CN109034819A

CN109034819A - The report method and device of transaction

Info

Publication number: CN109034819A
Application number: CN201810644105.9A
Authority: CN
Inventors: 陈夏芸; 王子廷
Original assignee: Alibaba Group Holding Ltd
Current assignee: Alibaba Group Holding Ltd
Priority date: 2018-06-21
Filing date: 2018-06-21
Publication date: 2018-12-18

Abstract

This specification embodiment provides a kind of report method and device of transaction, this method comprises: receiving the report request that report side is sent；Wherein, the bill information of transaction to be reported is carried in report request；According to the bill information of above-mentioned transaction to be reported, the relevant information of transaction to be reported is obtained；Then, the relevant information based on transaction to be reported determines the corresponding report process of exchange to be reported, so that the corresponding report information of exchange to be reported is submitted according to the report process by report side；Wherein, above-mentioned relevant information includes account-related information and/or transaction related information.

Description

The report method and device of transaction

Technical field

This application involves internet area more particularly to a kind of report method and devices of transaction.

Background technique

With the fast development of information technology, Internet technology is widely used in people's lives, work. More and more users start to handle on line business, for example, online transaction etc.；It can be, online payment after user's shopping online； Or completed after doing shopping under user's line, it is paid online；Transfer accounts also alternatively, on user network etc..Online transaction is to user's The convenience that life, work bring great convenience, still, with the extensive use of online transaction, some criminals are started with mutually Networking is swindled.

For the fraudulent act of appearance, on most of softwares traded other than risk prevention system function is set, also set It is equipped with report function, so that user is after completion of transactions, if discovery is spoofed, the report function of the software can also be passed through The transaction is reported in time.But report process in the prior art be all it is machine-made, in some cases can not Meet the actual demand of user.

Therefore, need to propose a kind of report method of transaction, can according to the actual conditions for the transaction that user is reported, to User shows suitable report process, meets the actual demand of user.

Summary of the invention

The purpose of this specification embodiment is to provide a kind of report method and device of transaction, in the act for receiving report side It submits a report asking for after asking, according to the bill information of transaction to be reported, obtains the relevant information of transaction to be reported；Wherein, the relevant information packet Include associated account information and/or pertinent transaction information；Then, it according to the relevant information of acquisition, determines wait report corresponding to transaction Report process so that report side is reported according to above-mentioned report process；In the present embodiment, in the act for receiving report side It submits a report asking for after asking, according to the relevant information of the transaction to be reported got, the determining report process to match with the relevant information, this Sample shows the report process of report side to meet the current actual demand in report side, realizes the practical feelings according to report transaction Condition determines report process, and the experience of user can be improved.

In order to solve the above technical problems, this specification embodiment is achieved in that

This specification embodiment provides a kind of report method of transaction, comprising:

Receive the report request that report side is sent；Wherein, the bill letter of transaction to be reported is carried in the report request Breath；

According to the bill information of the transaction to be reported, the relevant information of the transaction to be reported is obtained；Wherein, the phase Closing information includes: associated account information and/or pertinent transaction information；

Based on the relevant information of the transaction to be reported, the corresponding report process of the exchange to be reported is determined, so that The corresponding report information of the exchange to be reported is submitted according to the report process in the report side.

This specification embodiment additionally provides a kind of report device of transaction, comprising:

Receiving module receives the report request that report side is sent；Wherein, it carries in the report request wait report transaction Bill information；

Module is obtained, according to the bill information of the transaction to be reported, obtains the relevant information of the transaction to be reported；Its In, the relevant information includes: associated account information and/or pertinent transaction information；

Determining module determines the corresponding report of the exchange to be reported based on the relevant information of the transaction to be reported Process, so that the corresponding report information of the exchange to be reported is submitted according to the report process by the report side.

This specification embodiment additionally provides a kind of report equipment of transaction, comprising:

Processor；And

It is arranged to the memory of storage computer executable instructions, the executable instruction makes the place when executed Manage device:

This specification embodiment additionally provides a kind of storage medium, described to hold for storing computer executable instructions Following below scheme is realized in row instruction when executed:

Technical solution in through this embodiment, after the report request for receiving report side, according to transaction to be reported Bill information obtains the relevant information of transaction to be reported；Wherein, which includes associated account information and/or related friendship Easy information；Then, according to the relevant information of acquisition, determine the corresponding report process of exchange to be reported so that report side according to Above-mentioned report process is reported；In the present embodiment, after the report request for receiving report side, according to getting wait lift Report the relevant information of transaction, the determining report process to match with the relevant information, in this way, showing the report process of report side Meet the current actual demand in report side, realizes and determine report process according to the actual conditions of report transaction, user can be improved Experience.

Detailed description of the invention

In order to illustrate more clearly of this specification embodiment or technical solution in the prior art, below will to embodiment or Attached drawing needed to be used in the description of the prior art is briefly described, it should be apparent that, the accompanying drawings in the following description is only Some embodiments as described in this application, for those of ordinary skill in the art, before not making the creative labor property It puts, is also possible to obtain other drawings based on these drawings.

Fig. 1 is the first method flow chart of the report method for the transaction that this specification embodiment provides；

Fig. 2 is a kind of schematic diagram of relevant information in the report method for the transaction that this specification embodiment provides；

Fig. 3 is the second method flow chart of the report method for the transaction that this specification embodiment provides；

Fig. 4 is a kind of idiographic flow schematic diagram of the report method for the transaction that this specification embodiment provides；

Fig. 5 is the module composition schematic diagram of the report device for the transaction that this specification embodiment provides；

Fig. 6 is the structural schematic diagram of the report equipment for the transaction that this specification embodiment provides.

Specific embodiment

In order to make those skilled in the art more fully understand the technical solution in this specification, below in conjunction with this explanation Attached drawing in book embodiment is clearly and completely described the technical solution in this specification embodiment, it is clear that described Embodiment be only this specification a part of the embodiment, instead of all the embodiments.The embodiment of base in this manual, Every other embodiment obtained by those of ordinary skill in the art without making creative efforts, all should belong to The range of this specification protection.

The thought of this specification embodiment is, after receiving the report request that report side is sent, to the exhibition of report side Before showing report process, according to the relevant information for the transaction to be reported that report side reports, it is corresponding that exchange to be reported is somebody's turn to do in determination Report process.In this way, suitable report process, Ke Yiman can be provided to report side according to the truth of transaction to be reported The current actual demand in foot report side, to improve the experience of report side.Based on this thought, this specification embodiment provides one Report method, apparatus, equipment and the storage medium of kind transaction.It is following to be introduced in detail respectively.

Fig. 1 is the first method flow chart of the report method for the transaction that this specification embodiment provides, side shown in FIG. 1 Method includes at least following steps；

Step 102, the report request that report side is sent is received；Wherein, transaction to be reported is carried in report request Bill information.

The report method for the transaction that this specification embodiment provides can be applied to server side, i.e. the execution master of this method Body can be server.Therefore, in above-mentioned steps 102, the report request of report side is received, server is can be and receives report It is requested by the report that terminal device is sent side.

Wherein, above-mentioned terminal device can be the equipment such as mobile phone, tablet computer, computer.

The report method for the transaction that this specification embodiment provides is usually just to execute after trading successfully.

Above-mentioned report side is generally the side to pay the bill in transaction.For example, user A transfers accounts to user B, after the completion of transferring accounts, If user A has found that the money transfer transactions may then be used for fraudulent trading if at this moment user A reports the money transfer transactions Family A is exactly report side；Further for example, barcode scanning is paid, and after the completion of payment after user A buys commodity under line, if with Family A has found that the payment transaction may be fraudulent trading, if at this moment user A reports the payment transaction, then user A is exactly Report side.

Wherein, it is above-mentioned it is mentioned to fraud be generally referred to as user during arm's length dealing, by beneficiary with various Reason allows the wrong understanding of user to be purpose fraud；Report after user recognizes to be spoofed, to cheated transaction progress Behavior is properly termed as fraud report.

Possible fraudulent trading is reported for the ease of user, in general, in the application program traded It is provided with function relevant to " report ", therefore, if after user completes transaction by some application program, if finding the friendship It may be easily fraudulent trading, which can be reported by function relevant to " report " in the application program.

In the specific implementation, report side can send report request to server by following detailed process:

After user A and user B completes transaction by certain application program, if user A has found that the transaction may hand over for fraud Easily, at this moment, user A can open function relevant to " report " in application program, then select exchange to be reported corresponding The report for carrying bill information request is sent to server by bill information.

Specifically, above-mentioned function relevant to " report ", may referred to as " report " function in certain application programs, Function may referred to as " be complained " in certain application programs, alternatively, there can also be other titles in certain application programs.This Specification embodiment is not defined the specific name of above-mentioned function relevant to " report ".

After user A is opened in application program to " report " relevant function, shows and be provided with account in the interface of user Single-row table, user A can select the corresponding bill of exchange for needing to report in the bill list.

Wherein, for obstructed business, specifying information content included in above-mentioned bill information may be had differences. But regardless of which kind of business be directed to, in above-mentioned bill information, generally can all carry the account identification of beneficiary, transaction amount, The contents such as exchange hour, order number.

The account identification of above-mentioned beneficiary can be name on account or account of beneficiary etc..

Certainly, it in this specification embodiment, in the report request that report side is sent, can only carry wait report transaction Bill information；Alternatively, other information can also be carried in addition to the bill information for carrying transaction to be reported.This specification is implemented Example is not defined specifying information entrained in report request.

Step 104, according to the bill information of above-mentioned transaction to be reported, the relevant information of transaction to be reported is obtained；Wherein, on Stating relevant information includes: associated account information and/or pertinent transaction information.

After server receives the report request that report side sends, according to the bill information carried in report request, Obtain the relevant information of transaction to be reported.

Specifically, in above-mentioned steps 104 transaction to be reported can be obtained from the corresponding storing data of the application program Relevant information.

For example, if above-mentioned transaction to be reported is completed by Alipay, therefore, when server receives report side's hair After the report request sent, the related letter of transaction to be reported is searched corresponding to the Alipay that can store from it in storing data Breath.

Specifically, above-mentioned relevant information includes: associated account information and/or relationship trading in this specification embodiment Information can specifically include following three kinds of situations:

1), above-mentioned relevant information only includes associated account information；

2), above-mentioned relevant information only includes pertinent transaction information；

3), above-mentioned relevant information includes simultaneously associated account information and pertinent transaction information.

Preferably, in a specific embodiment, above-mentioned relevant information includes associated account information and related friendship simultaneously Easy information, in this way, the available information to wait report transaction more various dimensions, so that the report process determined more meets The actual conditions of transaction to be reported.

Certainly, in this specification embodiment, above-mentioned relevant information is in addition to including associated account information and/or relationship trading It can also include other information except information, this specification embodiment will not enumerate.

Specifically, above-mentioned associated account information may include at least one in following information:

Report side's account information, beneficiary account information；

Above-mentioned pertinent transaction information may include at least one in following information:

Transaction amount, trading activity feature, transaction geographical location information.

Wherein, above-mentioned associated account information may include the side's of report account information, one in beneficiary account information the two Kind or two kinds；Above-mentioned pertinent transaction information may include the geographical location information of transaction amount, trading activity feature and transaction One of three, two kinds or three kinds.

Preferably, in this specification embodiment, in order to enable the reality of the report process determined and transaction to be reported Situation more meets, and above-mentioned associated account information includes the side's of report account information and beneficiary account information simultaneously, in this way, and can be with Obtain the relevant information more safeguarded.

Wherein, above-mentioned trading activity feature can be the concrete type of transaction or the business scenario of transaction, such as under line Barcode scanning payment is transferred accounts to paying on bank card, line, transfer accounts to other accounts etc..

The geographical location information of above-mentioned transaction can be geographical location information when transaction occurs where report side.In this theory In bright book embodiment, the geographical location information by obtaining transaction may determine that whether report side carries out in common geographical location Transaction.

Specifically, above-mentioned beneficiary account information may include at least one in following information:

Beneficiary account is complained information, beneficiary account is punished information, beneficiary by report information, beneficiary account The registration information of account, the exchange hour of beneficiary account the last time；

Above-mentioned report side's account information may include at least one in following information:

The registration information of report side's account, the fund information of report side's account, report side's account frequency of use are highestly Manage location information.

In this specification embodiment, above-mentioned beneficiary account information may include that beneficiary account is complained information, receives Money side's account is punished information, the registration information of beneficiary account and beneficiary account most by report information, beneficiary account One or more of information such as nearly primary exchange hour；Certainly, above-mentioned beneficiary information is in addition to above-mentioned five enumerated kind It can also include other information except information, this specification embodiment will not enumerate.

It should be noted that above-mentioned beneficiary account be complained information may include the complained number of beneficiary account, Complained frequency, every time complained reason, every time complained whether successfully etc. information；Above-mentioned beneficiary account is by offence reporting letter Breath may include the beneficiary account number reported, the frequency reported, the reason of being reported every time, reported every time whether The information such as success；Above-mentioned beneficiary account be punished frequency that information can be number that beneficiary account is punished, is punished, The information such as the particular content being punished every time and each the reason of being punished；The registration information of above-mentioned beneficiary account can be Registion time, registered address, enrollment status information of beneficiary account etc..

In addition, can determine that beneficiary account is nearest above by the exchange hour for obtaining beneficiary account the last time Primary transaction is apart from current time span, so as to learn how long beneficiary account had not carried out friendship Easily to get the liveness for knowing beneficiary account.

Specifically, the registration information of above-mentioned report side's account may include time, registered address and the note of Account Registration The information such as volume identity；The fund information of report side's account may include the letters such as the account balance of the side's of report account, transaction total amount Breath；The above-mentioned highest geographical location information of report side's account frequency of use can refer to the common geographical location letter of report side's account Breath.

Therefore, in a specific embodiment, the relevant information of above-mentioned transaction to be reported at least may include believing as follows Breath: registration information (report side and beneficiary), fund information (report side and beneficiary), geographical location information (report side's account Frequency of use is highest), complained information (beneficiary), by report information (beneficiary), information of being punished (beneficiary), recently Primary exchange hour (beneficiary), transaction amount (wait report transaction), trading activity feature (wait report transaction) and transaction Geographical location information.Therefore, a kind of schematic diagram of the relevant information of above-mentioned transaction to be reported is as shown in Figure 2.Certainly, Fig. 2 It is the relevant information for listing one of possible transaction to be reported, in addition to this, the relevant information of transaction to be reported may be used also To include other information or for the combination of wherein several information and other information.Situation shown in Fig. 2 does not constitute and treats report The restriction of the relevant information of transaction.

Certainly, in the specific implementation, the relevant information of above-mentioned acquisition can also include the report number of report side, lift every time The corresponding report result etc. of report.By these information, whether malice report etc. can be carried out with assistant analysis report side.

In this specification embodiment, by obtain report side's account dimensional information, beneficiary account dimensional information and Transaction dimension relevant information, i.e., obtain the relevant information of transaction to be reported from many aspects, in this way, making the report stream determined Journey more meets the actual conditions of transaction to be reported, more meets the current actual demand in report side, to further increase user's Usage experience.

In another specific embodiment, if user A trades with user B, but after the completion of trading, user A has found that the transaction may be fraudulent trading, to report the transaction；In this case, user A can directly by with user B The application program traded reports the transaction；In addition to this, if out of power or nothing occurs in the terminal device of user A When the emergency situations such as method networking, the account that the terminal device logs oneself of the third party (user C) can be used in user A is lifted Report.

Step 106, the relevant information based on above-mentioned transaction to be reported determines the corresponding report process of exchange to be reported, So that the corresponding report information of above-mentioned exchange to be reported is submitted according to report process by report side.

Wherein, above-mentioned report process can be each operating procedure of required execution when user reports.In this theory In bright book embodiment, different transaction to be reported may correspond to different report processes.

Specifically, based on the relevant information of transaction to be reported, being determined wait report corresponding to transaction in above-mentioned steps 106 Report process when, according to the report process Selection Strategy pre-established, can be determined according to the relevant information of transaction to be reported The corresponding report process of exchange to be reported.

In a specific embodiment, a variety of different report process Selection Strategies can be preset, determine to Before reporting the corresponding report process of exchange, need first to determine the corresponding report process Selection Strategy of exchange to be reported, so Afterwards, the corresponding report process of exchange to be reported is determined according still further to the strategy of selection.Therefore, in above-mentioned steps 106, based on to It reports the relevant information of transaction, determines the corresponding report process of exchange to be reported, specifically comprise the following steps one and step 2；

Step 1: determining the corresponding report process Selection Strategy of exchange to be reported；

Step 2: according to the relevant information of above-mentioned transaction to be reported and the report process Selection Strategy of determination, determine to Report the corresponding report process of exchange.

Since user can trade under a variety of different business scenarios, for example, it may be barcode scanning payment, online turn Payment etc. in account, line.For different business scenarios, possible transaction application program itself there are some different restrictive conditions, Therefore judge the transaction whether fraudulent trading standard it is different.Therefore, in a specific embodiment of this specification, preparatory When formulating report process Selection Strategy, different report process Selection Strategies can be formulated for different business scenarios.

For example, pre-set report process Selection Strategy can choose plan for the report process based on Transaction Disputes class Summary, the report process Selection Strategy based on beneficiary low-risk, the report process Selection Strategy based on transaction high risk, based on more Report process Selection Strategy of secondary report etc..

In a specific embodiment, in above-mentioned steps one, determine that the corresponding report process of exchange to be reported is chosen Strategy specifically includes following process:

It determines wait report business scenario belonging to transaction；Above-mentioned industry is chosen from the report process Selection Strategy pre-established Report process Selection Strategy corresponding to scene of being engaged in；The report process Selection Strategy of selection is determined as wait report corresponding to transaction Report process Selection Strategy.

Specifically, can be determined according to the bill information of transaction to be reported wait report business scenario belonging to transaction.Having When body is implemented, the keyword of characterization trading activity feature, such as " transferring accounts ", " consumption " can be extracted from above-mentioned bill information Deng；Then it according to the mapping relations between the keyword and pre-set keyword and business scenario extracted, determines Wait report business scenario belonging to transaction.

In this specification embodiment, a variety of report process Selection Strategies can be preset, every kind of report process is chosen Strategy can correspond to one or more kinds of specific business scenarios.It is previously stored with each report process Selection Strategy and specific industry The mapping relations for scene of being engaged in.

In this way, when determining then to choose the business scenario and report process after reporting business scenario belonging to transaction Tactful each business scenario with the mapping relations of specific business scenario is matched, by with wait report transaction belonging to business Report process Selection Strategy corresponding to the business scenario that scene matches is determined as the corresponding report of above-mentioned exchange to be reported Process Selection Strategy.

Specifically, in this specification embodiment, in above-mentioned steps two, according to the relevant information of transaction to be reported and really Fixed report process Selection Strategy determines the corresponding report process of exchange to be reported, specifically comprises the following steps (1), step (2) and step (3)；

Step (1), the report process Selection Strategy based on above-mentioned determination, the relevant information for treating report transaction are divided Analysis obtains analysis result；

Step (2) if, above-mentioned analysis result indicate that the degree of risk of above-mentioned transaction to be reported reaches setting grade or receipts The risk class of money side reaches setting grade, it is determined that above-mentioned to hand over using the first report process report is above-mentioned wait report wait the side of report Easily；

Step (3) if, above-mentioned analysis result indicate above-mentioned transaction to be reported degree of risk not up to set grade and The risk class of beneficiary not up to sets grade, and the liveness of beneficiary and the transaction amount of transaction to be reported satisfaction are set Fixed condition, it is determined that reported using the second report process above-mentioned wait report transaction in report side.

Specifically, in above-mentioned steps, as long as determining that the degree of risk of transaction to be reported is higher or beneficiary account The risk class at family is higher, any one in the two, so that it may determine that report side is reported using the first report process wait report Transaction.

Wherein, what the liveness that the setting condition in above-mentioned steps (3) can be beneficiary was not up to set enlivens grade, And the transaction amount of transaction to be reported is in set interval.

In this specification embodiment, if analysis result is unsatisfactory for two kinds of feelings listed by above-mentioned steps (2) and step (3) At this moment condition then determines that report side is reported using third report process wait report transaction, wherein so-called third reports that process is then Conventional report process.

Specifically, above-mentioned first report process is the report process based on user experience, above-mentioned second report process is base In the report process of report quality.

The so-called report process based on report quality, can be that operating procedure is relatively more, user is needed to submit more letter The report process of breath.In general, when wait report transaction degree of risk or beneficiary risk class it is lower when, at this moment, be The generation for the case where improving the quality of report data, reducing malice report or invalid report can be supplied to user and be based on lifting Report the report process of quality.

The so-called report process based on user experience can be report process CIMS and simply, only user be needed simply to mention Hand over the report process of some information.In general, when transaction to be reported degree of risk or beneficiary account risk class compared with Gao Shi can be supplied to report process of the user based on user experience, only to meet user's phychology anxious in cheated situation Needing user simply to fill in some information can be completed report.

So-called conventional report process is exactly between the report process based on user experience and the report stream based on report quality Report process between journey.It can be conventional report process currently in use at this stage.

In this specification embodiment, by analyzing the relevant information of the transaction to be reported got, choose with The report process that the analysis result matches, in this way, selected report process is met wait report current situation of trading, On the basis of improving user experience, the generation for the case where malice is reported can also be reduced.

In a specific embodiment, the first report process and second are provided in each report process Selection Strategy The value range for reporting each information corresponding to process believes the correlation when getting after reporting the relevant information of transaction The value of various information is matched with the value range of each information in report process Selection Strategy in breath, that is, can determine that The corresponding report process of exchange to be reported.

For example, in a specific embodiment, the first report process being arranged in some report process Selection Strategy The value range of various information corresponding to Selection Strategy is as follows:

The number that the number that beneficiary account is reported is greater than n times, beneficiary account is punished is greater than M times, transaction amount Greater than P member.

When getting after reporting the relevant information of transaction, and determine the corresponding report process selection of exchange to be reported Tactful time after above-mentioned report process Selection Strategy, then to be reported the beneficiary account in the relevant information of transaction to be reported The number and transaction amount that number, beneficiary account are punished are right with the above- mentioned information institute in the report process Selection Strategy respectively The value range answered is matched, if the value of above- mentioned information within the above range, then can determine beneficiary account Risk class reaches setting grade, at this moment can determine that the corresponding report process of exchange to be reported is that the first report process is chosen Strategy.

Certainly, above-mentioned only to describe a kind of possible strategy in report process Selection Strategy by taking the first report process as an example Form.Certainly, strategy corresponding to above-mentioned first report process is not limited to number, the beneficiary that beneficiary account is reported Three kinds of information of number and transaction amount that account is punished, also, the value range of above-mentioned each information can also be other Range can be specifically configured according to practical application scene, herein, only exemplary illustration.

Above-mentioned determination exchange to be reported provided by this specification embodiment corresponding report process for ease of understanding Detailed process, it is following to be illustrated citing.

For example, in a specific embodiment, user A is transferred accounts S member by Alipay to user B, user A complete to User B transfers accounts after this transaction, and user A thinks that the transaction may be fraudulent trading.Also, user A passes through on Alipay and " lifts The relevant function of report " reports this transaction.It is asked when server receives user A by the report that terminal device is sent After asking, the relevant information of the transaction is searched in the database corresponding to Alipay.Specifically, the relevant information may include using Account information, the account information of user B and the relevant information of the transaction of family A.Then, the business field according to belonging to the transaction Scape (transferring accounts) determines the corresponding report process Selection Strategy of the exchange.If relevant information to be transacted, such as user's B quilt The number of report, this time amount of money of transaction etc., if the first report process in above-mentioned relevant information and report process Selection Strategy Corresponding strategy matches, it is determined that this time the degree of risk of transaction is higher, at this moment, determines that user A is used based on user's body The report process tested reports the transaction.

Further for example, in another embodiment, Alipay judge user B for high-risk swindle user, when user A to When family B transfers accounts, it is based on risk judgment, Alipay may will fail the transaction that user A transfers accounts to user B, be simultaneously emitted by user B and deposit In the prompt of high risk.If user A adheres to executing the operation transferred accounts to user B, it is paid for after treasured continues failure several times, Alipay will limit the behavior that user A transfers accounts to user B, and (for example, it may be in setting time length, user A is used without normal direction Family B transfers accounts).But more than after the setting time length, if user A transfers accounts to user B again, at this moment, user A can It is transferred accounts with success to user B.In this case, if user A is completed after the transferring accounts of user B, user A has found the friendship of transferring accounts It easily may be fraudulent trading, at this moment, if user A reports the transaction by function relevant to " report " on Alipay, After server receives the transaction request of user A transmission, due to having confirmed that user B is swindle user, Ke Yizhi It meets determining user A and reports the transaction using the first report process, that is, the report process based on user experience is used to report the transaction.

Further for example, user A is transferred accounts by Alipay to certain bank card in another specific embodiment, After the completion of transferring accounts, user A think the money transfer transactions may for fraudulent trading, at this moment, can by Alipay with " report " phase The function of pass reports the money transfer transactions.After server, which receives user A, is requested by the report that terminal device is sent, The relevant information of the money transfer transactions is obtained, if in the relevant information of the money transfer transactions, bank card is newly added bank card, simultaneously And the bank card account did not carried out the amount of money of transaction, this time transaction in set interval in setting time degree, at this moment, by It is less in the information understood beneficiary account, at this moment, occurs the case where malice is reported in order to reduce and obtain some receipts more The relevant information of money side's account determines that user A should using the second report process report convenient for the subsequent judgement for carrying out fraudulent trading Money transfer transactions.

It is then the value model by the way that each information is arranged in report process Selection Strategy in the above-mentioned embodiment provided It encloses, then by the determining report side's report of the matched mode of the value range of the relevant information of transaction to be reported and each information progress Process is reported used in transaction wait report.

In addition to this, in this specification embodiment, the weight of each relevant information can also be set, weight computing is passed through Mode calculate the corresponding end value of exchange to be reported, then by the end value with first report process, second report flow Default result value value range corresponding to journey is compared, that is, can determine that the corresponding report process of exchange to be reported.

It should be noted that being directed to different business scenarios, the weight of each relevant information may be different, i.e., for every Kind business scenario, determines report process Selection Strategy corresponding with the business scenario, is arranged in the report process Selection Strategy There are the weight and specific computation model of each relevant information to match with the business scenario.

In this specification embodiment, when determining after reporting exchange's corresponding report process, then according to the report Process shows each operating procedure to report side, to guide report side to carry out filling in for report information according to the operating procedure, from And complete report.

After report side has submitted filled in report information by terminal device, server obtains the report information, and Judged according to the report information wait report whether transaction is fraudulent trading.Therefore, when server gets the act that report side is submitted It notifies after breath, it is also necessary to execute following steps:

Judged according to the report information that report side is submitted wait report whether transaction belongs to fraudulent trading；If so, to gathering Square account executes setting operation；Otherwise, judging result is fed back into report side.

Wherein, above-mentioned setting operation refers to some punishment operation carried out to beneficiary account.For example, it may be limitation Beneficiary account carries out payment funding, limitation beneficiary account fund flows into, limitation beneficiary account logs in etc..

In the specific implementation, when judging when reporting that transaction belongs to fraudulent trading, which can be given to place Center is penalized, punishment operation is executed to beneficiary account by punishment center.

Specifically, above-mentioned judge to pass through wait report whether transaction belongs to the detailed process of fraudulent trading according to report information Already existing judgment method is realized in the prior art, and specific deterministic process can refer to deterministic process in the prior art, herein It repeats no more.

In this specification embodiment, the report information that report side is submitted can be obtained in real time, improved and treated report friendship Easily whether the judging efficiency of fraudulent trading, promoted to the slugging average of fraudster, fraud can be effectively prevented, and this carries out secondary fraud.

The report method traded provided by this specification embodiment for ease of understanding, it is following will be by user A to user B For transferring accounts, the method that this specification embodiment provides is introduced.

In a specific embodiment, user A is transferred accounts by Alipay to user B, and after the completion of transferring accounts, and is used Family A has found that the money transfer transactions may be fraudulent trading.At this moment, user A is using function relevant to " report " on Alipay to this Money transfer transactions are reported；Specifically, function relevant to " report " referred to as " is complained " in Alipay.Fig. 3 shows this The second method flow chart of the report method for the transaction that specification embodiment provides, method shown in Fig. 3 include at least as follows Step:

Step 302, terminal device sends report request to server；Wherein, it carries in report request and turns wait report The bill information of account transaction.

Specifically, in step 302, user A can open " complaint " function of Alipay by terminal device, then select The bill information for needing the money transfer transactions reported is selected, clicks " transmission " or " submission " button, so that it may be sent to server.

Wherein, the money transfer transactions that the needs of user's selection are reported become wait report transaction.

Step 304, the report request that server receiving terminal equipment is sent.

Step 306, server obtains the bill information in report request, and according to the bill information in branch Alipay pair The relevant information of money transfer transactions to be reported is searched in the data answered.

Wherein, above-mentioned relevant information may include associated account information and/or pertinent transaction information.

Step 308, server is determined wait report report process Selection Strategy corresponding to money transfer transactions.

Specifically, in step 308, server can first be determined wait report business scenario belonging to money transfer transactions, at this In embodiment, money transfer transactions to be reported belong to transferred account service scene.

Then it from the mapping relations of the business scenario and report process Selection Strategy that pre-establish, searches and transfers accounts wait report Transaction belonging to business scenario corresponding to report process Selection Strategy, by the report process Selection Strategy found be determined as to Report business scenario belonging to money transfer transactions.

Step 310, based on selected report process Selection Strategy, the relevant information for treating report transaction carries out server Analysis obtains analysis result.

Step 312, based on the analysis results, determine user A report to report process used in money transfer transactions.

Wherein, the report process of above-mentioned determination can for based on report quality report process, based on the act of user experience Report process or any one conventional reported in process.

Step 314, the operating procedure page is sent to terminal device according to above-mentioned report process, so that user A is according to operation The displaying of the step page is operated.

Step 316, it obtains user A and passes through the report information that terminal device is submitted.

Step 318, according to above-mentioned report information, judge whether money transfer transactions to be reported are fraudulent trading；If so, executing Step 320；Otherwise, step 322 is executed.

Step 320, punishment operation is executed to account B.

Step 322, it will judge that structural feedback gives user A.

Wherein, in Fig. 3 corresponding embodiment the specific implementation process of each step with it is each in embodiment corresponding to Fig. 1, Fig. 2 The specific implementation process of step is identical, and therefore, the specific implementation process of each step can refer to Fig. 1, figure in Fig. 3 corresponding embodiment Embodiment corresponding to 2, details are not described herein again.

Fig. 4 is a kind of idiographic flow schematic diagram of the report method for the transaction that this specification embodiment provides, shown in Fig. 4 In situation, when user is after completing a certain transaction, if thinking that this transaction may be fraudulent trading.At this moment, friendship can be passed through Function relevant to " report " is reported in application program used in easily.

Specifically, user can enter report interface by displaying " fraudulent trading entrance " on the terminal device, then, Selection needs the bill reported in the bill list of the showing interface.It, can be by clicking the boundary after the completion of bill selection The report for carrying bill information request is sent to clothes by " transmission ", " submission " or the buttons such as " report ", " complaint " on face Business device.

" the wind in risk system after server receives the report request of terminal device transmission, in trigger the server Dangerous consultation module " obtains the relevant information of transaction to be reported from Alipay data, and is determined according to the relevant information wait report The corresponding report process of exchange.Specifically, the report process includes report process based on report quality, based on user experience Report process and conventional report process.

When " risk consultation module " is determined after reporting exchange's corresponding report process, then according to the report stream of response Journey shows operation interface on the terminal device, so that user operates according to the operation interface, for example, identity information is adopted Collection, input of relevant information etc..

After server receives the report information of user's submission, by " the trial platform " on server according to the offence reporting letter Breath is treated report transaction and is tried, to verify wait report whether transaction is fraudulent trading；" if trial platform " determine to Report transaction belongs to fraudulent trading, at this moment, then by " beneficiary that punishment " center " treats in report transaction executes punishment operation；If It is that " trial platform " determines that transaction to be reported is not belonging to fraudulent trading, then the result is fed back into user by " feedback module ".

This specification embodiment provide transaction report method, receive report side report request after, according to The bill information for reporting transaction, obtains the relevant information of transaction to be reported；Wherein, which includes associated account information And/or pertinent transaction information；Then, according to the relevant information of acquisition, the corresponding report process of exchange to be reported is determined, so that It is reported according to above-mentioned report process report side；In the present embodiment, after the report request for receiving report side, according to obtaining The relevant information for the transaction to be reported got, the determining report process to match with the relevant information, in this way, showing report side Report process meet the current actual demand in report side, realize and report process according to the actual conditions of report transaction are determining, The experience of user can be improved.

Corresponding to the report method of above-mentioned transaction, it is based on identical thinking, this specification embodiment additionally provides a kind of friendship Easy report device, the report method of the transaction for executing the offer of this specification embodiment, Fig. 5 are that this specification embodiment mentions The module composition schematic diagram of the report device of the transaction of confession, device shown in fig. 5 include at least:

Receiving module 501, the report request sent for receiving report side；Wherein, it carries in report request wait lift Report the bill information of transaction；

Module 502 is obtained, for the bill information according to above-mentioned transaction to be reported, obtains the related letter of transaction to be reported Breath；Wherein, which includes: associated account information and/or pertinent transaction information；

Determining module 503 determines above-mentioned wait report corresponding to transaction for the relevant information based on above-mentioned transaction to be reported Report process so that the corresponding report information of exchange to be reported is submitted according to above-mentioned report process by report side.

Optionally, above-mentioned associated account information includes at least one in following information:

Report side's account information, beneficiary account information；

Above-mentioned pertinent transaction information includes at least one in following information:

Optionally, above-mentioned beneficiary account information includes at least one in following information:

Above-mentioned report side's account information includes at least one in following information:

Optionally, above-mentioned determining module 503, comprising:

First determination unit, for determining the corresponding report process Selection Strategy of exchange to be reported；

Second determination unit, for according to the relevant information of transaction to be reported and the report process Selection Strategy of determination, Determine the corresponding report process of exchange to be reported.

Optionally, above-mentioned first determination unit, is specifically used for:

Optionally, above-mentioned second determination unit, is specifically used for:

Based on determining report process Selection Strategy, the relevant information for treating report transaction is analyzed, and obtains analysis knot Fruit；If above-mentioned analysis result indicates that the degree of risk of transaction to be reported reaches setting grade or the risk class of beneficiary reaches Set grade, it is determined that report using the first report process wait report transaction report side；If analysis result is indicated wait report transaction Risk program be not up to and set the risk class of grade and beneficiary and not up to set grade, and the liveness of beneficiary with And the transaction amount of transaction to be reported meets setting condition, it is determined that is reported using the second report process and is handed over wait report in report side Easily.

Optionally, above-mentioned first report process is the report process based on user experience；Above-mentioned second report process is base In the report process of report quality.

Optionally, the device that this specification embodiment provides, further includes:

Judgment module, the report information for being submitted according to report side judge wait report whether transaction belongs to fraudulent trading；

Execution module executes beneficiary account if judging that transaction to be reported belongs to fraudulent trading for judgment module Setting operation；

Feedback module, it is if judging that above-mentioned transaction to be reported is not belonging to fraudulent trading for judgment module, judging result is anti- It feeds the side of report.

This specification embodiment provide transaction report device, receive report side report request after, according to The bill information for reporting transaction, obtains the relevant information of transaction to be reported；Wherein, which includes associated account information And/or pertinent transaction information；Then, according to the relevant information of acquisition, the corresponding report process of exchange to be reported is determined, so that It is reported according to above-mentioned report process report side；In the present embodiment, after the report request for receiving report side, according to obtaining The relevant information for the transaction to be reported got, the determining report process to match with the relevant information, in this way, showing report side Report process meet the current actual demand in report side, realize and report process according to the actual conditions of report transaction are determining, The experience of user can be improved.

Further, based on method shown in above-mentioned Fig. 1 to Fig. 4, this specification embodiment additionally provides a kind of transaction Report equipment, as shown in Figure 6.

The report equipment of transaction can generate bigger difference because configuration or performance are different, may include one or one Above processor 601 and memory 602, can store in memory 602 one or more storage application programs or Data.Wherein, memory 602 can be of short duration storage or persistent storage.The application program for being stored in memory 602 may include One or more modules (diagram is not shown), each module may include the series of computation in the report equipment to transaction Machine executable instruction.Further, processor 601 can be set to communicate with memory 602, in the report equipment of transaction Execute the series of computation machine executable instruction in memory 602.The report equipment of transaction can also include one or one with Upper power supply 603, one or more wired or wireless network interfaces 604, one or more input/output interfaces 605, One or more keyboards 606 etc..

In a specific embodiment, the report equipment of transaction includes memory and one or more Program, perhaps more than one program is stored in memory and one or more than one program may include one for one of them A or more than one module, and to may include that series of computation machine in report equipment to transaction is executable refer to each module Enable, and be configured to be executed this by one or more than one processor or more than one program include for carry out with Lower computer executable instructions:

Receive the report request that report side is sent；Wherein, the bill information of transaction to be reported is carried in report request；

According to the bill information of transaction to be reported, the relevant information of transaction to be reported is obtained；Wherein, the relevant information packet It includes: associated account information and/or pertinent transaction information；

Based on the relevant information of transaction to be reported, the corresponding report process of exchange to be reported is determined, so that report side is pressed The corresponding report process of exchange to be reported is submitted according to the report process.

Optionally, computer executable instructions when executed, above-mentioned associated account information include in following information extremely One item missing:

Report side's account information, beneficiary account information；

Above-mentioned transaction related information includes at least one in following information:

Optionally, computer executable instructions when executed, beneficiary account information include in following information at least One:

Report side's account information includes at least one in following information:

Optionally, computer executable instructions when executed, based on the relevant information of transaction to be reported, are determined wait report The corresponding report process of exchange, comprising:

Determine the corresponding report process Selection Strategy of exchange to be reported；

According to the relevant information of transaction to be reported and the report process Selection Strategy of determination, exchange pair to be reported is determined The report process answered.

Optionally, computer executable instructions when executed, determine that the corresponding report process of exchange to be reported is chosen Strategy, comprising:

It determines wait report business scenario belonging to transaction；

Report process Selection Strategy corresponding to business scenario is chosen from the report process Selection Strategy pre-established；

The report process Selection Strategy of selection is determined as the corresponding report process Selection Strategy of exchange to be reported.

Optionally, computer executable instructions when executed, according to the relevant information of transaction to be reported and determination It reports process Selection Strategy, determines the corresponding report process of exchange to be reported, comprising:

Based on determining report process Selection Strategy, the relevant information for treating report transaction is analyzed, and obtains analysis knot Fruit；

If above-mentioned analysis result indicates that the risk program of transaction to be reported reaches setting grade or the risk of beneficiary etc. Grade reaches setting grade, it is determined that is reported using the first report process wait report transaction report side；

If above-mentioned analysis result indicates that the risk program of transaction to be reported is not up to the risk for setting grade and beneficiary Grade not up to sets grade, and the liveness of beneficiary account and the transaction amount of transaction to be reported meet setting condition, Then determine that report side is reported using the second report process wait report transaction.

Optionally, when executed, the first report process is the report stream based on user experience to computer executable instructions Journey, the second report process is the report process based on report quality.

Optionally, computer executable instructions when executed, based on the relevant information of transaction to be reported, are determined wait report After the corresponding report process of exchange, further includes:

Judged according to the report information that report side is submitted wait report whether transaction belongs to fraudulent trading；

If so, executing setting operation to beneficiary account；Otherwise, judging result is fed back into report side.

This specification embodiment provide transaction report equipment, receive report side report request after, according to The bill information for reporting transaction, obtains the relevant information of transaction to be reported；Wherein, which includes associated account information And/or pertinent transaction information；Then, according to the relevant information of acquisition, the corresponding report process of exchange to be reported is determined, so that It is reported according to above-mentioned report process report side；In the present embodiment, after the report request for receiving report side, according to obtaining The relevant information for the transaction to be reported got, the determining report process to match with the relevant information, in this way, showing report side Report process meet the current actual demand in report side, realize and report process according to the actual conditions of report transaction are determining, The experience of user can be improved.

Further, based on method shown in above-mentioned Fig. 1 to Fig. 4, this specification embodiment additionally provides a kind of storage Jie Matter, for storing computer executable instructions, in a kind of specific embodiment, which can be USB flash disk, CD, hard disk Computer executable instructions Deng the storage of, the storage medium are able to achieve following below scheme when being executed by processor:

Optionally, the computer executable instructions of storage medium storage are when being executed by processor, above-mentioned related account Information includes at least one in following information:

Report side's account information, beneficiary account information；

Optionally, the computer executable instructions of storage medium storage are when being executed by processor, beneficiary account letter Breath includes at least one in following information:

Optionally, the computer executable instructions of storage medium storage are when being executed by processor, based on wait report friendship Easy relevant information determines the corresponding report process of exchange to be reported, comprising:

Optionally, the computer executable instructions of storage medium storage are determined and are handed over wait report when being executed by processor Easily corresponding report process Selection Strategy, comprising:

It determines wait report business scenario belonging to transaction；

Optionally, the computer executable instructions of storage medium storage are handed over when being executed by processor according to wait report The report process Selection Strategy of easy relevant information and determination determines the corresponding report process of exchange to be reported, comprising:

Optionally, the computer executable instructions of storage medium storage are when being executed by processor, the first report process For the report process based on user experience, the second report process is the report process based on report quality.

Optionally, the computer executable instructions of storage medium storage are when being executed by processor, based on wait report friendship Easy relevant information, after determining the corresponding report process of exchange to be reported, further includes:

This specification embodiment provide storage medium storage computer executable instructions when being executed by processor, After the report request for receiving report side, according to the bill information of transaction to be reported, the relevant information of transaction to be reported is obtained；Its In, which includes associated account information and/or pertinent transaction information；Then, according to the relevant information of acquisition, determine to The corresponding report process of exchange is reported, so that report side is reported according to above-mentioned report process；In the present embodiment, it is connecing After the report request for receiving report side, according to the relevant information of the transaction to be reported got, determination and the relevant information phase The report process matched realizes in this way, the report process of report side is showed to meet the current actual demand in report side according to act The actual conditions of report transaction determine report process, and the experience of user can be improved.

In the 1990s, the improvement of a technology can be distinguished clearly be on hardware improvement (for example, Improvement to circuit structures such as diode, transistor, switches) or software on improvement (improvement for method flow).So And with the development of technology, the improvement of current many method flows can be considered as directly improving for hardware circuit. Designer nearly all obtains corresponding hardware circuit by the way that improved method flow to be programmed into hardware circuit.Cause This, it cannot be said that the improvement of a method flow cannot be realized with hardware entities module.For example, programmable logic device (Programmable Logic Device, PLD) (such as field programmable gate array (Field Programmable Gate Array, FPGA)) it is exactly such a integrated circuit, logic function determines device programming by user.By designer Voluntarily programming comes a digital display circuit " integrated " on a piece of PLD, designs and makes without asking chip maker Dedicated IC chip.Moreover, nowadays, substitution manually makes IC chip, this programming is also used instead mostly " is patrolled Volume compiler (logic compiler) " software realizes that software compiler used is similar when it writes with program development, And the source code before compiling also write by handy specific programming language, this is referred to as hardware description language (Hardware Description Language, HDL), and HDL is also not only a kind of, but there are many kind, such as ABEL (Advanced Boolean Expression Language)、AHDL(Altera Hardware Description Language)、Confluence、CUPL(Cornell University Programming Language)、HDCal、JHDL (Java Hardware Description Language)、Lava、Lola、MyHDL、PALASM、RHDL(Ruby Hardware Description Language) etc., VHDL (Very-High-Speed is most generally used at present Integrated Circuit Hardware Description Language) and Verilog.Those skilled in the art also answer This understands, it is only necessary to method flow slightly programming in logic and is programmed into integrated circuit with above-mentioned several hardware description languages, The hardware circuit for realizing the logical method process can be readily available.

Controller can be implemented in any suitable manner, for example, controller can take such as microprocessor or processing The computer for the computer readable program code (such as software or firmware) that device and storage can be executed by (micro-) processor can Read medium, logic gate, switch, specific integrated circuit (Application Specific Integrated Circuit, ASIC), the form of programmable logic controller (PLC) and insertion microcontroller, the example of controller includes but is not limited to following microcontroller Device: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20 and Silicone Labs C8051F320 are deposited Memory controller is also implemented as a part of the control logic of memory.It is also known in the art that in addition to Pure computer readable program code mode is realized other than controller, can be made completely by the way that method and step is carried out programming in logic Controller is obtained to come in fact in the form of logic gate, switch, specific integrated circuit, programmable logic controller (PLC) and insertion microcontroller etc. Existing identical function.Therefore this controller is considered a kind of hardware component, and to including for realizing various in it The device of function can also be considered as the structure in hardware component.Or even, it can will be regarded for realizing the device of various functions For either the software module of implementation method can be the structure in hardware component again.

System, device, module or the unit that above-described embodiment illustrates can specifically realize by computer chip or entity, Or it is realized by the product with certain function.It is a kind of typically to realize that equipment is computer.Specifically, computer for example may be used Think personal computer, laptop computer, cellular phone, camera phone, smart phone, personal digital assistant, media play It is any in device, navigation equipment, electronic mail equipment, game console, tablet computer, wearable device or these equipment The combination of equipment.

For convenience of description, it is divided into various units when description apparatus above with function to describe respectively.Certainly, implementing this The function of each unit can be realized in the same or multiple software and or hardware when application.

It should be understood by those skilled in the art that, embodiments herein can provide as method, system or computer program Product.Therefore, complete hardware embodiment, complete software embodiment or reality combining software and hardware aspects can be used in the application Apply the form of example.Moreover, it wherein includes the computer of computer usable program code that the application, which can be used in one or more, The computer program implemented in usable storage medium (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.) produces The form of product.

The application is reference according to the method for this specification embodiment, the stream of equipment (system) and computer program product Journey figure and/or block diagram describe.It should be understood that can be realized by computer program instructions each in flowchart and/or the block diagram The combination of process and/or box in process and/or box and flowchart and/or the block diagram.It can provide these computer journeys Sequence instruct to general purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices processor with A machine is generated, so that the instruction generation executed by computer or the processor of other programmable data processing devices is used for Realize the dress for the function of specifying in one or more flows of the flowchart and/or one or more blocks of the block diagram It sets.

These computer program instructions, which may also be stored in, is able to guide computer or other programmable data processing devices with spy Determine in the computer-readable memory that mode works, so that it includes referring to that instruction stored in the computer readable memory, which generates, Enable the manufacture of device, the command device realize in one box of one or more flows of the flowchart and/or block diagram or The function of being specified in multiple boxes.

These computer program instructions also can be loaded onto a computer or other programmable data processing device, so that counting Series of operation steps are executed on calculation machine or other programmable devices to generate computer implemented processing, thus in computer or The instruction executed on other programmable devices is provided for realizing in one or more flows of the flowchart and/or block diagram one The step of function of being specified in a box or multiple boxes.

In a typical configuration, calculating equipment includes one or more processors (CPU), input/output interface, net Network interface and memory.

Memory may include the non-volatile memory in computer-readable medium, random access memory (RAM) and/or The forms such as Nonvolatile memory, such as read-only memory (ROM) or flash memory (flash RAM).Memory is computer-readable medium Example.

Computer-readable medium includes permanent and non-permanent, removable and non-removable media can be by any method Or technology come realize information store.Information can be computer readable instructions, data structure, the module of program or other data. The example of the storage medium of computer includes, but are not limited to phase change memory (PRAM), static random access memory (SRAM), moves State random access memory (DRAM), other kinds of random access memory (RAM), read-only memory (ROM), electric erasable Programmable read only memory (EEPROM), flash memory or other memory techniques, read-only disc read only memory (CD-ROM) (CD-ROM), Digital versatile disc (DVD) or other optical storage, magnetic cassettes, tape magnetic disk storage or other magnetic storage devices Or any other non-transmission medium, can be used for storage can be accessed by a computing device information.As defined in this article, it calculates Machine readable medium does not include temporary computer readable media (transitory media), such as the data-signal and carrier wave of modulation.

It should also be noted that, the terms "include", "comprise" or its any other variant are intended to nonexcludability It include so that the process, method, commodity or the equipment that include a series of elements not only include those elements, but also to wrap Include other elements that are not explicitly listed, or further include for this process, method, commodity or equipment intrinsic want Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including described want There is also other identical elements in the process, method of element, commodity or equipment.

It will be understood by those skilled in the art that embodiments herein can provide as method, system or computer program product. Therefore, complete hardware embodiment, complete software embodiment or embodiment combining software and hardware aspects can be used in the application Form.It is deposited moreover, the application can be used to can be used in the computer that one or more wherein includes computer usable program code The shape for the computer program product implemented on storage media (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.) Formula.

The application can describe in the general context of computer-executable instructions executed by a computer, such as program Module.Generally, program module includes routines performing specific tasks or implementing specific abstract data types, programs, objects, group Part, data structure etc..The application can also be practiced in a distributed computing environment, in these distributed computing environments, by Task is executed by the connected remote processing devices of communication network.In a distributed computing environment, program module can be with In the local and remote computer storage media including storage equipment.

All the embodiments in this specification are described in a progressive manner, same and similar portion between each embodiment Dividing may refer to each other, and each embodiment focuses on the differences from other embodiments.Especially for system reality For applying example, since it is substantially similar to the method embodiment, so being described relatively simple, related place is referring to embodiment of the method Part explanation.

The above description is only an example of the present application, is not intended to limit this application.For those skilled in the art For, various changes and changes are possible in this application.All any modifications made within the spirit and principles of the present application are equal Replacement, improvement etc., should be included within the scope of the claims of this application.

Claims

1. a kind of report method of transaction, comprising:

Receive the report request that report side is sent；Wherein, the bill information of transaction to be reported is carried in the report request；

According to the bill information of the transaction to be reported, the relevant information of the transaction to be reported is obtained；Wherein, the related letter Breath includes: associated account information and/or pertinent transaction information；

Based on the relevant information of the transaction to be reported, the corresponding report process of the exchange to be reported is determined, so that described The corresponding report information of the exchange to be reported is submitted according to the report process in report side.

2. the method as described in claim 1, the associated account information includes at least one in following information:

Report side's account information, beneficiary account information；

The pertinent transaction information includes at least one in following information:

3. method according to claim 2, the beneficiary account information includes at least one in following information:

The beneficiary account is complained information, the beneficiary account is punished letter by report information, the beneficiary account Breath, the registration information of the beneficiary account, the exchange hour of described beneficiary account the last time；

The registration information of report side's account, the fund information of report side's account, report side's account frequency of use Highest geographical location information.

4. the method according to claim 1, the relevant information based on the transaction to be reported, determine described in The corresponding report process of exchange to be reported, comprising:

Determine the corresponding report process Selection Strategy of the exchange to be reported；

According to the relevant information of the transaction to be reported and the report process Selection Strategy of the determination, determine described wait report The corresponding report process of exchange.

5. method as claimed in claim 4, the corresponding report process Selection Strategy of exchange to be reported described in the determination, packet It includes:

It determines described wait report business scenario belonging to transaction；

Report process Selection Strategy corresponding to the business scenario is chosen from the report process Selection Strategy pre-established；

The process report strategy of the selection is determined as the corresponding report process Selection Strategy of the exchange to be reported.

6. method as claimed in claim 4, the relevant information of the transaction to be reported according to and the act of the determination Process Selection Strategy is reported, determines the corresponding report process of the exchange to be reported, comprising:

Report process Selection Strategy based on the determination, analyzes the relevant information of the transaction to be reported, is divided Analyse result；

If the analysis result indicates that the degree of risk of the transaction to be reported reaches setting grade or the risk of beneficiary etc. Grade reaches setting grade, it is determined that is reported using the first report process described wait report transaction in the report side；

If the analysis result indicates degree of risk not up to the setting grade and the beneficiary of the transaction to be reported Risk class not up to sets grade, and the liveness of the beneficiary and the transaction amount of the transaction to be reported satisfaction are set Fixed condition, it is determined that reported using the second report process described wait report transaction in the report side.

7. method as claimed in claim 6, it is described first report process be the report process based on user experience, described second Report that process is the report process based on report quality.

8. the method as described in claim 1, the relevant information based on the transaction to be reported determine described wait report friendship Easily after corresponding report process, the method also includes:

The report information judgement submitted according to the report side is described wait report whether transaction belongs to fraudulent trading；

If so, executing setting operation to beneficiary account；Otherwise, judging result is fed back into the report side.

9. a kind of report device of transaction, comprising:

Receiving module receives the report request that report side is sent；Wherein, the account of transaction to be reported is carried in the report request Single information；

Module is obtained, according to the bill information of the transaction to be reported, obtains the relevant information of the transaction to be reported；Wherein, The relevant information includes: associated account information and/or pertinent transaction information；

Determining module determines the corresponding report process of the exchange to be reported based on the relevant information of the transaction to be reported, So that the corresponding report information of the exchange to be reported is submitted according to the report process by the report side.

10. device as claimed in claim 9, the associated account information includes at least one in following information:

Report side's account information, beneficiary account information；

11. the device as described in claim 9 or 10, the determining module, comprising:

First determination unit determines the corresponding report process Selection Strategy of the exchange to be reported；

Second determination unit, according to the relevant information of the transaction to be reported and the report process Selection Strategy of the determination, Determine the corresponding report process of the exchange to be reported.

12. device as claimed in claim 11, first determination unit, are specifically used for:

It determines described wait report business scenario belonging to transaction；The industry is chosen from the report process Selection Strategy pre-established Report process Selection Strategy corresponding to scene of being engaged in；The process report strategy of the selection is determined as the exchange to be reported Corresponding report process Selection Strategy.

13. device as claimed in claim 11, second determination unit, are specifically used for:

Report process Selection Strategy based on the determination, analyzes the relevant information of the transaction to be reported, is divided Analyse result；If the analysis result indicates that the degree of risk of the transaction to be reported reaches the risk of setting grade or beneficiary Grade reaches setting grade, it is determined that is reported using the first report process described wait report transaction in the report side；If described point Analysis result indicates that the degree of risk of the transaction to be reported is not up to setting grade and the risk class of the beneficiary does not reach To setting grade, and the liveness of the beneficiary and the transaction amount of the transaction to be reported meet setting condition, then really Reported using the second report process described wait report transaction in the fixed report side.

14. device as claimed in claim 9, described device further include:

Judgment module, the report information judgement submitted according to the report side are described wait report whether transaction belongs to fraudulent trading；

Execution module executes beneficiary account if the judgment module judges that the transaction to be reported belongs to fraudulent trading Setting operation；

Feedback module feeds back to judging result if the judgment module judges that the transaction to be reported is not belonging to fraudulent trading The report side.

15. a kind of report equipment of transaction, comprising:

Processor；And

It is arranged to the memory of storage computer executable instructions, the executable instruction makes the processing when executed Device:

16. a kind of storage medium, for storing computer executable instructions, the executable instruction is realized following when executed Process: