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SG11201806272TA - Risk control method and device - Google Patents

Risk control method and device

Info

Publication number
SG11201806272TA
SG11201806272TA SG11201806272TA SG11201806272TA SG11201806272TA SG 11201806272T A SG11201806272T A SG 11201806272TA SG 11201806272T A SG11201806272T A SG 11201806272TA SG 11201806272T A SG11201806272T A SG 11201806272TA SG 11201806272T A SG11201806272T A SG 11201806272TA
Authority
SG
Singapore
Prior art keywords
user
attribute
risk control
request sent
payment
Prior art date
Application number
SG11201806272TA
Inventor
Lizhong Li
Original Assignee
Alibaba Group Holding Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Alibaba Group Holding Ltd filed Critical Alibaba Group Holding Ltd
Publication of SG11201806272TA publication Critical patent/SG11201806272TA/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • 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
    • G06Q10/00—Administration; Management
    • G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
    • G06Q10/063—Operations research, analysis or management
    • G06Q10/0635—Risk analysis of enterprise or organisation activities
    • 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
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • 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
    • G06Q20/384—Payment protocols; Details thereof using social networks
    • 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
    • G06Q20/386—Payment protocols; Details thereof using messaging services or messaging apps
    • 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
    • G06Q20/388—Payment protocols; Details thereof using mutual authentication without cards, e.g. challenge-response
    • 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

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Human Resources & Organizations (AREA)
  • Economics (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Development Economics (AREA)
  • Educational Administration (AREA)
  • Game Theory and Decision Science (AREA)
  • Marketing (AREA)
  • Operations Research (AREA)
  • Quality & Reliability (AREA)
  • Tourism & Hospitality (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The present application discloses a risk control method and device. The method includes: receiving a payment request sent by a first user, and a attribute of the first user; searching a user attribute database for a user attribute of a second user that corresponds to identification information of the second user included 5 in payment based the information of second determining a user attribute similarity between the first user and the second user by using the user attribute of the first user and the user attribute of the second user; and performing, based on the user attribute similarity, risk control on the payment request sent by the first user. As such, whether the payment request sent by the first user is 10 potentially incorrect is determined based on the determined user attribute similarity, which effectively low caused user es effectively improve payment security.
SG11201806272TA 2016-01-27 2017-01-17 Risk control method and device SG11201806272TA (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
CN201610056711.XA CN107016473B (en) 2016-01-27 2016-01-27 Risk control method and equipment
PCT/CN2017/071414 WO2017128999A1 (en) 2016-01-27 2017-01-17 Risk control method and device

Publications (1)

Publication Number Publication Date
SG11201806272TA true SG11201806272TA (en) 2018-08-30

Family

ID=59397344

Family Applications (1)

Application Number Title Priority Date Filing Date
SG11201806272TA SG11201806272TA (en) 2016-01-27 2017-01-17 Risk control method and device

Country Status (9)

Country Link
US (2) US10977648B2 (en)
EP (1) EP3410371A4 (en)
JP (1) JP6859502B2 (en)
KR (1) KR102215771B1 (en)
CN (1) CN107016473B (en)
PH (1) PH12018501577A1 (en)
SG (1) SG11201806272TA (en)
TW (1) TW201801022A (en)
WO (1) WO2017128999A1 (en)

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CN107016473B (en) 2016-01-27 2022-11-22 创新先进技术有限公司 Risk control method and equipment
CN107704626A (en) * 2017-10-30 2018-02-16 北京萌哥玛丽科技有限公司 A kind of control method and control device that user is searched based on recognition of face
CN107995097A (en) * 2017-11-22 2018-05-04 吴东辉 A kind of method and system of interaction AR red packets
CN108985559A (en) * 2018-06-08 2018-12-11 平安科技（深圳）有限公司 Air control data processing method, device, computer equipment and storage medium
CN111770011B (en) * 2019-04-01 2022-08-26 钉钉控股（开曼）有限公司 Risk prompting method and device, electronic equipment and computer readable storage medium
CN111428971A (en) * 2020-03-05 2020-07-17 支付宝(杭州)信息技术有限公司 Service data processing method and device and server
CN113935738B (en) * 2020-06-29 2024-04-19 腾讯科技（深圳）有限公司 Transaction data processing method, device, storage medium and equipment
CN111798309B (en) * 2020-07-22 2021-08-17 睿智合创(北京)科技有限公司 Wind-controlled variable processing system, method and readable medium
CN116681445A (en) * 2020-08-31 2023-09-01 支付宝（中国）网络技术有限公司 Payment processing method, device and system
KR102638717B1 (en) 2021-08-19 2024-02-20 한인정밀화학(주) Method for preparing cyclic sulfate-based compound and cyclic sulfate-based compound by the same

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EP2728528A1 (en) * 2008-05-30 2014-05-07 MR.QR10 GmbH & Co. KG Server device for controlling a transaction, first entity and second entity
JP2010186329A (en) * 2009-02-12 2010-08-26 Hokuto Seigyo Kk Money depositing and dispensing system
US8224727B2 (en) * 2009-05-27 2012-07-17 Boku, Inc. Systems and methods to process transactions based on social networking
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Also Published As

Publication number Publication date
US20200126083A1 (en) 2020-04-23
EP3410371A1 (en) 2018-12-05
US10977648B2 (en) 2021-04-13
JP2019507424A (en) 2019-03-14
US20180349905A1 (en) 2018-12-06
EP3410371A4 (en) 2019-07-03
WO2017128999A1 (en) 2017-08-03
PH12018501577A1 (en) 2019-01-21
CN107016473A (en) 2017-08-04
US10789592B2 (en) 2020-09-29
KR102215771B1 (en) 2021-02-17
CN107016473B (en) 2022-11-22
TW201801022A (en) 2018-01-01
KR20180105207A (en) 2018-09-27
JP6859502B2 (en) 2021-04-14

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