CN111027980A

CN111027980A - Method and device for verifying use of limit

Info

Publication number: CN111027980A
Application number: CN201911277946.1A
Authority: CN
Inventors: 季宇
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: Alipay Hangzhou Information Technology Co Ltd
Priority date: 2019-12-12
Filing date: 2019-12-12
Publication date: 2020-04-17
Anticipated expiration: 2039-12-12
Also published as: CN111027980B

Abstract

The specification provides a method and a device for verifying the use of a quota, wherein the method for verifying the use of the quota comprises the following steps: acquiring verification information for identity verification of a user in the process of using the amount in the fund account; determining a preliminary verification result for carrying out preliminary verification on the user according to the verification information, and selecting a verification problem library based on the preliminary verification result; determining the risk level of the fund account based on the historical credit usage information of the fund account, and extracting verification problems corresponding to the risk level from the verification problem library for displaying; and receiving answer information submitted by the user aiming at the verification question, and analyzing the answer information to obtain a verification result of the user on the use of the quota.

Description

Method and device for verifying use of limit

Technical Field

The specification relates to the technical field of limit management and control, in particular to a limit use verification method. The specification also relates to a verification device for using the quota, a computing device and a computer readable storage medium.

Background

With the development of the internet technology, a user can realize online shopping and fund transfer through a third-party payment platform, in order to provide more convenient and comprehensive services for the user, the third-party platform can provide limit use authority for the user according to behavior information of the user using the third-party platform, the user obtaining the limit use authority indicates that the user uses the limit to perform shopping or transfer successfully, and the user returns the used limit within a time period, namely indicates that the user repays for the third-party payment platform.

In the prior art, when a user uses a limit provided by a third-party payment platform, the user may not be familiar with the using method and the repayment mechanism of the limit enough, so that the user cannot repay the limit within a time period; or under the condition that the user is unfamiliar with the using mechanism of the limit provided by the third-party payment platform, the phenomenon that lawless persons cheat the user may occur, and in order to avoid the occurrence of the above events, a scheme capable of improving the perception of the user on the use of the limit is urgently needed.

Disclosure of Invention

In view of this, the embodiments of the present specification provide a method for verifying quota use. The specification also relates to a verification device for credit usage, a computing device and a computer readable storage medium, so as to solve the technical defects in the prior art.

According to a first aspect of the embodiments of the present specification, there is provided a method for verifying use of an amount, including:

acquiring verification information for identity verification of a user in the process of using the amount in the fund account;

determining a preliminary verification result for carrying out preliminary verification on the user according to the verification information, and selecting a verification problem library based on the preliminary verification result;

determining the risk level of the fund account based on the historical credit usage information of the fund account, and extracting verification problems corresponding to the risk level from the verification problem library for displaying;

and receiving answer information submitted by the user aiming at the verification question, and analyzing the answer information to obtain a verification result of the user on the use of the quota.

Optionally, the determining the risk level of the fund account based on the historical credit usage information of the fund account includes:

analyzing the historical quota use information to obtain the quota use times of the fund account and the collection information of a payee;

determining the risk level of the payee according to the payee information, and selecting the payee with the risk level larger than a preset risk level threshold value to create a payee set;

determining the number of the payee included in the payee set, and calculating the ratio of the number to the using times of the quota;

and determining the risk level of the fund account according to the risk interval in which the ratio result is positioned.

Optionally, the determining, according to the verification information, a preliminary verification result of the preliminary verification performed on the user, and selecting a verification problem library based on the preliminary verification result includes:

determining an amount use password input by the user by using the amount and a face image of the user through the verification information;

under the condition that the user is determined to register the fund account self according to the amount use password and the face image, the user is used for registering the fund account self as the primary verification result;

and selecting an amount verification question bank in a question bank cluster as the verification question bank based on the fact that the user registers the fund account.

Optionally, the determining the risk level of the fund account based on the historical credit usage information of the fund account, and extracting a verification question corresponding to the risk level from the verification question bank for displaying includes:

obtaining the using times of the credit of the fund account by analyzing the historical credit using information;

inquiring a corresponding relation table of pre-established quota use times and risk levels, and determining the risk level of the fund account;

and extracting the quota verification problem corresponding to the risk level from the quota verification problem library as the verification problem to be displayed to the user.

under the condition that the user is not registered with the fund account per se according to the limit use password and the face image, taking the condition that the user is not registered with the fund account per se as the primary verification result;

selecting an authentication problem bank in a problem bank cluster as the authentication problem bank based on whether the user is the principal who registered the fund account.

extracting the identity authentication problem and the limit authentication problem corresponding to the risk level from the identity authentication problem library;

and integrating the identity verification problem and the limit verification problem, and displaying an integration result serving as the verification problem to the user.

Optionally, after the step of receiving answer information submitted by the user for the verification question and analyzing the answer information to obtain the verification result of the user on the use of the quota is executed, the method further includes:

receiving an quota using instruction submitted by the user aiming at the quota under the condition that the verification result is that the verification is passed;

increasing available balance in the balance of the fund account according to the limit use instruction based on the limit;

under the condition that a supporting instruction submitted by the user aiming at the available balance is received, displaying the supporting verification question to the user by extracting the supporting verification question from the verification question library;

and receiving supporting answer information submitted by the user aiming at the supporting verification problem, and analyzing the supporting answer information to obtain a supporting verification result of the user for supporting the available balance.

Optionally, before the step of obtaining the verification information for performing the identity verification in the process of using the amount in the fund account by the user is executed, the method further includes:

receiving an application instruction of the user for applying for a fund account;

acquiring the identity information of the user according to the application instruction, and acquiring a face image of the user;

extracting a certificate image of the user based on the identity information, and calculating the matching degree of the certificate image and the face image;

and under the condition that the matching degree is greater than a preset matching degree threshold value, allocating the fund account to the user, and setting the amount for the fund account according to the application instruction.

analyzing the historical credit usage information to obtain credit usage times and credit usage total of the fund account;

calculating the product of the using times of the amount and the corresponding times weight, determining the using times risk level of the fund account according to the product result, calculating the product of the total using amount and the corresponding total weight, and determining the using total risk level of the fund account according to the product result;

and taking the calculation result as the risk grade by summing the use number risk grade and the use total risk grade and taking an average value.

determining the repayment risk of the user by analyzing the verification result;

selecting a limit using strategy according to the repayment risk;

providing part of the quota in the quota to the user based on the quota using strategy;

wherein the credit usage policy comprises at least one of the following:

setting the upper limit of using the quota, setting the using mode of the quota and setting the using way of the quota.

Optionally, the extracting, from the verification problem library, the verification problem corresponding to the risk level for displaying includes:

and inquiring a pre-established corresponding relation table of the risk grade and the verification problem according to the risk grade, determining the verification problem corresponding to the risk grade and displaying the verification problem.

extracting the verification questions from the verification question library, and counting the number of the verification questions;

generating a verification question display list according to the number of the questions, wherein the verification question display list comprises answer conditions;

and displaying the verification question display list carrying the answer conditions to the user.

According to a second aspect of the embodiments of the present specification, there is provided a verification apparatus for use of a quota, including:

the verification information acquisition module is configured to acquire verification information for identity verification of a user in the process of using the amount in the fund account;

a selection question bank module configured to determine a preliminary verification result of preliminary verification of the user according to the verification information and select a verification question bank based on the preliminary verification result;

the problem extracting module is configured to determine a risk level of the fund account based on historical credit usage information of the fund account, and extract a verification problem corresponding to the risk level from the verification problem library for display;

and the analysis answer information module is configured to receive answer information submitted by the user aiming at the verification question, and obtain a verification result of the use of the user on the quota by analyzing the answer information.

Optionally, the selection question bank module includes:

a first determination unit configured to determine an amount use password input by the user using the amount and a face image of the user through the authentication information;

a second determination unit configured to register the user as the principal of the money account as the preliminary verification result in a case where it is determined that the user is the principal of the money account registered based on the money amount use password and the face image;

and the selection limit verification question bank unit is configured to select a limit verification question bank in the question bank cluster as the verification question bank based on the fact that the user registers the fund account.

Optionally, the problem extraction module includes:

the first analysis unit is configured to obtain the using times of the money amount of the fund account by analyzing the historical money amount using information;

a risk grade determining unit configured to query a pre-established corresponding relation table of the use times of the quota and the risk grade, and determine the risk grade of the fund account;

and the credit line extraction verification question unit is configured to extract the credit line verification question corresponding to the risk level from the credit line verification question library as the verification question to be displayed to the user.

Optionally, the selection question bank module includes:

a third determination unit configured to determine, through the authentication information, an amount use password input by the user using the amount and a face image of the user;

a fourth determination unit configured to determine that the user is not the principal of the registered fund account as the preliminary verification result in a case where it is determined that the user is not the principal of the registered fund account based on the amount use password and the face image;

a select authentication question bank unit configured to select an authentication question bank in a question bank cluster as the authentication question bank based on whether the user is personally registering the fund account.

Optionally, the problem extraction module includes:

the second analysis unit is configured to obtain the using times of the money amount of the fund account by analyzing the historical money amount using information;

the inquiry relation table unit is configured to inquire a pre-established corresponding relation table of the using times of the quota and the risk level and determine the risk level of the fund account;

an extraction question unit configured to extract an authentication question and an amount verification question corresponding to the risk level in the authentication question bank;

and the display problem unit is configured to integrate the identity verification problem and the limit verification problem and display an integration result as the verification problem to the user.

According to a third aspect of embodiments herein, there is provided a computing device comprising:

a memory and a processor;

the memory is to store computer-executable instructions, and the processor is to execute the computer-executable instructions to:

According to a fourth aspect of the embodiments of the present specification, there is provided a computer-readable storage medium storing computer-executable instructions that, when executed by a processor, implement the steps of the verification method for use of the amount.

The method for verifying the use of the amount provided by the specification acquires verification information for verifying the identity of a user in the process of using the amount in a fund account; determining a preliminary verification result for carrying out preliminary verification on the user according to the verification information, and selecting a verification problem library based on the preliminary verification result; determining the risk level of the fund account based on the historical credit usage information of the fund account, and extracting verification problems corresponding to the risk level from the verification problem library for displaying; and receiving answer information submitted by the user aiming at the verification question, and analyzing the answer information to obtain a verification result of the user on the use of the quota.

The embodiment of the specification realizes that the user can be subjected to the credit usage verification in the credit usage process of the fund account, under the condition that the primary verification is completed, the verification question bank is selected for the user according to the primary verification result, then the verification questions are extracted from the verification question bank, and the user is further verified in a question-answer interaction mode, so that the user can fully know the credit usage mechanism in the process of answering the verification questions, the perception of the user on the credit in the fund account and the enthusiasm of the user for paying the credit are effectively improved, and the fraudulent events of the user are avoided.

Drawings

FIG. 1 is a flowchart of a method for verifying the use of a quota, according to an embodiment of the present disclosure;

FIG. 2 is a flowchart illustrating a process of a method for verifying credit usage in a shopping scenario according to an embodiment of the present disclosure;

FIG. 3 is a schematic structural diagram of a credit line verifying apparatus according to an embodiment of the present disclosure;

fig. 4 is a block diagram of a computing device according to an embodiment of the present disclosure.

Detailed Description

In the following description, numerous specific details are set forth in order to provide a thorough understanding of the present description. This description may be embodied in many different forms and should not be construed as limited to the embodiments set forth herein, as those skilled in the art will be able to make and use the present disclosure without departing from the spirit and scope of the present disclosure.

The terminology used in the description of the one or more embodiments is for the purpose of describing the particular embodiments only and is not intended to be limiting of the description of the one or more embodiments. As used in one or more embodiments of the present specification 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 in one or more embodiments of the present specification 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 in one or more embodiments 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, a first can also be referred to as a second and, similarly, a second can also be referred to as a first without departing from the scope of one or more embodiments of the present description. The word "if" as used herein may be interpreted as "at … …" or "when … …" or "in response to a determination", depending on the context.

In the present specification, a method for verifying the use of an amount is provided, and the present specification also relates to a verification device for the use of an amount, a computing device, and a computer-readable storage medium, which are described in detail in the following embodiments one by one.

FIG. 1 is a flowchart illustrating a method for verifying the use of a credit provided in an embodiment of the present disclosure, including steps 102 to 108.

Step 102: and acquiring verification information for verifying the identity of the user in the process of using the amount in the fund account.

In an embodiment of the present specification, the fund account specifically refers to an account applied by the user on a payment platform, the user can pay for purchased articles on the network through the fund account, the payment platform can set the amount for the fund account according to credit information and behavior information of the user, the user can pay or transfer money through the amount, for example, the amount in the fund account is 2000 yuan, after the user purchases clothes by using the amount, the 1000 yuan remains, which indicates that the user uses 1000 yuan, and the user can recover the amount to 2000 yuan by repayment of the used amount within a settlement period of each month, wherein the user needs to repay 1000 yuan;

it should be noted that there are two forms of the amount in the fund account, which are amount one and amount two, wherein amount one specifically means how much amount the user can use to return to the user only by online shopping, and amount two specifically means how much amount the user can withdraw according to the amount, and can transfer the withdrawal amount to the bank card, and how much amount the withdrawal amount needs to return to; that is, the amount can be understood as a fund borrowed by the payment platform to the user, and the user needs to return the fund within a set time period to continue using the amount, and if the user does not return the fund, the amount will be illegal.

Based on this, in consideration of the security of the amount, the identity of the user needs to be verified in the process of using the amount in the fund account, and the user can pay or transfer money by using the amount in the fund account only under the condition that the verification is passed.

In the method for verifying the use of the quota, in order to improve the safety awareness of the user and the understanding of the use mechanism of the quota of the user, the quota use of the user is verified in the process of using the quota in the fund account of the user, the verification question bank is selected for the user according to the primary verification result under the condition of finishing the primary verification, the verification questions are extracted from the verification question bank, and the user is further verified in a question-answer interaction mode, so that the user can fully know the use mechanism of the quota in the process of answering the verification questions, the perception degree of the quota in the fund account of the user and the enthusiasm of the payment of the user aiming at the quota are effectively improved, and the fraudulent event of the user is avoided.

Before the user uses the amount, the user is required to apply for a fund account, and in one or more embodiments of this embodiment, a specific process of applying for the fund account by the user is as follows:

In practical application, under the condition that the user needs to use a capital account, the user needs to apply for the capital account, an application instruction submitted by the user is received, the identity information of the user is obtained according to the application instruction, the identity information can include the identity card information of the user, the living address information of the user, the professional information of the user and the like, meanwhile, a face image of the user is collected through a camera of a terminal device of the user, a certificate image of the user is extracted based on the identity information, the certificate image specifically refers to a head portrait of the user on the identity card of the user, and whether the user applying for the capital account and the user in the provided identity information are the same person is judged by calculating the matching degree of the certificate image and the face image;

comparing the matching degree with the preset matching degree threshold, and under the condition that the matching degree is greater than the preset matching degree threshold, indicating that the user applying for the fund account is the same as the user in the identity information, allocating the fund account to the user, and setting the amount for the fund account according to the application instruction; and under the condition that the matching degree is less than or equal to a preset matching degree threshold value, if the user applying for the fund account is not the same person as the user in the identity information, refusing to allocate the fund account to the user.

In addition, after the amount is set for the fund account, the amount may be promoted according to the number of times the user uses the fund account, and may also be promoted according to the credit record of the user, and the specific promotion manner of the amount may be set according to the actual application scenario, and the specification of the present disclosure is not limited herein.

In the embodiment, when an application instruction submitted by a user is received, the user is verified according to the identity information of the user, and the situation that one identity information applies for a plurality of fund accounts is avoided.

After the fund account is allocated to the user according to the application instruction of the user, further, the user may use the amount in the fund account, and in the process of using the amount, in order to avoid an event that the user is fraudulently involved, the process of using the amount may be verified, and based on this, verification information for performing identity verification in the process of using the amount by the user is obtained, where the verification information may include a password of the fund account, a fingerprint password, a face password, or the like input by the user.

Step 104: and determining a preliminary verification result for carrying out preliminary verification on the user according to the verification information, and selecting a verification problem library based on the preliminary verification result.

Specifically, after the verification information is obtained, first, a preliminary verification needs to be performed on the user according to the verification information, where the preliminary verification may be face recognition or fingerprint recognition on the user, and then it is determined whether the user using the amount is a user who registers identity information used by the fund account, that is, the preliminary verification result is that the user is the principal or the user is not the principal; different question banks are selected according to different preliminary verification results, identity verification is not needed to be performed on the user any more when the user is the user, and the use of the limit of the user is verified.

In the specific implementation, the situation that the face image of the user is inconsistent with the face image when the fund account is registered to cause recognition failure may occur in the face recognition process, and at this time, in order to avoid the situation that the initial verification is inaccurate, the user is subjected to identity verification and credit use verification according to the situation that the user is not the user.

Further, in order to improve the verification efficiency of verifying the use limit of the user, a question bank is selected according to the condition that whether the user registers the fund account; selecting a limit verification question bank if the user is the user who registers the fund account; in the event that the user is not registered with the financial account himself, selecting an authentication question bank; based on the above, the process of selecting the limit verification question bank is as described in the following (1), and the process of selecting the identity verification question bank is as described in the following (2);

(1) determining an amount use password input by the user by using the amount and a face image of the user through the verification information; under the condition that the user is determined to register the fund account self according to the amount use password and the face image, the user is used for registering the fund account self as the primary verification result; and selecting an amount verification question bank in a question bank cluster as the verification question bank based on the fact that the user registers the fund account.

Specifically, whether the user is the principal or not is judged, the amount use password input by the user in the process of using the amount and the face image of the user at the moment are determined according to the acquired verification information, the user can be determined to register the principal of the fund account under the condition that the amount use password is determined to be the amount use password set by the user last time and the face image in the verification information is consistent with the face image in the certificate information used when the fund account is registered, and then a verification question bank can be selected from the question bank cluster to be used as the verification question bank for carrying out the subsequent verification process.

In specific implementation, the verification question in the credit verification question bank may be set based on the content related to the credit and the fund account, for example, the verification question may be "the type of credit that you use now is: a, quota one; b, limit two, and you use the limit now to go on: a, payment; b, cash withdrawal ", or" repayment time after you use the amount: a, within 7 days; and B, within 30 days, the preset verification problems in the limit verification question bank are all related to the limit, so that the cognition of the user on the limit can be effectively improved.

It should be noted that there may be a plurality of problem libraries included in the problem library cluster, and the problem library is extracted according to the preliminary verification result in the process of selecting the problem library in the problem library cluster.

For example, the amount use password input by the user a is determined to be 123456 through the verification information, meanwhile, the face image of the user is determined, the amount use password set in the fund account is 123456, the amount use password input by the user a is determined to be correct through checking, the user a is determined to be the person who registers the fund account through comparing the face image, and at the moment, the amount verification question bank is selected from the question bank cluster for subsequent verification.

(2) Determining an amount use password input by the user by using the amount and a face image of the user through the verification information; under the condition that the user is not registered with the fund account per se according to the limit use password and the face image, taking the condition that the user is not registered with the fund account per se as the primary verification result; selecting an authentication problem bank in a problem bank cluster as the authentication problem bank based on whether the user is the principal who registered the fund account.

Specifically, whether the user is the principal or not needs to be judged, an amount use password input by the user in the process of using the amount and a face image of the user at the moment are determined according to the acquired verification information, and the user can be determined not to register the principal of the fund account under the condition that the amount use password is determined to be the amount use password set by the user last time and the face image in the verification information is inconsistent with the face image in the certificate information used when the fund account is registered; or under the condition that the limit use password is determined not to be the limit use password set by the user last time and the face image in the verification information is consistent with the face image in the certificate information used when the fund account is registered, determining that the user is not the principal of the fund account; or determining that the user is not the principal of the registered fund account under the condition that the limit use password is determined not to be the limit use password set by the user last time and the face image in the verification information is inconsistent with the face image in the certificate information used when the fund account is registered; and then selecting an identity verification question bank as the verification question bank in the question bank cluster to perform a subsequent verification process.

In specific implementation, the verification question in the authentication question bank may be set based on contents related to the amount, the fund account, and the authentication, for example, the verification question may be "the type of the amount you use at present is: a, quota one; b, limit two, and you use the limit now to go on: a, payment; b, cash-out ", and" four digits after your identification number are: a, 12 ×; and B, 13, the authentication problems preset in the authentication problem library are all related to the quota and authentication, so that the cognition of the user on the quota can be improved under the condition of authenticating the user, and the condition that the user does not use the quota maliciously is avoided.

For example, the amount use password input by the user B is determined to be 123456 through the verification information, the face image of the user is determined, the amount use password set in the fund account is 456789, the amount use password input by the user B is determined to be correct through checking, the user B is determined not to be the principal registered with the fund account through comparison of the face image, and at this time, the authentication question bank is selected from the question bank cluster for subsequent verification.

Step 106: and determining the risk level of the fund account based on the historical credit usage information of the fund account, and extracting verification questions corresponding to the risk level from the verification question bank for displaying.

Specifically, after the verification question bank is determined, the risk level of the fund account needs to be determined according to historical credit usage information of the fund account, where the historical credit usage information specifically refers to record information of credit usage in the fund account, and the record information may include credit usage time, credit usage duration, whether to pay on time, information of a payee in the case of paying using the credit, information of the payee in the case of transferring using the credit, and the like; the risk grade specifically refers to the non-repayment risk grade of the fund account, and the higher the risk grade is, the higher the non-repayment probability is;

based on this, after determining the risk level of the fund account, the verification questions corresponding to the risk level may be selected from the verification question bank to be presented to the user, and the higher the risk level is, the more verification questions are selected from the verification question bank, whereas the lower the risk level is, the less verification questions are selected from the verification question bank.

In specific implementation, the verification problems corresponding to the risk levels may be set in advance, for example, the risk levels include a high risk level, a medium risk level and a low risk level, 10 verification problems may be set for the high risk level, 5 verification problems may be set for the medium risk level, 2 verification problems may be set for the low risk level, different risk levels may include different numbers of verification problems, a specific setting process may be set according to an actual application scenario, division of the risk levels may also be set according to the actual application scenario, and the present specification is not limited thereto.

Further, in order to improve the accuracy of determining the risk level of the fund account, the embodiment determines the risk level of the fund account in the following two ways, specifically including the following processes:

(1) analyzing the historical quota use information to obtain the quota use times of the fund account and the collection information of a payee; determining the risk level of the payee according to the payee information, and selecting the payee with the risk level larger than a preset risk level threshold value to create a payee set; determining the number of the payee included in the payee set, and calculating the ratio of the number to the using times of the quota; and determining the risk level of the fund account according to the risk interval in which the ratio result is positioned.

Specifically, the historical information on the use of the amount is analyzed to obtain the use times of the amount and the collection information of the receiver, wherein the use times of the amount specifically refers to the use times of the amount in the fund account, the collection information of the receiver specifically refers to payment or transfer of the amount to the receiver through the fund account, and the receiver receives the information of funds corresponding to the amount in the collection process; based on this, the risk level of the payee is determined according to the receipt information, and the process of determining the risk level of the payee may be determined as follows: determining that the fund collected by the payee corresponds to the balance or the amount of other users, wherein the risk level of the payee is higher under the condition that the amount accounts for a higher ratio, and the risk level of the payee is lower under the condition that the amount accounts for a higher ratio;

after the risk level of the payee is determined, because a fund account possibly pays to a plurality of payees or transfers a quota to the payees, the payees with the risk levels larger than a preset risk level threshold value in all the payees are extracted to create a payee set, and the preset risk level threshold value is used for selecting the payee with a higher risk level from all the payees to create the payee set so as to determine the risk level of the fund account; detecting the number of the payee parties in the payee party set, calculating the ratio of the number to the using times of the amount, and determining the risk level of the fund account according to the risk interval of the ratio result.

In practical applications, the ratio of the number to the number of uses of the amount is calculated because the payee in the set of payees is a user with a higher risk level, and the percentage of the payee with a higher risk level for payment or transfer of the fund account to all payees can be determined by calculating the ratio of the number to the number of uses of the amount, and the higher the percentage is, the higher the number of the payee with a higher risk level for payment or transfer of the fund account is, the higher the risk level of the fund account is, can be further determined.

Further, the risk intervals are preset in advance, and different ratios correspond to different risk intervals, for example, a ratio corresponding to a low risk interval is 0% to 33%, a ratio corresponding to a high risk interval is 34% to 66%, and a ratio corresponding to a low risk interval is 67% to 100%; and determining the risk level of the fund account according to the risk zone in which the ratio result is positioned.

For example, it is determined that the using times of the quota of the fund account is 100 times, and at the same time, the risk level of the payee corresponding to the 100 times is determined, wherein 40 payees with the risk levels larger than the preset risk level threshold exist, the ratio result is determined to be 40% by calculating the ratio of the payee 40 with the risk levels larger than the preset risk level threshold to the using times of the quota 100, and the risk interval corresponding to the risk level where the ratio result is 40% is located can be determined to be medium.

(2) Analyzing the historical credit usage information to obtain credit usage times and credit usage total of the fund account; calculating the product of the using times of the amount and the corresponding times weight, determining the using times risk level of the fund account according to the product result, calculating the product of the total using amount and the corresponding total weight, and determining the using total risk level of the fund account according to the product result; and taking the calculation result as the risk grade by summing the use number risk grade and the use total risk grade and taking an average value.

Specifically, the historical information of using the quota is analyzed to obtain the number of using the quota and the total amount of using the quota, wherein the total amount of using the quota specifically refers to the total amount of the quota commonly used by the fund account from the application to the present; based on the above, calculating the product of the using times of the quota and the corresponding times weight, and determining the using times risk level of the fund account according to the product result, wherein the using times risk level is inversely proportional to the using times of the quota, the higher the using times of the quota is, the lower the using times risk level is, otherwise, the lower the using times of the quota is, the higher the using times risk level is, and simultaneously calculating the product of the total using amount and the corresponding total weight, and determining the total using amount risk level of the fund account according to the product result, wherein the total using amount risk level is inversely proportional to the total using amount of the quota; in the case where the usage number risk level and the usage total risk level are determined, the risk level of the money account may be determined by summing and averaging the two.

For example, the number of times of using the amount of the fund account is 100, the total amount of using the amount is 10000 yuan, the corresponding weight of the number of times of using the amount is determined to be 0.6, the corresponding weight of the total amount of using the amount is 0.4, the risk level of using the number of times of using is determined to be 6 through calculation, the risk level of using the total amount is 4, and the risk level of the fund account can be determined to be 5 through averaging.

In the embodiment, the risk level of the fund account is determined by calculating the proportion, or the risk level of the fund account is determined by calculating the risk levels of different dimensions, so that the risk level of the fund account is determined more accurately, a more accurate verification problem can be selected to ask a question for the user in the subsequent verification problem selection process for the user, and the accuracy of verifying the user is improved.

Further, after determining the risk level of the fund account, it is necessary to select a verification question from the verification question bank according to the risk level for presentation to the user, in one or more embodiments of this example, a first manner of selecting the verification question is as follows:

In practical application, in order to extract the verification problem in the verification problem library quickly, a corresponding relation table of risk levels and verification problems may be established in advance, and after the risk level of the fund account is determined, the verification problem corresponding to the risk level may be determined quickly by querying the corresponding relation table of risk levels and verification problems, thereby improving the verification efficiency to a great extent.

For example, the pre-established correspondence table between risk levels and verification problems is shown in table 1:

TABLE 1

Risk rating	Verification problem
		1	Problems 1 to 10
2	Problems 11 to 15
		3	Problems 16 to 17
……	……

And determining that the risk level of the fund account is 1, determining that the verification problems are problems 1 to 10 by inquiring the table 1, wherein 10 verification problems are included, and selecting 10 verification problems from the problems 1 to 10 to display the verification problems to the user.

Furthermore, in the process of presenting the verification question to the user, in order to accelerate the answer speed of the user for the verification question, in one or more embodiments of this embodiment, in the process of presenting the verification question to the user, a user may be prompted with an answer condition, which is specifically implemented as follows:

In practical application, the verification questions are extracted from the verification question bank, the number of the verification questions is counted, in order to improve the answer effect of the user, the verification questions can be typeset according to the number of the questions, the related verification questions are combined together to generate a verification question display list, the verification question display list comprises all the verification questions selected from the verification question bank, the answer conditions can be added into the verification question display list in order to avoid that the user does not know the answer mode, the answer conditions specifically refer to the answer items which need to be noticed by the user in the process of answering the verification questions, and the answer conditions can be 'all the verification questions need to be answered' or 'the submitted answers can be modified' and the like.

In this embodiment, in the process of presenting the verification question to the user, the verification question is typeset and generated to the verification question presentation list, so that the answer efficiency of the verification question to the user is effectively improved, and how the user answers can be guided by adding the answer condition, and the experience effect of the user is improved.

In one or more embodiments of this embodiment, on one hand, when the user is the user who registers the fund account, the credit verification question extracted from the credit verification question library is a verification question related to the credit usage mechanism or the credit repayment mechanism, and the specific extraction process is as follows:

In practical applications, in the case where the user is the user who registered the financial account himself, when the authentication question is extracted and presented to the user, in order to quickly and accurately extract the verification problem corresponding to the risk level, a corresponding relation table of the using times of the quota and the risk level can be established in advance, in the case where the number of times of using the value amount of the money account is determined by the historical value amount use information, the risk level of the fund account can be directly determined through the pre-established corresponding relation table of the using times and the risk level of the quota, the quota verification problem is extracted from the quota verification problem library according to the risk level and is shown to the user as the verification problem, the credit line verification problem is a verification problem related to contents such as a credit line use mechanism, a credit line repayment mechanism and a credit line use period.

For example, in the case that the user is the registered fund account, the historical information on the use of the amount of the fund account is analyzed to determine that the use number of the amount of the fund account is 100, the pre-established table of the correspondence between the use number of the amount and the risk level is queried to determine that the risk level of the fund account is 3, and two-line verification questions corresponding to the risk level 3 are extracted from the amount verification question bank, wherein the amount verification question 1 is "the type of the amount used by you now is: a, quota one; b, limit two ", limit verification problem 2 is" you are using the limit now to do: a, payment; and B, cashing, namely displaying the limit verification question to the user so as to determine the verification result of the use limit of the user according to answer information of the user answering the limit verification question.

In one or more embodiments of this embodiment, on the other hand, in a case that the user is not the principal who registers the fund account, the verification questions extracted in the authentication question bank are verification questions related to a use mechanism and a payment mechanism of the amount and verification questions related to verification of the user identity information, and the specific extraction process is as follows:

In practical application, when the user does not register the principal of the fund account, and when the verification problem is extracted and displayed to the user, in order to quickly and accurately extract the verification problem corresponding to the risk level, a corresponding relation table of the using times of the quota and the risk level can be established in advance, when the using times of the quota of the fund account is determined through the historical quota using information, the risk level of the fund account can be directly determined through the corresponding relation table of the using times of the quota and the risk level, the verification problem and the authentication problem are extracted from the authentication problem library according to the risk level for integration, and the integration result is displayed to the user as the verification problem, wherein the quota verification problem is a mechanism for using the quota, And verifying the contents such as the repayment mechanism of the amount, the service life of the amount and the like, wherein the authentication problem is related to verifying the identity information of the user.

For example, under the condition that a user does not register a fund account, historical credit usage information of the fund account is analyzed to determine that the credit usage frequency of the fund account is 100 times, a pre-established corresponding relation table between the credit usage frequency and a risk level is inquired to determine that the risk level of the fund account is 3, two verification problems corresponding to the risk level 3 are extracted from an authentication problem library and are respectively a credit verification problem and an authentication problem, and the credit verification problem is that' you use the credit type at present is: a, quota one; b, limit two ", the authentication question is" four digits after your identification card number are: a, 12 ×; and B, 34, showing the limit verification question and the identity verification question to the user, so as to determine the verification result of the use limit of the user according to the answer information of the user answering the limit verification question and the identity verification question.

In this embodiment, in the process of presenting the verification problem to the user, different verification problem libraries are first matched for the user according to whether the user is the user who registers the fund account, then the risk of the fund account and the like are determined according to a pre-established corresponding relation table of risk levels and amount use times, and finally the verification problem corresponding to the risk level is extracted from the verification problem library according to the risk level and presented to the user.

Step 108: and receiving answer information submitted by the user aiming at the verification question, and analyzing the answer information to obtain a verification result of the user on the use of the quota.

Specifically, after the verification question is displayed to the user, the user needs to answer the verification question according to the user, a verification result that the user uses the quota is analyzed according to answer information of the answer, based on the answer information, answer information submitted by the user for the verification question is received, the answer information can reflect the knowledge of the user about a quota using mechanism and a repayment mechanism, the verification result that the user uses the quota can be determined by analyzing the answer information, and the verification result can be that the user continues to use the quota, the user is prohibited from using the quota, or the user is limited from using the quota.

After determining the verification result of the usage of the amount by the user, further, in one or more embodiments of this embodiment, the amount specifically refers to a payment amount provided by a payment platform corresponding to the fund account for the user, where the amount includes an amount one and an amount two, and specific descriptions of the amount one and the amount two may refer to the descriptions in the above embodiments, which are not described herein any more in this embodiment, and in the case that the amount is the amount two, the amount may be converted into the balance of the fund account according to the verification result, and the user may withdraw or use the balance, but needs to pay back the used amount, based on which, in the process of using the balance by the user, in order to improve the security awareness and the repayment enthusiasm of the user, the balance support verification may be performed on the process of using the balance by the user, the specific implementation mode is as follows:

In practical application, when the user passes verification when using the amount, the user may use the amount, at this time, an amount use instruction submitted by the user for the amount is received, the amount use instruction carries the number of using the amount, deduction is performed on the basis of an original amount according to the number of using the amount, and funds equal to a deduction part are added to a balance of the fund account, the balance of the fund account specifically refers to funds stored in the fund account by the user, at this time, the balance includes an available balance, and the available balance is a part of the amount with which the original amount is deducted;

based on this, when the user needs to use the available balance, a supporting instruction of the user is received, in order to improve the security of the user and remind the user to repay the used amount on time, a supporting verification question is proposed to the user again in a question interaction mode to be displayed to the user, supporting answer information submitted by the user for the supporting verification question is received, and a supporting verification result for supporting the available balance by the user can be determined through the supporting answer information, wherein the supporting verification result specifically refers to a result for verifying the available balance by the user, and whether the user can use the available balance is verified.

For example, the amount in the fund account is 2000 yuan, the balance of the fund account is 0 yuan, the user extracts the 1000 yuan by using 1000 yuan in the amount, the amount is reduced to 1000 yuan, the available balance in the balance of the fund account is 1000 yuan, and the user will default the 1000 yuan fund of the fund account and need to return within 30 days.

In this embodiment, in the process that the user uses the available balance, the user is verified for payment again, so that the enthusiasm of the user for repayment of the used amount can be improved, the safety awareness of the user on the use of the amount is further improved, and the fraudulent event of the user is avoided.

After determining the result of the verification of the use of the quota by the user, further, in one or more embodiments of this embodiment, in order to avoid a situation that the user does not pay the quota on time, different quota use policies may be selected to provide an available quota to the user, and a specific implementation manner is as follows:

selecting a limit using strategy according to the repayment risk;

wherein the credit usage policy comprises at least one of the following: setting the upper limit of using the quota, setting the using mode of the quota and setting the using way of the quota.

Specifically, after the verification result is obtained, analyzing the verification result to determine the repayment risk of the user, wherein different repayment risks correspond to different line usage strategies, and after the line usage strategy is determined according to the repayment risk, providing a part of the line in the line for the user based on the line usage strategy; the credit use strategy can comprise setting a credit use upper limit, setting a credit use mode and setting a credit use way, wherein the setting of the credit use upper limit specifically means setting different credit use upper limits according to the payment risk, the higher the payment risk, the lower the credit use upper limit, the lower the payment risk, the higher the credit use upper limit, the credit use mode specifically means that different payment risk levels correspond to different credit use modes, the higher the payment risk, the more the credit use mode is limited, the credit use way specifically means that different payment risk levels correspond to different credit use ways, and the higher the payment risk is, the higher the credit use way is, the fewer the credit use ways are.

In this embodiment, different credit line usage strategies are set for the credit line usage process of the user according to the repayment risk, so that loss caused by the user when the user does not pay for the credit line can be reduced.

According to the method for verifying the use of the amount, the amount use of the user is verified in the process that the user uses the amount in the fund account, the verification question bank is selected for the user according to the primary verification result under the condition that the primary verification is completed, then the verification questions are extracted from the verification question bank, the user is further verified in a question-answer interaction mode, the user can fully know the amount use mechanism in the process of answering the verification questions, the perception degree of the user on the amount in the fund account and the enthusiasm of the user for repayment of the amount are effectively improved, and the fraudulent events of the user are avoided.

The method for verifying the use of the quota provided in the present specification will be further described below with reference to fig. 2, by taking the application of the method for verifying the use of the quota in a shopping scenario as an example. Fig. 2 shows a processing flow chart of a verification method applied to the use of a quota in a shopping scenario, which includes steps 202 to 220.

Step 202: and acquiring verification information of the user when shopping by using the amount in the fund account.

Specifically, the user needs to pay by using the amount in the fund account in a certain shopping process, and needs to verify the operation of using the amount of the user in order to prevent the user from being cheated;

based on the above, the verification information when the user uses the quota is obtained.

Step 204: and determining that the amount input by the user is wrong by using the password according to the verification information, and determining that the user is not the person who registers the fund account.

Specifically, the user needs to input the credit usage password in the credit usage process, and the credit usage password input by the user is inconsistent with the credit usage password set last time, which indicates that the user may not be the principal who registers the fund account.

Step 206: the authentication question bank is selected based on the user not being personally registered with the financial account.

Specifically, in the case where it is determined that the user is not the principal who has registered the financial account, authentication of the user is required, and authentication of the use of the amount of the user is also required.

Step 208: and obtaining the using times of the amount of the fund account and the collection information of the payee by analyzing the historical amount using information of the fund account.

Specifically, in the process of verifying the use of the quota of the user, a verification question needs to be provided for the user, and the accuracy of user verification is improved by adopting a question-answer interaction mode;

based on this, before presenting the authentication problem to the user, the authentication problem needs to be selected according to the risk level of the fund account, and the determination of the risk level of the fund account needs to be determined by calculation.

Step 210: and determining the risk level of the payee according to the payment information, and selecting the payee with the risk level larger than the risk level to create a payee set.

Step 212: counting the number of the payee included in the payee set, and calculating the ratio of the number to the using times of the quota.

Specifically, the payee set is created by selecting the payee with the payee level greater than the risk level, and the risk level ratio of the fund account can be preliminarily determined by calculating the ratio of the number to the using times of the amount.

Step 214: and determining the risk level of the fund account to be low according to the risk interval in which the ratio result is positioned.

Specifically, it may be determined that the risk level of the money account is low by computationally determining that the ratio result is 30%.

Step 216: and selecting the identity authentication problem and the limit authentication problem corresponding to the low risk level in the identity authentication problem library.

Specifically, the authentication problem is that "four digits after your identification number are: a, 12 ×; b, 13 ″, the limit verification problem is that "you are now using the limit: a, payment; and B, bringing up the current.

Step 218: and receiving answer information submitted by the user aiming at the identity authentication problem and the quota authentication problem.

Step 220: and analyzing the answer information to determine that the user can use the quota to shop.

Specifically, four digits after receiving the identity verification problem of the user are: a, 12 ×; b, 13-the answer information submitted is A, and the question of verifying the quota is that "you are using the quota now: a, payment; and B, giving a cash-out' the submitted answer is A, determining that the user is the person who registers the fund account and is familiar with the use of the quota, and then using the quota to continuously shop.

The method for verifying the use of the amount provided by the specification verifies the amount use password input by the user in the process of using the amount in the fund account by the user, determines that the user is probably not the person who registers the fund account under the condition of completing verification, selects the authentication question bank at the moment, extracts verification questions from the authentication question bank, and further verifies the user in a question-answer interaction mode, so that the user can fully know an amount use mechanism in the process of answering the verification questions, the perception degree of the user on the amount in the fund account and the enthusiasm of the user for repayment of the amount are effectively improved, the fraudulent events of the user are avoided, and the use safety of the amount is improved.

Corresponding to the above method embodiment, the present specification further provides an embodiment of a verification device for using the amount, and fig. 3 shows a schematic structural diagram of the verification device for using the amount provided by the embodiment of the present specification.

As shown in fig. 3, the apparatus includes:

an obtaining verification information module 302 configured to obtain verification information for identity verification of a user in using the amount in the fund account;

a selection question bank module 304 configured to determine a preliminary verification result of the preliminary verification of the user according to the verification information, and select a verification question bank based on the preliminary verification result;

the problem extracting module 306 is configured to determine a risk level of the fund account based on the historical credit usage information of the fund account, and extract a verification problem corresponding to the risk level from the verification problem library for display;

and the answer information analysis module 308 is configured to receive answer information submitted by the user for the verification question, and obtain a verification result of the use of the user on the quota by analyzing the answer information.

In an optional embodiment, the problem extraction module 306 includes:

an analysis information unit configured to obtain the use times of the money amount of the fund account and the collection information of the collection party by analyzing the historical money amount use information;

the collection creating unit is configured to determine the risk level of the payee according to the collection information, and select the payee with the risk level larger than a preset risk level threshold value to create a payee collection;

a ratio calculating unit configured to determine the number of the payee included in the payee set, and calculate a ratio of the number to the amount of use;

a determining level unit configured to determine the risk level of the fund account according to a risk interval in which a ratio result is located.

In an alternative embodiment, the selection question bank module 304 includes:

In an optional embodiment, the problem extraction module 306 includes:

In an alternative embodiment, the selection question bank module 304 includes:

In an optional embodiment, the problem extraction module 306 includes:

In an optional embodiment, the apparatus for verifying the use of the amount further includes:

the using instruction receiving module is configured to receive an amount using instruction submitted by the user aiming at the amount under the condition that the verification result is that the verification is passed;

an increase available balance module configured to increase an available balance in the balance of the fund account according to the limit use instruction based on the limit;

an extraction supporting verification question module configured to, in a case where a supporting instruction submitted by the user for the available balance is received, present the user by extracting a supporting verification question in the verification question bank;

and the analysis supporting answer information module is configured to receive supporting answer information submitted by the user aiming at the supporting verification question, and obtain a supporting verification result of the user for supporting the available balance by analyzing the supporting answer information.

the receiving application instruction module is configured to receive an application instruction of the user for applying for a fund account;

the acquisition module is configured to acquire the identity information of the user according to the application instruction and acquire a face image of the user;

a matching degree calculating module configured to extract a certificate image of the user based on the identity information and calculate a matching degree of the certificate image and the face image;

and the allocation module is configured to allocate the fund account to the user under the condition that the matching degree is greater than a preset matching degree threshold value, and set the amount for the fund account according to the application instruction.

In an optional embodiment, the problem extraction module 306 includes:

a total amount determining unit configured to obtain the amount usage times and the total amount of the amount usage of the fund account by analyzing the historical amount usage information;

a total use risk grade determining unit configured to calculate a product of the using times of the amount and the corresponding times weight, determine a risk grade of the using times of the fund account according to a product result, calculate a product of the total use amount and the corresponding total weight, and determine a risk grade of the total use amount of the fund account according to the product result;

a calculation unit configured to take a calculation result as the risk level by summing and averaging the usage number risk level and the usage total risk level.

a repayment risk determining module configured to determine a repayment risk of the user by analyzing the verification result;

the credit line use strategy selection module is configured to select a credit line use strategy according to the repayment risk;

a partial quota providing module configured to provide a partial quota in the quota to the user based on the quota using policy;

wherein the credit usage policy comprises at least one of the following:

In an optional embodiment, the extracting, from the verification problem library, the verification problem corresponding to the risk level for displaying includes:

In an optional embodiment, the problem extraction module 306 includes:

a statistical number unit configured to extract the verification questions in the verification question bank and to count the number of questions of the verification questions;

the generation list unit is configured to generate a verification question display list according to the number of the questions, wherein the verification question display list comprises answer conditions;

and the list display unit is configured to display the verification question display list carrying the answer conditions to the user.

The verification device for the use of the amount provided by the specification can verify the use of the amount of the user in the process of using the amount in the fund account by the user, select a verification question bank for the user according to a primary verification result under the condition that the primary verification is completed, extract verification questions from the verification question bank, and further verify the user in a question-answer interaction mode, so that the user can fully know an amount use mechanism in the process of answering the verification questions, the perception of the user on the amount in the fund account and the enthusiasm of the user for repayment of the amount are effectively improved, and the fraudulent events of the user are avoided.

The above is an illustrative scheme of the verifying device for credit line usage of the embodiment. It should be noted that the technical solution of the verification device for using the amount of money is the same as that of the verification method for using the amount of money described above, and the detailed contents of the technical solution of the verification device for using the amount of money, which is not described in detail, can be referred to the description of the technical solution of the verification method for using the amount of money described above.

FIG. 4 illustrates a block diagram of a computing device 400 provided according to an embodiment of the present description. The components of the computing device 400 include, but are not limited to, a memory 410 and a processor 420. Processor 420 is coupled to memory 410 via bus 430 and database 450 is used to store data.

Computing device 400 also includes access device 440, access device 440 enabling computing device 400 to communicate via one or more networks 460. Examples of such networks include the Public Switched Telephone Network (PSTN), a Local Area Network (LAN), a Wide Area Network (WAN), a Personal Area Network (PAN), or a combination of communication networks such as the internet. The access device 440 may include one or more of any type of network interface (e.g., a Network Interface Card (NIC)) whether wired or wireless, such as an IEEE802.11 Wireless Local Area Network (WLAN) wireless interface, a worldwide interoperability for microwave access (Wi-MAX) interface, an ethernet interface, a Universal Serial Bus (USB) interface, a cellular network interface, a bluetooth interface, a Near Field Communication (NFC) interface, and so forth.

In one embodiment of the present description, the above-described components of computing device 400, as well as other components not shown in FIG. 4, may also be connected to each other, such as by a bus. It should be understood that the block diagram of the computing device architecture shown in FIG. 4 is for purposes of example only and is not limiting as to the scope of the present description. Those skilled in the art may add or replace other components as desired.

Computing device 400 may be any type of stationary or mobile computing device, including a mobile computer or mobile computing device (e.g., tablet, personal digital assistant, laptop, notebook, netbook, etc.), mobile phone (e.g., smartphone), wearable computing device (e.g., smartwatch, smartglasses, etc.), or other type of mobile device, or a stationary computing device such as a desktop computer or PC. Computing device 400 may also be a mobile or stationary server.

Wherein processor 420 is configured to execute the following computer-executable instructions:

The above is an illustrative scheme of a computing device of the present embodiment. It should be noted that the technical solution of the computing device and the technical solution of the verification method for using the amount belong to the same concept, and details that are not described in detail in the technical solution of the computing device can be referred to the description of the technical solution of the verification method for using the amount.

An embodiment of the present specification also provides a computer readable storage medium storing computer instructions that, when executed by a processor, are operable to:

The above is an illustrative scheme of a computer-readable storage medium of the present embodiment. It should be noted that the technical solution of the storage medium and the technical solution of the verification method for using the amount belong to the same concept, and the details of the technical solution of the storage medium, which are not described in detail, can be referred to the description of the technical solution of the verification method for using the amount.

The foregoing description has been directed to specific embodiments of this disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.

The computer instructions comprise computer program code which may be in the form of source code, object code, an executable file or some intermediate form, or the like. The computer-readable medium may include: any entity or device capable of carrying the computer program code, recording medium, usb disk, removable hard disk, magnetic disk, optical disk, computer Memory, Read-Only Memory (ROM), Random Access Memory (RAM), electrical carrier wave signals, telecommunications signals, software distribution medium, and the like. It should be noted that the computer readable medium may contain content that is subject to appropriate increase or decrease as required by legislation and patent practice in jurisdictions, for example, in some jurisdictions, computer readable media does not include electrical carrier signals and telecommunications signals as is required by legislation and patent practice.

It should be noted that, for the sake of simplicity, the foregoing method embodiments are described as a series of acts or combinations, but those skilled in the art should understand that the present disclosure is not limited by the described order of acts, as some steps may be performed in other orders or simultaneously according to the present disclosure. Further, those skilled in the art should also appreciate that the embodiments described in this specification are preferred embodiments and that acts and modules referred to are not necessarily required for this description.

In the above embodiments, the descriptions of the respective embodiments have respective emphasis, and for parts that are not described in detail in a certain embodiment, reference may be made to related descriptions of other embodiments.

The preferred embodiments of the present specification disclosed above are intended only to aid in the description of the specification. Alternative embodiments are not exhaustive and do not limit the invention to the precise embodiments described. Obviously, many modifications and variations are possible in light of the above teaching. The embodiments were chosen and described in order to best explain the principles of the specification and its practical application, to thereby enable others skilled in the art to best understand the specification and its practical application. The specification is limited only by the claims and their full scope and equivalents.

Claims

1. A method for verifying the use of a quota comprises the following steps:

2. The credit usage verification method of claim 1, the determining a risk level of the financial account based on historical credit usage information of the financial account, comprising:

3. The credit usage verification method of claim 1, wherein the determining a preliminary verification result for preliminary verification of the user according to the verification information and selecting a verification question bank based on the preliminary verification result comprises:

4. The credit usage verification method of claim 3, wherein the determining a risk level of the fund account based on historical credit usage information of the fund account and extracting a verification question corresponding to the risk level from the verification question bank for display comprises:

5. The credit usage verification method of claim 1, wherein the determining a preliminary verification result for preliminary verification of the user according to the verification information and selecting a verification question bank based on the preliminary verification result comprises:

6. The credit usage verification method of claim 5, wherein the determining a risk level of the fund account based on historical credit usage information of the fund account and extracting a verification question corresponding to the risk level from the verification question bank for display comprises:

7. The method for verifying the use of the quota according to claim 1, wherein after the step of receiving answer information submitted by the user for the verification question and analyzing the answer information to obtain the verification result of the use of the quota by the user is executed, the method further comprises:

8. The method for verifying the use of the amount according to claim 1, wherein before the step of obtaining the verification information for verifying the identity of the user in the process of using the amount in the fund account, the method further comprises:

9. The credit usage verification method of claim 1, the determining a risk level of the financial account based on historical credit usage information of the financial account, comprising:

10. The method for verifying the use of the quota according to claim 1, wherein after the step of receiving answer information submitted by the user for the verification question and analyzing the answer information to obtain the verification result of the use of the quota by the user is executed, the method further comprises:

selecting a limit using strategy according to the repayment risk;

wherein the credit usage policy comprises at least one of the following:

11. The method for verifying the use of the limit according to claim 2 or 9, wherein the step of extracting the verification questions corresponding to the risk levels from the verification question bank for display comprises the steps of:

12. The credit usage verification method of claim 11, wherein the extracting and displaying of the verification questions corresponding to the risk levels from the verification question bank comprises:

13. A verification device for use of a credit, comprising:

14. The credit use verification device of claim 13, the selection question bank module comprising:

15. The credit use verification device of claim 14, the extraction question module comprising:

16. The credit use verification device of claim 13, the selection question bank module comprising:

17. The credit use verification device of claim 16, the extraction question module comprising:

18. A computing device, comprising:

a memory and a processor;

19. A computer-readable storage medium storing computer instructions which, when executed by a processor, perform the steps of the method of verifying the use of the value unit of any one of claims 1 to 12.