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Risk control method and device, electronic equipment and storage medium

A risk control and risk control technology, applied in the information field, can solve problems such as payment account leakage, electronic payment being stolen, etc., and achieve the effect of ensuring security

Pending Publication Date: 2020-08-04
CHINA MOBILE COMM LTD RES INST +1
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, in the existing technology, electronic payment still has problems such as a relatively high proportion of being stolen, payment account leakage, etc.

Method used

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  • Risk control method and device, electronic equipment and storage medium
  • Risk control method and device, electronic equipment and storage medium
  • Risk control method and device, electronic equipment and storage medium

Examples

Experimental program
Comparison scheme
Effect test

example 1

[0188] Figure 6 Shown is a terminal device that performs NFC-based electronic payment through a POS machine or a gate; the mobile terminal interacts with the POS machine or gate for NFC payment information, initiates payment and confirms the payment, and the POS machine and the gate complete the payment information interaction Afterwards, the POS machine or gate will trigger the payment platform (for example, the banking system or various online payment platforms) to make payment to the corresponding business platform, and complete the electronic payment process. Taking bus payment as an example, mobile terminals use mobile phones to make electronic payments based on NFC. After the POS machine or gate machine completes the payment, it will post the corresponding amount in the bus stored-value card to the bus financial system, or trigger Alipay or WeChat, etc. The third-party payment platform will post the corresponding amount to the bus financial system to complete the electr...

example 2

[0202] This example provides a risk control method, which can be applied to the risk control system provided in Example 1. Including but not limited to the following steps:

[0203] The location information module obtains and stores terminal location information in real time;

[0204] The main control module collects location information according to requirements;

[0205] The main control module processes the position information, and judges the positioning state S in the position information, if Mark the terminal as invalid for positioning, otherwise it is valid; for example, Count(S all ) times the positioning of the current position; through processing such as screening of outliers, it is determined that the effective positioning has Count(S invalid ), calculate Count(S invalid ) and Count(S all ), if the ratio is less than or equal to the effective ratio, it may be considered that the current positioning is invalid, and the next round of positioning needs to be init...

example 3

[0224] This example provides a method of risk control, such as Figure 8 shown, including:

[0225] 1: The location information module of the terminal, which can obtain the location information of the terminal in real time;

[0226] 2: The terminal uses the interaction between the main control module and the location information module to realize location information collection;

[0227] 3: The terminal performs preliminary processing of location information, for example, judging whether the current location information is valid, that is, judging whether the current location can be accurately indicated;

[0228] 4: The main control module of the terminal sends the effective location information to the risk control platform of the risk control platform;

[0229] 5: The risk control platform of the risk control platform calculates the location information and obtains the device fingerprint of the mobile phone;

[0230] 6: Terminal risk calculation (for example, determine the ...

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PUM

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Abstract

The embodiment of the invention provides a risk control method and device, electronic equipment and a storage medium. The method comprises the following steps: positioning the current position of a terminal; obtaining a risk control strategy generated based on the risk level corresponding to the current position; and according to the risk control strategy, controlling the terminal to use electronic payment of near field communication NFC.

Description

technical field [0001] The present invention relates to the field of information technology, in particular to a risk control method and device, electronic equipment and a storage medium. Background technique [0002] With the development and application of technology, electronic payment is becoming more and more common. Electronic payment can be divided into online payment and offline payment according to whether there is information interaction with the network side during the payment process. However, in the prior art, electronic payment still has problems such as a relatively high proportion of being stolen, payment account leakage, and the like. Therefore, how to control the risk of electronic payment is a technical problem that needs to be further solved. Contents of the invention [0003] In view of this, the embodiments of the present invention expect to provide a risk control method and device, electronic equipment, and a storage medium. [0004] Technical scheme...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/32G06Q20/38
CPCG06Q20/3278G06Q20/3224G06Q20/3229G06Q20/382
Inventor 葛欣刘婧雯
Owner CHINA MOBILE COMM LTD RES INST
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