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Post-payment transaction data processing method and device, processing apparatus, and server

A transaction data and processing device technology, which is applied in the field of post-paid transaction data processing methods and devices, can solve problems such as deduction failure, information incompatibility, and inability to determine the amount of purchased goods, so as to improve accuracy and precision and reduce risks. , the effect of reducing the loss of funds

Active Publication Date: 2019-01-11
ADVANCED NEW TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] Since the user may have many funding channels in the e-wallet, the information between the e-wallet and the merchant cannot be exchanged. Under the mode of enjoy first, the merchant cannot be sure whether all the funding channels in the user's e-wallet can pay for the purchase of goods the amount of
Fraudsters may use e-wallet accounts with no money or relatively little money to purchase services or goods at merchants who pay first, and when merchants request deduction from the e-wallet platform, deduction failures may occur

Method used

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  • Post-payment transaction data processing method and device, processing apparatus, and server
  • Post-payment transaction data processing method and device, processing apparatus, and server
  • Post-payment transaction data processing method and device, processing apparatus, and server

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Embodiment Construction

[0084] In order to enable those skilled in the art to better understand the technical solutions in this specification, the technical solutions in the embodiments of this specification will be clearly and completely described below in conjunction with the drawings in the embodiments of this specification. Obviously, the described The embodiments are only some of the embodiments in this specification, not all of them. Based on the embodiments in this specification, all other embodiments obtained by persons of ordinary skill in the art without creative efforts shall fall within the protection scope of this specification.

[0085] More and more merchants will provide the first-come-first-served service. When using the first-come-first-served service, usually the merchant will access a third-party e-wallet as one of the payment methods. In order to improve the user's shopping and payment experience, users, merchants, and e-wallets will sign a secret-free withholding agreement, allo...

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Abstract

The present specification provides a post-payment transaction data processing method and device, a processing apparatus, and a server. The method comprises the following steps of: receiving risk inquiry information, wherein the risk inquiry information comprises a transaction amount and a transaction user identification; obtaining a payment channel corresponding to the transaction user identification according to the transaction user identification; determining a payable forecast value of the payment channel for the transaction amount based on the payment channel and the transaction amount; according to the payable forecast value, determining the default evaluation result of the post-payment transaction. As that embodiment in the specification are utilized, the accuracy and accuracy of default prediction of the post-payment transaction are improved, the reliability of risk prevention and control of the post-payment transaction is improved, the risk of the post-payment transaction is reduced, the fund los of the post-payment transaction is reduced, and the user experience of the post-payment transaction is improved.

Description

technical field [0001] This specification belongs to the technical field of risk prevention and control, and in particular relates to a postpaid transaction data processing method and device. Background technique [0002] With the development of science and technology, more and more users use e-wallets for pay-after-payment transactions. Merchants can collect money through third-party e-wallets after activating the pay-after-pay service. [0003] Since the user may have many funding channels in the e-wallet, the information between the e-wallet and the merchant cannot be exchanged. Under the mode of enjoy first, the merchant cannot be sure whether all the funding channels in the user's e-wallet can pay for the purchase of goods amount. Fraudsters may use e-wallet accounts with no money or relatively little money to purchase services or goods at merchants who pay first, and when merchants request deduction from the e-wallet platform, the deduction may fail. Contents of the...

Claims

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Application Information

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IPC IPC(8): G06Q20/24G06Q20/40
CPCG06Q20/24G06Q20/405G06Q40/12G06Q30/0201G06Q40/02G06N20/00G06Q20/4037G06Q20/4016G06Q20/4014G06N5/01G06N7/01G06Q20/3678
Inventor 王骏
Owner ADVANCED NEW TECH CO LTD
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