A method and a device for risk identification

A technology for risk identification and payment data, applied in the computer field

Inactive Publication Date: 2018-12-14
ADVANCED NEW TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0009] The embodiment of the present application provides a risk identification method and device to

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  • A method and a device for risk identification
  • A method and a device for risk identification
  • A method and a device for risk identification

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[0031] In order to make the objectives, technical solutions, and advantages of the present application clearer, the technical solutions of the present application will be described clearly and completely in conjunction with specific embodiments of the present application and the corresponding drawings. Obviously, the described embodiments are only a part of the embodiments of the present application, rather than all the embodiments. Based on the embodiments in this application, all other embodiments obtained by those of ordinary skill in the art without creative work fall within the protection scope of this application.

[0032] Based on the foregoing, the embodiments of this application provide a risk identification method that does not rely on black and white samples for training, and can directly realize the risk of illegal payments based on historical payment data of expenditure accounts, historical payment data of income accounts, etc. Recognition.

[0033] It should be noted...

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Abstract

The embodiment of the application discloses a method and a device for risk identification. The method comprises the following steps: monitoring and obtaining payment data corresponding to a current payment operation; obtaining historical payment data of a related account of the current payment operation; determining each payment dimension of the payment data and the historical payment data; determining a difference between the payment data and the historical payment data in each payment dimension, and performing risk identification on the current payment operation according to the difference.By the method, the deviation between the current payment operation and the original payment habit can be determined according to the difference between the payment data of the current payment operation and the historical payment data of the related account under different payment dimensions without relying on the black-and-white sample as the basis for risk identification.

Description

Technical field [0001] This application relates to the field of computer technology, in particular to a method and device for risk identification. Background technique [0002] At present, with the support of Internet technology, online payment is becoming more and more popular. However, the user’s account with payment function is at risk of being stolen. Once the account is stolen illegally, the illegal user can make illegal payments. [0003] In the prior art, in order to reduce or avoid the impact of illegal payments on legitimate users, two risk identification methods are usually used: [0004] Method 1: Pre-train the payment information corresponding to the normal payment and illegal payment that have occurred as positive and negative samples to obtain the corresponding recognition model. The pre-trained recognition model is further used to identify risks based on the current payment behavior of the account to monitor possible illegal payments. [0005] Method 2: Pre-set corres...

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Application Information

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IPC IPC(8): G06Q20/38
CPCG06Q20/382
Inventor 郑霖
Owner ADVANCED NEW TECH CO LTD
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