CN110264221A - A kind of full link safety business federal solution for service provider's industry - Google Patents
A kind of full link safety business federal solution for service provider's industry Download PDFInfo
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- CN110264221A CN110264221A CN201910403528.6A CN201910403528A CN110264221A CN 110264221 A CN110264221 A CN 110264221A CN 201910403528 A CN201910403528 A CN 201910403528A CN 110264221 A CN110264221 A CN 110264221A
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Abstract
This disclosure relates to a kind of full link safety business federal solution, comprising: risk layer is monitored for the various risks in the presence of each stage of trade company before and after entering platform；Operation layer provides good service to attract trade company to carry out comprehensive depth cooperation；The risk layer include access, in thing, subsequent three links: in access link, that seeks advice from the risk score for the trade company that library is assessed by risk list to audit the trade company enters request；The link in thing calculates the health point of the trade company by calling trade company's health sub-model, promotes request to the qualification of the trade company and audit；In subsequent link, risk identification is exported to each service provider to realize risk joint defence；The operation layer includes two links of Cooperation and after-sale service: in Cooperation link, carrying out the Cooperation between Trading parties；In after-sale service link, by Cooperation, a whole set of perfect after-sales service process is provided.
Description
Technical field
This disclosure relates to data risk security fields, more particularly to a kind of full link safety industry for service provider's industry
Business federal solution.
Background technique
With the development of internet, more and more real-life business start transition to network, for example, with
Large quantities of E-commerce transaction platforms flourish, the trend of Internet service traditional business substituted greatly.But in internet
Also many problems are faced in the development of business, wherein the problem of most important problem is how prevention financial risks.
Collecting on delivery from entity transaction, the traditional transaction way to collect on delivery is different, and e-commerce transaction usually requires that buyer
The account (or intermediate secured account of platform) of seller in first advance payment to e-commerce platform on line, then led to by seller
Crossing the modes such as express delivery postal service, to realize transaction, this is related to user, progress electronics branch in the middle by buyer is distributed under commodity line
The bank that pays, mechanism (such as third party clearing platform, these clearance machines that can voluntarily open up trade company again simultaneously with clearance qualification
Structure is commonly refereed to as " head service provider "), the trade company that sells goods, extend trade company service provider ISV (ISV: channel service provider,
Namely the agent of extension second level trade company, they do not have clearance qualification, but platform expands the main force of trade company) and electricity
Sub- business platform etc. is multi-party.How to guarantee that the safety of the treasury trade between each side is the key that the business development.Therefore, it needs
Wanting a kind of can control effectively to the security risk of service provider while but also provide the whole of business development demand for service provider
Body solution.
Summary of the invention
This disclosure relates to a kind of full link safety business federal solution for service provider's industry.This programme introduces peace
Entirely+combinations of services fist concept, only service provider does not provide the full link air control solution for meeting its business scenario, also real
Safety+business packing overall plan is showed.
According to the disclosure in a first aspect, providing a kind of method for entering request for auditing trade company, comprising: trade company is to clothes
Business quotient, which transmits into, stays request, and described enter requests to include the trade company's material submitted by trade company；Service provider, which receives, comes from the quotient
The described of family enters request and requests described enter into part to platform；The platform enables license identification OCR service with by institute
Trade company's material identification is stated into the data and archive of text formatting；The platform is relevant according to the data retrieval of the text formatting
Qualification verifies website to audit the qualification of the trade company；The platform seeks advice from library by risk list and assesses whether the trade company deposits
In risk；And the platform is to determine based on the risk of the qualification of the trade company through auditing and the evaluated trade company
Request is entered described in no approval；Wherein risk list consulting library provides a kind of from a variety of materials provided except the trade company
Except other approach come assess the trade company whether there is risk mechanism.
According to the second aspect of the disclosure, provide a kind of method for merchant hierarchies management, comprising: enter trade company to
Service provider submits qualification to promote application；Service provider applies for qualification promotion into part to platform；The platform calls trade company strong
Health sub-model is to calculate the health for entering trade company point；And if the health for entering trade company point is more than threshold value, institute
It states platform and ratifies the qualification promotion request to promote the qualification grade of the trade company；If the health for entering trade company point is not
More than threshold value, then the platform refuses the qualification promotion request and keeps the qualification grade of the trade company；Wherein, the trade company
Healthy sub-model is fabricated by following stages: sample collection stage and variable portray the stage, wherein the sample collection defines
Black/white sample is to embody good bad differentiation of the service provider for trade company, and the variable is portrayed and referred to from quotient collected
The various features that can portray transaction risk are extracted in the transaction data at family；Wherein, the trade company that enters is by such as first party
Method described in face is reviewed access.
According to the third aspect of the disclosure, provide a kind of for the full link safety business joint solution of service provider's industry offer
The certainly method of scheme, comprising: risk layer is provided, in the presence of each stage of trade company before and after entering platform
Various risks are monitored；Operation layer is provided, provides good service to attract trade company to carry out comprehensive depth cooperation；Its
In, the risk layer include access, in thing, subsequent three links: in access link, seek advice from what library was assessed by risk list
The risk score of the trade company enters request audit the trade company；The link in thing, by calling trade company's health point
Model is divided with the health for calculating the trade company, is promoted request to the qualification of the trade company and is audited；In subsequent link, by risk
Identification output is to each service provider to realize risk joint defence；Wherein the operation layer includes two rings of Cooperation and after-sale service
Section: in Cooperation link, carry out the Cooperation between Trading parties；It is mentioned in after-sale service link by Cooperation
For a whole set of perfect after-sales service process.
According to the fourth aspect of the disclosure, provide a kind of for auditing the platform for entering request of trade company, comprising: license
It identifies OCR module, trade company's material identification in request will be entered into the number of text formatting from trade company from service provider into part
According to and achieve, and the money of the trade company is audited according to the data retrieval of the text formatting relevant qualification verifying website
Matter；And risk list consultation module, assessing the trade company based on risk list consulting library whether there is risk；It is wherein described flat
Stylobate determines whether to ratify the trade company in the qualification of the trade company through auditing and the risk of the evaluated trade company
It is described to enter request.
According to the 5th of the disclosure the aspect, a kind of platform for merchant hierarchies management is provided, comprising: trade company's health point
Model enters the health point of trade company according to being promoted from the qualification for entering trade company from service provider into part described in request calculating；Such as
The health point that trade company is entered described in fruit is more than threshold value, then the platform ratifies the qualification promotion request to promote the trade company
Qualification grade；If the health for entering trade company point, not above threshold value, the platform refuses the qualification and promotes request simultaneously
Keep the qualification grade of the trade company；Wherein, trade company's health sub-model is fabricated by following stages: the sample collection stage
The stage is portrayed with variable, wherein the sample collection defines black/white sample to embody the service provider for the good bad of trade company
Differentiate, and the variable portrays the various spies for referring to and extracting from the transaction data of trade company collected and can portraying transaction risk
Sign；Wherein, the trade company that enters is being reviewed access by the platform as described in fourth aspect.
According to the 6th of the disclosure the aspect, provide a kind of for the full link safety business joint solution of service provider's industry offer
The certainly platform of scheme, comprising: risk layer, for various in the presence of each stage of trade company before and after entering platform
Risk is monitored；Operation layer provides good service to attract trade company to carry out comprehensive depth cooperation；Wherein, described
Risk layer include access, in thing, subsequent three links: in access link, the quotient that library is assessed is seeked advice from by risk list
The risk score at family enters request audit the trade company；The link in thing, by call trade company's health sub-model with
The health point for calculating the trade company promotes request to the qualification of the trade company and audits；It is in subsequent link, risk identification is defeated
Out to each service provider to realize risk joint defence；Wherein the operation layer includes two links of Cooperation and after-sale service: in industry
Business cooperation link, carries out the Cooperation between Trading parties；It is whole to provide one by Cooperation in after-sale service link
Cover perfect after-sales service process.
This general introduction is provided to introduce some concepts further described in detailed description below in simplified form.This
The key features or essential features for being not intended to mark claimed subject are summarized, are intended to be used to limit claimed
The range of theme.
Detailed description of the invention
It, will be by reference to being shown in attached drawing in order to describe to can get the mode of above and other advantages of the present invention and feature
Specific embodiments of the present invention be presented described briefly above of the invention be discussed in greater detail.It is appreciated that these attached drawings
Each exemplary embodiments of the invention are depicted only, and are therefore not considered limiting of its scope, it will be by using attached drawing
And the present invention is described and explained using supplementary features and details, in the accompanying drawings:
Fig. 1 is the schematic diagram according to the example Run-time scenario of one embodiment of the disclosure.
Fig. 2 shows a kind of full link safety industry for service provider's ISV industry according to one embodiment of the disclosure
The overall procedure of business federal solution.
Fig. 3 shows the flow chart seeked advice from according to the risk list of one embodiment of the disclosure.
Fig. 4 shows trade company's health sub-model according to one embodiment of the disclosure.
Specific embodiment
In order to keep the purposes, technical schemes and advantages of the disclosure more clear clear, below with reference to the specific implementation of the disclosure
The scheme of the disclosure is described in example and corresponding attached drawing.It should be understood that described each embodiment is only this
The embodiment of disclosed a part, and not all embodiments.Based on the presently disclosed embodiments, those of ordinary skill in the art exist
The protection scope that all other embodiment obtained under the premise of creative work belongs to the disclosure is not made.
Firstly, describing the schematic diagram of the example Run-time scenario according to one embodiment of the disclosure in Fig. 1.Institute
State in schematic diagram, one or more users 110 (such as user 110 (1), user 110 (2) ..., user 110 (N)) can lead to
It crosses various networks and accesses a platform 150 to choose the commodity of oneself needs from the trade company entered on it.And several trade companies
(such as trade company 130 (1), trade company 130 (2) ..., trade company 130 (M)) can also be entered by network in the platform 150.
In addition, the platform 150 is also connected by network with head service provider 140 and/or bank 160, institute in order to realize e-payment
Stating head service provider 140 independently can not only carry out exchange settlement also and have the ability for voluntarily expanding trade company.Such as some thirds
Square payment mechanism can not only carry out trade company's settlement of transactions, at the same directly trade company's material can also be requested into part to platform into
It stays.In order to enter in platform 150, trade company can be requested to enter by all means into part, such as trade company 130 (1) can be to
Audit request is entered in the proposition of service provider ISV 120, and trade company 130 (2) directly can enter audit request to the proposition of platform 150, and
Trade company 130 (M) can then propose to enter audit request to head service provider 140.And the scheme of the disclosure is mainly focused in quotient
When family 130 proposes to enter audit request to service provider ISV 120 or head service provider 140 (can be collectively referred to as " service provider ") and
After entering for merchant hierarchies management, risk prevention system and when service management, how for the service provider to provide a kind of needle
To the full link safety business federal solution of service provider's industry.In example Run-time scenario, the user 110 and/or quotient
Family 130 can be used various equipment and access the network, such as personal computer, server, plate, mobile phone, PDA, notebook
Or other any calculating equipment with network savvy.And the service provider ISV 120, the head service provider 140, platform
150 and bank 160 then can use server with stronger big processing capacity and greater security or server group come it is real
It is existing.And the network may include various types of wired and wireless networks, such as, but not limited to: internet, local area network,
WIFI, WLAN, cellular communications networks (GPRS, CDMA, 2G/3G/4G/5G cellular network), satellite communication network etc..
As described above, the main affiliate of platform 150 is between a kind of whole industry of tradition under the scene of business platform
Bank 160 and service provider (including head service provider 140 and service provider ISV 120).Wherein, bank 160 is mainly responsible for electronics branch
Service is paid, the trade company of self-operation is seldom, and therefore, platform 150 is mainly carried out by service provider ISV 120 and head service provider 140
Business development, that is, rely primarily on service provider ISV 120 and/or head service provider 140 attracts second level trade company to enter platform to expand
Market.But the second level trade company that service provider ISV120 and/or head service provider 140 introduce is usually very different, each trade company or more
Or all there are various problems less, the serious risk that may also take money " running away ", therefore, the access audit of trade company, which has, compares
Big security risk problem.The risk may include: wash sale risk, marketing cheating risk, fraud gambling risk, arbitrage
Risk etc..Although service provider is usually constructed with the air control mechanism and department (such as various U-shields or safe control and special of oneself
Air control department), but individual event air control product can not for from various channels trade company provide improve comprehensive Risk-warning machine
System.In other words, existing safety product of energizing can not provide comprehensive security solution for trade company.
It energizes the above problem existing for product to solve existing safety, present disclose provides one kind for service firm
The full link safety business federal solution of industry.The total solution of the disclosure includes service operation scheme Innovation and product
Ability innovation, finally provides the risk solution and the associated solution of business of full link for trade company.
Specifically, being solved as shown in Fig. 2, combining it illustrates a kind of full link safety business for service provider's industry
The overall procedure of scheme.
The main-process stream includes two levels, i.e. risk layer and operation layer.The function of risk layer exists primarily directed to trade company
The various risks in the presence of each stage before and after entering platform are monitored, and operation layer is then mainly responsible for offer
Good service attracts trade company firmly to carry out comprehensive depth cooperation.Its risk layer include access, in thing, subsequent three
A link, and operation layer includes two links of Cooperation and after-sale service.It should be noted that the level and link are only
It is for illustrative purposes to describe, rather than to carry out any restrictions.It can be according to actual needs to the level and ring
Section is increased and is deleted, these changes are all within the protection scope of the disclosure.2 these links are carried out with reference to the accompanying drawing
It is described in detail.
Access link
Firstly, description access link, audit of traditional service provider in second level trade company access scene are broadly divided into three
Step, i.e. aptitude checking, qualification turn text archive and risk verification.This audit of service provider currently mainly passes through artificial shape
Formula, i.e., manually examination trade company is submitted various paper, the true and false of electronic identification material and are manually converted the material photo
It is achieved at text.Sometimes, even if all material that trade company is submitted all is really, actually this can not prove the trade company not
There are security risk because trade company may active concealment to oneself unfavorable evidence, if these evidences are by artificially collecting
It then needs to make a great fuss.Therefore, not only cost is very high for this verification mode, but also inefficiency.
The disclosure replaces service provider to carry out access audit by using unified platform 150.Specifically, passing through platform
The services such as license identification OCR service, biology verification verification and risk (black) list counseling services that trade company enters are provided, are realized
Identity is verified in the audit of qualification basis, biology, text achieves and the whole of risk audit is packaged, and solves service provider manual examination and verification quotient
The problem with high costs of family qualification and the ability of powerful risk identification is provided simultaneously, health of the ultimate guarantee into part trade company
Degree.
Specifically, trade company provides material to service provider ISV 120 and/or head service provider 140 enter putting on record,
The material of trade company is entered audit to platform 150 into part by the service provider ISV 120 and/or head service provider 140.Platform
150 after receiving the material of trade company, can star access auditing flow.The access auditing flow can provide such as license
Identify that several modules such as verification, the consulting of risk list, shops's authenticity verification, channel management (clothes are verified in OCR service, biology
Business), each module has its corresponding function, as detailed below.
When receive from trade company into part material after, license identification OCR module is activated, if there is no on the spot for trade company
Electronic material is submitted, then trade company can be instructed to scan/shoot business license, body using the optical devices such as scanner, camera
The paper material of part card etc, then related license data are uploaded to license identification OCR module.Receiving what user was uploaded
After license data or the electronic material of submission, starts to execute OCR identification, these data are converted into phase from such as picture format
The text formatting answered.Then, related qualification verifying website (such as industrial and commercial bureau is retrieved according to the certificate information of the text formatting
Merchant information database, authentication system of public security department etc.) it is whether true to verify the certificate information.If in correlation
Qualification website finds matched relevant information, then license is audited successfully, and trade company can carry out next step audit.And if lost
It loses, then can return to audit failed message to trade company, it is ordered to check or supplement more materials.
Biological validating module can also be started in follow-up checks to verify and propose whether the trade company for entering application is me.
The biology validating module may include camera or fingerprint identification module on such as mobile phone.It proposes to enter application to verify
Whether trade company is me, can be (such as intelligent by starting equipment used in trade company automatically when trade company submits and enters application
Mobile phone, plate, notebook etc.) camera, and indicate trade company according to prompt show before camera various specified movements (such as
Blink, shake the head, nod, open one's mouth etc.), the data of the acquisition are transferred to again later, the professional net of recognition of face service is provided
It stands to complete the audit of the identity reality of trade company.Alternatively, can be when entering application submission, it is desirable that the trade company touches such as hand
Fingerprint identification module on machine or plate verifies its identity.It is verified not necessarily it will be understood that the biology is verified,
Platform can choose whether to open the biology verification function according to actual scene.
The license identification OCR service, biology are verified correction verification module etc. and can be realized using existing mature technology.
Such as many certificate OCR identification SDK development kits have been provided for user in the software journey oneself developed in various software developers
It is embedded in license in sequence, application, APP, website etc. and identifies OCR function.Equally, biology is verified function and has also for example been developed with SDK
The form of packet is widely used in the application of the various industries such as bank, payment, safety check.
After completing above-mentioned audit, risk assessment is carried out to the trade company using risk list consultation module.Risk name
Single consultation module provides a kind of other approach from addition to a variety of materials that trade company provides whether there is to assess the trade company
The mechanism of risk, to prevent a possibility that trade company conceals the negative information of oneself.The risk list consultation module is commented
Estimating process can carry out with reference to process shown in Fig. 3.
In Fig. 3, " blacklist (or being " black race's ") " library is constructed first, the blacklist library includes in settled
Portion's blacklist and external source blacklist.Blacklist may include risk classifications and trade company's two parts content.Risk classifications can
To include the classification such as porns, gambling and drugs, fraud, arbitrage, cheating, authenticity, money laundering and other transaction risks.The Internal Shunning List
Establish the type of merchandise, sales volume, price, historical trading behavior, the funds flow, logistics number that can be sold with reference to existing trade company
According to the various information relevant to the trade company that the platform interiors such as, consumer feedback are held, for example, when some trade company is complete in a short time
Corresponding logistics information is but not present at a large amount of trading activities, and (this trading activity is likely to the void carried out for brush credit
Structure transaction) when, can will " cheating " of the Merchant Category to blacklist classification in.And external source blacklist then can be by fixed
Phase retrieves " blacklist " of each related web site, such as industrial and commercial abnormal register, the illegal record of public security, law court are broken one's promise list, legal person
Record, the grey black of breaking one's promise produce report etc., to construct.Wherein, grey black production refers to telecommunication fraud, fishing website, trojan horse, hacker
The behavior for carrying out illegal activity using network such as extort.Wherein, " black production " refers to the network for directly offending state's laws
Crime, " ash produces " is then migration at law edge, often provides the dispute behavior of auxiliary for " black production ".The Internal Shunning List with
And external source blacklist is unrelated with the various testimonial materials that trade company oneself submits, it is unaffected.The data of these lists are come
Source is relatively objective, true and be difficult to be tampered.Therefore, the assessment for comparing objective and fair can be made to the risk of trade company, significantly
Improve the accuracy of audit.
Then, it is calculated by real-time topology and realizes that list association is expanded.The real-time name single topology refers to have existed
" black trade company " in blacklist library medium information (medium information refers to identity information of the trade company in platform system, such as
Business license, identity card, cell-phone number, bank card, operation address, facility information etc.) on the basis of, it expands out and is more associated with it
Potential black trade company.For example, preserving the various identity informations of trade company, such as business license, legal person, operation in blacklist library
The information such as address, gathering card number, are based on the identity information, and system can be retrieved other comprising the identification information from platform
Trade company using as potential black trade company.Such as the same business license in blacklist is possible to simultaneously in platform system
The trade company of multiple and different titles is had registered, then when a trade company with the business license is added into blacklist, so that it may
Other trade companies in platform system with identical business license are identified together using as may by real time expanding
It is added into the potential black trade company of blacklist.Also, after this if the business license has registered new trade company again,
The new merchant identification can also be just at the first time potential black trade company by real-time expand.It can be with structure by the expansion
Build out potential black trade company's list.Equally, it can also be expanded out according to other medium informations (such as operation address) many latent
Black trade company to expand the blacklist library.
Furthermore it is possible to which there are a kind of situations, that is, it is directed to the black trade company, in platform system and there is no any relevant
At this moment seeking scope can be extended to user from trade company by the medium information of trade company, such as search and registered with identical cell-phone number
User, and the medium information of the user is obtained from user's system to expand more potential black trade companies.For example, for blacklist
The black trade company of some being newly added in library, when carrying out trade company's expansion, there is no found in current platform with its business ground for system
Other trade companies of the information such as location, cell-phone number, registered address, shroff account number registration, but have found the use registered with the cell-phone number
Family account.In this way, by being retrieved to the information in the user account, it is possible to discovery more it is associated with the user its
Its medium information, such as receiving bank's card number, address etc..These medium informations can be used in platform retrieve again latent again
Black trade company, such as using information such as receiving bank's card number, addresses in user account many tools may be found out from platform
There are other trade companies of identical receiving bank's card number or address, other trade companies are likely to still be controlled by same black trade company.
In this way, by above-mentioned various expansion modes, although the black trade company may have registered on platform for various purposes
Multiple " vest " trade companies, but by the topology extension, after determining that the trade company is " black trade company ", these " vest " trade companies all can
It is come out and be added in blacklist library by real-time searching.
It should be understood that although may be expanded out according to the medium information of some black trade company in blacklist more latent
In black trade company.Such as many identical business licenses may be expanded out in platform system according to the business license number of black trade company
Other trade companies of registration.But might not just there be serious problems in the potential black trade company, and that much expands out is potential black
Minor error several times may only be violated in the transaction record of trade company, it should give them and continue to enter the chance of transaction.Therefore, exist
By that can be respectively the potential black trade company by all kinds of model scores after expanding identify multiple potential black trade companies in real time
Marking, and determined whether the potential black trade company being really entered into blacklist according to the overall score of the potential black trade company, in turn
The risk list consulting library for filtering out high precision, does the last Risk Screening of access to be supplied to service provider.The model is root
Constructed according to the risk classifications in blacklist, it can in blacklist such as porns, gambling and drugs, fraud, arbitrage, practise fraud, wash
The classification such as money construct model.Specifically, can be precipitated according to the data of several years or even many decades in platform system, to every kind
Risk classifications construct individual model and score.Such as fraud, gambling, arbitrage etc., every kind of risk has individual model.
Each model can have a different weights, such as porns, gambling and drugs, fraud, money laundering be due to touching law, and the model for being related to them can be with
Weight with higher, and arbitrage, brush singly merely relate to abnormal trading activity, therefore, their model can have lower
Weight.For a potential black trade company, can be given a mark respectively to it with individual risk model.It can according to these scorings
It is assessed in terms of with each risk to trade company, such as the running of the cash flow of trade company is assessed, to the relational network of trade company
(relationship between trade company) assessment (such as is engaged in porns, gambling and drugs, fraud, arbitrage, cheating, money laundering to the assessment of the risk class of trade company
A possibility that) etc..Then, the scoring of each model is weighted and is summed to calculate the model overall score of the trade company to sentence
Whether this trade company of breaking enters blacklist.
Then, according to the potential black trade company it is weighted after overall score determine whether the trade company being added to blacklist
In.By the way that the scoring threshold value is adjusted, only those potential black trade companies with high risk can be just introduced directly into
Into blacklist.And the potential black trade company for being not added to blacklist, it can in addition create a Watch list.It is described
The scoring of each model can regularly update (such as updating daily).It upon each update can be potential to each of Watch list
Black trade company, which re-starts, to give a mark and judges whether the trade company will be logged blacklist again.By regularly updating scoring to latent
It is further filtered in black trade company, the risk list consulting library of high precision can be generated.
After getting out risk list consulting library, so that it may start access audit service.Firstly, trade company sends to service provider
Request is entered, described enter requests to include the trade company's material submitted by trade company.It is asked when service provider receives entering from trade company
After asking, this can be entered and be requested into part to (namely being forwarded to) platform system.Platform system can enable license identification first
OCR is serviced with the data and archive by trade company's material identification at text formatting.Then, platform is according to the text formatting
The relevant qualification of data retrieval verifies website to audit the qualification of the trade company.If desired, platform can also enable biological core
Real verification service is exactly institute in trade company's material with confirm that submission enters application to require trade company's progress real-time identity authentication
The personnel being related to.Then, trade company's material can be inputted risk list consulting library to assess whether the trade company deposits by platform system
In risk.Finally, platform system can the qualification (and/or check results of recognition of face) based on the trade company through auditing with
And the risk score of the evaluated trade company come determine whether approval described in enter request.If it is described enter request not by
Approval, then platform system can (such as via service provider) to trade company return to a audit report to illustrate present in the trade company
It does not meet and enters the problem of requiring, and provide corresponding suggestion.
These are examined for above license identification OCR service and risk list consulting (or can also include that biology verifies verification)
Core module is basic auditing module when access link audit trade company enters qualification.By providing these modules, in audit trade company
When entering qualification, trade company only needs to provide such as business license, identity card, bank's card number, cell-phone number, biology and (such as face, refers to
Line) one of information etc. or multiple material, and whether true for service provider if can not only audit material provided by trade company, but also
Can from the risk list of high precision seek advice from library in automatically obtain the trade company risk assessment as a result, determine whether approval should
Trade company enters request.Entirely any manpower intervention that review process is all not necessarily to service provider is entered therefore to greatly improve careful
The efficiency and accuracy of core, reduce possible transaction risk.
Certainly, in above-mentioned access link, in addition to the license identification OCR service, biology verify verification and risk
Except the service such as (black) list counseling services, some other services can also be provided as needed, such as channel management, shops are true
Reality verification etc..Platform can select more or fewer services to enter to audit trade company to ask according to the actual demand of oneself
It asks.
Such as platform is taken out when audit businessman enters qualification, it is possible to it is required that addition shops's authenticity verification service, with
The businessman is audited with the presence or absence of true shops, rather than " family workshop ".Shops's authenticity verification service can pass through
It is required that trade company uploads the modes such as full face, the industrial and commercial registration address for inquiring shops of shops address to realize.
It should be understood that other than user actively clicks each auditing module one by one to carry out related audit, it can also
To provide the design wizard of a kind of " foolproof ", user only needs to provide relevant material in each step according to the prompt of guide
Material, can realize audit, without clicking each module one by one manually automatically.This is more conducive to fast be quickly accomplished careful
Core.
It is to be understood that the disclosure is not limited to the above module (service).According to trade company's demand and practical industry
Business scene, constantly can be expanded and be optimized to the service, for example, can add again if there is better Knowledge Verification Model iteration
Enter to mix.
Finally, after the aptitude checking of trade company passes through and its risk score is met the requirements, so that it may be entered for the trade company
Access license is issued, access link terminates.Therefore, in access link, identify that OCR deposits text automatic conversion by license
Shelves demonstrate the true identity of trade company using biology verification, and are packaged out high precision by the consulting of risk list again
Risk list seeks advice from library, and then realizes authenticity verification into part data and the risk assessment of trade company.The access of the disclosure
Link veritably realizes the manual examination and verification from three single-point steps (aptitude checking, qualification turn text archive and risk verification)
The intelligent checks for being converted to integrated zero manpower intervention, provide the ability of powerful risk identification.
Link in thing
After trade company completes to enter, the operation flow of service provider advances to link in thing, and main business scene can be with
Include: second level trade company day manage the amount upper limit propose volume application, second level trade company day revenue amount withdraw deposit amount withdraw deposit application with
And the loan application etc. of second level trade company credit class.In some embodiments, these applications can be with the qualification (credit) of trade company etc.
Grade is mutually linked up with, i.e., when trade company is when reaching certain terms of trade (such as trading volume, turnover, favorable comment degree etc.), can propose
The application of the qualification grade of oneself is turned up to obtain bigger day and manage amount, amount of withdrawing deposit, line of credit etc..These scenes can
To be collectively referred to as merchant hierarchies management service.
In other words, in thing link be primarily related to second level trade company by enter audit after qualification (credit) mention
The various scenes of liter/downward.It is promoted in review process in the qualification of existing service provider ISV, and consults trade company by artificial
Various data in Recent Activity record on platform are (for example, transaction amount, stroke count, exchange hour, the user of purchase, use
Family feedback data etc.) and artificial judgment described in transaction with the presence or absence of abnormal behaviour, whether be true sale, with the presence or absence of washing
After the problems such as money, it can just be made whether to be promoted the qualification grade of the trade company to allow it to carry out a greater amount of transaction.Moreover,
(for example, many customers complain the concentration of some businessman, slow situations such as not delivering after businessman's gathering), platform under some cases
System may start the qualification decline review process of trade company automatically.Qualification decline review process is also required to manually hand over to audit
The easily various abnormal datas in record and trading activity, can just make the qualification grade for for example lowering the trade company to reduce its transaction
Amount, or even directly seal and stop the trade company.Therefore, it is also a kind of complicated, time-consuming processing that traditional qualification, which promotes/lower review process,
Process.
In order to solve the problems in qualification promotion/decline, the scheme of the disclosure provides a Life cycle (i.e. from quotient
Family is entered platform and is started until the trade company exits platform) trade company's health sub-model.Utilize trade company's health sub-model, clothes
Being engaged in quotient can be simply according to the scoring of the current health of the trade company to determine whether promotion/downward trade company qualification grade.
The building of trade company's health sub-model mainly includes two stages:
1, sample collection: the building of trade company's health sub-model is firstly the need of acquisition trade company's sample to distinguish " good " and " bad "
Trade company.For example, head service provider can collect nearly half a year into the second level trade company of part, as overall sample；Black (i.e. " bad ") sample
Originally it is defined as having transaction into part 30 days, and having the scoring of trade company's value models after 30 days is low segmentation, white (i.e. " good ") sample
Originally it is defined as having transaction into part 30 days, and having the scoring of trade company's value models after 30 days is high sublevel.Existing trade company's value
Model refers to the mark model for trade company's entirety commercial value in existing platform system, from the business datum point of platform
Team is analysed, the trading situation based on trade company will continue the marking that there is transaction potential progress to trade company's future.For example, in Alipay
Existing trade company's value models just have been provided in platform.Meanwhile in the solution of the disclosure, in order to ensure " good " and
The judgment accuracy of " bad " trade company can merge trade company's sample from multiple service providers to define by the way of migration models
Black/white sample, to embody good bad differentiation of the service provider for second level trade company.Certainly, above-mentioned example is merely for the sake of explanation,
Sample collection, such as a week or three months etc. can be carried out based on longer or shorter exchange hour.
2, variable is portrayed: after completing sample collection work, needing to extract from the transaction data of trade company collected
The various features of transaction risk, also referred to as Characterizations can be portrayed.For example, transaction is with the presence or absence of aggregation, loco
It is no to have discreteness, exchange hour whether in morning etc..These features are likely to imply that the transaction has very big risk,
Such as it is related to porns, gambling and drugs, money laundering etc..
It is described in further detail the building of trade company's health sub-model with reference to the accompanying drawing.It is shown in FIG. 4 according to this
Trade company's health sub-model of disclosed one embodiment.Specifically, as indicated, trade company's health is divided on model level
Model is segmented into trade company and enters two parts of model in model and trade company's thing.
Wherein, after trade company is allowed to enter platform system, model is entered by a trade company to make for the trade company
One initial value point judgement (i.e. initial value scoring).Since trade company just enters platform, there is not yet too many transaction row
For and record, therefore, entered in model in trade company, the judgement dimension of the health of trade company point is concentrated mainly on the intrinsic attribute of trade company
(such as industry, registration date, address, registered capital etc. into part information) without regard to the dimension of transaction class, or merely relates to
The dimension of a small amount of transaction class.So the trade company enters model, mainly the phase is constructed simultaneously at the beginning of new trade company enters after platform
It uses, once trade company has accumulated which enough Transaction Informations, can continue to construct model in trade company's thing, trade company hereafter is strong
The coordination that health point can be entered model in model and trade company's thing by trade company is merged to calculate.
When building trade company enters model part, after completing the sample collection stage, can be applied by integrated model,
Clique excavates and FTG variable system is built to realize that the variable for entering model to the trade company is portrayed the stage, specifically:
1) integrated model application: according to second level trade company into part information, such as name of firm, ID card information, business license
Information, phone number etc. are associated with storage account and trade company to platform system.Utilize existing trade company and account model
System, gets magnanimity risk associated therewith and portrays variable.That is, according to inventory information relevant in platform as new quotient
One Consideration of the health at family point.This part provides variable was portrayed in the stage about 50% and portrays variable.
2) clique excavates: according to second level trade company into part information, it is associated with the storage account to platform system, then,
By excavating relational network, for example, association it is counter look into, the means such as connected graph, community discovery, to realize clique's Characterizations,
Second level trade company is identified with the presence or absence of risk clique speciality.Relational network refers to a kind of data structure based on figure, by
Node and Bian Zucheng.Each node on behalf individual (such as trade company), each edge are the relationship between individual and individual.Relationship
Network links together different individuals according to its relationship, to provide the ability from the angle analysis problem of " relationship ".
This is more advantageous to identifies abnormal clique's fraud from normal behaviour.This part provides about 10% and portrays change
Amount.
3) FTG variable system: for certain second level trade companies few into part information, then it can pass through FTG variable (or history
Experience group variable) it is portrayed.The variables collection that second level trade company dimension is generated using deep learning Series Modeling, then by two
The set variable of grade trade company dimension is summarized (clustered) again, is summarized to the classified variable of 3 D stereo, the variable after summarizing
Set has refined the behavioural information of second level trade company, and each second level trade company can be fitted into one of square in figure；To right
In newly into for the second level trade company for only depositing a small amount of information in part and platform system, as long as its information once occurs in platform system
It crosses, corresponding fitting square can be found then this square is portrayed and represent portraying for this second level trade company.This part mentions
40% has been supplied to portray variable.
It is to be understood that each variable specific specific gravity shared when variable is portrayed can according to need and be adjusted
It is whole.For example, if it find that trade company contains apparent " clique " feature, such as certain fraud group into the name of firm in part information
The trade company of partner all contains such as " prosperity " two word, and the title of the trade company also contains " prosperity " just, then can be by clique
It excavates and is increased to such as 30% portraying the accounting in variable.For another example, have in plateform system and largely to be deposited with the trade company
The associated information of account and trade company itself is measured, so that these information provide enough historical datas for reference, then integrates mould
Type, which is applied, can be raised to such as 70% portraying the accounting in variable.
After completing variable based on integrated model application, clique's excavation and FTG variable system and portraying, trade company enters mould
Type is fabricated completion.
As described above, can start to construct after trade company moves into platform for a period of time and has accumulated enough transaction data
Model in trade company's thing.Due to having accumulated which enough transaction data in model in building trade company's thing, trade company's thing
The building of middle model is based primarily upon transaction class data.With continued reference to Fig. 4, as an example, model can be with identity-based in trade company's thing
Speciality, trade company are managed history, trade company's management stability, service commodity quality, five part of user's fund quality progress variable and are portrayed.
Specifically, the variable of model is portrayed the stage in trade company's thing, mainly constructs model according to the feature of the following aspects:
1), identity speciality: the qualification including second level trade company, the industrial and commercial data-integrity of submission, trade company black and white label (i.e. quotient
Whether family once appeared in history blacklist) etc..These identity datas reflect the identity qualification of trade company, they are portraying variable
In accounting can be and account for about 20%.
2), trade company manage history: the history business circumstance in the life cycle of trade company, including monthly financial summary,
Sales data, inventory data, profit level etc..These history management datas reflect the history management state of trade company.These numbers
Account for about 20% according to portraying the accounting in variable and can be.
3), trade company's management stability: in the life cycle of trade company, magnitude of daily trading, duration of daily trading, single friendship
Easy amount of money etc..These data reflect the stability of the transaction of trade company, transaction it is whether normal (for example whether be related to money laundering this
The trading volume of sample big ups and downs).These data account for about 10% portraying the accounting in variable and can be.
4), service commodity quality: the commodity evaluation of service commodity, the social comment of dependent merchandise and the complaint of commodity are gone through
History etc..These data reflect the authenticity of the commodity of trade company's sale, if there are violated commodity (such as drugs, gambling in violation of rules and regulations
Tool, controlled knife etc.).Therefore, the data account for about 20% portraying the accounting in variable and can be.
5), user's fund quality: and there are the fund state of the user terminal of transaction, the own health degree of user in second level trade company
Deng.These data reflect the authenticity of the user to trade with trade company, for example whether a possibility that there are wash sales.The number
Account for about 20% according to portraying the accounting in variable and can be.
It is to be understood that each variable is when variable is portrayed as trade company enters described in model
Shared specific specific gravity, which can according to need, to be adjusted.For example, if it find that the transaction stability presence of trade company is quite obvious
Big ups and downs, then illustrate that a possibility that trade company participates in the unlawful activities such as money laundering is increased, therefore, trade company at this moment manages steady
The accounting of qualitative data can be raised to 70%.
In addition, it is necessary to understand, this five parts are merely possible to demonstrative example and are illustrated, are not intended to quotient
The variable of model, which is portrayed, in the thing of family is confined to this five parts.In terms of other considerations, such as trade company's after-sale service quality, trade company's object
Stream tracking, trade company's fund stability etc. can also be used as the reference factor that variable is portrayed.Those skilled in the art can root
According to actual needs, selection is suitably partially portrayed to carry out variable, and then constructs model in the trade company's thing closed and needed.
As shown in figure 4, entering in model part and trade company's thing after model part having constructed trade company, strategy can be passed through
Layer combines this two parts.Provided in strategic layer such as expertise decision-making mechanism and policy recommendation mechanism this two
Kind mechanism is divided to calculate the health of trade company.
Expertise decision-making mechanism refers in particular to the manually judgement experience for risk.Specifically, in expertise decision machine
In system, on the basis of trade company's model health point, the judgement of expertise can be also added, for example, the health score assigning is appreciated that
Are as follows: S (final health score value)=X (model health point)+Y (expertise 1)+Z (expertise 2).Expertise 1 and 2 is usual
For manual examination and verification precipitating experience, for example, manual examination and verification are found that when the transaction record in month before combing: when client refund
In the case that record is no more than 10 times, the high-risk possibility of trade company is 95%；And when refund number is greater than ten times, high-risk can
It can be only 5%.So here when expertise 1 can be to refund record≤10 times, Y value is that (such as -10 points, that is, detain negative value
It is point high risk sexual to embody its to subtract its health), and when expertise 2 can be to refund record > 10 times, Z value be positive value (such as+
10 points, that is, increase its health point to embody its safety).The expertise can according to need with actual conditions be arranged with
Trade company's model health sub-model is adjusted flexibly in realization.
Another scheme for calculating the health point of trade company is policy recommendation mechanism, and the policy recommendation refers in particular to push away by algorithm
The form recommended can realize that feature is recommended to different clients, then implementation strategy is recommended according to different samples.Policy recommendation
The transfer learning technology in machine learning field is utilized in mechanism, i.e., using knowledge similar with aiming field in source domain, by source domain
In in useful knowledge migration to aiming field, so that it relaxes two bases in conventional machines study to complete transfer learning
This hypothesis, it is therefore an objective to migrate existing knowledge solve in target domain only to have on a small quantity exemplar data even without
Habit problem.It can make full use of in source domain trained model knowledge based on this recommendation mechanisms of transfer learning to apply
In aiming field, consumed resource can be greatly reduced.However, the use of the policy recommendation mechanism is not necessary item
Part, only when trade company provides the sample with sample black and white label (i.e. whether trade company once appeared in history blacklist),
Trade company's health sub-model could realize that automatic Iterative (realize, artificial dry without manually adjusting by whole codeizations by transfer learning
In advance, it when there is sample input, just will do it).At this point, trade company's health sub-model score value, is exactly the score value after iteration.
Calculating separately out trade company and entering trade company's health point of both models of model in model and trade company's thing after, utilize
Convergence strategy divides the Weight Algorithm in calculating in (total) health of trade company's health sub-model to coordinate the health point of both models.
Specifically, a point group can be carried out to trade company into the part time, into the information such as part grade and interlock account according to trade company first.
Because the trade company in same a group can have identical Model Fusion strategy, divide group's mechanism more efficiently right
Numerous trade companies are managed.Then, corresponding a variety of convergence strategies are formulated for each group, for example, can specify that trade company into
Convergence strategy 1 is used when the part time is in 7 days, provides that trade company enters Model Weight and is in the healthy timesharing for calculating trade company
0.9, Model Weight is 0.1 in trade company's thing.And convergence strategy 2 is used when trade company is in 15 days into the part time, regulation exists
The healthy timesharing of trade company is calculated, it is 0.8 that trade company, which enters Model Weight, Model Weight is 0.2 in trade company's thing, and when trade company is into part
Convergence strategy 3 is used when time is in 30 days, is provided in the healthy timesharing for calculating trade company, it is 0.5 that trade company, which enters Model Weight,
Model Weight/threshold value is 0.5 in trade company's thing ... ... and so on.The time of trade company into part is longer, and model is calculating in trade company's thing
The weight of the healthy timesharing of trade company just becomes heavier.
In a preferred embodiment, after the time of trade company into part reaching prescribed time-limit (such as half a year), for letter
Change the calculating of the health point of trade company, the weight that trade company can be entered to model is set as 0, namely model in trade company's thing is only used only
To calculate the health point of trade company.Trade company enters the length using the time of model and its shared weight in health point and can take
The certainly size of the length and/or trading volume of the exchange hour in trade company on platform.Such as there is larger transaction for long-time
Trade company's health point can just be calculated for the trade company of amount using model in trade company's thing completely after half a year.And long-time trading volume
Lesser trade company may then need to wait 1 year or the longer time to accumulate enough transaction data after, quotient could be used completely
Model replaces trade company to enter model to provide trade company's health point in the thing of family.
After completing trade company's health sub-model according to Fig. 4 building, so that it may whole at Shi Zhong link provider family
Health degree and the counseling services namely merchant hierarchies management service for being worth degree.For example, when enter trade company to service ISV or
Head service provider actively proposes that the request for promoting qualification manages amount, amount of withdrawing deposit, line of credit it is expected to obtain bigger day
Whens equal, the request can be submitted to platform system by service provider, and the platform system calls that (or trade company is distributed with the trade company
Group) associated trade company's health sub-model and the health point of the trade company is calculated using trade company's health sub-model.If should
The health of trade company point is greater than the threshold value of applied qualification grade, then the qualification for ratifying the trade company promotes request, conversely, then refusing
The exhausted request simultaneously can return to a trade company's health simultaneously and divide assessment report to trade company, so that the trade company can understand oneself
Where out of joint business activities are on earth, can be combined with there are the problem of, provide corresponding suggestion.The threshold value can basis
The actual conditions of platform carry out dynamic adjustment, for example, the threshold value can be arranged relatively when platform is still in infancy
Lower, because the accumulation trading volume of the trade company entered is not high, lower threshold value facilitates the high credit grade of fast culture a batch
Trade company.And after platform development maturation, then the threshold value can be set to higher to supervise trade company to improve service quality.
In another embodiment, other than actively being filed a request by trade company, when trade company is abnormal transaction,
Platform system can also start trade company's health automatically and divide assessment process to verify whether the qualification of trade company to be adjusted.For example, working as quotient
Family in a short time (such as one hour) frequently occur block trade or platform some period concentrate receive about some
When a large amount of complaints of trade company, the plateform system can actively start trade company's health and divide assessment process, divide mould using trade company's health
Type assesses the health point of the trade company.Described further below, trade company's health sub-model needs constantly training, because
This, trade company's health sub-model calculated health point can objectively reflect the general level of the health of the trade company in time.Therefore,
If the calculated health point of trade company's health sub-model is lower than threshold value, platform system can actively turn down the money of the trade company
Matter grade, to limit the transaction of the trade company.Even the health divide as low as to a certain degree when, can temporarily freeze the trade company
Business activities and fund account, and then avoid the occurrence of bigger risk.While lowering trade company's qualification or freezing trade company, put down
Stage body system can equally go out according to a trade company's statement-of-health to trade company so that trade company understands it by downward qualification grade or is frozen
Concrete reason.
In yet another embodiment, after having constructed trade company's health sub-model, it is also necessary to not to the model periodically
It is disconnected to be trained.Model part is entered for trade company, can be built using integrated variable integration, deep learning FTG variable system,
Topology is completed clique and is excavated to be trained to it.And for model part in trade company's thing, then the method for having supervision can be used,
Model training in thing is carried out to black and white sample by two disaggregated models (such as random forest).
In yet another embodiment, if merely using the information in single platform system to trade company's health sub-model
The training of progress there are problems that not adapting to the actual use scene of client, then the method that transfer learning can be introduced, it will
The sample of sample and client in other platform systems is introduced into model to carry out more comprehensive training, to be promoted
The accuracy of trade company's health sub-model.
In yet another embodiment, the link in thing, if having more user's dimensions, trade company's dimension, transaction dimension valence
Value scoring can also be added them into and be mixed in trade company's health sub-model to provide more accurate trade company's health point.
In yet another embodiment, described other than providing the merchant hierarchies management module based on user health point
Link can also include for example expanding small two multi-zone supervisions module, the anti-other modules of module etc. of practising fraud of marketing activity to quotient in thing
The other problems that may relate in the transaction of family provide service, and this will not be detailed here.
The disclosure provides a kind of business solution of full link for service provider, has complied with the various of service provider and has used field
Volume audit, audit of withdrawing deposit, trade company's credit granting etc. are proposed in scape demand, such as the audit of trade company's access, trade company's thing.It is needed in these scripts
It wants in the scene of manual examination and verification, service provider can be by submitting to platform system for merchant requests, and the platform is according to example
As given by the counseling services of risk list or risk trade company health sub-model scoring determines whether to ratify the request, in turn
Trade company's holistic health degree is provided for service provider and is worth the counseling services of degree, realizes service provider's manual examination and verification to intelligence
Manual examination and verification cost has been saved in the transformation of audit, while realizing the combination of risk and business.
Subsequent link
Subsequent link relates generally on the basis of providing bottom risk identification ability, in real time by daily risk identification
(each risk classifications) output reduces resource loss to realize risk joint defence to each service provider ISV, ensures transaction level
Health degree.Specifically, daily platform can carry out risk judgment to every transaction, when recognize a certain transaction for fraud/
When gambling/arbitrage/other risks, relevant information can be pushed to corresponding service provider in real time by api interface, such as
Service provider ISV 120 and head service provider 140.In this way, when the potential risky trade company initiates transaction request again, institute
Can in advance the transaction request be intercepted by stating service provider, such as is prompted the transaction there are risk and refused to submit friendship
Easily.Since trade company's risk assessment at each service provider is associated and synchronous with platform system, once there is new wind
Danger, as long as platform system notifies each service provider in time, the risk mechanism at each service provider can be also updated therewith, thus
Realize the risk joint-action mechanism between a kind of platform-service provider.
Operation layer
In addition to risk layer, the full link safety business federal solution of the disclosure, which provides simultaneously for service provider, is related to industry
It is engaged in the solution of layer, which can promote payment success rate, promote the cooperation between each side, such as co-operative credit,
Channel cooperation and Cooperation etc., and then a whole set of perfect after-sales service process is provided.Specifically, in Cooperation ring
Section, platform pass through the output of risk ability, can exchange inclination of the client for platform items business for.Such as platform can provide
The service that payment red packet, the integral modes such as feedback attract more clients that service provider is used to provide, and service provider be then ready freely be
Platform is publicized, in this way, various businesses cooperation can be unfolded by the operation layer in business each side, realizes both sides' mutual benefit.
Such as the service provider new for one, it can quickly be melted by receiving the service of various products provided by platform system
Enter in business scenario, such as provides above-mentioned risk linkage product by downloading, installation and using plateform system come for its business
Rapid growth escort, or the payment and settlement channel of platform offer is provided and realizes safe gathering.
And in after-sale service link, apparent wind danger control effect and service resources gap tilt effect, platform can mention for service provider
For additional equity accordingly, for example, receive more loans (micro- loan services) more, receive more guarantors' (insurance service), credit gathering amount is promoted more
Deng payment equity, to enhance client's viscosity, optimize user experience.For example, when the service provider reaches one in the business development of oneself
After fixed condition (such as meeting day any active ues increased numbers or other operational indicators), certain prize can be obtained from platform system
Gold is encouraged, to reward its contribution in terms of trade company's developing.And the bonus can be by service commercialization in exchanging platform system
Subsequent or more the service of goods provided, so that the business development of service provider more health rapidly.So circulation, mentions significantly
User is risen to the dependence of product, so that can set up symbiotic co-existence between service provider and platform system, collectively promote
Closed loop operation flow.
Moreover, in order to help trade company and service provider preferably to carry out its business, platform system can also be introduced in operation layer
Credit operation provides more financial supports to carry out co-operative credit service for trade company and service provider.
In conclusion the full link safety business federal solution for service provider's industry of the disclosure provides one kind
The risk solution of full link, realizes the joint-action mechanism of safety and business, and help to keep client and product for a long time
Cooperation, improve client to the dependence of product.
Although the foregoing describe different embodiments, but it is to be understood that they are intended only as example rather than limit.
(all) those skilled in the relevant art will be appreciated that, without departing from spirit and model of the invention as defined in the appended claims
In the case where enclosing, it can be carry out various modifications in terms of form and details.Therefore, the width and model of the invention disclosed herein
Enclosing should not be limited by above-mentioned disclosed exemplary embodiment, and should be according only to the appended claims and its equivalent replacement
To define.
Claims (22)
1. a kind of method for entering request for auditing trade company, comprising:
Trade company transmits into service provider stays request, and described enter requests to include the trade company's material submitted by trade company；
Service provider receives from entering request described in the trade company and request described enter into part to platform；
The platform enables license identification OCR service with the data and archive by trade company's material identification at text formatting；
The platform audits the qualification of the trade company according to the relevant qualification verifying website of data retrieval of the text formatting；
The platform seeks advice from library by risk list and assesses the trade company with the presence or absence of risk；And
The platform determines whether to ratify based on the qualification of the trade company through auditing and the risk of the evaluated trade company
It is described to enter request；
Wherein risk list consulting library provides a kind of other approach from addition to a variety of materials provided except the trade company
It whether there is the mechanism of risk to assess the trade company.
2. the method as described in claim 1, which is characterized in that further include: the risk list is constructed by following step and is consulted
Ask library:
Blacklist library is constructed, the blacklist in the blacklist library includes trade company and risk classifications two parts；
For each blacklist in the blacklist library, potential black trade company associated therewith is expanded out by topology calculating；
It is scored respectively potential black trade company's calculation risk using each model constructed based on the risk classifications；
Summation is weighted to calculate the model overall score of the potential black trade company to the risk score of each model；And
Determined whether the potential black trade company being added to the black name according to the model overall score of the potential black trade company
In single library.
3. method according to claim 2, which is characterized in that the blacklist library includes: that Internal Shunning List and outside are come
Source blacklist；
Wherein the Internal Shunning List refers to the type of merchandise, sales volume, price, historical trading behavior, the money that existing trade company is sold
The various information relevant to the trade company that the platform interiors such as golden flow direction, logistics data, consumer feedback are held；
Wherein the external source blacklist can be constructed by the black list information of each related web site of periodic retrieval.
4. method according to claim 2, which is characterized in that further include: the model is regularly updated, and every
After secondary update, the model overall score all is calculated for the potential black trade company again.
5. method according to claim 2, which is characterized in that the risk classifications include porns, gambling and drugs, fraud, arbitrage, cheating,
Authenticity, money laundering and other transaction risks.
6. the method as described in claim 1, which is characterized in that further include: when entering request described in the audit, the platform is also
Biological verification verification is executed, biological verify verifies including indicating that the trade company is various specified according to prompting to show before camera
Movement to complete face authentication audit, or require the fingerprint identification module of trade company's touch apparatus to verify its identity.
7. the method as described in claim 1, which is characterized in that the service provider includes head service provider and service provider ISV,
Described in head service provider be that can voluntarily open up the mechanism of trade company again simultaneously with clearance qualification, and service provider ISV is not have
Clear the channel service provider of qualification.
8. the method as described in claim 1, which is characterized in that further include: when disapprove enter request when, the platform is to institute
It states a audit report of trade company's return to enter the problem of requiring to illustrate not meeting present in the trade company, and provides and build accordingly
View.
9. a kind of method for merchant hierarchies management, comprising:
It enters trade company and submits qualification to promote application to service provider；
Service provider applies for qualification promotion into part to platform；
The platform calls trade company's health sub-model to calculate the health for entering trade company point；And
If the health for entering trade company point is more than threshold value, it is described to be promoted that the platform ratifies the qualification promotion request
The qualification grade of trade company；
If the health for entering trade company point, not above threshold value, the platform refuses the qualification and promotes request and keep institute
State the qualification grade of trade company；
Wherein, trade company's health sub-model is fabricated by following stages: sample collection stage and variable portray the stage, wherein
The sample collection defines black/white sample to embody good bad differentiation of the service provider for trade company, and the variable is portrayed
Refer to the various features extracted from the transaction data of trade company collected and can portray transaction risk；
Wherein, the trade company that enters is to be reviewed access by the method as described in claim 1.
10. method as claimed in claim 9, which is characterized in that trade company's health sub-model be divided into trade company enter model and
Two parts of model in trade company's thing, and be fused together this two parts by strategic layer according to convergence strategy；
Wherein, the building that the trade company enters model is concentrated mainly on the intrinsic attribute of the trade company, without regard to transaction class
Dimension is related to the dimension of transaction class on a small quantity；
Wherein, in trade company's thing the building of model be based primarily upon it is described transaction class dimension；
Wherein, the strategic layer provides convergence strategy and enters in model and trade company's thing model in terms of to coordinate the trade company
Calculate the weight in health point.
11. method as claimed in claim 10, which is characterized in that in the building that the trade company enters model, the variable
The stage of portraying includes following part: integrated model application, clique's excavation, FTG variable system, wherein carve in variable each part
Occupy corresponding weight in picture respectively；
Wherein, the integrated model application refer to by by trade company into part information and the platform storage account and trade company
It is associated, and obtain risk associated there using existing trade company and account model system and portray variable；
Wherein, it is and to lead to the associated with the storage account in the platform into part information of the trade company that the clique, which excavates,
Excavation relational network is crossed to realize clique's Characterizations；
Wherein, the FTG variable system refers to for certain trade companies few into part information, passes through FTG variable or historical experience
Group's variable carries out variable and portrays.
12. method as claimed in claim 10, which is characterized in that in trade company's thing in the building of model, the variable
The stage of portraying includes following part: identity speciality, trade company manage history, trade company's management stability, service commodity quality, Yong Huzi
Golden amount, wherein corresponding weight is occupied in each part respectively in variable is portrayed.
13. method as claimed in claim 10, which is characterized in that further include: according to trade company trade company is divided into part information
Multiple groups, and be that each trade company group formulates corresponding convergence strategy in the strategic layer.
14. method as claimed in claim 10, which is characterized in that enter the health point of trade company described in the calculating further include:
Expertise decision-making mechanism and policy recommendation mechanism；
Wherein expertise decision-making mechanism, which refers to, introduces the manually judgement experience for risk in health point calculates；
Wherein the policy recommendation mechanism is based on transfer learning technology, using knowledge similar with aiming field in source domain, by source domain
In in useful knowledge migration to aiming field.
15. method as claimed in claim 9, which is characterized in that in addition to actively qualification being submitted to mention to service provider from entering trade company
It rises except application, when the trade company is abnormal transaction, the platform can also call trade company's health point automatically
Model to verify whether to adjust the qualification grade of the trade company, the adjustment include lower the qualification grade of the trade company, or
Freeze Transaction Account number of the trade company in platform.
16. method as claimed in claim 9, which is characterized in that further include: it is mentioned in the qualification of the refusal from the trade company
It rises after requesting, the platform returns to a report to the trade company and promotes requirement to illustrate not meeting qualification present in the trade company
The problem of, and provide corresponding suggestion.
17. method as claimed in claim 9, which is characterized in that the service provider includes head service provider and service provider ISV,
Wherein the head service provider is the mechanism that can voluntarily open up trade company again simultaneously with clearance qualification, and service provider ISV is not have
The channel service provider of standby clearance qualification.
18. method as claimed in claim 9, which is characterized in that be periodically trained update to trade company's health sub-model.
19. a kind of provide the method for full link safety business federal solution for service provider's industry, comprising:
Risk layer is provided, to carry out for the various risks in the presence of each stage of trade company before and after entering platform
Monitoring；
Operation layer is provided, attracts trade company to provide good service to carry out comprehensive depth cooperation；
Wherein, the risk layer include access, in thing, subsequent three links:
In access link, the risk score for the trade company that library is assessed is seeked advice from by risk list to audit entering for the trade company
In request；
The link in thing calculates the health point of the trade company by calling trade company's health sub-model, to the trade company
Qualification promotes request and is audited；
In subsequent link, risk identification is exported to each service provider to realize risk joint defence；
Wherein the operation layer includes two links of Cooperation and after-sale service:
In Cooperation link, carry out the Cooperation between Trading parties；
In after-sale service link, by Cooperation, a whole set of perfect after-sales service process is provided.
20. a kind of for auditing the platform for entering request of trade company, comprising:
License identifies OCR module, by the trade company's material identification entered in request from trade company from service provider into part at text
The data and archive of format, and according to the data retrieval of the text formatting relevant qualification verifying website to audit the quotient
The qualification at family；And
Risk list consultation module, assessing the trade company based on risk list consulting library whether there is risk；
Wherein the platform is determined whether based on the qualification of the trade company through auditing and the risk of the evaluated trade company
Ratify the described of the trade company and enters request.
21. a kind of platform for merchant hierarchies management, comprising:
Trade company's health sub-model enters quotient described in request calculating according to being promoted from the qualification for entering trade company from service provider into part
The health at family point；
If the health for entering trade company point is more than threshold value, it is described to be promoted that the platform ratifies the qualification promotion request
The qualification grade of trade company；
If the health for entering trade company point, not above threshold value, the platform refuses the qualification and promotes request and keep institute
State the qualification grade of trade company；
Wherein, trade company's health sub-model is fabricated by following stages: sample collection stage and variable portray the stage, wherein
The sample collection defines black/white sample to embody good bad differentiation of the service provider for trade company, and the variable is portrayed
Refer to the various features extracted from the transaction data of trade company collected and can portray transaction risk；
Wherein, the trade company that enters is to be reviewed access by platform as claimed in claim 20.
22. a kind of provide the platform of full link safety business federal solution for service provider's industry, comprising:
Risk layer is monitored for the various risks in the presence of each stage of trade company before and after entering platform；
Operation layer provides good service to attract trade company to carry out comprehensive depth cooperation；
Wherein, the risk layer include access, in thing, subsequent three links:
In access link, the risk score for the trade company that library is assessed is seeked advice from by risk list to audit entering for the trade company
In request；
The link in thing calculates the health point of the trade company by calling trade company's health sub-model, to the trade company
Qualification promotes request and is audited；
In subsequent link, risk identification is exported to each service provider to realize risk joint defence；
Wherein the operation layer includes two links of Cooperation and after-sale service:
In Cooperation link, carry out the Cooperation between Trading parties；
In after-sale service link, by Cooperation, a whole set of perfect after-sales service process is provided.
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