CN108288160A - Method of payment and system based on credit evaluation guarantee - Google Patents
Method of payment and system based on credit evaluation guarantee Download PDFInfo
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- CN108288160A CN108288160A CN201710015382.9A CN201710015382A CN108288160A CN 108288160 A CN108288160 A CN 108288160A CN 201710015382 A CN201710015382 A CN 201710015382A CN 108288160 A CN108288160 A CN 108288160A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
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- Engineering & Computer Science (AREA)
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Abstract
This disclosure relates to method of payment and system based on credit evaluation guarantee.A kind of method of payment assured based on credit evaluation is provided, including：When user initiates the first transaction by mobile device at the terminal of the first trade company, the terminal of the first trade company acquires the information of the identity about user, and identity information includes at least one in following items：Subscriber identity information, mobile payment provider information, the ID of mobile device for carrying out payment verification, the mobile operator relevant informations belonging to mobile device；When user seeks the second transaction again by mobile device to the second trade company, the terminal of second trade company matches the information currently acquired with the identity information of user, if the information currently acquired is matched with the identity information of user, judge that this time transaction is believable；And if transaction be judged as it is credible, to third party's intermediate account send trading instruction, complete for the secondary transaction delivery operation.
Description
Technical field
This disclosure relates to big data field；More particularly, to a kind of method of payment based on credit evaluation guarantee and it is
System.
Background technology
Currently, many authentications, authorization and accounting (AAA) method transaction with credit pattern have had been incorporated into third party's credit
Assessment system, however the confidence level of third party's data is difficult to ensure.Meanwhile current consumption ensures the money for being only limitted to online transaction
For gold temporarily to freeze, consumer sale behavior is mostly between individual and trade company, between less research individual and a human world and trade company and trade company
Various dimensions transaction with credit.Therefore, there is an urgent need to have the transaction system of stronger safety guarantee and method.
Invention content
(the quotient alliance ecosphere that commmunication company completely newly builds, hereinafter referred to as transaction with credit are flat in transaction with credit platform for the disclosure
Platform) in credit evaluation be basic resource, provide the trading environment of diversification to the user, and third party's account is provided for transaction payment
Family is settled accounts, and is provided and is ensured service after sale, can be greatlyd improve consumer and the ecosphere be merchandised and is radiated to entire society's friendship
Easy confidence optimizes 020 consumption experience.
According to one aspect of the disclosure, a kind of method of payment assured based on credit evaluation is provided, including：Work as user
When initiating at the terminal of the first trade company the first transaction by mobile device, the terminal of the first trade company acquires the identity about user
Information, identity information include in following items at least one of：Subscriber identity information, is propped up at mobile payment provider information
Pay the mobile operator relevant informations belonging to the ID of mobile device of verification, mobile device；When user is again by mobile device
When seeking the second transaction to the second trade company, the terminal of the second trade company carries out the identity information of the information currently acquired and user
Match, if the information currently acquired is matched with the identity information of user, judges that this time transaction is believable；And if transaction
Be judged as it is credible, then to third party's intermediate account send trading instruction, complete for the secondary transaction delivery operation.
According to one aspect of the disclosure, a kind of payment system assured based on credit evaluation is provided, including：Collect mould
Block, collection module are configured as：When user initiates transaction by mobile device at the terminal of the first trade company, the first trade company
Terminal acquires the information of the identity about user, and identity information includes at least one in following items：Subscriber identity information, movement
Pay provider information, the ID for the mobile device for carrying out payment verification, the mobile operator relevant informations belonging to mobile device；It tests
Module is demonstrate,proved, authentication module is configured as when user seeks transaction again by mobile device to the second trade company, the second trade company
Terminal matches the information currently acquired with the identity information of user, if the identity letter of the information and user that currently acquire
Breath matching then judges that this time transaction is believable；And transaction modules, if transaction modules are configured as transaction, be judged as can
Letter then sends trading instruction to third party's intermediate account, completes the delivery operation for the secondary transaction.
According to the another aspect of the disclosure, a kind of method of use according to the system of the disclosure is provided, wherein when
When user's application is for the compensation merchandised, determine whether transaction meets pre-stored compensation Protocol Standard using authentication module
It is accurate, if it is determined that the second transaction meets pre-stored compensation consensus standard, then permits retracting the amount of money that the second transaction is related to
The account of user.
The method of payment and system assured based on credit evaluation are provided based on big data according to the application.Depending on implementing
Example, can also obtain one or more benefits.It can be apparent from this of the present invention with reference to following detailed description and drawings
A little benefits and each other objects, features and advantages.
Description of the drawings
In the following, by the feature, advantage and technique effect of exemplary embodiment of the present invention are described in conjunction with attached drawing, it is attached
Similar reference numeral indicates similar element in figure, wherein：
Fig. 1 shows the exemplary block diagram of compensation system that is according to an embodiment of the present disclosure, being assured based on credit evaluation.
Fig. 2 shows the exemplary detailed diagrams of assessment processing server according to an embodiment of the present disclosure, Fig. 1.
Fig. 3 shows the stream of the illustrative methods of payment that is according to an embodiment of the present disclosure, assuring based on credit evaluation
Cheng Tu.
Fig. 4 shows the frame of the exemplary system of payment that is according to an embodiment of the present disclosure, assuring based on credit evaluation
Figure.
Specific implementation mode
The feature and exemplary embodiment of various aspects of the invention is described more fully below.In following detailed description
In, it is proposed that many details, in order to provide complete understanding of the present invention.But to those skilled in the art
It will be apparent that the present invention can be implemented in the case of some details in not needing these details.Below to implementing
The description of example is just for the sake of by showing that the example of the present invention is better understood from the present invention to provide.The present invention never limits
In any concrete configuration set forth below and algorithm, but cover under the premise of without departing from the spirit of the present invention element,
Any modification, replacement and the improvement of component and algorithm.In the the accompanying drawings and the following description, well known structure and skill is not shown
Art is unnecessary fuzzy to avoid causing the present invention.
Fig. 1 shows the exemplary block diagram of compensation system that is according to an embodiment of the present disclosure, being assured based on credit evaluation.
Platform 114 include Service Process Server 122, server 121, consumer protection's service system 113 and credit evaluation processing clothes
Business device 123 (metadata of credit evaluation processing server is from mobile own data and main strategies data), based on existing
Network transaction service processing mode, it is new that consumer protection's service system 113 and credit evaluating service device 123 is added, it is handed over for network
Easily service provides transaction and ensures.The type of service accepted is handled by Service Process Server 122.The assessment of credit is by credit
Evaluating server 123 is handled.
The construction and operation principle of consumer protection service system 113 of the lower mask body introduction based on network trading.It please join
See upper figure, is a kind of consumer protection's service system structural map based on O2O service transactings, including ensure service managing unit
104, agreement masterplate storage unit 105, complaint unit 103, the golden administrative unit 112 of compensation and seller's agreement storage unit 107.Its
In, consumer protection's service managing unit 104 is connected to network 111 and is connected with agreement masterplate storage unit 105, seller's agreement
Storage unit 107 is connected with service managing unit 104 is ensured, complains unit 103 and seller's agreement storage unit 107 and network
111 are connected, and compensate golden administrative unit 112 and are connected with unit 103 is complained.
Storage has the masterplate data of various consumer protection's service agreements, agreement masterplate in agreement masterplate storage unit 105
The format of markup language may be used to be stored in data, such as XML text chunks.These agreements are according to different consumers
It ensures service type to set, wherein consumer protection's service type includes but not limited to " quickly compensating ", " insurance benefits "
Deng.The primary and foremost purpose for formulating agreement is the equity of Logistics networks consumer, and secondly the normalization of agreement is more conducive to ensure clothes
The processing speed of business is promoted, for example " quickly compensating " service refers to if transaction causes buy-side client damage of the rights and interests, buyer to be had the right
It is initiated to transaction with credit platform for seller client end according to " quickly compensating " service regulation in certain time after merchandising successfully
102 complaint proposes to compensate application according to the compensation boundary for compensating service regulation.
Fig. 2 shows the exemplary detailed diagrams of assessment processing server according to an embodiment of the present disclosure, Fig. 1.Fig. 2
In, credit rating storage element 125 is a subelement in credit evaluating service device 123, is responsible for storage and passes through assessment system
Data that treated, which provides the compensation standard management for compensating potential user group for the service of guarantee, with different type row
Industry is dimension, is processed, analyzes and is modeled using existing mobile user data, and a set of compensation target is provided to each industry
The standard of user group, for credit, good buyer provides more good services, prevents caused by malice buyer abuses the service system
Trade company's credit is impaired.
Carry out the operation workflow of simulation system by taking " quickly compensating " service as an example, buy-side client end 101 can be to transaction with credit
Platform propose complain premise be merchandised service must be ensure service (signing has the service of consumer protection's agreement, with
Lower abbreviation ensures service), i.e. the previously warp-wise transaction with credit of the seller client end 102 platform application service of " quickly compensating ".
When service " is quickly compensated " in application, seller client end 102 is according to the protocol information issued on transaction with credit platform
Understand the content of various consumer protection's services, then needs selection " quickly to compensate " service according to itself, and pass through network
111, to the transmission application information of service managing unit 104 is ensured, after receiving application information, ensure service managing unit 104 from agreement
The model agreement data of " quickly compensating " are recalled in masterplate storage unit 105, and compensation is recalled from credit rating storage element
The standard of potential user group is paid, one is formed and combines service agreement template and compensate dynamic protocol (dynamic of ownership goal group
Agreement is checked in front end for buyer, hereinafter referred to as " quickly compensates dynamic protocol "), and the seller is sent to by network 111
Client 102.Seller client end 102 agrees to after quickly compensating dynamic protocol content, by the commodity of itself data and sale and
Information on services is fed back to again together ensures service managing unit 104.After ensureing that service managing unit 104 receives information, by the seller
The data of client 102, " quickly compensating dynamic protocol " clause data of its service sold, commodity and its selection are deposited together
Enter in seller's agreement storage unit 107 (markup language, such as XML may be used in storage format).Meanwhile compensating golden administrative unit
112 send out the information for submitting guarantee fund by network 111 to seller client end 102, and wherein the amount of money of guarantee fund is by seller client
The range and specific commodity, service that end 102 to be managed determine.After seller client end 102 receives guarantee fund's submission information, it will protect
In card gold deposit vendor account 109.So far, the application process for just completing " quickly compensating " service, ensures service managing unit
104 can be added the mark of " quickly compensating " service in commodity release news.Wherein, it ensures service managing unit 104, compensate
The work of golden administrative unit 112 can be completed by software control.
After above-mentioned signing has the transaction success of " quickly compensating " service, if buyer occurs " quickly compensating dynamic when consuming
The problem and meet consensus standard in state agreement ", such as quality problems, the service provided and online description are not inconsistent.This
When buy-side client end 101 complaint can be sent out to transaction with credit platform, and apply compensating.The compensation that buy-side client end 101 is sent out
It pays to generally require statement compensation reason in application and submit and compensates evidence.After complaining unit 103 to receive calling information, first
The data of the related protocol data and its seller client end 102 of complaining commodity is recalled from seller's agreement storage unit 107, so
It is compared afterwards with evidence in conjunction with complaint reason and judges whether complaint is true.Being treated journey to complaint content can be by credit
The staff of transaction platform customer service completes.If compensating the area covered by agreement that application meets " indemnitying in advance ", golden management is compensated
Unit 112 " will quickly compensate " amount of money as defined in agreement and will be transferred in buyer account 108 from seller account 109, just complete in this way
Compensation process.
In the present embodiment, seller client end 102 has submitted Membership Fee or guarantee to transaction with credit platform first before transaction
The fund for risk guarantee such as gold, and " quickly compensating " service is added, therefore even if there are quality problems after transaction, buy
Square client 101 can also be compensated (the guarantor that the source of compensation gold can be paid by trade company from golden administrative unit 112 is compensated
Demonstrate,prove gold, Membership Fee, the third parties risks compensation mechanism of introducing, insurance products etc.), it has ensured the equity of consumer online, has overcome
Existing network trading after sale ensures the incomplete problem of service.
Fig. 3 shows the illustrative methods 300 of payment that is according to an embodiment of the present disclosure, assuring based on credit evaluation
Flow chart.
Method 300 starts from walking, and 301.In step 301, when user is sent out by mobile device at the terminal of the first trade company
When playing the first transaction, the terminal of first trade company acquires the information of the identity about the user, and the identity information includes
At least one of in following items：Subscriber identity information, mobile payment provider information, the mobile device for carrying out payment verification
Mobile operator relevant informations belonging to ID, the mobile device；
In step 302, when user seeks the second transaction again by the mobile device to the second trade company, described second
The terminal of trade company matches the information currently acquired with the identity information of the user, if the information currently acquired and institute
The identity information matching for stating user then judges that this time transaction is believable.
In step 303, if transaction is judged as credible, trading instruction is sent to third party's intermediate account, completes needle
Delivery operation to the secondary transaction.
According to one embodiment, if transaction is judged as incredible, bound to user card punching transaction bank card
Cell-phone number send short message, inquire whether the transaction normal, if user by cell-phone number reply transaction normal information, then transaction after
Continuous follow-up process.If user's reply transaction is abnormal, then the transaction is prevented.
Fig. 4 shows the exemplary system 400 of payment that is according to an embodiment of the present disclosure, assuring based on credit evaluation
Block diagram.System 400 includes collection module 410, authentication module 420 and transaction modules 430.
Collection module 410 is configured as：When user initiates transaction by mobile device at the terminal of the first trade company, institute
Information of the terminal acquisition of the first trade company about the identity of the user is stated, the identity information includes at least one in following items
：Subscriber identity information, mobile payment provider information, the ID of the mobile device of progress payment verification, mobile device institute
The mobile operator relevant informations of category；
Authentication module 420 is configured as when user seeks transaction again by the mobile device to the second trade company, institute
The terminal for stating the second trade company matches the information currently acquired with the identity information of the user, if the letter currently acquired
Breath is matched with the identity information of the user, then judges that this time transaction is believable.
If transaction modules 430 be configured as transaction be judged as it is credible, to third party's intermediate account send transaction refer to
It enables, completes the delivery operation for the secondary transaction.
As described above, there are many realization methods for merchant terminal, can carry out Function Extension and increasing using existing POS machine
By force, it is the module with broadband access ability such as to enhance communication unit, and display unit is extended to and is suitble to the aobvious of display picture
Display screen, at the same by main control software upgrade etc..Can also utilize the existing commercial intelligent terminal in market with unification have printing,
The peripheral hardwares of magnetic stripe read functions is realized.
The element of the present invention can be implemented as hardware, software, firmware or combination thereof.It is realized when with software mode
When, element of the invention is used to execute the program or code segment of required task.Program or code segment can be stored in
In machine readable media, either sent in transmission medium or communication links by the data-signal carried in carrier wave.
" one embodiment " is mentioned above, it should be understood, however, that the feature referred in various embodiments might not
The embodiment is can be only applied to, but is possibly used for other embodiment or is applied in combination with other embodiment.
Above some specific examples according to the present invention are described by reference to attached drawing.But the present invention be not intended to by
To the limitation of any concrete configuration and process described in above-described embodiment.System mentioned herein, method, chart, electricity
It is statement of the present invention that road, which is realized, and listed example is only the applicating example of the present invention, does not represent that present invention is limited only to this
Class application example.Within the scope of the spirit of the present invention, those skilled in the art are able to recognize that above-mentioned configuration, algorithm, behaviour
Make the various replacements with process, be altered or modified.
Claims (10)
1. a kind of method of payment based on credit evaluation guarantee, including：
When user initiates the first transaction by mobile device at the terminal of the first trade company, the terminal acquisition of first trade company
The information of identity about the user, the identity information include at least one in following items：Subscriber identity information, movement
Pay provider information, the ID for the mobile device for carrying out payment verification, the mobile operator correlations letter belonging to the mobile device
Breath；
When user seeks the second transaction again by the mobile device to the second trade company, the terminal of second trade company will be worked as
The information of preceding acquisition is matched with the identity information of the user, if the information currently acquired and the identity of the user are believed
Breath matching then judges that this time transaction is believable；And
If merchandising, it is credible to be judged as, trading instruction is sent to third party's intermediate account, completes the branch for the secondary transaction
Pay operation.
2. the method as described in claim 1, wherein the information currently acquired is matched with the identity information of the user
Further include：It is based at least partially on the mobile operator relevant informations belonging to the mobile device to determine that reliability scores, such as
The reliability scoring of fruit transaction is higher than predetermined reliability thresholds, then judges that this time transaction is believable.
3. method as claimed in claim 2, wherein the mobile operator relevant informations belonging to the mobile device include following
At least one of in：The historical trading verification information of the mobile device, the mobile device present communications via base
Station location information, the hardware ID with the mobile device of mobile operator number bindings.
4. the method as described in claim 1 further includes before the credibility of judgement transaction：Collect second trade company
Historical transactional information, and the historical transactional information for being based at least partially on second trade company judges setting for the second user
Reliability prevents the transaction if the confidence level of the second user is less than scheduled confidence threshold value.
5. a kind of payment system based on credit evaluation guarantee, including：
Collection module, the collection module are configured as：When user initiates friendship by mobile device at the terminal of the first trade company
Yi Shi, the terminal of first trade company acquire the information of the identity about the user, and the identity information includes in following items
At least one of：Subscriber identity information, mobile payment provider information, the ID of the mobile device of progress payment verification, the shifting
Mobile operator relevant informations belonging to dynamic equipment；
Authentication module, the authentication module are configured as seeking to merchandise to the second trade company again by the mobile device as user
When, the terminal of second trade company matches the information currently acquired with the identity information of the user, if currently adopted
The information of collection is matched with the identity information of the user, then judges that this time transaction is believable；And
Transaction modules, if the transaction modules be configured as transaction be judged as it is credible, to third party's intermediate account send
The delivery operation for the secondary transaction is completed in trading instruction.
6. system as claimed in claim 5, wherein the authentication module is additionally configured to：It is based at least partially on the movement
Mobile operator relevant informations belonging to equipment determine that reliability scores, if the reliability scoring of transaction is reliable higher than predetermined
Property threshold value, then judge this time transaction be it is believable.
7. system as claimed in claim 6, wherein the mobile operator relevant informations belonging to the mobile device include following
At least one of in：The historical trading verification information of the mobile device, the mobile device present communications via base
Station location information, the mobile device.
8. method as claimed in claim 5, wherein the authentication module is additionally configured to：In the credibility that judgement is merchandised
Before, the historical transactional information of second trade company is collected, and be based at least partially on the historical trading letter of second trade company
Breath judges the confidence level of the second user, if the confidence level of the second user is less than scheduled confidence threshold value, institute
It states transaction modules and prevents the transaction.
9. a kind of method using the system as claimed in claim 1, wherein when user application is for the compensation of transaction
When, determine whether the transaction meets pre-stored compensation consensus standard using the authentication module, if it is determined that described
Second transaction meets the pre-stored compensation consensus standard, then permits retracting the amount of money that second transaction is related to described
The account of user.
10. method as claimed in claim 9, wherein the second trade company prepayment predetermined dollar value is to intermediate account, if
It determines that the transaction meets the pre-stored compensation consensus standard, is then related to from the intermediate account by second transaction
The amount of money go back to the account of the user.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710015382.9A CN108288160A (en) | 2017-01-10 | 2017-01-10 | Method of payment and system based on credit evaluation guarantee |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710015382.9A CN108288160A (en) | 2017-01-10 | 2017-01-10 | Method of payment and system based on credit evaluation guarantee |
Publications (1)
| Publication Number | Publication Date |
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| CN108288160A true CN108288160A (en) | 2018-07-17 |
Family
ID=62819434
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201710015382.9A Pending CN108288160A (en) | 2017-01-10 | 2017-01-10 | Method of payment and system based on credit evaluation guarantee |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111339372A (en) * | 2019-12-27 | 2020-06-26 | 中思博安科技（北京）有限公司 | Metadata management method and device |
| CN113269560A (en) * | 2021-05-14 | 2021-08-17 | 河北幸福消费金融股份有限公司 | Identity authentication method, method for enhancing transaction security, and storage medium |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN102103729A (en) * | 2009-12-22 | 2011-06-22 | 阿里巴巴集团控股有限公司 | Consumer projection service system, method and online transaction architecture based on online transaction |
| CN103198397A (en) * | 2013-04-12 | 2013-07-10 | 苏州通付盾信息技术有限公司 | Mobile payment method based on risk assessment and multiple credibility judgment steps |
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2017
- 2017-01-10 CN CN201710015382.9A patent/CN108288160A/en active Pending
Patent Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102103729A (en) * | 2009-12-22 | 2011-06-22 | 阿里巴巴集团控股有限公司 | Consumer projection service system, method and online transaction architecture based on online transaction |
| CN103198397A (en) * | 2013-04-12 | 2013-07-10 | 苏州通付盾信息技术有限公司 | Mobile payment method based on risk assessment and multiple credibility judgment steps |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111339372A (en) * | 2019-12-27 | 2020-06-26 | 中思博安科技（北京）有限公司 | Metadata management method and device |
| CN111339372B (en) * | 2019-12-27 | 2024-03-08 | 中思博安科技（北京）有限公司 | Metadata management method and device |
| CN113269560A (en) * | 2021-05-14 | 2021-08-17 | 河北幸福消费金融股份有限公司 | Identity authentication method, method for enhancing transaction security, and storage medium |
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Application publication date: 20180717 |
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