WO2019047345A1

WO2019047345A1 - Method of generating one-time password sending policy, and one-time password sending method

Info

Publication number: WO2019047345A1
Application number: PCT/CN2017/108280
Authority: WO
Inventors: 赵骏; 宋杰
Original assignee: 平安科技（深圳）有限公司
Priority date: 2017-09-05
Filing date: 2017-10-30
Publication date: 2019-03-14
Also published as: CN107682316A; CN107682316B

Abstract

A method for generating a one-time password sending policy, the method comprising: acquiring one-time password sending data of a predetermined period; calculating, according to the one-time password sending data, a sending success rate of each one-time password sending channel; calculating, according to the one-time password sending data, a channel weight value of each one-time password sending channel; and generating, according to the sending success rate and channel weight value of each one-time password sending channel, a one-time password sending policy.

Description

Method for generating dynamic password sending policy and dynamic password sending method

This application claims the priority of the Chinese Patent Application filed on September 5, 2017, the Chinese Patent Office, the application number is 2017107929192, and the invention titled "Dynamic Password Transmission Policy Generation Method and Dynamic Password Transmission Method", the entire contents of which are incorporated by reference. Combined in this application.

Technical field

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.

Background technique

At present, most network platforms, banks, and third-party payment platforms have applied dynamic passwords to network service applications such as user registration, password recovery, identity authentication, and transaction confirmation. Dynamic passwords are an unpredictable combination of random numbers generated by a proprietary algorithm, and each dynamic password can only be used once. Among them, SMS dynamic password is the current mainstream dynamic password transmission channel because of its convenient and easy to use and wide coverage. Before the user performs network service operations, the user needs to enter the mobile phone number of the user. When the user sends a dynamic password verification request, 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.

However, the traditional dynamic password transmission channel is relatively simple. When the dynamic password transmission channel is abnormal, the user cannot obtain the dynamic password for the next operation. Or when the user is in an environment with poor signal and network delay, 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.

Summary of the invention

According to various embodiments of the present application, a method, an apparatus, a storage medium, and a computer device for generating a dynamic password transmission policy are provided.

According to various embodiments of the present application, 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, the device 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, the 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.

Details of one or more embodiments of the present application are set forth in the accompanying drawings and description below. Other features, objects, and advantages of the invention will be apparent from the description and appended claims.

DRAWINGS

In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings to be used in the embodiments will be briefly described below. Obviously, the drawings in the following description are only some embodiments of the present application, Those skilled in the art can also obtain other drawings based on these drawings without any creative work.

1 is an application environment diagram of a dynamic password sending method in an embodiment;

2 is a flowchart of a method for generating a dynamic password sending policy in an embodiment;

3 is a flowchart of a method for generating a dynamic password sending policy in another embodiment;

4 is a flowchart of a method for transmitting a dynamic password in an 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;

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.

Detailed ways

In order to make the objects, technical solutions, and advantages of the present application more comprehensible, the present application will be further described in detail below with reference to the accompanying drawings and embodiments. It is understood that the specific embodiments described herein are merely illustrative of the application and are not intended to be limiting.

It will be understood that the terms "first", "second" and the like, as used herein, 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. For example, the 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. Referring to 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.

In an embodiment, as shown in FIG. 2, a dynamic password sending policy generating method is provided, 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.

In one embodiment, 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. Among them, 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. At the same time, 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.

In an embodiment, 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. According to the dynamic password transmission data, 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. Among them, 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 number of verified dynamic passwords. 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.

In one embodiment, 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. Or, according to 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. After the transmission success rate, 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. Further, 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. Alternatively, 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.

In an embodiment, 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. For example, 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.

In an embodiment, 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. After obtaining the total amount of dynamic passwords sent by multiple dynamic password systems in each dynamic password transmission channel within a preset time period, the system weights of each dynamic password system may be combined to calculate the channel weight of each dynamic password transmission channel. . For example, for financial transactions, general transactions, core systems, and non-core systems, 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.

For example, when dynamic passwords of four dynamic password systems are sent under the dynamic password transmission channel m, the system weights qx, qy, qd can be respectively assigned to the four types of dynamic password systems x, y, d, and f. , qf, 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 α and β 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. For example, 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.

In the foregoing embodiment, after providing a plurality of dynamic password sending channels, calculating a sending success rate and a channel weight of each dynamic password sending channel, generating a dynamic password sending policy according to the sending success rate and the channel weight, so that the dynamic When the password transmission channel is abnormal, the percentage of the dynamic password sent under the channel is switched to the dynamic password sending channel with higher success rate, which reduces the risk of the dynamic password being delayed, thereby improving the success rate of dynamic password transmission.

In one embodiment, 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. After obtaining the corresponding transmission success rate and channel weight level of each dynamic password transmission channel, 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.

For example, 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. 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%. If 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, and the first dynamic password may be preset. The sending percentage of the sending channel is 10%, and the percentage of sending the second dynamic password sending channel is 90%.

In one embodiment, 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. After the total amount and the system weight calculation generate the channel weight of each dynamic password sending channel, 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.

In an embodiment, 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.

For example, 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.

In an embodiment, as shown in FIG. 3, another method for generating a dynamic password sending policy is provided, and the method 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. Among them, there are multiple dynamic password sending channels for sending dynamic passwords.

For example, 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. The total amount of dynamic password transmission Ca of the short message downlink a can be the sum of the sending amount of the four dynamic password sending systems through the short message of the short message, which can be expressed as Ca=Cax+Cay+Cad+Caf; the dynamic password sending success amount of the short message downlink a Sa The sum of the success amounts of the four dynamic password transmission systems through the short message downlink a can be expressed as Sa=Sax+Say+Sad+Saf. Among them, 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, and 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, and 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. Correspondingly, the total dynamic password transmission Cb of the voice downlink b can be expressed as Cb=Cbx+Cby+Cbd+Cbf; the dynamic password transmission success amount Sb of the voice downlink b can be expressed as Sb=Sbx+Sby+Sbd+Sbf . Correspondingly, the total amount of dynamic password transmission Cc of voice uplink c can be expressed as Cc=Ccx+Ccy+Ccd+Ccf; the dynamic password transmission success amount Sc of voice uplink c can be expressed as Sc=Scx+Scy+Scd+Scf .

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.

For example, 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. For example, for four dynamic password transmission systems, 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.

For example, for the dynamic password sending data of the above four dynamic password sending systems, 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:

Where m represents the corresponding dynamic password transmission channel, and the values may be a, b, c, α, and β are parameters. Further, the value range of the parameter may be preset, for example, α and β are integers, α may be 0 to 300,000, and β 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. When the sending success rate of the dynamic password sending channel is lower than the preset success rate threshold, step S310 is performed; if not, no processing is performed.

For example, 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.

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.

For example, 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.

For example, when it is detected that the transmission success rate of the short message downlink is less than 20%, and the channel weight is greater than 0.6 and less 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. When 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.

In the foregoing embodiment, after a dynamic password sending channel is provided, 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.

In an embodiment, as shown in FIG. 4, 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.

In an embodiment, for the dynamic password request operation, 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. For example, 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. For example, 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.

In an embodiment, when the determined current dynamic password sending channel is voice uplink, 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.

In the foregoing embodiment, 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. When 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. .

In an embodiment, 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. Further, 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.

In an embodiment, 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. The total amount of dynamic password transmission of the system and the system weight of the corresponding dynamic cryptosystem; calculating the channel weight of each dynamic password transmission channel according to the dynamic password transmission total and system weight of each dynamic cryptosystem. Further, 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.

In an embodiment, after receiving the dynamic password request command sent by the user terminal, 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.

For example, 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. When 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.

In an embodiment, as shown in FIG. 5, a dynamic password sending policy generating apparatus 500 is provided. The apparatus 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.

In an embodiment, 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.

In an embodiment, 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.

In an embodiment, 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.

In an embodiment, as shown in FIG. 6, a dynamic password sending apparatus 600 is provided. The apparatus 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.

In an embodiment, as shown in FIG. 7, 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.

In one embodiment, 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.

In one embodiment, there is provided 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.

In one embodiment, a computer apparatus is provided 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.

In one embodiment, a computer apparatus is provided 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.

In one embodiment, 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. As shown in 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.

Among them, 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.

A person skilled in the art can understand that 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. For example, the server in the figure may also include a display screen or the like.

One of ordinary skill in the art can understand that all or part of the process of implementing the above embodiments can be completed by computer readable instructions, which can be stored in a non-volatile computer. 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.

The technical features of the above-described embodiments may be arbitrarily combined. For the sake of brevity of description, all possible combinations of the technical features in the above embodiments are not described. However, as long as there is no contradiction between the combinations of these technical features, All should be considered as the scope of this manual.

The above-mentioned embodiments are merely illustrative of several embodiments of the present application, and the description thereof is more specific and detailed, but is not to be construed as limiting the scope of the invention. It should be noted that a number of variations and modifications may be made by those skilled in the art without departing from the spirit and scope of the present application. Therefore, the scope of the invention should be determined by the appended claims.

Claims

A method for generating a dynamic password sending policy includes:

Obtaining dynamic password transmission data within 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.
The method according to claim 1, wherein the acquiring the dynamic password sending data in the preset time period comprises:

Obtaining dynamic password sending data of multiple dynamic password systems in each dynamic password sending channel within a preset time period, where the dynamic password sending data includes a dynamic password sending amount of each dynamic password system and a dynamic of the corresponding dynamic password system. The number of successful passwords sent;

The calculating, according to the dynamic password sending data, a sending success rate of each dynamic password sending channel, including:

Calculating the success rate of each dynamic password sending channel according to the dynamic password sending total amount and the dynamic password sending success amount of each dynamic password system; and

The generating a dynamic password sending policy according to the sending success rate and the channel weight of each dynamic password sending channel, including:

Generating a dynamic password sending policy for each dynamic password system according to the sending success rate and the channel weight of each dynamic password sending channel, where the dynamic password sending policy includes sending dynamic dynamics of each dynamic password system under multiple dynamic password sending channels. The percentage of the password sent.
The method according to claim 1, wherein the acquiring the dynamic password sending data in the preset time period comprises:

Obtaining dynamic password sending data of multiple dynamic password systems in each dynamic password sending channel within a preset time period, the dynamic password sending data including a dynamic password sending total amount of each dynamic password system and a corresponding dynamic password system system Weight

Calculating channel rights of each dynamic password sending channel according to the dynamic password sending data Values, including:

Calculating the channel weight of each dynamic password sending channel according to the dynamic password sending total and the system weight of each dynamic password system; and

The generating a dynamic password sending policy according to the sending success rate and the channel weight of each dynamic password sending channel, including:

Generating a dynamic password sending policy for each dynamic password system according to the sending success rate and the channel weight of each dynamic password sending channel, where the dynamic password sending policy includes sending dynamic dynamics of each dynamic password system under multiple dynamic password sending channels. The percentage of the password sent.
The method according to claim 1, wherein the generating a dynamic password sending policy according to the sending success rate and the channel weight of each dynamic password sending channel comprises:

Determining whether a 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 threshold, determining whether the channel weight of the dynamic password sending channel is greater than a preset channel weight threshold;

If yes, the percentage of the dynamic password sent by the dynamic password sending channel is calculated according to a preset allocation ratio, and the percentage of the dynamic password sent by each dynamic password sending channel is generated.
A dynamic password sending method includes:

Receiving a dynamic password request 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; and calculating each dynamic password sending channel according to the dynamic password sending data. a transmission success rate; calculating a channel weight of each dynamic password transmission channel according to the dynamic password transmission data; generating a dynamic password transmission strategy according to a transmission success rate and a channel weight of each dynamic password transmission channel;

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

And sending the current dynamic password to the user terminal by using the current dynamic password sending channel.
The method of claim 5, wherein the receiving user terminal transmits After the dynamic password request command, it also includes:

Acquiring, according to the dynamic password requesting instruction, a channel history record of the user terminal, where the channel history record is a history record of a dynamic password sending channel used by the user terminal to receive a dynamic password; and

Determining, according to the dynamic password sending policy, a current dynamic password sending channel, including:

Determining a current dynamic password transmission channel according to the dynamic password sending policy and the channel history record.
A device for generating a dynamic password sending policy, characterized in that the device comprises:

The dynamic password sending data obtaining module is configured to acquire dynamic password sending data in a preset time period;

a sending success calculation module, configured to calculate a sending success rate of each dynamic password sending channel according to the dynamic password sending data;

a channel weight calculation module, configured to calculate a channel weight of each dynamic password sending channel according to the dynamic password sending data;

The dynamic password sending policy generating module 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.
A dynamic password transmitting apparatus, characterized in that the apparatus comprises:

a dynamic password request instruction receiving module, configured to receive a dynamic password request instruction sent by the user terminal;

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 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;

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;

a current dynamic password generating module, configured to generate a current dynamic password according to the current dynamic password sending channel;

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 transmission data within 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.
The computer device according to claim 9, wherein the step of acquiring, by the processor, the dynamic password transmission data in the preset time period comprises:

Obtaining dynamic password sending data of multiple dynamic password systems in each dynamic password sending channel within a preset time period, where the dynamic password sending data includes a dynamic password sending amount of each dynamic password system and a dynamic of the corresponding dynamic password system. The number of successful passwords sent;

Calculating, by the processor, the sending success rate of each dynamic password sending channel according to the dynamic password sending data, including:

Calculating the success rate of each dynamic password sending channel according to the dynamic password sending total amount and the dynamic password sending success amount of each dynamic password system; and

And the step of generating, by the processor, the dynamic password sending policy according to the sending success rate and the channel weight of each dynamic password sending channel, including:

Generating a dynamic password sending policy for each dynamic password system according to the sending success rate and the channel weight of each dynamic password sending channel, where the dynamic password sending policy includes sending dynamic dynamics of each dynamic password system under multiple dynamic password sending channels. The percentage of the password sent.
A computer device according to claim 9, wherein said processor is executed The steps of obtaining the dynamic password sending data in the preset time period include:

Obtaining dynamic password sending data of multiple dynamic password systems in each dynamic password sending channel within a preset time period, the dynamic password sending data including a dynamic password sending total amount of each dynamic password system and a corresponding dynamic password system system Weight

The step of calculating, by the processor, the channel weight of each dynamic password sending channel according to the dynamic password sending data, including:

Calculating the channel weight of each dynamic password sending channel according to the dynamic password sending total and the system weight of each dynamic password system; and

And the step of generating, by the processor, the dynamic password sending policy according to the sending success rate and the channel weight of each dynamic password sending channel, including:

Generating a dynamic password sending policy for each dynamic password system according to the sending success rate and the channel weight of each dynamic password sending channel, where the dynamic password sending policy includes sending dynamic dynamics of each dynamic password system under multiple dynamic password sending channels. The percentage of the password sent.
The computer device according to claim 9, wherein the step of generating, by the processor, the dynamic password sending policy according to the sending success rate and the channel weight of each dynamic password sending channel comprises:

Determining whether a 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 threshold, determining whether the channel weight of the dynamic password sending channel is greater than a preset channel weight threshold;

If yes, the percentage of the dynamic password sent by the dynamic password sending channel is calculated according to a preset allocation ratio, and the percentage of the dynamic password sent by each dynamic password sending channel is generated.
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 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; The password sending data calculates the sending success rate of each dynamic password sending channel; calculates the channel weight of each dynamic password sending channel according to the dynamic password sending data; according to the sending success rate and channel weight of each dynamic password sending channel , generating a dynamic password sending strategy;

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

And sending the current dynamic password to the user terminal by using the current dynamic password sending channel.
The computer device according to claim 13, wherein after the step of receiving the dynamic password request command sent by the user terminal by the processor, the method further comprises:

Acquiring, according to the dynamic password requesting instruction, a channel history record of the user terminal, where the channel history record is a history record of a dynamic password sending channel used by the user terminal to receive a dynamic password; and

The step of determining, by the processor, the current dynamic password sending channel according to the dynamic password sending policy, including:

Determining a current dynamic password transmission channel according to the dynamic password sending policy and the channel history record.
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 following steps:

Obtaining dynamic password transmission data within 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.
The storage medium according to claim 15, wherein the step of acquiring, by the processor, the dynamic password transmission data in the preset time period comprises:

Get the dynamics of multiple dynamic password systems under each dynamic password sending channel within a preset time period The password sends data, and the dynamic password sending data includes a total amount of dynamic passwords sent by each dynamic password system and a dynamic password sending success amount of the corresponding dynamic password system;

Calculating, by the processor, the sending success rate of each dynamic password sending channel according to the dynamic password sending data, including:

Calculating the success rate of each dynamic password sending channel according to the dynamic password sending total amount and the dynamic password sending success amount of each dynamic password system; and

And the step of generating, by the processor, the dynamic password sending policy according to the sending success rate and the channel weight of each dynamic password sending channel, including:

Generating a dynamic password sending policy for each dynamic password system according to the sending success rate and the channel weight of each dynamic password sending channel, where the dynamic password sending policy includes sending dynamic dynamics of each dynamic password system under multiple dynamic password sending channels. The percentage of the password sent.
The storage medium according to claim 15, wherein the step of acquiring, by the processor, the dynamic password transmission data in the preset time period comprises:

Obtaining dynamic password sending data of multiple dynamic password systems in each dynamic password sending channel within a preset time period, the dynamic password sending data including a dynamic password sending total amount of each dynamic password system and a corresponding dynamic password system system Weight

The step of calculating, by the processor, the channel weight of each dynamic password sending channel according to the dynamic password sending data, including:

Calculating the channel weight of each dynamic password sending channel according to the dynamic password sending total and the system weight of each dynamic password system; and

And the step of generating, by the processor, the dynamic password sending policy according to the sending success rate and the channel weight of each dynamic password sending channel, including:

Generating a dynamic password sending policy for each dynamic password system according to the sending success rate and the channel weight of each dynamic password sending channel, where the dynamic password sending policy includes sending dynamic dynamics of each dynamic password system under multiple dynamic password sending channels. The percentage of the password sent.
The storage medium according to claim 15, wherein the processor performs a dynamic password transmission according to a transmission success rate and a channel weight of each dynamic password transmission channel. The steps of the strategy include:

Determining whether a 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 threshold, determining whether the channel weight of the dynamic password sending channel is greater than a preset channel weight threshold;

If yes, the percentage of the dynamic password sent by the dynamic password sending channel is calculated according to a preset allocation ratio, and the percentage of the dynamic password sent by each dynamic password sending channel is generated.
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 following steps:

Receiving a dynamic password request 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; and calculating each dynamic password sending channel according to the dynamic password sending data. a transmission success rate; calculating a channel weight of each dynamic password transmission channel according to the dynamic password transmission data; generating a dynamic password transmission strategy according to a transmission success rate and a channel weight of each dynamic password transmission channel;

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

And sending the current dynamic password to the user terminal by using the current dynamic password sending channel.
The storage medium according to claim 19, further comprising: after the step of receiving the dynamic password request instruction sent by the user terminal by the processor, further comprising:

Acquiring, according to the dynamic password requesting instruction, a channel history record of the user terminal, where the channel history record is a history record of a dynamic password sending channel used by the user terminal to receive a dynamic password; and

The step of determining, by the processor, the current dynamic password sending channel according to the dynamic password sending policy includes: determining a current dynamic password sending channel according to the dynamic password sending policy and the channel history record.