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A method and system for payment risk control

A risk control and risk technology, applied in the field of Internet applications, can solve problems such as account theft and failure to deduct funds, and achieve the effect of improving security

Inactive Publication Date: 2018-12-28
ALIBABA GRP HLDG LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

However, for users and payment institutions, there may be risks such as misappropriation of accounts and failure to deduct funds.

Method used

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  • A method and system for payment risk control
  • A method and system for payment risk control
  • A method and system for payment risk control

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Embodiment Construction

[0047] In order for those skilled in the art to better understand the technical solutions in the embodiments of this specification, the technical solutions in the embodiments of this specification will be described in detail below in conjunction with the drawings in the embodiments of this specification. Obviously, the described implementation Examples are only some of the embodiments in this specification, not all of them. All other embodiments obtained by persons of ordinary skill in the art based on the embodiments in this specification shall fall within the scope of protection.

[0048] In the embodiment of this specification, the payment risk control process for the scenario of electronic payment of public transport fares involves the application side and the risk control side.

[0049] The application side is deployed on mobile terminal devices, such as the user's smart phone, tablet computer, and other mobile terminal devices that can install applications, and the appli...

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Abstract

A method and system for payment risk control are disclosed. A method for controlling payment risk includes steps: generating a payment graphic code generation request carrying preset risk control features and sending the request to the wind control side after the application side receives the trigger of payment operation in and out of the station, and transmitting the request to the wind control side; after receiving the payment graphic code generation request sent by the application side, the wind control side obtaining the historical wind control characteristics of the account number storedin advance according to the payment account number characteristics in the request; the wind control side detecting whether the transaction risk exists on the application side by comparing the read historical wind control characteristics with the wind control characteristics carried in the request, and returning the wind control detection result to the application side; after the application side receiving the result returned by the wind control side that there is no transaction risk, the payment graphic code being generated and displayed.

Description

technical field [0001] The embodiments of this specification relate to the technical field of Internet applications, and in particular to a payment risk control method and system. Background technique [0002] With the development of smart terminals and the popularization of network applications, users can realize various payment operations through the application clients with payment functions installed on the terminals. The client pays for the transportation. However, for users and payment institutions, there may be risks such as misappropriation of accounts and failure to deduct funds. [0003] Based on the existing technology, there is a need for a payment risk control solution for the electronic payment of public transportation fees. Contents of the invention [0004] In view of the above technical problems, the embodiment of this specification provides a payment risk control method and system, the technical solution is as follows: [0005] According to the first a...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/40G06Q20/38
CPCG06Q20/382G06Q20/401G06Q20/4016G06Q20/3274G06Q20/3224H04W12/77G06Q20/3276G06Q20/3278
Inventor 周雪东
Owner ALIBABA GRP HLDG LTD
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