Online transaction processing method and device, server and mobile terminal

Abstract

The embodiment of the invention provides an online transaction processing method and device, a server and a mobile terminal. The method can be used in computer technical field. The method comprises the following steps: acquiring a login request sent by a mobile terminal; wherein the login request is used for logging in the target transaction account. Based on the login request, if it is determined that the login record of the mobile terminal does not include the target transaction account, determining a related index between the mobile terminal and the target transaction account; wherein the related index represents the degree of consistency between the identity information contained in the login record and the target transaction account. According to the related indexes, determining the service type with the access permission of the target transaction account, and sending the service type to the mobile terminal; wherein the service type is used for displaying an online transaction interface under the access permission. The method is used for achieving the effect of improving the safety coefficient of the online transaction account of the user.

Description

Technical Field

[0001] The present application relates to the field of computer technology, and in particular to a method, device, server and mobile terminal for processing online transactions. Background Art

[0002] At present, online transactions are quite common, so it is necessary to ensure the security of users' accounts.

[0003] In the prior art, users usually log in to their own transaction accounts and enter the online transaction page to perform operations such as inquiries and payments.

[0004] However, in the prior art, if the payment password of a transaction account is stolen, it may be used by other people to make payments on other devices, resulting in property loss of the user, and the security of the transaction account cannot be guaranteed. Summary of the invention

[0005] The embodiments of the present application provide a method, device, server and mobile terminal for processing online transactions, so as to achieve the effect of improving the security factor of the user's online transaction account.

[0006] In a first aspect, an embodiment of the present application provides a method for processing an online transaction, which is applied to a preset server; comprising:

[0007] Obtaining a login request sent by a mobile terminal; wherein the login request is used to log in to a target transaction account;

[0008] Based on the login request, if it is determined that the login record of the mobile terminal does not include the target transaction account, determining a correlation index between the mobile terminal and the target transaction account; wherein the correlation index represents the degree of consistency between the identity information included in the login record and the target transaction account;

[0009] According to the relevant indicators, the business category of the target transaction account with access rights is determined, and the business category is sent to the mobile terminal; wherein the business category is used to display an online transaction interface under the access rights.

[0010] In a possible implementation, if it is determined based on the login request that the login record of the mobile terminal does not include the target transaction account, determining a correlation index between the mobile terminal and the target transaction account includes:

[0011] Based on the login request, determining a plurality of historical login accounts corresponding to the mobile terminal;

[0012] According to the plurality of historical login accounts, a correlation index between the mobile terminal and the target transaction account is determined.

[0013] In a possible implementation, determining the correlation index between the mobile terminal and the target transaction account based on the multiple historical login accounts includes:

[0014] If there is a historical login account whose identity information is consistent with the target transaction account among the multiple historical login accounts, then setting the correlation index between the mobile terminal and the target transaction account to a predetermined value, wherein the predetermined value indicates that the identity information of the target transaction account is consistent with the identity information of the historical login account;

[0015] If there is no historical login account with the same identity information as the target trading account among the multiple historical login accounts, the following steps are performed:

[0016] Acquire an account set; wherein the account set includes a plurality of historical accounts and a correlation index between each historical account and a target transaction account; and the correlation index between each historical account and the target transaction account is greater than a preset setting value;

[0017] Taking out an account to be selected from the account set; wherein the correlation index between the account to be selected and the target transaction account is the largest;

[0018] The following steps are executed in a loop until the account set is empty or the account to be selected is a login account among the multiple historical login accounts: multiple related accounts of the account to be selected are obtained; for each related account of the account to be selected, the related index between the account to be selected and the related account is obtained and updated according to the related index between the account to be selected and the related account, and the related index between the account to be selected and the target trading account; when the related index between the updated related account and the target trading account is greater than the set value, the updated related account is inserted into the account set; another account to be selected is taken out from the account set; wherein the related index between the account to be selected and the target trading account is the largest in the account set;

[0019] If it is determined that the retrieved account to be selected is a login account among the multiple historical login accounts, then the correlation index between the retrieved account to be selected and the target transaction account is used as the correlation index between the mobile terminal and the target transaction account;

[0020] If it is determined that the account set is empty, the relevant index between the mobile terminal and the target transaction account is set to a preset index value.

[0021] In a possible implementation manner, determining the business category of the target transaction account with access rights according to the relevant indicator includes:

[0022] If it is determined that the correlation index between the mobile terminal and the target transaction account is the predetermined value, all business types corresponding to the target transaction account are used as business categories with access rights for the target transaction account;

[0023] If it is determined that the correlation index between the mobile terminal and the target transaction account is not equal to the predetermined value, the following steps are performed:

[0024] Determine the processing risk value corresponding to each preset business category;

[0025] Determine the indicator risk value corresponding to the relevant indicator;

[0026] From various preset business categories, select a business category whose processing risk value is less than the indicator risk value;

[0027] If the selected business category is empty, the business category with access rights of the target trading account is set to empty;

[0028] If the selected business category is not empty, the selected business category is used as the business category with access rights of the target transaction account.

[0029] In a possible implementation manner, determining the processing risk value corresponding to each preset business category includes:

[0030] Obtain historical business data for each business category;

[0031] For each service category, a processing risk value corresponding to the service category is determined according to abnormal services included in historical service data of the service category.

[0032] In a second aspect, an embodiment of the present application provides a method for processing an online transaction, which is applied to a mobile terminal; comprising:

[0033] Obtaining a login request, and sending the login request to a preset server; wherein the login request is used to log in to a target trading account;

[0034] receiving a service category sent by the server; wherein the service category is determined by the server according to relevant indicators, and the service category is a category to which the target trading account has access rights; the relevant indicator is determined when it is determined that the login record of the mobile terminal does not include the target trading account, and the relevant indicator is a relevant indicator between the mobile terminal and the target trading account; the relevant indicator represents the degree of consistency between the identity information contained in the login record and the target trading account;

[0035] According to the business category, an online transaction interface under the access permission is displayed.

[0036] In a third aspect, an embodiment of the present application provides an online transaction processing device, which is applied to a preset server, including:

[0037] An acquisition module, used to acquire a login request sent by a mobile terminal; wherein the login request is used to log in to a target transaction account;

[0038] a first determination module, configured to determine, based on the login request, a correlation index between the mobile terminal and the target transaction account if it is determined that the login record of the mobile terminal does not include the target transaction account; wherein the correlation index represents the degree of consistency between the identity information included in the login record and the target transaction account;

[0039] A second determination module is used to determine the business category with access rights of the target transaction account according to the relevant indicators;

[0040] A sending module is used to send the business category to the mobile terminal; wherein the business category is used to display an online transaction interface under the access permission.

[0041] In a possible implementation manner, the first determining module includes:

[0042] A first determining unit, configured to determine, based on the login request, a plurality of historical login accounts corresponding to the mobile terminal;

[0043] The second determining unit is used to determine the correlation index between the mobile terminal and the target transaction account according to the multiple historical login accounts.

[0044] In a possible implementation manner, the second determining unit is specifically configured to:

[0045] If there is a historical login account whose identity information is consistent with the target transaction account among the multiple historical login accounts, then setting the correlation index between the mobile terminal and the target transaction account to a predetermined value, wherein the predetermined value indicates that the identity information of the target transaction account is consistent with the identity information of the historical login account;

[0046] If there is no historical login account with the same identity information as the target trading account among the multiple historical login accounts, the following contents are executed:

[0047] Acquire an account set; wherein the account set includes a plurality of historical accounts and a correlation index between each historical account and a target transaction account; and the correlation index between each historical account and the target transaction account is greater than a preset setting value;

[0048] Taking out an account to be selected from the account set; wherein the correlation index between the account to be selected and the target transaction account is the largest;

[0049] The following steps are executed in a loop until the account set is empty or the account to be selected is a login account among the multiple historical login accounts: multiple related accounts of the account to be selected are obtained; for each related account of the account to be selected, the related index between the account to be selected and the related account is obtained and updated according to the related index between the account to be selected and the related account, and the related index between the account to be selected and the target trading account; when the related index between the updated related account and the target trading account is greater than the set value, the updated related account is inserted into the account set; another account to be selected is taken out from the account set; wherein the related index between the account to be selected and the target trading account is the largest in the account set;

[0050] If it is determined that the retrieved account to be selected is a login account among the multiple historical login accounts, then the correlation index between the retrieved account to be selected and the target transaction account is used as the correlation index between the mobile terminal and the target transaction account;

[0051] If it is determined that the account set is empty, the relevant index between the mobile terminal and the target transaction account is set to a preset index value.

[0052] In a possible implementation manner, the second determining module includes:

[0053] a third determining unit, configured to, if it is determined that the correlation index between the mobile terminal and the target transaction account is the predetermined value, use all business types corresponding to the target transaction account as business categories with access rights for the target transaction account;

[0054] a fourth determining unit, configured to determine a processing risk value corresponding to each preset business category if it is determined that the correlation index between the mobile terminal and the target transaction account is not equal to the predetermined value;

[0055] A fifth determining unit, configured to determine an indicator risk value corresponding to the relevant indicator;

[0056] A sixth determining unit, configured to select, from various preset business categories, a business category whose processing risk value is less than the indicator risk value;

[0057] a seventh determining unit, configured to set the business category with access rights of the target trading account to be empty if the selected business category is empty;

[0058] The eighth determining unit is configured to use the selected business category as the business category with access rights of the target transaction account if the selected business category is not empty.

[0059] In a possible implementation manner, the fourth determining unit is specifically configured to:

[0060] Obtain historical business data for each business category;

[0061] For each service category, a processing risk value corresponding to the service category is determined according to abnormal services included in historical service data of the service category.

[0062] In a fourth aspect, an embodiment of the present application provides an online transaction processing device, which is applied to a mobile terminal; comprising:

[0063] An acquisition module, used to acquire a login request and send the login request to a preset server; wherein the login request is used to log in to a target trading account;

[0064] a receiving module, configured to receive a service category sent by the server; wherein the service category is determined by the server according to a relevant index, and the service category is a category to which the target trading account has access rights; the relevant index is determined when it is determined that the login record of the mobile terminal does not include the target trading account, and the relevant index is a relevant index between the mobile terminal and the target trading account; the relevant index represents the degree of consistency between the identity information contained in the login record and the target trading account;

[0065] The display module is used to display the online transaction interface under the access authority according to the business category.

[0066] In a fifth aspect, an embodiment of the present application provides a server, including: a memory, a processor;

[0067] The memory stores computer-executable instructions;

[0068] The processor executes the computer-executable instructions stored in the memory, so that the processor executes various possible implementations of the first aspect as described above.

[0069] In a sixth aspect, an embodiment of the present application provides a mobile terminal, including: a memory, a processor;

[0070] The memory stores computer-executable instructions;

[0071] The processor executes the computer-executable instructions stored in the memory, so that the processor executes various possible implementations of the second aspect as described above.

[0072] In the seventh aspect, an embodiment of the present application provides a computer-readable storage medium, in which computer-readable storage medium is stored computer execution instructions, and when the computer execution instructions are executed by a processor, they are used to implement the first aspect above and / or various possible implementation methods of the first aspect.

[0073] In an eighth aspect, an embodiment of the present application provides a computer program product, including a computer program, which, when executed by a processor, implements the above first aspect and / or various possible implementation methods of the first aspect.

[0074] The online transaction processing method, device, server and mobile terminal provided in the embodiment of the present application obtain a login request sent by the mobile terminal; wherein the login request is used to log in to the target transaction account. Based on the login request, if it is determined that the login record of the mobile terminal does not include the target transaction account, the relevant indicators between the mobile terminal and the target transaction account are determined; wherein the relevant indicators characterize the degree of consistency between the identity information contained in the login record and the target transaction account. Based on the relevant indicators, the business category with access rights of the target transaction account is determined, and the business category is sent to the mobile terminal; wherein the business category is used to display the online transaction interface under the access rights. In this scheme, the relevant indicators between the mobile terminal and the target transaction account are determined, and then the business category is determined, and the online transaction interface is displayed according to the business category with access rights. Therefore, by controlling the content displayed on the online transaction interface, the security of remote login can be improved, so as to achieve the effect of improving the security factor of the user's online transaction account. BRIEF DESCRIPTION OF THE DRAWINGS

[0075] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and, together with the description, serve to explain the principles of the present application.

[0076] Figure 1 A schematic diagram of a method for processing online transactions provided in an embodiment of the present application Figure 1 ;

[0077] Figure 2 Another method for processing online transactions provided in this application embodiment Figure 2 ;

[0078] Figure 3 A schematic diagram of a process for processing online transactions provided in this application Figure 3 ;

[0079] Figure 4 A schematic diagram of the structure of an online transaction processing device provided in an embodiment of the present application;

[0080] Figure 5A schematic diagram of the structure of another online transaction processing device provided in an embodiment of the present application;

[0081] Figure 6 A schematic diagram of the structure of another online transaction processing device provided by the present application;

[0082] Figure 7 A schematic diagram of the structure of a server provided in an embodiment of the present application;

[0083] Figure 8 A schematic diagram of the structure of a mobile terminal provided in an embodiment of the present application.

[0084] The above drawings have shown clear embodiments of the present application, which will be described in more detail later. These drawings and text descriptions are not intended to limit the scope of the present application in any way, but to illustrate the concept of the present application to those skilled in the art by referring to specific embodiments. DETAILED DESCRIPTION

[0085] Exemplary embodiments will be described in detail herein, examples of which are shown in the accompanying drawings. When the following description refers to the drawings, the same numbers in different drawings represent the same or similar elements unless otherwise indicated. The implementations described in the following exemplary embodiments do not represent all implementations consistent with the present application. Instead, they are merely examples of devices and methods consistent with some aspects of the present application as detailed in the appended claims.

[0086] At present, online transactions are quite common, so it is necessary to ensure the security of users' accounts.

[0087] In one example, a user usually logs in to his or her own trading account and enters the online trading page to perform operations such as query and payment. However, in the prior art, if the payment password of the trading account is stolen, it may be used by others to make payments on other devices, resulting in property losses of the user, and the security of the trading account cannot be guaranteed.

[0088] In combination with the above scenarios, it can be seen that in the prior art, there is a technical problem that the security of transaction accounts cannot be guaranteed.

[0089] The online transaction processing method provided by the present application solves the technical problem of low security factor of the user's online transaction account by means of technical means of controlling the content displayed on the online transaction interface.

[0090] The technical solution of the present application and how the technical solution of the present application solves the above-mentioned technical problems are described in detail below with specific embodiments. The following specific embodiments can be combined with each other, and the same or similar concepts or processes may not be repeated in some embodiments. The embodiments of the present application will be described below in conjunction with the accompanying drawings.

[0091] Figure 1 A schematic diagram of a process for processing online transactions provided in this application Figure 1 , applied to the preset server, such as Figure 1 As shown, the method includes:

[0092] S101. Obtain a login request sent by a mobile terminal; wherein the login request is used to log in to a target trading account.

[0093] For example, a user initiates a login operation of a target trading account on a mobile terminal, and then the mobile terminal obtains a login request corresponding to the login operation and sends the login request to a preset server. The server obtains the login request sent by the mobile terminal, and the login request is used to log in to the target trading account.

[0094] S102. Based on the login request, if it is determined that the login record of the mobile terminal does not include the target transaction account, determine a correlation index between the mobile terminal and the target transaction account; wherein the correlation index represents the degree of consistency between the identity information included in the login record and the target transaction account.

[0095] Exemplarily, based on the login request, the login record of the mobile terminal is obtained, and the login record includes multiple login accounts that have logged in on the mobile terminal, and each login account that has logged in includes identity information. It is determined whether the login record includes the target transaction account. If it is determined that the login record of the mobile terminal does not include the target transaction account, it means that the target transaction account has never been logged in on the mobile terminal, and the correlation index between the mobile terminal and the target transaction account is determined; wherein the correlation index represents the degree of consistency between the identity information contained in the login record and the target transaction account.

[0096] S103. Determine the business category of the target transaction account with access rights based on relevant indicators, and send the business category to the mobile terminal; wherein the business category is used to display the online transaction interface under the access rights.

[0097] Exemplarily, based on relevant indicators, the business category with access rights of the target transaction account is determined, and the business category is sent to the mobile terminal. When the mobile terminal receives the business category, it displays the online transaction interface under the access rights. For example, if the business category includes query operations but does not include payment operations, the mobile terminal displays the query interface, thereby ensuring account security.

[0098] The online transaction processing method provided in the embodiment of the present application obtains a login request sent by a mobile terminal; wherein the login request is used to log in to a target transaction account. Based on the login request, if it is determined that the login record of the mobile terminal does not include the target transaction account, the relevant indicators between the mobile terminal and the target transaction account are determined; wherein the relevant indicators characterize the degree to which the identity information contained in the login record is consistent with the target transaction account. Based on the relevant indicators, the business category with access rights of the target transaction account is determined, and the business category is sent to the mobile terminal; wherein the business category is used to display the online transaction interface under the access rights. In this scheme, the relevant indicators between the mobile terminal and the target transaction account are determined, and then the business category is determined, and the online transaction interface is displayed according to the business category with access rights. Therefore, by controlling the content displayed on the online transaction interface, the security of remote login can be improved, so as to achieve the effect of improving the security factor of the user's online transaction account.

[0099] Figure 2 A schematic diagram of a process for processing online transactions provided in this application Figure 2 , applied to the preset server, such as Figure 2 As shown, in this embodiment Figure 1 Based on the embodiment, a method for processing online transactions is described in detail, and the method includes:

[0100] S201. Obtain a login request sent by a mobile terminal; wherein the login request is used to log in to a target trading account.

[0101] For example, this step can be referred to Figure 1 Step 101 in the above is not described in detail.

[0102] S202: Based on the login request, determine multiple historical login accounts corresponding to the mobile terminal.

[0103] Exemplarily, based on the login request, multiple historical login accounts corresponding to the mobile terminal are determined, and the historical login accounts are accounts that have been logged in on the mobile terminal.

[0104] S203: Determine relevant indicators between the mobile terminal and the target transaction account based on multiple historical login accounts.

[0105] In one example, S203 includes: if there is a historical login account whose identity information is consistent with the target transaction account among multiple historical login accounts, setting the relevant indicator between the mobile terminal and the target transaction account to a predetermined value, wherein the predetermined value represents the identity information of the target transaction account, which is consistent with the identity information of the historical login account.

[0106] If there is no historical login account with the same identity information as the target trading account among the multiple historical login accounts, the following steps are performed: obtaining an account set; wherein the account set includes multiple historical accounts and a correlation index between each historical account and the target trading account; the correlation index between each historical account and the target trading account is greater than a preset setting value; taking out an account to be selected from the account set; wherein the correlation index between the account to be selected and the target trading account is the largest;

[0107] The following steps are executed in a loop until the account set is empty or the account to be selected is a login account among multiple historical login accounts: multiple related accounts of the account to be selected are obtained; for each related account of the account to be selected, the related index between the account to be selected and the related account is obtained and updated according to the related index between the account to be selected and the related account, and the related index between the account to be selected and the target trading account; when the related index between the updated related account and the target trading account is greater than the set value, the updated related account is inserted into the account set; another account to be selected is taken out from the account set; wherein the related index between the account to be selected and the target trading account in the account set is the largest;

[0108] If it is determined that the account to be selected is a login account among multiple historical login accounts, the relevant index between the account to be selected and the target trading account is used as the relevant index between the mobile terminal and the target trading account; if it is determined that the account set is empty, the relevant index between the mobile terminal and the target trading account is set to a preset index value.

[0109] Exemplarily, the correlation index between the mobile terminal and the target transaction account can be determined based on multiple historical login accounts. In the first case, among multiple historical login accounts, the account information of each historical login account is compared with the identity information of the target transaction account. If a historical login account with the same identity information as the target transaction account is found among the multiple historical login accounts, the correlation index between the mobile terminal and the target transaction account is set to a predetermined value. The predetermined value represents the identity information of the target transaction account, which is consistent with the identity information of the historical login account. For example, the predetermined value can be 1.

[0110] Alternatively, in the second case, if there is no historical login account with the same identity information as the target trading account among the multiple historical login accounts, the following steps are performed: an account set is obtained, the account set includes multiple historical accounts, and the related index between each historical account and the target trading account, and the related index between each historical account and the target trading account is greater than a preset setting value, which is a value preset by the user and is not limited to this. In the account set, the account to be selected with the largest related index is determined, and the account to be selected is taken out from the account set, and the related index at this time is the related index between the account to be selected and the target trading account.

[0111] Then, the following steps are executed in a loop until the account set is empty or the account to be selected is a login account in multiple historical login accounts: multiple related accounts of the account to be selected are obtained. For each related account of the account to be selected, the related index between the account to be selected and the related account and the related index between the account to be selected and the target trading account are obtained and updated. When the updated related index between the related account and the target trading account is greater than the set value, the updated related account is inserted into the account set. Another account to be selected is taken out from the account set, wherein the related index between the other account to be selected and the target trading account is the largest in the account set.

[0112] Finally, if it is determined that the account to be selected is a login account among multiple historical login accounts, the relevant index between the account to be selected and the target trading account is used as the relevant index between the mobile terminal and the target trading account. If it is determined that the account set is empty, the relevant index between the mobile terminal and the target trading account is set to a preset index value, for example, the index value is 0, and there is no limitation on this.

[0113] Further, for each related account of the account to be selected, according to the correlation index between the account to be selected and the related account, and the correlation index between the account to be selected and the target trading account, the correlation index between the related account and the target trading account is updated, including:

[0114] Update the correlation index R between the relevant account and the target trading account according to the following formula:

[0115] R = MAX(r, r1*r2)

[0116] Among them, R is the correlation index between the relevant account and the target trading account after the update, r is the correlation index between the relevant account and the target trading account before the update, r1 is the correlation index between the account to be selected and the target trading account, and r2 is the correlation index between the account to be selected and the relevant account.

[0117] S204. Determine the business category of the target transaction account with access rights based on relevant indicators, and send the business category to the mobile terminal; wherein the business category is used to display the online transaction interface under the access rights.

[0118] In one example, S204 includes: if it is determined that the correlation indicator between the mobile terminal and the target trading account is a predetermined value, then all business types corresponding to the target trading account are used as business categories with access rights for the target trading account; if it is determined that the correlation indicator between the mobile terminal and the target trading account is not equal to the predetermined value, then the following steps are performed: determining a processing risk value corresponding to each preset business category; determining an indicator risk value corresponding to the correlation indicator; selecting a business category whose processing risk value is less than the indicator risk value from each preset business category; if the selected business category is empty, then setting the business category with access rights for the target trading account to empty; if the selected business category is not empty, then using the selected business category as the business category with access rights for the target trading account.

[0119] In one example, "determining a processing risk value corresponding to each preset business category" includes: obtaining historical business data for each business category; for each business category, determining a processing risk value corresponding to the business category based on abnormal business contained in the historical business data of the business category.

[0120] Exemplarily, based on the relevant indicators, the business category of the target transaction account with access rights is determined, and the business category is sent to the mobile terminal. When the mobile terminal receives the business category, it displays the online transaction interface under the access rights.

[0121] In the first case, if it is determined that the correlation indicator between the mobile terminal and the target trading account is a predetermined value, all business types corresponding to the target trading account are used as business categories with access rights of the target trading account, that is, the mobile terminal can log in to the target trading account and display an interface containing all business types.

[0122] Alternatively, in the second case, if it is determined that the relevant index between the mobile terminal and the target trading account is not equal to the predetermined value, the processing risk value corresponding to each preset business category is determined, and the indicator risk value corresponding to the relevant index is determined. From each preset business category, a business category whose processing risk value is less than the indicator risk value is selected. If the selected business category is empty, the business category with access rights of the target trading account is set to empty, that is, the mobile terminal cannot log in to the target trading account. If the selected business category is not empty, the selected business category is used as the business category with access rights of the target trading account, and then the mobile terminal can log in to the target trading account and display the interface under the business category with access rights.

[0123] Furthermore, when determining the processing risk value corresponding to each preset business category, the historical business data of each business category can be obtained. For each business category, the processing risk value corresponding to the business category is calculated and determined based on the abnormal business included in the historical business data of the business category.

[0124] Furthermore, when determining the indicator risk value corresponding to the relevant indicator, multiple historical login data can be obtained, wherein the relevant indicator between the mobile terminal and the login account corresponding to each historical login data is consistent with the relevant indicator between the mobile terminal and the target transaction account.

[0125] The online transaction processing method provided in the embodiment of the present application obtains a login request sent by a mobile terminal; wherein the login request is used to log in to a target transaction account. Based on the login request, multiple historical login accounts corresponding to the mobile terminal are determined. Based on the multiple historical login accounts, the relevant indicators between the mobile terminal and the target transaction account are determined. Based on the relevant indicators, the business category with access rights of the target transaction account is determined, and the business category is sent to the mobile terminal; wherein the business category is used to display the online transaction interface under the access rights. Therefore, by controlling the content displayed on the online transaction interface, the security of remote login can be improved, so as to achieve the effect of improving the security factor of the user's online transaction account.

[0126] In one embodiment, the present application provides a method for processing online transactions, which is applied to a server, including: first obtaining exception rule information of each preset business type; and controlling the online transaction business initiated by the user on the mobile terminal based on the exception rule information of each preset business category.

[0127] First, the abnormal rule information of each preset business type is obtained, and the abnormal rule information includes multiple attributes and corresponding attribute values. Specifically, the historical business data of each business type is obtained, wherein the historical business data includes multiple abnormal business data. For each historical business data, multiple attribute sets corresponding to the historical business data are determined based on the historical business data, wherein each attribute set includes multiple attribute pairs, and each attribute pair includes an attribute and a corresponding attribute value. The multiple attribute sets corresponding to the multiple abnormal business data are used as potential abnormal attribute sets. For each potential abnormal attribute set, the abnormal business data containing the potential abnormal attribute set and the historical business data containing the potential abnormal attribute set are determined, and the ratio of the business volume of the two business data is used as the abnormal probability of the potential abnormal attribute set, wherein the two business data refer to the abnormal business data and the historical business data, and the ratio of the business volume of the two business data is the abnormal business data divided by the historical business data. And according to the abnormal probability, in each potential abnormal attribute set corresponding to the abnormal business data, the potential abnormal attribute set with the largest abnormal probability is determined as the abnormal attribute value, and the largest abnormal probability is used as the abnormal probability corresponding to the abnormal attribute value. Finally, the abnormal attribute value with an abnormal probability greater than the set value is selected as the abnormal rule information.

[0128] Then, based on the abnormal rule information of each service type, the online transaction service initiated by the user on the mobile terminal is controlled. Specifically, for each abnormal rule information obtained, the multiple attributes included in the abnormal rule information are used as risk attributes. The attribute values ​​corresponding to the risk attributes in the initiated online transaction service are obtained. It is determined whether the attribute values ​​corresponding to the risk attributes in the initiated online transaction service are consistent with the attribute values ​​corresponding to the risk attributes included in the abnormal rule information. When the abnormal rule information obtained exists, so that the attribute values ​​corresponding to the risk attributes in the initiated online transaction service are consistent with the attribute values ​​corresponding to the risk attributes included in the abnormal rule information, it is determined that the initiated online transaction service is abnormal, and the initiated online transaction service is controlled. When the abnormal rule information obtained does not exist, so that the attribute values ​​corresponding to the risk attributes in the initiated online transaction service are consistent with the attribute values ​​corresponding to the risk attributes included in the abnormal rule information, the initiated online transaction service is not controlled.

[0129] Figure 3 A schematic diagram of a process for processing online transactions provided in this application Figure 3 , applied to mobile terminals, such as Figure 3 As shown, the method includes:

[0130] S301. Obtain a login request, and send the login request to a preset server; wherein the login request is used to log in to a target trading account.

[0131] S302, receiving a business category sent by the server; wherein the business category is determined by the server according to relevant indicators, and the business category is a category to which the target trading account has access rights; the relevant indicator is determined when it is determined that the login record of the mobile terminal does not include the target trading account, and the relevant indicator is a relevant indicator between the mobile terminal and the target trading account; the relevant indicator represents the degree of consistency between the identity information contained in the login record and the target trading account.

[0132] S303. Displaying an online transaction interface under access rights according to the business category.

[0133] Figure 4 A schematic diagram of the structure of an online transaction processing device provided by the present application is applied to a preset server, such as Figure 4 As shown, the online transaction processing device 40 provided in this embodiment includes:

[0134] The acquisition module 41 is used to acquire a login request sent by the mobile terminal; wherein the login request is used to log in to a target transaction account.

[0135] The first determination module 42 is configured to determine, based on the login request, a correlation index between the mobile terminal and the target transaction account if it is determined that the login record of the mobile terminal does not include the target transaction account; wherein the correlation index represents the degree of consistency between the identity information included in the login record and the target transaction account.

[0136] The second determination module 43 is used to determine the business category with access rights of the target transaction account according to relevant indicators.

[0137] The sending module 44 is used to send the business category to the mobile terminal; wherein the business category is used to display the online transaction interface under the access permission.

[0138] Figure 5 A schematic diagram of the structure of another online transaction processing device provided in an embodiment of the present application, Figure 4 Based on the embodiment shown, Figure 5 As shown, the first determination module 42 includes:

[0139] The first determining unit 421 is configured to determine a plurality of historical login accounts corresponding to the mobile terminal based on the login request.

[0140] The second determining unit 422 is used to determine the correlation index between the mobile terminal and the target transaction account according to multiple historical login accounts.

[0141] In a possible implementation manner, the second determining unit 422 is specifically configured to:

[0142] If there is a historical login account whose identity information is consistent with the target transaction account among multiple historical login accounts, the relevant index between the mobile terminal and the target transaction account is set to a predetermined value, wherein the predetermined value represents the identity information of the target transaction account, which is consistent with the identity information of the historical login account.

[0143] If there is no historical login account with the same identity information as the target trading account among multiple historical login accounts, the following content will be executed:

[0144] An account set is obtained; wherein the account set includes a plurality of historical accounts and a correlation index between each historical account and a target trading account; and the correlation index between each historical account and the target trading account is greater than a preset setting value.

[0145] An account to be selected is taken out from the account set; wherein the correlation index between the account to be selected and the target trading account is the largest.

[0146] The following steps are executed in a loop until the account set is empty or the account to be selected is a login account among multiple historical login accounts: multiple related accounts of the account to be selected are obtained; for each related account of the account to be selected, the related index between the account to be selected and the related account is obtained and updated according to the related index between the account to be selected and the related account, and the related index between the account to be selected and the target trading account; when the related index between the updated related account and the target trading account is greater than the set value, the updated related account is inserted into the account set; another account to be selected is taken out from the account set; wherein the related index between the account to be selected and the target trading account in the account set is the largest.

[0147] If it is determined that the account to be selected is a login account among multiple historical login accounts, the correlation index between the account to be selected and the target transaction account is used as the correlation index between the mobile terminal and the target transaction account.

[0148] If it is determined that the account set is empty, the relevant index between the mobile terminal and the target trading account is set to a preset index value.

[0149] In a possible implementation, the second determining module 43 includes:

[0150] The third determining unit 431 is configured to, if it is determined that the correlation index between the mobile terminal and the target transaction account is a predetermined value, use all business types corresponding to the target transaction account as business categories with access rights of the target transaction account.

[0151] The fourth determining unit 432 is configured to determine the processing risk value corresponding to each preset business category if it is determined that the correlation index between the mobile terminal and the target transaction account is not equal to the predetermined value.

[0152] The fifth determining unit 433 is used to determine the indicator risk value corresponding to the relevant indicator.

[0153] The sixth determining unit 434 is configured to select, from among various preset business categories, a business category whose processing risk value is less than the indicator risk value.

[0154] The seventh determining unit 435 is configured to set the business category with access rights of the target trading account to be empty if the selected business category is empty.

[0155] The eighth determining unit 436 is configured to use the selected business category as the business category with access rights of the target transaction account if the selected business category is not empty.

[0156] In a possible implementation manner, the fourth determining unit 432 is specifically configured to:

[0157] Obtain historical business data for each business category.

[0158] For each business category, a processing risk value corresponding to the business category is determined based on abnormal businesses included in historical business data of the business category.

[0159] The device provided in this embodiment can execute the method provided in the above method embodiment. Its implementation principle and technical effect are similar, and this embodiment will not be described in detail here.

[0160] Figure 6 A schematic diagram of the structure of another online transaction processing device provided by the present application, which is applied to a mobile terminal, such as Figure 6 As shown, the online transaction processing device 50 provided in this embodiment includes:

[0161] The acquisition module 51 is used to acquire a login request and send the login request to a preset server; wherein the login request is used to log in to a target trading account.

[0162] The receiving module 52 is used to receive the business category sent by the server; wherein the business category is determined by the server according to relevant indicators, and the business category is a category to which the target trading account has access rights; the relevant indicator is determined when it is determined that the login record of the mobile terminal does not include the target trading account, and the relevant indicator is a relevant indicator between the mobile terminal and the target trading account; the relevant indicator represents the degree of consistency between the identity information contained in the login record and the target trading account.

[0163] The display module 53 is used to display the online transaction interface under the access permission according to the business category.

[0164] The device provided in this embodiment can execute the method provided in the above method embodiment. Its implementation principle and technical effect are similar, and this embodiment will not be described in detail here.

[0165] Figure 7 This is a schematic diagram of the server structure provided for this application. Figure 7 As shown, the electronic device 60 provided in this embodiment includes: at least one processor 601 and a memory 602. Optionally, the device 60 also includes a communication component 603. The processor 601, the memory 602 and the communication component 603 are connected via a bus 604.

[0166] In a specific implementation process, at least one processor 601 executes the computer execution instructions stored in the memory 602, so that at least one processor 601 executes the above method.

[0167] The specific implementation process of the processor 601 can be found in the above method embodiment, and its implementation principle and technical effect are similar, so this embodiment will not be repeated here.

[0168] Figure 8 This is a schematic diagram of the structure of the mobile terminal provided by this application. Figure 8 As shown, the electronic device 70 provided in this embodiment includes: at least one processor 701 and a memory 702. Optionally, the device 70 further includes a communication component 703. The processor 701, the memory 702 and the communication component 703 are connected via a bus 704.

[0169] In a specific implementation process, at least one processor 701 executes the computer-executable instructions stored in the memory 702, so that at least one processor 701 executes the above method.

[0170] The specific implementation process of the processor 701 can be found in the above method embodiment, and its implementation principle and technical effect are similar, so this embodiment will not be repeated here.

[0171] In the above embodiments, it should be understood that the processor may be a central processing unit (CPU), or other general-purpose processors, digital signal processors (DSP), application-specific integrated circuits (ASIC), etc. A general-purpose processor may be a microprocessor or any conventional processor. The steps of the method disclosed in the invention may be directly implemented as being executed by a hardware processor, or may be executed by a combination of hardware and software modules in the processor.

[0172] The memory may include a high-speed memory (Random Access Memory, RAM), and may also include a non-volatile memory (Non-volatile Memory, NVM), such as at least one disk memory.

[0173] The bus may be an Industry Standard Architecture (ISA) bus, a Peripheral Component Interconnect (PCI) bus, or an Extended Industry Standard Architecture (EISA) bus, etc. The bus may be divided into an address bus, a data bus, a control bus, etc. For ease of representation, the bus in the drawings of the present application is not limited to only one bus or one type of bus.

[0174] The present application also provides a computer program product, including a computer program, which implements the above method when executed by a processor.

[0175] The present application also provides a computer-readable storage medium, in which computer-executable instructions are stored. When a processor executes the computer-executable instructions, the above method is implemented.

[0176] The above-mentioned readable storage medium can be implemented by any type of volatile or non-volatile storage device or a combination thereof, such as static random access memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic memory, flash memory, magnetic disk or optical disk. The readable storage medium can be any available medium that can be accessed by a general or special-purpose computer.

[0177] An exemplary readable storage medium is coupled to a processor so that the processor can read information from the readable storage medium and write information to the readable storage medium. Of course, the readable storage medium can also be a component of the processor. The processor and the readable storage medium can be located in an application specific integrated circuit (Application Specific Integrated Circuits, referred to as: ASIC). Of course, the processor and the readable storage medium can also exist in the device as discrete components.

[0178] The division of units is only a logical function division, and there may be other divisions in actual implementation, such as multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be an indirect coupling or communication connection through some interface, device or unit, which can be electrical, mechanical or other forms.

[0179] The units described as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed on multiple network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0180] In addition, each functional unit in each embodiment of the present invention may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit.

[0181] If the function is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present invention, or the part that contributes to the prior art, or the part of the technical solution, can be embodied in the form of a software product. The computer software product is stored in a storage medium, including several instructions for a computer device (which can be a personal computer, server, or network device, etc.) to perform all or part of the steps of the methods of each embodiment of the present invention. The aforementioned storage medium includes: U disk, mobile hard disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), disk or optical disk, etc. Various media that can store program codes.

[0182] Those skilled in the art can understand that all or part of the steps of implementing the above-mentioned method embodiments can be completed by hardware related to program instructions. The aforementioned program can be stored in a computer-readable storage medium. When the program is executed, the steps of the above-mentioned method embodiments are executed; and the aforementioned storage medium includes: ROM, RAM, disk or optical disk and other media that can store program codes.

[0183] Finally, it should be noted that those skilled in the art will readily conceive of other embodiments of the present invention after considering the specification and practicing the invention disclosed herein. The present invention is intended to cover any variations, uses or adaptations of the present invention, which follow the general principles of the present invention and include common knowledge or customary technical means in the art not disclosed by the present invention, are not limited to the precise structure described above and shown in the drawings, and may be modified and changed in various ways without departing from the scope thereof. The scope of the present invention is limited only by the appended claims.

Claims

1. A method for processing online transactions, characterized in that: Applied to a preset server; the method comprises: Obtaining a login request sent by a mobile terminal; wherein the login request is used to log in to a target transaction account; Based on the login request, if it is determined that the login record of the mobile terminal does not include the target transaction account, determining a correlation index between the mobile terminal and the target transaction account; wherein the correlation index represents the degree of consistency between the identity information included in the login record and the target transaction account; According to the relevant indicators, the business category of the target transaction account with access rights is determined, and the business category is sent to the mobile terminal; wherein the business category is used to display an online transaction interface under the access rights.

2. The method according to claim 1, characterized in that The step of determining, based on the login request, if it is determined that the login record of the mobile terminal does not include the target transaction account, a correlation index between the mobile terminal and the target transaction account comprises: Based on the login request, determining a plurality of historical login accounts corresponding to the mobile terminal; According to the plurality of historical login accounts, a correlation index between the mobile terminal and the target transaction account is determined.

3. The method according to claim 2, characterized in that The determining of the correlation index between the mobile terminal and the target transaction account based on the plurality of historical login accounts includes: If there is a historical login account whose identity information is consistent with the target transaction account among the multiple historical login accounts, then setting the correlation index between the mobile terminal and the target transaction account to a predetermined value, wherein the predetermined value indicates that the identity information of the target transaction account is consistent with the identity information of the historical login account; If there is no historical login account with the same identity information as the target trading account among the multiple historical login accounts, the following steps are performed: Acquire an account set; wherein the account set includes a plurality of historical accounts and a correlation index between each historical account and a target transaction account; and the correlation index between each historical account and the target transaction account is greater than a preset setting value; Taking out an account to be selected from the account set; wherein the correlation index between the account to be selected and the target transaction account is the largest; The following steps are executed in a loop until the account set is empty or the account to be selected is a login account among the multiple historical login accounts: multiple related accounts of the account to be selected are obtained; for each related account of the account to be selected, the related index between the account to be selected and the related account is obtained and updated according to the related index between the account to be selected and the related account, and the related index between the account to be selected and the target trading account; when the related index between the updated related account and the target trading account is greater than the set value, the updated related account is inserted into the account set; another account to be selected is taken out from the account set; wherein the related index between the account to be selected and the target trading account is the largest in the account set; If it is determined that the retrieved account to be selected is a login account among the multiple historical login accounts, then the correlation index between the retrieved account to be selected and the target transaction account is used as the correlation index between the mobile terminal and the target transaction account; If it is determined that the account set is empty, the relevant index between the mobile terminal and the target transaction account is set to a preset index value.

4. The method according to claim 3, characterized in that Determining the business category of the target transaction account with access rights based on the relevant indicators includes: If it is determined that the correlation index between the mobile terminal and the target transaction account is the predetermined value, all business types corresponding to the target transaction account are used as business categories with access rights for the target transaction account; If it is determined that the correlation index between the mobile terminal and the target transaction account is not equal to the predetermined value, the following steps are performed: Determine the processing risk value corresponding to each preset business category; Determine the indicator risk value corresponding to the relevant indicator; From various preset business categories, select a business category whose processing risk value is less than the indicator risk value; If the selected business category is empty, the business category with access rights of the target trading account is set to empty; If the selected business category is not empty, the selected business category is used as the business category with access rights of the target transaction account.

5. The method according to any one of claims 1 to 4, characterized in that: Determining the processing risk value corresponding to each preset business category includes: Obtain historical business data for each business category; For each service category, a processing risk value corresponding to the service category is determined according to abnormal services included in historical service data of the service category.

6. A method for processing online transactions, characterized in that: Applied to a mobile terminal; the method comprises: Obtaining a login request, and sending the login request to a preset server; wherein the login request is used to log in to a target trading account; receiving a service category sent by the server; wherein the service category is determined by the server according to relevant indicators, and the service category is a category to which the target trading account has access rights; the relevant indicator is determined when it is determined that the login record of the mobile terminal does not include the target trading account, and the relevant indicator is a relevant indicator between the mobile terminal and the target trading account; the relevant indicator represents the degree of consistency between the identity information contained in the login record and the target trading account; According to the business category, an online transaction interface under the access permission is displayed.

7. An online transaction processing device, characterized in that: Applies to the preset servers, including: An acquisition module, used to acquire a login request sent by a mobile terminal; wherein the login request is used to log in to a target transaction account; a first determination module, configured to determine, based on the login request, a correlation index between the mobile terminal and the target transaction account if it is determined that the login record of the mobile terminal does not include the target transaction account; wherein the correlation index represents the degree of consistency between the identity information included in the login record and the target transaction account; A second determination module is used to determine the business category with access rights of the target transaction account according to the relevant indicators; A sending module is used to send the business category to the mobile terminal; wherein the business category is used to display an online transaction interface under the access permission.

8. An online transaction processing device, characterized in that: Applicable to mobile terminals; including: An acquisition module, used to acquire a login request and send the login request to a preset server; wherein the login request is used to log in to a target trading account; a receiving module, configured to receive a service category sent by the server; wherein the service category is determined by the server according to a relevant index, and the service category is a category to which the target trading account has access rights; the relevant index is determined when it is determined that the login record of the mobile terminal does not include the target trading account, and the relevant index is a relevant index between the mobile terminal and the target trading account; the relevant index represents the degree of consistency between the identity information contained in the login record and the target trading account; The display module is used to display the online transaction interface under the access authority according to the business category.

9. A server, characterized in that: include: Memory, processor; The memory stores computer-executable instructions; The processor executes the computer-executable instructions stored in the memory, so that the processor performs the method according to any one of claims 1 to 5.

10. A mobile terminal, characterized in that: include: Memory, processor; The memory stores computer-executable instructions; The processor executes the computer-executable instructions stored in the memory, so that the processor performs the method according to claim 6.

Images