CN108564371A - A kind of transaction verification method and device - Google Patents
A kind of transaction verification method and device Download PDFInfo
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- CN108564371A CN108564371A CN201711450751.3A CN201711450751A CN108564371A CN 108564371 A CN108564371 A CN 108564371A CN 201711450751 A CN201711450751 A CN 201711450751A CN 108564371 A CN108564371 A CN 108564371A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
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- 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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3821—Electronic credentials
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Abstract
This application discloses a kind of transaction verification method and device, the method includes：The checking request that terminal is sent is obtained, the checking request includes the transaction voucher of transaction to be verified；According to the transaction voucher, the Transaction Information of the transaction to be verified is obtained；According at least to the transaction location information in the Transaction Information, with determining the transaction of the transaction to be verified；According at least to the merchant information in the Transaction Information, the confidence level of the transaction to be verified is determined；According at least to the transaction to be verified transaction and the transaction to be verified confidence level, be verified result；The verification result is sent to the terminal.
Description
Technical field
This application involves financial field more particularly to a kind of transaction verification method and devices.
Background technology
Currently, it abroad buys on behalf more and more hot.This is because with the development of economy, Household Consumption in China upgrading, for
The requirement of quality of the life is improving, it is desirable to obtain more high-quality, safer, more advanced commodity.Buying on behalf becomes an emerging friendship
Easy mode, but buy on behalf at present market there are problems that this it is a it is serious be difficult to supervise, fake products grows wild.Much not for consumer
Have from overseas really purchase commodity, but the trade mark for directly looking for businessman to produce fake products, stick famous brand again, it palms off as overseas certified products
To cheat consumer.
Therefore, at present there is an urgent need for a kind of transaction verification method and device, to protect the equity of consumer, Maintenance Market it is normal
Order.
Invention content
A kind of transaction verification method of the embodiment of the present application offer and device protect consumer to improve the safety bought on behalf
Equity, the normal order of Maintenance Market.
The embodiment of the present application provides a kind of transaction verification method, including：
The checking request that terminal is sent is obtained, the checking request includes the transaction voucher of transaction to be verified；
According to the transaction voucher, the Transaction Information of the transaction to be verified is obtained；
According at least to the transaction location information in the Transaction Information, with determining the transaction of the transaction to be verified；
According at least to the merchant information in the Transaction Information, the confidence level of the transaction to be verified is determined；
According at least to the transaction to be verified transaction and the transaction to be verified confidence level, be verified result；
The verification result is sent to the terminal.
A kind of possible realization method determines described to be tested according at least to the transaction location information in the Transaction Information
With demonstrate,proving the transaction of transaction, further include：
According to the transaction location information in the Transaction Information, with determining the generation of the transaction voucher；
Determine exchange hour in the Transaction Information and transaction currency type, if meet the business hours for generating ground and
Circulate currency type；
If meeting, it is determined that the transaction for generating ground as the transaction to be verified.
A kind of possible realization method, the checking request further include buyer's information, and the method further includes：
According to the bank card information in the Transaction Information, cardholder information is obtained；
Determine whether buyer's information is consistent with the cardholder information；
When consistent, the credit value of the holder is obtained；The credit value of the holder is according to history card situation and goes through
History verifies situation to determine；
According at least to the transaction to be verified transaction and the transaction to be verified confidence level, be verified as a result,
Including：
According at least to the transaction ground of the transaction to be verified, the credit value of the holder and the transaction to be verified can
Reliability is verified result.
A kind of possible realization method, the checking request further include the merchandise news of the transaction to be verified；
According at least to the merchant information in the Transaction Information, the confidence level of the transaction to be verified is determined, including：
For the trade name and commodity price of each commodity in the merchandise news, determine that the price of the commodity is closed
Reason degree；According to the merchant information, the matching degree of the merchant information and classification where the commodity is obtained；
The reasonable price degree of confidence level and the commodity according at least to the trade company, determine the transaction to be verified can
Reliability.
A kind of possible realization method, according at least to the transaction to be verified transaction ground, the holder credit value
With the confidence level of the transaction to be verified, it is verified as a result, including：
If it is determined that the transaction of the transaction to be verified do not pass through, then the verification result obtained be do not pass through；
If it is determined that the transaction of the transaction to be verified pass through, the credit value of the holder not by and it is described to be verified
The confidence level of transaction does not pass through, then the verification result obtained is not pass through.
A kind of possible realization method, the method further include：
The confidence level of the credit worthiness and the trade company of the holder is updated according to the verification result.
The embodiment of the present application provides a kind of transaction verification device, including：
Acquiring unit, the checking request for obtaining terminal transmission, the checking request includes the friendship of transaction to be verified
Easy voucher；
Processing unit, for according to the transaction voucher, obtaining the Transaction Information of the transaction to be verified；According at least to institute
The transaction location information in Transaction Information is stated, with determining the transaction of the transaction to be verified；According at least in the Transaction Information
Merchant information, determine the confidence level of the transaction to be verified；According at least to the transaction to be verified transaction and described wait for
The confidence level for verifying transaction, is verified result；The verification result is sent to the terminal.
A kind of possible realization method, the processing unit are specifically used for：
According to the transaction location information in the Transaction Information, with determining the generation of the transaction voucher；Determine the friendship
Exchange hour in easy information and transaction currency type, if meet the business hours for generating ground and circulation currency type；If meeting,
With determining the generation for the transaction of the transaction to be verified.
A kind of possible realization method, the checking request further include buyer's information, and the processing unit is additionally operable to：
According to the bank card information in the Transaction Information, cardholder information is obtained；Whether determine buyer's information
It is consistent with the cardholder information；When consistent, the credit value of the holder is obtained；The credit value of the holder is according to history
It is determined with card situation and history verification situation；According at least to the transaction to be verified transaction ground, the holder prestige
The confidence level of value and the transaction to be verified, is verified result.
A kind of possible realization method, the checking request further include the merchandise news of the transaction to be verified；The place
Reason unit is additionally operable to：
For the trade name and commodity price of each commodity in the merchandise news, determine that the price of the commodity is closed
Reason degree；According to the merchant information, the matching degree of the merchant information and classification where the commodity is obtained；According at least to described
The reasonable price degree of the confidence level of trade company and the commodity determines the confidence level of the transaction to be verified.
A kind of possible realization method, the processing unit are additionally operable to：
If it is determined that the transaction of the transaction to be verified do not pass through, then the verification result obtained be do not pass through；If really
Pass through to the transaction of the fixed transaction to be verified, the credit value of the holder not by and the transaction to be verified confidence level
Do not pass through, then the verification result obtained is not pass through.
A kind of possible realization method, the processing unit are additionally operable to：The holder is updated according to the verification result
Credit worthiness and the trade company confidence level.
A kind of transaction verification method of the embodiment of the present application offer and device include transaction to be verified by obtaining terminal transmission
Transaction voucher checking request；The transaction to be verified is verified from the source of transaction：According to the transaction voucher, obtain
Take the Transaction Information of the transaction to be verified；According at least to the transaction location information in the Transaction Information, determine described to be tested
With demonstrate,proving the transaction of transaction；To judge the transaction to be verified loco authenticity.According at least to the Transaction Information
In merchant information, determine the confidence level of the transaction to be verified；According at least to the transaction to be verified transaction and it is described
The confidence level of transaction to be verified, is verified result；To judge the possibility of certified products in transaction to be verified, realize to buying on behalf
Effective control of risk reduces the possibility that user is deceived when buying on behalf, is effectively protected the equity of consumer.
Description of the drawings
Fig. 1 is a kind of flow diagram of transaction verification method provided by the embodiments of the present application；
Fig. 2 is a kind of flow diagram of transaction verification method provided by the embodiments of the present application；
Fig. 3 is a kind of structural schematic diagram of transaction verification device provided by the embodiments of the present application.
Specific implementation mode
Buy the industry emerging as one on behalf, current buys a market effective method for verifying certified products not yet on behalf,
Consumer is in weak position.General verification method includes at present：
Based on commodity own verification method：The method that the producer of certain commodity (such as luxury goods) can provide the verification true and false,
Identifying code is indicated such as on commodity.For the verification method, fake producer can produce identifying code by puppet, by other certified products
The identifying code true and false on fake products, causing commodity that cannot verify commodity by authoritative institution.
Based on purchase commodity process verification method：By confirming that commodity are from overseas regular special counter, regular market or official
What square website was bought.Concrete scheme is as follows：
Video/picture is verified：The modes such as real-time photo, small video, live streaming are provided when purchase for consumer, allows and disappears
Expense person sees for consumer's commodity that regular special counter is bought in overseas really；But photo, video, the corresponding commodity of live streaming can
It can not be the commodity that currently this is bought on behalf for consumer, the video of other generations consumer may be multiplexed or be multiplexed currently for consumer
Previous video.
Invoice：By the shopping document generated when special counter is done shopping, receipt be mailed to together consumer or be illustrated in buy on behalf it is flat
On platform.For the special counter of invoice can be provided, invoice and commodity are mailed to consumer together；However, external shopping document
Also it is easier to forge, fake producer may usurp the shopping document of other shoppers as evidence；
Logistics odd numbers：The corresponding logistics odd numbers of commodity will be bought on behalf and be supplied to consumer, goods can be found according to logistics odd numbers
From buying on behalf whether (such as U.S., South Korea, the overseas area in Hong Kong) is sent object.However, logistics odd numbers is also to hold very much
It easily fakes, odd numbers is corresponding may and to be mismatched with sending out with the places that is actually sent out of commodity.
Based on for consumer's worthiness verification method：Can be comprising the personal for consumer and generation of the naughty product in sale sea for consumer
Purchase company.The credit worthiness of this generation consumer can be confirmed by the feedback of a large amount of consumers, evaluation, report information, it is considered that letter
The good probability for consumer's pass off of reputation degree is relatively low, therefore this is also a kind of current common verification method.Specific method can
To include being verified for consumer in the series verification of transaction platform or for the consumer evaluation of consumer's transaction platform：
It is verified in the series of transaction platform for consumer：Usual transaction platform can be to providing grading, for example, Taobao for consumer
Star etc. identifies the credit worthiness for consumer；Star is high can higher for consumer's credit worthiness；But platform series can be single by brushing
Mode is forged.
For consumer evaluation's verification of consumer's transaction platform：Judged by consumer evaluation on transaction platform, textures
For the prestige of consumer, and then judge the confidence level for the commodity that it is bought on behalf.The evaluation of consumer can also be forged by brush folk prescription formula,
Validity is difficult to determine.
In conclusion the key problem of the above proof scheme is no uniqueness and authority, that is, the evidence provided is all
It is easy to be forged, reuse.For example, shopping document neither one authoritative institution can prove that it is genuine and is only
One；Similarly, there is also can be forged video photography, the commodity identifying code of itself.
The embodiment of the present application provides a kind of transaction verification method, as shown in Figure 1, showing for a kind of flow of transaction verification method
It is intended to, includes the following steps：
Step 101：Obtain terminal send checking request, the checking request include transaction to be verified transaction with
Card；
Step 102：According to the transaction voucher, the Transaction Information of the transaction to be verified is obtained；
Step 103：According at least to the transaction location information in the Transaction Information, the transaction of the transaction to be verified is determined
Ground；
Step 104：According at least to the merchant information in the Transaction Information, the confidence level of the transaction to be verified is determined；
Step 105：According at least to the transaction to be verified transaction and the transaction to be verified confidence level, tested
Demonstrate,prove result；
Step 106：The verification result is sent to the terminal.
In a step 101, the transaction voucher can be the transaction voucher on Cash collecting equipment, or official website carries
The transaction voucher of confession；The Cash collecting equipment can be the Cash collecting equipment for supporting various type of payment, for example, point-of-sale terminal (point
Of sale, POS), cashing machine, the Cash collecting equipments such as the POS.The transaction voucher that the official website provides can be that commodity correspond to
Official website order transaction success when, the transaction voucher of the corresponding bank that withholds.Point-of-sale terminal is a kind of multi-functional terminal end,
It is mounted on the franchised business of credit card and accepted in site and is unified into network with computer, can be achieved with electronic funds from turn
Account, it has the function of to support consumption, pre-authorization, inquiry into balance and account transfer etc., and the transaction voucher can be POS machine payment voucher
It is single, the transaction details in the transaction voucher can be confirmed, by analyzing transaction details, to determine verification result.Root
According to the transaction voucher as the evidence for buying certified products verification on behalf, it ensure that the authority of verification result, it is easy to solve experimental evidence
The problem of being forged, being multiplexed, verification result is more accurate.
Wherein, the checking request that the terminal is sent can be what consumer sent, can also be what buyer sent,
This is not limited.
In specific implementation process, can be got by the transaction voucher the corresponding card tissue of the transaction voucher,
Transaction record (the transaction of the transaction voucher stored in the transaction details database of the storages such as bank, Third-party payment mechanism
The Transaction Informations such as detail), can from multiple angles it is authoritative verify the transaction to be verified.For example, may include to described
The transaction ground of transaction to be verified and the confidence level of the transaction to be verified are verified.For example, the verification transaction to be verified
Whether loco is traded in rational place.
In a step 102, the Transaction Information in the validating documents may include the exchange hour of the transaction to be verified,
Transaction location information, currency type of merchandising, merchant information, card number information, Cash collecting equipment etc..
It, can be according to belonging to the transaction voucher and the transaction voucher actually obtained in specific implementation process
Card tissue, bank, transaction to be verified described in the transaction details database of storages such as Third-party payment mechanism transaction details
It determines.
It in step 103, can be by judging whether the transaction location information of the transaction to be verified is specified overseas
Region carries out the verification for buying place on behalf.
To improve the accuracy of verification, a kind of possible realization method can also include the following steps：
Step 1: according to the transaction location information in the Transaction Information, with determining the generation of the transaction voucher；
Step 2: determining the exchange hour and transaction currency type in the Transaction Information, if meet the battalion for generating ground
Industry time and circulation currency type；If meeting, three are thened follow the steps；If not meeting, four are thened follow the steps；
A kind of possible realization method can determine if described generate the time zones A that ground is the U.S. according to the determining time zones A
The business hours of trade company in the transaction to be verified, and when judging the transaction of the transaction to be verified according to the business hours
Between whether meet the business hours.
Step 3: with determining the transaction for generating ground as the transaction to be verified；
Do not pass through Step 4: verifying with determining the transaction of the transaction to be verified.
In step 4, since the accuracy of the verification condition on transaction ground is higher, described wait for can be confirmed once not meeting
Process of exchange in verification transaction mismatches, it may be determined that the transaction to be verified does not pass through, in the transaction to be verified
Commodity be certified products possibility it is extremely low.
It at step 104, can be by judging whether the trade company in the transaction to be verified is manage certified products commodity special
Cabinet or market carry out the merchant verification of the transaction to be verified, and then determine the confidence level of the transaction to be verified.
The confidence level of a kind of possible realization method, the trade company can be determined according to following steps：
Step 1: according to the transaction voucher, the merchant information in the transaction voucher is determined；
A kind of possible realization method, the mark for the Cash collecting equipment that the merchant information can be according in the transaction voucher
Know determination, can also directly be determined according to the transaction voucher, not limited herein.
In specific implementation process, according to the merchant information in the transaction voucher, the business scope of the trade company is determined；
For example, the trade company can be determined according to the mark of merchant identification or Cash collecting equipment in the Transaction Information
Business scope；
For example, the merchant identification can be trade company's class code (merchant class code, MCC), bank card exists
The class code of the franchised business of bankcard consumption is arranged by card tissue, and each POS trade company expands the classification that bank is used in conjunction with and compile
Code.Trade company classification code MCC, i.e. acquirer be trade company's setting, for indicating the payment trading environment of entity, place trade company
Main business scope and industry ownership.
For example, the category of employment belonging to the trade company of MCC determinations, and then determine the business scope of the trade company.
For example, the category of employment belonging to trade company is retail business, lodging, food and drink, amusement and recreation, real estate, finance, neghborhood services and business
Service, wholesale, education, health, welfare and other government services etc..The business scope can be retail, lodging, food and drink, stop
Spare time amusement, real estate and financial, neghborhood services and commerce services, wholesale business, education, health, welfare and other government services etc..
For example, the category of employment belonging to the trade company of MCC determinations, determines the business scope.For example, institute of trade company
The category of employment of category be retail business, lodging, food and drink, amusement and recreation, real estate, finance, neghborhood services and commerce services, it is wholesale,
Education, health, welfare and other government services etc..The business scope can be retail, lodging, food and drink, amusement and recreation, premises
Production and financial, neghborhood services and commerce services, wholesale business, education, health, welfare and other government services etc..At this point, a quotient
Family corresponds to trade company's classification code, and trade company's classification code and a business scope have correspondence, which determines quotient
Family and the matching angle value of the business scope can be maximum value, and the trade company and the matching degree of other business scopes are relatively low, matching
Angle value is smaller.For example, the corresponding business scopes of the MCC of trade company and the matching angle value of trade company could be provided as 1, trade company passes through with other
The matching degree of battalion's range is set as 0.1.
Again for example, the property and type of commodity or service that trade company's main business is provided can be determined according to MCC,
And then determine the business scope.Merchant business type and property are determined according to the practical operation main business of trade company.For example, if
Certain trade company does not match code suitably in listed classification code, and acquirer can be then trade company setting corresponding general generation
Code.For example, its can not accurate description white goods repair, sports equipment repair, musical instrument maintenance service, acquirer can set
Set all kinds of maintenance stores of the sector versatility code 7699-- and related service.Some trade companies carry out mixed operation, i.e. trade company while face
A variety of services are provided to a variety of different commodity of user's sale or simultaneously, or total commodity and Services Composition are provided.Example
Such as, an electric appliance, digital product dealer may provide small-scale Related product and maintenance service to client simultaneously；Hotel
Class trade company of hotel provides gift sale, food and beverage sevice or other leisure services etc. simultaneously.For example, mixed operation trade company relates to
And all kinds of classs of service it is mutually not independent, when can not strictly distinguish, can be arranged according to the working traffic of mixed operation trade company
MCC, i.e. operating income are contribution the best parts.For example, electric appliance, digital product retailer, while similar product being also provided
Repair, maintenance can encode at this time according to main business setting trade company of trade company.If main business is electric appliance sale, can make
With MCC5732 (household electrical appliance shop)；If main business is electrical maintenance, MCC7622 (electrical equipment repair) can be used.This
When, a trade company still corresponds to trade company's classification code, and trade company's classification code and a business scope have correspondence, the correspondence
Relationship determines that trade company and the matching angle value of the business scope can be higher value, and the trade company is corresponding with other non-main businesses
The corresponding business scopes of MCC and the matching degree of trade company are relatively low, and matching angle value is smaller.For example, the corresponding business scopes of the MCC of trade company
0.8 is could be provided as with the matching angle value of trade company, of the corresponding business scopes of trade company MCC corresponding with other non-main businesses
0.4 is could be provided as with degree；The matching degree of the corresponding business scopes of trade company MCC corresponding with other unrelated business can be arranged
It is 0.1.
Again for example, multiple classs of service that mixed operation trade company is related to independently of each other manage by (or mutually contradictory),
It, can be according to friendship incident practical business classification lacing trade company code when can distinguish.For example, a restaurant, provides food and drink
Service also provides discipline gift, reads product sale simultaneously.Trade company classification code MCC should be respectively set to be distinguished, food and drink part should then be set
Set MCC5812 (dining places and restaurant)；Gift, Souvenir Shop point, then should be arranged MCC5947 (gift, card, decoration
Product, Souvenir Shop).At this point, a trade company can correspond to multiple trade company's classification codes, and then multiple business scopes can be corresponded to,
For each business scope, it is all larger that a trade company, which can have the matching angle value of the corresponding trade company's classification code of multiple business scopes,
Value.For example, the matching angle value of the corresponding business scope of trade company's classification code of the trade company could be provided as being more than 0.5.Wherein, one
The corresponding multiple trade company's classification codes of a trade company can determine the corresponding trade company's classification code of different ranges of business according to range of business
The ratio of the range of business of shared trade company determines the matching angle value of the trade company and business scope.For example, the master of the trade company
The corresponding business scopes of the corresponding MCC of business business and the matching angle value of trade company could be provided as 0.8, the corresponding MCC of other business
Corresponding business scope and the matching angle value of trade company could be provided as 0.5.
Step 2: according to the merchant information, the historical transaction record of the trade company is determined；
Wherein, the gathering that the historical transaction record of the trade company can determine according in the transaction to be verified is set
What standby historical transaction record determined, or determined according to historical transaction record all in the trade company, herein not
It limits, it can be determines according to actual conditions.
Step 3: can be according to the historical transaction record of the trade company, the history of the merchant information and the trade company is tested
It is one or more in card result, determine the confidence level of the trade company.
It, can be according to the historical transaction record of the trade company, the merchant information and the quotient in specific implementation process
The history verification result at family, establishes the credibility model of the trade company, determines the business scope of the trade company, special as certified products
The information such as the probability in cabinet/market, and then determine the confidence level of the trade company, the verification dimension of the transaction to be verified is increased,
Improve verification accuracy.
A kind of possible realization method, can also be according to the transaction verification to be verified as a result, update the trade company can
Reliability.
For example, can be according to trade company location described in the merchant information, place time zone, MCC, whether trade company deposits
In, average transaction amount, daily trading volume, Day Trading number of users, year transaction amount, the distribution of transaction amount day, the distribution of trading volume day,
Transaction amount year is distributed, and the information such as trading volume year distribution determine that the commodity that the trade company is sold in its business scope are certified products
Probability, and then determine the confidence level of the trade company.For example, determine that the trade company is the probability for the certified products trade company for managing cosmetics,
And then obtain the confidence level of the trade company.
Step 4: according at least to the confidence level of the trade company, the confidence level of the transaction to be verified is determined.
Such as, however, it is determined that the confidence level of the trade company is higher, it may be determined that the confidence level of the transaction to be verified is higher.
In step 105, a kind of possible realization method can be verified described to be verified by verifying purchasing process
Whether transaction is the commodity bought in certified products special counter/market in overseas, determines the verification result.For example, being purchased by determining
Buying generation, appointed place and purchase are happened at certified products special counter/market in overseas, then the quotient in the transaction to be verified can be confirmed
Product are overseas certified products, i.e., the described verification result is to be verified.
To improve the accuracy of verification result, a kind of possible realization method can lead to and confirm that the transaction to be verified is
No is that buyer or partner buy, and is verified to the buyer of the transaction to be verified.Specific real
During applying, the checking request can also include buyer's information, and the method can also include the following steps：
Step 1: according to the bank card information in the Transaction Information, cardholder information is obtained；
Wherein, the cardholder information can be the bank card number that the transaction voucher summarizes；According to the bank card
Card number can be inquired the information of the holder by databases such as affiliated banks, for example, holder's identification card number
Code, name, the information such as phone number.
Step 2: determining whether buyer's information is consistent with the cardholder information；If consistent, then follow the steps
Three, if it is not, thening follow the steps five；
Wherein, buyer's information may include the name of the buyer, bank's card number, ID card No., mobile phone
Number information etc..
For example, can be according to the bank card information in the transaction voucher and the bank card information in buyer's information
To judge whether buyer's information consistent with the cardholder information.
Step 3: obtaining the credit value of the holder；The credit value of the holder is according to history card situation and goes through
History verifies situation to determine；
It, can be by the credit value of the holder, to improve the accuracy of verification in specific implementation process.It is described to hold
Record and the historical transaction record determination of the holder can be verified according to the history of the holder by blocking the credit value of people.With
The increase of verification number and the historical transaction record of holder, the credit value of the holder will be more and more accurate.
Step 4: according at least to the transaction ground of the transaction to be verified, the credit value of the holder and described to be verified
The confidence level of transaction, is verified result.
In specific implementation process, can by confirming purchasing process, that is, confirm be strictly for consumer in overseas
Its specified commodity is had purchased in certified products special counter/market.It is bought for consumer or partner；Purchase occurs to refer in overseas
Determine place；Purchase is happened at certified products special counter/market；If it has been confirmed that if there is a strong possibility is that can be confirmed that commodity are overseas
Certified products.
Step 5: determining that the transaction to be verified does not pass through.
Such as, however, it is determined that buyer's information is mismatched with the cardholder information in the transaction to be verified, or
Person,
If it is determined that the history credit value of buying on behalf of the generation consumer is less than or equal to the second predetermined threshold value,
Then determine not passing through for consumer's Information Authentication for the transaction to be verified.
In step 5, since the accuracy of the verification condition of buyer is higher, described wait for can be confirmed once not meeting
Process of exchange in verification transaction mismatches, it may be determined that the transaction to be verified does not pass through, in the transaction to be verified
Commodity be certified products possibility it is extremely low.
A kind of possible realization method can also include：The credit worthiness of the holder is updated according to the verification result.
A kind of possible realization method, the accounting of trading volume of the holder in the historical trading of the trade company, really
Whether fixed transaction between the holder and the trade company is arm's length dealing, and according to the judging result, updates the quotient
The confidence level at family and the credit worthiness of the holder.Such as, however, it is determined that the holder is in the historical trading of the trade company
The accounting of trading volume be more than predetermined threshold value, it may be considered that there are the behaviors of brush sales volume, then can reduce the trade company can
Reliability and the credit worthiness of the holder.
It is, of course, also possible to include and be not limited to that the information such as return of goods behavior whether occurred, the prestige of the holder is determined
The confidence level of value and the trade company.
To improve the accuracy of verification, a kind of possible realization method can pass through the quotient of the acquisition transaction to be verified
Product information, and the transaction to be verified combination, judge to buy in the whether described transaction to be verified of the commodity, and then right
The commodity are verified.
A kind of possible realization method, the checking request further include the merchandise news of the transaction to be verified；It can wrap
Include following steps：
Step 1: for the trade name and commodity price of each commodity in the merchandise news, the commodity are determined
Reasonable price degree；According to the merchant information, obtain the trade company classification where the commodity confidence level；
A kind of possible realization method, can be according to the price of the commodity and the difference of the market price and the quotient
The difference of the price of product and the history verification price of the commodity, determines the reasonable price degree of the commodity.
A kind of possible realization method, can be according to the matching of classification where the merchant information and the commodity
Degree, determine the trade company classification where the commodity confidence level；
In specific implementation process, the business scope for the trade company that can be determined according to the merchant information judges the quotient
Whether category does not belong to trade company's business scope, and then determines the matching of the merchant information and classification where the commodity
Degree, if matching degree is larger, it is determined that the trade company is higher in the confidence level of classification where the commodity.Such as, however, it is determined that
The commodity are YSL lipsticks, and the experience range of the trade company is cosmetics, it is determined that the confidence level of the trade company is 90 points (full
Divide 100).
Step 2: according at least to the trade company the confidence level of classification and the commodity where the commodity reasonable price
Degree, determines the confidence level of the transaction to be verified.
A kind of possible realization method, can be according to the trade company described in the belief update of classification where the commodity
The confidence level of trade company；I.e. according to the historical transaction record of the Cash collecting equipment, the history of the merchant information and the trade company is tested
Card is as a result, the merchant information and one or more determinations trade company in the matching degree of the classification where the merchandise news
Confidence level.
By confirming purchasing process, that is, confirms in the certified products special counter/market of the transaction to be verified in overseas and have purchased finger
Fixed commodity.By determining whether purchase occurs appointed place in overseas, purchase is happened at the probability in certified products special counter/market, institute
The purchase commodity probability consistent with the commodity for being sold to consumer in transaction to be verified is stated, the transaction to be verified can be confirmed
In commodity whether be overseas certified products verification result.
In step 106, may include：
If being verified, the verification result is verification certificate, can be by way of webpage, short message, Email
It is sent to consumer；
If verification do not pass through, the verification result be to the terminal send verification not by as a result, without corresponding
Certificate.
The embodiment of the present application provides a kind of flow diagram of transaction verification method, as shown in Fig. 2, including the following steps：
Step 201：Obtain the checking request that the terminal is sent；According to the transaction voucher, the friendship to be verified is obtained
Easy Transaction Information；The checking request may include the transaction voucher of transaction to be verified, buyer's information, the friendship to be verified
It is one or more in easy merchandise news；If it is determined that the checking request includes buyer's information, 202 are thened follow the steps；
If it is determined that the checking request includes the merchandise news of the transaction to be verified, 210 are thened follow the steps；
Step 202：According to the bank card information in the Transaction Information, cardholder information is obtained；
Step 203：Determine whether buyer's information is consistent with the cardholder information；If so, thening follow the steps
204；If it is not, thening follow the steps 214；
Step 204：Obtain the credit value of the holder；The credit value of the holder is according to history card situation and goes through
History verifies situation to determine；Judge whether the credit value of the holder is less than first threshold, if so, thening follow the steps 214；If
It is no, then follow the steps 205；
Step 205：According to the transaction location information in the Transaction Information, with determining the generation of the transaction voucher；
Step 206：Determine the exchange hour and transaction currency type in the Transaction Information, if meet the work for generating ground
Make time and circulation currency type；If so, with determining the transaction for generating ground as the transaction to be verified, and execute step 207；
If it is not, thening follow the steps 214；
Step 207：According to the transaction voucher, the merchant information in the transaction voucher is determined；
Step 208：According to the merchant information, the historical transaction record of the trade company is determined；
Step 209：According to the historical transaction record of the trade company, the history verification knot of the merchant information and the trade company
It is one or more in fruit, determine the confidence level of the trade company；And judge whether the confidence level of the trade company is less than third threshold value,
If so, thening follow the steps 214；If it is not, thening follow the steps 213；
Step 210：According to the merchant information, obtain the trade company classification where the commodity confidence level；
Step 211：For the trade name and commodity price of each commodity in the merchandise news, the commodity are determined
Reasonable price degree；
Step 212：According to the reasonable price degree of the confidence level of the trade company and the commodity, the transaction to be verified is determined
Confidence level；It determines whether the confidence level of the transaction to be verified is less than the 4th threshold value, thens follow the steps 213；If it is not, then executing
Step 214；
Step 213：Determine that the transaction verification to be verified passes through；And be verified to terminal transmission, and verification
Certificate.
Step 214：Determine that the transaction verification to be verified does not pass through；And it sends verification to the terminal and does not pass through.
As shown in figure 3, the embodiment of the present application provides a kind of transaction verification device, including：
Acquiring unit 301, the checking request for obtaining terminal transmission, the checking request includes transaction to be verified
Transaction voucher；
Processing unit 302, for according to the transaction voucher, obtaining the Transaction Information of the transaction to be verified；At least root
According to the transaction location information in the Transaction Information, with determining the transaction of the transaction to be verified；Believe according at least to the transaction
Merchant information in breath determines the confidence level of the transaction to be verified；According at least to the transaction to be verified transaction and institute
The confidence level for stating transaction to be verified, is verified result；The verification result is sent to the terminal.
A kind of possible realization method, processing unit 302 are specifically used for：
According to the transaction location information in the Transaction Information, with determining the generation of the transaction voucher；Determine the friendship
Exchange hour in easy information and transaction currency type, if meet the business hours for generating ground and circulation currency type；If meeting,
With determining the generation for the transaction of the transaction to be verified.
A kind of possible realization method, the checking request further include buyer's information, and processing unit 302 is additionally operable to：
According to the bank card information in the Transaction Information, cardholder information is obtained；Whether determine buyer's information
It is consistent with the cardholder information；When consistent, the credit value of the holder is obtained；The credit value of the holder is according to history
It is determined with card situation and history verification situation；According at least to the transaction to be verified transaction ground, the holder prestige
The confidence level of value and the transaction to be verified, is verified result.
A kind of possible realization method, the checking request further include the merchandise news of the transaction to be verified；Processing is single
Member 302 is additionally operable to：
For the trade name and commodity price of each commodity in the merchandise news, determine that the price of the commodity is closed
Reason degree；According to the merchant information, the matching degree of the merchant information and classification where the commodity is obtained；According at least to described
The reasonable price degree of the confidence level of trade company and the commodity determines the confidence level of the transaction to be verified.
A kind of possible realization method, processing unit 302 are additionally operable to：：
If it is determined that the transaction of the transaction to be verified do not pass through, then the verification result obtained be do not pass through；If really
Pass through to the transaction of the fixed transaction to be verified, the credit value of the holder not by and the transaction to be verified confidence level
Do not pass through, then the verification result obtained is not pass through.
A kind of possible realization method, processing unit 302 are additionally operable to：Update the holder's according to the verification result
The confidence level of credit worthiness and the trade company.
A kind of transaction verification method of the embodiment of the present application offer and device, the certified products that Hai Tao is bought on behalf is introduced by transaction voucher
In verification, using the information in the associated bank card business dealing detail of transaction voucher, purchasing process is verified, to obtain standard
True verification result.Confirm purchasing process by buyer's information, transaction voucher, merchandise news, that is, confirms the friendship to be verified
Specified commodity are had purchased in certified products special counter/market easily in overseas.By determining whether purchase occurs appointed place in overseas,
Purchase is happened at the probability in certified products special counter/market, the purchase commodity in the transaction to be verified and the commodity for being sold to consumer
Consistent probability, can be confirmed the commodity in the transaction to be verified whether be overseas certified products verification result.It realizes to generation
The effective control for purchasing risk, reduces the possibility that user is deceived when buying on behalf, is effectively protected the equity of consumer.
It should be understood by those skilled in the art that, the embodiment of the present invention can be provided as method, system or computer program
Product.Therefore, complete hardware embodiment, complete software embodiment or reality combining software and hardware aspects can be used in the present invention
Apply the form of example.Moreover, the present invention can be used in one or more wherein include computer usable program code computer
The computer program production implemented in usable storage medium (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.)
The form of product.
The present invention be with reference to according to the method for the embodiment of the present invention, the flow of equipment (system) and computer program product
Figure and/or block diagram describe.It should be understood that can be realized by computer program instructions every first-class in flowchart and/or the block diagram
The combination of flow and/or box in journey and/or box and flowchart and/or the block diagram.These computer programs can be provided
Instruct the processor of all-purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices to produce
A raw machine so that the instruction executed by computer or the processor of other programmable data processing devices is generated for real
The device for the function of being specified in present one flow of flow chart or one box of multiple flows and/or block diagram or multiple boxes.
These computer program instructions, which may also be stored in, can guide computer or other programmable data processing devices with spy
Determine in the computer-readable memory that mode is done business so that instruction generation stored in the computer readable memory includes referring to
Enable the manufacture of device, the command device realize in one flow of flow chart or multiple flows and/or one box of block diagram or
The function of being specified in multiple boxes.
These computer program instructions also can be loaded onto a computer or other programmable data processing device so that count
Series of operation steps are executed on calculation machine or other programmable devices to generate computer implemented processing, in computer or
The instruction executed 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 a box or multiple boxes.
Although preferred embodiments of the present invention have been described, it is created once a person skilled in the art knows basic
Property concept, then additional changes and modifications may be made to these embodiments.So it includes excellent that the following claims are intended to be interpreted as
It selects embodiment and falls into all change and modification of the scope of the invention.
Obviously, those skilled in the art can carry out the application essence of the various modification and variations without departing from the application
God and range.In this way, if these modifications and variations of the application belong to the range of the application claim and its equivalent technologies
Within, then the application is also intended to include these modifications and variations.
Claims (12)
1. a kind of transaction verification method, which is characterized in that including：
The checking request that terminal is sent is obtained, the checking request includes the transaction voucher of transaction to be verified；
According to the transaction voucher, the Transaction Information of the transaction to be verified is obtained；
According at least to the transaction location information in the Transaction Information, with determining the transaction of the transaction to be verified；
According at least to the merchant information in the Transaction Information, the confidence level of the transaction to be verified is determined；
According at least to the transaction to be verified transaction and the transaction to be verified confidence level, be verified result；
The verification result is sent to the terminal.
2. the method as described in claim 1, which is characterized in that according at least to the transaction location information in the Transaction Information,
With determining the transaction of the transaction to be verified, further include：
According to the transaction location information in the Transaction Information, with determining the generation of the transaction voucher；
Determine the exchange hour and transaction currency type in the Transaction Information, if meet the business hours for generating ground and circulation
Currency type；
If meeting, it is determined that the transaction for generating ground as the transaction to be verified.
3. the method as described in claim 1, which is characterized in that the checking request further includes buyer's information, the method
Further include：
According to the bank card information in the Transaction Information, cardholder information is obtained；
Determine whether buyer's information is consistent with the cardholder information；
When consistent, the credit value of the holder is obtained；The credit value of the holder is tested according to history with card situation and history
Situation is demonstrate,proved to determine；
According at least to the transaction to be verified transaction and the transaction to be verified confidence level, be verified as a result, including：
According at least to the credible of the transaction ground of the transaction to be verified, the credit value of the holder and the transaction to be verified
Degree, is verified result.
4. method as claimed in claim 3, which is characterized in that the checking request further includes the commodity of the transaction to be verified
Information；
According at least to the merchant information in the Transaction Information, the confidence level of the transaction to be verified is determined, including：
For the trade name and commodity price of each commodity in the merchandise news, the reasonable price of the commodity is determined
Degree；According to the merchant information, the matching degree of the merchant information and classification where the commodity is obtained；
The reasonable price degree of confidence level and the commodity according at least to the trade company, determines the credible of the transaction to be verified
Degree.
5. method as claimed in claim 4, which is characterized in that according at least to the transaction to be verified transaction, described hold
The confidence level for blocking the credit value and the transaction to be verified of people, is verified as a result, including：
If it is determined that the transaction of the transaction to be verified do not pass through, then the verification result obtained be do not pass through；
If it is determined that the transaction of the transaction to be verified pass through, the credit value of the holder not by and the transaction to be verified
Confidence level do not pass through, then the verification result obtained be do not pass through.
6. method as claimed in claim 4, which is characterized in that further include：
The confidence level of the credit worthiness and the trade company of the holder is updated according to the verification result.
7. a kind of transaction verification device, which is characterized in that including：
Acquiring unit, for obtain terminal transmission checking request, the checking request include transaction to be verified transaction with
Card；
Processing unit, for according to the transaction voucher, obtaining the Transaction Information of the transaction to be verified；According at least to the friendship
Transaction location information in easy information, with determining the transaction of the transaction to be verified；According at least to the quotient in the Transaction Information
Family information determines the confidence level of the transaction to be verified；According at least to the transaction to be verified transaction and it is described to be verified
The confidence level of transaction, is verified result；The verification result is sent to the terminal.
8. device as claimed in claim 7, which is characterized in that the processing unit is specifically used for：
According to the transaction location information in the Transaction Information, with determining the generation of the transaction voucher；Determine the transaction letter
Exchange hour in breath and transaction currency type, if meet the business hours for generating ground and circulation currency type；If meeting, it is determined that
The transaction that ground is generated as the transaction to be verified.
9. device as claimed in claim 7, which is characterized in that the checking request further includes buyer's information, the processing
Unit is additionally operable to：
According to the bank card information in the Transaction Information, cardholder information is obtained；Determine buyer's information whether with institute
It is consistent to state cardholder information；When consistent, the credit value of the holder is obtained；The credit value of the holder blocks according to history
Situation and history verify situation to determine；According at least to the transaction to be verified transaction ground, the holder credit value and
The confidence level of the transaction to be verified, is verified result.
10. device as claimed in claim 9, which is characterized in that the checking request further includes the quotient of the transaction to be verified
Product information；The processing unit is additionally operable to：
For the trade name and commodity price of each commodity in the merchandise news, the reasonable price of the commodity is determined
Degree；According to the merchant information, the matching degree of the merchant information and classification where the commodity is obtained；According at least to the quotient
The reasonable price degree of the confidence level at family and the commodity determines the confidence level of the transaction to be verified.
11. device as claimed in claim 9, which is characterized in that the processing unit is additionally operable to：
If it is determined that the transaction of the transaction to be verified do not pass through, then the verification result obtained be do not pass through；If it is determined that institute
Pass through with stating the transaction of transaction to be verified, the credit value of the holder not by and the transaction to be verified confidence level it is obstructed
It crosses, then the verification result obtained is not pass through.
12. device as claimed in claim 9, which is characterized in that the processing unit is additionally operable to：More according to the verification result
The confidence level of the credit worthiness and the trade company of the new holder.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711450751.3A CN108564371A (en) | 2017-12-27 | 2017-12-27 | A kind of transaction verification method and device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711450751.3A CN108564371A (en) | 2017-12-27 | 2017-12-27 | A kind of transaction verification method and device |
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| Publication Number | Publication Date |
|---|---|
| CN108564371A true CN108564371A (en) | 2018-09-21 |
Family
ID=63530381
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201711450751.3A Pending CN108564371A (en) | 2017-12-27 | 2017-12-27 | A kind of transaction verification method and device |
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| CN (1) | CN108564371A (en) |
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Application publication date: 20180921 |