CN110335144A - Personal electric bank account safety detection method and device - Google Patents
Personal electric bank account safety detection method and device Download PDFInfo
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Abstract
The application provides a kind of personal electric bank account safety detection method and device, and method includes: to obtain the data of target personal electric bank account and pre-processed to obtain the corresponding characteristic value of the data to the data of acquisition；The characteristic value is inputted into preset Security Evaluation Model, and the safety detection result by the output of the Security Evaluation Model as target personal electric bank account, wherein, the Security Evaluation Model is the prediction model obtained using the training of personal information, bank card medium information, account setup information, channel information and logging device information.The application realizes effective evaluation client electronic bank accounts safety, to customer prompts security risk, client is guided to use safer usage mode, and then improve the safety of personal electric bank account.
Description
Technical field
The present invention relates to personal electric bank technology fields, and in particular to a kind of personal electric bank account safety detection side
Method and device.
Background technique
With the development of internet, the financial institutions such as numerous business banks provide e-bank to client using internet and take
Business.Client and bank can manage the fund of oneself using electronic bank accounts after contracting.Compared to entity account, electronic silver
Row account faces more complicated use environment and security risk.
The safety of electronic bank accounts is the basic demand that client uses electronic banking, much arranges although taking
It applies and ensures electronic banking safety, such as: reinforcing the authentication to client, prevent client identity stolen；It is mentioned for client
It is switched for multidimensional permission, combines own situation to carry out security setting convenient for client；Environment is carried out before client logs in e-bank
Safety inspection etc..While bank provides numerous safety measures, client's electronic bank accounts are stolen, fund is stolen, information is let out
The event of dew still happens occasionally.Found by event analysis, electronic bank accounts safety not only with the safety of banking system
It is related, it is more inseparable using the mode of e-bank with client.
Therefore the safety that a kind of mode detects personal electric bank account from client using the mode of e-bank is needed
Property.
Summary of the invention
For the problems of the prior art, the present invention provides a kind of personal electric bank account safety detection method and dress
It sets, facilitates client and intuitively understand electronic bank accounts safety, guidance client uses safe mode, and then improves personal electricity
The safety of sub- bank account.
In order to solve the above technical problems, the present invention the following technical schemes are provided:
In a first aspect, the present invention provides a kind of personal electric bank account safety detection method, comprising:
It obtains the data of target personal electric bank account and the data of acquisition is pre-processed to obtain the number
According to corresponding characteristic value；
The characteristic value is inputted into preset Security Evaluation Model, and using the output of the Security Evaluation Model as target
The safety detection result of people's electronic bank accounts, wherein the Security Evaluation Model is using personal information, bank's card media
The prediction model that information, account setup information, channel information and the training of logging device information obtain.
Wherein, the data of described pair of acquisition are pre-processed to obtain the corresponding characteristic value of the data, comprising:
Screening Treatment is carried out to the data of acquisition and obtains garbled data；
The garbled data is normalized to obtain the corresponding characteristic value of the garbled data.
Wherein, the data of described pair of acquisition carry out Screening Treatment and obtain garbled data, comprising:
The partial data for meeting preset condition in the data that deletion obtains obtains garbled data.
Further, further includes:
Obtain the historical data of more parts of personal electric bank accounts, wherein the historical data include the personal information,
Bank card medium information, account setup information, channel information and logging device information；
Based on XGBoost algorithm, Security Evaluation Model is trained using the historical data.
Further, it is based on XGBoost algorithm described, Security Evaluation Model is trained using the historical data
Before, further includes:
Data cleansing and data mark are carried out to the historical data；
Feature extraction is carried out to the historical data through data cleansing and data mark, obtains corresponding history feature data；
Corresponding, the application historical data is trained Security Evaluation Model, comprising:
The Security Evaluation Model is trained using the history feature data.
Further, before the application history feature data are trained the Security Evaluation Model, also
Include:
Training set and test set will be divided into through the history feature data；
Corresponding, the application history feature data are trained Security Evaluation Model, comprising:
The Security Evaluation Model is trained using the training set.
Further, after the application training set is trained the Security Evaluation Model, further includes:
It tests using the Security Evaluation Model that the test set obtains current training, and is adjusted according to test result
The Security Evaluation Model.
Wherein, the data of the target personal electric bank account include: personal information, bank card information, account setup
Information, channel information and logging device information.
Second aspect, the present invention provide a kind of personal electric bank account safety detection device, comprising:
Feature unit, for obtaining the data of target personal electric bank account and being located in advance to the data of acquisition
Reason obtains the corresponding characteristic value of the data；
Detection unit, for the characteristic value to be inputted preset Security Evaluation Model, and by the Security Evaluation Model
Export the safety detection result as target personal electric bank account, wherein the Security Evaluation Model is that application is personal
The prediction model that information, bank card medium information, account setup information, channel information and the training of logging device information obtain.
Wherein, the feature unit includes:
Subelement is screened, obtains garbled data for carrying out Screening Treatment to the data of acquisition；
Subelement is handled, obtains the corresponding feature of the garbled data for the garbled data to be normalized
Value.
Wherein, the screening subelement includes:
Removing module meets the partial data of preset condition in the data obtained and obtains garbled data for deleting.
Further, further includes:
Acquiring unit, for obtaining the historical data of more parts of personal electric bank accounts, wherein the historical data includes
The personal information, bank card medium information, account setup information, channel information and logging device information；
Training unit is trained Security Evaluation Model using the historical data for being based on XGBoost algorithm.
Further, further includes:
Unit is marked, for carrying out data cleansing and data mark to the historical data；
Extraction unit obtains corresponding for carrying out feature extraction to the historical data through data cleansing and data mark
History feature data；
Corresponding, the training unit includes:
Training subelement, for being trained using the history feature data to the Security Evaluation Model.
Further, further includes:
Subelement is divided, for training set and test set will to be divided into through the history feature data；
Corresponding, the trained subelement includes:
Training module, for being trained using the training set to the Security Evaluation Model.
Further, further includes:
Test module, the Security Evaluation Model obtained for the application test set to current training is tested, and root
The Security Evaluation Model is adjusted according to test result.
Wherein, the data of the target personal electric bank account include: personal information, bank card information, account setup
Information, channel information and logging device information.
The third aspect, the present invention provides a kind of electronic equipment, including memory, processor and storage are on a memory and can
The computer program run on a processor, the processor realize the personal electric bank account when executing described program
The step of safety detection method.
Fourth aspect, the present invention provide a kind of computer readable storage medium, are stored thereon with computer program, the calculating
The step of personal electric bank account safety detection method is realized when machine program is executed by processor.
As shown from the above technical solution, the present invention provides a kind of personal electric bank account safety detection method and device,
By obtaining the data of target personal electric bank account and being pre-processed to obtain the data pair to the data of acquisition
The characteristic value answered；The characteristic value is inputted into preset Security Evaluation Model, and using the output of the Security Evaluation Model as mesh
Mark the safety detection result of personal electric bank account, wherein the Security Evaluation Model is using personal information, bank card
The prediction model that medium information, account setup information, channel information and the training of logging device information obtain, realizes effective evaluation visitor
Family electronic bank accounts safety guides client to use safer usage mode to customer prompts security risk, ensures account
Family and fund security, and then improve the safety of personal electric bank account.And client lower for account security, lead to
It crosses bank e-bank's customer account security risk is analyzed and monitored, prevents such account from being utilized by attacker.
Detailed description of the invention
In order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, to embodiment or will show below
There is attached drawing needed in technical description to be briefly described, it should be apparent that, the accompanying drawings in the following description is the present invention
Some embodiments for those of ordinary skill in the art without creative efforts, can also basis
These attached drawings obtain other attached drawings.
Fig. 1 is the flow diagram of the personal electric bank account safety detection method in the embodiment of the present invention.
Fig. 2 is another flow diagram of the personal electric bank account safety detection method in the embodiment of the present invention.
Fig. 3 is another flow diagram of the personal electric bank account safety detection method in the embodiment of the present invention.
Fig. 4 be the embodiment of the present invention in personal electric bank account safety detection method in Security Evaluation Model training and
Tuning phase flow figure.
Fig. 5 is a kind of structural schematic diagram of the personal electric bank account safety detection device in the embodiment of the present invention.
Fig. 6 is second of structural schematic diagram of the personal electric bank account safety detection device in the embodiment of the present invention.
Fig. 7 is the structural schematic diagram of the electronic equipment in the embodiment of the present invention.
Specific embodiment
In order to make the object, technical scheme and advantages of the embodiment of the invention clearer, below in conjunction with the embodiment of the present invention
In attached drawing, the technical scheme in the embodiment of the invention is clearly and completely described, it is clear that described embodiment is
A part of the embodiment of the present invention, instead of all the embodiments.Based on the embodiments of the present invention, those of ordinary skill in the art
Every other embodiment obtained without making creative work, shall fall within the protection scope of the present invention.
The present invention provides a kind of personal electric bank account safety detection method, referring to Fig. 1, personal electric bank account
Family safety detection method specifically includes following content:
S101: the data of target personal electric bank account are obtained and the data of acquisition are pre-processed to obtain institute
State the corresponding characteristic value of data；
In this step, the data of target personal electric bank account are target individual in e-bank's transacting business or stay
Deposit about personal and account information, comprising: personal information, bank card information, account setup information, channel information and login
Facility information.
The data source of the data of target personal electric bank account be Data Warehouse In Bank, historical information storage system,
Each related application system database.
It is understood that personal information includes: customer basis information, certificate information, contact information.Bank card information packet
Contain: bank card types information, bank card password strength information, bank card recently using temporal information, temporarily report the loss information.Account
Setting information include: externally transfer accounts priority assignation information, e-commerce priority assignation information, payment obligation authority setting information,
Financing class transaction authentication priority assignation information, remaining sum, which change, reminds setting information, logs in and remind setting information, exempt from close transaction setting
Information, trading limit setting information, on line overseas without regional priority assignation letter of trading within the border under card obligation authority setting information, line
Off-shore transaction country /region priority assignation information, off-line transaction time priority assignation information, e-bank are situated between safely under breath, line
Matter type information, e-bank's Cipher Strength information.Channel information includes: e-bank's channel use information, sales counter and artificial
Channel use information, self-service channel use information, partner's channel use information, third party's quick payment channel use information.
Logging device information includes: device numbering information, device hardware information, Bank application version information, operation program information, network
Link information, operating system authority information, operating system version information, critical path the file information, browser plug-in information.
Further, the data of acquisition are pre-processed to obtain the corresponding characteristic value of the data, comprising:
Screening Treatment is carried out to the data of acquisition and obtains garbled data, the garbled data is normalized
Obtain the corresponding characteristic value of the garbled data.
Wherein, Screening Treatment is carried out to the data of acquisition and obtains garbled data, in the data for specifically deleting acquisition
The partial data for meeting preset condition obtains garbled data.
The preset condition can carry out self-setting according to screening requirements, and in this city embodiment, which is to obtain
Data value is data that are empty or not meeting service logic in the data of the target personal electric bank account taken.
Data value for sky or does not meet service logic in the data for the target personal electric bank account that specifically will acquire
Data delete.
Wherein, the garbled data is normalized to obtain the corresponding characteristic value of the garbled data, specifically
The personal information of acquisition, bank card information, account setup information, channel information, logging device information are normalized.
Referring to detailed index table shown in table 1, to the personal information of acquisition, bank card information, account setup information, channel
Information, logging device information are normalized to obtain the corresponding characteristic value of the garbled data.
The detailed index table of table 1
Above-mentioned, processing personal information show customer basis loss of learning situation, whether client certificate is expired, whether there is
By bank validation cell-phone number index.Wherein, customer basis loss of learning situation=customer basis loss of learning item quantity/client
Basic information sum.
Above-mentioned, processing bank card information show that the non-chip card situation of bank card, bank card password are weak password situation, length
Phase motionless account bank card situation temporarily reports the loss bank card situation index.Wherein, the non-chip card situation=customer bank card of bank card
Non- chip card quantity/customer bank card sum；Bank card password is that weak password situation=customer bank clip pin is weak password number
Amount/customer bank card sum；Long-term motionless account bank card situation=long-term motionless account bank card quantity/customer bank card sum；
It temporarily reports the loss bank card situation=client and temporarily reports the loss bank card quantity/customer bank card sum；Bank card password meets following
Any rule based judgment is weak password: less than 6,6 same numbers of length, 6 incremental numbers, 6 decreasing numbers；Long-term motionless account
Bank card refers to the bank card that receipt and payment activity and Wei Qian bank of deposit debt does not occur for 1 year.
Above-mentioned, processing electronic bank accounts setting information obtains whether open function of externally transferring accounts, whether open electronics
Whether business function opens payment payment function, whether opens financing class transaction authentication function, whether opens remaining sum variation prompting
Function, whether open exempt from close trading function, whether trading limit is set, whether be arranged on line overseas without card obligation authority, whether
When regional permission of trading within the border being set under line, whether off-shore transaction country /region permission under line being set, whether off-line transaction is set
Between permission, e-bank's password whether be weak password, whether open e-bank and log in and remind, whether using trendy intelligent cipher
Key index.
It is above-mentioned, processing channel information obtain it is the last using e-bank's channel number of days, the last use sales counter
And artificial canal's number of days, the last time are made using self-service channel number of days, the last time using partner's channel number of days, the last time
With third party's quick payment channel number of days index.The last time uses e-bank/sales counter and artificial/self-service/partner/third
Square quick payment channel day number calculating method are as follows: the nature that date on the same day-client's the last time is obtained using the channel service date
Day number of days.
Above-mentioned, whether in person processing logging device information obtain whether bound device, client application have been updated to most
New edition, whether operational safety software, whether run debugging software, whether operational network agency, whether be connected to risk network, be
It is no possess super keepe permission, operating system with the presence or absence of considerable safety loophole, whether using simulator, whether anti-fishing is installed
Fish control index.
S102: inputting preset Security Evaluation Model for the characteristic value, and using the output of the Security Evaluation Model as
The safety detection result of target personal electric bank account, wherein the Security Evaluation Model is using personal information, bank
The prediction model that card media information, account setup information, channel information and the training of logging device information obtain.
In this step, the characteristic value obtained by step S101, using characteristic value as the input of Security Evaluation Model, root
According to the safety of Security Evaluation Model output result (i.e. client be divided into classification of risks probability) assessment user account, for visitor
Family provides safety detection service, provides bulk statistics function for bank and can provide data supporting for air control system.
As can be seen from the above description, personal electric bank account safety detection method provided in an embodiment of the present invention, by obtaining
It takes the data of target personal electric bank account and the data of acquisition is pre-processed to obtain the corresponding spy of the data
Value indicative；The characteristic value is inputted into preset Security Evaluation Model, and using the output of the Security Evaluation Model as target individual
The safety detection result of electronic bank accounts, wherein the Security Evaluation Model is to believe using personal information, bank's card media
The prediction model that breath, account setup information, channel information and the training of logging device information obtain, realizes effective evaluation client electronics
Bank account safety guides client to use safer usage mode to customer prompts security risk, ensures account and money
Golden safety, and then improve the safety of personal electric bank account.And client lower for account security, pass through bank
E-bank's customer account security risk is analyzed and monitored, prevents such account from being utilized by attacker.
On the basis of the above embodiments, referring to fig. 2, the embodiment of the personal electric bank account safety detection method is also
Include:
S10: the historical data of more parts of personal electric bank accounts is obtained, wherein the historical data includes the individual
Information, bank card medium information, account setup information, channel information and logging device information；
S30: it is based on XGBoost algorithm, Security Evaluation Model is trained using the historical data.
In the present embodiment, obtain the historical data of more parts of personal electric bank accounts, and based on XGBoost algorithm and
Applicating history data are trained to obtain Security Evaluation Model, and XGBoost algorithm can be realized simultaneously using the multithreading of processor
Row processing, and Hadoop is supported to realize, it is suitable for big data quantity and analyzes.Result (i.e. client's quilt is exported according to Security Evaluation Model
Be divided into the probability of classification of risks) assessment user account safety, compensate for bank generally think little of client participate in mention jointly
The missing for rising electronic bank accounts safety had both facilitated client and has intuitively understood electronic bank accounts safety, and guidance client changes
Become unsafe usage mode, it helps bank is analyzed and monitored to full dose e-bank customer account security risk.
Further, referring to Fig. 3, in the present embodiment, further includes:
S20: data cleansing is carried out to the historical data and data mark；
S40: feature extraction is carried out to the historical data through data cleansing and data mark, obtains corresponding history feature number
According to；
Corresponding, the application historical data is trained Security Evaluation Model, comprising:
S50: the Security Evaluation Model is trained using the history feature data.
In the present embodiment, by carrying out data cleansing sum number to the historical data for obtaining more parts of personal electric bank accounts
According to mark, the validity of historical data can be improved, carry out feature extraction after data cleansing and data mark and obtain history
Characteristic.Applicating history characteristic is trained the Security Evaluation Model, can be improved the property of Security Evaluation Model
Can, and then improve the precision of Security Evaluation Model.
It should be noted that data value is in the historical data for the more parts of personal electric bank accounts that data cleansing will acquire
Data that are empty or not meeting service logic are deleted.Data mark is to be marked historical data for model training and verifying.
Once the client that risk case occurred is labeled as account there are the client of security risk, is denoted as 0；By non-occurrence risk event
The client client safer labeled as account, is denoted as 1.
Further, before being trained to Security Evaluation Model using the history feature data, it is also necessary to will be through
History feature data are divided into training set and test set；Corresponding, the application history feature data are to security evaluation
When model is trained, the Security Evaluation Model is trained using the training set.Using the test set to described
Security Evaluation Model is verified, and the Security Evaluation Model that the application test set obtains current training is tested,
And the Security Evaluation Model is adjusted according to test result.
As can be seen from the above description, including the generation method and Service safety assessment of Security Evaluation Model in the embodiment of the present invention
Model carries out personal electric bank account safety detection method.Pass through XGBoost algorithm training of safety assessment models and adjustment
Weighted value, meanwhile, the safety of account is assessed using the anticipation result of model, realizes that bank and client promote electricity jointly
Sub- bank account safety facilitates client and intuitively understands electronic bank accounts safety, and guidance client changes unsafe make
With mode, and then improve the safety of electronic bank accounts, it helps bank is to full dose e-bank customer account safety wind
It is analyzed and is monitored in danger.
In order to it is more detailed explanation use XGBoost algorithm training of safety assessment models method, the present embodiment provides
A kind of specific training method specifically includes referring to fig. 4:
Step S301: training set and test set are divided.The data set after label is divided into instruction by random division function
The sample number ratio of white silk collection and test set, training set and test set is selected as 7:3.If data set is smaller, N folding cross validation can be used
Method.
Step S302: setting hyper parameter.Hyper parameter is the initial value being arranged based on experience value, rather than obtained by training
Parameter；
Step S303: " learning rate (eta) " is determined based on experience value.
Step S304: fixed learning rate adjusts the value of " Best tree number " (nround), and is selected according to different nround
Under AUC (Area under the Curve of ROC) value, determine nround；It is obtained according to the adjustment of CV function best
Learning rate, and determine according to cross validation the depth of Best tree.
It should be noted that, XGBoost has a highly useful function to be called " CV ", it is in enhancing iteration every time
Cross validation is executed, thus the Best tree number needed for returning.
Step S305: carrying out raster search (grid search), and then determines the depth capacity (max_ of each tree
Depth) and the parameter combination of minimum node weight (min_child_weight), combination is traversed, obtains optimal parameter
Combination.
Step S306: the value of Gamma, least disadvantage function drop-out value needed for Gamma expression node split, value are determined
Bigger, algorithm is more conservative, avoids over-fitting.
Step S307: raster search determines the sample set (subsample) and character subset of each tree training
(colsample_bytree) size；
Step S308: raster search determines the L1 regularization term alpha and L2 regularization term lambda of each tree；
Step S309: judge whether the value of AUC reaches target.
Step S310: it if reaching target, is combined the above-mentioned parameter adjusted as final optimal parameter.
Step S311: if being unsatisfactory for target, smaller learning rate is reset, from which further follows that optimal parameter group
It closes.
The embodiment of the present invention provides one kind and can be realized in the personal electric bank account safety detection method in whole
The specific embodiment of the personal electric bank account safety detection device of appearance, referring to Fig. 5, the personal electric bank account peace
Full detection device specifically includes following content:
Feature unit 10, for obtaining the data of target personal electric bank account and being carried out to the data of acquisition pre-
Processing obtains the corresponding characteristic value of the data；
Detection unit 20, for the characteristic value to be inputted preset Security Evaluation Model, and by the Security Evaluation Model
Safety detection result of the output as target personal electric bank account, wherein the Security Evaluation Model is that application is a
The prediction model that people's information, bank card medium information, account setup information, channel information and the training of logging device information obtain.
Wherein, the feature unit 10 includes:
Subelement 101 is screened, obtains garbled data for carrying out Screening Treatment to the data of acquisition；
Subelement 102 is handled, it is corresponding for being normalized to obtain the garbled data to the garbled data
Characteristic value.
Wherein, the screening subelement includes:
Removing module meets the partial data of preset condition in the data obtained and obtains garbled data for deleting.
Further, referring to Fig. 6, the personal electric bank account safety detection device is specific further include:
Acquiring unit 30, for obtaining the historical data of more parts of personal electric bank accounts, wherein the historical data packet
Include the personal information, bank card medium information, account setup information, channel information and logging device information；
Training unit 60 instructs Security Evaluation Model using the historical data for being based on XGBoost algorithm
Practice.
Further, further includes:
Unit 40 is marked, for carrying out data cleansing and data mark to the historical data；
Extraction unit 50 is corresponded to for carrying out feature extraction to the historical data through data cleansing and data mark
History feature data；
Corresponding, the training unit includes:
Training subelement, for being trained using the history feature data to the Security Evaluation Model.
Further, further includes:
Subelement is divided, for training set and test set will to be divided into through the history feature data；
Corresponding, the trained subelement includes:
Training module, for being trained using the training set to the Security Evaluation Model.
Further, further includes:
Test module, the Security Evaluation Model obtained for the application test set to current training is tested, and root
The Security Evaluation Model is adjusted according to test result.
Wherein, the data of the target personal electric bank account include: personal information, bank card information, account setup
Information, channel information and logging device information.
The embodiment of personal electric bank account safety detection device provided by the invention specifically can be used for executing above-mentioned
The process flow of the embodiment of personal electric bank account safety detection method in embodiment, details are not described herein for function,
It is referred to the detailed description of above method embodiment.
As can be seen from the above description, personal electric bank account safety detection device provided in an embodiment of the present invention, by obtaining
It takes the data of target personal electric bank account and the data of acquisition is pre-processed to obtain the corresponding spy of the data
Value indicative；The characteristic value is inputted into preset Security Evaluation Model, and using the output of the Security Evaluation Model as target individual
The safety detection result of electronic bank accounts, wherein the Security Evaluation Model is to believe using personal information, bank's card media
The prediction model that breath, account setup information, channel information and the training of logging device information obtain, realizes effective evaluation client electronics
Bank account safety guides client to use safer usage mode to customer prompts security risk, ensures account and money
Golden safety, and then improve the safety of personal electric bank account.And client lower for account security, pass through bank
E-bank's customer account security risk is analyzed and monitored, prevents such account from being utilized by attacker.
The embodiment of the present invention also provides the personal electric bank account safety detection side that can be realized in above-described embodiment
The specific embodiment of a kind of electronic equipment of Overall Steps in method, referring to Fig. 7, the electronic equipment is specifically included in following
Hold:
Processor (processor) 601, memory (memory) 602, communication interface (Communications
Interface) 603 and bus 604；
Wherein, the processor 601, memory 602, communication interface 603 complete mutual lead to by the bus 604
Letter；The processor 601 is used to call the computer program in the memory 602, and the processor executes the computer
The Overall Steps in the personal electric bank account safety detection method in above-described embodiment are realized when program, for example, the place
Reason device realizes following step when executing the computer program: obtaining the data of target personal electric bank account and to acquisition
The data are pre-processed to obtain the corresponding characteristic value of the data；The characteristic value is inputted into preset security evaluation mould
Type, and the safety detection result by the output of the Security Evaluation Model as target personal electric bank account, wherein described
Security Evaluation Model is using personal information, bank card medium information, account setup information, channel information and logging device information
The prediction model that training obtains.
The embodiment of the present invention also provides the personal electric bank account safety detection side that can be realized in above-described embodiment
A kind of computer readable storage medium of Overall Steps in method is stored with computer journey on the computer readable storage medium
Sequence, the computer program realize the personal electric bank account safety detection method in above-described embodiment when being executed by processor
Overall Steps, for example, the processor realizes following step when executing the computer program: obtaining target personal electric bank
The data of account simultaneously pre-process the data of acquisition to obtain the corresponding characteristic value of the data；The characteristic value is defeated
Enter preset Security Evaluation Model, and the safety by the output of the Security Evaluation Model as target personal electric bank account
Testing result, wherein the Security Evaluation Model is using personal information, bank card medium information, account setup information, channel
The prediction model that information and the training of logging device information obtain.
Although the present invention provides the method operating procedure as described in embodiment or flow chart, based on conventional or noninvasive
The labour for the property made may include more or less operating procedure.The step of enumerating in embodiment sequence is only numerous steps
One of execution sequence mode, does not represent and unique executes sequence.It, can when device or client production in practice executes
To execute or parallel execute (such as at parallel processor or multithreading according to embodiment or method shown in the drawings sequence
The environment of reason).
It will be understood by those skilled in the art that the embodiment of this specification can provide as the production of method, system or computer program
Product.Therefore, in terms of this specification embodiment can be used complete hardware embodiment, complete software embodiment or combine software and hardware
Embodiment form.
All the embodiments in this specification are described in a progressive manner, same and similar portion between each embodiment
Dividing may refer to each other, and each embodiment focuses on the differences from other embodiments.Especially for system reality
For applying example, since it is substantially similar to the method embodiment, so being described relatively simple, related place is referring to embodiment of the method
Part explanation.Herein, relational terms such as first and second and the like be used merely to an entity or
Operation is distinguished with another entity or operation, and without necessarily requiring or implying between these entities or operation, there are any
This actual relationship or sequence.Moreover, the terms "include", "comprise" or its any other variant be intended to it is non-exclusive
Property include so that include a series of elements process, method, article or equipment not only include those elements, but also
Further include other elements that are not explicitly listed, or further include for this process, method, article or equipment it is intrinsic
Element.The orientation or positional relationship of the instructions such as term " on ", "lower" be based on the orientation or positional relationship shown in the drawings, be only for
Convenient for the description present invention and simplify description, rather than the device or element of indication or suggestion meaning there must be specific side
Position is constructed and operated in a specific orientation, therefore is not considered as limiting the invention.Unless otherwise specific regulation and limit
Fixed, term " installation ", " connected ", " connection " shall be understood in a broad sense, for example, it may be being fixedly connected, be also possible to detachably connect
It connects, or is integrally connected；It can be mechanical connection, be also possible to be electrically connected；It can be directly connected, intermediate matchmaker can also be passed through
Jie is indirectly connected, and can be the connection inside two elements.It for the ordinary skill in the art, can be according to specific
Situation understands the concrete meaning of above-mentioned term in the present invention.
In specification of the invention, numerous specific details are set forth.Although it is understood that the embodiment of the present invention can
To practice without these specific details.In some instances, well known method, structure and skill is not been shown in detail
Art, so as not to obscure the understanding of this specification.Similarly, it should be understood that disclose in order to simplify the present invention and helps to understand respectively
One or more of a inventive aspect, in the above description of the exemplary embodiment of the present invention, each spy of the invention
Sign is grouped together into a single embodiment, figure, or description thereof sometimes.However, should not be by the method solution of the disclosure
Release is in reflect an intention that i.e. the claimed invention requires more than feature expressly recited in each claim
More features.More precisely, as the following claims reflect, inventive aspect is less than single reality disclosed above
Apply all features of example.Therefore, it then follows thus claims of specific embodiment are expressly incorporated in the specific embodiment,
It is wherein each that the claims themselves are regarded as separate embodiments of the invention.It should be noted that in the absence of conflict, this
The feature in embodiment and embodiment in invention can be combined with each other.The invention is not limited to any single aspect,
It is not limited to any single embodiment, is also not limited to any combination and/or displacement of these aspects and/or embodiment.And
And can be used alone each aspect and/or embodiment of the invention or with other one or more aspects and/or its implementation
Example is used in combination.
Finally, it should be noted that the above embodiments are only used to illustrate the technical solution of the present invention., rather than its limitations；To the greatest extent
Pipe present invention has been described in detail with reference to the aforementioned embodiments, those skilled in the art should understand that: its according to
So be possible to modify the technical solutions described in the foregoing embodiments, or to some or all of the technical features into
Row equivalent replacement；And these are modified or replaceed, various embodiments of the present invention technology that it does not separate the essence of the corresponding technical solution
The range of scheme should all cover within the scope of the claims and the description of the invention.
Claims (18)
1. a kind of personal electric bank account safety detection method characterized by comprising
It obtains the data of target personal electric bank account and the data of acquisition is pre-processed to obtain the data pair
The characteristic value answered；
The characteristic value is inputted into preset Security Evaluation Model, and using the output of the Security Evaluation Model as the personal electricity of target
The safety detection result of sub- bank account, wherein the Security Evaluation Model is to believe using personal information, bank's card media
The prediction model that breath, account setup information, channel information and the training of logging device information obtain.
2. personal electric bank account safety detection method according to claim 1, which is characterized in that described pair acquisition
The data are pre-processed to obtain the corresponding characteristic value of the data, comprising:
Screening Treatment is carried out to the data of acquisition and obtains garbled data；
The garbled data is normalized to obtain the corresponding characteristic value of the garbled data.
3. personal electric bank account safety detection method according to claim 2, which is characterized in that described pair acquisition
The data carry out Screening Treatment and obtain garbled data, comprising:
The partial data for meeting preset condition in the data that deletion obtains obtains garbled data.
4. personal electric bank account safety detection method according to claim 1, which is characterized in that further include:
Obtain the historical data of more parts of personal electric bank accounts, wherein the historical data includes the personal information, bank
Card media information, account setup information, channel information and logging device information；
Based on XGBoost algorithm, Security Evaluation Model is trained using the historical data.
5. personal electric bank account safety detection method according to claim 4, which is characterized in that be based on described
XGBoost algorithm, before being trained using the historical data to Security Evaluation Model, further includes:
Data cleansing and data mark are carried out to the historical data；
Feature extraction is carried out to the historical data through data cleansing and data mark, obtains corresponding history feature data；
Corresponding, the application historical data is trained Security Evaluation Model, comprising:
The Security Evaluation Model is trained using the history feature data.
6. personal electric bank account safety detection method according to claim 5, which is characterized in that apply institute described
It states before history feature data are trained the Security Evaluation Model, further includes:
Training set and test set will be divided into through the history feature data；
Corresponding, the application history feature data are trained Security Evaluation Model, comprising:
The Security Evaluation Model is trained using the training set.
7. personal electric bank account safety detection method according to claim 6, which is characterized in that apply institute described
It states after training set is trained the Security Evaluation Model, further includes:
It is tested using the Security Evaluation Model that the test set obtains current training, and the peace is adjusted according to test result
Full assessment models.
8. personal electric bank account safety detection method according to claim 1, which is characterized in that the target is personal
The data of electronic bank accounts include: personal information, bank card information, account setup information, channel information and logging device letter
Breath.
9. a kind of personal electric bank account safety detection device characterized by comprising
Feature unit, for obtaining the data of target personal electric bank account and pre-process to the data of acquisition
To the corresponding characteristic value of the data；
Detection unit, for the characteristic value to be inputted preset Security Evaluation Model, and by the output of the Security Evaluation Model
Safety detection result as target personal electric bank account, wherein the Security Evaluation Model be using personal information,
The prediction model that bank card medium information, account setup information, channel information and the training of logging device information obtain.
10. personal electric bank account safety detection device according to claim 9, which is characterized in that the feature list
Member includes:
Subelement is screened, obtains garbled data for carrying out Screening Treatment to the data of acquisition；
Subelement is handled, obtains the corresponding characteristic value of the garbled data for the garbled data to be normalized.
11. personal electric bank account safety detection device according to claim 10, which is characterized in that screening
Unit includes:
Removing module meets the partial data of preset condition in the data obtained and obtains garbled data for deleting.
12. personal electric bank account safety detection device according to claim 9, which is characterized in that further include:
Acquiring unit, for obtaining the historical data of more parts of personal electric bank accounts, wherein the historical data includes described
Personal information, bank card medium information, account setup information, channel information and logging device information；
Training unit is trained Security Evaluation Model using the historical data for being based on XGBoost algorithm.
13. personal electric bank account safety detection device according to claim 12, which is characterized in that further include:
Unit is marked, for carrying out data cleansing and data mark to the historical data；
Extraction unit obtains corresponding history for carrying out feature extraction to the historical data through data cleansing and data mark
Characteristic；
Corresponding, the training unit includes:
Training subelement, for being trained using the history feature data to the Security Evaluation Model.
14. personal electric bank account safety detection device according to claim 13, which is characterized in that further include:
Subelement is divided, for training set and test set will to be divided into through the history feature data；
Corresponding, the trained subelement includes:
Training module, for being trained using the training set to the Security Evaluation Model.
15. personal electric bank account safety detection device according to claim 14, which is characterized in that further include:
Test module, the Security Evaluation Model obtained for the application test set to current training are tested, and according to survey
Test result adjusts the Security Evaluation Model.
16. personal electric bank account safety detection device according to claim 9, which is characterized in that the target
The data of people's electronic bank accounts include: personal information, bank card information, account setup information, channel information and logging device
Information.
17. a kind of electronic equipment including memory, processor and stores the calculating that can be run on a memory and on a processor
Machine program, which is characterized in that the processor realizes claim 1 to 8 described in any item personal electricity when executing described program
The step of sub- bank account safety detection method.
18. a kind of computer readable storage medium, is stored thereon with computer program, which is characterized in that the computer program quilt
The step of claim 1 to 8 described in any item personal electric bank account safety detection methods are realized when processor executes.
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| CN111383027A (en) * | 2020-03-10 | 2020-07-07 | 中国建设银行股份有限公司 | Account case-involved detection method, device, equipment and storage medium |
| CN111709834A (en) * | 2020-06-16 | 2020-09-25 | 中国银行股份有限公司 | Blacklist setting method and device, electronic equipment and computer storage medium |
| CN111709834B (en) * | 2020-06-16 | 2023-07-28 | 中国银行股份有限公司 | Blacklist setting method and device, electronic equipment and computer storage medium |
| WO2022073519A1 (en) * | 2020-10-09 | 2022-04-14 | 深圳壹账通智能科技有限公司 | Method, apparatus and device for applying for account in virtual bank, and computer storage medium |
| CN112884570A (en) * | 2021-02-24 | 2021-06-01 | 中国工商银行股份有限公司 | Method, device and equipment for determining model security |
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