WO2021068626A1 - 异常交易识别方法和装置 - Google Patents

异常交易识别方法和装置 Download PDF

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WO2021068626A1
WO2021068626A1 PCT/CN2020/107091 CN2020107091W WO2021068626A1 WO 2021068626 A1 WO2021068626 A1 WO 2021068626A1 CN 2020107091 W CN2020107091 W CN 2020107091W WO 2021068626 A1 WO2021068626 A1 WO 2021068626A1
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Prior art keywords
abnormal
payment account
information
transaction
account information
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PCT/CN2020/107091
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English (en)
French (fr)
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邓天成
陈祎心
刘超
汪雯莉
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支付宝(杭州)信息技术有限公司
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Publication of WO2021068626A1 publication Critical patent/WO2021068626A1/zh

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

Definitions

  • This specification relates to the technical field of data processing, and in particular to a method for identifying abnormal transactions.
  • This manual also relates to an abnormal transaction identification device, a computing device, and a computer-readable storage medium.
  • non-bank institutions cannot support illegal transaction funds payments (or deposits and recharges) on illegal online transaction platforms (including websites and smart applications). Due to the serious problem of illegal online transactions in the society, and the online payment system can be used for more acquisition transactions and transfer payment products, the amount of funds charged into the banker's collection account through various channels is very large.
  • risk prevention and control strategies although the accuracy of the strategy system basically reaches the level of 95% or even 99%, due to the large amount of audits, false audits often occur; in addition, there are still many more hidden capital transactions that are floating in the prevention and control. In addition, it is difficult to find. In the context of the continuous increase of strategic audits and penalties, and the continued high compliance risk of illegal transactions using payment platforms to pay, improving the identification accuracy and coverage of the strategy system has become the core pain point of illegal transaction risk management.
  • the embodiments of this specification provide a method for identifying abnormal transactions.
  • This specification also relates to an abnormal transaction identification device, a computing device, and a computer-readable storage medium to solve the technical defects in the prior art.
  • an abnormal transaction identification method including: identifying abnormal transaction information, abnormal payment account information, and abnormal payment account information based on transaction data according to a first preset rule; Adjust the abnormal payment account information based on the transaction information and the abnormal payment account information; adjust the abnormal transaction information based on the abnormal payment account information and the abnormal payment account information before or after the adjustment; and adjust the abnormal transaction information based on the information before or after the adjustment.
  • the abnormal transaction information and the abnormal payment account information adjust the abnormal payment account information.
  • an abnormal transaction identification device including: an identification module configured to identify abnormal transaction information, abnormal payment account information, and abnormal payment account information based on transaction data according to a first preset rule
  • the first adjustment module is configured to adjust the abnormal payment account information based on the abnormal transaction information and the abnormal payment account information
  • the second adjustment module is configured to adjust the abnormal payment account information based on the abnormal payment account information and before or after the adjustment
  • the abnormal payment account information adjusts the abnormal transaction information
  • the third adjustment module is configured to adjust the abnormal payment account information based on the abnormal transaction information before or after the adjustment and the abnormal payment account information.
  • a computing device including a memory, a processor, and computer instructions stored in the memory and executable on the processor.
  • the processor implements the instructions when the instructions are executed. The steps of the node layout determination method.
  • a computer-readable storage medium which stores computer instructions that, when executed by a processor, implement the steps of the node layout determination method.
  • the method and device for identifying abnormal transactions provided by the embodiments of the present application, after identifying abnormal transaction information, abnormal payment account information, and abnormal payment account information based on transaction data, the abnormal transaction information can be based on the abnormal payment account information and abnormal payment account information. Account information is further adjusted. Abnormal payment account information can be further adjusted based on abnormal transaction information and abnormal collection account information. At the same time, abnormal collection account information can also be further adjusted based on abnormal payment account information and abnormal transaction information, which can greatly Improve the recognition accuracy and coverage of abnormal transaction information, abnormal payment account information, and abnormal collection account information. In addition, the entire identification process can be automated and intelligently executed without manual involvement, which significantly improves timeliness and saves labor costs.
  • Fig. 1 shows a structural block diagram of a computing device provided by an embodiment of this specification
  • FIG. 2 shows a flowchart of an abnormal transaction identification method provided by an embodiment of this specification
  • FIG. 3 shows a flow chart of adjusting abnormal payment account information in the first abnormal transaction identification method provided by an embodiment of this specification
  • FIG. 4 shows a flow chart of adjusting abnormal payment account information in the second abnormal transaction identification method provided by an embodiment of this specification
  • FIG. 5 shows a flow chart of adjusting abnormal payment account information in a third method for identifying abnormal transactions provided by an embodiment of this specification
  • Fig. 6 shows a flow chart of adjusting abnormal payment account information in the fourth method for identifying abnormal transactions provided by an embodiment of the present specification
  • FIG. 7 shows a flowchart of adjusting abnormal transaction information in the first abnormal transaction identification method provided by an embodiment of this specification
  • FIG. 8 shows a flowchart of adjusting abnormal transaction information in the second abnormal transaction identification method provided by an embodiment of this specification
  • FIG. 9 shows a flow chart of adjusting abnormal transaction information in the third method for identifying abnormal transactions provided by an embodiment of this specification.
  • FIG. 10 shows a flowchart of adjusting abnormal payment account information in the first abnormal transaction identification method provided by an embodiment of this specification
  • FIG. 11 shows a flowchart of adjusting abnormal payment account information in the second abnormal transaction identification method provided by an embodiment of this specification
  • FIG. 12 shows a flowchart of adjusting abnormal payment account information in a third method for identifying abnormal transactions provided by an embodiment of the present specification
  • FIG. 13 shows a schematic structural diagram of an abnormal transaction identification device provided by an embodiment of this specification.
  • first, second, etc. may be used to describe various information in one or more embodiments of this specification, the information should not be limited to these terms. These terms are only used to distinguish the same type of information from each other.
  • the first may also be referred to as the second, and similarly, the second may also be referred to as the first.
  • word “if” as used herein can be interpreted as "when” or “when” or "in response to determination”.
  • This specification also relates to an abnormal transaction identification device, a computing device, and a computer-readable storage medium, which are described in detail in the following embodiments.
  • Fig. 1 shows a structural block diagram of a computing device 100 provided in an embodiment of this specification.
  • the components of the computing device 100 include but are not limited to a memory 110 and a processor 120.
  • the processor 120 and the memory 110 are connected through a bus 130, and the database 150 is used to store data.
  • the computing device 100 also includes an access device 140 that enables the computing device 100 to communicate via one or more networks 160.
  • networks include a public switched telephone network (PSTN), a local area network (LAN), a wide area network (WAN), a personal area network (PAN), or a combination of communication networks such as the Internet.
  • the access device 140 may include one or more of any type of wired or wireless network interface (for example, a network interface card (NIC)), such as IEEE802.11 wireless local area network (WLAN) wireless interface, global interconnection for microwave access ( Wi-MAX) interface, Ethernet interface, universal serial bus (USB) interface, cellular network interface, Bluetooth interface, near field communication (NFC) interface, etc.
  • NIC network interface card
  • the aforementioned components of the computing device 100 and other components not shown in FIG. 1 may also be connected to each other, for example, via a bus. It should be understood that the structural block diagram of the computing device shown in FIG. 1 is only for the purpose of example, and is not intended to limit the scope of this specification. Those skilled in the art can add or replace other components as needed.
  • the computing device 100 may be any type of stationary or mobile computing device, including mobile computers or mobile computing devices (for example, tablet computers, personal digital assistants, laptop computers, notebook computers, netbooks, etc.), mobile phones (for example, smart phones). ), wearable computing devices (for example, smart watches, smart glasses, etc.) or other types of mobile devices, or stationary computing devices such as desktop computers or PCs.
  • the computing device 100 may also be a mobile or stationary server.
  • FIG. 2 shows a flowchart of an abnormal transaction identification method according to an embodiment of the present specification, including step 202 to step 208.
  • Step 202 Identify abnormal transaction information, abnormal payment account information, and abnormal payment account information based on the transaction data according to the first preset rule.
  • Transaction data can be all transaction information in a specific application scenario within a certain period of time collected or directly obtained from a third party.
  • the transaction information can include not only the transaction amount, time, location, and account information, but also Information about the accounts involved in the transaction, such as the account of the funder of the transaction and the account of the payee.
  • the abnormal payment account information is attribute information of the abnormal payment account identified based on the transaction data based on preset rules, such as the abnormal payment account account number, and the probability of identifying the abnormal payment account corresponding to the abnormal payment account account.
  • the abnormal collection account information is the attribute information of the abnormal collection account identified based on the transaction data based on preset rules, such as the abnormal collection account account number, and the probability of identifying the abnormal collection account corresponding to the abnormal collection account account, etc. .
  • the first preset rule used to identify blog transaction information, abnormal payment account information, and abnormal payment account information can be adjusted according to the needs of the application scenario, and this application does not make specific content of the first preset rule. Strictly limit. For example, in the case of investigation, when the investigation police has determined that the place where the abnormal transaction occurred is a certain hotel, and the time is from 2 am to 4 am, all network IP addresses of the hotel can be retrieved at 2 am All transaction information involved up to 4 points, and treat these transaction information as abnormal transaction information. When the involved trading account repeatedly remits money to the same account, the trading account can be identified as an abnormal payment account; and when the involved trading account repeatedly receives money from multiple other trading accounts , The transaction account can be identified as abnormal collection account information.
  • abnormal transaction information, abnormal payment account information, and abnormal payment account information identified at this time may not be completely accurate, because the transaction data may also include normal transaction behaviors and normal transaction accounts; it may also be based on this article.
  • a preset rule Some abnormal transaction information, abnormal payment account information, and abnormal collection account information have not been identified. Therefore, the following steps are required to verify the identified abnormal transaction information, abnormal payment account information, and abnormal collection account information. Account information is adjusted.
  • the method for identifying abnormal transactions can be applied to various abnormal transaction identification scenarios.
  • the identification based on transaction data according to the first preset rule can be illegal transaction information, Illegal transaction payment account information and illegal transaction receipt information.
  • the information identified based on the transaction data according to the first preset rule may be cheating transaction information, cheating player information, and cheating payee information. This application does not strictly limit the specific application scenarios to which the method for identifying abnormal transactions is applicable.
  • Step 204 Adjust the abnormal payment account information based on the abnormal transaction information and the abnormal payment account information.
  • abnormal transaction information and abnormal payment account information it can help to determine whether the abnormal receiving account in the abnormal receiving account information is accurately identified, whether there is an innocent account that is mistakenly judged as an abnormal receiving account, and whether there is an abnormal receiving account Was missed.
  • Step 206 Adjust the abnormal transaction information based on the abnormal payment account information and the abnormal payment account information before or after the adjustment.
  • the abnormal payment account information and the abnormal collection account information can help determine whether the abnormal transaction in the abnormal transaction information is accurately identified, whether any innocent transactions are misjudged as abnormal transactions, and whether any abnormal transactions have been missed. Since the adjustment of the abnormal payment account information based on the abnormal payment account information and the abnormal payment account information is performed in real time, the abnormal payment account information referenced at this time may be adjusted based on step 204 before or after adjustment based on step 204.
  • Step 208 Adjust the abnormal payment account information based on the abnormal transaction information and abnormal payment account information before or after the adjustment.
  • the abnormal transaction information referenced at this time may be based on step 206 before the adjustment or after step 206 is adjusted.
  • the abnormal transaction identification method after the abnormal transaction information, the abnormal payment account information and the abnormal payment account information are identified based on the transaction data, the abnormal transaction information can be based on the abnormal payment account information and abnormal payment account information. Receiving account information is further adjusted. Abnormal payment account information can be further adjusted based on abnormal transaction information and abnormal receiving account information. At the same time, abnormal receiving account information can also be further adjusted based on abnormal payment account information and abnormal transaction information. It can greatly improve the recognition accuracy and coverage of abnormal transaction information, abnormal payment account information and abnormal collection account information. In addition, the entire identification process can be automated and intelligently executed without manual involvement, which significantly improves timeliness and saves labor costs.
  • the specific process of adjusting the abnormal collection account information based on the abnormal transaction information and the abnormal payment account information may include steps 302 to 306.
  • Step 302 Obtain all receiving accounts and all payment accounts participating in the transaction based on the transaction data, and acquire all abnormal payment accounts participating in the abnormal transaction based on the abnormal payment account information.
  • Step 304 When the proportion of all abnormal payment accounts in all payment accounts is greater than the first preset value, based on the abnormal receiving account information, obtain accounts that are not identified as abnormal receiving accounts among all receiving accounts participating in the transaction .
  • Step 306 Add the acquired account to the abnormal collection account information.
  • the specific process of adjusting the abnormal collection account information based on the abnormal transaction information and the abnormal payment account information may include steps 402 to 404.
  • Step 402 Obtain the abnormal payment account and the abnormal payment account participating in the abnormal transaction based on the abnormal payment account information and the abnormal payment account information.
  • Step 404 When the proportion of accounts that are also abnormal payment accounts among the abnormal payment accounts participating in the abnormal transaction is less than the second preset value, the abnormal payment account participating in the abnormal transaction is removed from the abnormal payment account information.
  • the general abnormal receiving account will also be used as the abnormal payment account at the same time.
  • the illegal transaction receiving account is sometimes rotated. Therefore, when the proportion of accounts that are also abnormal payment accounts among abnormal receiving accounts participating in abnormal transactions is less than the second preset value, it means that these abnormal transactions are probably not abnormal transactions, and therefore the abnormal receiving accounts participating in these abnormal transactions It may also be misidentified and needs to be removed from the abnormal collection account information to improve the accuracy of the identification of the abnormal collection account.
  • the specific process of adjusting the abnormal collection account information based on the abnormal transaction information and the abnormal payment account information may include steps 502 to 506.
  • Step 502 Obtain all transactions of the payee of the abnormal transaction based on the abnormal transaction information.
  • Step 504 When the proportion of abnormal transactions in all transactions is greater than the third preset value, it is determined whether the payee is in the abnormal receiving account information.
  • Step 506 When the payee is not in the abnormal receiving account information, add the account of the payee to the abnormal receiving account information.
  • the proportion of abnormal transactions in all transactions is greater than the third preset value, it means that other transactions may also be abnormal transactions and have not been identified based on the first preset rule. In this case, these can be considered as not being identified as abnormal transactions.
  • the account of the beneficiary of the abnormal receiving account adds the information of the abnormal receiving account to improve the recognition coverage of the abnormal receiving account.
  • the specific process of adjusting the abnormal collection account information based on the abnormal transaction information and the abnormal payment account information may include steps 602 to 604.
  • Step 602 Obtain the transaction in which the abnormal collection account participates based on the abnormal collection account information.
  • Step 604 Based on the abnormal transaction information, when the proportion of the transactions in which the abnormal collection account participates in the transactions identified as abnormal transactions is less than the fourth preset value, remove the abnormal collection account from the abnormal collection account information.
  • the abnormal collection account can be removed from the abnormal collection account information to improve the accuracy of the identification of the abnormal collection account.
  • the specific process of adjusting abnormal transaction information based on abnormal payment account information and abnormal payment account information before or after adjustment may include steps 702 to 704.
  • Step 702 Obtain personal information of the abnormal payment account based on the information of the abnormal payment account.
  • Step 704 Based on the second preset rule, when the abnormal payment account is judged to be a clean account based on the personal information of the abnormal payment account, remove the abnormal transaction that the abnormal payment account participates in from the abnormal transaction information.
  • the second preset rule can be adjusted according to actual application scenarios. For example, it can be found after the personal information of an abnormal payment account is retrieved that the abnormal payment account is an account that is unlikely to have the ability to pay large amounts, such as a minor Account, it means that the abnormal payment account may actually be an innocent account. At this time, the abnormal transaction that the abnormal payment account participates in can be removed from the abnormal transaction information to improve the accuracy of abnormal transaction identification.
  • the specific process of adjusting abnormal transaction information based on abnormal payment account information and abnormal payment account information before or after adjustment may include steps 802 to 804.
  • Step 802 Obtain the transaction that the abnormal receiving account participates in based on the abnormal receiving account information before or after the adjustment.
  • Step 804 Based on the abnormal transaction information, when the proportion of the transactions that the abnormal receiving account participates in is identified as abnormal transactions is greater than the fifth preset value, the transactions that are not identified as abnormal transactions among the transactions in which the abnormal receiving account participates Add abnormal transaction information.
  • the proportion of the transactions that the abnormal receiving account participates in that are identified as abnormal transactions is greater than the fifth preset value, it means that the transactions that are not identified as abnormal transactions among the transactions that the abnormal receiving account participates in are also likely to be abnormal transactions. At this time, these transactions that have not been identified as abnormal transactions can be added to the abnormal transaction information to improve the recognition coverage of abnormal transactions.
  • the specific process of adjusting abnormal transaction information based on abnormal payment account information and abnormal payment account information before or after adjustment may include steps 902 to 904.
  • Step 902 Obtain a payee who is not identified as an abnormal receiving account based on the transaction data and the abnormal receiving account information before or after the adjustment.
  • Step 904 Based on the abnormal transaction information, when it is determined that the proportion of all transactions of the payee that are identified as abnormal transactions is less than the sixth preset value, remove the transactions identified as abnormal transactions by the payee from the abnormal transaction information except.
  • the proportion of all transactions of the payee that are identified as abnormal transactions is less than the sixth preset value, it means that the payee should not be an abnormal beneficiary account, and the transaction that the payee has participated in should not be an abnormal transaction.
  • the transaction whose payee is identified as an abnormal transaction can be removed from the abnormal transaction information to improve the accuracy of the identification of abnormal transactions.
  • the specific process of adjusting abnormal payment account information based on abnormal transaction information and abnormal payment account information before or after adjustment may include steps 1002 to 1004.
  • Step 1002 Obtain all accounts that conduct transactions with the abnormal receiving account based on the transaction data and the abnormal receiving account information.
  • Step 1004 Based on the abnormal payment account information, when it is determined that the proportion of all accounts identified as abnormal payment accounts for transactions with abnormal receiving accounts is greater than the seventh preset value, all transactions with abnormal receiving accounts will be processed The abnormal payment account information is added to the accounts that are not identified as abnormal payment accounts.
  • the proportion of all accounts identified as abnormal payment accounts for transactions with abnormal receiving accounts is greater than the seventh preset value, it means that the transactions conducted by the abnormal receiving account are likely to be abnormal transactions, and those participating in these transactions The payment accounts are also likely to be abnormal payment accounts. At this time, the accounts that are not identified as abnormal payment accounts among all the accounts that transact with the abnormal receiving account can be added to the abnormal payment account information to improve the identification coverage of abnormal payment accounts. rate.
  • the specific process of adjusting abnormal payment account information based on abnormal transaction information and abnormal payment account information before or after adjustment may include steps 1102 to 1104.
  • Step 1102 Based on the transaction data and the abnormal transaction information before or after the adjustment, obtain a payment account whose participation abnormal transactions account for more than the eighth preset value in all participating transactions.
  • Step 1104 When the obtained payment account is not in the abnormal payment account information, add the obtained payment account to the abnormal payment account information.
  • the payment account When an abnormal transaction that a payment account participates in occupies a large part of all the transactions it participates in, the payment account is likely to be an abnormal payment account. At the same time, when the payment account is not in the abnormal payment account information, it means that the payment account has not been identified based on the first preset rule. At this time, the payment account can be added to the abnormal payment account information to improve the abnormal payment account’s Identify coverage.
  • the specific process of adjusting abnormal payment account information based on abnormal transaction information and abnormal payment account information before or after adjustment may include steps 1202 to 1204.
  • Step 1202 Based on the abnormal payment account information, obtain all transactions in which the abnormal payment account participates.
  • Step 1204 Based on the abnormal transaction information before or after the adjustment, when the proportion of all transactions that the abnormal payment account participates in is identified as abnormal transactions is less than the ninth preset value, remove the abnormal payment account from the abnormal payment account information except.
  • the proportion of all transactions that an abnormal payment account participates in that are identified as abnormal transactions is less than the ninth preset value, it means that the transactions that the abnormal payment account participates in may not be abnormal transactions, and the abnormal payment account is also misidentified. At this time, the abnormal payment account can be removed from the abnormal payment account information to improve the accuracy of identifying the abnormal payment account.
  • first preset value, second preset value, third preset value, fourth preset value, fifth preset value, The sixth preset value, the seventh preset value, the eighth preset value, and the ninth preset value can be set and adjusted according to actual scene requirements, and the specific size of these preset values is not limited in this application.
  • FIG. 13 shows a schematic structural diagram of an abnormal transaction identification device provided by an embodiment of this specification.
  • the abnormal transaction identification device 1300 includes: an identification module 1302 configured to identify abnormal transaction information, abnormal payment account information, and abnormal payment account information based on transaction data according to a first preset rule; a first adjustment module 1304, configured to adjust the abnormal payment account information based on the abnormal transaction information and the abnormal payment account information; the second adjustment module 1306, configured to adjust the abnormal transaction information based on the abnormal payment account information and the abnormal payment account information before or after the adjustment; And the third adjustment module 1308 is configured to adjust the abnormal payment account information based on the abnormal transaction information and abnormal payment account information before or after the adjustment.
  • the abnormal transaction identification device 1300 identifies abnormal transaction information, abnormal payment account information, and abnormal payment account information based on transaction data, and the abnormal transaction information can be based on the abnormal payment account information and The abnormal payment account information can be further adjusted.
  • the abnormal payment account information can be further adjusted based on the abnormal transaction information and abnormal payment account information.
  • the abnormal payment account information can also be further adjusted based on the abnormal payment account information and abnormal transaction information. This can greatly improve the recognition accuracy and coverage of abnormal transaction information, abnormal payment account information, and abnormal collection account information.
  • the entire identification process can be automated and intelligently executed without manual involvement, which significantly improves timeliness and saves labor costs.
  • the first adjustment module 1304 is further configured to: obtain all receiving accounts and all payment accounts participating in the transaction based on the transaction data, and obtain all abnormal payment accounts participating in the abnormal transaction based on the abnormal payment account information; When the proportion of abnormal payment accounts in all payment accounts is greater than the first preset value, based on the abnormal receiving account information, obtain accounts that are not identified as abnormal receiving accounts among all receiving accounts participating in the transaction; and Add the abnormal collection account information to your account.
  • the first adjustment module 1304 is further configured to: obtain the abnormal payment account and the abnormal payment account participating in the abnormal transaction based on the abnormal payment account information and the abnormal payment account information; When the proportion of accounts that are also abnormal payment accounts in the account is less than the second preset value, the abnormal receiving account that participates in the abnormal transaction is removed from the abnormal receiving account information.
  • the first adjustment module 1304 is further configured to: obtain all transactions of the payee of the abnormal transaction based on the abnormal transaction information; when the proportion of the abnormal transaction in all transactions is greater than the third preset value, Determine whether the payee is in the abnormal receiving account information; and when the payee is not in the abnormal receiving account information, add the payee's account to the abnormal receiving account information.
  • the first adjustment module 1304 is further configured to: obtain transactions in which the abnormal collection account participates based on the abnormal collection account information; and, based on the abnormal transaction information, when the abnormal collection account participates in the transaction is identified as When the proportion of abnormal transactions is less than the fourth preset value, the abnormal receiving account is removed from the abnormal receiving account information.
  • the second adjustment module 1306 is further configured to: obtain the personal information of the abnormal payment account based on the abnormal payment account information; and based on the second preset rule, when the abnormal payment account is determined based on the personal information of the abnormal payment account When the account is innocent, the abnormal transaction involved in the abnormal payment account is removed from the abnormal transaction information.
  • the second adjustment module 1306 is further configured to: obtain transactions in which the abnormal collection account participates based on the abnormal collection account information before or after the adjustment; and, based on the abnormal transaction information, when the abnormal collection account participates When the proportion of the transactions identified as abnormal transactions is greater than the fifth preset value, the transactions that are not recognized as abnormal transactions among the transactions participated by the abnormal collection account are added to the abnormal transaction information.
  • the second adjustment module 1306 is further configured to: obtain a payee who is not identified as an abnormal payment account based on the transaction data and the abnormal payment account information before or after the adjustment; and based on the abnormal transaction Information, when it is determined that the proportion of all transactions of the payee that are identified as abnormal transactions is less than the sixth preset value, the transactions that the payee is identified as abnormal transactions are removed from the abnormal transaction information.
  • the third adjustment module 1308 is further configured to: obtain all accounts that conduct transactions with the abnormal payment account based on the transaction data and the abnormal payment account information; based on the abnormal payment account information, when it is determined that the payment is related to the abnormal payment account, When the proportion of all accounts that are traded with the payment account that are identified as abnormal payment accounts is greater than the seventh preset value, the accounts that are not recognized as abnormal payment accounts among all the accounts that conduct transactions with the abnormal payment account will be added to the abnormal payment account information.
  • the third adjustment module 1308 is further configured to: based on the transaction data and abnormal transaction information, obtain a payment account whose participation in abnormal transactions accounted for greater than the eighth preset value among all participating transactions; and When the obtained payment account is not in the abnormal payment account information, the obtained payment account is added to the abnormal payment account information.
  • the third adjustment module 1308 is further configured to: obtain all transactions that the abnormal payment account participates in based on the abnormal payment account information; and based on the abnormal transaction information before or after the adjustment, when the abnormal payment account participates When the proportion of all transactions identified as abnormal transactions is less than the ninth preset value, the abnormal payment account is removed from the abnormal payment account information.
  • each module in the abnormal transaction identification device 1300 has been described in detail in the above abnormal transaction identification method, and therefore, repeated descriptions thereof will be omitted here.
  • An embodiment of the present specification also provides a computing device, including a memory, a processor, and computer instructions stored on the memory and capable of running on the processor, and the steps of the method for identifying abnormal transactions are implemented when the processor executes the instructions.
  • An embodiment of the present application also provides a computer-readable storage medium that stores computer instructions that, when executed by a processor, implement the steps of the aforementioned abnormal transaction identification method.
  • Computer instructions include computer program code, and the computer program code may be in the form of source code, object code, executable files, or some intermediate forms.
  • the computer-readable medium may include: any entity or device 1300 capable of carrying computer program code, recording medium, U disk, mobile hard disk, magnetic disk, optical disk, computer memory, read-only memory (ROM, Read-Only Memory), random memory Take memory (RAM, Random Access Memory), electrical carrier signal, telecommunications signal, and software distribution media, etc.
  • ROM Read-Only Memory
  • RAM Random Access Memory
  • electrical carrier signal telecommunications signal
  • software distribution media etc. It should be noted that the content contained in computer-readable media can be appropriately added or deleted in accordance with the requirements of the legislation and patent practice in the jurisdiction. For example, in some jurisdictions, according to the legislation and patent practice, computer-readable media does not include Electric carrier signal and telecommunications signal.

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Abstract

一种异常交易识别方法和装置，解决了现有异常交易识别方式的准确率低、覆盖度低、时效性差以及需要人力成本高的问题。该异常交易识别方法包括：根据第一预设规则基于交易数据识别出异常交易信息、异常支付账户信息和异常收款账户信息（202）；基于所述异常交易信息和所述异常支付账户信息调整所述异常收款账户信息（204）；基于所述异常支付账户信息和调整之前或之后的异常收款账户信息调整所述异常交易信息（206）；以及基于调整之前或之后的异常交易信息和所述异常收款账户信息调整所述异常支付账户信息（208）。

Description

异常交易识别方法和装置 技术领域
本说明书涉及数据处理技术领域，特别涉及一种异常交易识别方法。本说明书同时涉及一种异常交易识别装置，一种计算设备，以及一种计算机可读存储介质。
背景技术
银行对非银支付机构的监管，很重要的一个关切方面便是非银机构不能支持网络非法交易平台(包含网站和智能应用)的非法交易资金支付(或称入金、充值)。由于社会客观存在网络非法交易严重的问题，且网络支付体系可被利用的收单交易和转账支付类产品较多，资金通过各种渠道充入庄家收款账户的资金量很大。部署风险策略防控时，虽然策略体系准确度基本达到95％甚至99％的级别，但因为稽核量大，常有误稽核的现象发生；此外尚有很多较隐蔽的资金交易游离在防控之外，难于发现。在策略稽核和处罚持续放量、非法交易利用支付平台支付的合规风险持续高企的背景下，提升策略体系的识别准确率和覆盖度成为非法交易风险管理的核心痛点。
虽然现有技术中存在一些识别异常交易的方式，例如依赖于用户投诉的事后打击，如果阈值设定为投诉足够多、来源足够分散，准确率接近100％，但是时效性较差。此外，还可采用钓鱼方式模拟用户去相关平台和智能应用下单，准确率为100％，但是容易被黑产攻防、技术方面搭建及运维成本较大，并且需要耗费较大的审理人力资源。
发明内容
有鉴于此，本说明书实施例提供了一种异常交易识别方法。本说明书同时涉及一种异常交易识别装置，一种计算设备，以及一种计算机可读存储介质，以解决现有技术中存在的技术缺陷。
根据本说明书实施例的第一方面，提供了一种异常交易识别方法包括：根据第一预设规则基于交易数据识别出异常交易信息、异常支付账户信息和异常收款账户信息；基于所述异常交易信息和所述异常支付账户信息调整所述异常收款账户信息；基于所述异常支付账户信息以及调整之前或之后的异常收款账户信息调整所述异常交易信息；以及基于调整之前或之后的异常交易信息和所述异常收款账户信息调整所述异常支付账户信息。
根据本说明书实施例的第二方面，提供了一种异常交易识别装置包括：识别模块，配置为根据第一预设规则基于交易数据识别出异常交易信息、异常支付账户信息和异常收款账户信息；第一调整模块，配置为基于所述异常交易信息和所述异常支付账户信息调整所述异常收款账户信息；第二调整模块，配置为基于所述异常支付账户信息以及调整之前或之后的异常收款账户信息调整所述异常交易信息；以及第三调整模块，配置为基于调整之前或之后的异常交易信息和所述异常收款账户信息调整所述异常支付账户信息。
根据本说明书实施例的第三方面，提供了一种计算设备，包括存储器、处理器及存储在存储器上并可在处理器上运行的计算机指令，所述处理器执行所述指令时实现所述节点布局确定方法的步骤。
根据本说明书实施例的第四方面，提供了一种计算机可读存储介质，其存储有计算机指令，该指令被处理器执行时实现所述节点布局确定方法的步骤。
本申请实施例提供的一种异常交易识别方法和装置，在基于交易数据识别出异常交易信息、异常支付账户信息和异常收款账户信息后，异常交易信息可根据异常支付账户信息和异常收款账户信息进行进一步调整，异常支付账户信息可根据异常交易信息和异常收款账户信息进行进一步调整，同时异常收款账户信息也可根据异常支付账户信息和异常交易信息进行进一步调整，由此可大大提高异常交易信息、异常支付账户信息和异常收款账户信息的识别准确率和覆盖度。此外，整个识别过程可自动化智能执行，并不需要人工参与，由此也显著提高了时效性，节省了人力成本。
附图说明
图1示出了本说明书一实施例提供的计算设备的结构框图；
图2示出了本说明书一实施例提供的一种异常交易识别方法的流程图；
图3示出了本说明书一实施例提供的第一种异常交易识别方法中调整异常收款账户信息的流程图；
图4示出了本说明书一实施例提供的第二种异常交易识别方法中调整异常收款账户信息的流程图；
图5示出了本说明书一实施例提供的第三种异常交易识别方法中调整异常收款账户信息的流程图；
图6示出了本说明书一实施例提供的第四种异常交易识别方法中调整异常收款账户信息的流程图；
图7示出了本说明书一实施例提供的第一种异常交易识别方法中调整异常交易信息的流程图；
图8示出了本说明书一实施例提供的第二种异常交易识别方法中调整异常交易信息的流程图；
图9示出了本说明书一实施例提供的第三种异常交易识别方法中调整异常交易信息的流程图；
图10示出了本说明书一实施例提供的第一种异常交易识别方法中调整异常支付账户信息的流程图；
图11示出了本说明书一实施例提供的第二种异常交易识别方法中调整异常支付账户信息的流程图；
图12示出了本说明书一实施例提供的第三种异常交易识别方法中调整异常支付账户信息的流程图；
图13示出了本说明书一实施例提供的一种异常交易识别装置的结构示意图。
具体实施方式
在下面的描述中阐述了很多具体细节以便于充分理解本申请。但是本申请能够以很多不同于在此描述的其它方式来实施，本领域技术人员可以在不违背本申请内涵的情况下做类似推广，因此本申请不受下面公开的具体实施的限制。
在本说明书一个或多个实施例中使用的术语是仅仅出于描述特定实施例的目的，而非旨在限制本说明书一个或多个实施例。在本说明书一个或多个实施例和所附权利要求书中所使用的单数形式的“一种”、“所述”和“该”也旨在包括多数形式，除非上下文清楚地表示其他含义。还应当理解，本说明书一个或多个实施例中使用的术语“和/或”是指并包含一个或多个相关联的列出项目的任何或所有可能组合。
应当理解，尽管在本说明书一个或多个实施例中可能采用术语第一、第二等来描述各种信息，但这些信息不应限于这些术语。这些术语仅用来将同一类型的信息彼此区分开。例如，在不脱离本说明书一个或多个实施例范围的情况下，第一也可以被称为第二， 类似地，第二也可以被称为第一。取决于语境，如在此所使用的词语“如果”可以被解释成为“在……时”或“当……时”或“响应于确定”。
在本申请中，提供了一种异常交易识别方法。本说明书同时涉及一种异常交易识别装置，一种计算设备，以及一种计算机可读存储介质，在下面的实施例中逐一进行详细说明。
图1示出了本说明书一实施例提供的计算设备100的结构框图。该计算设备100的部件包括但不限于存储器110和处理器120。处理器120与存储器110通过总线130相连接，数据库150用于保存数据。
计算设备100还包括接入设备140，接入设备140使得计算设备100能够经由一个或多个网络160通信。这些网络的示例包括公用交换电话网(PSTN)、局域网(LAN)、广域网(WAN)、个域网(PAN)或诸如因特网的通信网络的组合。接入设备140可以包括有线或无线的任何类型的网络接口(例如，网络接口卡(NIC))中的一个或多个，诸如IEEE802.11无线局域网(WLAN)无线接口、全球微波互联接入(Wi-MAX)接口、以太网接口、通用串行总线(USB)接口、蜂窝网络接口、蓝牙接口、近场通信(NFC)接口等等。
在本说明书的一个实施例中，计算设备100的上述部件以及图1中未示出的其他部件也可以彼此相连接，例如通过总线。应当理解，图1所示的计算设备结构框图仅仅是出于示例的目的，而不是对本说明书范围的限制。本领域技术人员可以根据需要，增添或替换其他部件。
计算设备100可以是任何类型的静止或移动计算设备，包括移动计算机或移动计算设备(例如，平板计算机、个人数字助理、膝上型计算机、笔记本计算机、上网本等)、移动电话(例如，智能手机)、可佩戴的计算设备(例如，智能手表、智能眼镜等)或其他类型的移动设备，或者诸如台式计算机或PC的静止计算设备。计算设备100还可以是移动式或静止式的服务器。
其中，处理器120可以执行图2所示异常交易识别方法中的步骤。图2示出了根据本说明书一实施例的异常交易识别方法的流程图，包括步骤202至步骤208。
本申请实施例的节点布局确定方法包括：
步骤202：根据第一预设规则基于交易数据识别出异常交易信息、异常支付账户信息和异常收款账户信息。
交易数据可为采集到的或直接从第三方获取的某一时间段内特定应用场景下的所有交易信息，该交易信息中不仅可包括交易的金额、时间、地点和账户等信息，还可包括交易的出资方的账户和收款方的账户等参与交易的账户信息。异常支付账户信息为基于预设规则根据交易数据识别出的异常支付账户的属性信息，例如异常支付账户账号、以及与该异常支付账户账号对应的识别为异常支付账户的概率等。异常收款账户信息为基于预设规则根据交易数据识别出的异常收款账户的属性信息，例如异常收款账户账号、以及与该异常收款账户账号对应的识别为异常收款账户的概率等。
应当理解，用于识别博交易信息、异常支付账户信息和异常收款账户信息的第一预设规则可根据应用场景的需求而调整，本申请对该第一预设规则的具体内容并不做严格限定。例如，在经侦办案场景下，当经侦警察已经确定异常交易发生的地点为某座酒店，时间为凌晨2点至4点时，即可调取该酒店的所有网络IP地址在凌晨2点至4点涉及到的所有交易信息，并将这些交易信息作为异常交易信息。当涉及到的交易账户出现反复向同一账户汇款的交易行为时，则可将该交易账户识别为异常支付账户；而当涉及到的交易账户出现反复从多个其他交易账户收款的交易行为时，则可将该交易账户识别为异常收款账户信息。然而，此时所识别出的异常交易信息、异常支付账户信息和异常收款账户信息可能并不是完全准确的，因为交易数据中也可能会包括正常交易行为和正常交易账户；也有可能基于该第一预设规则，有一些异常交易信息、异常支付账户信息和异常收款账户信息并没有被识别出来，因此需要通过后续的步骤来对识别出的异常交易信息、异常支付账户信息和异常收款账户信息进行调整。
应当理解，本申请实施例所提供的异常交易识别方法可适用于各种异常交易识别场景，例如对于非法交易识别场景，根据第一预设规则基于交易数据识别出的就可为非法交易信息、非法交易支付账户信息和非法交易收款信息。而在反作弊识别场景下，根据第一预设规则基于交易数据识别出的就可为作弊交易信息、作弊玩家信息和作弊收款方信息。本申请对该异常交易识别方法所适用的具体应用场景并不做严格限定。
步骤204：基于异常交易信息和异常支付账户信息调整异常收款账户信息。
基于异常交易信息和异常支付账户信息可有助于判断异常收款账户信息中的异常收款账户是否识别准确，是否有清白的账户被误判为异常收款账户，以及是否有异常收款账户被漏掉。
步骤206：基于异常支付账户信息和调整之前或之后的异常收款账户信息调整异常交易信息。
基于异常支付账户信息和异常收款账户信息可有助于判断异常交易信息中的异常交易是否识别准确，是否有清白的交易被误判为异常交易，以及是否有异常交易被漏掉。由于基于异常支付账户信息和异常收款账户信息对于异常收款账户信息的调整是实时进行的，因此此时参考的异常支付账户信息可能是基于步骤204调整之前或基于步骤204调整之后的。
步骤208：基于调整之前或调整之后的异常交易信息和异常收款账户信息调整异常支付账户信息。
基于异常交易信息和异常收款账户信息可有助于判断异常支付账户信息中的异常支付账户是否识别准确，是否有清白的账户被误判为异常支付账户，以及是否有异常支付账户被漏掉。由于基于异常交易信息和异常收款账户信息对于异常支付账户信息的调整是实时进行的，因此此时参考的异常交易信息可能是基于步骤206调整之前或基于步骤206调整之后的。
由此可见，本申请实施例提供的一种异常交易识别方法，在基于交易数据识别出异常交易信息、异常支付账户信息和异常收款账户信息后，异常交易信息可根据异常支付账户信息和异常收款账户信息进行进一步调整，异常支付账户信息可根据异常交易信息和异常收款账户信息进行进一步调整，同时异常收款账户信息也可根据异常支付账户信息和异常交易信息进行进一步调整，由此可大大提高异常交易信息、异常支付账户信息和异常收款账户信息的识别准确率和覆盖度。此外，整个识别过程可自动化智能执行，并不需要人工参与，由此也显著提高了时效性，节省了人力成本。
一个可选的实施例中，如图3所示，基于异常交易信息和异常支付账户信息调整异常收款账户信息的具体过程可包括步骤302至306。
步骤302：基于交易数据获取参与交易的所有收款账户和所有支付账户，基于异常支付账户信息获取参与异常交易的所有异常支付账户。
步骤304：当所有异常支付账户在所有支付账户中的占比大于第一预设值时，基于异常收款账户信息，获取参与交易的所有收款账户中未被识别为异常收款账户的账户。
步骤306：将所获取的账户加入异常收款账户信息。
当异常支付账户在所有支付账户中的占比大于第一预设值时，说明很有可能这些交易都是异常交易，此时可将参与交易的没有被识别为异常收款账户的账户都算作异常收款账户，并加入异常收款账户信息，从而提高异常收款账户的识别覆盖率。
一个可选的实施例中，如图4所示，基于异常交易信息和异常支付账户信息调整异常收款账户信息的具体过程可包括步骤402至404。
步骤402：基于异常收款账户信息和异常支付账户信息获取参与异常交易的异常收款账户和异常支付账户。
步骤404：当参与异常交易的异常收款账户中同时为异常支付账户的账户占比小于第二预设值时，将参与异常交易的异常收款账户从异常收款账户信息中移除。
由于在一些异常交易中，一般异常收款账户同时也会作为异常支付账户。例如在非法交易场景中，非法交易收款账户有时是轮换的。因此，当参与异常交易的异常收款账户中同时为异常支付账户的账户占比小于第二预设值时，说明这些异常交易很可能并不是异常交易，因而参与这些异常交易的异常收款账户也可能是误识别，需要从异常收款账户信息中移除，以提高异常收款账户识别的准确性。
一个可选的实施例中，如图5所示，基于异常交易信息和异常支付账户信息调整异常收款账户信息的具体过程可包括步骤502至506。
步骤502：基于异常交易信息获取异常交易的收款方的所有交易。
步骤504：当异常交易在所有交易中的占比大于第三预设值时，判断收款方是否在异常收款账户信息中。
步骤506：当收款方并未在异常收款账户信息中时，将收款方的账户加入异常收款账户信息。
当异常交易在所有交易中的占比大于第三预设值时，说明其他的交易也可能是异常交易，而并未基于第一预设规则被识别出来，此时可将这些没有被识别为异常收款账户的收款方的账户加入异常收款账户信息，以提高异常收款账户的识别覆盖率。
一个可选的实施例中，如图6所示，基于异常交易信息和异常支付账户信息调整异常收款账户信息的具体过程可包括步骤602至604。
步骤602：基于异常收款账户信息获取异常收款账户参与的交易。
步骤604：基于异常交易信息，当异常收款账户参与的交易中被识别为异常交易的占比小于第四预设值时，将异常收款账户从异常收款账户信息中移除。
当异常收款账户参与的交易中被识别为异常交易的占比小于第四预设值时，说明该异常收款账户很可能并不是异常收款账户，而是被误识别出来的，此时可将该异常收款 账户从异常收款账户信息中移除，以提高异常收款账户的识别准确率。
一个可选的实施例中，如图7所示，基于异常支付账户信息和调整之前或调整之后的异常收款账户信息调整异常交易信息的具体过程可包括步骤702至704。
步骤702：基于异常支付账户信息获取异常支付账户的个人信息。
步骤704：基于第二预设规则，当根据异常支付账户的个人信息判断异常支付账户为清白账户时，将异常支付账户参与的异常交易从异常交易信息中移除。
应当理解，第二预设规则可根据实际应用场景而调整，例如可当在调取异常支付账户的个人信息后发现，该异常支付账户为不可能具备大额支付能力的账户时，例如未成年账户，则说明该异常支付账户实际上很可能为清白账户，此时可将该异常支付账户参与的异常交易从异常交易信息中移除，以提高异常交易识别的准确率。
一个可选的实施例中，如图8所示，基于异常支付账户信息和调整之前或调整之后的异常收款账户信息调整异常交易信息的具体过程可包括步骤802至804。
步骤802：基于调整之前或调整之后的异常收款账户信息获取异常收款账户参与的交易。
步骤804：基于异常交易信息，当异常收款账户参与的交易中被识别为异常交易的占比大于第五预设值时，将异常收款账户参与的交易中未被识别为异常交易的交易加入异常交易信息。
当异常收款账户参与的交易中被识别为异常交易的占比大于第五预设值时，说明该异常收款账户参与的交易中未被识别为异常交易的交易也很可能是异常交易，此时便可将这些未被识别为异常交易的交易加入异常交易信息，以提高异常交易的识别覆盖率。
一个可选的实施例中，如图9所示，基于异常支付账户信息和调整之前或调整之后的异常收款账户信息调整异常交易信息的具体过程可包括步骤902至904。
步骤902：基于交易数据和调整之前或调整之后的异常收款账户信息获取未被识别为异常收款账户的收款方。
步骤904：基于异常交易信息，当判断为收款方的所有交易中识别为异常交易的占比小于第六预设值时，将收款方被识别为异常交易的交易从异常交易信息中移除。
当收款方的所有交易中识别为异常交易的占比小于第六预设值时，说明该收款方应当并不是异常收款账户，该收款方所参与的交易也应当不是异常交易。此时可将收款方 被识别为异常交易的交易从异常交易信息中移除，以提高异常交易的识别准确性。
一个可选的实施例中，如图10所示，基于调整之前或调整之后的异常交易信息和异常收款账户信息调整异常支付账户信息的具体过程可包括步骤1002至1004。
步骤1002：基于交易数据和异常收款账户信息获取与异常收款账户进行交易的所有账户。
步骤1004：基于异常支付账户信息，当判断为与异常收款账户进行交易的所有账户中被识别为异常支付账户的占比大于第七预设值时，将与异常收款账户进行交易的所有账户中未被识别为异常支付账户的账户加入异常支付账户信息。
当与异常收款账户进行交易的所有账户中被识别为异常支付账户的占比大于第七预设值时，说明该异常收款账户进行的交易很可能都是异常交易，而参与这些交易的支付账户也很可能都是异常支付账户，此时可将与与异常收款账户进行交易的所有账户中未被识别为异常支付账户的账户加入异常支付账户信息，以提高异常支付账户的识别覆盖率。
一个可选的实施例中，如图11所示，基于调整之前或调整之后的异常交易信息和异常收款账户信息调整异常支付账户信息的具体过程可包括步骤1102至1104。
步骤1102：基于交易数据和调整之前或调整之后的异常交易信息，获取参与的异常交易在参与的所有交易中占比大于第八预设值的支付账户。
步骤1104：当所获取的支付账户并未在异常支付账户信息中时，将所获取的支付账户加入异常支付账户信息。
当一个支付账户参与的异常交易占据其参与的所有交易的很大部分时，该支付账户很有可能是异常支付账户。同时当该支付账户并未在异常支付账户信息中时，说明该支付账户并未基于第一预设规则被识别出来，此时可将该支付账户加入异常支付账户信息，以提高异常支付账户的识别覆盖率。
一个可选的实施例中，如图12所示，基于调整之前或调整之后的异常交易信息和异常收款账户信息调整异常支付账户信息的具体过程可包括步骤1202至1204。
步骤1202：基于异常支付账户信息，获取异常支付账户所参与的所有交易。
步骤1204：基于调整之前或调整之后的异常交易信息，当异常支付账户参与的所有交易中被识别为异常交易的占比小于第九预设值时，将异常支付账户从异常支付账户信 息中移除。
当异常支付账户参与的所有交易中被识别为异常交易的占比小于第九预设值时，说明该异常支付账户所参与的交易可能并不是异常交易，且该异常支付账户也存在误识别，此时可将该异常支付账户从异常支付账户信息中移除，以提高异常支付账户的识别准确性。
应当理解，上述图3至图12实施例所示的调整过程中所涉及的第一预设值、第二预设值、第三预设值、第四预设值、第五预设值、第六预设值、第七预设值、第八预设值和第九预设值可根据实际场景的需求而设定和调整，本申请对这些预设值的具体大小并不做限定。
还应当理解，上述图3至图12实施例所示的调整过程实际上是可以任意组合的。在本申请一实施例中，也可以同时实现上述图3至图12实施例所示的所有调整过程，从而实现异常交易信息、异常支付账户信息和异常收款账户信息的彼此互相参考和互相调整，以进一步提供异常交易识别的准确率和覆盖率。
与上述方法实施例相对应，本说明书还提供了异常交易识别装置实施例，图13示出了本说明书一实施例提供的一种异常交易识别装置的结构示意图。如图13所示，该异常交易识别装置1300包括：识别模块1302，配置为根据第一预设规则基于交易数据识别出异常交易信息、异常支付账户信息和异常收款账户信息；第一调整模块1304，配置为基于异常交易信息和异常支付账户信息调整异常收款账户信息；第二调整模块1306，配置为基于异常支付账户信息和调整之前或调整之后的异常收款账户信息调整异常交易信息；以及第三调整模块1308，配置为基于调整之前或调整之后的异常交易信息和异常收款账户信息调整异常支付账户信息。
由此可见，本申请实施例提供的一种异常交易识别装置1300，在基于交易数据识别出异常交易信息、异常支付账户信息和异常收款账户信息后，异常交易信息可根据异常支付账户信息和异常收款账户信息进行进一步调整，异常支付账户信息可根据异常交易信息和异常收款账户信息进行进一步调整，同时异常收款账户信息也可根据异常支付账户信息和异常交易信息进行进一步调整，由此可大大提高异常交易信息、异常支付账户信息和异常收款账户信息的识别准确率和覆盖度。此外，整个识别过程可自动化智能执行，并不需要人工参与，由此也显著提高了时效性，节省了人力成本。
一个可选的实施例中，第一调整模块1304进一步配置为：基于交易数据获取参与交 易的所有收款账户和所有支付账户，基于异常支付账户信息获取参与异常交易的所有异常支付账户；当所有异常支付账户在所有支付账户中的占比大于第一预设值时，基于异常收款账户信息，获取参与交易的所有收款账户中未被识别为异常收款账户的账户；以及将所获取的账户加入异常收款账户信息。
一个可选的实施例中，第一调整模块1304进一步配置为：基于异常收款账户信息和异常支付账户信息获取参与异常交易的异常收款账户和异常支付账户；当参与异常交易的异常收款账户中同时为异常支付账户的账户占比小于第二预设值时，将参与异常交易的异常收款账户从异常收款账户信息中移除。
一个可选的实施例中，第一调整模块1304进一步配置为：基于异常交易信息获取异常交易的收款方的所有交易；当异常交易在所有交易中的占比大于第三预设值时，判断收款方是否在异常收款账户信息中；以及当收款方并未在异常收款账户信息中时，将收款方的账户加入异常收款账户信息。
一个可选的实施例中，第一调整模块1304进一步配置为：基于异常收款账户信息获取异常收款账户参与的交易；以及基于异常交易信息，当异常收款账户参与的交易中被识别为异常交易的占比小于第四预设值时，将异常收款账户从异常收款账户信息中移除。
一个可选的实施例中，第二调整模块1306进一步配置为：基于异常支付账户信息获取异常支付账户的个人信息；以及基于第二预设规则，当根据异常支付账户的个人信息判断异常支付账户为清白账户时，将异常支付账户参与的异常交易从异常交易信息中移除。
一个可选的实施例中，第二调整模块1306进一步配置为：基于调整之前或调整之后的异常收款账户信息获取异常收款账户参与的交易；以及基于异常交易信息，当异常收款账户参与的交易中被识别为异常交易的占比大于第五预设值时，将异常收款账户参与的交易中未被识别为异常交易的交易加入异常交易信息。
一个可选的实施例中，第二调整模块1306进一步配置为：基于交易数据和调整之前或调整之后的异常收款账户信息获取未被识别为异常收款账户的收款方；以及基于异常交易信息，当判断为收款方的所有交易中识别为异常交易的占比小于第六预设值时，将收款方被识别为异常交易的交易从异常交易信息中移除。
一个可选的实施例中，第三调整模块1308进一步配置为：基于交易数据和异常收款账户信息获取与异常收款账户进行交易的所有账户；基于异常支付账户信息，当判断为 与异常收款账户进行交易的所有账户中被识别为异常支付账户的占比大于第七预设值时，将与异常收款账户进行交易的所有账户中未被识别为异常支付账户的账户加入异常支付账户信息。
一个可选的实施例中，第三调整模块1308进一步配置为：基于交易数据和异常交易信息，获取参与的异常交易在参与的所有交易中占比大于第八预设值的支付账户；以及当所获取的支付账户并未在异常支付账户信息中时，将所获取的支付账户加入异常支付账户信息。
一个可选的实施例中，第三调整模块1308进一步配置为：基于异常支付账户信息，获取异常支付账户所参与的所有交易；以及基于调整之前或调整之后的异常交易信息，当异常支付账户参与的所有交易中被识别为异常交易的占比小于第九预设值时，将异常支付账户从异常支付账户信息中移除。
上述异常交易识别装置1300中的各个模块的具体功能和操作已经在上面的异常交易识别方法中进行了详细介绍，因此，这里将省略其重复描述。
本说明书一实施例中还提供一种计算设备，包括存储器、处理器及存储在存储器上并可在处理器上运行的计算机指令，处理器执行指令时实现的异常交易识别方法的步骤。
本申请一实施例还提供一种计算机可读存储介质，其存储有计算机指令，该指令被处理器执行时实现如前异常交易识别方法的步骤。
上述为本实施例的一种计算机可读存储介质的示意性方案。需要说明的是，该存储介质的技术方案与上述的异常交易识别方法的技术方案属于同一构思，存储介质的技术方案未详细描述的细节内容，均可以参见上述异常交易识别方法的技术方案的描述。
上述对本说明书特定实施例进行了描述。其它实施例在所附权利要求书的范围内。在一些情况下，在权利要求书中记载的动作或步骤可以按照不同于实施例中的顺序来执行并且仍然可以实现期望的结果。另外，在附图中描绘的过程不一定要求示出的特定顺序或者连续顺序才能实现期望的结果。在某些实施方式中，多任务处理和并行处理也是可以的或者可能是有利的。
计算机指令包括计算机程序代码，计算机程序代码可以为源代码形式、对象代码形式、可执行文件或某些中间形式等。计算机可读介质可以包括：能够携带计算机程序代码的任何实体或装置1300、记录介质、U盘、移动硬盘、磁碟、光盘、计算机存储 器、只读存储器(ROM，Read-Only Memory)、随机存取存储器(RAM，Random Access Memory)、电载波信号、电信信号以及软件分发介质等。需要说明的是，计算机可读介质包含的内容可以根据司法管辖区内立法和专利实践的要求进行适当的增减，例如在某些司法管辖区，根据立法和专利实践，计算机可读介质不包括电载波信号和电信信号。
需要说明的是，对于前述的各方法实施例，为了简便描述，故将其都表述为一系列的动作组合，但是本领域技术人员应该知悉，本申请并不受所描述的动作顺序的限制，因为依据本申请，某些步骤可以采用其它顺序或者同时进行。其次，本领域技术人员也应该知悉，说明书中所描述的实施例均属于优选实施例，所涉及的动作和模块并不一定都是本申请所必须的。
在上述实施例中，对各个实施例的描述都各有侧重，某个实施例中没有详述的部分，可以参见其它实施例的相关描述。
以上公开的本申请优选实施例只是用于帮助阐述本申请。可选实施例并没有详尽叙述所有的细节，也不限制该申请仅为所述的具体实施方式。显然，根据本说明书的内容，可作很多的修改和变化。本说明书选取并具体描述这些实施例，是为了更好地解释本申请的原理和实际应用，从而使所属技术领域技术人员能很好地理解和利用本申请。本申请仅受权利要求书及其全部范围和等效物的限制。

Claims (24)

  1. 一种异常交易识别方法，其特征在于，包括：
    根据第一预设规则基于交易数据识别出异常交易信息、异常支付账户信息和异常收款账户信息；
    基于所述异常交易信息和所述异常支付账户信息调整所述异常收款账户信息；
    基于所述异常支付账户信息以及调整之前或之后的异常收款账户信息调整所述异常交易信息；以及
    基于调整之前或之后的异常交易信息和所述异常收款账户信息调整所述异常支付账户信息。
  2. 根据权利要求1所述的方法，其特征在于，所述基于所述异常交易信息和所述异常支付账户信息调整所述异常收款账户信息包括：
    基于所述交易数据获取参与交易的所有收款账户和所有支付账户，基于所述异常支付账户信息获取参与异常交易的所有异常支付账户；
    当所述所有异常支付账户在所述所有支付账户中的占比大于第一预设值时，基于所述异常收款账户信息，获取参与交易的所有收款账户中未被识别为异常收款账户的账户；以及
    将所获取的账户加入所述异常收款账户信息。
  3. 根据权利要求1所述的方法，其特征在于，所述基于所述异常交易信息和所述异常支付账户信息调整所述异常收款账户信息包括：
    基于所述异常收款账户信息和所述异常支付账户信息获取参与异常交易的异常收款账户和异常支付账户；
    当所述参与异常交易的异常收款账户中同时为所述异常支付账户的账户占比小于第二预设值时，将参与所述异常交易的所述异常收款账户从所述异常收款账户信息中移除。
  4. 根据权利要求1所述的方法，其特征在于，所述基于所述异常交易信息和所述异常支付账户信息调整所述异常收款账户信息包括：
    基于所述异常交易信息获取异常交易的收款方的所有交易；
    当所述异常交易在所述所有交易中的占比大于第三预设值时，判断所述收款方是否在所述异常收款账户信息中；以及
    当所述收款方并未在所述异常收款账户信息中时，将所述收款方的账户加入所述异常收款账户信息。
  5. 根据权利要求1所述的方法，其特征在于，所述基于所述异常交易信息和所述异常支付账户信息调整所述异常收款账户信息包括：
    基于所述异常收款账户信息获取异常收款账户参与的交易；以及
    基于所述异常交易信息，当所述异常收款账户参与的交易中被识别为异常交易的占比小于第四预设值时，将所述异常收款账户从所述异常收款账户信息中移除。
  6. 根据权利要求1所述的方法，其特征在于，所述基于所述异常支付账户信息以及调整之前或之后的异常收款账户信息调整所述异常交易信息包括：
    基于所述异常支付账户信息获取异常支付账户的个人信息；以及
    基于第二预设规则，当根据所述异常支付账户的个人信息判断所述异常支付账户为清白账户时，将所述异常支付账户参与的异常交易从所述异常交易信息中移除。
  7. 根据权利要求1所述的方法，其特征在于，所述基于所述异常支付账户信息以及调整之前或之后的异常收款账户信息调整所述异常交易信息包括：
    基于所述调整之前或之后的异常收款账户信息获取异常收款账户参与的交易；以及
    基于所述异常交易信息，当所述异常收款账户参与的交易中被识别为异常交易的占比大于第五预设值时，将所述异常收款账户参与的交易中未被识别为异常交易的交易加入所述异常交易信息。
  8. 根据权利要求1所述的方法，其特征在于，所述基于所述异常支付账户信息调整之前或之后的异常收款账户信息调整所述异常交易信息包括：
    基于交易数据和所述调整之前或之后的异常收款账户信息获取未被识别为异常收款账户的收款方；以及
    基于所述异常交易信息，当判断为所述收款方的所有交易中识别为异常交易的占比小于第六预设值时，将所述收款方被识别为异常交易的交易从所述异常交易信息中移除。
  9. 根据权利要求1所述的方法，其特征在于，所述基于所述调整之前或之后的异常交易信息和所述异常收款账户信息调整所述异常支付账户信息包括：
    基于交易数据和所述异常收款账户信息获取与异常收款账户进行交易的所有账户；
    基于异常支付账户信息，当判断为与异常收款账户进行交易的所有账户中被识别为异常支付账户的占比大于第七预设值时，将与异常收款账户进行交易的所有账户中未被识别为异常支付账户的账户加入所述异常支付账户信息。
  10. 根据权利要求1所述的方法，其特征在于，所述基于所述调整之前或之后的异常交易信息和所述异常收款账户信息调整所述异常支付账户信息包括：
    基于交易数据和所述调整之前或之后的异常交易信息，获取参与的异常交易在参与 的所有交易中占比大于第八预设值的支付账户；以及
    当所获取的支付账户并未在所述异常支付账户信息中时，将所获取的支付账户加入所述异常支付账户信息。
  11. 根据权利要求1所述的方法，其特征在于，所述基于所述调整之前或之后的异常交易信息和所述异常收款账户信息调整所述异常支付账户信息包括：
    基于所述异常支付账户信息，获取异常支付账户所参与的所有交易；以及
    基于所述调整之前或之后的异常交易信息，当所述异常支付账户所述参与的所有交易中被识别为异常交易的占比小于第九预设值时，将所述异常支付账户从所述异常支付账户信息中移除。
  12. 一种异常交易识别装置，其特征在于，包括：
    识别模块，配置为根据第一预设规则基于交易数据识别出异常交易信息、异常支付账户信息和异常收款账户信息；
    第一调整模块，配置为基于所述异常交易信息和所述异常支付账户信息调整所述异常收款账户信息；
    第二调整模块，配置为基于所述异常支付账户信息以及调整之前或之后的异常收款账户信息调整所述异常交易信息；以及
    第三调整模块，配置为基于调整之前或之后的异常交易信息和所述异常收款账户信息调整所述异常支付账户信息。
  13. 根据权利要求12所述的装置，其特征在于，所述第一调整模块进一步配置为：
    基于所述交易数据获取参与交易的所有收款账户和所有支付账户，基于所述异常支付账户信息获取参与异常交易的所有异常支付账户；
    当所述所有异常支付账户在所述所有支付账户中的占比大于第一预设值时，基于所述异常收款账户信息，获取参与交易的所有收款账户中未被识别为异常收款账户的账户；以及
    将所获取的账户加入所述异常收款账户信息。
  14. 根据权利要求12所述的装置，其特征在于，所述第一调整模块进一步配置为：
    基于所述异常收款账户信息和所述异常支付账户信息获取参与异常交易的异常收款账户和异常支付账户；
    当所述参与异常交易的异常收款账户中同时为所述异常支付账户的账户占比小于第二预设值时，将参与所述异常交易的所述异常收款账户从所述异常收款账户信息中移除。
  15. 根据权利要求12所述的装置，其特征在于，所述第一调整模块进一步配置为：
    基于所述异常交易信息获取异常交易的收款方的所有交易；
    当所述异常交易在所述所有交易中的占比大于第三预设值时，判断所述收款方是否在所述异常收款账户信息中；以及
    当所述收款方并未在所述异常收款账户信息中时，将所述收款方的账户加入所述异常收款账户信息。
  16. 根据权利要求12所述的装置，其特征在于，所述第一调整模块进一步配置为：
    基于所述异常收款账户信息获取异常收款账户参与的交易；以及
    基于所述异常交易信息，当所述异常收款账户参与的交易中被识别为异常交易的占比小于第四预设值时，将所述异常收款账户从所述异常收款账户信息中移除。
  17. 根据权利要求12所述的装置，其特征在于，所述第二调整模块进一步配置为：
    基于所述异常支付账户信息获取异常支付账户的个人信息；以及
    基于第二预设规则，当根据所述异常支付账户的个人信息判断所述异常支付账户为清白账户时，将所述异常支付账户参与的异常交易从所述异常交易信息中移除。
  18. 根据权利要求12所述的装置，其特征在于，所述第二调整模块进一步配置为：
    基于所述调整之前或之后的异常收款账户信息获取异常收款账户参与的交易；以及
    基于所述异常交易信息，当所述异常收款账户参与的交易中被识别为异常交易的占比大于第五预设值时，将所述异常收款账户参与的交易中未被识别为异常交易的交易加入所述异常交易信息。
  19. 根据权利要求12所述的装置，其特征在于，所述第二调整模块进一步配置为：
    基于交易数据和所述调整之前或之后的异常收款账户信息获取未被识别为异常收款账户的收款方；以及
    基于所述异常交易信息，当判断为所述收款方的所有交易中识别为异常交易的占比小于第六预设值时，将所述收款方被识别为异常交易的交易从所述异常交易信息中移除。
  20. 根据权利要求12所述的装置，其特征在于，所述第三调整模块进一步配置为：
    基于交易数据和所述异常收款账户信息获取与异常收款账户进行交易的所有账户；
    基于异常支付账户信息，当判断为与异常收款账户进行交易的所有账户中被识别为异常支付账户的占比大于第七预设值时，将与异常收款账户进行交易的所有账户中未被识别为异常支付账户的账户加入所述异常支付账户信息。
  21. 根据权利要求12所述的装置，其特征在于，所述第三调整模块进一步配置为：
    基于交易数据和所述调整之前或之后的异常交易信息，获取参与的异常交易在参与 的所有交易中占比大于第八预设值的支付账户；以及
    当所获取的支付账户并未在所述异常支付账户信息中时，将所获取的支付账户加入所述异常支付账户信息。
  22. 根据权利要求12所述的装置，其特征在于，所述第三调整模块进一步配置为：
    基于所述异常支付账户信息，获取异常支付账户所参与的所有交易；以及
    基于所述调整之前或之后的异常交易信息，当所述异常支付账户所述参与的所有交易中被识别为异常交易的占比小于第九预设值时，将所述异常支付账户从所述异常支付账户信息中移除。
  23. 一种计算设备，包括存储器、处理器及存储在存储器上并可在处理器上运行的计算机指令，其特征在于，所述处理器执行所述指令时实现权利要求1-11任意一项所述方法的步骤。
  24. 一种计算机可读存储介质，其存储有计算机指令，其特征在于，该指令被处理器执行时实现权利要求1-11任意一项所述方法的步骤。
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