CN111652623A

CN111652623A - Frozen account unfreezing data processing method, device and equipment

Info

Publication number: CN111652623A
Application number: CN202010472522.7A
Authority: CN
Inventors: 骆希; 张超; 孙传亮
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: Alipay Hangzhou Information Technology Co Ltd
Priority date: 2020-05-29
Filing date: 2020-05-29
Publication date: 2020-09-11

Abstract

The specification provides a frozen account unfreezing data processing method, device and equipment, and after a login request of a frozen account is received, a fund account association prompt message is returned to prompt a login user to associate a fund account. And after the fund account is successfully associated, determining the unfreezing payment amount of the frozen account based on the related data of the frozen account, the associated fund account, the login user and the like. And the login user transfers the actual payment amount into the frozen account according to the displayed unfreezing payment amount, and determines whether to unfreeze the frozen account or not based on the actual payment amount and the unfreezing payment amount.

Description

Frozen account unfreezing data processing method, device and equipment

Technical Field

The specification belongs to the technical field of computers, and particularly relates to a frozen account unfreezing data processing method, device and equipment.

Background

The scientific and technological progress brings convenience to the life and work of people and brings more risks, and the safety problem of online business is more and more emphasized. Some illegal users may purchase or otherwise obtain an account of a general user for illegal activities. Generally, a system monitors risks of an account, and when some accounts are monitored to have risks, the accounts may be frozen, so that the accounts cannot be subjected to business processing, and economic losses of users are avoided. For frozen accounts, the use can be recovered by some thawing means, and the thawing process is usually simple, such as: the thawing can be performed through authentication and the like. Some illegal users can also easily utilize the unfreezing means to continue to use the account after unfreezing, so that reasonable control over the risk account cannot be realized, and higher risk potential hazards exist.

Disclosure of Invention

An object of the embodiments of the present specification is to provide a data processing method, apparatus, and device for frozen account unfreezing, which improve the threshold of an illegal user for unfreezing an account and improve the safety of account unfreezing.

In a first aspect, an embodiment of the present specification provides a data processing method for frozen account unfreezing, where the method includes:

after receiving a login request of a frozen account, returning fund account association prompt information for a login user to associate the fund account with the frozen account according to the fund account association prompt information;

after the fund account is successfully associated, determining and returning the unfreezing money-drawing amount of the frozen account;

receiving actual money-making amount transferred from the fund account associated with the frozen account to the frozen account;

and judging whether the actual payment amount is larger than or equal to the unfreezing payment amount, and if so, unfreezing the frozen account.

In a second aspect, an embodiment of the present specification provides a data processing method for frozen account unfreezing, where the method includes:

sending a login request for freezing an account to a server;

receiving fund account association prompt information returned by the server, and inputting account information of an associated fund account according to the fund account association prompt information so that the server associates the fund account with the frozen account;

receiving and displaying the unfreezing and paying amount of the frozen account returned by the server after the fund account is successfully associated;

and transferring actual payment amount from the fund account to the frozen account according to the unfreezing payment amount, so that the server judges whether to unfreeze the frozen account according to the actual payment amount and the unfreezing payment amount.

In a third aspect, the present specification provides a frozen account defreezing data processing apparatus comprising:

the fund account association module is used for returning fund account association prompt information after receiving a login request of the frozen account so that a login user can associate the fund account with the frozen account according to the fund account association prompt information;

the unfreezing amount determining module is used for determining and returning the unfreezing and paying amount of the frozen account after the fund account is successfully associated;

the actual money-making receiving module is used for receiving the actual money-making amount transferred from the fund account associated with the frozen account to the frozen account;

and the unfreezing processing module is used for judging whether the actual payment amount is larger than or equal to the unfreezing payment amount, and if so, unfreezing the frozen account.

In a fourth aspect, the present specification provides a frozen account defreezing data processing apparatus comprising:

the login request sending module is used for sending a login request of the frozen account to the server;

the associated account information input module is used for receiving the fund account associated prompt information returned by the server and inputting the account information of the associated fund account according to the fund account associated prompt information so that the server associates the fund account with the frozen account;

the unfreezing limit receiving module is used for receiving and displaying the unfreezing money-making limit of the frozen account returned by the server after the fund account is successfully associated;

and the money making module is used for transferring actual money making amount from the fund account to the frozen account according to the unfreezing money making amount so that the server judges whether to unfreeze the frozen account according to the actual money making amount and the unfreezing money making amount.

In a fifth aspect, the present specification provides a data processing device for frozen account unfreezing, which includes at least one processor and a memory for storing processor executable instructions, and when the processor executes the instructions, the data processing device implements the frozen account unfreezing data processing method.

According to the data processing method, device and equipment for unfreezing the frozen account, after a login request of the frozen account is received, the related prompt information of the fund account is returned, and a login user is prompted to associate the fund account. And after the fund account is successfully associated, determining the unfreezing payment amount of the frozen account based on the related data of the frozen account, the associated fund account, the login user and the like. And the login user transfers the actual payment amount into the frozen account according to the displayed unfreezing payment amount, and determines whether to unfreeze the frozen account or not based on the actual payment amount and the unfreezing payment amount. By means of the money-making authentication, the cost of unfreezing the account by the illegal user is improved, the trust sense between the unfreezing auxiliary party, namely the login user, and the unfreezing demand party, namely the illegal user is reduced, the success rate of unfreezing the account by the illegal user is reduced, the operation threshold of unfreezing the account by the illegal user is improved, the safety of the account is ensured, a safer service environment is provided for online services, and the personal information safety of the login user is maintained.

Drawings

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

FIG. 1 is a schematic flow chart diagram of an embodiment of a data processing method for frozen account unfreezing provided by an embodiment of the present description;

FIG. 2 is a schematic flow chart diagram of a data processing method for frozen account unfreezing in yet another embodiment of the present description;

FIG. 3 is a schematic flow chart diagram of a data processing method for frozen account unfreezing in yet another embodiment of the present description;

FIG. 4 is a schematic illustration of frozen account unfreezing in one example of the present description;

FIG. 5 is a block diagram of one embodiment of a frozen account defrosted data processing apparatus provided herein;

FIG. 6 is a block diagram of a frozen account defrosted data processing apparatus provided in a further embodiment of the present disclosure;

fig. 7 is a block diagram of a hardware configuration of a data processing server for frozen account unfreezing in one embodiment of the present description.

Detailed Description

In order to make those skilled in the art better understand the technical solutions in the present specification, the technical solutions in the embodiments of the present specification will be clearly and completely described below with reference to the drawings in the embodiments of the present specification, and it is obvious that the described embodiments are only a part of the embodiments of the present specification, and not all of the embodiments. All other embodiments obtained by a person skilled in the art based on the embodiments in the present specification without any inventive step should fall within the scope of protection of the present specification.

With the continuous development of online services, some illegal users perform illegal activities on the online services, such as: network gambling and the like, and generally, a service system performs punishment such as management and control, limit charge, account freezing and the like on accounts of illegal services. In order to continue illegal activities, illegal users usually obtain a large number of accounts through a network crowdsourcing platform for issuing tasks or obviously pushing back benefits and the like, and then identify related accounts or unfreeze frozen accounts through groups with weak law consciousness and strong trending for subsequent illegal services. The frozen account can be continuously used after being thawed, and the common thawing means is simple, such as: the bank card is unfrozen, namely the bank card can be unfrozen only by binding one bank card, or the unfreezing is assisted by code scanning and the like of friends, and an illegal user can guide some groups with weak law consciousness and strong tendency to assist the groups in unfreezing frozen accounts by giving a small amount of benefits, so that much inconvenience is brought to safety management of online business.

Crowdsourcing, among other things, is understood to be the act of a company or organization outsourcing work tasks performed by employees in the past to unspecified (and often large) public volunteers in a free-voluntary fashion.

The embodiment of the specification provides a frozen account unfreezing data processing method, and after a login request of a frozen account is received, the data processing method returns fund account association prompting information to prompt a login user to associate a fund account. And after the fund account is successfully associated, determining the unfreezing payment amount of the frozen account, transferring the actual payment amount into the frozen account by the login user according to the displayed unfreezing payment amount, and determining whether to unfreeze the frozen account based on the actual payment amount and the unfreezing payment amount. By means of the payment authentication, the thawing cost of the frozen account is improved, the trust sense between a thawing auxiliary party, namely a login user, and a thawing demand party, namely an illegal user, is reduced, the success rate of abnormal thawing of the frozen account is reduced, the operation threshold of the illegal user for thawing the account is improved, the safety of services is improved, and meanwhile the personal information safety of the login user is maintained.

Fig. 1 is a schematic flowchart of an embodiment of a data processing method for frozen account unfreezing provided by an embodiment of the present specification. Although the present specification provides the method steps or apparatus structures as shown in the following examples or figures, more or less steps or modules may be included in the method or apparatus structures based on conventional or non-inventive efforts. In the case of steps or structures which do not logically have the necessary cause and effect relationship, the execution order of the steps or the block structure of the apparatus is not limited to the execution order or the block structure shown in the embodiments or the drawings of the present specification. When the described method or module structure is applied to a device, a server or an end product in practice, the method or module structure according to the embodiment or the figures may be executed sequentially or in parallel (for example, in a parallel processor or multi-thread processing environment, or even in an implementation environment including distributed processing and server clustering).

Fig. 1 shows a specific embodiment, in an embodiment of the data processing method for frozen account unfreezing provided in this specification, the method may be applied to a terminal such as a platform, a service system, or a server for managing frozen accounts, and the method may include the following steps:

and 102, after receiving a login request of the frozen account, returning fund account association prompt information to enable a login user to associate the fund account with the frozen account according to the fund account association prompt information.

In a specific implementation process, the accounts targeted by the embodiments of the present specification may include electronic accounts, such as: payment account, etc., and of course, a bank card account may also be included according to actual needs, and the embodiments of the present specification are not particularly limited. The frozen account can be understood as an account after a business system performs operations such as authorization, freezing and the like on an account which is confirmed to have a risk or has no business operation for a long time after risk identification, and the frozen account is generally not available for business transaction, such as: the businesses such as transfer, collection, payment, cash withdrawal and the like can not be handled. Unfreezing of the frozen account can be understood as performing certain authentication on the frozen account, and after the authentication is passed, the frozen account can be recovered to be used normally.

When a user logs in a frozen account which is frozen, a service system (such as a server to which the frozen account belongs) can receive a login request of the frozen account, and at the moment, the server judges that the account is the frozen account and needs to be unfrozen firstly to be applicable. The server can return the fund account association prompting information to prompt the login user to perform the fund account association. The fund account can be understood as an account capable of conducting transaction such as transfer, for example: it may be a bank card account, a credit card account, or an electronic account capable of transferring money, paying money, etc. Associating a funds account with a frozen account may be understood as binding a funds account with a frozen account, which may use resources in the bound funds account such as: the operation of payment, transfer, cash withdrawal and the like can be carried out.

For example: the login user A logs in the user a through the mobile phone client, the account a is a frozen account, after the business system receives a login request, fund account association prompt information can be returned to the mobile phone client where the login user A is located, and the login user A can associate at least one fund account for the frozen account a according to the fund account association prompt information displayed in the mobile phone client. Such as: the login user A can fill in the page of the fund account association prompt information with the name, the bank card number, the identity identification, the reserved mobile phone number of the bank card and the like of the owner of the bank card owned by the login user A, and the server can associate the bank card account with the frozen account a according to the account information input by the login user.

And step 104, after the fund account is successfully associated, determining and returning the unfreezing payment amount of the frozen account.

In a specific implementation process, after the fund account is successfully associated with the frozen account, the defreezing money amount corresponding to the frozen account can be determined. The frozen account unfreezing data processing method provided by the embodiment of the specification needs to charge a frozen account to unfreeze, and the unfreezing charge amount can be understood as the charge amount needed by the unfreezing of the frozen account, namely the charge amount needs to be transferred to the frozen account, and the frozen account can be unfrozen and recovered to be used. The defreezing payment amount can be determined according to the risk degree of freezing the account, such as: the higher the risk level, the higher the required defreezing payment amount, or may be determined according to the risk level of the fund account associated with the frozen account, the higher the risk level of the fund account, the higher the required defreezing payment amount. The risk degree of the frozen account can be determined according to the risk degree mark of the frozen account or by utilizing a machine learning model to carry out risk evaluation on the frozen account, and the required unfreezing money making amount is further determined based on the risk degree of the frozen account. Of course, other methods may be adopted to determine the thawing money amount according to actual needs, and the embodiments of the present specification are not particularly limited.

In some embodiments of the present specification, the method for determining the thawing payment amount may include:

and determining the defreezing money drawing amount according to at least one of defreezing cost dynamic, defreezing bank defreezing frequency, defreezing fund account electronic card attribute, distance information between the defreezing position and the registration position and defreezing frequency of the login user.

In a specific implementation process, the thawing cost dynamics can be understood as the dynamics of thawing costs that are not provided to the thawing assistant by the user in the market, such as: the price of unfreezing one frozen account provided for the unfreezing auxiliary party by an illegal user in the market during unfreezing can be acquired through means of market research and the like, and the price is dynamic unfreezing cost. A thawing helper or thawing helper in the embodiments of the present description may be understood as a user induced by an unauthorized user to assist him in thawing a frozen account. The unfreezing frequency of the unfreezing bank can be acquired by means of big data and the like, the unfreezing frequency of different banks to unfreezing accounts can be acquired, some local banks can not strictly control modes such as account registration and the like, the local banks are easily utilized by illegal users, bank card accounts are registered in batches and used for unfreezing frozen accounts, and the possibility that banks with higher unfreezing frequency are abnormally unfrozen is higher. The attribute of the electronic card of the defreezing fund account, namely whether the electronic card of the defreezing fund account such as a bank card is a first-class card, a second-class card or a third-class card, generally, the security management of the second-class card and the third-class card is weak, and the unfreezing fund account is easy to be utilized by illegal users. The distance information between the unfreezing position and the registered position can be understood as that a position Based service (LBS) is used for acquiring the distance between the geographic position where the current unfreezing fund account is located and the geographic position registered by the fund account, and if the unfreezing distance is too far from the registered distance, the probability of abnormal unfreezing is relatively high. The thawing frequency of the login user can be obtained by counting the thawing frequency of the user name, equipment, certificate and the like of the login user, and if the thawing frequency is high, the possibility of abnormal thawing is high.

Calculating the defreezing money-making amount of the defreezing account based on at least one item of defreezing cost dynamic, defreezing bank defreezing frequency, defreezing fund account electronic card attribute, distance information between defreezing position and registration position and defreezing frequency of login user, such as: the method can acquire the relationship between the thawing cost dynamic state, the thawing bank thawing frequency, the thawing fund account electronic card attribute, the distance information between the thawing position and the registered position, the thawing frequency of the login user and the frozen account risk degree through mathematical statistics or by using a machine learning model, combining with expert experience and the like, further determine the relationship between the information and the thawing payment amount, and further determine the thawing payment amount of the current frozen account.

For example: the method can be used for dynamically improving the unfreezing payment amount when at least one condition that the bank card of a regional city business bank is unfrozen, the suspected electronic bank card of the second type or the third type is unfrozen, the illegal user is found to increase the auxiliary unfrozen person reward, namely the unfreezing cost is increased, and the unfreezing payment amount is too far from the account registration distance is found through investigation, and the unfreezing payment amount can be increased to different degrees according to the number of the conditions. Meanwhile, for the case of low risk, such as: the fund account with low unfreezing frequency and the unfreezing position are close to the account registration distance, the situation can be considered as a normal unfreezing user, the unfreezing payment amount can be correspondingly reduced, and the calculated unfreezing payment amount is relatively low so as to reduce the unfreezing cost of the normal user.

In the embodiment of the specification, the unfreezing payment amount of the frozen account is determined based on at least one of the unfreezing cost dynamic state, the unfreezing frequency of the unfreezing bank, the attribute of the electronic card of the unfreezing fund account, the distance information between the unfreezing position and the registered position and the unfreezing frequency of the login user, and the dynamic adjustment of the unfreezing payment amount is realized, so that the illegal user cannot determine the unfreezing payment amount in advance, namely the accurate unfreezing amount cannot be given to the unfreezing helper. Effectively prevent illegal user from returning money in advance, improve the cost of improper unfreezing, reduce illegal user and the sense of trust of the assistor that unfreezes, greatly reduced the thawing rate of improper unfreezes, improved the security of online business, also ensure to know and freeze the information security of assistor.

And 106, receiving the actual credit line transferred from the fund account associated with the frozen account to the frozen account.

In a specific implementation process, after the business system determines the unfreezing payment amount, the determined unfreezing payment amount can be returned to the client side sending the login request, the client side can display the unfreezing payment amount in an interface after receiving the unfreezing payment amount so as to prompt a login user to conduct unfreezing payment, and the login user can transfer a certain amount of money, namely an actual payment amount, from a fund account associated with the frozen account to the frozen account according to the received unfreezing payment amount.

Of course, when the defreezing and paying amount is displayed, safety prompt information can be displayed to prompt the login user to pay attention to account safety, so that deception by people is avoided.

And 108, judging whether the actual payment amount is larger than or equal to the unfreezing payment amount, and unfreezing the frozen account if the actual payment amount is larger than or equal to the unfreezing payment amount.

In a specific implementation process, after the login user successfully makes a payment, the business system to which the frozen account belongs can receive the actual payment amount transferred by the login user, and determine whether the frozen account can be thawed or not based on the actual payment amount and the thawing payment amount. And if the actual payment amount is larger than or equal to the unfreezing payment amount, unfreezing the frozen account, namely recovering the normal use function of the frozen account. And if the actual payment amount is smaller than the unfreezing payment amount, the unfreezing fails, and the freezing state of the frozen account is maintained.

For example: the login user A logs in the user a through the mobile phone client, the account a is a frozen account, after the business system receives a login request, the fund account association prompt information can be returned to the mobile phone client where the login user A is located, and the login user A can associate a bank card account B for the frozen account a according to the fund account association prompt information displayed in the mobile phone client. And after the fund account is successfully associated, determining that the unfreezing payment amount of the current frozen account a is 200 yuan based on the relevant data of the login user A, the bank card account B and the frozen account a. The thawing payment amount of 200 yuan can be returned to the mobile phone client of the login user A for displaying, and the login user A can transfer accounts to the frozen account a through the bank card account B according to the thawing payment amount prompted in the mobile phone client. The login user A transfers 200 yuan from the bank card account B to the frozen account a, and the frozen account a can be recovered to normal use after being thawed successfully by judging that the actual payment amount is the same as the thawing payment amount. If the illegal user induces the login user A to help to unfreeze the account by providing certain consideration, the login user A can improve the safety precaution consciousness when knowing that the user A needs to make money and can unfreeze, realizes that certain risk exists in the behavior, and further possibly refuses the unfreezing operation.

In the data processing method for unfreezing the frozen account provided by the embodiment of the specification, after the login request of the frozen account is received, the associated prompt information of the fund account is returned, and the login user is prompted to associate the fund account. And after the fund account is successfully associated, determining the unfreezing payment amount of the frozen account based on the related data of the frozen account, the associated fund account, the login user and the like. And the login user transfers the actual payment amount into the frozen account according to the displayed unfreezing payment amount, and determines whether to unfreeze the frozen account or not based on the actual payment amount and the unfreezing payment amount. By means of the money-making authentication, the cost of unfreezing the account by the illegal user is improved, the trust sense between the unfreezing auxiliary party, namely the login user, and the unfreezing demand party, namely the illegal user is reduced, the success rate of unfreezing the account by the illegal user is reduced, the operation threshold of unfreezing the account by the illegal user is improved, the safety of the account is ensured, a safer service environment is provided for online services, and the personal information safety of the login user is maintained.

Fig. 2 is a schematic flow chart of a data processing method for frozen account unfreezing in another embodiment of the present disclosure, as shown in fig. 2, and in some embodiments of the present disclosure, the method further includes:

after receiving a login request of the frozen account, performing risk assessment on the frozen account;

and if the risk degree of the frozen account is determined to be greater than a preset threshold value, returning the related prompt information of the fund account, and if the risk degree of the frozen account is determined to be not greater than the preset threshold value, directly unfreezing the frozen account.

In a specific implementation process, after receiving a login request of a frozen account, risk assessment may be performed on the frozen account, for example: the account information of the frozen account at the frozen time point and the account information of the current time point can be acquired, risk evaluation is carried out on the frozen account based on the account information of the two time points, whether the frozen account still belongs to a risk account or not is judged, and whether the frozen account is an account of a normal user or an account used by an illegal user is judged. For example: the method can acquire the frozen time point of the frozen account and the current time point, and the equipment information, the environment information, the identity information, the account information, the bank card information and the like of the two time points, and judge whether the current login user is a legal user or whether the current frozen account is still a risk account based on the information of the two time points, so as to further determine the risk degree of the current frozen account. The risk assessment may be performed on the frozen account by using a machine learning model, and the like, and the specific method is not specifically limited in the embodiment of the present specification. When the risk degree of the current frozen account is determined to be smaller, namely the risk degree is smaller than a preset threshold value, the frozen account is directly unfrozen, and other unfreezing authentication operations such as money making and the like are not needed. If the risk degree of the current frozen account is determined to be higher, namely the risk degree is greater than the risk threshold, returning the related prompt information of the fund account, adopting the method of the embodiment, determining the unfreezing money-making amount and the like to unfreeze the frozen account, and for the unfreezing process of the situation that the risk degree is greater than the preset threshold, referring to the record of the embodiment, the details are not repeated here.

The embodiment of the specification simplifies the frozen accounts with high risk degree such as low-quality users, black-property (illegal users) operation users, crowdsourcing limitation accounts and the like into a complicated form, reduces the crowdsourcing limitation enthusiasm and improves the abnormal unfreezing cost by a self-service fund verification mode on the premise of not blocking a limitation link so as to improve the account safety and ensure the safety of the service environment. The account freezing method has the advantages that account freezing with low risk degree such as high-account-quality users and secondary number-allocation users is simplified, sensible unfreezing is carried out, and user experience is improved.

On the basis of the above embodiments, in some embodiments of the present specification, the method further includes:

and transferring the actual payment amount from the frozen account to a fund account associated with the frozen account at a designated time after the frozen account is thawed.

In a specific implementation process, the unfreezing refund time can be preset, and after the unfreezing of the frozen account is successful, the actual payment amount of the login user can be returned to the original account in an original way at a specified time, namely, the actual payment amount is transferred from the frozen account to the related fund account. Wherein, the specific value of appointed time can be set according to actual need, such as: the time may be 24 hours, 3 hours, 48 hours, etc., and examples of the present specification are not particularly limited.

In the embodiment of the specification, the frozen account is thawed by a money-making and thawing mode, and a non-real-time money-returning mode is adopted after money making, so that the threshold of abnormal thawing is further improved, the trust between an illegal user and a thawing assistor is reduced, the precaution consciousness of the thawing assistor is improved, and the thawing safety of the frozen account is improved.

determining the refund time of the frozen account according to the risk degree of the frozen account, wherein the refund time is longer when the risk degree is higher;

and after the frozen account is unfrozen, transferring the actual money amount from the frozen account to a fund account associated with the frozen account at the refund time.

In a specific implementation process, when risk evaluation is performed on the frozen account, the refund time of the frozen account can be determined according to the risk degree of the frozen account, and the higher the risk degree is, the longer the refund time is determined. After the frozen account is thawed, the actual payment amount of the user can be returned to the fund account associated with the frozen account in the determined refund time.

For example: when a login user logs in the frozen account a, risk evaluation is carried out on the frozen account a, the risk degree of the frozen account a is determined to be 0.8, and the risk is high. And determining that the refund time of the frozen account a is 48 hours based on the risk degree of the frozen account, namely transferring the actual payment amount transferred to the frozen account a by the user back to the associated fund account 48 hours after the frozen account a is thawed. And when the login user logs in the frozen account b, performing risk evaluation on the frozen account b, and determining that the risk degree of the frozen account b is 0.4 and the risk is smaller. And determining the refund time of the frozen account b to be 24 hours based on the risk degree of the frozen account, namely transferring the actual payment amount transferred from the frozen account b to the user back to the related fund account after the frozen account b is thawed for 24 hours.

In the embodiment of the specification, the refund time of different frozen accounts is set based on the risk degree of different frozen accounts, the larger the risk degree is, the longer the refund time is, and the cost for unfreezing the account by an illegal user is increased. And the illegal user can not accurately give the time of refund, thereby reducing the trust sense between the thawing assistor helping the illegal user to thaw the account and the illegal user, improving the safety precaution consciousness of the thawing assistor, further greatly reducing the thawing amount of the illegal user to the frozen account, improving the safety of the account and providing a safer service environment.

On the basis of the above embodiment, the returning of the fund account association prompting information for a login user to associate a fund account with the frozen account according to the fund account association prompting information includes:

returning the fund account association prompt information to enable the login user to input account information of the associated fund account according to the fund account association prompt information;

judging whether the associated fund account is bound with the frozen account or not according to the account information;

if the associated fund account is bound with the frozen account, directly associating the fund account with the frozen account after the account information is determined to be accurate;

if the associated fund account is not bound with the frozen account, after the account information is determined to be accurate, the fund account associated subscription information is returned, and the fund account is associated with the frozen account according to the subscription confirmation information returned by the login user.

In a specific implementation process, when performing the fund account association, some embodiments of the present specification may first determine whether the associated fund account is a fund account that has been bound before the blocked account based on account information of the associated fund account input by the login user. If so, directly associating the fund account with the frozen account after determining that the account information input by the user is accurate, and jumping to a fund account transfer interface. If the fund account is not associated with the frozen account before, the fund account association signing information can be returned, and after the user agrees to sign, the fund account is associated with the frozen account.

In the embodiment of the specification, different account association processes are provided based on different fund accounts, and a data base is laid for unfreezing the frozen accounts.

Fig. 3 is a schematic flow diagram of a data processing method for frozen account unfreezing in another embodiment of this specification, and as shown in fig. 3, the data processing method for frozen account unfreezing may be applied to a client used by a unfrozen user, and may be a mobile phone client, a computer client, an intelligent wearable device, and the like. As shown in fig. 3, the method may include:

step 302, sending a login request for freezing the account to the server.

In a specific implementation process, the accounts targeted by the embodiments of the present specification may include electronic accounts, such as: payment account, etc., and of course, a bank card account may also be included according to actual needs, and the embodiments of the present specification are not particularly limited. The frozen account can be understood as an account after a business system performs operations such as authorization, freezing and the like on an account which is confirmed to have a risk or has no business operation for a long time after risk identification, and the frozen account is generally not available for business processing such as: transfer, collection, payment, embodiment and the like can not be carried out. Unfreezing of the frozen account can be understood as performing certain authentication on the frozen account, and after the authentication is passed, the frozen account can be recovered to be used normally. When the user needs to use the frozen account, a login request can be sent to a management platform or a server of the frozen account through the client.

Step 304, receiving the fund account association prompt information returned by the server, and inputting account information of the associated fund account according to the fund account association prompt information, so that the server associates the fund account with the frozen account;

in a specific implementation process, when a user logs in a frozen account that has been frozen, a business system (for example, a server to which the frozen account belongs) may receive a freezing request for the frozen account, and at this time, a fund account association prompting message may be returned to prompt the logged-in user to perform fund account association. After the login user sees the returned fund account association prompt information in the client used by the login user, the fund account information which the login user wants to bind to can be input according to the fund account association prompt information, such as: the name, the bank card number, the identity, the reserved mobile phone number of the bank card and the like of the owner of the bank card owned by the bank card can be filled in the page of the fund account association prompt information, and the server can associate the bank card account with the frozen account according to the account information input by the user.

And step 306, receiving and displaying the defreezing payment amount of the frozen account returned by the server after the fund account is successfully associated.

In a specific implementation process, after the fund account is successfully associated with the frozen account, the defreezing money amount corresponding to the frozen account can be determined. The defreezing payment amount can be understood as the money amount required by the unfreezing of the frozen account, namely the money amount which needs to be transferred to the frozen account, and the frozen account can be unfrozen and recovered for use. The defreezing payment amount can be determined according to the risk degree of freezing the account, such as: the higher the risk level, the higher the required defreezing payment amount, or may be determined according to the risk level of the fund account associated with the frozen account, the higher the risk level of the fund account, the higher the required defreezing payment amount. The method for determining the thawing payment amount may refer to the description of the above embodiments, and is not described herein again. And after receiving the unfreezing payment amount returned by the server, the client can display the unfreezing payment amount in an interface of the client, so that a user can transfer money according to the displayed unfreezing payment amount.

And 308, transferring an actual payment amount from the fund account to the frozen account according to the unfreezing payment amount, so that the server judges whether to unfreeze the frozen account according to the actual payment amount and the unfreezing payment amount.

In a specific implementation process, the login user can transfer a certain amount of money, namely the actual payment amount, from the fund account associated with the frozen account to the frozen account according to the received unfreezing payment amount, and the server can determine whether to pay the frozen account according to the actual payment amount and the unfreezing payment amount of the user. And if the actual payment amount is larger than or equal to the unfreezing payment amount, unfreezing the frozen account, namely recovering the normal use function of the frozen account. And if the actual payment amount is smaller than the unfreezing payment amount, the unfreezing fails, and the freezing state of the frozen account is maintained.

Of course, according to the descriptions in the foregoing embodiments, when the client performs frozen account unfreezing processing, other embodiments may also be included, and specific implementation manners may refer to the description of the corresponding method embodiment, which is not described in detail herein.

Fig. 4 is a schematic diagram illustrating the principle of frozen account unfreezing in one example of the present specification, and the limitation in fig. 4 can be understood as unfreezing in the embodiment of the present specification. The data processing procedure of frozen account unfreezing in the embodiment of the present specification is specifically described below with reference to fig. 4:

1. the black product (i.e. illegal user) controls the frozen state account (i.e. frozen account) to click to log in.

2. Login verification: and (4) freezing account identification and triggering a money-making limit-removing instruction to judge the safety of the current account. As shown in fig. 4, the security of the login account may be determined based on account information, environment information, identity information, device information, bank card information, and the like, and the specific determination method is not limited in this specification.

3. If the payment limit-removing instruction is judged to be low risk, returning to the account for unfreezing, and enabling the account to normally walk a login process; and if the risk is determined to be high, returning to the account for payment and clearing.

4. If the account payment limit-removing instruction is returned, the bank card limit-removing page is skipped, the unfreezing assistant fills in four elements (such as name, identity, bank card number and reserved mobile phone number) of the bank card and completes the binding of the bank card, namely the fund account is bound.

5. If the card binding is successful, the page of making money is displayed and a personal information safety prompt is displayed to prompt the user to pay attention to the account safety and prevent fraud.

6. And calculating the unfreezing payment amount based on the payment amount algorithm judgment (namely the payment amount strategy system in the figure 4), and making the money for the frozen account by the user according to the displayed payment amount of the page.

The real-time black product auxiliary unfreezing cost dynamic state, the limitation-removing rate of the limitation-removing bank and the electronic card attribute of the limitation-removing bank card can be added into the limitation-removing rate algorithm Based on the payment rate algorithm, and the limitation-removing threshold is improved from the limit under the condition of limiting the regional and specific bank batch. Such as: the bank card of the local city business bank is unlocked, the suspected electronic bank card of the second type and the suspected electronic bank card of the third type are unlocked, the black yield is increased, the reward of a person who is unlocked is assisted, the distance between the position of the unlocking position and the account registration is too far, and the payment unlocking degree is dynamically increased. The dynamic limit effectively prevents the black products from being returned in advance, improves the auxiliary limit-solving cost and reduces the trust of the black products and the auxiliary limit-solving persons.

7. If the abandoning or the payment amount is incorrect, maintaining the account frozen state; and if the payment amount is correct, the account is unfrozen.

8. And after 24 hours, returning the payment amount to the payment bank card. Of course, the cash-back time can be adjusted and set according to actual needs, and specific reference may be made to the description of the above embodiments, which is not described herein again.

In the embodiment of the specification, quantitative layering is performed on the attribute change condition and the limit-solving abnormal condition of the frozen accounts, so that an insensitive limit-solving channel is provided for the frozen accounts which are no longer in high risk, and meanwhile, the success rate of network crowdsourcing limit-solving is ingeniously inhibited for the high-risk frozen accounts by means of non-quota money-making verification. Besides network crowdsourcing limitation removal, the method can limit off-line black products to be pushed and removed through gift/cash attraction, and reduce the sense of trust between an auxiliary limitation removing party and a black product limitation removing requiring party, so that the success rate of account limitation freezing is reduced, and the operation thresholds of downstream gambling bankers and fraudulent collection accounts are improved. In addition, the auxiliary limit-resolving improves the safety image of the payment account and the fund, maintains the personal information safety of the limit-resolving person, and provides a safer service environment.

In the present specification, each embodiment of the method is described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. The relevant points can be obtained by referring to the partial description of the method embodiment.

Based on the frozen account unfreezing data processing method, one or more embodiments of the present specification further provide a system for processing frozen account unfreezing data. The system may include systems (including distributed systems), software (applications), modules, components, servers, clients, etc. that use the methods described in embodiments of the present specification in conjunction with any necessary hardware-implemented devices. Based on the same innovative conception, embodiments of the present specification provide an apparatus as described in the following embodiments. Since the implementation scheme of the apparatus for solving the problem is similar to that of the method, the specific apparatus implementation in the embodiment of the present specification may refer to the implementation of the foregoing method, and repeated details are not repeated. As used hereinafter, the term "unit" or "module" may be a combination of software and/or hardware that implements a predetermined function. Although the means described in the embodiments below are preferably implemented in software, an implementation in hardware, or a combination of software and hardware is also possible and contemplated.

Specifically, fig. 5 is a schematic block structure diagram of an embodiment of a data processing apparatus for frozen account unfreezing provided in this specification, where the apparatus is a management platform or a business system or a server of a frozen account in the foregoing embodiment, and as shown in fig. 5, the data processing apparatus for frozen account unfreezing provided in this specification may include: a fund account association module 51, a defreezing amount determination module 52, an actual money receiving module 53, and a defreezing processing module 54, wherein:

the fund account association module 51 is configured to return fund account association prompting information after receiving a login request of a frozen account, so that a login user associates a fund account with the frozen account according to the fund account association prompting information;

the unfreezing amount determining module 52 is used for determining and returning the unfreezing and paying amount of the frozen account after the fund account is successfully associated;

the actual money-making receiving module 53 is configured to receive an actual money-making amount transferred from the fund account associated with the frozen account to the frozen account;

and the unfreezing processing module 54 is configured to determine whether the actual payment amount is greater than or equal to the unfreezing payment amount, and if so, unfreeze the frozen account.

The data processing device for unfreezing the frozen account provided by the embodiment of the specification returns the associated prompt information of the fund account after receiving the login request of the frozen account, and prompts a login user to associate the fund account. And after the fund account is successfully associated, determining the unfreezing payment amount of the frozen account based on the related data of the frozen account, the associated fund account, the login user and the like. And the login user transfers the actual payment amount into the frozen account according to the displayed unfreezing payment amount, and determines whether to unfreeze the frozen account or not based on the actual payment amount and the unfreezing payment amount. By means of the money-making authentication, the cost of unfreezing the account by the illegal user is improved, the trust sense between the unfreezing auxiliary party, namely the login user, and the unfreezing demand party, namely the illegal user is reduced, the success rate of unfreezing the account by the illegal user is reduced, the operation threshold of unfreezing the account by the illegal user is improved, the safety of the account is ensured, a safer service environment is provided for online services, and the personal information safety of the login user is maintained.

On the basis of the above embodiments, in some embodiments of the present specification, the apparatus further includes an account risk assessment module configured to:

The embodiment of the specification simplifies the frozen accounts with high risk degree such as low-quality users, black-property (illegal) operation users, crowdsourcing limitation accounts and the like into a complicated form, reduces the crowdsourcing limitation enthusiasm and improves the abnormal unfreezing cost by a self-service fund verification mode on the premise of not blocking a limitation link so as to improve the account safety and ensure the safety of the service environment. The account freezing method has the advantages that account freezing with low risk degree such as high-account-quality users and secondary number-allocation users is simplified, sensible unfreezing is carried out, and user experience is improved.

On the basis of the above embodiments, in some embodiments of the present specification, the apparatus further includes a fund return module, configured to:

In the embodiment of the specification, the frozen account is thawed in a money-making and thawing mode, and a non-real-time money-returning mode is adopted after money making, so that the door money which is not normally thawed is further improved, the trust between an illegal user and a thawing assistant is reduced, and the thawing safety of the frozen account is improved.

On the basis of the foregoing embodiments, in some embodiments of the present specification, the apparatus further includes a refund time determining module, configured to:

On the basis of the above embodiments, in some embodiments of this specification, the thawing quota determining module is specifically configured to:

In the embodiment of the specification, the unfreezing payment amount of the frozen account is determined based on at least one of the unfreezing cost dynamic state, the unfreezing frequency of the unfreezing bank, the attribute of the electronic card of the unfreezing fund account, the distance information between the unfreezing position and the registered position and the unfreezing frequency of the login user, and the dynamic adjustment of the unfreezing payment amount is realized, so that the illegal user cannot determine the unfreezing payment amount in advance, namely the accurate unfreezing amount cannot be given to the unfreezing helper. Effectively prevent illegal user from returning money in advance, improve supplementary cost of unfreezing, reduce illegal user and the sense of trust of the assistor that unfreezes, greatly reduced illegal user's thawing rate, improved the security of online business, also ensure to know the information security of the assistor that freezes.

On the basis of the above embodiment, the fund account association module is specifically configured to:

Fig. 6 is a schematic structural diagram of a data processing apparatus for frozen account unfreezing provided in another embodiment of the present specification, where the apparatus may be understood as a client at which a login user of a frozen account is located in the above embodiment, and as shown in fig. 6, the apparatus may include:

a login request sending module 61, configured to send a login request for freezing an account to a server;

the associated account information input module 62 is configured to receive the fund account association prompt information returned by the server, and input account information of an associated fund account according to the fund account association prompt information, so that the server associates the fund account with the frozen account;

the unfreezing limit receiving module 63 is used for receiving and displaying the unfreezing money-making limit of the frozen account returned by the server after the fund account is successfully associated;

and the money making module 64 is used for transferring an actual money making amount from the fund account to the frozen account according to the unfreezing money making amount, so that the server judges whether to unfreeze the frozen account according to the actual money making amount and the unfreezing money making amount.

In the embodiment of the specification, after a login request of a frozen account is received, the fund account association prompting information is returned to prompt a login user to associate the fund account. And after the fund account is successfully associated, determining the unfreezing payment amount of the frozen account based on the related data of the frozen account, the associated fund account, the login user and the like. And the login user transfers the actual payment amount into the frozen account according to the displayed unfreezing payment amount, and determines whether to unfreeze the frozen account or not based on the actual payment amount and the unfreezing payment amount. By means of the money-making authentication, the cost of unfreezing the account by the illegal user is improved, the trust sense between the unfreezing auxiliary party, namely the login user, and the unfreezing demand party, namely the illegal user is reduced, the success rate of unfreezing the account by the illegal user is reduced, the operation threshold of unfreezing the account by the illegal user is improved, the safety of the account is ensured, a safer service environment is provided for online services, and the personal information safety of the login user is maintained.

It should be noted that the above-mentioned apparatus may also include other embodiments according to the description of the corresponding method embodiment. The specific implementation manner may refer to the description of the above corresponding method embodiment, and is not described in detail herein.

An embodiment of the present specification further provides a data processing apparatus for frozen account unfreezing, including: at least one processor and a memory for storing processor-executable instructions, the processor implementing the information recommendation data processing method of the above embodiment when executing the instructions, such as:

Or the like, or, alternatively,

sending a login request for freezing an account to a server;

Some embodiments of the present description may also provide a frozen account defreezing data processing system, which may include: a client and a server, wherein: the client can execute the method of the client where the login user of the frozen account is located, and the server can execute the method executed by the service system or platform or the server to which the frozen account belongs.

It should be noted that the descriptions of the processing device and the system according to the method embodiments may also include other embodiments. The specific implementation manner may refer to the description of the related method embodiment, and is not described in detail herein.

The frozen account unfreezing data processing device provided by the specification can also be applied to various data analysis processing systems. The system or server or terminal or processing device may be a single server, or may include a server cluster, a system (including a distributed system), software (applications), a practical operating device, a logic gate device, a quantum computer, etc. using one or more of the methods described herein or one or more embodiments of the system or server or terminal or processing device, in combination with necessary end devices implementing hardware. The system for checking for discrepancies may comprise at least one processor and a memory storing computer-executable instructions that, when executed by the processor, implement the steps of the method of any one or more of the embodiments described above.

The method embodiments provided by the embodiments of the present specification can be executed in a mobile terminal, a computer terminal, a server or a similar computing device. Taking the example of the operation on the server, fig. 7 is a hardware configuration block diagram of a data processing server for frozen account unfreezing in one embodiment of the present specification, and the computer terminal may be the data processing server for frozen account unfreezing or the data processing apparatus for frozen account unfreezing in the above embodiment. As shown in fig. 7, the server 10 may include one or more (only one shown) processors 100 (the processors 100 may include, but are not limited to, a processing device such as a microprocessor MCU or a programmable logic device FPGA, etc.), a non-volatile memory 200 for storing data, and a transmission module 300 for communication functions. It will be understood by those skilled in the art that the structure shown in fig. 7 is only an illustration and is not intended to limit the structure of the electronic device. For example, the server 10 may also include more or fewer components than shown in FIG. 7, and may also include other processing hardware, such as a database or multi-level cache, a GPU, or have a different configuration than shown in FIG. 7, for example.

The non-volatile memory 200 may be configured to store software programs and modules of application software, such as program instructions/modules corresponding to the data processing method for freezing account unfreezing in the embodiment of the present specification, and the processor 100 executes various functional applications and resource data updates by executing the software programs and modules stored in the non-volatile memory 200. Non-volatile memory 200 may include high-speed random access memory, and may also include non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some examples, the non-volatile memory 200 may further include memory located remotely from the processor 100, which may be connected to a computer terminal through a network. Examples of such networks include, but are not limited to, the internet, intranets, office-to-network, mobile communication networks, and combinations thereof.

The transmission module 300 is used for receiving or transmitting data via a network. Specific examples of the network described above may include a wireless network provided by a communication provider of the computer terminal. In one example, the transmission module 300 includes a Network adapter (NIC) that can be connected to other Network devices through a base station so as to communicate with the internet. In one example, the transmission module 300 may be a Radio Frequency (RF) module, which is used for communicating with the internet in a wireless manner.

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 method or apparatus provided in this specification and described in the foregoing embodiments may implement service logic through a computer program and record the service logic on a storage medium, where the storage medium may be read and executed by a computer, and implement the effects of the solutions described in the embodiments of this specification, such as:

Or the like, or, alternatively,

sending a login request for freezing an account to a server;

The storage medium may include a physical device for storing information, and typically, the information is digitized and then stored using an electrical, magnetic, or optical media. The storage medium may include: devices that store information using electrical energy, such as various types of memory, e.g., RAM, ROM, etc.; devices that store information using magnetic energy, such as hard disks, floppy disks, tapes, core memories, bubble memories, and usb disks; devices that store information optically, such as CDs or DVDs. Of course, there are other ways of storing media that can be read, such as quantum memory, graphene memory, and so forth.

The data processing method or apparatus for frozen account unfreezing provided in the embodiment of the present specification may be implemented in a computer by a processor executing corresponding program instructions, for example, implemented in a PC end using a c + + language of a windows operating system, implemented in a linux system, or implemented in an intelligent terminal using android and iOS system programming languages, implemented in processing logic based on a quantum computer, or the like.

It should be noted that descriptions of the apparatus, the computer storage medium, and the system described above according to the related method embodiments may also include other embodiments, and specific implementations may refer to descriptions of corresponding method embodiments, which are not described in detail herein.

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments may be referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the hardware + program class embodiment, since it is substantially similar to the method embodiment, the description is simple, and the relevant points can be referred to only the partial description of the method embodiment.

The embodiments of the present description are not limited to what must be consistent with industry communications standards, standard computer resource data updating and data storage rules, or what is described in one or more embodiments of the present description. Certain industry standards, or implementations modified slightly from those described using custom modes or examples, may also achieve the same, equivalent, or similar, or other, contemplated implementations of the above-described examples. The embodiments using the modified or transformed data acquisition, storage, judgment, processing and the like can still fall within the scope of the alternative embodiments of the embodiments in this specification.

In the 90 s of the 20 th century, improvements in a technology could clearly distinguish between improvements in hardware (e.g., improvements in circuit structures such as diodes, transistors, switches, etc.) and improvements in software (improvements in process flow). However, as technology advances, many of today's process flow improvements have been seen as direct improvements in hardware circuit architecture. Designers almost always obtain the corresponding hardware circuit structure by programming an improved method flow into the hardware circuit. Thus, it cannot be said that an improvement in the process flow cannot be realized by hardware physical modules. For example, a Programmable Logic Device (PLD), such as a Field Programmable Gate Array (FPGA), is an integrated circuit whose Logic functions are determined by programming the Device by a user. A digital system is "integrated" on a PLD by the designer's own programming without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Furthermore, nowadays, instead of manually making an integrated Circuit chip, such Programming is often implemented by "logic compiler" software, which is similar to a software compiler used in program development and writing, but the original code before compiling is also written by a specific Programming Language, which is called Hardware Description Language (HDL), and HDL is not only one but many, such as abel (advanced Boolean Expression Language), ahdl (alternate Language Description Language), traffic, pl (core unified Programming Language), HDCal, JHDL (Java Hardware Description Language), langue, Lola, HDL, laspam, hardsradware (Hardware Description Language), vhjhd (Hardware Description Language), and vhigh-Language, which are currently used in most common. It will also be apparent to those skilled in the art that hardware circuitry that implements the logical method flows can be readily obtained by merely slightly programming the method flows into an integrated circuit using the hardware description languages described above.

The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, an Application Specific Integrated Circuit (ASIC), a programmable logic controller, and an embedded microcontroller, examples of which include, but are not limited to, the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic for the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller as pure computer readable program code, the same functionality can be implemented by logically programming method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers and the like. Such a controller may thus be considered a hardware component, and the means included therein for performing the various functions may also be considered as a structure within the hardware component. Or even means for performing the functions may be regarded as being both a software module for performing the method and a structure within a hardware component.

The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a vehicle-mounted human-computer interaction device, a cellular telephone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

Although one or more embodiments of the present description provide method operational steps as described in the embodiments or flowcharts, more or fewer operational steps may be included based on conventional or non-inventive approaches. The order of steps recited in the embodiments is merely one manner of performing the steps in a multitude of orders and does not represent the only order of execution. When the device or the end product in practice executes, it can execute sequentially or in parallel according to the method shown in the embodiment or the figures (for example, in the environment of parallel processors or multi-thread processing, even in the environment of distributed resource data update). The terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, the presence of additional identical or equivalent elements in a process, method, article, or apparatus that comprises the recited elements is not excluded. The terms first, second, etc. are used to denote names, but not any particular order.

For convenience of description, the above devices are described as being divided into various modules by functions, and are described separately. Of course, when implementing one or more of the present description, the functions of each module may be implemented in one or more software and/or hardware, or a module implementing the same function may be implemented by a combination of multiple sub-modules or sub-units, etc. The above-described embodiments of the apparatus are merely illustrative, and for example, the division of the units is only one logical division, and other divisions may be realized in practice, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.

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

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

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

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

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

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

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

One or more embodiments of the present description may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. One or more embodiments of the present specification can also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments may be referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for system embodiments, since they are substantially similar to method embodiments, the description is relatively simple, and the relevant points can be referred to only part of the description of the method embodiments. In the description of the specification, reference to the description of the term "one embodiment," "some embodiments," "an example," "a specific example," or "some examples," etc., means that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the specification. In this specification, the schematic representations of the terms used above are not necessarily intended to refer to the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. Furthermore, various embodiments or examples and features of different embodiments or examples described in this specification can be combined and combined by one skilled in the art without contradiction.

The above description is merely exemplary of one or more embodiments of the present disclosure and is not intended to limit the scope of one or more embodiments of the present disclosure. Various modifications and alterations to one or more embodiments described herein will be apparent to those skilled in the art. Any modification, equivalent replacement, improvement or the like made within the spirit and principle of the present specification should be included in the scope of the claims.

Claims

1. A data processing method of frozen account unfreezing, the method comprising:

2. The method of claim 1, further comprising:

3. The method of claim 1, further comprising:

4. The method of claim 2, further comprising:

5. The method as claimed in claim 1, wherein the method of determining the thawing payment amount comprises:

6. The method of claim 1, the returning of the funding account association prompt for the logged-in user to associate the funding account with the frozen account based on the funding account association prompt, comprising:

7. A data processing method of frozen account unfreezing, the method comprising:

sending a login request for freezing an account to a server;

8. A data processing apparatus for frozen account unfreezing, comprising:

9. The apparatus of claim 8, the apparatus further comprising an account risk assessment module to:

10. The apparatus of claim 8, further comprising a return of funds module to:

11. The apparatus of claim 9, further comprising a refund time determination module to:

12. The device of claim 8, wherein the defrosting credit determination module is specifically configured to:

13. The apparatus of claim 8, the funding account association module to:

14. A data processing apparatus for frozen account unfreezing, comprising:

15. A data processing apparatus for frozen account unfreezing, comprising: at least one processor and a memory for storing processor-executable instructions, the processor implementing the method of any one of claims 1-7 when executing the instructions.