Transaction risk real-time control system

Abstract

The invention relates to a transaction risk real-time control system comprising a transaction record acquisition and distribution unit which receives a transaction record from a transaction platform and distributes the transaction record to process the transaction record, a rule selection unit which acquires the transaction record from the transaction record acquisition and distribution unit, selects a corresponding risk analysis rule according to at least one attribute of the transaction record, and issues an instruction corresponding to the selected risk analysis rule, a logic loading unit which unloads and / or loads an operation logic in response to the instruction, and a monitoring unit which acquires the transaction record from the transaction record acquisition and distribution unit and calculates a risk index corresponding to the transaction record based on the operation logic loaded by the logic loading unit. With the system, relatively real-time risk analysis and timely risk disposal strategy feedback can be carried out, the transaction risk can be controlled effectively, and the change in risk situation can be responded quickly.

Description

technical field [0001] The invention relates to the technical field of risk control, and more specifically, to a real-time control system for transaction risk. Background technique [0002] With the rapid development of the Internet, various forms of online transaction services, such as online payment and online shopping, continue to emerge. At the same time, with the rapid development of e-commerce, online financial crimes, fraudulent transactions, etc. occur from time to time, which requires risk monitoring on online transactions to protect people's financial property safety. [0003] In the prior art, risk analysis is usually performed on transaction data after the transaction is completed, and risk warning or risk treatment is given after the event, which has poor timeliness and weak risk control. Secondly, it mainly analyzes and scores risk rules through solidified parameter configuration, rule judgment logic or scoring logic. It does not support real-time effect of pa...

AI Technical Summary

Problems solved by technology

[0003] In the existing technology, the risk analysis of the transaction data is usually performed after the transaction is completed, and the risk warning or risk treatment is given after the event, which has poor timeliness and weak risk control

Secondly, it mainly analyzes and scores risk rules through solidified parameter configuration, rule judgment logic or scoring logic. It does not support real-time effect of parameters and dynamic configuration of business logic, and cannot respond to changes in risk situations in a timely manner.

Thirdly, its core risk analysis module mainly adopts the method of serial analysis. In the scenario of large transaction volume, large number of rules, and complex rules, the average analysis of each transaction takes a long time

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