Electronic payment processing method and device, electronic equipment and storage medium

By modeling the transaction risks of electronic payment users and integrating risk parameters, the problem of ineffective user risk detection in the existing technology is solved, and more comprehensive and accurate risk detection of electronic payments is achieved, and the reliability of payment is improved.

CN119722070APending Publication Date: 2025-03-28TENCENT TECHNOLOGY (SHENZHEN) CO LTD
0 Cites 0 Cited by

Patent Information

Application Number
CN202311282945.2
Authority / Receiving Office
CN · China
Patent Type
Applications(China)
Current Assignee / Owner
Filing Date
2023-09-28
Publication Date
2025-03-28

AI Technical Summary

Technical Problem

The existing technology lacks effective solutions in the detection of user risk of electronic payments, and expert rules are highly subjective and difficult to migrate, while machine learning models can only judge risk patterns based on historical data and cannot fully detect transaction risks.

Method used

By modeling the transaction risks of the target object, the payment behavior variables in the payment behavior sequence are aggregated, the payment event code is generated, and the risk prediction operation is performed based on this, the behavior risk parameters and transaction risk parameters are obtained, and the overall risk parameters are fused into the overall risk parameters to improve the accuracy of risk detection.

Benefits of technology

It has achieved more comprehensive and accurate risk detection of electronic payment users, improved the reliability of electronic payments, and more effectively predicted and warned of transaction risks.

✦ Generated by Eureka AI based on patent content.
Patent Text Reader

Abstract

The invention provides an electronic payment processing method, device and equipment, a computer program product and a computer readable storage medium. The method can be applied to vehicle-mounted scenes; the method comprises the steps of obtaining a payment behavior sequence of multiple electronic payment implemented by a target object; aggregating payment behavior variables of the same dimension in the payment behavior sequence into a payment event code of the payment behavior sequence; executing a first risk prediction operation based on the payment event code to obtain a behavior risk parameter of the target object; obtaining a transaction feature of electronic payment of the target object, and executing a second risk prediction operation based on the transaction feature to obtain a transaction risk parameter of the target object; and fusing the behavior risk parameter and the transaction risk parameter into an overall risk parameter of the target object. According to the invention, the transaction risk of the target object can be modeled, and transaction early warning is carried out according to the transaction risk parameters, so that the reliability of electronic payment is improved.
Need to check novelty before this filing date? Find Prior Art