Payment transaction risk control method and device, electronic equipment and storage medium

A risk control and transaction technology, which is applied in the fields of payment transaction risk control methods, devices, electronic equipment and storage media, can solve the problems of limited risk control condition setting, weak risk identification ability, and difficult simultaneous identification of unknown risks, so as to achieve improvement The effect of processing efficiency and improving accuracy

Pending Publication Date: 2022-07-29
GUANGZHOU PANYU POLYTECHNIC
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] These existing risk control systems mainly rely on transaction dimension data, build models through historical experience rules, and intercept risk payment transactions. Because the rules are limited by the setting of risk control conditions, that is, they can only be based on past risk events or customer accounts in the past. Risk transactions, identify known transaction risks, it is difficult to simultaneously identify unknown risks, and the ability to identify risks is weak
In the face of the huge amount of Internet payment transactions and the increasing number of online payment business types in the payment market, the traditional risk control system has a serious problem of lag in response

Method used

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  • Payment transaction risk control method and device, electronic equipment and storage medium
  • Payment transaction risk control method and device, electronic equipment and storage medium
  • Payment transaction risk control method and device, electronic equipment and storage medium

Examples

Experimental program
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Effect test

Embodiment 1

[0040] see figure 1 , figure 1 It is a schematic flowchart of a payment transaction risk control method disclosed in an embodiment of the present invention. like figure 1 As shown, the payment transaction risk control method includes the following steps:

[0041] S110. Establish a user feature database. The user feature database includes user basic information, login device information, address information, voiceprint information, and user identity tag information, and compares the user identity tag information with the user basic information, login device information, address information, and voiceprint information. information is associated separately. The specific method is:

[0042] Establish user identity label information: When a user opens an account, configure a unique data encoding label for the user as the user identity label information.

[0043] Establish basic user information: When a user opens an account, the name, ID number, and mobile phone number filled...

Embodiment 2

[0058] see figure 2 , figure 2 It is a payment transaction risk control device disclosed in the embodiment of the present invention, which particularly includes:

[0059] User feature database module 210: used to establish a user feature database. The user feature database module includes a user basic information sub-module, a login device information sub-module, an address information sub-module, a voiceprint information sub-module and a user identity label information sub-module. The user identity label information sub-module configures a unique data encoding label for the user as the user identity label information. The user basic information sub-module collects the name, ID number and mobile phone number filled in by the user when the user opens an account, and records it together with the opened account information as the user's basic information. At the same time, the user identity tag information is recorded on the user basic information sub-module. The login devi...

Embodiment 3

[0071] see image 3 , image 3 It is a schematic structural diagram of an electronic device disclosed in an embodiment of the present invention. like image 3 As shown, the electronic device may include:

[0072] a memory 310 storing executable program code;

[0073] a processor 320 coupled to the memory 310;

[0074] The processor 320 invokes the executable program code stored in the memory 310 to execute part or all of the steps in the payment transaction risk control method in the first embodiment.

[0075]An embodiment of the present invention discloses a computer-readable storage medium, which stores a computer program, wherein the computer program causes a computer to execute part or all of the steps in the payment transaction risk control method in the first embodiment.

[0076] The embodiment of the present invention also discloses a computer program product, wherein when the computer program product runs on the computer, the computer is made to execute some or al...

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PUM

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Abstract

The invention discloses a payment transaction risk control method and device, electronic equipment and a storage medium. The method comprises the steps of receiving a payment request; identifying whether the payment request is risk payment according to a user feature database; if the payment request is risk payment, calling out a user communication number from the user feature database, calling the user, collecting voice information of user response, comparing whether the voice information is consistent with voiceprint information of the user in the user feature database, if yes, passing the risk payment, and if not, stopping the risk payment. According to the invention, the payment service risk identification accuracy can be improved, and the large-scale daily payment risk processing efficiency can be improved.

Description

technical field [0001] The invention relates to the technical field of payment transactions, in particular to a payment transaction risk control method, device, electronic device and storage medium. Background technique [0002] With the popularization of Internet financial payment, the use of online mobile payment has replaced traditional offline payment as the main financial payment method used by people. However, at the same time, payment risk events such as online account information theft and account theft have also occurred frequently, becoming a major risk faced by financial institutions and customers. Financial institutions face more than 100,000 payment transactions per day, and even more than 10,000 payment transactions per minute during peak periods, and it is difficult to use traditional manual back-office customer service methods to identify risks and contact customers to confirm payment risks. The use of manual background customers to contact customers and car...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/40
CPCG06Q20/40145G06Q20/4016G06Q20/4015
Inventor 曾卉
Owner GUANGZHOU PANYU POLYTECHNIC
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