基于大数据的电商异常交易风险评估仿真

摘要

Traditional risk evaluation method for unusual transaction of e-commerce always ignores overall acquisition of three factors of evaluation,which leads to poor precision of the risk evaluation.In order to solve the problem,based on big data,a new risk evaluation method is presented in this article.Following principle of index system of risk evaluation,evaluation system of transaction risk is built.Degree of risk in the transaction risk of unusual transaction of e-commerce is calculated.Thus,according to transaction evaluation,platform evaluation and user evaluation,the risk evaluation is completed.Simulation proves that the method can complete the risk evaluation effectively.Evaluation result is more precise.%对电商异常交易中的风险进行评估,可以有效降低电商交易中存在的风险对用户造成的损失.对电商异常交易风险的评估,需要计算电商异常交易风险中的风险度,获取交易评估、平台评估和用户评估三个评估因素,完成交易风险评估.传统方法建立用户需求风险和异常交易风险之间的映射关系,根据期望值函数计算模糊数值,但忽略了对评估三个因素进行全面获取,导致风险评估精度偏低.在大数据的基础上,提出一种电商异常交易风险评估方法.遵循风险评估指标体系原则对交易风险的评估体系进行构建,计算电商异常交易风险中的风险度,最后根据交易评估、平台评估和用户评估三个评估因素完成电商异常交易风险的评估.仿真证明,上述方法可以有效的完成电商异常交易中的风险评估,评估结果更为精准.