Installment payment risk control checking method and system

Abstract

The invention discloses an installment payment risk control checking method. The method comprises steps: S1, a goods two-dimensional code scanned by a user side is recognized to acquire a goods order,wherein the goods two-dimensional code is generated according to the goods information selected by a merchant side and the installment receivable information; S2, an installment payment request sentby the user side according to the goods order is received, and according to the installment payment request, anti-fraud query is carried out on the user information of the user side; S3, after passingthe anti-fraud query, the goods order and the user information are subjected to telephone checking, order checking and bank reference checking; and S4, after passing the checking, the goods order issent to the bank for being checked, and after passing the bank checking, installment payment for the goods order is realized. Correspondingly, the invention also discloses an installment payment riskcontrol checking system. by adopting the embodiment of the invention, the trading risks of the installment payment can be effectively reduced.

Description

technical field [0001] The present invention relates to the field of information technology, in particular to an installment payment risk control audit method and system. Background technique [0002] With the popularization of the mobile Internet, consumer finance breaks through time and geographical constraints, and is constantly bringing value to the vast number of borrowers and investors across the country. At present, creating a new environment for consumer demand through supply innovation will further stimulate residents' consumption, expand domestic demand, better meet residents' consumption needs, and improve people's quality of life. Electronic payment transaction is an indispensable part of large-scale e-commerce website system. It mainly uses electronic information network, uses safe means of information transmission, and uses digital methods to carry out currency payment and capital flow between electronic accounts. [0003] The current e-commerce websites gener...

AI Technical Summary

Problems solved by technology

However, maliciously forged or stolen real credit card information and account certificate information will invalidate the security verification mechanism in the existing electronic transaction mode

Once such a situation occurs, merchants often need to bear serious economic losses

However, the security measures of financial institutions generally lag behind, and the aftermath work also requires merchants to invest a lot of manpower and time costs, which has a negative impact on corporate profits

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