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Financial risk control method and device based on responsibility chain mode

A responsibility and risk control technology, applied in the field of financial risk control based on the chain of responsibility model, can solve problems such as bloated functions, complex implementation, and poor scalability

Pending Publication Date: 2021-02-12
南京星云数字技术有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] In the existing technology, the risk control system lays out all the steps of risk control detection one by one, and executes them sequentially. Many steps that do not need to be executed will also be executed, resulting in time-consuming system detection, poor scalability, and complicated implementation. bloated

Method used

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  • Financial risk control method and device based on responsibility chain mode
  • Financial risk control method and device based on responsibility chain mode
  • Financial risk control method and device based on responsibility chain mode

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0050] see figure 1 , this embodiment provides a financial risk control method based on the responsibility chain model, including:

[0051] Construct a mandatory database and an optional database, the mandatory database includes multiple mandatory steps for risk event detection, and the optional database includes multiple optional steps for risk event detection; select all mandatory steps from the mandatory database, Or select optional steps from the optional database at the same time, configure the detection responsibility chain of risk events; perform risk control detection on risk events based on the detection responsibility chain.

[0052] In the financial risk control method based on the chain of responsibility model provided in this embodiment, by constructing a mandatory database and an optional database, users can select mandatory steps and optional steps to configure the chain of responsibility for risk event detection according to the detection needs of risk events ...

Embodiment 2

[0075] This embodiment provides a financial risk control device based on the responsibility chain model, including:

[0076] A library building unit, configured to construct a mandatory database and an optional database, the mandatory database includes multiple mandatory steps for risk event detection, and the optional database includes multiple optional steps for risk event detection;

[0077] A configuration unit, configured to select all mandatory steps from the mandatory database, or select optional steps from the optional database at the same time, and configure the detection responsibility chain of risk events;

[0078] A detection unit, configured to perform risk control detection on the risk event based on the detection responsibility chain.

[0079] Preferably, the mandatory database includes the steps of checking required fields, event mapping, checking event status, checking interface parameters, checking event rules, calculating interface parameters, and throwing i...

Embodiment 3

[0083] This embodiment provides a computer-readable storage medium. A computer program is stored on the computer-readable storage medium. When the computer program is run by a processor, the above-mentioned steps of the financial risk control method based on the chain of responsibility mode are executed.

[0084] Compared with the prior art, the beneficial effect of the computer-readable storage medium provided by this embodiment is the same as the beneficial effect of the financial risk control method based on the chain of responsibility model provided by the above technical solution, and will not be repeated here.

[0085] Those of ordinary skill in the art can understand that all or part of the steps in the above-mentioned inventive method can be completed by instructing related hardware through a program. The above-mentioned program can be stored in a computer-readable storage medium. When the program is executed, it includes: For each step of the method in the above embodi...

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Abstract

The invention discloses a financial risk control method and device based on a responsibility chain mode, relates to the technical field of financial risk control, and improves the detection efficiencyof risk events by flexibly configuring the detection steps of the risk events. The method comprises the steps of constructing a required database and an optional database, wherein the required database comprises a plurality of required steps for risk event detection, and the optional database comprises a plurality of optional steps for risk event detection; selecting all required steps from a required database, or simultaneously selecting selectable steps from a selectable database, and configuring a detection responsibility chain of the risk event; and performing risk control detection on the risk event based on the detection responsibility chain. The device applies the method provided by the scheme.

Description

technical field [0001] The present invention relates to the technical field of financial risk control, in particular to a financial risk control method and device based on a responsibility chain model. Background technique [0002] As an important means to protect the security of user accounts, most risk events can be resolved in the intelligent risk control link. However, there are many event dimensions detected in the risk control link, such as user device information, login behavior, access characteristics, credit status, number attribution, bank card status, wool parties, false transactions, blacklists, etc. It is not an easy task to complete such a huge amount of computation in one second, or even tens of milliseconds. Therefore, how to quickly and accurately conduct risk detection without affecting user experience is a continuous goal in the field of financial risk control. [0003] In the existing technology, the risk control system lays out all the steps of risk co...

Claims

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Application Information

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IPC IPC(8): G06Q40/00
CPCG06Q40/00
Inventor 朱明王振宇周卿
Owner 南京星云数字技术有限公司
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