CN106296202A

CN106296202A - A kind of method of consumer's risk prevention and control in terminal charge payment process

Info

Publication number: CN106296202A
Application number: CN201610668539.3A
Authority: CN
Inventors: 刘思家; 常健
Original assignee: SHENYANG LINKE INFORMATION TECHNOLOGY CO LTD
Current assignee: SHENYANG LINKE INFORMATION TECHNOLOGY CO LTD
Priority date: 2016-08-15
Filing date: 2016-08-15
Publication date: 2017-01-04

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

A kind of method of consumer's risk prevention and control in terminal charge payment process

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.

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

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；

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.