System for risk control over online payment

Abstract

The invention discloses a system for risk control over online payment. An electronic commerce website is subjected to data connection with an online payment gateway through the system; the system comprises a data receiving port, a risk pattern identifying and automatic screening module, a risk control core module, a payment processing module, a data synchronizing port and an RPC (Remote Procedure Call) server side and is used for finishing the payment risk control and online payment flow. After a user order is generated, the system can be used for automatically analyzing and distinguishing the user order and then determining whether the user order belongs to high-risk orders, suspicious orders or trust orders by integrating various elements. Aiming at credit-card fraud, order cancel and the like in the current electronic commerce transaction process, particularly in the foreign trade B2C (Business to Customer) industry, the risk control system disclosed by the invention establishes an identification model, can carry out automatic identification and screening and can be used for effectively controlling the online payment so as to reduce the collection risk of online payment.

Description

technical field [0001] The invention relates to network information verification, which is used for online payment risk control of e-commerce websites, and is a system for online payment risk control. Background technique [0002] With the prosperity and development of online e-commerce, especially for online retail B2C merchants, the risk of payment fraud is also increasing. Some fraudsters are very computer-savvy and create sophisticated and convincing frauds to obtain credit card information. For example, use fake emails and phishing to fake emails or phone calls from banks or suppliers to obtain account and password information. These fraudulent methods are various under their ingenious disguise, from the simplest to the most complex deceptions, making it difficult to distinguish the true from the false, and eventually they are deceived. Sometimes a large number (sometimes tens of thousands) of people have become victims through Trojan horse programs and URL grafting. ...

AI Technical Summary

Problems solved by technology

[0004] The problem to be solved by the present invention is: in the online payment of the existing e-commerce website, there is no effective network payment monitoring, and the possible false information cannot be identified, and the security and reliability of the network payment are at risk

Images