CN108366009A - Method for pushing, device and the server of reminder message - Google Patents

Method for pushing, device and the server of reminder message Download PDF

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Publication number
CN108366009A
CN108366009A CN201710057395.2A CN201710057395A CN108366009A CN 108366009 A CN108366009 A CN 108366009A CN 201710057395 A CN201710057395 A CN 201710057395A CN 108366009 A CN108366009 A CN 108366009A
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Prior art keywords
message
pushing
determining
user
communication mode
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李大鹏
吴海波
康洁洁
成波
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Alibaba Group Holding Ltd
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Alibaba Group Holding Ltd
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    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L51/00User-to-user messaging in packet-switching networks, transmitted according to store-and-forward or real-time protocols, e.g. e-mail
    • H04L51/21Monitoring or handling of messages
    • H04L51/214Monitoring or handling of messages using selective forwarding
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • G06Q20/401Transaction verification
    • G06Q20/4016Transaction verification involving fraud or risk level assessment in transaction processing
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q30/00Commerce
    • G06Q30/018Certifying business or products
    • G06Q30/0185Product, service or business identity fraud
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L51/00User-to-user messaging in packet-switching networks, transmitted according to store-and-forward or real-time protocols, e.g. e-mail
    • H04L51/56Unified messaging, e.g. interactions between e-mail, instant messaging or converged IP messaging [CPM]

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  • General Business, Economics & Management (AREA)
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  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Entrepreneurship & Innovation (AREA)
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Abstract

The application provides a kind of method for pushing of reminder message, device and server, this method:When monitoring that user behavior corresponding with account occurs abnormal, reminder message is generated according to the user behavior;Based on the various dimensions reference information of account where the user behavior, the communication mode for pushing the reminder message is determined;The reminder message is pushed based on the communication mode.Different accounts can be made based on push mode of the various dimensions reference information of itself with different reminder messages in the technical solution of the application, the push mode of reminder message is set mutually to have more specific aim for a user, when user's difference in crowds is big, user's scene complexity when, it may be implemented in " thousand people, thousand face ", improve the diversification of push reminder message.

Description

Reminding message pushing method and device and server
Technical Field
The present application relates to the field of internet technologies, and in particular, to a method, an apparatus, and a server for pushing a reminder message.
Background
In the prior art, when it is monitored that a login account of a user on a platform for shopping or payment is abnormal, the platform usually pushes a reminding message to the user through short messages, mails, instant messaging and other modes, so that the user can know the risk of an account based on the reminding message and take precautionary measures against the risk.
In the prior art, only one or more of the reminding modes are adopted to remind the user, so that when the user population difference is large and the user scene is complex, the reminding mode is single relative to the user experience.
Disclosure of Invention
The application provides a new technical scheme, which can send the reminding message to different users through different communication modes, so that the pushing mode of the reminding message is more targeted compared with the users.
In order to achieve the above purpose, the present application provides the following technical solutions:
according to a first aspect of the present application, a method for pushing an alert message is provided, including:
when monitoring that user behaviors corresponding to the account are abnormal, generating a reminding message according to the user behaviors; determining a communication mode for pushing the reminding message based on the multidimensional reference information of the account where the user behavior is located; and pushing the reminding message based on the communication mode.
According to a second aspect of the present application, a device for pushing an alert message is provided, including:
the message generating unit is used for generating a reminding message according to the user behavior when the user behavior corresponding to the account is monitored to be abnormal; a first determining unit, configured to determine, based on multidimensional reference information of an account where the user behavior is located, a communication manner for pushing the reminder message generated by the message generating unit; and the message pushing unit is used for pushing the reminding message based on the communication mode determined by the first determining unit.
According to a third aspect of the present application, there is provided a server comprising:
a processor; a memory for storing the processor-executable instructions;
the processor is used for generating a reminding message according to the user behavior when the user behavior corresponding to the account is monitored to be abnormal; determining a communication mode for pushing the reminding message based on the multidimensional reference information of the account where the user behavior is located; and pushing the reminding message based on the communication mode.
According to the technical scheme, the communication mode of the reminding message pushed by the user is determined based on the multidimensional reference information of the account where the user behavior is located, different accounts can have different reminding message pushing modes based on the multidimensional reference information of the accounts, the reminding message pushing mode is more specific to the user, and when the user population difference is large and the user scene is complex, 'thousands of people and thousands of faces' can be realized, so that the diversification of the reminding message pushed is improved; when the reminding message can reach the user at the first time, the reminding message is prevented from being pushed in a plurality of communication modes, so that the resource consumption of the server in the process of pushing the reminding message is reduced, and the time waste of the user in the process of checking different communication modes for pushing the reminding message is reduced.
Drawings
Fig. 1 is a flowchart illustrating a method for pushing a reminder message according to an exemplary embodiment of the present invention;
fig. 2 is a flowchart illustrating a method for pushing an alert message according to another exemplary embodiment of the present invention;
fig. 3 is a flowchart illustrating a method for pushing a reminder message according to still another exemplary embodiment of the present invention;
fig. 4 is a schematic structural diagram of a device for pushing an alert message according to an exemplary embodiment of the present invention;
fig. 5 is a schematic structural diagram of a server according to an exemplary embodiment of the present invention.
Detailed Description
Reference will now be made in detail to the exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, like numbers in different drawings represent the same or similar elements unless otherwise indicated. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with the present application. Rather, they are merely examples of apparatus and methods consistent with certain aspects of the present application, as detailed in the appended claims.
The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the application. As used in this application and the appended claims, the singular forms "a", "an", and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. It should also be understood that the term "and/or" as used herein refers to and encompasses any and all possible combinations of one or more of the associated listed items.
It will be understood that, although the terms first, second, etc. may be used herein to describe various information, these information should not be limited by these terms. These terms are only used to distinguish one type of information from another. For example, first information may also be referred to as second information, and similarly, second information may also be referred to as first information, without departing from the scope of the present application. The word "if" as used herein may be interpreted as "at … …" or "when … …" or "in response to a determination", depending on the context.
The present application relates to the basic definitions:
user behavior: the data indicates the behavior data of login, transaction, payment, information change or login equipment replacement and the like of the user based on the account number. The user's preferences may be reflected by the behavioral data.
The anomaly described in the present application is a concept relative to the normal behavior of the user, and can be determined whether the anomaly is an anomaly or not by the behavior data corresponding to the behavior of the user, for example, the transaction number of the user in a short time (within 1 hour, which can be set by the user according to the security awareness of the user) exceeds a preset threshold or the transaction amount exceeds a preset threshold, which can be regarded as an anomaly.
For further explanation of the present application, the following examples are provided:
fig. 1 is a flowchart illustrating a method for pushing a reminder message according to an exemplary embodiment of the present invention; the embodiment can be applied to a server, as shown in fig. 1, and includes the following steps:
step 101, when it is monitored that the user behavior corresponding to the account is abnormal, a reminding message is generated according to the user behavior.
For example, the number of transactions in the account in a short time is increased to a preset threshold, the payment amount exceeds the highest amount set by the user, and important sensitive information is changed (for example, password is changed), which indicates that the user behavior is abnormal; whether the user behavior is abnormal can also be monitored by monitoring the hardware environment of the electronic device used by the user, for example, if the login state of the user through the handheld device is changed to the login state of the personal computer and the user does not log in through the personal computer within a set time period (for example, about 3 months), it indicates that the user behavior is abnormal.
In an embodiment, the risk level of the user behavior may be determined according to the degree of abnormality of the user behavior, and the reminder message may be generated based on the risk level, optionally, the risk level may be rated according to the abnormal situation of the user behavior through an existing decision model, and different risk levels correspond to different risk processing manners, so as to generate the reminder message with different message contents, and in an embodiment, the risk level may include a plurality of different levels, for example: the first level, the second level and the third level, wherein the first level represents low risk, the second level represents medium risk, the third level represents high risk, if the risk level of the user behavior is the first level, the user behavior indicates that the user authentication risk needs to be performed, if the risk level of the user behavior is the second level, the user permission needs to be reduced, and if the risk level of the user behavior is the third level, the user behavior indicates that the account needs to be frozen to stop any user behavior of the account, and correspondingly, the reminding message can correspond to: prompting a reminding message for carrying out identity authentication, a reminding message for reducing user permission and a reminding message for freezing an account number.
In another embodiment, the specific content of the reminding message can be determined through the corresponding relation table by establishing the corresponding relation table between the user behavior and the reminding message.
And 102, determining a communication mode for sending the reminding message based on the multi-dimensional reference information of the account where the user behavior is located.
In an embodiment, at least one security attribute contained in each dimension in multi-dimensional reference information of an account where a user behavior is located can be determined; and determining a communication mode for pushing the reminding message according to the corresponding attribute information in the at least one security attribute.
In this embodiment, as shown in table 1A, the multi-dimensional reference information includes three-dimensional information: a first dimension, a second dimension, and a third dimension. Multiple security attributes may be included in each dimension, for example, the first dimension includes the number of exception reminders, sensitive operations, and frozen notifications for the account.
The second dimension contains some basic information of the account, for example, the basic attributes of the user are "young women", the behavior habit is "shopping", and the risk preference is "3 tolerable online transactions exceeding the payment limit of 500".
The third dimension contains setting information of the account about the reminding message, and the setting information can be set by a user in a self-defining mode. For example, the specified channel represents the communication mode (such as a mobile phone number, an application program and the like) for sending the reminding message set by the user, the specified message type reminding message type (such as short message, voice and the like), the specified time period represents the time period for sending the reminding message (such as 8: 00-10: 00 evening), and the maximum acceptable transaction or transfer amount set by the user with the specified amount (such as the maximum transfer amount of 500 RMB) is specified. The behavior habits and behavior preferences of the user can be accurately represented by the multi-dimensional reference information.
TABLE 1A
In an exemplary scenario, in order to more accurately represent user habits and behavior preferences corresponding to an account, the multidimensional reference information may include multiple dimensions, for example, as shown in table 1B below, the multiple dimensions included in the multidimensional reference information may be a message dimension, a user dimension, a setting dimension, a device dimension, a dimension of a processed record, and the like, each dimension may include at least one security attribute, and each security attribute corresponds to attribute information.
TABLE 1B
In table 1B, the message dimensions include security attributes such as abnormal reminder, sensitive operation, freeze notification, and customized message, the user dimensions include security attributes such as basic attribute, behavior habit, risk preference, and channel availability, the setting dimensions include security attributes such as specified channel, specified message type, specified time period, and specified frequency, the dimensions of processed record include security attributes such as reminder record, verification record, right-limiting record, and freeze record, the abnormal reminder, sensitive operation, freeze notification, and customized message may correspond to yes or no attribute information, the basic attribute may correspond to basic information of the user, the behavior habit may correspond to preference information of account login (for example, login time is usually 8: 00-10: 00 pm, preference of purchased goods is in cosmetics, and the like), the risk preference may correspond to preference of the user for high or low risk, channel availability may correspond to communication modes frequently used by users or communication modes not used, and so on.
In an embodiment, the account where the user behavior is located may correspond to a plurality of different communication modes, and the communication modes may include: application programs (App), email, instant messaging tools, phone calls, text messages, etc. In an embodiment, a communication method may be determined from the multiple different communication methods based on the multidimensional reference information, and specifically, how to determine a communication method from the multiple different communication methods based on the multidimensional reference information may refer to the following description of the embodiment shown in fig. 3, which is not described in detail herein.
And 103, sending a reminding message based on the communication mode.
For example, the server determines that it needs to push the reminding message to the user through the application program from the plurality of different communication modes, and then pushes the reminding message through the application program.
In an exemplary scenario, a user logs in a payment application program through a smart phone by using an account number "ABC", a server monitors user behaviors after the account number "ABC" logs in, and if the user behaviors after ABC are monitored to be abnormal, a reminding message can be generated according to the user behaviors. And if the server determines that the communication mode of the user for sending the reminding message is an application program and a short message based on the multi-dimensional reference information of ABC, the server can send the reminding message by using the application program and the short message.
As can be seen from the above description, in the embodiment of the present invention, the communication mode of the user for pushing the reminding message is determined based on the multidimensional reference information of the account where the user behavior is located, so that different accounts have different reminding message pushing modes based on the multidimensional reference information of the account, and the reminding message pushing mode is more targeted than the user, and when the user population difference is large and the user scene is complicated, "thousands of people and thousands of faces" can be realized, thereby improving the diversity of the pushing reminding message; when the reminding message can reach the user at the first time, the reminding message is prevented from being pushed in a plurality of communication modes, so that the resource consumption of the server in the process of pushing the reminding message is reduced, and the time waste of the user in the process of checking different communication modes for pushing the reminding message is reduced.
Fig. 2 is a flowchart illustrating a method for pushing an alert message according to another exemplary embodiment of the present invention; based on the embodiment shown in fig. 1, the present embodiment takes how to update multidimensional reference information as an example, and as shown in fig. 2, the present embodiment includes the following steps:
step 201, receiving a feedback message generated based on the reminding message.
In an embodiment, the feedback message may be generated by the terminal that receives the alert message, for example, if the alert message is pushed by an application, the terminal may generate the feedback message based on a confirmation operation or a processing operation on the application by the user, and if the alert message is pushed by a short message, the terminal may generate the feedback message based on the content of a reply short message by the user.
In an embodiment, the feedback message may include response data of a confirmation operation or a processing operation performed by the user according to the reminder message after viewing the reminder message, where the response data may be data for managing or setting security of the account by the user.
Step 202, response data related to the user behavior is parsed from the feedback message.
And step 203, updating the multidimensional reference information according to the response data.
In one embodiment, a target dimension corresponding to the response data in the multi-dimensional reference information may be determined, and a security attribute in the target dimension, updating attribute information of the security attribute in the target dimension in the multi-dimensional reference information based on the response data, for example, the reminder message is "the transfer amount exceeds the set amount, determine whether the action is a risk action, if not, determine whether the set amount needs to be increased", if the user determines that the action is not a risk action based on the reminder message, and the user needs to improve the set limit, the feedback message is 'not, 10000', when the server receives the feedback message, the response data 'not' and '10000' are analyzed, the attribute information corresponding to the security attribute "specified amount" shown in table 1 is updated to "10000", and updating the attribute information corresponding to the security attribute 'abnormal reminding' into 'reminding when the transfer amount exceeds 10000'.
In this embodiment, the multidimensional reference information is updated based on the feedback message, so that the server forms a closed loop through the reminding message and the feedback message, and the multidimensional reference information is updated through the response data, so that the accuracy of identifying the abnormal behavior by the multidimensional reference information can be improved, and the account protection efficiency is improved.
Fig. 3 is a flowchart illustrating a method for pushing a reminder message according to still another exemplary embodiment of the present invention; based on the embodiment shown in fig. 1, this embodiment takes how to determine a communication manner for pushing an alert message as an example, and as shown in fig. 3, the method includes the following steps:
step 301, if the number of the communication modes for prompting the message is more than two, determining attribute information about the communication modes, which is contained in the user dimension and the setting dimension of the login account in the multi-dimensional reference information.
Step 302, according to the attribute information of the communication mode, determining the priority of more than two communication modes.
For example, in table 1, the attribute information corresponding to the security attribute in the processed record dimension is "reminder record", the number of times or frequency of reminding of the mobile phone number bound to the account on the e-commerce platform is recorded, the attribute information corresponding to the security attribute is "verification record", and the short message verification use record or frequency received by the mobile phone is recorded, so that the index value of the mobile phone number bound to the account can be calculated in a weighted manner based on the security attribute.
And step 303, determining the communication mode with the highest priority in the more than two communication modes according to the priority.
Step 304, determining whether the sending of the reminding message based on the communication mode with the highest priority is reachable, if the sending of the reminding message based on the communication mode with the highest priority is not reachable, executing step 305, and if the sending of the reminding message based on the communication mode with the highest priority is not reachable, executing step 306.
And 305, sending a reminding message based on the communication mode with the highest priority, and ending the process.
And step 306, if the reminding message is not reachable by sending based on the communication mode with the highest priority, determining the priority of the communication modes except the communication mode with the highest priority in the more than two communication modes.
Step 307, pushing a reminding message based on the communication mode with the highest priority in the communication modes except the communication mode with the highest priority, and ending the process.
For example, the communication means for the reminder message includes: if the channel is designated based on the security attribute about the communication mode in the set dimension: if the effective communication mode counted by the behavior habits of the short message and the telephone is an application program, determining the priority of the communication mode as follows: the application program, the short message and the telephone show that the communication mode of the application program is not reachable under the condition that the account does not log in the application program, namely, the user cannot check the reminding message in time, at the moment, the communication mode with the highest priority in the short message and the telephone can be determined, for example, the short message sends the reminding message to the mobile phone number corresponding to the user in a short message mode, and so on until the user can check the reminding message or traverse all the communication modes.
In this embodiment, the reminding message is pushed in a priority-based manner, so that it can be ensured that the high-priority communication manner pushes the reminding message first, and if the high-priority communication manner is not reachable, the reminding message is continuously pushed in a second-priority communication manner, thereby avoiding pushing the reminding message for many times.
Fig. 4 is a schematic structural diagram of a device for pushing an alert message according to an exemplary embodiment of the present invention; as shown in fig. 4, the pushing device of the alert message may include: a message generating unit 41, a first determining unit 42, and a message pushing unit 43. Wherein:
the message generating unit 41 is configured to generate a prompting message according to the user behavior when it is monitored that the user behavior is abnormal;
a first determining unit 42, configured to determine, based on the multidimensional reference information of the account where the user behavior is located, a communication mode for pushing the reminder message generated by the message generating unit 41;
a message pushing unit 43, configured to push the reminding message based on the communication mode determined by the first determining unit 42.
In an embodiment, the apparatus for pushing the alert message may further include:
a message receiving unit 44, configured to receive a feedback message generated based on the alert message pushed by the message pushing unit 43;
a data parsing unit 45, configured to parse response data related to the user behavior from the feedback message received by the message receiving unit 44;
and an updating unit 46, configured to update the multidimensional reference information according to the response data parsed by the data parsing unit 45.
In an embodiment, the first determining unit 42 may include:
the first determining subunit 421 is configured to determine at least one security attribute included in each dimension of the multidimensional reference information of the account where the user behavior is located;
the second determining subunit 422 is configured to determine, according to the attribute information corresponding to the at least one security attribute determined by the first determining subunit 421, a communication manner for pushing the reminder message.
In an embodiment, the apparatus for pushing the alert message may further include:
a second determining unit 47, configured to determine priorities of two or more communication manners if the communication manner determined by the first determining unit 42 for sending the alert message is two or more;
a third determining unit 48, configured to determine, according to the priority determined by the second determining unit 47, a communication method with a highest priority among the two or more communication methods;
the message pushing unit 43 is configured to push the reminding message based on the communication mode with the highest priority determined by the third determining unit 48.
In an embodiment, the apparatus for pushing the alert message may further include:
a fourth determining unit 50, configured to determine, if the message pushing unit 43 cannot reach the notification message sent based on the communication mode with the highest priority, a priority of a communication mode other than the communication mode with the highest priority in the two or more communication modes;
the message pushing unit 43 is configured to push the reminder message based on the communication method with the highest priority among the communication methods other than the communication method with the highest priority.
In an embodiment, the second determining unit 47 comprises:
a third determining subunit 471, configured to determine attribute information about a communication method included in the user dimension and the setting dimension of the account in the multi-dimensional reference information;
a fourth determining subunit 472, configured to determine priorities of two or more communication methods according to the attribute information of the communication method determined by the third determining subunit 471.
In an embodiment, the message generating unit 41 may include:
a fifth determining subunit 411, configured to determine a risk level of the account corresponding to the user behavior;
a generating unit sub-412, configured to generate a reminder message based on the risk level determined by the fifth determining sub-unit 411.
Corresponding to the method for pushing the reminder message provided in any of the embodiments of fig. 1 to fig. 3, the present application further provides a schematic structure diagram of a server according to an exemplary embodiment of the present invention shown in fig. 5. Referring to fig. 5, at the hardware level, the server may include a processor, an internal bus, a network interface, a memory, and a non-volatile memory, but may also include hardware required for other services. The processor reads a corresponding computer program from the non-volatile memory to the memory and then runs the computer program, so as to implement the reminding message pushing device of the embodiment shown in fig. 4 on a logic level. Of course, besides the software implementation, the present application does not exclude other implementations, such as logic devices or a combination of software and hardware, and the like, that is, the execution subject of the following processing flow is not limited to each logic unit, and may also be hardware or logic devices.
It should be noted that, the systems, devices, modules or units described in the above embodiments may be implemented by a computer chip or an entity, or implemented by an article with a certain function. A typical implementation device is a computer, which may take the form of a personal computer, laptop computer, cellular telephone, camera phone, smart phone, personal digital assistant, media player, navigation device, email messaging device, game console, tablet computer, wearable device, or a combination of any of these devices.
Other embodiments of the present application will be apparent to those skilled in the art from consideration of the specification and practice of the invention disclosed herein. This application is intended to cover any variations, uses, or adaptations of the invention following, in general, the principles of the application and including such departures from the present disclosure as come within known or customary practice within the art to which the invention pertains. It is intended that the specification and examples be considered as exemplary only, with a true scope and spirit of the application being indicated by the following claims.
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.
The above description is only exemplary of the present application and should not be taken as limiting the present application, as any modification, equivalent replacement, or improvement made within the spirit and principle of the present application should be included in the scope of protection of the present application.

Claims (13)

1. A method for pushing a reminding message is characterized in that the method comprises the following steps:
when monitoring that user behaviors corresponding to the account are abnormal, generating a reminding message according to the user behaviors;
determining a communication mode for pushing the reminding message based on the multidimensional reference information of the account where the user behavior is located;
and pushing the reminding message based on the communication mode.
2. The method of claim 1, further comprising:
receiving a feedback message generated based on the reminding message;
parsing response data related to the user behavior from the feedback message;
and updating the multidimensional reference information according to the response data.
3. The method of claim 1, wherein the determining a communication mode for pushing the reminder message based on the multidimensional reference information of the account where the user behavior is located comprises:
determining at least one security attribute contained in each dimension in the multi-dimensional reference information of the account where the user behavior is located;
and determining a communication mode for pushing the reminding message according to the corresponding attribute information in the at least one security attribute.
4. The method of claim 3, wherein the multi-dimensional reference information comprises security attributes contained in each of a first dimension, a second dimension, and a third dimension; wherein,
the first dimension includes security attributes including: the method comprises the following steps of abnormal reminding, sensitive operation and freezing notification, wherein the attribute information corresponds to the times of the abnormal reminding, the times of the sensitive operation and the times of the freezing notification;
the security attributes contained in the second dimension include: basic attributes, behavior habits and risk preferences, wherein the attribute information corresponds to basic information of a user, preference information of account login and acceptable risk level;
the third dimension contains security attributes including: the method comprises the steps of appointing a channel, appointing a message type, appointing a time period and appointing a limit, wherein attribute information corresponding to the appointed channel, the appointed message type, the appointed time period and the appointed limit are set by a user in a self-defined mode.
5. The method of claim 1, further comprising:
if the communication modes for sending the reminding message are more than two, determining the priority of the more than two communication modes;
determining the communication mode with the highest priority in the more than two communication modes according to the priority;
the sending the wake-up message based on the communication manner includes:
and pushing the reminding message based on the communication mode with the highest priority.
6. The method of claim 5, further comprising:
if the reminding message is not reachable by sending based on the communication mode with the highest priority, determining the priority of the communication modes except the communication mode with the highest priority in the more than two communication modes;
and pushing the reminding message based on the communication mode with the highest priority in the communication modes except the communication mode with the highest priority.
7. The method of claim 5, wherein the determining the priority of the two or more communication modes comprises:
determining attribute information about a communication mode contained in a user dimension and a setting dimension of the account in the multi-dimensional reference information;
and determining the priority of the more than two communication modes according to the attribute information of the communication modes.
8. The method of claim 1, wherein generating a reminder message based on the user behavior comprises:
determining a risk level of an account corresponding to the user behavior;
and generating a reminding message based on the risk level.
9. A push device for an alert message, the device comprising:
the message generating unit is used for generating a reminding message according to the user behavior when the user behavior corresponding to the account is monitored to be abnormal;
the first determining unit is used for determining a communication mode for pushing the reminding message generated by the message generating unit based on the multidimensional reference information of the account where the user behavior is located;
and the message pushing unit is used for pushing the reminding message based on the communication mode determined by the first determining unit.
10. The apparatus of claim 9, further comprising:
the message receiving unit is used for receiving a feedback message generated based on the reminding message pushed by the message pushing unit;
the data analysis unit is used for analyzing response data related to the user behavior from the feedback message received by the message receiving unit;
and the updating unit is used for updating the multi-dimensional reference information according to the response data analyzed by the data analyzing unit.
11. The apparatus of claim 9, wherein the first determining unit comprises:
the first determining subunit is used for determining at least one security attribute contained in each dimension in the multi-dimension reference information of the account where the user behavior is located;
and the second determining subunit is configured to determine, according to the attribute information corresponding to the at least one security attribute determined by the first determining subunit, a communication mode for pushing the reminder message.
12. The apparatus of claim 9, further comprising:
a second determining unit, configured to determine priorities of two or more communication manners if the communication manner determined by the first determining unit for sending the reminder message is two or more;
a third determining unit, configured to determine, according to the priority determined by the second determining unit, a communication method with a highest priority among the two or more communication methods;
the message pushing unit is configured to push the reminding message based on the communication mode with the highest priority determined by the third determining unit.
13. A server, characterized in that the server comprises:
a processor; a memory for storing the processor-executable instructions;
the processor is used for generating a reminding message according to the user behavior when the user behavior corresponding to the account is monitored to be abnormal; determining a communication mode for pushing the reminding message based on the multidimensional reference information of the account where the user behavior is located; and pushing the reminding message based on the communication mode.
CN201710057395.2A 2017-01-26 2017-01-26 Method for pushing, device and the server of reminder message Pending CN108366009A (en)

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CN109769218A (en) * 2018-12-26 2019-05-17 中国银联股份有限公司 A kind of Notice Of Transactions method, apparatus, terminal device and medium
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Application publication date: 20180803