CN110163612A - A kind of payment air control method and device - Google Patents
A kind of payment air control method and device Download PDFInfo
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- CN110163612A CN110163612A CN201910262731.6A CN201910262731A CN110163612A CN 110163612 A CN110163612 A CN 110163612A CN 201910262731 A CN201910262731 A CN 201910262731A CN 110163612 A CN110163612 A CN 110163612A
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
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- G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
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Abstract
Disclose a kind of payment air control method and device.A kind of payment air control method, this method comprises: obtaining the Transaction Information of target transaction；Obtain the Transaction Information of the n times historical trading of target transaction paying party；It determines several crucial beneficiaries, and for any crucial beneficiary: obtaining the Transaction Information of the beneficiary type and M historical trading of the key beneficiary；According to target transaction and the Transaction Information of n times historical trading, it determines beneficiary Change of types frequency, the means of payment switching frequency of N+1 transaction and the payment amount variation tendency of N+1 transaction of each crucial beneficiary, and the value-at-risk that target transaction is switched based on history is obtained according to weighted value；According to the Transaction Information of M historical trading, determines at least one historical trading relation information between target transaction paying party and each crucial beneficiary, each crucial beneficiary, determine the value-at-risk of each historical trading relation information；The total risk value of target transaction is calculated.
Description
Technical field
This specification embodiment is related to technical field of internet application more particularly to a kind of payment air control method and device.
Background technique
Traditional payment air control method, usually when paying party carries out delivery operation, for when under time payment scene
Paying party, beneficiary etc. detect abnormal behaviour and carry out air control according to data such as real-time, history.But with fraudulent mean
Development, during fraud, fraudster may reduce the abnormal number of single beneficiary by repeatedly switching the modes such as beneficiary
According to evade air control detection.
Based on the prior art, a kind of payment air control method that can be directed to beneficiary handoff scenario is needed.
Summary of the invention
In view of the above technical problems, this specification embodiment provides a kind of payment air control method and device, and technical solution is such as
Under:
A kind of payment air control method, this method comprises:
Obtain the Transaction Information of target transaction；
Obtain the Transaction Information of the n times historical trading of target transaction paying party；
It determines several crucial beneficiaries, and for any crucial beneficiary: obtaining the beneficiary type of the key beneficiary
And the Transaction Information of M historical trading；
Wherein, the Transaction Information includes: paying party, beneficiary, payment amount and the means of payment；The key beneficiary
Are as follows: the beneficiary of the beneficiary of the target transaction and the n times historical trading；N, M is the nature determined according to preset rules
Number；
According to the target transaction and the Transaction Information of the n times historical trading, the beneficiary of each crucial beneficiary is determined
The payment amount variation tendency of Change of types frequency, the means of payment switching frequency of N+1 transaction and N+1 transaction, and according to
The weighted value of beneficiary Change of types frequency, means of payment switching frequency and payment amount variation tendency obtains the target and hands over
Value-at-risk easily based on history switching；
According to the Transaction Information of the M historical trading, target transaction paying party and each crucial beneficiary are determined at least
A kind of at least one historical trading relation information between historical trading relation information, each crucial beneficiary, and according to default scoring
Rule determines the value-at-risk of each historical trading relation information；
The target transaction is calculated by obtained every value-at-risk based on preset payment air control rule
Total risk value.
A kind of payment wind-controlling device, the device include:
Information acquisition module, for obtaining the Transaction Information of target transaction；The n times history for obtaining target transaction paying party is handed over
Easy Transaction Information；It determines several crucial beneficiaries, and for any crucial beneficiary: obtaining the beneficiary of the key beneficiary
The Transaction Information of type and M historical trading；Wherein, the Transaction Information includes: paying party, beneficiary, payment amount and branch
The mode of paying；The key beneficiary are as follows: the beneficiary of the beneficiary of the target transaction and the n times historical trading；N, M is root
The natural number determined according to preset rules；
Risk of handover value computing module, for the Transaction Information according to the target transaction and the n times historical trading, really
Determine the beneficiary Change of types frequency of each crucial beneficiary, the means of payment switching frequency of N+1 transaction and N+1 transaction
Payment amount variation tendency, and according to beneficiary Change of types frequency, means of payment switching frequency and payment amount variation tendency
Weighted value, obtain the value-at-risk that the target transaction is switched based on history；
Relational risk value computing module determines that target transaction is paid the bill for the Transaction Information according to the M historical trading
At least one historical trading between at least one historical trading relation information of square and each key beneficiary, each crucial beneficiary closes
It is information, and determines the value-at-risk of each historical trading relation information according to default code of points；
Total risk value computing module, for passing through obtained every value-at-risk, meter based on preset payment air control rule
Calculation obtains the total risk value of the target transaction.
Technical solution provided by this specification embodiment, when carrying out risk control, not only with reference to current payment transaction
Real time data, also acquisition paying party the payment transaction of history several times data and history payment transaction correspond to beneficiary
Attribute data and historical data are spoofed to detect paying party and repeatedly switch the case where beneficiary is paid.
It should be understood that above general description and following detailed description be only it is exemplary and explanatory, not
This specification embodiment can be limited.
In addition, any embodiment in this specification embodiment does not need to reach above-mentioned whole effects.
Detailed description of the invention
In order to illustrate more clearly of this specification embodiment or technical solution in the prior art, below will to embodiment or
Attached drawing needed to be used in the description of the prior art is briefly described, it should be apparent that, the accompanying drawings in the following description is only
The some embodiments recorded in this specification embodiment for those of ordinary skill in the art can also be attached according to these
Figure obtains other attached drawings.
Fig. 1 is the flow diagram of the payment air control method of this specification embodiment；
Fig. 2 is a kind of structural schematic diagram of the payment wind-controlling device of this specification embodiment；
Fig. 3 is the structural schematic diagram of the total risk value computing module of this specification embodiment；
Fig. 4 is another structural schematic diagram of the payment wind-controlling device of this specification embodiment；
Fig. 5 is the structural schematic diagram for configuring a kind of equipment of this specification embodiment device.
Specific embodiment
In order to make those skilled in the art more fully understand the technical solution in this specification embodiment, below in conjunction with this
Attached drawing in specification embodiment is described in detail the technical solution in this specification embodiment, it is clear that described
Embodiment is only a part of the embodiment of this specification, instead of all the embodiments.The embodiment of base in this manual,
Those of ordinary skill in the art's every other embodiment obtained, all should belong to the range of protection.
For problem of the prior art, this specification embodiment provides a kind of payment air control method, shown in Figure 1, should
Method may comprise steps of:
S101 obtains the Transaction Information of target transaction；
S102 obtains the Transaction Information of the n times historical trading of target transaction paying party；
S103 determines several crucial beneficiaries, and for any crucial beneficiary: obtaining the beneficiary of the key beneficiary
The Transaction Information of type and M historical trading；
For ease of description, S101, S102 and S103 are combined and is illustrated.
In the payment air control scheme of this specification embodiment, firstly for the target transaction of pending air control, it is necessary first to
The Transaction Information of the transaction is obtained, the Transaction Information in this specification embodiment may include paying party, beneficiary, payment amount
And the means of payment, those skilled in the art can also obtain other more Transaction Informations, such as trade according to practical air control demand
Content, transaction location, channel of disbursement, etc., this specification embodiment does not limit this.
In addition, obtaining the Transaction Information of the n times historical trading of the paying party also directed to the paying party of target transaction.This theory
The purpose that the Transaction Information of the n times historical trading of the paying party is obtained in bright book embodiment is to determine that the paying party is recent
Whether occurred or therefore the doubtful historical trading occurred there are risk can preset the rule of the occurrence of determining N
Then, i.e., n times are the natural number determined according to preset rules.
For example, the historical trading total degree of the paying party can be determined first, and the total degree is determined as the N that palpus obtains
It is secondary；For another example, rule in can set must obtain historical trading period, as target transaction time point to 48 hours before one section
Time, so that it is determined that the historical trading times N in this 48 hours；For another example, it can set and obtain x (such as 5 times) historical trading, such as
In the case that the historical trading total degree y of the fruit paying party is greater than x, the value of N is x, and otherwise the value of N is y, the i.e. value of N
For the smaller value in the historical trading total degree of setting value and the paying party；Etc., those skilled in the art can be according to reality
Air control demand is paid, flexibly sets the rule of determining N, this specification embodiment does not limit this.
In addition, in order to more accurately determine whether the paying party occurred or the doubtful history occurred there are risk in the recent period
It trades, in this specification embodiment, the beneficiary of the beneficiary of target transaction and n times historical trading is also determined as crucial gathering
Side, it is to be understood that due to this N+1 time transaction beneficiary can be different beneficiaries, it is also possible to there are certain 2 times or
Transaction beneficiary several times is identical, therefore the quantity of crucial beneficiary is less than or equal to N+1.
For identified any crucial beneficiary, the beneficiary type and M historical trading of the key beneficiary are obtained
Transaction Information.
So-called beneficiary type in this specification embodiment, can refer to direct-connected or Jian Lian trade company, can refer to BD trade company or
Non- BD trade company or can Zhi Xianshang trade company or Xian Xia trade company, can with personal trade company or trade company, enterprise, etc., it is certainly, aforementioned
Example also can be merged into a certain type, such as personal non-BD trade company under direct-connected BD trade company, line on line, this specification is real
Example is applied not limit this.
Also, it is similar with N, the rule of the occurrence of determining M can also be preset, i.e., M times is according to preset rules
Determining natural number, specific rules those skilled in the art can flexibly set according to actual delivery air control demand, here not
It is repeated again.
S104 determines the receipts of each crucial beneficiary according to the target transaction and the Transaction Information of the n times historical trading
The payment amount variation tendency of money side's Change of types frequency, the means of payment switching frequency of N+1 transaction and N+1 transaction, and
According to the weighted value of beneficiary Change of types frequency, means of payment switching frequency and payment amount variation tendency, the mesh is obtained
The value-at-risk that mark transaction is switched based on history；
In fraud scene, the fraudster as beneficiary may induce paying party to evade payment air control detection
Switch paying party, is especially switched to different types of paying party, such as be switched to non-BD trade company etc. from BD trade company；Alternatively, cutting
The means of payment is changed, such as the means of payment is switched to the means of payment on line, is switched to knowledge from scanning entity two dimensional code payment under line
Other two-dimension code image payment etc.；In addition, the swindle amount of money of fraudster is also possible to gradually increase with swindle process.Therefore, this theory
In bright book embodiment, according to beneficiary Change of types frequency, means of payment switching frequency and payment amount variation tendency, calculate
The value-at-risk switched to target transaction based on history.
In a kind of specific embodiment of this specification embodiment, handed in the n times history for obtaining target transaction paying party
After easy Transaction Information, the risk of a preceding historical transaction record for the target transaction paying party can also be further obtained
Data, the risk data include payment air control result and/or beneficiary credit record；
Then according to the risk data of a preceding historical transaction record, to the value-at-risk based on history switching into
Row amendment.Unlimited fixed modified specific implementation in present embodiment, for example, can be payment failure in payment air control result
Or in the case where need to verifying, increase value-at-risk, and reduces value-at-risk under being to pay successful situation in result；For another example, Ke Yi
Beneficiary increases value-at-risk there are in the case where violated or complaint record；Etc..
S105 determines target transaction paying party and each crucial beneficiary according to the Transaction Information of the M historical trading
At least one historical trading relation information between at least one historical trading relation information, each crucial beneficiary, and according to default
Code of points determines the value-at-risk of each historical trading relation information；
Whether this specification embodiment does not limit the particular content of historical trading relation information, for example, can be to occur
Cross historical trading, historical trading number, the historical trading amount of money, the historical trading time, etc..Historical trading relation information can be anti-
Partial risks situation is mirrored, for example, if when repeatedly being traded and traded excessively before the paying party of target transaction and beneficiary
Between it is more regular, it may be considered that target transaction is lower a possibility that being fraudulent trading；For another example, if target transaction beneficiary with
There are more transaction for 1 beneficiary of historical trading, then combine the possibility cheated target transaction paying party in the presence of the two
Property；Etc..Therefore, in this specification embodiment, code of points is preset, and determine that each historical trading closes according to code of points
It is the value-at-risk of information.
In a kind of specific embodiment of this specification embodiment, paying party and gathering in target transaction can also be calculated
The value-at-risk of side.Specifically, the paying party of the target transaction can be obtained first after the Transaction Information for obtaining target transaction
With the account information of beneficiary, such as the Account Registration time, transaction total amount, average daily trading volume, data-integrity, credit record,
Etc., this specification embodiment is without limitation.
Then, default transaction code of points is obtained, and determines preset several scoring features in the rule, is commented according to transaction
Divider then, by the account information and Transaction Information, determines each scoring characteristic value of the target transaction, and calculate the mesh
The value-at-risk of paying party and beneficiary in mark transaction.
In a kind of specific embodiment of this specification embodiment, the beneficiary of target transaction can also be individually calculated
Value-at-risk, for new trade company and the lower trade company of liveness, it is understood that there may be higher transaction risk.Specifically, it can obtain first
The registration information of target transaction beneficiary is obtained, such as: Account Registration time point, Account Registration duration, account levels, and/or account
Family operating frequency counts the account maturity of target transaction beneficiary then according to registration information obtained；Also, it obtains
The Transaction Information of several times historical trading of the target transaction beneficiary in preset period is based on Transaction Information obtained, system
Count target transaction beneficiary account scale of operation, such as average daily trading volume, average daily buyer amount, transaction amount,；Then institute is determined
The default weight of account maturity Yu the account scale of operation is stated, and is managed and is advised according to the account maturity and account that are counted
Mould and identified weight, calculate the value-at-risk of the beneficiary of the target transaction.
S106 is calculated the target and is handed over based on preset payment air control rule by obtained every value-at-risk
Easy total risk value.
This specification embodiment does not limit the specific implementation side that total risk value is calculated based on preset payment air control rule
Formula, those skilled in the art can flexibly set according to actual needs.
In a kind of specific embodiment of this specification embodiment, payment air control model can be constructed in advance, is such as scored
Card mold type obtains the payment air control model that constructs in advance then when carrying out payment air control to target transaction, and by the switching
Value-at-risk and the relational risk value input the payment air control model, obtain the risk of the target transaction of model output
Value.
Below with reference to one, more specifically example, the payment air control method provided this specification are illustrated.
When direction beneficiary of paying the bill initiates a payment transaction, in order to calculate the value-at-risk of the risk trade, firstly, can
To obtain the Transaction Information of the payment transaction, if beneficiary, paying party, payment amount, the means of payment are (such as scanning entity code/figure
Piece identify two dimensional code payment, on line/line under payment, etc.).
Then it is directed to beneficiary, obtains account information, registration information, historical transaction record, the credit record of the beneficiary
(such as record, complaint record in violation of rules and regulations).
And it is directed to paying party, account information, the recent strokes historical transaction record of the paying party are obtained, and obtain this
A little historical transaction records correspond to the account information of beneficiary, credit record etc..
According to the data of above-mentioned acquisition, can determine first the paying party in the recent period when carrying out payment transaction, payment amount,
The switch instances of the means of payment, beneficiary type etc.；Secondly it can determine whether the corresponding paying party of last payment transaction is deposited
Whether fail in bad credit record, payment transaction or need to verify；The beneficiary of this payment transaction can be determined again
Maturity, scale of operation and with the presence or absence of bad credit record etc.；It can also finally determine the beneficiary in this transaction and pay
Money side, whether carried out before believable payment transaction, this transaction in beneficiary and historical trading in beneficiary whether
There are transaction (i.e. with the presence or absence of Joint Implementation fraud a possibility that).
Based on the above-mentioned information determined according to data, the pre- model for first passing through machine learning algorithm building can be used, it is right
The value-at-risk of this payment transaction is predicted.
As it can be seen that, when calculating the value-at-risk of payment transaction, not believing only with reference to the transaction of this transaction using above scheme
Breath, beneficiary and paying party account information etc. also refer to the historical transactional information of beneficiary and paying party, trade in historical trading
The information etc. of object, to prevent fraudster from keeping away by switching paying party account by comprehensively considering the multiple payment transaction in front and back
Exempt from air control detection.In addition, acquired historical data can be only short-term history data, thus data volume is small, and is calculating
In the case that resource is sufficient, the value-at-risk of payment transaction, the timeliness without will affect payment transaction can be calculated quickly.
Corresponding to above method embodiment, this specification embodiment also provides a kind of payment wind-controlling device, referring to fig. 2 institute
Show, the apparatus may include:
Information acquisition module 110, for obtaining the Transaction Information of target transaction；The n times for obtaining target transaction paying party are gone through
The Transaction Information of history transaction；It determines several crucial beneficiaries, and for any crucial beneficiary: obtaining the receipts of the key beneficiary
The Transaction Information of money side's type and M historical trading；Wherein, the Transaction Information may include: paying party, beneficiary, payment
The amount of money and the means of payment；The key beneficiary are as follows: the gathering of the beneficiary of the target transaction and the n times historical trading
Side；N, M is the natural number determined according to preset rules；
Risk of handover value computing module 120, for being believed according to the transaction of the target transaction and the n times historical trading
Breath determines the beneficiary Change of types frequency of each crucial beneficiary, the means of payment switching frequency of N+1 transaction and N+1 friendship
Easy payment amount variation tendency, and changed according to beneficiary Change of types frequency, means of payment switching frequency and payment amount
The weighted value of trend obtains the value-at-risk that the target transaction is switched based on history；
Relational risk value computing module 130 determines target transaction for the Transaction Information according to the M historical trading
At least one history between at least one historical trading relation information of paying party and each crucial beneficiary, each crucial beneficiary is handed over
Easy relation information, and determine according to default code of points the value-at-risk of each historical trading relation information；
Total risk value computing module 140, for passing through obtained every risk based on preset payment air control rule
Value, is calculated the total risk value of the target transaction.
In a kind of specific embodiment that this specification provides, shown in Figure 3, the total risk value computing module
140, may include:
Model obtaining unit 141, for obtaining the payment air control model constructed in advance；
Total risk value computing module 142, for the risk of handover value and the relational risk value to be inputted the payment
Air control model obtains the total risk value of the target transaction of model output.
In a kind of specific embodiment that this specification provides, the information acquisition module 110 is obtaining target transaction
Transaction Information after, can be also used for: obtaining the paying party of the target transaction and the account information of beneficiary；
Shown in Figure 4, described device can also include real-time value-at-risk computing module 150, specifically can be used for:
Default transaction code of points is obtained, and determines preset several scoring features in the rule；
Each scoring of the target transaction is determined by the account information and Transaction Information according to transaction code of points
Characteristic value, and calculate the value-at-risk of paying party and beneficiary in the target transaction.
In a kind of specific embodiment that this specification provides, the information acquisition module 110 is obtaining target transaction
It after the Transaction Information of the n times historical trading of paying party, can be also used for: obtaining a preceding history for the target transaction paying party
The risk data of transaction record, the risk data may include payment air control result and/or beneficiary credit record；
The risk of handover value computing module 120, can be also used for:
According to the risk data of a preceding historical transaction record, the value-at-risk based on history switching is repaired
Just.
It is shown in Figure 4 in a kind of specific embodiment that this specification provides, it can also include beneficiary value-at-risk
Computing module 160, specifically can be used for:
Obtain the registration information of target transaction beneficiary；The registration information may include: Account Registration time point, account
Registration time length, account levels, and/or account operation frequency；
According to registration information obtained, the account maturity of target transaction beneficiary is counted；
Obtain the Transaction Information of several times historical trading of the target transaction beneficiary in preset period；
Based on Transaction Information obtained, the account scale of operation of target transaction beneficiary is counted；
Determine the default weight of the account maturity Yu the account scale of operation, and mature according to the account counted
Degree and account scale of operation and identified weight, calculate the value-at-risk of the beneficiary of the target transaction.
It is understood that value-at-risk computing module 150 is with beneficiary value-at-risk computing module 160 as two kinds of function in real time
The independent module of energy can both be configured in a device simultaneously as shown in Figure 4, can also individually be configured in a device, therefore
Structure shown in Fig. 4 should not be construed as the restriction to this specification example scheme.
The function of modules and the realization process of effect are specifically detailed in the above method and correspond to step in above-mentioned apparatus
Realization process, details are not described herein.
This specification embodiment also provides a kind of computer equipment, includes at least memory, processor and is stored in
On reservoir and the computer program that can run on a processor, wherein processor realizes payment above-mentioned when executing described program
Air control method.This method includes at least:
A kind of payment air control method, this method comprises:
Obtain the Transaction Information of target transaction；
Obtain the Transaction Information of the n times historical trading of target transaction paying party；
It determines several crucial beneficiaries, and for any crucial beneficiary: obtaining the beneficiary type of the key beneficiary
And the Transaction Information of M historical trading；
Wherein, the Transaction Information includes: paying party, beneficiary, payment amount and the means of payment；The key beneficiary
Are as follows: the beneficiary of the beneficiary of the target transaction and the n times historical trading；N, M is the nature determined according to preset rules
Number；
According to the target transaction and the Transaction Information of the n times historical trading, the beneficiary of each crucial beneficiary is determined
The payment amount variation tendency of Change of types frequency, the means of payment switching frequency of N+1 transaction and N+1 transaction, and according to
The weighted value of beneficiary Change of types frequency, means of payment switching frequency and payment amount variation tendency obtains the target and hands over
Value-at-risk easily based on history switching；
According to the Transaction Information of the M historical trading, target transaction paying party and each crucial beneficiary are determined at least
A kind of at least one historical trading relation information between historical trading relation information, each crucial beneficiary, and according to default scoring
Rule determines the value-at-risk of each historical trading relation information；
The target transaction is calculated by obtained every value-at-risk based on preset payment air control rule
Total risk value.
Fig. 5 shows one kind provided by this specification embodiment and more specifically calculates device hardware structural schematic diagram,
The equipment may include: processor 1010, memory 1020, input/output interface 1030, communication interface 1040 and bus
1050.Wherein processor 1010, memory 1020, input/output interface 1030 and communication interface 1040 are real by bus 1050
The now communication connection inside equipment each other.
Processor 1010 can use general CPU (Central Processing Unit, central processing unit), micro- place
Reason device, application specific integrated circuit (Application Specific Integrated Circuit, ASIC) or one
Or the modes such as multiple integrated circuits are realized, for executing relative program, to realize technical side provided by this specification embodiment
Case.
Memory 1020 can use ROM (Read Only Memory, read-only memory), RAM (Random Access
Memory, random access memory), static storage device, the forms such as dynamic memory realize.Memory 1020 can store
Operating system and other applications are realizing technical solution provided by this specification embodiment by software or firmware
When, relevant program code is stored in memory 1020, and execution is called by processor 1010.
Input/output interface 1030 is for connecting input/output module, to realize information input and output.Input and output/
Module can be used as component Configuration (not shown) in a device, can also be external in equipment to provide corresponding function.Wherein
Input equipment may include keyboard, mouse, touch screen, microphone, various kinds of sensors etc., output equipment may include display,
Loudspeaker, vibrator, indicator light etc..
Communication interface 1040 is used for connection communication module (not shown), to realize the communication of this equipment and other equipment
Interaction.Wherein communication module can be realized by wired mode (such as USB, cable etc.) and be communicated, can also be wirelessly
(such as mobile network, WIFI, bluetooth etc.) realizes communication.
Bus 1050 include an access, equipment various components (such as processor 1010, memory 1020, input/it is defeated
Outgoing interface 1030 and communication interface 1040) between transmit information.
It should be noted that although above equipment illustrates only processor 1010, memory 1020, input/output interface
1030, communication interface 1040 and bus 1050, but in the specific implementation process, which can also include realizing normal fortune
Other assemblies necessary to row.In addition, it will be appreciated by those skilled in the art that, it can also be only comprising real in above equipment
Component necessary to existing this specification example scheme, without including all components shown in figure.
This specification embodiment also provides a kind of computer readable storage medium, is stored thereon with computer program, the journey
Payment air control method above-mentioned is realized when sequence is executed by processor.This method includes at least:
A kind of payment air control method, this method comprises:
Obtain the Transaction Information of target transaction；
Obtain the Transaction Information of the n times historical trading of target transaction paying party；
It determines several crucial beneficiaries, and for any crucial beneficiary: obtaining the beneficiary type of the key beneficiary
And the Transaction Information of M historical trading；
Wherein, the Transaction Information includes: paying party, beneficiary, payment amount and the means of payment；The key beneficiary
Are as follows: the beneficiary of the beneficiary of the target transaction and the n times historical trading；N, M is the nature determined according to preset rules
Number；
According to the target transaction and the Transaction Information of the n times historical trading, the beneficiary of each crucial beneficiary is determined
The payment amount variation tendency of Change of types frequency, the means of payment switching frequency of N+1 transaction and N+1 transaction, and according to
The weighted value of beneficiary Change of types frequency, means of payment switching frequency and payment amount variation tendency obtains the target and hands over
Value-at-risk easily based on history switching；
According to the Transaction Information of the M historical trading, target transaction paying party and each crucial beneficiary are determined at least
A kind of at least one historical trading relation information between historical trading relation information, each crucial beneficiary, and according to default scoring
Rule determines the value-at-risk of each historical trading relation information；
The target transaction is calculated by obtained every value-at-risk based on preset payment air control rule
Total risk value.
Computer-readable medium includes permanent and non-permanent, removable and non-removable media can be by any method
Or technology come realize information store.Information can be computer readable instructions, data structure, the module of program or other data.
The example of the storage medium of computer includes, but are not limited to phase change memory (PRAM), static random access memory (SRAM), moves
State random access memory (DRAM), other kinds of random access memory (RAM), read-only memory (ROM), electric erasable
Programmable read only memory (EEPROM), flash memory or other memory techniques, read-only disc read only memory (CD-ROM) (CD-ROM),
Digital versatile disc (DVD) or other optical storage, magnetic cassettes, tape magnetic disk storage or other magnetic storage devices
Or any other non-transmission medium, can be used for storage can be accessed by a computing device information.As defined in this article, it calculates
Machine readable medium does not include temporary computer readable media (transitory media), such as the data-signal and carrier wave of modulation.
As seen through the above description of the embodiments, those skilled in the art can be understood that this specification
Embodiment can be realized by means of software and necessary general hardware platform.Based on this understanding, this specification is implemented
Substantially the part that contributes to existing technology can be embodied in the form of software products the technical solution of example in other words,
The computer software product can store in storage medium, such as ROM/RAM, magnetic disk, CD, including some instructions are to make
It is each to obtain computer equipment (can be personal computer, server or the network equipment etc.) execution this specification embodiment
Method described in certain parts of a embodiment or embodiment.
System, device, module or the unit that above-described embodiment illustrates can specifically realize by computer chip or entity,
Or it is realized by the product with certain function.A kind of typically to realize that equipment is computer, the concrete form of computer can
To be personal computer, laptop computer, cellular phone, camera phone, smart phone, personal digital assistant, media play
In device, navigation equipment, E-mail receiver/send equipment, game console, tablet computer, wearable device or these equipment
The combination of any several equipment.
All the embodiments in this specification are described in a progressive manner, same and similar portion between each embodiment
Dividing may refer to each other, and each embodiment focuses on the differences from other embodiments.Especially for device reality
For applying example, since it is substantially similar to the method embodiment, so describing fairly simple, related place is referring to embodiment of the method
Part explanation.The apparatus embodiments described above are merely exemplary, wherein described be used as separate part description
Module may or may not be physically separated, can be each module when implementing this specification example scheme
Function realize in the same or multiple software and or hardware.Can also select according to the actual needs part therein or
Person's whole module achieves the purpose of the solution of this embodiment.Those of ordinary skill in the art are not the case where making the creative labor
Under, it can it understands and implements.
The above is only the specific embodiment of this specification embodiment, it is noted that for the general of the art
For logical technical staff, under the premise of not departing from this specification embodiment principle, several improvements and modifications can also be made, this
A little improvements and modifications also should be regarded as the protection scope of this specification embodiment.
Claims (11)
1. a kind of payment air control method, this method comprises:
Obtain the Transaction Information of target transaction；
Obtain the Transaction Information of the n times historical trading of target transaction paying party；
Determine several crucial beneficiaries, and for any crucial beneficiary: obtain the key beneficiary beneficiary type and M times
The Transaction Information of historical trading；
Wherein, the Transaction Information includes: paying party, beneficiary, payment amount and the means of payment；The key beneficiary are as follows:
The beneficiary of the beneficiary of the target transaction and the n times historical trading；N, M is the natural number determined according to preset rules；
According to the target transaction and the Transaction Information of the n times historical trading, the beneficiary type of each crucial beneficiary is determined
The payment amount variation tendency of change frequency, the means of payment switching frequency of N+1 transaction and N+1 transaction, and according to gathering
The weighted value of square Change of types frequency, means of payment switching frequency and payment amount variation tendency obtains the target transaction base
In the value-at-risk of history switching；
According to the Transaction Information of the M historical trading, at least one of target transaction paying party and each crucial beneficiary is determined
At least one historical trading relation information between historical trading relation information, each crucial beneficiary, and according to default code of points
Determine the value-at-risk of each historical trading relation information；
Total wind of the target transaction is calculated by obtained every value-at-risk based on preset payment air control rule
Danger value.
2. according to the method described in claim 1, described based on preset payment air control rule, by the risk of handover value and
Each relational risk value, is calculated the value-at-risk of the target transaction, comprising:
Obtain the payment air control model constructed in advance；
The risk of handover value and the relational risk value are inputted into the payment air control model, obtain the described of model output
The value-at-risk of target transaction.
3. according to the method described in claim 1, after the Transaction Information for obtaining target transaction, further includes:
Obtain the paying party of the target transaction and the account information of beneficiary；
Default transaction code of points is obtained, and determines preset several scoring features in the rule；
Each scoring feature of the target transaction is determined by the account information and Transaction Information according to transaction code of points
Value, and calculate the value-at-risk of paying party and beneficiary in the target transaction.
4. according to the method described in claim 1, obtain target transaction paying party n times historical trading Transaction Information after,
Further include:
The risk data of a preceding historical transaction record for the target transaction paying party is obtained, the risk data includes payment
Air control result and/or beneficiary credit record；
According to the risk data of a preceding historical transaction record, the value-at-risk based on history switching is modified.
5. according to the method described in claim 1, further include:
Obtain the registration information of target transaction beneficiary；When the registration information includes: Account Registration time point, Account Registration
Long, account levels, and/or account operation frequency；
According to registration information obtained, the account maturity of target transaction beneficiary is counted；
Obtain the Transaction Information of several times historical trading of the target transaction beneficiary in preset period；
Based on Transaction Information obtained, the account scale of operation of target transaction beneficiary is counted；
Determine the default weight of the account maturity Yu the account scale of operation, and according to the account maturity counted with
Account scale of operation and identified weight, calculate the value-at-risk of the beneficiary of the target transaction.
6. a kind of payment wind-controlling device, the device include:
Information acquisition module, for obtaining the Transaction Information of target transaction；Obtain the n times historical trading of target transaction paying party
Transaction Information；It determines several crucial beneficiaries, and for any crucial beneficiary: obtaining the beneficiary type of the key beneficiary
And the Transaction Information of M historical trading；Wherein, the Transaction Information includes: paying party, beneficiary, payment amount and payer
Formula；The key beneficiary are as follows: the beneficiary of the beneficiary of the target transaction and the n times historical trading；N, M is according to pre-
If the natural number that rule determines；
Risk of handover value computing module determines each for the Transaction Information according to the target transaction and the n times historical trading
The payment of the beneficiary Change of types frequency of crucial beneficiary, the means of payment switching frequency of N+1 transaction and N+1 transaction
Amount of money variation tendency, and adding according to beneficiary Change of types frequency, means of payment switching frequency and payment amount variation tendency
Weight obtains the value-at-risk that the target transaction is switched based on history；
Relational risk value computing module, for the Transaction Information according to the M historical trading, determine target transaction paying party with
At least one historical trading relationship letter between at least one historical trading relation information of each key beneficiary, each crucial beneficiary
It ceases, and determines the value-at-risk of each historical trading relation information according to default code of points；
Total risk value computing module, for being calculated based on preset payment air control rule by obtained every value-at-risk
To the total risk value of the target transaction.
7. the apparatus according to claim 1, the total risk value computing module, comprising:
Model obtaining unit, for obtaining the payment air control model constructed in advance；
Total risk value computing module, for the risk of handover value and the relational risk value to be inputted the payment air control mould
Type obtains the total risk value of the target transaction of model output.
8. the apparatus according to claim 1,
The information acquisition module is also used to after the Transaction Information for obtaining target transaction: obtaining the payment of the target transaction
The account information of side and beneficiary；
Described device further includes real-time value-at-risk computing module, is specifically used for:
Default transaction code of points is obtained, and determines preset several scoring features in the rule；
Each scoring feature of the target transaction is determined by the account information and Transaction Information according to transaction code of points
Value, and calculate the value-at-risk of paying party and beneficiary in the target transaction.
9. the apparatus according to claim 1, the information acquisition module is handed in the n times history for obtaining target transaction paying party
It after easy Transaction Information, is also used to: obtaining the risk data of a preceding historical transaction record for the target transaction paying party, institute
Stating risk data includes payment air control result and/or beneficiary credit record；
The risk of handover value computing module, is also used to:
According to the risk data of a preceding historical transaction record, the value-at-risk based on history switching is modified.
10. the apparatus according to claim 1 further includes beneficiary value-at-risk computing module, is specifically used for:
Obtain the registration information of target transaction beneficiary；When the registration information includes: Account Registration time point, Account Registration
Long, account levels, and/or account operation frequency；
According to registration information obtained, the account maturity of target transaction beneficiary is counted；
Obtain the Transaction Information of several times historical trading of the target transaction beneficiary in preset period；
Based on Transaction Information obtained, the account scale of operation of target transaction beneficiary is counted；
Determine the default weight of the account maturity Yu the account scale of operation, and according to the account maturity counted with
Account scale of operation and identified weight, calculate the value-at-risk of the beneficiary of the target transaction.
11. a kind of computer equipment including memory, processor and stores the meter that can be run on a memory and on a processor
Calculation machine program, wherein the processor realizes such as method described in any one of claim 1 to 5 when executing described program.
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