Talking about wechat payment risk control

Wechat also has strong payment security technology as support —— Tencent big financial security technology .

Tencent's security is mainly assessed from two aspects , Respectively ： Security assessment of user account and user behavior .

The first is the security assessment of user accounts ： That is to judge the user account used “ Legitimacy ”. You need to evaluate from data of multiple dimensions , Such as ： Such as mobile phone device fingerprint 、 The network environment 、 Payment action （ Place an order 、 Confirm payment 、 Input password 、 Confirm the deal ）、 Amount and time of transfer 、 Background information of real name registrant 、 Network depth 、 New and old account number, etc . Of course, you can also use Tencent's computer or mobile housekeeper terminal and other methods to obtain data , Collect a large number of payment related samples . For social data , Will communicate with partners .

After integrating these data of different dimensions , It can form an all inclusive database , After calculation with the help of learning machine , Some unique features can be generated . In this way, Tencent uses big data and artificial intelligence learning model , You can make a comprehensive monitoring of the payment of any wechat account .

For example, by monitoring the user's login device data ：

If wechat A The account is usually used iPhone11 Log in to wechat via mobile phone , If the system now monitors A The account suddenly logged in on Huawei's mobile phone , Then the monitoring system will think that the user's wechat may have been stolen . In order to protect the security of users' funds , The monitoring system will automatically trigger in the background “ Secondary verification ”, For example, automatically require the login to perform face recognition or voice 、 SMS and other methods to verify , Make sure you log in to wechat A It's the user himself .

Of course, Tencent risk control system will also use other richer rule data to comprehensively monitor the abnormal behavior of users .

The second is to judge the payment behavior of users , Ensure that the transaction behavior is reasonable + legal .

Wechat will judge whether it is a normal transaction according to the user's behavior . For example, wechat A Account in 0 After you click the card , Immediately give another non friend wechat B Large amount transfer ,B The account is withdrawn immediately . At this time, wechat risk control system will judge the transaction , First, the transaction time is suspicious , Few users will bind card transactions during this time period , Secondly, from the intimacy model of the two accounts , The previous two numbers did not intersect , It's also suspicious .

Through comprehensive judgment , The system will think this is a typical risk scenario of transferring funds , Wechat that may activate secondary verification to ensure payment A I am operating . If wechat is judged A Stolen number , Then the system will intercept the subsequent payment .

Here, the risk control system passes the transaction time 、 User social data is used to judge these multi-dimensional data . If the system obtains wechat B There are exceptions in previous transaction data （ For example, some netizens report B For a liar ）, Then the system will directly cut off the payment or freeze the liar's account , So as to protect the security of user payment .

Of course , Everything has two sides , Some small partners may also be misjudged by the risk control system due to improper operation, resulting in account closure , What should I do at this time to unseal it ？

1. After being sealed, it is suggested to 6 Go to the landing point on the official original wechat within hours and unseal it according to the instructions .

2. After unsealing, be sure to log in on the official original wechat 10 One day, stabilize your account , commonly 10 It hasn't been sealed again in days , That means the number is OK .

3. After unsealing, it was sealed again on the official wechat login , It is suggested to uninstall the official wechat and go to Apple again APPstore Or find the latest wechat version in the application market, download and install it, and then unseal it .

4. At present, the maximum number of unsealing times of wechat in a month 1 Time , Unseal within half a year at most 2 Time , Unseal at most in a year 3 Time , Beyond that, we can only unseal it next year .

5. After successful login after unsealing ,15 Do not add friends within days 、 Operations such as modifying personal data and password .

6. Prompt: permanent seal number cannot be unsealed , Please apply for a new number directly , Don't trust anyone who claims to be able to solve Yongfeng .

7. It is calculated according to the current conditions for unsealing wechat friends , Before wechat for wechat 6 Months of control is quite strict , There must be relevant title scoring standards , If your account is lower than the score, it will be blocked directly .

Now many people complain about wechat 、 Alipay's wind control is too strict. , As a result, payments are often limited . In fact, this is the biggest guarantee that big data and artificial intelligence can achieve while ensuring normal payment behavior . With the further development of science and technology and the continuous improvement of data , Sesame believes it will gradually reduce the probability of misjudgment , Avoid some unnecessary trouble , So WeChat and Alipay will be more popular. .