Data processing method and payment platform

A payment platform and data processing technology, applied in the field of communications, can solve the problems of fraudulently obtaining credit by falsifying data, difficult, and many restrictions.

Inactive Publication Date: 2015-05-13
TENCENT TECH (SHENZHEN) CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] However, the network environment has advantages over the offline real world in terms of convenience for users' lives, but because the online network environment is a virtual world after all, it is difficult to evaluate users' credit status in a real and accurate manner. The existing technology is to use the user's own assets and behavior data to evaluate the user's credit situation. In order to be closer to reality and accuracy, a large amount of user data is required, and it can only be used when a large amount of user data is mined and analyzed. , the existing evaluation schemes using the user's own assets and behavior data are more restrictive, and it is also easy to forge data in an attempt to defraud credit
[0006] To sum up, the problem existing in the existing technology is: in the process of data mining and analysis processing, it is difficult to evaluate the loan amount due to the difficulty in evaluating the user's credit status in the network environment, so that it is impossible to use various payment platforms to provide life services. Quick payment service, providing users with cash loans with the best loan amount
[0007] In related technologies, there is no effective solution to this problem

Method used

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  • Data processing method and payment platform
  • Data processing method and payment platform

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0100] The embodiment of the present invention provides a data processing method, such as figure 1 As shown, the method is applied to the payment platform, and the method includes:

[0101] Step 101. Receive a first request from a first user, where the first request is generated based on a first payment required by the first user.

[0102] Here, the first user can refer to a user who applies for a loan, including two situations. 1) One is that the user needs to apply for a loan when the payment amount is not enough to participate in the actual transaction. 800 yuan, the debit card balance is not enough at this time, you need to apply for a loan to make up the difference of 800 yuan, the amount of the loan application is greater than or equal to 800 yuan; 2) The other is that the user also needs to apply when the user has nothing to do with the actual transaction For loans, for example, if you want to recharge your debit card or transfer money to other users, the transfer amou...

Embodiment approach 1

[0122] Step 201. Obtain a first data set f1 formed by mutual attention and / or interaction frequency between the associated user and the first user in at least one dimension.

[0123] Step 202. Detect whether the degree of mutual attention and / or interaction frequency in the first data set is higher than the preset first threshold, if yes, then satisfy the second preset condition, and execute step 203; otherwise, as an invalid user from the Deleted from the first data set f1 mentioned above.

[0124] Step 203: Determine associated users who meet the second preset condition as the valid users, update the first data set f1 to an updated data set f1', and the updated data set f1' is all valid users.

Embodiment approach 2

[0126] Step 301. Obtain a second data set f2 formed by the second credit value of the associated user. The second credit value is obtained according to the second behavior data of the associated user and the second cash flow record.

[0127] Step 302, detecting whether the second credit value in the second data set is higher than the preset second threshold value, if yes, satisfy the second preset condition, and execute step 303; otherwise, as an invalid user from the second Deleted from dataset f2.

[0128] Step 303: Determine the associated users satisfying the second preset condition as the valid users, update the second data set f2 to an updated data set f2', and the updated data set f2' is all valid users.

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PUM

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Abstract

The invention discloses a data processing method and a payment platform. The method is applied to the payment platform. The method comprises the steps of receiving a first request of a first user, wherein the first request is generated according to the first payment as the first user requirement; if that the first payment in the first request is unmatched with the second payment in the corresponding account of the first user is detected, generating a loan request of applying to the second user for loan according to the balance between the first payment and the second payment; extracting the first credit line according to the loan request; determining whether the first credit lint meets the first preset condition to obtain a determining result; extracting the first information of the validated user; obtaining the pre-adjusting limit of the first credit line according to the first credit value and/ or the first information; verifying whether the loan request is passed according to the pre-adjusting limit; sending the verified load request to the second user.

Description

technical field [0001] The invention relates to communication technology, in particular to a data processing method and a payment platform. Background technique [0002] In the process of implementing the technical solutions of the embodiments of the present application, the inventors of the present application at least found the following technical problems in the related art: [0003] With the advent of 2G / 3G, even the 4G era, and WIFI hotspots everywhere, it marks the advent of the era of big data. In theory, all daily behaviors of users can be built with the help of mobile data networks provided by major operators. And WIFI, a wireless local area network, realizes various data processing through Internet technology. [0004] Taking data processing in a user’s life scene as an example, users can use various payment platforms to conduct various transactions in life services, such as shopping, recharging water and electricity / gas / network / cable TV fees, recharging game coin...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06Q20/10G06Q20/24G06Q20/32G06Q20/40
Inventor 宋智刚
Owner TENCENT TECH (SHENZHEN) CO LTD
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