A payment system and payment method

A payment system and payment information technology, applied in the field of communications, can solve problems such as increasing system overhead, reducing user payment experience, and failing to identify transaction risks.

Active Publication Date: 2021-09-14
CHINA UNIONPAY
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  • Abstract
  • Description
  • Claims
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AI Technical Summary

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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  • A payment system and payment method
  • A payment system and payment method
  • A 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 present invention relates to a payment system and a payment method. The payment system has: a database; a characteristic calculation module, which is used to count the specified characteristics of the user based on the user's transaction data provided by the database; a label establishment module, which is used to establish a corresponding user label according to the specified characteristics of the user; a fusion calculation module, which uses It converts the user tag into a tag code string and forms the payment information together with the tag code string and the user account; the transaction detection module converts the current transaction tag code and the tag code string obtained by digitizing the information related to the current transaction behavior Match and output the matching result; and the background transaction system, in the case of the specified matching result, completes the payment transaction or issues a risk warning based on the user account information. According to the present invention, the security of payment can be improved, and the user's payment habit can also be obtained by using a mobile terminal or a financial institution.

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 Patents(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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