Online payment anti-fraud method and system

Abstract

The invention proposes an online payment anti-fraud method and system, and the method comprises the steps: S1, obtaining the current payment data of the current online payment performed by a user; S2,carrying out the following discrimination and analysis of the current payment data: carrying out the black and gray list filtering, and obtaining a first analysis result; carrying out the decision-making discrimination based on the general payment features, and obtaining a second analysis result; carrying out the discrimination of the user's behavior based on the data, and obtaining a third analysis result; S3, integrating the first, second and third analysis results, judging whether the current payment data is untrusted transaction or trusted transaction, refusing the untrusted transaction,and allowing the trusted transaction. The system and method can achieve the prevention of transaction fraud behaviors more timely, and reduce the misjudgment.

Description

technical field [0001] The invention relates to the technical field of financial data processing, in particular to an online payment anti-fraud method and system. Background technique [0002] With the rapid development of Internet technology, Internet finance, which breaks the pattern of the traditional financial industry, emerged as the times require. Internet finance is based on modern information technology, combined with elements such as mobile payment, cloud computing, social network, search engine and big data mining, so that the financial industry presents a diversified development path. [0003] As the core of Internet finance, third-party Internet payment is an inevitable product of the development of financial activities in the network economy environment. It establishes an effective connection between merchants, consumers and banking institutions, provides guarantees for both parties involved in the transaction, and maintains the integrity of the transaction. Fa...

AI Technical Summary

Problems solved by technology

[0011] In this technical solution, if you do not use voice phone verification, but use other methods, such as SMS, the validity of user identity verification cannot be guaranteed.

[0012] Therefore, the core of this technical solution lies in the phone voiceprint recognition module, but verifying the user's identity through voice calls will cause inconvenience to the user in many occasions, such as in noisy environments and some occasions where it is not convenient to talk on the phone, etc.

In addition, in this technical solution, if the user fails to respond to the voice call verification in time, it will greatly affect the timeliness and accuracy of the transaction judgment, resulting in poor user experience

Images