CN112017029A - Information prompting method and device - Google Patents
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- CN112017029A CN112017029A CN202010900574.XA CN202010900574A CN112017029A CN 112017029 A CN112017029 A CN 112017029A CN 202010900574 A CN202010900574 A CN 202010900574A CN 112017029 A CN112017029 A CN 112017029A
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Abstract
The invention provides an information prompting method and device, wherein historical transaction data of a credit card is input into an identification model to obtain an identification result of the credit card, if the identification result represents that debit card data exists in the historical transaction data, first prompting information is sent to a credit card holder when the debit card verification rule is met and the association degree of the holder and a user does not meet the association rule, if the identification result represents that cash register data exists in the historical transaction data or the cash register data and the debit card data exist, adjustment operation is carried out on the consumption amount of the credit card, second prompting information is sent to the holder when the historical transaction data meets the debit card verification rule, and otherwise, third prompting information is sent. Because the preset identification rule in the identification model is set according to the characteristics of the card borrowing data and the cash register data, the identification model can identify the card borrowing data and the cash register data, and corresponding prompt information is sent to the credit card holder based on the identification result, so that the loss of the holder is reduced.
Description
Technical Field
The invention relates to the field of credit card finance, in particular to an information prompting method and device.
Background
With the development of economy and the improvement of consumption level of people, the credit card has the advantages of convenience, rapidness, early consumption and the like, is favored by people more and more, but has some potential safety hazards, such as cash register and card borrowing. The credit card cashing means that the credit card holder or the user does not withdraw cash by normal means, but cash the fund in the credit line of the card by other means, and meanwhile, the behavior of not paying the bank cashing fee is realized; credit card borrowing is used to indicate that the user and holder of the credit card are not the same person. The cash register and debit of the credit card increases the financial risk, resulting in the failure of the credit card holder to make timely payment or affect the credit card holder's credit.
Therefore, how to identify the actions of cash register and card borrowing of the credit card and remind the credit card holder to reduce the loss of the credit card holder is a problem that needs to be solved by those skilled in the art.
Disclosure of Invention
The application provides an information prompting method to realize the identification of the cash register and the card borrowing behavior of a credit card and remind a credit card holder, thereby reducing the loss of the credit card holder.
The invention also provides an information prompting device used for ensuring the realization and the application of the method in practice.
An information prompting method comprises the following steps:
acquiring historical transaction data of a credit card;
inputting historical transaction data of the credit card into a preset identification model to obtain an identification result of the credit card output by the identification model; the identification model comprises a preset identification rule, and the identification rule is set according to the card borrowing data characteristic and the cash register data characteristic;
if the identification result represents that the historical transaction data of the credit card contains card borrowing data, judging whether the historical transaction data meets a card borrowing verification rule or not, and if so, sending first prompt information to the holder of the credit card when the association degree between the holder of the credit card and the user of the credit card does not meet a preset association rule; the first prompt message is used for prompting the holder of the credit card to retrieve the credit card;
if the identification result represents that the historical transaction data of the credit card contains card borrowing data and cash register data, adjusting the consumption amount of the credit card, judging whether the historical transaction data meets the card borrowing verification rule, if so, sending second prompt information to the holder of the credit card, and if not, sending third prompt information to the holder of the credit card; the second prompt message is used for prompting the holder of the credit card to retrieve the credit card and prompting that the consumption amount of the credit card is adjusted, and the third prompt message is used for prompting that the consumption amount of the credit card is adjusted;
and if the identification result represents that cash register data exists in the historical transaction data of the credit card, executing the adjustment operation on the consumption amount of the credit card, and sending third prompt information to the holder of the credit card.
Optionally, the method for determining whether the historical transaction data meets the card borrowing verification rule includes:
calculating the average time length of the password input by the user of the credit card according to the historical transaction data of the credit card;
judging whether a calculated value between the average time length and a preset password input time length corresponding to the credit card is larger than a first threshold value or not;
if the transaction location is larger than the preset transaction location, acquiring the identity information of the user of the credit card by calling a merchant camera based on the transaction location contained in the historical transaction data of the credit card, and comparing the identity information of the user of the credit card with the pre-stored identity information of the holder of the credit card;
if the comparison is inconsistent, the historical transaction data is judged to meet the card borrowing verification rule.
The above method, optionally, further includes:
and if the calculated value between the average time length and the preset password input time length corresponding to the credit card is not greater than a first threshold value, judging that the historical transaction data does not meet the card borrowing verification rule.
The above method, optionally, further includes:
and if the identity information of the user of the credit card is consistent with the identity information of the holder of the credit card of the pre-depositor, judging that the historical transaction data does not meet the card borrowing verification rule.
The above method, optionally, further includes:
and if the association degree between the holder of the credit card and the user of the credit card meets a preset association rule, not sending first prompt information to the holder of the credit card.
An information presentation device comprising:
an acquisition unit for acquiring historical transaction data of a credit card;
the input unit is used for inputting the historical transaction data of the credit card into a preset identification model to obtain the identification result of the credit card output by the identification model; the identification model comprises a preset identification rule, and the identification rule is set according to the card borrowing data characteristic and the cash register data characteristic;
the first sending unit is used for judging whether the historical transaction data meet a debit card verification rule or not if the identification result represents that debit card data exist in the historical transaction data of the credit card, and sending first prompt information to the holder of the credit card if the historical transaction data meet the debit card verification rule and if the historical transaction data do not meet the preset association rule, and the association degree between the holder of the credit card and the user of the credit card does not meet the preset association rule; the first prompt message is used for prompting the holder of the credit card to retrieve the credit card;
the second sending unit is used for executing adjustment operation on the consumption amount of the credit card and judging whether the historical transaction data meet the debit card verification rule or not if the identification result represents that debit card data and cash register data exist in the historical transaction data of the credit card, if so, sending second prompt information to the holder of the credit card, and if not, sending third prompt information to the holder of the credit card; the second prompt message is used for prompting the holder of the credit card to retrieve the credit card and prompting that the consumption amount of the credit card is adjusted, and the third prompt message is used for prompting that the consumption amount of the credit card is adjusted;
and the third sending unit is used for executing the adjustment operation on the consumption amount of the credit card and sending third prompt information to the holder of the credit card if the identification result represents that cash register data exists in the historical transaction data of the credit card.
Optionally, in the apparatus described above, the first sending unit is configured to perform judgment on whether the historical transaction data meets a card borrowing verification rule, and is configured to:
calculating the average time length of the password input by the user of the credit card according to the historical transaction data of the credit card;
judging whether a calculated value between the average time length and a preset password input time length corresponding to the credit card is larger than a first threshold value or not;
if the transaction location is larger than the preset transaction location, acquiring the identity information of the user of the credit card by calling a merchant camera based on the transaction location contained in the historical transaction data of the credit card, and comparing the identity information of the user of the credit card with the pre-stored identity information of the holder of the credit card;
if the comparison is inconsistent, the historical transaction data is judged to meet the card borrowing verification rule.
The above apparatus, optionally, further comprises:
and the first judgment subunit is used for judging that the historical transaction data does not meet the card borrowing verification rule if the calculated value between the average time length and the preset password input time length corresponding to the credit card is not greater than a first threshold value.
The above apparatus, optionally, further comprises:
and the second judgment subunit is used for judging that the historical transaction data does not meet the card borrowing verification rule if the identity information of the user of the credit card is consistent with the identity information of the holder of the credit card who is stored in advance.
The above apparatus, optionally, further comprises:
and the execution subunit is used for not sending the first prompt message to the holder of the credit card if the association degree between the holder of the credit card and the user of the credit card meets a preset association rule.
A storage medium comprises stored instructions, wherein when the instructions are executed, a device where the storage medium is located is controlled to execute the information prompting method.
An electronic device comprising a memory, and one or more instructions, wherein the one or more instructions are stored in the memory and configured to be executed by the one or more processors to perform the above-described information prompting method.
Compared with the prior art, the invention has the following advantages:
the invention provides an information prompting method and device, wherein the method comprises the following steps: obtaining the historical transaction data of a credit card, inputting the historical transaction data into a preset identification model to obtain the identification result of the credit card output by the identification model, if the identification result represents that the credit card exists in the historical transaction data of the credit card, sending first prompt information to a holder of the credit card to prompt the holder of the credit card to retrieve the credit card under the condition that the historical transaction data meets the credit card verification rule and the association degree between the holder of the credit card and a user of the credit card does not meet the preset association rule, if the identification result represents that the credit card exists in the historical transaction data of the credit card, sending second prompt information to the holder of the credit card to prompt the holder of the credit card to retrieve the credit card, And when the historical transaction data does not meet the second check rule or the identification result represents that cash register data exists in the historical transaction data of the credit card, sending third prompt information to the holder of the credit card to prompt that the consumption amount of the credit card is adjusted. Because the identification rule is preset in the identification model and is set according to the debit card data characteristic and the cash register data characteristic, the identification model can carry out debit card data identification and cash register data identification on historical transaction data, and corresponding prompt information is sent to a credit card holder based on an identification result output by the identification model, so that the loss of the credit card holder is reduced.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the provided drawings without creative efforts.
FIG. 1 is a flow chart of a method of an information prompting method provided by the present invention;
FIG. 2 is a flowchart of another method of an information prompting method provided by the present invention;
fig. 3 is a schematic structural diagram of an information prompt apparatus provided in the present invention;
fig. 4 is a schematic structural diagram of an electronic device provided in the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
An embodiment of the present invention provides an information prompting method, which may be applied to a plurality of system platforms, where an execution main body of the information prompting method may be a processor running on a computer, and a flowchart of the information prompting method is shown in fig. 1, and specifically includes:
s101, obtaining historical transaction data of the credit card.
Acquiring historical transaction data of the credit card, and optionally acquiring the historical transaction data of the credit card from a bank system background, wherein the historical transaction data can be transaction data in one month.
S102, inputting the historical transaction data of the credit card into a preset identification model to obtain the identification result of the credit card output by the identification model.
Inputting the historical transaction data of the credit card into a preset identification model to obtain an identification result of the credit card output by the identification model, wherein the identification model comprises a preset identification rule, and the identification rule is set according to the data characteristics of the debit card and the cash register data. Cash-out data features include, but are not limited to, total consumption reaching more than eighty percent of the spending limit three days after the credit card billing day, or consumer goods being held in two or three homes and being less relevant to the job of the credit card holder.
The identification result of the credit card includes one of the following four identification results:
(1) the identification result represents that the historical transaction data only comprises the card borrowing data.
(2) The identification result represents that only cash-out data is contained in the historical transaction data.
(3) The identification result representation historical transaction data comprises card borrowing data and cash register data.
(4) The identification result represents that the historical transaction data does not contain card borrowing data and cash register data.
S103, if the identification result represents that the credit card data exists in the historical transaction data of the credit card, judging whether the historical transaction data meets a debit card verification rule, and if so, sending first prompt information to the credit card holder when the association degree between the credit card holder and the credit card user does not meet a preset association rule.
If the identification result represents that the historical transaction data of the credit card contains the card borrowing data, that is, the identification result represents that the historical transaction data of the credit card only contains the card borrowing data, whether the historical transaction data meets the card borrowing verification rule or not is further judged, that is, whether a user and a holder of the credit card are the same person or not is further determined, and optionally, the historical transaction data can be judged through average time of password input and comparison between identity information of the user of the credit card and identity information of the holder.
If the historical transaction data satisfies the debit card verification rule, it indicates that the current non-holder of the credit card is in use, i.e. the user and the holder of the credit card are not the same person, and obtains the association degree between the holder of the credit card and the user of the credit card, specifically, the public security system can inquire the association degree between the credit card holder and the credit card user, namely, the relationship between the credit card holder and the credit card user, judge whether the association degree between the credit card holder and the user meets the preset association rule, alternatively, the association rule may be a third generation relationship, when the association degree between the holder and the user of the credit card does not satisfy the third generation relationship, a first prompt message is sent to the holder of the credit card for prompting the holder of the credit card to retrieve the credit card.
If the association degree between the holder of the credit card and the user meets the association rule, namely when the holder of the credit card and the user meet the three-generation relationship, the first prompt message is not sent to the holder of the credit card.
And S104, if the identification result represents that the historical transaction data of the credit card contains the card borrowing data and the cash register data, adjusting the consumption amount of the credit card, judging whether the historical transaction data meets the card borrowing verification rule, if so, sending second prompt information to the holder of the credit card, and if not, sending third prompt information to the holder of the credit card.
If the identification result indicates that the credit card historical transaction data contains the card borrowing data and the cash register data, the adjustment operation is performed on the consumption amount of the credit card, optionally, the down-adjustment operation can be performed on the consumption amount of the credit card, and the specific adjustment operation can be manually set, which is not limited here.
And optionally, the historical transaction data can be judged by comparing the average time of password input and the identity information of the user of the credit card with the identity information of the holder. If yes, the user and the holder of the credit card are different, and second prompt information is sent to the holder of the credit card, and the second prompt information is used for prompting the holder of the credit card to fetch the credit card and prompting that the consumption amount of the credit card is adjusted. If the historical transaction data does not meet the debit card verification data, the user and the holder of the credit card are the same person, the identification result is equivalent to the fact that only cash register data exist in the historical transaction data representing the credit card, namely the transaction data comprises the cash register data of the credit card holder, and third prompt information is sent to the credit card holder to prompt that the consumption amount of the credit card is limited.
And S105, if the identification result represents that cash register data exists in the historical transaction data of the credit card, adjusting the consumption amount of the credit card, and sending third prompt information to the holder of the credit card.
And if the identification result represents that cash register data exists in the historical transaction data of the credit card, namely the identification result represents that only cash register data exists in the historical transaction data of the credit card, performing adjustment operation on the consumption amount of the credit card, and sending third prompt information to the holder of the credit card, wherein the third prompt information is used for prompting that the consumption amount of the credit card is adjusted.
It should be noted that, in the method provided by the embodiment of the present invention, the historical transaction data of a plurality of credit cards may be processed at the same time, and the historical transaction data of the plurality of credit cards is input to the identification model, so that the identification model performs preliminary screening on abnormal credit cards, that is, the credit cards with debit card data and/or cash register data in the historical transaction data are screened out, thereby reducing the subsequent computation amount.
The information prompting method provided by the embodiment of the invention comprises the steps of acquiring historical transaction data of a credit card, inputting the historical transaction data into a preset identification model to obtain an identification result of the credit card output by the identification model, if the identification result represents that debit card data exists in the historical transaction data of the credit card, sending first prompting information to a holder of the credit card to prompt the holder of the credit card to take the credit card when the association degree between the holder of the credit card and a user of the credit card does not meet the preset association rule under the condition that the historical transaction data meets the debit card verification rule, if the identification result represents that the debit card data and cash register data exist in the historical transaction data of the credit card, executing adjustment operation on the consumption amount of the credit card, and sending second prompting information to the holder of the credit card when the historical transaction data meets the debit card verification rule, and prompting the credit card holder to retrieve the credit card and the consumption amount of the credit card is adjusted, and when the historical transaction data does not meet the second check rule or the identification result indicates that cash register data exists in the historical transaction data of the credit card, sending third prompting information to the credit card holder to prompt that the consumption amount of the credit card is adjusted. By applying the information prompting method provided by the embodiment of the invention, because the identification rule is preset in the identification model and is set according to the debit card data characteristic and the cash register data characteristic, the identification model can carry out debit card data identification and cash register data identification on historical transaction data, and sends corresponding prompting information to a credit card holder based on the identification result output by the identification model, thereby reducing the loss of the credit card holder, and meanwhile, if the identification result represents that the cash register data exists in the historical transaction data, the information prompting method carries out adjustment operation on the consumption amount of the credit card, thereby reducing the bank risk.
In the above embodiment of the present invention, the step S103 disclosed in fig. 1 relates to determining whether the historical transaction data meets the card borrowing verification rule, and the flowchart is shown in fig. 2, and includes the following steps:
s201, calculating the average time length of the password input by the user of the credit card according to the historical transaction data of the credit card.
And calculating the average value of the password input time length according to the password input time length of each transaction credit card user in the historical transaction data of the credit card, and obtaining the average time length of the password input by the credit card user.
S202, whether a calculated value between the average time length and a preset password input time length corresponding to the credit card is larger than a first threshold value or not is judged.
The method includes the steps of obtaining preset password input time corresponding to a preset credit card, wherein the preset password input time can be obtained through calculation according to historical transaction data of the credit card in a preset time period, and calculating an average value based on the password input time contained in the historical transaction data in the preset time period to obtain the preset password input time corresponding to the credit card.
It should be noted that the historical transaction data in the preset time period may be historical transaction data of the last years.
And calculating a calculated value between the average time length for inputting the password by the credit card user and the preset password input time length corresponding to the credit card, wherein the calculated value can be a difference value, a ratio value or the like.
And judging whether the calculated value between the average time length and the preset password input time length corresponding to the credit card is greater than a first threshold value, if so, executing the step S203, and if not, executing the step S204.
S203, acquiring the identity information of the user of the credit card by calling a merchant camera based on the transaction place contained in the historical transaction data of the credit card.
If the calculated value between the average time length and the preset password input time length corresponding to the credit card is larger than the first threshold value, the picture of the credit card user is shot through a camera of a merchant based on the transaction place contained in the historical transaction data of the credit card, and therefore the identity information of the credit card user is obtained based on the picture of the credit card user.
And S204, judging that the historical transaction data does not meet the card borrowing verification data.
If the calculated value between the average time length and the preset password input time length corresponding to the credit card is not more than the first threshold value, or the calculated value between the average time length and the preset password input time length corresponding to the credit card is more than the first threshold value, but the identity information of the user of the credit card is consistent with the identity information of the holder of the credit card, the fact that the user and the holder of the credit card are the same person is indicated, card borrowing data does not exist, and it is judged that the historical transaction data does not meet card borrowing verification data.
S205, whether the identity information of the user of the credit card is consistent with the pre-stored identity information of the owner of the credit card or not is judged.
The method comprises the steps of acquiring pre-stored identity information of a credit card holder, comparing the identity information of a credit card user with the identity information of the credit card holder, executing a step S204 if the comparison is consistent, and executing a step S206 if the comparison is inconsistent.
And S206, judging that the historical transaction data meets the card borrowing verification data.
If the identity information of the user of the credit card is inconsistent with the identity information of the holder of the credit card, the user and the holder of the credit card are not the same person, and the historical transaction data is judged to meet the debit card verification data.
In the method provided by the embodiment of the invention, the historical transaction data is judged by comparing the average time of password input and the identity information of a credit card user with the identity information of a holder. Therefore, whether the historical transaction data contains the card borrowing data or not can be accurately judged.
It should be noted that, in the case that the identification result indicates that the credit card historical transaction data includes the card borrowing data and the cash registering data, the determination process of determining whether the historical transaction data meets the card borrowing verification rule is the same as that described in the above embodiment with reference to fig. 2, and details thereof are omitted.
Corresponding to the method described in fig. 1, an embodiment of the present invention further provides an information prompting apparatus, which is used for specifically implementing the method in fig. 1, and a schematic structural diagram of the information prompting apparatus is shown in fig. 3, and specifically includes:
an acquisition unit 301 for acquiring historical transaction data of a credit card;
the input unit 302 is configured to input historical transaction data of the credit card into a preset identification model, so as to obtain an identification result of the credit card output by the identification model; the identification model comprises a preset identification rule, and the identification rule is set according to the card borrowing data characteristic and the cash register data characteristic;
a first sending unit 303, configured to determine whether the historical transaction data meets a debit card verification rule if the identification result indicates that debit card data exists in the historical transaction data of the credit card, and if so, send first prompt information to the holder of the credit card when a degree of association between the holder of the credit card and the user of the credit card does not meet a preset association rule; the first prompt message is used for prompting the holder of the credit card to retrieve the credit card;
a second sending unit 304, configured to, if the identification result indicates that there are card borrowing data and cash register data in the historical transaction data of the credit card, perform an adjustment operation on a consumption amount of the credit card, and determine whether the historical transaction data meets the card borrowing verification rule, if yes, send second prompt information to the holder of the credit card, and if not, send third prompt information to the holder of the credit card; the second prompt message is used for prompting the holder of the credit card to retrieve the credit card and prompting that the consumption amount of the credit card is adjusted, and the third prompt message is used for prompting that the consumption amount of the credit card is adjusted;
a third sending unit 305, configured to, if the identification result indicates that cash-out data exists in the historical transaction data of the credit card, perform the adjustment operation on the credit card consumption limit, and send a third prompt message to the credit card holder.
The information prompting device provided by the embodiment of the invention acquires the historical transaction data of the credit card, inputs the historical transaction data into the preset identification model to obtain the identification result of the credit card output by the identification model, sends first prompting information to the holder of the credit card to prompt the holder of the credit card to retrieve the credit card when the association degree between the holder of the credit card and the user of the credit card does not meet the preset association rule under the condition that the historical transaction data meets the debit card verification rule if the identification result represents that the historical transaction data of the credit card contains debit card data and cash register data, carries out adjustment operation on the consumption amount of the credit card and sends second prompting information to the holder of the credit card when the historical transaction data meets the debit card verification rule, and prompting the credit card holder to retrieve the credit card and the consumption amount of the credit card is adjusted, and when the historical transaction data does not meet the second check rule or the identification result indicates that cash register data exists in the historical transaction data of the credit card, sending third prompting information to the credit card holder to prompt that the consumption amount of the credit card is adjusted. By applying the information prompting device provided by the embodiment of the invention, because the identification rule is preset in the identification model and is set according to the debit card data characteristic and the cash register data characteristic, the identification model can carry out debit card data identification and cash register data identification on historical transaction data, and sends corresponding prompting information to a credit card holder based on the identification result output by the identification model, thereby reducing the loss of the credit card holder, and meanwhile, if the identification result represents that the cash register data exists in the historical transaction data, the information prompting device carries out adjustment operation on the consumption amount of the credit card, thereby reducing the bank risk.
In an embodiment of the present invention, based on the foregoing solution, the first sending unit 303 performs the determination whether the historical transaction data satisfies the card borrowing verification rule, so as to:
calculating the average time length of the password input by the user of the credit card according to the historical transaction data of the credit card;
judging whether a calculated value between the average time length and a preset password input time length corresponding to the credit card is larger than a first threshold value or not;
if the transaction location is larger than the preset transaction location, acquiring the identity information of the user of the credit card by calling a merchant camera based on the transaction location contained in the historical transaction data of the credit card, and comparing the identity information of the user of the credit card with the pre-stored identity information of the holder of the credit card;
if the comparison is inconsistent, the historical transaction data is judged to meet the card borrowing verification rule.
In an embodiment of the present invention, based on the foregoing solution, the method may further include:
and the first judgment subunit is used for judging that the historical transaction data does not meet the card borrowing verification rule if the calculated value between the average time length and the preset password input time length corresponding to the credit card is not greater than a first threshold value.
In an embodiment of the present invention, based on the foregoing solution, the method may further include:
and the second judgment subunit is used for judging that the historical transaction data does not meet the card borrowing verification rule if the identity information of the user of the credit card is consistent with the identity information of the holder of the credit card who is stored in advance.
In an embodiment of the present invention, based on the foregoing solution, the method may further include:
and the execution subunit is used for not sending the first prompt message to the holder of the credit card if the association degree between the holder of the credit card and the user of the credit card meets a preset association rule.
The embodiment of the present invention further provides a storage medium, where the storage medium includes a stored instruction, where when the instruction runs, the apparatus where the storage medium is located is controlled to perform the following operations:
acquiring historical transaction data of a credit card;
inputting historical transaction data of the credit card into a preset identification model to obtain an identification result of the credit card output by the identification model; the identification model comprises a preset identification rule, and the identification rule is set according to the card borrowing data characteristic and the cash register data characteristic;
if the identification result represents that the historical transaction data of the credit card contains card borrowing data, judging whether the historical transaction data meets a card borrowing verification rule or not, and if so, sending first prompt information to the holder of the credit card when the association degree between the holder of the credit card and the user of the credit card does not meet a preset association rule; the first prompt message is used for prompting the holder of the credit card to retrieve the credit card;
if the identification result represents that the historical transaction data of the credit card contains card borrowing data and cash register data, adjusting the consumption amount of the credit card, judging whether the historical transaction data meets the card borrowing verification rule, if so, sending second prompt information to the holder of the credit card, and if not, sending third prompt information to the holder of the credit card; the second prompt message is used for prompting the holder of the credit card to retrieve the credit card and prompting that the consumption amount of the credit card is adjusted, and the third prompt message is used for prompting that the consumption amount of the credit card is adjusted;
and if the identification result represents that cash register data exists in the historical transaction data of the credit card, executing the adjustment operation on the consumption amount of the credit card, and sending third prompt information to the holder of the credit card.
An electronic device is provided in an embodiment of the present invention, and the structural diagram of the electronic device is shown in fig. 4, which specifically includes a memory 401 and one or more instructions 402, where the one or more instructions 402 are stored in the memory 401 and configured to be executed by one or more processors 403 to perform the following operations for executing the one or more instructions 402:
acquiring historical transaction data of a credit card;
inputting historical transaction data of the credit card into a preset identification model to obtain an identification result of the credit card output by the identification model; the identification model comprises a preset identification rule, and the identification rule is set according to the card borrowing data characteristic and the cash register data characteristic;
if the identification result represents that the historical transaction data of the credit card contains card borrowing data, judging whether the historical transaction data meets a card borrowing verification rule or not, and if so, sending first prompt information to the holder of the credit card when the association degree between the holder of the credit card and the user of the credit card does not meet a preset association rule; the first prompt message is used for prompting the holder of the credit card to retrieve the credit card;
if the identification result represents that the historical transaction data of the credit card contains card borrowing data and cash register data, adjusting the consumption amount of the credit card, judging whether the historical transaction data meets the card borrowing verification rule, if so, sending second prompt information to the holder of the credit card, and if not, sending third prompt information to the holder of the credit card; the second prompt message is used for prompting the holder of the credit card to retrieve the credit card and prompting that the consumption amount of the credit card is adjusted, and the third prompt message is used for prompting that the consumption amount of the credit card is adjusted;
and if the identification result represents that cash register data exists in the historical transaction data of the credit card, executing the adjustment operation on the consumption amount of the credit card, and sending third prompt information to the holder of the credit card.
It should be noted that, in the present specification, the embodiments are all described in a progressive manner, each embodiment focuses on differences from other embodiments, and the same and similar parts among the embodiments may be referred to each other. For the device-like embodiment, since it is basically similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.
Finally, it should also be noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.
For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functions of the units may be implemented in the same software and/or hardware or in a plurality of software and/or hardware when implementing the invention.
From the above description of the embodiments, it is clear to those skilled in the art that the present invention can be implemented by software plus necessary general hardware platform. Based on such understanding, the technical solutions of the present invention may be embodied in the form of a software product, which may be stored in a storage medium, such as ROM/RAM, magnetic disk, optical disk, etc., and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to execute the method according to the embodiments or some parts of the embodiments.
The information prompting method and the information prompting device provided by the invention are described in detail, a specific example is applied in the text to explain the principle and the implementation mode of the invention, and the description of the embodiment is only used for helping to understand the method and the core idea of the invention; meanwhile, for a person skilled in the art, according to the idea of the present invention, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present invention.
Claims (10)
1. An information prompting method, comprising:
acquiring historical transaction data of a credit card;
inputting historical transaction data of the credit card into a preset identification model to obtain an identification result of the credit card output by the identification model; the identification model comprises a preset identification rule, and the identification rule is set according to the card borrowing data characteristic and the cash register data characteristic;
if the identification result represents that the historical transaction data of the credit card contains card borrowing data, judging whether the historical transaction data meets a card borrowing verification rule or not, and if so, sending first prompt information to the holder of the credit card when the association degree between the holder of the credit card and the user of the credit card does not meet a preset association rule; the first prompt message is used for prompting the holder of the credit card to retrieve the credit card;
if the identification result represents that the historical transaction data of the credit card contains card borrowing data and cash register data, adjusting the consumption amount of the credit card, judging whether the historical transaction data meets the card borrowing verification rule, if so, sending second prompt information to the holder of the credit card, and if not, sending third prompt information to the holder of the credit card; the second prompt message is used for prompting the holder of the credit card to retrieve the credit card and prompting that the consumption amount of the credit card is adjusted, and the third prompt message is used for prompting that the consumption amount of the credit card is adjusted;
and if the identification result represents that cash register data exists in the historical transaction data of the credit card, executing the adjustment operation on the consumption amount of the credit card, and sending third prompt information to the holder of the credit card.
2. The method of claim 1, wherein said determining whether said historical transaction data satisfies debit card verification rules comprises:
calculating the average time length of the password input by the user of the credit card according to the historical transaction data of the credit card;
judging whether a calculated value between the average time length and a preset password input time length corresponding to the credit card is larger than a first threshold value or not;
if the transaction location is larger than the preset transaction location, acquiring the identity information of the user of the credit card by calling a merchant camera based on the transaction location contained in the historical transaction data of the credit card, and comparing the identity information of the user of the credit card with the pre-stored identity information of the holder of the credit card;
if the comparison is inconsistent, the historical transaction data is judged to meet the card borrowing verification rule.
3. The method of claim 2, further comprising:
and if the calculated value between the average time length and the preset password input time length corresponding to the credit card is not greater than a first threshold value, judging that the historical transaction data does not meet the card borrowing verification rule.
4. The method of claim 2, further comprising:
and if the identity information of the user of the credit card is consistent with the identity information of the holder of the credit card of the pre-depositor, judging that the historical transaction data does not meet the card borrowing verification rule.
5. The method of claim 1, further comprising:
and if the association degree between the holder of the credit card and the user of the credit card meets a preset association rule, not sending first prompt information to the holder of the credit card.
6. An information presentation device, comprising:
an acquisition unit for acquiring historical transaction data of a credit card;
the input unit is used for inputting the historical transaction data of the credit card into a preset identification model to obtain the identification result of the credit card output by the identification model; the identification model comprises a preset identification rule, and the identification rule is set according to the card borrowing data characteristic and the cash register data characteristic;
the first sending unit is used for judging whether the historical transaction data meet a debit card verification rule or not if the identification result represents that debit card data exist in the historical transaction data of the credit card, and sending first prompt information to the holder of the credit card if the historical transaction data meet the debit card verification rule and if the historical transaction data do not meet the preset association rule, and the association degree between the holder of the credit card and the user of the credit card does not meet the preset association rule; the first prompt message is used for prompting the holder of the credit card to retrieve the credit card;
the second sending unit is used for executing adjustment operation on the consumption amount of the credit card and judging whether the historical transaction data meet the debit card verification rule or not if the identification result represents that debit card data and cash register data exist in the historical transaction data of the credit card, if so, sending second prompt information to the holder of the credit card, and if not, sending third prompt information to the holder of the credit card; the second prompt message is used for prompting the holder of the credit card to retrieve the credit card and prompting that the consumption amount of the credit card is adjusted, and the third prompt message is used for prompting that the consumption amount of the credit card is adjusted;
and the third sending unit is used for executing the adjustment operation on the consumption amount of the credit card and sending third prompt information to the holder of the credit card if the identification result represents that cash register data exists in the historical transaction data of the credit card.
7. The apparatus of claim 6, wherein the first sending unit performs determining whether the historical transaction data satisfies a debit card verification rule for:
calculating the average time length of the password input by the user of the credit card according to the historical transaction data of the credit card;
judging whether a calculated value between the average time length and a preset password input time length corresponding to the credit card is larger than a first threshold value or not;
if the transaction location is larger than the preset transaction location, acquiring the identity information of the user of the credit card by calling a merchant camera based on the transaction location contained in the historical transaction data of the credit card, and comparing the identity information of the user of the credit card with the pre-stored identity information of the holder of the credit card;
if the comparison is inconsistent, the historical transaction data is judged to meet the card borrowing verification rule.
8. The apparatus of claim 7, further comprising:
and the first judgment subunit is used for judging that the historical transaction data does not meet the card borrowing verification rule if the calculated value between the average time length and the preset password input time length corresponding to the credit card is not greater than a first threshold value.
9. The apparatus of claim 6, further comprising:
and the second judgment subunit is used for judging that the historical transaction data does not meet the card borrowing verification rule if the identity information of the user of the credit card is consistent with the identity information of the holder of the credit card who is stored in advance.
10. The apparatus of claim 9, further comprising:
and the execution subunit is used for not sending the first prompt message to the holder of the credit card if the association degree between the holder of the credit card and the user of the credit card meets a preset association rule.
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