CN113011891B

CN113011891B - Core body processing method and device applied to associated payment

Info

Publication number: CN113011891B
Application number: CN202110300999.1A
Authority: CN
Inventors: 马连杰; 王国君; 许维龙
Original assignee: AlipayCom Co ltd
Current assignee: AlipayCom Co ltd
Priority date: 2021-03-22
Filing date: 2021-03-22
Publication date: 2023-03-21
Anticipated expiration: 2041-03-22
Also published as: CN113011891A

Abstract

The embodiment of the specification provides a core body processing method and device applied to associated payment, wherein the core body processing method applied to the associated payment comprises the following steps: determining a reference abnormal grade and a corresponding reference core strategy according to user data and operation data of a first user and a second user submitting a related payment application; performing affinity calculation on the first user and the second user, and calculating an anomaly score according to the obtained affinity and the reference anomaly grade; constructing a target core body strategy according to the reference core body strategy and an additional core body strategy determined based on the abnormal score; and performing core processing on at least one of the first user and the second user according to the target core policy.

Description

Core body processing method and device applied to associated payment

Technical Field

The present disclosure relates to the field of payment processing technologies, and in particular, to a method and an apparatus for core processing applied to associated payment.

Background

With the continuous development and popularization of the internet, the application range of online payment provided based on the internet is wider and wider, most users are gradually covered, under the condition, how to promote the payment individuality of the online payment facing different first users, how to promote the payment diversification of the users in the payment process, and how to ensure the payment safety becomes the key point of determining the user viscosity of the online payment while promoting the payment individuality and diversification, and also becomes the key of the payment platform for promoting the user liveness.

Disclosure of Invention

One or more embodiments of the present specification provide a core body processing method applied to an associated payment. The core body processing method applied to the associated payment comprises the following steps: and determining a benchmark abnormal grade and a corresponding benchmark core-body strategy according to the user data and the operation data of the first user and the second user submitting the associated payment application. And performing affinity calculation on the first user and the second user, and calculating an abnormal score according to the obtained affinity and the reference abnormal grade. And constructing a target core body strategy according to the reference core body strategy and an additional core body strategy determined based on the abnormal score. And performing core processing on at least one of the first user and the second user according to the target core policy.

One or more embodiments of the present specification provide a core body processing apparatus applied to associated payment, including: and the benchmark core body strategy determining module is configured to determine a benchmark abnormal grade and a corresponding benchmark core body strategy according to the user data and the operation data of the first user and the second user which submit the associated payment application. And the abnormal score calculation module is configured to perform affinity calculation on the first user and the second user and calculate an abnormal score according to the obtained affinity and the reference abnormal grade. A target core body strategy construction module configured to construct a target core body strategy according to the benchmark core body strategy and an additional core body strategy determined based on the abnormal score. A core processing module configured to perform core processing on at least one of the first user and the second user according to the target core policy.

One or more embodiments of the present specification provide a core body processing device applied to an associated payment, including: a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: and determining a benchmark abnormal grade and a corresponding benchmark core-body strategy according to the user data and the operation data of the first user and the second user submitting the associated payment application. And performing affinity calculation on the first user and the second user, and calculating an abnormal score according to the obtained affinity and the reference abnormal grade. And constructing a target core body strategy according to the reference core body strategy and an additional core body strategy determined based on the abnormal score. And performing core processing on at least one of the first user and the second user according to the target core policy.

One or more embodiments of the present specification provide a storage medium storing computer-executable instructions that, when executed, implement the following flow: and determining a benchmark abnormal grade and a corresponding benchmark core-body strategy according to the user data and the operation data of the first user and the second user submitting the associated payment application. And performing affinity calculation on the first user and the second user, and calculating an abnormal score according to the obtained affinity and the reference abnormal grade. And constructing a target core body strategy according to the reference core body strategy and an additional core body strategy determined based on the abnormal score. And performing core processing on at least one of the first user and the second user according to the target core policy.

Drawings

In order to more clearly illustrate one or more embodiments or technical solutions in the prior art in the present specification, 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 some embodiments described in the present specification, and for those skilled in the art, other drawings can be obtained according to the drawings without inventive exercise;

fig. 1 is a processing flow diagram of a method for processing a core body applied to an associated payment according to one or more embodiments of the present disclosure;

fig. 2 is a processing flow diagram of a method for processing a core body applied to an associated payment, which is applied to an online scenario and provided by one or more embodiments of the present specification;

fig. 3 is a schematic diagram of a core processing device applied to associated payment according to one or more embodiments of the present disclosure;

fig. 4 is a schematic structural diagram of a core processing device applied to associated payment according to one or more embodiments of the present disclosure.

Detailed Description

In order to make those skilled in the art better understand the technical solutions in one or more embodiments of the present specification, the technical solutions in one or more embodiments of the present specification will be clearly and completely described below with reference to the drawings in one or more 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 embodiments. All other embodiments that can be derived by a person skilled in the art from one or more of the embodiments described herein without making any inventive step shall fall within the scope of protection of this document.

The embodiment of the core body processing method applied to the associated payment provided by the specification comprises the following steps:

referring to fig. 1, which shows a processing flow chart of a body-checking processing method applied to associated payment according to this embodiment, referring to fig. 2, which shows a processing flow chart of a body-checking processing method applied to associated payment according to an online scenario according to this embodiment.

Referring to fig. 1, the method for processing a core body applied to associated payment provided in this embodiment specifically includes step S102 to step S108.

Step S102, determining a reference abnormal grade and a corresponding reference core body strategy according to the user data and the operation data of the first user and the second user submitting the associated payment application.

The core processing method applied to the associated payment provided by the embodiment is implemented by starting from user data and operation data of two users of the associated payment, performing anomaly detection on the associated payment application, and determining a reference core policy of a reference anomaly level determined by the anomaly detection, further performing affinity calculation on the two users, weighing possible anomalies of the associated payment between the two users according to the affinity obtained by calculation, and determining an additional core policy for dealing with the anomalies, so that in a final auditing processing process, corresponding core processing is performed on the basis of the reference core policy and the additional core policy, so that the security of the associated payment opening process is ensured, meanwhile, in the associated payment application processing process, the analysis on the affinity between the two users is realized, an analysis result is used as a core basis, the perception of the users on the associated payment application opening process is enhanced, and the use security of the users is further improved.

In this embodiment, the associated payment refers to that a user performs a fund authorization to another user, and after the fund authorization is performed, an authorized user of an authorized party may use funds in an authorization range provided by an authorized user of an authorized party to perform payment, that is: the authorized user and the authorized user establish a certain incidence relation through authorization, and the purpose of the established incidence relation is to carry out payment, which is called incidence payment; the specific way of authorization is in the way of signing an agreement, and the authorized user authorizes the authorized user by signing an associated payment agreement. The associated payment application refers to a processing application for opening associated payment, which is submitted by one user to the other user.

The associated payment application provided by this embodiment includes two types, one of which is that one party user opens associated payment with another party user in a gifting manner, in this case, the associated payment application is submitted by a gifting initiator, for example, a first user submits the associated payment application with a second user in the gifting manner, and in a subsequent associated payment opening process, the first user performs associated payment opening authorization on the second user (authorized user) as an authorized user; and the second is that one user invites the other user to open the associated payment, in this case, the associated payment application is submitted by the invitation initiator, for example, the first user is invited to open the associated payment by submitting the associated payment application, and in the subsequent associated payment opening process, the second user is used as an authorized user to wait for the first user (authorized user) to be invited to perform the associated payment opening authorization.

In specific implementation, for the associated payment application submitted by one of a first user and a second user, firstly, based on user data and operation data of the first user and the second user, performing a first-stage anomaly analysis on the associated payment application to determine a reference anomaly level of the associated payment application, and further determining a reference core policy for dealing with the reference anomaly level, so that security guarantee is provided for an associated payment application opening process through the anomaly analysis and core processing to improve personal information security and account fund security of the user.

In an optional implementation manner provided by this embodiment, determining a reference exception level and a corresponding reference core policy according to user data and operation data of a first user and a second user who submit a related payment application includes:

determining a benchmark abnormal level of the associated payment application according to the user data and the operation data; the operation data comprises operation environment information of the user for performing the associated payment operation, such as equipment information and network information of the operation equipment;

if the reference abnormal level exceeds the preset abnormal level threshold, determining the application result of the associated payment application as application failure;

and if the reference abnormal grade does not exceed a preset abnormal grade threshold value, determining a reference core body strategy corresponding to the reference abnormal grade. The reference identity verification policy refers to an identity verification mode for performing identity verification processing on an authorized user at a first stage, for example, the reference identity verification policy for performing identity verification on the authorized user through human body biological characteristics such as fingerprints and face recognition; and then, for example, the authorized user is subjected to the benchmark identity verification strategy of identity verification through password verification, user information verification and other modes.

And step S104, performing affinity calculation on the first user and the second user, and calculating an anomaly score according to the obtained affinity and the reference anomaly level.

As described above, the associated payment credential issued after the associated payment relationship is established has the associated payment characteristics, and in practical applications, two users who establish the associated payment relationship often have a certain social relationship or data relationship, for example, an authorized user is a relative of the authorized user, and in this case, the associated payment relationship between the two users can be referred to as an affinity payment relationship; alternatively, the authorized user is an online social friend of the authorized user. Based on this, in order to ensure the payment security of both parties performing the associated payment, on the basis of the above-mentioned anomaly analysis and the matching of the body-checking policy at the first stage performed on the users of both parties, the intimacy of the users of both parties applying for opening the associated payment is further analyzed, so as to analyze whether the users of both parties satisfy the associated payment opening condition, and further analyze whether the associated payment applying for opening has a potential anomaly, for example, the associated payment is opened for an unfamiliar user by being spoofed, thereby avoiding the loss of the user caused by the opening of the associated payment.

In an optional implementation manner provided by this embodiment, the performing affinity calculation on the first user and the second user includes:

calculating the intimacy value of each intimacy factor according to the user data;

and calculating the intimacy of the first user and the second user according to the intimacy value of the intimacy factor and the weight parameter of the intimacy factor.

Optionally, the affinity factor includes at least one of: the method comprises the following steps of account friend relationship, friend relationship time, account fund transfer records, account payment action records and information interaction record quantity.

For example, the intimacy factor includes 5 items of account Friend relationship, friend relationship time, account fund Transfer record Transfer, account withholding behavior record payforother, and information interaction record quantity Chat;

under the condition that a user B invites a user A to open associated payment, according to the users of the user A and the user B, if the user A and the user B establish a Friend relationship according to user data, determining Friend =1, and otherwise, determining Friend =0; if the time for the user A to establish the friend relationship with the user B is more than x days, determining the relationship time =1, otherwise, determining the relationship time =0; if at least m times of fund Transfer behaviors such as Transfer, electronic red packet sending and the like occur between the user A and the user B, determining Transfer =1, otherwise, transferring =0; determining payforother =1 if at least n-payment-for-payment actions have occurred between user a and user B, otherwise payforother =0; if the number of the Chat records between the user A and the user B is more than y, determining that Chat =1, otherwise, chat =0;

the Intimate of the user A and the user B = k1 Friend + k2 relationship time + k3 Transfer + k4 PayForOthers + k5 Chat, wherein k1 to k5 are adjustable constant parameters, and the values of k1 to k5 are not less than 0.

In specific implementation, the obtained intimacy degree and the reference abnormal grade are used for calculating an abnormal score, and the abnormal score is calculated according to the intimacy degree, the reference abnormal grade and the weight parameters of the reference abnormal grade. Specifically, the anomaly score of the associated payment application is equal to the sum of the intimacy degree and the product of the reference anomaly level and the weight parameter of the reference anomaly level.

Along the above example, user B invites user a to open an associated payment, and the exception score riskvvalue = k common risk + initate of the associated payment application submitted in this process; wherein, commonRisk is a reference abnormal grade, the values thereof are respectively 0, 1, 2. Cndot. Cndot.k is a weight parameter of the reference abnormal grade, and the value is greater than or equal to 0.

In addition, after performing affinity calculation and calculating an abnormal score according to the obtained affinity and the reference abnormal level, in order to further improve security of a process of opening a related payment application, in an optional implementation manner provided in this embodiment, a stronger-granularity analysis may be performed on the related payment application according to the calculated abnormal score of the related payment application, so as to determine whether the abnormal score exceeds an abnormal score threshold; if so, intercepting the associated payment application, and determining the application result of the associated payment application as application failure; if not, executing the following step S106, and constructing the target core body strategy according to the reference core body strategy and the additional core body strategy determined based on the abnormal score.

And step S106, constructing a target core body strategy according to the reference core body strategy and the additional core body strategy determined based on the abnormal score.

On the basis of determining the abnormal score of the associated payment application, further determining an additional core policy corresponding to the abnormal score, namely: in an optional implementation manner provided in this embodiment, the creating a target core policy according to the reference core policy and an additional core policy determined based on the abnormal score includes: determining an additional core body strategy corresponding to the abnormal grade according to the abnormal grade to which the abnormal score belongs; and constructing the target core body strategy based on the additional core body strategy and the reference core body strategy.

In this embodiment, in order to improve the processing efficiency, the abnormality ratings are divided into 4 ratings, specifically, a first abnormality rating, a second abnormality rating, a third abnormality rating, and a fourth abnormality rating, where an abnormality rating to which an abnormality score smaller than a first abnormality rating threshold belongs is the first abnormality rating, an abnormality rating to which an abnormality score larger than or equal to the first abnormality rating threshold and smaller than the second abnormality rating threshold belongs is the second abnormality rating, similarly, an abnormality rating to which an abnormality score larger than or equal to the second abnormality rating threshold and smaller than the third abnormality rating threshold belongs is the third abnormality rating, a threshold of the fourth abnormality rating is the above abnormality rating threshold, and an abnormality rating to which an abnormality score larger than the abnormality rating threshold belongs is the fourth abnormality rating, and as described above, an associated payment application in which an abnormality score belongs to the fourth abnormality rating is intercepted.

The following describes a process of constructing a target core body policy of an associated payment application in which an abnormality score is assigned to a first abnormality rating, a second abnormality rating, and a third abnormality rating, respectively.

(1) Attributing an anomaly score to a first anomaly rating

If the abnormal score of the associated payment application belongs to a first abnormal rating, namely: if the abnormal rating is smaller than the first abnormal rating threshold, determining that an additional core body policy corresponding to the abnormal rating is empty, and correspondingly, because the additional core body policy is empty, constructing the target core body policy based on the additional core body policy and the reference core body policy means that the reference core body policy is used as the target core body policy.

(2) Attributing an anomaly score to a second anomaly rating

If the anomaly score of the associated payment application belongs to a second anomaly rating, namely: the abnormal score is larger than or equal to a first abnormal rating threshold and smaller than a second abnormal rating threshold, and on the basis, in the process of determining the additional core body strategy and constructing the target core body strategy, the additional core body strategy is firstly determined to be subjected to identity verification on an authorized user; and then, the additional core body strategy is newly added in the reference core body strategy to obtain the target core body strategy.

The additional verification strategy is an identity verification mode which is newly added on the basis of the standard verification strategy, for example, identity information verification of an authorized user is added on the basis of identity verification of the authorized user by adopting human body biological characteristics such as fingerprints and face recognition;

for example, on the basis of performing identity verification on the authorized user through password verification, user information verification and the like, the bank card verification of the authorized user by the authorized user is added (for example, the authorized user inputs the designation of the authorized user or the last 4 card numbers of any one bank card), so as to perform identity verification on the authorized user and the authorized user.

(3) Attributing an anomaly score to a third anomaly rating

If the abnormal score of the associated payment application belongs to a third abnormal rating, namely: the abnormal score is greater than or equal to a second abnormal rating threshold and less than a third abnormal rating threshold, and on the basis, in the process of determining the additional core body strategy and constructing the target core body strategy, the additional core body strategy is firstly determined to be subjected to identity verification on an authorized user; and then, the additional core body strategy is newly added in the reference core body strategy to obtain the target core body strategy. It should be noted that the identity verification of the authorized user can be performed on the side of the authorized user.

The additional authentication strategy is an identity verification mode which is newly added on the basis of the standard verification strategy, for example, on the basis of identity verification of an authorized user by adopting human body biological characteristics such as fingerprints and face recognition, identity information verification or bank card verification of the authorized user is added; and then, for example, on the basis of performing identity verification on the authorized user through the modes of password verification, user information verification and the like, face recognition identity verification is additionally performed on the authorized user through the terminal equipment of the authorized user.

Step S108, performing core processing on at least one of the first user and the second user according to the target core policy.

In an optional implementation manner provided by this embodiment, performing core processing on at least one of the first user and the second user according to the target core policy includes:

issuing the target core body strategy to a client of an authorized user through the core body processing interface, and acquiring the identity verification data of the authorized user, which is acquired by the client;

performing identity verification processing on the authorized user based on the identity verification data;

or,

issuing the target core body strategy to a client of an authorized user through the core body processing interface, and acquiring the identity verification data of the authorized user and the authorized user, which is acquired by the client;

and performing identity verification processing on the authorized user and the authorized user based on the identity verification data.

Specifically, the exception levels of the associated payment application include three exception ratings, namely a first exception rating, a second exception rating, and a third exception rating, and the three exception ratings are different from each other in corresponding additional core body policies, and correspondingly, target core body policies constructed based on the additional core body policies and the reference core body policies are also different from each other, and a core body processing process based on the three target core body policies is described below.

The first method comprises the following steps:

and performing core processing on the basis of a target core policy constructed on the basis of the additional core policy corresponding to the first abnormal rating and the reference core policy, specifically, performing core processing on an authorized user according to the reference core policy.

For example, for an associated payment application submitted by a user B inviting the user A to open associated payment, if the abnormal score RiskValue of the associated payment application is smaller than a first abnormal rating threshold MIN, the user A is subjected to identity verification by using a fingerprint or face recognition mode.

And the second method comprises the following steps:

and performing core processing on the basis of an additional core body strategy corresponding to the second abnormal rating and a target core body strategy constructed by the reference core body strategy, specifically, performing core processing on the authorized user according to the reference core body strategy and the target core body strategy constructed by the additional core body strategy.

For example, for an associated payment application submitted by a user B inviting the user a to open associated payment, if an abnormal score riskvale of the associated payment application is greater than or equal to a first abnormal rating threshold MIN and less than a second abnormal rating threshold MIDDLE, on the basis of performing identity verification on the user a by using a fingerprint or face recognition mode, identity information verification on the user a is added, or bank card verification on the user B by the user a is added (the user a inputs a later 4-digit card number specified by the user B or any one bank card through a user terminal).

And the third is that:

and performing core processing on the basis of an additional core body strategy corresponding to the third anomaly rating and a target core body strategy constructed by the reference core body strategy, specifically, performing core processing on an authorized user according to the reference core body strategy and the target core body strategy constructed by the additional core body strategy.

For example, for an associated payment application submitted by a user B inviting the user a to open an associated payment, if an exception score riskvvalue of the associated payment application is greater than or equal to a second exception rating threshold MIDDLE and less than a second exception rating threshold MAX, on the basis of performing identity verification on the user a by using a fingerprint or face recognition mode, the identity information verification of the user a on the user B is added (4 digits after the user a inputs an identity card number of the user B through a user terminal), or the bank card verification of the user B is added (4 digits after the user a inputs a card number specified by the user B or any one bank card through the user terminal), and then, the face recognition identity verification is performed on the user B through a mobile terminal of the user a is added.

In specific implementation, after performing core processing on at least one of the first user and the second user according to the target core policy, performing corresponding processing according to a core processing result to respond to the associated payment application, in an optional implementation manner provided in this embodiment, in a case that a core passes, opening an associated payment relationship between the first user and the second user; returning an associated payment starting notice to the first user, and issuing an associated payment certificate to the second user; and under the condition of the core-body failure, determining that the application result of the associated payment application is the application failure.

The associated payment credentials refer to a management credential for managing the associated payment relationship by the second user and an access credential for performing payment processing by the first user using the associated payment relationship. For example, the payment credentials are stored in the form of a virtual card, an electronic card, etc. in the user terminal of the second user or the first user, the second user can perform configuration management by clicking the identifier of the virtual card or the electronic card, and the first user can perform payment processing by selecting the virtual card or the electronic card in the payment channel list during the payment process.

It should be noted that, in the process of making payment by using the associated payment credential, the second user first generates a payment application for the second user associated with the associated payment credential according to a payment instruction submitted by the second user for a payment channel corresponding to the associated payment credential; and performing payment processing on the basis of the fund account bound by the associated payment certificate to respond to the payment application, and updating a payment record in the accounting account of the associated payment certificate.

The following further describes the core processing method applied to the correlated payment, which is provided in this embodiment, by taking an application of the core processing method applied to the correlated payment in an online scene provided in this embodiment as an example, and referring to fig. 2, the core processing method applied to the online scene and applied to the correlated payment specifically includes steps S202 to S222.

Step S202, acquiring an associated payment application of the second user inviting the first user to open the associated payment.

And step S204, determining a reference abnormal grade of the associated payment application according to the user data and the operation data of the first user and the second user.

And if the reference abnormal level exceeds a preset abnormal level threshold value, determining the application result of the associated payment application as application failure.

And step S206, if the reference abnormal level does not exceed the preset abnormal level threshold, determining a reference core body strategy corresponding to the reference abnormal level.

Step S208, calculating the intimacy value of each intimacy factor according to the user data of the first user and the second user.

Step S210, calculating the intimacy between the first user and the second user according to the intimacy value of the intimacy factor and the weight parameter of the intimacy factor.

Step S212, calculating the abnormal score of the associated payment application according to the intimacy degree, the reference abnormal grade and the weight parameter of the reference abnormal grade.

Further, judging whether the abnormal score exceeds an abnormal score threshold value; if so, determining the application result of the associated payment application as application failure; if not, step S214, step S216 or step S218 is executed.

Step S214, if the abnormal score is smaller than the first abnormal rating threshold value, the additional core body strategy is determined to be empty, and the reference core body strategy is used as the target core body strategy.

Step S216, if the abnormal score is greater than or equal to the first abnormal rating threshold and less than the second abnormal rating threshold, an additional core policy for identity verification of the authorized user is newly added in the reference core policy, and a target core policy is obtained.

And step S218, if the abnormal score is greater than or equal to the second abnormal rating threshold and less than the third abnormal rating threshold, adding an additional core policy for identity verification of the authorized user in the reference core policy to obtain a target core policy.

And step S220, performing core body processing according to the target core body strategy.

And step S222, opening the associated payment relationship between the first user and the second user under the condition that the core body passes.

The embodiment of the core body processing device applied to the associated payment provided by the specification is as follows:

in the above embodiment, a core body processing method applied to the associated payment is provided, and correspondingly, a core body processing device applied to the associated payment is also provided, which is described below with reference to the accompanying drawings.

Referring to fig. 3, a schematic diagram of a core body processing device applied to the associated payment according to the present embodiment is shown.

Since the device embodiments correspond to the method embodiments, the description is relatively simple, and the relevant portions may refer to the corresponding description of the method embodiments provided above. The device embodiments described below are merely illustrative.

The embodiment provides a core body processing device applied to associated payment, which comprises:

a benchmark core body policy determination module 302 configured to determine a benchmark abnormal level and a corresponding benchmark core body policy according to user data and operation data of the first user and the second user who submit the associated payment application;

an anomaly score calculation module 304 configured to perform affinity calculation for the first user and the second user, and calculate an anomaly score according to the obtained affinity and the reference anomaly level;

a target core body policy construction module 306 configured to construct a target core body policy according to the benchmark core body policy and an additional core body policy determined based on the anomaly score;

a core processing module 308 configured to perform core processing on at least one of the first user and the second user according to the target core policy.

Optionally, the reference core body policy determining module 302 is specifically configured to:

determining a benchmark abnormal level of the associated payment application according to the user data and the operation data;

and if the reference abnormal grade does not exceed a preset abnormal grade threshold, determining a reference core body strategy corresponding to the reference abnormal grade.

Optionally, the anomaly score calculating module 304 includes:

an affinity numerical value determination submodule configured to calculate an affinity numerical value of each affinity factor based on the user data;

and the intimacy calculation sub-module is configured to calculate the intimacy of the first user and the second user according to the intimacy value of the intimacy factor and the weight parameter of the intimacy factor.

Optionally, the anomaly score calculating module 304 includes:

an anomaly score calculation submodule configured to calculate the anomaly score according to the intimacy degree, the reference anomaly level and a weight parameter of the reference anomaly level.

Optionally, the target core body policy building module 306 includes:

a first constructing sub-module configured to determine that the additional core body policy is empty and take the reference core body policy as the target core body policy if the anomaly score is smaller than a first anomaly rating threshold.

Optionally, the target core body policy building module 306 includes:

a second construction sub-module configured to determine the additional core policy as an identity verification of an authorized user if the anomaly score is greater than or equal to a first anomaly rating threshold and less than a second anomaly rating threshold; and newly adding the additional core body strategy in the reference core body strategy to obtain the target core body strategy.

Optionally, the target core body policy building module 306 includes:

a third construction sub-module configured to determine the additional verification policy as an identity verification of an authorized user if the anomaly score is greater than or equal to a second anomaly rating threshold and less than a third anomaly rating threshold; and newly adding the additional core body strategy in the reference core body strategy to obtain the target core body strategy.

Optionally, the core body processing module 308 includes:

the first issuing sub-module is configured to issue the target core body strategy to a client of an authorized user through the core body processing interface and acquire the identity verification data of the authorized user, which is acquired by the client;

a first verification sub-module configured to perform identity verification processing on the authorized user based on the identity verification data;

the second issuing sub-module is configured to issue the target core body strategy to a client of an authorized user through the core body processing interface, and acquire the identity verification data of the authorized user and the authorized user, which are acquired by the client;

a second verification sub-module configured to perform identity verification processing on the authorized user and the authorized user based on the identity verification data.

Optionally, the core body processing apparatus applied to the associated payment further includes:

the associated payment relationship opening module is configured to open the associated payment relationship between the first user and the second user under the condition that the core body passes through;

and the associated payment certificate issuing module is configured to return an associated payment starting notice to the first user and issue an associated payment certificate to the second user.

on the basis of the same technical concept, corresponding to the above-described core body processing method applied to associated payment, one or more embodiments of the present specification further provide a core body processing device applied to associated payment, where the core body processing device applied to associated payment is configured to execute the above-described core body processing method applied to associated payment, and fig. 4 is a schematic structural diagram of a core body processing device applied to associated payment provided in one or more embodiments of the present specification.

The embodiment provides a nuclear body processing device applied to associated payment, which comprises:

as shown in fig. 4, the core processing device applied to the associated payment may have a relatively large difference due to different configurations or performances, and may include one or more processors 401 and a memory 402, where one or more stored applications or data may be stored in the memory 402. Wherein memory 402 may be transient or persistent. The application program stored in memory 402 may include one or more modules (not shown), each of which may include a series of computer-executable instructions in a core processing device that apply to an associated payment. Still further, the processor 401 may be configured to communicate with the memory 402 to execute a series of computer-executable instructions in the memory 402 on a core processing device that applies to the associated payment. The core body processing apparatus applied to the associated payment may also include one or more power sources 403, one or more wired or wireless network interfaces 404, one or more input/output interfaces 405, one or more keyboards 406, and the like.

In a particular embodiment, a core processing device for use in an associated payment includes a memory, and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions for use in the core processing device for the associated payment, and execution of the one or more programs by one or more processors includes computer-executable instructions for:

determining a reference abnormal grade and a corresponding reference core strategy according to user data and operation data of a first user and a second user submitting a related payment application;

performing affinity calculation on the first user and the second user, and calculating an anomaly score according to the obtained affinity and the reference anomaly grade;

constructing a target core body strategy according to the reference core body strategy and an additional core body strategy determined based on the abnormal score;

and performing core processing on at least one of the first user and the second user according to the target core policy.

Optionally, the determining a reference abnormal level and a corresponding reference core policy according to the user data and the operation data of the first user and the second user who submit the associated payment application includes:

Optionally, the performing affinity calculation on the first user and the second user includes:

and calculating the intimacy degree of the first user and the second user according to the intimacy degree value of the intimacy degree factor and the weight parameter of the intimacy degree factor.

Optionally, the calculating an anomaly score according to the obtained intimacy degree and the reference anomaly level includes:

and calculating the abnormal score according to the intimacy degree, the reference abnormal grade and the weight parameter of the reference abnormal grade.

Optionally, the constructing a target core body strategy according to the reference core body strategy and an additional core body strategy determined based on the abnormal score includes:

determining an additional core body strategy corresponding to the abnormal grade according to the abnormal grade to which the abnormal score belongs;

and constructing the target core body strategy based on the additional core body strategy and the reference core body strategy.

and if the abnormal score is smaller than a first abnormal rating threshold value, determining that the additional core body strategy is empty, and taking the reference core body strategy as the target core body strategy.

if the abnormal score is larger than or equal to a first abnormal rating threshold and smaller than a second abnormal rating threshold, determining that the additional core policy is identity verification for an authorized user;

and newly adding the additional core body strategy in the reference core body strategy to obtain the target core body strategy.

if the abnormal score is larger than or equal to a second abnormal rating threshold value and smaller than a third abnormal rating threshold value, determining that the additional core policy is identity verification of the authorized user;

Optionally, the performing the core processing on at least one of the first user and the second user according to the target core policy includes:

or,

Optionally, after the performing the core processing instruction on at least one of the first user and the second user according to the target core policy, the method further includes:

opening the associated payment relationship between the first user and the second user under the condition that the core body passes;

and returning an associated payment opening notice to the first user, and issuing an associated payment certificate to the second user.

An embodiment of a storage medium provided in this specification is as follows:

on the basis of the same technical concept, one or more embodiments of the present specification further provide a storage medium corresponding to the above-described method for processing a core-body for associated payment.

The storage medium provided in this embodiment is used to store computer-executable instructions, and when executed, the computer-executable instructions implement the following processes:

Optionally, the determining a benchmark abnormal level and a corresponding benchmark core policy according to the user data and the operation data of the first user and the second user submitting the associated payment application includes:

and if the reference abnormal grade does not exceed a preset abnormal grade threshold value, determining a reference core body strategy corresponding to the reference abnormal grade.

Optionally, the constructing a target core body strategy according to the reference core body strategy and the additional core body strategy determined based on the abnormal score includes:

if the abnormal score is larger than or equal to a first abnormal rating threshold value and smaller than a second abnormal rating threshold value, determining that the additional core policy is identity verification of an authorized user;

if the abnormal score is greater than or equal to a second abnormal rating threshold and less than a third abnormal rating threshold, determining that the additional core policy is identity verification on an authorized user;

or,

Optionally, after performing the core processing flow execution on at least one of the first user and the second user according to the target core policy, the method further includes:

It should be noted that the embodiment related to the storage medium in this specification and the embodiment related to the core processing method applied to the associated payment in this specification are based on the same inventive concept, and therefore, specific implementation of this embodiment may refer to implementation of the foregoing corresponding method, and repeated details are not described again.

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.

In the 30 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) (e.g., a Field Programmable Gate Array (FPGA)) is an integrated circuit whose Logic functions are determined by a user programming the Device. 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 manufacturing 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 Hardware Description Language), traffic, CUPL (core universal Programming Language), HDCal, jhddl (Java Hardware Description Language), lava, lola, HDL, PALASM, rhyd (Hardware Description Language), and vhigh-Language (Hardware Description Language), which is currently used in most popular applications. It will also be apparent to those skilled in the art that hardware circuitry for implementing the logical method flows can be readily obtained by a mere need to program the method flows with some of the hardware description languages described above and into an integrated circuit.

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 regarded as a hardware component and the means for performing the various functions included therein may also be regarded as structures 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, apparatuses, modules or units described in the above embodiments may be specifically implemented by a computer chip or an entity, or implemented 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 cellular telephone, a camera phone, a smartphone, 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.

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 multiple software and/or hardware when implementing the embodiments of the present description.

One skilled in the art will recognize that 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, the 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.

The description has been presented with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the description. 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 data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing 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 data processing 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 data processing 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 disk 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.

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising a … …" does not exclude the presence of another identical element in a process, method, article, or apparatus that comprises the element.

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 specification may 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 are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially 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.

The above description is only an example of this document and is not intended to limit this document. Various modifications and changes may occur to those skilled in the art. Any modifications, equivalents, improvements, etc. which come within the spirit and principle of the disclosure are intended to be included within the scope of the claims of this document.

Claims

1. A method of core processing applied to an associated payment, comprising:

determining a reference abnormal grade and a corresponding reference core strategy according to user data and operation data of a first user and a second user submitting a related payment application; the associated payment application is submitted by the first user;

and performing core processing on the second user according to the target core strategy.

2. The core-body processing method applied to the associated payment according to claim 1, wherein the determining a reference abnormal level and a corresponding reference core-body policy according to the user data and the operation data of the first user and the second user who submit the associated payment application comprises:

3. The core body processing method applied to the associated payment according to claim 2, further comprising:

and if the reference abnormal level exceeds the preset abnormal level threshold, determining the application result of the associated payment application as application failure.

4. The nuclear processing method applied to associated payment according to claim 1, wherein the calculating intimacy between the first user and the second user comprises:

5. The nuclear processing method applied to the associated payment according to claim 4, wherein the calculating of the abnormality score according to the obtained intimacy degree and the benchmark abnormality level comprises:

6. The nuclear processing method applied to the associated payment according to claim 4, wherein the affinity factor comprises at least one of the following items:

the method comprises the following steps of account friend relationship, friend relationship time, account fund transfer records, account payment action records and information interaction record quantity.

7. The core processing method applied to associated payment according to claim 1, after the step of performing affinity calculation on the first user and the second user and calculating the abnormal score according to the obtained affinity and the benchmark abnormal level is performed, and before the step of constructing the target core policy according to the benchmark core policy and the additional core policy determined based on the abnormal score is performed, further comprising:

judging whether the abnormal score exceeds an abnormal score threshold value;

if so, determining the application result of the associated payment application as application failure;

and if not, executing the step of constructing the target core body strategy according to the reference core body strategy and the additional core body strategy determined based on the abnormal score.

8. The core body processing method applied to the associated payment according to claim 1, wherein the constructing of the target core body strategy according to the benchmark core body strategy and the additional core body strategy determined based on the abnormal score comprises:

9. The core processing method applied to the associative payment according to claim 1, wherein the constructing a target core policy according to the benchmark core policy and an additional core policy determined based on the abnormal score comprises:

10. The core body processing method applied to the associated payment according to claim 9, wherein the constructing of the target core body policy according to the benchmark core body policy and the additional core body policy determined based on the abnormal score further comprises:

if the abnormal score is larger than or equal to a first abnormal rating threshold and smaller than a second abnormal rating threshold, determining that the additional core policy is identity verification on the first user;

11. The core body processing method applied to the associated payment according to claim 9, wherein the constructing of the target core body policy according to the benchmark core body policy and the additional core body policy determined based on the abnormal score further comprises:

if the abnormal score is greater than or equal to a second abnormal rating threshold and less than a third abnormal rating threshold, determining that the additional core policy is identity verification on the second user;

12. The core processing method applied to associated payment according to claim 1, after the core processing step is performed on the second user according to the target core policy, further comprising:

13. The core-body processing method applied to the associated payment according to claim 1, wherein the first user submits the associated payment application with the second user in a complimentary manner.

14. A core body processing apparatus for application to an associated payment, comprising:

the benchmark core body strategy determining module is configured to determine a benchmark abnormal grade and a corresponding benchmark core body strategy according to user data and operation data of a first user and a second user submitting a related payment application; the associated payment application is submitted by the first user;

an anomaly score calculation module configured to perform affinity calculation for the first user and the second user, and calculate an anomaly score according to the obtained affinity and the reference anomaly level;

a target core body strategy construction module configured to construct a target core body strategy according to the benchmark core body strategy and an additional core body strategy determined based on the abnormal score;

and the body core processing module is configured to perform body core processing on the second user according to the target body core strategy.

15. A core body processing device for application to an associated payment, comprising:

a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to:

16. A storage medium storing computer-executable instructions that when executed implement the following:

determining a benchmark abnormal grade and a corresponding benchmark core body strategy according to the user data and the operation data of the first user and the second user submitting the associated payment application; the associated payment application is submitted by the first user;