PAYMENT CARD BINDING METHOD, TRUST EVALUATION METHOD, APPARATUS, AND ELECTRONIC DEVICE

  • US 20200279248A1
  • Filed: 05/21/2020
  • Published: 09/03/2020
  • Est. Priority Date: 01/23/2018
  • Status: Active Grant
First Claim
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1. A computer-implemented method, comprising:

  • receiving a payment card binding request from a digital wallet client installed on a computing device to bind a payment card 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;

    sending a payment request to a payment system according to the account information of the payment card;

    in response to the payment request being successfully processed by the payment system, determining (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;

    inputting the account trust level, the device trust level, and the environment trust level into a trained classifier to determine a new card trust level (NCTL), wherein the classifier comprises a plurality of weights respectively corresponding to the account trust level, the device trust level, and the environment trust level, and the plurality of weights are 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;

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

    binding, 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.

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