Optimizing method and apparatus for internet based payment risk control system

Abstract

The invention discloses an optimizing method and apparatus for internet based payment risk control system wherein the internet based payment risk control system comprises a risk control policy pool where the control policy pool is provided with a plurality of policies. The optimizing method comprises of obtaining an optimizing model through machine learning wherein the optimizing model is used to combine at least two policies to form a best policy combination whose balance state is better than the balance state of any single policy of the best policy combination and better than the balance state of the policy combination formed by any single policy with the rest policies in the risk control policy pool wherein the balance state of the policies/policy combination is measured by the harmonic mean of the accuracy to identify fraudulent orders and the coverage rate for covering the fraudulent orders by the policies/policy combination. The optimizing method and apparatus of the invention increase the operation efficiency of the existing policies and models of a traditional internet based payment risk control system, therefore, enabling the risk control policies and models to identify frauds more accurately and to cover more fraudulent orders.

Description

technical field [0001] The invention belongs to the field of the Internet, and in particular relates to an optimization method and device for an Internet payment risk control system. Background technique [0002] As the Internet becomes more and more popular in our country, the number of users of many Internet companies is showing an exponential upward trend. More and more customers will choose to use online payment methods (bank cards, third-party payment, gift cards, etc.) to purchase corresponding products. products, and many criminals have targeted this "business opportunity" and frantically carried out fraud, misappropriation, and swiping orders. How to ensure the safety of customers and companies has increasingly become the top priority of the Internet risk control department, and a powerful and efficient risk control rule model system is the basis for ensuring the normal operation of Internet companies. [0003] Current problems in risk control rules and model system...

AI Technical Summary

Problems solved by technology

[0008] The technical problem to be solved by the present invention is to overcome the defects of low accuracy and coverage of the existing single rule / single model in the prior art, and provide a method that can utilize existing rules / models without adding new rules / models. Rules / models to improve the accuracy and coverage of identifying fraudulent orders. An optimization method and device for an Internet payment risk control system

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