CN114358778A - Method, device, equipment and storage medium for preventing payment account from being stolen - Google Patents
Method, device, equipment and storage medium for preventing payment account from being stolen Download PDFInfo
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Abstract
The embodiment of the invention discloses an anti-theft method, an anti-theft device and an anti-theft storage medium for a payment account, which relate to the technical field of mobile payment and comprise the following steps: acquiring consumption characteristic information of a user associated with a payment account; when a consumption payment request aiming at a payment account is received, acquiring the consumption information of a user in the current day; and according to the consumption characteristic information of the user and the consumption information of the day, when the consumption payment request is determined to have payment risk, the anti-theft brushing alarm is carried out. According to the embodiment of the invention, the consumption habit of the user can be determined by acquiring the consumption characteristic information of the user associated with the payment account, so that when the consumption payment request is received, when the consumption information of the current day is determined to be not in accordance with the consumption habit of the user, an alarm can be given in time, so that the stealing of the payment account of the user is avoided, and the safety of mobile payment is ensured.
Description
Technical Field
The embodiment of the invention relates to the technical field of mobile payment, in particular to an anti-theft method, device, equipment and storage medium for a payment account.
Background
With the development of the mobile internet and the popularization of intelligent terminals, a consumer binds the element information of the bank card and other personal information to an online payment account, so that the card is not shown in the process of opening online payment or face-to-face payment, the card-free payment is common in daily life, such as payment treasure, WeChat payment and the like, belongs to card-free payment, and great convenience is brought to the payment of the user.
However, if such information binding action is performed in an unsafe situation, the information of the cardholder may be leaked, and further, the lawbreaker may utilize the stolen user funds. At present, no clear and effective scheme exists in the aspect of preventing card-free embezzlement, so that a card issuing organization can only freeze or report loss of a card after embezzlement occurs, and thus, the loss of funds of consumers is caused.
Disclosure of Invention
The embodiment of the invention provides an anti-theft method, an anti-theft device, equipment and a storage medium for a payment account, which aim to solve the problem that the anti-theft monitoring is not in place and can effectively establish an anti-theft monitoring strategy.
In a first aspect, an embodiment of the present invention provides an anti-swipe-stealing method for a payment account, including: acquiring consumption characteristic information of a user associated with a payment account;
when a consumption payment request aiming at the payment account is received, acquiring the consumption information of the user in the current day;
and according to the consumption characteristic information of the user and the consumption information of the current day, determining that the consumption payment request carries out anti-theft brushing alarm when payment risks exist.
In a second aspect, an embodiment of the present invention provides an anti-swipe stealing device for a payment account, including: the consumption characteristic information acquisition module is used for acquiring consumption characteristic information of a user associated with the payment account;
the consumption information acquisition module of the current day is used for acquiring the consumption information of the user of the current day when receiving a consumption payment request aiming at the payment account;
and the anti-theft brushing alarm module is used for carrying out anti-theft brushing alarm when the consumption payment request is determined to have payment risk according to the consumption characteristic information of the user and the consumption information of the current day.
In a third aspect, an embodiment of the present invention provides an electronic device, where the electronic device includes:
one or more processors;
a storage device for storing one or more programs,
when executed by one or more processors, cause the one or more processors to implement the method of the first aspect.
In a fourth aspect, an embodiment of the present invention provides a computer-readable medium, which includes a computer program, and when the computer program is executed by a processor, the computer program implements the method of the first aspect.
According to the technical scheme of the embodiment of the invention, the consumption habit of the user can be determined by acquiring the consumption characteristic information of the user associated with the payment account, so that when the consumption payment request is received, when the consumption information of the current day is determined to be not in accordance with the consumption habit of the user, an alarm is given in time, so that the stealing of the payment account of the user is avoided, and the safety of mobile payment is ensured.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings needed to be used in the embodiments will be briefly described below, it should be understood that the following drawings only illustrate some embodiments of the present invention and therefore should not be considered as limiting the scope, and for those skilled in the art, other related drawings can be obtained according to the drawings without inventive efforts.
FIG. 1 is a flowchart of an anti-fraud method for a payment account according to an embodiment of the present invention;
FIG. 2 is a flowchart of an anti-fraud method for a payment account according to a second embodiment of the present invention;
FIG. 3 is a schematic structural diagram of an anti-swipe protection device for a payment account according to a third embodiment of the present invention;
fig. 4 is a schematic structural diagram of an electronic device according to a fourth embodiment of the present invention.
Detailed Description
The present invention will be described in further detail with reference to the accompanying drawings and examples. It is to be understood that the specific embodiments described herein are merely illustrative of the invention and are not limiting of the invention.
It should be further noted that, for the convenience of description, only some but not all of the relevant aspects of the present invention are shown in the drawings. Before discussing exemplary embodiments in more detail, it should be noted that some exemplary embodiments are described as processes or methods depicted as flowcharts. Although a flowchart may describe the operations (or steps) as a sequential process, many of the operations can be performed in parallel, concurrently or simultaneously. In addition, the order of the operations may be re-arranged. The process may be terminated when its operations are completed, but may have additional steps not included in the figure. The processes may correspond to methods, software implementations, hardware implementations, and so on. According to the technical scheme, the data acquisition, storage, use, processing and the like meet relevant regulations of national laws and regulations.
Example one
Fig. 1 is a flowchart of an anti-fraud method for a payment account according to an embodiment of the present invention, where the embodiment is applicable to a situation where a payment account is stolen when mobile payment is used, and the method may be performed by an anti-fraud apparatus for a payment account according to an embodiment of the present invention, and the apparatus may be implemented in software and/or hardware. As shown in fig. 1, the method specifically includes the following operations:
step S101, acquiring consumption characteristic information of a user associated with a payment account.
The payment account is mobile payment, namely, the mobile client can use electronic products such as a mobile phone and the like to carry out electronic currency payment, the mobile payment can effectively combine the internet, terminal equipment and a financial institution, and the mobile payment not only can carry out currency payment, but also can pay telephone fees, gas fees, water and electricity fees and other living fees. The payment mode can be divided into online payment and offline payment, and the online payment can refer to online consumption behaviors such as shopping and recharging of a user on the internet; offline payment may refer to a user going to a store to purchase an item to pay a merchant; one payment account can only correspond to one user information, and one user can own a plurality of payment accounts, which is not limited in this embodiment.
Optionally, obtaining consumption characteristic information of the user associated with the payment account includes: acquiring historical consumption information of a user in a specified time interval in a payment account, wherein the historical consumption information of the user comprises the number of historical consumption records, single consumption amount and historical consumption merchants; when the number of the historical consumption records is larger than the threshold value of the number of the consumption records, determining that the user is an active consumer; and acquiring a popular consumption merchant set, a popular consumption area set, a popular consumption content set and consumption level expectations of active consumers, wherein the popular consumption merchant set, the popular consumption area set, the popular consumption content set and the consumption level expectations are used as consumption characteristic information.
Specifically, the specified time interval in this embodiment may be a last week or a last month, and in this embodiment, the specified time interval is a last week, for example, the consumption activity evaluation may be performed on the user, the consumption record number threshold may be preset by the number of mobile payment consumption strokes of the user week, and the consumption record number threshold may be a maximum value of the average consumption record number of the user in a week, for example, the average consumption record number of the user in a week is 7, the maximum value of the consumption record number corresponding to the user is 7, and the consumption record number threshold may be correspondingly set to 7. The method comprises the steps of collecting historical consumption information of a user in the last week, wherein the historical consumption information of the user comprises but is not limited to the number of historical consumption records of the user, single consumption amount and historical consumption merchants, judging that the user belongs to an inactive consumer if the total number of the historical consumption records of the user in the last week is smaller than a preset threshold value of the number of the consumption records, and determining the user as an active consumer if the total number of the historical consumption information of the user in the last week is larger than the preset threshold value of the number of the consumption records.
Optionally, the obtaining of the popular consumption merchant set, the popular consumption area set, the popular consumption content set and the consumption level expectation of the active consumers includes: arranging each historical consumption merchant in a descending order according to the consumption times, and intercepting the merchants with the first numerical value in front of the sequence to form a popular consumption merchant set; dividing historical consumption merchants according to regions, arranging each region in a descending order according to consumption times, and intercepting regions with a second numerical value in front of the sequence to form a popular consumption region set; dividing historical consumption merchants according to categories, arranging each category in a descending order according to consumption times, and intercepting the category of a third numerical value in front of the sequence to form a popular content set; obtaining a pre-defined consumption grade, and determining a consumption grade expectation according to the consumption grade and a single consumption amount, wherein each consumption grade corresponds to different consumption amounts respectively.
Each historical consumer merchant can be arranged in a descending order according to the consumption times, and merchants with the first numerical value in the front of the interception sequence form a popular consumer merchant set. The key value relationship of { merchant, consumption times } corresponding to consumption of the user in nearly 1 week can be collected, as shown in table 1 below:
TABLE 1
In practical applications, the { merchant, consumption times } key value corresponding to the user's offline consumption includes a plurality of key values, since the space limit table 1 is only an example. And aiming at the key value relation in the table 1, performing descending arrangement on each historical consumption merchant according to consumption times to obtain a merchant sequence. The first value in this embodiment may be specifically set to 5, so that the merchants intercepting the top 5 merchants in the merchant sequence form a popular consumption merchant set Mch _ SUM { merchant B, merchant a, merchant E, merchant D, merchant F }.
The method comprises the steps of dividing historical consumption merchants according to regions, arranging each region in a descending order according to consumption times, and intercepting the region with the second numerical value in front of the sequence to form a popular consumption region set. After the historical consumption merchants of the user are obtained according to table 1, the address corresponding to each merchant level is obtained, and the address corresponding to each merchant is subjected to area division, where an area may specifically be a community, a business district, or a street, and a specific division range of the area is not limited in this embodiment. For example, the results of dividing the areas of all merchants consumed by the user in the last week are shown in table 2 below:
TABLE 2
| Region 1 | Merchant A, merchant B and merchant C. |
| Region 2 | Merchant D, Merchant E, Merchant F … |
| Region 3 | Merchant G, merchant H and merchant I. |
| …… | …… |
In practical applications, the area of the merchant corresponding to the user's offline consumption includes a plurality of areas, which is only illustrated in table 2 due to space limitation. The total consumption times of the merchants belonging to each area in table 2 are obtained, for example, the total consumption times of the merchants belonging to area 1 is 15, the total consumption times of the merchants belonging to area 2 is 11, and the total consumption times of the merchants belonging to area 3 is 16, and each area is sorted in descending order according to the consumption times to obtain an area sequence. Since the second value in the present embodiment may be 3, the top 3 areas in the clip sequence area sequence constitute a hot consumption area set Zone _ SUM ═ area 3, area 1, area 2.
The historical consumption merchants are divided according to categories, each category is arranged in a descending order according to consumption times, and the category of a third numerical value in front of the sequence is intercepted to form a hot content set. The merchants are divided according to merchant categories when the merchants register, and the merchants of the same category are divided into a group, wherein the merchant categories can be specific forms of products sold by the merchants, such as electronic products, food, stationery, clothing and the like, and each category corresponds to consumption content of one user. For example, the results of classifying the historical consumer merchants that the user consumed in the last week are shown in table 3 below:
TABLE 3
| Electronic product | Merchant A, merchant H and merchant Q. |
| Food product | Merchant B, merchant I, merchant p. |
| Stationery with detachable cover | Merchant C, merchant J and merchant O. |
| ...... | ...... |
In practical applications, the historical consumer merchants consumed by the users under each category include a plurality of merchants, as the space limit is only illustrated in table 2. Obtaining the total consumption times of the merchants in each category in table 3, for example, the total consumption times of the merchants in the electronic product category is 10, the total consumption times of the merchants in the food category is 8, and the total consumption times of the merchants in the stationery category is 16, then sorting each category in descending order according to the consumption times to obtain a category sequence. Since the third numerical value in the present embodiment may be 3, the top 3 categories in the extracted category sequence constitute a hot Content set Content _ SUM { stationery electronics food }.
The method comprises the steps of obtaining a pre-defined consumption grade, and determining a consumption grade expectation according to the consumption grade and a single consumption amount, wherein each consumption grade corresponds to different consumption amounts respectively. For example, the single consumption amount can be classified into 5 levels, and the consumption level expectation of the user is obtained by collecting the proportion of all the single consumption amounts in the 5 intervals in the period of the last 1 week of the user. For example, the following table 4 shows an example of pre-defined consumption levels:
TABLE 4
| Consumption level | Consumption money interval (Yuan) |
| 1 | (0，100] |
| 2 | (100，500] |
| 3 | (500，1000] |
| 4 | (1000，∞) |
Specifically, the number of times when the user's single consumption amount falls in the level 1 to the level 4 may be represented by a one-dimensional array time ═ { X, Y, Z, M }, where when X is 10, an interval representing that the user has 10 consumption amounts is in the first level. The user's consumption level expectation of the last week e (level) is as follows:
E(level)＝(100X+500Y+1000Z+1500M)/(X+Y+Z+M)
when X is 10, Y is 0, Z is 0, and M is 0, the consumption expectation of the user in the last week can be calculated to be 100.
Step S102, when a consumption payment request aiming at the payment account is received, the consumption information of the user in the current day is obtained.
Optionally, when a consumption payment request for the payment account is received, obtaining the consumption information of the user in the current day includes: when a consumption payment request for a payment account is received, calling a database associated with the payment account; and inquiring from the database according to the payment account to obtain the total amount of the current-day consumption of the user, the single-stroke consumption amount set of the current-day consumption, the current-day consumption merchant set, the current-day consumption area set and the current-day consumption content set, wherein the total amount of the current-day consumption, the single-stroke consumption amount set of the current-day consumption, the current-day consumption merchant set, the current-day consumption area set and the current-day consumption content set are used as the current consumption information of the user.
The consumption payment request can be a payment request initiated by the mobile terminal when the user generates consumption behavior, and the consumption information of the user in the current day can include but is not limited to the total consumption amount of the user in the current day, the single consumption amount set in the current day, the consumption merchant set in the current day, the consumption area set in the current day and the consumption content set in the current day.
For example, it may be assumed that the user consumes a total amount of K on the day; a single consumption amount set S { S1, S2, S3.... Sn }; a set of consumer-merchants M ═ M1, M2, M3.... Mn }; a set of consumption zones Z ═ Z1, Z2, Z3... ZM }; consumption content P ═ P1, P2, P3.
And S103, according to the consumption characteristic information of the user and the consumption information of the day, when the consumption payment request is determined to have payment risk, the anti-theft brushing alarm is carried out.
Optionally, determining, according to the consumption feature information of the user and the consumption information of the current day, that the anti-swipe-through alarm is performed when the consumption payment request has a payment risk, and including: when the number of consumption records in the current day is larger than a first preset threshold value according to the single consumption amount set in the current day, determining that the consumption payment request has payment risk and performing anti-theft alarm; and when the fact that the single consumption exceeding the first proportion in the current single consumption amount set is larger than the consumption grade expectation is determined, the current consumption merchant set and the hot consumption merchant set do not have an intersection, the current consumption area set and the hot consumption area set do not have an intersection, and the current consumption content set and the hot consumption content set do not have an intersection, the fact that the consumption payment request has payment risks is determined, and anti-theft brushing alarm is conducted.
In one specific implementation, when the number of the current consumption records is determined to be larger than a first preset threshold value according to a single consumption amount set S { S1, S2, S3. The first preset threshold in this embodiment may be obtained by specifically referring to the following formula (1):
first preset threshold value/number of consumption records threshold value/7 x 1.8 (1)
Of course, this embodiment is merely an example, and the specific calculation method of the first preset threshold is not limited. For example, if the first preset threshold value obtained according to formula (1) is set to 10, then when n is determined to be 30, an anti-swipe-through alarm is performed.
In one specific implementation, the first ratio may be 50%, when it is determined that more than 50% of the current consumption amount set S ═ S1, S2, S3..... Sn } is greater than the consumption level expectation e (level), the current consuming merchant set M ═ M1, M2, M3.... Mn } does not intersect with the popular consuming merchant set Mch _ SUM ═ merchant B, merchant a, merchant E, merchant D, merchant F, the current day consumption Zone set Z ═ Z1, Z2, Z3... ZM } does not intersect with the popular consumption Zone set Zone _ SUM ═ Zone 3 Zone 1 Zone 2}, and if the consumption Content set P & ltP & gt 1, P2, P3.
Optionally, determining, according to the consumption characteristic information of the user and the consumption information of the current day, that the anti-swipe-through alarm is performed when the consumption payment request has a payment risk, further comprising: when it is determined that the single consumption exceeding the second proportion in the current single consumption amount set is larger than the consumption grade expectation, the current consumption merchant set and the popular consumption merchant set do not have an intersection, and the current consumption area set and the popular consumption area set do not have an intersection, determining that the consumption payment request has payment risk, and performing anti-theft brushing alarm, wherein the second proportion is larger than the first proportion; when it is determined that the single consumption exceeding the third proportion in the current single consumption amount set is larger than the consumption grade expectation and the current consumption area set and the popular consumption area set do not have intersection, determining that the consumption payment request has payment risk and performing anti-theft brushing alarm, wherein the third proportion is larger than the second proportion; and when the total consumption amount of the current day is larger than a second preset threshold value, determining that the consumption payment request has payment risk and performing anti-theft and brushing alarm.
The first ratio may be 70%, and when it is determined that more than 70% of the single consumption in the single consumption amount set S ═ S1, S2, S3..... Sn } is higher than the consumption level expectation E (level), the consumption merchant set M ═ M1, M2, M3.... Mn } and the popular consumption merchant set Mch _ SUM ═ merchant B, merchant a, merchant D, merchant F } do not intersect, and the consumption area set Z ═ Z1, Z2, Z3... ZM } and the popular consumption area set Zone _ SUM ═ area 1, area 2} are triggered. The first ratio may be 90%, and when it is determined that more than 90% of the single consumption in the single consumption amount set S ═ S1, S2, S3.... Sn } is higher than the consumption level expectation e (level), and at the same time, the consumption area set Z ═ Z1, Z2, Z3..... ZM } and the hotline consumption area set Zone _ SUM ═ { area 3, area 1, area 2} do not intersect, the brush stealing alarm is triggered.
In addition, the second preset threshold in the present embodiment may be specifically obtained by calculating with reference to the following formula (2):
second preset threshold ═ e (level) ((X + Y + Z + M)/7 × 1.5 (2)
Of course, this embodiment is merely an example, and the specific calculation method of the second preset threshold is not limited. For example, if the second preset threshold value obtained according to the formula (2) is set to 1 ten thousand, then if it is determined that K is 2 thousand, the anti-swipe-through alarm is performed.
Note that, in the present embodiment, the alarm may be given by a sound, a graphic, or the like, and the present embodiment is not limited to a specific form of the alarm.
According to the technical scheme of the embodiment of the invention, the anti-theft brushing alarm is carried out when the consumption payment request has payment risk according to the consumption characteristic information of the user on the mobile terminal within the specified time and the consumption information of the user in the same day, so that the anti-theft brushing of the payment account of the user is avoided, and the safety of the mobile payment is ensured.
Example two
Fig. 2 is a flowchart of an anti-swipe-stealing method for a payment account according to a second embodiment of the present invention, after determining that an anti-swipe-stealing alarm is performed when a payment request has a payment risk according to consumption feature information of a user and consumption information of the day, the method further includes: and carrying out different payment operations according to the alarm confirmation instruction of the user. Wherein explanations of the same or corresponding terms as those of the above embodiments are omitted. As shown in fig. 2, the method specifically includes the following steps:
step S201, acquiring consumption characteristic information of a user associated with a payment account.
Step S202, when a consumption payment request aiming at the payment account is received, the consumption information of the user in the current day is obtained.
And S203, according to the consumption characteristic information of the user and the consumption information of the day, when the consumption payment request is determined to have payment risk, the anti-theft brushing alarm is carried out.
Step S204, determining whether an alarm confirmation instruction of the user is received within a preset time range, if yes, performing step S205, otherwise, performing step S206.
The preset time range may be 5 seconds, and the user may set the time range according to the requirement of payment security, and the specific value of the preset time range is not limited in this embodiment. And after the alarm is given, an alarm confirmation selection mark is displayed on the user terminal for the user to select.
Step S205, the consumption payment is made to the consumption payment request from the payment account.
If the alarm confirmation instruction of the user is received within the preset time, for example, the user selects the alarm pause confirmation instruction on the terminal, it is indicated that the current payment request is actually the operation performed by the user, although the difference between the current payment request and the previous consumption habit of the user is large, and therefore after the alarm confirmation instruction of the user for the alarm is determined to be received, the consumption payment request is subjected to consumption payment from the payment account.
Step S206, terminating the consumption payment of the consumption payment request from the payment account.
If the alarm confirmation instruction of the user is not received within the preset time, the user does not select the alarm pause confirmation instruction on the terminal, the difference between the current payment request and the previous consumption habit of the user is large, the operation is not performed by the user, and the consumption payment of the payment request from the payment account is stopped. Thereby protecting the user's assets from being swiped by others.
According to the technical scheme of the embodiment of the invention, the consumption habit of the user can be determined by acquiring the consumption characteristic information of the user associated with the payment account, so that when the consumption payment request is received, when the consumption information of the current day is determined to be not in accordance with the consumption habit of the user, an alarm is given in time, so that the stealing of the payment account of the user is avoided, and the safety of mobile payment is ensured. And when the received alarm confirmation instruction of the user is received, consumption payment is carried out, so that the safety of mobile payment is further ensured.
EXAMPLE III
Fig. 3 is a schematic structural diagram of an anti-swipe protection device for a payment account according to a third embodiment of the present invention, where the device includes: a consumption characteristic information acquisition module 310, a consumption information acquisition module 320 of the current day, and a cable anti-theft brushing alarm module 330.
The consumption characteristic information acquiring module 310 is configured to acquire consumption characteristic information of a user associated with a payment account;
a consumption information of the day acquisition module 320, configured to acquire consumption information of the user of the day when a consumption payment request for the payment account is received;
and the anti-theft brushing alarm module 330 is configured to perform anti-theft brushing alarm when determining that the consumption payment request has payment risk according to the consumption feature information of the user and the consumption information of the current day.
Optionally, the consumption feature information obtaining module 310 includes:
the system comprises a historical consumption information acquisition unit, a historical consumption information acquisition unit and a historical consumption merchant, wherein the historical consumption information acquisition unit is used for acquiring the historical consumption information of a user in a specified time interval in a payment account, and the historical consumption information of the user comprises the number of historical consumption records, single consumption amount and historical consumption merchants;
the active consumer determining unit is used for determining that the user is an active consumer when the number of the historical consumption records is determined to be larger than the number threshold of the consumption records;
and the consumption characteristic information determining unit is used for acquiring the popular consumption merchant set, the popular consumption area set, the popular consumption content set and the consumption level expectation of the active consumers, wherein the popular consumption merchant set, the popular consumption area set, the popular consumption content set and the consumption level expectation are used as the consumption characteristic information.
Optionally, the consumption characteristic information determining unit includes:
the hot consumption merchant set determining subunit is used for performing descending arrangement on each historical consumption merchant according to consumption times, and intercepting merchants with a first numerical value in front of the sequence to form a hot consumption merchant set;
the hot consumption area set determining subunit is used for dividing the historical consumption merchants according to the areas, arranging each area in a descending order according to the consumption times, and intercepting the area with the second numerical value in front of the sequence to form a hot consumption area set;
the hot content set determining subunit is used for dividing the historical consumption merchants according to categories, arranging each category in a descending order according to consumption times, and intercepting the category of a third numerical value in front of the sequence to form a hot content set;
and the consumption grade expectation subunit is used for acquiring the pre-defined consumption grade and determining the consumption grade expectation according to the consumption grade and the single consumption amount, wherein each consumption grade corresponds to different consumption amounts respectively.
Optionally, the historical consumption information obtaining unit includes:
the database retrieval sub-unit is used for retrieving the database associated with the payment account when receiving a consumption payment request aiming at the payment account;
and the database query subunit is used for querying from the database according to the payment account to acquire the total amount of the current-day consumption of the user, the current-day single consumption amount set, the current-day consumption merchant set, the current-day consumption area set and the current-day consumption content set, wherein the current-day consumption total amount, the current-day single consumption amount set, the current-day consumption merchant set, the current-day consumption area set and the current-day consumption content set are used as the current-day consumption information of the user.
Optionally, the anti-swipe alarm module includes:
the consumption record number judging unit is used for determining that the consumption payment request has payment risk and performing anti-theft alarming when the number of the consumption records in the day is larger than a first preset threshold value according to the single consumption amount set in the day;
and the intersection judging unit is used for determining that the payment risk exists in the consumption payment request and performing anti-theft brushing alarm when the fact that the single consumption exceeding the first proportion in the current single consumption amount set is larger than the consumption grade expectation is determined, the current consumption merchant set does not have an intersection with the popular consumption merchant set, the current consumption area set does not have an intersection with the popular consumption area set, and the current consumption content set does not have an intersection with the popular consumption content set.
Optionally, the anti-theft alarm module further comprises:
the proportion judging unit is used for determining that the consumption payment request has payment risk and performing anti-theft brushing alarm when the fact that single consumption exceeding a second proportion in the current single consumption amount set is larger than the consumption grade expectation, the current consumption merchant set is not intersected with the popular consumption merchant set, and the current consumption area set is not intersected with the popular consumption area set is determined, wherein the second proportion is larger than the first proportion;
the third proportion judging unit is used for determining that the consumption payment request has payment risk and performing anti-theft brushing alarm when the fact that the single consumption exceeding the third proportion in the current single consumption amount set is larger than the consumption grade expectation and the fact that the current consumption area set and the popular consumption area set do not intersect is determined, wherein the third proportion is larger than the second proportion;
and the threshold value determining unit is used for determining that the consumption payment request has payment risk and carrying out anti-theft brushing alarm when determining that the total consumption amount of the current day is greater than a second preset threshold value.
Optionally, the apparatus further comprises a consumption payment terminating module, configured to: and judging whether an alarm confirmation instruction of the user is received within a preset time range, if so, performing consumption payment on the consumption payment request from the payment account, and otherwise, terminating the consumption payment request from the payment account.
The device can execute the anti-theft method for the payment account provided by any embodiment of the invention, and has corresponding functional modules and beneficial effects of the execution method. For technical details not described in detail in this embodiment, reference may be made to the method provided in any embodiment of the present invention.
Example four
Fig. 4 is a schematic structural diagram of an electronic device according to a fourth embodiment of the present invention. FIG. 4 illustrates a block diagram of an exemplary electronic device 412 suitable for use in implementing embodiments of the present invention. The electronic device 412 shown in fig. 4 is only an example and should not bring any limitations to the functionality and scope of use of the embodiments of the present invention.
As shown in fig. 4, the electronic device 412 is in the form of a general purpose computing device. The components of the electronic device 412 may include, but are not limited to: one or more processors 416, a memory 428, and a bus 418 that couples the various system components (including the memory 428 and the processors 416).
The memory 428 is used to store instructions. Memory 428 can include computer system readable media in the form of volatile memory, such as Random Access Memory (RAM)430 and/or cache memory 432. The electronic device 412 may further include other removable/non-removable, volatile/nonvolatile computer system storage media. By way of example only, storage system 434 may be used to read from and write to non-removable, nonvolatile magnetic media (not shown in FIG. 4, commonly referred to as a "hard drive"). Although not shown in FIG. 4, a magnetic disk drive for reading from and writing to a removable, nonvolatile magnetic disk (e.g., a "floppy disk") and an optical disk drive for reading from or writing to a removable, nonvolatile optical disk (e.g., a CD-ROM, DVD-ROM, or other optical media) may be provided. In these cases, each drive may be connected to bus 418 by one or more data media interfaces. Memory 428 can include at least one program product having a set (e.g., at least one) of program modules that are configured to carry out the functions of embodiments of the invention.
A program/utility 440 having a set (at least one) of program modules 442 may be stored, for instance, in memory 428, such program modules 442 including, but not limited to, an operating system, one or more application programs, other program modules, and program data, each of which examples or some combination thereof may comprise an implementation of a network environment. The program modules 442 generally perform the functions and/or methodologies of the described embodiments of the invention.
The electronic device 412 may also communicate with one or more external devices 414 (e.g., keyboard, pointing device, display 424, etc.), with one or more devices that enable a user to interact with the electronic device 412, and/or with any devices (e.g., network card, modem, etc.) that enable the electronic device 412 to communicate with one or more other computing devices. Such communication may occur via input/output (I/O) interfaces 422. Also, the electronic device 412 may communicate with one or more networks (e.g., a Local Area Network (LAN), a Wide Area Network (WAN), and/or a public network, such as the internet) through the network adapter 420. As shown, network adapter 420 communicates with the other modules of electronic device 412 over bus 418. It should be appreciated that although not shown in FIG. 4, other hardware and/or software modules may be used in conjunction with the electronic device 412, including but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, and data backup storage systems, among others.
The processor 416 executes various functional applications and data processing by executing instructions stored in the memory 428, for example, implementing an anti-fraud method for a payment account according to an embodiment of the present invention, including: acquiring consumption characteristic information of a user associated with a payment account; when a consumption payment request aiming at a payment account is received, acquiring the consumption information of a user in the current day; and according to the consumption characteristic information of the user and the consumption information of the day, when the consumption payment request is determined to have payment risk, the anti-theft brushing alarm is carried out.
EXAMPLE five
Embodiments of the present invention provide a computer-readable storage medium, on which a computer program is stored, where the computer program, when executed by a processor, implements a method for preventing an anti-fraud of a payment account, provided by all embodiments of the present invention, including: acquiring consumption characteristic information of a user associated with a payment account; when a consumption payment request aiming at a payment account is received, acquiring the consumption information of a user in the current day; and according to the consumption characteristic information of the user and the consumption information of the day, when the consumption payment request is determined to have payment risk, the anti-theft brushing alarm is carried out.
Any combination of one or more computer-readable media may be employed. The computer readable medium may be a computer readable signal medium or a computer readable storage medium. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples (a non-exhaustive list) of the computer readable storage medium would include the following: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the context of this document, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device.
A computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device.
Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.
Computer program code for carrying out operations for aspects of the present invention may be written in any combination of one or more programming languages, including an object oriented programming language such as Java, Smalltalk, C + +, or the like, as well as conventional procedural programming languages, such as the "C" programming language or similar programming languages. The program code may execute entirely on the user's computer, partly on the user's computer, as a stand-alone software package, partly on the user's computer and partly on a remote computer or entirely on the remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any type of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or the connection may be made to an external computer (for example, through the Internet using an Internet service provider).
It is to be noted that the foregoing is only illustrative of the preferred embodiments of the present invention and the technical principles employed. It will be understood by those skilled in the art that the present invention is not limited to the particular embodiments described herein, but is capable of various obvious changes, rearrangements and substitutions as will now become apparent to those skilled in the art without departing from the scope of the invention. Therefore, although the present invention has been described in greater detail by the above embodiments, the present invention is not limited to the above embodiments, and may include other equivalent embodiments without departing from the spirit of the present invention, and the scope of the present invention is determined by the scope of the appended claims.
Claims (10)
1. An anti-fraud method for a payment account, comprising:
acquiring consumption characteristic information of a user associated with a payment account;
when a consumption payment request aiming at the payment account is received, acquiring the consumption information of the user in the current day;
and according to the consumption characteristic information of the user and the consumption information of the current day, determining that the consumption payment request carries out anti-theft brushing alarm when payment risks exist.
2. The method of claim 1, wherein obtaining consumption characteristic information of a user associated with a payment account comprises:
acquiring historical consumption information of a user in a specified time interval in a payment account, wherein the historical consumption information of the user comprises the number of historical consumption records, single consumption amount and historical consumption merchants;
when the number of the historical consumption records is determined to be larger than the threshold value of the number of the consumption records, determining that the user is an active consumer;
acquiring a popular consumption merchant set, a popular consumption area set, a popular consumption content set and a consumption level expectation of the active consumers, wherein the popular consumption merchant set, the popular consumption area set, the popular consumption content set and the consumption level expectation are taken as the consumption characteristic information.
3. The method of claim 2, wherein the obtaining of the trending consumer merchant set, trending consumer zone set, trending consumer content set, and consumption level expectations of the active consumers comprises:
arranging each historical consumption merchant in a descending order according to the consumption times, and intercepting the merchants with the first numerical value in the front of the sequence to form the popular consumption merchant set;
dividing historical consumption merchants according to regions, arranging each region in a descending order according to consumption times, and intercepting regions with a second numerical value in front of the sequence to form a popular consumption region set;
dividing historical consumption merchants according to categories, arranging each category in a descending order according to consumption times, and intercepting the category of a third numerical value in front of the sequence to form the popular content set;
obtaining a pre-defined consumption grade, and determining the consumption grade expectation according to the consumption grade and the single consumption amount, wherein each consumption grade corresponds to different consumption amounts respectively.
4. The method of claim 2, wherein obtaining the current day consumption information of the user when receiving a consumption payment request for the payment account comprises:
when a consumption payment request for the payment account is received, invoking a database associated with the payment account;
and inquiring from the database according to the payment account to obtain the total amount of the current day consumption of the user, the single consumption amount set of the current day, the current day consumption merchant set, the current day consumption area set and the current day consumption content set, wherein the total amount of the current day consumption, the single consumption amount set of the current day consumption, the current day consumption merchant set, the current day consumption area set and the current day consumption content set are used as the current day consumption information of the user.
5. The method of claim 4, wherein the determining that the consumption payment request is at risk of payment according to the consumption characteristic information of the user and the consumption information of the current day, and performing anti-fraud alarm comprises:
when the number of consumption records of the current day is larger than a first preset threshold value according to the current day single consumption amount set, determining that the consumption payment request has payment risk and performing anti-theft alarm;
and when the fact that the single consumption exceeding the first proportion in the current day single consumption amount set is larger than the consumption grade expectation is determined, the current day consumption merchant set is not intersected with the popular consumption merchant set, the current day consumption area set is not intersected with the popular consumption area set, and the current day consumption content set is not intersected with the popular consumption content set, the fact that the consumption payment request has payment risks is determined, and anti-theft brushing alarm is conducted.
6. The method of claim 5, wherein the anti-piracy alert is performed when it is determined that the consumption payment request is at risk of payment based on the consumption profile information of the user and the consumption information of the current day, further comprising:
when it is determined that the single consumption exceeding a second proportion in the current day single consumption amount set is larger than the consumption grade expectation, the current day consumption merchant set is not intersected with the popular consumption merchant set, and the current day consumption area set is not intersected with the popular consumption area set, it is determined that the consumption payment request has payment risk, and anti-theft brushing alarm is performed, wherein the second proportion is larger than the first proportion;
when it is determined that the single consumption exceeding a third proportion in the current day single consumption amount set is larger than the consumption grade expectation and the current day consumption area set and the popular consumption area set are not intersected, determining that the consumption payment request has payment risk and performing anti-theft brushing alarm, wherein the third proportion is larger than the second proportion;
and when the total consumption amount on the current day is larger than a second preset threshold value, determining that the consumption payment request has payment risk and performing anti-theft brushing alarm.
7. The method of claim 1, wherein after the determining that the consumption payment request is at risk of payment according to the consumption characteristic information of the user and the consumption information of the current day, performing an anti-fraud alert, further comprising:
judging whether an alarm confirmation instruction of a user is received within a preset time range, if so, performing consumption payment on the consumption payment request from the payment account, otherwise,
terminating the consumption payment of the consumption payment request from the payment account.
8. An anti-swipe-proof device for a payment account, comprising:
the consumption characteristic information acquisition module is used for acquiring consumption characteristic information of a user associated with the payment account;
the consumption information acquisition module of the current day is used for acquiring the consumption information of the user of the current day when receiving a consumption payment request aiming at the payment account;
and the anti-theft brushing alarm module is used for carrying out anti-theft brushing alarm when the consumption payment request is determined to have payment risk according to the consumption characteristic information of the user and the consumption information of the current day.
9. An electronic device, characterized in that the electronic device comprises:
one or more processors;
a storage device for storing one or more programs,
when executed by the one or more processors, cause the one or more processors to implement the method of any one of claims 1-7.
10. A computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out the method according to any one of claims 1-7.
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| CN202210036218.7A CN114358778A (en) | 2022-01-11 | 2022-01-11 | Method, device, equipment and storage medium for preventing payment account from being stolen |
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Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN115545697A (en) * | 2022-11-08 | 2022-12-30 | 广东车卫士信息科技有限公司 | Non-inductive payment method, storage medium and electronic equipment |
| CN115760119A (en) * | 2022-11-28 | 2023-03-07 | 海口春帆网络科技有限公司 | Financial payment supervision system and method based on data processing and feature recognition |
| CN116664136A (en) * | 2023-05-31 | 2023-08-29 | 深圳洽客科技有限公司 | Secure payment method, system and storage medium |
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2022
- 2022-01-11 CN CN202210036218.7A patent/CN114358778A/en active Pending
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN115545697A (en) * | 2022-11-08 | 2022-12-30 | 广东车卫士信息科技有限公司 | Non-inductive payment method, storage medium and electronic equipment |
| CN115760119A (en) * | 2022-11-28 | 2023-03-07 | 海口春帆网络科技有限公司 | Financial payment supervision system and method based on data processing and feature recognition |
| CN115760119B (en) * | 2022-11-28 | 2024-03-12 | 西安乐刷宝网络科技有限公司 | Financial payment supervision system and method based on data processing and feature recognition |
| CN116664136A (en) * | 2023-05-31 | 2023-08-29 | 深圳洽客科技有限公司 | Secure payment method, system and storage medium |
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