Payment risk management method and related device

A payment risk and risk technology, applied in the computer field, can solve problems such as excessive dependence on information, affecting the accuracy of payment risk control, inaccurate scoring results, etc., to achieve the effect of improving accuracy, ensuring integrity and effectiveness

Pending Publication Date: 2022-02-18
TENPAY PAID TECH
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] However, the use of user information for management and control relies heavily on the user's own information. If any user information is missing or the submitted information is inaccurate, it will lead to inaccurate scoring results, which will affect the accuracy of risk control in the payment process.

Method used

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  • Payment risk management method and related device
  • Payment risk management method and related device
  • Payment risk management method and related device

Examples

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Embodiment Construction

[0099] The embodiment of the present application provides a payment risk management method and a related device, which can be applied to a system or program including a payment risk management function in a terminal device, and obtain user information of a target user by responding to the start of the payment process; Then determine the target operation performed by the target user in the payment process to obtain business information; and determine the corresponding tag information based on user information or business information, and the tag information is used to indicate preset risk items; further user information and dynamic information Input the preset model as an indicator item to determine the risk characteristic value of the target user, wherein the dynamic information includes at least one of business information or label information, and the preset model is used to indicate the corresponding relationship between the indicator item and the risk characteristic value; a...

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Abstract

The invention discloses a payment risk management method and a related device. The method includes obtaining user information of a target user; then determining service information of the target user in the payment process; determining corresponding label information based on the user information or the service information, wherein the label information is used for indicating a preset risk item; further inputting the user information and the dynamic information as index items into a preset model to determine a risk feature value of the target user; and determining a control operation of the payment process based on the risk feature value. Due to the fact that the risk characteristic value is evaluated through combination of the static information and the dynamic information, the current payment state and the risk condition of the target user can be fully reflected, the integrity and effectiveness of dimensions considered by risk control are guaranteed, and therefore the accuracy of payment risk control is improved.

Description

technical field [0001] The present application relates to the field of computer technology, in particular to a payment risk management method and related devices. Background technique [0002] With the rapid development of Internet technology, mobile payment has occupied an important position in people's life. Correspondingly, the control of violations in the process of mobile payment has also become a difficult problem. [0003] Generally, for banks or third-party payment institutions, etc., it is necessary to conduct money laundering risk ratings on admitted users during the supervision process. Among them, the money laundering risk ratings of banks or payment institutions are mostly based on the user's own information, such as the integrity of user information, the validity of certificate information, and the danger of industry or geographical information, etc. as the basis for risk control. [0004] However, the use of user information for management and control relies ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/40
CPCG06Q20/4016
Inventor 张鹏
Owner TENPAY PAID TECH
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