Payment system and payment method

A payment system and payment information technology, applied in the field of communication, can solve problems such as increased operating costs, difficult identification, and reduced user payment experience, so as to achieve the effect of improving security and preventing fraudulent use

Active Publication Date: 2018-03-13
CHINA UNIONPAY
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Problems solved by technology

[0004] On the other hand, in terms of risk prevention and control, the risk prevention and control strategy of the mobile application mainly for identity verification based on abnormal login behavior of users needs to increase the operating cost of users for diversified verification (such as dynamic verification codes) and reduce the user's payment experience. In addition, if the mobile application is hacked by fraudsters and brute force login, it is difficult to identify risky transactions such as fraudulent brushing, or designing complex encryption algorithms to enhance the credibility of the QR code increases system overhead, and there is no fundamental Identify trading risks

Method used

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  • Payment system and payment method
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Embodiment Construction

[0047] Introduced below are some of the various embodiments of the invention, intended to provide a basic understanding of the invention. It is not intended to identify key or critical elements of the invention or to delineate the scope of protection.

[0048] figure 1 is a schematic configuration diagram showing the payment system according to the first embodiment of the present invention.

[0049] Such as figure 1 As shown, the payment system according to the first embodiment of the present invention includes: a database 10 , a feature calculation module 20 , a tag creation module 30 , a fusion calculation module 40 , a transaction detection module 50 and a background transaction system 60 .

[0050] The database 10 is used to store transaction data of a large number of users. The characteristic calculation module 20 is used for calculating the specified characteristics of the user based on the transaction data of the user provided by the database 10 . The label creation...

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Abstract

The invention relates to a payment system and a payment method. The payment system is provided with: a database; a feature calculation module, which is used for counting prescribed features of a useron the basis of transaction data which is of the user and provided by the database; a label establishment module, which is used for establishing corresponding user labels according to the prescribed features of the user; a fusion calculation module, which is used for converting the user labels into a label code string, and using the label code string and a user account together to constitute payment information; a transaction detection module, which matches a current transaction label code, which is obtained by carrying out label digitization calculation on information related to a current transaction behavior, with the label code string, and outputs a matching result; and a background transaction system, which completes a payment transaction or issues early risk warning on the basis of user account information in a case of a prescribed matching result. According to the system, security performance of payment can be improved, and operations of acquiring payment habits of the user by amobile terminal or a financial institution can also be facilitated.

Description

technical field [0001] The present invention relates to communication technology, and more specifically to a payment system and payment method capable of labeling user consumption behavior. Background technique [0002] With the development of communication technology, various payment methods have emerged. [0003] In the existing payment methods, generally by inputting a verification code, or a user password or a dynamic verification code, etc., it is verified whether the consumption is a genuine consumption approved by the customer. [0004] On the other hand, in terms of risk prevention and control, the risk prevention and control strategy of the mobile application mainly for identity verification based on abnormal login behavior of users needs to increase the operating cost of users for diversified verification (such as dynamic verification codes) and reduce the user's payment experience. In addition, if the mobile application is hacked by fraudsters and brute force log...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/38
CPCG06Q20/382
Inventor 胡奕邱雪涛赵金涛李旭瑞
Owner CHINA UNIONPAY
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