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Cash-out detection method and apparatus

A detection method and a detection result technology, which are applied in the field of credit card finance, can solve problems such as difficulty in detection, and achieve the effects of ensuring accuracy, improving accuracy, and testing results are reasonable and credible

Active Publication Date: 2018-01-05
CHINA UNIONPAY
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  • Abstract
  • Description
  • Claims
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Problems solved by technology

[0005] Embodiments of the present invention provide a cash-out detection method and device to solve the problem in the prior art that the targets of cash-out detection are mostly concentrated at the transaction level, resulting in difficult detection

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  • Cash-out detection method and apparatus

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Embodiment Construction

[0058] In order to make the purpose, technical solutions and advantages of the present invention clearer, the present invention will be further described in detail below in conjunction with the accompanying drawings. Obviously, the described embodiments are only some of the embodiments of the present invention, rather than all of them. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present invention.

[0059] figure 1 It exemplarily shows a schematic flowchart of a cash-out detection method provided by an embodiment of the present invention, including the following steps:

[0060] Step 101, acquire attribute information and transaction record information of the merchant to be tested; the attribute information includes the merchant type of the merchant to be tested.

[0061] Step 102, according to the merchant type of the merchant to ...

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Abstract

The invention relates to the field of credit card finance, in particular to a cash-out detection method and apparatus. The method comprises the steps of obtaining attribute information and transactionrecord information of a to-be-detected merchant, wherein the attribute information comprises a merchant type of the to-be-detected merchant; then according to the merchant type of the to-be-detectedmerchant, determining a normal sample merchant with the same merchant type as the to-be-detected merchant in a preset database and obtaining attribute information and transaction record information ofthe determined normal sample merchant; and finally, according to the attribute information and the transaction record information of the to-be-detected merchant and the normal sample merchant, detecting whether the to-be-detected merchant is a cash-out merchant or not. The cash-out detection is performed from a merchant dimension, so that the detection method is more scientific and effective.

Description

technical field [0001] The invention relates to the field of credit card finance, in particular to a cash detection method and device. Background technique [0002] With the rapid development of the global economy, people's consumption level is also constantly improving. As a financial product, credit cards have the advantages of convenience, fast consumption, and installment payment. More and more people choose to use credit cards. However, credit cards also have some security risks, such as credit card cashing out. Credit card cashing refers to the behavior that the cardholder withdraws the funds in the credit limit of the card in the form of cash without paying the bank's cash withdrawal fee by other means instead of withdrawing cash through normal legal procedures. Cashing out of credit cards will increase financial risks, and without taking advantage of the stability of the financial order, it will bring great risks to the safety of bank funds. In order to avoid this ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/20G06Q40/02
Inventor 胡一非赵金涛邱雪涛
Owner CHINA UNIONPAY
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