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Risk account identification method and device

An identification method and technology of an identification device, which are applied in the computer field, can solve the problems of low identification accuracy, and achieve the effect of improving the identification accuracy.

Active Publication Date: 2016-03-23
DONGGUAN COOLPAD SOFTWARE TECH
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0005] Based on this, in order to solve the above-mentioned technical problem of low identification accuracy in the identification of dangerous accounts for business value transfer in the traditional technology mentioned above, a method for identifying dangerous accounts is specially provided

Method used

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  • Risk account identification method and device

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Embodiment Construction

[0037] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only some, not all, embodiments of the present invention. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without creative efforts fall within the protection scope of the present invention.

[0038] In order to solve the above-mentioned technical problem of low identification accuracy in the identification of dangerous accounts for business value transfer in the traditional technology mentioned above, in this embodiment, a method for identifying dangerous accounts is provided, which relies on computer implementation , which can run on a computer system based on the von Neumann system. The computer program may be a mobile payment application or a server ...

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Abstract

The embodiment of the invention discloses a risk account identification method, comprising: receiving a terminal uploading collection account corresponding to a business value transfer initiation account; calculating the evaluation reference value of the collection account according to the communication record between the initiation account and the collection account, and user numbers separated on a social relation chain, the communication record comprising conversation frequency distribution, conversation time length distribution and / or conversation incoming and outcoming distribution; and searching for a preset threshold zone to which the evaluation reference value belongs, and determining whether the collection account is a risk account according to the threshold zone to which the evaluation reference value belongs. The invention also correspondingly discloses a risk account identification device. The risk account identification method and device can more accurately identify a risk account, and improve the risk account identification accuracy in business value transfer.

Description

technical field [0001] The present invention relates to the field of computer technology, in particular to a method and device for identifying a dangerous account. Background technique [0002] In the existing network fraud, the victim often receives relevant remittance or transfer information through the Internet or telephone, and then remits or transfers money to strangers, causing a large amount of money loss. As there are more and more methods of online fraud nowadays, preventing and preventing online fraud from the source is a way to prevent online fraud. transfer. [0003] In the existing method of preventing network fraud, when the system detects that the user is sending money to a dangerous account, the system actively blocks the money transfer and notifies the user, requiring the user to further explain the motive and reason of the money transfer to the bank or account management institution, and Whether the specific information of the recipient is clear; the remi...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): H04L29/06H04L29/08H04L12/58G06Q20/40G06Q20/10G06Q20/20H04M7/00
CPCH04L63/14H04L63/1483H04M7/0078G06Q20/105G06Q20/108G06Q20/204G06Q20/4016Y10S902/01H04L51/52H04L67/563
Inventor 梁文栋
Owner DONGGUAN COOLPAD SOFTWARE TECH
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