CN114612108A - Public payment safety protection system based on artificial intelligence - Google Patents

The invention relates to a public payment safety protection system based on artificial intelligence, in particular to the technical field of payment safety, which comprises an acquisition module, a payment module and a payment module, wherein the acquisition module is used for acquiring transaction information and transaction environment information of a first interaction main body and credit information of a second interaction main body in real time; the storage module is used for storing the transaction record of the first interaction subject and is connected with the acquisition module; the analysis module is used for analyzing the transaction safety of the first interaction main body and the second interaction main body, is connected with the acquisition module, and is also used for judging the safety of the transaction environment of the first interaction main body according to the transaction position of the first interaction main body; the judging module is used for judging the transaction safety according to the safety analysis result and is connected with the analysis module; and the warning module is used for carrying out corresponding transaction early warning according to the transaction safety judgment result and is connected with the judgment module. The invention effectively improves the transaction security of the public payment.

Public payment safety protection system based on artificial intelligence

Technical Field

The invention relates to the technical field of payment safety, in particular to a public payment safety protection system based on artificial intelligence.

Background

The payment to public refers to transferring money to a public account of the opposite company, the time of the bank accepting the payment to public is a normal working day, and the payment to public is received and paid, so that the transaction is more standard. The online payment provides a quick and convenient electronic commerce application environment and an online fund settlement tool for enterprises and individuals, and meanwhile, the mode has potential payment safety hazards.

Chinese patent publication No.: CN105574724A discloses a secure payment protection method, which includes: the security application client monitors that a user accesses a website to enter an online payment environment through a browser, obtains characteristic information of the website accessed by the browser, and sends the characteristic information to a security server; the security application client receives the query result sent by the security server; and if the security application client finds that the characteristic information is located in a blacklist in an information authentication library or is not located in a white list in the information authentication library, the security application client judges that the payment environment is not secure. According to the scheme, the payment safety is only protected from the payment network environment, and although the network payment process is safer, the safety problem that the account is stolen still exists.

Disclosure of Invention

Therefore, the invention provides a public payment safety protection system based on artificial intelligence, which is used for solving the problem of low transaction safety caused by the fact that accurate safety analysis cannot be carried out according to the state of a transaction account in the prior art.

In order to achieve the above object, the present invention provides a public payment safety protection system based on artificial intelligence, comprising,

the acquisition module is used for acquiring transaction information and transaction environment information of the first interactive main body and credit information of the second interactive main body in real time;

the storage module is used for storing the transaction record of the first interaction subject and is connected with the acquisition module;

the analysis module is used for analyzing the transaction safety of the first interaction main body and the second interaction main body, is connected with the acquisition module, and is also used for determining the safety transaction area of the first interaction main body and judging the safety of the transaction environment of the first interaction main body according to the transaction position of the first interaction main body;

the system comprises a judging module, an analyzing module, a first interaction body and a second interaction body, wherein the judging module is used for carrying out transaction security judgment according to a security analysis result and is connected with the analyzing module, the judging module is also used for limiting the input times of a transaction password according to the transaction time T of the first interaction body, the judging module is also used for adjusting the input times Ai of the transaction password according to a transaction amount P so as to reduce the input times of the transaction password, and the judging module is also used for carrying out preliminary judgment on the transaction security according to the historical transaction times K of the first interaction body and the second interaction body and carrying out security judgment on the second interaction body according to the credit state of the second interaction body;

and the alarm module is used for carrying out corresponding transaction early warning according to a transaction security judgment result, is connected with the judgment module, and is also used for carrying out transaction security alarm according to the transaction password input times when the transaction environment is normal, and is also used for carrying out alarm of different degrees on the first interaction body according to the credit state of the second interaction body when the transaction environment is abnormal.

Further, when the analysis module analyzes the transaction security, the analysis module acquires the position information of the historical transaction of the first interaction subject, and draws a circular area by taking the registration address of the first interaction subject as the center of a circle and the distance between the transaction position farthest from the registration address in the historical transaction and the registration address as the radius, and takes the circular area as the secure transaction area, the analysis module acquires the transaction position of the first interaction subject during the transaction in real time and judges the payment security of the first interaction subject according to the transaction position, wherein,

when the transaction position is within the safe transaction area, the analysis module judges that the transaction environment of the first interaction main body is normal;

when the transaction position is outside the safe transaction area, the analysis module judges that the transaction environment is abnormal, and the first interaction subject has the risk of being stolen.

Further, when the analysis module determines that the transaction environment of the first interactive body is normal, the analysis module compares the transaction time T of the first interactive body with each preset transaction time, and the determination module limits the input times of the transaction password according to the comparison result, wherein,

when T1 is not less than T2, the judging module limits the input times of the transaction password to A1;

when T < T1 or T > T2, the determination module limits the number of inputs of the transaction password to A2;

wherein, T1 is a first preset transaction time, T2 is a second preset transaction time, T1 is less than T2, A1 is a first preset password input frequency, A2 is a second preset password input frequency, and A1 is more than A2.

Further, when the input times Ai of the transaction password is limited, the judging module sets i =1, 2, obtains the maximum amount P0 in the historical transaction, compares the amount P of the transaction with the maximum amount P0, and adjusts the input times Ai of the transaction password according to the comparison result, wherein,

when P is not more than P0, the judging module judges that the transaction amount is normal and does not adjust;

when P is not more than P0, the judging module judges that the transaction amount is abnormal, adjusts the input times of the transaction password to be Ai ', sets Ai ' = Aixa 0, wherein a0 is a preset time adjusting coefficient, a0 is more than 0.8 and less than 1, and Ai ' is rounded downwards, and when Ai ' is not more than Amin, Ai ' = Amin is taken, and Amin is a preset minimum transaction password input time.

Further, the alarm module carries out transaction safety alarm according to the transaction amount state and the transaction password input times when the transaction environment is normal, wherein,

when the input times of the transaction password are within a preset value, the alarm module does not give an alarm;

when the input times of the transaction password are larger than the preset value, if the transaction amount is normal, the alarm module prompts that the transaction has low risk and forbids the first interaction subject to transact again within time ta 1; if the transaction amount is abnormal, the alarm module prompts that the transaction has risks, the first interaction subject is prohibited from transacting again within ta2 time, and meanwhile the input times of the transaction password of the next transaction are adjusted to Amin, wherein ta1 is first preset transaction prohibition time, ta2 is second preset transaction prohibition time, and ta1 is less than ta 2.

Further, the analysis module acquires historical transaction information of the first interaction subject and the second interaction subject when judging that the transaction environment of the first interaction subject is abnormal, the judgment module performs preliminary judgment on the transaction security according to the historical transaction times K of the first interaction subject and the second interaction subject, wherein,

when K is larger than or equal to 1, the judging module judges that the second interaction subject is safe and does not limit the transaction process;

and when K is less than 1, the judging module judges that the second interaction subject has risks and carries out security judgment on the second interaction subject according to the credit state of the second interaction subject.

Further, when the determination module performs security determination on the second interaction subject, the analysis module obtains the credit status of the second interaction subject, and the determination module performs security determination on the second interaction subject according to the credit status of the second interaction subject, wherein,

when the credit state of the second interactive body is normal, the judgment module judges the safety of the second interactive body and limits the input times of the transaction password to Amin;

when the credit state of the second interaction subject is abnormal, the judging module judges that the second interaction subject has transaction risk.

Further, when the analysis module analyzes the credit status of the second interaction subject, the analysis module retrieves and acquires the operation risk behavior of the second interaction subject, the analysis module compares the operation risk quantity C of the second interaction subject with the preset risk behavior quantity C0, and determines the credit status of the second interaction subject according to the comparison result, wherein,

when C is less than or equal to C0, the analysis module judges that the credit state of the second interaction subject is normal;

when C > C0, the analysis module determines that the credit status of the second interaction partner is abnormal.

Further, the alarm module carries out alarm of different degrees to the first interaction subject according to the credit status of the second interaction subject when the transaction environment is abnormal, wherein,

when the credit state of the second interaction main body is normal, if the transaction password input times are within a preset value, no alarm is given, if the transaction password input times are larger than the preset value, the alarm module prompts that high risk exists in the transaction, the second interaction main body is blackened, and the transaction with the second interaction main body is forbidden permanently;

when the credit state of the second interactive body is abnormal, the alarm module prompts that high risk exists in the transaction, the second interactive body is blackened, and the transaction with the second interactive body is forbidden permanently.

Further, after the second interaction subject is blackened, the alarm module determines whether the first interaction subject and the second interaction subject have offline transactions through transaction information acquired in real time, cancels the blackened state of the second transaction subject if the offline transactions exist, and continues the blackened state of the second transaction subject if the offline transactions do not exist.

Compared with the prior art, the method has the advantages that when the analysis module analyzes the transaction safety, the analysis module firstly determines a safety transaction area according to the position information and the registration address of the historical transaction, the position range of the historical transaction is in the area, and then determines whether the transaction environment of the first interaction main body is safe or not by judging whether the current transaction is in the safety transaction area, so that the transaction safety is improved.

Particularly, when the input times Ai of the transaction password are limited, the judgment module also adjusts the input times Ai according to the transaction amount of the current transaction, and reduces the input times of the transaction password through adjustment, so that the transaction safety is further improved.

Particularly, when the transaction environment is normal, the alarm module alarms in different degrees according to the input times of the transaction password, carries out safety prompt through alarming and carries out transaction limitation, so that the transaction safety is improved, if the input times of the transaction password are within a preset value, the transaction password is normally input, no alarm is carried out, if the input times of the transaction password are greater than the preset value, different alarms are carried out according to the transaction amount, the transaction safety is improved through alarming, if the transaction amount is normal, the re-transaction time is limited, if the transaction amount is abnormal, the password input times are limited while the transaction time is limited, and the safety during re-transaction is ensured.

Particularly, when the transaction environment of the first interaction subject is judged to be abnormal, the judgment module carries out security judgment according to the historical transaction times K of the first interaction subject and the second interaction subject, if the historical transaction times K of the first interaction subject and the historical transaction times K of the second interaction subject are smaller than 1, the first interaction subject and the second interaction subject are in first transaction, at the moment, the second interaction subject is judged to have risks, the second interaction subject needs to be further judged to determine the security of the second interaction subject, and therefore the transaction security is further improved.

Particularly, the determination module further improves the transaction security by performing security determination on the second interaction subject according to the credit status of the second interaction subject and limiting the transaction process by the determination, if the credit status of the second interaction subject is normal, the transaction security is improved by limiting the number of password inputs, if the credit status of the second interaction subject is abnormal, the second interaction subject is determined to have a transaction risk, the analysis module performs credit status determination according to the operation risk quantity C of the second interaction subject when determining the credit status of the second interaction subject, determines that the credit status is normal if the operation risk quantity C of the second interaction subject is within a preset value, otherwise, determines that the credit status is abnormal, and the analysis module effectively improves the accuracy of the security determination on the second interaction subject by performing accurate credit status determination, thereby further improving the transaction security of the first interaction subject and the second interaction subject.

Particularly, when the transaction environment is abnormal, the alarm module alarms according to the credit state of the second interaction main body to improve the security of the transaction, alarms according to the password input times if the credit state of the second interaction main body is normal, alarms when the transaction password input times is greater than a preset value, blackens the second interaction main body, directly blackens the second interaction main body if the credit state of the second interaction main body is abnormal, reduces the risk of stealing an account by blacking the second interaction main body to improve the security of the transaction, and determines whether to remove the blacking or not by collecting the offline transaction state in real time, so that the misjudgment on the second interaction main body can be avoided, and the security of the transaction between the first interaction main body and the second interaction main body is further improved.

Drawings

Fig. 1 is a schematic structural diagram of a public payment security protection system based on artificial intelligence in this embodiment.

Detailed Description

In order that the objects and advantages of the invention will be more clearly understood, the invention is further described below with reference to examples; it should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.

Preferred embodiments of the present invention are described below with reference to the accompanying drawings. It should be understood by those skilled in the art that these embodiments are only for explaining the technical principle of the present invention, and do not limit the scope of the present invention.

Furthermore, it should be noted that, in the description of the present invention, unless otherwise explicitly specified or limited, the terms "mounted," "connected," and "connected" are to be construed broadly, and may be, for example, fixedly connected, detachably connected, or integrally connected; can be mechanically or electrically connected; they may be connected directly or indirectly through intervening media, or they may be interconnected between two elements. The specific meanings of the above terms in the present invention can be understood by those skilled in the art according to specific situations.

Please refer to fig. 1, which is a schematic structural diagram of a public payment security protection system based on artificial intelligence in the present embodiment, the system includes,

the system comprises a collection module, a payment module and a processing module, wherein the collection module is used for collecting transaction information, transaction environment information and credit information of a first interaction main body and a second interaction main body in real time, the first interaction main body is a payment main body, the second interaction main body is a collection main body, the transaction information comprises information such as transaction amount, transaction time and transaction times, the transaction environment information comprises transaction position information, and the credit information comprises operation risk information such as abnormal operation, administrative punishment, serious law violation and the like;

the storage module is used for storing the transaction record of the first interaction subject and is connected with the acquisition module;

the analysis module is used for analyzing the transaction safety of the first interaction main body and the second interaction main body and is connected with the acquisition module;

the judging module is used for judging the transaction safety according to the safety analysis result and is connected with the analysis module;

and the warning module is used for carrying out corresponding transaction early warning according to the transaction safety judgment result and is connected with the judgment module.

Specifically, the system in this embodiment is applied to a mobile terminal, performs security protection on an online transaction process to prevent an account from being stolen, and improves security of a public transaction by performing security analysis and determination on a transaction environment of a first interaction subject and terminating a transaction with a security risk in time.

Specifically, when analyzing transaction security, the analysis module analyzes payment security of the first interaction subject, the analysis module obtains position information of historical transaction of the first interaction subject, and draws a circular area by taking a registration address of the first interaction subject as a circle center and taking a distance between a transaction position farthest from the registration address and the registration address in the historical transaction as a radius, and takes the circular area as a secure transaction area, the analysis module obtains the transaction position of the first interaction subject during transaction in real time and judges the payment security of the first interaction subject according to the transaction position, wherein,

when the transaction position is within the safe transaction area, the analysis module judges that the transaction environment of the first interaction main body is normal;

when the transaction position is outside the safe transaction area, the analysis module judges that the transaction environment is abnormal, and the first interaction subject has the risk of being stolen.

Specifically, in the embodiment, when the analysis module analyzes transaction security, a secure transaction area is determined according to the position information and the registration address of the historical transaction, the secure transaction area is within a position range of the historical transaction, and then whether the current transaction is within the secure transaction area is determined to determine whether the transaction environment of the first interaction subject is secure, so that the transaction security is improved. It can be understood that, in the embodiment, when the secure transaction area is set, the circular area is drawn by taking the registration address as the center of the circle as the secure transaction area, and a person skilled in the art may also draw other shapes of graphics as the secure transaction area, but it should be noted that, when the secure transaction area is drawn, the registration address is a common address of the first interaction subject, and the drawing needs to be performed by taking the registration address as the center, so as to ensure the accuracy of setting the secure transaction area, and thus improve the transaction security of the first interaction subject and the second interaction subject.

Specifically, when the analysis module determines that the transaction environment of the first interaction subject is normal, the analysis module compares the transaction time T of the first interaction subject with each preset transaction time, the determination module limits the input times of the transaction password according to the comparison result, wherein,

when T1 is not less than T2, the judging module limits the input times of the transaction password to A1;

when T < T1 or T > T2, the determination module limits the number of inputs of the transaction password to A2;

wherein, T1 is a first preset transaction time, T2 is a second preset transaction time, T1 is less than T2, A1 is a first preset password input frequency, A2 is a second preset password input frequency, and A1 is more than A2.

Specifically, in this embodiment, when the analysis module determines that the transaction environment is normal, the determination module limits the number of times of inputting the transaction password according to the transaction time T, and since the time for the bank to accept and pay the payment in a day is limited, a fixed time period may be set as the transaction time period, the determination module compares the real-time transaction time T with each preset time, if the transaction time is within the preset time range, the transaction time normally limits the number of times of inputting the transaction password to a larger value, such as 4 to 5 times, and if the transaction time is outside the preset time range, the transaction time is abnormal, and limits the number of times of inputting the transaction password to a smaller value, such as 1 to 3 times, and the number of times of inputting the transaction password is limited to ensure the security of the transaction, thereby reducing the risk of stealing the account.

Specifically, when the input frequency Ai of the transaction password is limited, the judging module sets i =1, 2, obtains the maximum amount P0 in the historical transaction, compares the amount P of the transaction with the maximum amount P0, and adjusts the input frequency Ai of the transaction password according to the comparison result, wherein,

when P is not more than P0, the judging module judges that the transaction amount is normal and does not adjust;

when P is not more than P0, the judging module judges that the transaction amount is abnormal, adjusts the input times of the transaction password to be Ai ', sets Ai ' = Aixa 0, wherein a0 is a preset time adjusting coefficient, a0 is more than 0.8 and less than 1, and Ai ' is rounded downwards, and when Ai ' is not more than Amin, Ai ' = Amin is taken, and Amin is a preset minimum transaction password input time.

Specifically, in this embodiment, when the determination module limits the input times Ai of the transaction password, the input times Ai is further adjusted according to the transaction amount of the current transaction, and the input times Ai of the transaction password is reduced by adjustment, so as to further improve the transaction security.

Specifically, the alarm module carries out transaction safety alarm according to the transaction amount state and the transaction password input times when the transaction environment is normal, wherein,

when the input times of the transaction password are within a preset value, the alarm module does not give an alarm;

when the input times of the transaction password are larger than the preset value, if the transaction amount is normal, the alarm module prompts that the transaction has low risk and forbids the first interaction subject to transact again within a time ta 1; if the transaction amount is abnormal, the alarm module prompts that the transaction has risks, the first interaction subject is prohibited from transacting again within ta2 time, and meanwhile the input times of the transaction password of the next transaction are adjusted to Amin, wherein ta1 is first preset transaction prohibition time, ta2 is second preset transaction prohibition time, and ta1 is less than ta 2.

Specifically, in this embodiment, the alarm module performs different alarms according to the transaction password input times when the transaction environment is normal, performs security prompt by the alarm, and performs transaction restriction, so as to improve the transaction security, if the transaction password input times are within a preset value, the transaction password input is normal, and no alarm is performed, if the transaction password input times are greater than the preset value, different alarms are performed according to the transaction amount, so as to improve the transaction security by the alarm, if the transaction amount is normal, the re-transaction time is limited, and if the transaction amount is abnormal, the password input times are limited while the transaction time is limited, so as to ensure the security during re-transaction.

Specifically, the analysis module acquires historical transaction information of the first interaction subject and the second interaction subject when judging that the transaction environment of the first interaction subject is abnormal, the judgment module performs preliminary judgment on the transaction security according to the historical transaction times K of the first interaction subject and the second interaction subject, wherein,

when K is larger than or equal to 1, the judging module judges that the second interaction subject is safe and does not limit the transaction process;

and when K is less than 1, the judging module judges that the second interaction subject has risks and carries out security judgment on the second interaction subject according to the credit state of the second interaction subject.

Specifically, in this embodiment, when it is determined that the transaction environment of the first interaction subject is abnormal, the determination module performs security determination according to the historical transaction frequency K of the first interaction subject and the second interaction subject, if K is less than 1, the first interaction subject and the second interaction subject perform a first transaction, at this time, it is determined that the second interaction subject is at risk, and the second interaction subject needs to be further determined to determine the security of the second interaction subject, so as to further improve the transaction security.

Specifically, when the determination module performs a security determination on the second interaction subject, the analysis module obtains a credit status of the second interaction subject, and the determination module performs a security determination on the second interaction subject according to the credit status of the second interaction subject, wherein,

when the credit state of the second interactive body is normal, the judgment module judges the safety of the second interactive body and limits the input times of the transaction password to Amin;

when the credit state of the second interaction subject is abnormal, the judging module judges that the second interaction subject has transaction risk.

Specifically, when the analysis module analyzes the credit status of the second interaction subject, the analysis module retrieves and acquires the operation risk behaviors of the second interaction subject, the analysis module compares the operation risk quantity C of the second interaction subject with the preset risk behavior quantity C0, and determines the credit status of the second interaction subject according to the comparison result, wherein,

when C is less than or equal to C0, the analysis module judges that the credit state of the second interaction subject is normal;

when C > C0, the analysis module determines that the credit status of the second interaction partner is abnormal.

Specifically, in this embodiment, the determining module performs security determination on the second interaction subject according to the credit status of the second interaction subject, and limits the transaction process by determining, so as to further improve the transaction security, if the credit status of the second interaction subject is normal, the transaction security is improved by limiting the number of password inputs, if the credit status of the second interaction subject is abnormal, it is determined that the second interaction subject has a transaction risk, the analyzing module performs credit status determination according to the operation risk amount C of the second interaction subject when determining the credit status of the second interaction subject, determines that the credit status is normal if the operation risk amount C of the second interaction subject is within a preset value, otherwise, it is determined that the credit status is abnormal, and the analyzing module performs accurate credit status determination, so as to effectively improve the accuracy of security determination on the second interaction subject, thereby further improving the transaction security of the first interaction subject and the second interaction subject.

Specifically, the alarm module performs different degrees of alarm to the first interaction subject according to the credit status of the second interaction subject when the transaction environment is abnormal, wherein,

when the credit state of the second interaction main body is normal, if the transaction password input times are within a preset value, no alarm is given, if the transaction password input times are larger than the preset value, the alarm module prompts that high risk exists in the transaction, the second interaction main body is blackened, and the transaction with the second interaction main body is forbidden permanently;

when the credit state of the second interactive body is abnormal, the alarm module prompts that high risk exists in the transaction, the second interactive body is blackened, and the transaction with the second interactive body is forbidden permanently.

Specifically, after the second interaction subject is blackened, the alarm module determines whether the first interaction subject and the second interaction subject have offline transactions through transaction information acquired in real time, cancels the blackened state of the second transaction subject if the offline transactions exist, and continues the blackened state of the second transaction subject if the offline transactions do not exist.

Specifically, in this embodiment, when the transaction environment is abnormal, the alarm module alarms according to the credit state of the second interaction subject to improve the security of the transaction, if the credit state of the second interaction subject is normal, alarms according to the password input frequency, alarms when the transaction password input frequency is greater than a preset value, blackens the second interaction subject, if the credit state of the second interaction subject is abnormal, the second interaction subject is directly blackened, the second interaction subject is blackened to improve the security of the transaction and reduce the risk of stealing the account, and the offline transaction state is collected in real time to determine whether to remove the blacking, so that misjudgment on the second interaction subject can be avoided, and the security of the transaction between the first interaction subject and the second interaction subject is further improved.

So far, the technical solutions of the present invention have been described in connection with the preferred embodiments shown in the drawings, but it is easily understood by those skilled in the art that the scope of the present invention is obviously not limited to these specific embodiments. Equivalent changes or substitutions of related technical features can be made by those skilled in the art without departing from the principle of the invention, and the technical scheme after the changes or substitutions can fall into the protection scope of the invention.