Recently, Linkage Advantage Technology Co., Ltd. "Next generation electronic payment security Technology Beijing Engineering Laboratory" was recognized by Beijing Municipal Commission of Development and Reform as the 2017 municipal engineering laboratory. The laboratory aims to break through the current difficulties in electronic payment risk control, solve the current social problems of financial fraud outbreak, and provide important technical guarantee for the healthy development of network economy and information society, the construction of a harmonious society, and the protection of national financial security.
With the rapid development of mobile payment, diversified forms of electronic payment and vigorous development of cross-border e-commerce, the public has higher and higher requirements on the convenience of payment, and the proportion of payment without cards is constantly increasing. With the popularity of smart phones, electronic payment risks such as hidden Trojan horses and phishing websites have risen sharply, and various financial frauds, especially telecom fraud cases, have brought huge social problems. At present, Linkage Advantage is deeply engaged in the field of fintech. It has launched a risk control service platform with core intellectual property rights independently developed by Linkage Advantage. It adopts cloud computing architecture, based on powerful risk control rule engine technology and combined with big data resources to provide customers with one-stop risk control solutions. The risk control service platform adopts the dual-engine mechanism of high-performance independent warning and decision making, which controls the actual response time within 100 milliseconds. The risk control service platform can accurately identify the visited devices by collecting multiple device information for analysis and calculation. The risk control service platform can provide the customer's own data modeling, support data uploading, customize the model and model tuning, and combine the model platform with the real-time engine to form a comprehensive decision of model scoring + decision, effectively improving the overall risk control effect. The risk control service platform has nearly 1,000 rules of high-value risk scenarios that have been tested in practice, which can accurately locate customers' intentions, restore event scenes, and greatly reduce the error rate.
The engineering laboratory of linkage advantage jointly carries out relevant research and experiments with universities, payment institutions, banks and enterprises, integrates the new generation of fintech into the research of electronic payment security, and applies various innovative technologies such as data security processing technology, big data technology, terminal differentiation technology, user dynamic behavior characteristics analysis, operator identity authentication, etc. Develop the next generation of electronic payment risk control security solutions. The lab will study electronic payment security solutions with low cost, high efficiency, risk balance, good user perception and significant industrialization benefits based on different application scenarios and security level needs.
The establishment of "Beijing Engineering Laboratory of Next Generation Electronic Payment Security Technology" will help enhance the strength of linkage advantage fintech, reduce the fraud risk of payment business, improve the overall anti-risk ability, enhance customer satisfaction, and thus enhance the competitiveness of enterprises.
