A mobile payment information management system based on aggregated transactions

Abstract

The present invention relates to the technical field of transaction management. The present invention discloses a mobile payment information management system based on aggregated transactions, which includes determining a fund settlement chain according to fund settlement information, judging whether the aggregated payment platform is compliant based on business license information and the fund settlement chain, then generating the number of violations according to static area information, generating sequence similarity according to dynamic area information, inputting the number of violations and sequence similarity into a pre-constructed risk classification model to obtain a payment risk result. When the payment risk result is a low risk, the fund settlement is completed; when the payment risk result is a high risk, the fund settlement is interrupted. In this way, through a multi-level transaction information management method, the present invention effectively meets the specific requirements of the aggregated payment platform. By analyzing and managing transaction information from multiple dimensions layer by layer, the system can monitor and judge the risk level of payment operations in real time.

Description

Technical Field

[0001] The present invention relates to the technical field of transaction management. More specifically, the present invention relates to a mobile payment information management system based on aggregated transactions. Background Art

[0002] Aggregated payment relies on the payment interfaces of banks or non-bank payment institutions and utilizes the technical integration capabilities of aggregated payment service providers to integrate the payment methods of multiple banks and non-bank payment institutions into a unified payment entrance, providing one-stop collection services for merchants. Compared with traditional third-party payment services, aggregated payment has obvious advantages and characteristics. For example, it has a low threshold and convenient payment, but there are also certain challenges in terms of relative security supervision. Since aggregated payment emerged relatively late, the current supervision technology mainly targets third-party payment, and the supervision of aggregated payment is still insufficient.

[0003] For example, the Chinese patent with the publication number CN117911031A provides a risk control system for online transaction payments, introducing full-process risk discrimination links before, during, and after the transaction. By judging whether information such as user information and payment environment before and after the transaction has changed, it verifies whether the transaction link is initiated by a real user throughout the process and whether the transaction is trustworthy. The Chinese patent with the publication number CN107895269A provides an electronic payment control method and an application server, which can automatically and efficiently evaluate customer risks during a large number of electronic payment transactions on a third-party payment platform.

[0004] Although the above patents provide supervision for online transactions, they mainly target traditional third-party payment links. However, aggregated payment is significantly different from third-party payment. Since aggregated payment emerged relatively late, the existing supervision technology has not been fully developed to cope with its characteristics, lacking a multi-level transaction information management method. In addition, there are few effective management solutions in the prior art for the specific needs of aggregated payment.

[0005] In view of this, the present invention proposes a mobile payment information management system based on aggregated transactions to solve the above problems. Summary of the Invention

[0006] To overcome the above-mentioned defects of the prior art, the present invention provides a mobile payment information management system based on aggregated transactions.

[0007] To achieve the above object, the present invention provides the following technical solutions:

[0008] A mobile payment information management system based on aggregated transactions, comprising:

[0009] Compliance Detection Module: It is used to obtain the business license information and fund settlement information of the aggregated payment platform, determine the fund settlement chain according to the fund settlement information, and judge whether the aggregated payment platform is compliant based on the business license information and the fund settlement chain;

[0010] Risk Monitoring Module: When the aggregated payment platform is compliant, it is used to obtain the static area information and dynamic area information of the aggregated payment page, generate the number of violations according to the static area information, generate the sequence similarity according to the dynamic area information, input the number of violations and the sequence similarity into a pre-constructed risk classification model, and obtain the payment risk result. The payment risk result includes at least low risk and high risk. The aggregated payment page is the payment page in the aggregated payment platform;

[0011] Transaction Settlement Module: When the payment risk result is low risk, it is used to complete the fund settlement. When the payment risk result is high risk, it is used to interrupt the fund settlement.

[0012] Furthermore, the method for determining the fund settlement chain according to the fund settlement information includes:

[0013] Taking each element in the payment channel information as a node, constructing edges between each node according to the fund flow information, thereby constructing a fund flow graph, and taking the fund flow graph as the fund settlement chain.

[0014] Furthermore, the method for judging whether the aggregated payment platform is compliant includes:

[0015] According to the business license information, judge whether the aggregated payment platform has a payment business license. If not, the aggregated payment platform is non-compliant. If so, further judge whether the fund settlement chain conforms to the standard settlement process. If so, the aggregated payment platform is compliant. If not, the aggregated payment platform is non-compliant.

[0016] Furthermore, the method for generating the number of violations according to the static area information includes:

[0017] Perform integrity check, compliance check, and standardization check on each element in the static area information in sequence, and generate a check result. Obtain the number of violations according to the check result. Integrity check means checking whether all necessary elements exist. Compliance check means comparing whether the attributes of each element conform to the specification. Standardization check means confirming whether the arrangement of page elements conforms to the specification.

[0018] Furthermore, the dynamic area information includes the payment channel sequence and the payment channel type. The method for generating the sequence similarity according to the dynamic area information includes:

[0019] Compare the dynamic area information with the preset standard dynamic area, calculate the first similarity between the payment channel order and the standard channel order, calculate the second similarity between the payment channel types and the standard channel types, and use the sum of the first similarity and the second similarity as the sequence similarity. The standard channel order is the arrangement order of different payment channels in the page in the standard dynamic area, and the standard channel types are the payment channel types in the standard dynamic area.

[0020] Further, the construction method of the standard dynamic area includes:

[0021] Obtain the number of channel clicks and the number of payment failures. Pre-construct a dynamic area template based on the number of channel clicks, and optimize the dynamic area template according to the number of payment failures and the nature-inspired algorithm to obtain the standard dynamic area.

[0022] Further, the method for constructing the dynamic area template includes:

[0023] Arrange each payment channel in descending order according to the number of channel clicks corresponding to each payment channel, and generate the channel width corresponding to each payment channel in the form of an arithmetic sequence.

[0024] Further, the risk monitoring module includes an initialization unit, a function construction unit, an update unit, a calculation unit, a judgment unit, and a loop output unit. The method for optimizing the dynamic area template includes:

[0025] Initialization unit: used to randomly select a dynamic area template as the initial dynamic area , preset the initial temperature of simulated annealing and the cooling rate α, where 1 > α > 0;

[0026] Function construction unit: used to take the number of payment failures under the initial dynamic area as the objective function value;

[0027] Update unit: used to add a random perturbation to the current dynamic area to generate a new dynamic area , the starting point of the current dynamic area is the initial dynamic area ;

[0028] Calculation unit: used to calculate the new number of payment failures corresponding to the new dynamic area , compare the new number of payment failures with the current number of payment failures , the current number of payment failures corresponds to the current dynamic area ;

[0029] Judgment unit: used to judge whether to update the dynamic region, and let , and return the update unit, where the starting point is ;

[0030] Loop output unit: used to repeat the above update unit - judgment unit until < , stop iteration, output the optimal dynamic region , and use the optimal dynamic region as the standard dynamic region, is the temperature parameter, is the preset minimum temperature value.

[0031] Furthermore, the method for generating a new dynamic region includes:

[0032] ;

[0033] wherein, is a random perturbation;

[0034] The method for judging whether to update the dynamic region includes:

[0035] If , then let = ;

[0036] If , then randomly generate a probability threshold r between 0 and 1, and judge whether the probability K is greater than the probability threshold r. If so, then let = , if not, then keep unchanged, and the probability K is:

[0037] K = exp ;

[0038] wherein, exp is the exponential function with base e, and e is the natural constant.

[0039] Furthermore, the method for constructing a risk classification model includes:

[0040] Obtain Q sets of training data, where Q is a positive integer greater than 1, and the training data includes the historical number of violations, historical sequence similarity, and historical payment risk results;

[0041] Use the historical number of violations, historical sequence similarity, and historical payment risk results as the sample set, divide the sample set into a training set and a test set, and construct a classifier;

[0042] Taking the historical violation quantity and historical sequence similarity in the training set as input data, and the historical payment risk result in the training set as output data, training the classifier to obtain an initial classifier;

[0043] Using the test set to test the initial classifier, and outputting the classifier that meets the preset accuracy as the risk classification model.

[0044] Compared with the prior art, the beneficial effects of the present invention are as follows:

[0045] The present invention first determines the fund settlement chain according to the fund settlement information, judges whether the aggregated payment platform is compliant based on the business license information and the fund settlement chain, then generates the violation quantity according to the static area information, generates the sequence similarity according to the dynamic area information, inputs the violation quantity and the sequence similarity into the pre-constructed risk classification model to obtain the payment risk result. When the payment risk result is low risk, the fund settlement is completed; when the payment risk result is high risk, the fund settlement is interrupted. In this way, through the multi-level transaction information management method, the present invention effectively meets the specific requirements of the aggregated payment platform. By analyzing and managing the transaction information in multiple dimensions, such as the fund flow direction, compliance, static and dynamic page information, etc., layer by layer, the system can monitor and judge the risk level of payment operations in real time. Brief Description of the Drawings

[0046] Figure 1 It is a schematic structural diagram of a mobile payment information management system based on aggregated transactions in the present invention;

[0047] Figure 2 It is a flowchart of a mobile payment information management method based on aggregated transactions in the present invention;

[0048] Figure 3 It is a schematic diagram of an illegal fund settlement mode carried out by an aggregated payment platform in the present invention;

[0049] Figure 4 It is a schematic diagram of a fund flow chart in the present invention;

[0050] Figure 5 It is a schematic diagram of a layout of an aggregated payment page in the present invention;

[0051] Figure 6 It is a schematic diagram of a layout of a dynamic area in the present invention;

[0052] Figure 7 It is a schematic diagram of a dynamic area template in the present invention;

[0053] Reference Signs:

[0054] 11. Fund input area; 12. Payment channel selection area; 13. Payment confirmation area; 20. Amount input box; 30. Payment channel title; 301. First payment channel; 302. Second payment channel; 303. Third payment channel; 40. Payment confirmation box; PW2. Second channel width; PW3. First channel width. Detailed implementation manners

[0055] Next, the technical solutions in the embodiments of the present invention will be clearly and completely described in conjunction with the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only a part of the embodiments of the present invention, rather than all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those of ordinary skill in the art without creative efforts shall fall within the protection scope of the present invention. Embodiment 1

[0056] Please refer to Figure 1 As shown, this embodiment discloses and provides a mobile payment information management system based on aggregated transactions, including:

[0057] Compliance detection module: used to obtain the business license information and fund settlement information of the aggregated payment platform, determine the fund settlement chain according to the fund settlement information, and judge whether the aggregated payment platform is compliant based on the business license information and the fund settlement chain;

[0058] In this embodiment, the aggregated payment platform refers to a platform that relies on the payment interfaces of banks or non-bank payment institutions, and through the technical integration capabilities of aggregated payment service providers, integrates the payment methods of multiple payment institutions into a unified payment entrance to provide one-stop collection services for merchants. For example, existing payment platforms, and the business license information refers to the payment business license used to prove the qualification of third-party payment. The payment business license is also called the payment license, which is the qualification certificate for non-financial institutions to carry out payment business. The business license information can be queried from the official website of the aggregated payment platform accessed through the Internet to the financial regulatory agencies of the country or region. This embodiment will not elaborate on this too much, and the fund settlement information refers to information related to the flow of funds and transactions. The fund settlement information includes but is not limited to payment channel information and fund flow information. The payment channel information refers to the information of each institution or user participating in the fund settlement, and the fund flow information refers to the flow path of funds in the payment system.

[0059] The method for determining the fund settlement chain according to the fund settlement information includes:

[0060] Taking each element in the payment channel information as a node, constructing edges between the nodes according to the fund flow information, thereby constructing a fund flow graph, and taking the fund flow graph as the fund settlement chain.

[0061] It can be understood that from the above, each element in the payment channel information refers to the information of each institution or user participating in the fund settlement. For example, Figure 3 as shown Figure 3 illustrates an illegal fund settlement model carried out by the aggregated payment platform. This illegal fund settlement model means that consumers first pay funds into the platform account, and then unlicensed institutions settle the funds from the platform account to the merchant account according to the order information. Then Figure 3 in this case, each element in the payment channel information is the consumer, the platform account, and the merchant account respectively. The fund flow information indicates that the funds are first transferred from the consumer to the platform account and then from the platform account to the merchant account. Therefore, the constructed fund flow diagram is as Figure 4 shown

[0062] It should be added that the aggregated payment platform only acts as an intermediary for the flow of funds, providing technical support and services, but cannot directly participate in the final settlement of funds. The aggregated payment platform only serves as a transmission channel for information and data to ensure that the process of funds flowing from consumers to merchants is compliant and secure.

[0063] The methods for judging whether the aggregated payment platform is compliant include:

[0064] According to the business license information, judge whether the aggregated payment platform has a payment business license. If not, the aggregated payment platform is not compliant. If so, further judge whether the fund settlement chain conforms to the standard settlement process. If so, the aggregated payment platform is compliant. If not, the aggregated payment platform is not compliant.

[0065] It should be noted that the standard settlement process refers to the established steps and norms followed by the flow of funds from consumers to merchants within the framework of legal payment services. Exemplarily, as Figure 3 shown, the funds are first transferred from the consumer to the platform account and then from the platform account to the merchant account, which does not conform to the standard settlement process. The standard settlement process requires that the funds must flow directly from the consumer to the merchant account.

[0066] In this embodiment, by combining the order of obtaining business license information and fund settlement information, it can systematically ensure that the aggregated payment platform complies with regulatory requirements throughout the entire operation process. First, confirm the business license, and then analyze the fund flow, which helps to form an effective compliance review system, reduce legal risks, and sequentially combine the payment channel information and the fund flow information, which helps to construct a clear fund flow diagram. In this way, the flow path of funds can be clearly understood, the transparency of fund flow can be enhanced, enabling all parties involved (such as consumers, merchants, and regulatory agencies) to monitor and confirm the flow of funds in real time, and reducing the risk of funds being misused or illegally transferred.

[0067] Risk monitoring module: When the integrated payment platform is compliant, it is used to obtain the static area information and dynamic area information of the integrated payment page, generate the number of violations based on the static area information, generate the sequence similarity based on the dynamic area information, and input the number of violations and the sequence similarity into a pre-constructed risk classification model to obtain the payment risk result. The payment risk result includes at least low risk and high risk. The integrated payment page is the payment page in the integrated payment platform.

[0068] In this embodiment, the integrated payment page is the payment page in the integrated payment platform. The static area refers to the areas in the integrated payment page that remain unchanged during the user operation process, and the content of these areas will not change with the user's operation during the payment process. The static area information can be specific content, layout constraints, or display elements, etc. The dynamic area refers to the areas in the integrated payment page that will change according to the user operation or system state changes, and the content of these areas will be dynamically updated during the user interaction process. The dynamic area information can be the payment channel order and the types of payment channels, etc.

[0069] Exemplarily, as Figure 5 shown, Figure 5 shows a layout of an integrated payment page. Figure 5 It shows a fund input area 11, a payment channel selection area 12, and a payment confirmation area 13. Both the fund input area 11 and the payment confirmation area 13 are static areas. Then the static area information can include the field format of the fund input area, the position of the payment confirmation button, the page title, the prompt information, etc. The payment channel selection area 12 is a dynamic area. Then the dynamic area information can include the arrangement order of different payment channels in the payment channel selection area 12 and the feedback information that is dynamically updated after the user selects a payment channel, such as the confirmation box after selection, the loading status prompt, etc.

[0070] The method for generating the number of violations based on the static area information includes:

[0071] Check each element in the static area information for integrity, compliance, and standardization in sequence, and generate the inspection result. Obtain the number of violations based on the inspection result. Integrity check means checking whether all necessary elements exist. Compliance check means comparing whether the attributes of each element conform to the specification. Standardization check means confirming whether the arrangement of the page elements conforms to the specification.

[0072] According to the above content, the static area information can include the field format of the fund input area, the position of the payment confirmation button, the page title, the prompt information, etc. Then, the integrity check can be to check whether there is an amount input box. If the amount input box is missing, it is recorded as a violation. Check whether the page contains a title, such as "Online Payment" or "Payment Confirmation". If the title is missing, it is recorded as a violation. The compliance check can be to check whether the text of the button complies with the specification, for example, it should be "Confirm Payment". If the text of the button is "Submit" or other non-compliant text, it is recorded as a violation. The standardization check can be to check whether the position of the amount input box is at the predetermined position on the page, such as whether it is in the center of the top of the page or the specified area. If the position is incorrect, it is recorded as a violation.

[0073] The method for generating sequence similarity based on dynamic area information includes:

[0074] Compare the dynamic area information with the preset standard dynamic area, calculate the first similarity between the payment channel order and the standard channel order, calculate the second similarity between the payment channel types and the standard channel types, and take the sum of the first similarity and the second similarity as the sequence similarity. The standard channel order is the arrangement order of different payment channels in the page in the standard dynamic area, and the standard channel types are the payment channel types in the standard dynamic area.

[0075] Among them, the standard dynamic area refers to a pre-set and compliant dynamic area layout, which serves as a reference model for evaluating the current payment page. It defines the ideal state of the dynamic area in the aggregated payment page, including the arrangement order of payment channels and the types of available payment channels, such as Figure 6 shown, Figure 6 shows the amount input box 20, the payment confirmation box 40, the payment channel title 30, the first payment channel 301, the second payment channel 302, and the third payment channel 303. Figure 6 Displays a construction method of a standard dynamic area. The payment channel types can be Alipay and WeChat Pay, etc. For example, the first payment channel 301 is WeChat Pay, the second payment channel 302 is Alipay. The method for calculating similarity can be to calculate the Euclidean distance or the cosine value. Calculating the Euclidean distance or the cosine value is prior art, and this embodiment will not elaborate on it too much.

[0076] The construction method of the standard dynamic area includes:

[0077] Obtain the number of channel clicks and the number of payment failures, pre-construct a dynamic area template based on the number of channel clicks, and optimize the dynamic area template according to the number of payment failures and the natural inspiration algorithm, so as to obtain the standard dynamic area.

[0078] In this embodiment, the number of channel clicks refers to the total number of times a consumer clicks on each payment channel during use, while the number of payment failures refers to the number of times a consumer clicks on the wrong payment channel, resulting in a payment failure. The number of channel clicks characterizes the consumer's preference and selection frequency for different payment channels, and the number of payment failures characterizes the degree of non - compliance of the current dynamic area. The degree of non - compliance means that the layout of the current dynamic area no longer conforms to the consumer's usage habits.

[0079] In this embodiment, by analyzing the number of channel clicks, it is possible to understand the consumer's preference for different payment channels, construct a payment channel layout that conforms to the consumer's habits, and improve the user experience. The number of payment failures reflects the deviation between the current dynamic area layout and the user's expectations. Through optimization based on the number of payment failures, it is possible to effectively reduce consumer misselection or system errors, reduce the risk of payment failure, thereby increasing the ratio of successful payments and ensuring a smooth payment experience. Intelligent optimization based on user behavior data (number of clicks, number of failures) can continuously adjust the dynamic area layout to match user behavior at different times and under different circumstances.

[0080] The method for constructing a dynamic area template includes:

[0081] According to the number of channel clicks corresponding to each payment channel, each payment channel is sorted in descending order, and the channel width corresponding to each payment channel is generated in an arithmetic sequence.

[0082] In this embodiment, the payment channel with the most clicks will be ranked at the front, and the payment channels with fewer clicks will be ranked behind in turn. Moreover, the width of the payment channels will increase or decrease in accordance with certain rules. An arithmetic sequence means that the difference between adjacent elements is the same. Therefore, the width of the channels changes regularly. The effect of such construction is that the channel width of the more commonly used payment channels is larger, which is convenient for users to identify and click, while the channel width of the less used payment channels is smaller, ensuring the rationality and aesthetics of the page layout.

[0083] Exemplarily, as Figure 7 shown, Figure 7 shows the first payment channel 301, the second payment channel 302, and the third payment channel 303. The third payment channel 303 has the most corresponding channel clicks, while the second payment channel 302 has the fewest corresponding channel clicks, and the first channel width PW3 is greater than the second channel width PW2.

[0084] The risk monitoring module includes an initialization unit, a function construction unit, an update unit, a calculation unit, a judgment unit, and a loop output unit. The method for optimizing the dynamic area template includes:

[0085] Initialization unit: used to randomly select a dynamic region template as the initial dynamic region , preset the initial temperature of simulated annealing and the cooling rate α, where 1 > α > 0;

[0086] Among them, the initialization process ensures that the algorithm has sufficient exploration space at the beginning to avoid local optimal solutions. In subsequent iterations, as the temperature decreases, the system gradually reduces the acceptance rate of poor solutions and tends to the optimal solution.

[0087] Function construction unit: used to take the number of payment failures under the initial dynamic region as the objective function value;

[0088] In this embodiment, the number of payment failures is used as the objective function to define the optimization direction, that is, to reduce the number of payment failures to improve the success rate of the payment process and the user experience.

[0089] Update unit: used to add random perturbations on the basis of the current dynamic region to generate a new dynamic region , the starting point of the current dynamic region is the initial dynamic region ;

[0090] Calculation unit: used to calculate the new number of payment failures corresponding to the new dynamic region , compare the new number of payment failures with the current number of payment failures , the current number of payment failures corresponds to the current dynamic region ;

[0091] Among them, by comparing the objective function values of the new and old solutions, it can be judged whether the new solution is better, and then decide whether to accept the new solution. The advantage of doing this is to ensure that each step moves in the direction of minimizing the objective function, making the optimization process gradually approach the optimal solution.

[0092] Judgment unit: used to judge whether to update the dynamic region, let , and return to the update unit, the starting point of the is ;

[0093] In this embodiment, through a gradually cooling process, it is ensured that the algorithm gradually converges to the optimal solution while exploring the solution space, balancing the ability of global exploration and local development.

[0094] Loop output unit: used to repeat the above update unit - judgment unit until < , stop the iteration and output the optimal dynamic region , use the optimal dynamic region as the standard dynamic region, is the temperature parameter, is the preset minimum temperature value.

[0095] The method for generating a new dynamic region includes:

[0096] ;

[0097] wherein, is the random perturbation.

[0098] The method for determining whether to update the dynamic region includes:

[0099] If , then let = ;

[0100] If , then randomly generate a probability threshold r between 0 and 1, and determine whether the probability K is greater than the probability threshold r. If so, then let = , if not, then keep unchanged, and the probability K is:

[0101] K = exp ;

[0102] wherein, exp is the exponential function with base e, and e is the natural constant.

[0103] It should be added that in this embodiment, by adding random perturbations, the algorithm can jump out of the current state in the solution space, search for possible better solutions, provide diverse solutions, make the optimization process more comprehensive and robust, and further by introducing a probability judgment mechanism, avoid the algorithm falling into local optima and increase the chance of finding the global optimum.

[0104] This embodiment ensures the coherence and effectiveness of the entire optimization process from the initial setting to the final convergence through the above steps. By combining step-by-step adjustment (perturbation), local and global balance (annealing algorithm), probability mechanism (avoiding falling into local optima), and gradual decrease of temperature, the system can effectively reduce the number of payment failures and output the optimal payment channel layout that meets the user's needs. This optimization process improves the user experience, enhances the robustness of the system, and ensures the smoothness and reliability of the payment process.

[0105] The method for constructing a risk classification model includes:

[0106] Obtain Q sets of training data, where Q is a positive integer greater than 1, and the training data includes the historical number of violations, the historical sequence similarity, and the historical payment risk result;

[0107] Use the historical number of violations, the historical sequence similarity, and the historical payment risk result as a sample set, divide the sample set into a training set and a test set, and construct a classifier;

[0108] Use the historical number of violations and the historical sequence similarity in the training set as input data, and use the historical payment risk result in the training set as output data to train the classifier to obtain an initial classifier;

[0109] Use the test set to test the initial classifier, and output a classifier that meets the preset accuracy as a risk classification model. The classifier is preferably one of the naive Bayes model or the support vector machine model.

[0110] In this embodiment, the larger the number of violations, the greater the payment risk. The greater the sequence similarity, the smaller the payment risk. By constructing a risk classification model (based on the number of violations and sequence similarity) combined with the number of payment failures, the entire optimization process is not only to reduce the number of payment failures, but also combines potential payment risk factors to ensure that while meeting the user's needs, the payment page design reduces the overall payment risk.

[0111] Transaction settlement module: used to complete the fund settlement when the payment risk result is low risk, and interrupt the fund settlement when the payment risk result is high risk.

[0112] It can be understood that when the payment risk result is low risk, it indicates that after analyzing the number of violations and sequence similarity in the static and dynamic areas of the payment page, it is determined that the risk of this payment operation is low. This means that the information in the payment process meets the standards and user expectations, the number of violations is small, and the changes in the dynamic area also comply with the established specifications. Therefore, when the risk assessment result is low risk, the system considers the payment behavior to be safe and legal and can normally conduct fund settlement. If it is evaluated as high risk, there may be potential safety hazards or non-compliant operations, and the system will interrupt the payment to prevent potential problems in fund settlement and protect the funds of both trading parties.

[0113] In this embodiment, first, the fund settlement chain is determined based on the fund settlement information. Whether the aggregated payment platform is compliant is judged based on the business license information and the fund settlement chain. Then, the number of violations is generated according to the static area information, and the sequence similarity is generated according to the dynamic area information. The number of violations and the sequence similarity are input into a pre-constructed risk classification model to obtain the payment risk result. When the payment risk result is low risk, the fund settlement is completed. When the payment risk result is high risk, the fund settlement is interrupted. In this way, through a multi-level transaction information management method, the specific requirements of the aggregated payment platform are effectively met. By analyzing and managing transaction information from multiple dimensions, such as the fund flow direction, compliance, static and dynamic page information, etc., layer by layer, the system can monitor and judge the risk level of payment operations in real time. Embodiment 2

[0114] Please refer to Figure 2 As shown in the figure, on the basis of Embodiment 1, this embodiment provides a mobile payment information management method based on aggregated transactions, including:

[0115] S10: Obtain the business license information and fund settlement information of the aggregated payment platform, determine the fund settlement chain according to the fund settlement information, and judge whether the aggregated payment platform is compliant based on the business license information and the fund settlement chain;

[0116] The method for determining the fund settlement chain according to the fund settlement information includes:

[0117] Each element in the payment channel information is used as a node respectively, and the edges between the nodes are constructed according to the fund flow direction information, so as to construct a fund flow graph, and the fund flow graph is used as the fund settlement chain.

[0118] It can be understood that from the above content, each element in the payment channel information refers to the information of each institution or user participating in the fund settlement, such as Figure 3 shown Figure 3 shows an illegal fund settlement mode carried out by the aggregated payment platform. This illegal fund settlement mode means that consumers first pay the funds to the platform account, and then an unlicensed institution settles the funds from the platform account to the merchant account according to the order information. Then Figure 3 in, each element in the payment channel information is respectively the consumer, the platform account and the merchant account. The fund flow direction information indicates that the funds are first transferred from the consumer to the platform account, and then from the platform account to the merchant account. Therefore, the constructed fund flow graph is as Figure 4 shown.

[0119] The method for judging whether the aggregated payment platform is compliant includes:

[0120] According to the business license information, determine whether the aggregated payment platform has a payment business license. If not, the aggregated payment platform is non-compliant. If so, further determine whether the fund settlement chain conforms to the standard settlement process. If so, the aggregated payment platform is compliant. If not, the aggregated payment platform is non-compliant.

[0121] S20: When the aggregated payment platform is compliant, obtain the static area information and dynamic area information of the aggregated payment page. Generate the number of violations according to the static area information, generate the sequence similarity according to the dynamic area information, and input the number of violations and the sequence similarity into a pre-constructed risk classification model to obtain the payment risk result. The payment risk result includes at least low risk and high risk. The aggregated payment page is the payment page in the aggregated payment platform.

[0122] In this embodiment, the aggregated payment page is the payment page in the aggregated payment platform. The static area refers to the areas in the aggregated payment page that remain unchanged during the user operation process, and the content of these areas will not change with the user's operation during the payment process. The static area information can be specific content, layout constraints, or display elements, etc. The dynamic area refers to the areas in the aggregated payment page that will change according to the user operation or system state changes, and the content of these areas will be dynamically updated during the user interaction process. The dynamic area information can be the payment channel order and the payment channel type, etc.

[0123] The method for generating the number of violations according to the static area information includes:

[0124] Perform integrity check, compliance check, and standardization check on each element in the static area information in sequence, and generate the check result. Obtain the number of violations according to the check result. The integrity check refers to checking whether all necessary elements exist. The compliance check refers to comparing whether the attributes of each element conform to the specification. The standardization check refers to confirming whether the arrangement of the page elements conforms to the specification.

[0125] The method for generating the sequence similarity according to the dynamic area information includes:

[0126] Compare the dynamic area information with the preset standard dynamic area, calculate the first similarity between the payment channel order and the standard channel order, calculate the second similarity between the payment channel type and the standard channel type, and take the sum of the first similarity and the second similarity as the sequence similarity. The standard channel order is the arrangement order of different payment channels in the page in the standard dynamic area, and the standard channel type is the payment channel type in the standard dynamic area.

[0127] The construction method of the standard dynamic area includes:

[0128] Obtain the number of channel clicks and the number of payment failures. Based on the number of channel clicks, pre-construct a dynamic area template, and optimize the dynamic area template according to the number of payment failures and a nature-inspired algorithm to obtain a standard dynamic area.

[0129] The method for constructing the dynamic area template includes:

[0130] Arrange each payment channel in descending order according to the number of channel clicks corresponding to each payment channel, and generate the channel width corresponding to each payment channel in the form of an arithmetic sequence.

[0131] Exemplarily, as Figure 7 shown, Figure 7 the first payment channel 301, the second payment channel 302, and the third payment channel 303 are shown. The third payment channel 303 has the most corresponding channel clicks, while the second payment channel 302 has the fewest corresponding channel clicks, and the first channel width PW3 is greater than the second channel width PW2.

[0132] The method for optimizing the dynamic area template includes:

[0133] S201: Randomly select a dynamic area template as the initial dynamic area , preset the initial temperature of simulated annealing and the cooling rate α, where 1 > α > 0;

[0134] Among them, the initialization process ensures that the algorithm has enough exploration space at the beginning to avoid local optimal solutions. In subsequent iterations, as the temperature decreases, the system gradually reduces the acceptance rate of poor solutions and tends to the optimal solution.

[0135] S202: Take the number of payment failures under the initial dynamic area as the objective function value;

[0136] In this embodiment, the number of payment failures is used as the objective function to define the optimization direction, that is, to reduce the number of payment failures to improve the success rate of the payment process and the user experience.

[0137] S203: Add random perturbations to the current dynamic area to generate a new dynamic area , and the starting point of the current dynamic area is the initial dynamic area ;

[0138] S204: Calculate the new number of payment failures corresponding to the new dynamic area , and compare the new number of payment failures with the current number of payment failures Compare the current number of payment failures with the current dynamic region corresponding;

[0139] Among them, by comparing the objective function values of the new and old solutions, it can be judged whether the new solution is better, and then it can be decided whether to accept the new solution. The advantage of doing this is to ensure that each step moves towards minimizing the objective function, making the optimization process gradually approach the optimal solution.

[0140] S205: Judge whether to update the dynamic region, let , and return to S203, the starting point of the described is ;

[0141] In this embodiment, through a process of gradually cooling, it is ensured that the algorithm gradually converges to the optimal solution while exploring the solution space, balancing the ability of global exploration and local development.

[0142] S206: Repeat the above steps S203 - S205 until < , stop the iteration, and output the optimal dynamic region , take the optimal dynamic region as the standard dynamic region, is the temperature parameter, is the preset minimum temperature value.

[0143] The method for generating the new dynamic region includes:

[0144] ;

[0145] Among them, is a random perturbation.

[0146] The method for judging whether to update the dynamic region includes:

[0147] If , then let = ;

[0148] If , then randomly generate a probability threshold r between 0 and 1, judge whether the probability K is greater than the probability threshold r, if so, then let = , if not, then keep unchanged, the probability K is:

[0149] K = exp ;

[0150] Among them, exp It is an exponential function with base e, where e is the natural constant.

[0151] The method for constructing a risk classification model includes:

[0152] Obtain Q sets of training data, where Q is a positive integer greater than 1. The training data includes the historical number of violations, historical sequence similarity, and historical payment risk results;

[0153] Use the historical number of violations, historical sequence similarity, and historical payment risk results as a sample set, divide the sample set into a training set and a test set, and construct a classifier;

[0154] Use the historical number of violations and historical sequence similarity in the training set as input data, and use the historical payment risk results in the training set as output data to train the classifier to obtain an initial classifier;

[0155] Use the test set to test the initial classifier, and output a classifier that meets the preset accuracy as the risk classification model. The classifier is preferably one of the naive Bayes model or the support vector machine model.

[0156] S30: When the payment risk result is low risk, the fund settlement is completed; when the payment risk result is high risk, the fund settlement is interrupted.

[0157] It can be understood that when the payment risk result is low risk, it indicates that after analyzing the number of violations and sequence similarity in the static and dynamic areas of the payment page, it is determined that the risk of this payment operation is relatively low. This means that all information in the payment process meets the standards and user expectations, with a small number of violations, and the changes in the dynamic area also conform to the established specifications. Therefore, when the risk assessment result is low risk, the system believes that the payment behavior is safe and legal, and the fund settlement can be carried out normally. If it is evaluated as high risk, there may be potential safety hazards or non-compliant operations, and the system will interrupt the payment to prevent potential problems in the fund settlement and protect the funds of both trading parties. Embodiment 3

[0158] This embodiment publicly provides a computer-readable storage medium, on which a computer program is stored. When the computer program is executed, it implements the above-mentioned mobile payment information management method based on aggregated transactions.

[0159] The above formulas are all dimensionless and take their numerical values for calculation. The formulas are obtained by collecting a large amount of data and performing software simulation to obtain a formula that is closest to the real situation. The preset parameters, weights, and threshold selections in the formulas are set by those skilled in the art according to the actual situation.

[0160] The above embodiments can be implemented in whole or in part by software, hardware, firmware, or any combination thereof. When implemented using software, the above embodiments 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 or computer programs. When the computer instructions or computer programs are loaded or executed on a computer, the processes or functions described in the embodiments of the present invention are generated in whole or in part. The computer can be a general-purpose computer, a special-purpose computer, a computer network, or other programmable devices. The computer instructions can be stored in a computer-readable storage medium or transmitted from one computer-readable storage medium to another. For example, the computer instructions can be transmitted from one website, computer, server, or data center to another website, computer, server, or data center via a wired or wireless network. The computer-readable storage medium can be any available medium that can be accessed by a computer or a data storage device such as a server or data center that includes one or more collections of available media. The available medium can be a magnetic medium (e.g., a floppy disk, a hard disk, a magnetic tape), an optical medium (e.g., a DVD), or a semiconductor medium. The semiconductor medium can be a solid-state drive.

[0161] Those of ordinary skill in the art will appreciate that the units and algorithm steps of the examples described in connection with the embodiments disclosed in the present invention can be implemented in electronic hardware or a combination of computer software and electronic hardware. Whether these functions are executed in hardware or software depends on the specific application and design constraints of the technical solution. A professional technician can use different methods for each specific application to implement the described functions, but such implementation should not be considered to exceed the scope of the present invention.

[0162] Those skilled in the art can clearly understand that for the convenience and brevity of description, the specific working processes of the systems, devices, and units described above can refer to the corresponding processes in the foregoing method embodiments and will not be elaborated herein.

[0163] In the several embodiments provided by the present invention, 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 merely illustrative. For example, the division of the units is only one way, and there can be other division methods in actual implementation. For example, 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 displayed or discussed couplings, direct couplings, or communication connections to each other can be through some interfaces. The indirect couplings or communication connections of the devices or units can be in electrical, mechanical, or other forms.

[0164] The unit described as a separation component may or may not be physically separated. The component shown as a unit may or may not be a physical unit, that is, it may be located in one place or distributed to multiple network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0165] In addition, in each embodiment of the present invention, each functional unit may be integrated in a processing unit, may exist independently physically as each unit, or two or more units may be integrated in one unit.

[0166] As described above, only the specific embodiments of the present invention are given, but the protection scope of the present invention is not limited thereto. Any person skilled in the art within the technical scope disclosed by the present invention can easily think of changes or substitutions, which should all be covered by the protection scope of the present invention. Therefore, the protection scope of the present invention should be subject to the protection scope of the claims.

[0167] Finally: The above are only the preferred embodiments of the present invention and are not used to limit the present invention. Any modifications, equivalent substitutions, improvements, etc. made within the spirit and principle of the present invention shall be included in the protection scope of the present invention.

Claims

1. A mobile payment information management system based on aggregated transactions, characterized in that, Including: Compliance detection module: used to obtain the business license information and fund settlement information of the aggregated payment platform, determine the fund settlement chain based on the fund settlement information, and judge whether the aggregated payment platform is compliant based on the business license information and the fund settlement chain; Risk monitoring module: when the aggregated payment platform is compliant, it is used to obtain the static area information and dynamic area information of the aggregated payment page, generate the number of violations according to the static area information, generate the sequence similarity according to the dynamic area information, and input the number of violations and the sequence similarity into a pre-constructed risk classification model to obtain the payment risk result. The payment risk result includes at least low risk and high risk. The aggregated payment page is the payment page in the aggregated payment platform; Transaction settlement module: used to complete the fund settlement when the payment risk result is low risk, and interrupt the fund settlement when the payment risk result is high risk; The dynamic area information includes the payment channel order and the payment channel type. The method for generating the sequence similarity according to the dynamic area information includes: Compare the dynamic area information with the preset standard dynamic area, calculate the first similarity between the payment channel order and the standard channel order, calculate the second similarity between the payment channel type and the standard channel type, and use the sum of the first similarity and the second similarity as the sequence similarity. The standard channel order is the arrangement order of different payment channels in the page of the standard dynamic area, and the standard channel type is the payment channel type in the standard dynamic area.

2. The mobile payment information management system based on aggregated transactions according to claim 1, wherein The method for determining the fund settlement chain according to the fund settlement information includes: Take each element in the payment channel information as a node, construct the edges between the nodes according to the fund flow information, thereby construct a fund flow graph, and use the fund flow graph as the fund settlement chain.

3. The mobile payment information management system based on aggregated transactions according to claim 2, wherein The method for judging whether the aggregated payment platform is compliant includes: According to the business license information, judge whether the aggregated payment platform has a payment business license. If not, the aggregated payment platform is non-compliant. If so, further judge whether the fund settlement chain conforms to the standard settlement process. If so, the aggregated payment platform is compliant. If not, the aggregated payment platform is non-compliant.

4. A mobile payment information management system based on aggregated transactions according to claim 1, characterized in that, The method for generating the number of violations according to the static area information includes: Check each element in the static area information for integrity, compliance, and standardization in sequence, and generate a check result. Obtain the number of violations according to the check result. Integrity check means checking whether all necessary elements exist. Compliance check means comparing whether the attributes of each element conform to the specification. Standardization check means confirming whether the arrangement of page elements conforms to the specification.

5. The mobile payment information management system based on aggregated transactions according to claim 4, wherein The construction method of the standard dynamic area includes: Obtain the channel click times and payment failure times, pre-construct a dynamic area template according to the channel click times, and optimize the dynamic area template according to the payment failure times and the natural inspiration algorithm to obtain the standard dynamic area.

6. The mobile payment information management system based on aggregated transactions according to claim 5, wherein, The method for constructing the dynamic area template includes: Arrange each payment channel in descending order according to the channel click times corresponding to each payment channel, and generate the channel width corresponding to each payment channel in an arithmetic sequence manner.

7. The mobile payment information management system based on aggregated transactions according to claim 6, characterized in that The construction method of the risk classification model includes: Obtain Q sets of training data, where Q is a positive integer greater than 1, and the training data includes the historical number of violations, the historical sequence similarity, and the historical payment risk result; Take the historical number of violations, the historical sequence similarity, and the historical payment risk result as a sample set, divide the sample set into a training set and a test set, and construct a classifier; Use the historical number of violations and the historical sequence similarity in the training set as input data, and use the historical payment risk result in the training set as output data to train the classifier to obtain an initial classifier; Use the test set to test the initial classifier, and output the classifier that meets the preset accuracy as the risk classification model.

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