What is Alipay risk control?

Alipay's wind control system is actually Alipay's wind control system, which is used to record the user's login location, operating habits, browsing content, and even information such as keystroke intensity and keystroke frequency. If there is any operation that does not conform to the above rules, you will be asked to verify your identity.

Moreover, if it is found that the user may have the risk of being cheated, the risk control system will reveal the risk to the user through SMS, page pop-up, etc., and issue a warning. If you want to cancel the risk control, you'd better contact Alipay customer service to explain the situation and apply for cancellation.

There is also a risk control brain called CTU in Alipay's product system. This risk judgment tool, which has been trained for 8 years (has been learning and working harder than us), will score the risk of trading according to the strategy, with a range of 0- 1. When the transaction risk is greater than 0.93, the transaction will be directly rejected. When the risk is high, Alipay will ask for a second inspection to determine whether it is the account itself.

Landing equipment is not the owner's daily equipment relationship, which is an important dimension for CTU to judge the risk; If this account has never had any financial transactions with you or your friends, CTU will be more vigilant. In addition, if this account has a bad record or has some overlap with the blacklisted account, CTU will intercept it to a great extent. Because it will decide that this is probably not the account itself.

The user's habit of operating mobile phones is also an important dimension of CTU's risk determination. Everyone's behavior will have their own habits, just like walking posture and writing. Everyone touches the screen of the mobile phone in different ways. There are many sensors on the mobile phone, so it can help to judge whether it is my operation by finger pressure, contact area, gravity change and continuous interval. Alipay revealed that through the application of this technology, the success rate of determining risks has increased by five times.

Account number, equipment, location, behavior, relationship, preference, each category will contain many detailed strategies. The total number of such strategies is about 1 10,000, and CTU makes risk judgment by calculating these complex strategies.

Alipay uses basic risk control rules.

One, six rules

1. Rule 1: Don't brush three transactions in a row (including failed transactions) within 30 minutes. The time interval between the two transactions is more than 5 minutes, and the transaction amount is different. Do not approach the limit;

2. Rule 2: Abnormal business hours, (2 1:00- 9:00 the next day), try not to have large transactions;

3. Rule 3: Don't submit orders with the same amount repeatedly, because the transaction amount of different transactions is different;

4. Rule 4: The amount of a single transaction cannot be an integer, and none of the ten digits can be zero; Three numbers should not be the same;

5. Rule 5: The total number of single card transactions per day is ≤3, and the transaction failure ratio is ≤ 30%;

6. Rule 6: The amount of a single transaction should not be too large and should be controlled within1w..

Second, you can't swipe the credit card of the registered ID card holder.

Please don't pay in large amount when the credit card is first opened. Please try to use the balance first, pay with a savings card several times and then pay with a credit card. The first credit card payment amount shall not exceed 65,438+00,000.

Fourth, you can't use several fixed WeChat or Alipay accounts for a long time.

Please be as close as possible to the normal consumption amount and time of the business license.

6. You can't pay the same account frequently in a short time.

Basic risk control rules for Alipay collection:

1 New merchants need to increase their daily traffic slowly. The same person trades too frequently in a single day, which is easy to trigger risk control.

Online merchants are prohibited from trading too frequently at night (22: 00- 8: 00 the next day). Capital trading is characterized by regular decentralized trading and centralized trading. If the transaction amount is an integer multiple of a certain amount, or close to an integer multiple of a certain amount, it is easy to trigger risk control (for example, 199 yuan, 20 1 yuan, etc. ).

3. The amount and frequency of capital transactions are obviously inconsistent with the customer's identity, financial status, business content and economic behavior.

4. The trading time is highly related to the time of drawing the sports lottery, the time of drawing the lottery by major overseas gambling institutions and the time of determining the results of major sports events.

5. Changing websites, operating products or services without examination and approval.