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Electronic-payment transaction risk control method and system

An electronic payment and risk control technology, applied in the direction of buying and selling/leasing transactions, instruments, finance, etc., can solve the problems of unfavorable enterprises, improve the competitiveness of the industry, communication and maintenance costs, reduce risk losses and prevent risks. The effect of loss and cost reduction

Active Publication Date: 2013-09-04
携程旅游信息技术(上海)有限公司
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

In other words, the accuracy rate of risk scoring for a specific industry cannot be optimized; a stable model structure may not be able to meet the fast and flexible business changes of merchants, and the cost of communication and maintenance is high
[0009] Internationalized service quality corresponds to internationalized charging standards, and outsourced risk control business is not a small burden for domestic e-commerce companies with low profit margins, which is not conducive to companies' enhancement of industry competitiveness

Method used

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  • Electronic-payment transaction risk control method and system

Examples

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Effect test

Embodiment 1

[0043] Such as figure 1 As shown, the present invention also provides another electronic payment transaction risk control system, including a Web service interface and a Web service module.

[0044] The Web service interface is used to convert the format of the electronic payment transaction request to be reviewed by the client into corresponding transaction data according to the business type; judge whether the format conversion is successful, and if successful, obtain the parameters to be reviewed from the transaction data and Save it in the cache table, search the preset white list (in the trust list) according to the parameters to be audited, and if the parameters to be audited hit the white list, the electronic payment transaction request will be approved, if the feedback is low risk information; if the parameter to be audited does not hit the white list, search the preset blacklist (distrust list) according to the parameter to be audited, if the parameter to be audited h...

Embodiment 2

[0059] Such as Figure 6 As shown, the present invention provides a risk control method for electronic payment transactions, including:

[0060] Step S1, converting the format of the pending electronic payment transaction request of the client into corresponding transaction data according to the business type;

[0061] Step S2, judging whether the format conversion is successful, if successful, go to step S3, if not, go to step S8;

[0062] Step S3, obtain the parameters to be reviewed from the transaction data and save them in the cache table, search the preset white list according to the parameters to be reviewed, if the parameters to be reviewed hit the white list, go to step S4, If the parameter to be reviewed does not match the white list, go to step S5;

[0063]Step S4, reviewing and passing the electronic payment transaction request;

[0064] Step S5, search the preset blacklist according to the parameters to be reviewed, if the parameters to be reviewed hit the blac...

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Abstract

The invention provides an electronic-payment transaction risk control method and system. The method comprises the following steps: according to business types, converting the format of an electronic-payment transaction request to be audited of a client side to corresponding transaction data; obtaining parameters to be audited from the transaction data, and storing the parameters to be audited into a cache table; searching a preset white list according to the parameters to be audited, searching a preset black list according to the parameters to be audited, and obtaining related historical transaction data and a preset verification rule according to the parameters to be audited; according to the historical transaction data and the preset verification rule, judging whether the parameters to be audited conform to the verification rule or not; if yes, enabling the electronic-payment transaction request to pass the audit; and if not, refusing the electronic-payment transaction request. Under the premises that the cost investment is reduced and the confidential information of companies and users are not leaked, the loss of the companies on the aspect of electronic-payment transaction risks is reduced and prevented.

Description

technical field [0001] The invention relates to an electronic payment transaction risk control method and system. Background technique [0002] Electronic payment transactions are an integral part of large-scale e-commerce website systems. It mainly uses electronic information network, uses safe means of information transmission, and adopts digital method to carry out currency payment and capital flow between electronic accounts. It relies on advanced computer and network hardware, as well as e-commerce software in the field of electronic information technology as its main technical support. As the main guarantee mechanism for the security of electronic transactions, the risk control system mainly realizes relevant functions through the research of synchronous information collection in the field of electronic information technology; intelligent data modeling and analysis; automatic monitoring and other subdivisions. [0003] The current e-commerce websites generally have m...

Claims

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Application Information

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IPC IPC(8): G06Q30/06G06Q40/08
Inventor 齐乐徐竑
Owner 携程旅游信息技术(上海)有限公司
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