Inter-connected merchant risk management and control method and system

A control system and risk technology, applied in the network and communication fields between computers, can solve problems such as low timeliness, inability to realize clearing and governance, and small coverage, so as to achieve the effect of improving accuracy and timeliness

Pending Publication Date: 2019-12-24
ADVANCED NEW TECH CO LTD
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

First of all, ISV’s risk control core technology infrastructure is low, and it cannot analyze, judge and identify transactions in real time; Digging and clustering all risk forms and modus operandi in the current ecology
Finally, there is a lack of behavioral data other than transaction funds (such as: equipment, activity areas, preferences, etc.), and it is impossible to integrate KYC (full name "KnowYourBusiness", meaning "SME data credit") knowledge points into the risks of indirect merchants pre

Method used

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  • Inter-connected merchant risk management and control method and system
  • Inter-connected merchant risk management and control method and system

Examples

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Example Embodiment

[0035] In the following description, many technical details are proposed for the reader to better understand this application. However, those of ordinary skill in the art can understand that even without these technical details and various changes and modifications based on the following embodiments, the technical solution claimed in this application can be realized.

[0036] The technical solution in this manual involves the use of technical means to solve the security problem of network transactions. Compared with traditional payment methods such as traditional cash transactions and bank transfers, online payment has obvious advantages in terms of efficiency and convenience. At the same time, how to effectively ensure the safety of users' funds in online payments is also a problem that payment institutions need to focus on. The problem of user fund security can theoretically be solved by manual audit. However, the network payment scenario has the characteristics of large busi...

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Abstract

The invention discloses an inter-connected merchant risk management and control method and an inter-connected merchant risk management and control system. The method comprises the steps that a first server, used for risk control recognition, of a third-party payment institution generates and sends a risk list accommodating at least one risk association merchant to a second server of an independentsoftware developer and a third server, used for risk control decision making, of the third-party payment institution; the second server clears the inter-connection merchants according to the risk list, and/or the second server reports the inter-connection merchants needing to be complained in the risk list to the third server; and the third server deletes the successfully complained inter-linkedmerchants from the risk list and cuts off payment of the inter-linked merchants in the currently effective risk list.

Description

technical field [0001] This specification relates to the technical field of network and communication between computers, and in particular to the realization of risk management and control of interlinked merchants through a computer network architecture composed of multiple servers. Background technique [0002] Indirect merchants refer to merchants that indirectly access the UnionPay UPOP system through the acquiring platform of the acquiring institution. The existing indirect merchants are ISVs (the full name in English is "Independent Software Vendors", which means "independent software developers") to contract and expand, and their risks are entirely dependent on the ISV's own risk control capabilities. Due to their business attributes, ISVs' capital investment is mainly biased towards profit expansion, and their risk control capabilities are generally weak. First of all, ISV’s risk control core technology infrastructure is low, and it cannot analyze, judge and identify...

Claims

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Application Information

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IPC IPC(8): G06Q10/06G06Q30/06
CPCG06Q10/0635G06Q30/0609
Inventor 刘雨馨
Owner ADVANCED NEW TECH CO LTD
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