Method and device for modifying mobile phone number of bank customer

Abstract

The application provides a method and device for modifying a mobile phone number of a bank customer, and relates to the technical field of computer data, which comprises the following steps: obtaining a mobile terminal of the customer and sending a mobile phone number modification request to a bank server, wherein the mobile phone number modification request comprises customer identity information and a first mobile phone number, and the mobile phone number modification request is used for modifying the mobile phone number of the customer stored in the bank server to the first mobile phone number; determining the mobile phone number of the customer stored in the bank server according to the customer identity information, and taking the mobile phone number as a second mobile phone number; determining whether the customer is a safe customer; when it is determined that the customer is a safe customer, determining an association index of the first mobile phone number and the second mobile phone number; and performing risk control on the current mobile phone number modification according to the association index of the first mobile phone number and the second mobile phone number.

Description

Technical Field

[0001] This invention relates to the field of computer data technology, and more particularly to a method and apparatus for a bank customer to change their mobile phone number. Background Technology

[0002] This section is intended to provide background or context for the embodiments of the invention set forth in the claims. The description herein is not an admission that it is prior art simply because it is included in this section.

[0003] In banking scenarios, customers are required to provide their mobile phone number when opening a bank account. This number is important personal identification information, used to receive bank notifications, transaction alerts, and other information, and serves as crucial identification when conducting banking transactions. Therefore, mobile phone numbers may involve significant risks. Currently, customers need to visit a physical branch to change their mobile phone number, resulting in a poor customer experience.

[0004] In summary, there is an urgent need for a technical solution that can overcome the above-mentioned shortcomings and control the risks associated with customers changing their mobile phone numbers. Summary of the Invention

[0005] To address the problems existing in the prior art, this invention proposes a method and apparatus for bank customers to change their mobile phone numbers.

[0006] In a first aspect of the present invention, a method for a bank customer to change their mobile phone number is proposed, comprising:

[0007] The system obtains the customer's mobile terminal and sends a mobile number modification request to the bank server. The mobile number modification request includes the customer's identity information and a first mobile number. The mobile number modification request is used to modify the customer's mobile number stored on the bank server to the first mobile number.

[0008] Based on the customer's identity information, determine the customer's mobile phone number stored on the bank's server and use that mobile phone number as a secondary mobile phone number;

[0009] Determine if the customer is a secure customer;

[0010] When determining that a customer is a safe customer, determine the correlation indicators between the first mobile phone number and the second mobile phone number;

[0011] Risk control measures were implemented for this phone number modification based on the correlation indicators between the first and second phone numbers.

[0012] In a second aspect of the present invention, an apparatus for a bank customer to modify their mobile phone number is provided, comprising:

[0013] The request acquisition module is used to acquire the mobile number modification request sent by the customer's mobile terminal to the bank server. The mobile number modification request includes the customer's identity information and a first mobile number. The mobile number modification request is used to modify the customer's mobile number stored on the bank server to the first mobile number.

[0014] The mobile phone number determination module is used to determine the customer's mobile phone number stored on the bank's server based on the customer's identity information, and to use that mobile phone number as a secondary mobile phone number.

[0015] The secure customer identification module is used to determine whether a customer is a secure customer.

[0016] The correlation indicator determination module is used to determine the correlation indicators between the first mobile phone number and the second mobile phone number when the customer is determined to be a safe customer.

[0017] The risk control module is used to control the risk of this mobile number modification based on the correlation indicators between the first and second mobile numbers.

[0018] In a third aspect of the present invention, a computer device is provided, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor executes the computer program to implement a method for a bank's customer to modify a mobile phone number.

[0019] In a fourth aspect of the present invention, a computer-readable storage medium is provided, the computer-readable storage medium storing a computer program, which, when executed by a processor, implements a method for a bank's customer to modify a mobile phone number.

[0020] In a fifth aspect of the present invention, a computer program product is provided, the computer program product comprising a computer program that, when executed by a processor, implements a method for a bank's customers to modify their mobile phone numbers.

[0021] The present invention proposes a method and apparatus for banks to modify mobile phone numbers. This method analyzes a customer's request to modify their mobile phone number; determines the customer's mobile phone number stored on the bank's server based on the customer's identity information, and uses this number as a second mobile phone number; determines whether the customer is a secure customer; if the customer is secure, determines the correlation index between the first and second mobile phone numbers; and performs risk control on the mobile phone number modification based on the correlation index. The overall solution effectively controls the risk of mobile phone number changes and protects customer information security. Attached Figure Description

[0022] To more clearly illustrate the technical solutions of the embodiments of this application, the drawings used in the description of the embodiments will be briefly introduced below. Obviously, the drawings described below are some embodiments of this application. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0023] Figure 1 This is a schematic flowchart illustrating a method for a bank customer to change their mobile phone number according to an embodiment of the present invention.

[0024] Figure 2 This is a schematic diagram of the process for determining a secure customer according to an embodiment of the present invention.

[0025] Figure 3 This is a schematic diagram of the process for determining the correlation indicators of a first mobile phone number and a second mobile phone number according to an embodiment of the present invention.

[0026] Figure 4 This is a schematic diagram of a process for risk control of this mobile phone number modification according to an embodiment of the present invention.

[0027] Figure 5 This is a schematic diagram of the process for determining the correspondence between customer matrix and risk type according to an embodiment of the present invention.

[0028] Figure 6 This is a schematic diagram of a device architecture for a bank customer to change their mobile phone number according to an embodiment of the present invention.

[0029] Figure 7 This is a schematic diagram of a computer device structure according to an embodiment of the present invention. Detailed Implementation

[0030] The principles and spirit of the invention will now be described with reference to several exemplary embodiments. It should be understood that these embodiments are given merely to enable those skilled in the art to better understand and implement the invention, and are not intended to limit the scope of the invention in any way. Rather, these embodiments are provided to make this disclosure more thorough and complete, and to fully convey the scope of this disclosure to those skilled in the art.

[0031] Those skilled in the art will recognize that embodiments of the present invention can be implemented as a system, apparatus, device, method, or computer program product. Therefore, this disclosure can be specifically implemented in the following forms: entirely hardware, entirely software (including firmware, resident software, microcode, etc.), or a combination of hardware and software.

[0032] According to an embodiment of the present invention, a method and apparatus for a bank customer to modify their mobile phone number are proposed, relating to the field of computer data technology.

[0033] The principles and spirit of the present invention will be explained in detail below with reference to several representative embodiments.

[0034] Figure 1 This is a schematic flowchart illustrating a method for a bank customer to change their mobile phone number according to an embodiment of the present invention. Figure 1 As shown, the method includes:

[0035] S1, obtain the customer's mobile terminal sending a mobile phone number modification request to the bank server, wherein the mobile phone number modification request includes the customer's identity information and a first mobile phone number, and the mobile phone number modification request is used to modify the customer's mobile phone number stored on the bank server to the first mobile phone number;

[0036] S2, based on the customer's identity information, determine the customer's mobile phone number stored on the bank's server, and use that mobile phone number as the second mobile phone number;

[0037] S3, determine whether the customer is a secure customer;

[0038] S4, when determining that the customer is a safe customer, determine the correlation index between the first mobile phone number and the second mobile phone number;

[0039] S5 uses the correlation indicators between the first and second mobile phone numbers to conduct risk control for this mobile phone number modification.

[0040] To provide a clearer explanation of the methods for customers of the aforementioned banks to change their mobile phone numbers, the following detailed explanation will cover each step.

[0041] In one embodiment, reference Figure 2 The present invention also includes determining secure customers by the following method:

[0042] S201, classify the bank's customers to obtain multiple customer subsets;

[0043] S202, Based on the historical transaction data of each customer subset, determine the transaction security matrix corresponding to each customer subset;

[0044] S203, For each customer subset, the non-zero eigenvalue of the transaction security matrix corresponding to the customer subset is used as the security eigenvalue corresponding to the customer subset;

[0045] S204. Determine secure customers based on the security feature values ​​corresponding to each customer subset;

[0046] In practical applications, for each subset of customers, if the magnitude of the security feature value corresponding to the subset of customers is greater than the set security threshold, then the customers of the subset of customers are considered secure customers.

[0047] Specifically, (S202) based on the historical transaction data of each customer subset, the transaction security matrix corresponding to each customer subset is determined, including:

[0048] S202-1, For each combination of business channels and business types, the bank server selects the historical transaction data corresponding to each customer subset for that combination from the historical transaction data of each customer subset;

[0049] S202-2, For each combination of business channels and business types, determine the security probability of each customer subset corresponding to the combination based on the historical transaction data of each customer subset corresponding to the combination;

[0050] S202-3, determine the transaction security matrix corresponding to each customer subset, wherein the rows of the transaction security matrix correspond to the business channels, the columns correspond to the business types, and the element value of each element of the transaction security matrix is ​​equal to the security probability of the customer subset corresponding to the combination of the business channel and the business type corresponding to that element;

[0051] S202-4, when the number of rows in the transaction security matrix corresponding to the customer subset is equal to the number of columns, the transaction security matrix corresponding to the customer subset is determined as the transaction security matrix corresponding to the customer subset.

[0052] S202-5, when the number of rows in the transaction security matrix corresponding to the customer subset is greater than the number of columns, the columns of the transaction security matrix corresponding to the customer subset are padded with 0 according to the difference between the number of rows and the number of columns to obtain a square matrix, and the obtained square matrix is ​​used as the transaction security square matrix corresponding to the customer subset.

[0053] S202-6, when the number of rows in the transaction security matrix corresponding to the customer subset is less than the number of columns, the rows of the transaction security matrix corresponding to the customer subset are padded with 0s according to the difference between the number of columns and the number of rows to obtain a square matrix, and the obtained square matrix is ​​used as the transaction security square matrix corresponding to the customer subset.

[0054] In one embodiment, reference Figure 3 In S4, the correlation indicators between the first and second mobile phone numbers are determined, including:

[0055] S41, the bank server sends a request to each customer information system to obtain the associated mobile phone number, wherein the request includes the selected hash function, the first mobile phone number, and the second mobile phone number;

[0056] S42, for each customer information system, the customer information system uses the hash value of the identity information of each associated mobile number corresponding to the first mobile number stored in the customer information system as the associated mobile fingerprint of the first mobile number corresponding to the customer information system, and uses the hash value of the identity information of each associated mobile number corresponding to the second mobile number stored in the customer information system as the associated mobile fingerprint of the second mobile number corresponding to the customer information system, according to the selected hash function; the association index between the first mobile number and each associated mobile number is used as the association index between the first mobile number and the associated mobile fingerprint of the associated mobile number with respect to the customer information system, and the association index between the second mobile number and each associated mobile number is used as the association index between the second mobile number and the associated mobile fingerprint of the associated mobile number with respect to the customer information system.

[0057] S43, each customer information system will send the first mobile number to the associated mobile fingerprint of the customer information system, the association index of the first mobile number and each associated mobile fingerprint of the customer information system with respect to the customer information system, the second mobile number to the associated mobile fingerprint of the customer information system, and the association index of the second mobile number and each associated mobile fingerprint of the customer information system with respect to the customer information system to the bank server.

[0058] S44, the bank server determines the multiple associated mobile fingerprints corresponding to this mobile number modification based on the associated mobile fingerprints of the first mobile number and the associated mobile fingerprints of the second mobile number in each customer information system.

[0059] S45, for each associated mobile fingerprint corresponding to this mobile number modification, the association index between the first mobile number and the associated mobile fingerprint is determined based on the association index between the first mobile number and the associated mobile fingerprint in each customer information system, and the association index between the second mobile number and the associated mobile fingerprint is determined based on the association index between the second mobile number and the associated mobile fingerprint in each customer information system.

[0060] S46. Based on the multiple associated mobile fingerprints corresponding to this mobile number change, the association indicators of the first mobile number and each associated mobile fingerprint corresponding to this mobile number change, and the association indicators of the second mobile number and each associated mobile fingerprint corresponding to this mobile number change, determine the association indicators between the first mobile number and the second mobile number.

[0061] Specifically, (S44) the bank server determines multiple associated mobile fingerprints corresponding to this mobile number modification based on the associated mobile fingerprints of the first mobile number and the second mobile number in various customer information systems, including:

[0062] S44-1, take the union of the associated mobile fingerprints of each customer information system corresponding to the first mobile number as the associated mobile fingerprint of the first mobile number, and take the union of the associated mobile fingerprints of each customer information system corresponding to the second mobile number as the associated mobile fingerprint of the second mobile number.

[0063] S44-2, take the intersection of the associated mobile fingerprint corresponding to the first mobile number and the associated mobile fingerprint corresponding to the second mobile number as the associated mobile fingerprint corresponding to this mobile number modification.

[0064] Specifically, (S46) based on the multiple associated mobile fingerprints corresponding to this mobile number change, the association indicators between the first mobile number and each associated mobile fingerprint corresponding to this mobile number change, and the association indicators between the second mobile number and each associated mobile fingerprint corresponding to this mobile number change, the association indicators between the first mobile number and each associated mobile fingerprint corresponding to this mobile number change are determined, including:

[0065] S46-1, For each associated mobile fingerprint corresponding to this mobile number modification, the product of the association index of the first mobile number and the associated mobile fingerprint and the association index of the second mobile number and the associated mobile fingerprint is taken as the association index product corresponding to the associated mobile fingerprint.

[0066] S46-2, the maximum value of the product of the association indicators corresponding to each associated mobile phone fingerprint corresponding to this mobile phone number modification is used as the association indicator between the first mobile phone number and the second mobile phone number.

[0067] In another embodiment, (S4) determining the correlation index between the first mobile phone number and the second mobile phone number includes:

[0068] S401, determine whether the bank server has pre-stored the correlation indicators between the first mobile phone number and the second mobile phone number;

[0069] S402, if it is determined that the bank server has pre-stored the association index of the first mobile number and the second mobile number, then the pre-stored association index shall be used as the association index of the first mobile number and the second mobile number.

[0070] In one embodiment, the method further includes determining the correlation index between the various mobile phone numbers according to the following method:

[0071] Obtain the associated accounts corresponding to each pre-stored mobile phone number, as well as the association metrics between each mobile phone number and its corresponding associated account;

[0072] Initialize the metric increment for each mobile number and its corresponding associated account to a fixed value, where the fixed value is greater than the metric threshold.

[0073] Repeat the following steps until, for each mobile number and each account, condition t is no longer met: the account is the associated account of the mobile number, and the metric increment of the account and the mobile number is greater than the metric threshold.

[0074] Find the mobile phone numbers and accounts that meet the above condition t;

[0075] Use the mobile phone number associated with this account as a candidate mobile phone number;

[0076] Based on the associated account corresponding to the mobile phone number, the association indicators between the mobile phone number and the associated account, the associated account corresponding to the candidate mobile phone number, and the association indicators between the candidate mobile phone number and the associated account, determine the potential association indicators between the mobile phone number and the account; (Refer to S46)

[0077] When the correlation metric between the mobile number and the account is less than the potential correlation metric between the mobile number and the account, the correlation metric between the mobile number and the account is updated to the potential correlation metric between the mobile number and the account, and the metric increment between the mobile number and the account is updated to the difference between the correlation metric between the mobile number and the account after the update and the correlation metric before the update.

[0078] In one embodiment, reference Figure 4 In S5, risk control is implemented for this phone number modification based on the correlation indicators between the first and second phone numbers, including:

[0079] S51, based on the correlation indicators of the first and second mobile phone numbers, determine the customer matrix corresponding to this mobile phone number modification;

[0080] S52. Based on the customer matrix corresponding to this mobile number change, the correspondence between the customer matrix and risk type stored in the bank server, determine the risk type corresponding to this mobile number change.

[0081] S53, based on the risk type corresponding to this mobile number change, risk control measures will be implemented for this mobile number change.

[0082] Specifically, (S51) based on the correlation indicators of the first and second mobile phone numbers, the customer matrix corresponding to this mobile phone number modification is determined, including:

[0083] S51-1, retrieve historical mobile number modification data from the bank;

[0084] S51-2, For each historical mobile number modification data of the bank, determine the correlation indicator corresponding to the mobile number before modification and the mobile number after modification, and use the correlation indicator as the correlation indicator corresponding to the historical mobile number modification data.

[0085] S51-3, the historical mobile number modification data whose corresponding correlation index is equal to the correlation index of the first mobile number and the second mobile number shall be used as the historical mobile number modification data corresponding to this mobile number modification.

[0086] S51-4 For each historical mobile number modification data corresponding to this mobile number modification, the customer type to which the customer belongs to the mobile number before the modification is the first customer type corresponding to the historical mobile number modification data, and the customer type to which the customer belongs to the mobile number after the modification is the second customer type corresponding to the historical mobile number modification data.

[0087] S51-5, determine the customer matrix corresponding to this mobile number modification, wherein the rows and columns of the customer matrix correspond to customer types; for each element of the customer matrix, the value of the element is equal to the number of historical mobile number modification data corresponding to this mobile number modification, where the first customer type is equal to the customer type corresponding to the row of the element and the second customer type is equal to the customer type corresponding to the column of the element.

[0088] Specifically, (S52) based on the customer matrix corresponding to this mobile number change, the correspondence between the customer matrix pre-stored on the bank server and the risk type, the risk type corresponding to this mobile number change is determined, including:

[0089] S52-1, For each customer matrix included in the correspondence between the customer matrix and the risk type, the matrix difference between the customer matrix and the customer matrix corresponding to this mobile number modification is taken as the matrix difference corresponding to the customer matrix.

[0090] S52-2, based on the number of rows and columns of the matrix difference corresponding to the customer matrix, pad with zeros to obtain a square matrix, and use the non-zero eigenvalues ​​of the obtained square matrix as the difference eigenvalues ​​corresponding to the customer matrix.

[0091] S52-3, Based on the difference characteristic values ​​of each customer matrix included in the correspondence between the customer matrix and risk type, determine the potential customer matrix corresponding to this mobile phone number modification;

[0092] S52-4. Based on the potential customer matrix corresponding to this mobile number change, the correspondence between the customer matrix pre-stored on the bank server and the risk type, determine the risk type corresponding to this mobile number change.

[0093] In one embodiment, (S52-3) based on the difference feature values ​​corresponding to each customer matrix included in the correspondence between the customer matrix and risk type, the potential customer matrix corresponding to this mobile phone number modification is determined, including:

[0094] Determine the correspondence between the customer matrix and the risk type. Among the customer matrices included, does there exist a customer matrix that satisfies condition t: the magnitude of the difference feature value corresponding to the customer matrix is ​​less than the difference threshold;

[0095] If it is determined that a customer matrix exists that satisfies condition t, then that customer matrix is ​​used as the potential customer matrix corresponding to this mobile number modification.

[0096] If it is determined that no customer matrix satisfies condition t, then the following steps are executed sequentially:

[0097] Based on historical transaction data from multiple historical periods on the bank's server, relevant thresholds for each period are determined.

[0098] Based on the period-related threshold, the period preceding the current period and whose period difference from the current period is less than or equal to the period-related threshold is considered the relevant period;

[0099] Based on the bank's historical mobile number modification data over multiple relevant periods, and the correlation indicators between the first and second mobile numbers, update the customer matrix corresponding to this mobile number modification; (In actual application scenarios, the method for updating the customer matrix corresponding to this mobile number modification can refer to methods S51-1 to S51-5.)

[0100] Based on the updated potential customer matrix corresponding to this mobile number change, the correspondence between the customer matrix and risk type stored in the bank's server, the potential customer matrix corresponding to this mobile number change is determined.

[0101] In one embodiment, determining period-related thresholds based on historical transaction data from the bank server across multiple historical periods includes:

[0102] For each historical period, determine the customer category and transaction category corresponding to each historical transaction data of the bank server in that historical period;

[0103] For each combination of customer category and transaction category, the corresponding combination of customer category and transaction category is selected from the historical transaction data of the bank server for that historical period. The number of transactions contained in the selected historical transaction data is taken as the transaction volume of that combination for that historical period.

[0104] Determine the customer transaction matrix of the bank server for this historical period, wherein the rows of the customer transaction matrix correspond to customer categories, the columns correspond to transaction categories, and the element value of each element of the customer transaction matrix is ​​equal to the transaction volume of the combination of the customer category and the transaction category corresponding to that element in this historical period;

[0105] For each historical period, the historical period preceding that historical period is regarded as the historical prelude to that historical period.

[0106] Based on the customer transaction matrix of the bank server during this historical period and the customer transaction matrix of each preceding historical period, the relevant threshold for this historical period is determined.

[0107] The minimum value of the period-related threshold corresponding to each historical period is taken as the period-related threshold.

[0108] In one embodiment, based on the customer transaction matrix of the bank server for that historical period and the customer transaction matrices of each preceding historical period, a period-related threshold corresponding to that historical period is determined, including:

[0109] For each preceding historical period of this historical period, the difference between the customer transaction matrix of the bank server in the preceding historical period and the customer transaction matrix in the current historical period is taken as the difference between the preceding historical period and the current historical period.

[0110] The matrix is ​​padded with zeros based on the difference between the matrix of the preceding historical period and the current historical period. The non-zero eigenvalues ​​of the obtained matrix are used as the relevant eigenvalues ​​of the preceding historical period and the current historical period.

[0111] If the magnitude of the relevant feature value of the preceding historical period and the historical period is less than the set relevant feature threshold, then the time difference between the historical period and the preceding historical period is taken as the potential relevant time difference corresponding to the historical period.

[0112] Based on the time differences of each potential relevant period corresponding to this historical period, determine the relevant time threshold for this historical period.

[0113] In one embodiment, determining the period-related threshold corresponding to the historical period based on the potential relevant period differences for that historical period includes:

[0114] For each potentially relevant period difference corresponding to a historical period, if an integer greater than 0 and less than the potentially relevant period difference is also a potentially relevant period difference corresponding to that historical period, then that potentially relevant period difference is taken as the relevant period difference corresponding to that historical period.

[0115] The maximum value of the relevant period difference corresponding to the historical period is taken as the period-related threshold corresponding to the historical period.

[0116] In one embodiment, reference Figure 5 The present invention also includes determining the correspondence between the customer matrix and risk types according to the following method:

[0117] S501, obtain the bank's historical mobile number modification data and determine the type of risk involved in the historical mobile number modification data;

[0118] S502, for each historical mobile number modification data, the customer type to which the customer belongs corresponding to the mobile number before the modification is the first customer type corresponding to the historical mobile number modification data, and the customer type to which the customer belongs corresponding to the mobile number after the modification is the second customer type corresponding to the historical mobile number modification data.

[0119] S503, for each risk type involved in the historical mobile number modification data, the historical mobile number modification data involving that risk type in the bank's historical mobile number modification data shall be used as the historical mobile number modification data corresponding to that risk type.

[0120] S504, for each risk type involved in the historical mobile number modification data, determine the customer matrix corresponding to the risk type, wherein the rows and columns of the customer matrix correspond to customer types; for each element of the customer matrix, the value of the element is equal to the number of historical mobile number modification data in the historical mobile number modification data corresponding to the risk type, where the first customer type is equal to the customer type corresponding to the row of the element and the second customer type is equal to the customer type corresponding to the column of the element.

[0121] It should be noted that although the operation of the method of the present invention has been described in a specific order in the above embodiments and figures, this does not require or imply that the operations must be performed in that specific order, or that all the operations shown must be performed to achieve the desired result. Additionally or alternatively, certain steps may be omitted, multiple steps may be combined into one step, and / or one step may be broken down into multiple steps.

[0122] After introducing the method of exemplary embodiments of the present invention, the following references are made. Figure 6 An exemplary embodiment of the present invention will be described of a bank's device for modifying a customer's mobile phone number.

[0123] The implementation of the device for bank customers to change their mobile phone numbers can refer to the implementation of the method described above, and repeated details will not be elaborated further. The term "module" or "unit" used below can refer to a combination of software and / or hardware that implements a predetermined function. Although the device described in the following embodiments is preferably implemented in software, hardware implementation, or a combination of software and hardware, is also possible and contemplated.

[0124] Based on the same inventive concept, this invention also proposes a device for bank customers to change their mobile phone numbers, such as... Figure 6 As shown, the device includes:

[0125] The request acquisition module 110 is used to acquire the mobile number modification request sent by the customer's mobile terminal to the bank server. The mobile number modification request includes the customer's identity information and a first mobile number. The mobile number modification request is used to modify the mobile number stored by the customer on the bank server to the first mobile number.

[0126] The mobile phone number determination module 120 is used to determine the customer's mobile phone number stored on the bank server based on the customer's identity information, and use the mobile phone number as a second mobile phone number;

[0127] The secure customer determination module 130 is used to determine whether the customer is a secure customer.

[0128] The association indicator determination module 140 is used to determine the association indicators of the first mobile phone number and the second mobile phone number when the customer is determined to be a safe customer.

[0129] The risk control module 150 is used to perform risk control on this mobile number modification based on the correlation indicators between the first mobile number and the second mobile number.

[0130] In one embodiment, the secure client determination module is used to determine secure clients according to the following method:

[0131] The bank's customers are categorized to obtain multiple customer subsets;

[0132] Based on the historical transaction data of each customer subset, determine the transaction security matrix corresponding to each customer subset;

[0133] For each customer subset, the non-zero eigenvalue of the transaction security matrix corresponding to that customer subset is used as the security eigenvalue corresponding to that customer subset.

[0134] Based on the security feature values ​​corresponding to each customer subset, secure customers are identified.

[0135] In one embodiment, the secure client determination module is specifically used for:

[0136] For each combination of business channels and business types, the bank server selects the historical transaction data corresponding to each customer subset for that combination from the historical transaction data of each customer subset;

[0137] For each combination of business channels and business types, the security probability of each customer subset corresponding to the combination is determined based on the historical transaction data of each customer subset corresponding to the combination.

[0138] Determine the transaction security matrix corresponding to each customer subset, where the rows of the transaction security matrix correspond to the business channels and the columns correspond to the business types. The element value of each element of the transaction security matrix is ​​equal to the security probability of the customer subset corresponding to the combination of the business channel and the business type corresponding to that element.

[0139] When the number of rows in the transaction security matrix corresponding to the customer subset is equal to the number of columns, the transaction security matrix corresponding to the customer subset is determined as the transaction security matrix corresponding to the customer subset.

[0140] When the number of rows in the transaction security matrix corresponding to the customer subset is greater than the number of columns, the columns of the transaction security matrix corresponding to the customer subset are padded with 0s based on the difference between the number of rows and the number of columns to obtain a square matrix, and the obtained square matrix is ​​used as the transaction security square matrix corresponding to the customer subset.

[0141] When the number of rows in the transaction security matrix corresponding to the customer subset is less than the number of columns, the rows of the transaction security matrix corresponding to the customer subset are padded with zeros according to the difference between the number of columns and the number of rows to obtain a square matrix, and the obtained square matrix is ​​used as the transaction security square matrix corresponding to the customer subset.

[0142] In one embodiment, the correlation index determination module is specifically used for:

[0143] The bank server sends a request to each customer information system to obtain the associated mobile phone number. The request includes the selected hash function, the first mobile phone number, and the second mobile phone number.

[0144] For each customer information system, based on the selected hash function, the customer information system uses the hash value of the identity information of each associated mobile number corresponding to the first mobile number stored in the customer information system as the associated mobile fingerprint of the first mobile number corresponding to the customer information system, and uses the hash value of the identity information of each associated mobile number corresponding to the second mobile number stored in the customer information system as the associated mobile fingerprint of the second mobile number corresponding to the customer information system; the association index between the first mobile number and each associated mobile number is used as the association index between the first mobile number and the associated mobile fingerprint of the associated mobile number with respect to the customer information system, and the association index between the second mobile number and each associated mobile number is used as the association index between the second mobile number and the associated mobile fingerprint of the associated mobile number with respect to the customer information system.

[0145] Each customer information system will send the first mobile number to the associated mobile fingerprint of the customer information system, the association indicators of the first mobile number and each associated mobile fingerprint of the customer information system with respect to the customer information system, the second mobile number to the associated mobile fingerprint of the customer information system, and the association indicators of the second mobile number and each associated mobile fingerprint of the customer information system with respect to the customer information system to the bank server.

[0146] The bank server determines the multiple associated mobile fingerprints corresponding to this mobile number change based on the associated mobile fingerprints of the first mobile number and the second mobile number.

[0147] For each associated mobile fingerprint corresponding to this mobile number modification, the association index between the first mobile number and the associated mobile fingerprint is determined based on the association index between the first mobile number and the associated mobile fingerprint in each customer information system, and the association index between the second mobile number and the associated mobile fingerprint is determined based on the association index between the second mobile number and the associated mobile fingerprint in each customer information system.

[0148] Based on the multiple associated mobile fingerprints corresponding to this mobile number change, the association indicators between the first mobile number and each associated mobile fingerprint corresponding to this mobile number change, and the association indicators between the second mobile number and each associated mobile fingerprint corresponding to this mobile number change, the association indicators between the first mobile number and the second mobile number are determined.

[0149] In one embodiment, the correlation index determination module is specifically used for:

[0150] The union of the associated mobile fingerprints of the first mobile number to each customer information system is taken as the associated mobile fingerprint of the first mobile number, and the union of the associated mobile fingerprints of the second mobile number to each customer information system is taken as the associated mobile fingerprint of the second mobile number.

[0151] The intersection of the associated mobile fingerprints of the first mobile number and the associated mobile fingerprints of the second mobile number is used as the associated mobile fingerprint for this mobile number modification.

[0152] In one embodiment, the risk control module is specifically used for:

[0153] Based on the correlation indicators between the first and second mobile phone numbers, determine the customer matrix corresponding to this mobile phone number change;

[0154] Based on the customer matrix corresponding to this mobile number change, the correspondence between the customer matrix pre-stored on the bank server and the risk type, the risk type corresponding to this mobile number change is determined;

[0155] Based on the risk type corresponding to this mobile phone number change, risk control measures will be implemented for this mobile phone number change.

[0156] In one embodiment, the risk control module is specifically used for:

[0157] Retrieve historical mobile number modification data from banks;

[0158] For each historical mobile number modification data of the bank, determine the correlation indicators corresponding to the mobile number before the modification and the mobile number after the modification, and use the correlation indicators as the correlation indicators corresponding to the historical mobile number modification data.

[0159] The historical mobile number modification data corresponding to the correlation index of the first mobile number and the second mobile number is used as the historical mobile number modification data corresponding to this mobile number modification.

[0160] For each historical mobile number modification data corresponding to this mobile number modification, the customer type to which the customer belongs to the mobile number before the modification is the first customer type corresponding to the historical mobile number modification data, and the customer type to which the customer belongs to the mobile number after the modification is the second customer type corresponding to the historical mobile number modification data.

[0161] Determine the customer matrix corresponding to this mobile number modification, where the rows and columns of the customer matrix correspond to customer types. For each element of the customer matrix, the value of the element is equal to the number of historical mobile number modification data corresponding to this mobile number modification where the first customer type is equal to the customer type corresponding to the row of the element and the second customer type is equal to the customer type corresponding to the column of the element.

[0162] In one embodiment, the risk control module is further configured to determine the correspondence between the customer matrix and risk types according to the following method:

[0163] Obtain historical mobile number modification data from banks and determine the type of risk involved in such historical mobile number modification data;

[0164] For each historical mobile number modification data, the customer type to which the customer belongs corresponding to the mobile number before the modification is the first customer type corresponding to the historical mobile number modification data, and the customer type to which the customer belongs corresponding to the mobile number after the modification is the second customer type corresponding to the historical mobile number modification data.

[0165] For each risk type involved in the historical mobile number modification data, the historical mobile number modification data involving that risk type in the bank's historical mobile number modification data will be used as the historical mobile number modification data corresponding to that risk type.

[0166] For each risk type involved in the historical mobile number modification data, determine the customer matrix corresponding to the risk type, where the rows and columns of the customer matrix correspond to customer types; for each element of the customer matrix, the value of the element is equal to the number of historical mobile number modification data corresponding to the risk type in the historical mobile number modification data, where the first customer type is equal to the customer type corresponding to the row of the element and the second customer type is equal to the customer type corresponding to the column of the element.

[0167] It should be noted that although several modules of a bank's customer mobile number modification device are mentioned in the detailed description above, this division is merely exemplary and not mandatory. In fact, according to embodiments of the present invention, the features and functions of two or more modules described above can be embodied in a single module. Conversely, the features and functions of a single module described above can be further divided and embodied by multiple modules.

[0168] Based on the aforementioned inventive concept, such as Figure 7 As shown, the present invention also proposes a computer device 700, including a memory 710, a processor 720, and a computer program 730 stored in the memory 710 and executable on the processor 720. When the processor 720 executes the computer program 730, it implements the aforementioned method for customers of the bank to modify their mobile phone numbers.

[0169] Based on the aforementioned inventive concept, the present invention proposes a computer-readable storage medium storing a computer program, which, when executed by a processor, implements the aforementioned method for a bank's customer to modify their mobile phone number.

[0170] Based on the aforementioned inventive concept, the present invention proposes a computer program product, which includes a computer program that, when executed by a processor, implements a method for a bank's customers to modify their mobile phone numbers.

[0171] The present invention proposes a method and apparatus for banks to modify mobile phone numbers. This method analyzes a customer's request to modify their mobile phone number; determines the customer's mobile phone number stored on the bank's server based on the customer's identity information, and uses this number as a second mobile phone number; determines whether the customer is a secure customer; if the customer is secure, determines the correlation index between the first and second mobile phone numbers; and performs risk control on the mobile phone number modification based on the correlation index. The overall solution effectively controls the risk of mobile phone number changes and protects customer information security.

[0172] The acquisition, storage, use, and processing of data in this application all comply with the relevant provisions of national laws and regulations.

[0173] Those skilled in the art will understand that embodiments of the present invention can be provided as methods, apparatus, or computer program products. Therefore, the present invention can take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, the present invention can take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0174] This invention is described with reference to flowchart illustrations and / or block diagrams of methods and computer program products according to embodiments of the invention. It will be understood that each block of the flowchart illustrations and / or block diagrams, and combinations of blocks in the flowchart illustrations and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, special-purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, generate instructions for implementing the flowchart illustrations and / or block diagrams. Figure 1 One or more processes and / or boxes Figure 1 A device that provides the functions specified in one or more boxes.

[0175] These computer program instructions may also be stored in a computer-readable storage medium that can direct a computer or other programmable data processing device to function in a particular manner, such that the instructions stored in the computer-readable storage medium produce an article of manufacture including instruction means, which are implemented in a process Figure 1 One or more processes and / or boxes Figure 1 The function specified in one or more boxes.

[0176] These computer program instructions may also be loaded onto a computer or other programmable data processing equipment to cause a series of operational steps to be performed on the computer or other programmable equipment to produce a computer-implemented process, thereby providing instructions that execute on the computer or other programmable equipment for implementing the process. Figure 1 One or more processes and / or boxes Figure 1 The steps of the function specified in one or more boxes.

[0177] Finally, it should be noted that the above-described embodiments are merely specific implementations of the present invention, used to illustrate the technical solutions of the present invention, and not to limit it. The scope of protection of the present invention is not limited thereto. Although the present invention has been described in detail with reference to the foregoing embodiments, those skilled in the art should understand that any person skilled in the art can still modify or easily conceive of changes to the technical solutions described in the foregoing embodiments within the technical scope disclosed in the present invention, or make equivalent substitutions for some of the technical features; and these modifications, changes, or substitutions do not cause the essence of the corresponding technical solutions to deviate from the spirit and scope of the technical solutions of the embodiments of the present invention, and should all be covered within the scope of protection of the present invention. Therefore, the scope of protection of the present invention should be determined by the scope of the claims.

Claims

1. A method for a bank customer to change their mobile phone number, characterized in that, include: The system obtains the customer's mobile terminal and sends a mobile number modification request to the bank server. The mobile number modification request includes the customer's identity information and a first mobile number. The mobile number modification request is used to modify the customer's mobile number stored on the bank server to the first mobile number. Based on the customer's identity information, determine the customer's mobile phone number stored on the bank's server and use that mobile phone number as a secondary mobile phone number; Determine if the customer is a secure customer; When determining that a customer is a safe customer, determine the correlation indicators between the first mobile phone number and the second mobile phone number; Risk control measures were implemented for this phone number modification based on the correlation indicators between the first and second phone numbers. The indicators used to determine the correlation between the first and second mobile phone numbers include: The bank server sends a request to each customer information system to obtain the associated mobile phone number. The request includes the selected hash function, the first mobile phone number, and the second mobile phone number. For each customer information system, based on the selected hash function, the customer information system uses the hash value of the identity information of each associated mobile number corresponding to the first mobile number stored in the customer information system as the associated mobile fingerprint of the first mobile number corresponding to the customer information system, and uses the hash value of the identity information of each associated mobile number corresponding to the second mobile number stored in the customer information system as the associated mobile fingerprint of the second mobile number corresponding to the customer information system; the association index between the first mobile number and each associated mobile number is used as the association index between the first mobile number and the associated mobile fingerprint of the associated mobile number with respect to the customer information system, and the association index between the second mobile number and each associated mobile number is used as the association index between the second mobile number and the associated mobile fingerprint of the associated mobile number with respect to the customer information system. Each customer information system will send the first mobile number to the associated mobile fingerprint of the customer information system, the association indicators of the first mobile number and each associated mobile fingerprint of the customer information system with respect to the customer information system, the second mobile number to the associated mobile fingerprint of the customer information system, and the association indicators of the second mobile number and each associated mobile fingerprint of the customer information system with respect to the customer information system to the bank server. The bank server determines the multiple associated mobile fingerprints corresponding to this mobile number change based on the associated mobile fingerprints of the first mobile number and the second mobile number. For each associated mobile fingerprint corresponding to this mobile number modification, the association index between the first mobile number and the associated mobile fingerprint is determined based on the association index between the first mobile number and the associated mobile fingerprint in each customer information system, and the association index between the second mobile number and the associated mobile fingerprint is determined based on the association index between the second mobile number and the associated mobile fingerprint in each customer information system. Based on the multiple associated mobile fingerprints corresponding to this mobile number change, the association indicators of the first mobile number and each associated mobile fingerprint corresponding to this mobile number change, and the association indicators of the second mobile number and each associated mobile fingerprint corresponding to this mobile number change, the association indicators between the first mobile number and the second mobile number are determined. Among these measures, risk control measures were implemented for this phone number modification based on the correlation indicators between the first and second phone numbers, including: Based on the correlation indicators between the first and second mobile phone numbers, determine the customer matrix corresponding to this mobile phone number change; Based on the customer matrix corresponding to this mobile number change, the correspondence between the customer matrix pre-stored on the bank server and the risk type, the risk type corresponding to this mobile number change is determined; Based on the risk type corresponding to this mobile phone number change, risk control measures will be implemented for this mobile phone number change.

2. The method as described in claim 1, characterized in that, This also includes identifying secure customers using the following methods: The bank's customers are categorized to obtain multiple customer subsets; Based on the historical transaction data of each customer subset, determine the transaction security matrix corresponding to each customer subset; For each customer subset, the non-zero eigenvalue of the transaction security matrix corresponding to that customer subset is used as the security eigenvalue corresponding to that customer subset. Based on the security feature values ​​corresponding to each customer subset, secure customers are identified.

3. The method as described in claim 2, characterized in that, Based on the historical transaction data of each customer subset, determine the transaction security matrix corresponding to each customer subset, including: For each combination of business channels and business types, the bank server selects the historical transaction data corresponding to each customer subset for that combination from the historical transaction data of each customer subset; For each combination of business channels and business types, the security probability of each customer subset corresponding to the combination is determined based on the historical transaction data of each customer subset corresponding to the combination. Determine the transaction security matrix corresponding to each customer subset, where the rows of the transaction security matrix correspond to the business channels and the columns correspond to the business types. The element value of each element of the transaction security matrix is ​​equal to the security probability of the customer subset corresponding to the combination of the business channel and the business type corresponding to that element. When the number of rows in the transaction security matrix corresponding to the customer subset is equal to the number of columns, the transaction security matrix corresponding to the customer subset is determined as the transaction security matrix corresponding to the customer subset. When the number of rows in the transaction security matrix corresponding to the customer subset is greater than the number of columns, the columns of the transaction security matrix corresponding to the customer subset are padded with zeros according to the difference between the number of rows and the number of columns to obtain a square matrix, and the obtained square matrix is ​​used as the transaction security square matrix corresponding to the customer subset. When the number of rows in the transaction security matrix corresponding to the customer subset is less than the number of columns, the rows of the transaction security matrix corresponding to the customer subset are padded with zeros according to the difference between the number of columns and the number of rows to obtain a square matrix, and the obtained square matrix is ​​used as the transaction security square matrix corresponding to the customer subset.

4. The method as described in claim 1, characterized in that, The bank server determines the multiple associated mobile fingerprints corresponding to this mobile number change based on the associated mobile fingerprints of the first mobile number and the second mobile number in various customer information systems. These include: The union of the associated mobile fingerprints of the first mobile number to each customer information system is taken as the associated mobile fingerprint of the first mobile number, and the union of the associated mobile fingerprints of the second mobile number to each customer information system is taken as the associated mobile fingerprint of the second mobile number. The intersection of the associated mobile fingerprints of the first mobile number and the associated mobile fingerprints of the second mobile number is used as the associated mobile fingerprint for this mobile number modification.

5. The method as described in claim 1, characterized in that, Based on the correlation indicators between the first and second mobile phone numbers, the customer matrix corresponding to this mobile phone number change is determined, including: Retrieve historical mobile number modification data from banks; For each historical mobile number modification data of the bank, determine the correlation indicators corresponding to the mobile number before the modification and the mobile number after the modification, and use the correlation indicators as the correlation indicators corresponding to the historical mobile number modification data. The historical mobile number modification data corresponding to the correlation index of the first mobile number and the second mobile number is used as the historical mobile number modification data corresponding to this mobile number modification. For each historical mobile number modification data corresponding to this mobile number modification, the customer type to which the customer belongs to the mobile number before the modification is the first customer type corresponding to the historical mobile number modification data, and the customer type to which the customer belongs to the mobile number after the modification is the second customer type corresponding to the historical mobile number modification data. Determine the customer matrix corresponding to this mobile number modification, where the rows and columns of the customer matrix correspond to customer types. For each element of the customer matrix, the value of the element is equal to the number of historical mobile number modification data corresponding to this mobile number modification where the first customer type is equal to the customer type corresponding to the row of the element and the second customer type is equal to the customer type corresponding to the column of the element.

6. The method as described in claim 1, characterized in that, This also includes determining the correspondence between the customer matrix and risk types using the following method: Obtain historical mobile number modification data from banks and determine the type of risk involved in such historical mobile number modification data; For each historical mobile number modification data, the customer type to which the customer belongs corresponding to the mobile number before the modification is the first customer type corresponding to the historical mobile number modification data, and the customer type to which the customer belongs corresponding to the mobile number after the modification is the second customer type corresponding to the historical mobile number modification data. For each risk type involved in the historical mobile number modification data, the historical mobile number modification data involving that risk type in the bank's historical mobile number modification data will be used as the historical mobile number modification data corresponding to that risk type. For each risk type involved in the historical mobile number modification data, determine the customer matrix corresponding to the risk type, where the rows and columns of the customer matrix correspond to customer types; for each element of the customer matrix, the value of the element is equal to the number of historical mobile number modification data corresponding to the risk type in the historical mobile number modification data, where the first customer type is equal to the customer type corresponding to the row of the element and the second customer type is equal to the customer type corresponding to the column of the element.

7. A device for a bank customer to change their mobile phone number, characterized in that, include: The request acquisition module is used to acquire the mobile number modification request sent by the customer's mobile terminal to the bank server. The mobile number modification request includes the customer's identity information and a first mobile number. The mobile number modification request is used to modify the customer's mobile number stored on the bank server to the first mobile number. The mobile phone number determination module is used to determine the customer's mobile phone number stored on the bank's server based on the customer's identity information, and to use that mobile phone number as a secondary mobile phone number. The secure customer identification module is used to determine whether a customer is a secure customer. The correlation indicator determination module is used to determine the correlation indicators between the first mobile phone number and the second mobile phone number when the customer is determined to be a safe customer. The risk control module is used to control the risk of this mobile number modification based on the correlation indicators between the first mobile number and the second mobile number. Specifically, the correlation indicator determination module is used for: The bank server sends a request to each customer information system to obtain the associated mobile phone number. The request includes the selected hash function, the first mobile phone number, and the second mobile phone number. For each customer information system, based on the selected hash function, the customer information system uses the hash value of the identity information of each associated mobile number corresponding to the first mobile number stored in the customer information system as the associated mobile fingerprint of the first mobile number corresponding to the customer information system, and uses the hash value of the identity information of each associated mobile number corresponding to the second mobile number stored in the customer information system as the associated mobile fingerprint of the second mobile number corresponding to the customer information system; the association index between the first mobile number and each associated mobile number is used as the association index between the first mobile number and the associated mobile fingerprint of the associated mobile number with respect to the customer information system, and the association index between the second mobile number and each associated mobile number is used as the association index between the second mobile number and the associated mobile fingerprint of the associated mobile number with respect to the customer information system. Each customer information system will send the first mobile number to the associated mobile fingerprint of the customer information system, the association indicators of the first mobile number and each associated mobile fingerprint of the customer information system with respect to the customer information system, the second mobile number to the associated mobile fingerprint of the customer information system, and the association indicators of the second mobile number and each associated mobile fingerprint of the customer information system with respect to the customer information system to the bank server. The bank server determines the multiple associated mobile fingerprints corresponding to this mobile number change based on the associated mobile fingerprints of the first mobile number and the second mobile number. For each associated mobile fingerprint corresponding to this mobile number modification, the association index between the first mobile number and the associated mobile fingerprint is determined based on the association index between the first mobile number and the associated mobile fingerprint in each customer information system, and the association index between the second mobile number and the associated mobile fingerprint is determined based on the association index between the second mobile number and the associated mobile fingerprint in each customer information system. Based on the multiple associated mobile fingerprints corresponding to this mobile number change, the association indicators of the first mobile number and each associated mobile fingerprint corresponding to this mobile number change, and the association indicators of the second mobile number and each associated mobile fingerprint corresponding to this mobile number change, the association indicators between the first mobile number and the second mobile number are determined. Specifically, the risk control module is used for: Based on the correlation indicators between the first and second mobile phone numbers, determine the customer matrix corresponding to this mobile phone number change; Based on the customer matrix corresponding to this mobile number change, the correspondence between the customer matrix pre-stored on the bank server and the risk type, the risk type corresponding to this mobile number change is determined; Based on the risk type corresponding to this mobile phone number change, risk control measures will be implemented for this mobile phone number change.

8. The apparatus as claimed in claim 7, characterized in that, The secure client identification module is used to determine secure clients using the following methods: The bank's customers are categorized to obtain multiple customer subsets; Based on the historical transaction data of each customer subset, determine the transaction security matrix corresponding to each customer subset; For each customer subset, the non-zero eigenvalue of the transaction security matrix corresponding to that customer subset is used as the security eigenvalue corresponding to that customer subset. Based on the security feature values ​​corresponding to each customer subset, secure customers are identified.

9. The apparatus as claimed in claim 8, characterized in that, The secure client assessment module is specifically used for: For each combination of business channels and business types, the bank server selects the historical transaction data corresponding to each customer subset for that combination from the historical transaction data of each customer subset; For each combination of business channels and business types, the security probability of each customer subset corresponding to the combination is determined based on the historical transaction data of each customer subset corresponding to the combination. Determine the transaction security matrix corresponding to each customer subset, where the rows of the transaction security matrix correspond to the business channels and the columns correspond to the business types. The element value of each element of the transaction security matrix is ​​equal to the security probability of the customer subset corresponding to the combination of the business channel and the business type corresponding to that element. When the number of rows in the transaction security matrix corresponding to the customer subset is equal to the number of columns, the transaction security matrix corresponding to the customer subset is determined as the transaction security matrix corresponding to the customer subset. When the number of rows in the transaction security matrix corresponding to the customer subset is greater than the number of columns, the columns of the transaction security matrix corresponding to the customer subset are padded with zeros according to the difference between the number of rows and the number of columns to obtain a square matrix, and the obtained square matrix is ​​used as the transaction security square matrix corresponding to the customer subset. When the number of rows in the transaction security matrix corresponding to the customer subset is less than the number of columns, the rows of the transaction security matrix corresponding to the customer subset are padded with zeros according to the difference between the number of columns and the number of rows to obtain a square matrix, and the obtained square matrix is ​​used as the transaction security square matrix corresponding to the customer subset.

10. The apparatus as claimed in claim 7, characterized in that, The correlation indicator determination module is specifically used for: The union of the associated mobile fingerprints of the first mobile number to each customer information system is taken as the associated mobile fingerprint of the first mobile number, and the union of the associated mobile fingerprints of the second mobile number to each customer information system is taken as the associated mobile fingerprint of the second mobile number. The intersection of the associated mobile fingerprints of the first mobile number and the associated mobile fingerprints of the second mobile number is used as the associated mobile fingerprint for this mobile number modification.

11. The apparatus as claimed in claim 7, characterized in that, The risk control module is specifically used for: Retrieve historical mobile number modification data from banks; For each historical mobile number modification data of the bank, determine the correlation indicators corresponding to the mobile number before the modification and the mobile number after the modification, and use the correlation indicators as the correlation indicators corresponding to the historical mobile number modification data. The historical mobile number modification data corresponding to the correlation index of the first mobile number and the second mobile number is used as the historical mobile number modification data corresponding to this mobile number modification. For each historical mobile number modification data corresponding to this mobile number modification, the customer type to which the customer belongs to the mobile number before the modification is the first customer type corresponding to the historical mobile number modification data, and the customer type to which the customer belongs to the mobile number after the modification is the second customer type corresponding to the historical mobile number modification data. Determine the customer matrix corresponding to this mobile number modification, where the rows and columns of the customer matrix correspond to customer types. For each element of the customer matrix, the value of the element is equal to the number of historical mobile number modification data corresponding to this mobile number modification where the first customer type is equal to the customer type corresponding to the row of the element and the second customer type is equal to the customer type corresponding to the column of the element.

12. The apparatus as claimed in claim 7, characterized in that, The risk control module is also used to determine the correspondence between the customer matrix and risk types using the following method: Obtain historical mobile number modification data from banks and determine the type of risk involved in such historical mobile number modification data; For each historical mobile number modification data, the customer type to which the customer belongs corresponding to the mobile number before the modification is the first customer type corresponding to the historical mobile number modification data, and the customer type to which the customer belongs corresponding to the mobile number after the modification is the second customer type corresponding to the historical mobile number modification data. For each risk type involved in the historical mobile number modification data, the historical mobile number modification data involving that risk type in the bank's historical mobile number modification data will be used as the historical mobile number modification data corresponding to that risk type. For each risk type involved in the historical mobile number modification data, determine the customer matrix corresponding to the risk type, where the rows and columns of the customer matrix correspond to customer types; for each element of the customer matrix, the value of the element is equal to the number of historical mobile number modification data corresponding to the risk type in the historical mobile number modification data, where the first customer type is equal to the customer type corresponding to the row of the element and the second customer type is equal to the customer type corresponding to the column of the element.

13. A computer device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, characterized in that, When the processor executes the computer program, it implements the method of any one of claims 1 to 6.

14. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores a computer program that, when executed by a processor, implements the method of any one of claims 1 to 6.

15. A computer program product, characterized in that, The computer program product includes a computer program that, when executed by a processor, implements the method of any one of claims 1 to 6.

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