CN110796552A - Risk prompting method and device - Google Patents

Abstract

The embodiment of the invention discloses a risk prompting method and a risk prompting device, wherein the method comprises the following steps: the method comprises the steps of obtaining operation information of resource management application, wherein the resource management application comprises application providing resource management service, the resource management service comprises at least one of resource transfer service and resource income service, the operation information comprises information representing operation conditions of companies corresponding to the resource management application, identifying whether the resource management application has risks or not based on the obtained operation information, and sending early warning information to terminal equipment installed and/or to be installed with the resource management application under the condition that the resource management application is identified to have risks. Therefore, whether the resource management application has risks or not is determined based on the operation information, the efficiency and accuracy of risk identification can be improved, meanwhile, the early warning information is sent to the terminal equipment, the user can be timely reminded that the resource management application has risks, and therefore the hidden danger of economic loss of the user is reduced.

Description

Risk prompting method and device

Technical Field

The invention relates to the technical field of computers, in particular to a risk prompting method and device.

Background

With the rapid development of computer financial services and the rapid popularization of mobile terminals, financial management applications gradually attract a large number of users, but with the large increase of the user amount of the financial management applications and the gradual increase of the money amount put into the financial management applications by the users, the risk problem of the financial management applications becomes a focus problem of people's attention.

At present, a user can acquire information related to a financing application and judge whether the financing application has a risk according to the acquired information. For example, the user may actively collect information related to the financing application, such as quality information, financial information, etc. of a company to which the financing application belongs, and then determine whether the financing application has a risk according to the collected information.

However, because the number of usable financial applications is large, before a user selects a financial application to be installed and used, the user needs to manually collect the relevant information of each financial application and then judge risks, and in the process, the problems of large data collection amount and low risk identification efficiency exist. For the installed financing application, the user cannot acquire related information more frequently, so that the user cannot find the financing application in time to cause risks, and potential economic losses may be caused.

Disclosure of Invention

The embodiment of the invention aims to provide a risk prompting method and a risk prompting device, and aims to solve the problems that in the prior art, when risk prompting is carried out on financing application, the risk identification efficiency is low, and risks cannot be identified in time.

To solve the above technical problem, the embodiment of the present invention is implemented as follows:

in a first aspect, a risk prompting method provided in an embodiment of the present invention includes:

acquiring operation information of resource management application, wherein the resource management application comprises application providing resource management service, the resource management service comprises at least one of resource transfer service and resource revenue service, and the operation information comprises information representing operation conditions of companies corresponding to the resource management application;

identifying whether the resource management application has risks or not based on the acquired operation information;

and under the condition that the resource management application is identified to have risk, sending early warning information to the terminal equipment which is installed and/or is to be installed with the resource management application so that the terminal equipment sends early warning prompts based on the early warning information.

In a second aspect, an embodiment of the present invention provides a risk prompting method, where the method includes:

acquiring operation information of resource management application, wherein the resource management application comprises application providing resource management service, the resource management service comprises at least one of resource transfer service and resource revenue service, the resource management application comprises resource management application installed in terminal equipment and/or resource management application to be installed, and the operation information comprises information representing operation conditions of companies corresponding to the resource management application;

identifying whether the resource management application has risks or not based on the acquired operation information;

and sending out an early warning prompt under the condition that the resource management application is identified to have risks.

In a third aspect, an embodiment of the present invention provides a risk prompting device, where the device includes:

the information acquisition module is used for acquiring operation information of resource management application, wherein the resource management application comprises application providing resource management service, the resource management service comprises at least one of resource transfer service and resource revenue service, and the operation information comprises information representing the operation condition of a company corresponding to the resource management application;

a risk identification module, configured to identify whether the resource management application has a risk based on the operation information;

and the information sending module is used for sending early warning information to the terminal equipment which is installed and/or is to be installed with the resource management application under the condition that the resource management application is identified to have risk so that the terminal equipment sends an early warning prompt based on the early warning information.

In a fourth aspect, an embodiment of the present invention provides a risk notification apparatus, where the apparatus includes:

the information acquisition module is used for acquiring operation information of resource management application, wherein the resource management application comprises application providing resource management service, the resource management service comprises at least one of resource transfer service and resource revenue service, the resource management application comprises resource management application installed in terminal equipment and/or resource management application to be installed, and the operation information comprises information representing operation conditions of companies corresponding to the resource management application;

the risk identification module is used for identifying whether the resource management application has risks or not based on the acquired operation information;

and the information display module is used for sending out an early warning prompt under the condition that the resource management application is identified to have risks.

In a fifth aspect, an embodiment of the present application provides an electronic device, which includes a processor, a memory, and a computer program stored on the memory and executable on the processor, where the computer program, when executed by the processor, implements the steps of the risk notification method provided in the first aspect.

In a sixth aspect, an embodiment of the present application provides a computer-readable storage medium, where a computer program is stored on the computer-readable storage medium, and when the computer program is executed by a processor, the steps of the risk prompting method provided in the first aspect are implemented.

In a seventh aspect, an embodiment of the present application provides an electronic device, including a processor, a memory, and a computer program stored on the memory and executable on the processor, where the computer program, when executed by the processor, implements the steps of the risk indication method provided in the second aspect.

In an eighth aspect, an embodiment of the present application provides a computer-readable storage medium, where a computer program is stored on the computer-readable storage medium, and when the computer program is executed by a processor, the steps of the risk prompting method provided in the second aspect are implemented.

According to the technical scheme provided by the embodiment of the invention, whether the resource management application has risks or not can be identified based on the acquired information representing the operation condition of the company corresponding to the resource management application, and the terminal device is triggered to send the early warning prompt to enable the user to identify that the resource management application has risks under the condition that the resource management application has risks.

Drawings

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below, it is obvious that the drawings in the following description are only some embodiments described in the present invention, and for those skilled in the art, other drawings can be obtained according to these drawings without creative efforts.

FIG. 1 is a schematic flow chart of a risk indication method according to the present invention;

FIG. 2 is a schematic flow chart illustrating another risk indication method according to the present invention;

FIG. 3 is a schematic flow chart illustrating another risk indication method according to the present invention;

FIG. 4 is a schematic diagram of a display of an early warning prompt in accordance with the present invention;

FIG. 5 is a schematic diagram of a risk identification result display according to the present invention;

FIG. 6 is a schematic structural diagram of a risk indicator according to the present invention;

FIG. 7 is a schematic structural diagram of another risk indicator of the present invention;

FIG. 8 is a schematic structural diagram of an electronic device according to the present invention;

fig. 9 is a schematic structural diagram of a terminal device according to the present invention.

Detailed Description

The embodiment of the invention provides a risk prompting method and device.

In order to make those skilled in the art better understand the technical solution of the present invention, the technical solution in the embodiment of the present invention will be clearly and completely described below with reference to the drawings in the embodiment of the present invention, and it is obvious that the described embodiment is only a part of the embodiment of the present invention, and not all embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

Example one

As shown in fig. 1, an execution subject of the method may be a server, where the server may be an independent server, or a server cluster composed of multiple servers, and the server may be a background server of an application download platform, or the like. The method may specifically comprise the steps of:

in S102, operation information of the resource management application is acquired.

The resource management application may include an application providing a resource management service, the resource management service may include at least one of a resource transfer service and a resource revenue service, for example, the resource management application may be a financial application, the financial application may provide services such as transferring accounts, storing, financing revenue and the like for a user, and the operation information may include information representing an operation condition of a company corresponding to the resource management application.

In implementation, with the rapid development of computer financial business and the rapid popularization of mobile terminals, financial applications gradually attract a large number of users, but with the large increase of the user amount of the financial applications and the gradual increase of the amount of money put into the financial applications by the users, the risk problem of the financial applications has become a focus of attention. The user can acquire information related to the financing application and judge whether the financing application has risks according to the acquired information. For example, the user may actively collect information related to the financing application, such as quality information, financial information, etc. of a company to which the financing application belongs, and then determine whether the financing application has a risk according to the collected information.

However, because the number of usable financial applications is large, before a user selects a financial application to be installed and used, the user needs to manually collect the relevant information of each financial application and then judge risks, and in the process, the problems of large data collection amount and low risk identification efficiency exist. For the installed financing application, the user cannot acquire related information more frequently, so that the user cannot find the financing application in time to cause risks, and potential economic losses may be caused. Therefore, the embodiment of the present invention provides a technical solution capable of solving the above problems, which can be specifically referred to as the following:

the server may obtain one or more identifiers of the resource management application from the application download platform, and obtain operation information of the resource management application (including information of operation conditions of a company corresponding to the resource management application) from a predetermined information source (such as a yearbook displayed on a company website, a stock website, a financial information platform, and the like).

For example, the resource management application with the largest download amount in the application download platform may be acquired, and the operation information of the resource management application (including the operation condition information of the company corresponding to the resource management application) within a preset time period (e.g., approximately half a month) may be acquired according to the identifier of the resource management application.

In addition, the operation information of all the downloadable and installable resource management applications in the application download platform can be acquired based on a preset information acquisition period (such as 12 hours, one day, three days, and the like). For the resource management applications with different download amounts, different preset information acquisition periods can be set so as to reduce data processing pressure. For example, for a resource management application with a high download amount, the corresponding preset information acquisition period may be set to one day, and for a resource management application with a low download amount, the corresponding preset information acquisition period may be set to three days or one week.

It should be noted that, the server obtains the identifier of the resource management application from the application download platform, and the identifier may be obtained by the server according to the identifier of the specified resource management application input to the server or configured in the server; or the resource management information can be obtained according to the identifier of the resource management application corresponding to the server and used for sending the warning prompt client.

The client for performing early warning prompt can be installed in a terminal device, and obtains an identifier of an application, such as a resource management application, installed or to be installed in the terminal device based on authorization of a user for an operating system authority of the terminal device, and then provides the identifier to a server.

In S104, whether the resource management application is at risk is identified based on the acquired operation information.

In an implementation, the acquired operation information may include a plurality of pieces of sub-operation information with different contents (or types), for example, the operation information may include a plurality of different types of sub-operation information such as text information, picture information, voice information, and video information. The acquired operation information containing the sub-operation information with different contents (or types) can be preprocessed, and then the preprocessed operation information is subjected to risk identification according to a preset risk identification rule, so that whether the resource management application has risks or not is determined. The preprocessing of the acquired operation information may include performing text recognition, image recognition, and voice recognition on the operation information to extract keywords.

For example, after the operation information of the resource management application is acquired, the operation information may be preprocessed to extract keywords related to risks in the operation information, and then, according to a preset mapping relationship between each keyword and a risk score value, a risk score value corresponding to the extracted keyword is determined and summarized. And finally, determining whether the resource management application has risks or not based on a preset risk threshold value according to the risk score value obtained by the summary.

For example, as shown in table 1, the preset keywords may include "platform clearing", "presentation difficulty", "report exception", and the like, and different keywords may correspond to different risk score values. If the obtained key words include "report form abnormal" and "difficulty in presenting" after the operation information of the resource management application is preprocessed, according to table 1, it may be determined that the risk score value corresponding to the key word "report form abnormal" is 3, and the risk score value corresponding to the key word "difficulty in presenting" is 6, and the risk score value of the operation information is 6+3 ═ 9. Assuming that the preset risk threshold is 7, the risk score value of the operation information is greater than the preset risk threshold, and it may be determined that the resource management application has a risk.

TABLE 1

Key word	Score of risk value
		Illegal collecting of capital	10
Platform cleaning plate	8
		Difficulty in bringing up cash	6
Report exception	3

The above identification method for determining whether the resource management application is at risk based on the operation information is an optional and realizable identification method. In an actual application scenario, there may be a plurality of identification methods, which may be different according to different application scenarios, and this is not specifically limited in the embodiment of the present invention.

In S106, when the resource management application is identified to be at risk, the warning information is sent to the terminal device that has installed and/or is to install the resource management application, so that the terminal device sends a warning prompt based on the warning information.

The invention does not specifically limit the content of the early warning information and/or the type of the early warning information, and the terminal device can be a mobile terminal or a terminal device capable of installing resource management application, such as a mobile phone, a tablet computer or a personal computer.

In implementation, when the resource management application is identified to be at risk, a terminal query request may be sent to the application download platform, so as to obtain, from the application download platform, a contact information of the terminal device where the resource management application is installed/to-be-installed based on the identifier of the resource management application, and then send the warning information to the terminal device based on the obtained contact information.

Or, the warning information and the identifier of the resource management application with the risk may be sent to the application downloading platform, so that the application downloading platform determines the terminal device on which the resource management application is installed/to be installed based on the identifier of the resource management application, and sends the warning information to the terminal device on which the resource management application is installed/to be installed.

In addition, when the early warning information is sent to the terminal device which has installed and/or is to be installed with the resource management application, the obtained operation information (or one or more sub-operation information containing the risk keyword in the operation information) can be sent to the terminal device.

For example, after the acquired operation information is preprocessed, two keywords of "report exception" and "difficulty in presenting" are extracted, so that the sub-operation information corresponding to the two keywords can be acquired respectively, and the sub-operation information and the early warning information corresponding to the two keywords are sent to the terminal device. Or after the early warning information is sent to the terminal device installed and/or to be installed with the resource management application, a risk query instruction sent by the terminal device based on the early warning information may be received, and the operation information corresponding to the risk query instruction (or sub-operation information corresponding to the risk query instruction) may be sent to the terminal device.

The embodiment of the invention provides a risk prompting method, which can identify whether the resource management application has a risk or not based on the acquired information representing the operation condition of a company corresponding to the resource management application, and trigger the terminal equipment to send an early warning prompt to enable a user to identify that the resource management application has the risk under the condition that the resource management application has the risk.

Example two

As shown in fig. 2, an execution main body of the method may be a server, where the server may be an independent server or a server cluster composed of multiple servers, and the server may be a background server of an application download platform, or the like. The method may specifically comprise the steps of:

in S202, the name of the company corresponding to the resource management application is acquired.

In S204, the operation information matched with the company name is captured from the information source predicted to be authentic according to the company name, and is used as the operation information of the resource management application.

The information source which is judged to be trusted in advance may be an information source which is determined to be trusted after being judged to be trusted, and the information source which is judged to be trusted in advance may be an information source which is stored in the server in advance for operation information capture, and the information representing the operation condition of the company corresponding to the resource management application may include at least one of the following information: the qualification information of the company, the legal information, the latest dynamic state of the operation condition, the capital flow state and the like.

In implementation, the operation information matched with the name of the company can be captured from the information source which is judged to be credible based on the preset information acquisition period.

In S206, a risk level corresponding to the acquired operation information is determined based on a preset corresponding relationship between the risk level and the operation information and the acquired operation information.

In implementation, after the operation information of the resource management application is acquired, predetermined processing operations (including classification processing operations, judgment processing operations, and the like) may be performed on the operation information, for example, if the acquired operation information includes three pieces of information about a legal dispute of a company related to finance in nearly ten days, it may be confirmed that the company has a frequently-occurring legal dispute related to finance.

After the predetermined processing operation is performed on the operation information, the risk level corresponding to the operation information may be determined based on the operation information of the processing operation and the preset corresponding relationship between the risk level and the operation information.

For example, as shown in table 2, the operation information with different contents may correspond to different risk levels, the operation information after the processing operation may be matched with the operation information in table 2, and if there is matched operation information, the risk level corresponding to the operation information is determined based on the matched operation information. Wherein, the smaller the risk level, the more probable the resource management application is to have risk.

TABLE 2

Risk rating	Operation information
			1	Company suspects of illegal collection of assets, serious violation, illegal operation
2	The company breaks the fund chain and the operator loses contact
		3	Company platform cleaning plate
4	Company suspend operations
		5	Difficulty in bringing out cash on platform
6	Company suspected false publicity and deception of consumers
		7	Frequent legal disputes relating to finance for a company
8	The financial statement of the company is abnormal and does not reach the expected target
		9	Platform financial project quantity reduction
10	The company and the platform operate normally without risk

Moreover, if the operation information of the resource management application includes a plurality of pieces of sub-operation information and the sub-operation information respectively corresponds to different risk levels, the level with the minimum risk level may be determined as the risk level corresponding to the operation information of the resource management application. For example, the operation information of the resource management application includes sub-operation information 1 and sub-operation information 2, where a risk level corresponding to the sub-operation information 1 is 2, and a risk level corresponding to the sub-operation information 2 is 8, then a risk level corresponding to the operation information of the resource management application may be 2.

The preset corresponding relationship between the risk level and the operation information (i.e. table 2) is an optional and realizable corresponding relationship, and for different practical application scenarios, there may be multiple different preset corresponding relationships, which is not specifically limited in the embodiment of the present invention.

In S208, it is determined whether the resource management application is risky based on the risk level corresponding to the operation information and a preset risk level threshold.

In implementation, taking the content in the step S206 as an example, if the risk level corresponding to the operation information is determined based on the preset corresponding relationship in table 2, when identifying whether the resource management application has a risk, the resource management application may be risk-identified according to whether the risk level corresponding to the operation information is smaller than a preset risk level threshold.

In addition, according to different risk level determination methods of the operation information in the actual application scene, corresponding different preset risk level thresholds are determined, and therefore whether risks exist in the resource management application or not is identified.

In S210, a risk query request for the resource management application sent by the terminal device is received.

In S212, when it is recognized that the resource management application is in risk, sending the warning information to the terminal device, so that the terminal device sends a warning prompt based on the warning information.

In implementation, for a received risk query request sent by the terminal device, the warning information may be sent to the terminal device when the resource management application is identified to have a risk. In addition, the acquired operation information and the risk level corresponding to the determined operation information can be sent to the terminal equipment.

Or, the corresponding operation information can be determined according to the received risk query request, and the corresponding operation information and the early warning information are sent to the terminal device. For example, if the received risk query request of the terminal device includes a query request for qualification information of a company corresponding to the resource management application, the corresponding operation information may be acquired according to the risk query request, and then the corresponding operation information and the warning information may be sent to the terminal device.

In S214, in case that the resource management application is identified to be at risk, a download request for the resource management application is monitored.

In S216, if the download request is monitored, the warning information is sent to the terminal device that sent the download request, so that the terminal device that sent the download request sends a warning prompt based on the warning information.

The embodiment of the invention provides a risk prompting method, which can identify whether the resource management application has a risk or not based on the acquired information representing the operation condition of a company corresponding to the resource management application, and trigger the terminal equipment to send an early warning prompt to enable a user to identify that the resource management application has the risk under the condition that the resource management application has the risk.

EXAMPLE III

As shown in fig. 3, an execution subject of the method may be a terminal device, where the terminal device may be a terminal device capable of installing a resource management application, for example, the terminal device may be a terminal device such as a mobile phone and a tablet computer, or a device such as a personal computer, and the terminal device may be a terminal device used by a user. The method may specifically comprise the steps of:

in S302, operation information of the resource management application is acquired.

The resource management application may include an application providing a resource management service for a user, the resource management service may include at least one of a resource transfer service and a resource revenue service, the resource management application may include a resource management application installed in a terminal device and/or a resource management application to be installed, and the operation information may include information representing an operation condition of a company to which the resource management application corresponds.

In S304, based on the acquired operation information, it is identified whether the resource management application is at risk.

For the specific processing procedures of S302-S304, reference may be made to the relevant contents of S102-S104 in the first embodiment, which are not described herein again.

In S306, in the case that the resource management application is identified to be at risk, an early warning prompt is issued.

In implementation, when the risk of the resource management application is identified, an early warning prompt can be displayed in the terminal device, and a click operation of a user on the early warning prompt can be received. For example, as shown in fig. 4, after the warning prompt is displayed, if a click operation of the user on the "continue" tab is received, the operation information of the resource management application may be displayed in the terminal device. If the installation instruction of the user is received again, the installation data packet of the resource management application can be acquired so as to install the resource management application in the terminal equipment.

In addition, the operation information of the resource management application installed in the terminal device may be acquired, whether the installed resource management application has a risk or not may be identified based on the acquired operation information, and a risk identification result may be displayed.

For example, as shown in fig. 5, the operation information of the installed resource management applications may be acquired, risk identification may be performed separately, and then the risk identification result for the installed resource management applications may be displayed in the terminal device in a list form. And may receive a query request of a user for operation information of one of the resource management applications, for example, when a click operation of the user on one of the resource management applications in the list is received, the operation information of the resource management application may be displayed.

In addition, in order to provide better user experience, the acquired operation information can be classified and displayed. For example, the operation information may be displayed in the following categories: the resource management application name, company information (including associated salary information, management team information and the like) corresponding to the resource management application, managed information of a product in the resource management application, operation condition information of the product in the resource management application, financial statements of a company corresponding to the resource management application, legal dispute information of the company corresponding to the resource management application, and latest dynamic and other aspects of the resource management application.

The embodiment of the invention provides a risk prompting method, which can identify whether the resource management application has a risk or not based on the acquired information representing the operation condition of a company corresponding to the resource management application, and send out an early warning prompt under the condition that the resource management application has the risk.

Example four

Based on the same idea, the risk prompting method provided in the embodiment of the present specification further provides a risk prompting device, as shown in fig. 6.

This risk suggestion device includes: the information acquisition module 601, the risk identification module 602, and the information transmission module 603, wherein:

an information obtaining module 601, configured to obtain operation information of a resource management application, where the resource management application includes an application providing a resource management service, the resource management service includes at least one of a resource transfer service and a resource revenue service, and the operation information includes information representing an operation status of a company corresponding to the resource management application;

a risk identification module 602, configured to identify whether the resource management application has a risk based on the operation information;

the information sending module 603 is configured to send, when it is identified that the resource management application is at risk, early warning information to a terminal device that has installed and/or is to be installed with the resource management application, so that the terminal device sends an early warning prompt based on the early warning information.

In this embodiment of the application, the risk identification module 602 includes:

the system comprises a grade determining unit, a risk grade determining unit and a risk grade determining unit, wherein the grade determining unit is used for determining the risk grade corresponding to the acquired operation information based on the preset corresponding relation between the risk grade and the operation information and the acquired operation information;

and the risk determining unit is used for determining whether the resource management application has a risk or not based on a risk level corresponding to the operation information and a preset risk level threshold.

In this embodiment of the application, the information sending module 603 includes:

a request receiving unit, configured to receive a risk query request for the resource management application sent by the terminal device;

and the first sending unit is used for sending the early warning information to the terminal equipment under the condition that the resource management application is identified to have risks.

In this embodiment of the application, the information sending module 603 includes:

the request monitoring unit is used for monitoring a downloading request aiming at the resource management application under the condition that the resource management application is identified to have risk;

and the second sending unit is used for sending the early warning information to the terminal equipment sending the downloading request if the downloading request is monitored.

In an embodiment of the present application, the information characterizing the operation status of the company corresponding to the resource management application includes at least one of the following information:

the latest dynamic and capital flow state of the qualification information, legal information and operation condition of the company;

the information obtaining module 601 includes:

a name acquisition unit, configured to acquire a name of a company corresponding to the resource management application;

and the information capturing unit is used for capturing operation information matched with the name of the company from an information source which is judged to be credible in advance according to the name of the company and taking the operation information as the operation information of the resource management application.

The embodiment of the invention provides a risk prompting method, which can identify whether a risk exists in a resource management application or not based on acquired information representing the operation condition of a company corresponding to the resource management application, and trigger a terminal device to send an early warning prompt to enable a user to identify that the risk exists in the resource management application under the condition that the risk exists in the resource management application is identified.

EXAMPLE five

Based on the same idea, the embodiment of the present specification further provides a risk prompting device, as shown in fig. 7.

This risk suggestion device includes: information acquisition module 701, risk identification module 702 and information display module 703, wherein:

an information obtaining module 701, configured to obtain operation information of a resource management application, where the resource management application includes an application providing a resource management service, the resource management service includes at least one of a resource transfer service and a resource revenue service, the resource management application includes a resource management application installed in a terminal device and/or a resource management application to be installed, and the operation information includes information representing an operation condition of a company corresponding to the resource management application;

a risk identification module 702, configured to identify whether a risk exists in the resource management application based on the acquired operation information;

and the information display module 703 is configured to send an early warning prompt when the resource management application is identified to have a risk.

The embodiment of the application provides a risk prompting device, whether risk exists in resource management application can be identified based on the acquired information representing the operation condition of a company corresponding to the resource management application, and an early warning prompt is sent out under the condition that the risk exists in the resource management application.

EXAMPLE six

Referring to fig. 8, fig. 8 is a structural diagram of an electronic device applied in the embodiment of the present invention, which can implement details of the risk notification method in the first to second embodiments and achieve the same effects. As shown in fig. 8, the electronic device 800 includes: a processor 801, a transceiver 802, a memory 803, a user interface 804 and a bus interface, wherein:

in an embodiment of the present invention, the electronic device 800 further includes: a computer program stored on the memory 803 and executable on the processor 801, the computer program when executed by the processor 801 implementing the steps of:

acquiring operation information of resource management application, wherein the resource management application comprises application providing resource management service, the resource management service comprises at least one of resource transfer service and resource revenue service, and the operation information comprises information representing operation conditions of companies corresponding to the resource management application;

identifying whether the resource management application has risks or not based on the acquired operation information;

and under the condition that the resource management application is identified to have risk, sending early warning information to the terminal equipment which is installed and/or is to be installed with the resource management application so that the terminal equipment sends early warning prompts based on the early warning information.

In FIG. 8, the bus architecture may include any number of interconnected buses and bridges, with one or more processors, represented by the processor 801, and various circuits, represented by the memory 803, linked together. The bus architecture may also link together various other circuits such as peripherals, voltage regulators, power management circuits, and the like, which are well known in the art, and therefore, will not be described any further herein. The bus interface provides an interface. The transceiver 802 may be a number of elements including a transmitter and a receiver that provide a means for communicating with various other apparatus over a transmission medium. The user interface 804 may also be an interface capable of interfacing with a desired device for different user devices, including but not limited to a keypad, display, speaker, microphone, joystick, etc.

The processor 801 is responsible for managing the bus architecture and general processing, and the memory 803 may store data used by the processor 801 in performing operations.

Optionally, the computer program when executed by the processor 803 may also implement the following steps:

determining a risk level corresponding to the acquired operation information based on a preset corresponding relation between the risk level and the operation information and the acquired operation information;

and determining whether the resource management application has risks or not based on the risk level corresponding to the operation information and a preset risk level threshold.

Receiving a risk query request aiming at the resource management application and sent by the terminal equipment;

and under the condition that the resource management application is identified to have risks, sending the early warning information to the terminal equipment.

Monitoring a download request for the resource management application if the resource management application is identified to be at risk;

and if the downloading request is monitored, sending the early warning information to the terminal equipment sending the downloading request.

Acquiring the name of a company corresponding to the resource management application;

and capturing operation information matched with the name of the company from an information source which is judged to be credible in advance according to the name of the company, wherein the operation information is used as the operation information of the resource management application.

In the electronic device of the embodiment of the invention, whether the resource management application has a risk or not can be identified based on the acquired information representing the operation condition of the company corresponding to the resource management application, and the terminal device is triggered to send the early warning prompt to enable the user to identify that the resource management application has the risk under the condition that the resource management application has the risk.

EXAMPLE seven

Figure 9 is a schematic diagram of a hardware structure of a terminal device implementing various embodiments of the present invention,

the terminal device 900 includes but is not limited to: a radio frequency unit 901, a network module 902, an audio output unit 903, an input unit 904, a sensor 905, a display unit 906, a user input unit 907, an interface unit 908, a memory 909, a processor 910, and a power supply 911. Those skilled in the art will appreciate that the terminal device configuration shown in fig. 9 does not constitute a limitation of the terminal device, and that the terminal device may include more or fewer components than shown, or combine certain components, or a different arrangement of components. In the embodiment of the present invention, the terminal device includes, but is not limited to, a mobile phone, a tablet computer, a notebook computer, a palm computer, a vehicle-mounted terminal, a wearable device, a pedometer, and the like.

The processor 910 is configured to obtain operation information of a resource management application, where the resource management application includes an application providing a resource management service, the resource management service includes at least one of a resource transfer service and a resource revenue service, the resource management application includes a resource management application installed in a terminal device and/or a resource management application to be installed, and the operation information includes information representing an operation condition of a company corresponding to the resource management application;

the processor 910 is further configured to identify whether the resource management application is at risk based on the acquired operation information;

the processor 910 is further configured to issue an early warning prompt when it is identified that the resource management application is at risk.

The embodiment of the invention provides a terminal device, which can identify whether a risk exists in a resource management application based on acquired information representing the operation condition of a company corresponding to the resource management application, and trigger the terminal device to send an early warning prompt to enable a user to identify that the risk exists in the resource management application under the condition that the risk exists in the resource management application is identified.

It should be understood that, in the embodiment of the present application, the radio frequency unit 901 may be used for receiving and sending signals during a message sending and receiving process or a call process, and specifically, after receiving downlink data from a base station, the downlink data is processed by the processor 910; in addition, the uplink data is transmitted to the base station. Generally, the radio frequency unit 901 includes, but is not limited to, an antenna, at least one amplifier, a transceiver, a coupler, a low noise amplifier, a duplexer, and the like. In addition, the radio frequency unit 901 can also communicate with a network and other devices through a wireless communication system.

The terminal device provides wireless broadband internet access to the user through the network module 902, such as helping the user send and receive e-mails, browse webpages, access streaming media, and the like.

The audio output unit 903 may convert audio data received by the radio frequency unit 901 or the network module 902 or stored in the memory 909 into an audio signal and output as sound. Also, the audio output unit 903 may also provide audio output related to a specific function performed by the terminal apparatus 900 (e.g., a call signal reception sound, a message reception sound, etc.). The audio output unit 903 includes a speaker, a buzzer, a receiver, and the like.

The input unit 904 is used to receive audio or video signals. The input Unit 904 may include a Graphics Processing Unit (GPU) 9041 and a microphone 9042, and the Graphics processor 9041 processes image data of a still picture or video obtained by an image capturing device (such as a camera) in a video capture mode or an image capture mode. The processed image frames may be displayed on the display unit 906. The image frames processed by the graphic processor 9041 may be stored in the memory 909 (or other storage medium) or transmitted via the radio frequency unit 901 or the network module 902. The microphone 9042 can receive sounds and can process such sounds into audio data. The processed audio data may be converted into a format output transmittable to a mobile communication base station via the radio frequency unit 901 in case of the phone call mode.

The terminal device 900 also includes at least one sensor 905, such as light sensors, motion sensors, and other sensors. Specifically, the light sensor includes an ambient light sensor that can adjust the brightness of the display panel 9061 according to the brightness of ambient light, and a proximity sensor that can turn off the display panel 9061 and/or backlight when the terminal device 900 is moved to the ear. As one of the motion sensors, the accelerometer sensor can detect the magnitude of acceleration in each direction (generally three axes), detect the magnitude and direction of gravity when stationary, and can be used to identify the terminal device posture (such as horizontal and vertical screen switching, related games, magnetometer posture calibration), vibration identification related functions (such as pedometer, tapping), and the like; the sensors 905 may also include a fingerprint sensor, a pressure sensor, an iris sensor, a molecular sensor, a gyroscope, a barometer, a hygrometer, a thermometer, an infrared sensor, etc., which are not described in detail herein.

The display unit 906 is used to display information input by the user or information provided to the user. The Display unit 906 may include a Display panel 9061, and the Display panel 9061 may be configured in the form of a Liquid Crystal Display (LCD), an Organic Light-Emitting Diode (OLED), or the like.

The user input unit 907 may be used to receive input numeric or character information and generate key signal inputs related to user settings and function control of the terminal device. Specifically, the user input unit 907 includes a touch panel 9091 and other input devices 9072. The touch panel 9091, also referred to as a touch screen, may collect touch operations by a user on or near the touch panel 9091 (e.g., operations by a user on or near the touch panel 9091 using a finger, a stylus, or any other suitable object or accessory). The touch panel 9091 may include two parts, a touch detection device and a touch controller. The touch detection device detects the touch direction of a user, detects a signal brought by touch operation and transmits the signal to the touch controller; the touch controller receives touch information from the touch sensing device, converts the touch information into touch point coordinates, sends the touch point coordinates to the processor 910, receives a command from the processor 910, and executes the command. In addition, the touch panel 9091 can be implemented by using various types such as a resistive type, a capacitive type, an infrared ray, a surface acoustic wave, and the like. The user input unit 907 may include other input devices 9072 in addition to the touch panel 9091. Specifically, the other input devices 9072 may include, but are not limited to, a physical keyboard, function keys (such as a volume control key, a switch key, and the like), a track ball, a mouse, and a joystick, which are not described herein again.

Further, the touch panel 9091 may be overlaid on the display panel 9061, and when the touch panel 9091 detects a touch operation on or near the touch panel 9091, the touch panel is transmitted to the processor 910 to determine the type of the touch event, and then the processor 910 provides a corresponding visual output on the display panel 9061 according to the type of the touch event. Although in fig. 9, the touch panel 9091 and the display panel 9061 are implemented as two independent components to implement the input and output functions of the terminal device, in some embodiments, the touch panel 9091 and the display panel 9061 may be integrated to implement the input and output functions of the terminal device, which is not limited herein.

The interface unit 908 is an interface for connecting an external device to the terminal apparatus 900. For example, the external device may include a wired or wireless headset port, an external power supply (or battery charger) port, a wired or wireless data port, a memory card port, a port for connecting a device having an identification module, an audio input/output (I/O) port, a video I/O port, an earphone port, and the like. The interface unit 908 may be used to receive input (e.g., data information, power, etc.) from external devices and transmit the received input to one or more elements within the terminal apparatus 900 or may be used to transmit data between the terminal apparatus 900 and external devices.

The memory 909 may be used to store software programs as well as various data. The memory 909 may mainly include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application program required for at least one function (such as a sound playing function, an image playing function, etc.), and the like; the storage data area may store data (such as audio data, a phonebook, etc.) created according to the use of the cellular phone, and the like. Further, the memory 409 may include high speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other volatile solid state storage device.

The processor 910 is a control center of the terminal device, connects various parts of the entire terminal device with various interfaces and lines, and performs various functions of the terminal device and processes data by running or executing software programs and/or modules stored in the memory 909 and calling data stored in the memory 909, thereby performing overall monitoring of the terminal device. Processor 910 may include one or more processing units; preferably, the processor 910 may integrate an application processor, which mainly handles operating systems, user interfaces, application programs, etc., and a modem processor, which mainly handles wireless communications. It is to be appreciated that the modem processor described above may not be integrated into processor 910.

The terminal device 900 may further include a power supply 911 (e.g., a battery) for supplying power to various components, and preferably, the power supply 911 may be logically connected to the processor 910 through a power management system, so as to manage charging, discharging, and power consumption management functions through the power management system.

Preferably, an embodiment of the present invention further provides a terminal device, which includes a processor 910, a memory 909, and a computer program that is stored in the memory 909 and can be run on the processor 910, and when the computer program is executed by the processor 910, the processes of the above-mentioned embodiment of the risk notification method are implemented, and the same technical effect can be achieved, and in order to avoid repetition, details are not described here again.

Example eight

The embodiment of the present invention further provides a computer-readable storage medium, where a computer program is stored on the computer-readable storage medium, and when the computer program is executed by a processor, the computer program implements each process of the above-mentioned embodiment of the risk indication method, and can achieve the same technical effect, and in order to avoid repetition, details are not repeated here. The computer-readable storage medium may be a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk.

The embodiment of the application provides a computer-readable storage medium, wherein operation information of resource management application is acquired, the resource management application comprises application providing management service of resource transfer and/or resource income for a user, the operation information comprises information representing operation conditions of a company corresponding to the resource management application, whether risk exists in the resource management application is identified based on the acquired operation information, and under the condition that the risk exists in the resource management application is identified, early warning information is sent to terminal equipment installed and/or to-be-installed with the resource management application, so that the terminal equipment sends early warning prompt based on the early warning information. Therefore, whether the resource management application has risks or not is determined based on the operation information, the efficiency and accuracy of risk identification can be improved, meanwhile, the early warning information is sent to the terminal equipment, the user resource management application can be timely reminded of the existence of the risks, and therefore the hidden danger of economic loss of the user is reduced.

As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.

Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, computer readable media does not include transitory computer readable media (transmyedia) such as modulated data signals and carrier waves.

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.

As will be appreciated by one skilled in the art, embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The above description is only an example of the present application and is not intended to limit the present application. Various modifications and changes may occur to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.

Claims (12)

1. A risk prompting method is applied to a server and is characterized by comprising the following steps:

acquiring operation information of resource management application, wherein the resource management application comprises application providing resource management service, the resource management service comprises at least one of resource transfer service and resource revenue service, and the operation information comprises information representing operation conditions of companies corresponding to the resource management application;

identifying whether the resource management application has risks or not based on the acquired operation information;

and under the condition that the resource management application is identified to have risk, sending early warning information to the terminal equipment which is installed and/or is to be installed with the resource management application so that the terminal equipment sends early warning prompts based on the early warning information.

2. The method of claim 1, wherein the identifying whether the resource management application is at risk based on the obtained operation information comprises:

determining a risk level corresponding to the acquired operation information based on a preset corresponding relation between the risk level and the operation information;

and determining whether the resource management application has risks or not based on the risk level corresponding to the operation information and a preset risk level threshold.

3. The method of claim 1, wherein the sending warning information to the terminal device having the resource management application installed in the case that the resource management application is identified to be at risk comprises:

receiving a risk query request aiming at the resource management application and sent by the terminal equipment;

and under the condition that the resource management application is identified to have risks, sending the early warning information to the terminal equipment.

4. The method according to claim 1, wherein the sending early warning information to the terminal device to which the resource management application is to be installed in the case that the resource management application is identified to be at risk comprises:

monitoring a download request for the resource management application if the resource management application is identified to be at risk;

and if the downloading request is monitored, sending the early warning information to the terminal equipment sending the downloading request.

5. The method according to any one of claims 1 to 4, wherein the information characterizing the operation status of the company corresponding to the resource management application comprises at least one of the following information:

the latest dynamic and capital flow state of the qualification information, legal information and operation condition of the company;

the acquiring operation information of the resource management application includes:

acquiring the name of a company corresponding to the resource management application;

and capturing operation information matched with the name of the company from an information source which is judged to be credible in advance according to the name of the company, wherein the operation information is used as the operation information of the resource management application.

6. A risk prompting method is applied to terminal equipment and is characterized by comprising the following steps:

acquiring operation information of resource management application, wherein the resource management application comprises application providing resource management service, the resource management service comprises at least one of resource transfer service and resource revenue service, the resource management application comprises resource management application installed in terminal equipment and/or resource management application to be installed, and the operation information comprises information representing operation conditions of companies corresponding to the resource management application;

identifying whether the resource management application has risks or not based on the acquired operation information;

and sending out an early warning prompt under the condition that the resource management application is identified to have risks.

7. A risk suggestion device, characterized in that the device comprises:

the information acquisition module is used for acquiring operation information of resource management application, wherein the resource management application comprises application providing resource management service, the resource management service comprises at least one of resource transfer service and resource revenue service, and the operation information comprises information representing the operation condition of a company corresponding to the resource management application;

a risk identification module, configured to identify whether the resource management application has a risk based on the operation information;

and the information sending module is used for sending early warning information to the terminal equipment which is installed and/or is to be installed with the resource management application under the condition that the resource management application is identified to have risk so that the terminal equipment sends an early warning prompt based on the early warning information.

8. The apparatus of claim 7, wherein the risk identification module comprises:

the system comprises a grade determining unit, a risk grade determining unit and a risk grade determining unit, wherein the grade determining unit is used for determining the risk grade corresponding to the acquired operation information based on the preset corresponding relation between the risk grade and the operation information and the acquired operation information;

and the risk determining unit is used for determining whether the resource management application has a risk or not based on a risk level corresponding to the operation information and a preset risk level threshold.

9. The apparatus of claim 7, wherein the information sending module comprises:

a request receiving unit, configured to receive a risk query request for the resource management application sent by the terminal device;

and the first sending unit is used for sending the early warning information to the terminal equipment under the condition that the resource management application is identified to have risks.

10. The apparatus of claim 7, wherein the information sending module comprises:

the request monitoring unit is used for monitoring a downloading request aiming at the resource management application under the condition that the resource management application is identified to have risk;

and the second sending unit is used for sending the early warning information to the terminal equipment sending the downloading request if the downloading request is monitored.

11. The apparatus according to any one of claims 7 to 10, wherein the information characterizing the operation status of the company corresponding to the resource management application comprises at least one of the following information:

the latest dynamic and capital flow state of the qualification information, legal information and operation condition of the company;

the information acquisition module includes:

a name acquisition unit, configured to acquire a name of a company corresponding to the resource management application;

and the information capturing unit is used for capturing operation information matched with the name of the company from an information source which is judged to be credible in advance according to the name of the company and taking the operation information as the operation information of the resource management application.

12. A risk suggestion device, characterized in that the device comprises:

the information acquisition module is used for acquiring operation information of resource management application, wherein the resource management application comprises application providing resource management service, the resource management service comprises at least one of resource transfer service and resource revenue service, the resource management application comprises resource management application installed in terminal equipment and/or resource management application to be installed, and the operation information comprises information representing operation conditions of companies corresponding to the resource management application;

the risk identification module is used for identifying whether the resource management application has risks or not based on the acquired operation information;

and the information display module is used for sending out an early warning prompt under the condition that the resource management application is identified to have risks.

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