Risk control method and device for payment transaction

Abstract

The application provides a risk control method and device for payment transaction, and relates to the technical field of computer data processing.The method comprises the following steps: constructing a risk space, wherein the dimensions of the risk space correspond to selected risk types one by one; classifying historical payment transactions of a bank according to the historical payment transactions of the bank to obtain a plurality of payment transaction sets; determining the coordinates of each payment transaction set in the risk space; receiving a payment transaction initiated by a customer and obtaining a plurality of paid transaction data corresponding to the current time; determining the coordinate values of the current time and the current payment in the risk space according to the coordinate values of the payment transaction sets in the risk space; and controlling the risk of the current payment according to the coordinate values of the current time and the current payment in the risk space.

Description

TECHNICAL FIELD

[0001] The present application relates to the technical field of computer data processing, and particularly relates to a risk control method and device for payment transaction. BACKGROUND

[0002] This section is intended to provide background information to facilitate an understanding of embodiments of the application as set forth in the claims. The description herein does not constitute an admission that any of the information provided herein is prior art.

[0003] At present, customers may face various risks in the process of payment transaction, which may cause fund security problems. For example, after a customer uses one or more payment accounts to make a payment, the customer needs to use other accounts to make a payment due to the failure to meet the payment amount, and the user identity authentication is usually required when using the other accounts, so that the payment process of the customer is too complicated, and the customer experience is reduced. If the security strength of the identity authentication is relatively low, a payment risk may be generated, and the customer property may be damaged.

[0004] In summary, there is an urgent need for a technical solution which can overcome the above-mentioned defects and effectively control the risk of the payment transaction of the customer. SUMMARY

[0005] To solve the problems in the prior art, the present application provides a risk control method and device for payment transaction.

[0006] In a first aspect of the embodiments of the present application, a risk control method for payment transaction is provided, comprising:

[0007] constructing a risk space, wherein the dimensions of the risk space correspond to the selected risk types one by one;

[0008] According to the historical payment transactions of the bank, the historical payment transactions of the bank are classified to obtain a plurality of payment transaction sets;

[0009] For each payment transaction set, the coordinates of the payment transaction set in the risk space are determined;

[0010] Receiving a payment transaction initiated by a customer and obtaining a plurality of paid transaction data corresponding to the current time;

[0011] According to the coordinate values of the payment transaction sets in the risk space, the coordinate values of the current time in the risk space and the coordinate values of the current payment in the risk space are determined;

[0012] According to the coordinate values of the current time in the risk space and the coordinate values of the current payment in the risk space, the current payment is controlled.

[0013] In a second aspect of the embodiments of the present application, a risk control device for payment transaction is provided, comprising:

[0014] a constructing module, configured to construct a risk space, wherein dimensions of the risk space correspond to selected risk types one by one;

[0015] a classifying module, configured to classify historical payment transactions of the bank according to the historical payment transactions of the bank, to obtain a plurality of payment transaction sets;

[0016] a coordinate determining module, configured to determine, for each payment transaction set, a coordinate of the payment transaction set in the risk space;

[0017] a receiving module, configured to receive a payment transaction initiated by a customer, and acquire a plurality of paid transaction data corresponding to a current time;

[0018] a coordinate value determining module, configured to determine, according to the coordinate value of the payment transaction set in the risk space, a coordinate value of the current time in the risk space and a coordinate value of the current payment in the risk space;

[0019] a risk control module, configured to perform risk control on the current payment according to the coordinate value of the current time in the risk space and the coordinate value of the current payment in the risk space.

[0020] In a third aspect of the embodiments of the present application, a computer device is provided, which comprises a memory, a processor, and a computer program stored in the memory and capable of running on the processor, and the processor implements the risk control method of the payment transaction when executing the computer program.

[0021] In a fourth aspect of the embodiments of the present application, a computer readable storage medium is provided, which stores a computer program, and the computer program implements the risk control method of the payment transaction when executed by a processor.

[0022] In a fifth aspect of the embodiments of the present application, a computer program product is provided, which comprises a computer program, and the computer program implements the risk control method of the payment transaction when executed by a processor.

[0023] The risk control method and device for payment transaction provided by the application build a risk space, wherein the dimensions of the risk space correspond to selected risk types one by one; according to the historical payment transactions of a bank, the historical payment transactions of the bank are classified to obtain a plurality of payment transaction sets; for each payment transaction set, the coordinates of the payment transaction set in the risk space are determined; a payment transaction initiated by a customer is received, and a plurality of paid transaction data corresponding to the current time are obtained; according to the coordinate values of the payment transaction sets in the risk space, the coordinate value of the current time in the risk space and the coordinate value of the current payment in the risk space are determined; and according to the coordinate value of the current time in the risk space and the coordinate value of the current payment in the risk space, the current payment is controlled. The application can effectively control the risk of the payment transaction of the customer, improve the security of the payment of the customer, protect the property safety of the customer, improve the efficiency of the payment transaction of the customer, improve the payment experience of the customer, and meet different payment needs of the customer. BRIEF DESCRIPTION OF DRAWINGS

[0024] In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings needed in the embodiment description will be briefly introduced. Obviously, the drawings in the following description are some embodiments of the present application, and other drawings can be obtained by those skilled in the art without creative labor.

[0025] Figure 1 It is a payment transaction risk control method flowchart of an embodiment of the present application.

[0026] Figure 2 It is a flowchart of classifying the historical payment transactions of a bank of an embodiment of the present application.

[0027] Figure 3 It is a flowchart of determining the coordinates of the payment transaction set in the risk space of an embodiment of the present application.

[0028] Figure 4 It is a flowchart of determining the coordinate value of the current time in the risk space and the coordinate value of the current payment in the risk space of an embodiment of the present application.

[0029] Figure 5 It is a flowchart of controlling the risk of the current payment according to the coordinate value of the current time in the risk space and the coordinate value of the current payment in the risk space of an embodiment of the present application.

[0030] Figure 6 It is a payment transaction risk control device architecture diagram of an embodiment of the present application.

[0031] Figure 7 It is a computer device structure diagram of an embodiment of the present application. DETAILED DESCRIPTION

[0032] The principles and spirits of the present application will be described below with reference to several exemplary embodiments. It should be understood that these embodiments are given only to enable those skilled in the art to better understand and implement the present application, and in no way limit the scope of the present application. On the contrary, these embodiments are provided to make the present disclosure more thorough and complete, and to fully convey the scope of the present disclosure to those skilled in the art.

[0033] Those skilled in the art know that the embodiments of the present application can be implemented as a system, device, apparatus, method or computer program product. Therefore, the present disclosure can be embodied in the form of a complete hardware, complete software (including firmware, resident software, microcode, etc.), or a combination of hardware and software.

[0034] According to the embodiments of the present application, a risk control method and device for payment transaction are provided, which relate to the technical field of computer data processing.

[0035] In actual application scenarios, the balance is often not enough during the payment process of the customer. For example, the customer has already made payments with multiple payment accounts (such as bank systems a, b, etc.), but the amount of the payment still cannot meet the required payment amount, and the customer still needs to make a payment with other payment accounts (such as bank system c). However, when making a payment with other payment accounts, a problem is faced, that is, whether the face verification needs to be performed for the current payment (i.e., making a payment with other payment accounts). If the identity authentication needs to be performed every time when making a payment with other accounts, the payment process is too cumbersome, which reduces the customer experience. If the security strength of the identity authentication is low, a payment risk is generated, which may cause property loss to the customer. In view of this problem, the present application determines whether the identity authentication needs to be performed through specific risk analysis. Considering that the multiple payment accounts have already been subjected to user identity authentication and completed payment before initiating the payment transaction, the present application realizes the risk control of the payment transaction by analyzing the paid data and the current transaction.

[0036] The acquisition, storage, use, processing, etc. of the face verification data and other data in the technical solution of the present application all comply with the relevant provisions of the national laws and regulations.

[0037] The principles and spirits of the present application will be described below with reference to several exemplary embodiments. It should be understood that these embodiments are given only to enable those skilled in the art to better understand and implement the present application, and in no way limit the scope of the present application. On the contrary, these embodiments are provided to make the present disclosure more thorough and complete, and to fully convey the scope of the present disclosure to those skilled in the art.

[0038] Figure 1 is a flowchart of a risk control method for payment transaction according to an embodiment of the present application. As shown in Figure 1 , the method comprises:

[0039] S1, constructing a risk space, wherein the dimensions of the risk space correspond to the selected risk types one by one;

[0040] In the actual application scenario, the selected risk type is the risk type of the bank, which refers to the risk type related to the payment transaction.

[0041] S2, according to the historical payment transaction of the bank, classifying the historical payment transaction of the bank to obtain a plurality of payment transaction sets;

[0042] S3, for each payment transaction set, determining the coordinate of the payment transaction set in the risk space;

[0043] S4, receiving the payment transaction initiated by the customer, and obtaining a plurality of paid transaction data corresponding to the current time;

[0044] In the actual application scenario, the paid transaction data is the data of the payment transaction completed by the customer using a plurality of payment accounts (for example, bank systems a, b, etc.); the payment transaction initiated by the customer is the payment transaction initiated by the customer using other payment accounts (for example, bank system c). In this regard, in S4, when the payment transaction initiated by the customer is received, a plurality of paid transaction data corresponding to the current time (the time when the bank server receives the "payment transaction initiated by the customer") is also obtained.

[0045] S5, according to the coordinate value of the payment transaction set in the risk space, determining the coordinate value of the current time in the risk space and the coordinate value of the current payment in the risk space;

[0046] Among them, the current payment refers to the payment transaction initiated by the customer (in S4).

[0047] S6, according to the coordinate value of the current time in the risk space and the coordinate value of the current payment in the risk space, performing risk control on the current payment.

[0048] In order to more clearly explain the above payment transaction risk control method, the following will be described in detail in combination with each step.

[0049] In S1, a risk space is constructed, wherein the dimensions of the risk space correspond to the selected risk types one by one.

[0050] In S2, according to the historical payment transaction of the bank, the historical payment transaction of the bank is classified to obtain a plurality of payment transaction sets, including: Figure 2

[0051] S21, constructing a transaction category space, wherein the dimensions of the transaction category space correspond to the transaction categories one by one;

[0052] ​S22, classifying the historical payment transactions of the bank according to the bank systems to which the payment accounts of the historical payment transactions belong and the bank systems to which the counterparty accounts of the historical payment transactions belong, to obtain a plurality of payment transaction categories;

[0053] S23, for each historical payment transaction of the bank, determining a first coordinate value of the historical payment transaction in the transaction category space according to the transaction data of the payment customer corresponding to the historical payment transaction, wherein the first coordinate value of each dimension of the historical payment transaction in the transaction category space is equal to the number of transactions of the transaction category corresponding to the dimension in the transaction data of the payment customer corresponding to the historical payment transaction;

[0054] S24, for each historical payment transaction of the bank, determining a second coordinate value of the historical payment transaction in the transaction category space according to the transaction data of the payment counterparty corresponding to the historical payment transaction, wherein the second coordinate value of each dimension of the historical payment transaction in the transaction category space is equal to the number of transactions of the transaction category corresponding to the dimension in the transaction data of the payment counterparty corresponding to the historical payment transaction;

[0055] S25, determining a first payment distance function and a second payment distance function according to the first coordinate value and the second coordinate value of the historical payment transactions in the transaction category space, wherein the function value of the first payment distance function corresponding to any two historical payment transactions is the distance of the first coordinate value of the two historical payment transactions in the transaction category space, and the function value of the second payment distance function corresponding to any two historical payment transactions is the distance of the second coordinate value of the two historical payment transactions in the transaction category space;

[0056] S26, clustering each historical payment transaction category according to the first payment distance function and the second payment distance function to obtain a plurality of payment transaction sets corresponding to the payment transaction category.

[0057] In S3, refer to Figure 3 For each payment transaction set, determining the coordinates of the payment transaction set in the risk space, comprising:

[0058] S31, setting a payment quantity threshold;

[0059] S32, for each payment transaction set, dividing the payment transaction set into a plurality of payment transaction subsets in chronological order, wherein the number of payment transactions contained in each payment transaction subset is greater than the payment quantity threshold;

[0060] S33, for each selected risk type, taking the proportion of payment transactions involving the risk type in each payment transaction subset as the proportion sample corresponding to the risk type;

[0061] S34, determine the coordinate value of the payment transaction set in the risk space of each dimension of the risk space as the mean value of the proportional sample corresponding to the risk type corresponding to the dimension.

[0062] In S4, receive the payment transaction initiated by the client, and obtain a plurality of paid transaction data corresponding to the current time.

[0063] In S5, refer to Figure 4 , determine the coordinate value of the current time in the risk space and the coordinate value of the current payment in the risk space according to the coordinate value of the payment transaction set in the risk space, including:

[0064] S51, for each paid transaction data, determine the payment transaction set corresponding to the paid transaction data;

[0065] S52, determine the coordinate value of the paid transaction data in the risk space according to the coordinate value of the payment transaction set corresponding to each paid transaction data in the risk space;

[0066] S53, for each dimension of the risk space, determine the coordinate value of the current time in the risk space of the dimension as the minimum value of the coordinate value of the plurality of paid data in the risk space of the dimension;

[0067] S54, determine the payment transaction set corresponding to the current payment, and determine the coordinate value of the current payment in the risk space according to the coordinate value of the payment transaction set corresponding to the current payment in the risk space.

[0068] In an embodiment, (S51) for each paid transaction data, determine the payment transaction set corresponding to the paid transaction data, including:

[0069] S511, for each paid transaction data, determine the payment transaction category corresponding to the paid transaction data according to the bank system to which the payment account of the paid transaction data belongs and the bank system to which the counterparty account of the paid transaction data belongs;

[0070] S512, determine the first coordinate value of each paid transaction data in the transaction category space according to the transaction data of the client, wherein the first coordinate value of each dimension of the paid transaction data in the transaction category space is equal to the transaction quantity of the transaction category corresponding to the dimension in the transaction data of the client;

[0071] S513, determine the second coordinate value of each paid transaction data in the transaction category space according to the transaction data of the payment counterparty corresponding to the current payment, wherein the second coordinate value of each dimension of the paid transaction data in the transaction category space is equal to the transaction quantity of the transaction category corresponding to the dimension in the transaction data of the payment counterparty corresponding to the current payment;

[0072] S514, for each paid transaction data, taking each payment transaction set corresponding to the payment transaction category corresponding to the paid transaction data as the first distance corresponding to the payment transaction set, taking the distance between the second coordinate value of the paid transaction data in the transaction category space and the second coordinate value of the payment transaction set in the transaction category space as the second distance corresponding to the payment transaction set;

[0073] S515, determining the partial order of the payment transaction category corresponding to the paid transaction data according to the first coordinate value and the second coordinate value in the transaction category space, wherein the partial order is used to determine whether the first payment transaction set is better than the second payment transaction set in any two payment transaction sets corresponding to the payment transaction category; if the first distance corresponding to the first payment transaction set is less than or equal to the first distance corresponding to the second payment transaction set, and the second distance corresponding to the first payment transaction set is less than or equal to the second distance corresponding to the second payment transaction set, it is determined that the first payment transaction set is better than the second payment transaction set;

[0074] S516, determining the maximal payment transaction set corresponding to the paid transaction data according to the partial order of the payment transaction category corresponding to the paid transaction data, wherein the maximal payment transaction set is the maximal element of the payment transaction set corresponding to the payment transaction category in the partial order;

[0075] S517, determining the payment transaction set corresponding to the paid transaction data according to the maximal payment transaction set corresponding to the paid transaction data.

[0076] Specifically, (S516) determining the maximal payment transaction set corresponding to the paid transaction data according to the partial order of the payment transaction category corresponding to the paid transaction data, comprises:

[0077] S516-1, initializing the pending payment set and the comparison payment set to all payment transaction sets corresponding to the payment transaction category corresponding to the paid transaction data;

[0078] S516-2, the following three steps are executed in a loop until the pending payment set is empty:

[0079] taking the payment transaction set a corresponding to the minimum first distance from the pending payment set, and performing partial order comparison between the payment transaction set a and each payment transaction set b (except the payment transaction set a) in the comparison payment set according to the partial order of the payment transaction category corresponding to the paid transaction data;

[0080] If the payment transaction set b is better than the payment transaction set a, the payment transaction set a is deleted from the pending payment set; if the payment transaction set a is better than the payment transaction set b, the payment transaction set b is deleted from the pending payment set, and the payment transaction set b is determined as the next payment transaction set of the payment transaction set a;

[0081] If it is confirmed according to the partial order of the payment transaction category corresponding to the paid transaction data that each payment transaction set in the pending payment set is not better than the payment transaction set a, the payment transaction set a is determined as the maximal payment transaction set corresponding to the paid transaction data, and the payment transaction set a is deleted from the pending payment set, and all next payment transaction sets of the payment transaction set a are deleted from the pending payment set.

[0082] In an embodiment, (S54) determining the payment transaction set corresponding to the current payment comprises:

[0083] S541, determining the payment transaction category corresponding to the current payment according to the bank system to which the payment account of the current payment belongs and the bank system to which the counterparty account of the current payment belongs;

[0084] S542, determining the first coordinate value of the current payment in the transaction category space according to the transaction data of the customer, wherein the first coordinate value of each dimension of the current payment in the transaction category space is equal to the transaction quantity of the transaction category corresponding to the dimension in the transaction data of the customer;

[0085] S543, determining the second coordinate value of the current payment in the transaction category space according to the transaction data of the payment counterparty corresponding to the current payment, wherein the second coordinate value of each dimension of the current payment in the transaction category space is equal to the transaction quantity of the transaction category corresponding to the dimension in the transaction data of the payment counterparty corresponding to the current payment;

[0086] S544, taking the distance between the first coordinate value of each payment transaction set corresponding to the payment transaction category corresponding to the current payment in the transaction category space and the first coordinate value of the current payment in the transaction category space as the third distance corresponding to the payment transaction set, and taking the distance between the second coordinate value of each payment transaction set corresponding to the payment transaction category corresponding to the current payment in the transaction category space and the second coordinate value of the current payment in the transaction category space as the fourth distance corresponding to the payment transaction set;

[0087] S545, determining a partial order of the payment transaction category corresponding to the current payment according to the first coordinate value and the second coordinate value in the transaction category space, wherein the partial order is used to determine whether a third payment transaction set is better than a fourth payment transaction set in any two payment transaction sets corresponding to the current payment; if a third distance corresponding to the third payment transaction set is less than or equal to a third distance corresponding to the fourth payment transaction set, and a fourth distance corresponding to the third payment transaction set is less than or equal to a fourth distance corresponding to the fourth payment transaction set, it is determined that the third payment transaction set is better than the fourth payment transaction set;

[0088] S546, determining a maximal payment transaction set corresponding to the current payment according to the partial order of the payment transaction category corresponding to the current payment, wherein the maximal payment transaction set is a maximal element of the payment transaction set corresponding to the payment transaction category in the partial order;

[0089] S547, determining a payment transaction set corresponding to the current payment according to the maximal payment transaction set corresponding to the current payment.

[0090] In S6, referring to Figure 5 , performing risk control on the current payment according to the coordinate value of the current moment in the risk space and the coordinate value of the current payment in the risk space, including:

[0091] S61, for each selected risk type, determining the size relationship between the coordinate value of the dimension corresponding to the risk type in the risk space of the current moment and the coordinate value of the dimension corresponding to the risk type in the risk space of the current payment; if the coordinate value of the dimension corresponding to the risk type in the risk space of the current moment is greater than the coordinate value of the dimension corresponding to the risk type in the risk space of the current payment, the selected risk type is taken as the risk type corresponding to the current payment;

[0092] S62, performing risk control on the current payment according to the risk type corresponding to the current payment.

[0093] Further, (S62) performing risk control on the current payment according to the risk type corresponding to the current payment, including:

[0094] When the risk type corresponding to the current payment is empty, no risk control is performed on the current payment.

[0095] In an embodiment, (S62) performing risk control on the current payment according to the risk type corresponding to the current payment, including:

[0096] S621, obtaining each user authentication mode of the bank system to which the payment account of the current payment belongs and authentication data of each user authentication mode;

[0097] S622, for each user authentication manner of the bank system to which the payment account of the current payment belongs, determining, according to authentication data of the user authentication manner, a probability of the user authentication manner corresponding to each risk type of the current payment;

[0098] S623, for each user authentication manner of the bank system to which the payment account of the current payment belongs, if the probability of the user authentication manner corresponding to each risk type of the current payment is less than a set threshold, taking the user authentication manner as a candidate authentication manner corresponding to the current payment;

[0099] S624, for each candidate authentication manner corresponding to the current payment, determining a priority index corresponding to the candidate authentication manner according to the probability of the candidate authentication manner corresponding to each risk type of the current payment; wherein the greater the probability, the smaller the priority index;

[0100] S625, determining a user authentication manner corresponding to the current payment according to the priority index corresponding to each candidate authentication manner corresponding to the current payment.

[0101] Specifically, (S624) for each candidate authentication manner corresponding to the current payment, determining a priority index corresponding to the candidate authentication manner according to the probability of the candidate authentication manner corresponding to each risk type of the current payment; wherein the greater the probability, the smaller the priority index, including:

[0102] S624-1, taking a square root of a sum of squares of the probability of the candidate authentication manner corresponding to each risk type of the current payment as a risk norm of the candidate authentication manner corresponding to the current payment;

[0103] S624-2, determining the priority index corresponding to the candidate authentication manner according to the risk norm of the candidate authentication manner corresponding to the current payment.

[0104] For example, the priority index corresponding to the candidate authentication manner is determined as an inverse of the risk norm of the candidate authentication manner corresponding to the current payment.

[0105] Specifically, (S625) determining a user authentication manner corresponding to the current payment according to the priority index corresponding to each candidate authentication manner corresponding to the current payment, including:

[0106] S625-1, sorting each candidate authentication manner corresponding to the current payment;

[0107] S625-2, for each candidate authentication manner corresponding to the current payment, taking a ratio of a sum of the priority indexes corresponding to all candidate authentication manners before the candidate authentication manner in the sorting to a sum of the priority indexes corresponding to all candidate authentication manners corresponding to the current payment as a left boundary value corresponding to the candidate authentication manner;

[0108] S625-3, select a random number generator with a range of values ​​between 0 and 1 that satisfies a uniform distribution;

[0109] S625-4, generating a random number using a random number generator, and using the random number as the random number corresponding to the current payment;

[0110] S625-5, selecting an authentication method whose corresponding left boundary value is less than the random number corresponding to the current payment from the authentication methods corresponding to the current payment;

[0111] S625-6: The selected authentication method with the largest left boundary value is used as the user authentication method corresponding to the current payment.

[0112] It should be noted that although the operations of the method of the present invention are described in a specific order in the above embodiments and drawings, this does not require or imply that these operations must be performed in this specific order, or that all illustrated operations must be performed to achieve the desired results. Additionally or alternatively, certain steps may be omitted, multiple steps may be combined into one step, and / or one step may be broken down into multiple steps.

[0113] After introducing the method of the exemplary embodiment of the present invention, next, reference is made to Figure 6 A risk control device for payment transactions according to an exemplary embodiment of the present invention is introduced.

[0114] The implementation of the risk control device for payment transactions can be referenced to the implementation of the above-mentioned method, and any repetitions will not be repeated. The terms "module" or "unit" used below may refer to a combination of software and / or hardware that implements a predetermined function. Although the devices described in the following embodiments are preferably implemented in software, implementation using hardware, or a combination of software and hardware, is also possible and contemplated.

[0115] Based on the same inventive concept, the present invention also proposes a risk control device for payment transactions, such as Figure 6 As shown, the device includes:

[0116] A construction module 610 is used to construct a risk space, wherein the dimensions of the risk space correspond one-to-one to the selected risk types;

[0117] a classification module 620 for classifying the bank's historical payment transactions based on the bank's historical payment transactions to obtain a plurality of payment transaction sets;

[0118] A coordinate determination module 630 is configured to determine, for each payment transaction set, the coordinates of the payment transaction set in the risk space;

[0119] The receiving module 640 is configured to receive a payment transaction initiated by a customer and acquire a plurality of paid transaction data corresponding to a current time;

[0120] The coordinate value determining module 650 is configured to determine a coordinate value of the current time in the risk space and a coordinate value of the current payment in the risk space according to the coordinate value of the payment transaction set in the risk space.

[0121] The risk control module 660 is configured to perform risk control on the current payment according to the coordinate value of the current time in the risk space and the coordinate value of the current payment in the risk space.

[0122] In an embodiment, the classification module is specifically configured to:

[0123] construct a transaction category space, wherein the dimensions of the transaction category space correspond to the transaction categories one by one;

[0124] classify the historical payment transactions of the bank according to the bank systems to which the payment accounts of the historical payment transactions belong and the bank systems to which the counterparty accounts of the historical payment transactions belong, to obtain a plurality of payment transaction categories;

[0125] For each historical payment transaction of the bank, determine a first coordinate value of the historical payment transaction in the transaction category space according to the transaction data of the payment customer corresponding to the historical payment transaction, wherein the first coordinate value of each dimension of the historical payment transaction in the transaction category space is equal to the number of transactions of the transaction category corresponding to the dimension in the transaction data of the payment customer corresponding to the historical payment transaction;

[0126] For each historical payment transaction of the bank, determine a second coordinate value of the historical payment transaction in the transaction category space according to the transaction data of the payment counterparty corresponding to the historical payment transaction, wherein the second coordinate value of each dimension of the historical payment transaction in the transaction category space is equal to the number of transactions of the transaction category corresponding to the dimension in the transaction data of the payment counterparty corresponding to the historical payment transaction;

[0127] determine a first payment distance function and a second payment distance function according to the first coordinate value and the second coordinate value of the historical payment transaction in the transaction category space, wherein the function value of the first payment distance function corresponding to any two historical payment transactions is the distance between the first coordinate values of the two historical payment transactions in the transaction category space, and the function value of the second payment distance function corresponding to any two historical payment transactions is the distance between the second coordinate values of the two historical payment transactions in the transaction category space;

[0128] cluster each historical payment transaction category according to the first payment distance function and the second payment distance function, to obtain a plurality of payment transaction sets corresponding to the payment transaction category.

[0129] In an embodiment, the coordinate determining module is specifically configured to:

[0130] setting a payment quantity threshold;

[0131] dividing, for each payment transaction set, the payment transaction set into a plurality of payment transaction subsets in chronological order, wherein each payment transaction subset contains a quantity of payment transactions greater than the payment quantity threshold;

[0132] for each selected risk type, taking a proportion of payment transactions in each payment transaction subset involving the risk type as a proportion sample corresponding to the risk type;

[0133] determining a coordinate value of the payment transaction set in each dimension of the risk space as a mean value of the proportion samples corresponding to the risk type corresponding to the dimension.

[0134] In an embodiment, the coordinate determining module is specifically configured to:

[0135] for each paid transaction data, determining a payment transaction set corresponding to the paid transaction data;

[0136] determining a coordinate value of the paid transaction data in the risk space according to a coordinate value of the payment transaction set corresponding to each paid transaction data in the risk space;

[0137] for each dimension of the risk space, determining a coordinate value of the dimension of the risk space at the current moment as a minimum value of the coordinate values of the dimension of the risk space of the plurality of paid data;

[0138] determining a payment transaction set corresponding to the current payment, and determining a coordinate value of the current payment in the risk space according to a coordinate value of the payment transaction set corresponding to the current payment in the risk space.

[0139] In an embodiment, the coordinate determining module is specifically configured to:

[0140] for each paid transaction data, determining a payment transaction category corresponding to the paid transaction data according to a bank system to which a payment account of the paid transaction data belongs and a bank system to which a counterparty account of the paid transaction data belongs;

[0141] determining a first coordinate value of each paid transaction data in the transaction category space according to the transaction data of the customer, wherein the first coordinate value of each dimension of the paid transaction data in the transaction category space is equal to a transaction quantity of the transaction category corresponding to the dimension in the transaction data of the customer;

[0142] determine a second coordinate value of each paid transaction data in the transaction category space according to the transaction data of the payment counterparty corresponding to the current payment, wherein the second coordinate value of each dimension of the paid transaction data in the transaction category space is equal to the number of transactions of the transaction category corresponding to the dimension in the transaction data of the payment counterparty corresponding to the current payment;

[0143] for each paid transaction data, determine a first distance corresponding to each payment transaction set corresponding to the payment transaction category of the paid transaction data in the transaction category space as the distance between the first coordinate value of the payment transaction set and the first coordinate value of the paid transaction data in the transaction category space, and determine a second distance corresponding to each payment transaction set corresponding to the payment transaction category of the paid transaction data in the transaction category space as the distance between the second coordinate value of the payment transaction set and the second coordinate value of the paid transaction data in the transaction category space;

[0144] determine a partial order of the payment transaction category corresponding to the paid transaction data according to the first coordinate value and the second coordinate value in the transaction category space, wherein the partial order is used to determine whether a first payment transaction set is better than a second payment transaction set in any two payment transaction sets corresponding to the payment transaction category; if the first distance corresponding to the first payment transaction set is less than or equal to the first distance corresponding to the second payment transaction set, and the second distance corresponding to the first payment transaction set is less than or equal to the second distance corresponding to the second payment transaction set, it is determined that the first payment transaction set is better than the second payment transaction set;

[0145] determine a maximal payment transaction set corresponding to the paid transaction data according to the partial order of the payment transaction category corresponding to the paid transaction data, wherein the maximal payment transaction set is a maximal element of the payment transaction set corresponding to the payment transaction category in the partial order;

[0146] determine a payment transaction set corresponding to the paid transaction data according to the maximal payment transaction set corresponding to the paid transaction data.

[0147] In an embodiment, the coordinate value determination module is specifically configured to:

[0148] determine a payment transaction category corresponding to the current payment according to the bank system to which the payment account of the current payment belongs and the bank system to which the counterparty account of the current payment belongs;

[0149] determine a first coordinate value of the current payment in the transaction category space according to the transaction data of the customer, wherein the first coordinate value of each dimension of the current payment in the transaction category space is equal to the number of transactions of the transaction category corresponding to the dimension in the transaction data of the customer;

[0150] determining a second coordinate value of the current payment in the transaction category space according to the transaction data of the payment counterparty corresponding to the current payment, wherein the second coordinate value of each dimension of the current payment in the transaction category space is equal to the number of transactions of the transaction category corresponding to the dimension in the transaction data of the payment counterparty corresponding to the current payment;

[0151] taking the distance between the first coordinate value of each payment transaction set corresponding to the payment transaction category of the current payment in the transaction category space and the first coordinate value of the current payment in the transaction category space as a third distance corresponding to the payment transaction set, and taking the distance between the second coordinate value of each payment transaction set corresponding to the payment transaction category of the current payment in the transaction category space and the second coordinate value of the current payment in the transaction category space as a fourth distance corresponding to the payment transaction set;

[0152] determining a partial order of the payment transaction category corresponding to the current payment according to the first coordinate value and the second coordinate value in the transaction category space, wherein the partial order is used to determine whether a third payment transaction set is better than a fourth payment transaction set in any two payment transaction sets corresponding to the current payment; if the third distance corresponding to the third payment transaction set is less than or equal to the third distance corresponding to the fourth payment transaction set, and the fourth distance corresponding to the third payment transaction set is less than or equal to the fourth distance corresponding to the fourth payment transaction set, it is determined that the third payment transaction set is better than the fourth payment transaction set;

[0153] determining a maximal payment transaction set corresponding to the current payment according to the partial order of the payment transaction category corresponding to the current payment, wherein the maximal payment transaction set is a maximal element of the payment transaction set corresponding to the payment transaction category in the partial order;

[0154] determining the payment transaction set corresponding to the current payment according to the maximal payment transaction set corresponding to the current payment.

[0155] In an embodiment, the risk control module is specifically configured to:

[0156] for each selected risk type, determining the size relationship between the coordinate value of the dimension corresponding to the risk type in the risk space at the current time and the coordinate value of the dimension corresponding to the risk type in the risk space of the current payment; if the coordinate value of the dimension corresponding to the risk type in the risk space at the current time is greater than the coordinate value of the dimension corresponding to the risk type in the risk space of the current payment, the selected risk type is taken as the risk type corresponding to the current payment;

[0157] controlling the risk of the current payment according to the risk type corresponding to the current payment.

[0158] In an embodiment, the risk control module is specifically configured to:

[0159] When the risk type corresponding to the current payment is empty, the current payment is not subjected to risk control.

[0160] It should be noted that, although several modules of the risk control device of the payment transaction are mentioned in the foregoing detailed description, such a division is merely exemplary and not mandatory. Indeed, according to embodiments of the application, the features and functions of two or more modules described above can be embodied in one module. Conversely, the features and functions of one module described above can be further divided into several modules.

[0161] Based on the foregoing inventive concept, as Figure 7 It is shown that the application further proposes a computer device 700 comprising a memory 710, a processor 720 and a computer program 730 stored on the memory 710 and executable on the processor 720, the processor 720 implementing the foregoing risk control method of the payment transaction when executing the computer program 730.

[0162] Based on the foregoing inventive concept, the application proposes a computer readable storage medium, the computer readable storage medium storing a computer program, the computer program being executed by a processor to implement the foregoing risk control method of the payment transaction.

[0163] Based on the foregoing inventive concept, the application proposes a computer program product, the computer program product comprising a computer program, the computer program being executed by a processor to implement the risk control method of the payment transaction.

[0164] The risk control method and device of the payment transaction proposed by the application construct a risk space, wherein the dimensions of the risk space correspond to the selected risk types one by one; according to the historical payment transactions of the bank, the historical payment transactions of the bank are classified to obtain a plurality of payment transaction sets; for each payment transaction set, the coordinates of the payment transaction set in the risk space are determined; a payment transaction initiated by a customer is received, and a plurality of paid transaction data corresponding to the current time are obtained; according to the coordinate values of the payment transaction sets in the risk space, the coordinate values of the current time in the risk space and the coordinate values of the current payment in the risk space are determined; and according to the coordinate values of the current time in the risk space and the coordinate values of the current payment in the risk space, the current payment is subjected to risk control. The application can effectively control the risk of the payment transaction of the customer, improve the security of the payment of the customer, protect the property safety of the customer, and can improve the efficiency of the payment transaction of the customer, improve the payment experience of the customer, and meet the different payment needs of the customer.

[0165] Those skilled in the art will appreciate that embodiments of the present application can be readily used as a method, apparatus, or computer program product. Accordingly, the present application can take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application can take the form of a computer program product on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROMs, optical storage devices, etc.) embodying computer readable program code.

[0166] The present application is described in reference to the flowchart illustrations and / or block diagrams of methods and computer program products according to embodiments of the application. It will be understood that each block of the flowchart illustrations and / or block diagrams, and combinations of blocks in the flowchart illustrations and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart illustrations and / or block diagrams. Figure 1 one or more functions specified in the flowchart illustrations and / or block diagrams. Figure 1 means for carrying out each of the one or more functions specified in the flowchart illustrations and / or block diagrams.

[0167] These computer program instructions can also be stored in a computer- readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instructions which implement the functions specified in the flowchart illustrations and / or block diagrams. Figure 1 one or more functions specified in the flowchart illustrations and / or block diagrams. Figure 1 means for carrying out each of the one or more functions specified in the flowchart illustrations and / or block diagrams.

[0168] These computer program instructions can also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart illustrations and / or block diagrams. Figure 1 one or more functions specified in the flowchart illustrations and / or block diagrams. Figure 1 means for carrying out each of the one or more functions specified in the flowchart illustrations and / or block diagrams.

[0169] Finally, it should be noted that the above-described embodiments are merely specific embodiments of the present application, which are used to illustrate the technical solutions of the present application, but not to limit the same. The protection scope of the present application is not limited thereto. Although the present application has been described in detail with reference to the foregoing embodiments, it should be understood by those skilled in the art that any person skilled in the art can still modify or easily think of changes to the technical solutions recorded in the foregoing embodiments, or make equivalent replacements to some of the technical features, within the technical scope disclosed by the present application. The modifications, changes or replacements do not cause the corresponding technical solutions to deviate from the spirit and scope of the technical solutions of the embodiments of the present application, and should be covered within the protection scope of the present application. Therefore, the protection scope of the present application should be subject to the protection scope of the claims.

Claims

1. A risk control method for payment transactions, characterized in that: include: Constructing a risk space where the dimensions of the risk space correspond one-to-one to the selected risk types; Classifying the bank's historical payment transactions according to the bank's historical payment transactions to obtain multiple payment transaction sets; For each payment transaction set, determine the coordinates of the payment transaction set in the risk space; Receive payment transactions initiated by customers and obtain multiple payment transaction data corresponding to the current moment; Determine the coordinate values ​​of the multiple paid transaction data corresponding to the current moment in the risk space and the coordinate value of the current payment in the risk space based on the coordinate values ​​of the payment transaction set in the risk space; Perform risk control on the current payment based on the coordinate values ​​of multiple paid transaction data corresponding to the current moment in the risk space and the coordinate value of the current payment in the risk space; According to the bank's historical payment transactions, the bank's historical payment transactions are classified to obtain multiple payment transaction sets, including: Constructing a transaction category space, wherein the dimensions of the transaction category space correspond one-to-one to the transaction categories; Classify the bank's historical payment transactions based on the bank system to which the payment account of the historical payment transactions belongs and the bank system to which the counterparty account of the historical payment transactions belongs, thereby obtaining multiple payment transaction categories; For each historical payment transaction of the bank, determine the first coordinate value of the historical payment transaction in the transaction category space based on the transaction data of the paying customer corresponding to the historical payment transaction, wherein the first coordinate value of each dimension of the historical payment transaction in the transaction category space is equal to the number of transactions of the transaction category corresponding to the dimension in the transaction data of the paying customer corresponding to the historical payment transaction; For each historical payment transaction of the bank, determine the second coordinate value of the historical payment transaction in the transaction category space based on the transaction data of the payment counterparty corresponding to the historical payment transaction, wherein the second coordinate value of each dimension of the historical payment transaction in the transaction category space is equal to the number of transactions of the transaction category corresponding to the dimension in the transaction data of the payment counterparty corresponding to the historical payment transaction; Determine a first payment distance function and a second payment distance function based on the first coordinate values ​​and the second coordinate values ​​of the historical payment transactions in the transaction category space, wherein the function value of the first payment distance function corresponding to any two historical payment transactions is the distance between the first coordinate values ​​of the two historical payment transactions in the transaction category space, and the function value of the second payment distance function corresponding to any two historical payment transactions is the distance between the second coordinate values ​​of the two historical payment transactions in the transaction category space; Each historical payment transaction category is clustered according to the first payment distance function and the second payment distance function to obtain a plurality of payment transaction sets corresponding to the payment transaction category.

2. The method according to claim 1, wherein For each payment transaction set, determine the coordinates of the payment transaction set in the risk space, including: Set payment quantity thresholds; For each payment transaction set, divide the payment transaction set into multiple payment transaction subsets in chronological order, wherein the number of payment transactions included in each payment transaction subset is greater than a payment quantity threshold; For each selected risk type, the proportion of payment transactions involving this risk type in the payment transactions included in each payment transaction subset is used as the proportion sample corresponding to this risk type; The coordinate value of each dimension of the payment transaction set in the risk space is determined as the mean value of the proportional samples corresponding to the risk type corresponding to the dimension.

3. The method according to claim 1, wherein Based on the coordinate values ​​of the payment transaction set in the risk space, the coordinate values ​​of the multiple paid transaction data corresponding to the current moment in the risk space and the coordinate value of the current payment in the risk space are determined, including: For each paid transaction data, determining the payment transaction set corresponding to the paid transaction data; Determining the coordinate value of each paid transaction data in the risk space based on the coordinate value of the payment transaction set corresponding to each paid transaction data in the risk space; For each dimension of the risk space, the coordinate value of the dimension in the risk space at the current moment is determined as the minimum value of the coordinate values ​​of the plurality of paid data in the dimension of the risk space; Determine the payment transaction set corresponding to the current payment, and determine the coordinate value of the current payment in the risk space based on the coordinate value of the payment transaction set corresponding to the current payment in the risk space.

4. The method according to claim 3, wherein For each paid transaction data, determine the payment transaction set corresponding to the paid transaction data, including: For each paid transaction data, determine the payment transaction category corresponding to the paid transaction data based on the bank system to which the payment account of the paid transaction data belongs and the bank system to which the counterparty account of the paid transaction data belongs; Determining, based on the customer's transaction data, a first coordinate value of each paid transaction data in the transaction category space, wherein the first coordinate value of each dimension of the paid transaction data in the transaction category space is equal to the number of transactions in the transaction category corresponding to the dimension in the customer's transaction data; Determine, based on the transaction data of the payment counterparty corresponding to the current payment, the second coordinate value of each paid transaction data in the transaction category space, wherein the second coordinate value of each dimension of the paid transaction data in the transaction category space is equal to the number of transactions of the transaction category corresponding to the dimension in the transaction data of the payment counterparty corresponding to the current payment; For each paid transaction data, the distance between the first coordinate value of each payment transaction set corresponding to the payment transaction category corresponding to the paid transaction data in the transaction category space and the first coordinate value of the paid transaction data in the transaction category space is used as the first distance corresponding to the payment transaction set; and the distance between the second coordinate value of each payment transaction set corresponding to the payment transaction category corresponding to the paid transaction data in the transaction category space and the second coordinate value of the paid transaction data in the transaction category space is used as the second distance corresponding to the payment transaction set; Determining, based on the first coordinate value and the second coordinate value in the transaction category space, a partial order of the payment transaction category corresponding to the paid transaction data, wherein the partial order is used to determine whether a first payment transaction set is superior to a second payment transaction set among any two payment transaction sets corresponding to the payment transaction category; if a first distance corresponding to the first payment transaction set is less than or equal to a first distance corresponding to the second payment transaction set, and a second distance corresponding to the first payment transaction set is less than or equal to a second distance corresponding to the second payment transaction set, then determining that the first payment transaction set is superior to the second payment transaction set; Determining, based on the partial order of the payment transaction category corresponding to the paid transaction data, a maximal payment transaction set corresponding to the paid transaction data, wherein the maximal payment transaction set is a maximal element of the payment transaction set corresponding to the payment transaction category in the partial order; The payment transaction set corresponding to the paid transaction data is determined based on the maximum payment transaction set corresponding to the paid transaction data.

5. The method according to claim 3, wherein Determine the payment transaction set corresponding to the current payment, including: Determine the payment transaction category corresponding to the current payment based on the bank system to which the payment account of the current payment belongs and the bank system to which the counterparty account of the current payment belongs; Determine, based on the customer's transaction data, a first coordinate value of the current payment in the transaction category space, wherein the first coordinate value of each dimension of the current payment in the transaction category space is equal to the number of transactions in the transaction category corresponding to the dimension in the customer's transaction data; Determine the second coordinate value of the current payment in the transaction category space based on the transaction data of the payment counterparty corresponding to the current payment, wherein the second coordinate value of each dimension of the current payment in the transaction category space is equal to the number of transactions of the transaction category corresponding to the dimension in the transaction data of the payment counterparty corresponding to the current payment; The distance between the first coordinate value of each payment transaction set corresponding to the payment transaction category corresponding to the current payment in the transaction category space and the first coordinate value of the current payment in the transaction category space is used as the third distance corresponding to the payment transaction set; the distance between the second coordinate value of each payment transaction set corresponding to the payment transaction category corresponding to the current payment in the transaction category space and the second coordinate value of the current payment in the transaction category space is used as the fourth distance corresponding to the payment transaction set; Determine, based on the first coordinate value and the second coordinate value in the transaction category space, a partial order of the payment transaction categories corresponding to the current payment, wherein the partial order is used to determine whether a third payment transaction set is superior to a fourth payment transaction set among any two payment transaction sets corresponding to the current payment; if the third distance corresponding to the third payment transaction set is less than or equal to the third distance corresponding to the fourth payment transaction set, and the fourth distance corresponding to the third payment transaction set is less than or equal to the fourth distance corresponding to the fourth payment transaction set, then determine that the third payment transaction set is superior to the fourth payment transaction set; Determine a maximal payment transaction set corresponding to the current payment based on the partial order of the payment transaction category corresponding to the current payment, wherein the maximal payment transaction set is a maximal element of the payment transaction set corresponding to the payment transaction category in the partial order; Determine the payment transaction set corresponding to the current payment based on the maximum payment transaction set corresponding to the current payment.

6. The method according to claim 3, wherein Based on the coordinate values ​​of multiple paid transaction data corresponding to the current moment in the risk space and the coordinate value of the current payment in the risk space, risk control is performed on the current payment, including: For each selected risk type, determine the relationship between the coordinate value of the dimension corresponding to the risk type in the risk space at the current moment and the coordinate value of the dimension corresponding to the risk type in the risk space for the current payment; if the coordinate value of the dimension corresponding to the risk type in the risk space at the current moment is greater than the coordinate value of the dimension corresponding to the risk type in the risk space for the current payment, then the selected risk type is used as the risk type corresponding to the current payment; Perform risk control on the current payment based on the risk type corresponding to the current payment.

7. The method according to claim 6, wherein Perform risk control on the current payment based on the risk type corresponding to the current payment, including: When the risk type corresponding to the current payment is empty, no risk control is performed on the current payment.

8. A risk control device for payment transactions, characterized in that: include: A construction module for constructing a risk space, wherein the dimensions of the risk space correspond one-to-one to the selected risk types; a classification module for classifying the bank's historical payment transactions based on the bank's historical payment transactions to obtain multiple payment transaction sets; A coordinate determination module, configured to determine, for each payment transaction set, the coordinates of the payment transaction set in the risk space; The receiving module is used to receive payment transactions initiated by customers and obtain multiple payment transaction data corresponding to the current moment; A coordinate value determination module, configured to determine the coordinate values ​​of multiple paid transaction data corresponding to the current moment in the risk space and the coordinate value of the current payment in the risk space based on the coordinate values ​​of the payment transaction set in the risk space; A risk control module is used to perform risk control on the current payment based on the coordinate values ​​of multiple paid transaction data corresponding to the current moment in the risk space and the coordinate value of the current payment in the risk space; Among them, the classification module is specifically used for: Constructing a transaction category space, wherein the dimensions of the transaction category space correspond one-to-one to the transaction categories; Classify the bank's historical payment transactions based on the bank system to which the payment account of the historical payment transactions belongs and the bank system to which the counterparty account of the historical payment transactions belongs, thereby obtaining multiple payment transaction categories; For each historical payment transaction of the bank, determine the first coordinate value of the historical payment transaction in the transaction category space based on the transaction data of the paying customer corresponding to the historical payment transaction, wherein the first coordinate value of each dimension of the historical payment transaction in the transaction category space is equal to the number of transactions of the transaction category corresponding to the dimension in the transaction data of the paying customer corresponding to the historical payment transaction; For each historical payment transaction of the bank, determine the second coordinate value of the historical payment transaction in the transaction category space based on the transaction data of the payment counterparty corresponding to the historical payment transaction, wherein the second coordinate value of each dimension of the historical payment transaction in the transaction category space is equal to the number of transactions of the transaction category corresponding to the dimension in the transaction data of the payment counterparty corresponding to the historical payment transaction; Determine a first payment distance function and a second payment distance function based on the first coordinate values ​​and the second coordinate values ​​of the historical payment transactions in the transaction category space, wherein the function value of the first payment distance function corresponding to any two historical payment transactions is the distance between the first coordinate values ​​of the two historical payment transactions in the transaction category space, and the function value of the second payment distance function corresponding to any two historical payment transactions is the distance between the second coordinate values ​​of the two historical payment transactions in the transaction category space; Each historical payment transaction category is clustered according to the first payment distance function and the second payment distance function to obtain a plurality of payment transaction sets corresponding to the payment transaction category.

9. The device according to claim 8, wherein The coordinate determination module is specifically used for: Set payment quantity thresholds; For each payment transaction set, divide the payment transaction set into multiple payment transaction subsets in chronological order, wherein the number of payment transactions included in each payment transaction subset is greater than a payment quantity threshold; For each selected risk type, the proportion of payment transactions involving this risk type in the payment transactions included in each payment transaction subset is used as the proportion sample corresponding to this risk type; The coordinate value of each dimension of the payment transaction set in the risk space is determined as the mean value of the proportional samples corresponding to the risk type corresponding to the dimension.

10. The device according to claim 8, wherein The coordinate value determination module is specifically used for: For each paid transaction data, determining the payment transaction set corresponding to the paid transaction data; Determining the coordinate value of each paid transaction data in the risk space based on the coordinate value of the payment transaction set corresponding to each paid transaction data in the risk space; For each dimension of the risk space, the coordinate value of the dimension in the risk space at the current moment is determined as the minimum value of the coordinate values ​​of the plurality of paid data in the dimension of the risk space; Determine the payment transaction set corresponding to the current payment, and determine the coordinate value of the current payment in the risk space based on the coordinate value of the payment transaction set corresponding to the current payment in the risk space.

11. The device according to claim 10, wherein The coordinate value determination module is specifically used for: For each paid transaction data, determine the payment transaction category corresponding to the paid transaction data based on the bank system to which the payment account of the paid transaction data belongs and the bank system to which the counterparty account of the paid transaction data belongs; Determining, based on the customer's transaction data, a first coordinate value of each paid transaction data in the transaction category space, wherein the first coordinate value of each dimension of the paid transaction data in the transaction category space is equal to the number of transactions in the transaction category corresponding to the dimension in the customer's transaction data; Determine, based on the transaction data of the payment counterparty corresponding to the current payment, the second coordinate value of each paid transaction data in the transaction category space, wherein the second coordinate value of each dimension of the paid transaction data in the transaction category space is equal to the number of transactions of the transaction category corresponding to the dimension in the transaction data of the payment counterparty corresponding to the current payment; For each paid transaction data, the distance between the first coordinate value of each payment transaction set corresponding to the payment transaction category corresponding to the paid transaction data in the transaction category space and the first coordinate value of the paid transaction data in the transaction category space is used as the first distance corresponding to the payment transaction set; and the distance between the second coordinate value of each payment transaction set corresponding to the payment transaction category corresponding to the paid transaction data in the transaction category space and the second coordinate value of the paid transaction data in the transaction category space is used as the second distance corresponding to the payment transaction set; Determining, based on the first coordinate value and the second coordinate value in the transaction category space, a partial order of the payment transaction category corresponding to the paid transaction data, wherein the partial order is used to determine whether a first payment transaction set is superior to a second payment transaction set among any two payment transaction sets corresponding to the payment transaction category; if a first distance corresponding to the first payment transaction set is less than or equal to a first distance corresponding to the second payment transaction set, and a second distance corresponding to the first payment transaction set is less than or equal to a second distance corresponding to the second payment transaction set, then determining that the first payment transaction set is superior to the second payment transaction set; Determining, based on the partial order of the payment transaction category corresponding to the paid transaction data, a maximal payment transaction set corresponding to the paid transaction data, wherein the maximal payment transaction set is a maximal element of the payment transaction set corresponding to the payment transaction category in the partial order; The payment transaction set corresponding to the paid transaction data is determined based on the maximum payment transaction set corresponding to the paid transaction data.

12. The device according to claim 10, wherein The coordinate value determination module is specifically used for: Determine the payment transaction category corresponding to the current payment based on the bank system to which the payment account of the current payment belongs and the bank system to which the counterparty account of the current payment belongs; Determine, based on the customer's transaction data, a first coordinate value of the current payment in the transaction category space, wherein the first coordinate value of each dimension of the current payment in the transaction category space is equal to the number of transactions in the transaction category corresponding to the dimension in the customer's transaction data; Determine the second coordinate value of the current payment in the transaction category space based on the transaction data of the payment counterparty corresponding to the current payment, wherein the second coordinate value of each dimension of the current payment in the transaction category space is equal to the number of transactions of the transaction category corresponding to the dimension in the transaction data of the payment counterparty corresponding to the current payment; The distance between the first coordinate value of each payment transaction set corresponding to the payment transaction category corresponding to the current payment in the transaction category space and the first coordinate value of the current payment in the transaction category space is used as the third distance corresponding to the payment transaction set; the distance between the second coordinate value of each payment transaction set corresponding to the payment transaction category corresponding to the current payment in the transaction category space and the second coordinate value of the current payment in the transaction category space is used as the fourth distance corresponding to the payment transaction set; Determine, based on the first coordinate value and the second coordinate value in the transaction category space, a partial order of the payment transaction categories corresponding to the current payment, wherein the partial order is used to determine whether a third payment transaction set is superior to a fourth payment transaction set among any two payment transaction sets corresponding to the current payment; if the third distance corresponding to the third payment transaction set is less than or equal to the third distance corresponding to the fourth payment transaction set, and the fourth distance corresponding to the third payment transaction set is less than or equal to the fourth distance corresponding to the fourth payment transaction set, then determine that the third payment transaction set is superior to the fourth payment transaction set; Determine a maximal payment transaction set corresponding to the current payment based on the partial order of the payment transaction category corresponding to the current payment, wherein the maximal payment transaction set is a maximal element of the payment transaction set corresponding to the payment transaction category in the partial order; Determine the payment transaction set corresponding to the current payment based on the maximum payment transaction set corresponding to the current payment.

13. The device according to claim 10, wherein The risk control module is specifically used to: For each selected risk type, determine the magnitude relationship between the coordinate value of the dimension corresponding to the risk type in the risk space at the current moment and the coordinate value of the dimension corresponding to the risk type in the risk space at the current payment; If the coordinate value of the dimension corresponding to the risk type in the risk space at the current moment is greater than the coordinate value of the dimension corresponding to the risk type in the risk space of the current payment, then the selected risk type is used as the risk type corresponding to the current payment; Perform risk control on the current payment based on the risk type corresponding to the current payment.

14. The device according to claim 13, wherein The risk control module is specifically used to: When the risk type corresponding to the current payment is empty, no risk control is performed on the current payment.

15. A computer device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein: When the processor executes the computer program, the method according to any one of claims 1 to 7 is implemented.

16. A computer-readable storage medium, characterized in that The computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the method according to any one of claims 1 to 7 is implemented.

17. A computer program product, characterized in that The computer program product comprises a computer program, and when the computer program is executed by a processor, the method according to any one of claims 1 to 7 is implemented.

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