Patent ID: 11861621
Assignee: ADVANCED NEW TECHNOLOGIES CO., LTD.
Field: IT methods for management (Electrical engineering)
Classification: CPC G  H | IPC G

Claim 6:
7. A non-transitory computer-readable storage medium having stored thereon instructions that, when executed by a processor of a mobile terminal device, cause the mobile terminal device to perform a method for payment risk control, the method comprising:
receiving trigger of a station entering and exiting payment operation on the mobile terminal device;
in response to receiving the trigger, determining whether a current network signal of the mobile terminal device reaches a preset strength, and determining, based on the preset strength, whether to send a request for payment graphic code generation to a cloud server or to an application locally installed on the mobile terminal device;
in response to a determination that the current network signal reaches the preset strength, sending the request for payment graphic code generation to the cloud server, wherein the mobile terminal device is connected with the cloud server through a wireless network;
in response to a determination that the current network signal does not reach the preset strength, sending, to the application locally installed on the mobile terminal device, the request for payment graphic code generation, the request carrying preset risk control features, the risk control features including a payment account feature of an account, a current location feature, and a station entering and exiting feature;
obtaining pre-stored historical risk control features of the account according to the payment account feature in the request;
detecting whether there is a transaction risk for the mobile terminal device by comparing the obtained historical risk control features with the risk control features carried in the request, wherein detecting whether there is a transaction risk comprises:
determining whether to generate a payment graphic code for station entering or station exiting according to the station entering and exiting feature;
in response to a determination to generate the payment graphic code for station entering, determining whether a frequency of the request for payment graphic code generation is higher than a preset threshold, and if so, determining that there is a transaction risk; and
in response to a determination to generate the payment graphic code for station exiting, determining whether the current location feature in the request for payment graphic code generation and a corresponding station entering location feature in the historical risk control features meet a preset location relation condition, and if not, determining that there is a transaction risk; and

after receiving a risk control detection result indicating no transaction risk, generating and displaying the payment graphic code on the mobile terminal device.