Payment account evaluation method, device and equipment

Abstract

The embodiment of the invention provides a payment account evaluation method, device and equipment, and the method comprises the steps: obtaining payment account evaluation rule information in response to a received payment account and payment information submitted by a target object, the payment information at least comprising a payment school, a payment amount and a payment purpose, the payment account evaluation rule information comprises account rule information and payment rule information; determining a first risk score of the payment account according to a corresponding relationship between the payment school, the payment amount and the payment purpose and the payment rule information; account flow information and account state information of the payment account are obtained, and the account state information comprises attribute state information, payment state information and credit state information; determining a second risk score of the payment account according to the account flow information of the payment account and the corresponding relationship between the account state information and the account rule information; and determining a target score of the payment account according to the first risk score and the second risk score. And the risk assessment of the payment account is realized.

Description

Technical Field

[0001] The present invention relates to the field of financial technology and related technical fields, and in particular to a payment account evaluation method, device and equipment. Background Art

[0002] With the development of globalization, more and more students choose to study abroad, and the complexity of tuition payment business has also increased. This process not only involves financial issues such as cross-border payments and exchange rate fluctuations, but also involves different compliance requirements for payment behavior in different countries and schools. For example, different countries may have strict regulations on foreign exchange payments, bank channels, and sources of funds, and different schools may have different standards for the accuracy of payment information (such as payment amount, student number, and student identity).

[0003] Currently, compliance reviews mostly rely on manual operations and are unable to cope with the changing and complex international payment and compliance requirements. Moreover, in traditional systems, users are usually unable to understand the compliance status of their payment process in real time, which lacks transparency.

[0004] Therefore, there is an urgent need for a new system that can intelligently and automatically complete compliance reviews of payment accounts to improve user experience and compliance efficiency. Summary of the invention

[0005] The embodiments described herein provide a payment account evaluation method, apparatus, and device to solve the problems existing in the prior art.

[0006] In a first aspect, according to the present disclosure, a payment account evaluation method is provided, comprising: In response to the payment account and payment information submitted by the target object, obtaining payment account evaluation rule information, wherein the payment information at least includes the payment school, payment amount and payment purpose, and the payment account evaluation rule information includes account rule information and payment rule information; Determine a first risk score of the payment account according to the correspondence between the payment school, the payment amount, the payment purpose and the payment rule information; Obtaining account flow information and account status information of the payment account, wherein the account status information includes attribute status information, payment status information and credit status information; Determining a second risk score of the payment account according to a correspondence between the account flow information and the account status information of the payment account and the account rule information; A target score for the payment account is determined based on the first risk score and the second risk score.

[0007] In some embodiments of the present disclosure, before determining the target score of the payment account according to the first risk score and the second risk score, the method further includes: Determining a first abnormality score of the payment account according to the payment school, the payment amount and the payment purpose; Determining a second abnormality score of the payment account according to the account flow information and account status information of the payment account; The determining, according to the first risk score and the second risk score, a target score for the payment account includes: A target score for the payment account is determined according to the first risk score, the second risk score, the first anomaly score, and the second anomaly score.

[0008] In some embodiments of the present disclosure, determining the first risk score of the payment account according to the correspondence between the payment school, the payment amount, the payment purpose and the payment rule information includes: According to the payment school, target payment rule information is screened out from the payment rule information; A first risk score of the payment account is determined according to a correspondence between the payment purpose and the payment amount and the target payment rule information.

[0009] In some embodiments of the present disclosure, determining the second risk score of the payment account according to the correspondence between the account flow information and the account status information of the payment account and the payment rule information includes: Determining a target turnover of the payment account within a target time range according to the account turnover information of the payment account; Determine a first risk signal score and a first weight coefficient of the target flow according to a correspondence between the target flow and the payment rule information; Determining a second risk signal score and a second weight coefficient of the account status information according to a correspondence between the account status information of the payment account and the payment rule information; A second risk score for the payment account is determined based on the first risk signal score, the second risk signal score, the first weight coefficient, and the second weight coefficient.

[0010] In some embodiments of the present disclosure, determining a target turnover of the payment account within a target time range according to the account turnover information of the payment account includes: Determine target account transaction information of the payment account within a target time range according to the account transaction information of the payment account; According to the target account transaction information of the payment account, a target transaction flow of the payment account within a target time range is determined.

[0011] In some embodiments of the present disclosure, the payment account evaluation rule information also includes payment rule information; Before determining the target score of the payment account according to the first risk score and the second risk score, the method further includes: In response to the received indication information of the payment completion of the payment account, obtaining the account payment information of the payment account, wherein the account payment information includes payment path information, payment method information and payment amount information; Determining a third risk score of the payment account according to a matching relationship between the payment path information, the payment method information, the payment amount information and the payment rule information; The determining, according to the first risk score and the second risk score, a target score for the payment account includes: A target score for the payment account is determined based on the first risk score, the second risk score, and the third risk score.

[0012] In some embodiments of the present disclosure, the method further includes: A third abnormality score of the payment account is determined according to the payment path information, the payment method information and the payment amount information.

[0013] In some embodiments of the present disclosure, the method further includes: When the target score of the payment account is greater than or equal to the first preset score and less than the second preset score, output a prompt message to remind the target object to supplement the payment information, change the payment account, change the payment method or change the payment path through the prompt message; When the target score of the payment account is greater than or equal to a second preset score, a target report is generated.

[0014] In a second aspect, according to the present disclosure, a payment account evaluation device is provided, comprising: An evaluation rule information acquisition module, configured to acquire payment account evaluation rule information in response to the payment account and payment information received and submitted by the target object, wherein the payment information at least includes the payment school, the payment amount and the payment purpose, and the payment account evaluation rule information includes account rule information and payment rule information; A first risk score determination module, used to determine a first risk score of the payment account according to the correspondence between the payment school, the payment amount and the payment purpose and the payment rule information; A payment account information acquisition module, used to acquire the account flow information and account status information of the payment account, wherein the account status information includes attribute status information, payment status information and credit status information; A second risk score determination module, configured to determine a second risk score of the payment account according to a correspondence between the account flow information and the account status information of the payment account and the account rule information; A target score determination module is used to determine a target score for the payment account according to the first risk score and the second risk score.

[0015] In a third aspect, according to the present disclosure, there is provided a computer device, including: one or more processors; a storage device for storing one or more programs, When the one or more programs are executed by the one or more processors, the one or more processors implement any method as described in the first aspect.

[0016] The payment account evaluation method, device and equipment provided by the disclosed embodiment first respond to the payment account and payment information submitted by the target object, obtain the payment account evaluation rule information; then determine the first risk score of the payment account according to the corresponding relationship between the payment school, payment amount and payment purpose and the payment rule information; and obtain the account flow information and account status information of the payment account; and determine the second risk score of the payment account according to the corresponding relationship between the account flow information and account status information of the payment account and the account rule information; finally, determine the target score of the payment account according to the first risk score and the second risk score. The risk assessment of the payment account is realized, and the risk brought by the potential illegal operation of the payment account for cross-border payment is reduced.

[0017] The above description is only an overview of the technical solution of the embodiment of the present application. In order to more clearly understand the technical means of the embodiment of the present application, it can be implemented in accordance with the contents of the specification. In order to make the above and other purposes, features and advantages of the embodiment of the present application more obvious and easy to understand, the specific implementation methods of the present application are listed below. BRIEF DESCRIPTION OF THE DRAWINGS

[0018] In order to more clearly illustrate the technical solutions of the embodiments of the present disclosure, the drawings of the embodiments will be briefly described below. It should be noted that the drawings described below only relate to some embodiments of the present disclosure, but are not intended to limit the present disclosure, wherein: Figure 1 It is a flowchart of a payment account evaluation method provided by an embodiment of the present disclosure; Figure 2It is a flowchart of another payment account evaluation method provided by an embodiment of the present disclosure; Figure 3 It is a flowchart of another payment account evaluation method provided by an embodiment of the present disclosure; Figure 4 It is a structural diagram of a payment account evaluation device provided by an embodiment of the present disclosure; Figure 5 It is a structural diagram of a computer device provided in an embodiment of the present disclosure.

[0019] In the drawings, reference numerals with the same last two digits correspond to the same elements. It should be noted that the elements in the drawings are schematic and not drawn to scale. DETAILED DESCRIPTION

[0020] In order to make the purpose, technical solution and advantages of the embodiments of the present disclosure clearer, the technical solution of the embodiments of the present disclosure will be clearly and completely described below in conjunction with the accompanying drawings. Obviously, the described embodiments are part of the embodiments of the present disclosure, rather than all of the embodiments. Based on the described embodiments of the present disclosure, all other embodiments obtained by those skilled in the art without creative work also fall within the scope of protection of the present disclosure.

[0021] Unless otherwise defined, all terms (including technical and scientific terms) used herein have the same meaning as commonly understood by a person skilled in the art to which the subject matter of the present disclosure belongs. It will be further understood that terms such as those defined in commonly used dictionaries should be interpreted as having a meaning consistent with their meaning in the context of the specification and the relevant art, and will not be interpreted in an idealized or overly formal form unless otherwise explicitly defined herein. As used herein, a statement that two or more parts are "connected" or "coupled" together shall mean that the parts are joined together directly or through one or more intermediate components.

[0022] Reference to "embodiments" herein means that a particular feature, structure, or characteristic described in conjunction with the embodiments may be included in at least one embodiment of the present application. The appearance of the phrase "embodiments" in various locations in the specification does not necessarily refer to the same embodiment, nor is it an independent or alternative embodiment that is mutually exclusive with other embodiments. It is explicitly and implicitly understood by those skilled in the art that the embodiments described herein may be combined with other embodiments.

[0023] The term "and / or" in this article is only a description of the association relationship of the associated objects, indicating that there can be three relationships. For example, A and / or B can mean: A exists, A and B exist at the same time, and B exists. In addition, the character " / " in this article generally indicates that the associated objects before and after are in an "or" relationship.

[0024] Furthermore, in all embodiments of the present disclosure, terms such as “first” and “second” are used only to distinguish one component (or a part of a component) from another component (or another part of a component).

[0025] In the description of the present application, unless otherwise specified, “plurality” means more than two (including two), and similarly, “plurality groups” means more than two (including two).

[0026] In order to enable those skilled in the art to better understand the solution of the present application, the technical solution in the embodiments of the present application will be clearly and completely described below in conjunction with the accompanying drawings.

[0027] Based on the problems existing in the prior art, the present disclosure provides a payment account evaluation method. Figure 1 FIG. 1 is a flow chart of a payment account evaluation method provided by an embodiment of the present disclosure. Figure 1 As shown, the payment account evaluation method includes: S110 . In response to receiving the payment account number and payment information submitted by the target object, obtain payment account evaluation rule information.

[0028] Among them, the payment information at least includes the payment school, payment amount and payment purpose, and the payment account evaluation rule information includes account rule information and payment rule information.

[0029] In a specific implementation, the payment account includes the payment card number and the name bound to the payment card number, and the payment information includes the payment school, payment purpose, payment amount, school notice, school payment bill, student number, ID number and other information.

[0030] When the payment account and payment information submitted by the target object are received, the payment account evaluation rule information is first obtained, and the payment account and payment information are subjected to risk assessment based on the payment account evaluation rule information.

[0031] S120. Determine a first risk score of the payment account according to the correspondence between the payment school, payment amount, and payment purpose and the payment rule information.

[0032] In a specific implementation, the first risk score of the payment account is determined based on the correspondence between the payment school, the payment amount, the payment purpose and the payment rule information, including: filtering out target payment rule information from the payment rule information based on the payment school; determining the first risk score of the payment account based on the correspondence between the payment purpose, the payment amount and the target payment rule information.

[0033] Specifically, after the payment information is determined in step S110, the target payment rule information corresponding to the payment school is first filtered out from the payment rule information according to the payment school. That is, the payment rule information stored in the system includes payment rule information corresponding to different schools in different countries. Therefore, by filtering out the target payment rule information corresponding to the payment school, the efficiency of subsequently determining the first risk score of the payment account based on the payment purpose and payment amount can be improved.

[0034] Specifically, after determining the target payment rule information corresponding to the payment school, find the sub-target payment rule information corresponding to the payment purpose from the target payment rule information, and then match the payment amount with the sub-target payment rule information to determine the first risk score of the payment account.

[0035] Exemplarily, if the target payment rule information includes the first sub-target payment rule information, the second sub-target payment rule information, ..., the Nth sub-target payment rule information, if the sub-target payment rule information corresponding to the payment purpose submitted by the target object is the i-th sub-target payment rule information, determine the payment amount submitted by the target object in the payment amount range in the i-th sub-target payment rule information, and obtain the risk score corresponding to the payment amount range, which is the first risk score.

[0036] S130: Obtain account transaction information and account status information of the payment account.

[0037] Among them, the account status information includes attribute status information, payment status information and credit status information.

[0038] Specifically, the attribute status information includes public accounts and personal accounts, the payment status information includes payment for oneself, payment for others, etc., and the credit status information includes whether the person is in a dishonest status or a black account.

[0039] In the payment account assessment method provided by the embodiment of the present disclosure, on the one hand, the first risk assessment of the payment account is determined based on the payment information submitted by the target object, and on the other hand, the second risk score of the payment account is determined based on the account flow information and account status information of the payment account, thereby improving the accuracy of the risk score of the determined payment account.

[0040] S140: Determine a second risk score of the payment account based on the correspondence between the account flow information and account status information of the payment account and the account rule information.

[0041] As a specific implementation method, the second risk score of the payment account is determined based on the correspondence between the account transaction information and account status information of the payment account and the payment rule information, including: determining the target transaction of the payment account within the target time range based on the account transaction information of the payment account; determining the first risk signal score and the first weight coefficient of the target transaction based on the correspondence between the target transaction and the payment rule information; determining the second risk signal score and the second weight coefficient of the account status information based on the correspondence between the account status information of the payment account and the payment rule information; determining the second risk score of the payment account based on the first risk signal score, the second risk signal score, the first weight coefficient and the second weight coefficient.

[0042] Among them, determining the target flow of the payment account within the target time range based on the account flow information of the payment account includes: determining the target account flow information of the payment account within the target time range based on the account flow information of the payment account; determining the target flow of the payment account within the target time range based on the target account flow information of the payment account.

[0043] In a specific implementation, the account flow information of the payment account is first obtained, and then the target flow of the payment account within the target time range is determined based on the account flow information of the payment account within the target time range, and then the target flow range interval of the target flow in the payment rule information is determined based on the correspondence between the target flow of the payment account within the target time range and the payment rule information. The risk signal score corresponding to the target flow range interval in the payment rule information is the risk signal score of the target flow within the target time range, that is, the first risk signal score of the account flow information of the payment account. In addition, based on the correspondence between the account status information of the payment account and the payment rule information, the second risk signal score under the account status information is determined. Finally, the second risk score of the payment account is obtained by weightedly averaging the first risk signal score and the second risk signal score.

[0044] It should be noted that the first weight coefficient corresponding to the first risk signal score and the second weight coefficient corresponding to the second risk signal score are preset in advance and can also be dynamically adjusted based on historical data.

[0045] During the specific implementation of this step, the target flow of the payment account within the target time range is obtained based on the payment flow information of the payment account, and the efficiency of determining the first risk signal score corresponding to the account flow information of the payment account can be improved, thereby improving the efficiency of determining the second risk score based on the first risk signal score and the second risk signal score.

[0046] S160. Determine a target score for the payment account based on the first risk score and the second risk score.

[0047] After obtaining the first risk score of the payment information of the payment account and the second risk score of the account transaction information and account status information, the target score of the payment account is obtained by weighted averaging the first risk score and the second risk score, and then it can be determined whether the payment status triggers transaction risk based on the target score of the payment account.

[0048] The payment account evaluation method provided by the embodiment of the present disclosure first obtains payment account evaluation rule information in response to the payment account and payment information submitted by the target object; then determines the first risk score of the payment account according to the corresponding relationship between the payment school, payment amount and payment purpose and the payment rule information; and obtains the account flow information and account status information of the payment account; and determines the second risk score of the payment account according to the corresponding relationship between the account flow information and account status information of the payment account and the account rule information; finally, determines the target score of the payment account according to the first risk score and the second risk score. The risk assessment of the payment account is realized, and the risk brought by the potential illegal operation of the payment account for cross-border payment is reduced.

[0049] Based on the above embodiments, Figure 2 is a flow chart of another payment account evaluation method provided by an embodiment of the present disclosure. The embodiment of the present disclosure is based on the above embodiment. Figure 2 As shown, before executing step S160, the process further includes: S151. Determine a first abnormality score of the payment account according to the payment school, payment amount and payment purpose.

[0050] As a preferred implementation, after determining the payment school, payment amount and payment purpose, the payment school, payment amount and payment purpose are converted into input feature vectors and input into the payment information anomaly assessment model, and the first anomaly score corresponding to the payment information is obtained according to the weight matrix and activation function of the payment information anomaly assessment model.

[0051] Among them, the payment information anomaly assessment model is trained based on the historical payment information of multiple payment accounts.

[0052] S152: Determine a second abnormality score of the payment account based on the account flow information and account status information of the payment account.

[0053] As a preferred implementation manner, after determining the account transaction information and account status information of the payment account, the account transaction information and account status information of the payment account are converted into input feature vectors and input into the payment account anomaly assessment model, and the second anomaly score corresponding to the payment account is obtained according to the weight matrix and activation function of the payment account anomaly assessment model.

[0054] Among them, the payment account anomaly assessment model is trained based on the historical account flow information and account status information of multiple payment accounts.

[0055] At this time, the implementation method of step S160 is: S161. Determine a target score for the payment account according to the first risk score, the second risk score, the first anomaly score, and the second anomaly score.

[0056] The first score is obtained by weighted average of the first risk score and the second risk score, the second score is obtained by weighted average of the first anomaly score and the second anomaly score, and then the first score and the second score are weighted averaged to obtain a target score for determining the payment account.

[0057] The payment account evaluation method provided by the embodiment of the present disclosure determines a first abnormality score of the payment account according to the payment information, determines a second abnormality score of the payment account according to the account flow information and the account status information of the payment account, and then determines a target score of the payment account according to the first risk score, the second risk score, the first abnormality score and the second abnormality score, thereby ensuring the accuracy of the target score of the determined payment account, further improving the accuracy of the risk assessment of the payment account, and reducing the risks brought by potential illegal operations of the payment account for cross-border payment.

[0058] Based on the above embodiments, Figure 3 is a flow chart of another payment account evaluation method provided by the embodiment of the present disclosure. The embodiment of the present disclosure is based on the above embodiment. Figure 3 As shown, before executing step S160, the process further includes: S153. In response to the received indication information indicating that payment of the payment account is completed, obtain the account payment information of the payment account.

[0059] Among them, account payment information includes payment path information, payment method information and payment amount information.

[0060] Specifically, the payment account evaluation rule information also includes payment rule information.

[0061] When the payment account completes the payment, the payment path information, payment method information and payment amount information of the payment account can be obtained. Among them, the payment path information includes primary card payment, secondary card payment, third-party financial payment, etc., the payment method information includes one-time payment method or batch payment method, and the payment amount information includes greater than the payment amount and less than the payment amount, etc.

[0062] S154. Determine a third risk score of the payment account according to a matching relationship between the payment path information, the payment method information, the payment amount information and the payment rule information.

[0063] After obtaining the payment path information, payment method information and payment amount information, the payment path information, payment method information and payment amount information are matched with the payment rule information respectively to obtain the third risk score corresponding to the payment path information, the third risk score corresponding to the payment method information and the third risk score corresponding to the payment amount information. Then, the third risk score corresponding to the payment path information, the third risk score corresponding to the payment method information and the third risk score corresponding to the payment amount information are weighted and averaged to obtain the third risk score of the payment account.

[0064] At this time, the specific implementation process of step S160 includes: S162. Determine a target score for the payment account based on the first risk score, the second risk score, and the third risk score.

[0065] That is, the third risk score is determined through the account payment information, and then the target score of the payment account is determined based on the first risk score, the second risk score and the third risk score, thereby further ensuring the accuracy of the determined target score of the payment account.

[0066] At this time, combined with the instructions Figure 2 The corresponding embodiment, a preferred implementation manner, after determining the account payment information of the payment account, converts the payment path information, payment method information, payment amount information and account status information in the account payment information of the payment account into an input feature vector, and inputs it into the account payment anomaly assessment model, and obtains the third anomaly score corresponding to the payment account according to the weight matrix and activation function of the account payment anomaly assessment model.

[0067] Among them, the account payment anomaly assessment model is trained based on the account payment information of multiple payment accounts.

[0068] At this time, the specific implementation process of step S162 is: determining the target score of the payment account according to the first risk score, the second risk score, the third risk score, the first abnormality score, the second abnormality score and the third abnormality score.

[0069] On the basis of the above embodiments, the payment account evaluation method provided by the embodiments of the present disclosure also includes: when the target score of the payment account is greater than or equal to the first preset score and less than the second preset score, outputting a prompt message to remind the target object to supplement the payment information, change the payment account, change the payment method or change the payment path through the prompt message; when the target score of the payment account is greater than or equal to the second preset score, generating a target report.

[0070] The payment account evaluation method provided by the embodiment of the present disclosure, after determining the target score of the payment account, performs graded processing on different types of abnormal situations. For example, for minor violations (such as small amount payment), the user can be warned and advised to modify the operation; for serious violations, the transaction is directly prohibited and reported to the competent department.

[0071] Based on the above embodiments, the present disclosure also provides a payment account evaluation device. Figure 4 is a schematic diagram of the structure of a payment account evaluation device provided by an embodiment of the present disclosure, such as Figure 4 As shown, the payment account evaluation device includes: The evaluation rule information acquisition module 410 is used to obtain payment account evaluation rule information in response to the payment account and payment information submitted by the target object, wherein the payment information at least includes the payment school, the payment amount and the payment purpose, and the payment account evaluation rule information includes account rule information and payment rule information; A first risk score determination module 420, for determining a first risk score of a payment account according to a correspondence between a payment school, a payment amount, and a payment purpose and payment rule information; The payment account information acquisition module 430 is used to acquire the account flow information and account status information of the payment account, wherein the account status information includes attribute status information, payment status information and credit status information; A second risk score determination module 440, for determining a second risk score of the payment account according to the correspondence between the account flow information and the account status information of the payment account and the account rule information; The target score determination module 450 is used to determine the target score of the payment account according to the first risk score and the second risk score.

[0072] The payment account evaluation device provided by the embodiment of the present disclosure first responds to the payment account and payment information submitted by the target object, obtains the payment account evaluation rule information; then determines the first risk score of the payment account according to the corresponding relationship between the payment school, payment amount and payment purpose and the payment rule information; and obtains the account flow information and account status information of the payment account; and determines the second risk score of the payment account according to the corresponding relationship between the account flow information and account status information of the payment account and the account rule information; finally, determines the target score of the payment account according to the first risk score and the second risk score. The risk assessment of the payment account is realized, and the risk brought by the potential illegal operation of the payment account for cross-border payment is reduced.

[0073] In a specific implementation manner, before determining the target score of the payment account according to the first risk score and the second risk score, the method further includes: Determining a first abnormality score of the payment account according to the payment school, the payment amount and the payment purpose; Determining a second abnormality score of the payment account according to the account flow information and account status information of the payment account; The determining, according to the first risk score and the second risk score, a target score for the payment account includes: A target score for the payment account is determined according to the first risk score, the second risk score, the first anomaly score, and the second anomaly score.

[0074] In a specific implementation manner, determining the first risk score of the payment account according to the correspondence between the payment school, the payment amount, the payment purpose and the payment rule information includes: According to the payment school, target payment rule information is screened out from the payment rule information; A first risk score of the payment account is determined according to a correspondence between the payment purpose and the payment amount and the target payment rule information.

[0075] In a specific implementation manner, determining the second risk score of the payment account according to the correspondence between the account flow information and the account status information of the payment account and the payment rule information includes: Determining a target turnover of the payment account within a target time range according to the account turnover information of the payment account; Determine a first risk signal score and a first weight coefficient of the target flow according to a correspondence between the target flow and the payment rule information; Determining a second risk signal score and a second weight coefficient of the account status information according to a correspondence between the account status information of the payment account and the payment rule information; A second risk score for the payment account is determined based on the first risk signal score, the second risk signal score, the first weight coefficient, and the second weight coefficient.

[0076] In a specific implementation manner, determining the target flow of the payment account within a target time range according to the account flow information of the payment account includes: Determine target account transaction information of the payment account within a target time range according to the account transaction information of the payment account; According to the target account transaction information of the payment account, a target transaction flow of the payment account within a target time range is determined.

[0077] In a specific implementation, the payment account evaluation rule information also includes payment rule information; Before determining the target score of the payment account according to the first risk score and the second risk score, the method further includes: In response to the received indication information of the payment completion of the payment account, obtaining the account payment information of the payment account, wherein the account payment information includes payment path information, payment method information and payment amount information; Determining a third risk score of the payment account according to a matching relationship between the payment path information, the payment method information, the payment amount information and the payment rule information; The determining, according to the first risk score and the second risk score, a target score for the payment account includes: A target score for the payment account is determined based on the first risk score, the second risk score, and the third risk score.

[0078] In a specific embodiment, the method further comprises: A third abnormality score of the payment account is determined according to the payment path information, the payment method information and the payment amount information.

[0079] In a specific embodiment, it also includes: When the target score of the payment account is greater than or equal to the first preset score and less than the second preset score, output a prompt message to remind the target object to supplement the payment information, change the payment account, change the payment method or change the payment path through the prompt message; When the target score of the payment account is greater than or equal to a second preset score, a target report is generated.

[0080] The present application also provides a computer device. Figure 5 , Figure 5 This is a basic structural block diagram of the computer device in this embodiment.

[0081] The computer device includes a memory 510 and a processor 520 that are connected to each other through a system bus. It should be noted that the figure only shows a computer device with components 510-520, but it should be understood that it is not required to implement all the components shown, and more or fewer components can be implemented instead. Among them, those skilled in the art can understand that the computer device here is a device that can automatically perform numerical calculations and / or information processing according to pre-set or stored instructions, and its hardware includes but is not limited to microprocessors, application specific integrated circuits (Application Specific Integrated Circuit, ASIC), programmable gate arrays (Field-Programmable Gate Array, FPGA), digital processors (Digital Signal Processor, DSP), embedded devices, etc.

[0082] Computer devices can be computing devices such as desktop computers, notebooks, PDAs, and cloud servers. Computer devices can interact with users through keyboards, mice, remote controls, touch pads, or voice control devices.

[0083] The memory 510 includes at least one type of readable storage medium, and the readable storage medium includes a non-volatile memory or a volatile memory, such as a flash memory, a hard disk, a multimedia card, a card-type memory (such as an SD or DX memory, etc.), a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM), an electrically erasable programmable read-only memory (EEPROM), a programmable read-only memory (PROM), a magnetic memory, a magnetic disk, an optical disk, etc., and the RAM may include a static RAM or a dynamic RAM. In some embodiments, the memory 510 may be an internal storage unit of a computer device, such as a hard disk or a memory of the computer device. In other embodiments, the memory 510 may also be an external storage device of a computer device, such as a plug-in hard disk, a smart memory card (SMC), a secure digital (SD) card, or a flash card (Flash Card), etc., equipped on the computer device. Of course, the memory 510 may also include both an internal storage unit of the computer device and an external storage device thereof. In this embodiment, the memory 510 is generally used to store an operating system and various application software installed on the computer device, such as the program code of the above method, etc. In addition, the memory 510 may also be used to temporarily store various data that have been output or are to be output.

[0084] The processor 520 is generally used to perform the overall operation of the computer device. In this embodiment, the memory 510 is used to store program codes or instructions, the program code includes computer operation instructions, and the processor 520 is used to execute the program codes or instructions stored in the memory 510 or process data, such as running the program code of the above method.

[0085] In this article, the bus can be an Industry Standard Architecture (ISA) bus, a Peripheral Component Interconnect (PCI) bus, or an Extended Industry Standard Architecture (EISA) bus, etc. The bus system can be divided into an address bus, a data bus, a control bus, etc. For ease of representation, only one thick line is used in the figure, but it does not mean that there is only one bus or one type of bus.

[0086] Another embodiment of the present application also provides a computer-readable medium, which may be a computer-readable signal medium or a computer-readable medium. A processor in a computer reads a computer-readable program code stored in the computer-readable medium, so that the processor can execute the functional actions specified in each step or a combination of steps in the above method; and generate a device for implementing the functional actions specified in each block or a combination of blocks in the block diagram.

[0087] Computer-readable media include but are not limited to electronic, magnetic, optical, electromagnetic, infrared memory or semiconductor systems, devices or apparatuses, or any appropriate combination of the foregoing, the memory is used to store program codes or instructions, the program codes include computer operating instructions, and the processor is used to execute the program codes or instructions of the above methods stored in the memory.

[0088] For the definitions of memory and processor, please refer to the description of the aforementioned computer device embodiment and will not be repeated here.

[0089] In the several embodiments provided in the present application, it should be understood that the disclosed systems, devices and methods can be implemented in other ways. For example, the device embodiments described above are only schematic, for example, the division of modules or units is only a logical function division, and there may be other division methods in actual implementation, such as multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some interfaces, indirect coupling or communication connection of devices or units, which can be electrical, mechanical or other forms.

[0090] Each functional unit or module in each embodiment of the present application may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit. The above-mentioned integrated unit may be implemented in the form of hardware or in the form of software functional unit.

[0091] If the integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present application, or the part that contributes to the prior art, or all or part of the technical solution can be embodied in the form of a software product. The computer software product is stored in a storage medium, including several instructions to enable a computer device (which can be a personal computer, server, or network device, etc.) or a processor (processor) to execute all or part of the steps of the various embodiments of the present application. The aforementioned storage medium includes: U disk, mobile hard disk, read-only memory (ROM), random access memory (RAM), disk or optical disk, etc., and other media that can store program codes.

[0092] Unless the context clearly indicates otherwise, the singular form of the words used herein and in the appended claims includes the plural and vice versa. Thus, when referring to the singular, the plural form of the corresponding term is generally included. Similarly, the words "comprise" and "include" are to be interpreted as inclusive rather than exclusive. Likewise, the terms "include" and "or" should be interpreted as inclusive unless such interpretation is expressly prohibited herein. Where the term "example" is used herein, particularly when it is located after a group of terms, the "example" is merely exemplary and illustrative and should not be considered exclusive or comprehensive.

[0093] Further aspects and scopes of adaptability become apparent from the description provided herein. It should be understood that various aspects of the present application can be implemented individually or in combination with one or more other aspects. It should also be understood that the description and specific embodiments herein are intended for purposes of illustration only and are not intended to limit the scope of the present application.

[0094] Several embodiments of the present disclosure are described in detail above, but it is obvious that those skilled in the art can make various modifications and variations to the embodiments of the present disclosure without departing from the spirit and scope of the present disclosure. The protection scope of the present disclosure is defined by the attached claims.

Claims

1. A payment account evaluation method, characterized in that: include: In response to the payment account and payment information submitted by the target object, obtaining payment account evaluation rule information, wherein the payment information at least includes the payment school, payment amount and payment purpose, and the payment account evaluation rule information includes account rule information and payment rule information; Determine a first risk score of the payment account according to the correspondence between the payment school, the payment amount, the payment purpose and the payment rule information; Obtaining account flow information and account status information of the payment account, wherein the account status information includes attribute status information, payment status information and credit status information; Determining a second risk score of the payment account according to a correspondence between the account flow information and the account status information of the payment account and the account rule information; A target score for the payment account is determined based on the first risk score and the second risk score.

2. The method according to claim 1, characterized in that Before determining the target score of the payment account according to the first risk score and the second risk score, the method further includes: Determining a first abnormality score of the payment account according to the payment school, the payment amount and the payment purpose; Determining a second abnormality score of the payment account according to the account flow information and account status information of the payment account; The determining, according to the first risk score and the second risk score, a target score for the payment account includes: A target score for the payment account is determined according to the first risk score, the second risk score, the first anomaly score, and the second anomaly score.

3. The method according to claim 1, characterized in that The determining the first risk score of the payment account according to the correspondence between the payment school, the payment amount, the payment purpose and the payment rule information includes: According to the payment school, target payment rule information is screened out from the payment rule information; A first risk score of the payment account is determined according to a correspondence between the payment purpose and the payment amount and the target payment rule information.

4. The method according to claim 1, characterized in that: The determining a second risk score of the payment account according to the correspondence between the account flow information and the account status information of the payment account and the payment rule information includes: Determining a target turnover of the payment account within a target time range according to the account turnover information of the payment account; Determine a first risk signal score and a first weight coefficient of the target flow according to a correspondence between the target flow and the payment rule information; Determining a second risk signal score and a second weight coefficient of the account status information according to a correspondence between the account status information of the payment account and the payment rule information; A second risk score for the payment account is determined based on the first risk signal score, the second risk signal score, the first weight coefficient, and the second weight coefficient.

5. The method according to claim 4, characterized in that Determining a target flow of the payment account within a target time range according to the account flow information of the payment account includes: Determine target account transaction information of the payment account within a target time range according to the account transaction information of the payment account; According to the target account transaction information of the payment account, a target transaction flow of the payment account within a target time range is determined.

6. The method according to claim 1, characterized in that The payment account evaluation rule information also includes payment rule information; Before determining the target score of the payment account according to the first risk score and the second risk score, the method further includes: In response to the received indication information of payment completion of the payment account, obtaining the account payment information of the payment account, wherein the account payment information includes payment path information, payment method information and payment amount information; Determining a third risk score of the payment account according to a matching relationship between the payment path information, the payment method information, the payment amount information and the payment rule information; The determining, according to the first risk score and the second risk score, a target score for the payment account includes: A target score for the payment account is determined based on the first risk score, the second risk score, and the third risk score.

7. The method according to claim 6, characterized in that The method further comprises: A third abnormality score of the payment account is determined according to the payment path information, the payment method information and the payment amount information.

8. The method according to claim 1, characterized in that: The method further comprises: When the target score of the payment account is greater than or equal to the first preset score and less than the second preset score, output a prompt message to remind the target object to supplement the payment information, change the payment account, change the payment method or change the payment path through the prompt message; When the target score of the payment account is greater than or equal to a second preset score, a target report is generated.

9. A payment account evaluation device, characterized in that: include: An evaluation rule information acquisition module, configured to acquire payment account evaluation rule information in response to the payment account and payment information received and submitted by the target object, wherein the payment information at least includes the payment school, the payment amount and the payment purpose, and the payment account evaluation rule information includes account rule information and payment rule information; A first risk score determination module, used to determine a first risk score of the payment account according to the correspondence between the payment school, the payment amount and the payment purpose and the payment rule information; A payment account information acquisition module, used to acquire the account flow information and account status information of the payment account, wherein the account status information includes attribute status information, payment status information and credit status information; A second risk score determination module, configured to determine a second risk score of the payment account according to a correspondence between the account flow information and the account status information of the payment account and the account rule information; A target score determination module is used to determine a target score for the payment account according to the first risk score and the second risk score.

10. A computer device, characterized in that: include: one or more processors; a storage device for storing one or more programs, When the one or more programs are executed by the one or more processors, the one or more processors implement the method according to any one of claims 1 to 8.

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