Method and system for facilitating risk control of an online financial platform

A computer system, comprising:

• a processor;
• and
• a storage device coupled to the processor and storing instructions which when executed by the processor cause the processor to perform a method, the method comprising:
• monitoring, by a computer, types and numbers of risk-control commands issued by a risk-control system, wherein the risk-control commands correspond to transactions associated with users which receive service from an online financial platform;
• obtaining statistics associated with the monitored risk-control commands;
• determining, based on the obtained statistics, whether a subset of risk-control commands meets an anomaly condition, wherein the subset comprises at least one of:
• a particular type of risk-control command;
• and a particular type of risk-control command associated with a particular set of a plurality of sets of risk-control policies,
• wherein the plurality of sets of risk-control policies identify risks associated with a particular type of transaction,
• wherein the plurality of sets include at least one of:
• a first set for identifying risks associated with fund transfers;
• a second set for identifying risks associated with deposits;
• and a third set for identifying risks associated with withdrawals,
• wherein the first set further includes at least one of:
• a first policy for dealing with fraud risk;
• a second policy for dealing with money-laundering risk;
• and a third policy for dealing with identity theft risk, and
• wherein the anomaly condition is based on the obtained statistics and a ratio between a number of risk-control commands within the subset and a total number of risk-control commands issued by the risk-control system over a predetermined time interval, wherein the anomaly condition specifies a higher threshold and a lower threshold, and wherein the subset of risk-control commands meets the anomaly condition if the number or the ratio is greater than the higher threshold or less than the lower threshold;
• in response to determining that the subset of risk-control commands does not meet the anomaly condition, forwarding the subset of risk-control commands to the online financial platform to facilitate the online financial platform in performing corresponding transactions according to the subset of risk-control commands;
• in response to determining that the subset of risk-control commands meets the anomaly condition, preventing the subset of risk-control commands from being forwarded to the online financial platform;
• subsequent to preventing the subset of risk-control commands from being forwarded to the online financial platform, continuing to monitor the subset of risk-control commands to determine whether the subset of risk-control commands no longer meets the anomaly condition;
• and
• in response to determining that the subset of risk-control commands no longer meets the anomaly condition, forwarding the subset of risk-control commands to the online financial platform.

A non-transitory computer-readable storage medium storing instructions that when executed by a computer cause the computer to perform a method, the method comprising:

• monitoring, by a computer, types and numbers of risk-control commands issued by a risk-control system, wherein the risk-control commands correspond to transactions associated with users which receive service from an online financial platform;
• obtaining statistics associated with the monitored risk-control commands;
• determining, based on the obtained statistics, whether a subset of risk-control commands meets an anomaly condition, wherein the subset comprises at least one of:
• a particular type of risk-control command;
• and a particular type of risk-control command associated with a particular set of a plurality of sets of risk-control policies,
• wherein the plurality of sets of risk-control policies identify risks associated with a particular type of transaction,
• wherein the plurality of sets include at least one of:
• a first set for identifying risks associated with fund transfers;
• a second set for identifying risks associated with deposits;
• and a third set for identifying risks associated with withdrawals,
• wherein the first set further includes at least one of:
• a first policy for dealing with fraud risk;
• a second policy for dealing with money-laundering risk;
• and a third policy for dealing with identity theft risk, and
• wherein the anomaly condition is based on the obtained statistics and a ratio between a number of risk-control commands within the subset and a total number of risk-control commands issued by the risk-control system over a predetermined time interval, wherein the anomaly condition specifies a higher threshold and a lower threshold, and wherein the subset of risk-control commands meets the anomaly condition if the number or the ratio is greater than the higher threshold or less than the lower threshold;
• in response to determining that the subset of risk-control commands does not meet the anomaly condition, forwarding the subset of risk-control commands to the online financial platform to facilitate the online financial platform in performing corresponding transactions according to the subset of risk-control commands;
• in response to determining that the subset of risk-control commands meets the anomaly condition, preventing the subset of risk-control commands from being forwarded to the online financial platform;
• subsequent to preventing the subset of risk-control commands from being forwarded to the online financial platform, continuing to monitor the subset of risk-control commands to determine whether the subset of risk-control commands no longer meets the anomaly condition;
• and
• in response to determining that the subset of risk-control commands no longer meets the anomaly condition, forwarding the subset of risk-control commands to the online financial platform.