Payment system and payment method

Abstract

The invention relates to a payment system and a payment method. The payment system is provided with: a database; a feature calculation module, which is used for counting prescribed features of a useron the basis of transaction data which is of the user and provided by the database; a label establishment module, which is used for establishing corresponding user labels according to the prescribed features of the user; a fusion calculation module, which is used for converting the user labels into a label code string, and using the label code string and a user account together to constitute payment information; a transaction detection module, which matches a current transaction label code, which is obtained by carrying out label digitization calculation on information related to a current transaction behavior, with the label code string, and outputs a matching result; and a background transaction system, which completes a payment transaction or issues early risk warning on the basis of user account information in a case of a prescribed matching result. According to the system, security performance of payment can be improved, and operations of acquiring payment habits of the user by amobile terminal or a financial institution can also be facilitated.

Description

technical field [0001] The present invention relates to communication technology, and more specifically to a payment system and payment method capable of labeling user consumption behavior. Background technique [0002] With the development of communication technology, various payment methods have emerged. [0003] In the existing payment methods, generally by inputting a verification code, or a user password or a dynamic verification code, etc., it is verified whether the consumption is a genuine consumption approved by the customer. [0004] On the other hand, in terms of risk prevention and control, the risk prevention and control strategy of the mobile application mainly for identity verification based on abnormal login behavior of users needs to increase the operating cost of users for diversified verification (such as dynamic verification codes) and reduce the user's payment experience. In addition, if the mobile application is hacked by fraudsters and brute force log...

AI Technical Summary

Problems solved by technology

[0004] On the other hand, in terms of risk prevention and control, the risk prevention and control strategy of the mobile application mainly for identity verification based on abnormal login behavior of users needs to increase the operating cost of users for diversified verification (such as dynamic verification codes) and reduce the user's payment experience. In addition, if the mobile application is hacked by fraudsters and brute force login, it is difficult to identify risky transactions such as fraudulent brushing, or designing complex encryption algorithms to enhance the credibility of the QR code increases system overhead, and there is no fundamental Identify trading risks

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