Request response method and device, electronic equipment and storage medium

Abstract

The invention provides a request response method and device, electronic equipment and a storage medium, and can be applied to the technical field of big data and the field of financial science and technology. The method comprises the following steps: in response to a received transaction service request of a target object, obtaining to-be-transacted information and an identifier of the target object; querying transaction record information of a plurality of candidate objects associated with the target object in a predetermined time period according to the identifier of the target object; analyzing the transaction record information of the plurality of candidate objects, and obtaining a target associated object from the plurality of candidate objects; and in response to authorization passing information received from the target associated object, executing a processing operation for the to-be-transacted information.

Description

Technical Field

[0001] The present disclosure relates to the fields of big data technology and financial technology, and in particular to a request response method, device, electronic device, medium, and program product. Background Art

[0002] In the information age, where smart devices are widely used in transactions, ensuring the security of transaction information is becoming increasingly important. This is especially true for individuals whose transaction information is less recognizable. This can be enhanced by having their guardians authorize transactions on their behalf.

[0003] However, in related technologies, the group of people usually designate the authorizer themselves. However, when the designated authorizer changes, the transaction may be interrupted due to the inability to change the authorizer information in the smart terminal in a timely manner. Summary of the Invention

[0004] In view of the above problems, the present disclosure provides a request response method, apparatus, electronic device, medium, and program product.

[0005] According to a first aspect of the present disclosure, a request-response method is provided, comprising: in response to receiving a transaction service request from a target object, obtaining information to be traded and an identifier of the target object; based on the identifier of the target object, querying transaction record information of multiple candidate objects associated with the target object within a predetermined time period; analyzing the transaction record information of the multiple candidate objects to obtain a target-associated object from the multiple candidate objects; and in response to receiving authorization approval information from the target-associated object, executing a processing operation on the information to be traded.

[0006] According to an embodiment of the present disclosure, transaction record information of multiple candidate objects is analyzed to obtain target-related objects from the multiple candidate objects, including: for each candidate object, analyzing the transaction record information to obtain the correlation between the candidate object and the target object; and obtaining the target-related object from the multiple candidate objects based on the correlation.

[0007] According to an embodiment of the present disclosure, transaction record information is analyzed to obtain the degree of association between candidate objects and target objects, including: extracting target transaction records related to the target object from the transaction record information; clustering the target transaction records according to predetermined transaction types to obtain the importance of the predetermined transaction types; and obtaining the degree of association between the candidate objects and the target object based on the importance.

[0008] According to an embodiment of the present disclosure, target transaction records are clustered according to predetermined transaction types to obtain the importance of the predetermined transaction types, including: extracting target fields from the target transaction records according to the predetermined transaction types; and obtaining the importance of the predetermined transaction types based on the number of occurrences of the target fields in the target transaction records and the number of occurrences of each field in the target transaction records.

[0009] According to an embodiment of the present disclosure, the predetermined transaction types may include multiple, and the importance may include multiple; according to the importance, the association between the candidate object and the target object is obtained, including: determining multiple importance weights of the multiple predetermined transaction types; and obtaining the association based on the multiple importance weights and the multiple importances.

[0010] According to an embodiment of the present disclosure, the request response method further includes: encrypting the transaction information and the identifier of the target account to generate information to be authorized; and sending the information to be authorized to the target associated object.

[0011] According to an embodiment of the present disclosure, the request response method further includes: determining an encryption level according to the degree of association between the target associated object and the target object; and determining a target encryption algorithm for generating information to be authorized based on the encryption level.

[0012] A second aspect of the present disclosure provides a request response device, comprising: an acquisition module for acquiring, in response to receiving a transaction service request from a target object, information to be traded and an identifier of the target object; a query module for querying, based on the identifier of the target object, transaction record information of multiple candidate objects associated with the target object within a predetermined time period; an analysis module for analyzing the transaction record information of the multiple candidate objects and obtaining a target-associated object from the multiple candidate objects; and a processing module for executing a processing operation on the information to be traded in response to receiving authorization approval information from the target-associated object.

[0013] A third aspect of the present disclosure provides an electronic device, comprising: one or more processors; and a memory for storing one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors execute the above method.

[0014] A fourth aspect of the present disclosure further provides a computer-readable storage medium having executable instructions stored thereon, which, when executed by a processor, causes the processor to execute the above method.

[0015] The fifth aspect of the present disclosure further provides a computer program product, comprising a computer program, which implements the above method when executed by a processor.

[0016] The request response method, apparatus, electronic device, medium, and program product provided herein determine an authorizable target-associated object from among multiple candidate objects based on transaction record information associated with the target object. This improves the accuracy of determining the target-associated object, allowing the target-associated object to be authorized for transactions, thus avoiding transaction interruptions. Furthermore, because authorization is performed on the correct target-associated object, it avoids initiating authorization requests for inaccurate objects, which could result in losses to the target object, thereby improving security. BRIEF DESCRIPTION OF THE DRAWINGS

[0017] The above contents and other objects, features and advantages of the present disclosure will become more apparent through the following description of the embodiments of the present disclosure with reference to the accompanying drawings, in which:

[0018] Figure 1 Schematically shows an application scenario diagram of the request response method according to an embodiment of the present disclosure;

[0019] Figure 2 The following schematically shows a flow chart of a request response method according to an embodiment of the present disclosure;

[0020] Figure 3 A schematic diagram schematically illustrates the sorting of transaction record information of candidate objects according to an embodiment of the present disclosure;

[0021] Figure 4 The following schematically illustrates a schematic diagram of sorting the association degrees according to an embodiment of the present disclosure;

[0022] Figure 5 Schematically shows a structural block diagram of a request response device according to an embodiment of the present disclosure; and

[0023] Figure 6 A block diagram of an electronic device suitable for implementing the request response method according to an embodiment of the present disclosure is schematically shown. DETAILED DESCRIPTION

[0024] 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 detailed description below, for ease of explanation, many specific details are set forth to provide a comprehensive understanding of the embodiments of the present disclosure. However, it is apparent that one or more embodiments may also be implemented without these specific details. In addition, in the following description, descriptions of well-known structures and technologies are omitted to avoid unnecessary confusion of the concepts of the present disclosure.

[0025] The terms used herein are only for describing specific embodiments and are not intended to limit the present disclosure. The terms "comprise," "include," etc. used herein indicate the presence of the features, steps, operations, and / or components, but do not exclude the presence or addition of one or more other features, steps, operations, or components.

[0026] 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.

[0027] When expressions such as "at least one of A, B and C, etc." are used, they should generally be interpreted in accordance with the meaning of the expression 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 A alone, B alone, C alone, A and B, A and C, B and C, and / or A, B, C, etc.).

[0028] In the technical solutions disclosed herein, the collection, storage, use, processing, transmission, provision, disclosure and application of the data involved (including but not limited to user personal information) comply with the provisions of relevant laws and regulations, take necessary confidentiality measures, and do not violate public order and good morals.

[0029] For those who find it difficult to complete transactions independently using a terminal device, relatives can assist them in conducting transactions to ensure smooth and secure transactions. This can include elderly individuals. For example, if an elderly person uses a terminal device to conduct a transaction, they can authorize a relative to execute the transaction. If the authorized person designated by the elderly person no longer cares for them and they fail to update the authorized person in a timely manner, the transaction initiated by the elderly person will be terminated.

[0030] In light of this, the inventors discovered that a target associated person can be identified from candidate persons associated with the elderly person based on transaction records. This can then be authorized to assist the elderly person in processing transactions, thereby preventing transaction interruptions. Furthermore, because the target associated person has a high degree of association with the elderly person, this ensures that the elderly person is not exposed to risks associated with the authorized person, thereby improving transaction security.

[0031] Specifically, an embodiment of the present disclosure provides a request-response method, comprising: in response to receiving a transaction service request from a target object, obtaining information to be traded and an identifier of the target object; based on the identifier of the target object, querying transaction record information of multiple candidate objects associated with the target object within a predetermined time period; analyzing the transaction record information of the multiple candidate objects, and obtaining a target-associated object from the multiple candidate objects; and in response to receiving authorization approval information from the target-associated object, executing processing operations on the information to be traded.

[0032] Figure 1 The application scenario diagram of the request response method according to an embodiment of the present disclosure is schematically shown.

[0033] like Figure 1 As shown, the application scenario 100 according to this embodiment may include a first terminal device 101, a second terminal device 102, a third terminal device 103, a network 104, and a server 105. The network 104 is used as a medium for providing a communication link between the first terminal device 101, the second terminal device 102, the third terminal device 103, and the server 105. The network 104 may include various connection types, such as wired or wireless communication links or optical fiber cables.

[0034] The user may use at least one of the first terminal device 101, the second terminal device 102, and the third terminal device 103 to interact with the server 105 via the network 104 to receive or send messages, etc. Various communication client applications may be installed on the first terminal device 101, the second terminal device 102, and the third terminal device 103, such as shopping applications, web browser applications, search applications, instant messaging tools, email clients, social platform software, etc. (only as examples).

[0035] The first terminal device 101 , the second terminal device 102 , and the third terminal device 103 may be various electronic devices having display screens and supporting web browsing, including but not limited to smart phones, tablet computers, laptop computers, desktop computers, and the like.

[0036] The server 105 may be a server that provides various services, such as a background management server (for example only) that supports websites browsed by users using the first terminal device 101, the second terminal device 102, and the third terminal device 103. The background management server may analyze and process received user requests and other data, and feed back processing results (e.g., web pages, information, or data obtained or generated according to user requests) to the terminal devices.

[0037] It should be noted that the request response method provided in the embodiment of the present disclosure can generally be executed by the server 105. Accordingly, the request response device provided in the embodiment of the present disclosure can generally be set in the server 105. The request response method provided in the embodiment of the present disclosure can also be executed by a server or server cluster that is different from the server 105 and can communicate with the first terminal device 101, the second terminal device 102, the third terminal device 103 and / or the server 105. Accordingly, the request response device provided in the embodiment of the present disclosure can also be set in a server or server cluster that is different from the server 105 and can communicate with the first terminal device 101, the second terminal device 102, the third terminal device 103 and / or the server 105.

[0038] It should be understood that Figure 1 The number of terminal devices, networks and servers in the embodiment is merely illustrative. Any number of terminal devices, networks and servers may be provided as required.

[0039] The following will be based on Figure 1 The scene described by Figures 2 to 4 The request response method of the disclosed embodiment is described in detail.

[0040] Figure 2 The flowchart of the request response method according to an embodiment of the present disclosure is schematically shown.

[0041] like Figure 2 As shown, the request response method of this embodiment includes operations S210 to S240.

[0042] In operation S210 , in response to receiving a transaction service request from a target object, information to be traded and an identifier of the target object are acquired.

[0043] In operation S220 , transaction record information of a plurality of candidate objects associated with the target object within a predetermined period is retrieved according to the identifier of the target object.

[0044] In operation S230 , the transaction record information of the plurality of candidate objects is analyzed, and a target associated object is obtained from the plurality of candidate objects.

[0045] In operation S240 , in response to receiving the authorization approval information from the target associated object, a processing operation is performed on the pending transaction information.

[0046] According to an embodiment of the present disclosure, a transaction service request may be a request initiated by a target object to process pending transaction information. The pending transaction information may include at least one of transaction identification information, transaction amount information, and transaction type information of the pending transaction, but is not limited thereto.

[0047] According to an embodiment of the present disclosure, the identifier of the target object may include at least one of a name identifier of the target object and a communication identifier of the target object, but is not limited thereto. The identifier of the target object may be used to query transaction record information of multiple candidate objects associated with the target object within a predetermined period.

[0048] According to embodiments of the present disclosure, transaction record information may include transaction time information and transaction identification information. Transaction record information within a predetermined time period may be transaction record information whose transaction time information falls within the predetermined time period. The transaction record information may be used to determine a target associated object from multiple candidate objects. The target associated object may be an object authorized to process the pending transaction information. Authorization verification may be performed on the target associated object, thereby enabling processing operations on the pending transaction information to be executed upon receiving authorization approval information from the target associated object.

[0049] According to an embodiment of the present disclosure, the transaction service request may be parsed to obtain fields corresponding to the information to be traded and fields corresponding to the identifier of the target object included in the transaction service request.

[0050] According to an embodiment of the present disclosure, multiple candidate objects having an association relationship with the target object can be determined based on the identifier of the target object, wherein the association relationship between the target object and the candidate objects can be predetermined. Transaction record information for each of the multiple candidate objects can then be retrieved from a database corresponding to each of the multiple candidate objects.

[0051] According to an embodiment of the present disclosure, the number of occurrences of the target object identifier can be determined from the transaction record information of each of the multiple candidate objects. The multiple candidate objects can then be sorted based on the number of occurrences of the target object identifier to obtain a sorting result. The target associated object can then be determined from the multiple candidate objects based on the sorting result. The target associated object can be the candidate object ranked first in the sorting.

[0052] Figure 3 The following schematically illustrates a method for sorting transaction record information of candidate objects according to an embodiment of the present disclosure.

[0053] like Figure 3As shown, the transaction record information 310 to be sorted may sequentially include transaction record information 311 of candidate object A, transaction record information 312 of candidate object B, and transaction record information 313 of candidate object C. These transaction record information may be sorted based on the number of occurrences of the target object identifiers in the transaction record information, thereby obtaining sorted transaction record information 320. The sorted transaction record information 320 may sequentially include transaction record information 313 of candidate object C, transaction record information 311 of candidate object A, and transaction record information 312 of candidate object B. The ranking of transaction record information 313 of candidate object C may be 1, the ranking of transaction record information 311 of candidate object A may be 2, and the ranking of transaction record information 312 of candidate object B may be 3.

[0054] According to an embodiment of the present disclosure, upon receiving authorization approval information from a target associated object, executing a transaction operation corresponding to the pending transaction information may include: sending the pending transaction information to the target associated object, so that the target associated object processes the pending transaction according to the pending transaction information.

[0055] According to the embodiments of the present disclosure, since the authorized target-associated object is determined from the candidate objects based on the transaction record information of multiple candidate objects associated with the target object, the accuracy of the target-associated object determination is improved, and the target-associated object can be authorized to conduct transactions, avoiding transaction interruptions. Furthermore, since the authorization is performed on the accurate target-associated object, the situation where authorization requests are initiated for inaccurate objects, resulting in losses to the target object, is avoided, thereby improving security.

[0056] According to an embodiment of the present disclosure, when a transaction operation corresponding to pending transaction information is executed, a transaction record instruction may be sent to a database corresponding to a target associated object to record the pending transaction information.

[0057] According to an embodiment of the present disclosure, analyzing transaction record information of multiple candidate objects and obtaining target associated objects from the multiple candidate objects includes: analyzing the transaction record information for each candidate object to obtain a correlation between the candidate object and the target object; and obtaining the target associated object from the multiple candidate objects based on the correlation.

[0058] According to embodiments of the present disclosure, transaction record information can be analyzed to determine the number of times a target object's identifier appears in the transaction record information. Based on this number of occurrences, the degree of association between the candidate object and the target object can be determined. The higher the number of occurrences, the higher the degree of association between the candidate object and the target object.

[0059] According to an embodiment of the present disclosure, multiple candidate objects may be sorted according to their relevance to obtain a sorting result, and then a target associated object may be determined from the multiple candidate objects based on the sorting result. The target associated object may be the candidate object ranked first in the sorting.

[0060] Figure 4 The figure schematically shows a schematic diagram of sorting the relevance according to an embodiment of the present disclosure.

[0061] like Figure 4 As shown, the relevance degrees 410 to be sorted may sequentially include the relevance degree 411 of candidate object D, the relevance degree 412 of candidate object E, and the relevance degree 413 of candidate object F. These relevance degrees may be sorted, thereby obtaining sorted relevance degrees 420. The sorted relevance degrees 420 may sequentially include the relevance degree 413 of candidate object F, the relevance degree 412 of candidate object E, and the relevance degree 411 of candidate object D. The relevance degree 413 of candidate object F may be ranked 1, the relevance degree 412 of candidate object E may be ranked 2, and the relevance degree 411 of candidate object D may be ranked 3.

[0062] According to the embodiments of the present disclosure, by analyzing transaction record information to obtain the degree of association between candidate objects and the target object, the target-associated object most closely associated with the target object can be accurately determined based on the degree of association. Furthermore, by authorizing the accurate target-associated object, the situation where authorization is granted to an object with a low degree of association, which could cause losses to the target object, is avoided, thereby improving security.

[0063] According to an embodiment of the present disclosure, analyzing transaction record information to obtain a correlation between a candidate object and a target object includes: extracting target transaction records related to the target object from the transaction record information; clustering the target transaction records according to predetermined transaction types to obtain an importance of the predetermined transaction types; and obtaining a correlation between the candidate object and the target object based on the importance.

[0064] According to an embodiment of the present disclosure, the target transaction record related to the target object may be a transaction record including an identifier of the target object.

[0065] According to an embodiment of the present disclosure, predetermined transaction types may include medical, daily necessities, financial management, transportation, and food. Medical transactions may include the purchase of medical drugs, etc. Daily necessities transactions may include the purchase of cleaning supplies, etc. Financial management transactions may include the purchase of financial products, etc. Transportation transactions may include payment transactions corresponding to public transportation, etc. Food transactions may include ordering food, etc.

[0066] According to embodiments of the present disclosure, the importance of a predetermined transaction type can be determined based on target transaction records corresponding to the predetermined transaction type. For example, it can be determined based on the number of occurrences of the target object identifier in the target transaction records corresponding to the predetermined transaction type. The higher the number of occurrences of the target object identifier, the higher the importance of the predetermined transaction type. A higher importance indicates a higher association between the candidate object and the target object.

[0067] According to an embodiment of the present disclosure, the target transaction records corresponding to the predetermined transaction type include target transaction records corresponding to the medical type, target transaction records corresponding to the daily necessities type, target transaction records corresponding to the financial management type, target transaction records corresponding to the transportation type, target transaction records corresponding to the diet type, etc.

[0068] According to an embodiment of the present disclosure, by identifying the content in the transaction record information, a target transaction record whose content includes an identifier of a target object may be determined.

[0069] According to an embodiment of the present disclosure, a clustering algorithm may be used to cluster target transaction records. The clustering algorithm may include an OPTICS (Ordering Points To Identify The Clustering Structure) algorithm, a DBSCAN (Density-Based Spatial Clustering of Applications with Noise) algorithm, and a BIRCH (Balanced Iterative Reducing and Clustering using Hierarchies) algorithm.

[0070] According to an embodiment of the present disclosure, the importance of a predetermined transaction type can be determined based on the number of target transaction records corresponding to the predetermined transaction type. For example, the target transaction records corresponding to the medical type may be 8, the target transaction records corresponding to the daily necessities type may be 17, the target transaction record corresponding to the financial management type may be 1, the target transaction records corresponding to the transportation type may be 4, and the target transaction records corresponding to the food type may be 20. The total number of target transaction records may be 50, based on which the importance of the medical type is 16%, the importance of the daily necessities type is 34%, the importance of the financial management type is 2%, the importance of the transportation type is 8%, and the importance of the food type is 40%.

[0071] The highest importance can be determined as the relevance between the candidate object and the target object. For example, if the highest importance among the plurality of importances is 40%, the relevance between the candidate object and the target object can be determined to be 40%.

[0072] According to an embodiment of the present disclosure, by clustering target transaction records related to a target object, the importance of a predetermined transaction type is obtained, thereby accurately determining the association between a candidate object and a target object according to the importance of the predetermined transaction type.

[0073] According to an embodiment of the present disclosure, clustering target transaction records according to predetermined transaction types to obtain the importance of the predetermined transaction types includes: extracting target fields from the target transaction records according to the predetermined transaction types; and obtaining the importance of the predetermined transaction types based on the number of occurrences of the target fields in the target transaction records and the number of occurrences of each field in the target transaction records.

[0074] According to an embodiment of the present disclosure, the target field may include a field describing medical products, a field describing daily necessities, a field describing financial products, a field describing transportation, or a field describing food, etc.

[0075] The field describing a medical product may include at least one of the name identification of the medical product and the institutional identification of the institution to which the medical product belongs, and is not limited thereto. The field describing daily necessities may include at least one of the name identification of the daily necessities and the institutional identification of the institution to which the daily necessities belong, and is not limited thereto. The field describing a financial product may include at least one of the name identification of the financial product and the institutional identification of the institution to which the financial product belongs, and is not limited thereto. The field describing a vehicle may include at least one of the type identification of the vehicle and the institutional identification of the institution to which the vehicle belongs, and is not limited thereto. The field describing food may include at least one of the name identification of the food and the institutional identification of the institution to which the food belongs, and is not limited thereto.

[0076] According to an embodiment of the present disclosure, the number of occurrences of the target field in the target transaction record may include at least one of the number of occurrences of the field describing medical products, the number of occurrences of the field describing daily necessities, the number of occurrences of the field describing financial products, the number of occurrences of the field describing transportation, and the number of occurrences of the field describing food.

[0077] According to an embodiment of the present disclosure, a pre-stored field corresponding to a predetermined transaction type can be matched with a field in a target transaction record to determine a target field in the target transaction record. The pre-stored field can include a pre-stored medical product field, a pre-stored daily necessities field, a pre-stored financial product field, a pre-stored transportation field, or a pre-stored food field.

[0078] The pre-stored medical product field may include at least one of a pre-stored name identifier for the medical product and a pre-stored institution identifier for the institution to which the medical product belongs. The pre-stored daily necessities field may include at least one of a pre-stored name identifier for the daily necessities and a pre-stored institution identifier for the institution to which the daily necessities belong. The pre-stored financial product field may include at least one of a pre-stored name identifier for the financial product and a pre-stored institution identifier for the institution to which the financial product belongs. The pre-stored vehicle field may include at least one of a pre-stored type identifier for the vehicle and a pre-stored institution identifier for the institution to which the vehicle belongs. The pre-stored food field may include at least one of a pre-stored name identifier for the food and an institution identifier for the institution to which the food belongs.

[0079] According to an embodiment of the present disclosure, the importance of a predetermined transaction type is obtained based on the number of occurrences of a target field in a target transaction record and the number of occurrences of each field in the target transaction record. For example, the number of occurrences of a field describing medical products may be 5, the number of occurrences of a field describing daily necessities may be 17, the number of occurrences of a field describing financial products may be 2, the number of occurrences of a field describing transportation may be 8, and the number of occurrences of a field describing food may be 13. The sum of the number of occurrences of each field in the target transaction record may be 100. Therefore, the importance of the medical type is 5 / 100 = 5%, the importance of the daily necessities type is 17 / 100 = 5%, the importance of the financial type is 2 / 100 = 2%, the importance of the transportation type is 8 / 100 = 8%, and the importance of the food type is 13 / 100 = 13%.

[0080] According to an embodiment of the present disclosure, the importance of the predetermined transaction type can be accurately determined by the number of occurrences of the target field corresponding to the predetermined transaction type and the number of occurrences of each field in the target transaction record.

[0081] According to an embodiment of the present disclosure, the predetermined transaction types may include multiple types, and the importance levels may include multiple types. Determining the association between the candidate object and the target object based on the importance levels includes determining multiple importance weights for the multiple predetermined transaction types, and determining the association level based on the multiple importance weights and the multiple importance levels.

[0082] According to an embodiment of the present disclosure, the importance weight can be predetermined based on the predetermined transaction type. For example, the importance weight of the medical type can be 35%, the importance weight of the daily necessities type can be 25%, the importance weight of the financial management type can be 5%, the importance weight of the transportation type can be 10%, and the importance weight of the food type can be 25%.

[0083] The importance of medical care can be 5%, the importance of daily necessities can be 5%, the importance of finance can be 2%, the importance of transportation can be 8%, and the importance of food can be 13%. Therefore, the correlation can be 35% * 5% + 25% * 5% + 5% * 2% + 10% * 8% + 25% * 13% = 130.9%.

[0084] According to an embodiment of the present disclosure, by setting different importance weights according to different scheduled transaction types, the proportion of more important scheduled transaction types in the correlation calculation process can be increased, thereby improving the accuracy of the correlation.

[0085] According to an embodiment of the present disclosure, the request response method further includes: encrypting the transaction information and the identifier of the target account to generate information to be authorized, and sending the information to be authorized to the target associated object.

[0086] According to an embodiment of the present disclosure, the information to be authorized can be used to authorize the target associated object to process the information to be traded. The transaction funds required to process the information to be traded can be stored in the target account.

[0087] According to an embodiment of the present disclosure, an encryption algorithm may be used to encrypt the transaction information and the identifier of the target account to generate information to be authorized.

[0088] According to an embodiment of the present disclosure, a predetermined security question and information to be authorized may be sent to a target associated object, whereby the target associated object may be authorized if the target associated object gives a correct answer to the security question. The security question may be related to the target object.

[0089] The address information of the target associated object can be obtained, and then the predetermined security question and authorization information can be sent to the target associated object according to the address information.

[0090] According to an embodiment of the present disclosure, when the target associated object receives the information to be authorized, it can reinforce the information to be authorized to the application used to execute the transaction, and then perform security verification through the application. Thus, when the target associated object passes the security verification, the target associated object is authorized to process the information to be traded, and can receive authorization pass information from the target associated object.

[0091] According to an embodiment of the present disclosure, processing the pending transaction information by the target associated object may include: the target associated object using the application for executing the transaction to call the transaction funds in the target account to perform the transaction.

[0092] According to an embodiment of the present disclosure, by encrypting the transaction information and the identifier of the target account to be processed, information to be authorized is generated. Thus, the encrypted information to be authorized can be used to authorize the target associated object, thereby improving the security of authorization.

[0093] According to an embodiment of the present disclosure, the request response method further includes: determining an encryption level according to the degree of association between the target associated object and the target object, and determining a target encryption algorithm for generating the information to be authorized based on the encryption level.

[0094] According to an embodiment of the present disclosure, encryption levels may include level one, level two, and level three. When the degree of association between the target associated object and the target object is less than or equal to a first predetermined threshold, the encryption level may be determined to be level three; when the degree of association between the target associated object and the target object is greater than the first predetermined threshold and less than or equal to a second predetermined threshold, the encryption level may be determined to be level two; when the degree of association between the target associated object and the target object is greater than the second predetermined threshold and less than or equal to a third predetermined threshold, the encryption level may be determined to be level one. The first predetermined threshold is less than the second predetermined threshold and less than the third predetermined threshold. The first predetermined threshold, the second predetermined threshold, and the third predetermined threshold may all be set as required, and the present disclosure does not limit this.

[0095] The levels of the predetermined security questions may include level 1, level 2, and level 3, etc. Level 3 security questions are more difficult than level 2 security questions, and level 2 security questions are more difficult than level 1 security questions.

[0096] According to embodiments of the present disclosure, encryption algorithms may include SHA (Secure Hash Algorithm) 256, SHA1, and MD5 (Message-Digest) 5 encryption algorithms. Among the three encryption algorithms mentioned above, information encrypted with SHA256 has the lowest probability of being brute-forced and the highest security level. Information encrypted with SHA1 has a higher probability of being brute-forced than SHA256 but lower than the MD5 encryption algorithm, and has an average security level. Information encrypted with SHA1 has the highest probability of being brute-forced and the lowest security level. Brute-force attacks can be performed by permuting and combining all possible characters that could be the information to be authorized to determine the information to be authorized.

[0097] Based on this, when the degree of association between the target associated object and the target object is less than or equal to the first predetermined threshold, SHA256 can be determined as the target encryption algorithm; when the degree of association between the target associated object and the target object is greater than the first predetermined threshold and less than or equal to the second predetermined threshold, SHA1 can be determined as the target encryption algorithm; when the degree of association between the target associated object and the target object is greater than the second predetermined threshold and less than or equal to the third predetermined threshold, MD5 can be determined as the target encryption algorithm.

[0098] Moreover, when the encryption level is level three, the third-level encryption question of the information to be authorized encrypted by SHA256 can be sent to the target associated object; when the encryption level is level two, the second-level encryption question of the information to be authorized encrypted by SHA1 can be sent to the target associated object; when the encryption level is level one, the first-level encryption question of the information to be authorized encrypted by MD5 can be sent to the target associated object.

[0099] According to an embodiment of the present disclosure, if a target associated object fails security verification, a candidate object with a lower degree of association than the target object can be re-determined as a new target associated object. Thus, based on the degree of association corresponding to the new target object, a security issue of the level corresponding to the new target object can be determined, and then new authorization information and a security issue of the level corresponding to the new target object can be sent to the new target object.

[0100] According to the embodiments of the present disclosure, since the target encryption algorithm for generating the information to be authorized is determined according to the encryption level corresponding to the degree of association, the flexibility of encrypting the information to be authorized is improved.

[0101] Based on the above request response method, the present disclosure also provides a request response device. Figure 5 The device is described in detail.

[0102] Figure 5 The following schematically shows a structural block diagram of a request response device according to an embodiment of the present disclosure.

[0103] like Figure 5 As shown, the request response device 500 of this embodiment includes an acquisition module 510 , a query module 520 , an analysis module 530 and a processing module 540 .

[0104] The acquisition module 510 is used to obtain the transaction information and the identifier of the target object in response to receiving the transaction service request of the target object. In one embodiment, the acquisition module 510 can be used to perform the operation S210 described above, which will not be repeated here.

[0105] The query module 520 is used to query transaction record information of multiple candidate objects associated with the target object within a predetermined period according to the identifier of the target object. In one embodiment, the query module 520 can be used to perform the operation S220 described above, which will not be repeated here.

[0106] The analysis module 530 is used to analyze the transaction record information of the multiple candidate objects and obtain the target related object from the multiple candidate objects. In one embodiment, the analysis module 530 can be used to perform the operation S230 described above, which will not be repeated here.

[0107] The processing module 540 is used to execute a processing operation on the pending transaction information in response to receiving the authorization approval information from the target associated object. In one embodiment, the processing module 540 can be used to execute the operation S240 described above, which will not be repeated here.

[0108] According to an embodiment of the present disclosure, the analysis module 530 includes an analysis submodule and an acquisition submodule. The analysis submodule is used to analyze transaction record information for each candidate object to obtain the degree of association between the candidate object and the target object; the acquisition submodule is used to obtain the target associated object from multiple candidate objects based on the degree of association.

[0109] According to an embodiment of the present disclosure, the analysis submodule includes an extraction unit, a clustering unit, and an acquisition unit. The extraction unit is configured to extract target transaction records related to a target object from the transaction record information; the clustering unit is configured to cluster the target transaction records according to predetermined transaction types to determine the importance of the predetermined transaction types; and the acquisition unit is configured to determine the degree of association between the candidate objects and the target object based on the importance.

[0110] According to an embodiment of the present disclosure, the clustering unit includes an extraction subunit and a first acquisition subunit. The extraction subunit is configured to extract a target field from a target transaction record based on a predetermined transaction type, and the first acquisition subunit is configured to obtain the importance of the predetermined transaction type based on the number of occurrences of the target field in the target transaction record and the number of occurrences of each field in the target transaction record.

[0111] According to an embodiment of the present disclosure, the acquisition unit includes a determination subunit and a second acquisition subunit. The determination subunit is used to determine multiple importance weights of multiple predetermined transaction types; the second acquisition subunit is used to obtain the association degree based on the multiple importance weights and the multiple importances.

[0112] According to an embodiment of the present disclosure, the request response device further includes an encryption module and a sending module. The encryption module is used to encrypt the transaction information and the identifier of the target account to generate information to be authorized; the sending module is used to send the information to be authorized to the target associated object.

[0113] According to an embodiment of the present disclosure, the request response device further includes a first determination module and a second determination module. The first determination module is configured to determine an encryption level based on the degree of association between the target associated object and the target object; and the second determination module is configured to determine a target encryption algorithm for generating the information to be authorized based on the encryption level.

[0114] According to an embodiment of the present disclosure, any multiple modules among the acquisition module 510, the query module 520, the analysis module 530, and the processing module 540 can be combined into one module for implementation, or any one of the modules can be split into multiple modules. Alternatively, at least part of the functions of one or more of these modules can be combined with at least part of the functions of other modules and implemented in one module. According to an embodiment of the present disclosure, at least one of the acquisition module 510, the query module 520, the analysis module 530, and the processing module 540 can 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 a chip, a system on a substrate, a system on a package, an application-specific integrated circuit (ASIC), or can be implemented by hardware or firmware in any other reasonable manner of integrating or packaging the circuit, or implemented in any one of the three implementation methods of software, hardware, and firmware, or in an appropriate combination of any of them. Alternatively, at least one of the acquisition module 510, the query module 520, the analysis module 530, and the processing module 540 can be at least partially implemented as a computer program module, which can perform the corresponding function when the computer program module is executed.

[0115] Figure 6 A block diagram of an electronic device suitable for implementing the request response method according to an embodiment of the present disclosure is schematically shown.

[0116] like Figure 6As shown, the electronic device 600 according to an embodiment of the present disclosure includes a processor 601, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 602 or a program loaded from a storage part 608 into a random access memory (RAM) 603. The processor 601 may include, for example, a general-purpose microprocessor (e.g., a CPU), an instruction set processor and / or a related chipset and / or a dedicated microprocessor (e.g., an application-specific integrated circuit (ASIC)), etc. The processor 601 may also include an onboard memory for caching purposes. The processor 601 may include a single processing unit or multiple processing units for executing different actions of the method flow according to an embodiment of the present disclosure.

[0117] Various programs and data required for the operation of the electronic device 600 are stored in the RAM 603. The processor 601, ROM 602, and RAM 603 are connected to each other via a bus 604. The processor 601 executes the various operations of the method flow according to the embodiment of the present disclosure by executing the programs in the ROM 602 and / or RAM 603. It should be noted that the programs may also be stored in one or more memories other than the ROM 602 and RAM 603. The processor 601 may also execute the various operations of the method flow according to the embodiment of the present disclosure by executing the programs stored in the one or more memories.

[0118] According to an embodiment of the present disclosure, electronic device 600 may further include an input / output (I / O) interface 605, which is also connected to bus 604. Electronic device 600 may further include one or more of the following components connected to I / O interface 605: an input section 606 including a keyboard, a mouse, etc.; an output section 607 including devices such as a cathode ray tube (CRT), a liquid crystal display (LCD), and speakers; a storage section 608 including a hard disk; and a communication section 609 including a network interface card such as a LAN card or a modem. Communication section 609 performs communication processing via a network such as the Internet. A drive 610 is also connected to I / O interface 605 as needed. Removable media 611, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed in drive 610 as needed, so that computer programs read from the removable media can be installed into storage section 608 as needed.

[0119] The present disclosure also provides a computer-readable storage medium, which may be included in the device / apparatus / system described in the above embodiments, or may exist independently and not be incorporated into the device / apparatus / system. The computer-readable storage medium carries one or more programs, and when executed, implements the method according to the embodiments of the present disclosure.

[0120] According to an embodiment of the present disclosure, a computer-readable storage medium may be a non-volatile computer-readable storage medium, such as but not limited to: a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination thereof. In the present disclosure, a computer-readable storage medium may be any tangible medium containing or storing a program that can be used by or in combination with an instruction execution system, apparatus, or device. For example, according to an embodiment of the present disclosure, a computer-readable storage medium may include the ROM 602 and / or RAM 603 described above and / or one or more memories other than ROM 602 and RAM 603.

[0121] The embodiments of the present disclosure also include a computer program product, which includes a computer program containing program code for executing the method shown in the flowchart. When the computer program product is run in a computer system, the program code is used to enable the computer system to implement the request response method provided by the embodiments of the present disclosure.

[0122] The computer program executes the above functions defined in the system / device of the embodiment of the present disclosure when the computer program is executed by the processor 601. According to the embodiment of the present disclosure, the system, device, module, unit, etc. described above can be implemented by a computer program module.

[0123] In one embodiment, the computer program may be stored on a tangible storage medium such as an optical storage device or a magnetic storage device. In another embodiment, the computer program may be transmitted and distributed in the form of a signal on a network medium, downloaded and installed via the communication portion 609, and / or installed from a removable medium 611. The program code contained in the computer program may be transmitted using any appropriate network medium, including but not limited to wireless, wired, or any suitable combination thereof.

[0124] In such an embodiment, the computer program can be downloaded and installed from a network via the communication section 609, and / or installed from a removable medium 611. When the computer program is executed by the processor 601, the above-described functions defined in the system of the embodiment of the present disclosure are performed. According to the embodiment of the present disclosure, the systems, devices, means, modules, units, etc. described above can be implemented by computer program modules.

[0125] According to an embodiment of the present disclosure, the program code for executing the computer program provided by the embodiment of the present disclosure can be written in any combination of one or more programming languages. Specifically, these computer programs can 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, languages ​​such as Java, C++, python, "C" or similar programming languages. The program code can 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 can 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 can be connected to an external computing device (for example, using an Internet service provider to connect via the Internet).

[0126] The flowcharts and block diagrams in the accompanying drawings illustrate the possible implementation architecture, functions and operations of the systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each box in the flowchart or block diagram can represent a module, program segment, or a part of code, and the above-mentioned module, program segment, or a part of code 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 box can also occur in an order different from that marked in the accompanying drawings. For example, two boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram or flowchart, and the combination of boxes in the block diagram or flowchart, can be implemented with a dedicated hardware-based system that performs the specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0127] It should be noted that, unless it is explicitly stated that there is a sequence of execution between different operations shown in the flowchart in the embodiments of the present disclosure, or there is a sequence of execution between different operations in technical implementation, otherwise, the execution order between multiple operations may not be prioritized, and multiple operations may also be executed simultaneously.

[0128] Those skilled in the art will appreciate that the features described in the various embodiments and / or claims of this disclosure may be combined and / or coupled in various ways, even if such combinations and / or couplings are not explicitly described in this disclosure. In particular, the features described in the various embodiments and / or claims of this disclosure may be combined and / or coupled in various ways without departing from the spirit and teachings of this disclosure. All such combinations and / or couplings are intended to fall within the scope of this disclosure.

[0129] The embodiments of the present disclosure are described above. However, these embodiments are for illustrative purposes only and are not intended to limit the scope of the present disclosure. Although each embodiment has been described separately above, this does not mean that the measures in each embodiment cannot be used in combination to advantage. 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 may make various substitutions and modifications, which should all fall within the scope of the present disclosure.

Claims

1. A request response method, comprising: In response to receiving a transaction service request from a target object, obtaining information to be traded and an identifier of the target object; According to the identifier of the target object, query the transaction record information of multiple candidate objects associated with the target object within a predetermined period of time; Analyze the transaction record information of the multiple candidate objects, and obtain target related objects from the multiple candidate objects; as well as In response to receiving the authorization approval information from the target associated object, a processing operation on the pending transaction information is performed.

2. The method according to claim 1, wherein: The step of analyzing the transaction record information of the plurality of candidate objects to obtain a target associated object from the plurality of candidate objects includes: For each candidate object, analyzing the transaction record information to obtain the correlation between the candidate object and the target object; and Based on the degree of association, a target associated object is obtained from the multiple candidate objects.

3. The method according to claim 2, wherein: The analyzing the transaction record information to obtain the correlation between the candidate object and the target object includes: Extracting a target transaction record related to the target object from the transaction record information; Clustering the target transaction records according to predetermined transaction types to obtain the importance of the predetermined transaction types; and According to the importance, the association degree between the candidate object and the target object is obtained.

4. The method according to claim 3, wherein: The clustering of the target transaction records according to the predetermined transaction type to obtain the importance of the predetermined transaction type includes: extracting a target field from the target transaction record according to a predetermined transaction type; and The importance of the predetermined transaction type is obtained according to the number of occurrences of the target field in the target transaction record and the number of occurrences of each field in the target transaction record in the target transaction record.

5. The method according to claim 3, wherein: The predetermined transaction type may include multiple types, and the importance may include multiple types; and obtaining the association between the candidate object and the target object according to the importance includes: determining a plurality of importance weights for a plurality of predetermined transaction types; and The degree of association is obtained according to the plurality of importance weights and the plurality of importances.

6. The method according to claim 1, further comprising: Encrypting the pending transaction information and the identifier of the target account to generate pending authorization information; as well as Send the information to be authorized to the target associated object.

7. The method according to claim 6, further comprising: Determining an encryption level according to the degree of association between the target associated object and the target object; as well as Based on the encryption level, a target encryption algorithm for generating information to be authorized is determined.

8. A request response device, comprising: An acquisition module, configured to acquire the transaction information and the identifier of the target object in response to receiving the transaction service request of the target object; A query module, configured to query transaction record information of multiple candidate objects associated with the target object within a predetermined period of time according to the identifier of the target object; An analysis module, configured to analyze the transaction record information of the plurality of candidate objects and obtain a target associated object from the plurality of candidate objects; as well as The processing module is used to execute a processing operation on the pending transaction information in response to receiving authorization approval information from the target associated object.

9. An electronic device, comprising: one or more processors; a storage device for storing one or more programs, When the one or more programs are executed by the one or more processors, the one or more processors are enabled to execute the method according to any one of claims 1 to 7.

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

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