CN104794616A - Safety verification method for mobile phone payment - Google Patents
Safety verification method for mobile phone payment Download PDFInfo
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- CN104794616A CN104794616A CN201510237561.8A CN201510237561A CN104794616A CN 104794616 A CN104794616 A CN 104794616A CN 201510237561 A CN201510237561 A CN 201510237561A CN 104794616 A CN104794616 A CN 104794616A
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- mobile phone
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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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
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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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3221—Access to banking information through M-devices
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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
- G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
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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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3223—Realising banking transactions through M-devices
Abstract
The embodiments of the invention disclose a safety verification method for mobile phone payment. The safety verification method is used for solving the problems that mobile phone payment is single in risk control means and mobile payment is high in risk. The method disclosed by the embodiments of the invention comprises the steps: acquiring a mobile phone payment request, wherein the mobile phone payment request comprises bank card information and mobile phone information; acquiring historical position information on a bank card from a bank server according to the bank card information; acquiring position information on a mobile phone from a background server according to the mobile phone information; comparing the historical position information on the bank card and the position information on the mobile phone, so as to obtain a comparison result; acquiring mobile phone user data from the background server according to the mobile phone information; analyzing the mobile phone user data according to the preset evaluation criteria, so as to obtain an analysis result; judging whether the comparison result and the analysis result meet preset risk control conditions or not, performing the mobile phone payment request if the comparison result and the analysis result meet the preset risk control conditions, and rejecting the mobile phone payment request if the comparison result and the analysis result do not meet the preset risk control conditions.
Description
Technical field
The present invention relates to mobile payment field, particularly relate to a kind of mobile-phone payment safe verification method.
Background technology
Internet payment market competition is aggravated, mobile payment growth trend is swift and violent. shows according to Ai Rui data, 2013, China's Third-party payment transaction size is 17.2 trillion yuan Renminbi, increase by 38.7% on a year-on-year basis, along with the industry situation of Third-party payment is progressively stablized, under existing general layout, the whole industry will enter steady growth period, estimate that next three years all can keep the speedup of about 35%.Within 2013, China Mobile pays the market access explosive growth stage, and overall transaction size breaks through 13,010 hundred million yuan, and chain rate 2012 annual growth is up to 800.3%.During from the third quarter in 2013 to the first quarter in 2014, the turnover sequential growth rate of mobile payment is all more than 100%.
While mobile payment eruptive growth, risk position is more severe.Respondent's encountered of 10% crosses online transaction swindle, improves 4 percentage points than 2013; Wherein fishing website, trojan horse and false reimbursement are still main fraudulent mean.
At present, domestic mobile Internet payment risk control device is more single, mainly through verifying that bank reserves cell-phone number and short message verification code controls to realize payment risk.But under the means that swindle molecule emerges in an endless stream, bank reserves cell-phone number and short message verification code all has the risk being tampered and stealing.Buy raw data, the number of changing software as by black market to pretend to be user to dial bank's customer service to carry out the modes such as reserved cell-phone number amendment and can distort bank and reserve cell-phone number; By transmission fishing note, the modes such as fishing website, induction installation Trojan software, sim card copy are utilized to steal short message verification code.
Therefore, how to eliminate mobile-phone payment risk control means single, reduce mobile payment risk and become the problem that those skilled in the art need solution badly.
Summary of the invention
Embodiments provide a kind of mobile-phone payment safe verification method, the problem that mobile-phone payment risk control means are single, mobile payment risk is high can be solved.
A kind of mobile-phone payment safe verification method that the embodiment of the present invention provides, comprising:
Obtain mobile-phone payment request, described mobile-phone payment request comprises bank card information and cellphone information;
Bank card historical position information is obtained to bank server according to described bank card information;
Mobile phone position information is obtained to background server according to described cellphone information;
Contrast described bank card historical position information and described mobile phone position information, obtain comparing result;
Cellphone subscriber's data are obtained to background server according to described cellphone information;
Evaluation criteria according to presetting analyzes described cellphone subscriber's data, obtains analysis result;
Judge whether described comparing result and described analysis result meet the risk control condition preset, and if so, then perform described mobile-phone payment request, if not, then refuse described mobile-phone payment request.
Alternatively, judge whether described comparing result and described analysis result meet the risk control condition preset and specifically comprise:
Judge whether described comparing result meets the first wind control condition preset, and judge whether described analysis result meets the second wind control condition preset.
Alternatively, describedly obtain bank card historical position information according to described bank card information to bank server and be specially:
Bank card historical trading position is obtained to bank server according to described bank card information;
Described according to described cellphone information to background server obtain mobile phone position information be specially:
Mobile phone historical position is obtained to background server according to described cellphone information;
Described contrast described bank card historical position information and described mobile phone position information, obtain comparing result and be specially:
Contrast described bank card historical trading position and described mobile phone historical position, obtain the first comparing result;
Judge whether described comparing result meets the first wind control condition preset and specifically comprise:
If described first comparing result is described bank card historical trading position fall into described mobile phone historical position completely, then judged result is yes;
If described first comparing result is described bank card historical trading position not exclusively fall into described mobile phone historical position, then judged result is no.
Alternatively, if described first comparing result is described bank card historical trading position not exclusively fall into described mobile phone historical position, then judged result is noly specifically to comprise:
If described first comparing result is described bank card historical trading position, part falls into described mobile phone historical position, then calculate described bank card historical trading position and fall into ratio shared by described mobile phone historical position part, obtain first and fall into ratio;
Judge that described first falls into ratio and whether exceed default proportion threshold value, if so, then described judged result is yes, and if not, then described judged result is no;
If described first comparing result is described bank card historical trading position do not fall into described mobile phone historical position completely, then described judged result is no.
Alternatively, the evaluation criteria that described basis is preset analyzes described cellphone subscriber's data, obtains analysis result and specifically comprises:
Evaluation criteria according to presetting is marked to described cellphone subscriber's data, obtains the first appraisal result;
The second appraisal result is obtained according to described first appraisal result and default one-level weight.
Alternatively, judge whether described comparing result and described analysis result meet the risk control condition preset and specifically comprise:
Point standard of estimating according to presetting is marked to described comparing result, obtains contrasting appraisal result;
The one or three grade of result is obtained according to described contrast appraisal result and the one or three grade of default weight;
The two or three grade of result is obtained according to described second appraisal result and the two or three grade of default weight;
Judge whether described one or three grade of result and the two or three grade of result sum exceed default secondary scoring threshold value.
Alternatively, described cellphone subscriber's data comprise: history pay charge way, the channel that networks, frequency of changing planes, user member's rank, mobile phone are opened an account time, group customer identity information, family planning identity information, mobile phone terminal brand, payment mode and historic user credit rating;
The evaluation criteria that described basis is preset is marked to described cellphone subscriber's data, obtains the first appraisal result and specifically comprises:
Payment standards of grading according to presetting are marked to described history pay charge way, obtain the first payment appraisal result;
Networking standards of grading according to presetting are marked to described networking channel, obtain the first networking appraisal result;
Standards of grading of changing planes according to presetting are marked to described frequency of changing planes, and obtain first and to change planes appraisal result;
Member's standards of grading according to presetting are marked to described user member's rank, obtain first member's appraisal result;
Standards of grading of opening an account according to presetting were marked to the described mobile phone time of opening an account, and obtained first and to open an account appraisal result;
Group's standards of grading according to presetting are marked to described group customer identity information, obtain first group's appraisal result;
Family's standards of grading according to presetting are marked to described family planning identity information, obtain First Family's appraisal result;
Terminal standards of grading according to presetting are marked to described mobile phone terminal brand, obtain first terminal appraisal result;
Pattern standards of grading according to presetting are marked to described payment mode, obtain first mode appraisal result;
Credit scoring standard according to presetting is marked to described historic user credit rating, obtains the first credit scoring result.
Alternatively, describedly obtain the second appraisal result specifically comprise according to described first appraisal result and the one-level weight preset:
The second payment appraisal result is obtained according to described first payment appraisal result and the first default weight;
The second networking appraisal result is obtained according to described first networking appraisal result and the second default weight;
Obtain second to change planes appraisal result according to the described first change planes appraisal result and the 3rd weight of presetting;
Second member's appraisal result is obtained according to described first member's appraisal result and the 4th default weight;
Obtain second to open an account appraisal result according to the described first open an account appraisal result and the 5th weight of presetting;
Second group's appraisal result is obtained according to described first group appraisal result and the 6th default weight;
Second family's appraisal result is obtained according to described First Family's appraisal result and the 7th default weight;
The second terminal appraisal result is obtained according to described first terminal appraisal result and the 8th default weight;
The second pattern appraisal result is obtained according to described first mode appraisal result and the 9th default weight;
The second credit scoring result is obtained according to described first credit scoring result and the tenth default weight;
Described second appraisal result is obtained according to described second payment appraisal result, the second networking appraisal result, second open an account appraisal result, second group's appraisal result, second family's appraisal result, the second terminal appraisal result, the second pattern appraisal result and the second credit scoring result of appraisal result, second member's appraisal result, second of changing planes.
Alternatively, described method also comprises:
Obtain bank card according to described bank card information to bank server to open an account identification card number;
Obtain mobile phone according to described cellphone information to background server to open an account identification card number;
Judge that whether described bank card identification card number and described mobile phone identification card number of opening an account of opening an account is identical, if so, then obtain the 3rd appraisal result according to the ID card verification standards of grading preset, if not, then refuse described mobile-phone payment request.
Alternatively, judge whether described comparing result and described analysis result meet the risk control condition preset and specifically also comprise:
The three or three grade of result is obtained according to described 3rd appraisal result and the three or three grade of default weight;
Judge whether described one or three grade of result and the two or three grade of result sum exceed default scoring threshold value and be specially:
Judge whether described one or three grade of result, the two or three grade of result and the three or three grade of result sum exceed three grades of default scoring threshold values.
As can be seen from the above technical solutions, the embodiment of the present invention has the following advantages:
In the embodiment of the present invention, first, obtain mobile-phone payment request, described mobile-phone payment request comprises bank card information and cellphone information; Bank card historical position information is obtained to bank server according to described bank card information; Mobile phone position information is obtained to background server according to described cellphone information; Then, contrast described bank card historical position information and described mobile phone position information, obtain comparing result; Cellphone subscriber's data are obtained to background server according to described cellphone information; Then, the evaluation criteria according to presetting analyzes described cellphone subscriber's data, obtains analysis result; Finally, judge whether described comparing result and described analysis result meet the risk control condition preset, and if so, then perform described mobile-phone payment request, if not, then refuse described mobile-phone payment request.In embodiments of the present invention, by contrast bank card historical position information and mobile phone position information, and judge by carrying out analysis to the cellphone subscriber's data got, judge whether comparing result and analysis result meet default risk control condition to carry out the risk control of mobile-phone payment, thus eliminate the single problem of current mobile-phone payment risk control means, reduce mobile payment risk.
Accompanying drawing explanation
Fig. 1 is a kind of mobile-phone payment safe verification method first embodiment process flow diagram in the embodiment of the present invention;
Fig. 2 is a kind of mobile-phone payment safe verification method second embodiment process flow diagram in the embodiment of the present invention;
Fig. 3 is a kind of mobile-phone payment safe verification method the 3rd embodiment process flow diagram in the embodiment of the present invention.
Embodiment
Embodiments provide a kind of mobile-phone payment safe verification method, for solving the problem that mobile-phone payment risk control means are single, mobile payment risk is high.
For making goal of the invention of the present invention, feature, advantage can be more obvious and understandable, below in conjunction with the accompanying drawing in the embodiment of the present invention, technical scheme in the embodiment of the present invention is clearly and completely described, obviously, the embodiments described below are only the present invention's part embodiments, and the embodiment of not all.Based on the embodiment in the present invention, those of ordinary skill in the art, not making other embodiments all obtained under creative work prerequisite, belong to the scope of protection of the invention.
Refer to Fig. 1, in the embodiment of the present invention, a kind of mobile-phone payment safe verification method first embodiment comprises:
101, mobile-phone payment request is obtained;
First, can obtain mobile-phone payment request, this mobile-phone payment request comprises bank card information and cellphone information.
102, bank card historical position information is obtained according to this bank card information to bank server;
After the request of acquisition mobile-phone payment, bank card historical position information can be obtained according to this bank card information to bank server.
103, mobile phone position information is obtained according to this cellphone information to background server;
After the request of acquisition mobile-phone payment, mobile phone position information can be obtained according to this cellphone information to background server.
104, contrast this bank card historical position information and this mobile phone position information, obtain comparing result;
After getting this bank card historical position information and this mobile phone position information, this bank card historical position information and this mobile phone position information can be contrasted, obtain comparing result.
105, cellphone subscriber's data are obtained according to this cellphone information to background server;
After the request of acquisition mobile-phone payment, cellphone subscriber's data can be obtained according to this cellphone information to background server.
106, analyze this cellphone subscriber's data according to the evaluation criteria preset, obtain analysis result;
According to this cellphone information to after background server obtains cellphone subscriber data, this cellphone subscriber's data can be analyzed according to the evaluation criteria preset, obtain analysis result.
107, judge whether this comparing result and this analysis result meet the risk control condition preset, and if so, then perform step 108, if not, then perform step 109;
After obtaining comparing result and analysis result, can judge whether this comparing result and this analysis result meet the risk control condition preset, and if so, then perform step 108, if not, then perform step 109.
108, this mobile-phone payment request is performed;
When judgement learns that this comparing result and this analysis result meet default risk control condition, then perform this mobile-phone payment request.
109, this mobile-phone payment request is refused.
When judging to learn that this comparing result and this analysis result do not meet the risk control condition preset, then refuse this mobile-phone payment request.
In the present embodiment, first, obtain mobile-phone payment request, this mobile-phone payment request comprises bank card information and cellphone information; Bank card historical position information is obtained to bank server according to this bank card information; Mobile phone position information is obtained to background server according to this cellphone information; Then, contrast this bank card historical position information and this mobile phone position information, obtain comparing result; Cellphone subscriber's data are obtained to background server according to this cellphone information; Then, the evaluation criteria according to presetting analyzes this cellphone subscriber's data, obtains analysis result; Finally, judge whether this comparing result and this analysis result meet the risk control condition preset, and if so, then perform this mobile-phone payment request, if not, then refuse this mobile-phone payment request.In the present embodiment, by contrast bank card historical position information and mobile phone position information, and judge by carrying out analysis to the cellphone subscriber's data got, judge whether comparing result and analysis result meet default risk control condition to carry out the risk control of mobile-phone payment, thus eliminate the single problem of current mobile-phone payment risk control means, reduce mobile payment risk.
For ease of understanding, be described in detail a kind of mobile-phone payment safe verification method in the embodiment of the present invention below, refer to Fig. 2, in the embodiment of the present invention, a kind of mobile-phone payment safe verification method second embodiment comprises:
201, mobile-phone payment request is obtained;
First, can obtain mobile-phone payment request, this mobile-phone payment request comprises bank card information and cellphone information.Be understandable that, this bank card information can comprise bank card number, user name, affiliated bank, and this cellphone information can comprise cell-phone number, operator.
202, bank card historical trading position is obtained according to this bank card information to bank server;
After the request of acquisition mobile-phone payment, bank card historical trading position can be obtained according to this bank card information to bank server.Be understandable that, this bank card historical trading position refers to the record in this bank card once used place or area, such as this bank card once in Guangzhou, Shenzhen, Huizhou is previously used, then this bank card historical trading position comprises Guangzhou, Shenzhen and Huizhou.Here say, this bank card is previously used and refers to that this bank card is at ATM (Automatic Teller Machine) transacting business, solid shop/brick and mortar store bankcard consumption or bank counter transacting business etc.
203, mobile phone historical position is obtained according to this cellphone information to background server;
After the request of acquisition mobile-phone payment, mobile phone historical position can be obtained according to this cellphone information to background server.Be understandable that, when mobile phone has the place of signal to use at any one, background server will record the used position of this mobile phone, namely mobile phone historical position.
204, contrast this bank card historical trading position and this mobile phone historical position, obtain the first comparing result;
After getting this bank card historical trading position and this mobile phone historical position, this bank card historical trading position and this mobile phone historical position can be contrasted, obtain the first comparing result.Be understandable that, this first comparing result can comprise and falls into relation between this bank card historical trading position and this mobile phone historical position.In general, mobile phone historical position should be more than bank card historical trading position, because when user uses bank card to conclude the business, mobile phone is generally with at one's side, and when using mobile phone, but not necessarily need to carry bank card at one's side.Therefore, it falls into relation and generally comprises that this bank card historical trading position falls into this mobile phone historical position completely, this bank card historical trading position part falls into this mobile phone historical position, this bank card historical trading position does not fall into this mobile phone historical position three kinds completely.
205, judge whether this first comparing result is that this bank card historical trading position falls into this mobile phone historical position completely, if so, then perform step 211, if not, then perform step 206;
After obtaining the first comparing result, can judge whether this first comparing result is that this bank card historical trading position falls into this mobile phone historical position completely, if so, then perform step 211, if not, then perform step 206.Be understandable that, when this bank card historical trading position falls into this mobile phone historical position completely, represent that this bank card is only concluded the business in the scope of activities of mobile phone, confidence level is very high, therefore can perform step 211.
206, judge whether this first comparing result is that this bank card historical trading position part falls into this mobile phone historical position, if so, then perform step 207, if not, then perform step 213;
After judging that this first comparing result not falls into this mobile phone historical position completely as this bank card historical trading position, can judge whether this first comparing result is that this bank card historical trading position part falls into this mobile phone historical position further, if, then perform step 207, if not, then step 213 is performed.Suppose that bank card historical trading position comprises Guangzhou, Shenzhen, Huizhou, and mobile phone historical position comprises Guangzhou, Shenzhen, Shaoguan, Meizhou, then this bank card historical trading position part falls into mobile phone historical position, and falling section is divided into Guangzhou and Shenzhen.Be understandable that, if step 206 judges that this first comparing result not falls into this mobile phone historical position for this bank card historical trading position part, then can know that this bank card historical trading position does not fall into this mobile phone historical position completely, this transaction is suspicious, there is greater risk, then can perform step 213.
207, calculate this bank card historical trading position and fall into this ratio shared by mobile phone historical position part, obtain first and fall into ratio;
When this first comparing result falls into this mobile phone historical position for this bank card historical trading position part, this bank card historical trading position can be calculated and fall into this ratio shared by mobile phone historical position part, obtain first and fall into ratio.Suppose that bank card historical trading position comprises Guangzhou, Shenzhen, Huizhou, and mobile phone historical position comprises Guangzhou, Shenzhen, Shaoguan, Meizhou, then this bank card historical trading position part falls into mobile phone historical position, and falling section is divided into Guangzhou and Shenzhen, and first to fall into ratio be 2/3.That is, this first falls into ratio and equals the number of number divided by bank card historical trading position that bank card historical trading position falls into mobile phone historical position.
208, judge that this first falls into ratio and whether exceed default proportion threshold value, if so, then performs step 211, if not, then performs step 213;
After obtaining first and falling into ratio, can judge that this first falls into ratio and whether exceed default proportion threshold value, if so, then performs step 211, if not, then performs step 213.Be understandable that, when this first fall into ratio exceed default proportion threshold value time, can think that this transaction is comparatively believable, perform step 211; When this first falls into ratio and be no more than default proportion threshold value, can think that this transaction is incredible, there is greater risk, perform step 213.It should be noted that, this proportion threshold value can set according to actual conditions, realizes the regulation and control of risk.
209, cellphone subscriber's data are obtained according to this cellphone information to background server;
After the request of acquisition mobile-phone payment, cellphone subscriber's data can be obtained according to this cellphone information to background server.Be understandable that, store cellphone subscriber's data that this cellphone information is corresponding in background server, comprising: history pay charge way, the channel that networks, frequency of changing planes, user member's rank and mobile phone are opened an account the time etc.
210, analyze this cellphone subscriber's data according to the evaluation criteria preset, obtain analysis result;
According to this cellphone information to after background server obtains cellphone subscriber data, this cellphone subscriber's data can be analyzed according to the evaluation criteria preset, obtain analysis result.
211, judge whether this analysis result meets the second wind control condition preset, and if so, then performs step 212, if not, then perform step 213;
After obtaining analysis result, can judge whether this analysis result meets the second wind control condition preset, and if so, then performs step 212, if not, then perform step 213.Be understandable that, when this analysis result meets this second wind control condition, then the transaction of this mobile-phone payment is comparatively believable, performs step 212; Otherwise, when this analysis result does not meet this second wind control condition, then can think that this transaction is incredible, there is greater risk, perform step 213.
212, this mobile-phone payment request is performed;
When concluding the business credible, perform this mobile-phone payment request.
213, this mobile-phone payment request is refused.
When transaction is suspicious, when there is greater risk, refuse this mobile-phone payment request.
The main angle contrasted from bank card historical trading position and mobile phone historical position carries out safety verification above, the comprehensive risk assessment of assessment aspect to mobile phone payment transaction carrying out comprehensive assessment aspect and identification card number of opening an account from cellphone subscriber's data will be described in detail below, refer to Fig. 3, in the embodiment of the present invention, a kind of mobile-phone payment safe verification method the 3rd embodiment comprises:
301, mobile-phone payment request is obtained;
First, can obtain mobile-phone payment request, this mobile-phone payment request comprises bank card information and cellphone information.Be understandable that, this bank card information can comprise bank card number, user name, affiliated bank, and this cellphone information can comprise cell-phone number, operator.
302, bank card historical position information is obtained according to this bank card information to bank server;
After the request of acquisition mobile-phone payment, bank card historical position information can be obtained according to this bank card information to bank server.
303, mobile phone position information is obtained according to this cellphone information to background server;
After the request of acquisition mobile-phone payment, mobile phone position information can be obtained according to this cellphone information to background server.
304, contrast this bank card historical position information and this mobile phone position information, obtain comparing result;
After getting this bank card historical position information and this mobile phone position information, this bank card historical position information and this mobile phone position information can be contrasted, obtain comparing result.
305, cellphone subscriber's data are obtained according to this cellphone information to background server;
After the request of acquisition mobile-phone payment, cellphone subscriber's data can be obtained according to this cellphone information to background server.Be understandable that, store cellphone subscriber's data that this cellphone information is corresponding in background server, comprising: history pay charge way, the channel that networks, frequency of changing planes, user member's rank and mobile phone are opened an account the time etc.
306, according to the evaluation criteria preset, these cellphone subscriber's data are marked, obtain the first appraisal result;
According to this cellphone information to after background server obtains cellphone subscriber data, according to the evaluation criteria preset, these cellphone subscriber's data can be marked, obtain the first appraisal result.Be understandable that, time of supposing that these cellphone subscriber's data comprise history pay charge way, the channel that networks, frequency of changing planes, user member's rank, mobile phone are opened an account, group customer identity information, family planning identity information, mobile phone terminal brand, payment mode and historic user credit rating, then concrete scoring process is as follows:
1, according to the payment standards of grading preset, this history pay charge way is marked, obtain the first payment appraisal result;
2, according to the networking standards of grading preset, this networking channel is marked, obtain the first networking appraisal result;
3, according to the standards of grading of changing planes preset, this frequency of changing planes is marked, obtain first and to change planes appraisal result;
4, according to the member's standards of grading preset, this user member's rank is marked, obtain first member's appraisal result;
5, according to the standards of grading of opening an account preset, this mobile phone time of opening an account is marked, obtain first and to open an account appraisal result;
6, according to the group's standards of grading preset, this group customer identity information is marked, obtain first group's appraisal result;
7, according to the family's standards of grading preset, this family planning identity information is marked, obtain First Family's appraisal result;
8, according to the terminal standards of grading preset, this mobile phone terminal brand is marked, obtain first terminal appraisal result;
9, according to the pattern standards of grading preset, this payment mode is marked, obtain first mode appraisal result;
10, according to the credit scoring standard preset, this historic user credit rating is marked, obtain the first credit scoring result.
307, the second appraisal result is obtained according to this first appraisal result and default one-level weight;
After obtaining the first appraisal result, the second appraisal result can be obtained according to this first appraisal result and the one-level weight preset.Be understandable that, accept the citing of step 303, time of supposing that these cellphone subscriber's data comprise history pay charge way, the channel that networks, frequency of changing planes, user member's rank, mobile phone are opened an account, group customer identity information, family planning identity information, mobile phone terminal brand, payment mode and historic user credit rating, then:
1, the second payment appraisal result is obtained according to this first payment appraisal result and the first default weight;
2, the second networking appraisal result is obtained according to this first networking appraisal result and the second default weight;
3, obtain second to change planes appraisal result according to this first change planes appraisal result and the 3rd default weight;
4, second member's appraisal result is obtained according to this first member appraisal result and the 4th default weight;
5, obtain second to open an account appraisal result according to this first open an account appraisal result and the 5th default weight;
6, second group's appraisal result is obtained according to this first group's appraisal result and the 6th default weight;
7, second family's appraisal result is obtained according to this First Family's appraisal result and the 7th default weight;
8, the second terminal appraisal result is obtained according to this first terminal appraisal result and the 8th default weight;
9, the second pattern appraisal result is obtained according to this first mode appraisal result and the 9th default weight;
10, the second credit scoring result is obtained according to this first credit scoring result and the tenth default weight;
11, this second appraisal result is obtained according to this second payment appraisal result, second networking appraisal result, second open an account appraisal result, second group's appraisal result, second family's appraisal result, the second terminal appraisal result, the second pattern appraisal result and the second credit scoring result of appraisal result, second member's appraisal result, second of changing planes.
Thus can comprehensively all cellphone subscriber's data assess, obtain the second appraisal result.It should be noted that, in the present embodiment, obtain the second appraisal result according to the first appraisal result and the one-level weight preset, concrete calculating can be the amassing as this second appraisal result of the first appraisal result and this one-level weight.This one-level weight can set according to actual conditions.
308, obtain bank card according to this bank card information to bank server to open an account identification card number;
After acquisition mobile-phone payment request, bank card can be obtained according to this bank card information to bank server and to open an account identification card number.
309, obtain mobile phone according to this cellphone information to background server to open an account identification card number;
After acquisition mobile-phone payment request, mobile phone can be obtained according to this cellphone information to background server and to open an account identification card number.
310, judge that whether this bank card identification card number and this mobile phone identification card number of opening an account of opening an account is identical, if so, then perform step 311, if not, then perform step 318;
Open an account after identification card number getting open an account identification card number and this mobile phone of this bank card, can judge that whether this bank card identification card number and this mobile phone identification card number of opening an account of opening an account is identical, if so, then perform step 311, if not, then execution step 318.Be understandable that, if this bank card is opened an account, identification card number and this mobile phone identification card number of opening an account is identical, can think that the account holder of this bank card of concluding the business and mobile phone belongs to same people, have better confidence level; If this bank card is opened an account, identification card number and this mobile phone identification card number of opening an account is not identical, then bank card of this transaction and the account holder of mobile phone do not belong to same people, and confidence level is not high, directly can perform step 318, refuses this mobile-phone payment request.
It should be noted that, when this bank card open an account identification card number and this mobile phone open an account identification card number identical time, requiring, in the transaction that safety coefficient is not high, also directly to perform step 317, performing this mobile-phone payment request, improving treatment effeciency.
311, the 3rd appraisal result is obtained according to the ID card verification standards of grading preset;
Judgement learn this bank card open an account identification card number and this mobile phone open an account identification card number identical after, the 3rd appraisal result can be obtained according to default ID card verification standards of grading.Be understandable that, learn this bank card open an account identification card number and this mobile phone open an account identification card number identical time, a default score value can be needed as the 3rd appraisal result according to actual conditions, such as when this bank card open an account identification card number and this mobile phone open an account identification card number identical time, score value 10 points.
312, according to point standard of estimating preset, this comparing result is marked, obtain contrasting appraisal result;
After obtaining this comparing result, according to point standard of estimating preset, this comparing result can be marked, obtain contrasting appraisal result.Be understandable that, this comparing result can preset multiple result as required, and such as bank card historical position information is identical with mobile phone position information, now according to this estimate minute mark will definitely arrive contrast appraisal result be 10 points; If bank card historical position information falls into mobile phone position information completely, according to this estimate minute mark will definitely arrive contrast appraisal result be 8 points; If mobile phone position information falls into bank card historical position information completely, according to this estimate minute mark will definitely arrive contrast appraisal result be 8 points; If bank card historical position information part falls into mobile phone position information, according to this estimate minute mark will definitely arrive contrast appraisal result be 5 points ... etc..Can the user's request different according to actual conditions specifically set.
313, the one or three grade of result is obtained according to this contrast appraisal result and the default the 1 grade of weight;
After obtaining this contrast appraisal result, the one or three grade of result can be obtained according to this contrast appraisal result and the one or the three grade of weight preset.It should be noted that, the one or three grade of weight is default weighted value, can be specifically, and contrast appraisal result and the one or three grade of the amassing of weight equal the one or three grade of result, and the one or three grade of result is a fractional value.
314, the two or three grade of result is obtained according to this second appraisal result and the default the 23 grade of weight;
After obtaining this second appraisal result, the two or three grade of result can be obtained according to this second appraisal result and the two or the three grade of weight preset.It should be noted that, the two or three grade of weight is default weighted value, can be specifically, and the second appraisal result and the two or three grade of the amassing of weight equal the two or three grade of result, and the two or three grade of result is a fractional value.
315, the three or three grade of result is obtained according to the 3rd appraisal result and the default the 33 grade of weight;
Similarly, after obtaining the 3rd appraisal result, the three or three grade of result can be obtained according to the 3rd appraisal result and the three or the three grade of weight preset.It should be noted that, the three or three grade of weight is default weighted value, can be specifically, and the 3rd appraisal result and the three or three grade of the amassing of weight equal the three or three grade of result, and the three or three grade of result is a fractional value.
316, judge whether the one or three grade of result, the two or three grade of result and the three or three grade of result sum exceed three grades of default scoring threshold values, if so, then perform step 317, if not, then perform step 318;
After obtaining the one or three grade of result, the two or three grade of result and the three or three grade of result, can judge whether the one or three grade of result, the two or three grade of result and the three or three grade of result sum exceed three grades of default scoring threshold values, if so, then perform step 317, if not, then step 318 is performed.Be understandable that, when their sums exceed three grades of default scoring threshold values, can think that the comprehensive assessment result of this payment transaction is safe, risk is less, therefore can perform step 317; Otherwise their sums are no more than three grades of default scoring threshold values, and namely the comprehensive assessment result of this payment transaction is made us " being unsatisfied with ", and relative risk is comparatively large, can perform the greater risk that step 318 is brought to evade payment transaction.
317, this mobile-phone payment request is performed;
When concluding the business credible, perform this mobile-phone payment request.
318, this mobile-phone payment request is refused.
When transaction is suspicious, when there is greater risk, refuse this mobile-phone payment request.
In the present embodiment, by estimating the degree of risk of this payment transaction to the comprehensive assessment of bank card historical position information and mobile phone position information, cellphone subscriber's data and I.D. of opening an account, create a further reduction the risk of mobile payment, and the comprehensive assessment concrete condition of payment transaction, avoids the erroneous judgement occurring " take a part for the whole ".
Those skilled in the art can be well understood to, and for convenience and simplicity of description, the system of foregoing description, the specific works process of device and unit, with reference to the corresponding process in preceding method embodiment, can not repeat them here.
The above, above embodiment only in order to technical scheme of the present invention to be described, is not intended to limit; Although with reference to previous embodiment to invention has been detailed description, those of ordinary skill in the art is to be understood that: it still can be modified to the technical scheme described in foregoing embodiments, or carries out equivalent replacement to wherein portion of techniques feature; And these amendments or replacement, do not make the essence of appropriate technical solution depart from the spirit and scope of various embodiments of the present invention technical scheme.
Claims (10)
1. a mobile-phone payment safe verification method, is characterized in that, comprising:
Obtain mobile-phone payment request, described mobile-phone payment request comprises bank card information and cellphone information;
Bank card historical position information is obtained to bank server according to described bank card information;
Mobile phone position information is obtained to background server according to described cellphone information;
Contrast described bank card historical position information and described mobile phone position information, obtain comparing result;
Cellphone subscriber's data are obtained to background server according to described cellphone information;
Evaluation criteria according to presetting analyzes described cellphone subscriber's data, obtains analysis result;
Judge whether described comparing result and described analysis result meet the risk control condition preset, and if so, then perform described mobile-phone payment request, if not, then refuse described mobile-phone payment request.
2. method according to claim 1, is characterized in that, judges whether described comparing result and described analysis result meet the risk control condition preset and specifically comprise:
Judge whether described comparing result meets the first wind control condition preset, and judge whether described analysis result meets the second wind control condition preset.
3. method according to claim 2, is characterized in that, describedly obtains bank card historical position information according to described bank card information to bank server and is specially:
Bank card historical trading position is obtained to bank server according to described bank card information;
Described according to described cellphone information to background server obtain mobile phone position information be specially:
Mobile phone historical position is obtained to background server according to described cellphone information;
Described contrast described bank card historical position information and described mobile phone position information, obtain comparing result and be specially:
Contrast described bank card historical trading position and described mobile phone historical position, obtain the first comparing result;
Judge whether described comparing result meets the first wind control condition preset and specifically comprise:
If described first comparing result is described bank card historical trading position fall into described mobile phone historical position completely, then judged result is yes;
If described first comparing result is described bank card historical trading position not exclusively fall into described mobile phone historical position, then judged result is no.
4. method according to claim 3, is characterized in that, if described first comparing result is described bank card historical trading position not exclusively fall into described mobile phone historical position, then judged result is noly specifically to comprise:
If described first comparing result is described bank card historical trading position, part falls into described mobile phone historical position, then calculate described bank card historical trading position and fall into ratio shared by described mobile phone historical position part, obtain first and fall into ratio;
Judge that described first falls into ratio and whether exceed default proportion threshold value, if so, then described judged result is yes, and if not, then described judged result is no;
If described first comparing result is described bank card historical trading position do not fall into described mobile phone historical position completely, then described judged result is no.
5. method according to claim 1, is characterized in that, the evaluation criteria that described basis is preset analyzes described cellphone subscriber's data, obtains analysis result and specifically comprises:
Evaluation criteria according to presetting is marked to described cellphone subscriber's data, obtains the first appraisal result;
The second appraisal result is obtained according to described first appraisal result and default one-level weight.
6. method according to claim 5, is characterized in that, judges whether described comparing result and described analysis result meet the risk control condition preset and specifically comprise:
Point standard of estimating according to presetting is marked to described comparing result, obtains contrasting appraisal result;
The one or three grade of result is obtained according to described contrast appraisal result and the one or three grade of default weight;
The two or three grade of result is obtained according to described second appraisal result and the two or three grade of default weight;
Judge whether described one or three grade of result and the two or three grade of result sum exceed default secondary scoring threshold value.
7. method according to claim 6, it is characterized in that, described cellphone subscriber's data comprise: history pay charge way, the channel that networks, frequency of changing planes, user member's rank, mobile phone are opened an account time, group customer identity information, family planning identity information, mobile phone terminal brand, payment mode and historic user credit rating;
The evaluation criteria that described basis is preset is marked to described cellphone subscriber's data, obtains the first appraisal result and specifically comprises:
Payment standards of grading according to presetting are marked to described history pay charge way, obtain the first payment appraisal result;
Networking standards of grading according to presetting are marked to described networking channel, obtain the first networking appraisal result;
Standards of grading of changing planes according to presetting are marked to described frequency of changing planes, and obtain first and to change planes appraisal result;
Member's standards of grading according to presetting are marked to described user member's rank, obtain first member's appraisal result;
Standards of grading of opening an account according to presetting were marked to the described mobile phone time of opening an account, and obtained first and to open an account appraisal result;
Group's standards of grading according to presetting are marked to described group customer identity information, obtain first group's appraisal result;
Family's standards of grading according to presetting are marked to described family planning identity information, obtain First Family's appraisal result;
Terminal standards of grading according to presetting are marked to described mobile phone terminal brand, obtain first terminal appraisal result;
Pattern standards of grading according to presetting are marked to described payment mode, obtain first mode appraisal result;
Credit scoring standard according to presetting is marked to described historic user credit rating, obtains the first credit scoring result.
8. method according to claim 7, is characterized in that, describedly obtains the second appraisal result specifically comprise according to described first appraisal result and the one-level weight preset:
The second payment appraisal result is obtained according to described first payment appraisal result and the first default weight;
The second networking appraisal result is obtained according to described first networking appraisal result and the second default weight;
Obtain second to change planes appraisal result according to the described first change planes appraisal result and the 3rd weight of presetting;
Second member's appraisal result is obtained according to described first member's appraisal result and the 4th default weight;
Obtain second to open an account appraisal result according to the described first open an account appraisal result and the 5th weight of presetting;
Second group's appraisal result is obtained according to described first group appraisal result and the 6th default weight;
Second family's appraisal result is obtained according to described First Family's appraisal result and the 7th default weight;
The second terminal appraisal result is obtained according to described first terminal appraisal result and the 8th default weight;
The second pattern appraisal result is obtained according to described first mode appraisal result and the 9th default weight;
The second credit scoring result is obtained according to described first credit scoring result and the tenth default weight;
Described second appraisal result is obtained according to described second payment appraisal result, the second networking appraisal result, second open an account appraisal result, second group's appraisal result, second family's appraisal result, the second terminal appraisal result, the second pattern appraisal result and the second credit scoring result of appraisal result, second member's appraisal result, second of changing planes.
9. the method according to any one of claim 6 to 8, is characterized in that, described method also comprises:
Obtain bank card according to described bank card information to bank server to open an account identification card number;
Obtain mobile phone according to described cellphone information to background server to open an account identification card number;
Judge that whether described bank card identification card number and described mobile phone identification card number of opening an account of opening an account is identical, if so, then obtain the 3rd appraisal result according to the ID card verification standards of grading preset, if not, then refuse described mobile-phone payment request.
10. method according to claim 9, is characterized in that, judges whether described comparing result and described analysis result meet the risk control condition preset and specifically also comprise:
The three or three grade of result is obtained according to described 3rd appraisal result and the three or three grade of default weight;
Judge whether described one or three grade of result and the two or three grade of result sum exceed default scoring threshold value and be specially:
Judge whether described one or three grade of result, the two or three grade of result and the three or three grade of result sum exceed three grades of default scoring threshold values.
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