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Network payment risk assessment method, device and server

A network payment and payment risk technology, applied in the payment system, payment system structure, instruments, etc., to achieve the effect of increasing the income/cost ratio and reducing the overall impact

Inactive Publication Date: 2018-12-21
ADVANCED NEW TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

But then, the security problems of Internet payment or network payment also arise

Method used

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  • Network payment risk assessment method, device and server
  • Network payment risk assessment method, device and server
  • Network payment risk assessment method, device and server

Examples

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Embodiment

[0020] Please refer to figure 1 , a schematic diagram of an application scenario of an embodiment involved in the technical solution of this specification. One or more users on the user side can use the terminal 10 to communicate with the server 20 on the network side, and the user uses the payment client 30 on the terminal 10 to realize payment behavior and generate payment behavior data. APP or website, etc., provide users with a transaction interface and provide payment behavior data to the network side for processing, and the server 20 on the network side can use the payment behavior data to be input into the set risk probability function device to output the payment risk concentration value , to conduct network payment risk assessment.

[0021] How to select the amount audit thresholds under different scores through quantitative methods instead of expert experience, it is difficult to achieve the optimal balance between cost and benefit, and output limited risk disturban...

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Abstract

The embodiment of the present specification provides a network payment risk assessment method. By calculating the payment risk concentration value from the user's network payment behavior data, the payment decision threshold curve based on different scores is determined to evaluate the risk of the user's network payment behavior, so as to release or disturb the transaction process in time, so as to achieve the optimal balance and reduce the overall impact of the disturbed object.

Description

technical field [0001] This specification relates to the technical field of network payment, in particular to a method, device and server for network payment risk assessment. Background technique [0002] With the development of Internet technology, more and more electronic devices appear in people's work and life, which facilitates people's daily life. These electronic devices provide users with convenient services through the Internet. In particular, there are more and more Internet payment scenarios and applications are becoming more common. But then, the security problems of Internet payment or network payment also arise. Due to the nature of the Internet itself, the online payment platform cannot completely compare the user identity of each online payment transaction in detail, that is, it needs to take into account the two attributes of payment security and payment convenience. Therefore, how to effectively control payment risks is an urgent problem to be solved. que...

Claims

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Application Information

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IPC IPC(8): G06Q10/06G06Q20/38
CPCG06Q10/0635G06Q20/382
Inventor 王宁赵华朱通
Owner ADVANCED NEW TECH CO LTD
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