A transaction risk identification method, device, and computer equipment

Abstract

Disclosed is a transaction risk identification method, device, and computer equipment. The method includes: obtaining the prediction result of the risk identification model for the output of the transaction to be identified; obtaining the quantitative result of the specified risk quantification scorecard for the output of the transaction to be identified. The specified risk quantification scorecard is the risk quantification scorecard corresponding to the transaction scenario to which the transaction to be identified belongs, wherein different transaction scenarios correspond to different risk quantification scorecards; the acquisition is used to indicate whether there is a Trojan horse risk in the transaction to be identified The technical identification result; determine the risk level of the transaction to be identified according to the prediction result, the quantitative result, and the technical identification result.

Description

technical field [0001] The embodiments of this specification relate to the technical field of data processing, and in particular, to a transaction risk identification method, apparatus, and computer equipment. Background technique [0002] At present, there is a type of fund thief with certain technical capabilities, who implants Trojan viruses into the computer equipment commonly used by users (such as personal laptops, office computers, home computers, etc.) to obtain the user's identity information and fund account information. , transaction information, etc., and use this information to remotely control the computer equipment commonly used by users to implement payment behaviors, so as to achieve the purpose of stealing user funds. [0003] Since such incidents of theft of funds occur on the computer equipment commonly used by users, from the perspective of user behavior, the degree of distinction between such incidents of funds theft and the normal transaction events of...

AI Technical Summary

Problems solved by technology

[0003] Since such fund theft incidents occur on the computer equipment commonly used by users, from the perspective of user behavior, the distinction between such fund theft incidents and the user's normal transaction events is very low, which leads to the existing The accuracy of the risk control system in identifying such fund theft events is low, which in turn leads to a high rate of user interruptions and affects user experience

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