CN108629582A - Method for processing business and device - Google Patents

Method for processing business and device Download PDF

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Publication number
CN108629582A
CN108629582A CN201710160542.9A CN201710160542A CN108629582A CN 108629582 A CN108629582 A CN 108629582A CN 201710160542 A CN201710160542 A CN 201710160542A CN 108629582 A CN108629582 A CN 108629582A
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CN
China
Prior art keywords
agent
account
historical trading
trading data
blacklist
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Granted
Application number
CN201710160542.9A
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Chinese (zh)
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CN108629582B (en
Inventor
何进龙
李路
易旭昆
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Huawei Technologies Co Ltd
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Huawei Technologies Co Ltd
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Priority to CN201710160542.9A priority Critical patent/CN108629582B/en
Publication of CN108629582A publication Critical patent/CN108629582A/en
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L67/00—Network arrangements or protocols for supporting network services or applications
    • H04L67/50—Network services
    • H04L67/60—Scheduling or organising the servicing of application requests, e.g. requests for application data transmissions using the analysis and optimisation of the required network resources

Abstract

This application discloses a kind of method for processing business and devices, belong to network technique field.This method includes：The request message of Receiving Agent quotient's account, inquire whether agent's account belongs to blacklist, the blacklist is for storing agent's account that historical trading does not meet preset rules, each agent's account of blacklist storage is determined based on multiple historical trading data samples of each agent's account, each historical trading data sample is included in the historical position information of each agent user and each individual consumer when each historical trading is realized, when determining that agent's account is not belonging to the blacklist, business processing is carried out based on the request message.So, and each historical trading data sample includes the location information of both parties, the location information can be obtained by location technology, need not additionally be increased when hardware device can identify agent's account request business whether meet pre-set rule, be reduced cost.

Description

Method for processing business and device
Technical field
This application involves network technique field, more particularly to a kind of method for processing business and device.
Background technology
Mobile payment (Mobile Money, MM) system refers to the system that various network transaction services may be implemented, mainly Including terminal and MM management servers, for example, deposit business, transferred account service, consumption service etc. may be implemented.Wherein, which manages For reason server for managing various network transaction services, user can carry out account note by terminal in MM management servers Volume, and the account based on registration logs in MM management servers to carry out various network tradings.
In practical application scene, user includes individual consumer and agent user, and agent user is with unit or group The form knitted exists, and individual consumer can handle various businesses by the agent user, for example, deposit business.It is managed in MM In server, generally there is a large amount of number of deposits in agent's account of agent user, for example, when individual consumer needs to do When managing deposit business, agent user is based on agent's account by terminal and logs in MM management servers, to ask MM management clothes Device be engaged in from the certain number of deposits to individual account of agent's account transfer, to realize the deposit business of individual consumer.In order to User is encouraged to use MM systems, the operator general provision agent user of MM management servers is that individual consumer handles certain industry Can dispense with the formalities expense when business, for example, deposit business, and if while handling other business need to collect certain service charge, for example, Transferred account service etc..Some individual consumers continue to pay dues in order to avoid separately selling, and possible request agency commercialization family is by exempting from the industry of service charge Business handles channel and handles other business for needing to collect service charge.If the expense for example, regulation deposit business can dispense with the formalities, a Body user A is transferred accounts with depositing channel into the individual account of individual consumer B at possible request agency commercialization family, and this has violated operation The regulation of quotient.
In the prior art, in order to which the business handled to agent's account is identified, judge that agent's account request is done The business of reason whether there is the case where violation, and identity information recognition mechanism is increased in MM systems.I.e. in business procession, If agent's account request handles the business for exempting from formality expense, needing agent's account to be carried in the request message of transmission needs The identity information of the individual consumer of the business is handled, for example, the identity information is finger print information etc..MM management servers are to this Identity information is verified, however, it is determined that the identity information is the identity information of individual account to be deposited, then is disappeared based on the request Breath carries out business processing, otherwise, does not execute the operation that business processing is carried out based on the request message.And in order to acquire individual consumer Identity information, need to increase information collecting device in MM systems, for example, the information collecting device be fingerprint collecting equipment, Finger print information etc. for enrolling individual consumer.However, so needing additional increase hardware device, cause cost higher.
Invention content
Cause cost higher to solve the problems, such as to need in the prior art additionally to increase hardware device, this application provides A kind of method for processing business and device.The technical solution is as follows：
In a first aspect, a kind of method for processing business is provided, the method includes：
The request message of Receiving Agent quotient's account；Inquire whether agent's account belongs to blacklist, the blacklist Agent's account of preset rules is not met for storing historical trading, each agent's account of the blacklist storage is base It is determined in multiple historical trading data samples of each agent's account, each historical trading data sample is included in respectively The historical position information of historical trading each agent user and each individual consumer when realizing；When determining the agency When quotient's account is not belonging to the blacklist, business processing is carried out based on the request message.
In embodiments of the present invention, when receiving the request message of agent's account, whether agent's account is inquired Belong to blacklist, when determining that agent's account is not belonging to blacklist, business processing is carried out based on request message.Since this is black Agent's account that the historical trading stored in list does not meet preset rules is multiple history based on each agent's account What transaction data sample determined, and each historical trading data sample includes the location information of both parties, which can To be obtained by location technology, therefore, there is no need to additionally increase hardware device can identify the industry of agent's account request Service type reduces cost.
Optionally, whether inquiry agent's account belongs to before blacklist, further includes：Obtain the agent At the appointed time multiple historical trading data samples in section, each historical trading data sample are included in each history to account The historical position information of transaction agent user and each individual consumer when realizing；From the multiple historical trading data sample All specified historical trading data samples are obtained in this, wherein the specified historical trading data sample include in history The historical position information of the transaction individual consumer that the agent user is related to the historical trading when realizing is not belonging to same In the band of position；All specified historical trading data samples based on acquisition, judge whether by agent's account store to In the blacklist.
In the concrete realization, the historical trading data which can regularly handle each agent's account Sample carries out data mining and big data analysis, to identify whether to have the agent of violation to merchandise.When having recognized such transaction When, which can be stored into blacklist.In this way, when receiving request message convenient for MM management servers, it can To be judged whether to carry out business processing based on request message according to agent's account and the blacklist.Also, the embodiment of the present invention In be based in historical trading data sample location information carry out big data analysis, with judge agent's account history hand over Easily whether meet preset rules, need not additionally increase hardware device here, to save cost.
Optionally, all specified historical trading data samples based on acquisition, judge whether agent's account It number stores into the blacklist, including：Count the quantity of all specified historical trading data samples；If all fingers The quantity for determining historical trading data sample is greater than or equal to the first predetermined threshold value, then stores agent's account to described black In list.
In the concrete realization, if specified in multiple historical trading data sample the quantity of historical trading data sample compared with Greatly, it can be said that the bright agent user is often the business that individual consumer handles violation, in that case, MM management services Device determines the agent user, and there are violation situations, will be in agent's account storage to blacklist.
Optionally, all specified historical trading data samples based on acquisition, judge whether agent's account It number stores into the blacklist, including：Obtain the number of the specified historical trading data sample of each agent's account of storage Amount；If the quantity of the specified historical trading data sample of agent's account described in the quantity obtained is maximum, by the agency Quotient's account is stored into the blacklist.
In the concrete realization, if the quantity of the specified historical trading data sample of agent's account is maximum, it is determined that should The number that the corresponding agent user of agent's account handles violation business for individual consumer is most, in that case, MM pipes Reason server determines the agent user, and there are violation situations, will be in agent's account storage to blacklist.
Optionally, all specified historical trading data samples based on acquisition, judge whether agent's account It number stores into the blacklist, including：When each specified historical trading data sample further includes individual account, described in statistics The quantity of the corresponding specified historical trading data sample of each individual account, obtains more in all specified historical trading data samples Individual account sample size；If there is more than or equal to the second predetermined threshold value in the multiple individual account sample size Body account sample size then stores agent's account into the blacklist.
In the concrete realization, if existed more than or equal to the second predetermined threshold value in multiple individual account sample size Individual account sample size then illustrates that the agent user is that some individual consumer repeatedly handles violation business, in this case, MM management servers determine the agent user, and there are violation situations, will be in agent's account storage to blacklist.
Optionally, all specified historical trading data samples based on acquisition, judge whether agent's account It number stores into the blacklist, including：When each specified historical trading data sample further includes transaction limit, described in statistics The transaction limit that all specified historical trading data samples include is more than the specified historical trading data sample of default amount Quantity；If the transaction limit that the specified historical trading data sample includes is more than the specified historical trading of the default amount The quantity of data sample is greater than or equal to third predetermined threshold value, then stores agent's account into the blacklist.
In the concrete realization, if the transaction limit that the specified historical trading data sample includes is more than the default amount The quantity of specified historical trading data sample is greater than or equal to third predetermined threshold value, then illustrates that the agent user repeatedly handles greatly The violation business of amount, in that case, MM management servers determine the agent user, and there are violation situations, by the agency In the storage to blacklist of quotient's account.
Optionally, all specified historical trading data samples based on acquisition, judge whether agent's account It number stores into the blacklist, including：When each specified historical trading data sample further includes exchange hour, described in statistics The exchange hour that all specified historical trading data samples include is in the specified historical trading data in preset time range The quantity of sample；If the exchange hour that the specified historical trading data sample includes is in specified in preset time range The quantity of historical trading data sample is greater than or equal to the 4th predetermined threshold value, then stores agent's account to the black name Dan Zhong.
In the concrete realization, if the exchange hour that the specified historical trading data sample includes is in preset time range The quantity of interior specified historical trading data sample is greater than or equal to the 4th predetermined threshold value, then illustrates that the agent user repeatedly exists Unsocial hours is that individual consumer handles violation business, and in this case, MM management servers determine the agent user There are violation situations, which is stored into the blacklist.
Optionally, after the progress business processing based on the request message, further include：
As carrying first movement user's International Integrated Services data network number MSISDN and second in the request message When MSISDN, position enquiring request is generated based on the first MSISDN and the 2nd MSISDN, the first MSISDN is request The MSISDN of the target individual user of transacting business, the 2nd MSISDN are the MSISDN of the agent user；To based on The server LBS of position sends position enquiring request, so that the LBS is based on the first MSISDN and the 2nd MSISDN and inquires And return to the location information of the target individual user and the agent user；Receive the target that the LBS is sent The location information of body user and the agent user；Believed based on the position of the target individual user and the agent user Breath generates historical trading data sample.
In the concrete realization, continue data statistic analysis for the ease of follow-up MM management servers, managed as the MM Reason server determines business processing is carried out based on the request message when agent's account is not belonging to the blacklist after, can be with Historical trading data sample is generated based on this transaction, in this way, the precision of data analysis can be improved.
Second aspect provides a kind of business processing device, and described device is for realizing the industry described in above-mentioned first aspect Business processing method.
The third aspect, an embodiment of the present invention provides a kind of computer storage media, including instruction, when its on computers When operation so that computer executes the method described in above-mentioned first aspect.
Fourth aspect, the embodiment of the present invention additionally provides a kind of computer program product including instruction, when it is being calculated When being run on machine so that computer executes the method described in above-mentioned first aspect.
5th aspect, the embodiment of the present invention also provide a kind of communication chip, are applied in MM management servers, the communication Chip includes：Input/output interface, memory and at least one processor, the memory, the input/output interface pass through Bus is communicated at least one processor, and the memory has program stored therein code, and at least one processor is used In caller code so that the MM management servers execute the method for processing business described in above-mentioned first aspect.
The technique effect that embodiments of the present invention second aspect is obtained technological means corresponding with first aspect obtains The technique effect obtained is approximate, repeats no more herein.
The advantageous effect that technical solution provided by the present application is brought is：When receiving the request message of agent's account, Inquire whether agent's account belongs to blacklist, when determining that agent's account is not belonging to blacklist, asking based on reception Message is asked to carry out business processing.Since agent's account that the historical trading stored in the blacklist does not meet preset rules is base It is determined in multiple historical trading data samples of each agent's account, and each historical trading data sample includes that transaction is double The location information of side, which can be obtained by location technology, and therefore, there is no need to additionally to increase hardware device can Whether meet pre-set rule when identifying agent's account request business, reduces cost.
Description of the drawings
Fig. 1 is a kind of structural schematic diagram of MM systems provided in an embodiment of the present invention；
Fig. 2 is a kind of structural schematic diagram of computer equipment provided in an embodiment of the present invention；
Fig. 3 is that an embodiment of the present invention provides a kind of flow charts of method for processing business；
Fig. 4 A are a kind of structural schematic diagrams of business processing device provided in an embodiment of the present invention；
Fig. 4 B are the structural schematic diagrams of another business processing device provided in an embodiment of the present invention；
Fig. 4 C are the structural schematic diagrams of another business processing device provided in an embodiment of the present invention.
Specific implementation mode
To keep the purpose, technical scheme and advantage of the application clearer, below in conjunction with attached drawing to the application embodiment party Formula is described in further detail.
Fig. 1 is a kind of structural schematic diagram of MM systems provided in an embodiment of the present invention.It include mainly terminal in the MM systems 110 and MM management servers 120, the terminal 110 can pass through cable network or wireless network and the MM management servers 120 Between connect.
Wherein, which can be the terminal that agent user uses, or the terminal that individual consumer uses, In practical application scene, it may include multiple terminals 110 in MM systems, be merely exemplary show one here.Terminal MM clients can be installed, which can be sent to MM management servers 120 by the MM clients and be asked in 110 Message, to ask MM management servers 120 to realize various network transaction services.Alternatively, the terminal 110 can also be clear by running Device is look to open MM related web pages, and request message is sent to MM management servers 120 by the related web page, to ask MM to manage Reason server 120 realizes various network transaction services.It, should again alternatively, third party's cooperation software can also be installed in the terminal 110 Terminal 110 sends request message by third party's cooperation software to MM management servers 120, to ask MM management servers 120 realize various network transaction services.In addition to this, which can also be by conventional telecommunications channel to MM management services Device 120 sends request message, to ask MM management servers 120 to realize various network transaction services.Wherein, the terminal 110 can be the equipment of mobile phone, tablet computer, computer etc, and it is not limited in the embodiment of the present invention.
Wherein, which is mainly used for realizing method for processing business provided in an embodiment of the present invention.Please after Continue reference chart 1, includes mainly transaction access interface 1201,1203 and of lower management service module in the MM management servers 120 Transaction management service module 1202.
Wherein, which is mainly used for supporting the access of terminal 120, for example, the transaction access interface 1201 may include unstructured supplementary data traffic (Unstructured Supplementary Service Data, USSD)/short message service (Short Messaging Service, SMS) access interface, application program (Application, APP) Access interface, application programming interface (Application Programming Interface, API) and portal website Any one of (web portal) access interface.Wherein, which can make terminal 110 pass through tradition Telecommunications channel accesses MM management servers 120, which can make terminal 110 access MM pipes by MM clients Server 120 is managed, which can make terminal 110 access MM management servers by third party's cooperation software 120, which can make terminal 110 access MM management servers 120 by way of related web page.
Wherein, it in the lower management service module 1203 may include database access unit, regulation engine unit, safety Service unit and buffer unit etc..Wherein, which that is to say, for accessing database a kind of possible In realization method, which can be by the various data informations of database purchase, for example, the data information can wrap Include historical trading data sample etc..The regulation engine unit is determined for the rule of various network tradings, the security service Unit can be used for asking the account of transacting business to carry out proof of identity etc., which can be used for caching various data Information.
Wherein, which is mainly used for managing and realizing various network transaction services, the transaction May include deposit processing (cash in) unit in management services module 1202, withdrawal processing (cash out) unit, transfer accounts place Manage unit, bill processing (bill payment) unit, article trading processing (buy goods) unit etc..Wherein, deposit is handled Unit is for handling deposit business, and withdrawal processing unit is for handling withdrawal business, and processing unit of transferring accounts is for handling industry of transferring accounts Business, bill processing unit are used to handle the consumption bill in MM systems, and article trading processing unit can be used for handling transaction industry Business etc..
It should be noted that above-mentioned processing unit of transferring accounts is mainly used for realizing that point-to-point (Point to Point, P2P) turns Account (Transfer) business.It that is to say, in MM systems, typically turned from an account with the realization method of P2P Transfer Account to another account, this business can initiate money transfer transactions request, MM management servers 120 by individual consumer by terminal After receiving money transfer transactions request, the processing unit that can be transferred accounts by this realizes transferred account service.
Currently, for individual account, operator, which generally requires, in transfer procedure collects a certain proportion of service charge, example Such as, it if individual consumer A will transfer accounts 1000 yuan to individual consumer B, can be transferred accounts by P2P Transfer to individual consumer B's In individual account, it is assumed that provide that the service charge transferred accounts is 1%, then 1010 yuan of individual consumer's A actual needs payment.
And in order to encourage user to use, it is specified that certain business do not need supplementary payments service charge generally in MM systems, example Such as, deposit business that is to say, if take deposits by agent user, not need payment procedure expense generally.In this way, When some individual consumers desire to other individual consumers and transfer accounts, possible request agency commercialization family is real in a manner of taking deposits It now transfers accounts, if for example, individual consumer A desires to individual consumer B transfers accounts, possible request agency commercialization family is to individual consumer B's It is deposited in individual account, and this business belongs to the business of violation.For this purpose, an embodiment of the present invention provides a kind of business processing sides Method, the method for processing business is in the case where that additionally need not increase hardware device, it may be determined that whether be requested service generation Quotient's account processing business is managed, specific implementation process may refer to following Fig. 3 the embodiment described.
It should be noted that being carried out for not needing payment procedure expense when taking deposits in embodiments of the present invention Explanation.Certainly, in another embodiment, the strategy formulated according to operator is different, it is also possible to not needed for other business Payment procedure expense, but can also use method provided in an embodiment of the present invention carry out business processing, the embodiment of the present invention to this not It limits.
It should be noted that the MM management servers 120 can be a server, or by multiple servers group At server cluster, it is not limited in the embodiment of the present invention.
Further, further include having positioning device 130 in the MM systems, which can pass through communication network It is connected between MM management servers 120.The positioning device 130 is mainly used for realizing positioning function, and in the concrete realization, this is fixed Position equipment 130 can be the radio reception device of such as base station etc, and location-based clothes are configured in the radio reception device It is engaged in (Location Based Service, LBS), which can be used to implement positioning function, in this way, being not necessarily in MM systems Increase additional equipment, positioning function can be realized by the existing LBS of operator, to save cost.
It should be noted that can also include big data platform (Big Data Platform, BDP) in the MM systems 140, in the concrete realization, the data information of the history involved in method for processing business provided in an embodiment of the present invention excavates and divides It is realized by the BDP 140 during analysis, the data information of the history can be historical trading data sample.It that is to say, the MM Management server 120 can call the BDP 140 to carry out data mining analysis, the embodiment of the present invention to historical trading data sample This is not limited.
Fig. 2 is a kind of structural schematic diagram of computer equipment provided in an embodiment of the present invention.MM management servers in Fig. 1 120 can be realized by computer equipment shown in Fig. 2.Referring to Fig. 2, which includes at least one processor 201, communication bus 202, memory 203 and at least one communication interface 204.
Processor 201 can be a general central processor (Central Processing Unit, CPU), microprocessor Device, application-specific integrated circuit (application-specific integrated circuit, ASIC) or one or more A integrated circuit for controlling the execution of application scheme program.
Communication bus 202 may include an access, and information is transmitted between said modules.
Memory 203 can be read-only memory (read-only memory, ROM) or can store static information and instruction Other types of static storage device, random access memory (random access memory, RAM)) or can store The other types of dynamic memory of information and instruction, can also be Electrically Erasable Programmable Read-Only Memory (Electrically Erasable Programmable Read-Only Memory, EEPROM), CD-ROM (Compact Disc Read-Only Memory, CD-ROM) or other optical disc storages, optical disc storage (including compression optical disc, laser disc, light Dish, Digital Versatile Disc, Blu-ray Disc etc.), magnetic disk storage medium or other magnetic storage apparatus or can be used in carry or Store with instruction or data structure form desired program code and can by any other medium of computer access, but It is without being limited thereto.Memory 203 can be individually present, and be connected with processor 201 by communication bus 202.Memory 203 It can be integrated with processor 201.
Communication interface 204, using the device of any transceiver one kind, for miscellaneous equipment or communication, such as Ethernet, wireless access network (RAN), WLAN (Wireless Local Area Networks, WLAN) etc..
In the concrete realization, as a kind of embodiment, processor 201 may include one or more CPU, such as in Fig. 2 Shown in CPU0 and CPU1.
In the concrete realization, as a kind of embodiment, computer equipment may include multiple processors, such as institute in Fig. 2 The processor 201 and processor 205 shown.Each in these processors can be monokaryon (single-CPU) processing Device can also be multinuclear (multi-CPU) processor.Here processor can refer to one or more equipment, circuit, And/or the process cores for handling data (such as computer program instructions).
Above-mentioned computer equipment can be an a general purpose computing device either dedicated computing machine equipment.Having During body is realized, computer equipment can be desktop computer, portable computer, network server, palm PC (Personal Digital Assistant, PDA), cell phone, tablet computer, wireless terminal device, communication equipment or embedded device. The unlimited type for determining computer equipment of the embodiment of the present invention.
Wherein, memory 203 is used to store the program code for executing application scheme, and is held by processor 201 to control Row.Processor 201 is for executing the program code 206 stored in memory 203.May include in program code 206 one or Multiple software modules (such as：Receiving module, enquiry module, processing module, acquisition module, judgment module, generation module, transmission Module etc.).MM management servers 120 shown in Fig. 1 can pass through the program code in processor 201 and memory 203 One or more of 206 software modules, to determine the data for development and application.
It should be noted that receiving module here actually includes the first receiving module and the second receiving module, obtain Module actually includes the first acquisition module and the second acquisition module, and generation module actually includes the first generation module and second Generation module.
An embodiment of the present invention provides a kind of method for processing business, and referring to Fig. 3, this method includes：
301：First terminal is based on agent's account and sends request message to MM management servers, which connects Receive the request message of agent's account.
Wherein, the first terminal here refers to the terminal that the commercial family of agency uses, it is generally the case that the first terminal is Mobile phone that is to say that agent user is generally realized by mobile phone when for individual consumer's transacting business.In a kind of possible reality In existing mode, MM clients can be installed, agent user can input agent's account in the MM clients in the mobile phone Number, and the request message is sent to MM management servers based on agent's account by the MM clients.In the concrete realization, The individual account of agent's account of the agent user and the individual consumer of request transacting business can be carried in the request message Number and the information such as number of transaction.
Certainly, only it is so that the first terminal is mobile phone as an example here, in another embodiment, which can also be The equipment of such as tablet computer etc, it is not limited in the embodiment of the present invention.
Wherein, which is used to ask the business without payment procedure expense, for example, in embodiments of the present invention, it should Request message is for asking deposit business.
It should be noted that the embodiment of the present invention is illustrated so that the request message is used to ask deposit business as an example, In another embodiment, the type of service for exempting from service charge formulated according to operator is different, which can be also used for asking Other business, if the expense for example, operator's regulation withdrawal business can dispense with the formalities, the request message can be also used for seek Money business, it is not limited in the embodiment of the present invention.
The MM management servers receive the request message, later, can be based on agent's account to the agent user Carry out proof of identity.In one possible implementation, agent's account of self-management is stored in the MM management servers Number, in this way, the MM management servers may determine that whether the agent's account carried in the request message belongs to self-management Agent's account.If the agent's account carried in the request message belongs to agent's account of self-management, it is determined that this Agent user's verification passes through, otherwise, if the agent's account carried in the request message is not belonging to the agent of self-management Account, it is determined that agent user verification is not passed through.
Further, in the concrete realization, may agent include each multiple operating personnel, i.e., each agent's account The lower account that may be corresponding with multiple operating personnel is also possible to carry operating personnel in above-mentioned request message in that case Account, to agent's account carry out proof of identity during, it is also necessary to judge whether the account of the operating personnel belongs to this Agent's account, if the account of the operating personnel belongs to agent's account, it is determined that proof of identity passes through, if conversely, should The account of operating personnel is not belonging to agent's account, it is determined that proof of identity does not pass through.
It should be noted that the realization for carrying out proof of identity to agent user based on agent's account of above-mentioned offer Journey is merely exemplary, and in another embodiment, MM management servers can also be based on agent's account pair otherwise Agent user carries out proof of identity, and it is not limited in the embodiment of the present invention.
After MM management servers pass through the proof of identity of agent user, it is also necessary to the industry handled to the agent user Business is identified, described in text specific as follows.
302：Whether MM management server queries agent's account belongs to blacklist, and the blacklist is for storing history Transaction does not meet agent's account of preset rules, and each agent's account of blacklist storage is to be based on each agent What multiple historical trading data samples of account determined, when each historical trading data sample is included in each historical trading realization The historical position information of each agent user and each individual consumer.
Wherein, which can be configured by operator according to actual migration efficiency, the embodiment of the present invention pair This is not limited.
In practical application scene, MM management servers can judge according to the business that agent's account history is handled The business handling credit rating of agent's account, to the requested service class of request message of automatic identification agent's account Type.Further, of location information and request transacting business when which can be according to history transacting business The location information of body user judges handled type of service, if for example, location information when according to history transacting business with ask To ask the location information of the individual consumer of transacting business to determine the agent user at that time be with the individual consumer in same position area In domain, then illustrate that the business handled meets preset rules, otherwise, it can be said that the bright business handled does not meet preset rules.
Therefore, in the business each time that history is handled, MM management servers obtain the location information of the agent user With the location information of the individual consumer of request transacting business, and done according to the location information and request of the agent user of acquisition The location information of the individual consumer of reason business, production history transaction data sample, in order to which the MM management servers are based on history Transaction data sample carries out statistics and analysis to the business handling credit rating of agent's account.
That is to say, the historical trading data sample which can regularly handle each agent's account into Row data mining and big data analysis have the doubtful agent such as to transfer accounts etc to merchandise with identification.When having recognized such friendship Agent's account can be stored into blacklist, be that is to say by Yi Shi, in embodiments of the present invention, can be according to the black name It is single to determine whether the historical trading of agent's account meets preset rules.It, can be with if agent's account is not belonging to the blacklist It determines that the historical trading of agent's account meets preset rules, if agent's account belongs to blacklist, can determine the generation The historical trading of reason quotient's account does not meet preset rules.
Wherein, whether MM management server queries agent's account belongs to before blacklist, and needing to judge whether should Agent's account storage of agent user is in the blacklist, according to preset rules difference, specific implementation may include as Under several steps：
3021：Multiple historical trading data samples of the agent's account at the appointed time in section are obtained, each history is handed over Easy data sample is included in the historical position information of the agent user and each individual consumer when each historical trading is realized.
In practical application scene, for each historical trading of agent's account request, the MM management servers The location information of the agent user of the location information and transacting business of the individual consumer of record requested service.In a kind of possibility Realization method in, which can be respectively according to individual consumer and agent mobile subscriber state used by a user Border ISDN(Integrated Service Digital Network) network number (Mobile Subscriber International Integrated Services Digital Network/Public Switched Telephone Network Number, MSISDN), it is obtained from LBS The location information of the individual consumer and agent user.
In the concrete realization, it needs to carry the MSISDN of oneself and request in the request message that each agent's account is sent The MSISDN of the individual account of transacting business, MSISDN and request of the MM management servers based on agent's account handle industry The MSISDN of the individual account of business generates position enquiring request.Later, which sends the position enquiring to LBS Request, so that the MSISDN of the individual account of MSISDNs of the LBS based on agent's account and request transacting business, inquiry is simultaneously Return to the location information of the location information of the agent user and the individual consumer of the request transacting business.The MM management servers After reception, the location information of the individual consumer of location information and the request transacting business based on the agent user, generation is gone through History transaction data sample.
It should be noted that the realization method of above-mentioned acquisition location information is used with agent user and individual consumer Terminal be to illustrate for mobile phone, in another implementation, when the end that the commercial family of agency or individual consumer use When end is not mobile phone, location information can be determined by GIS location technologies, and during realizing transaction business, it will be true Fixed location information is sent to MM management servers.
Wherein, which can determine according to the trading volume that agent's user's history is handled, if for example, should The trading volume that agent's history is handled is larger, then the designated time period can be selected as week or day, if agent's user's history The trading volume handled is smaller, then the designated time period can be selected as the moon, and it is not limited in the embodiment of the present invention.
Next it is illustrated so that the designated time period is 30 days as an example, i.e., MM management servers can be obtained every 30 days Take multiple historical trading data samples in this 30 days, wherein each historical trading data sample can be historical trading flowing water Inventory, also, each historical trading flowing water inventory is effective.Herein, the effective meaning can be understood as successfully completing The historical trading flowing water inventory of transaction.
In the concrete realization, MM management servers can obtain all historical trading flowing water inventories in 30 days, and should All historical trading flowing water inventories are drawn into specified data carrier, for example, the data medium can be Mysql or Oracle Such relevant database, or the Nosql databases of Redis or MongoDB etc.Later, for the institute of extraction There is historical trading flowing water inventory to be screened, for example, deleting because a variety of causes causes Fail Transaction or unfinished history to be handed over Easy flowing water inventory and not comprising the historical trading flowing water inventory for having location information (for example, may nothing in the state of terminal closedown Method gets location information), to obtain above-mentioned multiple historical trading data samples.In this way, can be tied to avoid subsequent statistics The phenomenon that fruit is distorted.
3022：All specified historical trading data samples are obtained from multiple historical trading data sample, wherein this refers to Determine the individual that agent user when historical trading is realized that historical trading data sample includes is related to the historical trading The historical position information of user is not belonging in same position region.
If agent user when historical trading is realized that historical trading data sample includes relates to the historical trading And the historical position information of individual consumer be not belonging in same position region, then illustrating the agent user not is used to individual It is deposited in the individual account at family, if for example, individual consumer's A request agency commercializations family is taken deposits, which uses Family A should be in same position region, if the individual consumer A and the agent user be not or not same position area with the agent user Domain, it can be said that it may not be individual consumer A that bright request agent user, which handles the individual consumer of deposit, for example, can It can be individual consumer B to deposit into the individual account of individual consumer A, this behavior is against regulation.Therefore, MM management services Device obtains all specified historical trading data samples from multiple historical trading data sample, the specified historical trading data The historical position for the individual consumer that agent user when historical trading is realized that sample includes is related to the historical trading Information is not belonging in same position region.
3023：All specified historical trading data samples based on acquisition, judge whether by agent's account store to In the blacklist.
Wherein, root is different according to the rule pre-set, and above-mentioned all specified historical trading data samples based on acquisition are sentenced The disconnected realization method whether stored agent's account into the blacklist is also different, can specifically include following several possibility Realization method：
First way：The quantity of all specified historical trading data samples is counted, if all specified historical tradings The quantity of data sample is greater than or equal to the first predetermined threshold value, then stores agent's account into the blacklist.
Wherein, which can also may be used by user (for example, operator) according to the self-defined setting of actual demand With by the MM management server default settings, it is not limited in the embodiment of the present invention.
If specifying the quantity of historical trading data sample larger in multiple historical trading data sample, it can be said that bright The agent user is often individual consumer and handles violation deposit business, and in that case, MM management servers determine the generation There are violation situations at reason commercial family, will be in agent's account storage to blacklist.
The second way：The quantity for obtaining the specified historical trading data sample of each agent's account of storage, if obtaining The quantity of the specified historical trading data sample of agent's account is maximum in the quantity taken, then by agent's account store to In the blacklist.
In this kind of realization method, MM management servers can count the specified historical trading data of each agent's account The quantity of sample, if the quantity of the specified historical trading data sample of agent's account is maximum, it is determined that agent's account The number that corresponding agent user handles violation deposit business for individual consumer is most, in that case, MM management services Device determines the agent user, and there are violation situations, will be in agent's account storage to blacklist.
The third mode：When each specified historical trading data sample further includes individual account, it is all specified to count this The quantity of the corresponding specified historical trading data sample of each individual account in historical trading data sample obtains multiple individual accounts Number sample size, if there is the individual account sample more than or equal to the second predetermined threshold value in multiple individual account sample size Quantity then stores agent's account into the blacklist.
Wherein, which can also may be used by user (for example, operator) according to the self-defined setting of actual demand With by the MM management server default settings, it is not limited in the embodiment of the present invention.
In practical application scene, each specified historical trading data sample may include having individual account, the individual account Number refer to specifying the individual account of transacting business in the corresponding transaction business of historical trading data sample at this.MM management servers The quantity of the corresponding specified historical trading data sample of each individual account in all specified historical trading data samples is counted, Obtain multiple individual account sample sizes.If existing in multiple individual account sample size and being greater than or equal to the second default threshold The individual account sample size of value then illustrates that the agent user is that some individual consumer repeatedly handles violation deposit business, this In the case of kind, MM management servers determine the agent user, and there are violation situations, by agent's account storage to blacklist In.
4th kind of mode：When each specified historical trading data sample further includes transaction limit, it is all specified to count this The transaction limit that historical trading data sample includes is more than the quantity of the specified historical trading data sample of default amount, if should The transaction limit that specified historical trading data sample includes is more than the number of the specified historical trading data sample of the default amount Amount is greater than or equal to third predetermined threshold value, then stores agent's account into the blacklist.
Wherein, which can be by user (for example, operator) according to the self-defined setting of actual demand, can also be by The MM management server default settings, it is not limited in the embodiment of the present invention.
Wherein, which can also may be used by user (for example, operator) according to the self-defined setting of actual demand With by the MM management server default settings, it is not limited in the embodiment of the present invention.
In practical application scene, each specified historical trading data sample may include transaction limit.MM management services Device counts the specified historical trading number that the transaction limit that all specified historical trading data samples include is more than default amount According to the quantity of sample, if the transaction limit that the specified historical trading data sample includes is more than the specified history of the default amount The quantity of transaction data sample is greater than or equal to third predetermined threshold value, then illustrates that the agent user repeatedly handles disobeying for big amount Deposit business is advised, in that case, MM management servers determine the agent user, and there are violation situations, by agent's account Number storage is in blacklist.
Fifth procedure：When each specified historical trading data sample further includes exchange hour, it is all specified to count this The exchange hour that historical trading data sample includes is in the number of the specified historical trading data sample in preset time range Amount, if the exchange hour that the specified historical trading data sample includes is in the specified historical trading number in preset time range It is greater than or equal to the 4th predetermined threshold value according to the quantity of sample, then stores agent's account into the blacklist.
Wherein, which can also may be used by user (for example, operator) according to the self-defined setting of actual demand With by the MM management server default settings, it is not limited in the embodiment of the present invention.
Wherein, the 4th predetermined threshold value can also may be used by user (for example, operator) according to the self-defined setting of actual demand With by the MM management server default settings, it is not limited in the embodiment of the present invention.
In practical application scene, each specified historical trading data sample may include exchange hour.MM management services Device can be the number that individual consumer handles violation deposit business in preset time range with statistics agent commercialization family, for example, should Preset time range can be for 12 points at night to 3:00 AM, if the exchange hour that the specified historical trading data sample includes The quantity of specified historical trading data sample in preset time range is greater than or equal to the 4th predetermined threshold value, then explanation should Agent user is repeatedly that individual consumer handles violation deposit business in the unsocial hours, in this case, MM management clothes Business device determines the agent user, and there are violation situations, which is stored into the blacklist.
It should be noted that the embodiment of the present invention is only with all specified history of the above-mentioned five kinds of realization methods based on acquisition Transaction data sample judges whether to store agent's account into the blacklist, in another embodiment, can also use Other manner judges whether to store agent's account into the blacklist.
It that is to say, MM management servers can be for statistical analysis according to different information according to actual demand, for example, At least two in above-mentioned five kinds of realization methods can also be combined, e.g., in one possible implementation, when each When specified historical trading data sample further includes individual account and exchange hour, the MM management servers can also be directed to it is each each and every one Body account counts the quantity of specified historical trading data sample in preset time range, if being deposited in each quantity of statistics More than certain numerical value, then agent's account is stored into the blacklist, be that is to say, counted agent's account and be directed to Some individual consumer has initiated the inconsistent situation in a large amount of position within some time.
It should be noted that in practical applications, can not only carry out business identification, MM management clothes through the above way Business device can also obtain the historical trading data sample for the individual account that current request is taken deposits, and according to the individual account Number historical trading data sample, judge that the credit transaction position of the individual account is anisotropic with the presence or absence of larger alternate position spike, from And determines whether the request message sent for agent's account and handle deposit business.If the deposit of the individual account history is handed over Yi Jun is in the same relatively fixed position region, is all to be handled by same agent's account, if but the individual in other words Credit transaction that account is handled in the recent period and location information much deviate the band of position of history, it can be said that the bright individual account Deposit there are certain dubieties, in that case, can temporarily forbid agent's account be the individual account handle Deposit business.
303：When the MM management servers determine that agent's account is not belonging to the blacklist, based on the request message into Row business processing.
For example, when the MM management servers determine that agent's account is not belonging to the blacklist and the request message is for asking When seeking deposit business, which is based on agent's account and the individual account is taken deposits, specific real Existing process may refer to the relevant technologies, no longer be discussed in detail here.
Further, after taking deposits successfully, which can be to first terminal and second terminal Response message is sent, which is used to indicate successfully realizes deposit business.Wherein, which is that industry is handled in request Terminal used in the individual consumer of business.
It should be noted that if the MM management servers determine that agent's account belongs to the blacklist, then it can be temporary Forbid taking deposits for agent's account, and failed message is sent to the first terminal and second terminal, for notifying Agent user and the individual consumer of request transacting business take deposits unsuccessfully.
It should be noted that being only to determine that agent's account is not belonging to the blacklist to work as the MM management servers here When can temporarily forbid illustrating for taking deposits for agent's account, in another embodiment, when the MM manage When reason server determines that agent's account is not belonging to the blacklist, the agent user can also be punished otherwise, For example, it is also possible to cancel the business handling qualification of agent's account by way of manpower intervention, alternatively, can also be to the generation Reason quotient's account carries out certain fine processing etc., and it is not limited in the embodiment of the present invention.
It should be noted that for each agent's account stored in blacklist, operator can be to agent's account Number manual examination and verification or review are carried out, it, can be by the generation if verification passes through further to be verified agent's account Reason quotient's account is deleted from the blacklist.
So far, method for processing business provided in an embodiment of the present invention is had been achieved with, in practical application scene, for the ease of Follow-up MM management servers continue data statistic analysis, are determining that agent's account is not belonging to when the MM management servers After carrying out business processing based on the request message when blacklist, it is also based on this transaction and generates historical trading data Sample specifically includes following several realization steps：
304：When in request message carry the first MSISDN and two MSISDN when, MM management servers be based on this first MSISDN and the 2nd MSISDN generates position enquiring request, and the first MSISDN is the target individual user for asking transacting business MSISDN, the 2nd MSISDN are the MSISDN of the agent user.
It should be noted that here by taking the terminal that target individual user and the agent user use is mobile phone as an example It illustrates.That is MM management servers are after completing credit transaction, or during realizing credit transaction, can be based on the One MSISDN and the 2nd MSISDN generates position enquiring request.
305：MM management servers send position enquiring request to LBS.
306：The LBS is inquired based on the first MSISDN and the 2nd MSISDN and is returned to target individual user and the agency The location information at commercial family.
In the concrete realization, which can be based on the first MSISDN and the 2nd the MSISDN location information inquired Band of position cell ID (Location Area Code-Cell IDentification, LAC-CI), the LAC-CI can be with A sector for identifying a base station judges whether are target individual user and the agent user according to the LAC-CI In same position region.
307：Believe the position for the target individual user and the agent user that MM management servers receive LBS transmissions Breath.
308：Location information of the MM management servers based on target individual user He the agent user generates history and hands over Easy data sample.
The historical trading data sample generated includes location information and the agency commercialization of target individual user The location information at family.Further, the individual account of target individual user can also be included in the historical trading data sample, Alternatively, can also include exchange hour in the historical trading data sample, then alternatively, can be in the historical trading data sample Including transaction limit etc..
After the MM management servers generate the historical trading data sample, which is stored, In order to which the follow-up MM management servers can be based on historical trading data sample, data mining and big data point are regularly carried out Analysis.
In embodiments of the present invention, when receiving the request message of agent's account, whether agent's account is inquired Belong to blacklist, when determining that agent's account is not belonging to blacklist, the request message based on reception carries out business processing.By Agent's account that the historical trading stored in the blacklist does not meet preset rules is based on the more of each agent's account What a historical trading data sample determined, and each historical trading data sample includes the location information of both parties, the position Information can be obtained by location technology, and therefore, there is no need to additionally to increase hardware device can identify that agent's account is asked It asks and whether meets pre-set rule when business, reduce cost.
Referring to Fig. 4 A, an embodiment of the present invention provides a kind of business processing device, which includes：
First receiving module 410, for executing the operation that MM management servers execute in above-mentioned Fig. 3 embodiment steps 301；
Enquiry module 420, for executing the step 302 in above-mentioned Fig. 3 embodiments；
Processing module 430, for executing the step 303 in above-mentioned Fig. 3 embodiments.
Optionally, B is please referred to Fig.4, which further includes：
First acquisition module 440, for executing the step 3031 in above-mentioned Fig. 3 embodiments；
Second acquisition module 450, for executing the step 3032 in above-mentioned Fig. 3 embodiments；
Judgment module 460, for executing the step 3033 in above-mentioned Fig. 3 embodiments.
Optionally, C is please referred to Fig.4, which further includes：
First generation module 470, for executing the step 304 in above-mentioned Fig. 3 embodiments；
Sending module 480, for executing the step 305 in above-mentioned Fig. 3 embodiments；
Second receiving module 490, for executing the step 307 in above-mentioned Fig. 3 embodiments；
Second generation module 412, for executing the step 308 in above-mentioned Fig. 3 embodiments.
In embodiments of the present invention, when receiving the request message of agent's account, whether agent's account is inquired Belong to blacklist, when determining that agent's account is not belonging to blacklist, the request message based on reception carries out business processing.By Agent's account that the historical trading stored in the blacklist does not meet preset rules is based on the more of each agent's account What a historical trading data sample determined, and each historical trading data sample includes the location information of both parties, the position Information can be obtained by location technology, and therefore, there is no need to additionally to increase hardware device can identify that agent's account is asked It asks and whether meets pre-set rule when business, reduce cost.
It should be noted that：Above-described embodiment provide business processing device when realizing method for processing business, only more than The division progress of each function module is stated for example, in practical application, it can be as needed and by above-mentioned function distribution by difference Function module complete, i.e., the internal structure of equipment is divided into different function modules, with complete it is described above whole or Person's partial function.In addition, the business processing device that above-described embodiment provides belongs to same design with method for processing business embodiment, Its specific implementation process refers to embodiment of the method, and which is not described herein again.
In the above-described embodiments, can come wholly or partly by software, hardware, firmware or its any combination real It is existing.When implemented in software, it can entirely or partly realize in the form of a computer program product.The computer program Product includes one or more computer instructions.It is all or part of when loading on computers and executing the computer instruction Ground is generated according to the flow or function described in the embodiment of the present invention.The computer can be all-purpose computer, special purpose computer, Computer network or other programmable devices.The computer instruction can store in a computer-readable storage medium, or Person is transmitted from a computer readable storage medium to another computer readable storage medium, for example, the computer instruction Can from a web-site, computer, server or data center by it is wired (such as：Coaxial cable, optical fiber, data are used Family line (Digital Subscriber Line, DSL)) or wireless (such as：Infrared, wireless, microwave etc.) mode is to another net Website, computer, server or data center are transmitted.The computer readable storage medium can be that computer can Any usable medium of access is either comprising data storages such as one or more usable mediums integrated server, data centers Equipment.The usable medium can be magnetic medium (such as：Floppy disk, hard disk, tape), optical medium (such as：Digital versatile disc (Digital Versatile Disc, DVD)) or semiconductor medium (such as：Solid state disk (Solid State Disk, SSD)) etc..
One of ordinary skill in the art will appreciate that realizing that all or part of step of above-described embodiment can pass through hardware It completes, relevant hardware can also be instructed to complete by program, the program can be stored in a kind of computer-readable In storage medium, storage medium mentioned above can be read-only memory, disk or CD etc..
The above is embodiment provided by the present application, all in spirit herein and original not to limit the application Within then, any modification, equivalent replacement, improvement and so on should be included within the protection domain of the application.

Claims (16)

1. a kind of method for processing business, which is characterized in that the method includes：
The request message of Receiving Agent quotient's account；
Inquire whether agent's account belongs to blacklist, the blacklist does not meet preset rules for storing historical trading Agent's account, each agent's account of blacklist storage is multiple history based on each agent's account What transaction data sample determined, each historical trading data sample is included in each agent when each historical trading is realized The historical position information of user and each individual consumer；
When determining that agent's account is not belonging to the blacklist, business processing is carried out based on the request message.
2. the method as described in claim 1, which is characterized in that inquiry agent's account whether belong to blacklist it Before, further include：
Obtain multiple historical trading data samples of the agent's account at the appointed time in section, each historical trading data sample Originally the historical position information of the agent user and each individual consumer when each historical trading is realized are included in；
All specified historical trading data samples are obtained from the multiple historical trading data sample, wherein described specify is gone through The individual that the agent user when historical trading is realized that history transaction data sample includes is related to the historical trading The historical position information of user is not belonging in same position region；
All specified historical trading data samples based on acquisition judge whether to store agent's account to the black name Dan Zhong.
3. method as claimed in claim 2, which is characterized in that all specified historical trading data samples based on acquisition This, judges whether to store agent's account into the blacklist, including：
Count the quantity of all specified historical trading data samples；
If the quantity of all specified historical trading data samples is greater than or equal to the first predetermined threshold value, by the agent Account is stored into the blacklist.
4. method as claimed in claim 3, which is characterized in that all specified historical trading data samples based on acquisition This, judges whether to store agent's account into the blacklist, including：
Obtain the quantity of the specified historical trading data sample of each agent's account of storage；
If the quantity of the specified historical trading data sample of agent's account described in the quantity obtained is maximum, by the agency Quotient's account is stored into the blacklist.
5. method as claimed in claim 2, which is characterized in that all specified historical trading data samples based on acquisition This, judges whether to store agent's account into the blacklist, including：
When each specified historical trading data sample further includes individual account, all specified historical trading data samples are counted The quantity of the corresponding specified historical trading data sample of each individual account, obtains multiple individual account sample sizes in this；
If there is the individual account sample size more than or equal to the second predetermined threshold value in the multiple individual account sample size, Then agent's account is stored into the blacklist.
6. method as claimed in claim 2, which is characterized in that all specified historical trading data samples based on acquisition This, judges whether to store agent's account into the blacklist, including：
When each specified historical trading data sample further includes transaction limit, all specified historical trading data samples are counted This transaction limit for including is more than the quantity of the specified historical trading data sample of default amount；
If the transaction limit that the specified historical trading data sample includes is more than the specified historical trading of the default amount The quantity of data sample is greater than or equal to third predetermined threshold value, then stores agent's account into the blacklist.
7. method as claimed in claim 2, which is characterized in that all specified historical trading data samples based on acquisition This, judges whether to store agent's account into the blacklist, including：
When each specified historical trading data sample further includes exchange hour, all specified historical trading data samples are counted This exchange hour for including is in the quantity of the specified historical trading data sample in preset time range；
If the exchange hour that the specified historical trading data sample includes is in the friendship of the specified history in preset time range The quantity of easy data sample is greater than or equal to the 4th predetermined threshold value, then stores agent's account into the blacklist.
8. the method as described in claim 1-7 is any, which is characterized in that described to carry out business processing based on the request message Later, further include：
As carrying first movement user's International Integrated Services data network number MSISDN and second in the request message When MSISDN, position enquiring request is generated based on the first MSISDN and the 2nd MSISDN, the first MSISDN is request The MSISDN of the target individual user of transacting business, the 2nd MSISDN are the MSISDN of the agent user；
Position enquiring request is sent to location based service device LBS, so that the LBS is based on the first MSISDN and second MSISDN is inquired and is returned to the location information of the target individual user and the agent user；
Receive the location information of the target individual user and the agent user that the LBS is sent；
Based on the location information of the target individual user and the agent user, historical trading data sample is generated.
9. a kind of business processing device, which is characterized in that described device includes：
First receiving module is used for the request message of Receiving Agent quotient's account；
Enquiry module, for inquiring whether agent's account belongs to blacklist, the blacklist is for storing historical trading Agent's account of preset rules is not met, each agent's account of the blacklist storage is to be based on each agent What multiple historical trading data samples of account determined, when each historical trading data sample is included in each historical trading realization The historical position information of each agent user and each individual consumer；
Processing module, it is described for when the enquiry module determines that agent's account is not belonging to the blacklist, being based on The request message that first receiving module receives carries out business processing.
10. device as claimed in claim 9, which is characterized in that described device further includes:
First acquisition module, for obtaining multiple historical trading data samples of the agent's account at the appointed time in section, Each historical trading data sample is included in when each historical trading is realized the agent user with each individual consumer's Historical position information；
Second acquisition module, for obtaining all specified historical trading data samples from the multiple historical trading data sample This, wherein the agent user when historical trading is realized that the specified historical trading data sample includes with it is described The historical position information for the individual consumer that historical trading is related to is not belonging in same position region；
Judgment module is used for all specified historical trading data samples based on acquisition, judges whether agent's account It stores into the blacklist.
11. device as claimed in claim 10, which is characterized in that the judgment module is used for：
Count the quantity of all specified historical trading data samples；
If the quantity of all specified historical trading data samples is greater than or equal to the first predetermined threshold value, by the agent Account is stored into the blacklist.
12. device as claimed in claim 11, which is characterized in that the judgment module is used for：
Obtain the quantity of the specified historical trading data sample of each agent's account of storage；
If the quantity of the specified historical trading data sample of agent's account described in the quantity obtained is maximum, by the agency Quotient's account is stored into the blacklist.
13. device as claimed in claim 10, which is characterized in that the judgment module is used for：
When each specified historical trading data sample further includes individual account, all specified historical trading data samples are counted The quantity of the corresponding specified historical trading data sample of each individual account, obtains multiple individual account sample sizes in this；
If there is the individual account sample size more than or equal to the second predetermined threshold value in the multiple individual account sample size, Then agent's account is stored into the blacklist.
14. device as claimed in claim 10, which is characterized in that the judgment module is used for：
When each specified historical trading data sample further includes transaction limit, all specified historical trading data samples are counted This transaction limit for including is more than the quantity of the specified historical trading data sample of default amount；
If the transaction limit that the specified historical trading data sample includes is more than the specified historical trading of the default amount The quantity of data sample is greater than or equal to third predetermined threshold value, then stores agent's account into the blacklist.
15. device as claimed in claim 10, which is characterized in that the judgment module is used for：
When each specified historical trading data sample further includes exchange hour, all specified historical trading data samples are counted This exchange hour for including is in the quantity of the specified historical trading data sample in preset time range；
If the exchange hour that the specified historical trading data sample includes is in the friendship of the specified history in preset time range The quantity of easy data sample is greater than or equal to the 4th predetermined threshold value, then stores agent's account into the blacklist.
16. the device as described in claim 9-15, which is characterized in that described device further includes：
First generation module, for when carrying first movement user's International Integrated Services data network number in the request message When MSISDN and two MSISDN, position enquiring is generated based on the first MSISDN and the 2nd MSISDN and is asked, described first MSISDN is the MSISDN for the target individual user for asking transacting business, and the 2nd MSISDN is the agent user's MSISDN；
Sending module, for sending position enquiring request to location based service device LBS, so that the LBS is based on described the One MSISDN and the 2nd MSISDN is inquired and is returned to the location information of the target individual user and the agent user；
Second receiving module, the position for receiving the target individual user and the agent user that the LBS is sent Information；
Second generation module is used for the location information based on the target individual user and the agent user, generates history Transaction data sample.
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CN111918225A (en) * 2020-09-15 2020-11-10 北京值得买科技股份有限公司 Method for sending short message based on multiple operators

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