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Method and device for multi-party joint training of risk assessment model for IoT machine

A technology of risk assessment models and tools, applied in the field of data security

Active Publication Date: 2020-04-17
ALIPAY (HANGZHOU) INFORMATION TECH CO LTD
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  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0003] However, behind the convenient payment, it also brings more challenges to risk control

Method used

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  • Method and device for multi-party joint training of risk assessment model for IoT machine
  • Method and device for multi-party joint training of risk assessment model for IoT machine
  • Method and device for multi-party joint training of risk assessment model for IoT machine

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Embodiment Construction

[0039] The solutions provided in this specification will be described below in conjunction with the accompanying drawings.

[0040] As mentioned earlier, risk identification and control are required for IoT equipment. In one solution, considering that the payee behind the IoT device is usually a merchant, the risk to the merchant can be assessed based on the merchant data (such as the merchant's business license, business status, etc.) collected in a certain payment platform (such as Alipay). Identification and control, so as to realize the risk management and control of the IoT equipment used by the merchant. However, this kind of merchant-based risk control scheme is greatly affected by the quality of merchant data. For most mid- and long-tail merchants (such as small merchants, merchants with low turnover, etc.) and new merchants, there are often merchant data data Issues such as small quantity and missing key information lead to low accuracy of risk identification.

[00...

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Abstract

The embodiment of the invention provides a method for multi-party joint training of a risk assessment model for an IoT machine. The multiple parties comprise a machine end computing node, a merchant end computing node and a payment platform computing node which are used for respectively storing machine privacy data of a plurality of machines, binding merchant privacy data of a plurality of merchants of the plurality of machines and payment privacy data related to the plurality of merchants, and respectively maintaining partial parameters in the risk assessment model. In addition, the payment platform computing node also stores a machine risk tag. According to the method, a machine tool end computing node and a merchant end computing node determine an intermediate computing result based onstored private data and maintained partial parameters, and a payment platform computing node computes the intermediate computing result based on the stored private data, the maintained partial parameters and labels. And then, the three parties provide respective calculated intermediate calculation results based on a secure multi-party calculation MPC technology, determine training loss, and then respectively adjust partial maintained model parameters.

Description

technical field [0001] One or more embodiments of this specification relate to the field of data security technology, and in particular to a method and device for multi-party joint training of a risk assessment model for IoT devices. Background technique [0002] IoT (Internet of Things, Internet of Things) machine tool is a smart terminal applied to merchants to collect payments, which can facilitate merchants to collect payments, and at the same time can bring users convenient and fast payment experience. For example, IoT devices can support face payment, so that users do not need to use their own mobile terminals (such as smartphones or wearable devices) to make payments, thereby simplifying the payment process. [0003] However, behind the convenience of payment, it also brings more challenges to risk control. For example, because users can complete payment operations without using mobile terminals, the data available for risk control is reduced. For another example, d...

Claims

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Application Information

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IPC IPC(8): G06Q20/40G06Q20/38
CPCG06Q20/3823G06Q20/4016
Inventor 郑霖陆梦倩傅欣艺汲小溪王维强
Owner ALIPAY (HANGZHOU) INFORMATION TECH CO LTD
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