Risk control method and system for digital commodities

A risk control and commodity technology, which is applied in data processing applications, instruments, trading/lease transactions, etc., can solve problems that cannot support the business expansion needs of digital commodity operators, risks cannot be estimated in advance, and difficult credit environment control and other problems , to achieve novel design, reduce quantity and probability, and reduce capital loss

Inactive Publication Date: 2022-03-22
武汉和悦数字科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0002] Traditional digital commodity risk control is mostly implemented manually by risk control agencies, but human computing power is limited, and it is difficult to control the complex credit reporting environment as a whole, resulting in cumbersome risk control processes and low efficiency
Most of the models used in traditional risk control are judged based on customer historical behavior and data, but potential future risks cannot be predicted in advance, and there are huge loopholes in risk management
With the continuous development of Internet technology and the rapid acceleration of the whole society, traditional risk control methods can no longer support the business expansion needs of digital commodity operators

Method used

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  • Risk control method and system for digital commodities

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Experimental program
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Effect test

Embodiment 1

[0037] This embodiment proposes a risk control method for digital commodities, including the following steps:

[0038] S1. Obtain the risk control rule model; obtain the message data in a standard format sent by the business party;

[0039] In step S1, obtain the message data sent by the business party, judge whether the message data conforms to the standard format, if it conforms to the standard format, proceed to step S2; if it does not conform to the standard format, then reply the business party that the message data does not have the corresponding information in the standard format .

[0040] The risk control rule model includes multiple rule sub-models; step S1 further includes: obtaining a risk level threshold in advance; and obtaining an evaluation time period in advance.

[0041] S2. Evaluate the message data according to the risk control rule model, and output the evaluation result; the evaluation result includes the risk score corresponding to the message data and ...

Embodiment 2

[0049] figure 1 It is a schematic diagram of module functions of a risk control system for digital commodities provided in this embodiment. The wind control system can be used to implement the wind control method described in Embodiment 1, which includes:

[0050] The data input layer 100 is used to obtain message data in a standard format sent by the business party;

[0051]By providing an interface to the business side, let the business side pass the message data according to the standard format. This kind of cooperation period is longer, but the cost is lower, and high-quality information can be obtained according to the standard. It is a relatively common way to build a risk control system.

[0052] The data input layer 100 is also used to: obtain the message data sent by the business party, judge whether the message data conforms to the standard format, if it conforms to the standard format, then input the message data into the data calculation layer 200; if it does not...

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Abstract

The invention provides a risk control method and system for digital commodities. The risk control method comprises the following steps: acquiring a risk control rule model; obtaining message data with a standard format sent by a service party; evaluating the message data according to the risk control rule model, and outputting an evaluation result; the evaluation result comprises a risk score corresponding to the message data and a risk level to which the risk score belongs; and managing and controlling the business party according to the evaluation result, and adjusting the risk control rule model according to the management and control effect. According to the risk control method and system provided by the invention, different from the original mode of artificially carrying out empirical risk control on transaction information users, the risk control of carrying out data modeling by collecting various indexes of a large amount of user transaction data or enterprise transaction data is more scientific and effective, the hysteresis of the traditional risk control is solved, and the risk control efficiency is improved. A more perfect risk management solution is provided for enterprises, the risk control cost is reduced, the risk control level of the enterprises is improved, and the number and probability of fund loss are reduced.

Description

technical field [0001] The present invention relates to the field of application software, in particular to a risk control method and system for digital commodities. Background technique [0002] Traditional digital commodity risk control is mostly implemented manually by risk control agencies, but human computing power is limited, and it is difficult to control the complex credit reporting environment as a whole, resulting in cumbersome risk control processes and low efficiency. Most of the models used in traditional risk control are judged based on customer historical behavior and data, but potential future risks cannot be predicted in advance, and there are huge loopholes in risk management. With the continuous development of Internet technology and the rapid acceleration of the whole society, traditional risk control methods can no longer support the business expansion needs of digital commodity operators. Contents of the invention [0003] Aiming at the above technic...

Claims

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Application Information

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IPC IPC(8): G06Q10/06G06Q30/06
CPCG06Q10/0635G06Q30/06
Inventor 郑咏希陶俊清李波
Owner 武汉和悦数字科技有限公司
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