A kind of risk control system and method towards O2O sceneTechnical field
The present invention relates to O2O technical fields, and in particular to a kind of risk control system and method towards O2O scene.
Background technique
With the high speed development of internet and the communication technology, internet finance have become current social it is most popular ifTopic.Internet finance has penetrated into the every aspect of people's food, clothing, housing and transportation at present, raises, consumes comprising payment, financing, crowdEtc. functions all kinds of internet financial products and platform emerge one after another.And with the sharply expansion of internet financial business and financeInnovative product continues to bring out, and internet finance exposes a large amount of risk from many aspects.Principal risk includes：Credit promise breakingWith risk of fraud, consumers' rights and interests by infringement risk, Internet technology risk, Capital Flow risk, legal risk and policy withSupervision risk etc..A kind of effective O2O scene risk control method is also lacked at present.
Summary of the invention
In view of the deficiencies of the prior art, the present invention is intended to provide a kind of risk control system and method towards O2O scene,In the transaction data of unordered user behavior and magnanimity, abnormal behaviour is analyzed, is capable of providing and measure is effectively protected in real time,Sound assurance is provided to the business development of the O2O under Internet scene.
To achieve the goals above, the present invention adopts the following technical scheme that：
A kind of risk control system towards O2O scene, including：
Regulation engine：The regulation engine is used to judge transaction of the user on O2O platform according to default rule is equipped withWhether operation belongs to risky operation, if it is sends a warning message to Risk Management Platform；
Risk Management Platform：The Risk Management Platform will be for that will store wind corresponding to each risk subscribers or risk equipmentDangerous control strategy, when on O2O platform carry out transactional operation user or equipment belong to risk subscribers or risk equipment, then existThe operation system of O2O platform obtains the transaction that corresponding risk control strategy carries out the user or equipment from Risk Management PlatformOperation is managed；And be used for when receiving warning information, real-time update corresponds to the risk control strategy of user or equipment, willIt is added in risk policy list and pushes to strategy names single centre；
Strategy names single centre：The strategy names single centre is for storing risk policy list, in the risk policy listRisk subscribers or risk equipment (such as doubtful fraudulent user or equipment) including carrying out risk trade operation.
The risk control method towards O2O scene is carried out using the above-mentioned risk control system towards O2O scene, includingFollowing steps：
S1, when user needs to carry out transactional operation on O2O platform, operation system is by uniform service interface from strategyThe user is inquired in name single centre or whether equipment hits risk policy list (i.e. whether the user is risk subscribers or equipmentWhether be risk equipment), if it is, obtain corresponding risk control strategy from Risk Management Platform, operation system according toThe risk control strategy of acquisition manages the transactional operation of the user；
The pipelined data of the transactional operation of user is sent in regulation engine by S2, operation system, and regulation engine is according to pre-If rule judge whether the transactional operation of user is risky operation, is if it is sent a warning message to Risk Management Platform,Risk Management Platform notice operation system further manages the transactional operation of the user.
Further, in step S2, when regulation engine judges that the transactional operation of user is grasped for danger according to default ruleAfter work, Risk Management Platform generates risk policy list and pushes to strategy names single centre and update the risk control plan of the userSlightly.
Further, in step S2, when regulation engine judges the transactional operation of user for danger according to default ruleAfter operation, if the rule of the transactional operation of user meets the rule in regulation engine about high-risk operation, risk management is flatThe risk control strategy of the user of platform real-time update, and risk policy list is added in the user and/or equipment and is pushed toStrategy names single centre, operation system are further operated according to the risk control strategy limitation user updated；Otherwise, windWhether the user is generated alarm flowing water and sent to artificial center by danger management platform, true by manually verifying the user or equipmentIt is set to risk subscribers, is then added in risk policy list if it is doubtful fraudulent user or equipment, the later period determines then is solved without fraudExcept user or equipment blacklist.
The beneficial effects of the present invention are：By the invention it is possible in the transaction data of unordered user behavior and magnanimityIn, abnormal behaviour is analyzed, is capable of providing and measure is effectively protected in real time, the business development of the O2O under Internet scene is mentionedSound assurance is supplied.
Detailed description of the invention
Fig. 1 is the composition and implementation diagram of system in the embodiment of the present invention.
Specific embodiment
Below with reference to attached drawing, the invention will be further described, it should be noted that the present embodiment is with this technology sidePremised on case, the detailed implementation method and specific operation process are given, but protection scope of the present invention is not limited to this realityApply example.
The present embodiment provides a kind of risk control systems towards O2O scene, including：
Regulation engine：The regulation engine is used to judge transaction of the user on O2O platform according to default rule is equipped withWhether operation belongs to risky operation, if it is sends a warning message to Risk Management Platform；
Risk Management Platform：The Risk Management Platform will be for that will store wind corresponding to each risk subscribers or risk equipmentDangerous control strategy, when on O2O platform carry out transactional operation user or equipment belong to risk subscribers or risk equipment, then existThe operation system of O2O platform obtains the transaction that corresponding risk control strategy carries out the user or equipment from Risk Management PlatformOperation is managed；And be used for when receiving warning information, real-time update corresponds to the risk control strategy of user or equipment, willIt is added in risk policy list and pushes to strategy names single centre；
Strategy names single centre：The strategy names single centre is for storing risk policy list, in the risk policy listRisk subscribers or risk equipment (such as doubtful fraudulent user or equipment) including carrying out risk trade operation.
The present embodiment provides a kind of risk control methods towards O2O scene, include the following steps：
S1, when user needs to carry out transactional operation on O2O platform, operation system is by uniform service interface from strategyThe user is inquired in name single centre or whether equipment hits risk policy list (i.e. whether the user is risk subscribers or equipmentWhether be risk equipment), if it is, obtain corresponding risk control strategy from Risk Management Platform, operation system according toThe risk control strategy of acquisition manages the transactional operation of the user；
The pipelined data of the transactional operation of user is sent in regulation engine by S2, operation system, and regulation engine is according to pre-If rule judge whether the transactional operation of user is risky operation, is if it is sent a warning message to Risk Management Platform,Risk Management Platform notice operation system further manages the transactional operation of the user.
Specifically, in step S2, when regulation engine judges the transactional operation of user for risky operation according to default ruleAfterwards, Risk Management Platform generates risk policy list and pushes to strategy names single centre and update the risk control plan of the userSlightly.
Further, if the rule of the transactional operation of user meets the rule in regulation engine about high-risk operation,The risk control strategy of the user of Risk Management Platform real-time update, and risk policy name is added in the user and/or equipmentList simultaneously pushes to strategy names single centre, and operation system is further grasped according to the risk control strategy limitation user updatedMake；Otherwise, which is generated alarm flowing water and sent to artificial center by Risk Management Platform, by manually verify the user orWhether equipment is determined as risk subscribers, is then added in risk policy list if it is doubtful fraudulent user or equipment, and the later period determinesUser or equipment blacklist are then released without fraud.
For those skilled in the art, it can be made various corresponding according to above technical solution and designChange and modification, and all these change and modification should be construed as being included within the scope of protection of the claims of the present invention.