Order return risk management and control method and device, electronic equipment and storage medium
By judging the abnormal expiration of rights and refund risks of member accounts, a joint refund of the initial order and target order is achieved, solving the problem of black industry operations between member levels and ensuring the stability of corporate funds and market order.
Patent Information
- Application Number
- CN202411072611.7
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- Filing Date
- 2024-08-06
- Publication Date
- 2024-12-13
AI Technical Summary
The existing technology is difficult to identify and deal with black industry operations between membership levels in a timely manner, resulting in corporate capital losses and disruption of market order.
By obtaining the initial order and equity information of the target account, we can determine whether there is any risk of equity expiration and refund of orders. If it exists, we will refund the initial order and the target order together to avoid a separate refund.
Effectively identify and crack down on the black industry behavior of members upgrading products, prevent black industry users from obtaining high-level rights and interests, reduce misjudgments and misjudgments, and improve the efficiency and reliability of risk monitoring and processing.
Smart Images
Figure CN119130578A_ABST
Abstract
Description
Technical Field
[0001] The present application relates to the field of computer technology, and in particular to a method, device, electronic device and storage medium for managing and controlling chargeback risks. Background Art
[0002] In modern membership services, members of different levels can enjoy different rights and interests, such as gold members, platinum members, star diamond members, etc. This membership level system greatly improves the user experience and platform benefits.
[0003] Some low-level members (such as gold members) can also obtain the rights and benefits of high-level members (such as platinum members) by upgrading.
[0004] However, this mechanism may also be exploited by criminals, who can obtain the rights and interests of high-level members at a very low cost by taking advantage of the price difference between low-level members (such as gold members) and high-level members (such as platinum members). The specific operation method includes: first purchasing a low-level membership, and then using the refund mechanism of the platform or APP to refund the low-level membership order, thereby obtaining the rights and interests of high-level members with only the upgrade fee. (i.e., black market behavior).
[0005] This behavior not only causes huge financial losses to enterprises, but also disrupts the normal membership system and market order. Therefore, there is an urgent need for a technical solution that can promptly identify and reasonably handle this kind of black market operation. Summary of the invention
[0006] The present application provides a chargeback risk management method, device, electronic device and storage medium to solve the problem in the prior art that there is a lack of technical solutions that can promptly identify and reasonably handle such black market operations.
[0007] In a first aspect, an embodiment of the present application provides a method for chargeback risk management, including:
[0008] Get the target account's return request for the initial order;
[0009] Acquire account information of a target account, wherein the account information includes equity information of the target account;
[0010] Determining whether the initial order has abnormal equity expiration based on the equity information;
[0011] If yes, obtain a target order for upgrading the initial order;
[0012] Based on the account information, determining whether the initial order has a chargeback risk;
[0013] If so, cancel both the initial order and the target order.
[0014] Optionally, the equity information includes a first expiration time of a first-level equity of the target account, and a second expiration time of a second-level equity, the first level being lower than the second level;
[0015] The abnormal situations of interest expiration include:
[0016] The first expiration time is shorter than the second expiration time.
[0017] Optionally, obtaining a target order for upgrading the initial order includes:
[0018] Obtaining the first time when the first level benefit in the initial order takes effect, and the second time when the return order is requested;
[0019] Acquire an upgrade order for upgrading the initial order between the first moment and the second moment, and upgrade order information of the upgrade order;
[0020] The expired upgrade orders are filtered based on the upgrade order information to obtain the target order.
[0021] Optionally, the account information further includes payment feature information of the target account; and judging whether the initial order has a chargeback risk based on the account information includes:
[0022] Comparing the payment characteristic information with a predetermined set of characteristic information that indicates a chargeback risk;
[0023] If the payment characteristic information is within the preset characteristic information set, it is determined that the initial order has a chargeback risk.
[0024] Optionally, the payment characteristic information includes location information of the account and / or payment information of the initial order.
[0025] Optionally, after judging whether the initial order has an abnormal equity expiration based on the equity information, the method further includes:
[0026] Determine that the interest expiration time is greater than the preset time.
[0027] In a second aspect, an embodiment of the present application provides a chargeback risk management device, including:
[0028] A first acquisition module is used to obtain a return order request of the target account for the initial order;
[0029] A second acquisition module, configured to acquire account information of a target account, wherein the account information includes equity information of the target account;
[0030] A first judgment module is used to judge whether the initial order has an abnormal equity expiration situation based on the equity information;
[0031] A third acquisition module is used to acquire a target order for upgrading the initial order when the initial order has an exception in terms of equity expiration;
[0032] A second judgment module is used to judge whether the initial order has a chargeback risk based on the account information;
[0033] The order return module is used to return the initial order and the target order together if they exist.
[0034] Optionally, the equity information includes a first expiration time of a first-level equity of the target account, and a second expiration time of a second-level equity, the first level being lower than the second level;
[0035] The abnormal situations of interest expiration include:
[0036] The first expiration time is shorter than the second expiration time.
[0037] Optionally, the third acquisition module includes:
[0038] A first acquisition unit, configured to acquire a first time when the first level benefit in the initial order takes effect, and a second time when the return order is requested;
[0039] A second acquisition unit is used to acquire an upgrade order for upgrading the initial order between the first moment and the second moment, and upgrade order information of the upgrade order;
[0040] A filtering unit is used to filter the expired upgrade orders based on the upgrade order information to obtain the target order.
[0041] Optionally, the account information further includes payment feature information of the target account; and the second judgment module specifically includes:
[0042] A comparison unit, configured to compare the payment characteristic information with a predetermined set of characteristic information that indicates a chargeback risk;
[0043] A determination unit is used to determine that there is a risk of chargeback for the initial order if the payment characteristic information is within the preset characteristic information set.
[0044] Optionally, the payment characteristic information includes location information of the account and / or payment information of the initial order.
[0045] Optionally, also include:
[0046] The first determining unit is used to determine whether the expiration period of the rights and interests is greater than a preset period.
[0047] In a third aspect, an embodiment of the present application provides an electronic device, comprising: a processor, a communication interface, a memory, and a communication bus, wherein the processor, the communication interface, and the memory communicate with each other via the communication bus;
[0048] The memory is used to store computer programs;
[0049] The processor is used to execute the program stored in the memory to implement the chargeback risk management method described in the first aspect.
[0050] In a fourth aspect, an embodiment of the present application provides a computer-readable storage medium storing a computer program, which, when executed by a processor, implements the method for managing and controlling return risk described in the first aspect.
[0051] The above technical solution provided by the embodiment of the present application has the following advantages compared with the prior art: the method provided by the embodiment of the present application obtains the return request of the target account for the initial order; obtains the account information of the target account, the account information includes the equity information of the target account; based on the equity information, determines whether the initial order has an abnormal equity expiration situation; if so, obtains the target order upgraded to the initial order; based on the account information, determines whether the initial order has a return risk; if so, returns the initial order together with the target order. In this way, after the user initiates a return request for the initial order, it is determined whether it has an abnormal equity expiration situation through the equity information of the target account, and if there is an abnormal equity expiration situation, it is determined whether there is a return risk. If there is a return risk, the initial order and the target order upgraded to it are returned together, thereby avoiding the return of the initial order with an abnormal equity expiration situation, avoiding the loss of corporate funds, and maintaining the normal membership system and market order. BRIEF DESCRIPTION OF THE DRAWINGS
[0052] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the invention and, together with the description, serve to explain the principles of the invention.
[0053] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, for ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative labor.
[0054] Figure 1 An application scenario diagram of the chargeback risk management method provided in one embodiment of the present application;
[0055] Figure 2 A flowchart of a method for managing chargeback risk provided in one embodiment of the present application;
[0056] Figure 3 A schematic diagram of an application platform for a method for managing and controlling chargeback risks provided in an embodiment of the present application;
[0057] Figure 4 A structural diagram of a chargeback risk management device provided in one embodiment of the present application;
[0058] Figure 5 A structural diagram of an electronic device provided in one embodiment of the present application. DETAILED DESCRIPTION
[0059] In order to make the purpose, technical solution and advantages of the embodiments of the present application clearer, the technical solution in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments are part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without making creative work are within the scope of protection of this application.
[0060] According to an embodiment of the present application, a chargeback risk management method is provided. Optionally, in the embodiment of the present application, the chargeback risk management method can be applied to Figure 1 In the hardware environment composed of the terminal 101 and the server 102 shown in FIG. Figure 1 As shown, the server 102 is connected to the terminal 101 via a network, and can be used to provide services (such as application services, etc.) for the terminal or a client installed on the terminal. A database can be set on the server or independently of the server to provide data storage services for the server 102. The above-mentioned network includes but is not limited to: a wide area network, a metropolitan area network or a local area network, and the terminal 101 is not limited to a PC, a mobile phone, a tablet computer, etc.
[0061] The chargeback risk control method of the embodiment of the present application may be executed by the server 102, or by the terminal 101, or by both the server 102 and the terminal 101. The chargeback risk control method of the embodiment of the present application may be executed by the terminal 101, or by a client installed thereon.
[0062] Taking the method for managing and controlling the return order risk of the embodiment of the present application as an example, Figure 2 is a flow chart of an optional method for managing and controlling return risk according to an embodiment of the present application, such as Figure 2 As shown, the process of the method may include the following steps:
[0063] Step 201: Obtain a return request from the target account for the initial order.
[0064] In some embodiments, the user can log in to the relevant platform or APP with his / her own account and password, and after querying the initial order, initiate a return order for the initial order, so that the terminal can obtain the return order request.
[0065] Step 202: Obtain account information of the target account, where the account information includes equity information of the target account.
[0066] In some embodiments, after the user logs into the platform, the account information of the target account can be obtained from the background data of the target account.
[0067] The account information includes the equity information of the target account.
[0068] It is understandable that when users choose different membership levels, they will obtain different rights and interests. The higher the membership level, the more rights and interests they will obtain, and the rights and interests of the higher membership level include the rights and interests of the lower membership level. The rights and interests are bound to the user's target account. Based on this, the rights and interests information can be obtained from the account information of the target account.
[0069] Exemplarily, membership levels from low to high may include gold membership, platinum membership, diamond membership, etc. After the target account obtains a lower level such as gold membership, if it wants to obtain more rights and interests, it can upgrade to platinum membership through membership upgrade. The rights and interests of gold members include A rights and B rights. After upgrading to platinum members, their rights and interests include C rights and D rights in addition to A rights and B rights.
[0070] Step 203 , based on the equity information, determine whether the initial order has any abnormal equity expiration situation; if so, execute step 204 ; otherwise, execute step 207 .
[0071] In some embodiments, when the benefit information is a higher level benefit, if the benefit information is obtained through an upgrade, the initial order may be an order before the upgrade; if the benefit information is obtained directly, the initial order may be an order when the benefit information is obtained.
[0072] Among them, the above-mentioned higher levels refer to levels other than the lowest level.
[0073] Based on the above-mentioned relevant embodiments, the rights and interests obtained after upgrading a certain level include the rights and interests of the original level. Therefore, under normal circumstances, the expiration time of the rights and interests of the original level should be longer than the expiration time of the rights and interests of the upgraded level. Therefore, the abnormal expiration of rights and interests in this application refers to the abnormal expiration time of the low-level rights and interests, that is, the expiration time of the low-level rights and interests is shorter than the expiration time of the high-level rights and interests, which can also be called the situation of rights and interests being shortened.
[0074] In an optional embodiment, the equity information includes a first expiration time of a first-level equity of the target account and a second expiration time of a second-level equity, wherein the first level is lower than the second level; the situation of the equity expiration exception includes:
[0075] The first expiration time is shorter than the second expiration time.
[0076] Among them, the first expiration period can be determined by the time from the time when the first level benefits take effect to the time when the user initiates a return request, and the second expiration period can be determined by the time from the time when the first level benefits take effect to the time when the second level benefits expire.
[0077] For example, a user obtains first-level benefits at 12:00 on January 1, and the validity period of the first-level benefits is 6 months, then the first-level benefits take effect at 12:00 on January 1; the user initiates an upgrade request at 12:00 on February 1, and obtains second-level benefits, and the validity period of the second-level benefits is 5 months; the user initiates a refund request at 12:00 on March 1, thus, the first expiration period is from 12:00 on January 1 to 12:00 on March 1, that is, 2 months, and the second expiration period is from 12:00 on January 1 to 12:00 on July 1, that is, 6 months, so that the first expiration period is less than the second expiration period, resulting in an abnormal expiration of benefits.
[0078] In an optional embodiment, after judging whether the initial order has abnormal equity expiration based on the equity information, the method further includes:
[0079] Determine that the interest expiration time is greater than the preset time.
[0080] In some embodiments, in order to avoid misjudgment, after determining that the target account has an abnormal expiration of rights and interests, the cause of the abnormality can also be determined by calculating the expiration time of the rights and interests of the low-level rights and interests. If the expiration time of the rights and interests is less than the preset time, the above-mentioned return request can be directly processed and the initial order can be returned. If the expiration time of the rights and interests is greater than the preset time, it is necessary to further inspect the initial order of the return request to determine whether it involves any black market behavior.
[0081] The preset duration may be set based on actual conditions, for example, but not limited to, 30 days.
[0082] Specifically, it can be determined whether the refund period exceeds 30 days. If it is less than 30 days, it will not be processed; if the refund period is greater than 30 days, query the corresponding original order (i.e., the initial order) based on the refund order; query all upgraded orders after the original order payment time and before the refund order time, and filter out expired and refunded orders; and conduct refund analysis on the filtered information.
[0083] Step 204: Obtain a target order for upgrading the initial order.
[0084] In some embodiments, after obtaining the rights and interests of the initial order, the user may have more needs and upgrade the initial order. During this process, the upgrade may fail due to payment anomalies, network anomalies, etc., resulting in an invalid upgrade order. The user may also succeed in payment, obtain more rights and interests, and obtain the target order.
[0085] In an optional embodiment, obtaining a target order for upgrading the initial order includes:
[0086] Obtaining the first time when the first level benefit in the initial order takes effect, and the second time when the return order is requested;
[0087] Acquire an upgrade order for upgrading the initial order between the first moment and the second moment, and upgrade order information of the upgrade order;
[0088] The expired upgrade orders are filtered based on the upgrade order information to obtain the target order.
[0089] In some embodiments, for a return request with a return period greater than 30 days, the corresponding original order (i.e., the initial order) is queried based on the return order; all upgraded orders after the original order payment time and before the return order time are queried, and invalid (expired and refunded) orders are filtered; and a refund analysis is then performed on the filtered information.
[0090] Step 205 , based on the account information, determine whether the initial order has a chargeback risk; if so, execute step 206 , otherwise, execute step 207 .
[0091] In some embodiments, the risk of chargeback can be understood as the fact that after the initial order is charged back, the enterprise will suffer financial losses and the normal membership system will be disrupted.
[0092] Furthermore, a black market model can be established, and after the account information is input into the black market model, the black market model can be used to analyze the account information to determine whether the return order request is a black market behavior. The black market model can be obtained by training the machine learning model with pre-collected sample data to improve the accuracy of the judgment result.
[0093] In an optional embodiment, the account information further includes payment feature information of the target account; and judging whether the initial order has a chargeback risk based on the account information includes:
[0094] Comparing the payment characteristic information with a predetermined set of characteristic information that indicates a chargeback risk;
[0095] If the payment characteristic information is within the preset characteristic information set, it is determined that the initial order has a chargeback risk.
[0096] In some embodiments, in order to prevent some accounts from profiteering by exploiting platform loopholes, the payment feature information of the target account can be monitored. If the payment feature information is compared with a preset feature information set where black market behaviors often occur, and if the payment feature information is within the preset feature information set, it is determined that the initial order is at risk of being returned.
[0097] The payment characteristic information includes the location information of the account and / or the payment information of the initial order.
[0098] Step 206: cancel the initial order and the target order together.
[0099] In some embodiments, when the request for return order is for a shortfall in rights and interests, and there is illegal activity, the request to return only the initial order is rejected, and the initial order and the target order are returned together to protect the rights and interests of the enterprise.
[0100] Step 207: Return the initial order.
[0101] In some embodiments, when there is no shortfall in the rights and interests in the return order request, or when there is no illegal activity, the initial order can be returned to meet the needs of the user.
[0102] The main goal of the chargeback risk control method in this application is to accurately and timely identify and combat illegal activities of member product upgrades. Specifically, it includes identifying member refund requests and initiating the recovery of rights; analyzing the timestamps of refund orders and upgrade orders; using risk control models to identify whether there are illegal characteristics; and handling and reporting illegal activities.
[0103] This achieves: real-time risk monitoring, through real-time monitoring and recovery of low-level membership rights, it can immediately prevent black market users from obtaining high-level rights; data analysis and model recognition, using user behavior data and risk control models to accurately identify black market behavior, effectively reducing misjudgments and missed judgments; automated and intelligent processing, the system works together to achieve automated monitoring, analysis and processing, improving efficiency and reliability.
[0104] In a specific embodiment, the above platform or APP can be set as follows Figure 3 The different service units shown include refund service, membership rights service, order inquiry service, risk control service, customer service service and approval service.
[0105] Specifically, the user initiates a refund request on the platform or APP, and the refund service initiates a request to recover the benefits of the lower-level membership. The member rights service monitors each refund and analyzes whether there is a refund of the benefits (that is, the expiration time of the lower-level benefits is less than the expiration time of the higher-level benefits). If there is a refund of the benefits, the member rights service notifies the refund service, including the refund number, the refund time, and the higher-level membership level type.
[0106] The refund service uses the following strategies to determine the reason for the refund:
[0107] Determine whether the refund period exceeds 30 days. If it is less than 30 days, it will not be processed. If the refund period is greater than 30 days, the refund service will query the corresponding original order based on the refund order. Call the order query service to query all upgraded orders after the original order payment time and before the refund time, and filter out expired and refunded orders. Add the filtered information to the refund analysis.
[0108] The refund service notifies the risk control service of the refund order number, original order number, refund duration, and filtered upgrade order information; the risk control service uses the built-in black market model to detect the order to determine whether it is a black market behavior; and returns the detection results to the refund service.
[0109] Customer service determines whether the order meets the characteristics of the black industry based on the detection information provided by the risk control service. For orders that meet the characteristics of the black industry, customer service initiates the approval process through the OA system, and initiates refund processing for the associated upgrade orders.
[0110] The chargeback risk management method of this application realizes automated and systematic monitoring and processing through the collaborative work of refund services, member rights services, order query services and risk control services, and establishes a systematic black market detection and processing mechanism. By real-time monitoring of each refund request, analyzing user behavior, identifying high-risk transactions, initiating further testing to the risk control model, and finally processing and reporting by the customer service system.
[0111] Based on the same concept, a chargeback risk management device is provided in the embodiment of the present application. The specific implementation of the device can be found in the description of the method embodiment part, and the repeated parts will not be repeated. Figure 4 As shown, the device mainly includes:
[0112] The first acquisition module 401 is used to obtain a return request of the target account for the initial order;
[0113] In some embodiments, the user can log in to the relevant platform or APP with his / her own account and password, and after querying the initial order, initiate a return order for the initial order, so that the terminal can obtain the return order request.
[0114] A second acquisition module 402 is used to acquire account information of a target account, wherein the account information includes equity information of the target account;
[0115] In some embodiments, after the user logs into the platform, the account information of the target account can be obtained from the background data of the target account.
[0116] The account information includes the equity information of the target account.
[0117] It is understandable that when users choose different membership levels, they will obtain different rights and interests. The higher the membership level, the more rights and interests they will obtain, and the rights and interests of the higher membership level include the rights and interests of the lower membership level. The rights and interests are bound to the user's target account. Based on this, the rights and interests information can be obtained from the account information of the target account.
[0118] Exemplarily, membership levels from low to high may include gold membership, platinum membership, diamond membership, etc. After the target account obtains a lower level such as gold membership, if it wants to obtain more rights and interests, it can upgrade to platinum membership through membership upgrade. The rights and interests of gold members include A rights and B rights. After upgrading to platinum members, their rights and interests include C rights and D rights in addition to A rights and B rights.
[0119] The first judgment module 403 is used to judge whether the initial order has an abnormal equity expiration situation based on the equity information;
[0120] In some embodiments, when the benefit information is a higher level benefit, if the benefit information is obtained through an upgrade, the initial order may be an order before the upgrade; if the benefit information is obtained directly, the initial order may be an order when the benefit information is obtained.
[0121] Among them, the above-mentioned higher levels refer to levels other than the lowest level.
[0122] Based on the above-mentioned relevant embodiments, the rights and interests obtained after upgrading a certain level include the rights and interests of the original level. Therefore, under normal circumstances, the expiration time of the rights and interests of the original level should be longer than the expiration time of the rights and interests of the upgraded level. Therefore, the abnormal expiration of rights and interests in this application refers to the abnormal expiration time of the low-level rights and interests, that is, the expiration time of the low-level rights and interests is shorter than the expiration time of the high-level rights and interests, which can also be called the situation of rights and interests being shortened.
[0123] The third acquisition module 404 is used to acquire a target order for upgrading the initial order when the initial order has an equity expiration exception;
[0124] In some embodiments, after obtaining the rights and interests of the initial order, the user may have more needs and upgrade the initial order. During this process, the upgrade may fail due to payment anomalies, network anomalies, etc., resulting in an invalid upgrade order. The user may also succeed in payment, obtain more rights and interests, and obtain the target order.
[0125] A second determination module 405 is used to determine whether the initial order has a chargeback risk based on the account information;
[0126] In some embodiments, the risk of chargeback can be understood as the fact that after the initial order is charged back, the enterprise will suffer financial losses and the normal membership system will be disrupted.
[0127] Furthermore, a black market model can be established, and after the account information is input into the black market model, the black market model can be used to analyze the account information to determine whether the return order request is a black market behavior. The black market model can be obtained by training the machine learning model with pre-collected sample data to improve the accuracy of the judgment result.
[0128] The order return module 406 is used to return the initial order and the target order together if they exist.
[0129] In some embodiments, when the request for return order is for a shortfall in rights and interests, and there is illegal activity, the request to return only the initial order is rejected, and the initial order and the target order are returned together to protect the rights and interests of the enterprise.
[0130] Optionally, the equity information includes a first expiration time of a first-level equity of the target account, and a second expiration time of a second-level equity, the first level being lower than the second level;
[0131] The abnormal situations of interest expiration include:
[0132] The first expiration time is shorter than the second expiration time.
[0133] Optionally, the third acquisition module includes:
[0134] A first acquisition unit, configured to acquire a first time when the first level benefit in the initial order takes effect, and a second time when the return order is requested;
[0135] A second acquisition unit is used to acquire an upgrade order for upgrading the initial order between the first moment and the second moment, and upgrade order information of the upgrade order;
[0136] A filtering unit is used to filter the expired upgrade orders based on the upgrade order information to obtain the target order.
[0137] Optionally, the account information further includes payment feature information of the target account; and the second judgment module specifically includes:
[0138] A comparison unit, configured to compare the payment characteristic information with a predetermined set of characteristic information that indicates a chargeback risk;
[0139] A determination unit is used to determine that there is a risk of chargeback for the initial order if the payment characteristic information is within the preset characteristic information set.
[0140] Optionally, the payment characteristic information includes location information of the account and / or payment information of the initial order.
[0141] Optionally, it also includes: a first determination unit, used to determine whether the expiration period of the rights and interests is greater than a preset period.
[0142] In some embodiments, in order to avoid misjudgment, after determining that the target account has an abnormal expiration of rights and interests, the cause of the abnormality can also be determined by calculating the expiration time of the rights and interests of the low-level rights and interests. If the expiration time of the rights and interests is less than the preset time, the above-mentioned return request can be directly processed and the initial order can be returned. If the expiration time of the rights and interests is greater than the preset time, it is necessary to further inspect the initial order of the return request to determine whether it involves any black market behavior.
[0143] The preset duration may be set based on actual conditions, for example, but not limited to, 30 days.
[0144] Specifically, it can be determined whether the refund period exceeds 30 days. If it is less than 30 days, it will not be processed; if the refund period is greater than 30 days, query the corresponding original order (i.e., the initial order) based on the refund order; query all upgraded orders after the original order payment time and before the refund order time, and filter out expired and refunded orders; and conduct refund analysis on the filtered information.
[0145] The order refund risk control device of this application can accurately and timely identify and combat the illegal activities of member product upgrades. Specifically, it includes identifying member refund requests and initiating the recovery of rights; analyzing the timestamps of refund orders and upgrade orders; using risk control models to identify whether there are illegal activities; and processing and reporting illegal activities.
[0146] This achieves: real-time risk monitoring, through real-time monitoring and recovery of low-level membership rights, it can immediately prevent black market users from obtaining high-level rights; data analysis and model recognition, using user behavior data and risk control models to accurately identify black market behavior, effectively reducing misjudgments and missed judgments; automated and intelligent processing, the system works together to achieve automated monitoring, analysis and processing, improving efficiency and reliability.
[0147] Based on the same concept, an electronic device is also provided in the embodiment of the present application, such as Figure 5 As shown, the electronic device mainly includes: a processor 501, a memory 502 and a communication bus 503, wherein the processor 501 and the memory 502 communicate with each other through the communication bus 503. The memory 502 stores a program executable by the processor 501, and the processor 501 executes the program stored in the memory 502 to implement the following steps:
[0148] Get the target account's return request for the initial order;
[0149] Acquire account information of a target account, wherein the account information includes equity information of the target account;
[0150] Determining whether the initial order has abnormal equity expiration based on the equity information;
[0151] If yes, obtain a target order for upgrading the initial order;
[0152] Based on the account information, determining whether the initial order has a chargeback risk;
[0153] If so, cancel both the initial order and the target order.
[0154] Optionally, the equity information includes a first expiration time of a first-level equity of the target account, and a second expiration time of a second-level equity, the first level being lower than the second level;
[0155] The abnormal situations of interest expiration include:
[0156] The first expiration time is shorter than the second expiration time.
[0157] Optionally, obtaining a target order for upgrading the initial order includes:
[0158] Obtaining the first time when the first level benefit in the initial order takes effect, and the second time when the return order is requested;
[0159] Acquire an upgrade order for upgrading the initial order between the first moment and the second moment, and upgrade order information of the upgrade order;
[0160] The expired upgrade orders are filtered based on the upgrade order information to obtain the target order.
[0161] Optionally, the account information further includes payment feature information of the target account; and judging whether the initial order has a chargeback risk based on the account information includes:
[0162] Comparing the payment characteristic information with a predetermined set of characteristic information that indicates a chargeback risk;
[0163] If the payment characteristic information is within the preset characteristic information set, it is determined that the initial order has a chargeback risk.
[0164] Optionally, the payment characteristic information includes location information of the account and / or payment information of the initial order.
[0165] Optionally, after judging whether the initial order has an abnormal equity expiration based on the equity information, the method further includes:
[0166] Determine that the expiration date of the interest is greater than the preset period.
[0167] The communication bus 503 mentioned in the above electronic device can be a Peripheral Component Interconnect (PCI) bus or an Extended Industry Standard Architecture (EISA) bus. The communication bus 503 can be divided into an address bus, a data bus, a control bus, etc. For ease of representation, Figure 5 Only one thick line is used in the diagram, but this does not mean that there is only one bus or only one type of bus.
[0168] The memory 502 may include a random access memory (RAM) or a non-volatile memory, such as at least one disk memory. Alternatively, the memory may also be at least one storage device located away from the processor 501 .
[0169] The above-mentioned processor 501 can be a general-purpose processor, including a central processing unit (CPU), a network processor (NP), etc., and can also be a digital signal processor (DSP), an application specific integrated circuit (ASIC), a field programmable gate array (FPGA) or other programmable logic devices, discrete gates or transistor logic devices, discrete hardware components.
[0170] In another embodiment of the present application, a computer-readable storage medium is provided, in which a computer program is stored. When the computer program runs on a computer, the computer executes the return order risk management method described in the above embodiment.
[0171] In the above embodiments, it can be implemented in whole or in part by software, hardware, firmware or any combination thereof. When implemented using software, it can be implemented in whole or in part in the form of a computer program product. The computer program product includes one or more computer instructions. When the computer instruction is loaded and executed on a computer, the process or function described in the embodiment of the present application is generated in whole or in part. The computer can be a general-purpose computer, a special-purpose computer, a computer network or other programmable device. The computer instruction can be stored in a computer-readable storage medium, or transmitted from one computer-readable storage medium to another computer-readable storage medium, for example, the computer instruction is transmitted from a website site, a computer, a server or a data center by wired (such as coaxial cable, optical fiber, digital subscriber line (DSL)) or wireless (such as infrared, microwave, etc.) mode to another website site, computer, server or data center. The computer-readable storage medium can be any available medium that a computer can access or a data storage device such as a server, a data center, etc. that contains one or more available media integration. The available medium can be a magnetic medium (such as a floppy disk, a hard disk, a magnetic tape, etc.), an optical medium (such as a DVD) or a semiconductor medium (such as a solid-state hard disk), etc.
[0172] It should be noted that, in this article, relational terms such as "first" and "second" are only used to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any such actual relationship or order between these entities or operations. Moreover, the terms "include", "comprise" or any other variants thereof are intended to cover non-exclusive inclusion, so that a process, method, article or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, article or device. In the absence of further restrictions, the elements defined by the sentence "comprise a ..." do not exclude the existence of other identical elements in the process, method, article or device including the elements.
[0173] The foregoing is merely a specific embodiment of the present invention, which enables those skilled in the art to understand or implement the present invention. Various modifications to these embodiments will be apparent to those skilled in the art, and the general principles defined herein may be implemented in other embodiments without departing from the spirit or scope of the present invention. Therefore, the present invention will not be limited to the embodiments shown herein, but rather to the widest scope consistent with the principles and novel features claimed herein.
Claims
1. A method for managing and controlling chargeback risks, characterized in that: include: Get the target account's return request for the initial order; Acquire account information of a target account, wherein the account information includes equity information of the target account; Determining whether the initial order has abnormal equity expiration based on the equity information; If yes, obtain a target order for upgrading the initial order; Based on the account information, determining whether the initial order has a chargeback risk; If so, cancel both the initial order and the target order.
2. The chargeback risk management method according to claim 1, characterized in that: The equity information includes a first expiration time of a first-level equity of the target account and a second expiration time of a second-level equity, the first level being lower than the second level; The abnormal situations of interest expiration include: The first expiration time is shorter than the second expiration time.
3. The chargeback risk management method according to claim 1, characterized in that: Obtaining a target order for upgrading the initial order, including: Obtaining the first time when the first level benefit in the initial order takes effect, and the second time when the return order is requested; Acquire an upgrade order for upgrading the initial order between the first moment and the second moment, and upgrade order information of the upgrade order; The expired upgrade orders are filtered based on the upgrade order information to obtain the target order.
4. The chargeback risk management method according to claim 1, characterized in that: The account information also includes payment feature information of the target account; Based on the account information, determining whether the initial order has a chargeback risk includes: Comparing the payment characteristic information with a predetermined set of characteristic information that indicates a chargeback risk; If the payment characteristic information is within the preset characteristic information set, it is determined that the initial order has a chargeback risk.
5. The chargeback risk management method according to claim 4, characterized in that: The payment characteristic information includes the location information of the account and / or the payment information of the initial order.
6. The chargeback risk management method according to claim 1, characterized in that: After judging whether the initial order has abnormal equity expiration based on the equity information, the method further includes: Determine that the interest expiration time is greater than the preset time.
7. A chargeback risk management device, characterized in that: include: A first acquisition module is used to obtain a return order request of the target account for the initial order; A second acquisition module, configured to acquire account information of a target account, wherein the account information includes equity information of the target account; A first judgment module is used to judge whether the initial order has an abnormal equity expiration situation based on the equity information; A third acquisition module is used to acquire a target order for upgrading the initial order when the initial order has an exception in terms of equity expiration; A second judgment module is used to judge whether the initial order has a chargeback risk based on the account information; The order return module is used to return the initial order and the target order together if they exist.
8. The chargeback risk management device according to claim 7, characterized in that: The account information also includes payment feature information of the target account; the second judgment module specifically includes: A comparison unit, configured to compare the payment characteristic information with a predetermined set of characteristic information that indicates a chargeback risk; A determination unit is used to determine that there is a risk of chargeback for the initial order if the payment characteristic information is within the preset characteristic information set.
9. An electronic device, characterized in that: include: A processor, a communication interface, a memory and a communication bus, wherein the processor, the communication interface and the memory communicate with each other via the communication bus; The memory is used to store computer programs; The processor is used to execute the program stored in the memory to implement the chargeback risk management method described in any one of claims 1-7.
10. A computer-readable storage medium storing a computer program, characterized in that: When the computer program is executed by a processor, the chargeback risk management method according to any one of claims 1 to 7 is implemented.