Anti-fraud payment verification method and system
A verification method and payment risk technology, which is applied in the field of anti-fraud payment verification method and verification system, can solve the problem of inability to rule out that the user's payment account has been stolen, the user's payment terminal has been stolen, the user's economic loss, and it is difficult to accurately judge and answer calls Whether the user is the user himself or not, to achieve the effect of enriching fraud risk verification
Active Publication Date: 2017-04-05
流量海科技成都有限公司
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Problems solved by technology
[0007] ③ When the call verification is used for verification, it is also difficult to accurately determine whether the person answering the call is the user himself;
[0008] ④ When the call verification is used for verification, it is also difficult to accurately determine whether the terminal receiving and making the verification call is the terminal used by the user himself
[0009] Therefore, there are still certain defects in online payment at present. The existing payment verification cannot eliminate the situation that the user's payment account is stolen, the user's payment terminal is stolen, and others use other mobile terminals or simulators to perform payment operations, etc., which will inevitably cause users Economic losses
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[0035] All features disclosed in this specification, or steps in all methods or processes disclosed, may be combined in any manner, except for mutually exclusive features and / or steps.
[0036] Any feature disclosed in this specification (including any appended claims, abstract), unless otherwise stated, may be replaced by alternative features that are equivalent or serve a similar purpose. That is, unless expressly stated otherwise, each feature is one example only of a series of equivalent or similar features.
[0037] (1) A verification method for anti-fraud payment
[0038] Such as figure 1 as shown, figure 1 Describes a verification method for anti-fraud payment, using cross-payment industry data such as communication data and TravelSky data to realize cross-industry anti-fraud verification, such as verifying the geographical location through the use status of the phone number and TravelSky data and other modes to detect whether there is a risk of fraud during phone ve...
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The present invention discloses an anti-fraud payment verification method and system. The method comprises the steps of after receiving a user verification request sent out by a payment platform, analyzing the user verification request, wherein the user verification request comprises the to-be-verified data of a target user, and the to-be-verified data at least comprises a telephone number of the target user; according to the telephone number of the target user, sending a user query request to a cross-payment industry platform, and querying the verification parameters relevant with the to-be-verified data in a cross-payment industry database; receiving the cross-industry data composed by the plurality of verification parameters and fed back by the cross-payment industry platform; processing the plurality of verification parameters via a payment risk detection model, determining the payment risks corresponding to the to-be-verified data, and outputting the payment risk determination results to the payment platform. According to the present invention, the cross-industry anti-fraud verification is realized, and the on-line payment behaviors at the telephone verification are verified whether to have the fraud payment risks based on the cross-industry data.
Description
technical field [0001] The invention relates to the field of online payment safety verification, in particular to a verification method and verification system for anti-fraud payment during online payment. Background technique [0002] In recent years, e-commerce has gradually become the main trend of the development of the Internet economy. Online shopping and online payment have been accepted by the public and gradually become a way of our life. One of the key links of e-commerce is the payment and settlement system, and online payment is the most ideal payment scheme for e-commerce. [0003] Currently, online payment methods include bank card payment methods based on bank payment platforms and third-party payment methods based on third-party payment platforms. Among them, third-party payment refers to the credit enhancement provided by third-party enterprises with strength and reputation guarantee and major banks at home and abroad to provide credit enhancement for buyer...
Claims
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IPC IPC(8): G06Q20/40
CPCG06Q20/4014
Inventor 龙成王婷高峰刘宇翔
Owner 流量海科技成都有限公司