Self-adaption controllable management system for cheat risk of online transaction

Abstract

The invention discloses a self-adaption controllable management system for cheat risk of an online transaction. The self-adaption controllable management system comprises a client, a payment gateway, an online payment platform and a risk control unit, wherein the online payment platform and the risk control unit are based on a cloud-end computation cluster and are integrally connected through a communication interface and a central knowledge base.. Based on a controllable cheat risk management system in online transaction, the risk management structure of the self-adaption controllable management system disclosed by the invention can self-adaptively find out and attack emerging cheat transaction, carry out track and score on a stated or externally accessed sensitive attribute value during dynamic credit management, combine a prediction model and a rule technique, can provide an experimental platform to simulate and optimize history transaction and predict profitability in a model, and respectively reply to a reference result with higher credibility to a client and a payment gateway through statistic analysis.

Description

technical field [0001] The invention relates to an adaptive model of a controllable fraud risk management system for online transactions, belonging to the technical fields of financial services and payment security. Background technique [0002] At the end of 2011, the user databases of at least a dozen websites in China were leaked, more than 50 million user accounts and passwords were publicly spread on the Internet, and many security companies launched red alerts. Websites suspected of leaking user data include CSDN, Renren, Tianya, Kaixin, Duwan YY, Century Jiayuan, Zhenai, Meikong, Baihe, etc. Judging from the impact on the website, it affects almost all Internet users. It is hard to guard against ghosts inside and outside. In this Internet society where no one can trust, consumers need self-protection tools. [0003] From the perspective of most countries in the world, transaction payment has become the era of the Internet Warring States. Payment security and consum...

AI Technical Summary

Problems solved by technology

In fact, hackers and cheaters on the Internet are mercenary, and their methods are refurbished, and they are full of tricks. The client security technology cannot keep up with the refurbishment of cheating methods.

At the same time, too much security monitoring on the client side will bring great inconvenience and distrust to users, which will affect the trading experience of honest customers and hurt the conversion rate of customers

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