Method for adjusting risk parameters and risk identification method and device
A risk parameter and risk identification technology, applied in the information field, can solve the problems of long delay and high cost, and achieve the effect of avoiding high cost
Active Publication Date: 2018-07-31
ADVANCED NEW TECH CO LTD
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[0008] The embodiment of the present application provides a method for adjusting risk parameters, a risk identification method and a device, so as to solve the problems of high cost and excessive delay in existing risk identification methods
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[0039] In order to enable those skilled in the art to better understand the technical solutions in the present application, the technical solutions in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described The embodiments are only some of the embodiments of the present application, but not all of them. Based on the embodiments in this application, all other embodiments obtained by persons of ordinary skill in the art without creative efforts shall fall within the scope of protection of this application.
[0040] In the technical field of online risk identification, a combination of method 1 and method 2 as described in the background is usually used for online risk identification. That is, on the one hand, by providing a large amount of historical operation data to the risk identification system, the risk identification system is trained b...
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The invention discloses a method for adjusting risk parameters and a risk identification method and device. On one hand, operation data involved in one transaction is converted into at least one operation jump sequence, and each operation jump sequence includes at least one operation jump event, each operation jump event corresponds to one risk parameter, and then, once the operation data involvedin one transaction is actually discretized into a number of independent operation jump events. On the other hand, for each user identifier registered on a client providing electronic transaction service, each risk parameter set corresponding to each user identifier one by one is set, and the online real-time update of each risk parameter is supported. Through the risk identification method claimed in the invention, on the one hand, the high cost of manual compensation can be avoided, on the other hand, the online dynamic update of the risk parameters can be realized without waiting for the retraining of a risk identification system for several months, and the compensation of the risk identification system is timely completed.
Description
technical field [0001] The present application relates to the field of information technology, in particular to a method for adjusting risk parameters, a risk identification method and a device. Background technique [0002] With the popularization of electronic transaction methods such as online payment and online transfer, it is very important to ensure transaction security and identify transaction risks in a timely and accurate manner. [0003] Generally speaking, the user can register an account and set a transaction password on the client terminal that provides electronic transaction services (such as the electronic transaction application installed on the mobile phone, the browser page corresponding to the electronic transaction website, etc.), and link the account number with his bank card bound. When the user logs in to the client and enters the transaction password in the client to request payment, the client sends a payment request to the control server, and the c...
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Patent Timeline
Login to View More IPC IPC(8): G06Q20/38
CPCG06Q20/382G06Q20/4016G06Q20/42G06Q20/12G06Q20/10G06F17/16G06Q20/4014
Inventor 李超赵华董纯洁金宏章李杰
Owner ADVANCED NEW TECH CO LTD