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Transaction processing method and transaction processing device

A transaction processing and transaction technology, applied in the computer field, can solve the problems of insufficient utilization of payment bank information and logistics receiving point information, etc.

Inactive Publication Date: 2020-04-10
ALIPAY (HANGZHOU) INFORMATION TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] The embodiment of this specification provides a transaction processing method and a transaction processing device, aiming to solve the problem of insufficient utilization of payment bank information and logistics receiving point information involved in transactions in existing solutions

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  • Transaction processing method and transaction processing device
  • Transaction processing method and transaction processing device

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Embodiment Construction

[0036] In order to make the purpose, technical solution and advantages of this specification clearer, the technical solution of this specification will be clearly and completely described below in conjunction with specific embodiments of this specification and corresponding drawings. Apparently, the described 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 fall within the protection scope of this specification.

[0037] For the situation that more and more users choose to shop online through the e-commerce platform stated in the background technology section, for example, when choosing to use an international e-commerce platform, users can use bank cards issued by various banks in various countries around the world to Payment in different locations, that is, logistics to all parts of the world. How...

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Abstract

The embodiment of the invention discloses a transaction processing method and a transaction processing device. The transaction processing method comprises the steps that: the transaction information of a target transaction is obtained, wherein the transaction information comprises payment bank information and logistics receiving point information; the first risk level of the target transaction isdetermined based on the corresponding area coverage rate of the payment bank information in a historical transaction and the corresponding payment coverage rate of the logistics receiving point information in the historical transaction; if the first risk level is greater than a preset risk level, the second risk level of the target transaction is determined based on a payment bank position in thepayment bank information and a logistics receiving point position in the logistics receiving point information; and risk control processing matched with the second risk level is performed on the target transaction.

Description

technical field [0001] This specification relates to the field of computer technology, in particular to a transaction processing method and a transaction processing device. Background technique [0002] With the vigorous development of Internet technology, more and more users choose to shop online through e-commerce platforms, which brings great convenience to users' lives. Among them, when the user uses bank cards issued by different card issuing banks to make payment, the logistics will be delivered to different locations. [0003] Different payment banks, in different transaction scenarios, when the logistics go to different locations, the corresponding risk characteristics will have some obvious differences, that is to say, the payment bank and the logistics receiving point appearing in the same transaction as a conflicting pair, It will have a certain impact on the risk level of the transaction. [0004] Therefore, there is a need for a solution that can make full use...

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/40
CPCG06Q20/4016
Inventor 邓乐葳
Owner ALIPAY (HANGZHOU) INFORMATION TECH CO LTD