Risk control method, device, apparatus and medium for user payment behavior

A risk control and behavior technology, applied in the field of data processing, can solve the problems of inability to detect transaction behavior risks in real time and accurately, and inability to intercept risky transactions, so as to reduce property losses and improve security.

Active Publication Date: 2019-03-29
华青融天(北京)软件股份有限公司
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  • Application Information

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However, the above-mentioned manual methods and traditional web systems cannot accurately detect t...

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  • Risk control method, device, apparatus and medium for user payment behavior
  • Risk control method, device, apparatus and medium for user payment behavior
  • Risk control method, device, apparatus and medium for user payment behavior

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[0053] In order to make the purpose, technical solutions and advantages of the embodiments of the present application clearer, 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 embodiments are only It is a part of the embodiments of this application, not all of them. The components of the embodiments of the application generally described and illustrated in the figures herein may be arranged and designed in a variety of different configurations. Accordingly, the following detailed description of the embodiments of the application provided in the accompanying drawings is not intended to limit the scope of the claimed application, but merely represents selected embodiments of the application. Based on the embodiments of the present application, all other embodiments obtained by those skilled in the art without...

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Abstract

The present application provides a risk control method, device, apparatus and medium for user payment behavior, which relates to the technical field of data processing. The method comprises the following steps: acquiring a plurality of historical transaction result sample data corresponding to user payment behavior; Taking the transaction behavior characteristics and transaction behavior attributes in the sample data of historical transaction results as the input and output of semi-supervised clustering model respectively, constructing and training the semi-supervised clustering model to obtain the risk identification results; Inputting the transaction data corresponding to the user's payment behavior into the trained risk identification model to obtain the risk identification result; According to the risk identification result and the service type corresponding to the transaction data to be identified, determining the response operation to the transaction data to be identified. The present application is capable of risk identification in milliseconds with high speed and accuracy. The application can also automatically intercept the high-risk payment behavior, thereby improving thesecurity of the payment behavior of the user and reducing the property loss of the user.

Description

technical field [0001] The present application relates to the technical field of data processing, in particular, to a risk control method, device, equipment and medium for user payment behavior. Background technique [0002] With the comprehensive opening up and deepening reform of my country's banks, the continuous development of Internet finance and the full rollout of e-banking and mobile banking transaction systems, the fraud risks of user-targeted transaction behaviors arising from these new business models are also frequently occurring. All kinds of cross-business and cross-line fraud risks emerge in endlessly. [0003] At present, the above-mentioned risk control methods for users' transaction behaviors are mainly as follows: bank business personnel manually identify transaction behaviors or use traditional web systems to analyze limited data. However, the above-mentioned manual method and the traditional web system cannot accurately detect the risks of transaction be...

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Application Information

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IPC IPC(8): G06Q20/38G06Q20/40G06K9/62
CPCG06Q20/382G06Q20/4016G06F18/214
Inventor 任玉坤蒋鹏苏禹磨李文刘紫群张佳
Owner 华青融天(北京)软件股份有限公司
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