A small amount free of password limit control method and device

Abstract

The present invention discloses a method and device for controlling a small-amount no-password limit. The method comprises: determining the number of times the amount of a single consumption falls within each consumption amount interval within the last preset period; if the consumption amount interval with the most times falls within the preset interval, determining the no-password limit as the preset maximum value and terminating the control method; otherwise, calculating the expected consumption amount within the last preset period; determining the average level and dispersion of the single consumption amount within the last preset period; calculating the expected consumption cost based on the expected consumption amount, the average level, and the dispersion; determining a consumption characteristic adjustment value based on consumption parameters within a preset time interval within the last preset period; determining a risk factor based on basic information and risk information of an associated device card; and calculating the no-password limit based on the expected consumption cost, the consumption characteristic adjustment value, and the risk factor. This application scheme improves the success rate of no-password payment and the consumer experience.

Description

Technical Field

[0001] The present invention relates to the field of password-free payment, and in particular to a method and device for controlling a small-amount password-free payment limit. Background Art

[0002] With the popularization of mobile payment, small-amount password-free payment has gradually been accepted by the public as a convenient payment method.

[0003] Traditional small-amount password-free payment solutions limit the amount of small-amount password-free payment to one or several fixed values. Consumers can use password-free payment when the payment amount is within the fixed value range.

[0004] However, this solution often results in overspending and amounts that do not meet consumer expectations, a high payment failure rate, and a poor consumer experience. Summary of the Invention

[0005] The present invention provides a method and device for controlling the limit of small-amount password-free payments, so as to improve the success rate of password-free payments and enhance the consumer experience.

[0006] According to one aspect of the present invention, a method for controlling a small-amount, no-password limit is provided, the method comprising:

[0007] Determine the number of times the amount of a consumer's single purchase during the previous preset period falls within each consumption amount range;

[0008] If the consumption amount interval with the most times is a preset interval, then the consumer's no-password limit is determined to be the preset maximum value, and the control method ends; otherwise, the consumer's expected consumption amount in the previous preset period is calculated, wherein the expected consumption amount is the mathematical expectation value of the single consumption amount in the previous preset period;

[0009] Determine the average level and dispersion of the single-transaction amount of the consumer in the previous preset period;

[0010] Calculating the expected consumption cost of the consumer based on the expected consumption amount, the average level, and the dispersion;

[0011] Determining a consumption characteristic adjustment value based on the consumption parameters of the preset time interval in the preset cycle;

[0012] Determine the risk factor based on the basic information and risk information of the associated device card;

[0013] The consumer's password-free limit is calculated based on the expected consumption cost, the consumption characteristic adjustment value and the risk factor.

[0014] According to another aspect of the present invention, the present application provides a small amount of no-password limit control device, which includes: a consumption interval determination module, a consumption level determination module, an average level and dispersion degree determination module, an expected consumption cost calculation module, a consumption feature adjustment value determination module, a risk factor determination module and a no-password limit calculation module; the consumption interval determination module is used to determine the number of times that the amount of a consumer's single consumption in the previous preset period falls into each consumption amount interval; the consumption level determination module is used to determine that the consumer's no-password limit is a preset maximum value when the consumption level corresponding to the consumption amount interval with the largest number of times is a preset level, and end the control method, otherwise calculate the number of times the consumer falls into the previous preset period. The expected consumption amount within the period; the average level and dispersion determination module is used to determine the average level and dispersion of all single consumption amounts of the consumer in the last preset period; the expected consumption cost calculation module is used to calculate the expected consumption cost of the consumer based on the expected consumption amount, the average level and the dispersion; the consumption characteristic adjustment value determination module is used to determine the consumption characteristic adjustment value based on the consumption parameters of the preset time interval in the last preset period; the risk factor determination module is used to determine the risk factor based on the basic information and risk information of the associated device card; the password-free credit limit calculation module is used to calculate the consumer's password-free credit limit based on the expected consumption cost, the consumption characteristic adjustment value and the risk factor.

[0015] The technical solution of the embodiment of the present invention determines the expected consumption amount based on the consumer's consumption behavior in the previous preset period and directly determines the password-free payment amount as the preset maximum value when the single consumption amount in the previous preset period is generally high. It further introduces the average level and dispersion of single consumption in the previous preset period to calculate the expected consumption cost. Finally, it introduces the consumption characteristic adjustment value and risk factor to calculate the final password-free payment limit, thereby realizing dynamic control of the small-amount password-free payment limit. The password-free limit takes into account the different consumption habits and risky consumption behaviors in different time periods, can be more in line with consumers' consumption habits, dynamically adapt to consumers' consumption habits in different time periods, improves the success rate of password-free payment, and enhances consumers' experience.

[0016] It should be understood that the content described in this section is not intended to identify the key or important features of the embodiments of the present invention, nor is it intended to limit the scope of the present invention. Other features of the present invention will become readily understood through the following description. BRIEF DESCRIPTION OF THE DRAWINGS

[0017] In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the following briefly introduces the drawings required for use in the description of the embodiments. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work.

[0018] Figure 1 A flowchart of a small-amount, no-password credit limit control method provided by an embodiment of the present invention;

[0019] Figure 2 A flowchart of another small-amount, no-password credit limit control method provided by an embodiment of the present invention;

[0020] Figure 3 A flowchart of another method for controlling a small amount of credit limit without password provided in an embodiment of the present invention;

[0021] Figure 4 This is a schematic diagram of the structure of a small-amount, password-free credit limit control device provided by an embodiment of the present invention;

[0022] Figure 5 It is a structural diagram of an electronic device that implements the small-amount, no-password credit limit control method provided by an embodiment of the present invention. DETAILED DESCRIPTION

[0023] In order to enable those skilled in the art to better understand the solutions of the present invention, the technical solutions in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the embodiments described are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without making creative efforts should fall within the scope of protection of the present invention.

[0024] It should be noted that the terms "first," "second," and the like in the specification and claims of the present invention and the above-mentioned drawings are used to distinguish similar objects and are not necessarily used to describe a specific order or precedence. It should be understood that the numbers used in this manner are interchangeable where appropriate so that the embodiments of the present invention described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "comprises" and "comprising" and any variations thereof are intended to cover non-exclusive inclusions. For example, a process, method, system, product, or apparatus comprising a series of steps or units is not necessarily limited to those steps or units explicitly listed, but may include other steps or units that are not explicitly listed or that are inherent to these processes, methods, products, or apparatus.

[0025] The embodiment of the present invention provides a method for controlling a small-amount, password-free credit limit, which can be implemented by a computer or other device capable of data analysis and processing. Figure 1 A flowchart of a small amount free of password limit control method provided by an embodiment of the present invention, referring to Figure 1 The control methods for small-amount no-password limit include:

[0026] S101: Determine the number of times that the amount of a single consumption by a consumer in a previous preset period falls within each consumption amount range.

[0027] Specifically, the preset period is a pre-set time period. For example, the preset period can be one month, one quarter, one year, or other appropriate time period. If the preset period is one month, the previous preset period can be the thirty days before today or the first to the last day of the previous month. Each consumer has different consumption habits, and different consumer groups need to be distinguished by consumption level classification. Different consumption levels can be quantified by the number of times all single consumptions in the previous preset period fall into each consumption amount range. The consumption amount range is the range within which the consumption amount of a single consumption falls. The consumption amount range can be set by the developer according to actual needs.

[0028] For example, the consumption amount interval can be divided into 5 intervals. The consumption amount interval corresponding to consumption level 1 is (0, 50], the consumption amount interval corresponding to consumption level 2 is (50, 200], the consumption amount interval corresponding to consumption level 3 is (200, 500], the consumption amount interval corresponding to consumption level 4 is (500, 1000], and the consumption amount interval corresponding to consumption level 5 is (1000, ∞]. The number of times a single consumption amount falls between levels 1 and 5 can be represented by a one-dimensional array as times = {a, b, c, d, e}.

[0029] S102. If the consumption amount interval with the most times is the preset interval, the consumer's password-free limit is determined to be the preset maximum value, and the control method ends. Otherwise, the consumer's expected consumption amount in the previous preset period is calculated.

[0030] Specifically, the preset interval can be an interval or several intervals with the highest amount in the consumption amount interval, which is set according to demand and the division of the consumption amount interval. For example, the preset interval can be an interval of (1000,∞], or two intervals of (500,1000] and (1000,∞]. If the amount of a single consumption in the previous preset period falls into the preset interval the most times, the consumer's password-free limit is directly determined to be the preset maximum value. The preset maximum value is the highest password-free limit that the bank can provide for the consumer. The highest password-free limit can be set in advance by the bank based on the consumer's credit rating, account balance and other information about the consumer's credit and assets. Large no-password limit value. If the number of times a consumer's single consumption amount in the previous preset period falls within the preset range is the highest, it indicates that the consumer's consumption level in the previous preset period is the highest. Therefore, the consumer can be provided with a no-password limit of the preset maximum value, which facilitates the consumer's high-value consumption. In addition, if the consumption amount range in which the single consumption amount in the previous preset period falls the most times is not the preset range, it is necessary to further calculate and determine the consumer's expected consumption amount for a single consumption in the previous preset period, where the consumption amount expectation is the mathematical expectation value of the single consumption amount in the previous preset period. The consumption amount expectation can roughly reflect the consumer's single consumption level in the previous preset period from a macro perspective.

[0031] S103: Determine the average level and dispersion of the consumer's single consumption amount in the previous preset period.

[0032] Specifically, the average level can refer to the average amount of all single purchases made by the consumer during the previous preset period, which can be calculated by taking the average of all single purchase amounts during the previous preset period. The dispersion level can reflect the degree of dispersion of all single purchase amounts made by the consumer during the previous preset period, which can be expressed as the variance of all single purchase amounts during the previous preset period.

[0033] S104. Calculate the consumer's expected consumption expenses based on the expected consumption amount, average level, and dispersion.

[0034] Specifically, expected consumption expenditure is the predicted level of consumption within the current preset period, based on all individual consumption amounts within the previous preset period. This can be calculated based on the expected consumption amount, the average level, and the degree of dispersion. Both the average level and the expected consumption amount are positively correlated with expected consumption expenditure. The degree of dispersion reflects the regularity of consumption; smaller values ​​indicate more regular consumption within the preset period.

[0035] S105: Determine a consumption characteristic adjustment value according to the consumption parameters of a preset time interval in a previous preset cycle.

[0036] Specifically, when determining a consumer's no-password limit, the determination of the consumer's consumption characteristics is not limited to the expected consumption expenses from a macro perspective, but also needs to take into account consumption behavior under special circumstances. The preset time interval can be a special consumption interval in a preset period. For example, the preset time interval can be at least one of the unit interval with the highest consumption amount, the unit interval with the most consumption times, the unit interval with the lowest consumption amount, and the unit interval with the least consumption times. The unit interval can be a day, a month, or other periodic time interval. The consumption parameters can be the number of consumptions, the amount, and the time of consumption. The consumption characteristic adjustment value can reflect the characteristics of the consumption amount in a certain time period in the preset time interval. For example, the consumption characteristic adjustment value for the time period from 7:00 a.m. to 10:00 a.m. every day of this month can be calculated based on the single consumption amount in the time period from 7:00 a.m. on the day with the highest consumption amount, the day with the most consumption times, the day with the lowest consumption amount, and the day with the least consumption times in the previous month. The consumption characteristic adjustment value can correct the password-free quota so that the password-free quota is not only applicable to consumption behavior under normal circumstances, but also to consumption under special consumption circumstances. Special consumption circumstances include consumption circumstances where the total consumption amount in a single day is higher than the normal range, the total consumption amount in a single day is lower than the normal range, the number of consumption transactions in a single day is higher than the normal range, and the number of consumption transactions in a single day is lower than the normal range.

[0037] S106: Determine a risk factor based on the basic information and risk information of the associated device card.

[0038] Specifically, the device card is a virtual card that simulates the information of a physical bank card and is stored in a mobile phone's near-field wireless communication chip (NFC chip) or other portable smart device. The device card is associated with a bank card, and consumers can use the device card to make purchases, which is equivalent to the function of a bank card. The basic information of the device card is the information of the device card issuer and the basic information of the card, which may include the credit rating of the main card, the application time of the device card, the expiration time of the device card, and any other basic information. Risk information is relevant information about the risky behavior of the device card, which may be the number of transaction failures, the time of consumption failure, the number of blacklisting, the blacklisting duration, and other information related to the consumer's credit. The risk factor can reflect the possibility of the consumer using the device card to engage in risky behavior, and is related to the basic information and risk information of the device card.

[0039] S107. Calculate the consumer's password-free limit based on expected consumption expenses, consumption characteristic adjustment values, and risk factors.

[0040] Specifically, small-amount PIN-free payment is a convenient payment service provided by banks, allowing consumers to complete payments without a password or signature when using their cards. The PIN-free limit is the maximum amount that can be used for small-amount PIN-free payments. This limit is calculated by incorporating consumption characteristic adjustment values ​​and risk factors based on expected spending. This limit is the default PIN-free limit provided by banks for consumers and changes dynamically based on their spending behavior over the previous preset period and the time of day, to accommodate their consumption needs at different times and under different circumstances.

[0041] The present embodiment provides a method for controlling a small-amount password-free credit limit. This method can determine the expected consumption amount based on the consumer's consumption behavior in the previous preset period and directly determine the password-free payment amount as the preset maximum value when the single consumption amount in the previous preset period is generally high. The average level and dispersion of single consumption in the previous preset period can also be introduced to calculate the expected consumption cost, and then the consumption characteristic adjustment value and risk factor are introduced to calculate the final password-free credit limit. The password-free credit limit takes into account the different consumption habits and risky consumption behaviors in different time periods, which can be more in line with the consumer's consumption habits and realize dynamic control of the small-amount password-free payment credit limit. The password-free credit limit can dynamically adapt to the consumer's consumption habits in different time periods, which can improve the success rate of password-free payment and enhance the consumer experience.

[0042] Continue to refer to Figure 1 Optionally, after calculating the consumer's password-free credit limit based on the expected consumption cost, the consumption characteristic adjustment value, and the risk factor, the following is also included:

[0043] S108. Determine the optional amount based on the degree of dispersion and expected consumption expenses.

[0044] Specifically, if the discrete degree value is less than or equal to the preset discrete value, it indicates that the consumer's consumption amount and time distribution are relatively stable and regular, and it may be necessary to provide a certain level of free-password quota selection. For example, the optional quota can be set to four levels for consumers to choose from, namely 1 / 4 times the expected consumption cost, 1 / 2 times the expected consumption cost, 3 / 4 times the expected consumption cost, and single times the expected consumption cost. If the discrete degree value is higher than the preset discrete value, it indicates that the consumer's consumption amount and time distribution fluctuate significantly, and it is necessary to provide more levels of free-password quota selection. For example, the optional quota can be set to six levels for consumers to choose from, namely 1 / 6 times the expected consumption cost, 1 / 3 times the expected consumption cost, 1 / 2 times the expected consumption cost, 2 / 3 times the expected consumption cost, 5 / 6 times the expected consumption cost, and single times the expected consumption cost. Consumers can select one of the optional quotas according to their needs. The optional quota selected by the consumer is within the range of the expected consumption cost and has a higher authority than the free-password quota determined in step S107. If the consumer selects an optional limit, the actual PIN-free limit is the optional limit. If the consumer does not select an optional limit, the actual PIN-free limit is the PIN-free limit determined in step S107. Based on the dynamically determined expected consumption cost, the consumer can also select a limit based on their own needs, making the determined PIN-free limit more in line with user needs, ensuring the security of the PIN-free limit and the probability of successful payment, while also improving the user experience.

[0045] Figure 2 A flowchart of another small amount free of password limit control method provided by an embodiment of the present invention, referring to Figure 2 The control methods for small-amount no-password limit include:

[0046] S201: Determine the number of times that the amount of a single consumption by a consumer in a previous preset period falls within each consumption amount range.

[0047] S202. If the consumption amount interval with the most times is the preset interval, the consumer's password-free limit is determined to be the preset maximum value, and the control method ends. Otherwise, the expected consumption amount is calculated according to the first calculation formula.

[0048] Specifically, the first calculation formula is Among them, A is the sum of the product of the maximum value of each consumption amount interval and the corresponding number of times. If the maximum value of the consumption amount interval is infinite, then the maximum value of the consumption amount interval is the minimum value plus the preset amount. The preset amount can be the maximum difference between the previous consumption amount interval. For example, if the consumption amount interval is (1000,∞] and the previous interval of this interval is (500,1000], then the maximum value of the consumption amount interval is equal to the minimum value 1000 plus the preset amount 500. B is the sum of the corresponding number of times for each consumption amount interval.

[0049] Consumption level Consumption amount range (yuan) 1 (0,50] 2 (50,200] 3 (200,500] 4 (500,1000] 5 (1000,∞)

[0050] Table 1 is a relationship table between consumption levels and corresponding consumption amounts provided in this embodiment.

[0051] For example, the last preset period is the month before the consumption, the consumption level and the corresponding consumption amount range are shown in Table 1, and the number of times the amount of a single consumption in the last preset period falls between level 1 and level 5 is represented by the one-dimensional array times = {a, b, c, d, e}. If the maximum value in times is e, the password-free limit provided to the user is the preset maximum value of 2000. Otherwise, the expected consumption amount is calculated according to the first calculation formula. Consumption amount expectations can reflect consumers' consumption level and corresponding amount in the previous month from a macro perspective.

[0052] S203: Calculate the average of the single consumption amounts of the consumer in the previous preset period according to the second calculation formula.

[0053] Specifically, the preset period is one month. The second calculation formula is Where AM is the mean of the consumer's single purchase amounts during the previous preset period, n is the number of purchases made by the consumer during the previous preset period, and Cost(i) is the amount of the i-th purchase. The mean reflects the average amount of a single purchase during the previous preset period.

[0054] S204: Calculate the variance of the consumer's single consumption amount in the previous preset period according to the third calculation formula.

[0055] Specifically, the third calculation formula is Var is the variance of the consumer's single purchase amount during the previous preset period. Variance can be reflected in the degree of dispersion of the amounts of all single purchases during the previous preset period. Variance can also be replaced by standard deviation or other mathematical parameters that reflect the degree of data dispersion.

[0056] S205. Calculate the expected consumption cost according to the fourth calculation formula.

[0057] Specifically, the fourth calculation formula is Where ω is the expected consumption cost, λ is the first preset weight, with 0 < λ < 0.5. The value of the first preset weight reflects the correlation between the password-free limit and the expected consumption amount in the previous period. The higher the correlation, the higher the value of λ. Developers can determine the value of λ based on actual needs. μ is the second preset weight, with 1 > μ > 0.5. The value of the second preset weight reflects the correlation between the password-free limit and the average single consumption amount in the previous period. The higher the correlation, the smaller the value of μ. Developers can determine the value of μ based on actual needs. The expected consumption cost is the predicted value of the single consumption amount in the current period based on consumption behavior in the previous preset period.

[0058] S206. Calculate the consumption characteristic adjustment value according to the fifth calculation formula.

[0059] Specifically, the preset time interval includes the day with the highest single-day consumption amount, the day with the lowest single-day consumption amount and not 0, the day with the most single-day consumption transactions, and the day with the least single-day consumption transactions and not 0. The fifth calculation formula is Where θ is the consumption characteristic adjustment value, s is the average of the single-transaction amounts within the preset time period on the day with the highest single-day consumption amount, t is the average of the single-transaction amounts within the preset time period on the day with the lowest single-day consumption amount and not zero, p is the average of the single-transaction amounts within the preset time period on the day with the most single-day consumption transactions, q is the average of the single-transaction amounts within the preset time period on the day with the least single-day consumption transactions and not zero, Max(s, t, p, q) is the maximum value among s, t, p and q, and C M It is the average of the single consumption amounts within the preset time interval corresponding to Max(s, t, p, q). The preset time period is a preset period of time in a day. For example, the preset time period can be 6:00-8:00 in the morning, and the calculated consumption characteristic adjustment value is the characteristic adjustment value of 6:00-8:00 in the morning. The password-free quota corresponding to 6:00-8:00 in the morning can be calculated based on the consumption characteristic adjustment value. The password-free quota can change according to the different time periods of the day. Since the probability of special consumption behaviors occurring in different time periods of the day is different, the consumption characteristic adjustment value can reflect the relationship between special consumption behaviors and different time periods of the day. For example, compared with a month ago, if the amount and frequency of impulse consumption by consumers before going to bed were higher last month, the consumption characteristic value of 9:00-12:00 in the evening of this month will increase. Then, the password-free quota will be appropriately increased from 9:00-12:00 every night this month to meet the needs of consumers for evening shopping.

[0060] S207. Calculate the risk factor according to the sixth calculation formula.

[0061] Specifically, the sixth calculation formula is Where ε is the risk factor, x is the number of historical transaction failures for the associated device card, k is the number of mobile payment transactions made by the consumer in the previous preset period, P is the total duration the associated device card has been blacklisted, T is the validity period of the associated device card, and L is the credit score of the primary card. The risk factor is positively correlated with the number of failed transactions and the blacklist duration, and negatively correlated with the credit score of the primary card. The risk factor can quantify the consumer's spending risk. Incorporating the risk factor into the calculation of the no-password limit can provide lower no-password limits for higher-risk consumers, reducing consumer spending risk and improving account security.

[0062] S208. Calculate the password-free quota according to the seventh calculation formula.

[0063] Specifically, the seventh calculation formula is Among them, EXP is the password-free limit, θ is the consumption characteristic adjustment value, ω is the expected consumption cost, and ε is the risk factor.

[0064] For example, when the consumer agrees to automatically adjust the password-free limit using the small-amount password-free limit control method, the bank's server will calculate a dynamic password-free limit based on the consumer's consumption in the previous month, credit value, the length of time the associated device card has been blacklisted, and the length of time the associated device card has been valid. This password-free limit can change with the time of day and the previous preset cycle. The password-free limit can adapt to the consumer's daily consumption amount, consumption characteristics in different time periods, and consumption risks.

[0065] S209. Determine the optional amount based on the degree of dispersion and expected consumption costs.

[0066] Among them, step S209 is the same as the aforementioned step S108 and will not be repeated here.

[0067] The small-amount password-free credit limit control method provided in this embodiment directly determines the password-free credit limit as the preset maximum credit limit when the consumption amount in the previous month falls into the highest consumption range the most times. Otherwise, the expected consumption cost of this month is determined based on the consumption amount in the previous preset period, and then the consumption characteristic adjustment value is determined based on the time period and amount of the consumer's special consumption in the previous month. The consumer's risk factor is calculated based on the consumer's credit value and the length of time he or she has been blacklisted, and then the password-free credit limit is calculated based on the expected consumption cost, the consumption characteristic adjustment value and the risk factor. When the consumer does not want to use the dynamic password-free credit limit, an optional credit limit is provided for the consumer to choose, thereby realizing the dynamic calculation of the password-free credit limit for small-amount password-free payments. The introduced consumption characteristic adjustment value can make the password-free credit limit more adaptable to the consumer's special consumption needs in different time periods, thereby improving the success rate of password-free payments. The introduction of risk factors can reduce the risk of password-free payments, thereby further improving account security.

[0068] Figure 3 A flowchart of another small amount free of password limit control method provided by an embodiment of the present invention, referring to Figure 3 The control methods for small-amount no-password limit include:

[0069] S301. Determine whether the consumer is a dishonest person based on the credit mark of the associated device card.

[0070] Specifically, the credit rating is a credit rating indicator assigned by the bank to a consumer's account based on their deposit, transaction, repayment, and spending records. The credit rating reflects the credit status of the consumer's account. If the credit rating is active, the consumer is on a blacklist and is considered a dishonest person for the current period. If the credit rating is in any other state, the consumer is not on a blacklist and is not a dishonest person for the current period.

[0071] S302: If yes, then the small amount password-free payment service is not provided and the control method is terminated; otherwise, proceed to the next step.

[0072] Specifically, if the consumer is a person of bad faith, the small amount no-password payment service will not be provided to the consumer to prevent the person from overspending. If the consumer is not a person of bad faith, the next step can be carried out to determine the consumer's no-password payment limit normally.

[0073] S303: Determine the consumer's activity level based on the relative relationship between the total number of consumption transactions by the consumer in the previous preset period and a preset value.

[0074] Specifically, the total number of consumption transactions in the previous preset period is the number of all single consumption transactions in the previous period, which can reflect the consumer's consumption activity. The preset value is one or more preset consumption transaction numbers, which can be set by the developer according to actual needs. The different relative relationships between the total number of consumption transactions in the previous preset period and the preset value can correspond to different levels of consumer activity. Then, it is determined whether the activity level is within the set activity range. For example, if the total number of consumption transactions of the consumer in the previous preset period is greater than or equal to the preset value, the consumer's activity level can be determined to be high; otherwise, the consumer's activity level can be determined to be low.

[0075] S304. If the activity level is within the set activity range, proceed to the next step; otherwise, determine that the consumer's password-free limit is the preset minimum value, close the small-amount password-free payment function by default, and end the control method.

[0076] Specifically, the fact that the activity level is not within the set active range indicates that the consumer made fewer purchases last month. The fact that the activity level is not within the set active range means that the activity level is not greater than the preset active value. In this case, the consumer's password-free limit can be directly determined to be the preset minimum value, and the small-amount password-free payment function can be closed by default and the control method is terminated. If the activity level is within the set active range, the next step can be entered to further determine the password-free limit. The preset minimum value is the minimum password-free limit value that the bank can provide to consumers, which is set in advance. Consumers whose password-free limit is the preset minimum value can only use password-free payment for consumption when the single consumption amount is less than the preset minimum value. Closing the small-amount password-free payment function by default means that the consumer needs to input the signal to turn on the password-free payment function again before the small-amount password-free payment function is turned on.

[0077] Exemplarily, the preset values ​​may include a first preset value of 10, a second preset value of 30, and a third preset value of 50. If the number of consumption transactions is less than or equal to 10, the activity is 1; if the number of consumption transactions is greater than 10 and less than or equal to 30, the activity is 2; if the number of consumption transactions is greater than 30, the activity is 3. Set the activity range to an activity of not less than 2. If the number of consumption transactions of the consumer last month is 2, which is less than the first preset value of 10, the activity of the consumer is determined to be 1, and the activity is not less than 2. At this time, the activity of the consumer is not within the set active range, and the consumer's password-free limit can be directly determined to be the preset minimum value, the small-amount password-free payment function is turned off, and the control method is ended. If the activity of the consumer last month is not within the active range, the small-amount password-free payment function is turned off by default, and the user needs to input the signal to turn on the password-free payment function again to turn on the small-amount password-free payment function this month and provide a password-free limit of the preset minimum value.

[0078] S305: Determine the number of times the amount of a single consumption by the consumer in the previous preset period falls within each consumption amount range.

[0079] S306. If the consumption amount interval with the most times is the preset interval, the consumer's password-free limit is determined to be the preset maximum value, and the control method ends. Otherwise, the expected consumption amount is calculated according to the first calculation formula.

[0080] S307: Calculate the average of the consumer's single consumption amounts in the previous preset period according to the second calculation formula.

[0081] S308. Calculate the variance of the consumer's single consumption amount in the previous preset period according to the third calculation formula.

[0082] S309. Calculate the expected consumption cost according to the fourth calculation formula.

[0083] S310. Calculate the consumption characteristic adjustment value according to the fifth calculation formula.

[0084] S311. Calculate the risk factor according to the sixth calculation formula.

[0085] S312. Calculate the password-free quota according to the seventh calculation formula.

[0086] S313. Determine the optional amount based on the degree of dispersion and expected consumption costs.

[0087] Among them, the contents of steps S305, S306, S307, S308, S309, S310, S311, S312 and S313 are respectively the same as those of steps S201, S202, S203, S204, S205, S206, S207, S208 and S209, and will not be repeated here.

[0088] The small-amount password-free limit control method provided in this embodiment determines whether the consumer is a person of bad faith based on the credit mark before calculating the password-free limit. If so, the small-amount password-free payment service will no longer be provided. Otherwise, the activity level is determined based on the number of consumption times within the previous preset period of the user. If the activity level is low and is not within the preset activity range, the small-amount password-free payment service will be closed by default and a preset minimum value will be provided as the password-free limit. If the activity level is high and is within the preset activity range, the password-free limit will continue to be calculated. This realizes the identification of persons of bad faith and inactive consumers, stops providing password-free payment services to persons of bad faith, and closes the password-free payment function of inactive consumers by default, preventing excessive consumption by persons of bad faith and abnormal consumption by inactive consumers, further improving the security of password-free payment.

[0089] The embodiment of the present invention also provides a small amount no-password credit limit control device. Figure 4 A schematic diagram of a small amount free credit limit control device provided by an embodiment of the present invention, referring to Figure 4 The small amount no-password limit control device 400 includes: a consumption interval determination module 401, a consumption level determination module 402, an average level and dispersion degree determination module 403, an expected consumption cost calculation module 404, a consumption characteristic adjustment value determination module 405, a risk factor determination module 406 and a no-password limit calculation module 407. The consumption interval determination module 401 is used to determine the number of times that the amount of a consumer's single consumption falls into each consumption amount interval within the previous preset period; the consumption level determination module 402 is used to determine that the consumer's no-password limit is a preset maximum value when the consumption level corresponding to the consumption amount interval with the most times is the preset level, and end the control method; otherwise, calculate the consumer's no-password limit within the previous preset period. Assume that the expected consumption amount within the period; the average level and dispersion determination module 403 is used to determine the average level and dispersion of all single consumption amounts of the consumer in the previous preset period; the expected consumption cost calculation module 404 is used to calculate the consumer's expected consumption cost based on the expected consumption amount, average level and dispersion; the consumption characteristic adjustment value determination module 405 is used to determine the consumption characteristic adjustment value based on the consumption parameters of the preset time interval in the previous preset period; the risk factor determination module 406 is used to determine the risk factor based on the basic information and risk information of the associated device card; the password-free limit calculation module 407 is used to calculate the consumer's password-free limit based on the expected consumption cost, consumption characteristic adjustment value and risk factor.

[0090] An embodiment of the present invention further provides an electronic device. Figure 5 A schematic diagram of the structure of an electronic device for a small amount free of password control method provided by an embodiment of the present invention, referring to Figure 5The electronic device 500 includes: at least one processor 501; and a memory 502 communicatively connected to the at least one processor 501; wherein the memory 502 stores a computer program that can be executed by the at least one processor 501, and the computer program is executed by the at least one processor 501 so that the at least one processor 501 can execute the small-amount, no-password credit limit control method in any embodiment.

[0091] The small-amount password-free credit limit control method, device and electronic device provided by the present invention can determine the expected consumption amount based on the consumer's consumption behavior in the previous preset period and directly determine the password-free payment amount as the preset maximum value when the single consumption amount in the previous preset period is generally high. It can also introduce the average level and dispersion of single consumption in the previous preset period to calculate the expected consumption cost, and then introduce the consumption characteristic adjustment value and risk factor to calculate the final password-free credit limit. The password-free credit limit takes into account the different consumption habits and risky consumption behaviors in different time periods, which can be more in line with the consumer's consumption habits and realize dynamic control of the small-amount password-free payment credit limit. The password-free credit limit can dynamically adapt to the consumer's consumption habits in each time period, which can improve the success rate of password-free payment and enhance the consumer experience. It can also directly provide a preset minimum credit limit and turn off the password-free payment function by default when the consumption activity is relatively low. The password-free payment can be turned off when the consumer is a person of bad faith, thereby improving the security of the consumer's password-free payment.

[0092] Various embodiments of the systems and techniques described herein can be implemented in digital electronic circuit systems, integrated circuit systems, field programmable gate arrays (FPGAs), application specific integrated circuits (ASICs), application specific standard products (ASSPs), system-on-chip systems (SOCs), programmable logic devices (CPLDs), computer hardware, firmware, software, and / or combinations thereof. These various embodiments can include being implemented in one or more computer programs that are executable and / or interpreted on a programmable system that includes at least one programmable processor, which can be a special purpose or general purpose programmable processor that can receive data and instructions from a storage system, at least one input device, and at least one output device, and transmit data and instructions to the storage system, the at least one input device, and the at least one output device.

[0093] Computer programs for implementing the methods of the present invention may be written in any combination of one or more programming languages. These computer programs may be provided to a processor of a general-purpose computer, a special-purpose computer, or other programmable data processing device, such that when the computer program is executed by the processor, the functions / operations specified in the flowcharts and / or block diagrams are implemented. The computer program may be executed entirely on the machine, partially on the machine, as a stand-alone software package, partially on the machine and partially on a remote machine, or entirely on a remote machine or server.

[0094] In the context of the present invention, computer-readable storage media can be tangible media that can contain or store a computer program for use with an instruction execution system, device or equipment or used in combination with an instruction execution system, device or equipment. Computer-readable storage media can include but are not limited to electronic, magnetic, optical, electromagnetic, infrared or semiconductor systems, devices or equipment, or any suitable combination of the foregoing. Alternatively, computer-readable storage media can be machine-readable signal media. More specific examples of machine-readable storage media can include electrical connections based on one or more lines, portable computer disks, hard disks, random access memories (RAM), read-only memories (ROM), erasable programmable read-only memories (EPROM or flash memory), optical fibers, portable compact disk read-only memories (CD-ROM), optical storage devices, magnetic storage devices, or any suitable combination of the foregoing.

[0095] To provide interaction with a user, the systems and techniques described herein can be implemented on an electronic device having: a display device (e.g., a CRT (cathode ray tube) or LCD (liquid crystal display) monitor) for displaying information to the user; and a keyboard and pointing device (e.g., a mouse or trackball) through which the user can provide input to the electronic device. Other types of devices can also be used to provide interaction with the user; for example, the feedback provided to the user can be any form of sensory feedback (e.g., visual feedback, auditory feedback, or tactile feedback); and input from the user can be received in any form (including acoustic input, voice input, or tactile input).

[0096] The systems and techniques described herein can be implemented in a computing system that includes back-end components (e.g., as a data server), or a computing system that includes middleware components (e.g., an application server), or a computing system that includes front-end components (e.g., a user computer with a graphical user interface or web browser through which a user can interact with implementations of the systems and techniques described herein), or a computing system that includes any combination of such back-end components, middleware components, or front-end components. The components of the system can be interconnected by any form or medium of digital data communication (e.g., a communication network). Examples of communication networks include: a local area network (LAN), a wide area network (WAN), a blockchain network, and the Internet.

[0097] A computing system may include clients and servers. The clients and servers are typically remote from each other and typically interact via a communication network. This client-server relationship arises through computer programs running on the respective computers, creating a client-server relationship. The server may be a cloud server, also known as a cloud computing server or cloud host. This server is a hosting product within the cloud computing service ecosystem that addresses the management difficulties and limited scalability of traditional physical hosting and VPS services.

[0098] It should be understood that the various forms of the processes shown above can be used to reorder, add, or delete steps. For example, the steps described in the present invention can be performed in parallel, sequentially, or in a different order, as long as the desired results of the technical solution of the present invention can be achieved. This is not limited herein.

[0099] The above specific embodiments do not limit the scope of protection of the present invention. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions may be made based on design requirements and other factors. Any modifications, equivalent substitutions, and improvements made within the spirit and principles of the present invention are intended to be included within the scope of protection of the present invention.

Claims

1. A method for controlling a small amount of credit limit without password, characterized in that: include: Determine the number of times the amount of a consumer's single purchase during the previous preset period falls within each consumption amount range; If the consumption amount interval with the most times is a preset interval, then the consumer's no-password limit is determined to be the preset maximum value, and the control method ends; otherwise, the consumer's expected consumption amount in the previous preset period is calculated, wherein the expected consumption amount is the mathematical expectation value of the single consumption amount in the previous preset period; Determine the average level and dispersion of the single-transaction amount of the consumer in the previous preset period; Calculating the expected consumption cost of the consumer based on the expected consumption amount, the average level, and the dispersion; Determining a consumption characteristic adjustment value based on consumption parameters of a preset time interval in the above-mentioned preset cycle, wherein the consumption parameters include the number of consumptions, the amount, and the time of consumption, and the consumption characteristic adjustment value is used to reflect the characteristics of the consumption amount in a certain time period in the preset time interval; Determine the risk factor based on the basic information and risk information of the associated device card; The consumer's password-free limit is calculated based on the expected consumption cost, the consumption characteristic adjustment value and the risk factor.

2. The method for controlling the small amount of credit limit without password according to claim 1, characterized in that: After calculating the consumer's password-free credit limit based on the expected consumption cost, the consumption characteristic adjustment value, and the risk factor, the method further includes: An optional credit limit is determined according to the discrete degree and the expected consumption cost, wherein the optional credit limit is within the range of the expected consumption cost and has a higher authority than the password-free credit limit.

3. The method for controlling the small amount of credit limit without password according to claim 1, characterized in that: Calculating the expected consumption amount of the consumer in the previous preset period includes: calculating the expected consumption amount according to a first calculation formula, wherein the first calculation formula is Among them, A is the sum of the products of the maximum value of each consumption amount interval and the corresponding number of times, and B is the sum of the corresponding number of times of each consumption amount interval.

4. The method for controlling the small amount of credit limit without password according to claim 3, characterized in that: Determine the average level and dispersion of all single-transaction amounts of the consumer during the previous preset period, including: The average of the single consumption amount of the consumer in the previous preset period is calculated according to the second calculation formula. The second calculation formula is: Wherein, AM is the average amount of single consumption made by the consumer in the previous preset period, n is the number of consumptions made by the consumer in the previous preset period, and Cost(i) is the amount of the i-th consumption; The variance of the single consumption amount of the consumer in the previous preset period is calculated according to the third calculation formula. The third calculation formula is: Wherein, Var is the variance of the single consumption amount of the consumer in the previous preset period.

5. The method for controlling the small amount of credit limit without password according to claim 4, characterized in that: Calculating the expected consumption cost of the consumer based on the expected consumption amount, the average level, and the dispersion, including: The expected consumption cost is calculated according to the fourth calculation formula, which is: Wherein, ω is the expected consumption cost, λ is the first preset weight and λ<0.5, and μ is the first preset weight and μ>0.

5.

6. The method for controlling the small amount of credit limit without password according to claim 5, characterized in that: The preset time interval includes the day with the highest single-day consumption amount, the day with the lowest single-day consumption amount and not 0, the day with the most single-day consumption transactions, and the day with the least single-day consumption transactions and not 0; Determining the consumption characteristic adjustment value according to the consumption parameter of the preset time interval in the above-mentioned preset cycle includes: calculating the consumption characteristic adjustment value according to the fifth calculation formula, and the fifth calculation formula is Wherein, θ is the consumption characteristic adjustment value, s is the average of the single consumption amounts within the preset time period on the day with the highest single-day consumption amount, t is the average of the single consumption amounts within the preset time period on the day with the lowest single-day consumption amount and not zero, p is the average of the single consumption amounts within the preset time period on the day with the most single-day consumption transactions, q is the average of the single consumption amounts within the preset time period on the day with the least single-day consumption transactions and not zero, Max(s, t, p, q) is the maximum value among s, t, p and q, C M is the average of the single consumption amounts within the preset time interval corresponding to Max(s, t, p, q).

7. The method for controlling the small amount of credit limit without password according to claim 6, characterized in that: Determine the risk factor based on the basic information and risk information of the associated device card, including: The risk factor is calculated according to the sixth calculation formula, which is: Wherein, ε is the risk factor, x is the number of historical transaction failures of the associated device card, k is the number of mobile payment transactions made by the consumer in the previous preset period, P is the total time the associated device card is blacklisted, T is the validity period of the associated device card, and L is the credit value of the primary card.

8. The method for controlling the small amount of credit limit without password according to claim 7, characterized in that: Calculating the consumer's password-free credit limit based on the expected consumption cost, the consumption characteristic adjustment value and the risk factor includes: calculating the password-free credit limit based on a seventh calculation formula, wherein the seventh calculation formula is: Among them, EXP is the password-free quota.

9. The method for controlling the small amount of credit limit without password according to claim 1, characterized in that: Before determining the number of times the amount of a consumer's single purchase in the previous preset period falls within each consumption amount range, the following is also included: Determining the activity level of the consumer based on the relative relationship between the total number of purchases made by the consumer in the previous preset period and a preset value; If the activity level is within the set activity range, proceed to the next step; otherwise, determine that the consumer's password-free limit is the preset minimum value, close the small-amount password-free payment function by default, and end the control method.

10. The method for controlling the small amount of credit limit without password according to claim 9, characterized in that: Before determining the activity level of the consumer based on the relative relationship between the total number of purchases by the consumer in the previous preset period and the preset value, the method further includes: Determining whether the consumer is a dishonest person based on the consumer credit mark of the associated device card; If so, the small amount password-free payment service will not be provided and the control method will be terminated, otherwise proceed to the next step.

11. A small amount no-password limit control device, characterized in that: include: A consumption range determination module is used to determine the number of times the amount of a consumer's single consumption in the previous preset period falls into each consumption amount range; a consumption level determination module, configured to determine that the consumer's no-password limit is a preset maximum value and terminate the control method when the consumption level corresponding to the consumption amount interval with the most times is a preset level; otherwise, calculate the consumer's expected consumption amount in the previous preset period; An average level and dispersion determination module, configured to determine the average level and dispersion of all single consumption amounts of the consumer in the previous preset period; An expected consumption cost calculation module, configured to calculate the expected consumption cost of the consumer based on the expected consumption amount, the average level, and the dispersion; a consumption characteristic adjustment value determination module, configured to determine a consumption characteristic adjustment value based on consumption parameters in a preset time interval within the aforementioned preset period, wherein the consumption parameters include the number of consumptions, the amount, and the time of consumption, and the consumption characteristic adjustment value is configured to reflect the characteristics of the consumption amount in a certain time period within the preset time interval; A risk factor determination module, configured to determine a risk factor based on the basic information and risk information of the associated device card; The password-free quota calculation module is used to calculate the consumer's password-free quota based on the expected consumption cost, the consumption characteristic adjustment value and the risk factor.

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