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Data processing method and device

A processing method and number of technologies, applied in the Internet field, can solve problems such as inability to manage whitelists

Active Publication Date: 2020-02-11
ALIPAY (HANGZHOU) INFORMATION TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, the existing whitelist management solutions mainly include manual entry based on expert experience and setting static thresholds to manage the entry and exit of the whitelist, and cannot manage the whitelist effectively in real time

Method used

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Embodiment Construction

[0088] In order to make the above objects, features and advantages of the present invention more comprehensible, specific implementations of the present invention will be described in detail below in conjunction with the accompanying drawings.

[0089] In the following description, many specific details are set forth in order to fully understand the present invention, but the present invention can also be implemented in other ways than those described here, so the present invention is not limited by the specific embodiments disclosed below.

[0090] The business system generally includes a risk control system based on risk data, which includes a series of business rules, including rules about user complaints, merchant appeals, merchant whitelist entry and exit, and so on.

[0091] For example, after a user discovers that a transaction with a merchant is risky (for example, funds theft), the user can complain to the system about the merchant, and the system can analyze the trans...

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Abstract

The invention provides a data processing method and device. Specifically, the invention provides a white list processing method comprising the steps that the transaction risk rate of each merchant ina white list in a first period is acquired, and the transaction risk rate of the merchant in the first period is the ratio of the number of risk transactions that the merchant has occurred in the first period to the total number of transactions; a confidence interval of the transaction risk rate of each merchant in the white list in a first period is determined as a first confidence interval; a transaction risk rate of a first merchant is determined in the first period; and a judgment is made whether to add the first merchant into the white list according to the first confidence interval and the transaction risk rate of the first merchant.

Description

technical field [0001] The present invention generally relates to the Internet field, and in particular relates to a method and a device for managing the entry and exit of a merchant white list. Background technique [0002] On the Internet platform, in order to improve the user experience of high-quality merchants, it is hoped to reduce the interruption rate of merchants while ensuring the security of the trading platform. Generally speaking, credit data can be used to determine the white list of merchants, and provide priority services to merchants in the white list, so as to achieve risk control and improve user experience. However, the existing whitelist management schemes mainly include manual entry based on expert experience and setting static thresholds to manage the entry and exit of the whitelist, which cannot effectively manage the whitelist in real time. [0003] Therefore, there is an urgent need for an efficient solution for managing merchant whitelist entry an...

Claims

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Application Information

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IPC IPC(8): G06Q10/06G06Q30/06
CPCG06Q30/0609G06Q10/0635
Inventor 冯菁菁胡圻圻冯力国
Owner ALIPAY (HANGZHOU) INFORMATION TECH CO LTD