CN115099975A - Transaction risk control method and device, processor and electronic equipment - Google Patents
Transaction risk control method and device, processor and electronic equipment Download PDFInfo
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Abstract
The application discloses a transaction risk control method and device, a processor and electronic equipment. Relating to the field of financial science and technology and other fields, the method comprises the following steps: acquiring a list hanging instruction issued by a transaction system, and analyzing the list hanging instruction to obtain at least one transaction element of the current transaction to be executed; determining the business type of the current transaction and determining a preset risk control parameter table corresponding to the business type; determining target risk control parameters corresponding to the transaction elements in a preset risk control parameter table to obtain at least one target risk control parameter; judging whether the value of each target risk control parameter is greater than or equal to the corresponding parameter threshold value; and under the condition that the value of any one target risk control parameter is greater than or equal to the corresponding parameter threshold value, canceling the current transaction. Through the method and the device, the problem that in the related technology, whether risks exist before orders are placed through manual re-checking is solved, so that transaction risks cannot be accurately controlled, and the efficiency of controlling the transaction risks is low is solved.
Description
Technical Field
The application relates to the field of financial science and technology and other fields, in particular to a method and a device for controlling transaction risk, a processor and electronic equipment.
Background
In the related technology, due to the fact that a risk control mechanism in advance of transaction is lost, before the transaction is placed, the risk is controlled by manual rechecking of a trader, and the risk of placing the order in the transaction cannot be accurately and efficiently prevented. The transaction risk finding and controlling mechanism has the problem of credit risk of traders, and has low wind control efficiency and single wind control dimension, so that the risk of ordering the transaction cannot be effectively controlled in advance.
Aiming at the problems that in the related art, whether risks exist before orders are placed through manual re-checking, transaction risks cannot be accurately controlled, and the efficiency of controlling the transaction risks is low, an effective solution is not provided at present.
Disclosure of Invention
The main objective of the present application is to provide a method, an apparatus, a processor and an electronic device for controlling transaction risk, so as to solve the problem in the related art that if there is a risk before a transaction is manually checked again, the transaction risk cannot be accurately controlled and the efficiency of controlling the transaction risk is low.
In order to achieve the above object, according to one aspect of the present application, there is provided a method of controlling transaction risk. The method comprises the following steps: acquiring a list hanging instruction issued by a transaction system, and analyzing the list hanging instruction to obtain at least one transaction element of the current transaction to be executed; determining the business type of the current transaction and determining a preset risk control parameter table corresponding to the business type; determining target risk control parameters corresponding to the transaction elements in a preset risk control parameter table to obtain at least one target risk control parameter, wherein the preset risk control parameter table comprises risk control parameters corresponding to a plurality of types of transaction elements respectively; judging whether the value of each target risk control parameter is greater than or equal to the corresponding parameter threshold value; and under the condition that the value of any one target risk control parameter is greater than or equal to the corresponding parameter threshold value, canceling the current transaction.
Optionally, before determining a target risk control parameter corresponding to the transaction element in the preset risk control parameter table and obtaining at least one target risk control parameter, the method further includes: acquiring transactions with risks from historical transactions to obtain a plurality of historical risk transactions; acquiring risk transaction elements of different business types from a plurality of historical risk transactions to obtain a plurality of groups of risk transaction elements, wherein the risk transaction elements are transaction elements with abnormal parameters; and respectively determining risk control parameters for the abnormal parameters of each risk transaction element in each group of risk transaction elements to obtain a plurality of groups of risk control parameters, and generating a preset risk control parameter table according to each group of risk transaction elements and the risk control parameters of the corresponding group.
Optionally, after obtaining the risk-presenting transaction from the historical transactions, and obtaining a plurality of historical risk transactions, the method further comprises: determining a parameter value corresponding to each type of risk transaction element in a plurality of historical risk transactions to obtain a plurality of groups of parameter values; and respectively determining the parameter threshold of the risk transaction element of the corresponding type according to each group of parameter values.
Optionally, after determining the parameter threshold of the risk transaction element of the corresponding type according to each set of parameter values, the method further includes: judging whether the parameter threshold is greater than or equal to a first parameter threshold; when the parameter threshold is greater than or equal to the first parameter threshold, adjusting the parameter threshold to be smaller than the first parameter threshold; under the condition that the parameter threshold is smaller than the first parameter threshold, judging whether the parameter threshold is smaller than or equal to a second parameter threshold, wherein the second parameter threshold is smaller than the first parameter threshold; and adjusting the parameter threshold value to be larger than the second parameter threshold value under the condition that the parameter threshold value is smaller than or equal to the second parameter threshold value.
Optionally, after determining whether the value of each target risk control parameter is greater than or equal to the corresponding parameter threshold, the method further includes: under the condition that the values of all target risk control parameters are smaller than the parameter threshold value, determining transaction conditions, and generating a transaction instruction according to the transaction conditions and the transaction content of the current transaction, wherein the transaction instruction is used for indicating that the current transaction is in a tradable state; and executing the current transaction according to the transaction instruction.
Optionally, after revoking the current transaction, the method further comprises: determining a current transaction as a risk transaction; and recording a target risk control parameter, a value of the target risk control parameter and a transaction element corresponding to the target risk control parameter in risk transaction.
Optionally, after determining the current transaction as a risk transaction, the method further comprises: releasing a queue position of a transaction queue of the current transaction; and the next transaction after the current transaction is added to the transaction queue.
In order to achieve the above object, according to another aspect of the present application, there is provided a transaction risk control apparatus. The device includes: the first acquisition unit is used for acquiring a list hanging instruction issued by the transaction system and analyzing the list hanging instruction to obtain at least one transaction element of the current transaction to be executed; the first determining unit is used for determining the service type of the current transaction and determining a preset risk control parameter table corresponding to the service type; the second determining unit is used for determining target risk control parameters corresponding to the transaction elements in a preset risk control parameter table to obtain at least one target risk control parameter, wherein the preset risk control parameter table comprises risk control parameters corresponding to a plurality of types of transaction elements respectively; the judging unit is used for judging whether the value of each target risk control parameter is greater than or equal to the corresponding parameter threshold value; and the cancelling unit is used for cancelling the current transaction under the condition that the value of any one target risk control parameter is greater than or equal to the corresponding parameter threshold value.
By the application, the following steps are adopted: acquiring a list hanging instruction issued by a transaction system, and analyzing the list hanging instruction to obtain at least one transaction element of the current transaction to be executed; determining the business type of the current transaction and determining a preset risk control parameter table corresponding to the business type; determining target risk control parameters corresponding to the transaction elements in a preset risk control parameter table to obtain at least one target risk control parameter, wherein the preset risk control parameter table comprises risk control parameters corresponding to a plurality of types of transaction elements respectively; judging whether the value of each target risk control parameter is greater than or equal to the corresponding parameter threshold value; under the condition that the value of any target risk control parameter is larger than or equal to the corresponding parameter threshold value, the current transaction is cancelled, and the problems that in the related technology, whether risks exist before the transaction is rechecked manually or not, the transaction risk cannot be accurately controlled, and the transaction risk control efficiency is low are solved. Whether the risk control parameter exceeds the parameter threshold value is judged through the transaction before the order is placed, so that whether the transaction has risks is judged, and the effect of efficiently and accurately controlling the transaction risk is achieved.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this application, illustrate embodiments of the application and, together with the description, serve to explain the application and are not intended to limit the application. In the drawings:
fig. 1 is a flowchart of a method for controlling transaction risk provided according to an embodiment of the present application;
FIG. 2 is a flow chart of an alternative transaction risk control method according to an embodiment of the present application;
FIG. 3 is a schematic diagram of a control device for transaction risk provided according to an embodiment of the application;
fig. 4 is a schematic diagram of an electronic device provided according to an embodiment of the application.
Detailed Description
It should be noted that the embodiments and features of the embodiments in the present application may be combined with each other without conflict. The present application will be described in detail below with reference to the embodiments with reference to the attached drawings.
In order to make the technical solutions better understood by those skilled in the art, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only partial embodiments of the present application, but not all embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
It should be noted that the terms "first," "second," and the like in the description and claims of this application and in the accompanying drawings are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It should be understood that the data so used may be interchanged under appropriate circumstances in order to facilitate the description of the embodiments of the application herein. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed, but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.
It should be noted that, the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data for presentation, analyzed data, etc.) referred to in the present disclosure are information and data authorized by the user or sufficiently authorized by each party.
The invention is described below with reference to preferred implementation steps, and fig. 1 is a flowchart of a transaction risk control method provided in an embodiment of the present application, and as shown in fig. 1, the method includes the following steps:
and S101, acquiring a list hanging instruction issued by the transaction system, and analyzing the list hanging instruction to obtain at least one transaction element of the current transaction to be executed.
For example, the current transaction may be a stock transaction initiated by a financial institution, and the transaction elements may be various indicators agreed upon by both parties to the current transaction, such as a maximum limit for each single transaction by each trader and a deviation of the price of the stock to be traded, or a limited number of transactions in the month between the buyer and the financial institution, as specified by the financial institution. By formally listing some transaction elements in the market before the transaction, whether the transaction has risk can be judged.
Step S102, determining the business type of the current transaction and determining a preset risk control parameter table corresponding to the business type.
For example, the service type may be a foreign exchange transaction, and a preset risk control parameter table corresponding to the foreign exchange transaction is determined.
Step S103, target risk control parameters corresponding to the transaction elements are determined in a preset risk control parameter table to obtain at least one target risk control parameter, wherein the preset risk control parameter table comprises risk control parameters corresponding to a plurality of types of transaction elements respectively.
For example, in the case that the current transaction is a stock transaction initiated by a financial institution, the preset risk control parameter table may set a set of parameters corresponding to the partial transaction elements to be monitored, which are set for the financial institution. The financial institution analyzes the transaction with risk in the historical transaction, determines transaction elements causing the risk, sets parameters corresponding to the risk transaction elements as risk control parameters, determines partial risk control parameters, namely target risk control parameters, of the transaction elements in the current transaction, which are mapped in a preset risk control parameter table before the current transaction is listed, and monitors all the target risk control parameters of the current transaction.
Step S104, judging whether the value of each target risk control parameter is larger than or equal to the corresponding parameter threshold value.
Specifically, the value of the target risk control parameter may be a parameter value corresponding to the target risk control parameter in the current transaction, for example, in the case that the current transaction is a stock transaction initiated by a financial institution, the parameter threshold may be a maximum value and a minimum value of each risk control parameter set by the financial institution, which has a risk. Determining whether the transaction is at risk by determining whether a target risk control parameter for the current transaction exceeds a parameter threshold.
Step S105, under the condition that the value of any one target risk control parameter is larger than or equal to the corresponding parameter threshold value, the current transaction is cancelled.
Specifically, as long as the value of any one target risk control parameter of the current transaction exceeds the parameter threshold, the current transaction is a transaction with a risk, and therefore the current transaction needs to be cancelled.
According to the method for controlling the transaction risk, at least one transaction element of the current transaction to be executed is obtained by acquiring the order-hanging instruction issued by the transaction system and analyzing the order-hanging instruction; determining the business type of the current transaction and determining a preset risk control parameter table corresponding to the business type; determining target risk control parameters corresponding to the transaction elements in a preset risk control parameter table to obtain at least one target risk control parameter, wherein the preset risk control parameter table comprises risk control parameters corresponding to a plurality of types of transaction elements respectively; judging whether the value of each target risk control parameter is greater than or equal to the corresponding parameter threshold value; under the condition that the value of any target risk control parameter is larger than or equal to the corresponding parameter threshold value, the current transaction is cancelled, and the problems that in the related technology, whether risks exist before the transaction is rechecked manually or not, the transaction risk cannot be accurately controlled, and the transaction risk control efficiency is low are solved. Whether the risk control parameter exceeds the parameter threshold value is judged through the transaction before the order is placed, so that whether the transaction has risks is judged, and the effect of efficiently and accurately controlling the transaction risk is achieved.
Optionally, in the method for controlling transaction risk provided in the embodiment of the present application, before determining a target risk control parameter corresponding to a transaction element in the preset risk control parameter table and obtaining at least one target risk control parameter, the method further includes: acquiring transactions with risks from historical transactions to obtain a plurality of historical risk transactions; acquiring risk transaction elements of different business types from a plurality of historical risk transactions to obtain a plurality of groups of risk transaction elements, wherein the risk transaction elements are transaction elements with abnormal parameters; and respectively determining risk control parameters for the abnormal parameters of each risk transaction element in each group of risk transaction elements to obtain a plurality of groups of risk control parameters, and generating a preset risk control parameter table according to each group of risk transaction elements and the risk control parameters of the corresponding group.
Specifically, the historical trades may be securities trades initiated in a financial institution, and the historical risk trades may be trades in the historical trades that are manually determined to be at risk. The risk trading elements can be abnormal parameters for traders to judge the existence of risks in the trading elements of historical risk trading, all risk trading elements in the historical trading are counted, corresponding risk control parameters are respectively set according to different categories of the risk trading elements, for example, if the trading elements are trading time, trading frequency and trading amount, the corresponding risk control parameters are set to be trading time, the maximum trading amount in the current month and single-stroke quota of traders, and the risk trading elements corresponding to the business type and the risk control parameters corresponding to the risk trading elements are combined into a preset risk control parameter table corresponding to the business type according to different business types. For example, the risk control parameters for the foreign exchange business type include currency exchange rate, while the risk control parameters for the local business type do not include currency exchange rate. The risk control parameters existing in the current transaction are automatically judged through a business system of a financial institution by setting a preset risk control parameter table.
Optionally, in the method for controlling transaction risk provided in the embodiment of the present application, after obtaining transactions with risks from historical transactions and obtaining a plurality of historical risk transactions, the method further includes: determining parameter values corresponding to risk transaction elements of each type in a plurality of historical risk transactions to obtain a plurality of groups of parameter values; and respectively determining the parameter threshold of the risk transaction element of the corresponding type according to each group of parameter values.
Specifically, historical risk transactions corresponding to each type of risk transaction element are determined respectively, parameter values corresponding to the type of risk transaction element are determined from the historical risk transactions of no group, a group of parameter values of the type are obtained, rules are determined according to different types of parameter threshold values, and the parameter threshold value corresponding to each risk transaction element is set according to each group of parameter values and the parameter threshold value determination rules corresponding to each group of parameter values. And comparing the values of the target risk control parameters in the current transaction by setting a parameter threshold value, thereby judging whether the current transaction has risks.
For example, one risk transaction element is a transaction amount, a group of transaction amount values are obtained from historical risk transactions caused by abnormal parameters of the transaction amount, a minimum transaction amount is determined from the group of transaction amount values, and the minimum transaction amount is set as a parameter threshold of a risk control parameter corresponding to the transaction amount.
Optionally, in the method for controlling transaction risk provided in this embodiment of the present application, after determining the parameter threshold of the risk transaction element of the corresponding type according to each set of parameter values, the method further includes: judging whether the parameter threshold is greater than or equal to a first parameter threshold; when the parameter threshold is greater than or equal to the first parameter threshold, adjusting the parameter threshold to be smaller than the first parameter threshold; under the condition that the parameter threshold is smaller than the first parameter threshold, judging whether the parameter threshold is smaller than or equal to a second parameter threshold, wherein the second parameter threshold is smaller than the first parameter threshold; and adjusting the parameter threshold to be larger than the second parameter threshold under the condition that the parameter threshold is smaller than or equal to the second parameter threshold.
Specifically, the first parameter threshold may be a maximum value of a parameter threshold corresponding to one risk control parameter, the second parameter threshold may be a minimum value of a parameter threshold corresponding to the one risk control parameter, and because a person setting the parameter threshold has a situation where knowledge of market details is not clear enough, the set parameter threshold has a situation where the set parameter threshold is not matched with a current transaction, a middle office worker of a financial institution sets the first parameter threshold and the second parameter threshold according to actual market details, and adjusts the parameter threshold correspondingly under the situation where the set parameter threshold is greater than or equal to the first parameter threshold or less than or equal to the second parameter threshold, and ensures that the parameter threshold can be matched with the current transaction by setting the first parameter threshold and the second parameter threshold.
Optionally, in the method for controlling transaction risk provided in the embodiment of the present application, after determining whether the value of each target risk control parameter is greater than or equal to the corresponding parameter threshold, the method further includes: under the condition that the values of all target risk control parameters are smaller than the parameter threshold value, determining transaction conditions, and generating a transaction instruction according to the transaction conditions and the transaction content of the current transaction, wherein the transaction instruction is used for indicating that the current transaction is in a tradable state; and executing the current transaction according to the transaction instruction.
Specifically, the current transaction may be a security transaction, the transaction condition may be a transaction amount condition, after determining that there is no risk in the current transaction, the financial institution may hang up the current transaction, and before hanging up the current transaction, the transaction condition of the current transaction needs to be confirmed, for example, the security a has an amount of x to a hung-up slip.
Optionally, in the method for controlling transaction risk provided in the embodiment of the present application, after the current transaction is cancelled, the method further includes: determining a current transaction as a risk transaction; and recording a target risk control parameter, a value of the target risk control parameter and a transaction element corresponding to the target risk control parameter in the risk transaction.
Specifically, the parameter threshold corresponding to the risk control parameter needs to be adjusted in real time, so that after the current transaction is cancelled, the current transaction is determined as a risk transaction, and the target risk control parameter, the value of the target risk control parameter, and the transaction element corresponding to the target risk control parameter in the risk transaction are recorded, so that the preset risk control parameter table and the parameter threshold are conveniently updated.
Optionally, in the method for controlling transaction risk provided by the embodiment of the present application, after determining the current transaction as a risk transaction, the method further includes: releasing a queue position of a transaction queue of the current transaction; and the next transaction after the current transaction is added to the transaction queue.
Specifically, the transaction queue may be a queue formed by a plurality of transactions between the financial institution and the buyer, and due to the limitation of the transaction frequency, when it is determined that the current transaction is at risk, the position in the transaction queue occupied by the current transaction needs to be released, and a new transaction needs to be added into the transaction queue.
According to another embodiment of the present application, a method for controlling alternative transaction risk is provided, and fig. 2 is a flowchart of a method for controlling alternative transaction risk provided according to an embodiment of the present application, as shown in fig. 2, the method includes the following steps:
firstly, an order placing system of the financial market generates an order for the suspended order, and the order placing instruction comprises business elements for placing orders in a trade.
And then, acquiring a wind control index, and loading the wind control index in advance in the database into a memory through a financial market trading ordering system so as to improve the wind control processing efficiency.
And then, asynchronous-to-synchronous technology is adopted by the financial market trading ordering system to realize asynchronous parallel inspection of a plurality of wind control indexes, so that the time consumed by wind control is reduced.
And then, the financial market trading ordering system summarizes the check results of the plurality of wind control indexes, if all the indexes are checked to be passed, the check result is passed, otherwise, the check result is not passed. The release wind control index represents the index pre-occupied by the financial market trading ordering system in the prior risk control check release process when the prior risk control fails.
Finally, the financial market trading ordering system hangs the order to the market after the prior risk control is passed. The system asynchronously records the prior risk control process of each step, and generates a prior control report form through a night timing task for a risk manager to check periodically.
Through the control method of the selectable transaction risk, the problems that in the related art, whether risks exist before orders are placed through manual rechecking of the transactions or not is solved, the transaction risk cannot be accurately controlled, and the efficiency of controlling the transaction risk is low.
It should be noted that the steps illustrated in the flowcharts of the figures may be performed in a computer system such as a set of computer-executable instructions and that, although a logical order is illustrated in the flowcharts, in some cases, the steps illustrated or described may be performed in an order different than presented herein.
The embodiment of the present application further provides a device for controlling transaction risk, and it should be noted that the device for controlling transaction risk of the embodiment of the present application may be used to execute the method for controlling transaction risk provided in the embodiment of the present application. The following describes a device for controlling transaction risk according to an embodiment of the present application.
Fig. 3 is a schematic diagram of a control device for transaction risk according to an embodiment of the application. As shown in fig. 3, the apparatus includes:
the first obtaining unit 10 is configured to obtain a menu hanging instruction issued by a transaction system, and analyze the menu hanging instruction to obtain at least one transaction element of a current transaction to be executed;
the first determining unit 20 is configured to determine a service type to which the current transaction belongs, and determine a preset risk control parameter table corresponding to the service type;
a second determining unit 30, configured to determine target risk control parameters corresponding to the transaction elements in a preset risk control parameter table to obtain at least one target risk control parameter, where the preset risk control parameter table includes risk control parameters corresponding to multiple types of transaction elements respectively;
a judging unit 40, configured to judge whether a value of each target risk control parameter is greater than or equal to a corresponding parameter threshold;
and the cancelling unit 50 is used for cancelling the current transaction under the condition that the value of any one target risk control parameter is greater than or equal to the corresponding parameter threshold value.
According to the control device for transaction risk provided by the embodiment of the application, the first obtaining unit 10 is used for obtaining the order-hanging instruction issued by the transaction system and analyzing the order-hanging instruction to obtain at least one transaction element of the current transaction to be executed; the first determining unit 20 determines the service type to which the current transaction belongs, and determines a preset risk control parameter table corresponding to the service type; the second determining unit 30 determines target risk control parameters corresponding to the transaction elements in a preset risk control parameter table to obtain at least one target risk control parameter, wherein the preset risk control parameter table comprises risk control parameters corresponding to a plurality of types of transaction elements respectively; a judging unit 40 that judges whether the value of each target risk control parameter is greater than or equal to the corresponding parameter threshold; the cancelling unit 50 cancels the current transaction when the value of any one target risk control parameter is greater than or equal to the corresponding parameter threshold, so as to solve the problems that in the related art, whether the risk exists before the transaction is manually rechecked, the transaction risk cannot be accurately controlled, and the transaction risk control efficiency is low.
Optionally, in the apparatus for controlling transaction risk provided in the embodiment of the present application, the apparatus further includes: the second acquisition unit is used for acquiring the transactions with risks from the historical transactions to obtain a plurality of historical risk transactions; the third acquisition unit is used for acquiring risk transaction elements of different business types from a plurality of historical risk transactions to obtain a plurality of groups of risk transaction elements, wherein the risk transaction elements are transaction elements with abnormal parameters; and the third determining unit is used for respectively determining the risk control parameters for the abnormal parameters of each risk transaction element in each group of risk transaction elements to obtain a plurality of groups of risk control parameters, and generating a preset risk control parameter table according to each group of risk transaction elements and the risk control parameters of the corresponding group.
Optionally, in the apparatus for controlling transaction risk provided in the embodiment of the present application, the apparatus further includes: the fourth determining unit is used for determining the parameter value corresponding to each type of risk transaction element in a plurality of historical risk transactions to obtain a plurality of groups of parameter values; and the fifth determining unit is used for determining the parameter threshold of the risk transaction element of the corresponding type according to each group of parameter values.
Optionally, in the apparatus for controlling transaction risk provided in the embodiment of the present application, the apparatus further includes: a first parameter threshold value judging unit for judging whether the parameter threshold value is greater than or equal to a first parameter threshold value; a first adjusting unit, configured to adjust the parameter threshold to be smaller than the first parameter threshold when the parameter threshold is greater than or equal to the first parameter threshold; the second parameter threshold judging unit is used for judging whether the parameter threshold is smaller than or equal to a second parameter threshold under the condition that the parameter threshold is smaller than the first parameter threshold, wherein the second parameter threshold is smaller than the first parameter threshold; and the second adjusting unit is used for adjusting the parameter threshold to be larger than the second parameter threshold under the condition that the parameter threshold is smaller than or equal to the second parameter threshold.
Optionally, in the apparatus for controlling transaction risk provided in the embodiment of the present application, the apparatus further includes: the generating unit is used for determining transaction conditions under the condition that the values of all target risk control parameters are smaller than the parameter threshold value, and generating a transaction instruction according to the transaction conditions and the transaction content of the current transaction, wherein the transaction instruction is used for indicating that the current transaction is in a tradable state; and executing the current transaction according to the transaction instruction.
Optionally, in the apparatus for controlling transaction risk provided in the embodiment of the present application, the apparatus further includes: a sixth determining unit for determining the current transaction as a risk transaction; and recording a target risk control parameter, a value of the target risk control parameter and a transaction element corresponding to the target risk control parameter in the risk transaction.
Optionally, in the apparatus for controlling transaction risk provided in the embodiment of the present application, the apparatus further includes: the release unit is used for releasing a queue position of a transaction queue of the current transaction; and the joining unit is used for joining the next transaction after the current transaction into the transaction queue.
The control device for transaction risk comprises a processor and a memory, wherein the first acquiring unit 10, the first determining unit 20, the second determining unit 30, the judging unit 40, the canceling unit 50 and the like are stored in the memory as program units, and the processor executes the program units stored in the memory to realize corresponding functions.
The processor comprises a kernel, and the kernel calls the corresponding program unit from the memory. The kernel can be set to be one or more, and transaction risks can be controlled efficiently and accurately by adjusting kernel parameters.
The memory may include volatile memory in a computer readable medium, Random Access Memory (RAM) and/or nonvolatile memory such as Read Only Memory (ROM) or flash memory (flash RAM), and the memory includes at least one memory chip.
An embodiment of the present invention provides a computer-readable storage medium on which a program is stored, the program implementing a method of controlling a transaction risk when executed by a processor.
The embodiment of the invention provides a processor, which is used for running a program, wherein the program executes a control method of transaction risk during running.
As shown in fig. 4, an embodiment of the present invention provides an electronic device, where the device 401 includes a processor, a memory, and a program stored in the memory and executable on the processor, and the processor executes the program to implement the following steps: a method for controlling transaction risk. The device herein may be a server, a PC, a PAD, a mobile phone, etc.
The present application further provides a computer program product adapted to perform a program for initializing the following method steps when executed on a data processing device: a method for controlling transaction risk.
As will be appreciated by one skilled in the art, embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present application is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the application. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.
The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). The memory is an example of a computer-readable medium.
Computer-readable media, including both permanent and non-permanent, removable and non-removable media, may implement the information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Disks (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium, which can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.
It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in the process, method, article, or apparatus that comprises the element.
As will be appreciated by one skilled in the art, embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The above are merely examples of the present application and are not intended to limit the present application. Various modifications and changes may occur to those skilled in the art. Any modification, equivalent replacement, improvement or the like made within the spirit and principle of the present application shall be included in the scope of the claims of the present application.
Claims (10)
1. A method for controlling transaction risk, comprising:
acquiring a list hanging instruction issued by a transaction system, and analyzing the list hanging instruction to obtain at least one transaction element of the current transaction to be executed;
determining the service type of the current transaction and determining a preset risk control parameter table corresponding to the service type;
determining target risk control parameters corresponding to the transaction elements in a preset risk control parameter table to obtain at least one target risk control parameter, wherein the preset risk control parameter table comprises risk control parameters corresponding to a plurality of types of transaction elements respectively;
judging whether the value of each target risk control parameter is greater than or equal to the corresponding parameter threshold value;
and under the condition that the value of any one target risk control parameter is greater than or equal to the corresponding parameter threshold value, revoking the current transaction.
2. The method of claim 1, wherein before determining a target risk control parameter corresponding to the transaction element in a pre-defined risk control parameter table, the method further comprises:
acquiring transactions with risks from historical transactions to obtain a plurality of historical risk transactions;
acquiring risk transaction elements of different business types from the historical risk transactions to obtain a plurality of groups of risk transaction elements, wherein the risk transaction elements are transaction elements with abnormal parameters;
and respectively determining risk control parameters for the abnormal parameters of each risk transaction element in each group of risk transaction elements to obtain a plurality of groups of risk control parameters, and generating the preset risk control parameter table according to each group of risk transaction elements and the risk control parameters of the corresponding group.
3. The method of claim 2, wherein after obtaining the at-risk transactions from historical transactions, resulting in a plurality of historical risk transactions, the method further comprises:
determining a parameter value corresponding to each type of risk transaction element in a plurality of historical risk transactions to obtain a plurality of groups of parameter values;
and determining the parameter threshold value of the risk trading element of the corresponding type according to each group of parameter values.
4. The method of claim 3, wherein after determining the parameter threshold for the corresponding type of the risk transaction element from each set of parameter values, respectively, the method further comprises:
judging whether the parameter threshold is greater than or equal to a first parameter threshold;
if the parameter threshold is greater than or equal to the first parameter threshold, adjusting the parameter threshold to be less than the first parameter threshold;
under the condition that the parameter threshold is smaller than the first parameter threshold, judging whether the parameter threshold is smaller than or equal to a second parameter threshold, wherein the second parameter threshold is smaller than the first parameter threshold;
adjusting the parameter threshold to be greater than the second parameter threshold if the parameter threshold is less than or equal to the second parameter threshold.
5. The method of claim 1, wherein after determining whether the value of each of the target risk control parameters is greater than or equal to the corresponding parameter threshold, the method further comprises:
under the condition that the values of all the target risk control parameters are smaller than the parameter threshold value, determining a transaction condition, and generating a transaction instruction according to the transaction condition and the transaction content of the current transaction, wherein the transaction instruction is used for indicating that the current transaction is in a tradable state;
and executing the current transaction according to the transaction instruction.
6. The method of claim 1, wherein after revoking the current transaction, the method further comprises:
determining the current transaction as a risk transaction;
and recording the target risk control parameter, the value of the target risk control parameter and a transaction element corresponding to the target risk control parameter in the risk transaction.
7. The method of claim 6, wherein after determining the current transaction as a risk transaction, the method further comprises:
releasing a queue position of the transaction queue of the current transaction;
and adding a next transaction after the current transaction to the transaction queue.
8. A transaction risk control apparatus, comprising:
the first acquisition unit is used for acquiring a list hanging instruction issued by the transaction system and analyzing the list hanging instruction to obtain at least one transaction element of the current transaction to be executed;
the first determining unit is used for determining the service type of the current transaction and determining a preset risk control parameter table corresponding to the service type;
the second determining unit is used for determining target risk control parameters corresponding to the transaction elements in a preset risk control parameter table to obtain at least one target risk control parameter, wherein the preset risk control parameter table comprises risk control parameters corresponding to a plurality of types of transaction elements respectively;
the judging unit is used for judging whether the value of each target risk control parameter is greater than or equal to a corresponding parameter threshold value;
and the cancelling unit is used for cancelling the current transaction under the condition that the value of any one target risk control parameter is greater than or equal to the corresponding parameter threshold value.
9. A processor, characterized in that the processor is configured to run a program, wherein the program is configured to execute the method for controlling transaction risk according to any one of claims 1 to 7 when running.
10. An electronic device comprising one or more processors and memory for storing one or more programs, wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to implement the method of controlling transaction risk of any of claims 1-7.
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN117196795A (en) * | 2023-08-23 | 2023-12-08 | 中电金信软件有限公司 | Risk control method and apparatus |
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| CN117196795A (en) * | 2023-08-23 | 2023-12-08 | 中电金信软件有限公司 | Risk control method and apparatus |
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