Advanced New Technologies Co., Ltd.

Yicheng Lu

Tao Chen

Wenbiao Zhao

Xin Chen

Jupeng Xia

Ning Wang

Shuai Chen

A method for identifying a risk pertaining to a transaction to be processed, includes: identifying a risk pertaining to a transaction to be processed via a fast identification layer in a risk control system, thereby obtaining a first identification result; identifying a risk of interference pertaining to the transaction to be processed via a model for identifying transactions susceptible to interference, thereby obtaining a second identification result; and determining a processing manner for the transaction to be processed based on the first identification result and the second identification result, the processing manner including releasing the transaction to be processed, or further identifying the risk pertaining to the transaction to be processed via the in-depth identification layer in the risk control system.

Method, apparatus and electronic device for identifying risks pertaining to transactions to be processed

Embodiments of the present disclosure disclose identity verification methods, apparatuses, electronic devices, and storage media. In an embodiment, an identity verification method includes: receiving an identity verification request for verifying an identity of a user; determining that the user is an inactive user based on a user service variable value; determining at least one risk level of the user based on at least one user identification method; and determining a user identity verification method based on the at least one risk level and at least one identity verification threshold corresponding to the at least one user identification method, wherein the user identity verification method is one of a strong user identity verification method or a weak user identity verification method.

Threshold determining and identity verification method, apparatus, electronic device, and storage medium

Methods, systems, and apparatus, including computer programs encoded on computer storage media, for a scan-to-pay method are provided. One of the methods includes: receiving a payment request from an operator of a mobile device; and generating a payment code based on the payment request, wherein the payment code comprises first information and second information, with the first information associated with an payment account, and the second information associated with at least one recent behavioral biometric signature of the operator and at least one historical behavioral biometric signature recorded in the mobile device. This scan-to-pay method provides robust risk control with substantially reduced cost, therefore it provides a more friendly user experience on a scan-to-pay application over its conventional counterparts.

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Zhejiang, China

Yicheng Lu