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Merchant risk monitoring method and device, computer equipment and storage medium

A risk monitoring and computer program technology, applied in the fields of computer equipment and storage media, merchant risk monitoring methods, and devices, can solve the problems of time-consuming and low accuracy, and achieve the effect of timely monitoring and monitoring results

Pending Publication Date: 2021-09-03
南京星云数字技术有限公司
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

This method relies too much on manual data collection and subjective judgments, which takes a lot of time and is not accurate

Method used

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  • Merchant risk monitoring method and device, computer equipment and storage medium
  • Merchant risk monitoring method and device, computer equipment and storage medium
  • Merchant risk monitoring method and device, computer equipment and storage medium

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Embodiment Construction

[0047] In order to make the purpose, technical solution and advantages of the present application clearer, the present application will be further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described here are only used to explain the present application, and are not intended to limit the present application.

[0048] The merchant risk monitoring method provided by this application can be applied to such as figure 1 shown in the application environment. Among them, the server 101 can communicate with the terminal 102 through the network. For example, after the server 101 calculates the comprehensive risk value corresponding to the target merchant, it can send the comprehensive risk value to the terminal 102 for display by the terminal 102. At this time, the review of the platform Personnel can understand the risk situation of the target merchant through the comprehensive risk va...

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Abstract

The invention relates to a merchant risk monitoring method and device, computer equipment and a storage medium. The method comprises the steps of calculating a risk assessment value before entering according to a similarity value between a to-be-entering merchant and each risk merchant, and obtaining platform record data formed by platform operation of each target merchant in a buffer period after entering; performing feature extraction on the platform record data of each target merchant to obtain a post-settlement feature vector corresponding to each target merchant; performing anomaly detection processing on a feature matrix formed by the post-settlement feature vectors corresponding to the plurality of target merchants by using an anomaly detection model to obtain post-settlement risk assessment values corresponding to the target merchants; and calculating a comprehensive risk value corresponding to each target merchant according to the pre-settlement risk evaluation value and the post-settlement risk evaluation value corresponding to each target merchant. By adopting the method, the merchant risk can be monitored in time, and an accurate monitoring result can be obtained.

Description

technical field [0001] The present application relates to the technical field of computer data processing, in particular to a merchant risk monitoring method, device, computer equipment and storage medium. Background technique [0002] With the rapid development of the e-commerce field, more and more transactions are conducted through the online Internet. At this time, it is particularly important to review the qualifications of merchants who apply to enter the platform (also called an e-commerce platform), because it is closely related to the normal operation and risk control of the platform. [0003] For a long time, risk control at the merchant level, whether in the banking, technology or financial industries, has relied heavily on manual investigation and manual review and analysis. This method relies too much on manual data collection and subjective judgments, which takes a lot of time and is not accurate. Contents of the invention [0004] Based on this, it is nece...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q10/06G06Q30/00
CPCG06Q10/0635G06Q30/018
Inventor 阮鹤樵乐正宜靳新磊郑清正
Owner 南京星云数字技术有限公司
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