Payment transaction risk control method and device

Abstract

The present invention proposes a method and device for controlling payment transaction risks, which relate to the field of computer data processing technology. The method includes: when a bank payment system of a mobile terminal obtains a payment transaction initiated by a customer, the information of the payment counterparty of this payment transaction is sent to a bank server; the bank server determines the payment amount threshold corresponding to this payment transaction based on the payment amount threshold corresponding to the customer stored in the bank server, a first function and a second function of the payment recipient set to which the payment counterparty belongs; the bank server sends the payment amount threshold corresponding to the customer's payment transaction to the customer's mobile terminal, wherein the bank payment system of the mobile terminal controls the customer's payment transaction based on the received payment amount threshold.

Description

Technical Field

[0001] The present invention relates to the field of computer data processing technology, and in particular to a method and device for controlling payment transaction risks. Background Art

[0002] This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. No statement herein is admitted to be prior art by virtue of its inclusion in this section.

[0003] With the rapid popularization of the Internet, online transactions are becoming more and more common in daily life, such as online transfers and online shopping. In these scenarios, transactions are completed through online payment. However, due to possible network insecurity and the difficulty for customers to verify the detailed information of their counterparties when making payments, payment transactions are subject to certain risks.

[0004] In summary, there is an urgent need for a technical solution that can overcome the above-mentioned defects and effectively control payment transaction risks. Summary of the Invention

[0005] In order to solve the problems existing in the prior art, the present invention proposes a method and device for controlling payment transaction risks.

[0006] In a first aspect of an embodiment of the present invention, a method for controlling payment transaction risks is provided, comprising:

[0007] When the bank payment system of the mobile terminal obtains the payment transaction initiated by the customer, it sends the payment counterparty information of this payment transaction to the bank server;

[0008] The bank server determines the payment amount threshold corresponding to the current payment transaction based on the payment amount threshold corresponding to the customer stored in the bank server, the first function and the second function of the payment payee set to which the payment counterparty belongs;

[0009] The bank server sends the payment amount threshold corresponding to the customer's current payment transaction to the customer's mobile terminal, wherein the bank payment system of the mobile terminal controls the customer's current payment transaction based on the received payment amount threshold.

[0010] In a second aspect of an embodiment of the present invention, a device for controlling payment transaction risks is provided, comprising: a bank payment system and a bank server; wherein,

[0011] The bank payment system is deployed on the mobile terminal and is used to send the payment counterparty information of the payment transaction to the bank server when obtaining the payment transaction initiated by the customer;

[0012] The bank server is configured to determine the payment amount threshold corresponding to the current payment transaction based on the payment amount threshold corresponding to the customer stored in the bank server, the first function and the second function of the payment recipient set to which the payment counterparty belongs;

[0013] The payment amount threshold corresponding to the current payment transaction of the customer is sent to the mobile terminal of the customer, wherein the bank payment system of the mobile terminal controls the current payment transaction of the customer based on the received payment amount threshold.

[0014] In a third aspect of an embodiment of the present invention, a computer device is proposed, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements a method for controlling payment transaction risks when executing the computer program.

[0015] In a fourth aspect of an embodiment of the present invention, a computer-readable storage medium is provided, wherein the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, a method for controlling payment transaction risks is implemented.

[0016] In a fifth aspect of an embodiment of the present invention, a computer program product is proposed. The computer program product includes a computer program. When the computer program is executed by a processor, a method for controlling payment transaction risks is implemented.

[0017] The payment transaction risk control method and device of the present invention analyze the payment transaction initiated by the customer, and determine the payment amount threshold corresponding to the current payment transaction based on the payment amount threshold corresponding to the customer stored in the bank server and the first function and the second function of the payment payee set to which the payment counterparty belongs; the bank server sends the payment amount threshold corresponding to the current payment transaction of the customer to the mobile terminal of the customer, and the bank payment system of the mobile terminal controls the current payment transaction of the customer based on the received payment amount threshold, thereby achieving effective control of the payment transaction risk, ensuring the safety of customer property, preventing the occurrence of risky payment transactions, ensuring the smooth progress of payment transactions, and improving customer experience. BRIEF DESCRIPTION OF THE DRAWINGS

[0018] In order to more clearly illustrate the technical solutions of the embodiments of the present application, the following is a brief introduction to the drawings required for use in the description of the embodiments. Obviously, the drawings described below are some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without any creative work.

[0019] Figure 1 The figure is a flow chart of a method for controlling payment transaction risks according to an embodiment of the present invention.

[0020] Figure 2This is a flow chart of obtaining a payment recipient set according to an embodiment of the present invention.

[0021] Figure 3 This is a schematic diagram of the specific flow of the first function and the second function for determining a payment recipient set according to an embodiment of the present invention.

[0022] Figure 4 FIG. 1 is a schematic diagram of the architecture of a device for controlling payment transaction risks according to an embodiment of the present invention.

[0023] Figure 5 It is a schematic diagram of the structure of a computer device according to an embodiment of the present invention. DETAILED DESCRIPTION

[0024] The principles and spirit of the present invention will be described below with reference to several exemplary embodiments. It should be understood that these embodiments are provided solely to enable those skilled in the art to better understand and implement the present invention, and are not intended to limit the scope of the present invention in any way. Rather, these embodiments are provided to make this disclosure more thorough and complete, and to fully convey the scope of the present disclosure to those skilled in the art.

[0025] Those skilled in the art will appreciate that the embodiments of the present invention may be implemented as a system, apparatus, device, method, or computer program product. Therefore, the present disclosure may be implemented in the following forms: entirely in hardware, entirely in software (including firmware, resident software, microcode, etc.), or in a combination of hardware and software.

[0026] According to an embodiment of the present invention, a method and device for controlling payment transaction risks are proposed, which relate to the field of computer data processing technology.

[0027] The principles and spirit of the present invention are explained in detail below with reference to several representative embodiments of the present invention.

[0028] Figure 1 This is a flow chart of a method for controlling payment transaction risks according to an embodiment of the present invention. Figure 1 As shown, the method includes:

[0029] S1, when the bank payment system of the mobile terminal obtains the payment transaction initiated by the customer, it sends the payment counterparty information of this payment transaction to the bank server;

[0030] S2, the bank server determines the payment amount threshold corresponding to the current payment transaction based on the payment amount threshold corresponding to the customer stored in the bank server, the first function of the payment payee set to which the payment counterparty belongs, and the second function;

[0031] S3, the bank server sends the payment amount threshold corresponding to the customer's current payment transaction to the customer's mobile terminal, wherein the bank payment system of the mobile terminal controls the customer's current payment transaction based on the received payment amount threshold.

[0032] The present invention can achieve effective control of payment transaction risks, ensure the safety of customer property, prevent the occurrence of risky payment transactions, ensure the smooth progress of payment transactions, and improve customer experience.

[0033] In order to explain the above-mentioned payment transaction risk control method more clearly, each step is described in detail below.

[0034] In S1, when the bank payment system of the mobile terminal obtains the payment transaction initiated by the customer, it sends the payment counterparty information of this payment transaction to the bank server.

[0035] In S2, the bank server determines the payment amount threshold corresponding to this payment transaction based on the payment amount threshold corresponding to the customer stored in the bank server, the first function of the payment payee set to which the payment counterparty belongs, and the second function.

[0036] S2 is described in detail below.

[0037] In one embodiment, reference Figure 2 , the specific method to obtain the payment recipient set is:

[0038] S101, obtaining payment data and determining multiple payment recipients based on the payment data;

[0039] In actual application scenarios, banks provide payment services, but they are neither the payer nor the payee. Both the payer and the payee in a payment data entry are customers of the bank.

[0040] The customers involved in the payment data of the present invention are all considered to belong to the same bank, and cross-bank situations are not considered. For example, the payer of the payment is from bank1 and the payee of the payment is also from bank1.

[0041] S102, obtaining payment data corresponding to each payment payee, wherein the payment counterparty in the payment data corresponding to each payment payee is the payment payee;

[0042] In S101, multiple payment recipients can be obtained based on the payment data, for example:

[0043] 1. Payment data number 1001, t pays h 1000 yuan;

[0044] 2. Payment data number 1002, C pays h 2000 yuan;

[0045] 3. Payment data number 1003, f pays t 3000 yuan;

[0046] 4. Payment data number 1004, g pays h 2000 yuan;

[0047] In the above four payment data, t, c, f, and g are payment payers (payment customers), and h and t are payment recipients (payment counterparties).

[0048] In this regard, it can be determined that the payment recipients are h and t.

[0049] Execute S102 to obtain the payment data corresponding to the payment payee, that is, the payment data corresponding to (payment payee) h: payment data sequence number 1001, payment data sequence number 1002, and payment data sequence number 1004;

[0050] (payee) t corresponding payment data: payment data sequence number 1003;

[0051] Among them, the payment counterpart in the payment data corresponding to each payment recipient is the payment recipient. Therefore, the payment data corresponding to t obtained in S102 does not include the payment data sequence number 1001. In the payment data sequence number 1001, t is the payment payer (payment customer).

[0052] S103: Classify multiple payment payees according to the payment data corresponding to each payment payee to obtain multiple payment payee sets.

[0053] Specifically, (S103) multiple payment payees are classified according to the payment data corresponding to each payment payee to obtain multiple payment payee sets, including:

[0054] S1031, for each payment payee, the number of customers corresponding to each customer category among the payment customers included in the payment data corresponding to the payment payee;

[0055] S1032: Determine a distance function between payment recipients, wherein the independent variable of the distance function is any two payment recipients, and the distance function determines the distance between the two payment recipients according to the following formula:

[0056]

[0057] Where s1 and s2 are any two payment recipients, f(s1,s2) is the distance between s1 and s2, are the number of customers corresponding to the i-th customer category among the payment customers included in the payment data corresponding to payment recipient s1 and payment recipient s2;

[0058] S1033: Cluster multiple payment recipients based on the distance function of the payment recipients to obtain multiple payment recipient sets.

[0059] In one embodiment, reference Figure 3 , the specific method for determining the first function and the second function of the payment recipient set is:

[0060] S201, for each payment recipient set, determining a security vector corresponding to each payment recipient in the payment recipient set;

[0061] S202, determining a first payment recipient and a second payment recipient for each payment recipient set based on the security vector;

[0062] S203, for each payment payee set, determine the first function and the second function of the payment payee set based on the payment data corresponding to the first payment payee of the payment payee set and the payment data corresponding to the second payment payee of the payment payee set.

[0063] Specifically, (S201) for each payment payee set, determining a security vector corresponding to each payment payee in the payment payee set includes:

[0064] S2011, for each payment recipient in the payment recipient set, determine a safety factor sample for each customer category corresponding to the payment recipient based on the payment data corresponding to the payment recipient;

[0065] S2012, determining the security vector corresponding to the payment recipient, wherein the components of the security vector correspond one-to-one to the customer categories, and the component value of each component of the security vector is equal to the average value of the security factor samples of the payment recipient corresponding to the customer category corresponding to the component.

[0066] In a specific embodiment, (S2011) for each payment recipient in the payment recipient set, based on the payment data corresponding to the payment recipient, a safety factor sample corresponding to each customer category of the payment recipient is determined, including:

[0067] S01, set the subset number threshold;

[0068] S02, selecting payment data corresponding to each customer category from the payment data corresponding to the payment payee;

[0069] S03, dividing the payment data corresponding to each customer category into payment data subsets corresponding to each customer category, wherein the number of payment transactions included in each payment data subset is greater than a subset quantity threshold;

[0070] S04, determining a sample threshold corresponding to each customer category based on the payment data subset corresponding to the customer category;

[0071] S05, determining whether each customer category satisfies condition m: the ratio of the number of payment data subsets corresponding to the customer category to the sample threshold corresponding to the customer category is greater than or equal to 1;

[0072] S06, loop through the following steps until all customer categories meet condition m:

[0073] Select customer category k that does not meet condition m; obtain new payment data corresponding to the payment payee; select new payment data corresponding to customer category k from the new payment data; divide the new payment data corresponding to customer category k into new payment data subsets corresponding to customer category k, wherein the number of payment transactions contained in each new payment data subset is greater than the subset quantity threshold;

[0074] S07. For each customer category, when the customer category satisfies condition m, the proportion of payment transactions that do not involve risks in the payment data subset corresponding to the customer category is used as a safety factor sample of the payment recipient corresponding to the customer category.

[0075] In one embodiment, (S04) determining a sample threshold corresponding to each customer category based on the payment data subset corresponding to the customer category includes:

[0076] S041, set the maximum coefficient error ε and the maximum probability p that the risk coefficient error is greater than the maximum coefficient error;

[0077] S042, determining the proportion of payment transactions that do not involve risk among the payment transactions included in the payment data subset corresponding to the customer category;

[0078] S043, based on the number percentage, determine the sample variance corresponding to the customer category;

[0079] S044: Determine the sample threshold corresponding to the customer category as the square of the sample variance corresponding to the customer category and ε 2 ×p ratio.

[0080] Specifically, (S202) determining the first payment recipient and the second payment recipient of each payment recipient set based on the security vector includes:

[0081] S2021, determining a partial order for each set of payment recipients based on the security vector, wherein the partial order is used to determine whether payment recipient A is superior to payment recipient B among any two payment recipients in the set of payment recipients; if each component of the security vector corresponding to payment recipient A is greater than or equal to the corresponding component of the security vector corresponding to payment recipient B, then payment recipient A is superior to payment recipient B in the partial order;

[0082] S2022, determining a first payment recipient of each payment recipient set based on the partial order of the payment recipient set, wherein for each first payment recipient of the payment recipient set, there is no other payment recipient in the payment recipient set other than the first payment recipient such that the other payment recipient is superior to the first payment recipient;

[0083] S2023, taking the other payment recipients in the payment recipient set except the first payment recipient as the second payment recipients in the payment recipient set.

[0084] In one embodiment, (S2022) determining the first payment recipient of each payment recipient set according to the partial order of the payment recipient set includes:

[0085] S001, initializing the payment payee set to be determined and the payment payee set to be compared to the payment payee set;

[0086] S002, select any component of the security vector;

[0087] S003: Loop through the following three steps until the set of payment recipients to be determined is empty:

[0088] Take the payment recipient a whose corresponding security vector has the largest value in this component from the set of payment recipients to be determined, and compare this payment recipient a with each payment recipient b (except payment recipient a) in the set of payment recipients to be compared according to the partial order of the set of payment recipients;

[0089] If the payment recipient b is better than the payment recipient a, the payment recipient a is deleted from the set of payment recipients to be determined; if the payment recipient a is better than the payment recipient b, the payment recipient b is deleted from the set of payment recipients to be determined, and the payment recipient b is determined as the secondary payment recipient of the payment recipient a;

[0090] If it is confirmed based on the partial order of the payment payee set that each payment payee in the payment payee set to be compared except the payment payee a is not superior to payment payee a, then the payment payee a is taken as the first payment payee of the payment payee set, and the payment payee a is deleted from the payment payee set to be determined, and all secondary payment payees of the payment payee a are deleted from the payment payee set to be compared.

[0091] Specifically, (S203) for each payment payee set, determining the first function and the second function of the payment payee set based on the payment data corresponding to the first payment payee of the payment payee set and the payment data corresponding to the second payment payee of the payment payee set, including:

[0092] S2031, select multiple payment amount values;

[0093] S2032: For each payment amount value, determine the proportion of payment transactions involving risk in the payment data corresponding to the first payment recipient in the payment recipient set when the payment amount threshold is set to the payment amount value, and use the proportion as the first risk coefficient value corresponding to the payment amount value; and determine the proportion of payment transactions involving risk in the payment data corresponding to the second payment recipient in the payment recipient set when the payment amount threshold is set to the payment amount value, and use the proportion as the second risk coefficient value corresponding to the payment amount value;

[0094] S2033, constructing a first discrete payment function and a second discrete payment function, wherein the independent variable of the first discrete payment function is the multiple payment amount values, and the function value of the first discrete payment function corresponding to each payment amount value is equal to the first risk coefficient value corresponding to the payment amount value; and the independent variable of the second discrete payment function is the multiple payment amount values, and the function value of the second discrete payment function corresponding to each payment amount value is equal to the second risk coefficient value corresponding to the payment amount value;

[0095] S2034, making the first payment discrete function and the second payment discrete function continuous, using the continuous function corresponding to the first payment discrete function as the first function of the payment recipient set, and using the continuous function corresponding to the second payment discrete function as the second function of the payment recipient set.

[0096] Specifically, (S2) the bank server determines the payment amount threshold corresponding to the current payment transaction based on the payment amount threshold corresponding to the customer stored in the bank server, the first function of the payment payee set to which the payment counterparty belongs, and the second function, including:

[0097] S21, using the function value of the first function of the payment recipient set to which the payment counterparty belongs corresponding to the payment amount threshold stored by the customer on the bank server as the potential risk coefficient value corresponding to the current payment transaction;

[0098] S22, the function value of the potential risk coefficient value corresponding to the current payment transaction corresponding to the inverse function of the second function of the payment payee set to which the payment counterparty belongs is used as the payment amount threshold corresponding to the current payment transaction of the customer.

[0099] In S3, the bank server sends the payment amount threshold corresponding to the customer's current payment transaction to the customer's mobile terminal, wherein the bank payment system of the mobile terminal controls the customer's current payment transaction based on the received payment amount threshold.

[0100] It should be noted that although the operations of the method of the present invention are described in a specific order in the above embodiments and drawings, this does not require or imply that these operations must be performed in this specific order, or that all illustrated operations must be performed to achieve the desired results. Additionally or alternatively, certain steps may be omitted, multiple steps may be combined into one step, and / or one step may be broken down into multiple steps.

[0101] After introducing the method of the exemplary embodiment of the present invention, next, reference is made to Figure 4 A device for controlling payment transaction risks according to an exemplary embodiment of the present invention is introduced.

[0102] The implementation of the payment transaction risk control device can be referenced to the implementation of the aforementioned method, and any repetitive details will not be repeated. The terms "module" or "unit" used below may refer to a combination of software and / or hardware that implements a predetermined function. Although the devices described in the following embodiments are preferably implemented in software, implementation in hardware, or a combination of software and hardware, is also possible and contemplated.

[0103] Based on the same inventive concept, the present invention also proposes a payment transaction risk control device, such as Figure 4 As shown, the device includes: a bank payment system 110 and a bank server 120; wherein,

[0104] The bank payment system 110 is deployed on a mobile terminal and is used to send the payment counterparty information of the payment transaction to the bank server 120 when obtaining the payment transaction initiated by the customer;

[0105] The bank server 120 is configured to determine the payment amount threshold corresponding to the current payment transaction based on the payment amount threshold corresponding to the customer stored in the bank server, the first function of the payment payee set to which the payment counterparty belongs, and the second function;

[0106] The payment amount threshold corresponding to the current payment transaction of the customer is sent to the mobile terminal of the customer, wherein the bank payment system 110 of the mobile terminal controls the current payment transaction of the customer based on the received payment amount threshold.

[0107] In one embodiment, the bank server is further configured to:

[0108] Obtain payment data and determine multiple payment recipients based on the payment data;

[0109] Obtaining payment data corresponding to each payment payee, wherein the payment counterparty in the payment data corresponding to each payment payee is the payment payee;

[0110] Based on the payment data corresponding to each payment payee, multiple payment payees are classified to obtain multiple payment payee sets.

[0111] In one embodiment, the bank server is specifically configured to:

[0112] For each payment recipient, the number of customers of each customer category among the payment customers included in the payment data corresponding to the payment recipient;

[0113] Determine a distance function between payment recipients, wherein the independent variable of the distance function is any two payment recipients, and the distance function determines the distance between the two payment recipients according to the following formula:

[0114]

[0115] Where s1 and s2 are any two payment recipients, f(s1,s2) is the distance between s1 and s2, are the number of customers corresponding to the i-th customer category among the payment customers included in the payment data corresponding to payment recipient s1 and payment recipient s2;

[0116] Based on the distance function of the payee, multiple payees are clustered to obtain multiple payee sets.

[0117] In one embodiment, the bank server is further configured to:

[0118] For each payment recipient set, determine the security vector corresponding to each payment recipient in the payment recipient set;

[0119] Determining a first payment recipient and a second payment recipient for each payment recipient set based on the security vector;

[0120] For each payment payee set, a first function and a second function of the payment payee set are determined based on the payment data corresponding to the first payment payee of the payment payee set and the payment data corresponding to the second payment payee of the payment payee set.

[0121] In one embodiment, the bank server is specifically configured to:

[0122] For each payment recipient in the payment recipient set, determine a safety factor sample for each customer category corresponding to the payment recipient based on the payment data corresponding to the payment recipient;

[0123] Determine a security vector corresponding to the payment recipient, wherein the components of the security vector correspond one-to-one to the customer categories, and the component value of each component of the security vector is equal to the average value of the security factor samples of the payment recipient corresponding to the customer category corresponding to the component.

[0124] In one embodiment, the bank server is specifically configured to:

[0125] Determine a partial order for each set of payees based on the security vectors, where the partial order is used to determine whether payee A is superior to payee B among any two payees in the set; if each component of the security vector corresponding to payee A is greater than or equal to the corresponding component of the security vector corresponding to payee B, then payee A is superior to payee B in the partial order;

[0126] Determining a first payment recipient of each payment recipient set based on the partial order of the payment recipient set, wherein, for each first payment recipient of the payment recipient set, there is no other payment recipient in the payment recipient set other than the first payment recipient such that the other payment recipient is superior to the first payment recipient;

[0127] The other payment recipients in the payment recipient set except the first payment recipient are regarded as the second payment recipients in the payment recipient set.

[0128] In one embodiment, the bank server is specifically configured to:

[0129] Select multiple payment amount values;

[0130] For each payment amount value, determining the proportion of the number of payment transactions involving risk in the payment data corresponding to the first payment payee in the payment payee set when the payment amount threshold is set to the payment amount value, and using the proportion as the first risk coefficient value corresponding to the payment amount value; and determining the proportion of the number of payment transactions involving risk in the payment data corresponding to the second payment payee in the payment payee set when the payment amount threshold is set to the payment amount value, and using the proportion as the second risk coefficient value corresponding to the payment amount value;

[0131] Constructing a first payment discrete function and a second payment discrete function, wherein the independent variable of the first payment discrete function is the multiple payment amount values, and the function value of the first payment discrete function corresponding to each payment amount value is equal to the first risk coefficient value corresponding to the payment amount value; and the independent variable of the second payment discrete function is the multiple payment amount values, and the function value of the second payment discrete function corresponding to each payment amount value is equal to the second risk coefficient value corresponding to the payment amount value;

[0132] The first payment discrete function and the second payment discrete function are made continuous, and the continuous function corresponding to the first payment discrete function is used as the first function of the payment recipient set, and the continuous function corresponding to the second payment discrete function is used as the second function of the payment recipient set.

[0133] In one embodiment, the bank server is specifically configured to:

[0134] The function value of the first function of the payment payee set to which the payment counterparty belongs corresponding to the payment amount threshold stored by the customer on the bank server is used as the potential risk coefficient value corresponding to this payment transaction;

[0135] The function value of the potential risk coefficient value corresponding to this payment transaction corresponding to the inverse function of the second function of the payment recipient set to which the payment counterparty belongs is used as the payment amount threshold corresponding to this payment transaction of the customer.

[0136] It should be noted that while the detailed description above mentions several modules of the payment transaction risk control device, this division is merely exemplary and not mandatory. In practice, depending on the embodiments of the present invention, the features and functions of two or more modules described above may be embodied in a single module. Conversely, the features and functions of a single module described above may be further divided and embodied by multiple modules.

[0137] Based on the above invention concept, Figure 5As shown, the present invention also proposes a computer device 500, including a memory 510, a processor 520, and a computer program 530 stored in the memory 510 and executable on the processor 520, wherein the processor 520 implements the aforementioned payment transaction risk control method when executing the computer program 530.

[0138] Based on the aforementioned inventive concept, the present invention proposes a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the aforementioned payment transaction risk control method is implemented.

[0139] Based on the aforementioned inventive concept, the present invention proposes a computer program product, which includes a computer program. When the computer program is executed by a processor, a method for controlling payment transaction risks is implemented.

[0140] The payment transaction risk control method and device of the present invention analyze the payment transaction initiated by the customer, and determine the payment amount threshold corresponding to the current payment transaction based on the payment amount threshold corresponding to the customer stored in the bank server and the first function and the second function of the payment payee set to which the payment counterparty belongs; the bank server sends the payment amount threshold corresponding to the current payment transaction of the customer to the mobile terminal of the customer, and the bank payment system of the mobile terminal controls the current payment transaction of the customer based on the received payment amount threshold, thereby achieving effective control of the payment transaction risk, ensuring the safety of customer property, preventing the occurrence of risky payment transactions, ensuring the smooth progress of payment transactions, and improving customer experience.

[0141] Those skilled in the art will appreciate that embodiments of the present invention may be provided as methods, apparatus, or computer program products. Thus, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to magnetic disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0142] The present invention is described with reference to flowcharts and / or block diagrams of methods and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowcharts and / or block diagrams, as well as combinations of processes and / or blocks in the flowcharts and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowcharts and / or block diagrams. Figure 1 a process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0143] These computer program instructions may also be stored in a computer readable memory that can direct a computer or other programmable data processing device to work in a specific manner, so that the instructions stored in the computer readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 a process or multiple processes and / or boxes Figure 1 The function specified in one or more boxes.

[0144] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operational steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing the instructions executed on the computer or other programmable device for implementing the process. Figure 1 a process or multiple processes and / or boxes Figure 1 The steps for the function specified in one or more boxes.

[0145] Finally, it should be noted that the above-described embodiments are only specific implementation methods of the present invention, which are used to illustrate the technical solutions of the present invention, rather than to limit them. The scope of protection of the present invention is not limited thereto. Although the present invention has been described in detail with reference to the above-described embodiments, those skilled in the art should understand that any person skilled in the art can modify or easily conceive of changes to the technical solutions described in the above-described embodiments within the technical scope disclosed by the present invention, or replace some of the technical features therein with equivalents. Such modifications, changes, or replacements do not deviate from the spirit and scope of the technical solutions of the embodiments of the present invention, and should be included in the scope of protection of the present invention. Therefore, the scope of protection of the present invention shall be subject to the scope of protection of the claims.

Claims

1. A method for controlling payment transaction risks, characterized in that: include: S1, when the bank payment system of the mobile terminal obtains the payment transaction initiated by the customer, it sends the payment counterparty information of this payment transaction to the bank server; S2, the bank server determines the payment amount threshold corresponding to the current payment transaction based on the payment amount threshold corresponding to the customer stored in the bank server, the first function of the payment payee set to which the payment counterparty belongs, and the second function; S3: The bank server sends the payment amount threshold corresponding to the customer's current payment transaction to the customer's mobile terminal, wherein the bank payment system of the mobile terminal controls the customer's current payment transaction based on the received payment amount threshold; Among them, in S2, the specific method of obtaining the payment recipient set includes: S101, obtaining payment data and determining multiple payment recipients based on the payment data; S102, obtaining payment data corresponding to each payment payee, wherein the payment counterparty in the payment data corresponding to each payment payee is the payment payee; S103, classifying the multiple payment payees according to the payment data corresponding to each payment payee to obtain multiple payment payee sets; In S2, the specific method for determining the first function and the second function of the payment recipient set includes: S201, for each payment recipient set, determining a security vector corresponding to each payment recipient in the payment recipient set; S202, determining a first payment recipient and a second payment recipient for each payment recipient set based on the security vector; S203: For each payment payee set, determine a first function and a second function of the payment payee set based on the payment data corresponding to the first payment payee and the payment data corresponding to the second payment payee of the payment payee set; In S201, for each payment recipient set, determining a security vector corresponding to each payment recipient in the payment recipient set includes: S2011, for each payment recipient in the payment recipient set, determine a safety factor sample for each customer category corresponding to the payment recipient based on the payment data corresponding to the payment recipient; S2012, determining a security vector corresponding to the payment recipient, wherein the components of the security vector correspond one-to-one to the customer categories, and the value of each component of the security vector is equal to the average value of the security factor samples of the payment recipient corresponding to the customer category corresponding to the component; Wherein, S202, determining the first payment recipient and the second payment recipient of each payment recipient set based on the security vector, includes: S2021, determining a partial order for each set of payment recipients based on the security vector, wherein the partial order is used to determine whether payment recipient A is superior to payment recipient B among any two payment recipients in the set of payment recipients; if each component of the security vector corresponding to payment recipient A is greater than or equal to the corresponding component of the security vector corresponding to payment recipient B, then payment recipient A is superior to payment recipient B in the partial order; S2022, determining a first payment recipient of each payment recipient set based on the partial order of the payment recipient set, wherein for each first payment recipient of the payment recipient set, there is no other payment recipient in the payment recipient set other than the first payment recipient such that the other payment recipient is superior to the first payment recipient; S2023, taking the other payment recipients in the payment recipient set except the first payment recipient as the second payment recipients in the payment recipient set; In S203, for each payment payee set, determining a first function and a second function of the payment payee set based on payment data corresponding to a first payment payee and payment data corresponding to a second payment payee of the payment payee set includes: S2031, select multiple payment amount values; S2032: For each payment amount value, determine the proportion of payment transactions involving risk in the payment data corresponding to the first payment recipient in the payment recipient set when the payment amount threshold is set to the payment amount value, and use the proportion as the first risk coefficient value corresponding to the payment amount value; and determine the proportion of payment transactions involving risk in the payment data corresponding to the second payment recipient in the payment recipient set when the payment amount threshold is set to the payment amount value, and use the proportion as the second risk coefficient value corresponding to the payment amount value; S2033, constructing a first discrete payment function and a second discrete payment function, wherein the independent variable of the first discrete payment function is the multiple payment amount values, and the function value of the first discrete payment function corresponding to each payment amount value is equal to the first risk coefficient value corresponding to the payment amount value; and the independent variable of the second discrete payment function is the multiple payment amount values, and the function value of the second discrete payment function corresponding to each payment amount value is equal to the second risk coefficient value corresponding to the payment amount value; S2034, making the first payment discrete function and the second payment discrete function continuous, using the continuous function corresponding to the first payment discrete function as the first function of the payment recipient set, and using the continuous function corresponding to the second payment discrete function as the second function of the payment recipient set; In S2, the bank server determines the payment amount threshold corresponding to the current payment transaction based on the payment amount threshold corresponding to the customer stored on the bank server, the first function of the payment payee set to which the payment counterparty belongs, and the second function. The specific method includes: S21, using the function value of the first function of the payment recipient set to which the payment counterparty belongs corresponding to the payment amount threshold stored by the customer on the bank server as the potential risk coefficient value corresponding to the current payment transaction; S22, the function value of the potential risk coefficient value corresponding to the current payment transaction corresponding to the inverse function of the second function of the payment payee set to which the payment counterparty belongs is used as the payment amount threshold corresponding to the current payment transaction of the customer.

2. The method according to claim 1, wherein Based on the payment data corresponding to each payment payee, multiple payment payees are classified to obtain multiple payment payee sets, including: For each payment recipient, the number of customers of each customer category among the payment customers included in the payment data corresponding to the payment recipient; Determine a distance function between payment recipients, wherein the independent variable of the distance function is any two payment recipients, and the distance function determines the distance between the two payment recipients according to the following formula: Where s1 and s2 are any two payment recipients, f(s1,s2) is the distance between s1 and s2, are the number of customers corresponding to the i-th customer category among the payment customers included in the payment data corresponding to payment recipient s1 and payment recipient s2; Based on the distance function of the payee, multiple payees are clustered to obtain multiple payee sets.

3. A payment transaction risk control device, characterized in that: include: Bank payment systems and bank servers; among them, The bank payment system is deployed on the mobile terminal and is used to send the payment counterparty information of the payment transaction to the bank server when obtaining the payment transaction initiated by the customer; The bank server is configured to determine the payment amount threshold corresponding to the current payment transaction based on the payment amount threshold corresponding to the customer stored in the bank server, the first function and the second function of the payment recipient set to which the payment counterparty belongs; Sending the payment amount threshold corresponding to the customer's current payment transaction to the customer's mobile terminal, wherein the bank payment system of the mobile terminal controls the customer's current payment transaction based on the received payment amount threshold; The bank server, when obtaining the payment recipient set, is also used to: Obtain payment data and determine multiple payment recipients based on the payment data; Obtaining payment data corresponding to each payment payee, wherein the payment counterparty in the payment data corresponding to each payment payee is the payment payee; Classifying the multiple payment recipients according to the payment data corresponding to each payment recipient to obtain multiple payment recipient sets; The bank server, when determining the first function and the second function of the payment recipient set, is further configured to: For each payment recipient set, determine the security vector corresponding to each payment recipient in the payment recipient set; Determining a first payment recipient and a second payment recipient for each payment recipient set based on the security vector; For each payment payee set, determining a first function and a second function of the payment payee set based on the payment data corresponding to the first payment payee of the payment payee set and the payment data corresponding to the second payment payee of the payment payee set; The bank server, when determining the security vector corresponding to each payment payee in each payment payee set, is further configured to: For each payment recipient in the payment recipient set, determine a safety factor sample for each customer category corresponding to the payment recipient based on the payment data corresponding to the payment recipient; Determine a security vector corresponding to the payment recipient, wherein the components of the security vector correspond one-to-one to the customer categories, and the value of each component of the security vector is equal to the average value of the security factor samples of the payment recipient corresponding to the customer category corresponding to the component; The bank server, when determining the first payment recipient and the second payment recipient of each payment recipient set based on the security vector, is further configured to: Determine a partial order for each set of payees based on the security vectors, where the partial order is used to determine whether payee A is superior to payee B among any two payees in the set; if each component of the security vector corresponding to payee A is greater than or equal to the corresponding component of the security vector corresponding to payee B, then payee A is superior to payee B in the partial order; Determining a first payment recipient of each payment recipient set based on the partial order of the payment recipient set, wherein, for each first payment recipient of the payment recipient set, there is no other payment recipient in the payment recipient set other than the first payment recipient such that the other payment recipient is superior to the first payment recipient; The other payment recipients in the payment recipient set except the first payment recipient are used as the second payment recipients in the payment recipient set; The bank server, when determining the first function and the second function of each payment payee set based on the payment data corresponding to the first payment payee and the payment data corresponding to the second payment payee of the payment payee set, is further configured to: Select multiple payment amount values; For each payment amount value, determining the proportion of the number of payment transactions involving risk in the payment data corresponding to the first payment payee in the payment payee set when the payment amount threshold is set to the payment amount value, and using the proportion as the first risk coefficient value corresponding to the payment amount value; and determining the proportion of the number of payment transactions involving risk in the payment data corresponding to the second payment payee in the payment payee set when the payment amount threshold is set to the payment amount value, and using the proportion as the second risk coefficient value corresponding to the payment amount value; Constructing a first payment discrete function and a second payment discrete function, wherein the independent variable of the first payment discrete function is the multiple payment amount values, and the function value of the first payment discrete function corresponding to each payment amount value is equal to the first risk coefficient value corresponding to the payment amount value; and the independent variable of the second payment discrete function is the multiple payment amount values, and the function value of the second payment discrete function corresponding to each payment amount value is equal to the second risk coefficient value corresponding to the payment amount value; Continuing the first payment discrete function and the second payment discrete function, using the continuous function corresponding to the first payment discrete function as the first function of the payment payee set, and using the continuous function corresponding to the second payment discrete function as the second function of the payment payee set; The bank server, when determining the payment amount threshold corresponding to the current payment transaction based on the payment amount threshold corresponding to the customer stored in the bank server and the first function and the second function of the payment recipient set to which the payment counterparty belongs, is further configured to: The function value of the first function of the payment payee set to which the payment counterparty belongs corresponding to the payment amount threshold stored by the customer on the bank server is used as the potential risk coefficient value corresponding to this payment transaction; The function value of the potential risk coefficient value corresponding to this payment transaction corresponding to the inverse function of the second function of the payment recipient set to which the payment counterparty belongs is used as the payment amount threshold corresponding to this payment transaction of the customer.

4. The device according to claim 3, characterized in that The bank server is specifically used for: For each payment recipient, the number of customers of each customer category among the payment customers included in the payment data corresponding to the payment recipient; Determine a distance function between payment recipients, wherein the independent variable of the distance function is any two payment recipients, and the distance function determines the distance between the two payment recipients according to the following formula: Where s1 and s2 are any two payment recipients, f(s1,s2) is the distance between s1 and s2, are the number of customers corresponding to the i-th customer category among the payment customers included in the payment data corresponding to payment recipient s1 and payment recipient s2; Based on the distance function of the payee, multiple payees are clustered to obtain multiple payee sets.

5. A computer device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein: When the processor executes the computer program, the method according to any one of claims 1 to 2 is implemented.

6. A computer-readable storage medium, characterized in that The computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the method according to any one of claims 1 to 2 is implemented.

7. A computer program product, characterized in that The computer program product comprises a computer program, and when the computer program is executed by a processor, the method according to any one of claims 1 to 2 is implemented.

Images