CN113095834B - Risky transaction identification method, device and system - Google Patents
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Abstract
The invention provides a risk transaction identification method, device and system, and belongs to the technical field of artificial intelligence. The risk transaction identification method comprises the steps of obtaining current transaction data in a payment request from an order receiving system, constructing current transaction characteristics according to the current transaction data, inputting the current transaction characteristics into a risk transaction identification model created based on historical transaction characteristics to obtain a risk transaction identification result, wherein the risk transaction identification result comprises a risk merchant identification result and a risk customer identification result, generating a target transaction risk identification result according to the risk merchant identification result and the risk customer identification result, and sending the target transaction risk identification result to the order receiving system so that the order receiving system can process the current transaction according to the target transaction risk identification result. The invention can effectively improve the efficiency of risk transaction identification and avoidance and reduce the compliance risk of the order receiving mechanism.
Description
Technical Field
The invention relates to the technical field of artificial intelligence, in particular to a risk transaction identification method, device and system.
Background
The existing risk transaction identification method is that an acquirer verifies business information of merchants in a payment request by using an image processing technology, is suitable for solving the admission control problem of small micro merchants in an internet mode, and reduces auditing cost and account opening cost of the acquirer.
Along with popularization of internet finance and two-dimensional code order receiving, merchant order receiving cost is lower and lower, and the quantity, management cost and supervision cost of merchants are increased day by day, so that compliance risks of an order receiving mechanism are improved. At present, transaction data in a payment request needs to be manually reviewed and analyzed, the efficiency is low, the recognition rate is low, and even if specific risks are positioned, timely avoidance and damage prevention are often impossible. The existing merchant portrait method is that an acquirer verifies business information of merchants in a payment request by using an image processing technology, is suitable for solving the admission control problem of small micro merchants in an internet mode, but cannot solve the transaction risk control problem in the actual business process.
Disclosure of Invention
The embodiment of the invention mainly aims to provide a risk transaction identification method, device and system, so that the efficiency of risk transaction identification and avoidance is effectively improved, and the compliance risk of a receipt mechanism is reduced.
In order to achieve the above object, an embodiment of the present invention provides a risk transaction identification method, including:
acquiring current transaction data in a payment request from a bill receiving system, and constructing current transaction characteristics according to the current transaction data;
Inputting the current transaction characteristics into a risk transaction identification model created based on historical transaction characteristics to obtain a risk transaction identification result, wherein the risk transaction identification result comprises a risk merchant identification result and a risk customer identification result;
generating a target transaction risk identification result according to the risk merchant identification result and the risk customer identification result;
And sending the target transaction risk identification result to the order receiving system so that the order receiving system processes the current transaction according to the target transaction risk identification result.
The embodiment of the invention also provides a risk transaction identification device, which comprises:
The current transaction characteristic construction module is used for acquiring current transaction data in a payment request from the order receiving system and constructing current transaction characteristics according to the current transaction data;
the risk transaction identification module is used for inputting the current transaction characteristics into a risk transaction identification model created based on the historical transaction characteristics to obtain a risk transaction identification result, wherein the risk transaction identification result comprises a risk merchant identification result and a risk customer identification result;
The target transaction risk identification module is used for generating a target transaction risk identification result according to the risk merchant identification result and the risk customer identification result;
and the sending module is used for sending the target transaction risk identification result to the order receiving system so that the order receiving system processes the current transaction according to the target transaction risk identification result.
The embodiment of the invention also provides computer equipment, which comprises a memory, a processor and a computer program stored on the memory and running on the processor, wherein the processor realizes the steps of the risk transaction identification method when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium, on which a computer program is stored, which when being executed by a processor, implements the steps of the risk transaction identification method.
The embodiment of the invention also provides a risk transaction identification system, which comprises:
a risk transaction identification device as described above;
and the order receiving system is used for sending the payment request to the risk transaction identification device and processing the transaction according to the target transaction risk identification result from the risk transaction identification device.
According to the risk transaction identification method, device and system, the current transaction characteristics are built according to the current transaction data, the current transaction characteristics are input into the risk transaction identification model to obtain the risk transaction identification result, and then the target transaction risk identification result is generated and sent according to the risk merchant identification result and the risk customer identification result, so that the acquiring system processes the current transaction according to the target transaction risk identification result, the efficiency of risk transaction identification and avoidance can be effectively improved, and the compliance risk of the acquiring mechanism is reduced.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings that are needed in the description of the embodiments will be briefly described below, it being obvious that the drawings in the following description are only some embodiments of the present invention, and that other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
FIG. 1 is a flow chart of a risk transaction identification method in accordance with an embodiment of the present invention;
FIG. 2 is a flow chart of a method of risk transaction identification in accordance with another embodiment of the present invention;
FIG. 3 is a flowchart of S101 in an embodiment of the invention;
FIG. 4 is a flow chart of creating a risk transaction identification model in accordance with an embodiment of the present invention;
FIG. 5 is a flow chart for creating a risk transaction identification model in accordance with another embodiment of the present invention;
FIG. 6 is a block diagram of a risk transaction identification device in accordance with an embodiment of the present invention;
FIG. 7 is a block diagram of a risk transaction identification device in accordance with another embodiment of the present invention;
FIG. 8 is a block diagram of a computer device in an embodiment of the invention;
Fig. 9 is a schematic diagram of a risk transaction identification system in accordance with an embodiment of the present invention.
Detailed Description
The following description of the embodiments of the present invention will be made clearly and completely with reference to the accompanying drawings, in which it is apparent that the embodiments described are only some embodiments of the present invention, but not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.
Those skilled in the art will appreciate that embodiments of the invention may be implemented as a system, apparatus, device, method, or computer program product. Accordingly, the present disclosure may be embodied in the form of entirely hardware, entirely software (including firmware, resident software, micro-code, etc.) or in a combination of hardware and software.
In view of the problems that in the prior art, transaction data in a payment request needs to be manually reviewed and analyzed, the efficiency is low, the recognition rate is low, and transaction risk control in the actual operation process cannot be solved, the embodiment of the invention provides a risk transaction recognition method which is simple to realize, low in implementation cost and self-adaptive, can effectively prevent malicious operations of bad merchants and malicious transactions of bad clients, effectively improve the efficiency of risk transaction recognition and avoidance, and reduce the compliance risk of an order receiving mechanism.
FIG. 1 is a flow chart of a risk transaction identification method in accordance with an embodiment of the present invention. FIG. 2 is a flow chart of a risk transaction identification method in accordance with another embodiment of the present invention. As shown in fig. 1-2, the risk transaction identification method includes:
S101, current transaction data in a payment request from a bill receiving system is acquired, and current transaction characteristics are constructed according to the current transaction data.
Fig. 3 is a flowchart of S101 in the embodiment of the present invention. As shown in fig. 3, S101 includes:
s201, searching corresponding merchant data and customer data according to the current transaction data.
The merchant data comprises merchant management information such as merchant management type, merchant attribution area, management scale, legal person information, transaction amount and transaction amount of each dimension, and merchant account information such as credit balance, receipts payment and account running water of a merchant associated account. In the implementation, the merchant management information can be searched from an external merchant management system according to the current transaction data, and the merchant account information can be searched from an external account system.
S202, constructing current transaction characteristics according to current transaction data, merchant data and customer data.
Wherein the transaction data includes a payment channel, a transaction amount, and the like. Current transaction characteristics are data that has been subjected to a process purge.
S102, inputting the current transaction characteristics into a risk transaction recognition model created based on the historical transaction characteristics to obtain a risk transaction recognition result, wherein the risk transaction recognition result comprises a risk merchant recognition result and a risk customer recognition result.
In one embodiment, S102 includes inputting the current transaction feature into a risk transaction recognition model created based on the historical transaction feature according to a preset merchant risk type corresponding to merchant data and a preset customer risk type corresponding to customer data to obtain a risk transaction recognition result.
For example, the preset merchant risk types include normal merchants, collection merchants, and risk merchants. The preset customer risk types include normal customers, collection customers, and risk customers. When the preset merchant risk type is a risk merchant or the preset client risk type is a risk client, determining that the current transaction is a risk transaction, sending the risk transaction as a target transaction risk identification result to a acquiring system, intercepting the current transaction after the acquiring system receives the target transaction risk identification result determined as the risk transaction, ending the transaction, and otherwise, inputting the current transaction characteristics into a risk transaction identification model created based on historical transaction characteristics.
S103, generating a target transaction risk identification result according to the risk merchant identification result and the risk client identification result.
In the implementation, the highest risk type in the risk merchant identification result and the corresponding preset merchant risk type is determined to be the target merchant risk identification result, the highest risk type in the risk customer identification result and the corresponding preset customer risk type is determined to be the target customer risk identification result, and finally the highest risk type in the target merchant risk identification result and the target customer risk identification result is determined to be the target transaction risk identification result. Wherein, the risk level in the risk type is that risk > collection > is normal.
For example, if the risk merchant identification result is a normal merchant and the preset merchant risk type is a collection merchant, the target merchant risk identification result is a collection merchant. The risk client identification result is a risk client, the preset client risk type is a collection client, and the target client risk identification result is a risk client.
When the target customer risk identification result is a risk customer and the target merchant risk identification result is a collection merchant, the risk level (risk) of the target customer risk identification result is greater than the target merchant risk identification result (collection), and the target transaction risk identification result is a risk transaction.
When the target customer risk identification result is a collection customer and the target merchant risk identification result is a normal merchant, the risk level (collection) of the target customer risk identification result is greater than the target merchant risk identification result (normal), and the target transaction risk identification result is a collection transaction.
And when the target client risk identification result is a normal client and the target merchant risk identification result is a normal merchant, the target transaction risk identification result is a normal transaction.
And S104, sending the target transaction risk identification result to the order receiving system so that the order receiving system processes the transaction according to the target transaction risk identification result.
For example, when the target transaction risk identification result is a normal transaction, the order receiving system allows the current transaction to be normally carried out, when the target transaction risk identification result is a collection transaction, the order receiving system carries out collection processing on the current transaction, and when the target transaction risk identification result is a risk transaction, the order receiving system intercepts the current transaction and terminates the transaction.
In an embodiment, the target transaction risk identification result may also be sent to an external front-end control system and displayed. When the target transaction risk identification result is risk transaction, triggering and pushing a risk checking task to an external front-end control system so as to improve the subsequent checking efficiency of the risk.
The risk transaction recognition method shown in fig. 1 may be executed by a computer. As can be seen from the flow shown in fig. 1, in the risk transaction identification method according to the embodiment of the present invention, the current transaction characteristics are first constructed according to the current transaction data, the current transaction characteristics are input into the risk transaction identification model to obtain the risk transaction identification result, and then the target transaction risk identification result is generated and sent according to the risk merchant identification result and the risk customer identification result, so that the acquiring system processes the current transaction according to the target transaction risk identification result, thereby effectively improving the efficiency of risk transaction identification and avoidance, and reducing the compliance risk of the acquiring mechanism.
FIG. 4 is a flow chart of creating a risk transaction identification model in accordance with an embodiment of the present invention. FIG. 5 is a flow chart for creating a risk transaction identification model in accordance with another embodiment of the present invention. As shown in fig. 4-5, creating the risk transaction identification model based on the historical transaction characteristics includes:
the following iterative processing is performed:
s301, inputting historical transaction characteristics into an initial recognition model to obtain a risk transaction prediction result.
The initial recognition model is from an external front-end control system, and can construct historical transaction characteristics according to current historical transaction data, merchant data and customer data.
S302, determining a loss function according to the risk transaction prediction result and the corresponding risk transaction actual result.
S303, judging whether the loss function is smaller than a preset threshold value.
And S304, when the loss function is smaller than a preset threshold value, determining the initial recognition model in the current iteration as a risk transaction recognition model.
And S305, when the loss function is greater than or equal to a preset threshold value, updating the initial identification model according to the loss function, and continuing to execute the iterative process.
The specific flow of the embodiment of the invention is as follows:
1. and inputting the historical transaction characteristics into an initial recognition model to obtain a risk transaction prediction result.
2. And (3) determining a loss function according to the risk transaction prediction result and the corresponding risk transaction actual result, determining an initial recognition model in the current iteration as a risk transaction recognition model when the loss function is smaller than a preset threshold, otherwise updating the initial recognition model according to the loss function, and returning to the step (1).
3. And acquiring current transaction data in a payment request from the order receiving system, and searching corresponding merchant data and customer data according to the current transaction data.
4. And constructing the current transaction characteristics according to the current transaction data, the merchant data and the client data.
5. And inputting the current transaction characteristics into a risk transaction identification model created based on the historical transaction characteristics according to the preset merchant risk type corresponding to the merchant data and the preset customer risk type corresponding to the customer data to obtain a risk transaction identification result, wherein the risk transaction identification result comprises a risk merchant identification result and a risk customer identification result.
6. And generating a target transaction risk identification result according to the risk merchant identification result and the risk client identification result, and sending the target transaction risk identification result to the order receiving system.
7. And the order receiving system processes the current transaction according to the target transaction risk identification result.
In summary, the risk transaction identification method provided by the embodiment of the invention has the following beneficial effects:
(1) And carrying out sample training on the historical transaction data by adopting a machine learning algorithm to obtain a risk transaction recognition model so as to further obtain a risk transaction recognition result.
(2) The current transaction data, the merchant data and the customer data are acted on the transaction process in real time or near real time by utilizing a computer data transmission technology, so that the modes of manual identification and post-interception are replaced, and the risk identification and avoidance efficiency is improved.
(3) And the risk transaction is automatically triggered to carry out the risk checking task, so that the subsequent checking efficiency of the risk is improved.
Based on the same inventive concept, the embodiment of the invention also provides a risk transaction identification device, and because the principle of the device for solving the problem is similar to that of the risk transaction identification method, the implementation of the device can be referred to the implementation of the method, and the repetition is omitted.
Fig. 6 is a block diagram illustrating a structure of a risk transaction recognition apparatus according to an embodiment of the present invention. Fig. 7 is a block diagram illustrating a structure of a risk transaction recognition apparatus according to another embodiment of the present invention. As shown in fig. 6 to 7, the risk transaction identification device includes:
The current transaction characteristic construction module is used for acquiring current transaction data in a payment request from the order receiving system and constructing current transaction characteristics according to the current transaction data;
the risk transaction identification module is used for inputting the current transaction characteristics into a risk transaction identification model created based on the historical transaction characteristics to obtain a risk transaction identification result, wherein the risk transaction identification result comprises a risk merchant identification result and a risk customer identification result;
The target transaction risk identification module is used for generating a target transaction risk identification result according to the risk merchant identification result and the risk customer identification result;
and the sending module is used for sending the target transaction risk identification result to the order receiving system so that the order receiving system processes the current transaction according to the target transaction risk identification result.
In one embodiment, the current transaction characteristic construction module comprises:
the data searching unit is used for searching corresponding merchant data and client data according to the current transaction data;
And the current transaction characteristic construction unit is used for constructing the current transaction characteristic according to the current transaction data, the merchant data and the client data.
In one embodiment, the risk transaction identification model creating module is further used for executing the following iterative processing:
inputting the historical transaction characteristics into an initial recognition model to obtain a risk transaction prediction result;
Determining a loss function according to the risk transaction prediction result and the corresponding risk transaction actual result;
And when the loss function is smaller than a preset threshold value, determining the initial recognition model in the current iteration as a risk transaction recognition model, otherwise, updating the initial recognition model according to the loss function, and continuing to execute the iteration processing.
In one embodiment, the risk transaction identification module is specifically configured to:
and inputting the current transaction characteristics into a risk transaction identification model created based on the historical transaction characteristics according to the preset merchant risk type corresponding to the merchant data and the preset customer risk type corresponding to the customer data to obtain a risk transaction identification result.
As shown in fig. 7, in practical application, the product risk early warning device includes a data receiving and transmitting module, a data collecting and processing module, a risk identifying module, a risk task triggering module and a model training module.
The data receiving and transmitting module comprises a transmitting module and a target transaction risk identification result transmitting module, wherein the transmitting module is used for receiving an initial identification model from the front-end control system, current transaction data in a payment request from the order receiving system, merchant management information from the merchant management system and merchant account information from the account system, and transmitting the target transaction risk identification result to the order receiving system.
The data acquisition and processing module comprises a current transaction characteristic construction module and is used for processing and cleaning current transaction data, merchant data and customer data according to business rules so as to construct current transaction characteristics.
The risk identification module comprises a risk transaction identification module and a target transaction risk identification module.
The risk task triggering module is used for extracting risk checking key information (such as merchant attribution area, customer information, payment channel, transaction amount and the like) when the target transaction risk identification result is a risk transaction, converting the risk checking key information into a business language according to a risk task allocation rule set in the system, and triggering and pushing a risk checking task to an external front-end control system.
The model training module includes a risk transaction identification model creation module.
In summary, the risk transaction recognition device of the embodiment of the invention constructs the current transaction characteristics according to the current transaction data and inputs the current transaction characteristics into the risk transaction recognition model to obtain the risk transaction recognition result, and then generates and transmits the target transaction risk recognition result according to the risk merchant recognition result and the risk customer recognition result, so that the acquiring system processes the current transaction according to the target transaction risk recognition result, the efficiency of risk transaction recognition and avoidance can be effectively improved, and the compliance risk of the acquiring mechanism is reduced.
The embodiment of the invention also provides a concrete implementation mode of the computer equipment capable of realizing all the steps in the risk transaction identification method in the embodiment. Fig. 8 is a block diagram of a computer device according to an embodiment of the present invention, and referring to fig. 8, the computer device specifically includes:
a processor (processor) 801 and a memory (memory) 802.
The processor 801 is configured to invoke a computer program in the memory 802, where the processor executes the computer program to implement all the steps in the risk transaction identification method in the above embodiment, for example, the processor executes the computer program to implement the following steps:
acquiring current transaction data in a payment request from a bill receiving system, and constructing current transaction characteristics according to the current transaction data;
Inputting the current transaction characteristics into a risk transaction identification model created based on historical transaction characteristics to obtain a risk transaction identification result, wherein the risk transaction identification result comprises a risk merchant identification result and a risk customer identification result;
generating a target transaction risk identification result according to the risk merchant identification result and the risk customer identification result;
And sending the target transaction risk identification result to the order receiving system so that the order receiving system processes the current transaction according to the target transaction risk identification result.
In summary, the computer equipment of the embodiment of the invention constructs the current transaction characteristics according to the current transaction data and inputs the current transaction characteristics into the risk transaction identification model to obtain the risk transaction identification result, and then generates and transmits the target transaction risk identification result according to the risk merchant identification result and the risk customer identification result, so that the acquiring system processes the current transaction according to the target transaction risk identification result, the efficiency of risk transaction identification and avoidance can be effectively improved, and the compliance risk of the acquiring mechanism is reduced.
The embodiment of the present invention further provides a computer readable storage medium capable of implementing all the steps of the risk transaction identification method in the above embodiment, where the computer readable storage medium stores a computer program, and the computer program implements all the steps of the risk transaction identification method in the above embodiment when executed by a processor, for example, the processor implements the following steps when executing the computer program:
acquiring current transaction data in a payment request from a bill receiving system, and constructing current transaction characteristics according to the current transaction data;
Inputting the current transaction characteristics into a risk transaction identification model created based on historical transaction characteristics to obtain a risk transaction identification result, wherein the risk transaction identification result comprises a risk merchant identification result and a risk customer identification result;
generating a target transaction risk identification result according to the risk merchant identification result and the risk customer identification result;
And sending the target transaction risk identification result to the order receiving system so that the order receiving system processes the current transaction according to the target transaction risk identification result.
In summary, the computer readable storage medium of the embodiment of the invention constructs the current transaction characteristics according to the current transaction data and inputs the current transaction characteristics into the risk transaction identification model to obtain the risk transaction identification result, and then generates and transmits the target transaction risk identification result according to the risk merchant identification result and the risk customer identification result, so that the acquiring system processes the current transaction according to the target transaction risk identification result, the efficiency of risk transaction identification and avoidance can be effectively improved, and the compliance risk of the acquiring mechanism is reduced.
Based on the same inventive concept, the embodiment of the invention also provides a risk transaction identification system, and because the principle of solving the problem of the system is similar to that of the risk transaction identification method, the implementation of the system can be referred to the implementation of the method, and the repetition is omitted.
Fig. 9 is a schematic diagram of a risk transaction identification system in accordance with an embodiment of the present invention. As shown in fig. 9, the risk transaction identification system includes:
The risk transaction recognition device 1 is a large computer or a small computer disposed in the background of the order receiving organization, and is further configured to receive an initial recognition model from the front-end control system, merchant management information from the merchant management system 4, and merchant account information from the account system 5.
The acquiring system 2 is configured to send a payment request to the risk transaction identification device, and process a transaction according to a target transaction risk identification result from the risk transaction identification device.
In one embodiment, the risk transaction identification system further includes a front-end control system 3, a merchant management system 4, and an account system 5.
The front-end control system 3 is used for supporting the system to use the equipment of personnel input and initial recognition model modification, and is connected with the risk transaction recognition device 1 through the private network 6 to finish the operations of functions such as front-end page display, initial recognition model input and the like.
The private line network 6 is a private line deployed by a telecommunications carrier, and connects the front-end control system 3 and the risk transaction identification device 1.
The telecommunication network 7 refers to a telephone network, a wireless GPRS, a 3G communication network, a 4G communication network or an Internet network deployed by a telecommunication operator, and the risk transaction identification device 1, the order receiving system 2, the merchant management system 4 and the account system 5 perform data communication through the telecommunication network 7.
In summary, the risk transaction identification system of the embodiment of the invention constructs the current transaction characteristics according to the current transaction data and inputs the current transaction characteristics into the risk transaction identification model to obtain the risk transaction identification result, and then generates and transmits the target transaction risk identification result according to the risk merchant identification result and the risk customer identification result, so that the acquiring system processes the current transaction according to the target transaction risk identification result, the efficiency of risk transaction identification and avoidance can be effectively improved, and the compliance risk of the acquiring mechanism is reduced.
The foregoing description of the embodiments has been provided for the purpose of illustrating the general principles of the invention, and is not meant to limit the scope of the invention, but to limit the invention to the particular embodiments, and any modifications, equivalents, improvements, etc. that fall within the spirit and principles of the invention are intended to be included within the scope of the invention.
Those of skill in the art will further appreciate that the various illustrative logical blocks (illustrative logical block), units, and steps described in connection with the embodiments of the invention may be implemented by electronic hardware, computer software, or combinations of both. To clearly illustrate this interchangeability of hardware and software (interchangeability), various illustrative components described above (illustrative components), elements, and steps have been described above generally in terms of their functionality. Whether such functionality is implemented as hardware or software depends upon the particular application and design requirements of the overall system. Those skilled in the art may implement the described functionality in varying ways for each particular application, but such implementation is not to be understood as beyond the scope of the embodiments of the present invention.
The various illustrative logical blocks, or units, or devices described in the embodiments of the invention may be implemented or performed with a general purpose processor, a digital signal processor, an Application Specific Integrated Circuit (ASIC), a field programmable gate array or other programmable logic device, discrete gate or transistor logic, discrete hardware components, or any combination thereof designed to perform the functions described. A general purpose processor may be a microprocessor, but in the alternative, the general purpose processor may be any conventional processor, controller, microcontroller, or state machine. A processor may also be implemented as a combination of computing devices, e.g., a digital signal processor and a microprocessor, a plurality of microprocessors, one or more microprocessors in conjunction with a digital signal processor core, or any other similar configuration.
The steps of a method or algorithm described in connection with the embodiments disclosed herein may be embodied directly in hardware, in a software module executed by a processor, or in a combination of the two. A software module may be stored in RAM memory, flash memory, ROM memory, EPROM memory, EEPROM memory, registers, hard disk, a removable disk, a CD-ROM, or any other form of storage medium known in the art. In an example, a storage medium may be coupled to the processor such that the processor can read information from, and write information to, the storage medium. In the alternative, the storage medium may be integral to the processor. The processor and the storage medium may reside in an ASIC, which may reside in a user terminal. In the alternative, the processor and the storage medium may reside as distinct components in a user terminal.
In one or more exemplary designs, the above-described functions of embodiments of the present invention may be implemented in hardware, software, firmware, or any combination of the three. If implemented in software, the functions may be stored on a computer-readable medium or transmitted as one or more instructions or code on the computer-readable medium. Computer readable media includes both computer storage media and communication media that facilitate transfer of computer programs from one place to another. A storage media may be any available media that can be accessed by a general purpose or special purpose computer. For example, such computer-readable media may include, but is not limited to, RAM, ROM, EEPROM, CD-ROM or other optical disk storage, magnetic disk storage or other magnetic storage devices, or any other medium that may be used to carry or store program code in the form of instructions or data structures and other data structures that may be read by a general or special purpose computer, or a general or special purpose processor. Further, any connection is properly termed a computer-readable medium, e.g., if the software is transmitted from a website, server, or other remote source via a coaxial cable, fiber optic cable, twisted pair, digital Subscriber Line (DSL), or wireless such as infrared, radio, and microwave, and is also included in the definition of computer-readable medium. The disks (disks) and disks (disks) include compact disks, laser disks, optical disks, DVDs, floppy disks, and blu-ray discs where disks usually reproduce data magnetically, while disks usually reproduce data optically with lasers. Combinations of the above may also be included within the computer-readable media.
Claims (7)
1.A risk transaction identification method, comprising:
acquiring current transaction data in a payment request from a bill receiving system, and constructing current transaction characteristics according to the current transaction data;
inputting the current transaction characteristics into a risk transaction identification model created based on historical transaction characteristics to obtain a risk transaction identification result, wherein the risk transaction identification result comprises a risk merchant identification result and a risk customer identification result;
Generating a target transaction risk identification result according to the risk merchant identification result and the risk client identification result;
the target transaction risk identification result is sent to a receipt system, so that the receipt system processes the current transaction according to the target transaction risk identification result;
Generating a target transaction risk identification result according to the risk merchant identification result and the risk client identification result comprises:
Determining the highest risk type in the risk merchant identification result and the corresponding preset merchant risk type as a target merchant risk identification result;
Determining the highest risk type in the risk client identification result and the corresponding preset client risk type as a target client risk identification result;
Determining the highest risk type in a target merchant risk identification result and a target customer risk identification result as a target transaction risk identification result, wherein the preset merchant risk type comprises a normal merchant, a collection merchant and a risk merchant, the preset customer risk type comprises a normal customer, a collection customer and a risk customer, and the risk grade in the risk type is risk > collection > normal;
Constructing a current transaction characteristic from the current transaction data includes:
searching corresponding merchant data and customer data according to the current transaction data;
constructing current transaction characteristics according to the current transaction data, the merchant data and the client data;
inputting the current transaction characteristics into a risk transaction identification model created based on historical transaction characteristics, and obtaining a risk transaction identification result comprises:
And inputting the current transaction characteristics into a risk transaction identification model created based on historical transaction characteristics according to the preset merchant risk type corresponding to the merchant data and the preset customer risk type corresponding to the customer data to obtain a risk transaction identification result.
2. The risk transaction identification method of claim 1, wherein creating a risk transaction identification model based on historical transaction characteristics comprises:
the following iterative processing is performed:
inputting the historical transaction characteristics into an initial recognition model to obtain a risk transaction prediction result;
Determining a loss function according to the risk transaction prediction result and the corresponding risk transaction actual result;
And when the loss function is smaller than a preset threshold value, determining an initial recognition model in the current iteration as the risk transaction recognition model, otherwise, updating the initial recognition model according to the loss function, and continuing to execute the iteration processing.
3. A risk transaction identification device, comprising:
The current transaction characteristic construction module is used for acquiring current transaction data in a payment request from the order receiving system and constructing current transaction characteristics according to the current transaction data;
The risk transaction identification module is used for inputting the current transaction characteristics into a risk transaction identification model created based on historical transaction characteristics to obtain a risk transaction identification result, wherein the risk transaction identification result comprises a risk merchant identification result and a risk customer identification result;
the target transaction risk identification module is used for generating a target transaction risk identification result according to the risk merchant identification result and the risk client identification result;
the sending module is used for sending the target transaction risk identification result to the order receiving system so that the order receiving system processes the current transaction according to the target transaction risk identification result;
the target transaction risk identification module is specifically configured to:
Determining the highest risk type in the risk merchant identification result and the corresponding preset merchant risk type as a target merchant risk identification result;
Determining the highest risk type in the risk client identification result and the corresponding preset client risk type as a target client risk identification result;
Determining the highest risk type in a target merchant risk identification result and a target customer risk identification result as a target transaction risk identification result, wherein the preset merchant risk type comprises a normal merchant, a collection merchant and a risk merchant, the preset customer risk type comprises a normal customer, a collection customer and a risk customer, and the risk grade in the risk type is risk > collection;
The current transaction characteristic construction module comprises:
the data searching unit is used for searching corresponding merchant data and client data according to the current transaction data;
A current transaction characteristic construction unit, configured to construct a current transaction characteristic according to the current transaction data, the merchant data, and the customer data;
the risk transaction identification module is specifically configured to:
And inputting the current transaction characteristics into a risk transaction identification model created based on historical transaction characteristics according to the preset merchant risk type corresponding to the merchant data and the preset customer risk type corresponding to the customer data to obtain a risk transaction identification result.
4. The risk transaction identification device of claim 3, further comprising a risk transaction identification model creation module configured to perform an iterative process of:
inputting the historical transaction characteristics into an initial recognition model to obtain a risk transaction prediction result;
Determining a loss function according to the risk transaction prediction result and the corresponding risk transaction actual result;
And when the loss function is smaller than a preset threshold value, determining an initial recognition model in the current iteration as the risk transaction recognition model, otherwise, updating the initial recognition model according to the loss function, and continuing to execute the iteration processing.
5. A computer device comprising a memory, a processor and a computer program stored on the memory and running on the processor, characterized in that the processor implements the steps of the risk transaction identification method of any of claims 1 to 2 when the computer program is executed.
6. A computer readable storage medium having stored thereon a computer program, characterized in that the computer program when executed by a processor implements the steps of the risk transaction identification method of any of claims 1 to 2.
7. A risk transaction identification system, comprising:
A risk transaction identification device as claimed in any one of claims 3 to 4;
and the order receiving system is used for sending a payment request to the risk transaction identification device and processing the transaction according to the target transaction risk identification result from the risk transaction identification device.
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