Method and device for risk control

Abstract

The application discloses a method and a device for risk control. First, reference accounts satisfying preset conditions and non-reference accounts not satisfying the preset conditions are determinedfrom all accounts; then, the variable values of the reference accounts and the non-reference accounts in a preset feature dimension are determined; and next, the risk control parameters of each non-reference account are determined through a plurality of clusters obtained by clustering the variable values of the reference accounts according to the distance between the variable value of the non-reference account and the center of each cluster, in order to carry out risk control. The method of the application reduces the probability of missing judgment while reducing misjudgment. By using the clusters obtained by clustering, the features corresponding to each reference account can be reflected accurately. Therefore, the risk to each non-reference account can be controlled according to the distance between each non-reference account and the center of each cluster. Moreover, the preset feature dimension can cover a large amount of behavior. Resources are fully utilized. The efficiency of risk control is improved. The cost of risk control is reduced.

Description

technical field [0001] The present application relates to the field of information technology, in particular to a risk control method and device. Background technique [0002] With the development of information technology, more and more businesses are executed through the network, and risk control is a common method to ensure the safety of executing businesses. [0003] In general, the terminal frequently used by the user will not change in a short period of time, and the user needs to perform business through the account logged in on the terminal, so the historical data of the account can be used to determine the device information logged in the account in history, and Establish the "account-device" correspondence of the account. Risk control is carried out according to changes in the corresponding relationship between the "account-device", and when the corresponding relationship between the "account-device" changes, the risk of the account may be greater, and methods suc...

AI Technical Summary

Problems solved by technology

[0013] The embodiment of the present application provides a method of risk control, which is used to solve the problem of high cost and high efficiency of risk control based on the judgment result of equipment transfer due to the low accuracy, high operating cost and inflexibility of the existing method for determining equipment transfer. Low, and there is a problem of waste of resources

[0014] The embodiment of the present application provides a risk control device, which is used to solve the problem of high cost and high efficiency of risk control based on the equipment transfer judgment result due to the low accuracy, high operating cost and inflexibility of the existing methods for determining equipment transfer. Low, and there is a problem of waste of resources

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