CN114445065A

CN114445065A - Small-amount secret-free limit control method and device

Info

Publication number: CN114445065A
Application number: CN202210113001.1A
Authority: CN
Inventors: 朱光源; 孙俊峰
Original assignee: Agricultural Bank of China
Current assignee: Agricultural Bank of China
Priority date: 2022-01-29
Filing date: 2022-01-29
Publication date: 2022-05-06

Abstract

The invention discloses a method and a device for controlling a small amount of secret-free quota, wherein the method comprises the following steps: determining the number of times that the single consumed amount in the last preset period falls into each consumed amount interval; if the consumption amount interval with the most times is a preset interval, determining that the secret-free amount is a preset maximum value, and ending the control method, otherwise, calculating the consumption amount expectation in the last preset period; determining the average level and the discrete degree of the single consumption amount in the last preset period; calculating expected consumption cost according to the consumption amount expectation, the average level and the discrete degree; determining a consumption characteristic adjusting value according to the consumption parameters of a preset time interval in the last preset period; determining a risk factor according to the basic information and the risk information of the associated equipment card; and calculating the secret-free amount according to the expected consumption cost, the consumption characteristic adjustment value and the risk factor. The application scheme improves the success rate of secret-free payment and the experience of consumers.

Description

Small amount secret-free limit control method and device

Technical Field

The invention relates to the field of secret-free payment, in particular to a small-amount secret-free limit control method and device.

Background

With the popularization of mobile payment, the small amount secret-free payment is gradually accepted by the public as a convenient payment method.

The traditional small amount secret-free payment scheme limits the amount of small amount secret-free payment to a certain fixed value or a plurality of fixed values, and a consumer can use secret-free payment when the payment amount is within the fixed value range.

The scheme often has the conditions that the consumption excess and the quota do not meet the expectation of the consumer, the failure rate of payment is high, and the experience of the consumer is poor.

Disclosure of Invention

The invention provides a method and a device for controlling a small amount of secret-free quota, which are used for improving the success rate of secret-free payment and improving the experience of consumers.

According to an aspect of the present invention, there is provided a method for controlling a small amount of secret-free money, the method comprising:

determining the number of times that the single consumption amount of the consumer in the last preset period falls into each consumption amount interval;

if the consumption amount interval with the most times is a preset interval, determining that the privacy-free amount of the consumer is a preset maximum value, and ending the control method, otherwise, calculating the consumption amount expectation of the consumer in the last preset period, wherein the consumption amount expectation is the mathematical expectation of the single consumption amount in the last preset period;

determining the average level and the discrete degree of the single consumption amount of the consumer in the last preset period;

calculating the expected consumption cost of the consumer according to the consumption amount expectation, the average level and the dispersion degree;

determining a consumption characteristic adjusting value according to the consumption parameters of a preset time interval in the last preset period;

determining a risk factor according to the basic information and the risk information of the associated equipment card;

and calculating the privacy-free amount of the consumer according to the expected consumption cost, the consumption characteristic adjustment value and the risk factor.

According to another aspect of the present invention, there is provided a small amount secret-free limit control device, including: the system comprises a consumption interval determining module, a consumption grade determining module, an average level and discrete degree determining module, an expected consumption expense calculating module, a consumption characteristic regulating value determining module, a risk factor determining module and a secret-free amount calculating module; the consumption interval determining module is used for determining the times that the single consumption amount of the consumer in the last preset period falls into each consumption amount interval; the consumption grade determining module is used for determining the secret-free amount of the consumer as a preset maximum value when the consumption grade corresponding to the consumption amount interval with the most times is a preset grade, and ending the control method, otherwise, calculating the consumption amount expectation of the consumer in the last preset period; the average level and dispersion degree determining module is used for determining the average level and dispersion degree of all single consumption money of the consumer in the last preset period; the expected consumption expense calculation module is used for calculating the expected consumption expense of the consumer according to the consumption amount expectation, the average level and the dispersion degree; the consumption characteristic adjusting value determining module is used for determining a consumption characteristic adjusting value according to the consumption parameters of the preset time interval in the previous preset period; the risk factor determining module is used for determining a risk factor according to the basic information and the risk information of the associated equipment card; and the secret-free quota calculation module is used for calculating the secret-free quota of the consumer according to the expected consumption cost, the consumption characteristic adjustment value and the risk factor.

According to the technical scheme of the embodiment of the invention, the expected consumption amount is determined according to the consumption behavior of the consumer in the last preset period, the secret-free payment amount is directly determined to be the preset maximum value when the single consumption amount is generally high in the last preset period, the average level and the discrete degree of the single consumption in the last preset period are further introduced, the expected consumption cost is calculated, and finally, the consumption characteristic adjusting value and the risk factor are introduced to calculate the final secret-free amount.

It should be understood that the statements in this section do not necessarily identify key or critical features of the embodiments of the present invention, nor do they necessarily limit the scope of the invention. Other features of the present invention will become apparent from the following description.

Drawings

In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings needed to be used in the description of the embodiments will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.

FIG. 1 is a flowchart of a method for controlling a small amount of secret-free credit according to an embodiment of the present invention;

FIG. 2 is a flowchart illustrating another method for controlling a small amount of secret-free credit according to an embodiment of the present invention;

FIG. 3 is a flowchart illustrating another method for controlling a small amount of secret-free credit according to an embodiment of the present invention;

FIG. 4 is a schematic structural diagram of a small amount secret-free limit control device according to an embodiment of the present invention;

fig. 5 is a schematic structural diagram of an electronic device implementing the method for controlling a small amount of exemption from secret quota according to the embodiment of the present invention.

Detailed Description

In order to make the technical solutions of the present invention better understood, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

It should be noted that the terms "first," "second," and the like in the description and claims of the present invention and in the drawings described above are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used is interchangeable under appropriate circumstances such that the embodiments of the invention described herein are capable of operation in sequences other than those illustrated or described herein. Furthermore, the terms "comprises" and "comprising," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed, but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.

The embodiment of the invention provides a small amount secret-free limit control method which can be implemented by a computer or other devices with data analysis and processing functions. Fig. 1 is a flowchart of a method for controlling a small amount of secret-free credit according to an embodiment of the present invention, and referring to fig. 1, the method for controlling the small amount of secret-free credit includes:

s101, determining the number of times that the sum of single consumption of the consumer in the previous preset period falls into each consumption sum interval.

Specifically, the preset period is a preset time period, and may be, for example, a month, a quarter, a year, or other suitable time period. If the predetermined period is one month, the previous predetermined period may be thirty days before the current day or the first day to the last day of the previous month. The consumption habits of each consumer are different, different consumption groups need to be distinguished through consumption grade division, and different consumption grades can be quantified through the number of times that all single consumption falls into each consumption amount interval in the previous preset period. The consumption amount interval is the range within which the consumption amount of single consumption falls, and can be set by developers according to actual requirements.

Illustratively, the consumption amount interval may be divided into 5 intervals, the consumption level 1 corresponds to the consumption amount interval (0, 50), the consumption level 2 corresponds to the consumption amount interval (50, 200), the consumption level 3 corresponds to the consumption amount interval (200, 500), the consumption level 4 corresponds to the consumption amount interval (500, 1000), the consumption level 5 corresponds to the consumption amount interval (1000, ∞), and the number of times that a single consumption amount falls in the level 1 to the level 5 may be represented by a one-dimensional array as time { a, b, c, d, e }.

And S102, if the consumption amount interval with the most times is a preset interval, determining that the password-free amount of the consumer is a preset maximum value, and ending the control method, otherwise, calculating the consumption amount expectation of the consumer in the last preset period.

Specifically, the preset interval may be one or more intervals with the highest amount of money in the consumption amount interval, and is set according to the demand and the division of the consumption amount interval, for example, the preset interval may be (1000, ∞) one interval, or (500,1000] and (1000, ∞) two intervals, if the number of times that the amount of money of a single consumption in the last preset period falls into the preset interval is the highest, the privacy-free amount of the consumer is directly determined as the preset maximum value, the preset maximum value is the highest privacy-free amount that the bank can provide for the consumer, the highest privacy-free amount may be set in advance by the bank according to the credit rating, account balance and other information about credit and asset of the consumer, the highest number of times that the amount of money of a single consumption in the last preset period falls into the preset interval indicates that the consumption level in the last preset period is the highest, therefore, the secret-free quota is a preset maximum value, and high-price consumption of the consumer is facilitated. In addition, if the consumption amount interval in which the single consumption amount falls the most frequently in the previous preset period is not the preset interval, the consumption amount expectation of the single consumption of the consumer in the previous preset period needs to be further calculated and determined, wherein the consumption amount expectation is the mathematical expectation of the single consumption amount in the previous preset period. The spending amount is expected to macroscopically reflect approximately the single consumption level of the consumer within a preset period.

S103, determining the average level and the discrete degree of the single consumption amount of the consumer in the last preset period.

Specifically, the average level may refer to an average level of all the single consumptions of the consumer in the previous preset period, and may be calculated by an average value of all the single consumptions in the previous preset period. The discrete degree may represent the discrete degree of all the single consumptions of the consumer in the previous preset period, and may be represented by the variance of all the single consumptions in the previous preset period.

And S104, calculating the expected consumption cost of the consumer according to the consumption amount expectation, the average level and the discrete degree.

Specifically, the expected consumption cost is the consumption amount level in the preset period predicted according to all single consumption amounts in the previous preset period, and can be calculated according to the consumption amount expectation, the average level and the dispersion degree. Both the average level and the spending amount expectation are positively correlated to the expected spending fees. The discrete degree can reflect the consumption regularity, and the smaller the discrete degree value is, the more regular the consumption of the consumer in the preset period is.

And S105, determining a consumption characteristic adjusting value according to the consumption parameters of the preset time interval in the last preset period.

In particular, when determining the privacy-free quota of the consumer, the determination of the consumption characteristics of the consumer is not limited to the expected consumption cost from the macroscopic perspective, and the consumption behavior in special situations also needs to be considered. The preset time interval may be a special consumption interval in the preset period, and for example, the preset time interval may be at least one of a unit interval with the highest consumption amount, a unit interval with the highest consumption number, a unit interval with the lowest consumption amount, and a unit interval with the lowest consumption number. The unit interval may be one day, one month, or other periodic time intervals. The consumption parameters may be number of consumption, amount of money, and time of consumption. The consumption characteristic adjustment value can reflect the characteristics of the consumption amount of a certain time period in a preset time interval. Illustratively, the consumption characteristic adjusting value in the time period from 7 am to 10 am every day of the month can be calculated according to the consumption amount of a single time in the time period from 7 am to 10 am in the day with the highest consumption amount, the day with the highest consumption number, the day with the lowest consumption amount and the day with the lowest consumption number in the last month, the consumption characteristic adjusting value can modify the privacy-free amount, so that the privacy-free amount is not only suitable for consumption behaviors in a common situation, but also suitable for consumption in a special consumption situation, and the special consumption situation comprises the consumption situation that the total consumption amount of a single day is higher than a normal range, the total consumption amount of a single day is lower than a normal range, the number of consumption strokes of a single day is higher than a normal range and the number of consumption strokes of a single day is lower than a normal range.

And S106, determining a risk factor according to the basic information and the risk information of the associated equipment card.

Specifically, the device card is a virtual card which is stored in a mobile phone near field communication chip (NFC chip) or other portable intelligent devices and simulates information of a physical bank card, the device card is associated with the bank card, and a consumer can hold the device card for consumption, and the device card has the same function as the bank card. The basic information of the equipment card is the information of the card opener of the equipment card and the basic information of the card, and can comprise a main card reputation grade, equipment card application time, equipment card expiration time and any other basic information. The risk information is related information of risk behaviors of the equipment card and can be transaction failure times, consumption failure time, blackened times, blackened duration and other information related to credit of consumers. The risk factor may represent the possibility of the consumer to perform a risk action using the device card, in relation to the basic information and the risk information of the device card.

And S107, calculating the free limit of the consumer according to the expected consumption cost, the consumption characteristic adjusting value and the risk factor.

In particular, the small amount of secret-free payment is a convenient payment service provided by banks, and when consumers hold cards for consumption, the payment can be completed without passwords and signatures. The secret free amount is the maximum amount of money which can be paid with a small secret free amount. The consumption characteristic adjusting value and the risk factor are introduced on the basis of expected consumption cost, so that the secret-free limit of the consumer can be calculated, the secret-free limit is a default secret-free limit provided by a bank for the consumer, and the consumption requirements of the user in different periods and under different conditions are adapted according to the consumption behavior of the last preset period and the period dynamic change during consumption.

According to the method for controlling the small secret-free amount, the expected consumption amount can be determined according to the consumption behavior of the consumer in the last preset period, the secret-free payment amount is directly determined to be the preset maximum value when the single consumption amount in the last preset period is generally high, the average level and the dispersion degree of the single consumption in the last preset period can be introduced, the expected consumption cost is calculated, the consumption characteristic adjusting value and the risk factor are introduced to calculate the final secret-free amount, the consumption habits and the risk consumption behaviors in all periods are considered for the secret-free amount, the consumption habits of the consumer can be better met, the dynamic control of the small secret-free payment amount is realized, the secret-free amount can dynamically adapt to the consumption habits of the consumer in all periods, the success rate of secret-free payment can be improved, and the experience feeling of the consumer can be improved.

With continued reference to fig. 1, optionally, after calculating the privacy-free amount of the consumer according to the expected consumption cost, the consumption characteristic adjustment value and the risk factor, the method further comprises:

and S108, determining an optional quota according to the discrete degree and the expected consumption cost.

Specifically, if the discrete value is less than or equal to the preset discrete value, it indicates that the consumption amount and time distribution of the consumer are relatively smooth and regular, and a certain level of privacy-free credit selection may be provided, for example, the selectable credit may be set to four levels for the consumer to select, which are 1/4 times of expected consumption cost, 1/2 times of expected consumption cost, 3/4 times of expected consumption cost, and one-time expected consumption cost, respectively. If the discrete value is higher than the preset discrete value, which indicates that the consumption amount and the time distribution of the consumer fluctuate obviously, more levels of selection of the privacy-free amount are required to be provided, and the selectable amount can be set to six levels for the selection of the consumer, such as 1/6 times of expected consumption cost, 1/3 times of expected consumption cost, 1/2 times of expected consumption cost, 2/3 times of expected consumption cost, 5/6 times of expected consumption cost and single-time expected consumption cost. The consumer can select one of the selectable quota according to the self requirement, and the selectable quota selected by the consumer is within the range of the expected consumption cost and has the authority higher than the privacy exemption quota determined in the step S107. If the consumer selects a certain selectable quota, the actual secret-free quota is the selectable quota, and if the consumer does not select the selectable quota, the actual secret-free quota is the secret-free quota determined in step S107. The consumer can select the amount according to the self requirement on the basis of adopting the expected consumption expense determined dynamically, so that the determined secret-free amount is more in line with the requirement of the user, the safety and the successful payment probability of the secret-free amount are ensured, and the experience of the user is improved.

Fig. 2 is a flowchart of another small secret-free credit control method according to an embodiment of the present invention, and referring to fig. 2, the small secret-free credit control method includes:

s201, determining the number of times that the single consumed amount of the consumer in the previous preset period falls into each consumed amount interval.

S202, if the consumption amount interval with the most times is a preset interval, determining that the password-free amount of the consumer is a preset maximum value, and ending the control method, otherwise, calculating the consumption amount expectation according to a first calculation formula.

Specifically, the first calculation formula is

Wherein, a is the sum of the products of the maximum value and the corresponding times of each consumption amount interval, if the maximum value of the consumption amount interval is infinite, the maximum value of the consumption amount interval is the minimum value plus a preset amount, and the preset amount can be the maximum difference value of the previous consumption amount interval. Illustratively, if the consumption amount interval is (1000, ∞)]The last interval of the interval is (500, 1000)]Then the maximum value of the consumption amount interval is equal to the minimum value 1000 plus the preset amount 500. And B is the sum of the corresponding times of each consumption amount interval.

Consumption level	Consumption money interval (Yuan)
		1	(0,50]
2	(50,200]
		3	(200,500]
4	(500,1000]
		5	(1000,∞)

Table 1 is a table of relationship between consumption levels and corresponding amounts of consumption provided in this embodiment

Illustratively, the last preset period is the previous month during consumption, the consumption level and the corresponding consumption amount interval are shown in table 1, the number of times that the amount consumed by a single pen in the last preset period falls in the level 1 to the level 5 is represented by a one-dimensional array time ═ { a, b, c, d, e }, and if the maximum value in the time is e, the secret-free amount provided for the user is a preset maximum value 2000. Otherwise, calculating the expected consumption amount according to the first calculation formula

The spending amount is expected to macroscopically reflect the consumption level and the corresponding amount of the consumer within the last month.

And S203, calculating the average value of the single consumption amount of the consumer in the last preset period according to a second calculation formula.

Specifically, the preset period is one month. The second calculation formula is

Wherein, AM is the average value of the single consumption amount of the consumer in the last preset period, n is the consumption number of the consumer in the last preset period, and cost (i) is the consumption amount of the ith time. The average value may represent an average amount of a single consumption in a previous preset period.

And S204, calculating the variance of the single consumption amount of the consumer in the last preset period according to a third calculation formula.

Specifically, the third calculation formula is

Wherein, Var is the variance of the single consumption amount of the consumer in the last preset period. The variance may be represented by the extent to which the amounts of all single-stroke consumption are dispersed within the last preset period. The variance may also be replaced by a standard deviation or other mathematical parameter that characterizes the degree of data dispersion.

And S205, calculating the expected consumption cost according to a fourth calculation formula.

Specifically, the fourth calculation formula is

Omega is expected consumption cost, lambda is a first preset weight, lambda is more than 0 and less than 0.5, the value of the first preset weight can represent the correlation degree between the secret-free amount and the expected consumption amount in the previous period, the higher the correlation degree, the higher the value of lambda is, developers can determine the value of lambda according to actual requirements, mu is a second preset weight, 1 and more than mu are more than 0.5, the value of the second preset weight can represent the correlation degree between the secret-free amount and the average value of the consumption amount of a single pen in the previous period, the higher the correlation degree, the smaller the value of mu is, and the developers can determine the value of mu according to the actual requirements. The expected consumption cost is a predicted value of the single consumption amount in the period according to the consumption behavior in the last preset period.

And S206, calculating the consumption characteristic adjustment value according to a fifth calculation formula.

Specifically, the preset time interval includes a day with the highest single-day consumption amount, a day with the lowest single-day consumption amount and no more than 0, a day with the highest single-day consumption pen count, and a day with the lowest single-day consumption pen count and no more than 0. The fifth calculation formula is

Wherein theta is a consumption characteristic regulating value, s is the average value of the single consumption amount in a preset time period of the day with the highest single-day consumption amount, and t is a preset time of the day with the lowest single-day consumption amount and not 0The average value of the single consumption money in the section, p is the average value of the single consumption money in the preset time period of the day with the largest number of consumption strokes per day, q is the average value of the single consumption money in the preset time period of the day with the smallest number of consumption strokes per day and not 0, Max (s, t, p, q) is the maximum value of s, t, p and q, C_MMax (s, t, p, q) is the average value of the single consumption amount in the corresponding preset time interval. The preset time period is a preset time period in a day, and may be, for example, 6 a.m.: 00-8:00, the calculated consumption characteristic adjustment value is 6: the characteristic adjustment value of 00-8:00 can be calculated according to the consumption characteristic adjustment value as 6 a.m.: the secret-free quota is corresponding to 00-8: 00. The secret-free quota can be changed according to different time periods in a day, and the consumption characteristic adjusting value can reflect the relation between the special consumption behaviors and the time periods in the day due to different probabilities of the special consumption behaviors in the time periods in the day. Illustratively, if the amount and frequency of the consumer rush before sleep is higher in the last month than before one month, the consumption characteristic value of 9:00-12:00 in the evening of this month will increase. Furthermore, the secret-free limit can be properly improved every night of 9:00-12:00 every day in the month so as to meet the demand of consumers for shopping at night.

And S207, calculating the risk factor according to a sixth calculation formula.

Specifically, the sixth calculation formula is

Wherein epsilon is a risk factor, x is the number of transaction failures occurring in the history of the associated device card, k is the number of mobile payment consumed by a consumer in the last preset period, P is the total blackened time length of the associated device card, T is the effective time length of the associated device card, and L is the credit value of the main card. The risk factor is positively correlated with the transaction failure times and the black-out time, and negatively correlated with the credit of the main card, and the risk factor can quantify the consumption risk of the consumer. The risk factor is considered when the secret-free limit is calculated, so that a lower secret-free limit can be provided for a consumer with a higher risk, the consumption risk of the consumer is reduced, and the account security is improved.

And S208, calculating the secret-free limit according to a seventh calculation formula.

Specifically, the seventh calculation formula is

Wherein EXP is a secret-free amount, theta is a consumption characteristic adjusting value, omega is an expected consumption expense, and epsilon is a risk factor.

Illustratively, under the condition that a consumer agrees to automatically adjust the secret-free limit by adopting a small secret-free limit control method, a server of a bank can calculate a dynamic secret-free limit according to the consumption condition of the consumer in the last month, the credit value, the black-pulling duration of the associated equipment card and the effective duration of the associated equipment card, the secret-free limit can change along with different daily periods and last preset periods, and the secret-free limit can adapt to the daily consumption amount of the consumer, consumption characteristics and consumption risks in different periods.

S209, determining the selectable quota according to the discrete degree and the expected consumption cost.

Step S209 is the same as step S108, and is not described herein again.

The small-amount privacy-free limit control method provided by this embodiment directly determines the privacy-free limit as the preset maximum limit when the last month consumption amount falls into the highest consumption interval for the most times, otherwise determines the expected consumption cost of this month according to the consumption amount of the last preset period, further determines the consumption characteristic adjustment value according to the time period and amount of special consumption of the last month by the consumer, calculates the risk factor of the consumer according to the credit value and the blackened time length of the consumer, further calculates the privacy-free limit according to the expected consumption cost, the consumption characteristic adjustment value and the risk factor, and provides the selectable limit for the consumer to select when the consumer does not want to use the dynamic privacy-free limit, thereby realizing the dynamic calculation of the small-amount privacy-free limit, and the introduced consumption characteristic adjustment value can make the privacy-free limit more suitable for the special consumption requirements of the consumer at different time periods, and improving the success rate of privacy-free payment, and the introduction of the risk factor can reduce the risk of secret-free payment, and further improve the account security.

Fig. 3 is a flowchart of another small secret-free quota controlling method according to an embodiment of the present invention, and referring to fig. 3, the small secret-free quota controlling method includes:

s301, judging whether the consumer is a distrusted person or not according to the credit mark of the associated equipment card.

Specifically, the credit mark is a credit level mark set for the customer account by the bank according to the storage, reception, payment and consumption records of the customer. The reputation token may reflect the credit status of the consumer account. If the credit mark is in an activated state, the credit mark indicates that the consumer is in a blacklist, and the consumer is a distrusted person in the current time period. If the reputation mark is in other states, the consumer is not in the blacklist, and the consumer is not a person who loses confidence in the current time period.

S302, if yes, the small amount secret-free payment service is not provided, and the control method is ended, otherwise, the next step is carried out.

Specifically, if the consumer is a lost person, the consumer is not provided with a small amount of secret-free payment service, so that excessive consumption of the lost person is prevented. If the consumer is not a distrusted person, the next step can be entered to normally determine the privacy-free quota of the consumer.

S303, determining the activity of the consumer according to the relative relation between the total consumption pen number of the consumer in the last preset period and the preset value.

Specifically, the total number of consumed strokes in the previous preset period is the number of times of all single-stroke consumption in the previous period, which may reflect the consumption activity of the consumer. The preset value is one or more preset consumption strokes, and a developer can set the preset value according to actual requirements. Different relative relations between the total consumption pen number in the last preset period and the preset value can correspond to different liveness of the consumer. And further judging whether the activity degree is in the set activity range. For example, if the total number of consumed strokes of the consumer in the last preset period is greater than or equal to the preset value, it may be determined that the liveness of the consumer is high, otherwise it may be determined that the liveness of the consumer is low.

S304, if the activity is in the set activity range, entering the next step, otherwise, determining the password-free amount of the consumer as the preset minimum value, closing the small-amount password-free payment function by default and ending the control method.

Specifically, the activity level not being in the set activity range indicates that the number of consumption of the consumer in the previous month is small. If the activity is not in the set activity range, the activity can be not larger than a preset activity value, at this time, the secret-free amount of the consumer can be directly determined to be a preset minimum value, the small secret-free payment function is closed by default, and the control method is ended. If the activity is in the set activity range, the next step can be carried out to further determine the secret free amount. The preset minimum value is a minimum secret-free amount value which can be provided for the consumer by a bank set in advance, and the consumer with the secret-free amount being the preset minimum value can consume by using secret-free payment only when the single consumption amount is smaller than the preset minimum value. The default closing of the small amount secret-free payment function means that the small amount secret-free payment function is correspondingly opened only by inputting a signal for opening the secret-free payment function again by the consumer.

Illustratively, the preset values may include a first preset value 10, a second preset value 30, and a third preset value 50. The liveness is 1 when the number of consuming strokes is less than or equal to 10, the liveness is 2 when the number of consuming strokes is greater than 10 and less than or equal to 30, and the liveness is 3 when the number of consuming strokes is greater than 30. The activity range is set to have an activity of not less than 2. If the number of consumption strokes of the consumer in the last month is 2 and is smaller than the first preset value 10, determining that the activity of the consumer is 1, the activity is not smaller than 2, and at the moment, the activity of the consumer is not in the set activity range, directly determining that the password-free amount of the consumer is a preset minimum value, closing the small-amount password-free payment function and ending the control method. If the activity of the consumer in the last month is not within the active range, the small amount secret-free payment function is closed by default, the user needs to input a signal for opening the secret-free payment function again to correspondingly open the small amount secret-free payment function in the current month, and the secret-free amount is provided as a preset minimum value.

S305, determining the number of times that the single consumption amount of the consumer in the previous preset period falls into each consumption amount interval.

S306, if the consumption amount interval with the most times is a preset interval, determining that the password-free amount of the consumer is a preset maximum value, and ending the control method, otherwise, calculating the consumption amount expectation according to a first calculation formula.

S307, calculating the average value of the single consumption amount of the consumer in the last preset period according to a second calculation formula.

And S308, calculating the variance of the single consumption amount of the consumer in the last preset period according to a third calculation formula.

And S309, calculating the expected consumption cost according to a fourth calculation formula.

And S310, calculating a consumption characteristic adjusting value according to a fifth calculation formula.

And S311, calculating the risk factor according to a sixth calculation formula.

And S312, calculating the secret-free limit according to a seventh calculation formula.

S313, determining the selectable quota according to the discrete degree and the expected consumption cost.

The contents of steps S305, S306, S307, S308, S309, S310, S311, S312, and S313 are respectively the same as the contents of steps S201, S202, S203, S204, S205, S206, S207, S208, and S209, and are not described herein again.

According to the small amount secret-free limit control method provided by the embodiment, before calculating the secret-free limit, whether a consumer is a distrusted person is judged according to a credit mark, if yes, the small amount secret-free payment service is not provided, otherwise, the liveness is determined according to the consumption times of the user in the last preset period, if the liveness is lower and is not in the preset active range, the small amount secret-free payment service is closed by default, a preset minimum value is provided as the secret-free limit, and if the liveness is higher and is in the preset active range, the secret-free limit is calculated continuously, so that the identification of the distrusted person and the inactive consumer is realized, the secret-free payment service is stopped being provided for the distrusted person, the secret-free payment function of the inactive consumer is closed by default, the excessive consumption of the distrusted person and the abnormal consumption of the inactive consumer are prevented, and the safety degree of the secret-free payment is further improved.

The embodiment of the invention also provides a small amount secret limit-free control device. Fig. 4 is a schematic structural diagram of a small amount secret-free limit control device according to an embodiment of the present invention, and referring to fig. 4, the small amount secret-free limit control device 400 includes: the system comprises a consumption interval determining module 401, a consumption grade determining module 402, an average level and dispersion degree determining module 403, an expected consumption expense calculating module 404, a consumption characteristic adjusting value determining module 405, a risk factor determining module 406 and a secret-free amount calculating module 407, wherein the consumption interval determining module 401 is used for determining the number of times that the amount of single consumption of a consumer in the last preset period falls into each consumption amount interval; the consumption level determining module 402 is configured to determine, when the consumption level corresponding to the consumption amount interval with the largest number of times is a preset level, that the secret-free amount of the consumer is a preset maximum value, and end the control method, otherwise calculate an expected consumption amount of the consumer in a last preset period; the average level and dispersion degree determining module 403 is configured to determine the average level and dispersion degree of all the single consumptions of the consumer in the last preset period; the expected consumption expense calculation module 404 is used for calculating the expected consumption expense of the consumer according to the consumption amount expectation, the average level and the discrete degree; the consumption characteristic adjustment value determining module 405 is configured to determine a consumption characteristic adjustment value according to the consumption parameter of the preset time interval in the last preset period; the risk factor determining module 406 is configured to determine a risk factor according to the basic information and the risk information of the associated device card; the secret amount exempting calculation module 407 is used for calculating the secret amount exempted from the consumer according to the expected consumption cost, the consumption characteristic adjustment value and the risk factor.

The embodiment of the invention also provides the electronic equipment. Fig. 5 is a schematic structural diagram of an electronic device of a small amount secret-free limit control method according to an embodiment of the present invention, and referring to fig. 5, the electronic device 500 includes: at least one processor 501; and a memory 502 communicatively coupled to the at least one processor 501; the memory 502 stores a computer program executable by the at least one processor 501, and the computer program is executed by the at least one processor 501, so that the at least one processor 501 can execute the small amount privacy protection amount control method in any embodiment.

The small amount secret-free limit control method, the device and the electronic equipment provided by the invention can determine the expected consumption amount according to the consumption behavior of a consumer in the last preset period, directly determine the secret-free payment amount to be the preset maximum value when the single consumption amount is generally high in the last preset period, further introduce the average level and the dispersion degree of the single consumption in the last preset period, calculate the expected consumption cost, further introduce the consumption characteristic adjusting value and the risk factor to calculate the final secret-free limit, take the consumption habits and the risk consumption behaviors of each period into account for the secret-free limit, can better accord with the consumption habits of the consumer, realize the dynamic control of the small amount secret-free payment amount, dynamically adapt to the consumption habits of the consumer in each period, improve the success rate of secret-free payment, improve the experience feeling of the consumer, and directly provide the preset minimum limit and close the secret-free payment function by default when the consumption activity is low, the secret payment can be closed when the consumer is a person who loses confidence, and the safety degree of the secret payment of the consumer is improved.

Various implementations of the systems and techniques described here above may be implemented in digital electronic circuitry, integrated circuitry, Field Programmable Gate Arrays (FPGAs), Application Specific Integrated Circuits (ASICs), Application Specific Standard Products (ASSPs), system on a chip (SOCs), load programmable logic devices (CPLDs), computer hardware, firmware, software, and/or combinations thereof. These various embodiments may include: implemented in one or more computer programs that are executable and/or interpretable on a programmable system including at least one programmable processor, which may be special or general purpose, receiving data and instructions from, and transmitting data and instructions to, a storage system, at least one input device, and at least one output device.

A computer program for implementing the methods of the present invention may be written in any combination of one or more programming languages. These computer programs may be provided to a processor of a general purpose computer, special purpose computer, or other programmable data processing apparatus, such that the computer programs, when executed by the processor, cause the functions/acts specified in the flowchart and/or block diagram block or blocks to be performed. A computer program can execute entirely on a machine, partly on a machine, as a stand-alone software package partly on a machine and partly on a remote machine or entirely on a remote machine or server.

In the context of the present invention, a computer-readable storage medium may be a tangible medium that can contain, or store a computer program for use by or in connection with an instruction execution system, apparatus, or device. A computer readable storage medium may include, but is not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any suitable combination of the foregoing. Alternatively, the computer readable storage medium may be a machine readable signal medium. More specific examples of a machine-readable storage medium would include an electrical connection based on one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.

To provide for interaction with a user, the systems and techniques described here can be implemented on an electronic device having: a display device (e.g., a CRT (cathode ray tube) or LCD (liquid crystal display) monitor) for displaying information to a user; and a keyboard and a pointing device (e.g., a mouse or a trackball) by which a user can provide input to the electronic device. Other kinds of devices may also be used to provide for interaction with a user; for example, feedback provided to the user can be any form of sensory feedback (e.g., visual feedback, auditory feedback, or tactile feedback); and input from the user may be received in any form, including acoustic, speech, or tactile input.

The systems and techniques described here can be implemented in a computing system that includes a back-end component (e.g., as a data server), or that includes a middleware component (e.g., an application server), or that includes a front-end component (e.g., a user computer having a graphical user interface or a web browser through which a user can interact with an implementation of the systems and techniques described here), or any combination of such back-end, middleware, or front-end components. The components of the system can be interconnected by any form or medium of digital data communication (e.g., a communication network). Examples of communication networks include: local Area Networks (LANs), Wide Area Networks (WANs), blockchain networks, and the internet.

The computing system may include clients and servers. A client and server are generally remote from each other and typically interact through a communication network. The relationship of client and server arises by virtue of computer programs running on the respective computers and having a client-server relationship to each other. The server can be a cloud server, also called a cloud computing server or a cloud host, and is a host product in a cloud computing service system, so that the defects of high management difficulty and weak service expansibility in the traditional physical host and VPS service are overcome.

It should be understood that various forms of the flows shown above may be used, with steps reordered, added, or deleted. For example, the steps described in the present invention may be executed in parallel, sequentially, or in different orders, and are not limited herein as long as the desired results of the technical solution of the present invention can be achieved.

The above-described embodiments should not be construed as limiting the scope of the invention. It should be understood by those skilled in the art that various modifications, combinations, sub-combinations and substitutions may be made in accordance with design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.

Claims

1. A method for controlling a small amount of money without secret is characterized by comprising the following steps:

if the consumption amount interval with the most times is a preset interval, determining that the secret-free amount of the consumer is a preset maximum value, and ending the control method, otherwise, calculating the consumption amount expectation of the consumer in the last preset period, wherein the consumption amount expectation is the mathematical expectation of the single consumption amount in the last preset period;

2. The method as claimed in claim 1, further comprising, after calculating the secret quota of the consumer according to the expected consumption cost, the consumption characteristic adjustment value and the risk factor:

and determining an optional amount according to the discrete degree and the expected consumption cost, wherein the optional amount is within the range of the expected consumption cost and has a higher authority than the secret-free amount.

3. The method as claimed in claim 1, wherein calculating the expected amount of money consumed by the consumer in the previous predetermined period comprises: calculating the spending amount expectation according to a first calculation formula which is

Wherein A is the sum of the products of the maximum value and the corresponding times of each consumption amount interval, and B is the sum of the corresponding times of each consumption amount interval.

4. The method as claimed in claim 3, wherein the step of determining the average level and the discrete degree of all the single spending amounts of the consumer in the previous preset period comprises:

calculating the average value of the single consumption amount of the consumer in the last preset period according to a second calculation formula, wherein the second calculation formula is

Wherein, AM is the average value of the single consumption amount of the consumer in the last preset period, n is the consumption number of the consumer in the last preset period, and cost (i) is the consumption amount of the ith time;

calculating the variance of the single consumption amount of the consumer in the last preset period according to a third calculation formula, wherein the third calculation formula is

Wherein, Var is the variance of the single consumption amount of the consumer in the last preset period.

5. The small amount privacy-free unit control method of claim 4, wherein calculating the expected consumption cost of the consumer according to the consumption amount expectation, the average level and the dispersion degree comprises:

calculating the expected consumption cost according to a fourth calculation formula, wherein the fourth calculation formula is that omega is equal to

Where ω is the expected cost, λ is a first predetermined weight and λ < 0.5, μ is a first predetermined weight andμ＞0.5。

6. the method of claim 5, wherein the predetermined time interval includes a day with the highest single-day consumption, a day with the lowest single-day consumption and no more than 0, a day with the highest single-day consumption, and a day with the lowest single-day consumption and no more than 0;

determining a consumption characteristic adjustment value according to the consumption parameters of the preset time interval in the previous preset period, wherein the method comprises the following steps: calculating the consumption characteristic adjustment value according to a fifth calculation formula, wherein the fifth calculation formula is

Wherein θ is the consumption characteristic adjustment value, s is the average value of the single consumption amount within a preset time period of day with the highest single-day consumption amount, t is the average value of the single consumption amount within a preset time period of day with the lowest single-day consumption amount and is not 0, p is the average value of the single consumption amount within a preset time period of day with the highest single-day consumption amount, q is the average value of the single consumption amount within a preset time period of day with the lowest single-day consumption amount and is not 0, Max (s, t, p, q) is the maximum value of s, t, p and q, C_MMax (s, t, p, q) is the average value of the single consumption amount in the preset time interval.

7. The small amount privacy-free quota controlling method as claimed in claim 6, wherein determining the risk factor according to the basic information and the risk information of the associated device card comprises:

calculating the risk factor according to a sixth calculation formula

Wherein epsilon is the risk factor, x is the number of transaction failures occurred in the history of the associated device card, k is the number of mobile payment consumed by the consumer in the last preset period, P is the total blackened time length of the associated device card, T is the effective time length of the associated device card, and L is the credit value of the main card.

8. The small amount privacy-free unit control method of claim 7, wherein calculating the privacy-free unit of the consumer according to the expected consumption cost, the consumption characteristic adjustment value and the risk factor comprises: calculating the secret-free quota according to a seventh calculation formula, wherein the seventh calculation formula is

Wherein EXP is the secret-free quota.

9. The method as claimed in claim 1, wherein before determining the number of times that the amount of a single consumption of the consumer in the previous preset period falls within each consumption amount interval, the method further comprises:

determining the activity of the consumer according to the relative relation between the total consumption pen number of the consumer in the last preset period and a preset value;

and if the activity is in the set activity range, entering the next step, otherwise, determining that the secret-free amount of the consumer is a preset minimum value, defaulting to close the small secret-free payment function, and ending the control method.

10. The method as claimed in claim 9, wherein before determining the activity of the consumer according to the relative relationship between the total number of consumed strokes of the consumer in the previous preset period and a preset value, the method further comprises:

judging whether the consumer is a distrusted person or not according to the consumer credit mark of the associated equipment card;

if yes, the small amount secret-free payment service is not provided and the control method is ended, otherwise, the next step is carried out.

11. A small amount secret-free limit control device is characterized by comprising:

the consumption interval determining module is used for determining the times that the single consumption amount of the consumer in the last preset period falls into each consumption amount interval;

the consumption grade determining module is used for determining the secret-free amount of the consumer as a preset maximum value when the consumption grade corresponding to the consumption amount interval with the most times is a preset grade, and ending the control method, otherwise, calculating the consumption amount expectation of the consumer in the last preset period;

the average level and dispersion degree determining module is used for determining the average level and dispersion degree of all single consumption money of the consumer in the last preset period;

an expected consumption charge calculation module for calculating an expected consumption charge of the consumer according to the consumption amount expectation, the average level and the dispersion degree;

the consumption characteristic adjusting value determining module is used for determining a consumption characteristic adjusting value according to the consumption parameters of the preset time interval in the last preset period;

the risk factor determining module is used for determining a risk factor according to the basic information and the risk information of the associated equipment card;

and the secret-free quota calculation module is used for calculating the secret-free quota of the consumer according to the expected consumption cost, the consumption characteristic adjustment value and the risk factor.