CN114169877A

CN114169877A - Payment method and device based on small-amount password-free

Info

Publication number: CN114169877A
Application number: CN202111533390.5A
Authority: CN
Inventors: 朱光源
Original assignee: Agricultural Bank of China
Current assignee: Agricultural Bank of China
Priority date: 2021-12-15
Filing date: 2021-12-15
Publication date: 2022-03-11
Anticipated expiration: 2041-12-15
Also published as: CN114169877B

Abstract

The embodiment of the disclosure provides a payment method and a device based on small amount secret-free, comprising the following steps: analyzing the payment request initiated by the user to obtain the transaction amount carried in the payment request, acquiring a small amount secret-free quota corresponding to the user, wherein the small amount secret-free quota is determined according to the selection operation of the user aiming at any quota interval in a plurality of quota intervals pushed by the user, and the multiple quota intervals are determined according to the expected consumption information, the consumption characteristic adjustment information, the consumption risk factors and the consumption dispersion degree of the user, the expected consumption information, the consumption characteristic adjustment information and the consumption dispersion degree are determined based on the historical consumption information of the user, the consumption risk factors are determined based on the historical consumption information and the attribute information of the payment card of the user, if the transaction amount is less than or equal to the small amount secret-free quota, the technical scheme of small-amount secret-free payment is executed, the payment efficiency is improved, and the flexibility and diversity of payment are improved.

Description

Payment method and device based on small amount secret-free

Technical Field

The embodiment of the disclosure relates to the technical field of internet, in particular to a payment method and device based on small-amount password-free.

Background

The small amount secret-free refers to that the payment can be completed without a password or a signature when the card is held and consumed by the convenient payment service provided by the Unionpay.

In the prior art, the small amount secret-free limit is fixed, if a user sets the small amount secret-free limit in advance through user equipment, and the small amount secret-free limit is generally small, once the payment amount exceeds the small amount secret-free limit, the user is required to input a password, during payment, a payment system acquires the small amount secret-free limit set by the user, and if the amount to be paid is smaller than the small amount secret-free limit, direct small amount secret-free payment operation is executed.

The method is adopted to execute the payment operation, and the payment operation is easily influenced by a fixed small amount secret-free amount, so that the technical problems of complicated payment process and low efficiency are caused.

Disclosure of Invention

The embodiment of the disclosure provides a payment method and device based on small-amount password-free, which are used for solving the problem of low payment efficiency.

In a first aspect, an embodiment of the present disclosure provides a micropayment secret-free based method, including:

responding to a payment request initiated by a user, analyzing the payment request to obtain transaction amount carried in the payment request;

acquiring a small secret-free quota unit corresponding to the user, wherein the small secret-free quota unit is determined according to a selection operation of the user on any quota interval in a plurality of pushed quota intervals, the quota intervals are determined according to expected consumption information, consumption characteristic adjustment information, consumption risk factors and consumption dispersion degrees of the user, the expected consumption information, the consumption characteristic adjustment information and the consumption dispersion degrees are determined based on historical consumption information of the user, and the consumption risk factors are determined based on the historical consumption information and attribute information of a payment card of the user;

and if the transaction amount is less than or equal to the limited amount of the small-amount password-free payment, executing the small-amount password-free payment.

In some embodiments, the method further comprises:

acquiring historical consumption information of the user and acquiring attribute information of a payment card of the user;

determining the consumption discrete degree and the consumption characteristic adjusting information according to the historical consumption information, and determining the expected consumption information according to the consumption discrete degree and the consumption record in the historical time period;

determining the risk factor according to the historical consumption information and the attribute information of the payment card;

and predicting to obtain an expected limit according to the expected consumption information, the consumption characteristic adjustment information and the risk factor, and generating a plurality of limit intervals according to the expected limit and the consumption discrete degree.

In some embodiments, the historical consumption information characterizes consumption records of the user over a preset historical period; determining the consumption dispersion degree according to the historical consumption information, comprising:

determining average consumption information of the user in the historical period according to the consumption record in the historical period, and determining the consumption discrete degree of each consumption of the user in the historical period according to the average consumption information and the consumption record in the historical period;

and determining the expected consumption information according to the consumption discrete degree and the consumption record in the historical period, wherein the expected consumption information comprises the following steps:

and determining the expected consumption information according to the average consumption record and the consumption discrete degree.

In some embodiments, after obtaining the historical consumption information of the user, the method further comprises:

determining the consumption amount of the user according to the consumption record in the historical time period, and determining a consumption amount interval corresponding to the consumption amount of the user and a consumption grade corresponding to the consumption amount interval of the user according to a preset mapping relation, wherein the mapping relation is used for representing the consumption amount range of the consumption amount interval and the corresponding relation between the consumption amount interval and the consumption grade;

if the consumption level of the user does not reach the maximum consumption level, determining the consumption level expectation of the user according to the consumption amount of the user and each consumption amount interval;

and determining the expected consumption information according to the average consumption record and the consumption discrete degree, wherein the expected consumption information comprises:

determining the expected consumption information according to the average consumption record, the consumption discrete degree and the consumption level expectation.

In some embodiments, determining the consumption characteristic adjustment information from the historical consumption information comprises:

acquiring the highest date of single-day consumption, the lowest date of single-day consumption, the most dates of single-day consumption records and the least dates of single-day consumption records of the user in the historical period from the consumption records in the historical period;

calculating the average value of each consumption corresponding to the highest single-day consumption date, the lowest single-day consumption date, the most single-day consumption records and the least single-day consumption records of the user, and determining the consumption characteristic adjusting information according to the average value of each consumption corresponding to each consumption.

In some embodiments, the consumption record for the historical period includes a number of times the user transaction failed, a number of times the user paid, a total length of time the user was pulled into a blacklist for the historical period; the attribute information of the payment card comprises application time, effective time and credit information of the payment card; determining the risk factor according to the historical consumption information and the attribute information of the payment card, including:

and determining the risk factor according to the times of user transaction failure, the times of user payment, the total time of the user pulled into a blacklist, the application time of the payment card, the effective time and the credit information.

In a second aspect, an embodiment of the present disclosure provides a micropayment based on secret exemption, including:

the analysis unit is used for responding to a payment request initiated by a user, analyzing the payment request and obtaining transaction amount carried in the payment request;

a first obtaining unit, configured to obtain a small secret-free quota unit corresponding to the user, where the small secret-free quota unit is determined according to a selection operation of the user on any quota interval in a plurality of pushed quota intervals, and the quota intervals are determined according to expected consumption information of the user, consumption feature adjustment information, consumption risk factors, and consumption dispersion degrees, where the expected consumption information, the consumption feature adjustment information, and the consumption dispersion degrees are determined based on historical consumption information of the user, and the consumption risk factors are determined based on the historical consumption information and attribute information of a payment card of the user;

and the payment unit is used for executing the small-amount password-free payment if the transaction amount is less than or equal to the limited amount of the small-amount password-free payment.

In some embodiments, the apparatus further comprises:

the second acquisition unit is used for acquiring the historical consumption information of the user and acquiring the attribute information of the payment card of the user;

the first determining unit is used for determining the consumption discrete degree and the consumption characteristic adjusting information according to the historical consumption information;

the second determining unit is used for determining the expected consumption information according to the consumption discrete degree and the consumption record in the historical period;

a third determining unit, configured to determine the risk factor according to the historical consumption information and the attribute information of the payment card;

the prediction unit is used for predicting to obtain an expected limit according to the expected consumption information, the consumption characteristic adjusting information and the risk factors;

and the generating unit is used for generating a plurality of quota intervals according to the expected quota and the consumption discrete degree.

In some embodiments, the historical consumption information characterizes consumption records of the user over a preset historical period; the first determination unit includes:

the first determining subunit is used for determining average consumption information of the user in the historical period according to the consumption records in the historical period;

the second determining subunit is used for determining the consumption discrete degree of each consumption of the user in the historical period according to the average consumption information and the consumption record in the historical period;

and the third determining subunit is used for determining the expected consumption information according to the average consumption record and the consumption discrete degree.

In some embodiments, the apparatus further comprises:

a fourth determining unit, configured to determine a consumption amount of the user according to the consumption record in the historical period, and determine, according to a preset mapping relationship, a consumption amount interval corresponding to the consumption amount of the user and a consumption level corresponding to the consumption amount interval of the user, where the mapping relationship is used to represent a consumption amount range of the consumption amount interval and a corresponding relationship between the consumption amount interval and the consumption level;

a fifth determining unit, configured to determine, if the consumption level of the user does not reach the maximum consumption level, a consumption level expectation of the user according to the consumption amount of the user and each consumption amount interval;

and the second determining unit is used for determining the expected consumption information according to the average consumption record, the consumption discrete degree and the consumption level expectation.

In some embodiments, the first determining unit includes:

the acquisition subunit is used for acquiring the date of the highest single-day consumption, the date of the lowest single-day consumption, the date of the most single-day consumption records and the date of the least single-day consumption records of the user in the historical period from the consumption records in the historical period;

the calculating subunit is used for calculating the average value of each consumption corresponding to the date with the highest single-day consumption, the date with the lowest single-day consumption, the date with the most single-day consumption records and the date with the least single-day consumption records of the user;

and the fourth determining subunit is used for determining the consumption characteristic adjusting information according to the corresponding average value of each consumption.

In some embodiments, the consumption record for the historical period includes a number of times the user transaction failed, a number of times the user paid, a total length of time the user was pulled into a blacklist for the historical period; the attribute information of the payment card comprises application time, effective time and credit information of the payment card; the third determining unit is configured to determine the risk factor according to the number of times that the user transaction fails, the number of times that the user pays, a total length of time that the user is pulled into a blacklist, an application time, an effective time, and reputation information of the payment card.

In a third aspect, an embodiment of the present disclosure provides an electronic device, including: a memory, a processor;

a memory; a memory for storing the processor-executable instructions;

wherein the processor is configured to perform the method of the first aspect.

In a fourth aspect, the present disclosure provides a computer-readable storage medium having stored therein computer-executable instructions for implementing the method according to the first aspect when executed by a processor.

In a fifth aspect, the disclosed embodiments provide a computer program product comprising a computer program that, when executed by a processor, implements the method according to the first aspect.

The payment method and the device based on the small amount privacy free are provided by the embodiment of the disclosure, the payment request is analyzed by responding to the payment request initiated by the user, the transaction amount carried in the payment request is obtained, and the small amount privacy free quota corresponding to the user is obtained, wherein the small amount privacy free quota is determined according to the selection operation of the user aiming at any quota interval in a plurality of pushed quota intervals, the quota intervals are determined according to the expected consumption information, the consumption characteristic adjustment information, the consumption risk factors and the consumption discrete degree of the user, the expected consumption information, the consumption characteristic adjustment information and the consumption discrete degree are determined based on the historical consumption information of the user, the consumption risk factors are determined based on the historical consumption information and the attribute information of the payment card of the user, and if the transaction amount is less than or equal to the small amount privacy free quota, the technical scheme of small-amount secret-free payment is executed, the problems that the payment process is complicated and the like caused by fixed limit amounts in the related technology are solved, the payment efficiency is improved, the flexibility and diversity of payment are improved, the diversification of consumption of different users is met as far as possible, and the technical effect of improving the payment experience of the users is achieved.

Drawings

The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present disclosure and together with the description, serve to explain the principles of the disclosure.

FIG. 1 is a schematic diagram of a micropayment privacy-based payment method according to one embodiment of the present disclosure;

FIG. 2 is a schematic diagram of an application scenario of a micropayment privacy-free based payment method according to an embodiment of the present disclosure;

FIG. 3 is a schematic diagram of a micropayment privacy-based payment method according to another embodiment of the present disclosure;

FIG. 4 is a schematic diagram of a micropayment privacy-based payment device according to one embodiment of the present disclosure;

FIG. 5 is a schematic diagram of a micropayment privacy-based payment device according to another embodiment of the present disclosure;

fig. 6 is a block diagram of an electronic device for a micropayment privacy-free based method according to an embodiment of the present disclosure.

With the foregoing drawings in mind, certain embodiments of the disclosure have been shown and described in more detail below. These drawings and written description are not intended to limit the scope of the disclosed concepts in any way, but rather to illustrate the concepts of the disclosure to those skilled in the art by reference to specific embodiments.

Detailed Description

Reference will now be made in detail to the exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, like numbers in different drawings represent the same or similar elements unless otherwise indicated. The implementations described in the exemplary embodiments below are not intended to represent all implementations consistent with the present disclosure. Rather, they are merely examples of apparatus and methods consistent with certain aspects of the present disclosure, as detailed in the appended claims.

With the development of internet technology, online consumption is favored by people, and accordingly, mobile payment is widely popularized, and because the payment can be completed without passwords and signatures due to the fact that the small-amount password-free password is convenient and fast to pay to a certain extent, the small-amount password-free password is gradually accepted by people as a convenient payment mode.

The mobile payment means that the mobile client uses electronic products such as a mobile phone and the like to carry out electronic money payment, and the mobile payment effectively combines the internet, terminal equipment and a financial institution to form a novel payment system.

For example, the user equipment (e.g., an electronic device such as a mobile phone, a notebook computer, a desktop computer, etc.) may provide a control for turning on or turning off the small amount privacy protection function, and the user may select to turn on or turn off the small amount privacy protection function through the control.

If the user selects to open the small-amount password-free function through the control, when the user initiates a payment request to a payment system (or a payment platform) through user equipment (such as electronic equipment like a mobile phone, a notebook computer, a desktop computer and the like), the payment system can acquire the limited amount of the small-amount password-free function, so that when the payment amount corresponding to the payment request is smaller than the limited amount, the small-amount password-free payment operation is executed, namely, the payment is finished without a password or a signature.

However, in the related art, the quota is a fixed value and is generally set to a relatively small amount to ensure the security of payment.

However, different users have different consumption habits and behaviors, the fixed limit amount cannot meet the personalized requirements of the users, the payment experience of the users is affected, the fixed limit amount may cause delay or failure of the consumption behaviors of the users, and the payment efficiency and success rate are indirectly reduced.

In order to avoid at least one of the above technical problems, the inventors of the present disclosure have made creative efforts to obtain the inventive concept of the present disclosure: determining a plurality of quota intervals according to the historical consumption information of the user and the attribute information of the payment card of the user, determining the small-amount secret-free quota of the user according to the selection operation of the user on the plurality of quota intervals, and executing small-amount secret-free payment according to the payment request and the small-amount secret-free quota when the user initiates the payment request.

The following describes the technical solutions of the present disclosure and how to solve the above technical problems in specific embodiments. The following several specific embodiments may be combined with each other, and details of the same or similar concepts or processes may not be repeated in some embodiments. Embodiments of the present disclosure will be described below with reference to the accompanying drawings.

According to one aspect of the disclosed embodiments, the disclosed embodiments provide a micropayment based on a micropayment privacy-free.

Referring to fig. 1, fig. 1 is a schematic diagram of a micropayment based on a secret-free method according to an embodiment of the present disclosure.

As shown in fig. 1, the method includes:

s101: and responding to the payment request initiated by the user, and analyzing the payment request to obtain the transaction amount carried in the payment request.

For example, the execution subject of this embodiment is a small-amount privacy-free payment device (hereinafter, simply referred to as a payment device), and the payment device may be a terminal device, a user device, a processor, a chip, or the like, which is not limited in this embodiment.

For example, fig. 2 is a schematic diagram of an application scenario of a micropayment based secret-free payment method according to an embodiment of the present disclosure, as shown in fig. 2:

a user 201 may purchase goods via a user device 202, such as a cell phone as shown in fig. 2. The user device 202 outputs a payment interface as shown in fig. 2. If the user 201 clicks the virtual button of "confirm payment", the user device 202 generates a payment request carrying the transaction amount of "XX yuan", and transmits the payment request to the payment system 203 (for example, the payment device of the execution subject in this embodiment).

It should be understood that fig. 2 is only used for exemplarily illustrating an application scenario to which the micropayment based privacy-exempt method of the embodiment of the present disclosure may be applied, and is not to be construed as a limitation of the application scenario of the embodiment of the present disclosure.

For example, in conjunction with the above analysis, the user equipment may be other electronic equipment, such as a notebook computer, besides the mobile phone shown in fig. 2.

S102: and acquiring a small amount of secret-free quota corresponding to the user.

The small-amount secret-free quota limit is determined according to the selection operation of the user on any quota interval in the multiple pushed quota intervals, the multiple quota intervals are determined according to the expected consumption information, the consumption characteristic adjustment information, the consumption risk factor and the consumption dispersion degree of the user, the expected consumption information, the consumption characteristic adjustment information and the consumption dispersion degree are determined based on the historical consumption information of the user, and the consumption risk factor is determined based on the historical consumption information and the attribute information of the payment card of the user.

The payment card may be a physical card, or may also be a virtual card that is stored in the user equipment and simulates a physical card, which is not limited in this embodiment.

For example, the payment apparatus may obtain information related to consumption that has occurred to the user (i.e., historical consumption information), such as an amount of consumption and a number of times of consumption, and may obtain information related to the payment card of the user (i.e., attribute information of the payment card), such as an application time and a usage duration of the payment card.

The expected consumption information refers to possible consumption conditions of the user, such as the amount and frequency of consumption. The consumption characteristic adjustment information is information for compensating the consumption information of the user in a relatively normal state, which is determined based on the relatively abnormal consumption information of the user. The consumption risk factor refers to a possibility that a user may have dishonest consumption behavior due to the reputation of the user. The consumption dispersion degree refers to the fluctuation of the historical consumption of the user.

S103: and if the transaction amount is less than or equal to the limited amount of the small amount of the password-free payment, executing the small amount of the password-free payment.

Illustratively, the transaction device compares the transaction amount with the small-amount password-free limit amount to judge the size between the transaction amount and the small-amount password-free limit amount, and if the transaction amount is smaller than the small-amount password-free limit amount, the transaction device executes small-amount password-free payment, namely the payment is finished when the user cannot sign or provide a password; otherwise, if the transaction amount is larger than the small secret-free limit amount, the payment can be completed in a mode of signing by the user or inputting a password.

Based on the above analysis, the disclosed embodiment provides a payment method based on small amount privacy protection, and the method includes: responding to a payment request initiated by a user, analyzing the payment request, obtaining a transaction amount carried in the payment request, and obtaining a small-amount secret-free quota corresponding to the user, wherein the small-amount secret-free quota is determined according to a selection operation of the user for any quota interval in a plurality of quota intervals pushed by the user, the quota intervals are determined according to expected consumption information, consumption characteristic adjustment information, consumption risk factors and consumption dispersion degree of the user, the expected consumption information, the consumption characteristic adjustment information and the consumption dispersion degree are determined based on historical consumption information of the user, the consumption risk factors are determined based on historical consumption information and attribute information of a payment card of the user, if the transaction amount is less than or equal to the small-amount secret quota, the small-amount secret-free payment quota is not executed, in the embodiment, introduces the following components: the method comprises the steps of determining a plurality of quota intervals according to historical consumption information and attribute information of a payment card, determining a small-amount secret-free quota from the quota intervals according to selection operation of a user, and combining technical characteristics of payment based on the small-amount secret-free quota intervals determined by the quota intervals when in payment, so that the problems of complicated payment process and the like caused by fixed quota amounts in the related technology are avoided, the payment efficiency is improved, the payment flexibility and diversity are improved, diversification of consumption of different users is met as much as possible, and the technical effect of improving the payment experience of the user is realized.

Referring to fig. 3, fig. 3 is a schematic diagram of a micropayment based on a secret-less payment method according to another embodiment of the disclosure.

As shown in fig. 3, the method includes:

s301: and responding to the payment request initiated by the user, and analyzing the payment request to obtain the transaction amount carried in the payment request.

It should be understood that, regarding the technical features of the present embodiment that are the same as those of the above embodiments, the present embodiment is not described again.

S302: the method comprises the steps of obtaining historical consumption information of a user and obtaining attribute information of a payment card of the user.

The historical consumption information represents consumption records of the user in a preset historical period, such as consumption records of the user in the previous month or consumption records of a quarter, and the specific duration of the historical period may be determined based on the demand, the historical records, the tests and other manners, which is not limited in this embodiment.

Illustratively, the consumption records in the history period include the number of times of transaction failures of the user, the number of times of payment of the user, the total time period for which the user is pulled into the blacklist, and the like, which are not listed herein. The attribute information of the payment card includes the application time, the validity time, and the reputation information of the payment card, which are not listed here.

S303, judging whether the user is a person who loses confidence, if so, executing S304, and if not, executing S306.

In some embodiments, the attribute information of the payment card may include a basic information Table _ TransFlow of the payment card, where the basic information Table includes a reputation identifier of the user, and the reputation identifier is used to determine whether the user is a person who loses credit, and in general, a blacklist including the person who loses credit may be set, and if a user is a user in the blacklist, the user is a person who loses credit.

The reputation identification can be determined based on historical consumption information, and whether the user is a person who loses credit can be determined through a preset field in the basic information table. For example, if the preset field is 1 for a certain user, that is, the reputation identifier of the user is 1, it indicates that the reputation identifier is an identifier in an activated state, and the user is a person who loses confidence; otherwise, if the preset field is 0, that is, the reputation identification of the user is 0, it indicates that the user is a non-trusted person.

It should be understood that the above embodiments are only exemplary for illustrating the preset field and the reputation identification, and are not to be construed as limiting the preset field and the reputation identification. For example, the preset field and reputation identification may also be represented by other numbers.

S304: and outputting an input interface for acquiring the payment password or the user signature.

S305: and acquiring a payment password or a user signature based on the input operation of the user based on the input interface, and executing payment according to the payment password or the user signature.

That is, in this embodiment, if the user is a trusted person, instead of providing a small amount of privacy-free service for the user, an input interface is provided, so that the user inputs a payment password or a user signature on the input interface, thereby realizing payment of the transaction amount.

S306: and judging whether the user is an active consumer, if not, executing S307, and if so, executing S308.

The active consumers refer to users who consume more than or equal to a preset number threshold (namely, the minimum standard number) in the historical time period.

This step can be understood as: determining the consumption times of the user, comparing the consumption times with a time threshold value, executing S308 if the consumption times are larger than or equal to the time threshold value, and executing S307 if the consumption times are smaller than the time threshold value.

In some embodiments, the number of consumptions may be determined based on historical consumption information. For example, the historical consumption information is consumption information of the previous month (i.e. the historical period), and the message information can be represented by a consumption flow schedule Table _ TransFlow, the total consumption time TC of the previous month can be determined according to the consumption flow schedule Table, if the time threshold is TC_{bottom_month}And TC < TC_{bottom_month}If the user is an inactive consumer; otherwise, if TC ≧ TC_{bottom_month}The user is an active consumer.

S307: determining the limit amount of the small amount without secret as the preset minimum limit amount Q without secret_min。

That is, the payment apparatus may preset a minimum amount of the small amount of the secret-free credit based on the demand, history, experiment, and interaction with the user, so that when the user is an inactive consumer, that is, the number of consumption times of the user is relatively small, the minimum amount of the small amount of the secret-free credit may be determined as the preset minimum amount of the small amount of the secret-free credit Q_min。

In some embodiments, the payment device may set the user's small amount of privacy-free services to an off state if the user is an inactive consumer. That is, when the user starts the small amount privacy-free service through the user equipment, the corresponding small amount privacy-free service is executed, and the default is that the user does not adopt the small amount privacy-free service.

S308: and acquiring the consumption grade of the user, and determining the consumption grade expectation of the user according to the consumption grade.

In some embodiments, the consumption amount of the user may be determined according to the consumption record in the historical period, and the consumption amount interval corresponding to the consumption amount of the user and the consumption level corresponding to the consumption amount interval of the user may be determined according to the preset mapping relationship. The mapping relation is used for representing the consumption amount range of the consumption amount interval and the corresponding relation between the consumption amount interval and the consumption grade.

For example, the mapping relationship may be determined based on consumption records in a history period, such as the mapping relationship may be represented in a table form.

For example, different consumers have different consumption habits, different consumption groups can be distinguished through consumption grade division, namely, different users are distinguished based on different consumption grades. Specifically, each consumption amount can be divided into a plurality of consumption levels, and under consumption amount intervals with different consumption levels, the consumption level of the user can be evaluated by adopting the proportion of each consumption amount of the user in a historical period in the plurality of consumption amount intervals.

In some embodiments, the spending level may include five levels, and the corresponding spending amount interval may also include five, as shown in the following table:

consumption level	Consumption money interval (Yuan)
		1	(0,50]
2	(50,200]
		3	(200,500]
4	(500,1000]
		5	(1000,∞)

It should be understood that the above table is only used for illustrating the possible mapping relationship between the consumption level and the consumption amount interval, and is not to be construed as a limitation of the mapping relationship between the consumption level and the consumption amount interval.

The consumption amount of each time of the user in the consumption level 1 to the consumption level 5 can be represented by a one-dimensional array time ═ { a, b, c, d, e }, that is, the number of times of the consumption level 1 is a, the number of times of the consumption level 2 is b, the number of times of the consumption level 3 is c, the number of times of the consumption level 4 is d, and the number of times of the consumption level 5 is e.

Based on the above analysis, the payment device can also preset the minimum amount of the secret-free quota Q_minCorrespondingly, the payment device can also preset the maximum amount of the secret-free quota Q_max. Similarly, the payment device may preset the minimum small amount of the secret-free quota based on the requirement, history, experiment, and interaction with the user, so that when the user is an inactive consumer, i.e. the consumption frequency of the user is relatively low, the small amount of the secret-free quota may be determined as the preset maximum small amount of the secret-free quota Q_max。

If max (times) e, that is, if the consumption level of the user with the largest number of consumption times does not reach the maximum consumption level, the payment device may provide the user with the maximum amount Q_maxOtherwise, the consumption level expectation e (level) of the user may be calculated according to the consumption level. For example, the consumption level expectation e (level) may be calculated by equation 1, equation 1:

s309: and determining average consumption information and consumption dispersion degree according to the historical consumption information.

For example, if it is determined that the consumption number is n according to the consumption record in the history period, the average consumption information may be represented by the consumption average value, and the consumption average value AM may be calculated by equation 2, where equation 2:

accordingly, the consumption dispersion degree may be determined according to the average consumption information and the historical consumption information, for example, the consumption dispersion degree Var may be calculated by equation 3, equation 3:

in contrast, the larger the consumption dispersion degree Var, the less regularity the user consumes in the historical period, and conversely, the smaller the consumption dispersion degree Var, the more regularity the user consumes in the historical period, that is, the more prominent the consumption rule, the consumption habit tends to be stable.

It is worth saying that the consumption discrete degree is determined by the method of the embodiment, and the consumption characteristics of the user can be fully represented, so that the technical effect of improving the reliability and accuracy of determining the quota interval when the quota interval is determined by combining the consumption discrete degree is achieved.

S310: and determining expected consumption information according to the average consumption information and the consumption discrete degree.

In some embodiments, a threshold σ (which may be set based on demand, history, and trial, but is not limited in this embodiment), a weight λ (where λ < 0.5), and a weight μ (where μ > 0.5) may be introduced to determine the expected consumption information in combination with the average consumption information and the consumption dispersion degree.

For example, the expected consumption information may be represented by an expected consumption rate ω, and the expected consumption rate ω may be calculated by equation 4, equation 4:

in this embodiment, the expected consumption cost for representing the expected consumption information is determined by the method, and the expected consumption information can be determined from the dimension of the consumption rule of the user, so that the determined expected consumption information has high actual fitness, and the technical effects of accuracy and reliability of prediction are improved.

S311: and determining consumption characteristic adjustment information according to the historical consumption information.

Illustratively, S311 may include the steps of:

the first step is as follows: and acquiring the date with the highest single-day consumption, the date with the lowest single-day consumption (not 0), the date with the most single-day consumption records and the date with the least single-day consumption records of the user in the historical period from the consumption records in the historical period.

The second step is as follows: calculating the average value of each consumption corresponding to the date with the highest single-day consumption, the date with the lowest single-day consumption, the date with the most single-day consumption records and the date with the least single-day consumption records of the user, and determining the consumption characteristic adjusting information according to the average value of each consumption corresponding to each consumption.

That is, the four selected dates may be represented by the array Spe ═ m, n, p, q in order of the average value of the four days, and the average Cost (day) of the amount of money consumed corresponding to the date may be calculated max (Spe)_max(spe)) And the consumption characteristic adjustment information may be represented by a consumption characteristic adjustment value θ, so that the consumption characteristic adjustment value θ may be calculated by equation 5, equation 5:

wherein m is the consumption average value of the date with the highest single-day consumption of the user, k is the consumption average value of the date with the lowest single-day consumption, p is the consumption average value of the date with the most single-day consumption records, and q is the consumption average value of the date with the least single-day consumption records.

In this embodiment, by determining the consumption characteristic adjustment information, the relatively abnormal consumption of the user can be fully considered, so that when the small secret-free quota is determined by combining the consumption characteristic adjustment information, the small secret-free quota can be fused with a special dimensional element (namely, the relatively abnormal consumption of the user), and thus the determined small secret-free quota can have higher effectiveness and reliability.

S312: and determining a risk factor according to the historical consumption information and the attribute information of the payment card.

In some embodiments, S312 may include: according to the times x of user transaction failure, the times n of user payment and the total time length of the user pulled into the blacklist

(y is the number of times of being blacked out), the Time of application for the payment card_AppEffective Time_ExpAnd reputation information (which may be by reputation value Level)_STRepresentation), the risk factor epsilon is determined.

Specifically, the risk factor epsilon can be calculated by equation 6, equation 6:

in some embodiments, a mapping between the type of payment card and the reputation value may be constructed to determine the reputation information of the user from the attribute information of the user's payment card.

For example, as shown in the following table, the payment cards may be categorized into different classes, such as a general card, a gold card, a platinum card, and a diamond card, and accordingly, different payment card classes may correspond to different reputation values.

Payment card rating	Reputation value
		Common card	1.0
Gold card	1.5
		Platinum card	1.8
Diamond card	2.0

Similarly, the above table is only used for exemplary illustration of possible mapping relationships between the payment card level and the reputation value, and is not to be understood as a limitation of the mapping relationship between the payment card level and the reputation value.

In the embodiment, the risk factor is determined by combining elements such as the reputation value of the user, so that the possible consumption risk condition of the user is fully considered, the small-amount secret-free quota is determined based on a relatively comprehensive dimension, and the small-amount secret-free quota has a technical effect of relatively high reliability.

S313: and determining a small secret-free quota according to the expected consumption information, the consumption characteristic adjustment information, the consumption risk factor and the consumption discrete degree.

For example, a small privacy-free quota may be calculated by equation 7, equation 7: .

Combining the above analysis, it can be known that the fluctuation of the historical consumption of the user may be larger or smaller, and different quota intervals can be provided for the user, so as to determine the quota limit with the small quota and without the secret based on the different quota intervals. The consumption dispersion degree and the quota interval can be seen in the following table.

Specifically, if Var is less than or equal to σ, it indicates that the fluctuation of the historical consumption of the user is not large, and then the quota limit of relatively few levels can be provided to determine the small and secret-free quota limit, as shown in the above table, the quota limit of four levels can be provided; on the contrary, if Var > σ, which indicates that the historical consumption of the user fluctuates relatively greatly, it is obvious that relatively more levels of quota limit may be provided to determine the small, secret-free quota limit, as shown in the above table, six levels of quota limit may be provided.

Similarly, the above table is only used for illustrating the possible mapping relationship between the consumption discrete degree and the quota interval, and is not to be understood as the limitation of the mapping relationship between the consumption discrete degree and the quota interval.

In the embodiment, the small-amount secret-free quota is determined by combining the expected consumption information, the consumption characteristic adjustment information, the consumption risk factors and the consumption discrete degree, and each dimension of consumption of a user can be fully considered, so that the small-amount secret-free quota can be flexibly determined, the small-amount secret-free quota has high individuation, the technical effects of accuracy and reliability of the small-amount secret-free quota are improved, and the effectiveness and reliability of payment are further improved.

S314: and acquiring a small amount of secret-free quota corresponding to the user.

S315: and if the transaction amount is less than or equal to the limited amount of the small amount of the password-free payment, executing the small amount of the password-free payment.

According to another aspect of the disclosed embodiment, the disclosed embodiment further provides a micropayment based on the micropayment secret-free method.

Referring to fig. 4, fig. 4 is a schematic diagram of a micropayment based on a secret-free password according to an embodiment of the present disclosure.

As shown in fig. 4, the micropayment privacy-based apparatus 400 includes:

the analysis unit 401 is configured to respond to a payment request initiated by a user, and analyze the payment request to obtain a transaction amount carried in the payment request.

A first obtaining unit 402, configured to obtain a small and secret-free quota limit corresponding to the user, where the small and secret-free quota limit is determined according to a selection operation of the user for any quota interval in a plurality of pushed quota intervals, and the quota intervals are determined according to expected consumption information, consumption feature adjustment information, consumption risk factors, and consumption dispersion degrees of the user, where the expected consumption information, the consumption feature adjustment information, and the consumption dispersion degrees are determined based on historical consumption information of the user, and the consumption risk factors are determined based on the historical consumption information and attribute information of a payment card of the user.

A payment unit 403, configured to execute the small-amount password-free payment if the transaction amount is less than or equal to the limited amount of the small-amount password-free.

Referring to fig. 5, fig. 5 is a schematic diagram of a payment device based on a micropayment secret-free according to another embodiment of the disclosure.

As shown in fig. 5, the micropayment privacy-based apparatus 500 includes:

a second obtaining unit 501, configured to obtain historical consumption information of the user, and obtain attribute information of a payment card of the user.

A first determining unit 502, configured to determine the consumption dispersion degree and the consumption characteristic adjustment information according to the historical consumption information.

In some embodiments, the historical consumption information represents a consumption record of the user within a preset historical period, and as can be seen in conjunction with fig. 5, the first determining unit 502 includes:

a first determining subunit 5021, configured to determine average consumption information of the user in the history period according to the consumption record in the history period.

A second determining subunit 5022, configured to determine a discrete consumption degree of each consumption of the user in the history period according to the average consumption information and the consumption record in the history period.

A third determining subunit 5023, configured to determine the expected consumption information according to the average consumption record and the consumption dispersion degree.

An obtaining subunit 5024, configured to obtain, from the consumption records in the history period, a date on which the user consumes the most daily consumption, a date on which the user consumes the least daily consumption, a date on which the number of consumption records per day is the largest, and a date on which the number of consumption records per day is the smallest in the history period.

And the calculating subunit 5025 is used for calculating the average value of each consumption corresponding to the date with the highest single-day consumption, the date with the lowest single-day consumption, the date with the most single-day consumption records and the date with the least single-day consumption records.

A fourth determining subunit 5026, configured to determine the consumption characteristic adjustment information according to the respective corresponding average value of each consumption.

A second determining unit 503, configured to determine the expected consumption information according to the consumption dispersion degree and the consumption record in the historical period.

A fourth determining unit 504, configured to determine the consumption amount of the user according to the consumption record in the historical time period, and determine, according to a preset mapping relationship, a consumption amount interval corresponding to the consumption amount of the user and a consumption level corresponding to the consumption amount interval of the user, where the mapping relationship is used to represent a consumption amount range of the consumption amount interval and a corresponding relationship between the consumption amount interval and the consumption level.

A fifth determining unit 505, configured to determine, if the consumption level of the user does not reach the maximum consumption level, the consumption level expectation of the user according to the consumption amount of the user and each consumption amount interval.

Correspondingly, the second determining unit 503 is configured to determine the expected consumption information according to the average consumption record, the consumption dispersion degree, and the consumption level expectation.

A third determining unit 506, configured to determine the risk factor according to the historical consumption information and the attribute information of the payment card.

In some embodiments, the consumption record for the historical period includes a number of times the user transaction failed, a number of times the user paid, a total length of time the user was pulled into a blacklist for the historical period; the attribute information of the payment card comprises application time, effective time and credit information of the payment card; the third determining unit 506 is configured to determine the risk factor according to the number of times that the user transaction fails, the number of times that the user pays, the total duration that the user is pulled into the blacklist, the application time of the payment card, the valid time, and the reputation information.

And the prediction unit 507 is configured to predict an expected quota according to the expected consumption information, the consumption characteristic adjustment information, and the risk factor.

A generating unit 508, configured to generate a plurality of quota intervals according to the expected quota and the consumption dispersion degree.

The analyzing unit 509 is configured to, in response to a payment request initiated by a user, analyze the payment request to obtain a transaction amount carried in the payment request.

A first obtaining unit 510, configured to obtain a small secret-free quota unit corresponding to the user, where the small secret-free quota unit is determined according to a selection operation of the user for any quota interval in a plurality of pushed quota intervals, and the quota intervals are determined according to expected consumption information, consumption feature adjustment information, consumption risk factors, and a consumption dispersion degree of the user, where the expected consumption information, the consumption feature adjustment information, and the consumption dispersion degree are determined based on historical consumption information of the user, and the consumption risk factors are determined based on the historical consumption information and attribute information of a payment card of the user.

A payment unit 511, configured to execute the small-amount password-free payment if the transaction amount is less than or equal to the limited amount of the small-amount password-free.

The present disclosure also provides an electronic device and a readable storage medium according to an embodiment of the present disclosure.

According to an embodiment of the present disclosure, the present disclosure also provides a computer program product comprising: a computer program, stored in a readable storage medium, from which at least one processor of the electronic device can read the computer program, the at least one processor executing the computer program causing the electronic device to perform the solution provided by any of the embodiments described above.

As shown in fig. 6, is a block diagram of an electronic device based on a micropayment privacy-free payment method according to an embodiment of the present disclosure. Electronic devices are intended to represent various forms of digital computers, such as laptops, desktops, workstations, personal digital assistants, servers, blade servers, mainframes, and other appropriate computers. The electronic device may also represent various forms of mobile devices, such as personal digital processing, cellular phones, smart phones, wearable devices, and other similar computing devices. The components shown herein, their connections and relationships, and their functions, are meant to be examples only, and are not meant to limit implementations of the disclosure described and/or claimed herein.

As shown in fig. 6, the electronic apparatus includes: one or more processors 601, memory 602, and interfaces for connecting the various components, including a high-speed interface and a low-speed interface. The various components are interconnected using different buses and may be mounted on a common motherboard or in other manners as desired. The processor may process instructions for execution within the electronic device, including instructions stored in or on the memory to display graphical information of a GUI on an external input/output apparatus (such as a display device coupled to the interface). In other embodiments, multiple processors and/or multiple buses may be used, along with multiple memories and multiple memories, as desired. Also, multiple electronic devices may be connected, with each device providing portions of the necessary operations (e.g., as a server array, a group of blade servers, or a multi-processor system). In fig. 6, one processor 601 is taken as an example.

The memory 602 is a non-transitory computer readable storage medium provided by the present disclosure. Wherein the memory stores instructions executable by at least one processor to cause the at least one processor to perform the micropayment based privacy free payment method provided by the present disclosure. A non-transitory computer-readable storage medium of the present disclosure stores computer instructions for causing a computer to perform a micropayment privacy-based payment method provided by the present disclosure.

The memory 602, which is a non-transitory computer readable storage medium, may be used to store non-transitory software programs, non-transitory computer executable programs, and modules, such as program instructions/modules corresponding to the micropayment privacy-based payment method in embodiments of the present disclosure. The processor 601 executes various functional applications of the server and data processing, i.e., implementing the micropayment privacy-based payment method in the above-described method embodiments, by running non-transitory software programs, instructions, and modules stored in the memory 602.

The memory 602 may include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application program required for at least one function; the storage data area may store data created according to use of the electronic device based on the micropayment privacy free method, and the like. Further, the memory 602 may include high speed random access memory, and may also include non-transitory memory, such as at least one magnetic disk storage device, flash memory device, or other non-transitory solid state storage device. In some embodiments, the memory 602 optionally includes memory located remotely from the processor 601, and these remote memories may be connected over a network to an electronic device based on a micropayment privacy-free payment method. Examples of such networks include, but are not limited to, the internet, intranets, local area networks, mobile communication networks, and combinations thereof.

The electronic device based on the micropayment privacy-free payment method may further include: an input device 603 and an output device 604. The processor 601, the memory 602, the input device 603 and the output device 604 may be connected by a bus or other means, and fig. 6 illustrates the connection by a bus as an example.

The input device 603 may receive input numeric or character information and generate key signal inputs related to user settings and function control of the electronic device based on the micropayment privacy-free method, such as a touch screen, a keypad, a mouse, a track pad, a touch pad, a pointing stick, one or more mouse buttons, a track ball, a joystick, or other input devices. The output devices 604 may include a display device, auxiliary lighting devices (e.g., LEDs), and tactile feedback devices (e.g., vibrating motors), among others. The display device may include, but is not limited to, a Liquid Crystal Display (LCD), a Light Emitting Diode (LED) display, and a plasma display. In some implementations, the display device can be a touch screen.

Various implementations of the systems and techniques described here can be realized in digital electronic circuitry, integrated circuitry, application specific ASICs (application specific integrated circuits), computer hardware, firmware, software, and/or combinations thereof. These various embodiments may include: implemented in one or more computer programs that are executable and/or interpretable on a programmable system including at least one programmable processor, which may be special or general purpose, receiving data and instructions from, and transmitting data and instructions to, a storage system, at least one input device, and at least one output device.

These computer programs (also known as programs, software applications, or code) include machine instructions for a programmable processor, and may be implemented using high-level procedural and/or object-oriented programming languages, and/or assembly/machine languages. As used herein, the terms "machine-readable medium" and "computer-readable medium" refer to any computer program product, apparatus, and/or device (e.g., magnetic discs, optical disks, memory, Programmable Logic Devices (PLDs)) used to provide machine instructions and/or data to a programmable processor, including a machine-readable medium that receives machine instructions as a machine-readable signal. The term "machine-readable signal" refers to any signal used to provide machine instructions and/or data to a programmable processor.

To provide for interaction with a user, the systems and techniques described here can be implemented on a computer having: a display device (e.g., a CRT (cathode ray tube) or LCD (liquid crystal display) monitor) for displaying information to a user; and a keyboard and a pointing device (e.g., a mouse or a trackball) by which a user can provide input to the computer. Other kinds of devices may also be used to provide for interaction with a user; for example, feedback provided to the user can be any form of sensory feedback (e.g., visual feedback, auditory feedback, or tactile feedback); and input from the user may be received in any form, including acoustic, speech, or tactile input.

The systems and techniques described here can be implemented in a computing system that includes a back-end component (e.g., as a data server), or that includes a middleware component (e.g., an application server), or that includes a front-end component (e.g., a user computer having a graphical user interface or a web browser through which a user can interact with an implementation of the systems and techniques described here), or any combination of such back-end, middleware, or front-end components. The components of the system can be interconnected by any form or medium of digital data communication (e.g., a communication network). Examples of communication networks include: local Area Networks (LANs), Wide Area Networks (WANs), and the Internet.

The computer system may include clients and servers. A client and server are generally remote from each other and typically interact through a communication network. The relationship of client and server arises by virtue of computer programs running on the respective computers and having a client-server relationship to each other.

Other embodiments of the disclosure will be apparent to those skilled in the art from consideration of the specification and practice of the disclosure disclosed herein. This disclosure is intended to cover any variations, uses, or adaptations of the disclosure following, in general, the principles of the disclosure and including such departures from the present disclosure as come within known or customary practice within the art to which the disclosure pertains. It is intended that the specification and examples be considered as exemplary only, with a true scope and spirit of the disclosure being indicated by the following claims.

It will be understood that the present disclosure is not limited to the precise arrangements described above and shown in the drawings and that various modifications and changes may be made without departing from the scope thereof. The scope of the present disclosure is limited only by the appended claims.

Claims

1. A micropayment privacy-free based payment method comprising:

2. The method of claim 1, further comprising:

3. The method of claim 2, wherein the historical consumption information characterizes consumption records of the user over a preset historical period; determining the consumption dispersion degree according to the historical consumption information, comprising:

4. The method of claim 3, after obtaining the user's historical consumption information, further comprising:

5. The method of claim 2, wherein determining the consumption characteristic adjustment information from the historical consumption information comprises:

6. The method of any of claims 2-4, wherein the consumption record for the historical period includes a number of times the user transaction failed, a number of times the user paid, a total length of time the user was pulled into a blacklist for the historical period; the attribute information of the payment card comprises application time, effective time and credit information of the payment card; determining the risk factor according to the historical consumption information and the attribute information of the payment card, including:

7. A micropayment privacy-free based payment device comprising:

8. An electronic device, comprising: a memory, a processor;

a memory; a memory for storing the processor-executable instructions;

wherein the processor is configured to perform the method of any one of claims 1-6.

9. A computer-readable storage medium having stored therein computer-executable instructions for implementing the method of any one of claims 1-6 when executed by a processor.

10. A computer program product comprising a computer program which, when executed by a processor, implements the method according to any one of claims 1-6.