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Method and system for reducing offline payment risks

An offline payment and risk technology, applied in the payment system, payment system structure, equipment, etc., can solve the problems of the payee's economic loss, offline approval of the collection equipment, and risks that cannot be discovered by the background in time, so as to protect interests, The effect of improving safety and reliability

Active Publication Date: 2021-01-15
ZHONGCHAO CREDIT CARD IND DEV
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Problems solved by technology

[0013] The present invention provides a method and system for reducing the risk of offline payment, so as to overcome the possible risks that may occur when the collection device is offline, which cannot be discovered by the background in time, so that the collection device is approved offline, resulting in economic losses for the payee The problem

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  • Method and system for reducing offline payment risks
  • Method and system for reducing offline payment risks
  • Method and system for reducing offline payment risks

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Embodiment Construction

[0066]The preferred embodiments of the present invention will be described in detail below with reference to the accompanying drawings. It should be understood that the preferred embodiments described below are only used to illustrate and explain the present invention, and are not used to limit the present invention.

[0067]figure 2 It is a schematic diagram of the process of reducing offline payment risk provided by the present invention, such asfigure 2 As shown, the method may include:

[0068]Step 1: The business backend sends the data used for edge analysis to the edge device;

[0069]Step 2: When the collection device is in an offline transaction state, the collection device sends transaction information between the collection device and the payment device of the payer to the edge device;

[0070]Step 3: The edge device performs an edge assessment on offline payment risks according to the data used for edge analysis and the transaction information, obtains an edge assessment result, and ...

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Abstract

The invention discloses a method and system for reducing an offline payment risk, and relates to the field of financial payment, and the method comprises the steps that a business background transmitsdata for edge analysis to edge equipment; when the collection equipment is in an offline transaction state, the collection equipment sends transaction information between the collection equipment andpayment equipment of a payer to the edge equipment; the edge device performs edge evaluation on an offline payment risk according to the data for edge analysis and the transaction information to obtain an edge evaluation result, and sends the edge evaluation result to the collection device; and the collection equipment performs collection equipment behavior analysis according to the edge evaluation result and the collection core stage processing result to obtain an offline approval or offline rejection analysis result, thereby improving the security and credibility of the collection equipmentduring offline transaction.

Description

Technical field[0001]The present invention relates to the field of financial payment, in particular to a method and system for reducing offline payment risk.Background technique[0002]The transaction process between the receiving device and the payment device mainly includes 9 processing stages, such asfigure 1 As shown, they are application selection, processing option acquisition, payment device data reading, offline data authentication, processing restriction, payment device holder authentication, payment device risk management, payment device behavior analysis, and payment device behavior analysis. In the above processing stage, the behavior analysis of the collection device is based on the results of offline data authentication, processing restrictions, payment device holder authentication, and collection device risk management, combined with the behavior code preset in the collection device and payment device in advance , According to a certain rule, conduct behavior analysis a...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/38G06Q20/40
CPCG06Q20/382G06Q20/4016G06Q20/4014
Inventor 陈海波汪小八陈艺文王靖国范贵甫李宏杨向军王玉忠唐守勤张伟拱慧璇
Owner ZHONGCHAO CREDIT CARD IND DEV
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