WO2019047345A1 - 动态密码发送策略的生成方法和动态密码发送方法 - Google Patents

动态密码发送策略的生成方法和动态密码发送方法 Download PDF

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Publication number
WO2019047345A1
WO2019047345A1 PCT/CN2017/108280 CN2017108280W WO2019047345A1 WO 2019047345 A1 WO2019047345 A1 WO 2019047345A1 CN 2017108280 W CN2017108280 W CN 2017108280W WO 2019047345 A1 WO2019047345 A1 WO 2019047345A1
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Prior art keywords
dynamic password
sending
channel
password sending
success rate
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English (en)
French (fr)
Inventor
赵骏
宋杰
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Ping An Technology Shenzhen Co Ltd
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Ping An Technology Shenzhen Co Ltd
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    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
    • H04L63/083—Network architectures or network communication protocols for network security for authentication of entities using passwords
    • H04L63/0838—Network architectures or network communication protocols for network security for authentication of entities using passwords using one-time-passwords
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L41/00—Arrangements for maintenance, administration or management of data switching networks, e.g. of packet switching networks
    • H04L41/50—Network service management, e.g. ensuring proper service fulfilment according to agreements
    • H04L41/5003—Managing SLA; Interaction between SLA and QoS
    • H04L41/5009—Determining service level performance parameters or violations of service level contracts, e.g. violations of agreed response time or mean time between failures [MTBF]
    • H04L41/5012—Determining service level performance parameters or violations of service level contracts, e.g. violations of agreed response time or mean time between failures [MTBF] determining service availability, e.g. which services are available at a certain point in time
    • H04L41/5016—Determining service level performance parameters or violations of service level contracts, e.g. violations of agreed response time or mean time between failures [MTBF] determining service availability, e.g. which services are available at a certain point in time based on statistics of service availability, e.g. in percentage or over a given time
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L43/00—Arrangements for monitoring or testing data switching networks
    • H04L43/16—Threshold monitoring
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/18—Network architectures or network communication protocols for network security using different networks or channels, e.g. using out of band channels

Definitions

  • the present application relates to the field of communications technologies, and in particular, to a method, an apparatus, a storage medium, and a computer device for generating a dynamic password transmission policy, and a dynamic password transmission method, apparatus, storage medium, and computer device.
  • Dynamic passwords are an unpredictable combination of random numbers generated by a proprietary algorithm, and each dynamic password can only be used once.
  • SMS dynamic password is the current mainstream dynamic password transmission channel because of its convenient and easy to use and wide coverage.
  • the network service server can send a random digital password to the user's mobile phone in the form of a short message, and the user can input the dynamic password to confirm the identity of the user when logging in or transaction authentication, and complete the identity verification. After that, continue the subsequent network business process.
  • the traditional dynamic password transmission channel is relatively simple.
  • the dynamic password transmission channel is abnormal, the user cannot obtain the dynamic password for the next operation.
  • the user may receive the expired dynamic password, and the user cannot perform the next operation according to the invalid dynamic password, so that the user needs to obtain the dynamic password multiple times, thereby causing dynamic
  • the password is sent at a lower success rate.
  • a method, an apparatus, a storage medium, and a computer device for generating a dynamic password transmission policy are provided.
  • a dynamic password transmitting method, apparatus, storage medium, and computer device are also provided.
  • a method for generating a dynamic password sending policy includes: acquiring dynamic password sending data in a preset time period; calculating a sending success rate of each dynamic password sending channel according to the dynamic password sending data; and sending data according to the dynamic password Calculate the channel weight of each dynamic password sending channel; generate a dynamic password sending policy according to the sending success rate and channel weight of each dynamic password sending channel.
  • a dynamic password sending method includes: receiving a dynamic password request instruction sent by a user terminal; acquiring a dynamic password sending policy according to the dynamic password requesting instruction, where the generating the dynamic password sending policy comprises: acquiring a preset time period Dynamic password sending data; calculating a sending success rate of each dynamic password sending channel according to the dynamic password sending data; calculating a channel weight of each dynamic password sending channel according to the dynamic password sending data; according to each dynamic password sending channel a sending success rate and a channel weight, generating a dynamic password sending policy; determining a current dynamic password sending channel according to the dynamic password sending policy; generating a current dynamic password according to the current dynamic password sending channel; and passing the current dynamic password The current dynamic password sending channel is sent to the user terminal.
  • a device for generating a dynamic password sending policy comprising: a dynamic password sending data obtaining module, configured to acquire dynamic password sending data in a preset time period; and a sending success rate calculating module, configured to use the dynamic password according to the dynamic password Sending data to calculate a sending success rate of each dynamic password sending channel; a channel weight calculating module, configured to calculate a channel weight of each dynamic password sending channel according to the dynamic password sending data; and a dynamic password sending policy generating module, configured to A dynamic password sending policy is generated according to the sending success rate and the channel weight of each dynamic password sending channel.
  • a dynamic password sending device comprising: a dynamic password request instruction receiving module, And a dynamic password sending policy obtaining module, configured to obtain a dynamic password sending policy according to the dynamic password requesting instruction, where the generating the dynamic password sending policy includes: acquiring a preset time period Dynamic password sending data; calculating a sending success rate of each dynamic password sending channel according to the dynamic password sending data; calculating a channel weight of each dynamic password sending channel according to the dynamic password sending data; according to each dynamic password The sending success rate and the channel weight of the sending channel, and generating a dynamic password sending policy; the current dynamic password sending channel determining module is configured to determine a current dynamic password sending channel according to the dynamic password sending policy; and the current dynamic password generating module is configured to The current dynamic password sending channel generates a current dynamic password; the current dynamic password sending module is configured to send the current dynamic password to the user terminal by using the current dynamic password sending channel.
  • a computer device comprising a memory and one or more processors, the memory storing computer readable instructions, the computer readable instructions being executed by the processor, causing the one or more processors to execute The following steps: obtaining dynamic password sending data in a preset time period; calculating a sending success rate of each dynamic password sending channel according to the dynamic password sending data; calculating a channel of each dynamic password sending channel according to the dynamic password sending data Weight; and generate a dynamic password sending policy according to the sending success rate and channel weight of each dynamic password sending channel.
  • a computer device comprising a memory and one or more processors, the memory storing computer readable instructions, the computer readable instructions being executed by the processor, causing the one or more processors to execute The following steps: receiving a dynamic password request command sent by the user terminal; acquiring a dynamic password sending policy according to the dynamic password requesting instruction, the generating step of the dynamic password sending policy includes: acquiring dynamic password sending data in a preset time period; The dynamic password sending data calculates a sending success rate of each dynamic password sending channel; calculating a channel weight of each dynamic password sending channel according to the dynamic password sending data; and sending success rate and channel according to each dynamic password sending channel a weight generating a dynamic password sending policy; determining a current dynamic password sending channel according to the dynamic password sending policy; generating a current dynamic password according to the current dynamic password sending channel; and transmitting the current dynamic password by using the current dynamic password The channel is sent to the user terminal.
  • One or more non-transitory readable storage mediums storing computer readable instructions, when executed by one or more processors, cause the one or more processors to perform the steps of: acquiring Dynamic password sending data in a preset time period; calculating a sending success rate of each dynamic password sending channel according to the dynamic password sending data; calculating a channel weight of each dynamic password sending channel according to the dynamic password sending data; and A dynamic password sending policy is generated according to the sending success rate and the channel weight of each dynamic password sending channel.
  • One or more non-transitory readable storage mediums storing computer readable instructions, when executed by one or more processors, cause the one or more processors to perform the steps of: receiving a dynamic password requesting instruction sent by the user terminal; obtaining a dynamic password sending policy according to the dynamic password requesting instruction, the generating step of the dynamic password sending policy includes: acquiring dynamic password sending data in a preset time period; Sending data calculates a success rate of sending each dynamic password sending channel; calculating a channel weight of each dynamic password sending channel according to the dynamic password sending data; generating a success rate and a channel weight according to each dynamic password sending channel Dynamic password sending policy; determining a current dynamic password sending channel according to the dynamic password sending policy; generating a current dynamic password according to the current dynamic password sending channel; and sending the current dynamic password to the current dynamic password sending channel User terminal.
  • FIG. 1 is an application environment diagram of a dynamic password sending method in an embodiment
  • FIG. 2 is a flowchart of a method for generating a dynamic password sending policy in an embodiment
  • FIG. 3 is a flowchart of a method for generating a dynamic password sending policy in another embodiment
  • FIG. 5 is a structural block diagram of a device for generating a dynamic password transmission policy in an embodiment
  • FIG. 6 is a structural block diagram of a dynamic password transmitting apparatus in an embodiment
  • FIG. 7 is a structural block diagram of a dynamic password transmitting apparatus in another embodiment
  • Figure 8 is a diagram showing the internal structure of a server in one embodiment.
  • first, second and the like may be used to describe various elements, but these elements are not limited by these terms. These terms are only used to distinguish one element from another.
  • first dynamic password transmission channel may be referred to as a second dynamic password transmission channel without departing from the scope of the present application, and similarly, the second dynamic password transmission channel may be referred to as a first dynamic password.
  • Send channel The first dynamic password sending channel and the second dynamic password sending channel are both dynamic password sending channels, but they are not the same dynamic password sending channel.
  • the dynamic password sending method provided by the embodiment of the present application can be applied to an application environment as shown in FIG. 1.
  • the application environment includes a server 102, a communication terminal 104, and an operation terminal 106.
  • the server 102 may be an independent physical server or a server cluster composed of a plurality of physical servers.
  • the communication terminal 104 can be a general mobile phone, a smart phone or other communication terminal with communication functions, such as a tablet computer, a personal digital assistant or a smart device equipped with instant messaging software.
  • the operation terminal 106 can also be a mobile phone, a tablet, a personal digital assistant, or a smart device.
  • the communication terminal 104 and the operation terminal 106 can be the same terminal.
  • the server 102 can communicate with the communication terminal 104 by means of communication provided by the operator. For example, the server 102 can send the dynamic password to the communication terminal 104 by using a short message, and the server 102 can also send the voice information including the dynamic password to the communication terminal by dialing. 104.
  • the server 102 can be connected to the operating terminal 106 network. For example, wireless networks, wired networks, and network connections such as 2G/3G/4G network connections.
  • a dynamic password sending policy generating method which can be used in the server 102 in the application environment as shown in FIG. 1, the method includes:
  • Step S202 Acquire dynamic password sending data in a preset time period.
  • the dynamic password sending data refers to data related to the dynamic password sent by the server to multiple communication terminals in a preset time period.
  • the dynamic password may be a combination of one or more of random numbers, random letters, and the like that are generated according to a special algorithm, and may be used for data that ensures system authentication security when the user performs network services on the operation terminal.
  • Network service scenarios include but are not limited to scenarios such as user registration, password recovery, and transaction confirmation.
  • One or more time periods may be preset to obtain dynamic password transmission data for the one or more time periods. For example, you can preset ten minutes as a time period to obtain dynamic password transmission data within the ten minutes. For another example, three ten-minute time periods can be preset to obtain dynamic password transmission data in the three time periods.
  • the average of the dynamic password transmission data in the plurality of time periods may be used as the dynamic password transmission data within the preset time period.
  • Step S204 Calculate a transmission success rate of each dynamic password transmission channel according to the dynamic password transmission data.
  • the dynamic password sending channel refers to a channel selected by the server to send the dynamic password to the communication terminal, including but not limited to a combination of one or more of a short message downlink, a voice downlink, and a voice uplink.
  • the short message downlink means that the server sends the dynamic password to the communication terminal by means of the short message.
  • the voice downlink means that the server sends the dynamic password to the communication terminal through the operator, and the voice uplink refers to the communication terminal through the operator to the server. Call to request a voice dynamic password.
  • operators include, but are not limited to, China Unicom, China Telecom, China Mobile and other communication service companies that provide fixed telephone, mobile phone and Internet access.
  • each dynamic password sending channel will send a dynamic password, and after obtaining the dynamic password sending data of each dynamic password sending channel in the preset time period, the sending success rate of each dynamic password sending channel can be calculated.
  • acquiring the dynamic password sending data in the preset time period comprises: acquiring the dynamic password sending number of the multiple dynamic password systems in each dynamic password sending channel within the preset time period.
  • the dynamic password transmission total amount of each dynamic password system and the dynamic password transmission success amount of the corresponding dynamic password system are calculated;
  • the transmission success rate of each dynamic password transmission channel is calculated according to the dynamic password transmission data, including: The dynamic password transmission total amount and the dynamic password transmission success amount of each dynamic password system are calculated, and the transmission success rate of each dynamic password transmission channel is calculated and generated.
  • the dynamic password sending system refers to the system corresponding to the dynamic password requested by the user.
  • Each dynamic password transmission channel includes dynamic password transmission data of multiple dynamic password systems.
  • the dynamic cryptosystem can be a service system for each software or website, or a business system for each business under different software or websites. For example, when a user purchases a product on the first website system, there will be a process of user registration, password recovery, transaction confirmation, etc. When the user participates in the lottery event on the second website system, the user registration, password recovery, Process such as transaction confirmation.
  • multiple business processes included in each website system can use the same dynamic password sending system, or a separate dynamic password sending system can be used for each business process included in each website system.
  • the total number of dynamic passwords sent is the total number of dynamic passwords sent by each dynamic password system within a preset time period.
  • the dynamic password success rate is that each dynamic password system is sent and received successfully within a preset time period.
  • the success rate of the dynamic password channel is the probability that each dynamic password system successfully sends a dynamic password within a preset time period.
  • the total number of dynamic passwords sent by all the dynamic password systems in each dynamic password transmission channel and the corresponding dynamic password transmission success amount may be calculated, and the transmission success rate of each dynamic password transmission channel is calculated.
  • the dynamic password sending total amount and the dynamic password sending success amount of each dynamic password system in each dynamic password sending channel the dynamic password sending total amount is divided by the dynamic password sending success amount, and each dynamic password sending system is calculated and generated.
  • the transmission success rate of each dynamic password transmission channel is generated according to the transmission success rate calculation of each dynamic password transmission system.
  • an average value of the transmission success rate of each dynamic cryptosystem under each dynamic cipher transmission channel can be calculated as the transmission success rate of each dynamic cipher transmission channel.
  • the transmission success rate of each dynamic cryptosystem under each dynamic password transmission channel is multiplied by the corresponding preset weight, and then added.
  • Step S206 calculating channel rights of each dynamic password sending channel according to the dynamic password sending data. value.
  • Channel weight refers to the comprehensive importance of each dynamic password transmission channel.
  • the channel weight of each dynamic password sending channel can be comprehensively obtained according to the importance degree of all dynamic passwords sent by the dynamic password sending channel within a preset time period.
  • the dynamic password can be divided into a first level dynamic password, a second level dynamic password, and a third level dynamic password according to the importance degree of the dynamic password, and each level dynamic password is pre-set with a corresponding level weight.
  • the weight of all dynamic passwords in the channel can be sent according to the dynamic password, and the channel weight of the dynamic password sending channel can be calculated according to a preset formula.
  • acquiring the dynamic password sending data in the preset time period includes: acquiring dynamic password sending data of multiple dynamic password systems in each dynamic password sending channel within a preset time period, and the dynamic password sending data includes The dynamic password sending amount of each dynamic cryptosystem and the system weight of the corresponding dynamic cryptosystem; calculating the channel weight of each dynamic password sending channel according to the dynamic password sending data, including: sending according to the dynamic password of each dynamic cryptosystem Total amount and system weight, calculate the channel weight for each dynamic password sending channel.
  • the importance of dynamic passwords is related to the usage scenarios of dynamic passwords.
  • the usage scenarios of dynamic passwords may include financial transactions, general transactions, core systems, and non-core systems.
  • the system weight refers to the weight of the dynamic password preset system according to the importance of the dynamic password transmission system.
  • the dynamic password of the same usage scenario may be used to send the dynamic password through the same dynamic password system, and the corresponding system weight may be preset for each dynamic password system according to the importance degree of the usage scenario.
  • the system weights of each dynamic password system may be combined to calculate the channel weight of each dynamic password transmission channel.
  • the corresponding dynamic cryptosystems after the system weights from high to low are preset, the total number of transmissions of the four systems under each dynamic password transmission channel. Multiply the corresponding four system weights to calculate the channel weight.
  • the system weights qx, qy, qd can be respectively assigned to the four types of dynamic password systems x, y, d, and f.
  • the channel weight Zm of the dynamic password transmission channel m can be calculated by a preset formula, and the formula is as follows: Among them, Cmx, Cmy, Cmd, and Cmf are the total number of dynamic passwords sent by the dynamic cryptosystems of the dynamic password transmission channel m, x, y, d, and f, respectively, and ⁇ and ⁇ are preset parameters.
  • Step S208 Generate a dynamic password sending policy according to the sending success rate and the channel weight of each dynamic password sending channel.
  • the dynamic password sending policy refers to the scheme adopted to send a dynamic password.
  • the allocation of the percentage of the transmission amount of each dynamic password transmission channel, or the distribution of the percentage of the transmission amount of each dynamic password transmission system may also be the recommendation for the user terminal for multiple dynamic password transmission channels. Order or recommended ratio.
  • the sending success rate and the channel weight of each dynamic password sending channel when the sending success rate and the channel weight are detected in the corresponding preset value area, the corresponding dynamic password sending strategy is adopted.
  • the values of the transmission success rate and the channel weight may be divided into multiple levels, and a dynamic password transmission policy is generated according to the level of the transmission success rate and the channel weight.
  • a dynamic password transmission policy is generated according to the level of the transmission success rate and the channel weight.
  • the percentage of the transmission amount or the recommended ratio of each dynamic password transmission channel may be calculated according to the level of the transmission success rate and the channel weight value. It is also possible to directly obtain a preset transmission amount percentage or a recommendation ratio according to the level of the transmission success rate and the channel weight, but is not limited thereto.
  • the transmission success rate when the transmission success rate is between A and B, it is the first-level transmission success rate. When the transmission success rate is between B and C, it is the second-level transmission success rate.
  • the channel weight When the channel weight is used. When the value is between a and b, it is the first-level channel weight. When the channel weight is between b and c, it is the second-level channel weight. If the first dynamic password sending channel has a first-level sending success rate and a first-level channel weight, the second dynamic password sending channel has a second-level sending success rate and a second-level channel weight, and the preset sending may be directly obtained. Amount percentage allocation. For example, the percentage of the first dynamic password transmission channel is 40%, and the second dynamic password transmission channel is 60%.
  • the first dynamic password sending channel has a first-level sending success rate and a second-level channel weight
  • the second dynamic password sending channel has a second-level sending success rate and a first-level channel weight
  • the first dynamic password may be preset.
  • the sending percentage of the sending channel is 10%
  • the percentage of sending the second dynamic password sending channel is 90%.
  • the transmission success rate of each dynamic password transmission channel is generated according to the dynamic password transmission total amount and the dynamic password transmission success amount of each dynamic password system, and/or according to the dynamic password transmission of each dynamic password system.
  • the dynamic password sending strategy of each dynamic password system can be generated according to the sending success rate and the channel weight of each dynamic password sending channel, and the dynamic The password sending policy includes the percentage of sending dynamic passwords sent by each dynamic password system under multiple dynamic password sending channels.
  • a corresponding dynamic password transmission policy can be generated for each dynamic password transmission system.
  • the dynamic password sending policy includes, but is not limited to, a percentage of the sending amount or a recommended ratio of each dynamic password sending system in a plurality of dynamic password sending channels.
  • Each dynamic password sending system may correspond to a plurality of user terminals, and each user terminal may provide one or more dynamic password sending channels according to the dynamic password sending policy of the dynamic password sending system.
  • Each dynamic password sending system may provide a corresponding dynamic password sending channel corresponding to multiple user terminals, and the dynamic password sending channels corresponding to each user terminal may be inconsistent.
  • the dynamic password sending policy is generated according to the sending success rate and the channel weight of each dynamic password sending channel, including: determining whether the sending success rate of each dynamic password sending channel is lower than a preset success rate threshold; When the dynamic password sending channel's sending success rate is lower than the preset success rate The threshold value is used to determine whether the channel weight of the dynamic password sending channel is greater than the preset channel weight threshold; if yes, the dynamic password sending percentage of the dynamic password sending channel is calculated according to a preset allocation ratio, and each dynamic password is generated. The percentage of the dynamic password sent under the channel.
  • the success rate threshold and the channel weight threshold may be preset, and after the transmission success rate and the channel weight of each dynamic password transmission channel are calculated, the transmission success rate is compared with a preset success rate threshold, and the channel weight and the channel weight may be Preset channel weights for comparison.
  • the dynamic password sending channel corresponding to the preset success rate threshold and the channel weight is higher than the preset channel weight is selected, and the dynamic password sending policy includes lowering the percentage of the sending amount of the dynamic password sending channel.
  • the percentage of the partial or total transmission amount of the dynamic password transmission channel may be allocated to other dynamic password transmission channels according to a preset allocation ratio, and the percentage of the dynamic password transmission amount under each dynamic password transmission channel may be recalculated after the allocation.
  • the original dynamic password sending policy may send a dynamic password of 50% for the first dynamic password sending channel and the second dynamic password sending channel respectively, and if detected, the sending success rate of the first dynamic password sending channel is detected.
  • the percentage of the first dynamic password transmission channel may be lower than the preset success rate threshold and the channel weight is higher than the preset channel weight, and the second dynamic password transmission channel's transmission success rate is higher than the preset success rate threshold.
  • the allocation of 40% to the second dynamic password transmission channel, the adjusted first dynamic password transmission channel and the second dynamic password transmission channel are 10% and 90% respectively.
  • another method for generating a dynamic password sending policy includes:
  • Step S302 Acquire dynamic password sending data of multiple dynamic password systems in each dynamic password sending channel in a preset time period, and the dynamic password sending data includes a total dynamic password sending amount and a dynamic password sending success amount of each dynamic password system. And the system weight of the corresponding dynamic cryptosystem.
  • the dynamic password sending data refers to the data related to the dynamic password sent by multiple dynamic password systems in the preset time period, including but not limited to the dynamic password sending amount of each dynamic password system, the dynamic password sending success amount, and The system weight of the corresponding dynamic cryptosystem.
  • the dynamic password sending channel can be a short message downlink a, a voice downlink b, and a voice uplink c.
  • the dynamic passwords sent by each dynamic password sending channel can be classified according to the dynamic password sending system, for example, into four categories: financial transactions x, ordinary transactions y, core systems d, non-core systems f.
  • the system weights qx, qy, qd, qf can be given to the above four types of dynamic passwords, and the weights can be set to qx>qy>qd>qf according to the degree of importance.
  • Cax indicates the amount of financial transaction x sent by SMS downlink a
  • Cay indicates the amount of ordinary transaction y sent by SMS downstream a
  • Cad indicates the amount of transmission of core system d through SMS downstream
  • Caf indicates that non-core system f passes SMS
  • the transmission amount of a; Sax indicates the success rate of the financial transaction x through the short message downlink a
  • Say indicates the success rate of the normal transaction y through the short message downlink a
  • Sad indicates the success rate of the core system d through the short message downlink a
  • Saf indicates the non The core system f sends a successful amount of transmission a through the short message.
  • Step S304 Calculate a transmission success rate of each dynamic password transmission channel according to the dynamic password transmission total amount and the dynamic password transmission success amount of each dynamic password system.
  • the transmission success rate of each dynamic password transmission channel refers to the calculated comprehensive success rate according to the success rate of multiple dynamic password systems under each dynamic password transmission channel.
  • the transmission success rate of each dynamic cryptosystem can be separately calculated, and the transmission success rate can be expressed as the dynamic password transmission success amount of each dynamic cryptosystem divided by the dynamic password transmission total amount of the corresponding dynamic cryptosystem, for multiple The transmission success rate averaging can obtain the transmission success rate of each dynamic password transmission channel.
  • the dynamic password transmission success rate Pa of the short message downlink a can be expressed as
  • the dynamic password transmission success rate Pb of the corresponding voice downlink b can be expressed as
  • the dynamic password transmission success rate Pc of the voice uplink c can be expressed as
  • Step S306 calculating a channel weight for generating each dynamic password sending channel according to the dynamic password sending total amount and the system weight value of each dynamic password system.
  • the channel weight of each dynamic password sending channel refers to the system weight and dynamic password sending total of multiple dynamic passwords in each dynamic password sending channel, and the calculated weight of each dynamic password sending channel is calculated.
  • the channel weight Zm of each dynamic password sending channel can be calculated, and the channel weight of the dynamic password sending channel can be expressed as the following formula:
  • m represents the corresponding dynamic password transmission channel
  • the values may be a, b, c, ⁇ , and ⁇ are parameters.
  • the value range of the parameter may be preset, for example, ⁇ and ⁇ are integers, ⁇ may be 0 to 300,000, and ⁇ may be 0 to 5. The specific value may be adjusted according to actual needs.
  • Step S308 determining whether the transmission success rate of each dynamic password transmission channel is lower than a preset success rate threshold.
  • the value of the success rate of each dynamic password sending channel can be directly compared with the preset success rate threshold, or the channel weight value can be combined to determine whether to adjust the percentage of the dynamic password sending amount under each dynamic password sending channel.
  • step S310 is performed; if not, no processing is performed.
  • the percentage of the dynamic password transmission corresponding to the dynamic password sending channel whose sending success rate is lower than the preset success rate threshold may be switched to some or all of the dynamic password sending channels that are successfully higher than the preset success rate threshold.
  • Step S310 determining whether the channel weight of the dynamic password sending channel is greater than a preset channel weight threshold.
  • step S312 When the channel weight of the dynamic password sending channel is greater than the preset channel weight threshold, step S312 is performed; if not, no processing is performed.
  • One or more channel weight thresholds may be preset, and channel weight ranges may also be formed according to multiple channel weight thresholds. Further, the corresponding allocation ratio may be determined according to the threshold interval to which the channel weight belongs, and some or all of the short messages may be switched to other dynamic password sending channels. For example, when the transmission success rate of the dynamic password transmission channel is lower than the preset success rate threshold, the higher the channel weight, the more the percentage of the transmission amount can be allocated to other dynamic password transmission channels.
  • two channel weight thresholds may be preset, 0.6 and 0.8.
  • the relationship between the channel weight and the preset channel weight threshold may include three cases, less than 0.6, greater than 0.6, less than 0.8, and greater than 0.8.
  • Step S312 calculating a percentage of the dynamic password transmission amount of the dynamic password transmission channel according to a preset allocation ratio, and generating a percentage of the dynamic password transmission amount under each dynamic password transmission channel.
  • the preset allocation ratio can be obtained according to the relationship between the channel weight and the preset channel weight threshold.
  • the allocation ratio refers to the percentage of the dynamic password transmission rate of the dynamic password transmission channel, and the proportion of the dynamic password transmission success rate lower than the preset success rate threshold.
  • the percentage of the transmission amount of the downlink of the short message may be allocated to the voice uplink and/or the voice downlink.
  • the transmission success rate of the short message downlink is detected to be less than 20%, and the channel weight is greater than 0.8, the percentage of the transmission amount of the downlink of the short message may be allocated to the voice uplink and/or the voice downlink.
  • the sending success rate and the channel weight of each dynamic password sending channel are calculated according to a preset formula, and each dynamic password is generated according to the sending success rate and the channel weight.
  • the percentage of the dynamic password sent under the sending channel so that when a dynamic password sending channel is abnormal, the sending success rate is lower than the preset success rate threshold in time. If the value of the channel is greater than the preset channel weight threshold, the percentage of the dynamic password sent by the dynamic password sending channel is decreased, thereby reducing the risk of the dynamic password sending failure, so that the success rate of the dynamic password sending is improved.
  • a dynamic password sending method is provided, where the method includes:
  • Step S402 receiving a dynamic password request instruction sent by the user terminal.
  • a user terminal refers to a terminal that performs a dynamic password request operation and receives a dynamic password, including but not limited to a communication terminal and an operation terminal.
  • the dynamic password request instruction is an instruction generated by the operation terminal according to the user's dynamic password request operation.
  • the server can receive a dynamic password request instruction generated by the operation terminal.
  • a corresponding dynamic password request interface may be provided, and the interface may include a dynamic password request control, and when receiving a click operation on the control, triggering generation of a corresponding dynamic password Request instruction.
  • Step S404 Acquire a dynamic password transmission policy according to the dynamic password request instruction.
  • the dynamic password sending policy may be a dynamic password sending policy generated by the method for generating a dynamic password sending policy in each of the above embodiments.
  • the generating step of the dynamic password sending policy includes: acquiring dynamic password sending data in a preset time period; calculating a sending success rate of each dynamic password sending channel according to the dynamic password sending data; and calculating each dynamic password sending according to the dynamic password sending data.
  • Channel weight of the channel generate a dynamic password sending policy according to the sending success rate and channel weight of each dynamic password sending channel.
  • the dynamic password sending policy refers to the scheme adopted to send a dynamic password.
  • the allocation of the percentage of the transmission amount of each dynamic password transmission channel, or the distribution of the percentage of the transmission amount of each dynamic password transmission system may also be the recommendation for the user terminal for multiple dynamic password transmission channels. Order or recommended ratio. According to the sending success rate and the channel weight of each dynamic password sending channel, when the sending success rate and the channel weight are detected in the corresponding preset value area, the corresponding dynamic password sending strategy is adopted.
  • Step S406 determining a current dynamic password sending channel according to the dynamic password sending policy.
  • the current dynamic password sending channel is taken by the user terminal that issues the dynamic password request command. Dynamic password sending channel.
  • the current dynamic password sending channel may be determined according to the percentage of the sending amount or the recommended ratio of each dynamic password sending channel of the dynamic password sending policy. For example, the dynamic password sending channel with the highest percentage of sending is used as the current dynamic password sending channel. Further, the current dynamic password sending channel can be determined by combining the dynamic password sending policy with the specific situation of each user terminal. For example, if the sending success rate of multiple dynamic password sending channels is greater than the preset success rate threshold, the dynamic password sending policy may provide multiple dynamic password sending channels to the user terminal, and the user may select the dynamic password sending channel.
  • Step S408 Generate a current dynamic password according to the current dynamic password sending channel.
  • the current dynamic password refers to a dynamic password to be sent to a user terminal that issues a dynamic password request command.
  • the dynamic password may be a string of numbers randomly generated according to a preset algorithm, and may be a multi-digit number such as four or six digits, such as 4321 or 123456. If the current dynamic password transmission channel is a short message, the current dynamic password may be in the form of a text message. If the current dynamic password transmission channel is voice downlink or voice uplink, the current dynamic password may be in the form of voice information.
  • Step S410 The current dynamic password is sent to the user terminal through the current dynamic password sending channel.
  • the user may obtain the voice information of the corresponding dynamic password after dialing the preset phone number. Or the user can speak the preset keyword after dialing the preset phone number, for example, “life insurance policy dynamic password”, and can also trigger the voice information of the dynamic password by clicking the corresponding dial button.
  • the value after receiving the dynamic password requesting command sent by the user terminal, after calculating the sending success rate and the channel weight of each dynamic password sending channel, according to the sending success rate and the channel right, The value generates a dynamic password sending policy, and determines a dynamic password sending channel for sending a dynamic password to the user terminal according to the dynamic password sending policy.
  • a dynamic password transmission channel is abnormal due to abnormality of the supplier or poor network environment of the user terminal, other dynamic password transmission channels can be taken in time to reduce the risk of dynamic password transmission failure, thereby improving the success rate of dynamic password transmission.
  • the generating step of the dynamic password sending policy further includes: acquiring dynamic password sending data of multiple dynamic password systems in each dynamic password sending channel within a preset time period,
  • the state password transmission data includes the dynamic password transmission total amount of each dynamic password system and the dynamic password transmission success amount of the corresponding dynamic password system; according to the dynamic password transmission total amount and the dynamic password transmission success amount of each dynamic password system, the calculation generates each The success rate of sending dynamic password transmission channels.
  • a dynamic password sending policy of each dynamic password system may be generated according to a sending success rate and a channel weight of each dynamic password sending channel, and the dynamic password sending policy includes each dynamic password system under multiple dynamic password sending channels. The percentage of sent dynamic passwords sent.
  • the generating step of the dynamic password sending policy further includes: acquiring dynamic password sending data of multiple dynamic password systems in each dynamic password sending channel within a preset time period, and the dynamic password sending data includes each dynamic password.
  • a dynamic password sending policy of each dynamic password system may be generated according to a sending success rate and a channel weight of each dynamic password sending channel, and the dynamic password sending policy includes each dynamic password system under multiple dynamic password sending channels. The percentage of sent dynamic passwords sent.
  • the method further includes: acquiring a channel history record of the user terminal according to the dynamic password request instruction, where the channel history record is a dynamic password sending channel used by the user terminal to receive the dynamic password.
  • the history record determining the current dynamic password sending channel according to the dynamic password sending policy, including: determining the current dynamic password sending channel according to the dynamic password sending policy and the channel history record.
  • the user's channel history represents user preferences. For example, users with hearing loss who need hearing assistance usually choose a dynamic password transmission channel for voice downlink. Users who are often in a noisy environment or silent occasions usually choose SMS downlink. Dynamic password sending channel.
  • a dynamic password transmission policy can provide multiple dynamic password transmission channels such as short message downlink and voice downlink, if the user's channel history record indicates that the user frequently selects the downlink channel of the short message, the short message downlink can be used as the current dynamic password transmission channel.
  • a dynamic password sending policy generating apparatus 500 includes: a dynamic password sending data location obtaining module 502, configured to acquire a preset time. Dynamic password sending data in the segment; the sending success rate calculating module 504 is configured to calculate a sending success rate of each dynamic password sending channel according to the dynamic password sending data; the channel weight calculating module 506 is configured to calculate each data according to the dynamic password sending data.
  • the dynamic password sending policy generating module 508 is configured to generate a dynamic password sending policy according to the sending success rate and the channel weight of each dynamic password sending channel.
  • the dynamic password sending data location obtaining module 502 is further configured to acquire dynamic password sending data of multiple dynamic password systems in each dynamic password sending channel within a preset time period, and the dynamic password sending data includes each dynamic The dynamic password transmission total amount of the cryptosystem and the dynamic password transmission success amount of the corresponding dynamic cryptosystem;
  • the transmission success rate calculation module 504 is further configured to calculate and generate the dynamic password transmission total amount and the dynamic password transmission success amount according to each dynamic cryptosystem.
  • the dynamic password sending policy generation module 508 is further configured to generate a dynamic password sending policy of each dynamic password system according to the sending success rate and the channel weight of each dynamic password sending channel, and dynamically The password sending policy includes the percentage of sending dynamic passwords sent by each dynamic password system under multiple dynamic password sending channels.
  • the dynamic password sending data location obtaining module 502 is further configured to acquire dynamic password sending data of multiple dynamic password systems in each dynamic password sending channel within a preset time period, and the dynamic password sending data includes each dynamic The dynamic password transmission total amount of the cryptosystem and the system weight of the corresponding dynamic cryptosystem;
  • the channel weight calculation module 506 is further configured to calculate and generate each dynamic password according to the dynamic password transmission total and the system weight of each dynamic cryptosystem.
  • the dynamic password sending policy generating module 508 is further configured to generate a dynamic password sending policy of each dynamic password system according to the sending success rate and the channel weight of each dynamic password sending channel, and the dynamic password sending policy includes The percentage of the dynamic password sent by each dynamic password system under multiple dynamic password transmission channels.
  • the dynamic password sending policy generating module 508 is further configured to determine whether the sending success rate of each dynamic password sending channel is lower than a preset success rate threshold; when the sending success rate of the dynamic password sending channel is lower than the preset success rate When the threshold is reached, it is determined whether the channel weight of the dynamic password sending channel is greater than the preset channel weight threshold; if yes, the dynamic password sending amount of the dynamic password sending channel The percentage is calculated according to the preset allocation ratio, and the percentage of the dynamic password sent under each dynamic password transmission channel is generated.
  • a dynamic password sending apparatus 600 includes: a dynamic password request instruction receiving module 602, configured to receive a dynamic password request instruction sent by a user terminal; and a dynamic password sending policy.
  • the obtaining module 604 is configured to obtain a dynamic password sending policy according to the dynamic password requesting instruction.
  • the generating step of the dynamic password sending policy includes: acquiring dynamic password sending data in a preset time period; and calculating each dynamic password sending channel according to the dynamic password sending data.
  • the success rate of sending; calculating the channel weight of each dynamic password sending channel according to the dynamic password sending data; generating a dynamic password sending strategy according to the sending success rate and channel weight of each dynamic password sending channel; the current dynamic password sending channel is determined
  • the module 606 is configured to determine a current dynamic password sending channel according to the dynamic password sending policy.
  • the current dynamic password generating module 608 is configured to generate a current dynamic password according to the current dynamic password sending channel.
  • the current dynamic password sending module 610 is configured to use the current dynamic password. Through current movement The password transmission channel is sent to the user terminal.
  • another dynamic password sending apparatus 700 is provided.
  • the apparatus further includes: a channel history obtaining module 612, configured to acquire a channel history record of the user terminal according to the dynamic password request instruction, and a channel history.
  • the history record of the dynamic password sending channel used by the user terminal to receive the dynamic password is recorded;
  • the current dynamic password sending channel determining module 606 is further configured to determine the current dynamic password sending channel according to the dynamic password sending policy and the channel history record.
  • the respective modules in the dynamic password transmission policy generating device and the dynamic password transmitting device described above may be implemented in whole or in part by software, hardware, and a combination thereof.
  • Each of the above modules may be embedded in or independent of the memory of the server in hardware, or may be stored in the memory of the server in software, so that the processor invokes the operations corresponding to the above modules.
  • the processor can be a central processing unit (CPU), a microprocessor, a microcontroller, or the like.
  • the above dynamic password transmission policy generating means and dynamic password transmitting means may be implemented in the form of a computer readable instruction running on a server as shown in FIG.
  • one or more non-volatile readable storage media having computer readable instructions stored by one or more processors are provided to cause one or more The processor executes the steps of the method for generating a dynamic password transmission policy in each of the above embodiments.
  • one or more non-transitory readable storage media having computer readable instructions that, when executed by one or more processors, cause one or more processors to execute The steps of the dynamic password transmission method in each of the above embodiments.
  • a computer apparatus comprising a memory and one or more processors having stored therein computer readable instructions that, when executed by a processor, cause one or more processors to execute The steps of the method for generating a dynamic password transmission policy in each of the above embodiments.
  • a computer apparatus comprising a memory and one or more processors having stored therein computer readable instructions that, when executed by a processor, cause one or more processors to execute The steps of the dynamic password transmission method in each of the above embodiments.
  • the computer device described above may include, but is not limited to, a stand-alone physical server, or a server cluster of multiple physical servers.
  • FIG. 8 it is a schematic diagram of the internal structure of a server in one embodiment.
  • the server includes a processor coupled through a system bus, a non-volatile storage medium, an internal memory, and a network interface.
  • the server's processor is used to provide computing and control capabilities to support the operation of the entire server.
  • the server's non-volatile storage medium stores operating system, database, and computer readable instructions.
  • the database stores data related to the method for generating a dynamic password sending policy and the dynamic password sending method provided by the foregoing various embodiments, such as a channel history record in which the user terminal can be stored.
  • the computer readable instructions are executable by the processor for implementing a dynamic password sending policy generation method and a dynamic password sending method provided by the above various embodiments.
  • the internal memory in the terminal provides a cached operating environment for operating systems, databases, and computer readable instructions in a non-volatile storage medium.
  • the network interface may be an Ethernet card or a wireless network card or the like for communicating with an external terminal or server.
  • the structure of the server shown in FIG. 8 is only a block diagram of a part of the structure related to the solution of the present application, and does not constitute a limitation on the server to which the solution of the present application is applied.
  • the specific server may Includes more or fewer parts, or combinations, as shown Some components, or have different component arrangements.
  • the server in the figure may also include a display screen or the like.
  • the readable storage medium which when executed, may include the flow of an embodiment of the methods as described above.
  • the storage medium may be a magnetic disk, an optical disk, a read-only memory (ROM), or the like.

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Abstract

一种动态密码发送策略的生成方法，该方法包括：获取预设时间段内的动态密码发送数据；根据动态密码发送数据计算每个动态密码发送渠道的发送成功率；根据动态密码发送数据计算每个动态密码发送渠道的渠道权值；根据每个动态密码发送渠道的发送成功率和渠道权值，生成动态密码发送策略。

Description

动态密码发送策略的生成方法和动态密码发送方法
本申请要求于2017年09月05日提交中国专利局、申请号为2017107929192、发明名称为“动态密码发送策略的生成方法和动态密码发送方法”的中国专利申请的优先权，其全部内容通过引用结合在本申请中。
技术领域
本申请涉及通讯技术领域，特别是涉及一种动态密码发送策略的生成方法、装置、存储介质和计算机设备及一种动态密码发送方法、装置、存储介质和计算机设备。
背景技术
目前大部分网络平台、银行及第三方支付平台等，都已经将动态密码的方式应用于用户注册、密码找回、身份认证、交易确认等网络业务应用场景。动态密码是根据专门的算法生成的一个不可预测的随机数字组合，且每个动态密码都只能使用一次。其中，短信动态密码因为其方便易用、覆盖面广的特性，是当下主流的动态密码发送渠道。用户在进行网络业务操作之前，需要录入用户的手机号。当用户发送出动态密码验证请求时，网络业务服务器可以短信形式发送随机的数字密码到用户的手机上，用户在登陆或者交易认证的时候可输入此动态密码以确认用户的身份，在完成身份验证之后，继续进行后续的网络业务流程。
然而，传统的动态密码的发送渠道较为单一，当动态密码发送渠道发生异常的时候，会导致用户无法获取到动态密码进行下一步的操作。或者当用户处在信号不好、网络延时的环境，用户可能会接收到过期的动态密码，用户也无法根据无效的动态密码进行下一步操作，导致用户需要多次获取动态密码，从而造成动态密码的发送成功率较低。
发明内容
根据本申请的各种实施例，提供一种动态密码发送策略的生成方法、装置、存储介质和计算机设备。
根据本申请的各种实施例，还提供一种动态密码发送方法、装置、存储介质和计算机设备。
一种动态密码发送策略的生成方法，包括：获取预设时间段内的动态密码发送数据；根据所述动态密码发送数据计算每个动态密码发送渠道的发送成功率；根据所述动态密码发送数据计算每个动态密码发送渠道的渠道权值；根据每个动态密码发送渠道的发送成功率和渠道权值，生成动态密码发送策略。
一种动态密码发送方法，包括：接收用户终端发送的动态密码请求指令；根据所述动态密码请求指令获取动态密码发送策略，所述动态密码发送策略的生成步骤包括：获取预设时间段内的动态密码发送数据；根据所述动态密码发送数据计算每个动态密码发送渠道的发送成功率；根据所述动态密码发送数据计算每个动态密码发送渠道的渠道权值；根据每个动态密码发送渠道的发送成功率和渠道权值，生成动态密码发送策略；根据所述动态密码发送策略确定当前动态密码发送渠道；根据所述当前动态密码发送渠道生成当前动态密码；将所述当前动态密码通过所述当前动态密码发送渠道发送至所述用户终端。
一种动态密码发送策略的生成装置，所述装置包括：动态密码发送数据处获取模块，用于获取预设时间段内的动态密码发送数据；发送成功率计算模块，用于根据所述动态密码发送数据计算每个动态密码发送渠道的发送成功率；渠道权值计算模块，用于根据所述动态密码发送数据计算每个动态密码发送渠道的渠道权值；动态密码发送策略生成模块，用于根据每个动态密码发送渠道的发送成功率和渠道权值，生成动态密码发送策略。
一种动态密码发送装置，所述装置包括：动态密码请求指令接收模块， 用于接收用户终端发送的动态密码请求指令；动态密码发送策略获取模块，用于根据所述动态密码请求指令获取动态密码发送策略，所述动态密码发送策略的生成步骤包括：获取预设时间段内的动态密码发送数据；根据所述动态密码发送数据计算每个动态密码发送渠道的发送成功率；根据所述动态密码发送数据计算每个动态密码发送渠道的渠道权值；根据每个动态密码发送渠道的发送成功率和渠道权值，生成动态密码发送策略；当前动态密码发送渠道确定模块，用于根据所述动态密码发送策略确定当前动态密码发送渠道；当前动态密码生成模块，用于根据所述当前动态密码发送渠道生成当前动态密码；当前动态密码发送模块，用于将所述当前动态密码通过所述当前动态密码发送渠道发送至所述用户终端。
一种计算机设备，包括存储器和一个或多个处理器，所述存储器中存储有计算机可读指令，所述计算机可读指令被所述处理器执行时，使得所述一个或多个处理器执行以下步骤：获取预设时间段内的动态密码发送数据；根据所述动态密码发送数据计算每个动态密码发送渠道的发送成功率；根据所述动态密码发送数据计算每个动态密码发送渠道的渠道权值；及根据每个动态密码发送渠道的发送成功率和渠道权值，生成动态密码发送策略。
一种计算机设备，包括存储器和一个或多个处理器，所述存储器中存储有计算机可读指令，所述计算机可读指令被所述处理器执行时，使得所述一个或多个处理器执行以下步骤：接收用户终端发送的动态密码请求指令；根据所述动态密码请求指令获取动态密码发送策略，所述动态密码发送策略的生成步骤包括：获取预设时间段内的动态密码发送数据；根据所述动态密码发送数据计算每个动态密码发送渠道的发送成功率；根据所述动态密码发送数据计算每个动态密码发送渠道的渠道权值；根据每个动态密码发送渠道的发送成功率和渠道权值，生成动态密码发送策略；根据所述动态密码发送策略确定当前动态密码发送渠道；根据所述当前动态密码发送渠道生成当前动态密码；及将所述当前动态密码通过所述当前动态密码发送渠道发送至所述用户终端。
一个或多个存储有计算机可读指令的非易失性可读存储介质，所述计算机可读指令被一个或多个处理器执行时，使得所述一个或多个处理器执行以下步骤：获取预设时间段内的动态密码发送数据；根据所述动态密码发送数据计算每个动态密码发送渠道的发送成功率；根据所述动态密码发送数据计算每个动态密码发送渠道的渠道权值；及根据每个动态密码发送渠道的发送成功率和渠道权值，生成动态密码发送策略。
一个或多个存储有计算机可读指令的非易失性可读存储介质，所述计算机可读指令被一个或多个处理器执行时，使得所述一个或多个处理器执行以下步骤：接收用户终端发送的动态密码请求指令；根据所述动态密码请求指令获取动态密码发送策略，所述动态密码发送策略的生成步骤包括：获取预设时间段内的动态密码发送数据；根据所述动态密码发送数据计算每个动态密码发送渠道的发送成功率；根据所述动态密码发送数据计算每个动态密码发送渠道的渠道权值；根据每个动态密码发送渠道的发送成功率和渠道权值，生成动态密码发送策略；根据所述动态密码发送策略确定当前动态密码发送渠道；根据所述当前动态密码发送渠道生成当前动态密码；及将所述当前动态密码通过所述当前动态密码发送渠道发送至所述用户终端。
本申请的一个或多个实施例的细节在下面的附图和描述中提出。本申请的其它特征、目的和优点将从说明书、附图以及权利要求书变得明显。
附图说明
为了更清楚地说明本申请实施例中的技术方案，下面将对实施例中所需要使用的附图作简单地介绍，显而易见地，下面描述中的附图仅仅是本申请的一些实施例，对于本领域普通技术人员来讲，在不付出创造性劳动的前提下，还可以根据这些附图获得其它的附图。
图1为一个实施例中动态密码发送方法的应用环境图；
图2为一个实施例中动态密码发送策略生成方法的流程图；
图3为另一个实施例中动态密码发送策略生成方法的流程图；
图4为一个实施例中动态密码发送方法的流程图；
图5为一个实施例中动态密码发送策略的生成装置的结构框图；
图6为一个实施例中动态密码发送装置的结构框图；
图7为另一个实施例中动态密码发送装置的结构框图；
图8为一个实施例中服务器的内部结构图。
具体实施方式
为了使本申请的目的、技术方案及优点更加清楚明白，以下结合附图及实施例，对本申请进行进一步详细说明。应当理解，此处描述的具体实施例仅仅用以解释本申请，并不用于限定本申请。
可以理解，本申请所使用的术语“第一”、“第二”等可在本文中用于描述各种元件，但这些元件不受这些术语的限制。这些术语仅用于将第一个元件与另一个元件区分。举例来说，在不脱离本申请的范围的情况下，可以将第一动态密码发送渠道称为第二动态密码发送渠道，且类似地，可将第二动态密码发送渠道称为第一动态密码发送渠道。第一动态密码发送渠道和第二动态密码发送渠道两者都是动态密码发送渠道，但其不是同一动态密码发送渠道。
本申请实施例所提供的动态密码发送方法，可应用于如图1所示的应用环境中。参照图1，该应用环境包括服务器102、通讯终端104以及操作终端106。服务器102可以是独立的物理服务器，也可以是多个物理服务器构成的服务器集群。通讯终端104可以为普通手机、智能手机或具备通讯功能的其他通讯终端，比如安装有即时通讯软件的平板电脑、个人数字助理或者智能设备等。操作终端106也可以是手机、平板电脑、个人数字助理或者智能设备等。通讯终端104与操作终端106可为同一终端。服务器102可与通讯终端104通过运营商提供的通讯方式进行通讯连接，比如说服务器102可通过短信将动态密码发送至通讯终端104，服务器102还可通过拨号发送包含动态密码的语音信息至通讯终端104。服务器102可与操作终端106网络连接， 比如无线网络、有线网络及2G/3G/4G网络连接等网络连接。
在一个实施例中，如图2所示，提供了一种动态密码发送策略生成方法，该方法可用于如图1所示的应用环境中的服务器102，该方法包括：
步骤S202，获取预设时间段内的动态密码发送数据。
动态密码发送数据是指服务器在预设时间段给多个通讯终端发送动态密码的相关数据。其中，动态密码可以为根据专门的算法产生变化的随机数字、随机字母等其中一种或多种的组合，可用于当用户在操作终端上进行网络业务时确保系统身份验证安全性的数据。网络业务场景包括但不限于用户注册、密码找回、交易确认等场景。可以预设一个或多个时间段，获取该一个或多个时间段内的动态密码发送数据。比如，可以预设十分钟为一个时间段，获取该十分钟内的动态密码发送数据。再比如，可以预设三个十分钟的时间段，获取该三个时间段内的动态密码发送数据。
在一个实施例中，可以将多个时间段内的动态密码发送数据的平均值作为预设时间段内的动态密码发送数据。
步骤S204，根据动态密码发送数据计算每个动态密码发送渠道的发送成功率。
动态密码发送渠道是指服务器将动态密码发送到通讯终端所选取的渠道，包括但不限于短信下行、语音下行及语音上行等其中一种或多种的组合。其中，短信下行是指服务器通过运营商给通讯终端以短信形式发送动态密码，语音下行是指服务器通过运营商给通讯终端以语音信息形式发送动态密码，语音上行是指通讯终端通过运营商向服务器拨打电话索取语音动态密码。其中，运营商包括但不限于中国联通、中国电信、中国移动等提供固定电话、移动电话和互联网接入的通信服务公司。在同一时刻每个动态密码发送渠道都会进行着动态密码的发送，获取预设时间段内的每个动态密码发送渠道的动态密码发送数据之后，可以计算每个动态密码发送渠道的发送成功率。
在一个实施例中，获取预设时间段内的动态密码发送数据包括：获取预设时间段内，每个动态密码发送渠道下多个动态密码系统的动态密码发送数 据，动态密码发送数据包括每个动态密码系统的动态密码发送总量和相应动态密码系统的动态密码发送成功量；根据动态密码发送数据计算每个动态密码发送渠道的发送成功率，包括：根据每个动态密码系统的动态密码发送总量和动态密码发送成功量，计算生成每个动态密码发送渠道的发送成功率。
动态密码发送系统是指用户请求的动态密码所对应的系统。每个动态密码发送渠道下包括多个动态密码系统的动态密码发送数据。动态密码系统可为每个软件或网站的服务系统，也可为每个软件或网站的下不同业务的业务系统。比如说，用户在第一网站系统上购买产品时，会有用户注册、密码找回、交易确认等过程，用户在第二网站系统上参与抽奖活动时，也会有用户注册、密码找回、交易确认等过程。其中，每个网站系统下包含的多个业务过程可使用同一个动态密码发送系统，或者，每个网站系统下包含的每个业务过程都可使用一个单独的动态密码发送系统。动态密码发送总量是指每个动态密码系统的在预设时间段内总共发出的动态密码的数量，动态密码成功量是指每个动态密码系统的在预设时间段内发出并接收进行成功验证的动态密码的数量。动态密码渠道的发送成功率是指每个动态密码系统的在预设时间段成功发出动态密码的概率。
在一个实施例中，可以根据每个动态密码发送渠道下所有动态密码系统的动态密码发送总量及相应的动态密码发送成功量，计算生成每个动态密码发送渠道的发送成功率。或者，根据每个动态密码发送渠道下每个动态密码系统的动态密码发送总量和动态密码发送成功量，将动态密码发送总量除以动态密码发送成功量，计算生成每个动态密码发送系统的发送成功率之后，根据每个动态密码发送系统的发送成功率计算生成每个动态密码发送渠道的发送成功率。进一步地，可以计算每个动态密码发送渠道下每个动态密码系统的发送成功率的平均值作为每个动态密码发送渠道的发送成功率。或者将每个动态密码发送渠道下每个动态密码系统的发送成功率乘以相应的预设权值后相加求得。
步骤S206，根据动态密码发送数据计算每个动态密码发送渠道的渠道权 值。
渠道权值是指每个动态密码发送渠道综合重要程度。每个动态密码发送渠道的渠道权值，可根据该动态密码发送渠道在预设时间段内所发送的所有动态密码的重要程度综合得到。可根据动态密码的重要程度，将动态密码划分为第一等级动态密码、第二等级动态密码及第三等级动态密码等，且每一等级动态密码都预设有相应的等级权值。可根据动态密码发送渠道下所有动态密码的等级权值，按照预设的公式计算得到该动态密码发送渠道的渠道权值。
在一个实施例中，获取预设时间段内的动态密码发送数据，包括：获取预设时间段内，每个动态密码发送渠道下多个动态密码系统的动态密码发送数据，动态密码发送数据包括每个动态密码系统的动态密码发送总量和相应动态密码系统的系统权值；根据动态密码发送数据计算每个动态密码发送渠道的渠道权值，包括：根据每个动态密码系统的动态密码发送总量和系统权值，计算生成每个动态密码发送渠道的渠道权值。
动态密码的重要程度与动态密码的使用场景相关。比如说，动态密码的使用场景可包括金融交易、普通交易、核心系统及非核心系统四类。系统权值是指按照动态密码发送系统的重要程度，对该动态密码发送系统下的动态密码预设的权值。
在一个实施例中，相同使用场景的动态密码可通过相同的动态密码系统进行动态密码的发送，可根据使用场景的重要程度给每个动态密码系统预设相应的系统权值。获取预设时间段内，每个动态密码发送渠道下多个动态密码系统的动态密码发送总量之后，可结合每个动态密码系统的系统权值，计算每个动态密码发送渠道的渠道权值。比如说，对于金融交易、普通交易、核心系统及非核心系统四类相应的动态密码系统，预设由高到低的系统权值之后，每个动态密码发送渠道下四个系统的发送总量乘以相应的四个系统权值计算得到渠道权值。
举例来说，当动态密码发送渠道m下发送了四个动态密码系统的动态密 码时，可针对x、y、d、f四类动态密码系统，分别赋予相应的系统权值qx、qy、qd、qf，动态密码发送渠道m的渠道权值Zm可通过预设的公式计算得到，公式如下：
Figure PCTCN2017108280-appb-000001
其中，Cmx、Cmy、Cmd、Cmf分别为动态密码发送渠道m下x、y、d、f四类动态密码系统发送的动态密码的总量，α、β都为预设的参数。
步骤S208，根据每个动态密码发送渠道的发送成功率和渠道权值，生成动态密码发送策略。
动态密码发送策略是指发送动态密码所采取的方案。比如说，对每个动态密码发送渠道的发送量百分比进行的分配，或者是针对每个动态密码发送系统的发送量百分比进行的分配，还可以是针对用户终端对于多个动态密码发送渠道的推荐顺序或推荐比例。根据每个动态密码发送渠道的发送成功率和渠道权值，当检测到发送成功率和渠道权值在相应的预设数值区域时，采取相应的动态密码发送策略。
上述实施例中，通过提供多种动态密码发送渠道，计算每个动态密码发送渠道的发送成功率和渠道权值之后，根据发送成功率和渠道权值生成动态密码发送策略，使得在某一动态密码发送渠道发生异常的时候，及时将该渠道下的动态密码发送量百分比切换到成功率较高的动态密码发送渠道，降低动态密码被延误发送的风险，从而提高动态密码发送的成功率。
在一个实施例中，可以将发送成功率和渠道权值的取值划分为多个等级，根据发送成功率和渠道权值的等级生成动态密码发送策略。当获取到每个动态密码发送渠道相应的发送成功率和渠道权值的等级之后，可根据发送成功率和渠道权值的等级计算生成每个动态密码发送渠道的发送量百分比或者推荐比例等，还可以根据发送成功率和渠道权值的等级直接获取预设的发送量百分比或者推荐比例等，但不限于此。
举例来说，当发送成功率取值在A至B之间时就是第一级发送成功率，当发送成功率取值在B至C之间时就是第二级发送成功率，当渠道权值取值在a至b之间时就是第一级渠道权值，当渠道权值在b至c之间时就是第二级渠道权值。若第一动态密码发送渠道具有第一级发送成功率和第一级渠道权值，第二动态密码发送渠道具有第二级发送成功率和第二级渠道权值，可以直接获取预设的发送量百分比分配。比如，可预设第一动态密码发送渠道的发送量百分比为40％，第二动态密码发送渠道的发送量百分比为60％。若第一动态密码发送渠道具有第一级发送成功率和第二级渠道权值，第二动态密码发送渠道具有第二级发送成功率和第一级渠道权值，可预设第一动态密码发送渠道的发送量百分比为10％，第二动态密码发送渠道的发送量百分比为90％。
在一个实施例中，根据每个动态密码系统的动态密码发送总量和动态密码发送成功量计算生成每个动态密码发送渠道的发送成功率，和/或根据每个动态密码系统的动态密码发送总量和系统权值计算生成每个动态密码发送渠道的渠道权值之后，可根据每个动态密码发送渠道的发送成功率和渠道权值，生成每个动态密码系统的动态密码发送策略，动态密码发送策略包括每个动态密码系统在多个动态密码发送渠道下发送动态密码的发送量百分比。
可针对每个动态密码发送系统，生成相应的动态密码发送策略。其中，动态密码发送策略包括但不限于每个动态密码发送系统在在多个动态密码发送渠道的发送量百分比或推荐比例等。每个动态密码发送系统可对应多个用户终端，针对每个用户终端可根据该动态密码发送系统的动态密码发送策略提供一个或多个动态密码发送渠道。每个动态密码发送系统可对应多个用户终端提供相应的动态密码发送渠道，每个用户终端所对应的动态密码发送渠道可不一致。
在一个实施例中，根据每个动态密码发送渠道的发送成功率和渠道权值，生成动态密码发送策略，包括：判断每个动态密码发送渠道的发送成功率是否低于预设成功率阈值；当动态密码发送渠道的发送成功率低于预设成功率 阈值时，判断动态密码发送渠道的渠道权值是否大于预设渠道权值阈值；若是，则对动态密码发送渠道的动态密码发送量百分比根据预设的分摊比例进行计算，生成每个动态密码发送渠道下动态密码的发送量百分比。
可以预设成功率阈值和渠道权值阈值，计算得到每个动态密码发送渠道的发送成功率和渠道权值之后，将发送成功率与预设成功率阈值进行比较，还可将渠道权值和预设渠道权值进行比较。筛选出发送成功率低于预设成功率阈值且渠道权值高于预设渠道权值所对应的动态密码发送渠道，动态密码发送策略包括调低该动态密码发送渠道的发送量百分比。可以按照预设的分摊比例分摊该动态密码发送渠道的部分或者全部发送量百分比至其他动态密码发送渠道，分摊之后可重新计算每个动态密码发送渠道下动态密码的发送量百分比。
举例来说，原本的动态密码发送策略可为第一动态密码发送渠道和第二动态密码发送渠道分别发50％的动态密码，若经过计算之后检测到，第一动态密码发送渠道的发送成功率低于预设成功率阈值且渠道权值高于预设渠道权值，而第二动态密码发送渠道的发送成功率高于预设成功率阈值，可将第一动态密码发送渠道的发送量百分比分摊40％至第二动态密码发送渠道，则调整后的第一动态密码发送渠道和第二动态密码发送渠道的发送量分别为10％和90％。
在一个实施例中，如图3所示，提供了另一种动态密码发送策略的生成方法，该方法包括：
步骤S302，获取预设时间段内，每个动态密码发送渠道下多个动态密码系统的动态密码发送数据，动态密码发送数据包括每个动态密码系统的动态密码发送总量、动态密码发送成功量和相应动态密码系统的系统权值。
动态密码发送数据是指预设时间段内多个动态密码系统通过动态密码发送渠道发送动态密码的相关数据，包括但不限于每个动态密码系统的动态密码发送总量、动态密码发送成功量和相应动态密码系统的系统权值。其中，发送动态密码有多种动态密码发送渠道。
举例来说，动态密码发送渠道可为短信下行a、语音下行b及语音上行c。每个动态密码发送渠道发送的动态密码可按动态密码发送系统进行分类，比如说分成四类：金融交易x、普通交易y、核心系统d、非核心系统f。可给以上四类动态密码分别赋予系统权值qx、qy、qd、qf，且可根据重要程度将权值设置为qx＞qy＞qd＞qf。短信下行a的动态密码发送总量Ca可为四个动态密码发送系统通过短信下行a发送量之和，可表示为Ca＝Cax+Cay+Cad+Caf；短信下行a的动态密码发送成功量Sa可为四个动态密码发送系统通过短信下行a发送成功量之和，可表示为Sa＝Sax+Say+Sad+Saf。其中，Cax表示金融交易x通过短信下行a的发送量，Cay表示普通交易y通过短信下行a的发送量，Cad表示核心系统d通过短信下行a的发送量，Caf表示非核心系统f通过短信下行a的发送量；Sax表示金融交易x通过短信下行a的发送成功量，Say表示普通交易y通过短信下行a的发送成功量，Sad表示核心系统d通过短信下行a的发送成功量，Saf表示非核心系统f通过短信下行a的发送成功量。相应的，语音下行b的动态密码发送总量Cb，可表示为Cb＝Cbx+Cby+Cbd+Cbf；语音下行b的动态密码发送成功量Sb，可表示为Sb＝Sbx+Sby+Sbd+Sbf。相应的，语音上行c的动态密码发送总量Cc，可表示为Cc＝Ccx+Ccy+Ccd+Ccf；语音上行c的动态密码发送成功量Sc，可表示为Sc＝Scx+Scy+Scd+Scf。
步骤S304，根据每个动态密码系统的动态密码发送总量和动态密码发送成功量，计算生成每个动态密码发送渠道的发送成功率。
每个动态密码发送渠道的发送成功率是指根据每个动态密码发送渠道下多个动态密码系统的成功率，计算得到的综合成功率。
举例来说，可以分别计算每个动态密码系统的发送成功率，发送成功率可以表示为每个动态密码系统的动态密码发送成功量除以相应动态密码系统的动态密码发送总量，对多个发送成功率求平均值可以得到每个动态密码发送渠道的发送成功率。比如说，针对四个动态密码发送系统，短信下行a的 动态密码发送成功率Pa可表示为
Figure PCTCN2017108280-appb-000002
相应的语音下行b的动态密码发送成功率Pb可表示为
Figure PCTCN2017108280-appb-000003
语音上行c的动态密码发送成功率Pc可表示为
Figure PCTCN2017108280-appb-000004
步骤S306，根据每个动态密码系统的动态密码发送总量和系统权值，计算生成每个动态密码发送渠道的渠道权值。
每个动态密码发送渠道的渠道权值是指根据每个动态密码发送渠道下多个动态密码的系统权值和动态密码发送总量，计算得到的每个动态密码发送渠道的综合权值。
举例来说，针对上述四个动态密码发送系统的动态密码发送数据，可以计算得到每个动态密码发送渠道的渠道权值Zm，动态密码发送渠道的渠道权值可表示为以下公式：
Figure PCTCN2017108280-appb-000005
其中，m代表相应的动态密码发送渠道，可取值为a、b、c，α、β都为参数。进一步地，可以预设参数的取值范围，比如α、β都为整数，α可取值0至300000，β可取值0至5，具体取值可根据实际需求调整。
步骤S308，判断每个动态密码发送渠道的发送成功率是否低于预设成功率阈值。
可以直接根据每个动态密码发送渠道的发送成功率的取值与预设成功率阈值进行比较，也可以结合渠道权值，判断是否要调整每个动态密码发送渠道下动态密码发送量的百分比。当动态密码发送渠道的发送成功率低于预设成功率阈值时，执行步骤S310；若否，则不作处理。
举例来说，可以将发送成功率低于预设成功率阈值的动态密码发送渠道所对应的动态密码发送量百分比，切换部分或全部到其他成功高于预设成功率阈值的动态密码发送渠道。
步骤S310，判断动态密码发送渠道的渠道权值是否大于预设渠道权值阈值。
当动态密码发送渠道的渠道权值大于预设渠道权值阈值时，执行步骤S312；若否，则不作处理。可以预设一个或多个渠道权值阈值，还可以根据多个渠道权值阈值构成渠道权值区间。进一步地，可根据渠道权值所属的阈值区间确定相应的分摊比例，切换部分或全部的短信下行至其他动态密码发送渠道。比如说，当动态密码发送渠道的发送成功率低于预设成功率阈值时，渠道权值越高，可以分摊更大比例的发送量百分比至其他动态密码发送渠道。
举例来说，可以预设两个渠道权值阈值，0.6和0.8，判断渠道权值与预设渠道权值阈值的大小关系可包括三种情况，小于0.6、大于0.6而小于0.8以及大于0.8。
步骤S312，对动态密码发送渠道的动态密码发送量百分比根据预设的分摊比例进行计算，生成每个动态密码发送渠道下动态密码的发送量百分比。
可根据渠道权值与预设渠道权值阈值的大小关系获取预设的分摊比例。分摊比例是指动态密码发送成功率低于预设成功率阈值的，动态密码发送渠道的动态密码的发送量百分比，切换到其他动态密码发送渠道的比例。
举例来说，当检测到短信下行的发送成功率低于20％，且渠道权值大于0.6而小于0.8时，可将短信下行50％的发送量百分比分摊至成语音上行和/或语音下行。当检测到短信下行的发送成功率低于20％，且渠道权值大于0.8时，可将短信下行80％的发送量百分比分摊至成语音上行和/或语音下行。
上述实施例中，通过提供多种动态密码发送渠道，按照预设的公式计算出每个动态密码发送渠道的发送成功率和渠道权值之后，根据发送成功率和渠道权值生成每个动态密码发送渠道下动态密码的发送量百分比，使得在某一动态密码发送渠道发生异常的时候，及时将发送成功率低于预设成功率阈 值且渠道权值大于预设渠道权值阈值的，动态密码发送渠道下的动态密码发送量百分比降低，从而降低动态密码发送失败的风险，使得提高动态密码发送的成功率。
在一个实施例中，如图4所示，提供了一种动态密码发送方法，方法包括：
步骤S402，接收用户终端发送的动态密码请求指令。
用户终端是指用户进行动态密码请求操作以及接收动态密码的终端，包括但不限于通讯终端和操作终端。动态密码请求指令是指操作终端根据用户的动态密码请求操作所生成的指令。服务器可接收操作终端生成的动态密码请求指令。
在一个实施例中，针对动态密码请求操作，可提供相应的动态密码请求界面，该界面上可包括动态密码请求控件，当接收到作用于该控件的点击操作时，可触发生成相应的动态密码请求指令。
步骤S404，根据动态密码请求指令获取动态密码发送策略。
动态密码发送策略可为上述各实施例中的动态密码发送策略的生成方法所生成的动态密码发送策略。比如动态密码发送策略的生成步骤包括：获取预设时间段内的动态密码发送数据；根据动态密码发送数据计算每个动态密码发送渠道的发送成功率；根据动态密码发送数据计算每个动态密码发送渠道的渠道权值；根据每个动态密码发送渠道的发送成功率和渠道权值，生成动态密码发送策略。动态密码发送策略是指发送动态密码所采取的方案。比如说，对每个动态密码发送渠道的发送量百分比进行的分配，或者是针对每个动态密码发送系统的发送量百分比进行的分配，还可以是针对用户终端对于多个动态密码发送渠道的推荐顺序或推荐比例。根据每个动态密码发送渠道的发送成功率和渠道权值，当检测到发送成功率和渠道权值在相应的预设数值区域时，采取相应的动态密码发送策略。
步骤S406，根据动态密码发送策略确定当前动态密码发送渠道。
当前动态密码发送渠道是指对发出动态密码请求指令的用户终端所采取 的动态密码发送渠道。可根据动态密码发送策略的每个动态密码发送渠道的发送量百分比或推荐比例等确定当前动态密码发送渠道。比如说，将发送量百分比最高的动态密码发送渠道作为当前动态密码发送渠道。进一步地，可通过结合动态密码发送策略与每个用户终端的具体情况确定当前动态密码发送渠道。比如说，若多个动态密码发送渠道的发送成功率都大于预设成功率阈值，则动态密码发送策略可向用户终端提供多个动态密码发送渠道，用户可对动态密码发送渠道进行选择。
步骤S408，根据当前动态密码发送渠道生成当前动态密码。
当前动态密码是指对发出动态密码请求指令的用户终端要发送的动态密码。动态密码可以是按照预设的算法随机生成的数字串，可以是四位、六位等多位数字，比如说4321或123456。若当前动态密码发送渠道是短信下行，则当前动态密码的形式可为文本形式的短信，若当前动态密码发送渠道是语音下行或语音上行，则当前动态密码的形式可为语音信息。
步骤S410，将当前动态密码通过当前动态密码发送渠道发送至用户终端。
在一个实施例中，当确定的当前动态密码发送渠道为语音上行时，用户可以在拨通预设的电话号码之后，获取相应的动态密码的语音信息。或者用户可以在拨通预设的电话号码之后说出预设的关键词，比如说“寿险保单动态密码”，还可以通过点击相应的拨号按键，触发获取动态密码的语音信息。
上述实施例中，通过提供多种动态密码发送渠道，在接收用户终端发送的动态密码请求指令之后，计算每个动态密码发送渠道的发送成功率和渠道权值之后，根据发送成功率和渠道权值生成动态密码发送策略，根据动态密码发送策略确定给用户终端发送动态密码的动态密码发送渠道。当由于供应商异常或用户终端网络环境不佳等原因导致某动态密码发送渠道发生异常的时候，能够及时采取其他动态密码发送渠道，降低动态密码发送失败的风险，从而提高动态密码发送的成功率。
在一个实施例中，动态密码发送策略的生成步骤还包括：获取预设时间段内，每个动态密码发送渠道下多个动态密码系统的动态密码发送数据，动 态密码发送数据包括每个动态密码系统的动态密码发送总量和相应动态密码系统的动态密码发送成功量；根据每个动态密码系统的动态密码发送总量和动态密码发送成功量，计算生成每个动态密码发送渠道的发送成功率。进一步地，可根据每个动态密码发送渠道的发送成功率和渠道权值，生成每个动态密码系统的动态密码发送策略，动态密码发送策略包括每个动态密码系统在多个动态密码发送渠道下发送动态密码的发送量百分比。
在一个实施例中，动态密码发送策略的生成步骤还包括：获取预设时间段内，每个动态密码发送渠道下多个动态密码系统的动态密码发送数据，动态密码发送数据包括每个动态密码系统的动态密码发送总量和相应动态密码系统的系统权值；根据每个动态密码系统的动态密码发送总量和系统权值，计算生成每个动态密码发送渠道的渠道权值。进一步地，可根据每个动态密码发送渠道的发送成功率和渠道权值，生成每个动态密码系统的动态密码发送策略，动态密码发送策略包括每个动态密码系统在多个动态密码发送渠道下发送动态密码的发送量百分比。
在一个实施例中，在接收用户终端发送的动态密码请求指令之后，还包括：根据动态密码请求指令获取用户终端的渠道历史记录，渠道历史记录为用户终端接收动态密码所采用的动态密码发送渠道的历史记录；根据动态密码发送策略确定当前动态密码发送渠道，包括：根据动态密码发送策略和渠道历史记录确定当前动态密码发送渠道。
举例来说，用户的渠道历史记录代表了用户偏好，比如视力不好需要借助听力的用户通常会选择语音下行的动态密码发送渠道，经常处于嘈杂的环境或者静音场合的用户通常会选择短信下行的动态密码发送渠道。当根据动态密码发送策略中可提供短信下行及语音下行等多种动态密码发送渠道时，若用户的渠道历史记录显示用户经常选择短信下行的渠道，则可将短信下行作为当前动态密码发送渠道。
在一个实施例中，如图5所示，提供了一种动态密码发送策略的生成装置500，该装置包括：动态密码发送数据处获取模块502，用于获取预设时间 段内的动态密码发送数据；发送成功率计算模块504，用于根据动态密码发送数据计算每个动态密码发送渠道的发送成功率；渠道权值计算模块506，用于根据动态密码发送数据计算每个动态密码发送渠道的渠道权值；动态密码发送策略生成模块508，用于根据每个动态密码发送渠道的发送成功率和渠道权值，生成动态密码发送策略。
在一个实施例中，动态密码发送数据处获取模块502还用于获取预设时间段内，每个动态密码发送渠道下多个动态密码系统的动态密码发送数据，动态密码发送数据包括每个动态密码系统的动态密码发送总量和相应动态密码系统的动态密码发送成功量；发送成功率计算模块504还用于根据每个动态密码系统的动态密码发送总量和动态密码发送成功量，计算生成每个动态密码发送渠道的发送成功率；动态密码发送策略生成模块508还用于根据每个动态密码发送渠道的发送成功率和渠道权值，生成每个动态密码系统的动态密码发送策略，动态密码发送策略包括每个动态密码系统在多个动态密码发送渠道下发送动态密码的发送量百分比。
在一个实施例中，动态密码发送数据处获取模块502还用于获取预设时间段内，每个动态密码发送渠道下多个动态密码系统的动态密码发送数据，动态密码发送数据包括每个动态密码系统的动态密码发送总量和相应动态密码系统的系统权值；渠道权值计算模块506还用于根据每个动态密码系统的动态密码发送总量和系统权值，计算生成每个动态密码发送渠道的渠道权值；动态密码发送策略生成模块508还用于根据每个动态密码发送渠道的发送成功率和渠道权值，生成每个动态密码系统的动态密码发送策略，动态密码发送策略包括每个动态密码系统在多个动态密码发送渠道下发送动态密码的发送量百分比。
在一个实施例中，动态密码发送策略生成模块508还用于判断每个动态密码发送渠道的发送成功率是否低于预设成功率阈值；当动态密码发送渠道的发送成功率低于预设成功率阈值时，判断动态密码发送渠道的渠道权值是否大于预设渠道权值阈值；若是，则对动态密码发送渠道的动态密码发送量 百分比根据预设的分摊比例进行计算，生成每个动态密码发送渠道下动态密码的发送量百分比。
在一个实施例中，如图6所示，提供了一种动态密码发送装置600，该装置包括：动态密码请求指令接收模块602，用于接收用户终端发送的动态密码请求指令；动态密码发送策略获取模块604，用于根据动态密码请求指令获取动态密码发送策略，动态密码发送策略的生成步骤包括：获取预设时间段内的动态密码发送数据；根据动态密码发送数据计算每个动态密码发送渠道的发送成功率；根据动态密码发送数据计算每个动态密码发送渠道的渠道权值；根据每个动态密码发送渠道的发送成功率和渠道权值，生成动态密码发送策略；当前动态密码发送渠道确定模块606，用于根据动态密码发送策略确定当前动态密码发送渠道；当前动态密码生成模块608，用于根据当前动态密码发送渠道生成当前动态密码；当前动态密码发送模块610，用于将当前动态密码通过当前动态密码发送渠道发送至用户终端。
在一个实施例中，如图7，提供了另一种动态密码发送装置700，该装置还包括：渠道历史记录获取模块612，用于根据动态密码请求指令获取用户终端的渠道历史记录，渠道历史记录为用户终端接收动态密码所采用的动态密码发送渠道的历史记录；当前动态密码发送渠道确定模块606还用于根据动态密码发送策略和渠道历史记录确定当前动态密码发送渠道。
上述动态密码发送策略生成装置和动态密码发送装置中的各个模块可全部或部分通过软件、硬件及其组合来实现。上述各模块可以硬件形式内嵌于或独立于服务器的存储器中，也可以以软件形式存储于服务器的存储器中，以便于处理器调用执行以上各个模块对应的操作。该处理器可以为中央处理单元(CPU)、微处理器、单片机等。
上述动态密码发送策略生成装置和动态密码发送装置可以实现为一种计算机可读指令的形式，在如图8所示的服务器上运行。
在一个实施例中，提供了一个或多个存储有计算机可读指令的非易失性可读存储介质，计算机可读指令被一个或多个处理器执行时，使得一个或多 个处理器执行上述各个实施例中动态密码发送策略的生成方法的步骤。
在一个实施例中，提供了一个或多个存储有计算机可读指令的非易失性可读存储介质，计算机可读指令被一个或多个处理器执行时，使得一个或多个处理器执行上述各个实施例中动态密码发送方法的步骤。
在一个实施例中，提供了一种计算机设备，包括存储器和一个或多个处理器，存储器中存储有计算机可读指令，计算机可读指令被处理器执行时，使得一个或多个处理器执行上述各个实施例中动态密码发送策略的生成方法的步骤。
在一个实施例中，提供了一种计算机设备，包括存储器和一个或多个处理器，存储器中存储有计算机可读指令，计算机可读指令被处理器执行时，使得一个或多个处理器执行上述各个实施例中动态密码发送方法的步骤。
在一个实施例中，上述的计算机设备可包括但不限于独立的物理服务器，或者是多个物理服务器构成的服务器集群。如图8所示，为一个实施例中服务器的内部结构示意图。该服务器包括通过系统总线连接的处理器、非易失性存储介质、内存储器和网络接口。
其中，该服务器的处理器用于提供计算和控制能力，支撑整个服务器的运行。服务器的非易失性存储介质存储有操作系统、数据库和计算机可读指令。该数据库中存储有用于实现以上各个实施例所提供的一种动态密码发送策略的生成方法和动态密码发送方法相关的数据，比如可存储有用户终端的渠道历史记录。该计算机可读指令可被处理器所执行，以用于实现以上各个实施例所提供的一种动态密码发送策略的生成方法和动态密码发送方法。终端中的内存储器为非易失性存储介质中的操作系统、数据库和计算机可读指令提供高速缓存的运行环境。网络接口可以是以太网卡或无线网卡等，用于与外部的终端或服务器进行通信。
本领域技术人员可以理解，图8中示出的服务器的结构，仅仅是与本申请方案相关的部分结构的框图，并不构成对本申请方案所应用于其上的服务器的限定，具体的服务器可以包括比图中所示更多或更少的部件，或者组合 某些部件，或者具有不同的部件布置。比如，该图中的服务器还可包括显示屏等。
本领域普通技术人员可以理解实现上述实施例方法中的全部或部分流程，是可以通过计算机可读指令来指令相关的硬件来完成，所述的计算机可读指令可存储于一非易失性计算机可读取存储介质中，该计算机可读指令在执行时，可包括如上述各方法的实施例的流程。其中，所述的存储介质可为磁碟、光盘、只读存储记忆体(Read-Only Memory，ROM)等。
以上所述实施例的各技术特征可以进行任意的组合，为使描述简洁，未对上述实施例中的各个技术特征所有可能的组合都进行描述，然而，只要这些技术特征的组合不存在矛盾，都应当认为是本说明书记载的范围。
以上所述实施例仅表达了本申请的几种实施方式，其描述较为具体和详细，但并不能因此而理解为对发明专利范围的限制。应当指出的是，对于本领域的普通技术人员来说，在不脱离本申请构思的前提下，还可以做出若干变形和改进，这些都属于本申请的保护范围。因此，本申请专利的保护范围应以所附权利要求为准。

Claims (20)

  1. 一种动态密码发送策略的生成方法，包括：
    获取预设时间段内的动态密码发送数据；
    根据所述动态密码发送数据计算每个动态密码发送渠道的发送成功率；
    根据所述动态密码发送数据计算每个动态密码发送渠道的渠道权值；及
    根据每个动态密码发送渠道的发送成功率和渠道权值，生成动态密码发送策略。
  2. 根据权利要求1所述的方法，其特征在于，所述获取预设时间段内的动态密码发送数据，包括：
    获取预设时间段内，每个动态密码发送渠道下多个动态密码系统的动态密码发送数据，所述动态密码发送数据包括每个动态密码系统的动态密码发送总量和相应动态密码系统的动态密码发送成功量；
    所述根据所述动态密码发送数据计算每个动态密码发送渠道的发送成功率，包括：
    根据每个动态密码系统的动态密码发送总量和动态密码发送成功量，计算生成每个动态密码发送渠道的发送成功率；及
    所述根据每个动态密码发送渠道的发送成功率和渠道权值，生成动态密码发送策略，包括：
    根据每个动态密码发送渠道的发送成功率和渠道权值，生成每个动态密码系统的动态密码发送策略，所述动态密码发送策略包括每个动态密码系统在多个动态密码发送渠道下发送动态密码的发送量百分比。
  3. 根据权利要求1所述的方法，其特征在于，所述获取预设时间段内的动态密码发送数据，包括：
    获取预设时间段内，每个动态密码发送渠道下多个动态密码系统的动态密码发送数据，所述动态密码发送数据包括每个动态密码系统的动态密码发送总量和相应动态密码系统的系统权值；
    所述根据所述动态密码发送数据计算每个动态密码发送渠道的渠道权 值，包括：
    根据每个动态密码系统的动态密码发送总量和系统权值，计算生成每个动态密码发送渠道的渠道权值；及
    所述根据每个动态密码发送渠道的发送成功率和渠道权值，生成动态密码发送策略，包括：
    根据每个动态密码发送渠道的发送成功率和渠道权值，生成每个动态密码系统的动态密码发送策略，所述动态密码发送策略包括每个动态密码系统在多个动态密码发送渠道下发送动态密码的发送量百分比。
  4. 根据权利要求1所述的方法，其特征在于，所述根据每个动态密码发送渠道的发送成功率和渠道权值，生成动态密码发送策略，包括：
    判断每个动态密码发送渠道的发送成功率是否低于预设成功率阈值；
    当动态密码发送渠道的发送成功率低于预设成功率阈值时，判断所述动态密码发送渠道的渠道权值是否大于预设渠道权值阈值；及
    若是，则对所述动态密码发送渠道的动态密码发送量百分比根据预设的分摊比例进行计算，生成每个动态密码发送渠道下动态密码的发送量百分比。
  5. 一种动态密码发送方法，包括：
    接收用户终端发送的动态密码请求指令；
    根据所述动态密码请求指令获取动态密码发送策略，所述动态密码发送策略的生成步骤包括：获取预设时间段内的动态密码发送数据；根据所述动态密码发送数据计算每个动态密码发送渠道的发送成功率；根据所述动态密码发送数据计算每个动态密码发送渠道的渠道权值；根据每个动态密码发送渠道的发送成功率和渠道权值，生成动态密码发送策略；
    根据所述动态密码发送策略确定当前动态密码发送渠道；
    根据所述当前动态密码发送渠道生成当前动态密码；及
    将所述当前动态密码通过所述当前动态密码发送渠道发送至所述用户终端。
  6. 根据权利要求5所述的方法，其特征在于，在所述接收用户终端发送 的动态密码请求指令之后，还包括：
    根据所述动态密码请求指令获取所述用户终端的渠道历史记录，所述渠道历史记录为所述用户终端接收动态密码所采用的动态密码发送渠道的历史记录；及
    所述根据所述动态密码发送策略确定当前动态密码发送渠道，包括：
    根据所述动态密码发送策略和所述渠道历史记录确定当前动态密码发送渠道。
  7. 一种动态密码发送策略的生成装置，其特征在于，所述装置包括：
    动态密码发送数据处获取模块，用于获取预设时间段内的动态密码发送数据；
    发送成功率计算模块，用于根据所述动态密码发送数据计算每个动态密码发送渠道的发送成功率；
    渠道权值计算模块，用于根据所述动态密码发送数据计算每个动态密码发送渠道的渠道权值；
    动态密码发送策略生成模块，用于根据每个动态密码发送渠道的发送成功率和渠道权值，生成动态密码发送策略。
  8. 一种动态密码发送装置，其特征在于，所述装置包括：
    动态密码请求指令接收模块，用于接收用户终端发送的动态密码请求指令；
    动态密码发送策略获取模块，用于根据所述动态密码请求指令获取动态密码发送策略，所述动态密码发送策略的生成步骤包括：获取预设时间段内的动态密码发送数据；根据所述动态密码发送数据计算每个动态密码发送渠道的发送成功率；根据所述动态密码发送数据计算每个动态密码发送渠道的渠道权值；根据每个动态密码发送渠道的发送成功率和渠道权值，生成动态密码发送策略；
    当前动态密码发送渠道确定模块，用于根据所述动态密码发送策略确定当前动态密码发送渠道；
    当前动态密码生成模块，用于根据所述当前动态密码发送渠道生成当前动态密码；
    当前动态密码发送模块，用于将所述当前动态密码通过所述当前动态密码发送渠道发送至所述用户终端。
  9. 一种计算机设备，包括存储器和一个或多个处理器，所述存储器中存储有计算机可读指令，所述计算机可读指令被所述处理器执行时，使得所述一个或多个处理器执行以下步骤：
    获取预设时间段内的动态密码发送数据；
    根据所述动态密码发送数据计算每个动态密码发送渠道的发送成功率；
    根据所述动态密码发送数据计算每个动态密码发送渠道的渠道权值；及
    根据每个动态密码发送渠道的发送成功率和渠道权值，生成动态密码发送策略。
  10. 根据权利要求9所述的计算机设备，其特征在于，所述处理器所执行的获取预设时间段内的动态密码发送数据的步骤，包括：
    获取预设时间段内，每个动态密码发送渠道下多个动态密码系统的动态密码发送数据，所述动态密码发送数据包括每个动态密码系统的动态密码发送总量和相应动态密码系统的动态密码发送成功量；
    所述处理器所执行的根据所述动态密码发送数据计算每个动态密码发送渠道的发送成功率，包括：
    根据每个动态密码系统的动态密码发送总量和动态密码发送成功量，计算生成每个动态密码发送渠道的发送成功率；及
    所述处理器所执行的根据每个动态密码发送渠道的发送成功率和渠道权值，生成动态密码发送策略的步骤，包括：
    根据每个动态密码发送渠道的发送成功率和渠道权值，生成每个动态密码系统的动态密码发送策略，所述动态密码发送策略包括每个动态密码系统在多个动态密码发送渠道下发送动态密码的发送量百分比。
  11. 根据权利要求9所述的计算机设备，其特征在于，所述处理器所执 行的获取预设时间段内的动态密码发送数据的步骤，包括：
    获取预设时间段内，每个动态密码发送渠道下多个动态密码系统的动态密码发送数据，所述动态密码发送数据包括每个动态密码系统的动态密码发送总量和相应动态密码系统的系统权值；
    所述处理器所执行的根据所述动态密码发送数据计算每个动态密码发送渠道的渠道权值的步骤，包括：
    根据每个动态密码系统的动态密码发送总量和系统权值，计算生成每个动态密码发送渠道的渠道权值；及
    所述处理器所执行的根据每个动态密码发送渠道的发送成功率和渠道权值，生成动态密码发送策略的步骤，包括：
    根据每个动态密码发送渠道的发送成功率和渠道权值，生成每个动态密码系统的动态密码发送策略，所述动态密码发送策略包括每个动态密码系统在多个动态密码发送渠道下发送动态密码的发送量百分比。
  12. 根据权利要求9所述的计算机设备，其特征在于，所述处理器所执行的根据每个动态密码发送渠道的发送成功率和渠道权值，生成动态密码发送策略的步骤，包括：
    判断每个动态密码发送渠道的发送成功率是否低于预设成功率阈值；
    当动态密码发送渠道的发送成功率低于预设成功率阈值时，判断所述动态密码发送渠道的渠道权值是否大于预设渠道权值阈值；及
    若是，则对所述动态密码发送渠道的动态密码发送量百分比根据预设的分摊比例进行计算，生成每个动态密码发送渠道下动态密码的发送量百分比。
  13. 一种计算机设备，包括存储器和一个或多个处理器，所述存储器中存储有计算机可读指令，所述计算机可读指令被所述处理器执行时，使得所述一个或多个处理器执行以下步骤：
    接收用户终端发送的动态密码请求指令；
    根据所述动态密码请求指令获取动态密码发送策略，所述动态密码发送策略的生成步骤包括：获取预设时间段内的动态密码发送数据；根据所述动 态密码发送数据计算每个动态密码发送渠道的发送成功率；根据所述动态密码发送数据计算每个动态密码发送渠道的渠道权值；根据每个动态密码发送渠道的发送成功率和渠道权值，生成动态密码发送策略；
    根据所述动态密码发送策略确定当前动态密码发送渠道；
    根据所述当前动态密码发送渠道生成当前动态密码；及
    将所述当前动态密码通过所述当前动态密码发送渠道发送至所述用户终端。
  14. 根据权利要求13所述的计算机设备，其特征在于，在所述处理器所执行的接收用户终端发送的动态密码请求指令的步骤之后，还包括：
    根据所述动态密码请求指令获取所述用户终端的渠道历史记录，所述渠道历史记录为所述用户终端接收动态密码所采用的动态密码发送渠道的历史记录；及
    所述处理器所执行的根据所述动态密码发送策略确定当前动态密码发送渠道的步骤，包括：
    根据所述动态密码发送策略和所述渠道历史记录确定当前动态密码发送渠道。
  15. 一个或多个存储有计算机可读指令的非易失性可读存储介质，所述计算机可读指令被一个或多个处理器执行时，使得所述一个或多个处理器执行以下步骤：
    获取预设时间段内的动态密码发送数据；
    根据所述动态密码发送数据计算每个动态密码发送渠道的发送成功率；
    根据所述动态密码发送数据计算每个动态密码发送渠道的渠道权值；及
    根据每个动态密码发送渠道的发送成功率和渠道权值，生成动态密码发送策略。
  16. 根据权利要求15所述的存储介质，其特征在于，所述处理器所执行的获取预设时间段内的动态密码发送数据的步骤，包括：
    获取预设时间段内，每个动态密码发送渠道下多个动态密码系统的动态 密码发送数据，所述动态密码发送数据包括每个动态密码系统的动态密码发送总量和相应动态密码系统的动态密码发送成功量；
    所述处理器所执行的根据所述动态密码发送数据计算每个动态密码发送渠道的发送成功率，包括：
    根据每个动态密码系统的动态密码发送总量和动态密码发送成功量，计算生成每个动态密码发送渠道的发送成功率；及
    所述处理器所执行的根据每个动态密码发送渠道的发送成功率和渠道权值，生成动态密码发送策略的步骤，包括：
    根据每个动态密码发送渠道的发送成功率和渠道权值，生成每个动态密码系统的动态密码发送策略，所述动态密码发送策略包括每个动态密码系统在多个动态密码发送渠道下发送动态密码的发送量百分比。
  17. 根据权利要求15所述的存储介质，其特征在于，所述处理器所执行的获取预设时间段内的动态密码发送数据的步骤，包括：
    获取预设时间段内，每个动态密码发送渠道下多个动态密码系统的动态密码发送数据，所述动态密码发送数据包括每个动态密码系统的动态密码发送总量和相应动态密码系统的系统权值；
    所述处理器所执行的根据所述动态密码发送数据计算每个动态密码发送渠道的渠道权值的步骤，包括：
    根据每个动态密码系统的动态密码发送总量和系统权值，计算生成每个动态密码发送渠道的渠道权值；及
    所述处理器所执行的根据每个动态密码发送渠道的发送成功率和渠道权值，生成动态密码发送策略的步骤，包括：
    根据每个动态密码发送渠道的发送成功率和渠道权值，生成每个动态密码系统的动态密码发送策略，所述动态密码发送策略包括每个动态密码系统在多个动态密码发送渠道下发送动态密码的发送量百分比。
  18. 根据权利要求15所述的存储介质，其特征在于，所述处理器所执行的根据每个动态密码发送渠道的发送成功率和渠道权值，生成动态密码发送 策略的步骤，包括：
    判断每个动态密码发送渠道的发送成功率是否低于预设成功率阈值；
    当动态密码发送渠道的发送成功率低于预设成功率阈值时，判断所述动态密码发送渠道的渠道权值是否大于预设渠道权值阈值；及
    若是，则对所述动态密码发送渠道的动态密码发送量百分比根据预设的分摊比例进行计算，生成每个动态密码发送渠道下动态密码的发送量百分比。
  19. 一个或多个存储有计算机可读指令的非易失性可读存储介质，所述计算机可读指令被一个或多个处理器执行时，使得所述一个或多个处理器执行以下步骤：
    接收用户终端发送的动态密码请求指令；
    根据所述动态密码请求指令获取动态密码发送策略，所述动态密码发送策略的生成步骤包括：获取预设时间段内的动态密码发送数据；根据所述动态密码发送数据计算每个动态密码发送渠道的发送成功率；根据所述动态密码发送数据计算每个动态密码发送渠道的渠道权值；根据每个动态密码发送渠道的发送成功率和渠道权值，生成动态密码发送策略；
    根据所述动态密码发送策略确定当前动态密码发送渠道；
    根据所述当前动态密码发送渠道生成当前动态密码；及
    将所述当前动态密码通过所述当前动态密码发送渠道发送至所述用户终端。
  20. 根据权利要求19所述的存储介质，其特征在于，在所述处理器所执行的接收用户终端发送的动态密码请求指令的步骤之后，还包括：
    根据所述动态密码请求指令获取所述用户终端的渠道历史记录，所述渠道历史记录为所述用户终端接收动态密码所采用的动态密码发送渠道的历史记录；及
    所述处理器所执行的根据所述动态密码发送策略确定当前动态密码发送渠道的步骤，包括：根据所述动态密码发送策略和所述渠道历史记录确定当前动态密码发送渠道。
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