Research On Suspicious Transaction Identification Of Third-party Payment Institutes Based On Risk Information Disclosure Standards

It is the legal obligation of third-party payment institutions to identify suspicious transactions.However,due to its short development time,although certain progress has been made in identifying suspicious transactions with the help of technical advantages,it is difficult to achieve breakthrough in the whole industry due to limited investment and lack of information.According to the P-R curve of the evaluation classification algorithm,risk information,as an external factor,plays a positive role in the modeling system of suspicious transactions.Through the research of risk information disclosure standards,the exchange of financial information is of great theoretical and practical significance to the improvement of the performance ability of third-party payment institutions.This paper uses literature analysis and systematic research methods to analyze the internal and external factors affecting the identification and modeling of suspicious transactions.It is concluded that the introduction of external risk information has an important impact on the balance of the original system.,in the reference to the suspicious transaction identification field,the authoritative guidance of the special organization "40 recommendations",RUSI research on information value and information sharing,Glancy and other scholars on customer privacy and intellectual property information transfer and the establishment of information in the United States and Japan based on the information disclosure system,this paper proposes a scheme to promote the recognition of suspicious transactions through the establishment of risk information disclosure standards.Based on the relevant theories and practices at home and abroad,this paper puts forward the assumption of the construction risk information disclosure standard,and the impact of the risk information identification and modeling on the suspicious transaction identification and modeling of third-party payment institutions is analyzed through empirical analysis.The program proposed in this paper provides a practical reference for improving the overall performance of the industry.