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Method and device for assessing payment risk

A payment risk and evaluation unit technology, applied in the computer field, can solve problems such as fund loss, deduction failure, merchant deduction request failure, etc., to achieve the effect of accurate payment risk and avoiding fund loss

Active Publication Date: 2018-06-08
SHANGHAI FENGBAO INFORMATION TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

And when the merchant requests money from the e-wallet platform, the deduction will fail, resulting in a loss of funds
There are also some fraudsters who delete the withholding agreement and cancel the account after the order is successfully placed, which also makes the merchant's deduction request fail, resulting in financial loss

Method used

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  • Method and device for assessing payment risk
  • Method and device for assessing payment risk
  • Method and device for assessing payment risk

Examples

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Embodiment approach

[0048] According to an implementation manner, the current status information includes a current fund status, and the current fund status includes a request amount corresponding to the user's order request, and a current payment upper limit of each fund channel associated with the user account. Correspondingly, obtaining the current state information of the user account in step S222 includes obtaining the request amount corresponding to the order request and obtaining the current payment upper limit of each fund channel.

[0049] In one embodiment, the requested amount corresponding to the order request is a certain amount when the user places the order, for example, the user places an order to purchase a specific virtual commodity. Correspondingly, the service provider can include the requested amount in the evaluation request sent. In this case, in step S222, the requested amount can be directly extracted from the evaluation request. In another embodiment, the request amount...

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Abstract

The embodiment of the invention provides a method and device for assessing the payment risk. The method comprises the steps of: receiving an assessing request which is sent by a service party in response to an ordering request of a user and used for requesting to assess the payment risk of a user account; obtaining basic assessment information determined according to account information of the user account, wherein the account information comprises historical information and current state information of the user account; obtaining operating records of the user account aiming at the service party and determining customized assessing information aiming at the service party according to the operating record, wherein the operating records comprise protocol operating records aiming at a withholding protocol associated with the service party and / or payment records of the user account and the service party; and determining the payment risk of the user account according to the basic assessinginformation and the customized assessing information. The device is corresponding to the method. Through the method and the device, the payment risk can be more effectively assessed.

Description

technical field [0001] One or more embodiments of this specification relate to the field of computer technology, and in particular to a method and device for determining payment risk. Background technique [0002] With the development of Internet technology, people are increasingly using various web-based services, and are also increasingly using mobile payment means for payment, such as various electronic wallets. In order to improve the user experience, some merchants based on network services have also launched the service of first enjoy later. In the scenario of pay first, the user needs to bind the third-party e-wallet account with the merchant account and sign a withholding agreement. When a user purchases a product or service from a merchant, he only needs to place an order to obtain the desired product or service, and the merchant will directly initiate a deduction to the third-party e-wallet after the user receives the product or service Requests and accounting fo...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/40G06Q20/36
CPCG06Q20/367G06Q20/4016
Inventor 王骏
Owner SHANGHAI FENGBAO INFORMATION TECH CO LTD
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