CN106296202A - A kind of method of consumer's risk prevention and control in terminal charge payment process - Google Patents
A kind of method of consumer's risk prevention and control in terminal charge payment process Download PDFInfo
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- CN106296202A CN106296202A CN201610668539.3A CN201610668539A CN106296202A CN 106296202 A CN106296202 A CN 106296202A CN 201610668539 A CN201610668539 A CN 201610668539A CN 106296202 A CN106296202 A CN 106296202A
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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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Abstract
The present invention discloses a kind of method of consumer's risk coefficient assessment during bill payment, the method uses the note secondary-confirmation payment flow of industry internal standard, comprise the USSD short-message verification form of higher level simultaneously, and kinds of risks controls, to guarantee that delivery operation is the actual wishes behavior of user, decrease the complaint of user, ensure the fund security of user.The method comprises the following steps: 1. the Information Signature of network communication verifies the collection of 2. user basic information.3. the assessment of the management and control mode 4. payment risk coefficient of note secondary-confirmation flow process and management and control.The inventive method make use of operator's platform and internal magnanimity merchant data to carry out big data analysis, have evaluated the risk factor during user carries out bill payment, it is ensured that the safety of customer transaction, and the financial risks of trade company.
Description
Technical field
The present invention relates to the method for consumer's risk coefficient assessment during bill payment, the method is respectively by operator
Payment system judges user and the information such as the credit worthiness of trade company, wind control limit.Reintegrate user and trade company's risk information, comment
Estimate customer transaction risk factor rank, to ensure the safety of user and merchant transaction.
Background technology
Along with developing rapidly of the Internet and application market, carry out bill payment market segment, meet user and each should
With the demand of manufacturer, simple flow, be bound to China Mobile to be taken by the hand, China Telecom jointly make one and safely and conveniently pay
Platform.The mode degree of depth such as share with open platform, ability and excavate the resource such as the flow of self, charging, service user.Safety exists
Being the problem that can not be ignored between this, in the tide of the very fast development in nowadays the Internet, mobile payment has become intelligent consumption
An indispensable part, ensures that user, the information security of trade company seem particularly necessary.
Summary of the invention
A kind of method of consumer's risk coefficient assessment during bill payment, the method propping up by operator respectively
The system of paying judges user and the information such as the credit worthiness of trade company, wind control limit.Reintegrate user and trade company's risk information, assessment
Customer transaction risk factor rank, to ensure the safety of user and merchant transaction.
For solving above-mentioned technical problem, the technical solution used in the present invention is:
A kind of method of consumer's risk coefficient assessment during bill payment, the method uses the short of industry internal standard
Letter secondary-confirmation payment flow, comprises the USSD short-message verification form of higher level simultaneously, and blacklist, user's day Monthly Sum Limit,
User pays the frequency, application business and application and pays the risk control of limit, to guarantee that delivery operation is the actual wishes row of user
For, decrease the complaint of user, ensure the fund security of user.
The invention have the advantage that
1, the Transaction Information intelligent and high-efficiency assessment telephone expenses transaction risk coefficient provided by partner, and pass through public, private key
Cipher mode returns to partner, carries out own service process for partner.
2, in the face of bill payment overall situation, it is possible to effectively reduce customer transaction risk, control merchant transaction behavior, ensure double
The interests of side.
Accompanying drawing explanation
Fig. 1 is the business scenario figure of the present invention;
Fig. 2 is the internal logic sequential chart of the present invention;
Fig. 3 is bis-verifying logic figures of USSD of the present invention.
Detailed description of the invention
Below according to accompanying drawing, the present invention is elaborated.
As Figure 1-3, the present invention discloses a kind of method of consumer's risk coefficient assessment during bill payment, should
Method judges user and the information such as the credit worthiness of trade company, wind control limit by the payment system of operator respectively.Reintegrate
User and trade company's risk information, assess customer transaction risk factor rank, to ensure the safety of user and merchant transaction.
A kind of method of consumer's risk coefficient assessment during bill payment, the method uses the short of industry internal standard
Letter secondary-confirmation payment flow, comprises the USSD short-message verification form of higher level simultaneously, and blacklist, user's day Monthly Sum Limit,
User pays the frequency, application business and application and pays the risk control of limit, to guarantee that delivery operation is the actual wishes row of user
For, decrease the complaint of user, ensure the fund security of user.
The method comprises the following steps:
Step 1, the Information Signature checking of network communication:
For access affiliate apply business to distribute key data, with http agreement request pay interface time, it is right to need
The data of request do md5 encryption computing;Signed data rule is that required parameter all arranges according to name character ascending order, by parameter name
Claim and parameter value splices according to " parameter name=parameter value " form, with the key composition encryption factor;Label are treated with MD5 digest algorithm
Name data are made a summary, and generate signed data, as the value of additional required parameter sign;
Request recipient also according to set identical encryption rule verify, if generate sign value with ask in
When sign value is consistent, then allows this network communication, otherwise forbid communication;
Step 2, the collection of user basic information:
According to operator's mobile Internet channel support system (such as: the cBss support system of CHINAUNICOM), it is provided that
Subscriber Number segment information storehouse, inquires the essential information of user, such as with http agreement by cell-phone number: vendor class,
Network classification, province/districts and cities' ownership, credit balance, the basis information such as set meal, creditworthiness, by redis caching technology by net
The essential information of network any active ues is cached, and improves search efficiency, and these essential informations of user are used for user behavior analysis
And data analysis;
Step 3, the management and control mode of note secondary-confirmation flow process
When user buys commodity, can initiate to pay request with http agreement, the parameter in request includes phone number, business
Product coding, content business coding, order number, timestamp, when, after the request receiving user, the random verification code of 6 being generated, with
Order number, cell-phone number do association and are cached in redis, and identifying code is issued to the mobile phone of user afterwards by the form of note
In;
After user receives identifying code, filling in identifying code in application, click on and confirm to pay, meeting http agreement is initiated to confirm
Paying request, the identifying code and the identifying code cached before that are transmitted by user are compared, and when differing, flow process stops, identical
Time call the value-added service AUC system of operator, transmission phone number and the amount of money of deducting fees and complete payment process;
Step 4, the assessment of payment risk coefficient and management and control:
During user initiates transaction, can pass through mq message queue technology, asynchronous counting user behavior, such as: ask
Ask the time of payment, confirm payment time, spending limit on user's same day, spending limit in user's this month, customer transaction number of times, list
The maximum of secondary transaction;The same day that simultaneously can also add up certain application or commodity takes in amount, of that month income amount;By with
Gather and the taxonomic revision according to operator, province, the multiple dimension of application producer of upper information combine, and arrange corresponding threshold values and enter
Line pipe control, when user pays successful, by phone number be unit its dealing money that adds up when user pays again, need elder generation
Inquire the historical transactional information of active user by redis caching technology and paid total amount, entering with the threshold values set
Row size compares, and if greater than threshold values, forbids again paying, have effectively achieved the security management and control of payment.
Claims (2)
1. the method for consumer's risk coefficient assessment during bill payment, it is characterised in that:
The method uses the note secondary-confirmation payment flow of industry internal standard, comprises the USSD short-message verification shape of higher level simultaneously
Formula, and blacklist, user's day Monthly Sum Limit, user pay the frequency, application business and application and pay the risk control of limit, to guarantee
Delivery operation is the actual wishes behavior of user, decreases the complaint of user, has ensured the fund security of user.
2. according to a kind of method of consumer's risk prevention and control in terminal charge payment process described in claim 1, its feature
It is:
The method comprises the following steps:
Step 1, the Information Signature checking of network communication:
For access affiliate apply business to distribute key data, with http agreement request pay interface time, need to request
Data do md5 encryption computing;Signed data rule is that required parameter all arranges according to name character ascending order, by parameter name and
Parameter value splices according to " parameter name=parameter value " form, with the key composition encryption factor;Number of signature is treated with MD5 digest algorithm
According to making a summary, generate signed data, as the value of additional required parameter sign;
Request recipient also verifies according to the identical encryption rule set, if the sign value generated and the sign in request
When being worth consistent, then allow this network communication, otherwise forbid communication;
Step 2, the collection of user basic information:
According to operator's mobile Internet channel support system, it is provided that Subscriber Number segment information storehouse, pass through hands with http agreement
Plane No. inquires the essential information of user, such as: vendor class, network classification, province/districts and cities' ownership, credit balance, base
The information such as plinth set meal, creditworthiness, are cached the essential information of network any active ues by redis caching technology, improve
Search efficiency, these essential informations of user are used for user behavior analysis and data analysis;
Step 3, the management and control mode of note secondary-confirmation flow process
When user buys commodity, can initiate to pay request with http agreement, the parameter in request includes that phone number, commodity are compiled
Code, content business coding, order number, timestamp, when, after the request receiving user, generating the random verification code of 6, with order
Number, cell-phone number do association and be cached in redis, afterwards identifying code is issued in the mobile phone of user by the form of note;
After user receives identifying code, filling in identifying code in application, click on and confirm to pay, meeting http agreement is initiated to confirm to pay
Asking, the identifying code and the identifying code cached before that are transmitted by user are compared, and when differing, flow process stops, and adjust time identical
Payment process is completed with the value-added service AUC system of operator, transmission phone number and the amount of money of deducting fees;
Step 4, the assessment of payment risk coefficient and management and control:
During user initiates transaction, can pass through mq message queue technology, asynchronous counting user behavior, such as: request is propped up
The time of paying, confirmation payment time, spending limit on user's same day, spending limit in user's this month, customer transaction number of times, single are handed over
Easy maximum;The same day that simultaneously can also add up certain application or commodity takes in amount, of that month income amount;By above letter
Gather and the taxonomic revision according to operator, province, the multiple dimension of application producer of breath combine, and arrange corresponding threshold values and manage
Control, when user pays successful, by phone number be unit its dealing money that adds up when user pays again, need to first pass through
Redis caching technology inquires the historical transactional information of active user and has paid total amount, carries out greatly with the threshold values set
Little comparison, if greater than threshold values, forbids again paying, have effectively achieved the security management and control of payment.
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Cited By (7)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
CN107123031A (en) * | 2017-05-02 | 2017-09-01 | 深圳乐信软件技术有限公司 | A kind of order processing method and device |
CN108234644A (en) * | 2017-12-29 | 2018-06-29 | 北京乐盟互动科技有限公司 | The control method and device of business risk |
CN108960672A (en) * | 2018-07-23 | 2018-12-07 | 广州唯品会信息科技有限公司 | The air control method, apparatus and computer readable storage medium of limit limit time |
CN109034991A (en) * | 2018-09-07 | 2018-12-18 | 重庆满助智能科技研究院有限公司 | A kind of control of financial risk method for early warning |
CN109034825A (en) * | 2018-07-31 | 2018-12-18 | 王奉君 | A kind of antitheft payment system based on big data |
CN109460223A (en) * | 2018-11-14 | 2019-03-12 | 沈阳林科信息技术有限公司 | A kind of API gateway management system and its method |
CN117010905A (en) * | 2023-10-08 | 2023-11-07 | 中国建设银行股份有限公司 | Dynamic identification processing method and device for transaction risk list data |
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Cited By (9)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
CN107123031A (en) * | 2017-05-02 | 2017-09-01 | 深圳乐信软件技术有限公司 | A kind of order processing method and device |
CN108234644A (en) * | 2017-12-29 | 2018-06-29 | 北京乐盟互动科技有限公司 | The control method and device of business risk |
CN108960672A (en) * | 2018-07-23 | 2018-12-07 | 广州唯品会信息科技有限公司 | The air control method, apparatus and computer readable storage medium of limit limit time |
CN108960672B (en) * | 2018-07-23 | 2023-01-03 | 上海品唯信息技术有限公司 | Quota and time-limited wind control method and device and computer readable storage medium |
CN109034825A (en) * | 2018-07-31 | 2018-12-18 | 王奉君 | A kind of antitheft payment system based on big data |
CN109034991A (en) * | 2018-09-07 | 2018-12-18 | 重庆满助智能科技研究院有限公司 | A kind of control of financial risk method for early warning |
CN109460223A (en) * | 2018-11-14 | 2019-03-12 | 沈阳林科信息技术有限公司 | A kind of API gateway management system and its method |
CN117010905A (en) * | 2023-10-08 | 2023-11-07 | 中国建设银行股份有限公司 | Dynamic identification processing method and device for transaction risk list data |
CN117010905B (en) * | 2023-10-08 | 2023-12-29 | 中国建设银行股份有限公司 | Dynamic identification processing method and device for transaction risk list data |
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