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Transaction risk assessment method, apparatus and device, and computer readable storage medium

A risk assessment and risk scoring technology, applied in the field of big data processing, can solve the problem of low efficiency of transaction risk assessment

Active Publication Date: 2020-06-16
BEIJING DIDI INFINITY TECH & DEV
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] Embodiments of the present invention provide a transaction risk assessment method, device, device, and computer-readable storage medium. This method solves the problem that the existing transaction risk assessment method needs to access a large amount of data in real time when each consumer makes online payment. And real-time calculation of a large amount of data, which leads to technical problems of low efficiency of transaction risk assessment

Method used

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  • Transaction risk assessment method, apparatus and device, and computer readable storage medium
  • Transaction risk assessment method, apparatus and device, and computer readable storage medium
  • Transaction risk assessment method, apparatus and device, and computer readable storage medium

Examples

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Embodiment 1

[0035] figure 2 The flow chart of the method for assessing transaction risk provided by Embodiment 1 of the present invention, such as figure 2 As shown, the execution subject of this embodiment is the device for transaction risk assessment, which can be integrated on the network side equipment, and the network side equipment can be a computer, server or other equipment with independent computing and processing capabilities, then The transaction risk assessment method provided in this embodiment includes the following steps.

[0036]Step 101, if it is detected that the user equipment submits the current online order, then acquire the transaction security-related data of the user's current online order before payment and the transaction security-related data of the user's previous online order payment.

[0037] Specifically, in this embodiment, it is monitored in real time whether the user terminal submits the current network order, and if it is detected that the user termin...

Embodiment 2

[0051] image 3 The flow chart of the method for transaction risk assessment provided by Embodiment 2 of the present invention, such as image 3 As shown, the transaction risk assessment method provided in this embodiment is based on the first embodiment of the transaction risk assessment method of the present invention, and further refines steps 101-102. In this embodiment, the application scenario is the network Take the car-hailing scene as an example for illustration. Then the method for assessing transaction risk provided by this embodiment includes the following steps.

[0052] Step 201, if it is detected that the user equipment submits the current online order, then obtain the transaction security-related data of the user's current online order before payment and the transaction security-related data of the user's previous online order payment.

[0053] Further, in this embodiment, the transaction security-related data of the online order at least includes: user devic...

Embodiment 3

[0106] Figure 4 A schematic structural diagram of the transaction risk assessment device provided by Embodiment 3 of the present invention, as shown in Figure 4 As shown, the transaction risk assessment device 30 provided in this embodiment includes: a data acquisition unit 31 , a score calculation unit 32 , and a payment determination unit 33 .

[0107] Wherein, the data acquisition unit 31 is configured to acquire the transaction security-related data of the user's current network order before payment and the transaction security-related data of the user's previous network order payment if it is detected that the user equipment submits the current network order. The score calculation unit 32 is used to calculate the transaction of the current network order payment according to the transaction security-related data of the user's current network order before payment, the transaction security-related data of the user's previous network order payment and the preset transaction...

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Abstract

The invention provides a transaction risk assessment method, apparatus and device and a computer readable storage medium, and the method comprises the steps: obtaining the transaction safety relateddata of a user before the payment of a current network order and the transaction safety related data of the user during the payment of a previous network order if monitoring that the user equipment submits the current network order; transaction safety related data before payment of the current network order of the user are obtained; calculating a transaction risk score of the current online orderpayment according to the transaction safety related data of the user during the previous online order payment and a preset transaction risk scoring model; determining whether to pay the current network order or not according to the transaction risk score when the current network order is paid; according to the invention, the transaction risk score can be calculated when the user terminal submits the network order, so that the evaluation of the transaction risk is carried out in advance, the asynchronization of the network order payment and the transaction risk evaluation is realized, and the efficiency of the transaction risk evaluation is greatly improved.

Description

technical field [0001] The embodiments of the present invention relate to the technical field of big data processing, and in particular to a method, device, equipment and computer-readable storage medium for transaction risk assessment. Background technique [0002] With the continuous development of the Internet and the continuous progress of the economy, the daily services provided to people have been transferred from offline to online. People use online software to shop, hail taxis, wash cars, order food, hire hourly workers, etc. When performing these online activities, people need to submit online orders and make online payments before or after completing the corresponding services. [0003] In order to protect the interests of consumers, network software will evaluate and control transaction risks before consumers make online payments. The control of transaction risk is to judge whether the account number of the consumer's network software has been stolen, and if it ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/40G06Q20/38G06Q40/04
CPCG06Q20/4016G06Q20/382G06Q40/04
Inventor 黄泽香
Owner BEIJING DIDI INFINITY TECH & DEV