User admission qualification judgment system and method for transaction platform

Abstract

The invention relates to the technical field of transaction management, and discloses a user admission qualification judgment system and method for a transaction platform, and the method comprises the steps: constructing a merchant admission evaluation model and a risk evaluation model; determining a plurality of target transaction orders based on a tracking selection strategy, tracking information of the target transaction orders at present and in historical preset time, and inputting order tracking information into a risk assessment model to obtain transaction risk assessment information; determining whether to trigger admission qualification judgment based on the transaction risk assessment information; if the target transaction order is triggered, determining a target merchant corresponding to the target transaction order, obtaining transaction data and market information data of the target merchant at present and within historical preset time, and inputting the transaction data and the market information data into a risk assessment model to obtain merchant risk assessment information of the target merchant; determining whether to update a merchant access assessment model according to the transaction risk assessment information and the merchant risk assessment information; and performing merchant management according to the updated merchant admission evaluation model or merchant risk evaluation information.

Description

Technical Field

[0001] The present invention relates to the technical field of transaction management, and in particular to a system and method for determining user access qualifications for a transaction platform. Background Art

[0002] Existing users of coupon-based trading platforms include consumers and merchants. Through promotional means under the e-commerce model, consumers are allowed to purchase a certain product and then obtain another product at a price lower than the market price by adding a certain amount of money or points. This model can not only stimulate consumers' desire to buy, but also help merchants clear inventory, increase sales and customer stickiness.

[0003] At present, the platform's access assessment method for consumers and merchants mainly relies on static identity verification and business credit mechanisms. Usually, consumers need to provide basic information such as personal identity information and contact information when registering, and confirm the authenticity of their identity through real-name authentication; merchants also need to add business information to confirm the authenticity when registering; in addition, the platform will also refer to the user's credit record to assess his or her credit status. This assessment method aims to ensure that users participating in transactions have legal identities and a certain level of credit, in order to maintain the security and reliability of the platform.

[0004] As the number of platform users increases, various transaction-related risks also arise. Therefore, in order to protect the interests of all three parties and reduce the occurrence of transaction risks, it is necessary to establish and improve a set of transaction access mechanisms to minimize transaction risks. In the existing transaction access mechanism, the most basic access rules are usually used to make access judgments when merchants register, and after merchants settle in, the black and white lists of transactions are used to manage traders. However, this mechanism has the following disadvantages: 1) The maintenance of black and white lists requires a lot of human resources, so the maintenance is carried out regularly to reduce time and labor costs, but also sacrifices the timeliness of maintenance; 2) When configuring and maintaining the black and white lists, only some simple and fixed transaction elements are referred to, resulting in fewer data dimensions for transaction access judgments and insufficient flexibility, and there are problems such as inability to judge market changes or untimely and inaccurate judgments. Summary of the invention

[0005] The present invention aims to provide a user access qualification judgment system and method for a trading platform, which can dynamically and truly judge the user access qualifications of the trading platform to cope with the increasingly complex market environment and user needs, enrich the access qualification judgment dimensions, simplify the access qualification judgment process, and improve the quality and efficiency of merchant management.

[0006] The basic solution provided by the present invention is: a method for determining user access qualifications for a trading platform, the method comprising the following steps:

[0007] S100, constructing a merchant access assessment model based on historical merchant data and merchant access information; constructing a risk assessment model based on historical transaction data and market information data;

[0008] S200, determining a number of target transaction orders based on the tracking selection strategy, tracking the information of the target transaction orders at present and within a preset historical period to form order tracking information; inputting the order tracking information into a risk assessment model to obtain transaction risk assessment information;

[0009] S300, determining whether to trigger access qualification judgment based on transaction risk assessment information; if triggered, determining the target merchant corresponding to the target transaction order, obtaining the target merchant's current and historical transaction data and market information data within a preset time period, and inputting the risk assessment model to obtain the merchant risk assessment information of the target merchant;

[0010] S400, determining whether to update the merchant access assessment model based on the transaction risk assessment information and the merchant risk assessment information; and managing the merchant based on the merchant access qualification determination result obtained using the merchant risk assessment information and / or the updated merchant access assessment model.

[0011] The present invention is based on a method for determining user access qualifications for a trading platform, and further provides a system for determining user access qualifications for a trading platform; the system comprises:

[0012] A model building unit, used to build a merchant access assessment model based on historical merchant data and merchant access information; to build a risk assessment model based on historical transaction data and market information data; and to update the merchant access assessment model and risk assessment model;

[0013] A transaction tracking unit is used to determine a number of target transaction orders based on a tracking selection strategy, track the information of the target transaction orders at present and within a preset historical period, and form order tracking information; input the order tracking information into a risk assessment model to obtain transaction risk assessment information;

[0014] A trigger unit, used to determine whether to trigger access qualification judgment based on transaction risk assessment information;

[0015] The execution unit is used to determine the target merchant corresponding to the target transaction order after determining the triggering of the access qualification judgment, obtain the target merchant's current and historical transaction data and market information data within a preset time, and input the risk assessment model to obtain the merchant risk assessment information of the target merchant;

[0016] An access qualification judgment unit is used to determine whether to update the merchant access assessment model based on the transaction risk assessment information and the merchant risk assessment information; and is also used to judge the merchant access qualification based on the updated merchant access assessment model and output the access result;

[0017] The merchant management unit is used to manage merchants based on admission results and / or merchant risk assessment information.

[0018] The working principle and advantages of the present invention are:

[0019] In order to ensure the normal and safe conduct of platform transactions, the existing platforms conduct risk assessments on the access of merchants, usually only conducting risk assessments on the merchant identity when the merchant registers, so as to make access judgments; however, the access of merchants cannot be narrowly understood as being conducted only when the merchant registers. For the long-term safe operation of the platform, it is very necessary to conduct access qualification judgments at various times during the operation process after the merchant settles in. In addition, the existing platforms will manage merchants at various times during the operation process after the merchant settles in, but usually in order to ensure the interests of the platform, the conventional access qualification judgment is set at a low threshold and with few restrictions to ensure that a sufficient number of merchants settle in the platform. When managing merchants, it is impossible to use the access qualification judgment standards for merchant management, so completely different standards are required. This method leads to the separation of merchant access qualification judgment and merchant management. In the initial stage of platform operation, it can meet the system operation and maintenance requirements, but when the platform runs to a large number of merchants and transaction volume, this method obviously cannot meet the long-term operation of the platform.

[0020] Compared with the existing technology, this solution will integrate the access qualification judgment throughout the entire process of merchants from registration, entry, operation to closure. In the case of constantly changing markets and very complex transaction elements involved in the actual operation process, it can dynamically and reasonably determine the timing of merchant access qualification judgment, the method of adjusting access rules, and the merchant management based on the results of merchant access qualification re-judgment, so as to achieve the purpose of monitoring both sellers and buyers, maintaining the authenticity of platform transactions, and significantly improving the quality and efficiency of merchant management.

[0021] This solution cleverly uses the transaction risks tracked and monitored to trigger dynamic spot checks on merchant access qualifications, avoiding the problem of untimely merchant management caused by regular fixed maintenance, and at the same time maintaining the authenticity of platform transactions by tracking and monitoring transaction risks; using transaction data that may be risky, combined with market information data, it can effectively identify merchant operating risks and provide data support for subsequent targeted merchant management; combining transaction risks and operating risks, it can reasonably determine the timing of dynamic updates to the access qualification judgment rules to ensure reasonable adjustments to the access qualification judgment rules; managing merchants through updated access assessment models or merchant operating risks, it can quickly identify risky merchants based on the large number of platform users and transaction volumes, and accurately and effectively manage merchants, thereby improving the quality and efficiency of merchant management. BRIEF DESCRIPTION OF THE DRAWINGS

[0022] Figure 1 A schematic diagram of a flow chart of a method for determining user access qualifications for a trading platform provided in the first embodiment of the present invention;

[0023] Figure 2 This is a schematic diagram of the structure of a user access qualification determination system for a trading platform provided in Embodiment 1 of the present invention. DETAILED DESCRIPTION

[0024] The following is a further detailed description through specific implementation methods:

[0025] Embodiment 1

[0026] Basically as attached Figure 1 As shown: A method for determining user access qualifications for a trading platform, the method comprising:

[0027] S100, constructing a merchant access assessment model based on historical merchant data and merchant access information; constructing a risk assessment model based on historical transaction data and market information data;

[0028] Specifically, merchant data includes identity data and transaction data; identity data includes merchant name, contact person, contact number, business license information, ID card information, application notes information and capital information; transaction data includes consumer information, product information, transaction behavior information and merchant information; transaction behavior information includes consumer feedback information, that is, the evaluation content of consumers on order products, including pictures and text. Merchant access information includes access qualification judgment rules and access results; with merchant data as input and merchant access results as output, a merchant access evaluation model is constructed. The merchant access evaluation model includes access qualification judgment items and their corresponding access conditions, such as at least 5 years of operation and credit rating of B or above; after inputting merchant data and comparing access qualification judgment items and their corresponding access conditions, the merchant access results are obtained. The access results can be specific values, levels, or language descriptions, such as access and non-access, intermediate and advanced access, access probability 50%, 70%, etc., to realize the risks existing in the merchant access platform at this stage, so as to manage merchants.

[0029] Market information data includes public notification information, which includes merchant information and its illegal and rewarded items, among which illegal items include intellectual property infringement. A risk assessment model is constructed with transaction data and / or market information data as input and risk assessment results as output. The risk assessment results are the risks of transactions, including the authenticity risk of transaction orders and the business risk of merchant transactions.

[0030] By using the model evaluation method, merchants can be quickly assessed for access and operating risks, thereby improving the efficiency of risk assessment. The two model training construction methods can use supervised model training, unsupervised model training, or other model training methods, which are not specifically limited in the embodiments of this specification.

[0031] In this embodiment, model training can be performed using random forests, which is an ensemble learning method consisting of multiple decision trees. It samples different subsets of the data set and trains multiple independent decision trees, and then aggregates their results to obtain the final prediction. This algorithm can not only effectively process high-dimensional data, but also automatically capture nonlinear relationships between variables, improving the robustness and generalization ability of the model. In the trading platform, random forests can be used to comprehensively consider multiple factors (such as transaction history, user reviews, credit scores, etc.) to conduct comprehensive access and risk assessments to ensure the accuracy and reliability of assessment judgments.

[0032] S200, determining a number of target transaction orders based on the tracking selection strategy, tracking the information of the target transaction orders at present and within a preset historical period to form order tracking information; inputting the order tracking information into a risk assessment model to obtain transaction risk assessment information;

[0033] Specifically, the tracking selection strategy is to randomly select a transaction order based on a random sampling method to obtain transaction data; using one of the randomly selected transaction data, select several transaction orders that are strongly correlated with the transaction order by a correlation method, thereby forming a target transaction order set, and tracking all target transaction orders in the set. In this embodiment, the selection can be based on the product category in the product information to monitor the risk of similar products. The use of random selection and strong correlation analysis can avoid the inaccuracy of the preset and the complexity of determining the preset strategy. In other embodiments, the scope of this random selection can be determined before this random selection, such as avoiding the category of transaction data used in the last random selection or the specific products of the category, so as to improve the coverage of monitoring.

[0034] Generally, the use of consumption vouchers includes offline verification and online payment; order tracking information includes transaction data and tracking marks for each process node of the transaction data. The specific tracking method is implemented by existing technology and is not specifically limited in the embodiments of this specification.

[0035] The transaction risk assessment information represents the probability of authenticity of the target transaction order. The transaction risk assessment information can be a specific score, level, probability, etc. For example, the risk probability of determining the credibility of the transaction order is 5 points, medium, or 0.5. The specific setting can be based on actual needs and is not specifically limited in the embodiments of this specification. The authenticity of the order is reflected according to the transaction risk assessment information to ensure a good business environment.

[0036] S300, determining whether to trigger access qualification judgment based on transaction risk assessment information; if triggered, determining the target merchant corresponding to the target transaction order, obtaining the target merchant's current and historical transaction data and market information data within a preset time period, and inputting the risk assessment model to obtain the merchant risk assessment information of the target merchant;

[0037] Specifically, since the platform user and transaction volume data are relatively large, in order to ensure that the dynamic access qualification judgment does not cause additional burden on the system computing power, this solution triggers each access judgment based on the transaction risk assessment results of the order, which can balance the system computing power and the frequency of dynamic access qualification judgment.

[0038] When the transaction risk assessment information indicates that the current transaction is highly authentic, it means that the current transaction risk is low and the transaction is in a good state without merchant management. On the contrary, when the transaction risk assessment information indicates that the current transaction is not authentic, it means that the current transaction risk is high and merchant management is required to restore a good transaction state. Specifically, the transaction risk can be determined by whether the data in the transaction risk assessment information exceeds the threshold. For example, if the credibility is lower than the threshold, it means that the transaction risk is high, and if it is greater than the threshold, it means that the transaction risk is low.

[0039] After the access qualification judgment is triggered, the merchants that need to be managed correspond to the merchants involved in the target transaction orders with risks. The merchants that need to be managed are screened based on the transaction orders with risks, which can clarify the management focus and avoid the waste of time and manpower costs such as too many merchants, inadequate management or excessive management. The merchant risk assessment information of the target merchant is used to characterize the operating risk of the target merchant on the platform. Like the transaction risk assessment information, it can be a specific score, level, probability, etc. For example, it is determined that the merchant's operating risk value is 5 points or intermediate or 0.5 risk probability. It can be set according to actual needs and is not specifically limited in the embodiments of this specification.

[0040] S400, determining whether to update the merchant access assessment model based on the transaction risk assessment information and the merchant risk assessment information; and managing the merchant based on the merchant access qualification determination result obtained using the merchant risk assessment information and / or the updated merchant access assessment model.

[0041] Specifically, the risk value is calculated based on the transaction risk assessment information and the merchant risk assessment information and their preset weights, and the merchant access assessment model is updated when the risk value exceeds the risk threshold.

[0042] If updated, the updated merchant access assessment model is used to determine the access qualifications of the target merchant, and the merchant management is performed based on the judgment results; specifically, the merchant data of the target merchant obtained from this access qualification judgment is aggregated and input into the merchant access assessment model data to optimize the model or strategy, thereby improving the accuracy of the merchant access assessment. The update objects are the access qualification judgment items and their corresponding access conditions. The access conditions corresponding to the access qualification judgment items can be updated, and the access qualification judgment items and their corresponding access conditions can also be added or deleted. The merchant data of the target merchant is input into the updated merchant access assessment model to obtain the access results of the target merchant, and the merchant management is performed based on the access results combined with the merchant risk assessment information.

[0043] If not updated, merchant management will be performed directly based on merchant risk assessment information.

[0044] like Figure 2 As shown, in order to execute the above-mentioned method for determining the user access qualification of a trading platform, a system for determining the user access qualification of a trading platform is also provided, and the system includes:

[0045] A model building unit, used to build a merchant access assessment model based on historical merchant data and merchant access information; to build a risk assessment model based on historical transaction data and market information data; and to update the merchant access assessment model and risk assessment model;

[0046] A transaction tracking unit is used to determine a number of target transaction orders based on a tracking selection strategy, track the information of the target transaction orders at present and within a preset historical period, and form order tracking information; input the order tracking information into a risk assessment model to obtain transaction risk assessment information;

[0047] A trigger unit, used to determine whether to trigger access qualification judgment based on transaction risk assessment information;

[0048] The execution unit is used to determine the target merchant corresponding to the target transaction order after determining the triggering of the access qualification judgment, obtain the target merchant's current and historical transaction data and market information data within a preset time, and input the risk assessment model to obtain the merchant risk assessment information of the target merchant;

[0049] An access qualification judgment unit is used to determine whether to update the merchant access assessment model based on the transaction risk assessment information and the merchant risk assessment information; and is also used to judge the merchant access qualification based on the updated merchant access assessment model and output the access result;

[0050] The merchant management unit is used to manage merchants based on admission results and / or merchant risk assessment information.

[0051] It can be understood that the above-mentioned units are able to fully execute the above-mentioned methods, and the specific process will not be repeated here.

[0052] The user access qualification judgment system and method for a trading platform provided in this embodiment cleverly triggers dynamic spot checks on merchant access qualification judgments based on transaction risks tracked and monitored, thereby avoiding the problem of untimely merchant management caused by regular fixed maintenance, and at the same time maintaining the authenticity of platform transactions by tracking and monitoring transaction risks; using transaction data that may have risks, combined with market information data, can effectively identify merchant operating risks and provide data support for subsequent targeted merchant management; combining transaction risks and operating risks, reasonably determine the timing of dynamic updates to access qualification judgment rules to ensure reasonable adjustments to access qualification judgment rules; managing merchants through updated access assessment models or merchant operating risks, and being able to accurately and effectively manage merchants based on quickly identified risky merchants when the platform has a large number of users and transaction volumes, thereby improving the quality and efficiency of merchant management.

[0053] Embodiment 2

[0054] Different from the first embodiment, in S300, when determining whether to trigger the access qualification judgment based on the transaction risk assessment information, the data threshold in the transaction risk assessment information is dynamically adjusted according to the currently determined target transaction order quantity. For example, the initial threshold value is 500 orders, 50%. When the determined target transaction order quantity is between 500 and 1000 orders, the threshold is lowered to 40%. When it is greater than 1000 orders, the threshold is lowered to 30%. In this way, the data volume and recognition rate are balanced, the impact of the order quantity on risk identification is reduced, and risks can be better identified regardless of the order quantity.

[0055] Embodiment 3

[0056] Different from embodiments one and two, in S400, when the merchant access evaluation model is updated, the original merchant access evaluation model is retained. When model update analysis is required, the same merchant data is input into different merchant access evaluation models, and the outputs of each model are compared and evaluated to analyze the rationality of the model update method, so as to provide data support for the optimization of the user access qualification judgment method.

[0057] Embodiment 4

[0058] Unlike the first, second and third embodiments, the merchant management operation is not limited to raising or lowering the merchant rating, restricting merchant access, configuring blacklists and whitelists for merchants, merchant operation risk warnings, order risk warnings, and displaying illegal content. This management operation can be adjusted directly, and then the adjustment information is sent to the management end for marking; or the adjustment suggestion can be sent to the management end first, and the management end will make adjustments after review to ensure the compliance and accuracy of the adjustment.

[0059] Among them, the merchant management is performed by using the updated merchant access evaluation model to determine the merchant access qualification and obtain the access result, which is to extract the corresponding data of the access qualification judgment item from the merchant data of the target merchant, retrieve the corresponding access conditions of the access qualification judgment item to perform membership judgment, and use the membership as the access probability value, which is represented as the access result. The calculation is specifically performed through the following process:

[0060] Assume that there are n entry qualification judgment items, each item corresponds to a specific entry condition Ci, and for each item, the corresponding value xi can be extracted from the target merchant's data. The entry qualification judgment result of the target merchant is reflected in the entry probability P, which can be calculated by the following formula:

[0061]

[0062] Where: μc i (x i ) is the membership function of the i-th entry; w iis the weight of the ith item; n is the total number of eligibility criteria items.

[0063] The membership function can be calculated using existing methods. According to the specific access conditions and the actual data of the merchant, a value between 0 and 1 is calculated to indicate the merchant's compliance with the item. For example, if a condition is "sales in the past year exceeded 1 million yuan", the difference between the actual sales and 1 million yuan will be used to determine the membership function. i (x i ) value. The weight wi reflects the importance of the item in the overall evaluation. Different items may have different importances, so different weights are assigned. By weighted average, the membership of all items is combined to obtain an overall admission probability value P. The closer this value is to 1, the more the merchant meets all the admission conditions; conversely, the closer it is to 0, the less it meets.

[0064] A decision threshold T is set according to the needs of system users. When P is not less than T, the merchant is considered to meet the admission conditions; otherwise, it is not allowed to enter. This method not only takes into account the comprehensive impact of multiple admission conditions, but also allows the importance of each condition to be flexibly adjusted, ensuring the scientificity and accuracy of the evaluation process. At the same time, the introduction of fuzzy logic through the concept of membership enables the system to better handle boundary conditions and improve the flexibility and adaptability of decision-making.

[0065] In addition, based on the admission results and decision thresholds of each target merchant, the admission changes of the overall merchants are judged. Specifically, the admission results P of the target merchant are calculated. i and the standard deviation σ of the decision threshold T T :

[0066]

[0067] Among them, m is the number of target merchants. If σ T is smaller, it means that the admission qualifications of most target merchants are close to the required decision threshold T; if σ T If it is large, it means that there is a large gap between the entry qualifications of most target merchants and the required decision threshold, which means that the current transaction trend is relatively large and this group of target merchants has greater risks and needs to be managed in a focused manner.

[0068] The above is only an embodiment of the present invention. The common sense such as the known specific structure and characteristics in the scheme is not described in detail here. The ordinary technicians in the relevant field are aware of all the common technical knowledge in the technical field of the invention before the application date or priority date, can obtain all the existing technologies in the field, and have the ability to apply the conventional experimental means before that date. The ordinary technicians in the relevant field can improve and implement the scheme in combination with their own abilities under the enlightenment given by this application. Some typical known structures or known methods should not become obstacles for the ordinary technicians in the relevant field to implement this application. It should be pointed out that for the technicians in this field, without departing from the structure of the present invention, several deformations and improvements can be made, which should also be regarded as the protection scope of the present invention, and these will not affect the effect of the implementation of the present invention and the practicality of the patent.

Claims

1. A method for determining user access qualifications for a trading platform, characterized in that: The method comprises: S100, constructing a merchant access assessment model based on historical merchant data and merchant access information; constructing a risk assessment model based on historical transaction data and market information data; S200, determining a number of target transaction orders based on the tracking selection strategy, tracking the information of the target transaction orders at present and within a preset historical period to form order tracking information; inputting the order tracking information into a risk assessment model to obtain transaction risk assessment information; S300, determining whether to trigger access qualification judgment based on transaction risk assessment information; if triggered, determining the target merchant corresponding to the target transaction order, obtaining the target merchant's current and historical transaction data and market information data within a preset time period, and inputting the risk assessment model to obtain the merchant risk assessment information of the target merchant; S400, determining whether to update the merchant access assessment model based on the transaction risk assessment information and the merchant risk assessment information; and managing the merchant based on the merchant access qualification determination result obtained using the merchant risk assessment information and / or the updated merchant access assessment model.

2. The method for determining user access qualifications for a trading platform according to claim 1, characterized in that: The merchant access assessment model includes access qualification judgment items and their corresponding access conditions.

3. The method for determining user access qualifications for a trading platform according to claim 1, characterized in that: Merchant data includes identity data and transaction data; transaction data includes consumer information, product information, transaction behavior information and merchant information.

4. The method for determining user access qualifications for a trading platform according to claim 1, characterized in that: Market information data includes public notification information; public notification information includes merchant information and its illegal and reward matters, among which illegal matters include intellectual property infringement.

5. The method for determining user access qualifications for a trading platform according to claim 3, characterized in that: In S200, the tracking selection strategy is to randomly select at least one transaction order and its transaction data based on a random sampling method; and select several transaction orders that are strongly related to the transaction order based on at least one of the transaction data to form a target transaction order set.

6. The method for determining user access qualifications for a trading platform according to claim 1, characterized in that: The transaction risk assessment information represents the authenticity probability of the target transaction order; in S300, whether to trigger the access qualification judgment is determined based on the transaction risk assessment information. When the data in the transaction risk assessment information is lower than its threshold, it represents that the authenticity probability of the target transaction order is low, and the access qualification judgment is triggered, otherwise it is not triggered.

7. The method for determining user access qualifications for a trading platform according to claim 6, characterized in that: The threshold is dynamically adjusted based on the determined target transaction order quantity.

8. The method for determining user access qualifications for a trading platform according to claim 1, characterized in that: In S400, determining whether to update the merchant access assessment model based on the transaction risk assessment information and the merchant risk assessment information is to calculate the risk value based on the data of the transaction risk assessment information and the merchant risk assessment information and their weights, and determining to update the merchant access assessment model when the risk value exceeds the risk threshold.

9. The method for determining user access qualifications for a trading platform according to claim 1, characterized in that: The admission result obtained by judging the admission qualification of the target merchant is expressed as the admission probability P, and the standard deviation σ is calculated based on the admission result of each target merchant and the set decision threshold T T , to determine the overall target merchants' access changes: Among them, μc i (x i ) is the membership function of the i-th entry; w i is the weight of the ith item; n is the total number of eligibility judgment items; and m is the number of target merchants.

10. A user access qualification judgment system for a trading platform, characterized in that: A method for determining user access qualifications for a trading platform according to any one of claims 1 to 9 is implemented; the system comprising: A model building unit, used to build a merchant access assessment model based on historical merchant data and merchant access information; to build a risk assessment model based on historical transaction data and market information data; and to update the merchant access assessment model and risk assessment model; A transaction tracking unit is used to determine a number of target transaction orders based on a tracking selection strategy, track the information of the target transaction orders at present and within a preset historical period, and form order tracking information; input the order tracking information into a risk assessment model to obtain transaction risk assessment information; A trigger unit, used to determine whether to trigger access qualification judgment based on transaction risk assessment information; The execution unit is used to determine the target merchant corresponding to the target transaction order after determining the triggering of the access qualification judgment, obtain the target merchant's current and historical transaction data and market information data within a preset time, and input the risk assessment model to obtain the merchant risk assessment information of the target merchant; An access qualification judgment unit is used to determine whether to update the merchant access assessment model based on the transaction risk assessment information and the merchant risk assessment information; and is also used to judge the merchant access qualification based on the updated merchant access assessment model and output the access result; The merchant management unit is used to manage merchants based on admission results and / or merchant risk assessment information.

Images