CN106875595B

CN106875595B - Method and device for determining using place of POS terminal

Info

Publication number: CN106875595B
Application number: CN201710044785.6A
Authority: CN
Inventors: 汤旻玮; 呼如生; 赵萌
Original assignee: Unionpay Intelligence Consultant (shanghai) Co Ltd
Current assignee: Unionpay Intelligence Consultant (shanghai) Co Ltd
Priority date: 2017-01-20
Filing date: 2017-01-20
Publication date: 2020-01-17
Anticipated expiration: 2037-01-20
Also published as: CN106875595A

Abstract

The invention relates to the technical field of computers, in particular to a method and a device for determining a use place of a POS terminal, which comprise the following steps: firstly, acquiring transaction information of transaction cards, and determining any two POS terminals with transaction time within a set threshold value as a neighbor relation according to the transaction time in the transaction information containing the transaction card identification for each transaction card identification; and aiming at each POS terminal identification, determining the use place of the POS terminal according to the registration place of the neighbor POS terminal of the POS terminal, wherein the neighbor POS terminal is the POS terminal which is in neighbor relation with the POS terminal. According to the embodiment of the invention, by combining a plurality of transaction information of each transaction card, each transaction information corresponds to the registration place of one POS terminal, so that a plurality of neighbor POS terminals of each POS terminal are determined, the use place of the POS terminal is further determined, and the use place of the POS terminal can be accurately determined.

Description

Method and device for determining using place of POS terminal

Technical Field

The invention relates to the technical field of computers, in particular to a method and a device for determining a use place of a POS terminal.

Background

In recent years, in order to occupy the market in intense industry competition, some third-party acquirers illegally provide point of sale (POS) terminals to merchants or individuals, some third-party acquirers even have no basic subject identity verification, some third-party acquirers illegally bypass a payment settlement system of the union pay, and the third-party acquirers are probably modified and utilized by illegal molecules, pass through merchant application codes and threaten the capital and property safety of consumers. Including a remote order receiving POS machine. The remote receipt means that the actual use place of the POS is inconsistent with the application use place (32 fields).

The prior art mainly determines whether the merchant name is consistent with the 32 domains for the above-mentioned remote bill collection. The judgment method has lower accuracy because the name of the merchant of a plurality of merchants receiving orders in different places is not accurate; there are also a large number of chained merchants, named headquarters addresses, but with POS located in a separate branch. Therefore, the remote receipt judgment method based only on the merchant name is insufficient.

In the prior art, the place of a card holder consuming in a merchant is also used for judging whether the merchant receives the order in different places. The method has the main problems that the merchant location and the cardholder location are interdependent, namely the cardholder location is calculated by the location of the merchant consuming the card, and if the merchant receives the order in different places, the cardholder location is wrong, which adversely affects the determination of the merchant location.

Therefore, the prior art cannot accurately identify the receipt in different places, and the core of the prior art lies in that the location of the POS terminal (namely the physical position where the POS terminal is actually located) cannot be accurately determined, so that the POS terminal in the different places cannot be accurately identified.

In summary, the prior art has a problem that the location of the POS terminal cannot be accurately identified.

Disclosure of Invention

The embodiment of the invention provides a method and a device for determining a using place of a POS terminal, which are used for accurately identifying the using place of the POS terminal.

In a first aspect, an embodiment of the present invention provides a method for determining a use location of a POS terminal, including:

acquiring transaction information of each transaction card, wherein the transaction information comprises a transaction card identifier, transaction time, a point-of-sale (POS) terminal identifier and a registration place of a POS terminal;

for each transaction card identifier, determining any two POS terminals with the transaction time within a set threshold value as a neighbor relation according to the transaction time in the transaction information containing the transaction card identifier;

and aiming at each POS terminal identification, determining the use place of the POS terminal according to the registration place of the neighbor POS terminal of the POS terminal, wherein the neighbor POS terminal is the POS terminal which is in neighbor relation with the POS terminal.

Optionally, determining the use location of the POS terminal according to a registration location of a neighbor POS terminal of the POS terminal includes:

determining the occurrence frequency of each registration place in the registration places of all the neighbor POS terminals of the POS terminal according to the registration places of all the neighbor POS terminals of the POS terminal;

and determining the registration place with the largest occurrence number as the use place of the POS terminal.

Optionally, after determining the registration location with the largest number of occurrences as the usage location of the POS terminal, the method further includes:

according to the using place of each POS terminal, when the POS terminal is used as a neighbor terminal, the registered place of the POS terminal is updated to the using place of the POS terminal;

determining the use place of each POS terminal according to the updated registration place of the neighbor POS terminal of each POS terminal until the update stop condition is met;

the use place of each POS terminal satisfying the update stop condition is determined as the use place of each POS terminal.

Optionally, the update stop condition is: and the change rate of the updated using place of the neighbor POS terminal is not more than a preset change rate threshold value.

Optionally, after obtaining the transaction information of each transaction card, the method further includes: and deleting the transaction information of which the transaction type is the online transaction and/or the manual single transaction.

In a second aspect, an embodiment of the present invention provides an apparatus for determining a location of use of a POS terminal, including:

the system comprises an acquisition unit, a processing unit and a processing unit, wherein the acquisition unit is used for acquiring transaction information of each transaction card, and the transaction information comprises a transaction card identifier, transaction time, a point-of-sale (POS) terminal identifier and a registration place of the POS terminal;

the neighbor relation determining unit is used for determining any two POS terminals with the transaction time within a set threshold value as the neighbor relation according to the transaction time in the transaction information containing the transaction card identification aiming at each transaction card identification;

and the using place determining unit is used for determining the using place of the POS terminal according to the registered place of the neighbor POS terminal of the POS terminal aiming at each POS terminal identification, wherein the neighbor POS terminal is the POS terminal which is in neighbor relation with the POS terminal.

Optionally, the usage location determining unit is specifically configured to:

Optionally, the usage location determining unit is further configured to: after determining the registration place with the largest occurrence frequency as the use place of the POS terminal, updating the registration place of the POS terminal to the use place of the POS terminal when the POS terminal is used as a neighbor terminal according to the use place of each POS terminal;

Optionally, the obtaining unit is further configured to: and after the transaction information of each transaction card is acquired, deleting the transaction information of which the transaction type is online transaction and/or manual single transaction.

The method comprises the steps of firstly, obtaining transaction information of a transaction card, wherein the transaction information comprises a transaction card identifier, transaction time, a POS terminal identifier and a registration place of a POS terminal; for each transaction card identifier, determining any two POS terminals with the transaction time within a set threshold value as a neighbor relation according to the transaction time in the transaction information containing the transaction card identifier; and aiming at each POS terminal identification, determining the use place of the POS terminal according to the registration place of the neighbor POS terminal of the POS terminal, wherein the neighbor POS terminal is the POS terminal which is in neighbor relation with the POS terminal. According to the embodiment of the invention, by combining a plurality of transaction information of each transaction card, each transaction information corresponds to the registration place of one POS terminal, so that a plurality of neighbor POS terminals of each POS terminal are determined, the use place of the POS terminal is further determined, and the use place of the POS terminal can be accurately determined.

Drawings

FIG. 1 is a schematic diagram illustrating a method for determining a location of a POS terminal according to an embodiment of the present invention;

FIG. 2 is a detailed flowchart of a method for determining a location of use of a POS terminal according to an embodiment of the present invention;

fig. 3 is a schematic view of a device for determining a location of use of a POS terminal according to an embodiment of the present invention.

Detailed Description

In order to make the objects, technical solutions and advantages of the present invention clearer, the present invention will be described in further detail with reference to the accompanying drawings, and it is apparent that the described embodiments are only a part of the embodiments of the present invention, not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

The embodiments of the present invention will be described in further detail with reference to the drawings attached hereto.

As shown in fig. 1, an embodiment of the present invention provides a method for determining a location of a POS terminal, including:

step 101, obtaining transaction information of each transaction card, wherein the transaction information comprises a transaction card identifier, transaction time, a point-of-sale (POS) terminal identifier and a registration place of a POS terminal;

102, aiming at each transaction card identifier, determining any two POS terminals with the transaction time within a set threshold value as a neighbor relation according to the transaction time in the transaction information containing the transaction card identifier;

103, aiming at each POS terminal identification, determining the use place of the POS terminal according to the registration place of the neighbor POS terminal of the POS terminal, wherein the neighbor POS terminal is the POS terminal which is in neighbor relation with the POS terminal.

The transaction information of each transaction card in the embodiment of the invention can be distributed to hundreds of thousands of computers by adopting large data processing and analyzing technologies such as distributed processing, a distributed file system, a distributed database, cloud storage, a virtualization technology, the internet, an expandable storage system and the like based on a cloud computing platform and by using a Hadoop-MapReduce framework of a distributed architecture, and the transaction information used in the embodiment of the invention can be acquired by carrying out distributed data mining on mass consumption data.

Wherein, each acquired transaction information at least comprises: the transaction card identification, the transaction time, the Point of sale (POS) terminal identification, and the registration location of the POS terminal, for example, represent a plurality of transaction messages in the form shown in table 1, as follows:

transaction card identification	POS terminal identification	Transaction time	POS terminal registration place
				Card 1	A	13:00	Shanghai province
Card 1	B	14:00	Shanghai province
				Card 1	C	15:00	Beijing
Card 1	A	16:00	Shanghai province
				Card 2	A	20:00	Shanghai province
Card 2	E	21:00	Beijing
				Card 2	C	21:30	Beijing
Card 2	B	22:00	Shanghai province
				Card 2	D	23:00	Shanghai province
…	…	…	…

TABLE 1

The transaction card identifier in one transaction message may be identified by using a desensitization card number, the POS terminal identifier is used to indicate on which POS the transaction is performed, the transaction time is used to indicate the specific time when the transaction occurs, which may be as accurate as minutes or seconds, and the POS terminal registration location refers to the registration location of the POS where the transaction occurs, which is specifically referred to as a 32-domain location.

Thus, a transaction may be identified by the above information for each transaction.

The online transaction refers to a transaction performed on the internet, and in such a transaction, because two transactions of the same card may not be simultaneously performed at the same place (for example, if the user can purchase a product in the kyoto, the place displaying the transaction POS terminal of the user may be in the Nanjing, and if the user purchases a product in Taobao, the place displaying the transaction POS terminal of the user may be in Hangzhou), accurate determination of the use place of the POS terminal by the present invention may be disturbed, and therefore, it is necessary to delete transaction information of the online transaction, and for the same reason, the manual single transaction also needs to be deleted.

In the step 102, for each transaction card identifier, according to the transaction time in the transaction information including the transaction card identifier, any two POS terminals whose transaction time is within a set threshold are determined as a neighbor relation.

Referring to table 1 above, taking card 1 as an example, assume that the threshold is set to 1 hour, i.e. for card 1: and if the time interval of the two transactions is less than 1 hour, determining the POS terminals corresponding to the two transactions as having the neighbor relation.

In table 1, the first transaction time of the card 1 is 13:00, the second transaction is 14:00, and the time interval between the two transactions does not exceed 1 hour, so the corresponding POS terminal a and POS terminal B are adjacent to each other, and similarly, the POS terminal B and POS terminal C are adjacent to each other, and the POS terminal C and POS terminal a are adjacent to each other; similarly, for the card 2, the POS terminal a and the POS terminal E are in a neighboring relationship with each other, the POS terminal E and the POS terminal C are in a neighboring relationship with each other, the POS terminal C and the POS terminal B are in a neighboring relationship with each other, and the POS terminal B and the POS terminal D are in a neighboring relationship with each other, so that the above-mentioned neighboring relationship is expressed in the form of table 2 as follows:

TABLE 2

Further, in step 103, for each POS terminal identifier, a location of use of the POS terminal is determined according to a registered location of a neighbor POS terminal of the POS terminal, where the neighbor POS terminal is a POS terminal in a neighbor relationship with the POS terminal.

Specifically, the number of times of occurrence of each registered location in the registered locations of all neighbor POS terminals of the POS terminal may be determined according to the registered locations of all neighbor POS terminals of the POS terminal; and determining the registration place with the largest occurrence number as the use place of the POS terminal.

Of course, the location of the POS terminal may be determined in other manners, for example, any one of the first two registered locations that occur most frequently may be determined as the location of the POS terminal.

Referring to table 2, taking the POS terminal a as an example, since the POS terminal a has 3 neighboring POS terminals, namely, the POS terminal B, POS terminal C, POS terminal E, and the registered locations of the corresponding POS terminals are shanghai, beijing, and beijing, respectively, the actual use location of the POS terminal a is determined to be beijing. Based on the same method, the use place of each POS terminal can be obtained, as shown in table 3, for each POS terminal obtained according to table 2.

TABLE 3

Thus, the results shown in table 3 were obtained, and the use place corresponding to each POS terminal was obtained.

In the embodiment of the invention, in order to make the obtained result more accurate, after the using location of each POS terminal is obtained, the obtained result can be iterated by using an iteration model until the iteration is stopped, and the result obtained after the iteration is stopped is output as the final result.

Therefore, optionally, after determining the registration place with the largest occurrence number as the use place of the POS terminal, the method may further include:

For example, referring to the above tables 2 and 3, the results of table 3 may be used to update table 2, that is, the registered location corresponding to each neighbor POS terminal identifier in table 2 is updated to the used location corresponding to the neighbor POS terminal identifier. Thus, updating table 2 using table 3, results in table 4 as:

TABLE 4

Then, according to table 4, the location of use of each POS terminal can be obtained again, as shown in table 5:

POS terminal identification	Point of use (POS) terminal
		A	Shanghai province
B	Shanghai province
		C	Shanghai province
D	Shanghai province
		E	Shanghai province

TABLE 5

Table 4 is then updated again using table 5, looping back and forth until an iteration stop condition is met, where the iteration stop condition may be: and the change rate of the updated using place of the neighbor POS terminal is not more than a preset change rate threshold value.

That is, table 5 is compared with table 3 to determine the change rate of the use location of the neighbor POS terminal, and if the change rate is less than or equal to the change rate threshold, the iteration is stopped, otherwise the iteration is continued.

In practical applications, since the amount of the transaction information is relatively large, the threshold value of the change rate may be set to a relatively small value, for example, 0.01%.

Based on the iterative model, the obtained using place of each POS terminal can be more accurate.

After obtaining the place of use of each POS terminal, the following applications may be available: the actual operating place of the merchant can be regularly monitored, and whether the POS machine is illegally used or not can be detected; the derivative variables, scores and the like of the cardholder can be corrected according to the corrected merchant location, so that the picture of the cardholder is more accurate; meanwhile, a more accurate transaction anti-fraud model can be established based on the method, the misjudgment rate of the anti-fraud model is reduced, and the like.

And, in the subsequent management of the iterative model, continuously monitoring to analyze whether the model needs to be adjusted and optimized. For example, whether the proportion of the number of the merchants receiving the orders in different places, the transaction amount, the number of the merchants accounting for all the number of the merchants, the transaction amount and the number of the merchants changes greatly along with the time is monitored; monitoring whether the number proportion of the merchants in the place has great change along with time or not; whether the main parameters of the model need to be updated; whether the update frequency of the model is to be increased; whether the model time window needs to be expanded or reduced, etc.

As shown in fig. 2, a detailed flowchart of a method for determining a POS terminal use location provided in the embodiment of the present invention includes:

step 201, obtaining transaction information of each transaction card, wherein the transaction information includes a transaction card identifier, transaction time, a point-of-sale (POS) terminal identifier and a registration place of the POS terminal.

Step 202, deleting transaction information of which the transaction type is an online transaction and/or a manual single transaction.

Step 203, determining any two POS terminals with the transaction time within a set threshold value as a neighbor relation according to the transaction time in the transaction information containing the transaction card identification aiming at each transaction card identification.

And 204, determining the occurrence frequency of each registered place in the registered places of all the neighbor POS terminals of the POS terminal according to the registered places of all the neighbor POS terminals of the POS terminal, and determining the registered place with the maximum occurrence frequency as the using place of the POS terminal.

Step 205, according to the using place of each POS terminal, when the POS terminal is used as a neighbor terminal, updating the registered place of the POS terminal to the using place of the POS terminal; determining the use place of each POS terminal according to the updated registration place of the neighbor POS terminal of each POS terminal until the update stop condition is met; the use place of each POS terminal satisfying the update stop condition is determined as the use place of each POS terminal.

Based on the same inventive concept, an embodiment of the present invention further provides an apparatus for determining a location of use of a POS terminal, as shown in fig. 3, including:

the acquisition unit 301 is configured to acquire transaction information of each transaction card, where the transaction information includes a transaction card identifier, transaction time, a POS terminal identifier, and a registration location of a POS terminal;

a neighbor relation determining unit 302, configured to determine, for each transaction card identifier, any two POS terminals whose transaction time is within a set threshold as a neighbor relation according to the transaction time in the transaction information including the transaction card identifier;

a using location determining unit 303, configured to determine, for each POS terminal identifier, a using location of the POS terminal according to a registration location of a neighbor POS terminal of the POS terminal, where the neighbor POS terminal is a POS terminal that is in a neighbor relationship with the POS terminal.

Optionally, the using location determining unit 303 is specifically configured to:

Optionally, the usage location determining unit 303 is further configured to: after determining the registration place with the largest occurrence frequency as the use place of the POS terminal, updating the registration place of the POS terminal to the use place of the POS terminal when the POS terminal is used as a neighbor terminal according to the use place of each POS terminal; determining the use place of each POS terminal according to the updated registration place of the neighbor POS terminal of each POS terminal until the update stop condition is met; the use place of each POS terminal satisfying the update stop condition is determined as the use place of each POS terminal.

Optionally, the obtaining unit 301 is further configured to: and after the transaction information of each transaction card is acquired, deleting the transaction information of which the transaction type is online transaction and/or manual single transaction.

As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, embodiments of the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, embodiments of the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

Embodiments of the present invention are described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

It will be apparent to those skilled in the art that various modifications and variations can be made in the embodiments of the present invention without departing from the spirit and scope of the application. Thus, if such modifications and variations of the embodiments of the present invention fall within the scope of the claims of the present application and their equivalents, the present application is also intended to encompass such modifications and variations.

Claims

1. A method for determining a location of use of a POS terminal, comprising:

aiming at each POS terminal identification, determining the use place of the POS terminal according to the registration place of a neighbor POS terminal of the POS terminal, wherein the neighbor POS terminal is a POS terminal which is in neighbor relation with the POS terminal;

determining the use place of the POS terminal according to the registration place of the neighbor POS terminal of the POS terminal, wherein the use place of the POS terminal comprises the following steps:

determining the registration place with the largest occurrence number as the use place of the POS terminal;

after determining the registration place with the largest occurrence number as the use place of the POS terminal, the method further comprises the following steps:

2. The method according to claim 1, wherein the update stop condition is: and the change rate of the updated using place of the neighbor POS terminal is not more than a preset change rate threshold value.

3. The method of claim 1 or 2, wherein after obtaining transaction information for each transaction card, further comprising:

and deleting the transaction information of which the transaction type is the online transaction and/or the manual single transaction.

4. An apparatus for determining a location of use of a POS terminal, comprising:

a using place determining unit, configured to determine, for each POS terminal identifier, a using place of the POS terminal according to a registration place of a neighbor POS terminal of the POS terminal, where the neighbor POS terminal is a POS terminal that is in a neighbor relationship with the POS terminal;

the usage location determining unit is specifically configured to:

the usage location determining unit is further configured to: after determining the registration place with the largest occurrence frequency as the use place of the POS terminal, updating the registration place of the POS terminal to the use place of the POS terminal when the POS terminal is used as a neighbor terminal according to the use place of each POS terminal;

5. The apparatus of claim 4, wherein the update stop condition is: and the change rate of the updated using place of the neighbor POS terminal is not more than a preset change rate threshold value.

6. The apparatus according to claim 4 or 5, wherein the obtaining unit is further configured to: and after the transaction information of each transaction card is acquired, deleting the transaction information of which the transaction type is online transaction and/or manual single transaction.