1. The consumer's business has set a quota for flowers, or the customer has set a quota for rational consumption.
2. The system detects the risks in the current trading environment, such as suspecting that it is not the customer's own operation, but someone else's misappropriation, thus limiting the transaction.
3. The consumption amount is really too large. The customer has been spending a lot of money before and is suspected of cashing out by the system, so the risk control is implemented for the account (if the customer has been spending in the same store, it is easy to be suspected of cashing out by the system).
4. The consumer's merchant did not open the flower collection function, and the customer spent money in such offline merchants. If he wants to pay the transaction with the flower bud quota, and only the amount of a single order does not exceed One Happy and Fifty yuan, then he can pay with the flower bud himself.
5. The problem of account security is due to frequently changing equipment login and frequently modifying account information, such as changing bank cards and authenticating mobile phone numbers, which also leads to system risk control.
Real-time large-value payment system (hereinafter referred to as large-value payment system) is an application system developed and constructed by the People's Bank of China according to the needs of payment and settlement in China, and it deals with large-value credit and emergency small-value credit payment business, credit payment business and instant transfer business between banks in the same city and different places within the People's Bank of China system.
function
The construction of large-sum real-time payment system of China People's Bank is based on the reality of China and draws lessons from the experience of payment system construction in developed countries. Its functional features are as follows:
(1) Efficient fund settlement function.
The large payment system adopts the way of direct connection with the direct participants to realize the automatic processing of the whole process of credit payment business from the paying bank to the receiving bank, and implements transaction-by-transaction sending and real-time settlement, and a payment business can arrive in less than 1 minute; Capital settlement, which is connected with the central bond integrated business system, China UnionPay information processing system and inter-bank foreign exchange trading system to realize "DVP" settlement of bond transactions, inter-bank business of UnionPay cards and inter-bank foreign exchange trading business.
(2) Perfect risk prevention function.
According to the core principles of the important payment system of the Bank for International Settlements, a series of preventive and disposal measures are formulated for the liquidity risk, credit risk, legal risk and operational risk that may occur in the operation of the large payment system. The system implements full real-time liquidation of funds, queues unpaid transactions, and adopts an automatic pledge financing mechanism combining bond pledge and fund financing; The emergency disaster backup system of large payment system was built, and the operation and maintenance mechanism was established. Overnight overdraft is prohibited in the system, and the People's Bank of China can provide high penalty interest loans for transactions that have not been paid at the end of the day, effectively preventing payment risks.