CN108647959A - Indicating risk method and device when on-line payment - Google Patents
Indicating risk method and device when on-line payment Download PDFInfo
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- CN108647959A CN108647959A CN201810291427.XA CN201810291427A CN108647959A CN 108647959 A CN108647959 A CN 108647959A CN 201810291427 A CN201810291427 A CN 201810291427A CN 108647959 A CN108647959 A CN 108647959A
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- 235000021167 banquet Nutrition 0.000 claims abstract description 128
- 230000006399 behavior Effects 0.000 claims description 45
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- 238000012790 confirmation Methods 0.000 claims description 12
- 239000002344 surface layer Substances 0.000 claims description 9
- 230000003542 behavioural effect Effects 0.000 claims description 3
- 230000008569 process Effects 0.000 abstract description 19
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- 238000010586 diagram Methods 0.000 description 7
- 238000011156 evaluation Methods 0.000 description 6
- 230000007246 mechanism Effects 0.000 description 6
- 238000012544 monitoring process Methods 0.000 description 5
- 238000013461 design Methods 0.000 description 4
- 239000000463 material Substances 0.000 description 4
- 230000001105 regulatory effect Effects 0.000 description 4
- 238000004590 computer program Methods 0.000 description 3
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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
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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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
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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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Abstract
The present invention proposes that a kind of indicating risk method when on-line payment, this method include：When listening to the open command of the payment page, obtains and relevant information on services and judge whether the information on services meets preset implied condition with currently merchandising；When determining that the information on services meets preset implied condition, the prompt control of the access entrance of prompt file corresponding with the information on services is provided in the payment page makeup；When listening to the clicking operation to the prompt control, prompt file corresponding with the information on services is inquired, show the prompt file and makes the temporary suspend mode of the payment page.The present invention also proposes indicating risk device, computer equipment and the computer readable storage medium when on-line payment.The present invention is by the sales process of insurance products, in payment link setting prompt facility to prompt the related accurate policy information of client, to realize to attending a banquet and its supervision of team, evading insurance fraud and implementation rule is flexible.
Description
Technical field
The present invention relates to indicating risk method and devices when insurance financial field more particularly to a kind of on-line payment.
Background technology
In insurance industry, since supervision is insufficient, some team are in order to promote achievement, in the process of insurance products sale
In, it ensures that manifest interest induction client handles declaration form using loan, credit card etc. is done, that is, carries out insurance fraud behavior, influence company reputation.
Currently, the sales process of insurance products does not have a set of perfect mechanism of control.For example, often occurring not for some
Good sales figure attend a banquet and its team leads to situations such as insurance fraud, cheat loan occur, shadow without a set of targetedly mechanism of control
Consumer's interests are rung.In addition, for the age is relatively low or age higher client, possible judgement is insufficient, due to may not be used
The data source leaned on is referred to, and risk of error is susceptible to when buying insurance.
Therefore, in existing technical solution, declaration form Sales Supervisor's mechanism is not perfect, evades insurance fraud mechanism underaction, shadow
Ring company reputation, and poor user experience.
Invention content
It indicating risk method and corresponding device, computer equipment when the present invention provides a kind of on-line payment and readable deposits
Storage media, main purpose are to supervise to selling to attend a banquet by the way that corresponding prompt facility is arranged in the sales process of declaration form
Pipe.
The present invention also provides the computer equipments of a kind of indicating risk method when on-line payment being used to execute the present invention
And readable storage medium storing program for executing.
To solve the above problems, the present invention uses the technical solution of following various aspects：
In a first aspect, a kind of indicating risk method when present invention provides on-line payment, including：
When listening to the open command of the payment page, obtains and relevant information on services and judge the clothes with currently merchandising
Whether business information meets preset implied condition；
When determining that the information on services meets preset implied condition, provided and the clothes in the payment page makeup
The prompt control of the access entrance of the corresponding prompt file of information of being engaged in；
When listening to the clicking operation to the prompt control, prompt file corresponding with the information on services, exhibition are inquired
Show the prompt file and makes the temporary suspend mode of the payment page.
Specifically, described when listening to the clicking operation to the prompt control, inquiry is corresponding with the information on services
File is prompted, show the prompt file and is carried out after prompting accordingly before so that the temporary suspend mode of the payment page is opened,
Further include：
The confirmation instruction that the corresponding prompt of the prompt file passes through is received, activates the payment page to be paid；
Or receive the corresponding prompt of the prompt file not by instruction when, terminate the payment page to prevent to prop up
It pays.
Specifically, the information on services includes following any one or arbitrary multinomial：
It attends a banquet or attends a banquet in preset period of time the historical behavior data of team, the history for team of attending a banquet or attend a banquet in preset period of time
Attend a banquet or attend a banquet in sales data, preset period of time team prompt by data, preset blacklist, service type, currently connect
Conquer the customer information and customer historical behavioral data and default protection list of business.
Specifically, the preset implied condition includes following any one or arbitrary multinomial：
The record of bad behavior attended a banquet or attended a banquet in preset period of time in the historical behavior data of team is more than predetermined threshold value；
Attend a banquet or attend a banquet in preset period of time team historic sales data be more than predetermined threshold value；
Attend a banquet or attend a banquet in preset period of time team prompt by data be less than predetermined threshold value；
The corresponding identification information of team of attending a banquet or attend a banquet is present in the default blacklist；
The customer information that the current service type belongs to preset service type and currently reception services is contained in described
In default protection list.
Preferably, the prompt control is the dynamic image control for floating and being showed in display page surface layer.
Specifically, the prompt file includes voice document or video file, the content of the prompt file includes and works as
At least one of in preceding relevant service fee of merchandising, service guarantee clause and service points for attention.
Specifically, inquiry prompt file corresponding with the information on services, specifically includes：
Prompt file corresponding with the service type is inquired according to the service type in current service information.
Second aspect, the present invention provide indicating risk device when a kind of on-line payment, including：
Judgment module, for when listening to the open command of the payment page, obtaining and believing with relevant service of currently merchandising
It ceases and judges whether the information on services meets preset implied condition；
Module is built, for when determining that the information on services meets preset implied condition, in the payment page structure
Build the prompt control for the access entrance that prompt file corresponding with the information on services is provided；
Display module, for when listening to the clicking operation to the prompt control, it is corresponding to inquire the information on services
File is prompted, show the prompt file and makes the temporary suspend mode of the payment page.
The third aspect, the present invention provide a kind of computer equipment, including memory and processor, are stored in the memory
There is computer-readable instruction, when the computer-readable instruction is executed by the processor so that the processor executes as above
The step of stating indicating risk method when on-line payment described in first aspect.
Fourth aspect, a kind of computer readable storage medium, which is characterized in that wrapped in the computer readable storage medium
It includes attention program when on-line payment, when the attention program when on-line payment is executed by processor, realizes such as above-mentioned first
The step of indicating risk method when on-line payment described in aspect.
Compared with the existing technology, technical scheme of the present invention at least has following advantage：
1, indicating risk method when a kind of on-line payment of present invention offer, the unlatching behavior of the page is paid by monitoring,
When listen to will enter the payment page when, acquisition, which is currently merchandised, relevant information on services and judges whether the information on services full
The preset implied condition of foot；After judging that the information on services meets preset implied condition, in payment page makeup prompt control
Part is simultaneously shown；When receiving the instruction for clicking the prompt control, according to the corresponding prompt file of current service information inquiry, and open up
Show the prompt file to be prompted accordingly before payment page unlatching.The present invention is realized by the mechanism to insurance
The supervision of product sales process to evade insurance fraud, behavior of cheating loan.
2, indicating risk method when a kind of on-line payment of the present invention is after showing the prompt control, Ke Yijie
The confirmation instruction that prompt input by user passes through is received, is normally paid with jumping to the payment page, or receive input by user
Prompt not by instruction breaks pay the page unlatching process.Client sits by comparing the content of the prompt file with sale
Whether content described in seat unanimously decide whether to buy insurance products, the information independently judged the present invention provides client according to
According to, avoid sale the malice insurance fraud attended a banquet, behavior of cheating loan, ensured the interests of consumer.
3, the present invention is attended a banquet by sale respectively and customer perspective sets regulatory rule, by judging to attend a banquet or client
Historical data is to determine whether meet preset implied condition.Specifically, foundation of the present invention：It attends a banquet or attends a banquet in preset period of time
The historical behavior data of team, attend a banquet or the historic sales data for team of attending a banquet, attend a banquet or the prompt for team of attending a banquet by data,
Preset blacklist, service type, the current customer information for receiving service and customer historical behavioral data and default protection name
The multi-angles such as single data for supervise etc. of attending a banquet to sale judge whether it meets preset implied condition to final
It realizes the supervision of sales process attended a banquet to sale, promotes the flexibility of regulatory rule and comprehensive.
4, prompt control of the present invention can be dynamic image control, and the displaying that can float is illustrated in display page table
Layer is illustrated in display page surface layer with the floating of irregular floating path, and the shape of the motion graphics control can be bubble
The diversified forms such as bubble, balloon, cloud cluster.The present invention can be attracted clients by the mechanism note that or increase interest,
Improve the flexibility of this programme.
To sum up, the present invention solves in the prior art, is sold in insurance products since supervision deficiency causes sale to be attended a banquet
The insurance fraud that occurs in the process, the problems such as cheating loan, the supervision of the sales process of insurance products is improved, insurance fraud can be evaded,
And regulatory rule is flexible.
Description of the drawings
A kind of embodiment flow diagram of indicating risk method when Fig. 1 is on-line payment of the present invention；
Indicating risk method another kind embodiment flow diagram when Fig. 2 is on-line payment of the present invention；
A kind of embodiment flow diagram of risk indicating risk device when Fig. 3 on-line payments of the present invention；
Risk indicating risk device another kind embodiment flow diagram when Fig. 4 on-line payments of the present invention；
Fig. 5 is the internal structure block diagram of one embodiment Computer equipment.
The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.
Specific implementation mode
In order to enable those skilled in the art to better understand the solution of the present invention, below in conjunction in the embodiment of the present invention
Attached drawing, technical scheme in the embodiment of the invention is clearly and completely described.
In some flows of description in description and claims of this specification and above-mentioned attached drawing, contain according to
Multiple operations that particular order occurs, but it should be clearly understood that these operations can not be what appears in this article suitable according to its
Sequence is executed or is executed parallel, and serial number such as S11, S12 of operation etc. be only used for distinguishing each different operation, serial number
It itself does not represent and any executes sequence.In addition, these flows may include more or fewer operations, and these operations can
To execute or execute parallel in order.It should be noted that the descriptions such as " first " herein, " second ", are for distinguishing not
Same message, equipment, module etc., does not represent sequencing, does not also limit " first " and " second " and be different type.
It will appreciated by the skilled person that unless expressly stated, singulative " one " used herein, " one
It is a ", " described " and "the" may also comprise plural form.It is to be further understood that is used in the specification of the present invention arranges
It refers to there are the feature, integer, step, operation, element and/or component, but it is not excluded that presence or addition to take leave " comprising "
Other one or more features, integer, step, operation, element, component and/or their group.It should be understood that when we claim member
Part is " connected " or when " coupled " to another element, it can be directly connected or coupled to other elements, or there may also be
Intermediary element.In addition, " connection " used herein or " coupling " may include being wirelessly connected or wirelessly coupling.It is used herein to arrange
Diction "and/or" includes that the whole of one or more associated list items or any cell are combined with whole.
It will appreciated by the skilled person that unless otherwise defined, all terms used herein (including technology art
Language and scientific terminology), there is meaning identical with the general understanding of the those of ordinary skill in fields of the present invention.Should also
Understand, those terms such as defined in the general dictionary, it should be understood that have in the context of the prior art
The consistent meaning of meaning, and unless by specific definitions as here, the meaning of idealization or too formal otherwise will not be used
To explain.
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation describes, and in which the same or similar labels are throughly indicated same or similar element or has same or like function
Element.Obviously, described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.Based on this
Embodiment in invention, the every other implementation that those skilled in the art are obtained without creative efforts
Example, shall fall within the protection scope of the present invention.
Referring to Fig. 1, indicating risk method when a kind of on-line payment provided by the present invention, wherein specific a kind of
In embodiment, include the following steps：
S11, when listening to the open command of the payment page, obtain and relevant information on services and judge institute with currently merchandising
State whether information on services meets preset implied condition.
In the embodiment of the present invention, by monitoring pay the page unlatching behavior, pay the page will open when, obtain with
Relevant information on services currently merchandise to judge whether it meets preset implied condition according to the information on services.It is preset to carry
Show that condition respectively judges the information on services from angle and customer perspective is attended a banquet, by judging to attend a banquet or client goes through
History data judge whether it meets preset implied condition.
Specifically, may include following any one from information on services described in angle of attending a banquet or arbitrary multinomial：
It attends a banquet or attends a banquet in preset period of time the historical behavior data of team, the history for team of attending a banquet or attend a banquet in preset period of time
The prompt of team of attending a banquet or attend a banquet in sales data, preset period of time passes through data, preset blacklist, service type.
The present invention can be by obtaining team of attending a banquet or attend a banquet in nearest preset time period in one of the embodiments,
Historical behavior data.Team is attended a banquet or attended a banquet to the historical behavior data of the team of attending a banquet or attend a banquet in the course of work for recording
In behavior or acquisition evaluation, bad behavior data and unfavorable ratings data are referred specifically to, for example, insurance fraud, cheating loan, being complained
And it is penalized etc..The Bn assuming that each bad behavior data are denoted as B1, B2 respectively ..., each unfavorable ratings data be denoted as respectively E1,
E2……En。
If getting team of attending a banquet or attend a banquet in nearest preset time period, there are bad behavior data or unfavorable ratings numbers
According to then whether meeting preset implied condition according to the bad behavior data or unfavorable ratings data judging.
In a kind of possible design, if the function of preset implied condition is F=B1 × K1+B2 × K2 ...+Bn × Kn+
E1 × J1+E2 × J2 ...+En × Jn is then judged to meeting preset implied condition when F is more than predetermined threshold value.Wherein, B1
~Bn is the number of various bad behaviors, and K1~Kn is the weight coefficient of various bad behaviors.E1~En is various unfavorable ratings
Number, J1~Jn be various unfavorable ratings weight coefficient.Weight coefficient is according to experience sets itself.
It illustrates, it is assumed that there are three types of bad rows：Insurance fraud (number B1=3), partially loan (number B2=6), contract are deceived (secondary
Number B3=1), there are two types of unfavorable ratings：Complained (number E1=8), penalized (number E2=5).Then there is F according to above-mentioned formula
=3 × K1+6 × K2+1 × K3+8 × J1+5 × J2.
Further, nearest preset time period can be continued to be subdivided into multiple sub- periods, each sub- period is corresponding
Conditional function is respectively F1, F2 ... Fn, and then each the sub- period distributes different time weighting coefficient Ts 1, T2 ... Tn,
The weight coefficient of time closer sub- period is bigger, i.e. T1 ＜ T2 ＜ ... ＜ Tn.Then conditional function=F1 × T1+F2 × T2
+ ...+Fn × Tn is judged to meeting preset voice informing condition when F is more than predetermined threshold value.
In another embodiment of the present invention, the historical sales for team of attending a banquet or attend a banquet in nearest preset time period are obtained
Data.The historic sales data is for recording the sales figure of team during the work time of attending a banquet or attend a banquet, including sales slip
Number, sale average amount, sale speed etc..
Further, it signs a bill note there are doubtful exception if getting team of attending a banquet or attend a banquet in nearest preset time period
Record then determines whether to meet preset implied condition according to doubtful exception record of signing a bill.The doubtful exception, which is signed a bill, records master
If it is more than default singular threshold value that stylus pin, which sells odd number, sale average amount is less than preset cost, and sale speed is higher than pre-set velocity,
Then can determine whether to may be to attend a banquet or attend a banquet that there may be brush single acts to improve credit worthiness or evaluating deg for team.
Further, sale odd number Q is more than default singular threshold value q, and sells average amount M and be less than preset cost m, and is sold
It sells speed V and is higher than pre-set velocity v, is i.e. above three condition meets exceptional condition simultaneously and can judge to meet preset prompt item
Part.If conditional function is F=(Q >=q) ＆ (M >=m) ＆ (V >=v), ＆ is AND operator number, then meets preset prompt item when F=1
Part.
Further, nearest preset time period is continued to be subdivided into multiple sub- periods, each sub- period corresponding item
Part function is respectively F1, F2 ... Fn, then each period distribute different time weighting coefficient Ts 1, T2 ... Tn, time
The weight coefficient of closer sub- period is bigger, i.e. T1 ＜ T2 ＜ ... ＜ Tn.Then conditional function=F1 × T1+F2 × T2
+ ...+Fn × Tn is judged to meeting preset implied condition when F is more than predetermined threshold value.
In another embodiment of the present invention, pass through the history for team of attending a banquet or attend a banquet in the nearest preset time period of acquisition
Prompt passes through data.The history prompt is passed through by data for recording prompt of the team in sales process of attending a banquet or attend a banquet
Rate.
If prompt percent of pass is less than default percent of pass threshold value in nearest preset time period, judgement meets preset prompt
Condition.Such as voice informing percent of pass of the team in nearest three months of attending a banquet or attend a banquet is 65%, and default percent of pass threshold value
It is 75%, then judgement meets preset implied condition.
In another embodiment of the present invention, by pre-setting blacklist, the blacklist is for recording due to various
Bad behavior, unfavorable ratings exist and sign a bill extremely, prompt percent of pass is low to attend a banquet.
By obtaining the unique mark attended a banquet, the unique mark attended a banquet is compared in blacklist.Unique mark
Know can be its identity of the employee number attended a banquet or other unique marks information.If the unique mark attended a banquet is in described black
In list, then judgement meets preset implied condition.The present invention is simple direct by the way that blacklist system is arranged.
In another embodiment of the present invention, by obtaining the service type in current service information.The current clothes
Service type is the service type that existing customer is being bought, for example, the services such as personal insurance, loan that client currently buys.
If current service type belongs to preset service type, judgement meets preset implied condition.Preset service class
Type, such as can be plus protect service, comprehensive gold service, financial service type, these service risks may be higher, needs to client
It is prompted to reduce client's risk of error.
In addition, may include following any one from information on services described in customer perspective or arbitrary multinomial：
The current customer information for receiving service, its historical behavior data and default protection list.
In one embodiment of the invention, by obtaining customer information, to obtain the age information of client.If objective
The family age is less than the first default age (such as 20) or is higher than the second default age (such as 60), then judgement meets preset prompt item
Part.Age is relatively low or the age is higher, and possible judgement is insufficient, needs to prompt client, to reduce client's risk of error.
In another embodiment of the present invention, pass through the historical behavior data of acquisition client.The history row of the client
For data record client in service process behavior record, such as by insurance fraud record, the record of cheated credit, complain record, praise and remember
Record etc..
It is recorded by insurance fraud record, cheated credit record or complaint if client exists, judgement meets preset implied condition.
Client once by insurance fraud, cheated loan or once carried out complaint, it was demonstrated that client itself is higher by insurance fraud, the probability cheated loan, or
Person's customer requirement may be higher, needs to prompt client, with reduce client by insurance fraud, by risk of cheating loan, or improve customer experience.
In another embodiment of the present invention, by pre-setting protection list, the protection name unirecord is due to various
Pay particular attention to protection client, such as honorable client, low age client, advanced age client, once by the client of insurance fraud, once by
The client to cheat loan, the client repeatedly complained.
The unique mark for obtaining client, the unique mark of client is compared in protecting list.Unique mark can be with
It is customer's identity card number, customer number, Client handset number etc..If the unique mark of client is present in protection list,
Then judgement meets preset implied condition.Embodiment setting protection list system, it is simple to operation.
S12, when determining that the information on services meets preset implied condition, the payment page makeup provide and institute
State the prompt control of the access entrance of the corresponding prompt file of information on services.
In the embodiment of the present invention, in order to make client notice the prompt control as far as possible, the prompt control is fabricated
Can be exported in the form of motion graphics control later in user interface for user's operation, more intuitively, the motion graphics
Control floating is illustrated in display page surface layer, and the usual motion graphics control is illustrated in aobvious with the floating of irregular floating path
Show page surface layer.
Preferably, the motion graphics control floating is illustrated in display page surface layer, and is located at page word content region
Setting regions in addition does not influence the reading of normal page word.
Preferably, the shape of the motion graphics control is to imitate the shape of floating material.The floating material includes below
At least one of：Bubble, balloon, cloud cluster.It can be different size of bubble, can also be the bubble of different colours, with enhancing
The flexibility of this programme and interest, attract clients attention.
S13, when listening to the clicking operation to the prompt control, it is literary to inquire corresponding with information on services prompt
Part shows the prompt file and makes the temporary suspend mode of the payment page.
In the embodiment of the present invention, the service type inquiry in concrete foundation current service information is corresponding with the service type
Prompt file.
The service type is the service type that existing customer is being bought, for example, the person that client is currently buying
The services such as insurance, loan.
The prompt file is to prerecord and store, and different service types corresponds to respective prompt file, example
There are accident insurance, personal insurance, endowment insurance, dangers of going on a tour, different insurance types correspondence to store respectively in such as insurance service
Prompt file.There are housing loan, vehicles to borrow in financial service, commercially loan etc., different loan types correspondence store respective
Prompt file.
It should be noted that the prompt file its can be voice document can also be video file.
The prompt file is commonly used in illustrating the contents such as service fee, service guarantee clause and service points for attention,
For example, for illustrating declaration form content, declaration form expense, guarantee project, loan clause, loan points for attention etc. sensitive information, make
Client can be judged whether according to the explanation of prompt file with sale attend a banquet described in it is consistent, to voluntarily judge whether to be cheated
It protects or cheats loan.
In one of the embodiments, when the prompt file is voice document, also while the corresponding voice text is shown
The explanatory note content of part.There is explanatory note content simultaneously, the client that can be more convenient for understands service content.
It, can be by declaration form content, declaration form expense, guarantee project, loan clause, loan when the prompt file is video file
Money points for attention are played out in the form of introducing video or introducing animation, visual pattern.
Further, when listening to the clicking operation to the control, the motion graphics control is eliminated, shows corresponding institute
The explanatory note content of voice file.
Preferably, when listening to the clicking operation to the control, the motion graphics control is eliminated, is shown described in corresponding to
Voice document introduces video or introduces animation.
Further, the elimination motion graphics control includes any one below：
So that the motion graphics control disintegrates, scatters and disappear；
So that the motion graphics control dissolving and disappearance.
When the shape of the motion graphics control is bubble, balloon, cloud cluster, it can show that bubble is quick-fried simultaneously when clicking
It splits, the effect that balloon burst, cloud cluster dissipate, while may be accompanied with audio frequencies such as corresponding " " " bang ", increase interesting so that
Client is less nervous serious when buying service, enhances user experience.
Further include a step referring to FIG. 2, in an alternative embodiment of the invention：
S14, the prompt file is corresponding to prompt the confirmation passed through instruction for receiving, activate the payment page with into
Row payment, or receive the corresponding prompt of the prompt file not by instruction when, terminate the payment page to prevent to pay.
In the embodiment of the present invention, after the prompt file finishes, the prompt control breaking dormancy, at this point,
Can by accept confirmation instruction with carry out the page redirect or receive prompt not by instruction, interruption payment process.
In a kind of possible design, the button of " prompt passes through " and " prompt does not pass through ", client are provided on a user interface
Judgement buy service it is out of question after, can by click this " prompt passes through " button with input validation payment instruction to carry out
Normal payment.
When client judge buy service it is problematic after, can be by clicking the button that be somebody's turn to do " prompt do not pass through " to input in
Disconnected payment instruction interrupts payment program.
System records the operation of client, and be added sale attend a banquet record in and customer information in, in order to right
It attends a banquet and supervise and client is protected.
The evaluation information attended a banquet to sale for receiving client's input in one of the embodiments, believes according to the evaluation
Breath updates attend a banquet historic sales data or historical behavior data.
Referring to FIG. 3, indicating risk device when the embodiment of the present invention also provides a kind of on-line payment, a kind of implementation
In example, including judgment module 11, structure module 12, display module 13, in addition in embodiment as shown in Figure 4, which further includes
Confirmation module 14.Wherein,
Judgment module 11, for when listening to the open command of the payment page, obtaining and relevant service of currently merchandising
Information simultaneously judges whether the information on services meets preset implied condition.
In the embodiment of the present invention, by monitoring pay the page unlatching behavior, pay the page will open when, obtain with
Relevant information on services currently merchandise to judge whether it meets preset implied condition according to the information on services.It is preset to carry
Show that condition respectively judges the information on services from angle and customer perspective is attended a banquet, by judging to attend a banquet or client goes through
History data judge whether it meets preset implied condition.
Specifically, may include following any one from information on services described in angle of attending a banquet or arbitrary multinomial：
It attends a banquet or attends a banquet in preset period of time the historical behavior data of team, the history for team of attending a banquet or attend a banquet in preset period of time
The prompt of team of attending a banquet or attend a banquet in sales data, preset period of time passes through data, preset blacklist, service type.
The present invention can be by obtaining team of attending a banquet or attend a banquet in nearest preset time period in one of the embodiments,
Historical behavior data.Team is attended a banquet or attended a banquet to the historical behavior data of the team of attending a banquet or attend a banquet in the course of work for recording
In behavior or acquisition evaluation, bad behavior data and unfavorable ratings data are referred specifically to, for example, insurance fraud, cheating loan, being complained
And it is penalized etc..The Bn assuming that each bad behavior data are denoted as B1, B2 respectively ..., each unfavorable ratings data be denoted as respectively E1,
E2……En。
If getting team of attending a banquet or attend a banquet in nearest preset time period, there are bad behavior data or unfavorable ratings numbers
According to then whether meeting preset implied condition according to the bad behavior data or unfavorable ratings data judging.
In a kind of possible design, if the function of preset implied condition is F=B1 × K1+B2 × K2 ...+Bn × Kn+
E1 × J1+E2 × J2 ...+En × Jn is then judged to meeting preset implied condition when F is more than predetermined threshold value.Wherein, B1
~Bn is the number of various bad behaviors, and K1~Kn is the weight coefficient of various bad behaviors.E1~En is various unfavorable ratings
Number, J1~Jn be various unfavorable ratings weight coefficient.Weight coefficient is according to experience sets itself.
It illustrates, it is assumed that there are three types of bad rows：Insurance fraud (number B1=3), partially loan (number B2=6), contract are deceived (secondary
Number B3=1), there are two types of unfavorable ratings：Complained (number E1=8), penalized (number E2=5).Then there is F according to above-mentioned formula
=3 × K1+6 × K2+1 × K3+8 × J1+5 × J2.
Further, nearest preset time period can be continued to be subdivided into multiple sub- periods, each sub- period is corresponding
Conditional function is respectively F1, F2 ... Fn, and then each the sub- period distributes different time weighting coefficient Ts 1, T2 ... Tn,
The weight coefficient of time closer sub- period is bigger, i.e. T1 ＜ T2 ＜ ... ＜ Tn.Then conditional function=F1 × T1+F2 × T2
+ ...+Fn × Tn is judged to meeting preset voice informing condition when F is more than predetermined threshold value.
In another embodiment of the present invention, the historical sales for team of attending a banquet or attend a banquet in nearest preset time period are obtained
Data.The historic sales data is for recording the sales figure of team during the work time of attending a banquet or attend a banquet, including sales slip
Number, sale average amount, sale speed etc..
Further, it signs a bill note there are doubtful exception if getting team of attending a banquet or attend a banquet in nearest preset time period
Record then determines whether to meet preset implied condition according to doubtful exception record of signing a bill.The doubtful exception, which is signed a bill, records master
If it is more than default singular threshold value that stylus pin, which sells odd number, sale average amount is less than preset cost, and sale speed is higher than pre-set velocity,
Then can determine whether to may be to attend a banquet or attend a banquet that there may be brush single acts to improve credit worthiness or evaluating deg for team.
Further, sale odd number Q is more than default singular threshold value q, and sells average amount M and be less than preset cost m, and is sold
It sells speed V and is higher than pre-set velocity v, is i.e. above three condition meets exceptional condition simultaneously and can judge to meet preset prompt item
Part.If conditional function is F=(Q >=q) ＆ (M >=m) ＆ (V >=v), ＆ is AND operator number, then meets preset prompt item when F=1
Part.
Further, nearest preset time period is continued to be subdivided into multiple sub- periods, each sub- period corresponding item
Part function is respectively F1, F2 ... Fn, then each period distribute different time weighting coefficient Ts 1, T2 ... Tn, time
The weight coefficient of closer sub- period is bigger, i.e. T1 ＜ T2 ＜ ... ＜ Tn.Then conditional function=F1 × T1+F2 × T2
+ ...+Fn × Tn is judged to meeting preset implied condition when F is more than predetermined threshold value.
In another embodiment of the present invention, pass through the history for team of attending a banquet or attend a banquet in the nearest preset time period of acquisition
Prompt passes through data.The history prompt is passed through by data for recording prompt of the team in sales process of attending a banquet or attend a banquet
Rate.
If prompt percent of pass is less than default percent of pass threshold value in nearest preset time period, judgement meets preset prompt
Condition.Such as voice informing percent of pass of the team in nearest three months of attending a banquet or attend a banquet is 65%, and default percent of pass threshold value
It is 75%, then judgement meets preset implied condition.
In another embodiment of the present invention, by pre-setting blacklist, the blacklist is for recording due to various
Bad behavior, unfavorable ratings exist and sign a bill extremely, prompt percent of pass is low to attend a banquet.
By obtaining the unique mark attended a banquet, the unique mark attended a banquet is compared in blacklist.Unique mark
Know can be its identity of the employee number attended a banquet or other unique marks information.If the unique mark attended a banquet is in described black
In list, then judgement meets preset implied condition.The present invention is simple direct by the way that blacklist system is arranged.
In another embodiment of the present invention, by obtaining the service type in current service information.The current clothes
Service type is the service type that existing customer is being bought, for example, the services such as personal insurance, loan that client currently buys.
If current service type belongs to preset service type, judgement meets preset implied condition.Preset service class
Type, such as can be plus protect service, comprehensive gold service, financial service type, these service risks may be higher, needs to client
It is prompted to reduce client's risk of error.
In addition, may include following any one from information on services described in customer perspective or arbitrary multinomial：
The current customer information for receiving service, its historical behavior data and default protection list.
In one embodiment of the invention, by obtaining customer information, to obtain the age information of client.If objective
The family age is less than the first default age (such as 20) or is higher than the second default age (such as 60), then judgement meets preset prompt item
Part.Age is relatively low or the age is higher, and possible judgement is insufficient, needs to prompt client, to reduce client's risk of error.
In another embodiment of the present invention, pass through the historical behavior data of acquisition client.The history row of the client
For data record client in service process behavior record, such as by insurance fraud record, the record of cheated credit, complain record, praise and remember
Record etc..
It is recorded by insurance fraud record, cheated credit record or complaint if client exists, judgement meets preset implied condition.
Client once by insurance fraud, cheated loan or once carried out complaint, it was demonstrated that client itself is higher by insurance fraud, the probability cheated loan, or
Person's customer requirement may be higher, needs to prompt client, with reduce client by insurance fraud, by risk of cheating loan, or improve customer experience.
In another embodiment of the present invention, by pre-setting protection list, the protection name unirecord is due to various
Pay particular attention to protection client, such as honorable client, low age client, advanced age client, once by the client of insurance fraud, once by
The client to cheat loan, the client repeatedly complained.
The unique mark for obtaining client, the unique mark of client is compared in protecting list.Unique mark can be with
It is customer's identity card number, customer number, Client handset number etc..If the unique mark of client is present in protection list,
Then judgement meets preset implied condition.Embodiment setting protection list system, it is simple to operation.
Module 12 is built, for when determining that the information on services meets preset implied condition, in the payment page
Structure provides the prompt control of the access entrance of prompt file corresponding with the information on services.
In the embodiment of the present invention, in order to make client notice the prompt control as far as possible, the prompt control can be
Motion graphics control, the motion graphics control floating are illustrated in display page surface layer, and the usual motion graphics control is not with
The floating path of rule, which is floated, is illustrated in display page surface layer.
Preferably, the motion graphics control floating is illustrated in display page surface layer, and is located at page word content region
Setting regions in addition does not influence the reading of normal page word.
Preferably, the shape of the motion graphics control is to imitate the shape of floating material.The floating material includes below
At least one of：Bubble, balloon, cloud cluster.It can be different size of bubble, can also be the bubble of different colours, with enhancing
The flexibility of this programme and interest, attract clients attention.
Display module 13, for when listening to the clicking operation to the prompt control, inquiring and the information on services pair
The prompt file answered shows the prompt file and makes the temporary suspend mode of the payment page.
In the embodiment of the present invention, the service type inquiry in concrete foundation current service information is corresponding with the service type
Prompt file.
The service type is the service type that existing customer is being bought, for example, the person that client is currently buying
The services such as insurance, loan.
The prompt file is to prerecord and store, and different service types corresponds to respective prompt file, example
There are accident insurance, personal insurance, endowment insurance, dangers of going on a tour, different insurance types correspondence to store respectively in such as insurance service
Prompt file.There are housing loan, vehicles to borrow in financial service, commercially loan etc., different loan types correspondence store respective
Prompt file.
It should be noted that the prompt file its can be voice document can also be video file.
The prompt file is commonly used in illustrating the contents such as service fee, service guarantee clause and service points for attention,
For example, for illustrating declaration form content, declaration form expense, guarantee project, loan clause, loan points for attention etc. sensitive information, make
Client can be judged whether according to the explanation of prompt file with sale attend a banquet described in it is consistent, to voluntarily judge whether to be cheated
It protects or cheats loan.
In one of the embodiments, when the prompt file is voice document, also while the corresponding voice text is shown
The explanatory note content of part.There is explanatory note content simultaneously, the client that can be more convenient for understands service content.
It, can be by declaration form content, declaration form expense, guarantee project, loan clause, loan when the prompt file is video file
Money points for attention are played out in the form of introducing video or introducing animation, visual pattern.
Further, when listening to the clicking operation to the control, the motion graphics control is eliminated, shows corresponding institute
The explanatory note content of voice file.
Preferably, when listening to the clicking operation to the control, the motion graphics control is eliminated, is shown described in corresponding to
Voice document introduces video or introduces animation.
Further, the elimination motion graphics control includes any one below：
So that the motion graphics control disintegrates, scatters and disappear；
So that the motion graphics control dissolving and disappearance.
When the shape of the motion graphics control is bubble, balloon, cloud cluster, it can show that bubble is quick-fried simultaneously when clicking
It splits, the effect that balloon burst, cloud cluster dissipate, while may be accompanied with audio frequencies such as corresponding " " " bang ", increase interesting so that
Client is less nervous serious when buying service, enhances user experience.
Further include a module referring to FIG. 4, in an alternative embodiment of the invention：
Confirmation module 14, the confirmation instruction passed through for receiving the corresponding prompt of the prompt file, activates the payment
The page to be paid, or receive the corresponding prompt of the prompt file not by instruction when, terminate the payment page with
Prevent payment.
In the embodiment of the present invention, after the prompt file finishes, the prompt control breaking dormancy, at this point, can
With by accept confirmation instruction with carry out the page redirect or receive prompt not by instruction, interruption payment process.
In a kind of possible design, the button of one " prompt passes through " and " prompt does not pass through " is provided on a user interface,
Client judge buy service it is out of question after, can by click this " prompt passes through " button with input validation payment instruction with
It is paid.
When client judge buy service it is problematic after, can be by clicking the button that be somebody's turn to do " prompt do not pass through " to input in
Disconnected payment instruction interrupts payment program.
System records the operation of client, and be added sale attend a banquet record in and customer information in, in order to right
It attends a banquet and supervise and client is protected.
The evaluation information attended a banquet to sale for receiving client's input in one of the embodiments, believes according to the evaluation
Breath updates attend a banquet historic sales data or historical behavior data.
In one embodiment, the invention also provides a kind of computer equipment, the computer equipment include memory,
Processor and it is stored in the computer program that can be run on the memory and on the processor, the processor executes institute
Following steps are realized when stating computer program：When listen to payment the page open command when, obtain with currently merchandise it is relevant
Information on services simultaneously judges whether the information on services meets preset implied condition；When determining that it is preset that the information on services meets
When implied condition, the prompt of the access entrance of prompt file corresponding with the information on services is provided in the payment page makeup
Control；When listening to the clicking operation to the prompt control, prompt file corresponding with the information on services is inquired, shows institute
It states prompt file and makes the temporary suspend mode of the payment page.
In one embodiment, following steps are also executed when processor executes computer-readable instruction：Receive the prompt
File is corresponding to prompt the confirmation passed through instruction, activates the payment page to be paid, or receive the prompt file pair
The prompt answered not by instruction when, terminate the payment page to prevent to pay.
Referring to FIG. 5, Fig. 5 is the internal structure schematic diagram of one embodiment Computer equipment.As shown in figure 5, the meter
It includes processor, non-volatile memory medium, memory and the network interface connected by system bus to calculate machine equipment.Wherein,
The non-volatile memory medium of the computer equipment is stored with operating system, database and computer-readable instruction, in database
It can be stored with control information sequence, when which is executed by processor, it is a kind of online to may make that processor is realized
In indicating risk device when indicating risk method when payment, processor can realize the on-line payment in embodiment illustrated in fig. 3
Judgment module, build module and display module function.The processor of the computer equipment calculates and controls energy for providing
Power supports the operation of entire computer equipment.Computer-readable instruction can be stored in the memory of the computer equipment, the meter
When calculation machine readable instruction is executed by processor, processor may make to execute a kind of gesture test method.The net of the computer equipment
Network interface is used for and terminal connection communication.It will be understood by those skilled in the art that structure shown in Fig. 5, only with this Shen
Please the relevant part-structure of scheme block diagram, do not constitute the limit for the computer equipment being applied thereon to application scheme
Fixed, specific computer equipment may include either combining certain components or tool than more or fewer components as shown in the figure
There is different component arrangements.
In one embodiment, the invention also provides a kind of storage medium being stored with computer-readable instruction, the meters
When calculation machine readable instruction is executed by one or more processors so that one or more processors execute following steps：Work as monitoring
To the payment page open command when, obtain and relevant information on services and judge whether the information on services meets with currently merchandising
Preset implied condition；When determining that the information on services meets preset implied condition, provided in the payment page makeup
The prompt control of the access entrance of prompt file corresponding with the information on services；It is grasped when listening to the click to the prompt control
When making, prompt file corresponding with the information on services is inquired, show the prompt file and the payment page is made temporarily to stop
It sleeps.
In one embodiment, following steps are also executed when processor executes computer-readable instruction：Receive the prompt
File is corresponding to prompt the confirmation passed through instruction, activates the payment page to be paid, or receive the prompt file pair
The prompt answered not by instruction when, terminate the payment page to prevent to pay.
Based on the above embodiments it is found that the maximum advantageous effect of the present invention is：
The present invention provides a kind of indicating risk method when on-line payment, and the unlatching of the page is paid by monitoring, is being paid
Before the page is opened, judge whether current information on services meets preset implied condition, and is judging to meet the implied condition
Control is prompted in payment page makeup afterwards and shown, when receiving the instruction for clicking the prompt control in play cuing file
Hold, to supervise insurance fraud in declaration form sales process, behavior of cheating loan.
Indicating risk method when a kind of on-line payment of the present invention can receive after showing the prompt control
It is input by user to prompt the confirmation passed through instruction, it is normally paid with jumping to the payment page, or receive input by user carry
Show not by instruction breaks pay the page unlatching process, client by comparing it is described prompt file content attend a banquet with sale
Say whether the content of description is unanimously insured to decide whether to buy, the present invention provides the information foundations that client independently judges, keep away
Exempt to sell the malice insurance fraud attended a banquet, behavior of cheating loan, has ensured the interests of consumer.
To sum up, the present invention solves in the prior art, is sold in insurance products since supervision deficiency causes sale to be attended a banquet
The insurance fraud that occurs in the process, the problems such as cheating loan, the supervision of the sales process of insurance products is improved, insurance fraud can be evaded,
And regulatory rule is flexible.
One of ordinary skill in the art will appreciate that realizing all or part of flow in above-described embodiment method, being can be with
Relevant hardware is instructed to complete by computer program, which can be stored in a computer-readable storage and be situated between
In matter, the program is when being executed, it may include such as the flow of the embodiment of above-mentioned each method.Wherein, storage medium above-mentioned can be
The non-volatile memory mediums such as magnetic disc, CD, read-only memory (Read-Only Memory, ROM) or random storage note
Recall body (Random Access Memory, RAM) etc..
Each technical characteristic of embodiment described above can be combined arbitrarily, to keep description succinct, not to above-mentioned reality
It applies all possible combination of each technical characteristic in example to be all described, as long as however, the combination of these technical characteristics is not deposited
In contradiction, it is all considered to be the range of this specification record.
Several embodiments of the invention above described embodiment only expresses, the description thereof is more specific and detailed, but simultaneously
Cannot the limitation to the scope of the claims of the present invention therefore be interpreted as.It should be pointed out that for those of ordinary skill in the art
For, without departing from the inventive concept of the premise, various modifications and improvements can be made, these belong to the guarantor of the present invention
Protect range.Therefore, the protection domain of patent of the present invention should be determined by the appended claims.
Claims (10)
1. a kind of indicating risk method when on-line payment, which is characterized in that the method includes：
When listening to the open command of the payment page, obtains and relevant information on services and judge service letter with currently merchandising
Whether breath meets preset implied condition；
When determining that the information on services meets preset implied condition, provides in the payment page makeup and believe with the service
Cease the prompt control of the access entrance of corresponding prompt file；
When listening to the clicking operation to the prompt control, prompt file corresponding with the information on services is inquired, shows institute
It states prompt file and makes the temporary suspend mode of the payment page.
2. indicating risk method when on-line payment according to claim 1, which is characterized in that described to listen to this
When prompting the clicking operation of control, prompt file corresponding with the information on services is inquired, show the prompt file and makes institute
After stating the payment temporary suspend mode of the page, further include：
The confirmation instruction that the corresponding prompt of the prompt file passes through is received, activates the payment page to be paid；
Or receive the corresponding prompt of the prompt file not by instruction when, terminate the payment page to prevent to pay.
3. indicating risk method when on-line payment according to claim 1, which is characterized in that the information on services includes
Following any one is arbitrary multinomial：
Attend a banquet or attend a banquet in preset period of time the historical behavior data of team, team of attending a banquet or attend a banquet in preset period of time historical sales
The prompt of team of attending a banquet or attend a banquet in data, preset period of time passes through data, preset blacklist, service type, current receives clothes
The customer information and customer historical behavioral data of business and default protection list.
4. indicating risk method when on-line payment according to claim 3, which is characterized in that the preset prompt item
Part includes following any one or more：
The record of bad behavior attended a banquet or attended a banquet in preset period of time in the historical behavior data of team is more than predetermined threshold value；
Attend a banquet or attend a banquet in preset period of time team historic sales data be more than predetermined threshold value；
Attend a banquet or attend a banquet in preset period of time team prompt by data be less than predetermined threshold value；
The corresponding identification information of team of attending a banquet or attend a banquet is present in the default blacklist；
The service type belongs to preset service type and the current customer information for receiving service is contained in the default protection
In list.
5. indicating risk method when on-line payment according to claim 1, which is characterized in that the prompt control is floating
The dynamic dynamic image control for being showed in display page surface layer.
6. indicating risk method when on-line payment according to claim 1, which is characterized in that the prompt file includes
Voice document or video file, it is described prompt file content include and relevant service fee of currently merchandising, service guarantee item
At least one of among money and service points for attention.
7. indicating risk method when on-line payment according to claim 1, which is characterized in that inquiry is believed with the service
Corresponding prompt file is ceased, is specifically included：
Prompt file corresponding with the service type is inquired according to the service type in current service information.
8. indicating risk device when a kind of on-line payment, which is characterized in that including：
Judgment module, for when listening to the open command of the payment page, obtaining and currently merchandising relevant information on services simultaneously
Judge whether the information on services meets preset implied condition；
Module is built, for when determining that the information on services meets preset implied condition, being carried in the payment page makeup
For the prompt control of the access entrance of prompt file corresponding with the information on services；
Display module, for when listening to the clicking operation to the prompt control, inquiring carry corresponding with the information on services
Show file, show the prompt file and makes the temporary suspend mode of the payment page.
9. a kind of computer equipment, which is characterized in that including memory and processor, being stored with computer in the memory can
Reading instruction, when the computer-readable instruction is executed by the processor so that the processor executes such as claim 1 to 7
Any one of described in claim the step of indicating risk method when on-line payment.
10. a kind of computer readable storage medium, which is characterized in that the computer readable storage medium includes on-line payment
When attention program, when the attention program when on-line payment is executed by processor, realize as any in claim 1 to 7
Described in on-line payment when indicating risk method the step of.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810291427.XA CN108647959B (en) | 2018-03-30 | 2018-03-30 | Risk prompt method and device during online payment |
| PCT/CN2018/102869 WO2019184233A1 (en) | 2018-03-30 | 2018-08-29 | Method and device for risk indication in online payments |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810291427.XA CN108647959B (en) | 2018-03-30 | 2018-03-30 | Risk prompt method and device during online payment |
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| WO2019184233A1 (en) | 2019-10-03 |
| CN108647959B (en) | 2024-04-09 |
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