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Mobile interaction payment risk control method and system

A risk control, mobile internet technology, applied in payment system, payment system structure, point-of-sale network system, etc., can solve the problem of low network access threshold, reduce transaction risk, ensure mobile internet security payment, and improve user experience.

Inactive Publication Date: 2014-01-22
SHENZHEN QIANHE INFORMATION TECH
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] At present, most of the mobile Internet payment terminals on the market are mobile, and the entry threshold is low, and they are all electronic purchase orders, which is easy for criminals to take advantage of. In the rapidly developing field of mobile Internet payment, it is even more necessary to be safe and secure. Risk Control, Risk Prevention

Method used

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  • Mobile interaction payment risk control method and system
  • Mobile interaction payment risk control method and system
  • Mobile interaction payment risk control method and system

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Embodiment Construction

[0014] In order to make the object, technical solution and advantages of the present invention clearer, the present invention will be further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described here are only used to explain the present invention, not to limit the present invention.

[0015] In order to illustrate the technical solutions of the present invention, specific examples are used below to illustrate.

[0016] The mobile Internet payment risk control method provided in this embodiment includes at least one of the following four methods:

[0017] The location-based service risk control method includes: setting a risk control model and collecting transaction geographic location information, when it is detected that the transaction geographic location does not meet the risk control model, blocking or suspending the transaction, and prompting risk control managers to handle...

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Abstract

The invention is applicable to the technical field of mobile interaction payment, and provides a mobile interaction payment risk control method and a mobile interaction payment risk control system. The method comprises at least one of the following four methods: a location service-based risk control method, a media-based service risk control method, a sociality-based service risk control method and an IMEI (International Mobile Equipment Identity) number-based risk control method, wherein the location service-based risk control method can acquire transaction geographic location information in transaction to perform transaction risk control; the media-based service risk control method can acquire media information of a user to prevent user transaction fraud; the sociality-based service risk control method can filter the transaction according to the risk level of the user to improve the user experience; the IMEI number-based risk control method can trace an operation party through an IMEI number to reduce the transaction risk; thus, the technical scheme can guarantee mobile interaction safe payment and reduce the transaction risk.

Description

technical field [0001] The invention belongs to the technical field of mobile internet payment, and in particular relates to a risk control method and system for mobile internet payment. Background technique [0002] Since May 2010, Square, an overseas mobile payment collection POS product, has developed rapidly. The development potential of Square has been highly valued by international bank card companies, among which VISA has invested in Square to set foot in innovative mobile payment business. At the same time, some domestic commercial banks, such as China Merchants Bank, are planning to launch similar products; Alipay, the leader in online payment, launched the BarcodePay product, which directly impacted the offline acquiring market. In view of this, UnionPay has made a comprehensive analysis and research on Square products, combined with China's financial acceptance environment, firstly guides the product to develop in the direction of personal payment products, and o...

Claims

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Application Information

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IPC IPC(8): G06Q20/42G06Q20/40
CPCG06Q20/20G06Q20/322G06Q20/3224G06Q20/4016
Inventor 胡德坤韩昌雷吴松
Owner SHENZHEN QIANHE INFORMATION TECH
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