Inter-connected merchant risk management and control method and system

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...

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 prevention and control, and it is impossible to make forward-looking judgments before large-scale risk outbreaks

[0003] In short, ISV is limited by the cost of risk control, generally has the characteristics of low timeliness, small coverage, and passive identification

It is only possible to locate problematic merchants through feedback and extreme public opinion within a period of time, but it is not possible to clear and manage merchants with outbreak risks in real time through means of data intelligence

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