Risk control verification method and device based on self-description, computing device and storage medium

Abstract

The application discloses a risk control verification method and device based on self-description, a computing device and a storage medium. According to the technical scheme provided by the application, when a risk control trigger condition is met, a verification page is popped up, and the verification page at least contains a page element for enabling a user to input self-description information; self-description information input by the user through the page element is received; meanwhile, environment state change information and user behavior information are recorded; and the self-description information, the environment state change information and the user behavior information are submitted to a verification background according to a user submission operation, so that the verification background performs comparison verification to obtain a verification result. Through the application, comprehensive comparison and judgment can be performed based on the self-description information input by the user and the user behavior information, a user can accurately, quickly and rapidly pass through a risk verification link through multiple clues, the efficiency and accuracy of risk verification are effectively improved, and the use experience of the user is improved.

Description

Technical Field

[0001] This invention relates to the field of risk control technology, and specifically to a risk control verification method, apparatus, computing device, and storage medium based on self-describing. Background Technology

[0002] With the development of internet application technologies, more and more internet products require users to undergo risk authentication. When there are doubts about a user's identity authentication information or when a user's risk control audit information is questionable, internet products typically use the user's private data for verification.

[0003] Current technologies typically employ the collection of trusted user privacy data to perform security verification processes, further verifying the collected privacy data (e.g., collecting user-entered ID number, mobile phone number, and name; the system then verifies the name and ID number by calling the public security authority's identity authentication system, and checks with the telecommunications operator to see if the ID number and name match based on the mobile phone number and verification code). The effectiveness of these methods is undeniable, but users leak large amounts of personal privacy data in order to pass risk control screenings. Once leaked, this could pose numerous risks to users. Furthermore, as the state and individuals increasingly emphasize the ethical implications of personal privacy data, and as regulatory agencies raise their requirements for the protection of citizens' personal data, the risk control verification methods employed in current technologies will gradually be phased out. Summary of the Invention

[0004] In view of the above problems, the present invention is proposed to provide a self-narrative-based risk control verification method, computing device and storage medium that overcomes or at least partially solves the above problems.

[0005] According to the present invention, a risk control verification method based on self-representation is provided, comprising:

[0006] When the risk control triggering conditions are met, a verification page pops up. The verification page contains at least page elements for users to input self-introduction information.

[0007] Receive user-input readout information via the page elements; simultaneously, record environmental status changes and user behavior information;

[0008] Based on the user's submitted actions, the self-described information, the environmental status change information, and the user behavior information are submitted to the verification backend for comparison and verification to obtain the verification result.

[0009] In the above scheme, the recording of environmental state change information and user behavior information further includes:

[0010] The JavaScript functionality is used to record information about changes in the environmental state and user behavior; among which,

[0011] The environmental state change information includes at least: IP addresses of different operation stages and / or page history trajectory information;

[0012] The user behavior information includes at least: the number of characters entered by the user, the actual input time, the mouse movement trajectory, and / or the time spent on the page.

[0013] In the above scheme, the step of submitting the self-description information, the environmental state change information, and the user behavior information to the verification backend based on the user's submitted operation, so that the verification backend can compare and verify them to obtain the verification result, further includes:

[0014] The verification backend collects data from the server.

[0015] The verification backend compares and verifies the data returned by the server with the self-reported information submitted by the user, the environmental status change information, and the user behavior information.

[0016] The verification results will be returned to the page for display.

[0017] In the above scheme, the verification backend compares and verifies the server feedback data with the user-submitted self-reported information, the environmental state change information, and the user behavior information, further including:

[0018] Based on identity or product identifier keywords, the self-described information is matched and verified with the data returned by the server;

[0019] The user behavior information is verified according to the first preset conditions;

[0020] The environmental state change information is verified according to the second preset conditions.

[0021] In the above scheme, after performing data matching and verification between the self-described information and the server feedback data based on identity or product identification keywords, the scheme further includes:

[0022] If the verification result still fails, data will be obtained from the internet public information platform and verified against the self-described information.

[0023] In the above scheme, the first preset condition is that the number of characters entered by the user, the actual input time of the user, the mouse swipe trajectory, and the page dwell time correspond to each other;

[0024] The second preset condition is that the IP addresses and page history information of the different operation stages comply with Internet security rules.

[0025] According to another aspect of the present invention, a risk control verification device based on self-describing is provided, comprising: a pop-up module, a data acquisition module, and a verification module; wherein,

[0026] The pop-up module is used to pop up a verification page when the risk control triggering conditions are met. The verification page includes at least page elements for users to input self-description information.

[0027] The data acquisition module is used to receive self-introduction information input by the user through the page elements; at the same time, it records environmental status change information and user behavior information.

[0028] The verification module is used to submit the self-description information, the environmental state change information, and the user behavior information to the verification backend based on the user's submitted operation, so that the verification backend can compare and verify them to obtain the verification result.

[0029] In the above scheme, the verification module is further configured to: after obtaining the verification result, return the verification result to the page for display.

[0030] According to another aspect of the present invention, a computing device is provided, comprising: a processor, a memory, a communication interface, and a communication bus, wherein the processor, the memory, and the communication interface communicate with each other via the communication bus;

[0031] The memory is used to store at least one executable instruction, which causes the processor to perform operations corresponding to the self-described risk control verification method described above.

[0032] According to another aspect of the present invention, a computer storage medium is provided, wherein at least one executable instruction is stored in the storage medium, the executable instruction causing a processor to perform the operation corresponding to the self-described risk control verification method described above.

[0033] According to the technical solution provided by this invention, when the risk control triggering conditions are met, a verification page pops up. The verification page includes at least page elements for users to input self-reported information; it receives the self-reported information input by the user through the page elements; simultaneously, it records environmental state change information and user behavior information; based on the user's submission, it submits the self-reported information, the environmental state change information, and the user behavior information to the verification backend for comparison and verification to obtain the verification result. This solves the problem in existing technologies of acquiring excessive user personal privacy data, affecting user data security, and increasing the risk of user privacy data leakage. By comprehensively comparing and judging the user's input self-reported information and user behavior information, multiple clues are used to ensure that users can accurately, quickly, and rapidly pass the risk verification process. While reducing the acquisition of user privacy data, the cross-comparison of other information effectively improves the efficiency and accuracy of risk verification and enhances the user experience.

[0034] The above description is merely an overview of the technical solution of the present invention. In order to better understand the technical means of the present invention and to implement it in accordance with the contents of the specification, and to make the above and other objects, features and advantages of the present invention more apparent and understandable, specific embodiments of the present invention are described below. Attached Figure Description

[0035] Various other advantages and benefits will become apparent to those skilled in the art upon reading the following detailed description of preferred embodiments. The accompanying drawings are for illustrative purposes only and are not intended to limit the invention. Furthermore, the same reference numerals denote the same parts throughout the drawings. In the drawings:

[0036] Figure 1 A flowchart illustrating a self-reading-based risk control verification method according to an embodiment of the present invention is shown.

[0037] Figure 2 A schematic diagram of the icon switching process during page switching according to another embodiment of the present invention is shown;

[0038] Figure 3 A structural block diagram of a self-reading-based risk control verification device according to another embodiment of the present invention is shown;

[0039] Figure 4 A schematic diagram of the structure of a computing device according to an embodiment of the present invention is shown. Detailed Implementation

[0040] Exemplary embodiments of the present disclosure will now be described in more detail with reference to the accompanying drawings. While exemplary embodiments of the present disclosure are shown in the drawings, it should be understood that the present disclosure may be implemented in various forms and should not be limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the disclosure to those skilled in the art.

[0041] Figure 1 A flowchart illustrating a self-describing-based risk control verification method according to an embodiment of the present invention is shown, as follows: Figure 1 As shown, the method includes the following steps:

[0042] Step S101: When the risk control triggering condition is met, a verification page pops up. The verification page contains at least page elements for the user to input self-description information.

[0043] Preferably, a pop-up page is set in the App or website page used by the user. When the backend reports that the user's identity information or user behavior information is at risk, a verification page pops up. The page element used to allow the user to input self-description information can be a self-description information input window.

[0044] The self-reported information can be user statements regarding their own behavior or transaction information about the current App or website.

[0045] Preferably, the verification page may also include a page element for selecting the verification type, allowing users to choose traditional personal information verification methods such as mobile phone numbers.

[0046] Step S102: Receive the user's self-reading information input through the page elements; simultaneously, record environmental status change information and user behavior information.

[0047] Specifically, JavaScript functionality is used to record information about changes in the environmental state and user behavior.

[0048] The environmental state change information includes at least: IP addresses of different operation stages and / or page history trajectory information;

[0049] The user behavior information includes at least: the number of characters entered by the user, the actual input time, the mouse movement trajectory, and / or the time spent on the page.

[0050] Specifically, the self-described information, environmental state change information, and user behavior information are all continuously obtained through JS and stored in the page.

[0051] Preferably, the environmental status change information may further include: the user's current network status.

[0052] Step S103: Based on the user's submitted operation, the self-description information, the environmental state change information, and the user behavior information are submitted to the verification backend for comparison and verification to obtain the verification result.

[0053] Specifically, the verification backend collects data from the server; the verification backend compares the server feedback data with the user's submitted self-reported information and user behavior information; and the verification result is returned to the page for display.

[0054] Specifically, the verification backend compares and verifies the server-returned data with the user-submitted self-reported information, the environmental state change information, and the user behavior information, further including:

[0055] Based on identity or product identifier keywords, the self-description information is matched and verified with the data returned by the server; if the verification result still fails, data is obtained from the Internet public platform and verified with the self-description information.

[0056] The user behavior information is verified according to a first preset condition; the environmental state change information is verified according to a second preset condition.

[0057] The first preset condition is that the number of characters entered by the user, the actual input time, the mouse movement trajectory, and the page dwell time correspond to each other; the second preset condition is that the IP address and page history trajectory information of the different operation stages comply with Internet security rules.

[0058] According to the self-report-based risk control verification method provided in this embodiment, when the risk control triggering condition is met, a verification page pops up. The verification page at least includes page elements for users to input self-report information; it receives the self-report information input by the user through the page elements; simultaneously, it records environmental state change information and user behavior information; based on the user's submission operation, it submits the self-report information, the environmental state change information, and the user behavior information to the verification backend for comparison and verification to obtain the verification result. Utilizing the technical solution provided by this invention, risk control verification can be performed by acquiring user-inputted self-report information, environmental state change information, and user behavior information, avoiding the problem of excessive acquisition of user personal privacy information in existing technologies, and greatly reducing the risk of leakage of user personal privacy information; at the same time, by using user-inputted self-report information, environmental state change information, and user behavior information for multi-dimensional verification, it ensures accuracy while greatly improving the speed of risk verification, increasing the efficiency of the risk verification process, and effectively improving the user experience.

[0059] In another embodiment of the invention, Figure 1Based on the method embodiments shown, Figure 2 A schematic diagram of a risk control comparison and verification process according to an embodiment of the present invention is shown, such as... Figure 2 As shown, where:

[0060] Step S201: Verify the data collected from the server in the background.

[0061] Preferably, the server feedback data may include historical order information; after collecting the server feedback data in the verification backend, the server feedback data is stored in the verification backend for subsequent matching verification.

[0062] Step S202: Based on identity or product identification keywords, perform data matching and verification between the self-described information and the data returned by the server.

[0063] Specifically, after the self-description information is submitted to the verification backend, keywords based on identity or product identifiers are extracted from the self-description information; at the same time, historical order information in the server feedback data is collected; the keywords in the self-description information are compared and verified with the keywords in the server feedback data, and the verification result is obtained.

[0064] Preferably, the keywords used for comparison and verification can be pre-planned and determined. In addition to identity information keywords such as ID card and bank card, and product identification keywords such as numerals, quantifiers, and product names, they can also include behavioral keywords such as "once" and "purchase".

[0065] For example, if a user enters in their self-report information, "I previously purchased XX pieces of a coat in XX color and XX style from this website, paying via XX method," the verification backend can extract keywords such as "previously," "purchased," "XX color," "XX style," "XX pieces," "coat," and "payment via XX method" from the self-report information based on pre-planned key metrics. Then, the extracted keywords are matched against keywords in the collected server feedback data to determine if there is a record of the user purchasing the corresponding item. The verification result is determined based on the matching outcome.

[0066] Step S203: Determine whether the verification result of the self-described information and the data returned by the server passes.

[0067] Specifically, if the verification result passes the verification, step S205 is executed; if the verification result fails the verification, step S204 is executed.

[0068] Step S204: Obtain data from the Internet public information platform and verify it with the self-described information.

[0069] Specifically, if the verification result is still questionable after comparing the self-reported information with the data fed back by the server, the data extracted from the self-reported information will be verified through the Internet public disclosure platform to determine whether there is any illegal or irregular behavior.

[0070] Step S205: Verify the user behavior information according to the first preset conditions.

[0071] Specifically, if the self-reported information and the verification result of the server feedback data pass the verification, or are verified by the Internet public platform, then the user behavior information is verified according to the first preset condition;

[0072] The first preset condition is that the number of characters entered by the user, the actual input time of the user, the mouse swipe trajectory, and the page dwell time correspond to each other.

[0073] Preferably, the verification is that the number of characters entered by the user, the actual input time, the mouse movement trajectory, and the page dwell time correspond to each other. For example, if the user enters a large amount of text, but the actual input time is very short, it is determined to be a copy and paste process, and its authenticity is questionable; if the user dwells on the page for a long time, but the user's mouse movement trajectory is very short, it is determined to be a non-real user operation, and its authenticity is questionable.

[0074] Step S206: Verify the environmental state change information according to the second preset conditions.

[0075] Specifically, the second preset condition is that the IP addresses and page history information of the different operation stages comply with Internet security rules.

[0076] Preferably, the IP address and page history information of the different operation stages are verified to comply with Internet security rules. For example, the changes in the user's IP address on the verification page are monitored. If the number of IP address changes is greater than the number of changes in the operation stages, then the behavior is risky. If the user enters a large amount of user identity information on the verification page, but there is no corresponding information in the page history information within the current website application, then the behavior is risky (the current operator may have intercepted the user's identity information and is carrying out fraudulent operations).

[0077] Step S207: Return the verification result to the page for display.

[0078] According to the risk control comparison and verification method provided in this embodiment, server feedback information, user-submitted self-report information, environmental status change information, and user behavior information are collected. These information are then compared and verified separately. Based on user-specific information extracted from the above information, such as keywords in the self-report information or user-inputted text and actual input duration in the environmental status change information, risk control verification is performed. While ensuring verification efficiency, multiple rounds of verification also guarantee accuracy, achieving accurate and efficient risk control verification using user-related non-privacy information.

[0079] Figure 3 A structural block diagram of a self-describing risk control verification device according to an embodiment of the present invention is shown, as follows: Figure 3 As shown, the device includes: a pop-up module 301, a data acquisition module 302, and a verification module 303; wherein,

[0080] The pop-up module 301 is used to pop up a verification page when the risk control triggering conditions are met. The verification page includes at least page elements for users to input self-description information.

[0081] The acquisition module 302 is used to receive self-reading information input by the user through the page elements; at the same time, it records environmental status change information and user behavior information.

[0082] Specifically, the calculation module 302 is further used to: record the environmental state change information using JS functions; wherein the environmental state change information includes at least: IP addresses of different operation stages and / or page history trajectory information; the user behavior information includes at least: the number of characters entered by the user, the actual input duration of the user, the mouse swipe trajectory, and / or the page dwell time.

[0083] The verification module 303 is used to submit the self-described information, the environmental state change information and the user behavior information to the verification backend based on the user's submitted operation, so that the verification backend can compare and verify them to obtain the verification result.

[0084] Specifically, the verification module 303 is further used for: the verification backend collecting server feedback data; and the verification backend comparing and verifying the server feedback data with the user-submitted self-report information, the environmental state change information, and the user behavior information.

[0085] Specifically, the verification module 303 is further configured to: after obtaining the verification result, return the verification result to the page for display.

[0086] The verification module 303 is further configured to: perform data matching verification between the self-reported information and the server feedback data based on identity or product identification keywords; verify the user behavior information according to a first preset condition; and verify the environmental state change information according to a second preset condition.

[0087] After the self-description information is matched and verified with the data returned by the server based on identity or product identification keywords, the verification module 303 is further used to obtain data from the Internet public platform and verify the self-description information if the verification result still fails.

[0088] Specifically, the verification module 303 further includes:

[0089] The first preset condition is that the number of characters entered by the user, the actual input time, the mouse movement trajectory, and the page dwell time correspond to each other; the second preset condition is that the IP address and page history trajectory information of the different operation steps comply with Internet security rules.

[0090] According to the self-report-based risk control verification device provided in this embodiment, when the risk control triggering conditions are met, a verification page pops up. The verification page at least includes page elements for users to input self-report information; it receives the self-report information input by the user through the page elements; simultaneously, it records environmental state change information and user behavior information; based on the user's submission operation, it submits the self-report information, environmental state change information, and user behavior information to the verification backend for comparison and verification to obtain the verification result. Utilizing the technical solution provided by this invention, risk control verification can be performed by acquiring user-inputted self-report information, environmental state change information, and user behavior information, avoiding the problem of excessive acquisition of user personal privacy information in existing technologies, and greatly reducing the risk of leakage of user personal privacy information; at the same time, by using user-inputted self-report information, environmental state change information, and user behavior information for multi-dimensional verification, it ensures accuracy while greatly improving the speed of risk verification, increasing the efficiency of the risk verification process, and effectively improving the user experience.

[0091] The present invention also provides a non-volatile computer storage medium storing at least one executable instruction that can execute the self-described risk control verification method in any of the above method embodiments.

[0092] Figure 4 The diagram illustrates the structure of a computing device according to an embodiment of the present invention. The specific embodiments of the present invention do not limit the specific implementation of the computing device.

[0093] like Figure 4As shown, the computing device may include: a processor 402, a communications interface 404, a memory 406, and a communications bus 408.

[0094] in:

[0095] The processor 402, communication interface 404, and memory 406 communicate with each other via communication bus 408.

[0096] Communication interface 404 is used to communicate with other network elements such as clients or other servers.

[0097] The processor 402 is used to execute program 410, specifically to execute the relevant steps in the above-described risk control verification method embodiment.

[0098] Specifically, program 410 may include program code that includes computer operation instructions.

[0099] Processor 402 may be a central processing unit (CPU), an application-specific integrated circuit (ASIC), or one or more integrated circuits configured to implement embodiments of the present invention. The computing device includes one or more processors, which may be processors of the same type, such as one or more CPUs; or processors of different types, such as one or more CPUs and one or more ASICs.

[0100] Memory 406 is used to store program 410. Memory 406 may include high-speed RAM memory, and may also include non-volatile memory, such as at least one disk storage device.

[0101] Specifically, program 410 can be used to cause processor 402 to execute the readiness-based risk control verification method in any of the above method embodiments. The specific implementation of each step in program 410 can be found in the corresponding descriptions of the steps and units in the above-described readiness-based risk control verification method embodiments, and will not be repeated here. Those skilled in the art will clearly understand that, for the sake of convenience and brevity, the specific working process of the devices and modules described above can be referred to the corresponding process descriptions in the foregoing method embodiments, and will not be repeated here.

[0102] The algorithms and displays provided herein are not inherently related to any particular computer, virtual system, or other device. Various general-purpose systems can also be used in conjunction with the teachings herein. The required structure for constructing such systems is apparent from the above description. Furthermore, this invention is not directed to any particular programming language. It should be understood that the contents of the invention described herein can be implemented using various programming languages, and the above description of specific languages ​​is for the purpose of disclosing the best mode of implementation of the invention.

[0103] Numerous specific details are set forth in the specification provided herein. However, it will be understood that embodiments of the invention may be practiced without these specific details. In some instances, well-known methods, structures, and techniques have not been shown in detail so as not to obscure the understanding of this specification.

[0104] Similarly, it should be understood that, in order to streamline this disclosure and aid in understanding one or more of the various inventive aspects, in the above description of exemplary embodiments of the invention, various features of the invention are sometimes grouped together in a single embodiment, figure, or description thereof. However, this method of disclosure should not be interpreted as reflecting an intention that the claimed invention requires more features than are expressly recited in each claim. Rather, as reflected in the claims, inventive aspects lie in fewer than all features of a single foregoing disclosed embodiment. Therefore, the claims following the detailed description are hereby expressly incorporated into that detailed description, wherein each claim itself is a separate embodiment of the invention.

[0105] Those skilled in the art will understand that modules in the device of the embodiments can be adaptively changed and placed in one or more devices different from that embodiment. Modules, units, or components in the embodiments can be combined into a single module, unit, or component, and further, they can be divided into multiple sub-modules, sub-units, or sub-components. Except where at least some of such features and / or processes or units are mutually exclusive, any combination can be used to combine all features disclosed in this specification (including the accompanying claims, abstract, and drawings) and all processes or units of any method or device so disclosed. Unless expressly stated otherwise, each feature disclosed in this specification (including the accompanying claims, abstract, and drawings) may be replaced by an alternative feature that serves the same, equivalent, or similar purpose.

[0106] Furthermore, those skilled in the art will understand that although some embodiments described herein include certain features but not others included in other embodiments, combinations of features from different embodiments are intended to be within the scope of the invention and form different embodiments. For example, in the claims, any of the claimed embodiments can be used in any combination.

[0107] The various component embodiments of the present invention can be implemented in hardware, or as software modules running on one or more processors, or a combination thereof. Those skilled in the art will understand that microprocessors or digital signal processors (DSPs) can be used in practice to implement some or all of the functions of some or all of the components according to the embodiments of the present invention. The present invention can also be implemented as a device or apparatus program (e.g., a computer program and computer program product) for performing part or all of the methods described herein. Such programs implementing the present invention can be stored on a computer-readable medium, or can be in the form of one or more signals. Such signals can be downloaded from an Internet website, provided on a carrier signal, or provided in any other form.

[0108] It should be noted that the above embodiments are illustrative of the invention and not restrictive, and that those skilled in the art can devise alternative embodiments without departing from the scope of the appended claims. In the claims, any reference signs placed between parentheses should not be construed as limiting the claims. The word "comprising" does not exclude the presence of elements or steps not listed in the claims. The word "a" or "an" preceding an element does not exclude the presence of a plurality of such elements. The invention can be implemented by means of hardware comprising several different elements and by means of a suitably programmed computer. In the unit claims enumerating several means, several of these means may be embodied by the same item of hardware. The use of the words first, second, and third, etc., does not indicate any order. These words can be interpreted as names.

Claims

1. A risk control verification method based on self-report, comprising: When the risk control triggering conditions are met, a verification page pops up. The verification page contains at least page elements for users to input self-introduction information. Receive user-input readout information via the page elements; simultaneously, record environmental status changes and user behavior information; Based on identity or product identifier keywords, the self-described information is matched and verified with the data returned by the server; The user behavior information is verified according to the first preset conditions; The environmental state change information is verified according to the second preset conditions; The verification results are returned to the page for display; wherein, the first preset condition is that the number of characters entered by the user, the actual input time of the user, the mouse movement trajectory, and the page dwell time correspond to each other; the second preset condition is that the IP address and page history trajectory information of different operation stages comply with Internet security rules.

2. The method according to claim 1, wherein, The recording of environmental state change information and user behavior information further includes: The JavaScript functionality is used to record information about changes in the environmental state and user behavior; among which, The environmental state change information includes at least: IP addresses of different operation stages and / or page history trajectory information; The user behavior information includes at least: the number of characters entered by the user, the actual input time, the mouse movement trajectory, and / or the time spent on the page.

3. The method according to claim 1, wherein, After verifying the self-described information against the server-returned data based on identity or product identifier keywords, the process further includes: If the verification result still fails, data will be obtained from the internet public information platform and verified against the self-described information.

4. A risk control verification device based on self-reporting, comprising: The module includes a pop-up window module, a data collection module, and a verification module; among them, The pop-up module is used to pop up a verification page when the risk control triggering conditions are met. The verification page includes at least page elements for users to input self-description information. The data acquisition module is used to receive self-introduction information input by the user through the page elements; at the same time, it records environmental status change information and user behavior information. The verification module is used to perform data matching verification between the self-reported information and the data returned by the server based on identity or product identification keywords; to verify the user behavior information according to a first preset condition; to verify the environmental state change information according to a second preset condition; and to return the verification result to the page for display. The first preset condition is that the number of characters entered by the user, the actual input time, the mouse movement trajectory, and the page dwell time correspond to each other; the second preset condition is that the IP address and page history trajectory information of different operation stages comply with internet security rules.

5. The apparatus according to claim 4, wherein, The verification module is also used to: after obtaining the verification result, return the verification result to the page for display.

6. A computing device, comprising: The processor, memory, communication interface, and communication bus are provided, wherein the processor, memory, and communication interface communicate with each other via the communication bus. The memory is used to store at least one executable instruction, which causes the processor to perform the operation corresponding to the self-described risk control verification method as described in any one of claims 1-3.

7. A computer storage medium storing at least one executable instruction that causes a processor to perform an operation corresponding to the self-described risk control verification method as described in any one of claims 1-3.

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