Method for adjusting risk parameter, and method and device for risk identification
US11468446B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | May 28, 2019 |
| Grant date | Oct 11, 2022 |
| Priority date | — |
| Expiry date | Aug 5, 2039 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q20/4014
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
Methods, systems, and apparatus, including computer programs encoded on computer storage media, for payment services are provided. One of the methods includes: receiving a payment request, the payment request containing a user identifier and operation data generated in a current transaction corresponding to the user identifier; determining, according to the operation data, at least one operation hopping sequence in the current transaction, the operation hopping sequence containing at least one operation hopping event; obtaining, from a set of risk parameters corresponding to the user identifier, a risk parameter corresponding to the operation hopping event in the operation hopping sequence, risk parameters in the set of risk parameters being obtained by adjusting risk parameters used for risk identification in a previous transaction according to operation data generated in the previous transaction corresponding to the user identifier; and adjusting the obtained risk parameter according to the at least one operation hopping sequence.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.