CN104408610A - Third-party payment platform business processing method based on risk assessment - Google Patents
Third-party payment platform business processing method based on risk assessment Download PDFInfo
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- CN104408610A CN104408610A CN201410724620.XA CN201410724620A CN104408610A CN 104408610 A CN104408610 A CN 104408610A CN 201410724620 A CN201410724620 A CN 201410724620A CN 104408610 A CN104408610 A CN 104408610A
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- buyer user
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
Abstract
The invention discloses a third-party payment platform business processing method based on risk assessment. The method includes the following steps: configuring corresponding target business data for buyer users of various credit ratings, and configuring risk assessment indicators for the buyer users; calculating the risk assessment indicators; establishing a risk assessment database; receiving target business requests of the buyer users; carrying out qualification examination; carrying out target business operations for the buyer users passing the qualification examination. The method provided by the invention has the advantages that a risk assessment method and a risk assessment model are established for risk assessment of the buyer users, so that the safety of third-party payment platform loan business is improved; moreover, the risk assessment data is updated on a regular basis along with transaction data updates, so that the accuracy of risk assessment results is guaranteed.
Description
Technical field
The present invention relates to information processing method, particularly a kind of Third-party payment platform service disposal route based on risk assessment.
Background technology
E-commerce transaction be unable to do without to be paid by mails, and traditional bank paying mode only possesses the forwarding function of fund, can not retrain both parties and supervise; In addition, means of payment are also more single, and both parties directly can only carry out transferring of fund by the interface of appointed bank, or adopt method of remittance; Transaction also substantially all adopts money to the form of delivery.In whole process of exchange, be cargo mass aspect, sincere aspect of concluding the business, replace and require that aspect etc. link all cannot be ensured reliably; Transaction swindling behavior also time have existence.So Third-party payment platform arises at the historic moment.
Third-party payment makes businessman can't see the credit card information of client, turn avoid credit card information in network repeatedly open transmission and the stolen event of credit card that causes simultaneously.The operational mode that Third-party payment is general is:
1. consumer is in the e-commerce website free choice of goods, and final decision is bought, and both parties conclude the transaction on the net purpose.
2. consumer's Selection utilization Third-party payment platform is as exchange intermediary, with debit card or credit card, third party's account is drawn in payment for goods, and the setting delivery time limit.
3. Third-party payment platform notice businessman, the payment for goods of consumer arrives account, requires that businessman delivers at the appointed time.
4. businessman receives by order delivery after the notice of consumer's received payment, and does respective record on website, consumer can check on website oneself buy the state of commodity; If businessman does not deliver, then Third-party payment platform can notify client's Fail Transaction, and inquiry payment for goods is drawn back its account or is temporarily stored in payment platform.
5. consumer receives goods and confirms satisfied rear notice Third-party payment platform.If consumer is unsatisfied with commodity, or thinks and promise to undertake that there is any discrepancy with businessman, can notify that Third-party payment platform is refused to pay payment for goods and goods is return businessman.
6. consumer satisfaction, Third-party payment platform puts payment for goods under Merchant Account, and transaction completes; Consumer is discontented with goods, after Third-party payment platform confirms that businessman receives the return of goods, consumer account is drawn back in this commodity payment for goods or is temporarily stored in the payment that the medium person to be consumed of third party's account concludes the business next time.
Along with ecommerce is day by day frequent, online transaction amount significantly increases, and the user that buys house often exists turnover of funds problem in a large amount of process of exchanges, causes buyer user to be difficult to expand the scale of production and marketing scale.Loan transaction can address this problem effectively, but bring larger risk can to Third-party payment platform, therefore, how to provide one not only safety but also easily method for processing business become problem demanding prompt solution.
Summary of the invention
In order to solve the problem, the invention provides a kind of Third-party payment platform service disposal route based on risk assessment, safe and convenient, it comprises the following steps:
S1, configure corresponding target service data, for buyer user configures risk assessment index for the buyer user of each credit level;
The historical trading data of S2, acquisition buyer user, according to the transaction data of buyer user regular calculation risk evaluation index value;
S3, judge that whether described risk assessment desired value meets the threshold condition preset, and the assessment result obtained is set up risk evaluation result database;
The target service request of S4, reception buyer user, obtain the essential information of buyer user, described buyer's user basic information comprises buyer's user credit rank;
S5, carry out qualification examination to buyer user, described qualification examination is included in the risk evaluation result of searching this buyer user in described risk evaluation result database, determines whether buyer user passes through qualification examination;
If S6 buyer user is by qualification examination, then performance objective business operation; If buyer user not by qualification examination, then refuses the target service request of buyer user.
Particularly, the target service request of the buyer user in described step S4 comprises loan limit and payment period.
Particularly, performance objective business operation in described step S6 comprises: the target service data matching this buyer user according to the credit level of buyer user, judge whether the target service request of buyer user meets described target service data, if meet, then calculate the target service amount of money and service charge according to described target service data, proceed to the fund of corresponding amount from the fund account of Third-party payment platform to the fund account of described buyer user; If do not meet, then refusal is bought house the target service request of user.
Preferably, described target service is loan transaction, target service data in described step S1 comprise loan limit, payment period, service charge ratio and minimum amount of providing a loan, and described risk assessment index comprises return of goods rate, dealing money, difference comment rate, reimbursement not to return goods number of times and rate of exceeding the time limit.
Preferably, the essential information of described checking buyer user comprises verifies whether buyer user has added financial service and whether this buyer user applied for loan within the time of presetting, if buyer user has added financial service and this buyer user did not apply for loan within the time of presetting, then judge that the result of described checking buyer user basic information is as passing through, otherwise, judge that the result of described checking buyer user basic information is as not passing through.
Particularly, whether the described risk assessment desired value of the judgement in described step S3 meets the threshold condition preset comprises: will calculate the return of goods rate in the risk assessment desired value of gained, dealing money, difference comments rate, reimbursement do not return goods number of times and exceed the time limit rate respectively with the return of goods rate of systemic presupposition, dealing money, difference comments rate, do not return goods number of times and rate threshold value of exceeding the time limit of reimbursement is compared, judge whether the risk assessment desired value of this buyer user meets the threshold condition preset respectively, if all risk assessment desired values all meet the threshold condition preset, then judge that the risk evaluation result of this buyer user is as passing through, otherwise, judge that the risk evaluation result of this buyer user is as not passing through.
Particularly, the described calculating target service amount of money and service charge comprise: match the loan limit of this buyer user, payment period and service charge ratio according to the credit level of buyer user, and calculate service charge according to the loan limit matched, payment period and service charge ratio.
Preferably, step S6 also comprises: the minimum amount of loan matching this buyer user according to the credit level of buyer user, the described target service amount of money that calculates and the minimum amount of described loan are compared, if the described target service amount of money is greater than the minimum amount of described loan, then proceed target service, otherwise stop target service.
Preferably, after described step S6, further comprising the steps of:
Inquire about buyer user whether to refund in predetermined payment period, if not, then calculate according to the service charge ratio of exceeding the time limit preset service charge of exceeding the time limit, and refuse the target service request of described buyer user before buyer user pays off loan.
The present invention has following beneficial effect:
1, provide a kind of Third-party payment platform service disposal route based on risk assessment, comprise configuration risk assessment index, calculation risk evaluation index, set up risk assessment database, receive buyer's ownership goal service request, carry out qualification examination and performance objective business operation.Invention creates methods of risk assessment and model, by carrying out risk assessment to buyer user, add the security of Third-party payment platform loan transaction, and along with the renewal of transaction data, risk assessment data described in regular update, ensure that the accuracy of risk evaluation result.
2, convenient and swift, simple to operate, buyer user is audited online by online application, Third-party payment platform, batch money, automatically refund can obtain loan fund.
3, automatic phasing pass of the present invention data carry out buffer memory, and after essential information changes, synchronized update is data cached, and ensure that computation model efficiently performs, service code reusable, credit information can be safeguarded.
Accompanying drawing explanation
In order to be illustrated more clearly in the embodiment of the present invention or technical scheme of the prior art and advantage, be briefly described to the accompanying drawing used required in embodiment or description of the prior art below, apparently, accompanying drawing in the following describes is only some embodiments of the present invention, for those of ordinary skill in the art, under the prerequisite not paying creative work, other accompanying drawing can also be obtained according to these accompanying drawings.
Fig. 1 is the FB(flow block) of a kind of Third-party payment platform service disposal route based on risk assessment of the embodiment of the present invention.
Embodiment
Below in conjunction with the accompanying drawing in the embodiment of the present invention, be clearly and completely described the technical scheme in the embodiment of the present invention, obviously, described embodiment is only the present invention's part embodiment, instead of whole embodiments.Based on the embodiment in the present invention, the every other embodiment that those of ordinary skill in the art obtain under the prerequisite of not making creative work, all belongs to the scope of protection of the invention.
Embodiment:
Refer to Fig. 1: present embodiments provide a kind of Third-party payment platform service disposal route based on risk assessment, it comprises the following steps:
The invention provides a kind of Third-party payment platform service disposal route based on risk assessment, safe and convenient, it comprises the following steps:
S1, configure corresponding target service data, for buyer user configures risk assessment index for the buyer user of each credit level;
The historical trading data of S2, acquisition buyer user, according to the transaction data of buyer user regular calculation risk evaluation index value;
S3, judge that whether described risk assessment desired value meets the threshold condition preset, and the assessment result obtained is set up risk evaluation result database;
The target service request of S4, reception buyer user, obtain the essential information of buyer user, described buyer's user basic information comprises buyer's user credit rank;
S5, carry out qualification examination to buyer user, described qualification examination is included in the risk evaluation result of searching this buyer user in described risk evaluation result database, determines whether buyer user passes through qualification examination;
If S6 buyer user is by qualification examination, then performance objective business operation; If buyer user not by qualification examination, then refuses the target service request of buyer user.
Particularly, the target service request of the buyer user in described step S4 comprises loan limit and payment period.
Particularly, performance objective business operation in described step S6 comprises: the target service data matching this buyer user according to the credit level of buyer user, judge whether the target service request of buyer user meets described target service data, if meet, then calculate the target service amount of money and service charge according to described target service data, proceed to the fund of corresponding amount from the fund account of Third-party payment platform to the fund account of described buyer user; If do not meet, then refusal is bought house the target service request of user.
Preferably, described target service is loan transaction, target service data in described step S1 comprise loan limit, payment period, service charge ratio and minimum amount of providing a loan, and described risk assessment index comprises return of goods rate, dealing money, difference comment rate, reimbursement not to return goods number of times and rate of exceeding the time limit.
Preferably, the essential information of described checking buyer user comprises verifies whether buyer user has added financial service and whether this buyer user applied for loan within the time of presetting, if buyer user has added financial service and this buyer user did not apply for loan within the time of presetting, then judge that the result of described checking buyer user basic information is as passing through, otherwise, judge that the result of described checking buyer user basic information is as not passing through.
Particularly, whether the described risk assessment desired value of the judgement in described step S3 meets the threshold condition preset comprises: will calculate the return of goods rate in the risk assessment desired value of gained, dealing money, difference comments rate, reimbursement do not return goods number of times and exceed the time limit rate respectively with the return of goods rate of systemic presupposition, dealing money, difference comments rate, do not return goods number of times and rate threshold value of exceeding the time limit of reimbursement is compared, judge whether the risk assessment desired value of this buyer user meets the threshold condition preset respectively, if all risk assessment desired values all meet the threshold condition preset, then judge that the risk evaluation result of this buyer user is as passing through, otherwise, judge that the risk evaluation result of this buyer user is as not passing through.
Particularly, the described calculating target service amount of money and service charge comprise: match the loan limit of this buyer user, payment period and service charge ratio according to the credit level of buyer user, and calculate service charge according to the loan limit matched, payment period and service charge ratio.
Preferably, step S6 also comprises: the minimum amount of loan matching this buyer user according to the credit level of buyer user, the described target service amount of money that calculates and the minimum amount of described loan are compared, if the described target service amount of money is greater than the minimum amount of described loan, then proceed target service, otherwise stop target service.
Preferably, after described step S6, further comprising the steps of:
Inquire about buyer user whether to refund in predetermined payment period, if not, then calculate according to the service charge ratio of exceeding the time limit preset service charge of exceeding the time limit, and refuse the target service request of described buyer user before buyer user pays off loan.
The present invention has following beneficial effect:
1, provide a kind of Third-party payment platform service disposal route based on risk assessment, comprise configuration risk assessment index, calculation risk evaluation index, set up risk assessment database, receive buyer's ownership goal service request, carry out qualification examination and performance objective business operation.Invention creates methods of risk assessment and model, by carrying out risk assessment to buyer user, add the security of Third-party payment platform loan transaction, and along with the renewal of transaction data, risk assessment data described in regular update, ensure that the accuracy of risk evaluation result.
2, convenient and swift, simple to operate, buyer user is audited online by online application, Third-party payment platform, batch money, automatically refund can obtain loan fund.
3, automatic phasing pass of the present invention data carry out buffer memory, and after essential information changes, synchronized update is data cached, and ensure that computation model efficiently performs, service code reusable, credit information can be safeguarded.
The above is the preferred embodiment of the present invention; it should be pointed out that for those skilled in the art, under the premise without departing from the principles of the invention; can also make some improvements and modifications, these improvements and modifications are also considered as protection scope of the present invention.
Claims (9)
1., based on a Third-party payment platform service disposal route for risk assessment, it is characterized in that, comprise the following steps:
S1, configure corresponding target service data, for buyer user configures risk assessment index for the buyer user of each credit level;
The historical trading data of S2, acquisition buyer user, according to the transaction data of buyer user regular calculation risk evaluation index value;
S3, judge that whether described risk assessment desired value meets the threshold condition preset, and the assessment result obtained is set up risk evaluation result database;
The target service request of S4, reception buyer user, obtain the essential information of buyer user, described buyer's user basic information comprises buyer's user credit rank;
S5, carry out qualification examination to buyer user, described qualification examination is included in the risk evaluation result of searching this buyer user in described risk evaluation result database, determines whether buyer user passes through qualification examination;
If S6 buyer user is by qualification examination, then performance objective business operation; If buyer user not by qualification examination, then refuses the target service request of buyer user.
2. the method for claim 1, is characterized in that, the target service request of the buyer user in described step S4 comprises loan limit and payment period.
3. method as claimed in claim 1 or 2, it is characterized in that, performance objective business operation in described step S6 comprises: the target service data matching this buyer user according to the credit level of buyer user, judge whether the target service request of buyer user meets described target service data, if meet, then calculate the target service amount of money and service charge according to described target service data, proceed to the fund of corresponding amount from the fund account of Third-party payment platform to the fund account of described buyer user; If do not meet, then refusal is bought house the target service request of user.
4. the method for claim 1, it is characterized in that, described target service is loan transaction, target service data in described step S1 comprise loan limit, payment period, service charge ratio and minimum amount of providing a loan, and described risk assessment index comprises return of goods rate, dealing money, difference comment rate, reimbursement not to return goods number of times and rate of exceeding the time limit.
5. the method as described in claim 1 or 2 or 4, it is characterized in that, the essential information of described checking buyer user comprises verifies whether buyer user has added financial service and whether this buyer user applied for loan within the time of presetting, if buyer user has added financial service and this buyer user did not apply for loan within the time of presetting, then judge that the result of described checking buyer user basic information is as passing through, otherwise, judge that the result of described checking buyer user basic information is as not passing through.
6. the method as described in claim 1 or 2 or 4, it is characterized in that, whether the described risk assessment desired value of the judgement in described step S3 meets the threshold condition preset comprises: will calculate the return of goods rate in the risk assessment desired value of gained, dealing money, difference comments rate, reimbursement do not return goods number of times and exceed the time limit rate respectively with the return of goods rate of systemic presupposition, dealing money, difference comments rate, do not return goods number of times and rate threshold value of exceeding the time limit of reimbursement is compared, judge whether the risk assessment desired value of this buyer user meets the threshold condition preset respectively, if all risk assessment desired values all meet the threshold condition preset, then judge that the risk evaluation result of this buyer user is as passing through, otherwise, judge that the risk evaluation result of this buyer user is as not passing through.
7. method as claimed in claim 3, it is characterized in that, the described calculating target service amount of money and service charge comprise: match the loan limit of this buyer user, payment period and service charge ratio according to the credit level of buyer user, and calculate service charge according to the loan limit matched, payment period and service charge ratio.
8. method as claimed in claim 5, it is characterized in that, step S6 also comprises: the minimum amount of loan matching this buyer user according to the credit level of buyer user, the described target service amount of money that calculates and the minimum amount of described loan are compared, if the described target service amount of money is greater than the minimum amount of described loan, then proceed target service, otherwise stop target service.
9. the method as described in claim 1,2,4,7 or 8, is characterized in that, after described step S6, further comprising the steps of:
Inquire about buyer user whether to refund in predetermined payment period, if not, then calculate according to the service charge ratio of exceeding the time limit preset service charge of exceeding the time limit, and refuse the target service request of described buyer user before buyer user pays off loan.
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CN105139200A (en) * | 2015-07-31 | 2015-12-09 | 腾讯科技(深圳)有限公司 | Electronic resource processing method and device and server |
CN105184645A (en) * | 2015-07-24 | 2015-12-23 | 上海佰晟通信息科技有限公司 | Real-time microcredit system |
CN107103460A (en) * | 2017-03-27 | 2017-08-29 | 杭州呯嘭智能技术有限公司 | The quick settlement method of cross-border payment based on credit big data |
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