Resource transfer-based management method and device, equipment and medium

Abstract

The embodiment of the invention discloses a management method and device based on resource transfer, equipment and a medium, which can be applied to scenes such as intelligent traffic, auxiliary driving, cloud technology and artificial intelligence. The method comprises the steps of calculating to obtain a security level of each resource receiving party based on multi-dimensional feature data of each resource receiving party, then constructing to obtain an association network based on the security level of each resource receiving party and an association relationship among a plurality of resource receiving parties, and dividing the resource receiving parties contained in the association network to obtain a plurality of resource receiving parties; the method comprises the steps of obtaining a plurality of object groups according to a security level of resource receiving parties in each object group and the number of the resource receiving parties having a communication association relationship in each object group, then calculating security parameters of each object group based on the security level of the resource receiving parties in each object group and the number of the resource receiving parties having the communication association relationship in each object group, and then performing security management on each object group based on the security parameters of each object group. According to the technical scheme, the management process of resource transfer is simplified, and the management efficiency of resource transfer is improved.

Description

Technical Field

[0001] The present application relates to the field of computer technology, and in particular, to a management method based on resource transfer, a management device based on resource transfer, an electronic device, and a computer-readable medium. Background Art

[0002] It is understandable that with the development of computers, resource transfer has become more mature and has brought many conveniences to people's lives. The resources involved in resource transfer include but are not limited to monetary resources, futures, etc., which usually appear in operations such as payment and transfer. In related technologies, security management is performed for resource transfer in certain scenarios (such as cross-border resource transfer, etc.), but due to the large amount of data involved in resource transfer, the management process for resource transfer is relatively cumbersome and the management efficiency is low.

[0003] Therefore, how to simplify the management process of resource transfer to improve the management efficiency of resource transfer is an urgent problem to be solved. Summary of the invention

[0004] The embodiments of the present application provide a management method and apparatus, device, and medium based on resource transfer, which simplifies the management process of resource transfer and improves the management efficiency of resource transfer.

[0005] In a first aspect, an embodiment of the present application provides a management method based on resource transfer, the method comprising: calculating the security level of each resource collector based on multi-dimensional feature data of each resource collector; constructing an association network based on the security level of each resource collector and the association relationship between multiple resource collectors, and dividing the resource collectors contained in the association network to obtain multiple object groups; calculating the security parameters of each object group based on the security level of the resource collectors in each object group and the number of resource collectors with connected association relationships in each object group; and performing security management on each object group based on the security parameters of each object group.

[0006] In a second aspect, an embodiment of the present application provides a management device based on resource transfer, the device comprising: a first calculation module, configured to calculate the security level of each resource collector based on the multi-dimensional feature data of each resource collector; a construction and division module, configured to construct an association network based on the security level of each resource collector and the association relationship between multiple resource collectors, and divide the resource collectors contained in the association network to obtain multiple object groups; a second calculation module, configured to calculate the security parameters of each object group based on the security level of the resource collectors in each object group and the number of resource collectors with connected association relationships in each object group; and a management module, configured to perform security management on each object group based on the security parameters of each object group.

[0007] In a third aspect, an embodiment of the present application provides an electronic device, comprising one or more processors; and a memory for storing one or more programs, wherein when the one or more programs are executed by the one or more processors, the electronic device implements the resource transfer-based management method as described above.

[0008] In a fourth aspect, an embodiment of the present application provides a computer-readable medium having a computer program stored thereon, and when the computer program is executed by a processor, the resource transfer-based management method as described above is implemented.

[0009] In a fifth aspect, an embodiment of the present application provides a computer program product, including computer instructions, which, when executed by a processor, implement the resource transfer-based management method as described above.

[0010] In the technical solution provided in the embodiments of the present application: the security level of the resource collector is calculated based on the multi-dimensional feature data of the resource collector, and an associated network is constructed based on the security level of the resource collector and the association relationship between the resource collectors, and then the object groups are securely managed by dividing the object groups in the associated network and calculating the security parameters of the object groups; that is, the management of the resource collectors in resource transfer is realized, the management process of resource transfer is simplified, and the management efficiency of resource transfer is improved.

[0011] On the one hand, since the multi-dimensional feature data of the resource collector is feature data of multiple dimensions of the resource collector, the feature data is more comprehensive and has higher granularity. Therefore, the security level of the resource collector calculated based on the multi-dimensional feature data of the resource collector is highly accurate.

[0012] On the one hand, the security level calculated by the multi-dimensional characteristics of the resource collector is applied to the construction of the associated network, so that the security management of the object groups in the associated network can be carried out based on the associated network, with a simple management process and high management efficiency.

[0013] It should be understood that the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the present application. BRIEF DESCRIPTION OF THE DRAWINGS

[0014] Figure 1 It is a schematic diagram of an exemplary implementation environment to which the technical solution of the embodiments of the present application can be applied.

[0015] Figure 2 It is a flow chart of a management method based on resource transfer shown in an exemplary embodiment of the present application.

[0016] Figure 3 is a flow chart of a management method based on resource transfer according to another exemplary embodiment of the present application.

[0017] Figure 4 is a flow chart of a management method based on resource transfer according to another exemplary embodiment of the present application.

[0018] Figure 5 is a schematic diagram of an association network shown in an exemplary embodiment of the present application.

[0019] Figure 6 is a flow chart of a management method based on resource transfer according to another exemplary embodiment of the present application.

[0020] Figure 7 is a flow chart of a management method based on resource transfer according to another exemplary embodiment of the present application.

[0021] Figure 8 is a flow chart of a management method based on resource transfer according to another exemplary embodiment of the present application.

[0022] Fig. 9 is a flow chart of a management method based on resource transfer according to another exemplary embodiment of the present application.

[0023] Fig.10 It is a schematic diagram of dividing object groups in an association network according to another exemplary embodiment of the present application.

[0024] Fig.11 It is a schematic diagram of a management method based on resource transfer shown in another exemplary embodiment of the present application.

[0025] Fig.12It is a block diagram of a management device based on resource transfer shown in an exemplary embodiment of the present application.

[0026] Fig.13 It is a schematic diagram of the structure of a computer system suitable for implementing an electronic device of an embodiment of the present application. DETAILED DESCRIPTION

[0027] Here, exemplary embodiments will be described in detail, examples of which are shown in the accompanying drawings. When the following description refers to the drawings, unless otherwise indicated, the same numbers in different drawings represent the same or similar elements. The embodiments described in the following exemplary embodiments do not represent all embodiments that are the same as the present application. Instead, they are only examples of devices and methods that are the same as some aspects of the present application as detailed in the attached claims.

[0028] The block diagrams shown in the accompanying drawings are merely functional entities and do not necessarily correspond to physically independent entities. That is, these functional entities may be implemented in software form, or in one or more hardware modules or integrated circuits, or in different networks and / or processor devices and / or microcontroller devices.

[0029] The flowcharts shown in the accompanying drawings are only exemplary and do not necessarily include all the contents and operations / steps, nor must they be executed in the order described. For example, some operations / steps can be decomposed, and some operations / steps can be combined or partially combined, so the actual execution order may change according to actual conditions.

[0030] It should be noted that the "multiple" mentioned in this application refers to two or more than two. "And / or" describes the association relationship of the associated objects, indicating that there can be three relationships. For example, A and / or B can mean: A exists alone, A and B exist at the same time, and B exists alone. The character " / " generally indicates that the previous and next associated objects are in an "or" relationship.

[0031] It is understandable that with the development of computers, resource transfer has become more mature and has brought many conveniences to people's lives. The resources involved in resource transfer include but are not limited to monetary resources, futures, etc., which usually appear in operations such as payment and transfer. In related technologies, security management is performed for resource transfer in certain scenarios (such as cross-border resource transfer, etc.), but due to the large amount of data involved in resource transfer, the management process for resource transfer is relatively cumbersome and the management efficiency is low.

[0032] Therefore, in order to simplify the management process of resource transfer and improve the management efficiency of resource transfer, this application provides a management solution based on resource transfer. Figure 1 , Figure 1 1 is a schematic diagram of an implementation environment involved in the present application. The implementation environment mainly includes a terminal device 101 and a server 102, wherein the terminal device 101 and the server 102 communicate with each other via a wired or wireless network.

[0033] The terminal device 101 refers to an electronic device that can perform corresponding logical calculation processing. Exemplarily, the terminal device 101 includes but is not limited to a computer, a tablet, a laptop, a smart phone, a smart wearable device, etc.

[0034] Server 102 refers to a server that can interact with terminal device 101, and it can also perform corresponding logical computing processing. Exemplarily, server 102 can be an independent physical server, or a server cluster or distributed system composed of multiple physical servers, or a cloud server that provides basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, CDN (Content Delivery Network), and big data and artificial intelligence platforms, etc., which are not limited here.

[0035] It should be noted that Figure 1 The number of terminal devices 101 and servers 102 in the figure is only for illustration, and any number of terminal devices 101 and servers 102 may be provided according to actual needs.

[0036] In one embodiment of the present application, the management method based on resource transfer can be executed by the server 102 .

[0037] Exemplarily, server 102 calculates the security level of each resource collector based on the multi-dimensional feature data of each resource collector; then, based on the security level of each resource collector and the association relationship between multiple resource collectors, constructs an association network, and divides the resource collectors contained in the association network to obtain multiple object groups; then, based on the security level of the resource collectors in each object group and the number of resource collectors with connected association relationships in each object group, calculates the security parameters of each object group; then, performs security management on each object group based on the security parameters of each object group.

[0038] In one embodiment of the present application, the management method based on resource transfer can be executed by the terminal device 101.

[0039] Exemplarily, the terminal device 101 calculates the security level of each resource collector based on the multi-dimensional feature data of each resource collector; then, based on the security level of each resource collector and the association relationship between multiple resource collectors, an association network is constructed, and the resource collectors contained in the association network are divided to obtain multiple object groups; then, based on the security level of the resource collectors in each object group and the number of resource collectors with connected association relationships in each object group, the security parameters of each object group are calculated; then, security management of each object group is performed based on the security parameters of each object group.

[0040] In one embodiment of the present application, the management method based on resource transfer can also be interactively executed by the terminal device 101 and the server 102, which will not be repeated here.

[0041] Figure 1 The technical solutions of the illustrated embodiments can be applied to various scenarios, including but not limited to smart transportation, assisted driving, cloud technology, artificial intelligence, etc.; in actual applications, corresponding adjustments can be made according to specific application scenarios.

[0042] For example, if applied to smart transportation or assisted driving scenarios, resource transfer can be initiated based on map applications, where map applications refer to applications that involve maps and implement positioning, navigation and other functions based on maps. Optionally, map applications can be installed in the terminal device 101, which can be a vehicle-mounted terminal, a navigation terminal, etc. The server 102 can be a background computer that interacts with the vehicle-mounted terminal, the navigation terminal, etc.; accordingly, the application solution can be implemented by the background computer that interacts with the vehicle-mounted terminal, the navigation terminal, etc., thereby simplifying the management process of resource transfer in smart transportation or assisted driving scenarios and improving the management efficiency of resource transfer.

[0043] Exemplarily, if applied in cloud technology or artificial intelligence scenarios, resource transfer can be initiated based on a transnational resource transfer system, where the transnational resource transfer system refers to a system that handles transnational-related resource transfer business (such as resource transfer for studying abroad), which can correspond to a client (such as an application or mini-program) and a server (such as a cloud server); accordingly, the cloud server can implement the present application solution, thereby simplifying the management process of resource transfer in cloud technology or artificial intelligence scenarios and improving the management efficiency of resource transfer.

[0044] It should be noted that in the specific implementation of this application, user-related data is involved. When the embodiments of this application are applied to specific products or technologies, user permission or consent is required, and the collection, use and processing of relevant data need to comply with relevant laws, regulations and standards of relevant countries and regions.

[0045] The following is a detailed description of various implementation details of the technical solution of the embodiment of the present application:

[0046] See also Figure 2 , Figure 2 FIG. 1 is a flow chart of a management method based on resource transfer according to an embodiment of the present application. The management method based on resource transfer can be executed by the server 102. Figure 2 As shown, the resource transfer-based management method at least includes S201 to S204, which are described in detail as follows:

[0047] S201, based on the multi-dimensional feature data of each resource collector, calculate the security level of each resource collector.

[0048] In the embodiment of the present application, the resource receiver refers to the party that receives the resources, that is, the party to which the resources are transferred, and can be any type of merchant / business / seller group; correspondingly, the resource spender refers to the party that spends the resources, that is, the party that transfers the resources out, and can be any type of buyer, etc. For example, if object 1 transfers a specified amount of resources to object 2, object 2 is the resource receiver and object 1 is the resource spender.

[0049] In the embodiment of the present application, multi-dimensional feature data refers to feature data of multiple dimensions. Among them, feature data is data related to resource transfer. It can be understood that there are usually a lot of data related to resource transfer, so the data related to resource transfer can be divided into multiple dimensions to facilitate data collection, management, etc.

[0050] Exemplarily, the multiple dimensions include, but are not limited to, the resource spender dimension, the resource fluctuation dimension, the resource transfer scenario dimension, and the resource collector dimension. Among them, the resource spender dimension is related to the resource spender; accordingly, the characteristic data of the resource spender dimension includes, but is not limited to, the resource spender's own attribute data (such as age, gender, tags, etc.). The resource fluctuation dimension is related to resource transfer; accordingly, the characteristic data of the resource fluctuation dimension includes, but is not limited to, the frequency of resource transfer (such as the frequency / number of resource transfers in a certain time period), the number of resource transfers (such as the total number of resources transferred in a certain time period, the number of resources corresponding to the largest resource transferred in a certain time period, etc.). The resource transfer scenario dimension is related to the scenario in which the resource transfer is performed; accordingly, the characteristic data of the resource transfer scenario dimension includes, but is not limited to, the resource transfer time, the transfer / payment method used, etc. The resource collector dimension is related to the resource collector; accordingly, the characteristic data of the resource collector dimension includes, but is not limited to, feedback data for the resource collector (such as complaints / reports, etc.), credit data of the resource collector, etc.

[0051] In the embodiment of the present application, the server can calculate the security level of each resource collector based on the multi-dimensional feature data of each resource collector.

[0052] For example, please refer to Table 1, which is an example of calculating the security level of the resource collector.

[0053]

[0054] Table 1

[0055] As shown in Table 1, the security level 1 for resource collector rc1 is calculated using the feature data D1_fd11 of dimension 1, feature data D2_fd11 of dimension 2, and feature data D3_fd11 of dimension 3 corresponding to resource collector rc1. The security level 1 for resource collector rc2 is calculated using the feature data D1_fd21 of dimension 1, feature data D2_fd21 of dimension 2, and feature data D3_fd21 of dimension 3 corresponding to resource collector 2. The security level 3 for resource collector rc3 is calculated using the feature data D1_fd31 of dimension 1, feature data D2_fd31 of dimension 2, and feature data D3_fd31 of dimension 3.

[0056] S202: construct an association network based on the security level of each resource collector and the association relationship between multiple resource collectors, and divide the resource collectors included in the association network to obtain multiple object groups.

[0057] In the embodiment of the present application, the association relationship between multiple resource collectors refers to the association relationship formed due to resource transfer by resource spenders, which includes connected association relationships and non-connected association relationships, wherein a connected association relationship means that there are one or more identical resource spenders between two resource collectors, and a non-connected association relationship means that there are no identical resource spenders between two resource collectors.

[0058] In the embodiment of the present application, the associated network refers to a network constructed by utilizing the security level of each resource collector and the association relationship between multiple resource collectors. For ease of understanding, it is referred to as an associated network.

[0059] In the embodiment of the present application, the object group refers to the object group obtained by dividing the resource collectors contained in the associated network using a preset division algorithm (such as a modularity algorithm). Optionally, the number of object groups obtained by the division can be one or more. When the number of object groups obtained by the division is multiple, the number of resource collectors included in each object group can be the same or different; wherein, usually each object group includes multiple resource collectors, and the closeness of multiple resource collectors in the same object group is relatively large, and the closeness of multiple resource collectors between different object groups is relatively small. Optionally, as described in the above embodiment, when the resource collector is a merchant / merchant / seller group, the object group is a group composed of merchant / merchant / seller groups.

[0060] In the embodiment of the present application, the server obtains the security level of each resource collector, and then can construct an associated network based on the security level of each resource collector and the association relationship between multiple resource collectors, and divide the resource collectors contained in the associated network to obtain multiple object groups.

[0061] For example, please see Table 2, which is an example of the division of object groups in the association network.

[0062]

[0063] Table 2

[0064] As shown in Table 2, there are n resource collectors in the associated network, namely resource collector rc1, resource collector rc2, resource collector rc3...resource collector rc(n). After division, two object groups are obtained, namely object group 1 and object group 2. Object group 1 includes resource collector rc1, resource collector rc2, resource collector rc3...resource collector rc30, and object group 2 includes resource collector rc31, resource collector rc32...resource collector rc(n-1) and resource collector rc(n).

[0065] S203: Calculate the security parameter of each object group based on the security level of the resource receivers in each object group and the number of resource receivers in a connected association relationship in each object group.

[0066] In the embodiment of the present application, the security parameter of the object group is used to characterize the security status of the object group.

[0067] In the embodiment of the present application, the server obtains an associated network divided into multiple object groups, and then can calculate the security parameters of each object group based on the security level of the resource collectors in each object group and the number of resource collectors with a connected association relationship in each object group.

[0068] For example, see Table 3, which is an example of calculating the security parameters of an object group in an associated network.

[0069]

[0070]

[0071] Table 3

[0072] As shown in Table 3, the security parameter 1 for object group 1 is calculated using the security level of resource collector rc1, the security level of resource collector rc2, the security level of resource collector rc3, ..., the security level of resource collector rc30, and the number of resource collectors with a connected association relationship 1. The security parameter 2 for object group 2 is calculated using the security level of resource collector rc31, the security level of resource collector rc32, ..., the security level of resource collector rc(n-1), the security level of resource collector rc(n), and the number of resource collectors with a connected association relationship 2.

[0073] S204: Perform security management on each object group based on the security parameters of each object group.

[0074] In the embodiment of the present application, the server calculates the security parameters of each object group, and then performs security management on each object group based on the security parameters of each object group.

[0075] In the embodiment of the present application, since the multi-dimensional feature data of the resource collector is feature data of multiple dimensions of the resource collector, the feature data is more comprehensive and has higher granularity. Therefore, the security level of the resource collector calculated by the server based on the multi-dimensional feature data of the resource collector is highly accurate; at the same time, the server applies the security level calculated by the multi-dimensional characteristics of the resource collector to the construction of the associated network, so that the security management of the object group in the associated network can be performed based on the associated network, and the management process is simple and the management efficiency is high.

[0076] In one embodiment of the present application, another management method based on resource transfer is provided, and the management method based on resource transfer can be executed by the server 102. Figure 3 As shown, the management method based on resource transfer may include S301 to S302 and S202 to S204.

[0077] As described in the above embodiments, the multi-dimensional feature data includes, but is not limited to, feature data of the resource spender dimension, feature data of the resource fluctuation dimension, feature data of the resource transfer scenario dimension, and feature data of the resource collector dimension. Exemplarily, in the embodiments of the present application, the multi-dimensional feature data includes at least two of the feature data of the resource spender dimension, feature data of the resource fluctuation dimension, feature data of the resource transfer scenario dimension, and feature data of the resource collector dimension.

[0078] S301 to S302 are described in detail as follows:

[0079] S301, for each resource collector, if it is detected that the traversed characteristic data of the specified dimension reaches the dimension threshold of the specified dimension, then the statistical value used to characterize the security situation of the resource collector is increased until the multi-dimensional characteristic data of the resource collector is traversed.

[0080] In the embodiment of the present application, the feature data of the specified dimension refers to the feature data of any / each dimension contained in the multi-dimensional feature data. For example, if the multi-dimensional feature data includes feature data of the resource spender dimension, feature data of the resource fluctuation dimension, feature data of the resource transfer scenario dimension, and feature data of the resource receiver dimension, then the feature data of the specified dimension refers to feature data of the resource spender dimension, or feature data of the resource fluctuation dimension, or feature data of the resource transfer scenario dimension, or feature data of the resource receiver dimension.

[0081] It can be understood that for each resource collector, the multi-dimensional feature data includes feature data of at least two dimensions; therefore, in order to improve calculation accuracy, in an embodiment of the present application, statistics can be performed by traversing the multi-dimensional feature data to obtain statistical values ​​for characterizing the security status of the resource collector.

[0082] For example, taking any resource collector as an example, the multi-dimensional feature data of the resource collector includes feature data of the resource spender dimension, feature data of the resource fluctuation dimension, feature data of the resource transfer scenario dimension, and feature data of the resource collector dimension.

[0083] First, the first traversal is the feature data of the resource spender dimension. It then checks whether the feature data of the resource spender dimension reaches the dimension threshold of the resource spender dimension. If so, a statistical value used to characterize the security situation of the resource recipient is added. If not, no processing is performed, i.e., there is no need to add a statistical value used to characterize the security situation of the resource recipient.

[0084] Secondly, the second traversal is the feature data of the resource fluctuation dimension, then it is checked whether the feature data of the resource fluctuation dimension reaches the dimension threshold of the resource fluctuation dimension. If it reaches it, the statistical value used to characterize the security situation of the resource collector is increased again. If it does not reach it, no processing is done, that is, there is no need to increase the statistical value used to characterize the security situation of the resource collector.

[0085] Again, the third traversal is the feature data of the resource transfer scenario dimension, then it is checked whether the feature data of the resource transfer scenario dimension reaches the dimension threshold of the resource transfer scenario dimension. If it reaches it, the statistical value used to characterize the security situation of the resource recipient is increased again. If it does not reach it, no processing is performed, that is, there is no need to increase the statistical value used to characterize the security situation of the resource recipient.

[0086] Finally, the fourth traversal is the feature data of the resource collector dimension. It then checks whether the feature data of the resource collector dimension reaches the dimension threshold of the resource collector dimension. If so, the statistical value used to characterize the security situation of the resource collector is increased again. If not, no processing is performed, that is, there is no need to increase the statistical value used to characterize the security situation of the resource collector.

[0087] At this point, the statistical value of each resource collector can be obtained.

[0088] It can be understood that each time the statistical value used to characterize the security situation of the resource collector is increased, the same unit amount is increased, for example, the unit amount is 1, 2, and so on.

[0089] Exemplarily, in the embodiments of the present application, when traversing multidimensional feature data, a serial or parallel method (e.g., multiple threads) can be used for traversal, wherein the accuracy of traversal through the serial method is relatively high, and the efficiency of traversal through the parallel method is relatively high. In practical applications, the traversal method of multidimensional feature data can be selected according to the specific application scenario. For example, in an application scenario with high accuracy requirements, a serial method can be selected to traverse the multidimensional feature data, and in an application scenario with high efficiency requirements, a parallel method can be selected to traverse the multidimensional feature data.

[0090] In one embodiment of the present application, the feature data of each dimension includes multiple types of feature data.

[0091] Among them, in the optional embodiment, the multi-type feature data refers to multiple types of feature data. Exemplarily, for the resource spender dimension, the multiple types of feature data include at least two of age, gender, and label; for the resource fluctuation dimension, the multiple types of feature data include at least two of the frequency / number of resource transfers within a certain time period, the total number of resources transferred within a certain time period, and the number of resources corresponding to the largest resource transferred within a certain time period; for the resource transfer scenario dimension, the multiple types of feature data include the resource transfer time and the transfer / payment method used, etc.; for the resource collector dimension, the multiple types of feature data include complaints / reports against the resource collector and credit data for the resource collector, etc.

[0092] Accordingly, if it is detected in S301 that the traversed characteristic data of the specified dimension reaches the dimension threshold of the specified dimension, the process of adding a statistical value for characterizing the security situation of the resource receiver may include:

[0093] For the feature data of each dimension, if it is detected that the traversed feature data of a specified type reaches the type threshold of the specified type, the statistical value used to characterize the security situation of the resource collector is increased until the multi-type feature data of the dimension is traversed.

[0094] In the optional embodiment, the feature data of the specified type refers to any / each type of feature data contained in the multi-type feature data. For example, taking the feature data of the resource expenditure dimension as an example, assuming that the multi-type feature data of the resource expenditure dimension includes age, gender, and label, then the feature data of the specified type refers to age, or gender, or label.

[0095] It can be understood that for the feature data of each dimension, the multi-type feature data includes at least two types of feature data; therefore, in order to improve the calculation accuracy, in the embodiment of the present application, statistics can be performed by traversing multiple types of feature data to obtain statistical values ​​for characterizing the security status of the resource collector.

[0096] For example, taking the feature data of the resource expenditure dimension as an example, it is assumed that the multi-type feature data of the resource expenditure dimension includes age, gender, and label.

[0097] First, the first traversal is age, and it is checked whether the age reaches the age type threshold. If it reaches it, the statistical value used to characterize the security situation of the resource collector is increased. If it does not reach it, no processing is done, that is, there is no need to increase the statistical value used to characterize the security situation of the resource collector.

[0098] Secondly, if the second traversal is gender, it is checked whether the gender reaches the gender type threshold. If it reaches it, the statistical value used to characterize the security situation of the resource collector is increased again. If it does not reach it, no processing is done, that is, there is no need to increase the statistical value used to characterize the security situation of the resource collector.

[0099] Finally, if the third traversal is a label, it is checked whether the label reaches the label type threshold. If it reaches it, the statistical value used to characterize the security situation of the resource collector is increased again. If it does not reach it, no processing is performed, that is, there is no need to increase the statistical value used to characterize the security situation of the resource collector.

[0100] At this point, the statistical value for the resource expenditure dimension can be obtained, and the calculation process of the statistical values ​​of feature data of other dimensions can be deduced in the same way.

[0101] It can be understood that each time the statistical value used to characterize the security situation of the resource collector is increased, the same unit amount is increased, for example, the unit amount is 1, 2, and so on.

[0102] For example, in the embodiments of the present application, when traversing multiple types of feature data, a serial or parallel method (e.g., multiple threads) can be used for traversal, wherein the accuracy of traversal through the serial method is relatively high, and the efficiency of traversal through the parallel method is relatively high. In practical applications, the traversal method of multiple types of feature data can be selected according to the specific application scenario. For example, in an application scenario with high accuracy requirements, a serial method can be selected to traverse multiple types of feature data, and in an application scenario with high efficiency requirements, a parallel method can be selected to traverse multiple types of feature data.

[0103] By implementing the optional embodiment, the feature data of each dimension includes multiple types of feature data with finer granularity, so that the statistical values ​​calculated based on the multiple types of feature data are more accurate, thereby improving the accuracy of the security level calculation of the resource collector.

[0104] S302: Use the statistical value as the security level of the resource receiver.

[0105] In the embodiment of the present application, after the server traverses the multi-dimensional feature data of the resource collector, the obtained statistical value can be used as the security level of the resource collector.

[0106] For example, please refer to Table 4, which is an example of the security level of the resource collector.

[0107]

[0108] Table 4

[0109] As shown in Table 4, taking the security level 10 of the resource collector rc1 as an example, the statistical value for the resource spender dimension is 3 (which can be derived from 1+1+1, for example, in the above example, the age reaches the age type threshold, the gender reaches the gender type threshold, and the label reaches the label type threshold), the statistical value for the resource fluctuation dimension is 3 (which can be derived from 1+1+1, for example, the 3 types of characteristic data included in the characteristic data of the resource fluctuation dimension all reach the corresponding type threshold), the statistical value for the resource transfer scenario dimension is 2 (which can be derived from 1+1, for example, the 2 types of characteristic data included in the characteristic data of the resource transfer scenario dimension all reach the corresponding type threshold), and the statistical value for the resource collector dimension is 2 (which can be derived from 1+1, for example, the 2 types of characteristic data included in the characteristic data of the resource collector dimension all reach the corresponding type threshold). The same can be said for other resource collectors, which will not be repeated here.

[0110] It should be noted that Figure 3 For detailed description of S202 to S204, please refer to Figure 2 S202 to S204 shown are not described in detail here.

[0111] In the embodiment of the present application, the server performs statistics by traversing multi-dimensional feature data, so that the statistical values ​​calculated based on the multi-dimensional feature data are more accurate, thereby improving the accuracy of the security level calculation of the resource collector.

[0112] In one embodiment of the present application, another management method based on resource transfer is provided, and the management method based on resource transfer can be executed by the server 102. Figure 4 As shown, the management method based on resource transfer may include S401 to S403, S201, and S203 to S204.

[0113] S401 to S403 are described in detail as follows:

[0114] S401, taking each resource receiver as a node in the network to be constructed, and taking the security level of each resource receiver as a node feature.

[0115] In the embodiment of the present application, the server can treat each resource collector as a node in the network to be constructed, and use the security level of each resource collector as a node feature; that is, when the resource collector is used as a node, the security level of the resource collector is used as a node feature.

[0116] S402, based on the same resource spenders targeted by the resource collectors, determine the connection edges between the nodes in the network to be constructed, and use the number of the same resource spenders as the connection edge weights.

[0117] In an embodiment of the present application, the server can determine the connection edges between the nodes in the network to be constructed based on the same resource spenders targeted by the resource collectors, and use the number of the same resource spenders as the connection edge weight; that is, as long as any two resource collectors have the same resource spenders, any two resource collectors can be connected to obtain a connection edge, and the number of the same resource spenders is used as the connection edge weight.

[0118] S403, constructing an association network based on the nodes, node features, connection edges, and connection edge weights.

[0119] In the embodiment of the present application, the server obtains nodes, node features, connecting edges, and connecting edge weights, and then can construct an associated network based on the nodes, node features, connecting edges, and connecting edge weights.

[0120] See also Figure 5 , is a schematic diagram of an association network. Figure 5 As shown, the association network contains 8 nodes, namely node 0 to node 7, wherein nodes 0 to node 7 have node characteristics (i.e., security levels), and node 0 has a connected association relationship with node 1, node 3, and node 4, node 1 has a connected association relationship with node 0, node 3, node 5, and node 6, node 2 has a connected association relationship with node 5 and node 6, node 3 has a connected association relationship with node 0, node 1, and node 7, node 4 has a connected association relationship with node 0 and node 6, node 5 has a connected association relationship with node 1, node 2, and node 7, node 6 has a connected association relationship with node 1, node 2, and node 4, and node 7 has a connected association relationship with node 3 and node 5.

[0121] Understandably, Figure 5 This is only a schematic diagram of a simple association network. In actual applications, the constructed association network is usually more complex and needs to be based on the association network constructed in the specific application scenario.

[0122] It should be noted that Figure 4 As shown, S401 and S402 can be executed either first, either later, or in parallel. Figure 4 For detailed description of S201, S203 to S204, please refer to Figure 2 S201, S203 to S204 shown are not described in detail here.

[0123] In the embodiment of the present application, the server uses each resource receiver as a node, and the security level of each resource receiver as a node feature, and establishes connection edges between resource receivers through the same resource spenders, and uses the number of the same resource spenders as the connection edge weight, so as to quickly and accurately construct an associated network, thereby providing strong support for the security management of object groups in the associated network.

[0124] In one embodiment of the present application, another management method based on resource transfer is provided, and the management method based on resource transfer can be executed by the server 102. Figure 6 As shown, the management method based on resource transfer may include S601 to S602, S201, and S203 to S204.

[0125] S601 to S602 are described in detail as follows:

[0126] S601, based on the second number of the same resource spenders between every two resource receivers in the associated network and the total number of resources corresponding to the second number, simplify the association relationship between multiple resource collectors in the associated network to obtain a simplified associated network.

[0127] In the embodiment of the present application, the second number refers to the number of the same resource spenders corresponding to any two resource recipients.

[0128] For example, please refer to Table 5, which is an example of transferring resources from the resource spender to the resource receiver.

[0129]

[0130] Table 5

[0131] As shown in Table 5, resource spenders re1, resource spenders re2, and resource spenders re3 have transferred resources to resource collectors rc1 and resource collectors rc2 respectively, resource collector rc4 has only transferred resources to resource collector rc1, and source collector rc5 has only transferred resources to resource collector rc2. Therefore, there are three identical resource spenders involved between resource collectors rc1 and resource collectors rc2 (namely, resource spenders re1, resource spenders re2, and resource spenders re3).

[0132] In the embodiment of the present application, the total number of resources corresponding to the second quantity refers to the total number of resources transferred by the resource spender of the second quantity.

[0133] For example, following the example in Table 5 above, the second number of resource spenders are resource spender re1, resource spender re2, and resource spender re3, then the total number of resources = 30000 + 20000 + 70000 + 50000 + 40000 + 80000 = 290000.

[0134] In the embodiment of the present application, the server can simplify the association relationship between multiple resource collectors in the associated network based on the second number of the same resource spenders between every two resource collectors in the associated network and the total number of resources corresponding to the second number to obtain a simplified associated network.

[0135] In one embodiment of the present application, in S601, based on the second number of the same resource spenders between every two resource collectors in the associated network and the total number of resources corresponding to the second number, the association relationship between multiple resource collectors in the associated network is simplified to obtain a simplified associated network, which may include:

[0136] For every two resource receivers in the associated network, obtain the third quantities of resource spenders corresponding to each of the two resource receivers, and the number of resources corresponding to each third quantity;

[0137] Summing multiple third quantities to obtain a total quantity, and calculating a second ratio of the second quantity to the total quantity, and summing the number of resources corresponding to the multiple third quantities to obtain a total number of resources, and calculating a third ratio between the number of resources corresponding to the second quantity and the total number of resources;

[0138] Based on the second ratio and the third ratio, the correlation strength between every two resource receivers is calculated;

[0139] Based on the association strength between every two resource collectors in the association network, the association relationships between multiple resource collectors in the association network are simplified to obtain a simplified association network.

[0140] That is, in an optional embodiment, the server can calculate the association strength between every two resource collectors based on the second number of the same resource spenders between every two resource collectors in the associated network, the total number of resources corresponding to the second number, the third number of resource spenders corresponding to every two resource collectors, and the number of resources corresponding to each third number, and based on the association strength between every two resource collectors in the associated network, simplify the association relationship between multiple resource collectors in the associated network to obtain a simplified associated network.

[0141] Among them, the third number in the optional embodiment refers to the number of resource spenders corresponding to each resource collector among any two resource collectors.

[0142] For example, following the example in Table 5 above, among two resource collectors, such as resource collector rc1 and resource collector rc2, resource collector rc1 corresponds to four resource spenders (namely, resource spender re1, resource spender re2, resource spender re3, and resource spender re4), and resource collector rc2 corresponds to four resource spenders (namely, resource spender re1, resource spender re2, resource spender re3, and resource spender re5).

[0143] Among them, the number of resources corresponding to the third quantity in the optional embodiment refers to the number of resources of the total resources transferred by the resource spender of the third quantity.

[0144] For example, following the example in Table 5 above, for resource collector rc1, the third number of resource spenders are resource spenders re1, resource spenders re2, resource spenders re3, and resource spenders re4, then the total number of resources = 30000 + 70000 + 40000 + 10000 = 150000. For resource collector rc2, the third number of resource spenders are resource spenders re1, resource spenders re2, resource spenders re3, and resource spenders re5, then the total number of resources = 20000 + 50000 + 80000 + 60000 = 210000.

[0145] In the optional embodiment, the second ratio refers to the ratio of the second quantity to the total quantity (the sum of multiple third quantities).

[0146] For example, following the example in Table 5 above, the third quantity corresponding to the resource collector rc1 is 4, and the third quantity corresponding to the resource collector rc2 is 4, then the total quantity = 4+4=8, and the second quantity is 3, then the second ratio = 3 / 4.

[0147] Among them, in the optional embodiment, the third ratio refers to the ratio of the number of resources corresponding to the second quantity to the total number of resources (the sum of the number of resources corresponding to multiple third quantities).

[0148] For example, following the example in Table 5 above, the number of resources corresponding to the third quantity of resource collector rc1 is 150,000, and the number of resources corresponding to the third quantity of resource collector rc2 is 210,000. Then the total number of resources = 150,000 + 210,000 = 360,000, and the number of resources corresponding to the second quantity is 290,000. Then the third ratio = 29 / 36.

[0149] Accordingly, in an optional embodiment, the second ratio and the third ratio are calculated, and then the association strength between every two resource receivers can be calculated based on the second ratio and the third ratio.

[0150] Exemplarily, based on the second ratio and the third ratio, the association strength between every two resource recipients can be calculated by obtaining a quantity weight parameter (a weight parameter set related to the number of resource spenders) and a resource weight parameter (a weight parameter set related to the number of resources transferred out by the resource spenders), multiplying the quantity weight parameter by the second ratio to obtain a first product result, and multiplying the resource weight parameter by the third ratio to obtain a second product result, and then summing the first product result and the second product result to obtain the association strength between every two resource recipients.

[0151] For example, taking the example in Table 5 above, let the quantity weight parameter be W n , the resource weight parameter is W r , then the association strength between resource receiver rc1 and resource receiver rc2 = W n *(3 / 4)+W r *(29 / 36).

[0152] At this point, the association strength between resource collector rc1 and resource collector rc2 can be obtained, and the calculation process of the association strength between any other two resource collectors can be deduced in the same way.

[0153] By implementing the optional embodiment, the association strength between every two resource receivers can be simply and accurately calculated, thereby providing strong support for streamlining the association network.

[0154] In one embodiment of the present application, based on the association strength between every two resource collectors in the association network, the association relationship between multiple resource collectors in the association network is simplified to obtain a simplified association network, which may include:

[0155] Mark resource receivers whose association strength is less than a preset association strength threshold from the association network;

[0156] The association relationships between the marked resource collectors are removed to obtain a streamlined association network.

[0157] That is, in an optional embodiment, the server calculates the association strength between every two resource collectors, and then can mark the resource collectors whose association strength is less than a preset association strength threshold from the association network, and remove the association relationship between the marked resource collectors to obtain a streamlined association network; that is, retain strong association relationships (i.e., the association strength is greater than or equal to the preset association strength threshold), remove weak association relationships (i.e., the association strength is less than the preset association strength threshold), thereby simplifying the association network.

[0158] S602: Divide the resource collectors contained in the streamlined associated network to obtain multiple object groups.

[0159] In the embodiment of the present application, the server obtains a streamlined associated network, and then can divide the resource collectors contained in the streamlined associated network to obtain multiple object groups.

[0160] It should be noted that Figure 6 For detailed description of S201, S203 to S204, please refer to Figure 2 S201, S203 to S204 shown are not described in detail here.

[0161] In the embodiment of the present application, the server simplifies the association relationships between multiple resource collectors in the associated network, and divides the resource collectors contained in the simplified associated network to obtain multiple object groups, thereby avoiding the interference of too many complicated association relationships on the object group division, improving the accuracy and efficiency of the object group division, and further simplifying the management process of resource transfer, and improving the management efficiency of resource transfer.

[0162] In one embodiment of the present application, another management method based on resource transfer is provided, and the management method based on resource transfer can be executed by the server 102. Figure 7 As shown, the management method based on resource transfer may include S701 to S702, S201 to S202, and S204.

[0163] S701, for each object group, summing up the security levels of the resource collectors in the object group to obtain a total security level, and counting the resource collectors in a connected association relationship in the object group to obtain a first number.

[0164] In the embodiment of the present application, the first number refers to the number of resource collectors that have a connected association relationship.

[0165] For example, following the example in Table 3, for object group 1, the security level of resource collector rc1, the security level of resource collector rc2, the security level of resource collector rc3, ... the security level of resource collector rc30 are summed up to obtain the total security level of object group 1, and at the same time, the resource collectors in the object group 1 that have a connected relationship are counted to obtain a first quantity 1. For object group 2, the security level of resource collector rc31, the security level of resource collector rc32, ... the security level of resource collector rc(n-1), and the security level of resource collector rc(n) are summed up to obtain the total security level of object group 2, and at the same time, the resource collectors in the object group 2 that have a connected relationship are counted to obtain a first quantity 2.

[0166] In one embodiment of the present application, the process of summing up the security levels of the resource collectors contained in the object group to obtain the total security level in S701 may include:

[0167] The resource collectors included in the object group are divided into a first resource collector group and a second resource collector group; wherein the security level of the resource collectors included in the first resource collector group is less than a preset security level threshold, and the security level of the resource collectors included in the second resource collector group is greater than or equal to the preset security level threshold;

[0168] A first operation result is calculated based on the weight of the first resource collector group and the security level of the resource collectors included in the first resource collector group, and a second operation result is calculated based on the weight of the second resource collector group and the security level of the resource collectors included in the second resource collector group;

[0169] The first operation result and the second operation result are summed to obtain a total security level.

[0170] That is, in an optional embodiment, when the server calculates the sum of the security levels of any object group, it may be that the resource collectors contained in the object group are first divided into a first resource collector group and a second resource collector group according to the security level, wherein the security level of the resource collectors contained in the first resource collector group is less than a preset security level threshold, and the security level of the resource collectors contained in the second resource collector group is greater than or equal to the preset security level threshold; then, the weight of the first resource collector group is multiplied by the sum of the security levels of the resource collectors contained in the first resource collector group to obtain a first calculation result, and the weight of the second resource collector group is multiplied by the sum of the security levels of the resource collectors contained in the second resource collector group to obtain a second calculation result; then, the first calculation result and the second calculation result are summed to obtain the sum of the security levels.

[0171] For example, please refer to Table 6, which is an example of calculating the sum of the security levels of object group 1.

[0172]

[0173] Table 6

[0174] As shown in Table 6, the sum of the security levels of object group 1 can be obtained, and the calculation process of the sum of the security levels of object group 2 can be deduced in the same way.

[0175] By implementing the optional embodiment, weights are added when calculating the sum of security levels of object groups, and targeted and flexible decisions can be made, so that the sum of security levels of object groups obtained is more accurate, thereby improving the accuracy of security parameter calculation for object groups.

[0176] S702: Calculate a first ratio between the total security level and the first number, and use the first ratio as a security parameter of the object group.

[0177] In the embodiment of the present application, the server calculates the sum of the security levels of the object group and the first number, and then calculates a first ratio between the sum of the security levels and the first number, and uses the first ratio as a security parameter of the object group.

[0178] In the embodiment of the present application, the first ratio refers to the ratio between the sum of the security levels of the object group and the first number.

[0179] For example, following the example in Table 3 above, for object group 1, the first ratio of the sum of the security levels of object group 1 to the first number 1 is used as security parameter 1 of object group 1; for object group 2, the first ratio of the sum of the security levels of object group 2 to the first number 2 is used as security parameter 2 of object group 2.

[0180] It should be noted that Figure 7 For detailed description of S201 to S202 and S204, please refer to Figure 2 S201 to S202 and S204 shown are not described in detail here.

[0181] In the embodiment of the present application, the server uses the security level of the resource receivers contained in the object group and the number of resource receivers that have a connected association relationship in the object group (i.e., the first number) to calculate the security parameters of the object group more accurately, and the calculation process is simple and easy to implement.

[0182] In one embodiment of the present application, another management method based on resource transfer is provided, and the management method based on resource transfer can be executed by the server 102. Figure 8 As shown, the management method based on resource transfer may include S801 to S803 and S201 to S203.

[0183] As described in the above-mentioned embodiment, the server obtains the security parameters of each object group, and then can respectively detect the size relationship between the security parameters of each object group and the preset security parameter threshold to obtain the detection result of each object group, and then can perform security management on each object group based on the detection result of each object group.

[0184] The relationship between the security parameter of the detection object group and the preset security parameter threshold is used to obtain the detection result of the object group, including two cases:

[0185] In case 1, the security parameter of the object group is less than a preset security parameter threshold, and a detection result is obtained that characterizes that the security parameter of the object group is less than the preset security parameter threshold.

[0186] In case 2, the security parameter of the object group is greater than or equal to a preset security parameter threshold, and a detection result is obtained that characterizes that the security parameter of the object group is greater than or equal to the preset security parameter threshold.

[0187] S801: If it is detected that there is an object group whose security parameter is less than a preset security parameter threshold, the detected object group is used as a target object group.

[0188] In the embodiment of the present application, the target object group refers to a group of objects whose security parameters are less than a preset security parameter threshold.

[0189] In the embodiment of the present application, for the object group whose security parameter is less than the preset security parameter threshold in situation 1, the server can use it as the target object group.

[0190] S802, obtaining the audit result of the auditing party on the target object group.

[0191] In the embodiment of the present application, the server uses the object group whose security parameters are less than the preset security parameter threshold as the target object group, and then obtains the audit result of the audit party on the target object group.

[0192] In one embodiment of the present application, the process of obtaining the audit result of the audit party for the target object group in S802 may include:

[0193] Sending the attribute data corresponding to the target object group to the auditor, so that the auditor can audit the target object group based on the attribute data and obtain the audit result;

[0194] Receive the audit results sent by the auditor.

[0195] That is, in an optional embodiment, the server may send the attribute data corresponding to the target object group to the auditor; accordingly, the auditor receives the attribute data corresponding to the target object group, and audits the target object group based on the attribute data corresponding to the target object group, obtains the audit result, and then returns the audit result to the server; accordingly, the server receives the audit result sent by the auditor.

[0196] Among them, the attribute data corresponding to the target object group in the optional embodiment may refer to the data obtained by integrating the multi-dimensional feature data of the resource collectors contained in the target object group, or it may be the data obtained by integrating the feature data of a certain specified dimension of the resource collectors contained in the target object group, or it may be the data obtained after screening and deduplication of the multi-dimensional feature data of the resource collectors contained in the target object group.

[0197] S803, performing security management on the target object group based on the audit result.

[0198] In the embodiment of the present application, the server obtains the audit result of the audit party on the target object group, and then can perform security management on the target object group based on the audit result.

[0199] In one embodiment of the present application, the process of performing security management on the target object group based on the audit result in S803 may include:

[0200] If the audit result indicates that there are unregistered resource collectors in the target object group, the unregistered resource collectors are registered;

[0201] If the audit result indicates that there are resource collectors in the target object group whose security level is lower than the preset security level threshold, the resource collectors whose security level is lower than the preset security level threshold are added to the candidate library, and security detection operations are performed on the resource collectors contained in the candidate library.

[0202] That is, there are two situations for the audit results in the optional embodiment, where:

[0203] Case 1: If the audit result indicates that there are unregistered resource collectors in the target object group, the unregistered resource collectors are registered.

[0204] It can be understood that unregistered means that the resource collector has not registered for business processing; for example, the resource collector handles resource transfer business related to studying abroad, but it has not registered in the official system / platform. Therefore, at this time, the resource collector can be registered as handling resource transfer business related to studying abroad.

[0205] Case 2: If the audit result indicates that there are resource collectors in the target object group whose security level is lower than the preset security level threshold, the resource collectors whose security level is lower than the preset security level threshold are added to the candidate library, and security detection operations are performed on the resource collectors contained in the candidate library.

[0206] It is understandable that the candidate library stores resource collectors whose security level is lower than the preset security level threshold. Therefore, if it is detected that there are resource collectors whose security level is lower than the preset security level threshold in the target object group, the resource collectors whose security level is lower than the preset security level threshold will be added to the candidate library; then security detection operations can be performed on the resource collectors contained in the candidate library (for example, security detection operations are performed regularly or irregularly). Among them, security detection operations refer to a series of operations related to security detection. Although it can be known through the above steps that the security level of the resource collector is lower than the preset security level threshold, in order to more accurately determine the security situation of the resource collector, more detection operations can be further performed.

[0207] By implementing the optional embodiments, new resource collectors in the object group (i.e., unregistered resource collectors) or resource collectors with security issues in the object group (i.e., resource collectors whose security levels are lower than a preset security level threshold) can be determined, thereby providing strong support for the security management of the target object group.

[0208] It should be noted that Figure 8 For detailed description of S201 to S202 and S204, please refer to Figure 2 S201 to S202 and S204 shown are not described in detail here.

[0209] In the embodiment of the present application, the server implements security management of the target object group by obtaining the audit results of the target object group. The management process is simple and easy to implement, and is suitable for many application scenarios.

[0210] The following is a detailed description of a specific scenario of an embodiment of the present application:

[0211] See also Fig. 9 , Fig. 9 FIG. 1 is a flow chart of a management method based on resource transfer shown in an embodiment of the present application. Fig. 9 As shown, the resource transfer-based management method at least includes S901 to S911, which are described in detail as follows:

[0212] S901: If a management request for a transnational resource transfer business is received, multiple resource recipients related to the resource transfer are obtained from a transnational resource transfer system.

[0213] In the embodiment of the present application, the transnational resource transfer business may be a resource transfer business for studying abroad. Accordingly, the transnational resource transfer system may be a study abroad payment system / platform, and the multiple resource collectors may be multiple merchants.

[0214] S902, performing statistics on multi-dimensional feature data of multiple resource collectors respectively to obtain multi-dimensional feature data corresponding to the multiple resource collectors respectively.

[0215] In the embodiment of the present application, statistics of multi-dimensional feature data are respectively performed on multiple merchants, so as to obtain multi-dimensional feature data corresponding to the multiple merchants.

[0216] In the embodiments of the present application, the multi-dimensional feature data includes, but is not limited to, feature data of the resource spender dimension (i.e., user dimension), feature data of the resource fluctuation dimension, feature data of the resource transfer scenario dimension, and feature data of the resource recipient dimension (i.e., merchant dimension).

[0217] S903, for each resource collector, if it is detected that the traversed characteristic data of the specified dimension reaches the dimension threshold of the specified dimension, the statistical value used to characterize the security status of the resource collector is increased until the multi-dimensional characteristic data of the resource collector is traversed, and the statistical value is used as the security level of the resource collector.

[0218] In one embodiment of the present application, the feature data of each dimension includes multiple types of feature data. Exemplarily, for the resource spender dimension, multiple types of feature data include at least two of age, gender, and label; for the resource fluctuation dimension, multiple types of feature data include at least two of the frequency / number of resource transfers within a certain time period, the total number of resources transferred within a certain time period, and the number of resources corresponding to the largest resource transferred within a certain time period; for the resource transfer scenario dimension, multiple types of feature data include resource transfer time and the transfer / payment method used, etc.; for the resource collector dimension, multiple types of feature data include complaints / reports against the resource collector and credit data for the resource collector, etc.

[0219] Correspondingly, if it is detected that the feature data of the traversed specified dimension reaches the dimension threshold of the specified dimension, the statistical value used to characterize the security situation of the resource collector is added, including: for the feature data of each dimension, if it is detected that the feature data of the traversed specified type reaches the type threshold of the specified type, the statistical value used to characterize the security situation of the resource collector is added until the multi-type feature data of the dimension is traversed.

[0220] For example:

[0221] 1.1, for the multi-type feature data of the resource expenditure dimension, assume that the multi-type feature data of the resource expenditure dimension includes age, gender, and label; among them:

[0222] Abnormalities in terms of age: It is understandable that payment for studying abroad has the characteristics of a specific age group, and usually the group targeted at payment for studying abroad is young people. Therefore, the ages of the resource spenders (hereinafter referred to as users) involved in resource transfers of the merchant in the past period of time (for example, the past year) can be detected. If the proportion of younger users (for example, the age range [0-16]) or older users (for example, the age range (50-100]) is detected to be higher than the preset threshold, then there may be an abnormality at this time, and the statistical value used to characterize the merchant's safety situation can be increased.

[0223] Gender-specific anomalies: It is understandable that the payment of overseas study fees has the characteristics of gender ratio. Usually, the group of people who pay overseas study fees is mostly male, and a small number is female, such as male: female = 3:2. Therefore, the gender of users involved in resource transfer in the merchant in the past period of time (for example, the past year) can be detected. If the proportion of males is higher than the preset threshold, or the proportion of females is lower than the preset threshold, then there may be anomalies at this time, and the statistical value used to characterize the security situation of the merchant can be increased.

[0224] Regarding label anomalies: It is understandable that some users may be users with low security, and the merchants with whom they have resource transfers may also have low security. Therefore, the labels corresponding to users involved in resource transfers of merchants in the past period of time (for example, the past year) can be detected. If the proportion of labels representing low security is higher than the preset threshold, there may be anomalies at this time, and the statistical value used to represent the security of the merchant can be increased.

[0225] 1.2, with respect to the multi-type feature data of the resource fluctuation dimension, it is assumed that the multi-type feature data of the resource fluctuation dimension includes the resource transfer fluctuation of the merchant dimension and the resource transfer fluctuation of the user dimension.

[0226] For abnormalities caused by sudden increase in transactions: the increase in the merchant's transaction volume over the past period of time (for example, the past month) can be detected. If the increase in transaction volume is detected to be greater than the preset threshold, there may be an abnormality at this time, and the statistical value used to characterize the merchant's security situation can be increased.

[0227] For anomalies in high-frequency transactions: the transaction volume of each user of the merchant in the past period of time (for example, the past month) can be detected. If a user with a transaction volume greater than a preset threshold is detected, there may be an anomaly at this time, and a statistical value can be added to characterize the merchant's security status.

[0228] For anomalies with large cumulative amounts: the total transaction amount of each user in the merchant over a period of time (e.g., the past month / day) can be tested. If a user whose total transaction amount is greater than a preset threshold is detected, there may be an anomaly at this time, and a statistical value can be added to characterize the merchant's security status.

[0229] For single large transaction anomalies: the single transaction amount of each user in the merchant over the past period of time (for example, the past month) can be detected. If a user is detected whose single transaction amount is greater than the preset threshold, there may be an anomaly at this time, and the statistical value used to characterize the merchant's security situation can be increased.

[0230] 1.3. For the characteristic data of the resource transfer scenario dimension, the characteristic data of the resource transfer scenario dimension includes the resource transfer time and the transfer / payment method used.

[0231] Regarding the abnormality of resource transfer time: It is understandable that the payment of overseas study has the characteristics of payment time, and the payment time can usually be in the morning, afternoon and evening, etc. Therefore, the payment time corresponding to the users involved in resource transfer in the merchant in the past period of time (for example, the past year) can be detected. If it is detected that the proportion of payment time in the early morning is higher than the preset threshold, there may be an abnormality at this time, and the statistical value used to characterize the safety situation of the merchant can be increased.

[0232] Regarding the abnormality of transfer / payment method: It is understandable that students usually pay for studying abroad on the official website of the school, and pull up the payment tool when paying. The most common one is native QR code payment. Therefore, the payment transfer / payment method corresponding to the user involved in the resource transfer of the merchant in the past period of time (for example, the past year) can be detected. If the payment transfer / payment method is detected to be some unconventional method (such as offline card swiping), there may be an abnormality at this time, and the statistical value used to characterize the merchant's security situation can be increased.

[0233] 1.4. With respect to the characteristic data of the resource collector dimension, it is assumed that the characteristic data of the resource collector dimension includes complaints / reports against the resource collector.

[0234] Abnormal complaints / reports against resource collectors: It is understandable that complaints / reports are the most intuitive feedback to merchants. Therefore, the number of complaints / reports involving resource transfers in the past period of time (for example, the past year) can be detected. If the number of complaints / reports detected is greater than the preset threshold, there may be an abnormality at this time, and the statistical value used to characterize the merchant's security situation can be increased.

[0235] At this point, through the statistics in 1.1 to 1.4 above, the statistical value corresponding to the merchant used to characterize the merchant's security situation can be obtained, and accordingly, the merchant's security level can be obtained, wherein the larger the statistical value, the lower the merchant's security level.

[0236] S904: taking each resource receiver as a node in the network to be constructed, and taking the security level of each resource receiver as a node feature.

[0237] In the embodiment of the present application, the security level of each resource receiver is calculated, and then each resource receiver can be used as a node in the network to be constructed, and the security level of each resource receiver is used as a node feature.

[0238] S905 , based on the same resource spenders targeted by the resource collectors, determine the connection edges between the nodes in the network to be constructed, and use the number of the same resource spenders as the connection edge weights.

[0239] In an embodiment of the present application, the same resource spenders targeted by the resource collectors can be obtained, and then based on the same resource spenders targeted by the resource collectors, the connection edges between the nodes in the network to be constructed can be determined, and the number of the same resource spenders can be used as the connection edge weight.

[0240] S906: construct an association network based on the nodes, node features, connection edges, and connection edge weights.

[0241] S907, based on the second number of the same resource spenders between every two resource receivers in the associated network and the total number of resources corresponding to the second number, simplify the association relationship between multiple resource collectors in the associated network to obtain a simplified associated network.

[0242] In one embodiment of the present application, based on the second number of the same resource spenders between every two resource collectors in the associated network, and the total number of resources corresponding to the second number, the association relationship between multiple resource collectors in the associated network is simplified to obtain a simplified associated network, which may include: for every two resource collectors in the associated network, obtaining the third number of resource spenders corresponding to every two resource collectors, and the number of resources corresponding to each third number; summing up the multiple third numbers to obtain the total number, and calculating a second ratio of the second number to the total number, and summing up the number of resources corresponding to the multiple third numbers to obtain the total number of resources, and calculating a third ratio between the number of resources corresponding to the second number and the total number of resources; calculating the association strength between every two resource collectors based on the second ratio and the third ratio; based on the association strength between every two resource collectors in the associated network, simplifying the association relationship between multiple resource collectors in the associated network to obtain a simplified associated network.

[0243] Exemplarily, the following formula may be used to calculate the association strength between every two resource receivers:

[0244]

[0245] Among them, Q represents the strength of association, W n represents the quantity weight parameter, W r represents the resource weight parameter, C cnt represents the number of common transaction users of merchant A and merchant B (i.e., the second number in the aforementioned embodiment), A cnt represents the number of transaction users of merchant A (i.e., the third number in the above embodiment), B cnt represents the number of transaction users of merchant B (i.e., the third number in the above embodiment), C amt represents the total amount of the common transaction users of merchant A and merchant B (i.e., the total number of resources corresponding to the second amount in the above embodiment), A amt represents the total amount corresponding to all transaction users of merchant A (i.e., the number of resources corresponding to the third quantity in the above embodiment), B amt It represents the total amount corresponding to all transaction users of merchant B (i.e. the number of resources corresponding to the third quantity in the aforementioned embodiment), and 2 is a specified value, which can be discarded or replaced with other values.

[0246] S908, dividing the resource collectors contained in the streamlined associated network to obtain multiple object groups.

[0247] In the embodiment of the present application, a streamlined associated network is obtained, and then the resource collectors contained in the streamlined associated network can be divided to obtain multiple object groups.

[0248] In one embodiment of the present application, a modularity algorithm may be used to divide resource receivers contained in an associated network, thereby obtaining multiple object groups.

[0249] For example, see Fig.10 , is a schematic diagram of multiple object groups obtained by using the modularity algorithm. Fig.10 As shown in the figure, the processed association network is obtained through Modularity Optimization, and then the processed network is subjected to Community Aggregation to obtain the association network after the community is divided, and then the community aggregation is iterated to obtain the final association network after the community is divided. It can be understood that Fig.11 As shown in the figure, two iterations are performed. In practical applications, the number of iterations can be flexibly adjusted according to specific scenarios.

[0250] S909, for each object group, the security levels of the resource collectors contained in the object group are summed up to obtain the total security level, and the resource collectors that have a connected association relationship in the object group are counted to obtain a first number, and a first ratio between the total security level and the first number is calculated, and the first ratio is used as a security parameter of the object group.

[0251] For example, the security parameter of the object group can be calculated using the following formula:

[0252]

[0253] Among them, R represents the security parameter of the object group, W c1 Indicates that the weight can be set to 0.7, W c2 Indicates that the weight can be set to 0.3, t_risk cnt Indicates the number of merchants in the target group whose security level is lower than the preset security level threshold, t_unrisk cnt Indicates the number of merchants in the object group whose security level is greater than or equal to the preset security level threshold. cnt Indicates the number of connected merchants in the object group.

[0254] S910: If it is detected that there is an object group whose security parameter is less than a preset security parameter threshold, the detected object group is used as a target object group.

[0255] In the embodiment of the present application, the security parameters of each object group are obtained, and then the size relationship between the security parameters of each object group and the preset security parameter threshold can be detected respectively to obtain the detection result of each object group; wherein, the size relationship between the security parameters of the object group and the preset security parameter threshold is detected to obtain the detection result of the object group, including two cases: Case 1, the security parameter of the object group is less than the preset security parameter threshold, and the detection result that characterizes that the security parameter of the object group is less than the preset security parameter threshold is obtained; Case 2, the security parameter of the object group is greater than or equal to the preset security parameter threshold, and the detection result that characterizes that the security parameter of the object group is greater than or equal to the preset security parameter threshold is obtained.

[0256] S911, obtaining the audit result of the auditing party on the target object group, and performing security management on the target object group based on the audit result.

[0257] In one embodiment of the present application, security management of the target object group based on the audit result may include: if the audit result indicates that there are unregistered resource collectors in the target object group, registering the unregistered resource collectors; if the audit result indicates that there are resource collectors in the target object group whose security level is lower than a preset security level threshold, adding the resource collectors whose security level is lower than the preset security level threshold to a candidate library, and performing security detection operations on the resource collectors contained in the candidate library.

[0258] It should be noted that Fig. 9 For the detailed description of S901 to S911 shown, please refer to the above-mentioned embodiment description, which will not be repeated here.

[0259] For easier understanding, see Fig.11 , is a schematic diagram of a management method based on resource transfer. Fig.11 As shown, the security level of the merchant is calculated by using the multi-dimensional feature data of the merchant, and then an association network can be constructed based on the security levels of multiple merchants and the association relationships between multiple merchants. Then, the security parameters of each object group divided in the association network can be calculated, and then security management of each object group can be performed based on the security parameters of each object group, such as mining / discovering new merchants or further security testing of merchants with lower security levels.

[0260] By implementing this application solution, at least the following beneficial effects are achieved:

[0261] (1) It utilizes the multi-dimensional characteristic data of merchants, which has wide coverage, high granularity, and strong targeting, making the calculated merchant security level more accurate.

[0262] (2) The merchant-based security level is applied to the construction of the associated network, and the security parameters of the object group in the associated network are calculated based on the merchant's security level. As a result, the obtained security parameters of the object group are more accurate. The security management of the object group in the associated network is realized based on the security parameters of the object group, and the management process is simple and the management efficiency is high.

[0263] (3) Security management of object groups in the associated network includes but is not limited to mining / discovering new merchants and further security testing of merchants with lower security levels. The security management is comprehensive and complete, and is applicable to many application scenarios for resource transfer.

[0264] Fig.12 FIG. 1 is a block diagram of a management device based on resource transfer according to an embodiment of the present application. Fig.12 As shown, the management device based on resource transfer includes:

[0265] The first calculation module 1201 is configured to calculate the security level of each resource collector based on the multi-dimensional feature data of each resource collector;

[0266] The construction and division module 1202 is configured to construct an association network based on the security level of each resource collector and the association relationship between multiple resource collectors, and divide the resource collectors contained in the association network to obtain multiple object groups;

[0267] The second calculation module 1203 is configured to calculate the security parameter of each object group based on the security level of the resource collector in each object group and the number of resource collectors having a connected association relationship in each object group;

[0268] The management module 1204 is configured to perform security management on each object group based on the security parameters of each object group.

[0269] In one embodiment of the present application, the multi-dimensional feature data includes at least two of the feature data of the resource spender dimension, the feature data of the resource fluctuation dimension, the feature data of the resource transfer scenario dimension, and the feature data of the resource receiver dimension; the first calculation module 1201 is specifically configured as follows:

[0270] For each resource collector, if it is detected that the traversed characteristic data of the specified dimension reaches the dimension threshold of the specified dimension, the statistical value used to characterize the security situation of the resource collector is increased until the multi-dimensional characteristic data of the resource collector is traversed;

[0271] The statistical value is used as the security level of the resource receiver.

[0272] In one embodiment of the present application, the feature data of each dimension includes multiple types of feature data; the first calculation module 1201 is further specifically configured as follows:

[0273] For the feature data of each dimension, if it is detected that the traversed feature data of a specified type reaches the type threshold of the specified type, the statistical value used to characterize the security situation of the resource collector is increased until the multi-type feature data of the dimension is traversed.

[0274] In one embodiment of the present application, the second calculation module 1203 is specifically configured as follows:

[0275] For each object group, summing up the security levels of the resource collectors in the object group to obtain a total security level, and counting the resource collectors in a connected association relationship in the object group to obtain a first number;

[0276] A first ratio between the total security level and the first number is calculated, and the first ratio is used as a security parameter of the object group.

[0277] In one embodiment of the present application, the second calculation module 1203 is further specifically configured as follows:

[0278] The resource collectors included in the object group are divided into a first resource collector group and a second resource collector group; wherein the security level of the resource collectors included in the first resource collector group is less than a preset security level threshold, and the security level of the resource collectors included in the second resource collector group is greater than or equal to the preset security level threshold;

[0279] Calculating a first operation result based on the weight of the first resource collector group and the security level of the resource collectors included in the first resource collector group, and calculating a second operation result based on the weight of the second resource collector group and the security level of the resource collectors included in the second resource collector group;

[0280] The first operation result and the second operation result are summed to obtain a total security level.

[0281] In one embodiment of the present application, the management module 1204 is specifically configured as follows:

[0282] If it is detected that there is an object group whose security parameter is less than the preset security parameter threshold, the detected object group is used as the target object group;

[0283] Obtaining the audit results of the auditing party on the target object group;

[0284] The target object group is security managed based on the audit result.

[0285] In one embodiment of the present application, the management module 1204 is further specifically configured as follows:

[0286] If the audit result indicates that there are unregistered resource collectors in the target object group, registering the unregistered resource collectors;

[0287] If the audit result indicates that there are resource collectors in the target object group whose security level is lower than the preset security level threshold, the resource collectors whose security level is lower than the preset security level threshold are added to the candidate library, and security detection operations are performed on the resource collectors contained in the candidate library.

[0288] In one embodiment of the present application, the construction and division module 1202 is specifically configured as follows:

[0289] Taking each resource receiver as a node in the network to be constructed, and taking the security level of each resource receiver as a node feature;

[0290] Based on the same resource spenders targeted by the resource collectors, determining the connection edges between the nodes in the network to be constructed, and using the number of the same resource spenders as the connection edge weights;

[0291] Based on the nodes, the node features, the connecting edges, and the connecting edge weights, an association network is constructed.

[0292] In one embodiment of the present application, the construction and division module 1202 is specifically configured as follows:

[0293] Based on the second number of the same resource spenders between every two resource receivers in the associated network and the total number of resources corresponding to the second number, simplifying the association relationships between multiple resource collectors in the associated network to obtain a simplified associated network;

[0294] The resource collectors contained in the streamlined associated network are divided to obtain a plurality of object groups.

[0295] In one embodiment of the present application, the construction and division module 1202 is further specifically configured as follows:

[0296] For every two resource receivers in the associated network, obtain the third quantity of resource spenders corresponding to each of the two resource receivers, and the number of resources corresponding to each third quantity;

[0297] Summing a plurality of third quantities to obtain a total quantity, and calculating a second ratio of the second quantity to the total quantity, and summing the number of resources corresponding to the plurality of third quantities to obtain a total number of resources, and calculating a third ratio between the number of resources corresponding to the second quantity and the total number of resources;

[0298] Based on the second ratio and the third ratio, calculating the association strength between each two resource receivers;

[0299] Based on the association strength between every two resource collectors in the association network, the association relationships between multiple resource collectors in the association network are simplified to obtain a simplified association network.

[0300] In one embodiment of the present application, the construction and division module 1202 is further specifically configured as follows:

[0301] Marking resource receivers whose association strength is less than a preset association strength threshold from the association network;

[0302] The association relationships between the marked resource collectors are removed to obtain a streamlined association network.

[0303] In one embodiment of the present application, the resource transfer-based management device further includes:

[0304] An acquisition module, configured to acquire multiple resource recipients related to the resource transfer from the resource transfer transnational system if a management request for the resource transfer transnational business is received;

[0305] The statistical module is configured to perform statistics on the multi-dimensional feature data of the multiple resource collectors respectively, and obtain the multi-dimensional feature data corresponding to the multiple resource collectors respectively.

[0306] It should be noted that the apparatus provided in the aforementioned embodiment and the method provided in the aforementioned embodiment belong to the same concept, wherein the specific manner in which each module and unit performs the operation has been described in detail in the method embodiment.

[0307] An embodiment of the present application also provides an electronic device, comprising: one or more processors; and a memory for storing one or more programs, wherein when the one or more programs are executed by the one or more processors, the electronic device implements the resource transfer-based management method as described above.

[0308] Fig.13 It is a schematic diagram of the structure of a computer system suitable for implementing an electronic device of an embodiment of the present application.

[0309] It should be noted that Fig.13 The computer system 1300 of the electronic device shown is only an example and should not bring any limitation to the functions and scope of use of the embodiments of the present application.

[0310] like Fig.13 As shown, the computer system 1300 includes a central processing unit (CPU) 1301, which can perform various appropriate actions and processes according to the program stored in the read-only memory (ROM) 1302 or the program loaded from the storage part 1308 to the random access memory (RAM) 1303, such as executing the method in the above embodiment. In RAM 1303, various programs and data required for system operation are also stored. CPU 1301, ROM 1302 and RAM 1303 are connected to each other through bus 1304. Input / output (I / O) interface 1305 is also connected to bus 1304.

[0311] The following components are connected to the I / O interface 1305: an input section 1306 including a keyboard, a mouse, etc.; an output section 1307 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage section 1308 including a hard disk, etc.; and a communication section 1309 including a network interface card such as a LAN (Local Area Network) card, a modem, etc. The communication section 1309 performs communication processing via a network such as the Internet. A drive 1310 is also connected to the I / O interface 1305 as needed. A removable medium 1311, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 1310 as needed so that a computer program read therefrom is installed into the storage section 1308 as needed.

[0312] In particular, according to an embodiment of the present application, the process described above with reference to the flowchart can be implemented as a computer software program. For example, an embodiment of the present application includes a computer program product, which includes a computer program carried on a computer-readable medium, and the computer program includes a computer program for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from a network through a communication section 1309, and / or installed from a removable medium 1311. When the computer program is executed by a central processing unit (CPU) 1301, various functions defined in the system of the present application are executed.

[0313] It should be noted that the computer-readable medium shown in the embodiment of the present application may be a computer-readable signal medium or a computer-readable storage medium or any combination of the above two. Computer-readable media may be, for example, a system, device or device of electricity, magnetism, light, electromagnetic, infrared, or semiconductor, or any combination of the above. More specific examples of computer-readable media may include, but are not limited to: 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), a 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 the present application, a computer-readable medium may be any tangible medium containing or storing a program, which may be used by an instruction execution system, device or device or used in combination with it. In the present application, a computer-readable signal medium may include a data signal propagated in a baseband or as part of a carrier wave, wherein a computer-readable computer program is carried. This propagated data signal may take a variety of forms, including but not limited to an electromagnetic signal, an optical signal, or any suitable combination of the above. A computer-readable signal medium 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. A computer program contained on a computer-readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wired, etc., or any suitable combination of the above.

[0314] The flowchart and block diagram in the accompanying drawings illustrate the possible architecture, functions and operations of the system, method and computer program product according to various embodiments of the present application. Wherein, each box in the flowchart or block diagram can represent a module, a program segment, or a part of the code, and the above-mentioned module, program segment, or a part of the code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in a different order than the order marked in the accompanying drawings. For example, two boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram or flowchart, and the combination of boxes in the block diagram or flowchart can be implemented with a dedicated hardware-based system that performs a specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0315] The units involved in the embodiments described in this application may be implemented by software or hardware, and the units described may also be set in a processor. The names of these units do not, in some cases, constitute limitations on the units themselves.

[0316] Another aspect of the present application also provides a computer readable medium having a computer program stored thereon, which implements the resource transfer-based management method as described above when the computer program is executed by a processor. The computer readable medium may be included in the electronic device described in the above embodiment, or may exist independently without being assembled into the electronic device.

[0317] Another aspect of the present application also provides a computer program product or a computer program, which includes a computer instruction stored in a computer-readable medium. A processor of a computer device reads the computer instruction from the computer-readable medium, and the processor executes the computer instruction, so that the computer device executes the resource transfer-based management method provided in each of the above embodiments.

[0318] The above content is only a preferred exemplary embodiment of the present application and is not intended to limit the implementation scheme of the present application. A person skilled in the art can easily make corresponding changes or modifications based on the main concept and spirit of the present application. Therefore, the scope of protection of the present application shall be based on the scope of protection required by the claims.

Claims

1. A management method based on resource transfer, characterized in that: include: Based on the multi-dimensional feature data of each resource collector, the security level of each resource collector is calculated; Based on the security level of each resource collector and the association relationship between multiple resource collectors, an association network is constructed, and the resource collectors contained in the association network are divided to obtain multiple object groups; Based on the security level of the resource receivers in each object group and the number of resource receivers in a connected association relationship in each object group, a security parameter of each object group is calculated; Security management is performed on each object group based on the security parameters of each object group.

2. The method according to claim 1, characterized in that The multi-dimensional feature data includes at least two of the feature data of the resource spender dimension, the feature data of the resource fluctuation dimension, the feature data of the resource transfer scenario dimension, and the feature data of the resource receiver dimension; The security level of each resource collector is calculated based on the multi-dimensional feature data of each resource collector, including: For each resource collector, if it is detected that the traversed characteristic data of the specified dimension reaches the dimension threshold of the specified dimension, the statistical value used to characterize the security situation of the resource collector is increased until the multi-dimensional characteristic data of the resource collector is traversed; The statistical value is used as the security level of the resource receiver.

3. The method according to claim 2, characterized in that The feature data of each dimension includes multiple types of feature data; If it is detected that the characteristic data of the traversed specified dimension reaches the dimension threshold of the specified dimension, a statistical value used to characterize the security situation of the resource receiver is added, including: For the feature data of each dimension, if it is detected that the traversed feature data of a specified type reaches the type threshold of the specified type, the statistical value used to characterize the security situation of the resource collector is increased until the multi-type feature data of the dimension is traversed.

4. The method according to claim 1, characterized in that The security parameter of each object group is calculated based on the security level of the resource receiver in each object group and the number of resource receivers having a connected association relationship in each object group, including: For each object group, summing up the security levels of the resource collectors in the object group to obtain a total security level, and counting the resource collectors in a connected association relationship in the object group to obtain a first number; A first ratio between the total security level and the first number is calculated, and the first ratio is used as a security parameter of the object group.

5. The method according to claim 4, characterized in that The summing up of the security levels of the resource receivers in the object group to obtain the total security level includes: The resource collectors included in the object group are divided into a first resource collector group and a second resource collector group; wherein the security level of the resource collectors included in the first resource collector group is less than a preset security level threshold, and the security level of the resource collectors included in the second resource collector group is greater than or equal to the preset security level threshold; Calculating a first operation result based on the weight of the first resource collector group and the security level of the resource collectors included in the first resource collector group, and calculating a second operation result based on the weight of the second resource collector group and the security level of the resource collectors included in the second resource collector group; The first operation result and the second operation result are summed to obtain a total security level.

6. The method according to claim 1, characterized in that The performing security management on each object group based on the security parameter of each object group includes: If it is detected that there is an object group whose security parameter is less than the preset security parameter threshold, the detected object group is used as the target object group; Obtaining the audit results of the auditing party on the target object group; The target object group is security managed based on the audit result.

7. The method according to claim 6, characterized in that The performing security management on the target object group based on the audit result includes: If the audit result indicates that there are unregistered resource collectors in the target object group, registering the unregistered resource collectors; If the audit result indicates that there are resource collectors in the target object group whose security level is lower than the preset security level threshold, the resource collectors whose security level is lower than the preset security level threshold are added to the candidate library, and security detection operations are performed on the resource collectors contained in the candidate library.

8. The method according to claim 1, characterized in that The construction of an association network based on the security level of each resource collector and the association relationship between multiple resource collectors includes: Taking each resource receiver as a node in the network to be constructed, and taking the security level of each resource receiver as a node feature; Based on the same resource spenders targeted by the resource collectors, determining the connection edges between the nodes in the network to be constructed, and using the number of the same resource spenders as the connection edge weights; Based on the nodes, the node features, the connecting edges, and the connecting edge weights, an association network is constructed.

9. The method according to any one of claims 1 to 8, characterized in that The resource collectors contained in the associated network are divided to obtain a plurality of object groups, including: Based on the second number of the same resource spenders between every two resource receivers in the associated network and the total number of resources corresponding to the second number, simplifying the association relationships between multiple resource collectors in the associated network to obtain a simplified associated network; The resource collectors contained in the streamlined associated network are divided to obtain a plurality of object groups.

10. The method according to claim 9, characterized in that The method of simplifying the association relationships between multiple resource collectors in the association network based on the second number of the same resource spenders between every two resource collectors in the association network and the total number of resources corresponding to the second number to obtain a simplified association network includes: For every two resource receivers in the associated network, obtain the third quantity of resource spenders corresponding to each of the two resource receivers, and the number of resources corresponding to each third quantity; Summing multiple third quantities to obtain a total quantity, and calculating a second ratio of the second quantity to the total quantity, and summing the number of resources corresponding to the multiple third quantities to obtain a total number of resources, and calculating a third ratio between the number of resources corresponding to the second quantity and the total number of resources; Based on the second ratio and the third ratio, calculating the association strength between each two resource receivers; Based on the association strength between every two resource collectors in the association network, the association relationships between multiple resource collectors in the association network are simplified to obtain a simplified association network.

11. The method according to claim 10, characterized in that The step of simplifying the association relationships between multiple resource collectors in the association network based on the association strength between every two resource collectors in the association network to obtain a simplified association network includes: Marking resource receivers whose association strength is less than a preset association strength threshold from the association network; The association relationships between the marked resource collectors are removed to obtain a streamlined association network.

12. The method according to any one of claims 1 to 8, characterized in that Before calculating the security level of each resource collector based on the multi-dimensional feature data of each resource collector, the method further includes: If a management request for a transnational resource transfer business is received, multiple resource recipients related to the resource transfer are obtained from the transnational resource transfer system; The multi-dimensional feature data are respectively counted for the multiple resource collectors to obtain the multi-dimensional feature data corresponding to the multiple resource collectors.

13. A management device based on resource transfer, characterized in that: include: A first calculation module is configured to calculate the security level of each resource collector based on the multi-dimensional feature data of each resource collector; A construction and division module, configured to construct an association network based on the security level of each resource collector and the association relationship between multiple resource collectors, and divide the resource collectors contained in the association network to obtain multiple object groups; A second calculation module is configured to calculate the security parameter of each object group based on the security level of the resource collector in each object group and the number of resource collectors having a connected association relationship in each object group; The management module is configured to perform security management on each object group based on the security parameters of each object group.

14. An electronic device, characterized in that: include: one or more processors; A memory for storing one or more programs, which, when executed by the electronic device, enables the electronic device to implement the resource transfer-based management method as described in any one of claims 1 to 12.

15. A computer readable medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the resource transfer-based management method according to any one of claims 1 to 12 is implemented.

16. A computer program product comprising computer instructions, characterized in that When the computer instructions are executed by a processor, the resource transfer-based management method according to any one of claims 1 to 12 is implemented.

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