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Method, device and equipment for detecting merchant risk

A technology for risk detection and merchants, which is applied in the computer field and can solve problems such as risk detection

Active Publication Date: 2022-04-29
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 risk detection model constructed in the above way is only applicable to the merchants who use the above-mentioned financial applications or payment applications or a certain merchant contract management organization, but it cannot be used for newly added merchants, other applications or other merchant contract management institutions. It performs risk detection. Therefore, it is necessary to provide a technical solution with better risk prevention and control effect and further improve the utilization of data value.

Method used

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  • Method, device and equipment for detecting merchant risk
  • Method, device and equipment for detecting merchant risk
  • Method, device and equipment for detecting merchant risk

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0018] Such as figure 1 As shown, the embodiment of this specification provides a merchant risk detection method, and the execution subject of the method may be a server, and the server may be an independent server, or a server cluster composed of multiple servers. The server may be a backend server of a certain business (such as a transaction business, etc.), or a backend server of a certain application (such as a financial application, etc.). The method specifically may include the following steps:

[0019] In step S102, a risk detection request for the target merchant is received from the service initiator, the risk detection request includes a predetermined equity value, and the predetermined equity value is used to obtain the authority to perform risk detection on the target merchant.

[0020] Wherein, the service initiator may be a party that requests risk detection for a merchant, and the service initiator may send a corresponding request through a terminal device (suc...

Embodiment 2

[0036] Such as image 3 As shown, the embodiment of this specification provides a merchant risk detection method, and the execution subject of the method may be a server, and the server may be an independent server, or a server cluster composed of multiple servers. The server may be a backend server of a certain business (such as a transaction business, etc.), or a backend server of a certain application (such as a financial application, etc.). The method specifically may include the following steps:

[0037] The risk detection model may be constructed and trained through the sample data of the builder, which may specifically include the following steps S302 to S306.

[0038] In step S302, sample data provided by the builder is received.

[0039] Wherein, the sample data may be data related to the risks of merchants, and the sample data may be data of a certain business or data of multiple different businesses.

[0040] In the implementation, in order to be able to build, t...

Embodiment 3

[0099] The above is the merchant risk detection method provided by the embodiment of this specification. Based on the same idea, the embodiment of this specification also provides a merchant risk detection device, such as Figure 4 shown.

[0100] The merchant risk detection device includes: a detection request receiving module 401, a data acquisition module 402 and a risk detection module 403, wherein:

[0101] The detection request receiving module 401 receives a risk detection request for the target merchant sent by the service initiator, the risk detection request includes a predetermined equity value, and the predetermined equity value is used to obtain the authority to perform risk detection on the target merchant;

[0102] The data acquisition module 402, if the predetermined equity value is not less than the predetermined threshold, obtain predetermined risk parameter data in the risk detection model provided by at least one builder from the set of builders correspondi...

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Abstract

The embodiment of this specification discloses a merchant risk detection method, device and equipment. The method includes: receiving a risk detection request for a target merchant sent by a service initiator, the risk detection request includes a predetermined equity value, and the The predetermined equity value is used to obtain the authority to perform risk detection on the target merchant; if the predetermined equity value is not less than a predetermined threshold, then obtain the at least one builder provided by the builder set corresponding to the pre-built risk detection model. Predetermined risk parameter data in the risk detection model, and obtain the risk characteristic data corresponding to the target merchant; input the risk parameter data and the risk characteristic data corresponding to the target merchant into the risk detection model, and determine the Whether the above-mentioned target merchants are at risk, and determine the equity value required to be rewarded by the builder who provides the predetermined risk parameter data.

Description

technical field [0001] This specification relates to the field of computer technology, and in particular to a merchant risk detection method, device and equipment. Background technique [0002] With the continuous development of terminal technology and network technology, many merchants will conduct transactions and daily resource transfer activities through designated financial applications or payment applications, and in this way, the possible risks of each merchant (such as fraud risk, gambling risk, arbitrage risk, etc.) for prevention and control. [0003] Generally, the development organization of a financial application or payment application can set or build a corresponding risk detection model according to the needs of the financial application or payment application and the possible situations that may occur during the transaction through the financial application or payment application, and can pass The above risk detection model is trained using the historical d...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q20/40G06Q40/02G06Q30/02
CPCG06Q20/4016G06Q40/02G06Q30/0207
Inventor 陆梦倩汲小溪王维强
Owner ALIPAY (HANGZHOU) INFORMATION TECH CO LTD
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