Risk transaction management and control method and device based on real-time data processing
A real-time data processing and transaction technology, applied in the field of online transaction risk management and control, can solve the problems that offline data processing methods are difficult to meet the requirements of timeliness, and merchants and transaction monitoring are difficult to achieve expected results, so as to reduce the success rate and improve the timeliness. performance, guaranteeing efficiency and accuracy
Pending Publication Date: 2020-11-13
银盛支付服务股份有限公司
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Problems solved by technology
However, for scenarios with a large transaction volume per unit time, the offline data processing method is difficult to meet the requirements in terms of timeliness, and it is difficult to achieve the expected results for the monitoring of merchants and transactions.
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[0030] The idea, specific structure and technical effects of the present invention will be clearly and completely described below in conjunction with the embodiments and accompanying drawings, so as to fully understand the purpose, features and effects of the present invention. Apparently, the described embodiments are only some of the embodiments of the present invention, rather than all of them. Based on the embodiments of the present invention, other embodiments obtained by those skilled in the art without creative efforts belong to The protection scope of the present invention. In addition, all the connection / connection relationships involved in the patent do not simply refer to the direct connection of components, but mean that a better connection structure can be formed by adding or reducing connection accessories according to specific implementation conditions. The various technical features in the invention can be combined interactively on the premise of not conflictin...
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The invention provides a risk transaction management and control method based on real-time data processing. A real-time data statistics method is adopted to perform statistical analysis on transactiondata of dimensions such as a merchant number and a transaction card number. A merchant number is taken as an example, wherein analysis and statistics are carried out on transaction data of merchantswithin one minute and one hour. According to the analysis and statistics result, in combination with the transaction compliance standard of the central bank, whether the transaction behavior of the merchant violates rules or not is judged, an effective judgment basis is provided for business personnel to manage and control the merchant and the transaction, the business personnel can discover the violation behavior of the merchant in the shortest time, and a corresponding management and control scheme is given. Real-time statistical analysis is performed on transaction information data by usinga program, so that the timeliness of data statistical analysis is improved on the premise of ensuring the efficiency and accuracy of data statistical analysis, and salesmen can control illegal merchants and transactions within the shortest time. Compared with an offline data processing method, the success rate of irregular transactions can be further reduced.
Description
technical field [0001] The invention relates to the field of risk management and control of online transactions, in particular to a risk transaction management and control method and device based on real-time data processing. Background technique [0002] In the context of the cashless era, transactions are extremely dependent on card swiping and code scanning payments, and the number of transactions of third-party payment companies has therefore exploded. Merchant fraud, illegal cash-out and other non-compliant merchant and transaction behaviors are unavoidable in massive transactions. Third-party payment companies have the responsibility and obligation to control such behaviors that are detrimental to the interests of the company and consumers, such as blocking the transaction before it is successful or issuing transaction warnings to high-risk merchants to reduce the losses of consumers and companies. [0003] At present, the monitoring of merchants and transactions is m...
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IPC IPC(8): G06F16/23G06F16/25G06F16/27G06Q20/40
CPCG06Q20/4016G06F16/23G06F16/254G06F16/27
Inventor 谢小威胡京定陈如珍何旺勇
Owner 银盛支付服务股份有限公司