CN103236005A - Detection, evaluation and prevention method for e-commerce risky payments - Google Patents
Detection, evaluation and prevention method for e-commerce risky payments Download PDFInfo
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- CN103236005A CN103236005A CN 201310108572 CN201310108572A CN103236005A CN 103236005 A CN103236005 A CN 103236005A CN 201310108572 CN201310108572 CN 201310108572 CN 201310108572 A CN201310108572 A CN 201310108572A CN 103236005 A CN103236005 A CN 103236005A
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Abstract
The invention discloses a detection, evaluation and prevention method for e-commerce risky payments. The method includes the steps of A, storing basic information of a customer to a database and setting preventing rules in one-to-one correspondence; B, acquiring payment information of a payer customer and acquiring online IP (internet protocol) address of the payer customer; C, searching the customer basic information of the payer customer in the database according to payment information; D, analyzing the payment information, the online IP address and the customer basic information, and judging whether the corresponding preventing rules exist or not; if yes, executing the preventing rules; and if not, allowing payment operations. According to the method, payments meeting the preventing rules are prevented and subjected to manual review by using computer programs to monitor the information of payer customers in real time and timely making risk assessment, so that the e-commerce payments are less risky.
Description
Technical field
The present invention relates to e-commerce transaction risk control technology, the detection assessment prevention method of a kind of ecommerce risk payment in particular.
Background technology
Along with the development of internet economy, ecommerce plays an increasingly important role in market economy.Numerous businessmans are when carrying out electronic commerce affair, especially the transaction of being undertaken by network, because more understanding can't be arranged client's credit position, can't judge whether the other side exists fraud, therefore whether trade company hesitates about what move to make through between the risk of be everlasting tempting profit and ignorant, can't determine and client's continuous business.
Therefore, there is defective in prior art, needs to improve.
Summary of the invention
Technical matters to be solved by this invention is: provide a kind of and can monitor the payment customer information in real time by computer software, and in time make risk assessment, stop meeting each payment that stops rule, and transferring manual examination and verification to, the prevention method is assessed in the detection of the ecommerce risk payment of the payment risk of minimizing ecommerce.
Technical scheme of the present invention is as follows: a kind of detection assessment prevention method of ecommerce risk payment comprise the steps: A, storage client essential information to database, and setting stops rule one to one respectively; B, obtain payment client's payment information, and obtain described payment client's online IP address; C, according to described payment information, search the client essential information of described payment client in described database; D, analyzing described payment information, described online IP address and described client's essential information, judge whether to have corresponding prevention rule, is that then to carry out described preventions regular, otherwise by delivery operation.
Be applied to technique scheme, in the described detection assessment prevention method, after steps A, go back execution in step A1: the described prevention rule of the described client's essential information of real-time update and its correspondence.
Be applied to each technique scheme, in the described detection assessment prevention method, among the step D, carry out described prevention rule after, described payment information is sent to the artificial treatment database.
Be applied to each technique scheme, in the described detection assessment prevention method, after step D, also execution in step D1 marks for described payment client, and is saved to described database as client's essential information.
Be applied to each technique scheme, in the described detection assessment prevention method, in the steps A, described client's essential information be set be client's nationality, address, phone, bank paying card number and credit record.
Be applied to each technique scheme, in the described detection assessment prevention method, among the step B, the concrete execution: obtain the payment phone of paying the client, the payment information of paying domain name, ship-to, billing address, draw bank account number, draw bank phone, and obtain country, city and the postcode at described payment client's place, online IP address.
Adopt such scheme, the present invention is by importing a large amount of client's essential informations in advance to database, and carry out the various prevention rules of transaction risk that may exist at each client who imports and set, when e-commerce transaction, payment information by obtaining the client and the online IP address of its delivery operation can detail analysis go out the risk that this payment transaction exists, when meeting default prevention rule, delivery operation is stoped operation, shield various risk trades.
Description of drawings
Fig. 1 is schematic flow sheet of the present invention.
Embodiment
Below in conjunction with the drawings and specific embodiments, the present invention is described in detail.
Present embodiment provides a kind of detection assessment prevention method of ecommerce risk payment, described detection assessment prevention method can be monitored the payment customer information in real time by computer software, and in time make risk assessment, stop meeting each payment that stops rule, and transfer manual examination and verification to, reduce the payment risk of ecommerce.
As shown in Figure 1, at first carry out first step A, namely store client's essential information to database, and it is regular to set prevention one to one respectively, wherein, client's essential information of storage can be by importing client's transaction record in the past, modes such as credit card record are stored, for example, described client's essential information can comprise client's title, nationality, inhabitation address, phone, its bank paying card number of holding, credit card service recorder etc. in the past, in when storage, client's essential information of each client of storage that can be as much as possible.
Carry out the second step B then, namely when ecommerce is concluded the business, when the payment client pays operation, can obtain the payment information of its input, and, the online IP address at described payment client place when the payment obtained simultaneously by the network settings function.
For example, when ecommerce is concluded the business, can be by obtaining the payment information of the concrete payment phone of payment client, payment domain name, ship-to, billing address, draw bank account number, draw bank phone etc., and country, city and the postcode etc. that can specifically obtain described payment client's place, online IP address, i.e. its corresponding specific address in online IP address.
After obtaining payment information and online IP address, execution in step C, namely contrast described payment information, find out in the database, the corresponding client's essential information of payment information, again by the 4th step D, respectively to described payment information, described online IP address and described client's essential information are analyzed, analyze the consistance of three kinds of information, namely analyze the prevention rule whether this transaction exists setting, thereby and judge whether to stop this transaction, for example, stop rule to comprise that there are bigger difference in the online IP address of pay client and client's essential information that it recorded in the past, as in client's essential information of online IP address and record repeatedly transaction address was not in same country in the past, then the execution prevention is regular, or the payment client is present in the transaction blacklist and then carries out and stop rule etc.
So, judging the prevention rule that does not have correspondence, show that then transaction risk is lower, then by this delivery operation, perhaps, the prevention rule judging that existence is corresponding shows that then this transaction risk is higher, and it is regular to carry out described prevention.
So, when a certain client not being set the prevention rule, both do not exist risk to stop payment transaction to carry out to this client.When the prevention rule of setting is that this rule just is suitable for all payment clients' delivery operation when paying clients at all; When at a certain particular customer or payment channel definition prevention rule, client or payment channel are only at this ad hoc rules, and general rule is just inapplicable to client or payment channel; Be that rule with contact staff definition is benchmark in the client's essential information that has defined regular client or payment channel place, when analyzing, as it is not enough or unmatchedly will be regarded as excessive risk and stop to fall information to occur.
So, can be by contrast payment client when the payment, in conjunction with the online IP address at its place, with and in the past client's essential information and its payment information, carry out the detail analysis contrast, and assess out delivery operation and whether have transaction risk, can mask a part of high risk transaction.
Perhaps, after steps A, also the described prevention rule of the described client's essential information of real-time update and its correspondence so, can be guaranteed promptness and the accuracy of analytical information, and transaction risk is little.
Or, after carrying out described prevention rule, also described payment information is sent to the artificial treatment database, by manually handling, so, can guarantee the accuracy of examining by manually audit again, and, can also proceed delivery operation by after the artificial elimination risk project.
Again or, when analyzing described payment information, described online IP address and described client's essential information, also mark to the described payment client of this transaction simultaneously, and it is saved to described database as client's essential information, so, can be when concluding the business next time as a reference, and as the basis of analyzing, make assessment more comprehensive.
Be preferred embodiment of the present invention only below, be not limited to the present invention, all any modifications of doing within the spirit and principles in the present invention, be equal to and replace and improvement etc., all should be included within protection scope of the present invention.
Claims (6)
1. the detection assessment prevention method of an ecommerce risk payment is characterized in that, comprises the steps:
A, storage client essential information are to database, and it is regular to set prevention one to one respectively;
B, obtain the payment information of payment client delivery operation, and obtain described payment client's online IP address;
C, according to described payment information, search the client essential information of described payment client in described database;
D, analyzing described payment information, described online IP address and described client's essential information, judge whether to have corresponding prevention rule, is that then to carry out described preventions regular, otherwise by delivery operation.
2. detection assessment prevention method according to claim 1 is characterized in that, after steps A, goes back execution in step A1: the described prevention rule of the described client's essential information of real-time update and its correspondence.
3. detection according to claim 1 assessment prevention method is characterized in that, among the step D, carry out described prevention rule after, described payment information is sent to the artificial treatment database.
4. detection assessment prevention method according to claim 1 is characterized in that, after step D, also execution in step D1 marks for described payment client, and is saved to described database as client's essential information.
5. detection assessment prevention method according to claim 1 is characterized in that, in the steps A, described client's essential information is set is client's nationality, address, phone, bank paying card number and credit record.
6. the prevention method is assessed in detection according to claim 5, it is characterized in that, among the step B, the concrete execution: obtain the payment phone of paying the client, the payment information of paying domain name, ship-to, billing address, draw bank account number, draw bank phone, and obtain country, city and the postcode at described payment client's place, online IP address.
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| CN 201310108572 CN103236005A (en) | 2013-03-29 | 2013-03-29 | Detection, evaluation and prevention method for e-commerce risky payments |
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Cited By (13)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN105528383A (en) * | 2014-10-27 | 2016-04-27 | 阿里巴巴集团控股有限公司 | Method and device for indentifying risks of accounts |
| WO2017025062A1 (en) * | 2015-08-12 | 2017-02-16 | 戴见霖 | Paperless payment system and method thereof |
| CN107016473A (en) * | 2016-01-27 | 2017-08-04 | 阿里巴巴集团控股有限公司 | A kind of risk control method and equipment |
| CN107341666A (en) * | 2017-07-26 | 2017-11-10 | 太仓华淏信息科技有限公司 | A kind of risk management method of e-commerce transaction behavior |
| CN108154368A (en) * | 2017-12-26 | 2018-06-12 | 阿里巴巴集团控股有限公司 | A kind of detection method, device and the equipment of resource risk |
| CN108537671A (en) * | 2018-04-27 | 2018-09-14 | 广州品唯软件有限公司 | A kind of transaction risk appraisal procedure and system |
| CN109711843A (en) * | 2018-12-29 | 2019-05-03 | 创发科技有限责任公司 | Payment process monitoring method and system |
| CN109711846A (en) * | 2018-11-26 | 2019-05-03 | 平安科技（深圳）有限公司 | Payment request processing method, device, computer equipment and storage medium |
| CN110322028A (en) * | 2018-03-29 | 2019-10-11 | 北京红马传媒文化发展有限公司 | Method for managing resource, device and electronic equipment |
| CN110930102A (en) * | 2018-09-19 | 2020-03-27 | 优信拍（北京）信息科技有限公司 | Payment method, device and system |
| CN113206835A (en) * | 2021-04-07 | 2021-08-03 | 深圳市奇虎智能科技有限公司 | Method, system, storage medium and computer equipment for intercepting payment behavior of networking equipment by router |
| WO2023108605A1 (en) * | 2021-12-17 | 2023-06-22 | Paypal, Inc. | Real-time electronic service processing adjustments |
| CN116720864A (en) * | 2023-06-26 | 2023-09-08 | 北京智思迪科技有限公司 | Online transaction system and method with false transaction monitoring function |
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- 2013-03-29 CN CN 201310108572 patent/CN103236005A/en active Pending
Cited By (18)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN105528383B (en) * | 2014-10-27 | 2019-06-18 | 阿里巴巴集团控股有限公司 | The recognition methods of account risk and device |
| CN105528383A (en) * | 2014-10-27 | 2016-04-27 | 阿里巴巴集团控股有限公司 | Method and device for indentifying risks of accounts |
| WO2017025062A1 (en) * | 2015-08-12 | 2017-02-16 | 戴见霖 | Paperless payment system and method thereof |
| US10977648B2 (en) | 2016-01-27 | 2021-04-13 | Alibaba Group Holding Limited | Transaction confirmation based on user attributes |
| CN107016473A (en) * | 2016-01-27 | 2017-08-04 | 阿里巴巴集团控股有限公司 | A kind of risk control method and equipment |
| US10789592B2 (en) | 2016-01-27 | 2020-09-29 | Alibaba Group Holding Limited | Transaction confirmation based on user attributes |
| CN107341666A (en) * | 2017-07-26 | 2017-11-10 | 太仓华淏信息科技有限公司 | A kind of risk management method of e-commerce transaction behavior |
| CN108154368A (en) * | 2017-12-26 | 2018-06-12 | 阿里巴巴集团控股有限公司 | A kind of detection method, device and the equipment of resource risk |
| CN110322028A (en) * | 2018-03-29 | 2019-10-11 | 北京红马传媒文化发展有限公司 | Method for managing resource, device and electronic equipment |
| CN108537671A (en) * | 2018-04-27 | 2018-09-14 | 广州品唯软件有限公司 | A kind of transaction risk appraisal procedure and system |
| CN110930102B (en) * | 2018-09-19 | 2023-05-23 | 优信拍（北京）信息科技有限公司 | Payment method, device and system |
| CN110930102A (en) * | 2018-09-19 | 2020-03-27 | 优信拍（北京）信息科技有限公司 | Payment method, device and system |
| CN109711846A (en) * | 2018-11-26 | 2019-05-03 | 平安科技（深圳）有限公司 | Payment request processing method, device, computer equipment and storage medium |
| CN109711843A (en) * | 2018-12-29 | 2019-05-03 | 创发科技有限责任公司 | Payment process monitoring method and system |
| CN113206835A (en) * | 2021-04-07 | 2021-08-03 | 深圳市奇虎智能科技有限公司 | Method, system, storage medium and computer equipment for intercepting payment behavior of networking equipment by router |
| CN113206835B (en) * | 2021-04-07 | 2022-08-12 | 深圳市奇虎智能科技有限公司 | Method, system, storage medium and computer equipment for intercepting payment behavior of networking equipment by router |
| WO2023108605A1 (en) * | 2021-12-17 | 2023-06-22 | Paypal, Inc. | Real-time electronic service processing adjustments |
| CN116720864A (en) * | 2023-06-26 | 2023-09-08 | 北京智思迪科技有限公司 | Online transaction system and method with false transaction monitoring function |
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Application publication date: 20130807 |