CN107578238A - A kind of risk control method and equipment - Google Patents
A kind of risk control method and equipment Download PDFInfo
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- CN107578238A CN107578238A CN201710671707.9A CN201710671707A CN107578238A CN 107578238 A CN107578238 A CN 107578238A CN 201710671707 A CN201710671707 A CN 201710671707A CN 107578238 A CN107578238 A CN 107578238A
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Abstract
Subject description discloses a kind of risk control method and equipment, including：Obtain comprising Send only Account mark and collecting account mark payment request after, according to the Send only Account identify, it is determined that with the corresponding trustworthy location of Send only Account mark；Identified according to the collecting account, it is determined that beneficiary position corresponding with collecting account mark；According to the beneficiary position and the trustworthy location, request progress risk control is paid to described.
Description
Technical field
This specification is related to internet information treatment technology and field of computer technology, more particularly to a kind of risk control
Method and apparatus.
Background technology
Barcode scanning pays and is increasingly becoming a kind of means of payment of main flow under line.Barcode scanning payment flow under typical line a kind of at present
Including：Client receives the payment request that user sends, and generates payment code on the client based on payment request；Trade company leads to
These information are simultaneously uploaded to service by the information in the payment code in overscan decoding apparatus reading client by the network of trade company
Device end；Server end carries out risk identification to these information received, if risky, request user's networking is verified；
If devoid of risk, trade company and customer transaction success are notified.
Therefore, it is necessary to which a kind of risk control method, risk control ability higher under above-mentioned business scenario is realized with guarantee.
The content of the invention
In view of this, this specification embodiment provides a kind of risk control method and equipment, for improving risk control
Ability.
This specification embodiment uses following technical proposals：
This specification embodiment provides a kind of risk control method, including：
Obtain and pay request, it is described to pay in request comprising Send only Account mark and collecting account mark；
According to the Send only Account identify, it is determined that with the corresponding trustworthy location of Send only Account mark, the trusted bit
Put the position of the transaction spot determined by the historical trading data of Send only Account corresponding to Send only Account mark；
Identified according to the collecting account, it is determined that beneficiary position corresponding with collecting account mark；
According to the beneficiary position and the trustworthy location, request progress risk control is paid to described.
This specification embodiment also provides a kind of risk control equipment, including：
Acquiring unit, obtain and pay request, it is described to pay in request comprising Send only Account mark and collecting account mark；
Determining unit, according to the Send only Account identify, it is determined that with the corresponding trustworthy location of Send only Account mark, institute
State the transaction spot that trustworthy location is determined by the historical trading data of Send only Account corresponding to Send only Account mark
Position；And identified according to the collecting account, it is determined that beneficiary position corresponding with collecting account mark；
Processing unit, according to the beneficiary position and the trustworthy location, request progress risk control is paid to described.
This specification embodiment also provides a kind of risk control equipment, including：At least one memory and at least one place
Device is managed, wherein, had program stored therein in the memory, and be configured by the computing device following steps：
Obtain and pay request, it is described to pay in request comprising Send only Account mark and collecting account mark；
According to the Send only Account identify, it is determined that with the corresponding trustworthy location of Send only Account mark, the trusted bit
Put the position of the transaction spot determined by the historical trading data of Send only Account corresponding to Send only Account mark；
Identified according to the collecting account, it is determined that beneficiary position corresponding with collecting account mark；
According to the beneficiary position and the trustworthy location, request progress risk control is paid to described.
Above-mentioned at least one technical scheme that this specification embodiment uses can reach following beneficial effect：
After the payment request comprising Send only Account mark and collecting account mark is obtained, according to the Send only Account mark
Know, it is determined that with the corresponding trustworthy location of Send only Account mark；According to the collecting account identify, it is determined that with the gathering account
Beneficiary position corresponding to the mark of family；According to the beneficiary position and the trustworthy location, the payment is asked into sector-style
Danger control.So, ask to carry out risk control to paying by location dimension, availability risk control program can be carried out effective
Supplement, polynary risk-control mechanism is realized, lift risk control ability；Simultaneously because both parties are in geographical position in being paid under line
Put in the presence of strong association, the technical scheme provided by this specification, can effectively lift the accuracy of risk control, Jin Erti
It the risk control power of high air control system, can also ensure the treatment effeciency of transaction, effectively lift the payment experience of user.
Brief description of the drawings
Accompanying drawing described herein is used for providing further understanding this specification, forms the part of this specification,
The schematic description and description of this specification is used to explain this specification, does not form the improper restriction to this specification.
In the accompanying drawings：
Fig. 1 is a kind of structural representation for risk control system that this specification embodiment provides；
Fig. 2 is a kind of schematic flow sheet for risk control method that this specification embodiment provides；
Fig. 3 is a kind of schematic flow sheet of the method for the determination for trustworthy location collection that this specification embodiment provides；
Fig. 4 is a kind of schematic flow sheet of the creation method for location database that this specification embodiment provides；
Fig. 5 is a kind of structural representation for risk control equipment that this specification embodiment provides.
Embodiment
In the prior art, user initiate each time transaction request (such as：Pay request) after, server is to receiving
Each transaction request carry out air control scanning, and the risk trade to identifying request verified and intercepted.However, in reality
In the application of border, it not is to be truly present risk to have some in the risk trade request being identified, and thus extends some use
The treatment effeciency of family transaction request, reduces Consumer's Experience.Lower pay in scene similarly exists such case online.
In order to realize the purpose of the application, a kind of risk control method and equipment are provided in this specification embodiment, is led to
Cross location dimension to ask to carry out risk control to paying, availability risk control program can effectively be supplemented, realized polynary
Risk-control mechanism, lift risk control ability；Simultaneously because in being paid under line there is strong close in both parties on geographical position
Connection, the technical scheme provided by this specification can effectively lift the accuracy of risk control, and then improve air control system
It risk control power, can also ensure the treatment effeciency of transaction, effectively lift the payment experience of user.
To make the purpose, technical scheme and advantage of this specification clearer, it is embodied below in conjunction with this specification
This specification technical scheme is clearly and completely described for example and corresponding accompanying drawing.Obviously, described embodiment is only this
Specification part of the embodiment, rather than whole embodiments.Based on the embodiment in this specification, ordinary skill people
The every other embodiment that member is obtained under the premise of creative work is not made, belong to the scope of this specification protection.
Below in conjunction with accompanying drawing, the technical scheme that each embodiment of this specification provides is described in detail.
Fig. 1 is a kind of structural representation for risk control system that this specification embodiment provides.The risk control system
Unite as follows.The risk control system includes：Payment equipment 101, Cash collecting equipment 103 and server 105, wherein：
Payment equipment 101, for providing the Send only Account mark for payment to the Cash collecting equipment 103.
Payment equipment 101 can provide the Send only Account mark for payment under presence to Cash collecting equipment 103,
The Send only Account mark for payment can be provided to Cash collecting equipment 103 under off-line state, implemented here for this specification
Application scenarios provided in example are not specifically limited.
Here Send only Account mark can be provided to Cash collecting equipment by the way of request is paid, can also uses and bag is provided
The other forms such as the Quick Response Code of the mark containing Send only Account provide Send only Account mark to Cash collecting equipment, are not specifically limited here.
Here payment equipment can be the intelligence of the mobile intelligent terminal equipment that user uses or other forms
Equipment, it is not specifically limited here.
Cash collecting equipment 103, the payment request sent for receiving the payment equipment 101, and collecting account mark is taken
Band is sent to server 105 in payment request.
Here Cash collecting equipment 103 can receive the payment request of the transmission of payment equipment 101 by barcode scanning mode, can also
The payment that the transmission of payment equipment 101 is received by duplication or other modes is asked, and is not specifically limited here.
Server 105, the payment request sent for receiving the Cash collecting equipment 103, payment is included in payment request
Account identification and collecting account mark；Identified according to the Send only Account, it is determined that corresponding credible with Send only Account mark
Position, the transaction that the trustworthy location is determined by the historical trading data of Send only Account corresponding to Send only Account mark are sent out
The position of the dried rhizome of rehmannia；And identified according to the collecting account, it is determined that beneficiary position corresponding with collecting account mark；Root
According to the beneficiary position and the trustworthy location, request progress risk control is paid to described.
Specifically, server determination can be by way of inquiry " with the corresponding trustworthy location of Send only Account mark "
Obtain, can also by other means obtain, be not specifically limited here.
Server can be analyzed to obtain beforehand through data analysis or other processing modes and identified with the Send only Account
Corresponding trustworthy location collection (trustworthy location is concentrated and includes at least one trustworthy location), and store and identified with the Send only Account
Corresponding trustworthy location.
Such as：Server identifies for producing the different Send only Accounts of historical trading data, performs following operate respectively：
One of them described Send only Account mark is selected, and determines historical trading number corresponding to the Send only Account mark
According to, in the historical trading data comprising transaction spot position；
According to the position of the transaction spot included in the historical trading data, the Send only Account mark of selection is generated
Trustworthy location collection corresponding to knowledge.
Wherein, the trustworthy location includes gateway MAC address, the ship-to that user provides, Send only Account mark
At least one of position of carried payment equipment positioning is a variety of.
More preferably, server, can be further true it is determined that corresponding to Send only Account mark after historical trading data
Belong to the historical trading data of credible transaction in the fixed historical trading data, will further be included in believable historical trading data
Transaction spot position generate the Send only Account mark corresponding to trustworthy location collection.
Here so-called believable historical trading data can be understood as server in the transaction data progress to receiving
Judged result is that risk is low or the transaction data of devoid of risk during risk control, here for how to judge whether transaction data is deposited
It is not specifically limited in the mode of risk.
More preferably, identified for a Send only Account, if server determines trustworthy location corresponding to Send only Account mark
To be multiple, confidence level corresponding to different trustworthy locations can also be further determined that, and it is corresponding to store confidence level
Mapping relations between trustworthy location.
It should be noted that the function of server described in this specification embodiment can also by independence and server,
The third party device of payment equipment and Cash collecting equipment is realized, if realize institute in this specification embodiment by third party device
The technical scheme of record, then third party device receives the payment request that Cash collecting equipment is sent, in addition, third party device also needs to
Trustworthy location collection corresponding with Send only Account mark is obtained from server and obtains gathering corresponding with collecting account mark
Orientation is put, and then the risk control to paying request is realized in the trustworthy location collection by getting and beneficiary position.
The risk control system provided by this specification embodiment, ask to carry out risk control to paying based on location dimension
System, can effectively be supplemented availability risk control program, realize polynary risk-control mechanism, lift risk control ability；
Simultaneously because in being paid under line there is the strong technical scheme for associating, being provided by this specification in both parties on geographical position,
The accuracy of risk control can be effectively lifted, and then improves the risk control power of air control system, can also ensure the place of transaction
Efficiency is managed, effectively lifts the payment experience of user.
Based on same inventive concept, Fig. 2 is that a kind of flow for risk control method that this specification embodiment provides is shown
It is intended to.Methods described can be with as follows.The executive agent of this specification embodiment can be Cash collecting equipment or service
Device, it can also be independently of other third party devices outside Cash collecting equipment, server, be not specifically limited here.
Step 201：Obtain and pay request, it is described to pay in request comprising Send only Account mark and collecting account mark.
In this specification embodiment, payment equipment used in reception user is under off-line state the payment sent please
Ask.
Such as：A commodity are have purchased under user is online, user is sent by used payment equipment to Cash collecting equipment
Payment request, the payment request can be sent in the case where the payment equipment is in presence, can also be at the payment equipment
Send under off-line state, be not specifically limited in this specification embodiment.
Assuming that payment request is sent in the case where payment equipment is in off-line state, then Cash collecting equipment can pass through barcode scanning work(
Payment request can be obtained, and the payment for carrying collecting account mark is asked by hair by the data channel between server
Give server.Payment request so comprising Send only Account mark and collecting account mark will be sent to server, by servicing
Device asks the payment to carry out risk control.
Step 203：According to the Send only Account identify, it is determined that with the corresponding trustworthy location of Send only Account mark.
Wherein, the trustworthy location is determined by the historical trading data of Send only Account corresponding to Send only Account mark
Transaction spot position.
In this specification embodiment, first, trustworthy location collection corresponding to the Send only Account mark is determined, it is described credible
Concentrate and include at least one trustworthy location in position.
The following detailed description of how determining trustworthy location collection.
Fig. 3 is a kind of schematic flow sheet of the method for the determination for trustworthy location collection that this specification embodiment provides.It is described
Method can be with as follows.
Identified for the different Send only Accounts, perform following operate respectively：
Step 301：Select one of them described Send only Account mark.
Step 303：Historical trading data corresponding to the Send only Account mark is determined, is included in the historical trading data
The position of transaction spot.
In this specification embodiment, the position of the transaction spot included in historical trading data can be by asynchronous chain
The mode of road transmission collects.
General user before transaction can used payment equipment (such as：Mobile terminal device) operation is performed, such as：
Payment code to be clicked on, clicks on and transfers accounts control etc., these can trigger the position of collection of server transaction spot, and by the position
Stored in the lump with caused transaction data.
Here the position of transaction spot includes but is not limited to：Gateway MAC address, the ship-to of user's offer, institute
State Send only Account mark and carry at least one of position of payment equipment positioning or a variety of.
Step 305：According to the position of the transaction spot included in the historical trading data, described pair of selection is generated
Trustworthy location collection corresponding to money account identification.
In this specification embodiment, for Client-initiated transaction data, server can to the transaction data whether
It is credible to be identified, also imply that and believable historical trading data is included in historical trading data, also gone through comprising incredible
History transaction data, then it is determined that during trustworthy location collection, believable historical trading data can be selected from historical trading data,
And position occurs for the transaction included in the believable historical trading data according to selection, generate corresponding to Send only Account mark
Trustworthy location collection.
More preferably, after trustworthy location collection is obtained, the trustworthy location included can be concentrated to handle trustworthy location, example
Such as：The bad position of credit record is deleted, to ensure that trustworthy location concentrates the confidence level of the trustworthy location included.
More preferably, after trustworthy location collection is obtained, methods described also includes：
Determine the confidence level of different trustworthy locations.
Here confidence level can make a distinction according to location type, can also be made a distinction according to position source, this
In be not specifically limited.As shown in table 1, the confidence level divided according to position source, wherein, the ship-to that user provides
Confidence level is higher than the confidence level by the gateway MAC MAC Address parsed；Pass through the gateway MAC MAC Address parsed
Confidence level carries the confidence level of the position of payment equipment positioning higher than Send only Account mark.
Table 1
| Confidence level | Trustworthy location |
| Confidence level 1 | The ship-to that user provides |
| Confidence level 2 | The MAC Address parsed by gateway MAC |
| Confidence level 3 | The Send only Account mark carries the position of payment equipment positioning |
Secondly, the trustworthy location that trustworthy location concentration includes is defined as corresponding with Send only Account mark
Trustworthy location.
Specifically, it is determined that the trustworthy location concentrates confidence level corresponding to the different trustworthy locations included；
The confidence level being met to, the trustworthy location of the confidence level of setting is defined as and the Send only Account mark
Trustworthy location corresponding to knowledge.
Step 205：Identified according to the collecting account, it is determined that beneficiary position corresponding with collecting account mark.
In this specification embodiment, it is determined that the mode of beneficiary position corresponding with collecting account mark include but
It is not limited to：
First way：
Extraction beneficiary position corresponding with collecting account mark, the beneficiary position in request are paid from described
Position to obtain when initiating the payment request.
Specifically, Cash collecting equipment can position current location or the address by Cash collecting equipment when initiating to pay request
Carry and be sent to risk control equipment in request is paid.
The second way：
Identified according to the collecting account, searched and the corresponding beneficiary of collecting account mark from location database
Position, the mapping relations between different collecting account marks and beneficiary position are included in the location database.
The following detailed description of how creating the location database.
Fig. 4 is a kind of schematic flow sheet of the creation method for location database that this specification embodiment provides.The side
Method can be with as follows.
Step 401：Historical trading data corresponding to collecting account mark different in the setting time cycle is obtained, it is described to go through
The position of transaction spot is included in history transaction data.
Step 403：Identified for different collecting accounts, perform following operate respectively：
Step 4032：Select one of them described collecting account mark.
Step 4034：Determine historical trading data corresponding to the collecting account mark of selection.
Specifically, the position that Cash collecting equipment can be collected under networking state with real-time report, such risk control equipment
The mapping relations that can be established between position and collecting account mark；Can also merchandise occur when position location, and by the position
Put carrying and risk control equipment is sent in transaction data.
Step 4036：According to the position of the transaction spot included in the historical trading data, cluster obtains selection
Beneficiary position corresponding to the collecting account mark.
More preferably, for same collecting account mark corresponding to beneficiary position, if it is two neighboring cluster the cycle obtain
To beneficiary position between relatively large deviation be present, then can determine that the collecting account is identified as suspicious account identification, that is, belong to
Incredible account identification, then it is sky to determine beneficiary position corresponding to collecting account mark.
Step 4038：The mapping relations established between the collecting account mark and the beneficiary position.
Step 405：After mapping relations corresponding to different collecting account marks are obtained, closed according to the mapping
System, creates the location database.
It should be noted that the sequencing requirement that step 203 and step 205 are not carried out in this specification embodiment,
Step 203 can be first carried out, then performs step 205；Step 205 can also be first carried out, then performs step 203；Can be with step
203 and step 205 perform parallel.
Step 207：According to the beneficiary position and the trustworthy location, request progress risk control is paid to described.
In this specification embodiment, first, determine that the position between the beneficiary position and the trustworthy location is closed
System.
Specifically, after beneficiary position and trustworthy location is obtained, if if position is not longitude and latitude, can be first to receiving
Money orientation is put to be converted with trustworthy location.Calculated for the position after conversion, calculate beneficiary position and trustworthy location
The distance between, and then the position relationship between beneficiary position and trustworthy location is determined according to distance.
In addition, after beneficiary position and trustworthy location is obtained, map data base is also based on, determines beneficiary position
Corresponding location point and determine location point corresponding to trustworthy location, according to defined location point, judge beneficiary position with can
Believe the position relationship between position.
More preferably, if the quantity of the trustworthy location is more than 1, for the different trustworthy locations, perform respectively：
One of them described trustworthy location is selected, and is determined between the trustworthy location of selection and the beneficiary position
Position relationship.
Secondly, according to the position relationship, request progress risk control is paid to described.
Specifically, if the position relationship meets the locality condition of setting, the payment request is handled；It is no
Then, determine that the payment request is insincere.
More preferably, if the quantity of the trustworthy location is more than 1, the different trustworthy locations and the beneficiary are being obtained
, please to the payment if at least one position relationship meets the locality condition of setting after position relationship between position
Ask and handled.
Here the locality condition set can be distance threshold, i.e., the distance between beneficiary position and trustworthy location are less than
Given threshold, determine that payment request is credible, then the payment can be asked to handle；Otherwise, it determines the payment is asked
It is insincere, further initiate other risk controls.
More preferably, if pay request is in off-line state transmission for payment equipment, then if it is determined that described pay request
It is insincere, then prompt message is sent, the prompt message is used to ask the payment equipment to carry out authentication online.
The technical scheme provided by this specification embodiment, obtaining comprising Send only Account mark and collecting account mark
Payment request after, according to the Send only Account identify, it is determined that with the corresponding trustworthy location of Send only Account mark；According to institute
Collecting account mark is stated, it is determined that beneficiary position corresponding with collecting account mark；According to the beneficiary position and institute
Trustworthy location is stated, request progress risk control is paid to described.So, ask to carry out risk control to paying by location dimension
System, can effectively be supplemented availability risk control program, realize polynary risk-control mechanism, lift risk control ability；
Simultaneously because in being paid under line there is the strong technical scheme for associating, being provided by this specification in both parties on geographical position,
The accuracy of risk control can be effectively lifted, and then improves the risk control power of air control system, can also ensure the place of transaction
Efficiency is managed, effectively lifts the payment experience of user.
Fig. 5 is a kind of structural representation for risk control equipment that this specification embodiment provides.The risk control is set
It is standby to include：Acquiring unit 501, determining unit 502 and processing unit 503, wherein：
Acquiring unit 501, obtain and pay request, it is described to pay in request comprising Send only Account mark and collecting account mark
Know；
Determining unit 502, according to the Send only Account identify, it is determined that with the corresponding trusted bit of Send only Account mark
Put, the transaction that the trustworthy location is determined by the historical trading data of Send only Account corresponding to Send only Account mark occurs
The position on ground；And identified according to the collecting account, it is determined that beneficiary position corresponding with collecting account mark；
Processing unit 503, according to the beneficiary position and the trustworthy location, request progress risk control is paid to described
System.
In another embodiment that this specification provides, the processing unit 503 is according to the beneficiary position and institute
Trustworthy location is stated, described pay is asked to carry out risk control, including：
Determine the position relationship between the beneficiary position and the trustworthy location；
According to the position relationship, request progress risk control is paid to described.
In another embodiment that this specification provides, the processing unit 503 is according to the position relationship, to described
Pay request and carry out risk control, including：
If the position relationship meets the locality condition of setting, the payment request is handled；Otherwise, it determines institute
It is insincere to state payment request.
In another embodiment that this specification provides, the processing unit 503 determines the beneficiary position and institute
The position relationship between trustworthy location is stated, including：
If the quantity of the trustworthy location is more than 1, for the different trustworthy locations, perform respectively：
One of them described trustworthy location is selected, and is determined between the trustworthy location of selection and the beneficiary position
Position relationship；
The processing unit pays request and carries out risk control according to the position relationship to described, including：
After the position relationship between the different trustworthy locations and the beneficiary position is obtained, if at least one institute
The locality condition that position relationship meets setting is stated, then the payment request is handled.
In another embodiment that this specification provides, the determining unit 502 identifies according to the collecting account, really
Fixed beneficiary position corresponding with collecting account mark, including：
Extraction beneficiary position corresponding with collecting account mark, the beneficiary position in request are paid from described
Position to obtain when initiating the payment request.
In another embodiment that this specification provides, the determining unit 502 identifies according to the collecting account, really
Fixed beneficiary position corresponding with collecting account mark, including：
Identified according to the collecting account, searched and the corresponding beneficiary of collecting account mark from location database
Position, the mapping relations between different collecting account marks and beneficiary position are included in the location database.
In another embodiment that this specification provides, the risk control equipment also includes：Creating unit 504, its
In, the creating unit 504, the location database is created, including：
Obtain historical trading data corresponding to collecting account mark different in the setting time cycle, the historical trading number
The position of transaction spot is included in；
Identified for different collecting accounts, perform following operate respectively：
One of them described collecting account mark is selected, and determines that history corresponding to the collecting account mark of selection is handed over
Easy data；
According to the position of the transaction spot included in the historical trading data, cluster obtains the gathering account of selection
Beneficiary position corresponding to the mark of family, and the mapping relations established between the collecting account mark and the beneficiary position；
After mapping relations corresponding to different collecting account marks are obtained, according to the mapping relations, institute is created
State location database.
In another embodiment that this specification provides, the determining unit 502 determines to identify with the Send only Account
Corresponding trustworthy location, including：
Trustworthy location collection corresponding to the Send only Account mark is determined, the trustworthy location is concentrated comprising at least one credible
Position；
By the trustworthy location concentrate the trustworthy location that includes be defined as it is corresponding with Send only Account mark can
Believe position.
In another embodiment that this specification provides, the determining unit 502 determines trustworthy location collection, including：
Identified for the different Send only Accounts, perform following operate respectively：
One of them described Send only Account mark is selected, and determines historical trading number corresponding to the Send only Account mark
According to, in the historical trading data comprising transaction spot position；
According to the position of the transaction spot included in the historical trading data, the Send only Account mark of selection is generated
Trustworthy location collection corresponding to knowledge.
In another embodiment that this specification provides, the trustworthy location is concentrated and included by the determining unit 502
The trustworthy location be defined as with the corresponding trustworthy location of Send only Account mark, including：
Determine that the trustworthy location concentrates confidence level corresponding to the different trustworthy locations included；
The confidence level being met to, the trustworthy location of the confidence level of setting is defined as and the Send only Account mark
Trustworthy location corresponding to knowledge.
In another embodiment that this specification provides, the trustworthy location includes gateway MAC address, user provides
Ship-to, Send only Account mark carry at least one of position of payment equipment positioning or a variety of.
In another embodiment that this specification provides, the acquiring unit 501, which obtains, pays request, including：
Payment equipment used in receiving user is under off-line state the payment request sent.
In another embodiment that this specification provides, the processing unit 503 pays request progress risk to described
Control, including：
If it is determined that the payment request is insincere, then sends prompt message, the prompt message is used to ask described pair
Money equipment on-line carries out authentication.
It should be noted that the risk control equipment that this specification embodiment provides can be realized by software mode,
It can be realized by hardware mode, be not specifically limited here.Risk control equipment is identified and received comprising Send only Account obtaining
After the payment request of money account identification, identified according to the Send only Account, it is determined that corresponding credible with Send only Account mark
Position；Identified according to the collecting account, it is determined that beneficiary position corresponding with collecting account mark；According to the gathering
Orientation put with the trustworthy location, to it is described pay request carry out risk control.So, by location dimension to payment ask into
Row risk control, availability risk control program can effectively be supplemented, realize polynary risk-control mechanism, lift risk control
Ability processed；Simultaneously because in being paid under line there is strong association, the skill provided by this specification in both parties on geographical position
Art scheme, the accuracy of risk control can be effectively lifted, and then improve the risk control power of air control system, can also ensure to hand over
Easy treatment effeciency, effectively lift the payment experience of user.
Based on same inventive concept, this specification embodiment provides a kind of risk control equipment, including：It is at least one
Memory and at least one processor, wherein, had program stored therein in the memory, and be configured by the computing device with
Lower step：
Obtain and pay request, it is described to pay in request comprising Send only Account mark and collecting account mark；
According to the Send only Account identify, it is determined that with the corresponding trustworthy location of Send only Account mark, the trusted bit
Put the position of the transaction spot determined by the historical trading data of Send only Account corresponding to Send only Account mark；
Identified according to the collecting account, it is determined that beneficiary position corresponding with collecting account mark；
According to the beneficiary position and the trustworthy location, request progress risk control is paid to described.
The specific implementation of described processor can use the embodiment party of above-mentioned record in this specification embodiment
Formula, no longer repeat one by one here.
In the 1990s, the improvement for a technology can clearly distinguish be on hardware improvement (for example,
Improvement to circuit structures such as diode, transistor, switches) or software on improvement (improvement for method flow).So
And as the development of technology, the improvement of current many method flows can be considered as directly improving for hardware circuit.
Designer nearly all obtains corresponding hardware circuit by the way that improved method flow is programmed into hardware circuit.Cause
This, it cannot be said that the improvement of a method flow cannot be realized with hardware entities module.For example, PLD
(Programmable Logic Device, PLD) (such as field programmable gate array (Field Programmable Gate
Array, FPGA)) it is exactly such a integrated circuit, its logic function is determined by user to device programming.By designer
Voluntarily programming comes a digital display circuit " integrated " on a piece of PLD, without asking chip maker to design and make
Special IC chip.Moreover, nowadays, substitution manually makes IC chip, this programming is also used instead mostly " patrols
Volume compiler (logic compiler) " software realizes that software compiler used is similar when it writes with program development,
And the source code before compiling also write by handy specific programming language, this is referred to as hardware description language
(Hardware Description Language, HDL), and HDL is also not only a kind of, but have many kinds, such as ABEL
(Advanced Boolean Expression Language)、AHDL(Altera Hardware Description
Language)、Confluence、CUPL(Cornell University Programming Language)、HDCal、JHDL
(Java Hardware Description Language)、Lava、Lola、MyHDL、PALASM、RHDL(Ruby
Hardware Description Language) etc., VHDL (Very-High-Speed are most generally used at present
Integrated Circuit Hardware Description Language) and Verilog.Those skilled in the art also should
This understands, it is only necessary to method flow slightly programming in logic and is programmed into integrated circuit with above-mentioned several hardware description languages,
Can is readily available the hardware circuit for realizing the logical method flow.
Controller can be implemented in any suitable manner, for example, controller can take such as microprocessor or processing
Device and storage can by the computer of the computer readable program code (such as software or firmware) of (micro-) computing device
Read medium, gate, switch, application specific integrated circuit (Application Specific Integrated Circuit,
ASIC), the form of programmable logic controller (PLC) and embedded microcontroller, the example of controller include but is not limited to following microcontroller
Device：ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20 and Silicone Labs C8051F320, are deposited
Memory controller is also implemented as a part for the control logic of memory.It is also known in the art that except with
Pure computer readable program code mode realized beyond controller, completely can be by the way that method and step is carried out into programming in logic to make
Controller is obtained in the form of gate, switch, application specific integrated circuit, programmable logic controller (PLC) and embedded microcontroller etc. to come in fact
Existing identical function.Therefore this controller is considered a kind of hardware component, and various for realizing to including in it
The device of function can also be considered as the structure in hardware component.Or even, can be by for realizing that the device of various functions regards
For that not only can be the software module of implementation method but also can be the structure in hardware component.
System, device, module or the unit that above-described embodiment illustrates, it can specifically be realized by computer chip or entity,
Or realized by the product with certain function.One kind typically realizes that equipment is computer.Specifically, computer for example may be used
Think personal computer, laptop computer, cell phone, camera phone, smart phone, personal digital assistant, media play
It is any in device, navigation equipment, electronic mail equipment, game console, tablet PC, wearable device or these equipment
The combination of equipment.
For convenience of description, it is divided into various units during description apparatus above with function to describe respectively.Certainly, this is being implemented
The function of each unit can be realized in same or multiple softwares and/or hardware during specification.
It should be understood by those skilled in the art that, embodiments of the invention can be provided as method, system or computer program
Product.Therefore, the present invention can use the reality in terms of complete hardware embodiment, complete software embodiment or combination software and hardware
Apply the form of example.Moreover, the present invention can use the computer for wherein including computer usable program code in one or more
The computer program production that usable storage medium is implemented on (including but is not limited to magnetic disk storage, CD-ROM, optical memory etc.)
The form of product.
The present invention is the flow with reference to method according to embodiments of the present invention, equipment (system) and computer program product
Figure and/or block diagram describe.It should be understood that can be by every first-class in computer program instructions implementation process figure and/or block diagram
Journey and/or the flow in square frame and flow chart and/or block diagram and/or the combination of square frame.These computer programs can be provided
The processors of all-purpose computer, special-purpose computer, Embedded Processor or other programmable data processing devices is instructed to produce
A raw machine so that produced by the instruction of computer or the computing device of other programmable data processing devices for real
The device for the function of being specified in present one flow of flow chart or one square frame of multiple flows and/or block diagram or multiple square frames.
These computer program instructions, which may be alternatively stored in, can guide computer or other programmable data processing devices with spy
Determine in the computer-readable memory that mode works so that the instruction being stored in the computer-readable memory, which produces, to be included referring to
Make the manufacture of device, the command device realize in one flow of flow chart or multiple flows and/or one square frame of block diagram or
The function of being specified in multiple square frames.
These computer program instructions can be also loaded into computer or other programmable data processing devices so that counted
Series of operation steps is performed on calculation machine or other programmable devices to produce computer implemented processing, so as in computer or
The instruction performed on other programmable devices is provided for realizing in one flow of flow chart or multiple flows and/or block diagram one
The step of function of being specified in individual square frame or multiple square frames.
In a typical configuration, computing device includes one or more processors (CPU), input/output interface, net
Network interface and internal memory.
Internal memory may include computer-readable medium in volatile memory, random access memory (RAM) and/or
The forms such as Nonvolatile memory, such as read-only storage (ROM) or flash memory (flash RAM).Internal memory is computer-readable medium
Example.
Computer-readable medium includes permanent and non-permanent, removable and non-removable media can be by any method
Or technology come realize information store.Information can be computer-readable instruction, data structure, the module of program or other data.
The example of the storage medium of computer includes, but are not limited to phase transition internal memory (PRAM), static RAM (SRAM), moved
State random access memory (DRAM), other kinds of random access memory (RAM), read-only storage (ROM), electric erasable
Programmable read only memory (EEPROM), fast flash memory bank or other memory techniques, read-only optical disc read-only storage (CD-ROM),
Digital versatile disc (DVD) or other optical storages, magnetic cassette tape, the storage of tape magnetic rigid disk or other magnetic storage apparatus
Or any other non-transmission medium, the information that can be accessed by a computing device available for storage.Define, calculate according to herein
Machine computer-readable recording medium does not include temporary computer readable media (transitory media), such as data-signal and carrier wave of modulation.
It should also be noted that, term " comprising ", "comprising" or its any other variant are intended to nonexcludability
Comprising so that process, method, commodity or equipment including a series of elements not only include those key elements, but also wrapping
Include the other element being not expressly set out, or also include for this process, method, commodity or equipment intrinsic want
Element.In the absence of more restrictions, the key element limited by sentence "including a ...", it is not excluded that wanted including described
Other identical element also be present in the process of element, method, commodity or equipment.
This specification can be described in the general context of computer executable instructions, such as journey
Sequence module.Usually, program module include performing particular task or realize the routine of particular abstract data type, program, object,
Component, data structure etc..This specification can also be put into practice in a distributed computing environment, in these DCEs
In, by performing task by communication network and connected remote processing devices.In a distributed computing environment, program module
It can be located in the local and remote computer-readable storage medium including storage device.
Each embodiment in this specification is described by the way of progressive, identical similar portion between each embodiment
Divide mutually referring to what each embodiment stressed is the difference with other embodiment.It is real especially for system
For applying example, because it is substantially similar to embodiment of the method, so description is fairly simple, related part is referring to embodiment of the method
Part explanation.
The embodiment of this specification is the foregoing is only, is not limited to this specification.For art technology
For personnel, this specification can have various modifications and variations.It is all this specification spirit and principle within made it is any
Modification, equivalent substitution, improvement etc., should be included within the right of this specification.
Claims (27)
1. a kind of risk control method, including：
Obtain and pay request, it is described to pay in request comprising Send only Account mark and collecting account mark；
Identified according to the Send only Account, it is determined that with the corresponding trustworthy location of Send only Account mark, the trustworthy location is led to
Cross the position of the transaction spot of the historical trading data determination of Send only Account corresponding to the Send only Account mark；
Identified according to the collecting account, it is determined that beneficiary position corresponding with collecting account mark；
According to the beneficiary position and the trustworthy location, request progress risk control is paid to described.
2. risk control method according to claim 1, according to the beneficiary position and the trustworthy location, to described
Pay request and carry out risk control, including：
Determine the position relationship between the beneficiary position and the trustworthy location；
According to the position relationship, request progress risk control is paid to described.
3. risk control method according to claim 2, according to the position relationship, request progress risk is paid to described
Control, including：
If the position relationship meets the locality condition of setting, the payment request is handled；Otherwise, it determines the branch
It is insincere to pay request.
4. risk control method according to claim 2, determine between the beneficiary position and the trustworthy location
Position relationship, including：
If the quantity of the trustworthy location is more than 1, for the different trustworthy locations, perform respectively：
One of them described trustworthy location is selected, and determines the position between the trustworthy location of selection and the beneficiary position
Put relation；
According to the position relationship, described pay is asked to carry out risk control, including：
After the position relationship between the different trustworthy locations and the beneficiary position is obtained, if at least one institute's rheme
The locality condition that relation meets setting is put, then the payment request is handled.
5. risk control method according to claim 1, identified according to the collecting account, it is determined that with the collecting account
Beneficiary position corresponding to mark, including：
Pay corresponding with the collecting account mark beneficiary position of extraction in request from described, the beneficiary position for
Initiate described pay and position what is obtained when asking.
6. risk control method according to claim 1, identified according to the collecting account, it is determined that with the collecting account
Beneficiary position corresponding to mark, including：
Identified according to the collecting account, gathering orientation corresponding with collecting account mark is searched from location database
Put, the mapping relations between different collecting account marks and beneficiary position are included in the location database.
7. risk control method according to claim 6, the location database is created, including：
Historical trading data corresponding to different collecting account marks in the setting time cycle is obtained, in the historical trading data
Include the position of transaction spot；
Identified for different collecting accounts, perform following operate respectively：
One of them described collecting account mark is selected, and determines historical trading number corresponding to the collecting account mark of selection
According to；
According to the position of the transaction spot included in the historical trading data, cluster obtains the collecting account mark of selection
Beneficiary position corresponding to knowledge, and the mapping relations established between the collecting account mark and the beneficiary position；
After mapping relations corresponding to different collecting account marks are obtained, according to the mapping relations, institute's rheme is created
Put database.
8. risk control method according to claim 1, it is determined that with the corresponding trustworthy location of Send only Account mark, wrap
Include：
Trustworthy location collection corresponding to the Send only Account mark is determined, the trustworthy location is concentrated and includes at least one trusted bit
Put；
The trustworthy location included is concentrated to be defined as and Send only Account mark corresponding trusted bit the trustworthy location
Put.
9. risk control method according to claim 8, trustworthy location collection is determined, including：
Identified for the different Send only Accounts, perform following operate respectively：
One of them described Send only Account mark is selected, and determines historical trading data corresponding to the Send only Account mark, institute
State the position that transaction spot is included in historical trading data；
According to included in the historical trading data transaction spot position, generate selection the Send only Account mark pair
The trustworthy location collection answered.
10. risk control method according to claim 8, the trustworthy location is concentrated the trustworthy location included true
Be set to the corresponding trustworthy location of Send only Account mark, including：
Determine that the trustworthy location concentrates confidence level corresponding to the different trustworthy locations included；
The confidence level being met to, the trustworthy location of the confidence level of setting is defined as and Send only Account mark pair
The trustworthy location answered.
11. the risk control method according to claim 1 or 10, the trustworthy location includes gateway MAC address, Yong Huti
The ship-to of confession, Send only Account mark carry at least one of position of payment equipment positioning or a variety of.
12. risk control method according to claim 1, obtain and pay request, including：
Payment equipment used in receiving user is under off-line state the payment request sent.
13. risk control method according to claim 12, described pay is asked to carry out risk control, including：
If it is determined that the payment request is insincere, then sends prompt message, the prompt message is used to ask the payment to set
Standby online progress authentication.
14. a kind of risk control equipment, including：
Acquiring unit, obtain and pay request, it is described to pay in request comprising Send only Account mark and collecting account mark；
Determining unit, according to the Send only Account identify, it is determined that with the corresponding trustworthy location of Send only Account mark, it is described can
Believe the position for the transaction spot that position is determined by the historical trading data of Send only Account corresponding to Send only Account mark；
And identified according to the collecting account, it is determined that beneficiary position corresponding with collecting account mark；
Processing unit, according to the beneficiary position and the trustworthy location, request progress risk control is paid to described.
15. risk control equipment according to claim 14, the processing unit is according to the beneficiary position and described
Trustworthy location, described pay is asked to carry out risk control, including：
Determine the position relationship between the beneficiary position and the trustworthy location；
According to the position relationship, request progress risk control is paid to described.
16. risk control equipment according to claim 15, the processing unit is according to the position relationship, to the branch
Pay request and carry out risk control, including：
If the position relationship meets the locality condition of setting, the payment request is handled；Otherwise, it determines the branch
It is insincere to pay request.
17. risk control equipment according to claim 15, the processing unit determine the beneficiary position with it is described
Position relationship between trustworthy location, including：
If the quantity of the trustworthy location is more than 1, for the different trustworthy locations, perform respectively：
One of them described trustworthy location is selected, and determines the position between the trustworthy location of selection and the beneficiary position
Put relation；
The processing unit pays request and carries out risk control according to the position relationship to described, including：
After the position relationship between the different trustworthy locations and the beneficiary position is obtained, if at least one institute's rheme
The locality condition that relation meets setting is put, then the payment request is handled.
18. risk control equipment according to claim 14, the determining unit identify according to the collecting account, it is determined that
Beneficiary position corresponding with collecting account mark, including：
Pay corresponding with the collecting account mark beneficiary position of extraction in request from described, the beneficiary position for
Initiate described pay and position what is obtained when asking.
19. risk control equipment according to claim 14, the determining unit identify according to the collecting account, it is determined that
Beneficiary position corresponding with collecting account mark, including：
Identified according to the collecting account, gathering orientation corresponding with collecting account mark is searched from location database
Put, the mapping relations between different collecting account marks and beneficiary position are included in the location database.
20. risk control equipment according to claim 19, the risk control equipment also includes：Creating unit, wherein,
The creating unit, the location database is created, including：
Historical trading data corresponding to different collecting account marks in the setting time cycle is obtained, in the historical trading data
Include the position of transaction spot；
Identified for different collecting accounts, perform following operate respectively：
One of them described collecting account mark is selected, and determines historical trading number corresponding to the collecting account mark of selection
According to；
According to the position of the transaction spot included in the historical trading data, cluster obtains the collecting account mark of selection
Beneficiary position corresponding to knowledge, and the mapping relations established between the collecting account mark and the beneficiary position；
After mapping relations corresponding to different collecting account marks are obtained, according to the mapping relations, institute's rheme is created
Put database.
21. risk control equipment according to claim 14, the determining unit determines and Send only Account mark pair
The trustworthy location answered, including：
Trustworthy location collection corresponding to the Send only Account mark is determined, the trustworthy location is concentrated and includes at least one trusted bit
Put；
The trustworthy location included is concentrated to be defined as and Send only Account mark corresponding trusted bit the trustworthy location
Put.
22. risk control equipment according to claim 21, the determining unit determines trustworthy location collection, including：
Identified for the different Send only Accounts, perform following operate respectively：
One of them described Send only Account mark is selected, and determines historical trading data corresponding to the Send only Account mark, institute
State the position that transaction spot is included in historical trading data；
According to included in the historical trading data transaction spot position, generate selection the Send only Account mark pair
The trustworthy location collection answered.
23. risk control equipment according to claim 21, the trustworthy location is concentrated what is included by the determining unit
The trustworthy location be defined as with the corresponding trustworthy location of Send only Account mark, including：
Determine that the trustworthy location concentrates confidence level corresponding to the different trustworthy locations included；
The confidence level being met to, the trustworthy location of the confidence level of setting is defined as and Send only Account mark pair
The trustworthy location answered.
24. the risk control equipment according to claim 14 or 23, the trustworthy location includes gateway MAC address, user
The ship-to of offer, Send only Account mark carry at least one of position of payment equipment positioning or a variety of.
25. risk control equipment according to claim 14, the acquiring unit, which obtains, pays request, including：
Payment equipment used in receiving user is under off-line state the payment request sent.
26. risk control equipment according to claim 25, the processing unit pays request progress risk control to described
System, including：
If it is determined that the payment request is insincere, then sends prompt message, the prompt message is used to ask the payment to set
Standby online progress authentication.
27. a kind of risk control equipment, including：At least one memory and at least one processor, wherein, in the memory
Have program stored therein, and be configured by the computing device following steps：
Obtain and pay request, it is described to pay in request comprising Send only Account mark and collecting account mark；
Identified according to the Send only Account, it is determined that with the corresponding trustworthy location of Send only Account mark, the trustworthy location is led to
Cross the position of the transaction spot of the historical trading data determination of Send only Account corresponding to the Send only Account mark；
Identified according to the collecting account, it is determined that beneficiary position corresponding with collecting account mark；
According to the beneficiary position and the trustworthy location, request progress risk control is paid to described.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710671707.9A CN107578238A (en) | 2017-08-08 | 2017-08-08 | A kind of risk control method and equipment |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710671707.9A CN107578238A (en) | 2017-08-08 | 2017-08-08 | A kind of risk control method and equipment |
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| CN107578238A true CN107578238A (en) | 2018-01-12 |
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| CN201710671707.9A Pending CN107578238A (en) | 2017-08-08 | 2017-08-08 | A kind of risk control method and equipment |
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