The invention relates to a transaction security control method and a system based on subject portrait

Abstract

The invention particularly discloses a transaction safety control method and a system based on a subject portrait. The method comprises the following steps: determining subject portrait data accordingto historical transaction data; Reading the subject portrait data corresponding to the real-time transaction data when the transaction occurs; Make the real-time transaction data and the main body portrait data carry on the difference comparison, in order to obtain the difference comparison result; Making the difference comparison result match the anti-fraud model similarly to get the similar matching result; Determining a transaction risk level according to the similarity matching result and the obtained real-time transaction data, so as to send out corresponding control instructions; The system includes data mart construction module, main body portrait generation module, in-memory database, matching result calculation module and transaction risk decision module. The invention can efficiently and accurately identify high-risk transactions, and can carry out real-time discrimination and control when high-risk transactions occur, so as to achieve the purpose of reducing or even avoiding fraudulent transactions in real-time, and protect the transaction safety of users.

Description

technical field [0001] The present invention relates to the technical field of transaction security, more specifically, the present invention is a transaction security control method and system based on subject portraits. Background technique [0002] At present, with the diversified development of business transaction methods and transaction channels, emerging electronic banks have begun to be widely used, such as online banking, telephone banking, mobile banking, self-service banking, POS terminals, mobile payments, etc. These emerging transactions The method greatly facilitates users; since these transaction processes do not involve bank tellers, it is impossible to effectively control the possible fraudulent means of both parties to the transaction. The traditional method is often post-event supervision, such as T+1 monitoring means, etc. However, The traditional method can only be solved after the fraud occurs. Even if the user's loss can be recovered, it often takes a ...

AI Technical Summary

Problems solved by technology

[0004] In order to solve the problem that the existing technology can only be remedied or recovered after the fraudulent transactions occur, the present invention innovatively provides a transaction security control method and system based on subject portraits. Through the construction of subject portraits and anti-fraud models, The invention can realize the security control of the transaction when the transaction occurs, reduce or even avoid the occurrence of high-risk transactions, protect the transaction security of users, and fundamentally reduce or even prevent the occurrence of fraudulent transactions, thereby better solving the problems existing in the existing post-event supervision method many problems

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