Transaction control method and device, equipment and storage medium

Abstract

The invention discloses a transaction control method, device and equipment and a storage medium, and relates to the technical field of cloud computing, and the method comprises the steps: obtaining the basic information and historical transaction information of a user, and determining the risk level of the user according to the basic information and the historical transaction information; determining transaction restriction information of the user in the current service according to the risk level and the demand information of the current service; when it is monitored that the user starts a transaction based on the current service, performing risk judgment on the current transaction according to the transaction restriction information and the historical accumulated transaction information of the user; and when the risk judgment result is determined to be high risk, stopping the current transaction. According to the technical scheme, after the transaction restriction information more adaptive to the user and the current business is determined, risk judgment is performed on the current transaction according to the transaction restriction information, so that timely discovery of high-risk transactions is realized, fund loss caused by the high-risk transactions is effectively prevented by stopping the high-risk transactions of the user in the current business, and the user experience is improved. And user fund security is ensured.

Description

Technical Field

[0001] Embodiments of the present invention relate to the field of cloud computing technology, and in particular to a transaction control method, apparatus, device and storage medium. Background Art

[0002] With the rapid development of Internet finance, the scale and complexity of online financial services are increasing. While bringing convenience to users, it also faces many risks, such as fund security risks and transaction risks.

[0003] In the prior art, whether a transaction is risky is judged by using transaction risk judgment rules (for example, setting a corresponding safety amount threshold for the transaction amount, etc.).

[0004] However, this approach has the problem of inaccurate judgment and is difficult to adjust dynamically according to actual business. Summary of the invention

[0005] The present invention provides a transaction control method, device, equipment and storage medium, which perform risk judgment on transactions of users under a business and implement transaction control according to the risk judgment results.

[0006] In a first aspect, an embodiment of the present invention provides a transaction control method, including:

[0007] Obtaining basic information and historical transaction information of the user, and determining the risk level of the user according to the basic information and the historical transaction information;

[0008] Determine transaction restriction information of the user in the current business according to the risk level and demand information of the current business;

[0009] When it is detected that the user initiates a transaction based on the current business, a risk assessment is performed on the current transaction based on the transaction restriction information and historical accumulated transaction information of the user;

[0010] When the risk assessment result is determined to be high risk, the current transaction is blocked.

[0011] The technical solution of the embodiment of the present invention provides a transaction control method, including: obtaining basic information and historical transaction information of a user, determining the risk level of the user according to the basic information and the historical transaction information; determining the transaction restriction information of the user in the current business according to the risk level and demand information of the current business; when it is monitored that the user starts a transaction based on the current business, performing risk judgment on the current transaction according to the transaction restriction information and historical accumulated transaction information of the user; and blocking the current transaction when it is determined that the risk judgment result is high risk. The above technical scheme can first determine the user's risk level based on the user's basic information and historical transaction information, and realize accurate judgment of the user's risk level. Secondly, it can determine the transaction restriction information of the current business based on the demand information of the current business. It can also determine the user's transaction restriction information in the current business based on the user's risk level and the transaction restriction information of the current business, and realize the determination of transaction restriction information that is more adapted to the user's risk level and the demand information of the current business, so that the transaction restriction information is more matched with the user and the current business. In the process of monitoring the user's operation based on the financial platform, when it is monitored that the user opens a transaction based on the current business, the current transaction is judged based on the user's transaction restriction information and the historical accumulated transaction information and the transaction information of the current transaction, and the risk judgment of the current transaction is realized, thereby realizing timely discovery of high-risk transactions. When it is determined that the risk judgment result is high risk, the current transaction is blocked. By blocking the user's high-risk transactions in the current business, the risk control of the user's transactions in the current business is realized, and the loss of funds caused by high-risk transactions is effectively prevented, and the user's funds are guaranteed. Safety.

[0012] Further, determining the risk level of the user according to the basic information and the historical transaction information includes:

[0013] The basic information and the historical transaction information are input into a pre-trained risk level determination model so that the risk level determination model determines the risk level according to the basic information and the historical transaction information, wherein the risk level determination model is trained based on the basic information, historical transaction information and risk levels of multiple users.

[0014] Further, determining the transaction restriction information of the user in the current business according to the risk level and the demand information of the current business includes:

[0015] Determining initial transaction restriction information according to restriction information in the demand information of the current business, wherein the initial transaction restriction information includes an initial single transaction threshold and an initial cumulative transaction threshold;

[0016] If the risk level is lower than the demand level in the demand information of the current business, the single transaction threshold and the cumulative transaction threshold are adjusted down to obtain a target single transaction threshold and a target cumulative transaction threshold.

[0017] Further, the risk of the current transaction is judged according to the transaction restriction information and historical accumulated transaction information of the user, including:

[0018] Determining transaction information of the current transaction;

[0019] If the transaction information is greater than the target single transaction threshold, the risk judgment result is determined to be high risk; otherwise, the current accumulated transaction information is determined based on the transaction information of the current transaction and the historical accumulated transaction information;

[0020] If the current accumulated transaction information is greater than the target accumulated transaction threshold, the risk judgment result is determined to be high risk; otherwise, the risk judgment result is determined to be low risk.

[0021] Furthermore, after the risk of the current transaction is determined according to the transaction restriction information and the historical accumulated transaction information of the user, the method further includes:

[0022] When it is determined that the risk judgment result is low risk, the current transaction is allowed.

[0023] Furthermore, after the current transaction is executed, the method further includes:

[0024] The current accumulated transaction information is updated based on the transaction information of the current transaction.

[0025] In a second aspect, an embodiment of the present invention further provides a transaction control device, including:

[0026] An acquisition module, used to acquire basic information and historical transaction information of a user, and determine the risk level of the user according to the basic information and the historical transaction information;

[0027] A determination module, configured to determine transaction restriction information of the user in the current business according to the risk level and demand information of the current business;

[0028] A judgment module, used to monitor that when the user initiates a transaction based on the current business, perform risk judgment on the current transaction according to the transaction restriction information and historical accumulated transaction information of the user;

[0029] The execution module is used to block the current transaction when the risk judgment result is determined to be high risk.

[0030] In a third aspect, an embodiment of the present invention further provides an electronic device, the electronic device comprising:

[0031] at least one processor; and a memory communicatively coupled to the at least one processor;

[0032] The memory stores a computer program executable by the at least one processor, and the computer program is executed by the at least one processor so that the at least one processor can execute the transaction control method as described in any one of the first aspects.

[0033] In a fourth aspect, an embodiment of the present invention further provides a storage medium comprising computer executable instructions, wherein the computer executable instructions, when executed by a computer processor, are used to execute a transaction control method as described in any one of the first aspects.

[0034] In a fifth aspect, the present application provides a computer program product, which includes computer instructions. When the computer instructions are executed on a computer, the computer executes the transaction control method provided in the first aspect.

[0035] It should be noted that the above computer instructions may be stored in whole or in part on a computer-readable storage medium, wherein the computer-readable storage medium may be packaged together with the processor of the transaction control device, or may be packaged separately from the processor of the transaction control device, which is not limited in this application.

[0036] The description of the second, third, fourth and fifth aspects in this application can refer to the detailed description of the first aspect; and the beneficial effects of the description of the second, third, fourth and fifth aspects can refer to the beneficial effect analysis of the first aspect, which will not be repeated here.

[0037] In this application, the name of the transaction control device does not limit the device or functional module itself. In actual implementation, these devices or functional modules may appear with other names. As long as the functions of each device or functional module are similar to those of this application, they fall within the scope of the claims of this application and their equivalent technologies.

[0038] These and other aspects of the present application will become more apparent from the following description. BRIEF DESCRIPTION OF THE DRAWINGS

[0039] In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings required for use in the description of the embodiments will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work.

[0040] Figure 1A flow chart of a transaction control method provided by an embodiment of the present invention;

[0041] Figure 2 A flowchart of another transaction control method provided by an embodiment of the present invention;

[0042] Figure 3 A schematic diagram of the structure of a transaction control device provided by an embodiment of the present invention;

[0043] Figure 4 A schematic diagram of the structure of an electronic device provided by an embodiment of the present invention. DETAILED DESCRIPTION

[0044] The present invention will be further described in detail below in conjunction with the accompanying drawings and embodiments. It is to be understood that the specific embodiments described herein are only used to explain the present invention, rather than to limit the present invention. It should also be noted that, for ease of description, only parts related to the present invention, rather than all structures, are shown in the accompanying drawings.

[0045] The term "and / or" in this article is merely a description of the association relationship of associated objects, indicating that three relationships may exist. For example, A and / or B can mean: A exists alone, A and B exist at the same time, and B exists alone.

[0046] The terms "first" and "second" and the like in the specification and drawings of this application are used to distinguish different objects, or to distinguish different processing of the same object, rather than to describe a specific order of objects.

[0047] In addition, the terms "including" and "having" and any variations thereof mentioned in the description of the present application are intended to cover non-exclusive inclusions. For example, a process, method, system, product or device that includes a series of steps or units is not limited to the listed steps or units, but may optionally include other steps or units that are not listed, or may optionally include other steps or units that are inherent to these processes, methods, products or devices.

[0048] It should be mentioned before discussing exemplary embodiments in more detail that some exemplary embodiments are described as processes or methods depicted as flow charts. Although the flow charts describe various operations (or steps) as sequential processes, many operations therein can be implemented in parallel, concurrently or simultaneously. In addition, the order of various operations can be rearranged. The process can be terminated when its operation is completed, but can also have additional steps not included in the accompanying drawings. The process can correspond to methods, functions, procedures, subroutines, subprograms, etc. In addition, the embodiments in the present invention and the features in the embodiments can be combined with each other without conflict.

[0049] It should be noted that, in the embodiments of the present application, words such as "exemplary" or "for example" are used to indicate examples, illustrations or descriptions. Any embodiment or design described as "exemplary" or "for example" in the embodiments of the present application should not be interpreted as being more preferred or more advantageous than other embodiments or designs. Specifically, the use of words such as "exemplary" or "for example" is intended to present related concepts in a specific way.

[0050] In the description of the present application, unless otherwise specified, “plurality” means two or more.

[0051] Figure 1 Flow chart of a transaction control method provided by an embodiment of the present invention. This embodiment is applicable to situations where risk control of user transactions is required. The method can be executed by a transaction control device, such as Figure 1 As shown, the specific steps include:

[0052] Step 110: Obtain the basic information and historical transaction information of the user, and determine the risk level of the user according to the basic information and the historical transaction information.

[0053] Among them, the user's basic information may include the user's default record and account balance, etc., and the historical transaction information may be transaction data within a historical time period. The transaction data at least includes the transaction amount, transaction time, transaction object and transaction type.

[0054] Specifically, each item in the basic information and historical transaction information can be used as an indicator, and different weights can be set for each indicator. The user's score value can be determined based on the indicator value and weight corresponding to each indicator. For the default record, the number of defaults in the default record can be determined as the indicator value of the indicator corresponding to the default record; for the transaction time, the value pre-configured for the time period corresponding to the transaction time can be determined as the indicator value of the indicator corresponding to the transaction time, the value pre-configured for the object type corresponding to the transaction object can be determined as the indicator value of the indicator corresponding to the transaction object, and the value pre-configured for the transaction type can be determined as the indicator value of the indicator corresponding to the transaction type. Furthermore, the weighted sum of each indicator can be performed based on the indicator value and weight corresponding to each indicator, and the weighted sum value can be determined as the user's score value.

[0055] It should be noted that the weight of each indicator can be adjusted dynamically according to changes in the market environment and business needs. For example, in periods of economic instability, the weight of transaction amount can be increased, while in periods of market stability, the weight of transaction frequency can be increased.

[0056] Furthermore, the risk level of the user can be determined based on the user's score. Specifically, the score range in which the user's score lies can be determined first, and then the risk level of the user can be determined based on the correspondence between the pre-set score range and the risk level and the score range in which the user's score lies.

[0057] In the embodiment of the present invention, the risk level of the user is determined according to the basic information and historical transaction information of the user, so as to achieve accurate judgment of the risk level of the user.

[0058] Step 120: Determine the transaction restriction information of the user in the current business according to the risk level and the demand information of the current business.

[0059] The current business may be a financial business, such as fund purchase, etc. The demand information of the current business includes the restriction of the current business on the transaction amount, and may also include the restriction of the current business on the risk level of the user.

[0060] Specifically, the transaction restriction information of the current business can be determined first according to the demand information of the current business. It is determined whether the risk level of the user meets the limit of the risk level of the user in the demand information of the current business. If it meets, the transaction restriction information of the current business is determined as the transaction restriction information of the user in the current business. If it does not meet, the transaction restriction information of the current business is adjusted based on the first preset strategy to obtain the transaction restriction information of the user in the current business. If it exceeds, the transaction restriction information of the current business is adjusted based on the second preset strategy to obtain the transaction restriction information of the user in the current business.

[0061] In an embodiment of the present invention, after determining the transaction restriction information of the current business based on the demand information of the current business, the transaction restriction information of the user in the current business is determined based on the risk level of the user and the transaction restriction information of the current business, so as to determine the transaction restriction information that is more adapted to the risk level of the user and the demand information of the current business, so that the transaction restriction information is more matched with the user and the current business.

[0062] Step 130: When it is detected that the user initiates a transaction based on the current business, a risk assessment is performed on the current transaction based on the transaction restriction information and historical accumulated transaction information of the user.

[0063] The historical accumulated transaction information may include accumulated transaction information of the user based on the current business within a preset time.

[0064] Specifically, the user's operation based on the financial platform can be monitored in real time. When it is detected that the user opens a transaction based on the current business, the transaction information of the current transaction, such as the transaction amount, can be obtained. Then, the risk judgment of the transaction information can be made based on the transaction restriction information and the historical accumulated transaction information. If the transaction amount of the transaction information exceeds the limit on the transaction amount in the transaction restriction information, the risk judgment result is determined to be high risk. Otherwise, the current accumulated transaction information can be determined based on the transaction amount of the transaction information and the historical accumulated transaction information. If it is determined that the current accumulated transaction information exceeds the limit on the accumulated transaction amount in the transaction restriction information, the risk judgment result is determined to be high risk. Otherwise, the risk judgment result is determined to be low risk.

[0065] In the embodiment of the present invention, when a user initiates a transaction based on a current business, a risk assessment of the current transaction is performed based on the transaction information of the current transaction, thereby enabling timely discovery of high-risk transactions.

[0066] Step 140: If the risk assessment result is determined to be high risk, the current transaction is blocked.

[0067] Specifically, when the risk assessment result is determined to be high risk, the current transaction is blocked. Specifically, the transfer of funds in or out may be refused.

[0068] In the embodiment of the present invention, risk control of the user in the current business transaction is achieved by blocking the user's high-risk transactions in the current business.

[0069] The transaction control method provided by the embodiment of the present invention includes: obtaining basic information and historical transaction information of a user, determining the risk level of the user according to the basic information and the historical transaction information; determining the transaction restriction information of the user in the current business according to the risk level and demand information of the current business; when monitoring that the user starts a transaction based on the current business, performing risk judgment on the current transaction according to the transaction restriction information and historical accumulated transaction information of the user; and blocking the current transaction when it is determined that the risk judgment result is high risk. The above technical scheme can first determine the user's risk level based on the user's basic information and historical transaction information, and realize accurate judgment of the user's risk level. Secondly, it can determine the transaction restriction information of the current business based on the demand information of the current business. It can also determine the user's transaction restriction information in the current business based on the user's risk level and the transaction restriction information of the current business, and realize the determination of transaction restriction information that is more adapted to the user's risk level and the demand information of the current business, so that the transaction restriction information is more matched with the user and the current business. In the process of monitoring the user's operation based on the financial platform, when it is monitored that the user opens a transaction based on the current business, the current transaction is judged based on the user's transaction restriction information and the historical accumulated transaction information and the transaction information of the current transaction, and the risk judgment of the current transaction is realized, thereby realizing timely discovery of high-risk transactions. When it is determined that the risk judgment result is high risk, the current transaction is blocked. By blocking the user's high-risk transactions in the current business, the risk control of the user's transactions in the current business is realized, and the loss of funds caused by high-risk transactions is effectively prevented, and the user's funds are guaranteed. Safety.

[0070] Figure 2 This is a flow chart of another transaction control method provided by an embodiment of the present invention. This embodiment is specific based on the above embodiment. Figure 2 As shown, in this embodiment, the method may further include:

[0071] Step 210: Obtain the basic information and historical transaction information of the user, and determine the risk level of the user according to the basic information and the historical transaction information.

[0072] In one implementation, determining the risk level of the user according to the basic information and the historical transaction information includes:

[0073] The basic information and the historical transaction information are input into a pre-trained risk level determination model so that the risk level determination model determines the risk level according to the basic information and the historical transaction information, wherein the risk level determination model is trained based on the basic information, historical transaction information and risk levels of multiple users.

[0074] Specifically, after obtaining the user's basic information and historical transaction information, the basic information and historical transaction information can be input into the risk level determination model as input information. The risk level determination model is trained based on the basic information and historical transaction information of multiple users and the risk levels. The risk level can be determined based on the input basic information and historical transaction information. Therefore, the user's risk level can be determined as low risk, medium risk or high risk, thereby quickly determining the user's risk level.

[0075] In addition, the model base of the risk level determination model can be a decision tree, random forest or neural network, etc. By training the model with a large amount of basic information, historical transaction information and corresponding risk levels, a risk level determination model that can accurately predict the user's risk level can be constructed. Moreover, the risk level determination model can continuously optimize and adjust itself according to the user's new transaction data.

[0076] Of course, it is also possible to establish data connections with relevant government departments to regularly obtain the latest blacklist information. If a user is included in the government agency blacklist, the basic information can also include the blacklist mark. If the user's basic information includes the blacklist mark, the user's risk level can be directly determined to be high risk. For blacklisted users, strict risk control measures can be immediately taken, such as significantly reducing transaction restriction information or directly prohibiting transactions.

[0077] In the embodiment of the present invention, by inputting the basic information and historical transaction information of the user into the risk level determination model, a rapid and accurate judgment of the user's risk level is achieved.

[0078] Step 220: Determine the transaction restriction information of the user in the current business according to the risk level and the demand information of the current business.

[0079] In one implementation, step 220 may specifically include:

[0080] The initial transaction restriction information is determined according to the restriction information in the demand information of the current business, wherein the initial transaction restriction information includes an initial single transaction threshold and an initial cumulative transaction threshold; if the risk level is lower than the demand level in the demand information of the current business, the single transaction threshold and the cumulative transaction threshold are lowered to obtain a target single transaction threshold and a target cumulative transaction threshold.

[0081] Among them, the demand information of the current business includes the restrictions on the transaction amount of the current business, which may specifically include the initial single transaction threshold and the initial cumulative transaction threshold, and may also include the restrictions on the risk level of the user of the current business, which may specifically be the minimum risk level of the user who can initiate transactions based on the current business.

[0082] Specifically, first, the initial single transaction threshold and the initial cumulative transaction threshold can be determined according to the transaction amount restriction in the demand information of the current business. Of course, the regulatory dynamics of the financial market can be tracked at all times, and the initial single transaction threshold and the initial cumulative transaction threshold can be updated according to changes in regulatory policies. For example, when the regulatory authorities strengthen the control of a certain type of transaction business (in order to combat illegal and criminal activities, each person is required to withdraw only 50,000 yuan per day), it is necessary to adjust the limit threshold accordingly to meet regulatory requirements and ensure the compliance of the current business. Secondly, it can be determined whether the user's risk level meets the restrictions on the user's risk level in the demand information of the current business, that is, it can be determined whether the user's risk level meets the minimum risk level of the user who opens a transaction based on the current business. If it meets the requirements, the initial single transaction threshold and the initial cumulative transaction threshold are determined as the target single transaction threshold and the target cumulative transaction threshold, and the target single transaction threshold and the target cumulative transaction threshold are determined as the transaction restriction information of the current business, or the initial single transaction threshold and the initial cumulative transaction threshold are fine-tuned to obtain the target single transaction threshold and the target cumulative transaction threshold, and the target single transaction threshold and the target cumulative transaction threshold are set as the transaction restriction information of the current business. The threshold is determined as the transaction restriction information of the current business; if it does not meet the requirements, the initial single transaction threshold and the initial cumulative transaction threshold are lowered accordingly to obtain the target single transaction threshold and the target cumulative transaction threshold, and the target single transaction threshold and the target cumulative transaction threshold are determined as the transaction restriction information of the current business. In actual applications, some transaction functions may even be suspended to reduce risks; if it exceeds the requirements, the initial single transaction threshold and the initial cumulative transaction threshold are increased accordingly to obtain the target single transaction threshold and the target cumulative transaction threshold, and the target single transaction threshold and the target cumulative transaction threshold are determined as the transaction restriction information of the current business to provide a better user experience.

[0083] In addition, business personnel can adjust transaction restriction information for users based on actual conditions. For example, they can adjust the maximum transaction amount or the maximum number of transactions for advanced users or corporate users to meet the personalized needs of different users, provide users with tailored transaction restriction information, and improve service quality and user experience.

[0084] When a user continuously conducts multiple large transactions based on the current business, the target single transaction threshold and target cumulative transaction threshold can be immediately lowered to ensure transaction security. At the same time, the user's risk status can be comprehensively evaluated regularly (such as weekly or monthly), and more systematic limit adjustments can be made based on the evaluation results. The transaction status after the limit adjustment can also be continuously monitored to observe whether the expected risk control effect has been achieved. If it is found that the adjusted limit is still too high or too low, it needs to be adjusted in time. It is also possible to collect user feedback on the limit adjustment to understand user needs and feelings. If the user has objections to the limit adjustment, further evaluation and adjustment can be made through manual review.

[0085] The initial cumulative transaction thresholds may include: initial cumulative transaction thresholds for current business on a daily, monthly and annual basis and initial cumulative transaction thresholds based on all businesses; the target cumulative transaction thresholds include: target cumulative transaction thresholds for current business on a daily, monthly and annual basis and target cumulative transaction thresholds based on all businesses.

[0086] In an embodiment of the present invention, after determining the transaction restriction information of the current business based on the demand information of the current business, the transaction restriction information of the user in the current business is determined based on the risk level of the user and the transaction restriction information of the current business, so as to determine the transaction restriction information that is more adapted to the risk level of the user and the demand information of the current business, so that the transaction restriction information is more matched with the user and the current business.

[0087] Step 230: When it is monitored that the user initiates a transaction based on the current business, a risk assessment is performed on the current transaction based on the transaction restriction information and historical accumulated transaction information of the user.

[0088] In one implementation, performing risk assessment on a current transaction based on the transaction restriction information and historical accumulated transaction information of the user includes:

[0089] Determine the transaction information of the current transaction; if the transaction information is greater than the target single transaction threshold, determine the risk judgment result as high risk; otherwise, determine the current cumulative transaction information according to the transaction information of the current transaction and the historical cumulative transaction information; if the current cumulative transaction information is greater than the target cumulative transaction threshold, determine the risk judgment result as high risk; otherwise, determine the risk judgment result as low risk.

[0090] Specifically, the distributed computing power of the PAAS cloud can be used to monitor the user's operation based on the financial platform in real time. When it is monitored that the user opens a transaction based on the current business, the transaction information of the current transaction, such as the transaction amount, transaction time and transaction type, can be determined. First, the first risk judgment is made based on the target single transaction threshold and the transaction amount. If the transaction amount is greater than the target single transaction threshold, the risk judgment result is determined to be high risk. Otherwise, the current cumulative transaction amount is determined based on the transaction amount and the historical cumulative transaction information. The historical cumulative transaction information may include the daily, monthly and annual cumulative transaction amount of the user based on the current business and the cumulative transaction amount based on all businesses, that is, the current cumulative transaction amount of the user based on the current business and the current cumulative transaction amount based on all businesses can be determined on a daily, monthly and annual basis. Then, the second risk judgment is made based on the target cumulative transaction threshold and the current cumulative transaction amount. If any of the current cumulative transaction amounts of the user based on the current business and the current cumulative transaction amount based on all businesses is greater than the corresponding target cumulative transaction threshold, the risk judgment result is determined to be high risk. Otherwise, the risk judgment result is determined to be low risk, so as to achieve accurate risk judgment results.

[0091] Through the continuous monitoring of the financial platform by the PAAS cloud, it can ensure that the number of container copies of the financial platform is maintained under certain circumstances, thereby ensuring the stable output of financial services. For example, when a container fails to provide services due to an abnormality, the financial platform will automatically restart or replace the problematic container to ensure that there are always a preset number of containers running normally. Using the 7-layer routing function of the PaaS cloud platform, intelligent load balancing is achieved based on context root, domain name and HTTP header information. For example, by analyzing the performance and status of different containers, the financial platform can intelligently distribute requests to avoid over-concentration and ensure the efficient operation of financial services. The elastic scaling strategy enables the financial platform to adapt to the fluctuating needs of the business, such as the difference between peak and daily transaction volumes. When the CPU reaches the preset threshold, the financial platform will automatically expand the container according to the strategy to form a balance between fixed and dynamic containers. After the CPU drops to a certain level, the financial platform will also perform corresponding scaling operations. This dynamic adjustment ensures the continuity and performance of financial services while minimizing the impact on the production environment. Using the load balancing technology of the PAAS cloud, transaction requests can be evenly distributed to different computing nodes to prevent a single node from being overloaded. You can also dynamically increase or decrease computing nodes according to the needs of the current business to achieve flexible expansion and contraction of the system. For example, when promoting new features of the current business, it is generally expanded from typical areas to the whole country, and the transaction volume will increase accordingly. The maximum business volume after the national promotion is inferred from the point to the whole, and the expansion limit is configured according to the carrying capacity of a single node (assuming that 1 node can carry 500tps, and 5000tps requires 10 nodes). The same is true for contraction. The business has peaks and troughs. After the transaction volume drops, the nodes can be gradually contracted and returned to achieve reasonable use of resources.

[0092] In actual applications, the recipient information can also be monitored. If the recipient is a high-risk or blacklisted user, the current transaction can be directly determined as a high-risk transaction.

[0093] In the embodiment of the present invention, when a user initiates a transaction based on a current business, a risk assessment of the current transaction is performed based on the transaction information of the current transaction, thereby enabling timely discovery of high-risk transactions.

[0094] After step 230 , step 240 , or steps 250 and 260 are executed.

[0095] Step 240: If the risk assessment result is determined to be high risk, the current transaction is blocked.

[0096] Specifically, when the risk assessment result is determined to be high risk, the current transaction is blocked. Specifically, the transfer of funds in or out may be refused.

[0097] It should be noted that when the current transaction is blocked, the corresponding limit can be automatically rolled back to ensure that the accumulated amount is consistent with the customer's actual behavior. For example, after the current transaction is blocked, the deducted limit should be automatically rolled back to the state before the transaction.

[0098] Step 250: If the risk judgment result is determined to be low risk, the current transaction is allowed.

[0099] Specifically, when it is determined that the risk assessment result is low risk, the current transaction is allowed, specifically, funds may be allowed to be transferred in or out.

[0100] In the embodiment of the present invention, risk control of the user's current business transactions is achieved by allowing the user's low-risk transactions in the current business and blocking the user's high-risk transactions in the current business.

[0101] Step 260: Update the current accumulated transaction information based on the transaction information of the current transaction.

[0102] Specifically, after the current transaction is completed, the current accumulated transaction information can be updated based on the transaction information of the current transaction to facilitate risk judgment on the next transaction.

[0103] In the embodiment of the present invention, the speed of risk assessment for the next transaction is improved by updating the current accumulated transaction information.

[0104] The transaction control method provided by the embodiment of the present invention includes: obtaining basic information and historical transaction information of a user, determining the risk level of the user according to the basic information and the historical transaction information; determining the transaction restriction information of the user in the current business according to the risk level and demand information of the current business; when it is monitored that the user starts a transaction based on the current business, performing risk judgment on the current transaction according to the transaction restriction information and historical accumulated transaction information of the user; if it is determined that the risk judgment result is high risk, blocking the current transaction; if it is determined that the risk judgment result is low risk, allowing the current transaction; and updating the current accumulated transaction information based on the transaction information of the current transaction. The above technical solution can firstly input the basic information and historical transaction information of the user into the risk level determination model, and quickly determine the accurate risk level of the user through the risk level determination model, so as to achieve accurate judgment of the risk level of the user. Secondly, the transaction restriction information of the current business can be determined according to the demand information of the current business. The transaction restriction information of the user in the current business can also be determined according to the risk level of the user and the transaction restriction information of the current business, so as to achieve the determination of the transaction restriction information that is more adapted to the risk level of the user and the demand information of the current business, so that the transaction restriction information is more matched with the user and the current business, and in the process of monitoring the user's operation based on the financial platform When it is monitored that a user has started a transaction based on the current business, a risk assessment is performed on the current transaction based on the user's transaction restriction information, historical accumulated transaction information, and the transaction information of the current transaction, so as to achieve risk assessment of the current transaction and timely discovery of high-risk transactions. When the risk assessment result is determined to be high risk, the current transaction is blocked; when the risk assessment result is determined to be low risk, the current transaction is allowed, and the current accumulated transaction information is updated based on the transaction information of the current transaction. By blocking the user's high-risk transactions in the current business, risk control of the user's transactions in the current business is achieved, effectively preventing financial losses caused by high-risk transactions and ensuring the safety of user funds.

[0105] Figure 3 This is a schematic diagram of the structure of a transaction control device provided by an embodiment of the present invention, which can be used to control the risk of user transactions. The device can be implemented by software and / or hardware and is generally integrated in an electronic device, such as a computer device.

[0106] like Figure 3 As shown, the device comprises:

[0107] An acquisition module 310 is used to acquire basic information and historical transaction information of a user, and determine the risk level of the user according to the basic information and the historical transaction information;

[0108] A determination module 320, configured to determine the transaction restriction information of the user in the current business according to the risk level and the demand information of the current business;

[0109] The judgment module 330 is used to monitor that when the user initiates a transaction based on the current business, perform risk judgment on the current transaction according to the transaction restriction information and historical accumulated transaction information of the user;

[0110] The execution module 340 is used to block the current transaction when the risk judgment result is determined to be high risk.

[0111] The transaction control device provided in this embodiment obtains basic information and historical transaction information of a user, determines the risk level of the user based on the basic information and the historical transaction information; determines the transaction restriction information of the user for the current business based on the risk level and demand information of the current business; when it is monitored that the user starts a transaction based on the current business, the risk of the current transaction is judged based on the transaction restriction information and historical accumulated transaction information of the user; and if it is determined that the risk judgment result is high risk, the current transaction is blocked. The above technical scheme can first determine the user's risk level based on the user's basic information and historical transaction information, and realize accurate judgment of the user's risk level. Secondly, it can determine the transaction restriction information of the current business based on the demand information of the current business. It can also determine the user's transaction restriction information in the current business based on the user's risk level and the transaction restriction information of the current business, and realize the determination of transaction restriction information that is more adapted to the user's risk level and the demand information of the current business, so that the transaction restriction information is more matched with the user and the current business. In the process of monitoring the user's operation based on the financial platform, when it is monitored that the user opens a transaction based on the current business, the current transaction is judged based on the user's transaction restriction information and the historical accumulated transaction information and the transaction information of the current transaction, and the risk judgment of the current transaction is realized, thereby realizing timely discovery of high-risk transactions. When it is determined that the risk judgment result is high risk, the current transaction is blocked. By blocking the user's high-risk transactions in the current business, the risk control of the user's transactions in the current business is realized, and the loss of funds caused by high-risk transactions is effectively prevented, and the user's funds are guaranteed. Safety.

[0112] Based on the above embodiment, the acquisition module 310 is specifically used for:

[0113] Obtaining basic information and historical transaction information of a user; inputting the basic information and the historical transaction information into a pre-trained risk level determination model, so that the risk level determination model determines the risk level according to the basic information and the historical transaction information, wherein the risk level determination model is trained based on the basic information and historical transaction information and risk levels of multiple users.

[0114] Based on the above embodiment, the determination module 320 is specifically used for:

[0115] Determining initial transaction restriction information according to restriction information in the demand information of the current business, wherein the initial transaction restriction information includes an initial single transaction threshold and an initial cumulative transaction threshold;

[0116] If the risk level is lower than the demand level in the demand information of the current business, the single transaction threshold and the cumulative transaction threshold are adjusted down to obtain a target single transaction threshold and a target cumulative transaction threshold.

[0117] Based on the above embodiment, the determination module 330 is specifically used for:

[0118] When it is monitored that the user initiates a transaction based on the current business, the transaction information of the current transaction is determined; if the transaction information is greater than the target single transaction threshold, the risk judgment result is determined to be high risk; otherwise, the current cumulative transaction information is determined according to the transaction information of the current transaction and the historical cumulative transaction information; if the current cumulative transaction information is greater than the target cumulative transaction threshold, the risk judgment result is determined to be high risk; otherwise, the risk judgment result is determined to be low risk.

[0119] Based on the above embodiment, the execution module 340 is further used for:

[0120] When it is determined that the risk judgment result is low risk, the current transaction is passed, and the current accumulated transaction information is updated based on the transaction information of the current transaction.

[0121] The transaction control device provided in the embodiment of the present invention can execute the transaction control method provided in any embodiment of the present invention, and has the corresponding functional modules and beneficial effects for executing the transaction control method.

[0122] It is worth noting that in the embodiment of the above-mentioned transaction control device, the various units and modules included are only divided according to functional logic, but are not limited to the above-mentioned division, as long as the corresponding functions can be achieved; in addition, the specific names of the functional units are only for the convenience of distinguishing each other, and are not used to limit the scope of protection of the present invention.

[0123] Figure 4 A schematic diagram of the structure of an electronic device provided by an embodiment of the present invention. Figure 4 A block diagram of an exemplary electronic device 4 suitable for implementing embodiments of the present invention is shown. Figure 4 The electronic device 4 shown is only an example and should not bring any limitation to the functions and scope of use of the embodiments of the present invention.

[0124] like Figure 4 As shown, the electronic device 4 is in the form of a general purpose computing electronic device. The components of the electronic device 4 may include, but are not limited to: one or more processors or processing units 16, a system memory 28, and a bus 18 connecting different system components (including the system memory 28 and the processing unit 16).

[0125] Bus 18 represents one or more of several types of bus structures, including a memory bus or memory controller, a peripheral bus, an accelerated graphics port, a processor or a local bus using any of a variety of bus architectures. By way of example, these architectures include, but are not limited to, an Industry Standard Architecture (ISA) bus, a Micro Channel Architecture (MAC) bus, an Enhanced ISA bus, a Video Electronics Standards Association (VESA) local bus, and a Peripheral Component Interconnect (PCI) bus.

[0126] The electronic device 4 typically includes a variety of computer system readable media. These media can be any available media that can be accessed by the electronic device 4, including volatile and non-volatile media, removable and non-removable media.

[0127] The system memory 28 may include computer system readable media in the form of volatile memory, such as random access memory (RAM) 30 and / or cache memory 32. The electronic device 4 may further include other removable / non-removable, volatile / non-volatile computer system storage media. By way of example only, the storage system 34 may be used to read and write non-removable, non-volatile magnetic media ( Figure 4 not shown, usually called a "hard drive"). Although Figure 4 Not shown in the figure, a disk drive for reading and writing to a removable non-volatile disk (e.g., a "floppy disk"), and an optical disk drive for reading and writing to a removable non-volatile optical disk (e.g., a CD-ROM, a DVD-ROM, or other optical media) may be provided. In these cases, each drive may be connected to the bus 18 via one or more data medium interfaces. The system memory 28 may include at least one program product having a set (e.g., at least one) of program modules that are configured to perform the functions of the various embodiments of the present invention.

[0128] A program / utility 40 having a set (at least one) of program modules 42 may be stored, for example, in system memory 28, such program modules 42 including, but not limited to, an operating system, one or more application programs, other program modules, and program data, each of which or some combination may include an implementation of a network environment. Program modules 42 generally perform the functions and / or methods of the embodiments described herein.

[0129] The electronic device 4 may also communicate with one or more external devices 14 (e.g., keyboards, pointing devices, displays 24, etc.), one or more devices that enable a user to interact with the electronic device 4, and / or any device that enables the electronic device 4 to communicate with one or more other computing devices (e.g., network cards, modems, etc.). Such communication may be performed via an input / output (I / O) interface 22. Furthermore, the electronic device 4 may also communicate with one or more networks (e.g., a local area network (LAN), a wide area network (WAN), and / or a public network, such as the Internet) via a network adapter 20. Figure 4 As shown, the network adapter 20 communicates with other modules of the electronic device 4 via the bus 18. It should be understood that although Figure 4 Not shown, other hardware and / or software modules may be used in conjunction with the electronic device 4, including but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, and data backup storage systems.

[0130] The processing unit 16 executes various functional applications and page displays by running the programs stored in the system memory 28, for example, implementing the transaction control method provided in the embodiment of the present invention, which includes:

[0131] Obtaining basic information and historical transaction information of the user, and determining the risk level of the user according to the basic information and the historical transaction information;

[0132] Determine transaction restriction information of the user in the current business according to the risk level and demand information of the current business;

[0133] When it is detected that the user initiates a transaction based on the current business, a risk assessment is performed on the current transaction based on the transaction restriction information and historical accumulated transaction information of the user;

[0134] When the risk assessment result is determined to be high risk, the current transaction is blocked.

[0135] Of course, those skilled in the art can understand that the processor can also implement the technical solution of the transaction control method provided by any embodiment of the present invention.

[0136] An embodiment of the present invention provides a computer-readable storage medium on which a computer program is stored. When the program is executed by a processor, for example, a transaction control method provided by an embodiment of the present invention is implemented. The method includes:

[0137] Obtaining basic information and historical transaction information of the user, and determining the risk level of the user according to the basic information and the historical transaction information;

[0138] Determine transaction restriction information of the user in the current business according to the risk level and demand information of the current business;

[0139] When it is detected that the user initiates a transaction based on the current business, a risk assessment is performed on the current transaction based on the transaction restriction information and historical accumulated transaction information of the user;

[0140] When the risk assessment result is determined to be high risk, the current transaction is blocked.

[0141] The computer storage medium of the embodiment of the present invention can adopt any combination of one or more computer-readable media. The computer-readable medium can be a computer-readable signal medium or a computer-readable storage medium. The computer-readable storage medium can be, for example, but not limited to: an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device or device, or any combination of the above. More specific examples (non-exhaustive list) of computer-readable storage media include: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In this document, a computer-readable storage medium can be any tangible medium containing or storing a program, which can be used by an instruction execution system, device or device or used in combination with it.

[0142] Computer-readable signal media may include data signals propagated in baseband or as part of a carrier wave, which carry computer-readable program code. Such propagated data signals may take a variety of forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the above. Computer-readable signal media may also be any computer-readable medium other than a computer-readable storage medium, which may send, propagate, or transmit a program for use by or in conjunction with an instruction execution system, apparatus, or device.

[0143] The program code embodied on the computer readable medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.

[0144] Computer program code for performing the operations of the present invention may be written in one or more programming languages ​​or a combination thereof, including object-oriented programming languages ​​such as Java, Smalltalk, C++, and conventional procedural programming languages ​​such as "C" or similar programming languages. The program code may be executed entirely on the user's computer, partially on the user's computer, as a separate software package, partially on the user's computer and partially on a remote computer, or entirely on a remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any type of network, including a local area network (LAN) or a wide area network (WAN), or may be connected to an external computer (e.g., via the Internet using an Internet service provider).

[0145] It should be understood by those skilled in the art that the modules or steps of the present invention described above can be implemented by a general-purpose computing device, they can be concentrated on a single computing device, or distributed on a network composed of multiple computing devices, optionally, they can be implemented by a program code executable by a computer device, so that they can be stored in a storage device and executed by the computing device, or they can be made into individual integrated circuit modules, or multiple modules or steps therein can be made into a single integrated circuit module for implementation. Thus, the present invention is not limited to any specific combination of hardware and software.

[0146] In addition, the information collected in the technical solution of the present invention is information and data authorized by the user or fully authorized by all parties, and the collection, storage, use, processing, transmission, provision, disclosure and application of relevant data comply with the relevant laws, regulations and standards of relevant countries and regions, take necessary confidentiality measures, do not violate public order and good morals, and provide corresponding operation entrances for users to choose to authorize or refuse.

[0147] Note that the above are only preferred embodiments of the present invention and the technical principles used. Those skilled in the art will understand that the present invention is not limited to the specific embodiments herein, and that various obvious changes, readjustments and substitutions can be made by those skilled in the art without departing from the scope of protection of the present invention. Therefore, although the present invention has been described in more detail through the above embodiments, the present invention is not limited to the above embodiments, and may include more other equivalent embodiments without departing from the concept of the present invention, and the scope of the present invention is determined by the scope of the appended claims.

Claims

1. A transaction control method, characterized in that: include: Obtaining basic information and historical transaction information of the user, and determining the risk level of the user according to the basic information and the historical transaction information; Determine transaction restriction information of the user in the current business according to the risk level and demand information of the current business; When it is detected that the user initiates a transaction based on the current business, a risk assessment is performed on the current transaction based on the transaction restriction information and historical accumulated transaction information of the user; When the risk assessment result is determined to be high risk, the current transaction is blocked.

2. The transaction control method according to claim 1, characterized in that: Determining the risk level of the user according to the basic information and the historical transaction information includes: The basic information and the historical transaction information are input into a pre-trained risk level determination model so that the risk level determination model determines the risk level according to the basic information and the historical transaction information, wherein the risk level determination model is trained based on the basic information, historical transaction information and risk levels of multiple users.

3. The transaction control method according to claim 1, characterized in that: Determining the transaction restriction information of the user in the current business according to the risk level and the demand information of the current business includes: Determining initial transaction restriction information according to restriction information in the demand information of the current business, wherein the initial transaction restriction information includes an initial single transaction threshold and an initial cumulative transaction threshold; If the risk level is lower than the demand level in the demand information of the current business, the single transaction threshold and the cumulative transaction threshold are adjusted down to obtain a target single transaction threshold and a target cumulative transaction threshold.

4. The transaction control method according to claim 3, characterized in that: The risk assessment of the current transaction is performed based on the transaction restriction information and historical accumulated transaction information of the user, including: Determining transaction information of the current transaction; If the transaction information is greater than the target single transaction threshold, the risk judgment result is determined to be high risk; otherwise, the current accumulated transaction information is determined based on the transaction information of the current transaction and the historical accumulated transaction information; If the current accumulated transaction information is greater than the target accumulated transaction threshold, the risk judgment result is determined to be high risk; otherwise, the risk judgment result is determined to be low risk.

5. The transaction control method according to claim 4, characterized in that: After determining the risk of the current transaction according to the transaction restriction information and historical accumulated transaction information of the user, the method further includes: When it is determined that the risk judgment result is low risk, the current transaction is allowed.

6. The transaction control method according to claim 5, characterized in that: After the current transaction is completed, it also includes: The current accumulated transaction information is updated based on the transaction information of the current transaction.

7. A transaction control device, characterized in that: include: An acquisition module, used to acquire basic information and historical transaction information of a user, and determine the risk level of the user according to the basic information and the historical transaction information; A determination module, configured to determine transaction restriction information of the user in the current business according to the risk level and demand information of the current business; A judgment module, used to monitor that when the user initiates a transaction based on the current business, perform risk judgment on the current transaction according to the transaction restriction information and historical accumulated transaction information of the user; The execution module is used to block the current transaction when the risk judgment result is determined to be high risk.

8. An electronic device, characterized in that: The electronic device comprises: at least one processor; and a memory communicatively coupled to the at least one processor; The memory stores a computer program executable by the at least one processor, and the computer program is executed by the at least one processor so that the at least one processor can execute the transaction control method as described in any one of claims 1-6.

9. A storage medium containing computer executable instructions, characterized in that: The computer executable instructions are used to execute the transaction control method according to any one of claims 1 to 6 when executed by a computer processor.

10. 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 computer program implements the transaction control method according to any one of claims 1 to 6.

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