推荐身份认证方式的方法及装置
By constructing transaction categories and risk matrices, and combining them with customer transaction data, the most suitable identity authentication method is recommended, which solves the problem of insufficient security and accuracy of identity authentication methods in banking business scenarios, and improves the security and efficiency of transactions.
CN115578183BActive Publication Date: 2026-07-17BANK OF CHINA
Patent Information
- Authority / Receiving Office
- CN · China
- Patent Type
- Patents(China)
- Current Assignee / Owner
- BANK OF CHINA
- Filing Date
- 2022-11-03
- Publication Date
- 2026-07-17
AI Technical Summary
Technical Problem
In existing banking scenarios, the security and accuracy of identity authentication methods are insufficient, leading to transaction security risks.
Method used
By classifying transaction data for each authentication method, a transaction category matrix and a transaction risk matrix are constructed to determine a reference transaction matrix. Combined with customer transaction data, the most suitable authentication method is recommended.
Benefits of technology
It improves transaction security, reduces transaction risks, and enhances business processing efficiency and user experience.
✦ Generated by Eureka AI based on patent content.
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Figure CN115578183B_ABST
Abstract
本发明提出了一种推荐身份认证方式的方法及装置，涉及计算机数据处理技术领域，该方法包括：对于每一身份认证方式，将交易数据进行分类，获得该身份认证方式对应的多个交易数据集合；依据多个交易数据集合，确定该身份认证方式对应的多个交易类别矩阵以及每个交易类别矩阵对应的交易风险矩阵；依据该身份认证方式对应的多个交易类别矩阵以及每个交易类别矩阵对应的交易风险矩阵，确定该身份认证方式对应的多个参考交易矩阵；当第一客户在银行系统进行交易时，依据获取的交易数据，确定第一客户对应该银行系统的交易矩阵；依据第一客户对应该银行系统的交易矩阵、各个身份认证方式对应的参考交易矩阵，确定第一客户在该银行系统的身份认证方式。
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