Payment card binding method, trust evaluation method, apparatus, and electronic device

  • US 10,902,415 B2
  • Filed: 05/21/2020
  • Issued: 01/26/2021
  • Est. Priority Date: 01/23/2018
  • Status: Active Grant
First Claim
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1. A computer-implemented method, comprising:

  • receiving, at a server, a payment card binding request from a digital wallet client installed on a computing device of a user to bind a new payment card of the user with a digital wallet account, wherein the payment card binding request comprises account data of the digital wallet account, device data of the computing device, environment data of the computing device, and account information of the payment card, wherein;

    the account data comprises;

    an account identifier, a registration time, or personal information of an account owner;

    the device data comprises;

    a device identifier of the computing device or a media access control (MAC) address of the computing device; and

    the environment data comprises;

    a name of a wireless network connected to the computing device, an IP address of the computing device, or location information of the computing device;

    sending a micro charge payment request from the server to a payment system according to the account information of the payment card, wherein the micro charge payment request is to verify the validity of the payment card;

    in response to the micro charge payment request being successfully processed by the payment system, sending from the server to a risk control system associated with the server a request to determine (1) an account trust level based on the account data, (2) a device trust level based on the device data, and (3) an environment trust level based on the environment data, wherein the risk control system is configured to;

    input the determined account trust level, the device trust level, and the environment trust level into a trained new card trust level (NCTL) model to determine a NCTL, wherein the NCTL model is trained to provide a plurality of weights respectively corresponding to the account trust level, the device trust level, and the environment trust level, and wherein the NCTL model is trained based on a plurality of historical payment card binding requests of a plurality of wallet accounts, and historical transaction data of the plurality of wallet accounts; and

    determine, based on the NCTL, a payment limit restriction for the digital wallet account using the payment card on the computing device;

    binding, at the server, based on the NCTL and the payment limit restriction, the digital wallet account with the payment card for the digital wallet account to use the payment card for future payments;

    receiving, at the server, a subsequent payment request to make a payment with the digital wallet account using the payment card;

    sending, from the server to the risk control system, a verification request to perform verification to determine whether to allow the subsequent payment request, wherein the verification is based on a payment amount of the subsequent payment request and the NCTL and the payment limit restriction at the time of the subsequent payment request;

    receiving, at the server, from the risk control system, a response to the verification request; and

    wherein the risk control system is configured to adjust the NCTL and the payment limit restriction based on transaction records or payment refusal records generated after the payment card is bound to the digital wallet account.

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