Information Processing Method and Apparatus, Electronic Device, and Computer-Readable Storage Medium

Abstract

The present disclosure provides an information processing method and apparatus, an electronic device, and a computer-readable storage medium, which can be applied to the fields of information processing and finance. The information processing method includes: in response to receiving registration requests from multiple users, determining risk level information of each of the multiple users according to the registration requests, where the registration requests include identity identification information and user basic information of each of the multiple users; processing the user basic information and risk level information of each of the multiple users to obtain transaction limit information of each of the multiple users, where the transaction limit information corresponds to the identity identification information; and in response to receiving a transaction request from a target user among the multiple users, determining target transaction limit information of the target user according to the transaction request.

Description

Technical Field

[0001] The present disclosure relates to the fields of information processing and finance, and more particularly, to an information processing method and apparatus, an electronic device, a computer-readable storage medium, and a computer program product. Background Art

[0002] With the development of computer technology and information processing technology, various financial payment transaction channels adapted to different customer needs have emerged. Risk control is an important part of financial payment transactions, and limit control is the most important means of managing the payment risks of financial transactions.

[0003] In the process of implementing the concept of the present disclosure, the inventors found that there are at least the following problems in the related art: currently, the flexibility of limit control is relatively low and cannot meet the actual needs of different users. Summary of the Invention

[0004] In view of this, the present disclosure provides an information processing method and apparatus, an electronic device, a computer-readable storage medium, and a computer program product.

[0005] According to one aspect of the present disclosure, there is provided an information processing method, including:

[0006] In response to receiving registration requests from a plurality of users, determining risk level information of each of the plurality of users according to the registration requests, where the registration requests include identity identification information and user basic information of each of the plurality of users;

[0007] Processing the user basic information and the risk level information of each of the plurality of users to obtain transaction limit information of each of the plurality of users, where the transaction limit information corresponds to the identity identification information; and

[0008] In response to receiving a transaction request from a target user among the plurality of users, determining target transaction limit information of the target user according to the transaction request.

[0009] According to an embodiment of the present disclosure, the registration request further includes registration information of the user.

[0010] According to an embodiment of the present disclosure, determining the risk level information of each of the plurality of users according to the registration requests includes:

[0011] Determining evaluation values of each of the plurality of users according to a preset evaluation criterion and the registration information; and

[0012] Determining the risk level information of each of the plurality of users according to the evaluation values, where the risk level information corresponds to the identity identification information.

[0013] According to an embodiment of the present disclosure, the above registration information includes dimension information of the account opening link and dimension information of the transaction link of the above user.

[0014] According to an embodiment of the present disclosure, determining the respective evaluation values of the above multiple users according to the preset scoring criteria and the above registration information includes:

[0015] When the dimension information of the account opening link meets the first preset evaluation criteria, determining a first evaluation value;

[0016] When the dimension information of the transaction link meets the second preset evaluation criteria, determining a second evaluation value; and

[0017] Determining the above evaluation value according to the above first evaluation value and the above second evaluation value.

[0018] According to an embodiment of the present disclosure, determining the respective risk level information of the above multiple users according to the above evaluation value includes:

[0019] When the above evaluation value is greater than the first threshold, determining the above risk level information of the above user as the first risk level;

[0020] When the above evaluation value is between the above first threshold and the second threshold, determining the above risk level information of the above user as the second risk level; and

[0021] When the above evaluation value is less than the above second threshold, determining the above risk level information of the above user as the third risk level.

[0022] According to an embodiment of the present disclosure, the above user basic information includes the natural information, asset information, account information, and historical transaction information of the above user.

[0023] According to an embodiment of the present disclosure, processing the above user basic information and the above risk level information of the above multiple users respectively to obtain the respective transaction quota information of the above multiple users includes:

[0024] Processing the above user basic information and the above risk level information of the above multiple users respectively by using a preset model to obtain a processing result, wherein the above preset model includes a machine learning model; and

[0025] Determining the above transaction quota information corresponding to the identity identification information of the above multiple users according to the above processing result.

[0026] According to an embodiment of the present disclosure, the above information processing method further includes:

[0027] In the case where the above processing result indicates that the above user is a risk user, determine the risk identity identification information of the above risk user.

[0028] According to an embodiment of the present disclosure, the above transaction request includes the target identity identification information and transaction information of the above target user, and the above transaction information includes the transaction channel information, transaction type information, transaction amount information, user level information, and user preference information of the above target user.

[0029] According to an embodiment of the present disclosure, the determining the target transaction amount information of the above target user according to the above transaction request includes:

[0030] Determine the candidate transaction amount information of the above target user according to the above target identity identification information; and

[0031] Determine the above target transaction amount information according to the above transaction channel information, transaction type information, user level information, and user preference information.

[0032] According to an embodiment of the present disclosure, the above information processing method further includes:

[0033] In the case where the relationship between the above transaction amount information and the above target transaction amount information meets a preset condition, determine the authentication medium information according to the above target transaction amount information; and

[0034] In the case where the relationship between the above transaction amount information and the above target transaction amount information does not meet a preset condition, determine the risk prompt information.

[0035] According to another aspect of the present disclosure, there is provided an information processing apparatus, including:

[0036] A first determination module, configured to, in response to receiving registration requests from multiple users, determine the risk level information of each of the above multiple users according to the above registration requests, where the above registration requests include the identity identification information and user basic information of each of the above multiple users;

[0037] A processing module, configured to process the above user basic information and the above risk level information of each of the above multiple users to obtain the transaction amount information of each of the above multiple users, where the above transaction amount information corresponds to the above identity identification information; and

[0038] A second determination module, configured to, in response to receiving a transaction request from a target user among the above multiple users, determine the target transaction amount information of the above target user according to the above transaction request.

[0039] According to another aspect of the present disclosure, there is provided an electronic device, including:

[0040] One or more processors;

[0041] A memory for storing one or more instructions,

[0042] wherein, when the one or more instructions are executed by the one or more processors, the one or more processors are caused to implement the method as described above.

[0043] According to another aspect of the present disclosure, there is provided a computer-readable storage medium having executable instructions stored thereon, and when the executable instructions are executed by a processor, the processor is caused to implement the method as described above.

[0044] According to another aspect of the present disclosure, there is provided a computer program product, the computer program product including computer-executable instructions that are used to implement the method as described above when executed.

[0045] According to an embodiment of the present disclosure, by determining the risk level information of each of a plurality of users according to a registration request, then processing the user basic information and risk level information of each of the plurality of users to obtain the transaction quota information of each of the plurality of users, and then determining the target transaction quota information of a target user among the plurality of users according to the transaction request of the target user. By the above technical means, at least partially overcome the technical problem that the flexibility of quota control in the related art is relatively low and cannot meet the actual needs of different users. By establishing a transaction quota control mechanism with the user as the dimension, the efficiency of quota control can be improved, and the pertinence, flexibility and accuracy of quota control can be improved. BRIEF DESCRIPTION OF THE DRAWINGS

[0046] Through the following description of the embodiments of the present disclosure with reference to the drawings, the above and other objects, features and advantages of the present disclosure will become clearer. In the drawings:

[0047] Figure 1 Schematically shows a system architecture to which the information processing method according to an embodiment of the present disclosure can be applied;

[0048] Figure 2 Schematically shows a flowchart of the information processing method according to an embodiment of the present disclosure;

[0049] Figure 3 Schematically shows a flowchart of a method for determining risk level information according to an embodiment of the present disclosure;

[0050] Figure 4 Schematically shows a flowchart of a method for determining transaction quota information according to an embodiment of the present disclosure;

[0051] Figure 5 Schematically shows a flowchart of a method for determining target transaction quota information according to an embodiment of the present disclosure;

[0052] Figure 6 Schematically shows an example schematic diagram of an information processing method according to an embodiment of the present disclosure;

[0053] Figure 7 Schematically shows a block diagram of an information processing apparatus according to an embodiment of the present disclosure; and

[0054] Figure 8 Schematically shows a block diagram of an electronic device suitable for implementing the information processing method according to an embodiment of the present disclosure. Detailed implementation manners

[0055] Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. However, it should be understood that these descriptions are merely exemplary and are not intended to limit the scope of the present disclosure. In the following detailed description, for the sake of explanation, numerous specific details are set forth in order to provide a thorough understanding of the embodiments of the present disclosure. However, it is obvious that one or more embodiments can be implemented without these specific details. In addition, in the following description, descriptions of well-known structures and technologies are omitted to avoid unnecessarily obscuring the concepts of the present disclosure.

[0056] The terms used herein are merely for describing specific embodiments and are not intended to limit the present disclosure. The terms "including", "comprising", etc. used herein indicate the presence of the described features, steps, operations, and / or components, but do not exclude the presence or addition of one or more other features, steps, operations, or components.

[0057] All terms used herein (including technical and scientific terms) have the meanings commonly understood by those skilled in the art, unless otherwise defined. It should be noted that the terms used herein should be interpreted as having a meaning consistent with the context of this specification and should not be interpreted in an idealized or overly rigid manner.

[0058] In the case of using expressions such as "at least one of A, B, and C, etc.", generally, it should be interpreted according to the meaning commonly understood by those skilled in the art (for example, "a system having at least one of A, B, and C" should include, but is not limited to, a system having only A, only B, only C, having A and B, having A and C, having B and C, and / or having A, B, and C, etc.). In the case of using expressions such as "at least one of A, B, or C, etc.", generally, it should be interpreted according to the meaning commonly understood by those skilled in the art (for example, "a system having at least one of A, B, or C" should include, but is not limited to, a system having only A, only B, only C, having A and B, having A and C, having B and C, and / or having A, B, and C, etc.).

[0059] In the technical solutions of the present disclosure, the acquisition, storage, and application of user personal information involved all comply with the provisions of relevant laws and regulations, adopt necessary confidentiality measures, and do not violate public order and good customs.

[0060] In the technical solutions of the present disclosure, before obtaining or collecting user personal information, the authorization or consent of the user is obtained.

[0061] With the development of computer technology and data processing technology, various financial payment transaction channels adapted to different customer needs have emerged. Risk control is an important part of financial payment transactions, and limit control is the most important means of managing financial transaction payment risks.

[0062] Since the limits of online financial payment transaction channels are mainly controlled by factors such as the customer's account opening location, registration location, registration method, security authentication method, transaction type, etc., and at the same time, transaction scenarios, financial market environments, policy regulations, etc. also change frequently, the requirements for limit control will also change accordingly.

[0063] In the process of implementing the concept of the present disclosure, the inventors found that there are at least the following problems in the related technologies: At present, the flexibility of limit control is relatively low and cannot meet the actual needs of different users.

[0064] To at least partially solve the technical problems existing in the related technologies, the present disclosure provides an information processing method and device, an electronic device, and a computer-readable storage medium, which can be applied to the fields of information processing and finance. The information processing method includes: in response to receiving registration requests from multiple users, determining the risk level information of each of the multiple users according to the registration requests, where the registration requests include the identity identification information and user basic information of each of the multiple users; processing the user basic information and risk level information of each of the multiple users to obtain the transaction amount information of each of the multiple users, where the transaction amount information corresponds to the identity identification information; and in response to receiving a transaction request from a target user among the multiple users, determining the target transaction amount information of the target user according to the transaction request.

[0065] It should be noted that the information processing method and device provided in the embodiments of the present disclosure can be used in the fields of information processing and finance, for example, applied to determining user transaction limits. The information processing method and device provided in the embodiments of the present disclosure can also be used in any field other than the fields of information processing and finance, for example, applied to risk control. The application fields of the information processing method and device provided in the embodiments of the present disclosure are not limited.

[0066] Figure 1 Schematically shows a system architecture to which the information processing method according to an embodiment of the present disclosure can be applied. It should be noted that Figure 1The figure shown is only an example of the system architecture to which the embodiments of the present disclosure can be applied, to help those skilled in the art understand the technical content of the present disclosure, but it does not mean that the embodiments of the present disclosure cannot be used in other devices, systems, environments or scenarios.

[0067] As Figure 1 shown, the system architecture 100 according to this embodiment may include terminal devices 101, 102, 103, a network 104, and a server 105. The network 104 is used to provide a medium for communication links between the terminal devices 101, 102, 103 and the server 105. The network 104 may include various connection types, such as wired and / or wireless communication links, and so on.

[0068] Users can use the terminal devices 101, 102, 103 to interact with the server 105 through the network 104 to receive or send messages, etc. Various communication client applications may be installed on the terminal devices 101, 102, 103, such as shopping applications, web browser applications, search applications, instant messaging tools, email clients, and / or social platform software, etc. (only examples).

[0069] The terminal devices 101, 102, 103 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop portable computers, and desktop computers, and so on.

[0070] The server 105 may be a server providing various services, such as a background management server that supports the websites browsed by users using the terminal devices 101, 102, 103 (only an example). The background management server may analyze and process data such as received user requests, and feedback the processing results (such as web pages, information, or data obtained or generated according to user requests) to the terminal devices.

[0071] It should be noted that the information processing method provided by the embodiments of the present disclosure can generally be executed by the server 105. Correspondingly, the information processing device provided by the embodiments of the present disclosure can generally be set in the server 105. The information processing method provided by the embodiments of the present disclosure can also be executed by a server or a server cluster different from the server 105 and capable of communicating with the terminal devices 101, 102, 103, and / or the server 105. Correspondingly, the information processing device provided by the embodiments of the present disclosure can also be set in a server or a server cluster different from the server 105 and capable of communicating with the terminal devices 101, 102, 103, and / or the server 105. Alternatively, the information processing method provided by the embodiments of the present disclosure can also be executed by the terminal devices 101, 102, or 103, or can also be executed by other terminal devices different from the terminal devices 101, 102, or 103. Correspondingly, the information processing device provided by the embodiments of the present disclosure can also be set in the terminal devices 101, 102, or 103, or set in other terminal devices different from the terminal devices 101, 102, or 103.

[0072] For example, the identity identification information and the user basic information can originally be stored in any one of the terminal devices 101, 102, or 103 (for example, the terminal device 101, but not limited thereto), or stored on an external storage device and can be imported into the terminal device 101. Then, the terminal device 101 can execute the information processing method provided by the embodiments of the present disclosure locally, or send the identity identification information and the user basic information to other terminal devices, servers, or server clusters, and the other terminal devices, servers, or server clusters that receive the identity identification information and the user basic information execute the information processing method provided by the embodiments of the present disclosure.

[0073] It should be understood that Figure 1 the numbers of the terminal devices, the network, and the servers in

[0074] Figure 2 FIG. schematically shows a flowchart of an information processing method according to an embodiment of the present disclosure.

[0075] As Figure 2 shown, the information processing method may include operations S210 to S230.

[0076] In operation S210, in response to receiving registration requests from multiple users, according to the registration requests, determine the risk level information of each of the multiple users. The registration requests include the identity identification information and the user basic information of each of the multiple users.

[0077] In operation S220, the user base information and risk level information of each of multiple users are processed to obtain the transaction quota information of each of the multiple users. The transaction quota information corresponds to the identity identification information.

[0078] In operation S230, in response to receiving a transaction request from a target user among the multiple users, the target transaction quota information of the target user is determined according to the transaction request.

[0079] According to an embodiment of the present disclosure, the registration request may be a request message sent by a user to the server through a client. The registration request may include the identity identification information and user base information of the user, but is not limited thereto. The registration request may also include the registration information of the user.

[0080] According to an embodiment of the present disclosure, the identity identification information corresponds to the user one by one and can be used to represent the identity of the user. The identity identification information may include, for example, a user ID (Identity Document), but is not limited thereto. The identity identification information may also include a bar code, a magnetic stripe, an IC chip, etc., as long as it can identify the identity of the user.

[0081] According to an embodiment of the present disclosure, the risk level information corresponds to the identity identification information one by one and can be used to represent the risk level and trustworthiness of the user corresponding to the identity identification information. The transaction quota information corresponds to the identity identification information and can be used to represent the transaction amount limit of the user corresponding to the identity identification information.

[0082] According to an embodiment of the present disclosure, the transaction request may be a request message sent by a target user among the multiple users to the server through a client. The transaction request may include the target identity identification information of the target user. The target transaction quota information may be determined from the transaction quota information through the target identity identification information.

[0083] According to an embodiment of the present disclosure, the risk level information and the transaction quota information may be determined by integrating different data sources provided by the banking system through big data technology in combination with the existing risk assessment resources of the banking system and the historical transaction data of the banking system.

[0084] According to an embodiment of the present disclosure, by determining the risk level information of each of multiple users according to a registration request, and then processing the user basic information and risk level information of each of the multiple users to obtain the transaction quota information of each of the multiple users, and then determining the target transaction quota information of a target user according to the transaction request of the target user among the multiple users. Through the above technical means, at least partially overcome the technical problem that the flexibility of quota control in the related art is low and cannot meet the actual needs of different users. By establishing a transaction quota control mechanism with the user as the dimension, the efficiency of quota control can be improved, and the pertinence, flexibility and accuracy of quota control can be improved.

[0085] The following refers to Figures 3 to 6 and further illustrates the method shown in Figure 2 in combination with specific embodiments.

[0086] Figure 3 Schematically shows a flowchart of a method for determining risk level information according to an embodiment of the present disclosure.

[0087] As Figure 3 shown, operation S210 may include operations S311 to S312.

[0088] In operation S311, according to a preset evaluation criterion and registration information, determine the evaluation value of each of the multiple users.

[0089] In operation S312, according to the evaluation value, determine the risk level information of each of the multiple users. The risk level information corresponds to the identity identification information.

[0090] According to an embodiment of the present disclosure, the registration information may include the dimension information of the account opening link and the dimension information of the transaction link of the user. The preset evaluation criterion may include a first preset evaluation criterion for the dimension of the account opening link and a second preset evaluation criterion for the dimension of the transaction link.

[0091] According to an embodiment of the present disclosure, operation S311 may include the following operations.

[0092] In the case where the dimension information of the account opening link meets the first preset evaluation criterion, determine the first evaluation value. In the case where the dimension information of the transaction link meets the second preset evaluation criterion, determine the second evaluation value. According to the first evaluation value and the second evaluation value, determine the evaluation value.

[0093] According to an embodiment of the present disclosure, the first preset evaluation criterion for the dimension of the account opening link may include the verification of the user's account opening willingness and the identification of the user's identity.

[0094] For example, when the user's account opening intention is genuine, the account opening purpose is clear, and the account opening reason is reasonable, the evaluation value of the account opening intention verification situation can be determined. When the identity document is genuine and valid, the account opening applicant is consistent with the identity information, and the reserved mobile phone number is real-name registered, the evaluation value of the identity verification situation can be determined. The first evaluation value can be determined based on the evaluation value of the account opening intention verification situation and the evaluation value of the identity verification situation.

[0095] According to an embodiment of the present disclosure, the second preset evaluation criterion for the transaction link dimension may include the verification of the user's non-counter business.

[0096] For example, when the user opens the non-counter payment function of the bank settlement account through a non-face-to-face method, the first non-counter business evaluation value can be determined. When an individual of the bank applies to open the non-counter payment function only with a valid identity document, the second non-counter business evaluation value can be determined. When an individual user can also provide one of the auxiliary identity proof materials such as a household register, a residence permit, a social security card, a social security payment certificate, a water, electricity, and gas payment certificate, or a real-name mobile phone number and has been online for one year in addition to providing a valid identity document, the third non-counter business evaluation value can be determined. When an individual user can also provide one of the supporting documents such as an income certificate, an asset certificate, and a bank settlement account transaction statement in addition to providing a valid identity document and auxiliary identity proof materials, the fourth non-counter business evaluation value can be determined. The second evaluation value can be determined based on the first non-counter business evaluation value, the second non-counter business evaluation value, the third non-counter business evaluation value, and the fourth non-counter business evaluation value.

[0097] According to an embodiment of the present disclosure, the evaluation value can be determined based on the first evaluation value and the second evaluation value. For example, the evaluation value can be determined by summing the first evaluation value and the second evaluation value.

[0098] According to an embodiment of the present disclosure, operation S312 may include the following operations.

[0099] When the evaluation value is greater than the first threshold, it is determined that the risk level information of the user is the first risk level. When the evaluation value is between the first threshold and the second threshold, it is determined that the risk level information of the user is the second risk level. When the evaluation value is less than the second threshold, it is determined that the risk level information of the user is the third risk level.

[0100] According to an embodiment of the present disclosure, the risk level information of the user can be determined based on the relationship between the evaluation value, the first threshold, and the second threshold. The risk level information corresponds to the identity identification information.

[0101] According to an embodiment of the present disclosure, the first threshold and the second threshold can be flexibly set by those skilled in the art according to the actual application situation. The embodiments of the present disclosure do not limit the first threshold and the second threshold, as long as it can be ensured that the first threshold is greater than the second threshold.

[0102] According to an embodiment of the present disclosure, the specific form of the risk level information can be flexibly set by those skilled in the art according to the actual application situation. The embodiments of the present disclosure do not limit the specific form of the risk level information. For example, the risk level information may include high level, medium level, and low level, but is not limited thereto. The risk level information may also include level A, level B, and level C, etc.

[0103] For example, the first threshold can be set to 40 and the second threshold to 25. When the evaluation value is greater than 40, it can be determined that the risk level information of the user is low level. When the evaluation value is between 40 and 25, it can be determined that the risk level information of the user is medium level. When the evaluation value is less than 25, it can be determined that the risk level information of the user is high level.

[0104] According to an embodiment of the present disclosure, for the situation where a user opens an electronic bank, the customer can be scored and rated to determine the risk level information of the user. The higher the evaluation value of the user, the lower the risk level information determined according to the evaluation value, indicating that the possibility of the user having a risk is lower and the degree of trustworthiness is higher.

[0105] According to an embodiment of the present disclosure, by determining the respective evaluation values of multiple users according to a preset evaluation criterion and registration information, and determining the respective risk level information of the multiple users according to the evaluation values. Through the above technical means, it is possible to determine the respective risk level information of multiple users in terms of users, so as to establish a transaction amount control mechanism in terms of users, thereby improving the pertinence and accuracy of quota control.

[0106] Figure 4 Schematically shows a flowchart of a method for determining transaction amount information according to an embodiment of the present disclosure.

[0107] As Figure 4 shown, operation S220 may include operations S421 to S422.

[0108] In operation S421, a preset model is used to process the respective user basic information and risk level information of multiple users to obtain a processing result. The preset model includes a machine learning model.

[0109] In operation S422, according to the processing result, the transaction amount information corresponding to the respective identity identification information of multiple users is determined.

[0110] According to embodiments of the present disclosure, the respective user basic information of multiple users can be extracted from each transaction subsystem at the end of each day. The transaction subsystems may include an enterprise-level user information system, a user credit management system, a deposit system, a loan system, a historical transaction details system, and the like.

[0111] According to embodiments of the present disclosure, the extracted user basic information and risk level information can be stored in a data lake, and the data lake can be used for data storage and analysis.

[0112] According to embodiments of the present disclosure, a data lake is a type of system that stores data in its original format, usually object blocks or files. A data lake can be used to store structured data, semi-structured data, unstructured data, and binary data, etc. from relational databases.

[0113] According to embodiments of the present disclosure, the user basic information may include the user's natural information, asset information, account information, and historical transaction information. The user's natural information may include gender, age, marital status, education level, work industry, etc. The asset information may include the user's asset situation. The historical transaction information may include transaction type, amount, transaction location, counterparty information, etc.

[0114] According to embodiments of the present disclosure, a model can be established in the data lake to analyze the user basic information and risk level information regularly, give appropriate transaction limit information for each user, and can be imported into the transaction subsystem.

[0115] According to embodiments of the present disclosure, the model may include a deep learning model or an expert rule model. The expert rule model may be a machine learning model structure obtained by manually coding business experience. The expert rule model may include a single decision tree or a random forest.

[0116] According to embodiments of the present disclosure, the expert rule model can be used to process the user basic information and risk level information to obtain a processing result. The processing result can be used to characterize whether the user is a risk user.

[0117] According to embodiments of the present disclosure, compared with a data warehouse, by taking advantage of the characteristic of a data lake for storing unstructured data, the cost of information integration and analysis can be reduced according to the development needs of the market and business.

[0118] According to embodiments of the present disclosure, the information processing method may further include the following operations.

[0119] In the case where the processing result characterizes that the user is a risk user, determine the risk identity identification information of the risk user.

[0120] According to an embodiment of the present disclosure, in the case where the processing result indicates that the user is a risk user, the risk user can be labeled. For example, it can be labeled as "high-risk money laundering customer", "high-risk gambling and fraud customer", "other high-risk customers", etc., and imported into the risk fraud subsystem.

[0121] According to an embodiment of the present disclosure, in the case where the processing result indicates that the user is not a risk user, the transaction amount information of the user can be determined according to the processing result.

[0122] According to an embodiment of the present disclosure, by using a preset model to process the user basic information and risk level information of multiple users respectively, a processing result is obtained, and according to the processing result, the transaction amount information corresponding to the identity identification information of multiple users is determined. Through the above technical means, the transaction amount information can be automatically determined by using the preset model, thereby improving the efficiency and accuracy of limit control.

[0123] Figure 5 A flowchart of a method for determining target transaction amount information according to an embodiment of the present disclosure is schematically shown.

[0124] As Figure 5 shown, operation S230 may include operations S531 to S532.

[0125] In operation S531, according to the target identity identification information, the candidate transaction amount information of the target user is determined.

[0126] In operation S532, according to the transaction channel information, transaction type information, user level information, and user preference information, the target transaction amount information is determined.

[0127] According to an embodiment of the present disclosure, the transaction request may include the target identity identification information and transaction information of the target user, and the transaction information may include the transaction channel information, transaction type information, transaction amount information, user level information, and user preference information of the target user.

[0128] According to an embodiment of the present disclosure, the transaction channel information may include online banking or mobile phone. The transaction type information may include transfer, consumption, or payment. The user level information may include ordinary or member. The user preference information may include conservative, neutral, or radical, etc.

[0129] According to an embodiment of the present disclosure, in the case where the target user conducts a transaction using the bank system of the client, the client may submit the target identity identification information and transaction information of the target user, the candidate transaction amount information may be determined according to the target identity identification information, and the target transaction amount information may be determined according to the transaction information.

[0130] According to an embodiment of the present disclosure, the information processing method may further include the following operations.

[0131] When the relationship between the transaction amount information and the target transaction amount information meets the preset conditions, the authentication medium information is determined according to the target transaction amount information. When the relationship between the transaction amount information and the target transaction amount information does not meet the preset conditions, the risk prompt information is determined.

[0132] According to an embodiment of the present disclosure, when a user conducts transactions such as online remittance, quick payment, and code scanning payment, verification can be performed in advance, and when the relationship between the transaction amount information and the target transaction amount information meets the preset conditions, the authentication medium information recommended for the user to use can be returned.

[0133] According to an embodiment of the present disclosure, when the relationship between the transaction amount information and the target transaction amount information does not meet the preset conditions, the transaction requests of users or risk customers exceeding the target transaction amount information can be rejected, and corresponding risk prompt messages and solutions can be prompted to the customers. For example, it can be prompted that "the system recognizes that there are relatively large risks in your transaction. If you have any questions, please call for consultation / go to the network point for consultation / click the icon to apply for customer service assistance", etc.

[0134] According to an embodiment of the present disclosure, by determining the candidate transaction amount information of the target user according to the target identity identification information of the target user, and determining the target transaction amount information according to the transaction channel information, transaction type information, user level information, and user preference information. Through the above technical means, transaction amount control can be more conveniently and quickly realized based on the user dimension, thereby improving the efficiency of quota control.

[0135] Figure 6 A schematic diagram showing an example of the information processing method according to an embodiment of the present disclosure is schematically shown.

[0136] As Figure 6 shown, in response to receiving registration requests 601 from multiple users, the registration requests 601 may include identity identification information 6011, registration information 6012, and user basic information 6013. The respective evaluation values 603 of the multiple users can be determined according to the preset evaluation criteria 602 and the registration information 6012. The respective risk level information 604 of the multiple users can be determined according to the evaluation values 603. The preset model 605 can be used to process the user basic information 6013 and risk level information 604 of the multiple users respectively to obtain a processing result 606. The transaction amount information 607 corresponding to the identity identification information of the multiple users can be determined according to the processing result 606. So that subsequently, the target transaction amount information can be determined according to the target identity identification information of the target user among the multiple users.

[0137] Figure 7A block diagram of an information processing apparatus according to an embodiment of the present disclosure is schematically shown.

[0138] As Figure 7 shown, the information processing apparatus 700 may include a first determination module 701, a processing module 702, and a second determination module 703.

[0139] The first determination module 701 is configured to, in response to receiving registration requests from multiple users, determine risk level information of each of the multiple users according to the registration requests. The registration requests include identity identification information and user basic information of each of the multiple users.

[0140] The processing module 702 is configured to process the user basic information and risk level information of each of the multiple users to obtain transaction quota information of each of the multiple users. The transaction quota information corresponds to the identity identification information.

[0141] The second determination module 703 is configured to, in response to receiving a transaction request from a target user among the multiple users, determine target transaction quota information of the target user according to the transaction request.

[0142] According to an embodiment of the present disclosure, the registration requests may further include registration information of the users.

[0143] According to an embodiment of the present disclosure, the first determination module 701 may include a first determination unit and a second determination unit.

[0144] The first determination unit is configured to determine evaluation values of each of the multiple users according to a preset evaluation criterion and the registration information.

[0145] The second determination unit is configured to determine risk level information of each of the multiple users according to the evaluation values. The risk level information corresponds to the identity identification information.

[0146] According to an embodiment of the present disclosure, the registration information may include account opening link dimension information and transaction link dimension information of the users.

[0147] According to an embodiment of the present disclosure, the first determination unit may include a first determination subunit, a second determination subunit, and a third determination subunit.

[0148] The first determination subunit is configured to determine a first evaluation value when the account opening link dimension information meets a first preset evaluation criterion.

[0149] The second determination subunit is configured to determine a second evaluation value when the transaction link dimension information meets a second preset evaluation criterion.

[0150] The third determination subunit is configured to determine the evaluation value according to the first evaluation value and the second evaluation value.

[0151] According to an embodiment of the present disclosure, the second determination unit may include a fourth determination subunit, a fifth determination subunit, and a sixth determination subunit.

[0152] The fourth determination subunit is configured to determine that the risk level information of the user is the first risk level when the evaluation value is greater than the first threshold.

[0153] The fifth determination subunit is configured to determine that the risk level information of the user is the second risk level when the evaluation value is between the first threshold and the second threshold.

[0154] The sixth determination subunit is configured to determine that the risk level information of the user is the third risk level when the evaluation value is less than the second threshold.

[0155] According to an embodiment of the present disclosure, the user basic information may include the user's natural information, asset information, account information, and historical transaction information.

[0156] According to an embodiment of the present disclosure, the processing module 702 may include a processing unit and a third determination unit.

[0157] The processing unit is configured to respectively process the user basic information and risk level information of multiple users by using a preset model to obtain a processing result. The preset model includes a machine learning model.

[0158] The third determination unit is configured to determine the transaction amount information corresponding to the identity identification information of multiple users according to the processing result.

[0159] According to an embodiment of the present disclosure, the processing module 702 may further include a fourth determination unit.

[0160] The fourth determination unit is configured to determine the risk identity identification information of the risk user when the processing result indicates that the user belongs to a risk user.

[0161] According to an embodiment of the present disclosure, the transaction request may include the target identity identification information of the target user and transaction information, and the transaction information includes the target user's transaction channel information, transaction type information, transaction amount information, user level information, and user preference information.

[0162] According to an embodiment of the present disclosure, the second determination module 703 may include a fifth determination unit and a sixth determination unit.

[0163] The fifth determination unit is configured to determine the candidate transaction amount information of the target user according to the target identity identification information.

[0164] The sixth determination unit is configured to determine the target transaction amount information according to the transaction channel information, transaction type information, user level information, and user preference information.

[0165] According to an embodiment of the present disclosure, the second determination module 703 may further include a seventh determination unit and an eighth determination unit.

[0166] The seventh determination unit is configured to determine authentication medium information according to the target transaction amount information when the relationship between the transaction amount information and the target transaction amount information meets a preset condition.

[0167] The eighth determination unit is configured to determine risk prompt information when the relationship between the transaction amount information and the target transaction amount information does not meet the preset condition.

[0168] According to an embodiment of the present disclosure, any multiple of the modules, sub-modules, units, and sub-units, or at least part of the functions of any multiple of them, may be implemented in one module. Any one or more of the modules, sub-modules, units, and sub-units according to an embodiment of the present disclosure may be split into multiple modules for implementation. Any one or more of the modules, sub-modules, units, and sub-units according to an embodiment of the present disclosure may be at least partially implemented as a hardware circuit, such as a field programmable gate array (FPGA), a programmable logic array (PLA), a system on chip, a system on substrate, a system on package, an application specific integrated circuit (ASIC), or may be implemented by any other reasonable way of integrating or packaging the circuit in hardware or firmware, or implemented in any one of the three implementation manners of software, hardware, and firmware, or in an appropriate combination of any several of them. Alternatively, one or more of the modules, sub-modules, units, and sub-units according to an embodiment of the present disclosure may be at least partially implemented as a computer program module, and when the computer program module is run, it can execute the corresponding function.

[0169] For example, any combination of the first determination module 701, the processing module 702, and the second determination module 703 may be combined and implemented in one module / unit / sub-unit, or any one of the modules / units / sub-units may be split into multiple modules / units / sub-units. Alternatively, at least part of the functions of one or more of these modules / units / sub-units may be combined with at least part of the functions of other modules / units / sub-units and implemented in one module / unit / sub-unit. According to an embodiment of the present disclosure, at least one of the first determination module 701, the processing module 702, and the second determination module 703 may be at least partially implemented as a hardware circuit, such as a field programmable gate array (FPGA), a programmable logic array (PLA), a system on chip, a system on a substrate, a system in a package, an application specific integrated circuit (ASIC), or any other reasonable way of integrating or packaging circuits, etc., implemented by hardware or firmware, or implemented in any one of the three implementation manners of software, hardware, and firmware, or in any appropriate combination of several of them. Alternatively, at least one of the first determination module 701, the processing module 702, and the second determination module 703 may be at least partially implemented as a computer program module, and when the computer program module is run, the corresponding functions may be executed.

[0170] It should be noted that the information processing device part in the embodiments of the present disclosure corresponds to the information processing method part in the embodiments of the present disclosure. For the description of the information processing device part, please refer to the information processing method part specifically, and details will not be repeated here.

[0171] Figure 8 The block diagram of an electronic device suitable for implementing the information processing method according to an embodiment of the present disclosure is schematically shown. Figure 8 The shown electronic device is only an example and should not impose any limitation on the functions and usage scope of the embodiments of the present disclosure.

[0172] As Figure 8 As shown, the computer electronic device 800 according to an embodiment of the present disclosure includes a processor 801, which can perform various appropriate actions and processes according to the program stored in the read-only memory (ROM) 802 or the program loaded from the storage part 808 into the random access memory (RAM) 803. The processor 801 may include, for example, a general microprocessor (such as a CPU), an instruction set processor, and / or a related chipset, and / or a dedicated microprocessor (such as an application specific integrated circuit (ASIC)), etc. The processor 801 may also include on-board memory for caching purposes. The processor 801 may include a single processing unit or multiple processing units for performing different actions of the method flow according to the embodiments of the present disclosure.

[0173] In the RAM 803, various programs and data required for the operation of the electronic device 800 are stored. The processor 801, the ROM 802, and the RAM 803 are connected to each other via a bus 804. The processor 801 performs various operations of the method flow according to the embodiments of the present disclosure by executing the programs in the ROM 802 and / or the RAM 803. It should be noted that the programs may also be stored in one or more memories other than the ROM 802 and the RAM 803. The processor 801 may also perform various operations of the method flow according to the embodiments of the present disclosure by executing the programs stored in the one or more memories.

[0174] According to an embodiment of the present disclosure, the electronic device 800 may further include an input / output (I / O) interface 805, and the input / output (I / O) interface 805 is also connected to the bus 804. The electronic device 800 may further include one or more of the following components connected to the I / O interface 805: an input portion 806 including a keyboard, a mouse, etc.; an output portion 807 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc. and a speaker, etc.; a storage portion 808 including a hard disk, etc.; and a communication portion 809 including a network interface card such as a LAN card, a modem, etc. The communication portion 809 performs communication processing via a network such as the Internet. A drive 810 is also connected to the I / O interface 805 as needed. A removable medium 811, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is mounted on the drive 810 as needed so that a computer program read therefrom is installed into the storage portion 808 as needed.

[0175] According to an embodiment of the present disclosure, the method flow according to the embodiments of the present disclosure may be implemented as a computer software program. For example, the embodiments of the present disclosure include a computer program product that includes a computer program carried on a computer-readable storage medium, and the computer program includes program codes for performing the method shown in the flowchart. In such an embodiment, the computer program may be downloaded and installed from a network via the communication portion 809, and / or installed from the removable medium 811. When the computer program is executed by the processor 801, the above-described functions defined in the system according to the embodiments of the present disclosure are performed. According to an embodiment of the present disclosure, the above-described systems, devices, apparatuses, modules, units, etc. may be implemented by computer program modules.

[0176] The present disclosure also provides a computer-readable storage medium, which may be included in the device / device / system described in the above embodiments; or may exist separately without being assembled into the device / device / system. The above computer-readable storage medium carries one or more programs, and when the one or more programs are executed, the method according to the embodiments of the present disclosure is implemented.

[0177] According to an embodiment of the present disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium. For example, it may include but is not limited to: portable computer disks, hard disks, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), portable compact disk read-only memory (CD-ROM), optical storage devices, magnetic storage devices, or any suitable combination of the above. In the present disclosure, the computer-readable storage medium may be any tangible medium that contains or stores a program, and the program may be used by or in conjunction with an instruction execution system, apparatus, or device.

[0178] For example, according to an embodiment of the present disclosure, the computer-readable storage medium may include one or more memories other than the ROM 802 and / or RAM 803 and / or ROM 802 and RAM 803 described above.

[0179] An embodiment of the present disclosure also includes a computer program product, which includes a computer program that contains program code for executing the method provided by the embodiment of the present disclosure. When the computer program product runs on an electronic device, the program code is used to cause the electronic device to implement the information processing method provided by the embodiment of the present disclosure.

[0180] When the computer program is executed by the processor 801, the above functions defined in the system / apparatus of the embodiment of the present disclosure are executed. According to an embodiment of the present disclosure, the systems, apparatuses, modules, units, etc. described above may be implemented by computer program modules.

[0181] In one embodiment, the computer program may rely on tangible storage media such as optical storage devices, magnetic storage devices, etc. In another embodiment, the computer program may also be transmitted and distributed in the form of a signal on a network medium, and downloaded and installed through the communication part 809, and / or installed from the removable medium 811. The program code contained in the computer program may be transmitted using any suitable network medium, including but not limited to: wireless, wired, etc., or any suitable combination of the above.

[0182] In accordance with embodiments of the present disclosure, program code for executing the computer programs provided by the embodiments of the present disclosure may be written in any combination of one or more programming languages. Specifically, these computing programs may be implemented using high-level procedural and / or object-oriented programming languages, and / or assembly / machine languages. Programming languages include, but are not limited to, such as Java, C++, Python, the "C" language, or similar programming languages. The program code may be executed entirely on the user computing device, partially on the user device, partially on a remote computing device, or entirely on a remote computing device or server. In cases involving a remote computing device, the remote computing device may be connected to the user computing device through any type of network, including a local area network (LAN) or a wide area network (WAN), or may be connected to an external computing device (e.g., by connecting through the Internet using an Internet service provider).

[0183] The flowcharts and block diagrams in the accompanying drawings illustrate the possible architectures, functions, and operations of systems, methods, and computer program products according to various embodiments of the present disclosure. In this regard, each block in the flowchart or block diagram may represent a module, a program segment, or a part of code that contains one or more executable instructions for implementing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the blocks may occur in a different order than marked in the accompanying drawings. For example, two consecutive blocks shown may actually be executed substantially in parallel, and they may sometimes be executed in the reverse order, depending on the functions involved. It should also be noted that each block in the block diagram or flowchart, and combinations of blocks in the block diagram or flowchart, may be implemented by a dedicated hardware-based system for performing the specified functions or operations, or may be implemented by a combination of dedicated hardware and computer instructions. Those skilled in the art can understand that the features recited in the various embodiments and / or claims of the present disclosure can be combined and / or combined in various ways, even if such combinations or combinations are not explicitly recited in the present disclosure. In particular, without departing from the spirit and teachings of the present disclosure, the features recited in the various embodiments and / or claims of the present disclosure can be combined and / or combined in various ways. All such combinations and / or combinations fall within the scope of the present disclosure.

[0184] The above describes the embodiments of the present disclosure. However, these embodiments are merely for illustrative purposes and not for limiting the scope of the present disclosure. Although the embodiments are described separately above, this does not mean that the measures in each embodiment cannot be used advantageously in combination. The scope of the present disclosure is defined by the appended claims and their equivalents. Without departing from the scope of the present disclosure, those skilled in the art can make various substitutions and modifications, and all such substitutions and modifications should fall within the scope of the present disclosure.

Claims

1. An information processing method, comprising: Responding to registration requests received from multiple users, and determining risk level information of each of the multiple users according to the registration requests, wherein the registration requests include registration information, identity identification information, and user basic information of each of the multiple users, and the risk level information is determined according to the relationship between an evaluation value of the user, a first threshold, and a second threshold, and the evaluation value is obtained by evaluating dimension information of an account opening link in the registration information using a first preset evaluation criterion and evaluating dimension information of a transaction link in the registration information using a second preset evaluation criterion; Processing the user basic information and the risk level information of each of the multiple users to obtain transaction quota information of each of the multiple users, wherein the transaction quota information corresponds to the identity identification information; Responding to a transaction request received from a target user among the multiple users, and determining target transaction quota information of the target user according to the transaction request, wherein the transaction request includes target identity identification information and transaction information of the target user, and the transaction information includes transaction channel information, transaction type information, transaction amount information, user level information, and user preference information of the target user; When the relationship between the transaction amount information and the target transaction quota information meets a preset condition, determining authentication medium information recommended for the target user to use according to the target transaction quota information; Wherein, the determining the target transaction quota information of the target user according to the transaction request includes: determining candidate transaction quota information of the target user according to the target identity identification information; and determining the target transaction quota information according to the transaction channel information, transaction type information, user level information, and user preference information.

2. The method according to claim 1, wherein, The determining the risk level information of each of the multiple users according to the registration requests includes: Determining evaluation values of each of the multiple users according to a preset evaluation criterion and the registration information; and Determining the risk level information of each of the multiple users according to the evaluation values, wherein the risk level information corresponds to the identity identification information.

3. The method according to claim 2, wherein, The registration information includes the dimension information of the account opening link and the dimension information of the transaction link of the user; The determining the evaluation values of each of the multiple users according to a preset evaluation criterion and the registration information includes: When the dimension information of the account opening link meets the first preset evaluation criterion, determining a first evaluation value; When the dimension information of the transaction link meets the second preset evaluation criterion, determining a second evaluation value; and Determining the evaluation value according to the first evaluation value and the second evaluation value.

4. The method according to claim 2 or 3, wherein, The determining the risk level information of each of the multiple users according to the evaluation values includes: When the evaluation value is greater than the first threshold, determining the risk level information of the user as a first risk level; When the evaluation value is between the first threshold and the second threshold, determining that the risk level information of the user is the second risk level; and When the evaluation value is less than the second threshold, determining that the risk level information of the user is the third risk level.

5. The method according to claim 1, wherein The user basic information includes the user's natural information, asset information, account information, and historical transaction information; The processing of the user basic information and the risk level information of each of the multiple users to obtain the transaction limit information of each of the multiple users includes: Using a preset model to process the user basic information and the risk level information of each of the multiple users respectively to obtain a processing result, where the preset model includes a machine learning model; and According to the processing result, determining the transaction limit information corresponding to the identity identification information of each of the multiple users.

6. The method according to claim 5, further comprising: When the processing result indicates that the user is a risk user, determining the risk identity identification information of the risk user.

7. The method according to claim 6, further comprising: When the relationship between the transaction amount information and the target transaction limit information does not meet a preset condition, determining a risk prompt information.

8. An information processing apparatus, comprising: A first determination module, configured to, in response to receiving registration requests from multiple users, determine the risk level information of each of the multiple users according to the registration requests, where the registration requests include the registration information, identity identification information, and user basic information of each of the multiple users, and the risk level information is determined according to the relationship between the evaluation value of the user, a first threshold, and a second threshold, and the evaluation value is obtained by evaluating the account opening link dimension information in the registration information using a first preset evaluation criterion and evaluating the transaction link dimension information in the registration information using a second preset evaluation criterion; A processing module, configured to process the user basic information and the risk level information of each of the multiple users to obtain the transaction limit information of each of the multiple users, where the transaction limit information corresponds to the identity identification information; and A second determination module, configured to, in response to receiving a transaction request from a target user among the multiple users, determine the target transaction limit information of the target user according to the transaction request, where the transaction request includes the target identity identification information and transaction information of the target user, and the transaction information includes the transaction channel information, transaction type information, transaction amount information, user level information, and user preference information of the target user; A seventh determination unit, configured to, when the relationship between the transaction amount information and the target transaction limit information meets a preset condition, determine the authentication medium information recommended for the target user to use according to the target transaction limit information; Wherein, the second determination module includes: a fifth determination unit configured to determine candidate transaction quota information of the target user according to the target identity identification information; and a sixth determination unit configured to determine the target transaction quota information according to the transaction channel information, transaction type information, user level information, and user preference information.

9. An electronic device, comprising: One or more processors; A memory for storing one or more instructions, Wherein, when the one or more instructions are executed by the one or more processors, the one or more processors are caused to implement the method according to any one of claims 1 to 7.

10. A computer-readable storage medium having executable instructions stored thereon, wherein the executable instructions, when executed by a processor, cause the processor to implement the method according to any one of claims 1 to 7.

11. A computer program product, the computer program product including computer-executable instructions that, when executed, are used to implement the method according to any one of claims 1 to 7.

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