Transaction trial calculation method and device, electronic equipment and storage medium

Abstract

The invention provides a transaction trial calculation method and device, electronic equipment and a storage medium, and the method comprises the steps: receiving a first transaction trial calculation request which comprises a first transaction amount; determining the number of times of transaction trial calculation requests received in the current time period; under the condition that the number of times of the received transaction trial calculation requests is larger than a first threshold value and smaller than a second threshold value, n second transaction amounts and n trial calculation results in the first n second transaction trial calculation requests adjacent to the first transaction trial calculation request are obtained, and n is an integer larger than 1; updating the current warning parameter value according to the first transaction amount, the n second transaction amounts and the n trial calculation results; and determining whether to respond to the first transaction trial request according to the updated warning parameter value. Whether a risk exists in the current trial calculation environment can be monitored, balance information leakage is avoided, and the safety of transaction trial calculation is improved.

Description

Technical Field

[0001] The present application relates to fields such as account transaction security, and in particular to a transaction trial calculation method, device, electronic device and storage medium. Background Art

[0002] In the quick payment scenario, a user can randomly select an account from multiple linked accounts (such as bank card accounts, etc.) to conduct order transactions. However, there may be a problem where the account balance is not enough to pay the order, and the transaction account needs to be switched multiple times, resulting in a long transaction time. Therefore, in the existing transaction plan, in order to improve the efficiency of user selection of transaction accounts and promote the growth of transaction scale, the account can be connected to the order trial calculation function to provide a trial calculation service to determine whether the account balance is sufficient to pay the current order amount.

[0003] However, since the order trial calculation function can test the user's accurate balance through multiple trial calculations, if it is used illegally or in violation of regulations, it will cause the leakage of sensitive information of the user's balance, and the security is low. Therefore, this application proposes a transaction trial calculation method to monitor the trial calculation risk of the account and effectively avoid the problem of balance information leakage. Summary of the invention

[0004] The present application aims to solve one of the technical problems in the related art at least to some extent.

[0005] To this end, the first purpose of this application is to propose a transaction trial calculation method, device, electronic device and storage medium to monitor whether there are risks in the current trial calculation environment, avoid balance information leakage, and improve the security of transaction trial calculation.

[0006] The second objective of this application is to provide a transaction calculation device.

[0007] The third objective of the present application is to provide an electronic device.

[0008] A fourth objective of the present application is to provide a computer-readable storage medium.

[0009] A fifth object of the present application is to provide a computer program product.

[0010] To achieve the above-mentioned purpose, the first embodiment of the present application proposes a transaction calculation method, including:

[0011] receiving a first transaction trial settlement request, wherein the first transaction trial settlement request includes a first transaction amount;

[0012] Determine the number of trade trial calculation requests received during the current period;

[0013] When the number of received transaction trial calculation requests is greater than a first threshold value and less than a second threshold value, obtaining n second transaction amounts and n trial calculation results in the first n second transaction trial calculation requests adjacent to the first transaction trial calculation request, where n is an integer greater than 1;

[0014] updating a current warning parameter value according to the first transaction amount, the n second transaction amounts and the n trial calculation results;

[0015] Determine whether to respond to the first transaction trial settlement request based on the updated warning parameter value.

[0016] To achieve the above-mentioned purpose, the second embodiment of the present application proposes a transaction calculation device, including:

[0017] A receiving module, configured to receive a first transaction trial settlement request, wherein the first transaction trial settlement request includes a first transaction amount;

[0018] A first determination module is used to determine the number of transaction trial calculation requests received in a current period;

[0019] an acquisition module, configured to acquire n second transaction amounts and n trial calculation results in first n second transaction trial calculation requests adjacent to the first transaction trial calculation request when the number of received transaction trial calculation requests is greater than a first threshold value and less than a second threshold value, wherein n is an integer greater than 1;

[0020] an updating module, configured to update a current warning parameter value according to the first transaction amount, the n second transaction amounts and the n trial calculation results;

[0021] The second determination module is used to determine whether to respond to the first transaction trial settlement request according to the updated warning parameter value.

[0022] To achieve the above-mentioned purpose, the third aspect embodiment of the present application proposes an electronic device, comprising: a processor, and a memory communicatively connected to the processor; the memory stores computer-executable instructions; the processor executes the computer-executable instructions stored in the memory to implement the transaction trial calculation method as described in the first aspect embodiment.

[0023] To achieve the above-mentioned purpose, the fourth aspect of the present application proposes a computer-readable storage medium, in which computer execution instructions are stored. When the computer execution instructions are executed by a processor, they are used to implement the transaction trial calculation method described in the first aspect of the embodiment.

[0024] To achieve the above-mentioned purpose, the fifth embodiment of the present application proposes a computer program product, including a computer program, which, when executed by a processor, implements the transaction trial calculation method as described in the first embodiment.

[0025] The content recommendation method, device, electronic device and storage medium provided in the present application can realize risk monitoring of transaction trial calculation services by controlling whether to respond to the currently received transaction trial calculation request based on the number of trial calculation requests historically received in the current time period, as well as the amount and result of each trial calculation request. This effectively prevents external platforms from stealing sensitive information data of user balances through trial calculation services, thereby improving the security of transaction trial calculations.

[0026] Additional aspects and advantages of the present application will be given in part in the description below, and in part will become apparent from the description below, or will be learned through the practice of the present application. BRIEF DESCRIPTION OF THE DRAWINGS

[0027] The above and / or additional aspects and advantages of the present application will become apparent and easily understood from the following description of the embodiments in conjunction with the accompanying drawings, in which:

[0028] Figure 1 A flowchart of a transaction calculation method provided in an embodiment of the present application;

[0029] Figure 2 This is an example diagram of a transaction trial calculation detail provided in an embodiment of the present application;

[0030] Figure 3 A flowchart of another transaction trial calculation method provided in an embodiment of the present application;

[0031] Figure 4 A flowchart of another transaction trial calculation method provided in an embodiment of the present application;

[0032] Figure 5 A schematic diagram of the structure of a transaction calculation device provided in an embodiment of the present application; and

[0033] Figure 6 A schematic diagram of the structure of an electronic device shown in an exemplary embodiment of the present application. DETAILED DESCRIPTION

[0034] Embodiments of the present application are described in detail below, and examples of the embodiments are shown in the accompanying drawings, wherein the same or similar reference numerals throughout represent the same or similar elements or elements having the same or similar functions. The embodiments described below with reference to the accompanying drawings are exemplary and are intended to be used to explain the present application, and should not be construed as limiting the present application.

[0035] The acquisition, transmission, storage, use, and processing of data in the technical solution of this application comply with the relevant provisions of national laws and regulations.

[0036] It should be noted that in the embodiments of the present application, certain software, components, models and other existing solutions in the industry may be mentioned, and they should be regarded as exemplary. Their purpose is only to illustrate the feasibility of implementing the technical solution of the present application, but it does not mean that the applicant has or will necessarily use the solution.

[0037] The transaction calculation method and device of the embodiment of the present application are described below with reference to the accompanying drawings.

[0038] Figure 1 A flowchart of a transaction calculation method provided in an embodiment of the present application.

[0039] Step 101, receiving a first transaction trial settlement request.

[0040] The first transaction trial settlement request includes the first transaction amount.

[0041] In an embodiment of the present application, in any transaction scenario, after the user submits an order, the transaction calculation system can receive a first transaction calculation request to calculate whether the account balance is sufficient to pay the amount of the currently submitted order. The first transaction amount is the amount of the currently submitted order to be paid.

[0042] However, since the external platform service can send multiple transaction trial calculation requests and infer the precise balance of the account based on the trial calculation results, sensitive account information may be leaked. Therefore, in this application, after receiving the first transaction trial calculation request, it is also necessary to verify whether the first transaction trial calculation request can be responded to at present.

[0043] Step 102, determining the number of transaction trial settlement requests received in the current time period.

[0044] The current period refers to a period of time before the first transaction trial settlement request is received, and the length of the period is a parameter value that can be configured based on experience.

[0045] In the embodiment of the present application, the bank card account can be used as the granularity, and a three-dimensional array (recording the transaction time, trial amount, and trial result respectively) can be used to record each trial transaction of the account, forming a historical trial calculation detail as the basic data for the execution of the trial calculation risk monitoring mechanism. Therefore, after receiving the first transaction trial calculation request, the start time and end time corresponding to the current time period (i.e., the time when the first transaction trial calculation request is received) can be determined based on the time when the first transaction trial calculation request is received. Then, in the historical trial calculation record, all corresponding transaction time within the current time period and the number of transaction trial calculation requests are searched.

[0046] Step 103, when the number of received transaction trial settlement requests is greater than the first threshold and less than the second threshold, obtain n second transaction amounts and n trial settlement results in the first n second transaction trial settlement requests adjacent to the first transaction trial settlement request.

[0047] Among them, the first threshold is the limit on the number of requests for starting transaction trial request risk monitoring, and its value can be customized according to data security needs and experimental experience.

[0048] The second threshold is the maximum number of trial calculation requests that an account can receive within a certain period of time. When the number of requests is greater than the second threshold, it means that the trial calculation requests are too frequent, the requests may be illegal, and the security is low. The second threshold can be customized according to different security requirements or environments.

[0049] In the embodiment of the present application, when the number of received transaction trial calculation requests is greater than the first threshold and less than the second threshold, it can be determined that the number of requests received in the current period is large, and there may be a risk of illegal trial calculation. Therefore, the transaction trial calculation system can start the monitoring mechanism to determine whether the current transaction trial calculation is legal or illegal based on the past n transactions in the current period, where n is an integer greater than 1, and n can be the number of transaction trial calculation requests received in the current period.

[0050] In the embodiment of the present application, n second transaction amounts and n trial calculation results in the first n second transaction trial calculation requests adjacent to the first transaction trial calculation request may be obtained in the historical trial calculation details.

[0051] Optionally, when the number of received transaction trial settlement requests is less than a first threshold, a trial settlement result corresponding to the first transaction trial settlement request is determined and returned.

[0052] In an embodiment of the present application, when the number of transaction trial settlement requests received is less than the first threshold, it can be determined that the number of transaction trial settlement requests received in the current period is small, and there is no need to monitor the trial settlement risk of the account. The first transaction trial settlement request can be responded to directly to determine whether the account balance is sufficient to pay the first transaction amount and return the trial settlement result.

[0053] It should be noted that when the number of transaction trial calculation requests is equal to the first threshold, the same processing method as the case where the number is greater than the first threshold can be adopted, or the same processing method as the case where the number is less than the first threshold can be adopted. This application does not limit this.

[0054] Optionally, when the number of received transaction trial settlement requests is greater than a second threshold, the first transaction trial settlement request is not responded to.

[0055] In the embodiment of the present application, when the number of received transaction trial calculation requests is greater than the second threshold, it can be determined that the risk of the current trial calculation is relatively high, and continuing the trial calculation may lead to the leakage of account data, so the first transaction trial calculation request cannot be responded to. A message indicating the failure of the trial calculation can be directly returned, or the trial calculation result can be not fed back.

[0056] Step 104, updating the current warning parameter value according to the first transaction amount, the n second transaction amounts and the n trial calculation results.

[0057] In the embodiment of the present application, the sequence of transaction trial calculation requests that need to be judged within a period of time can be set as S=[T1, T2…T n-1 ,T n ], each trial transaction request T has two attributes: transaction amount, trial result (insufficient balance or sufficient balance), and warning value parameter value A (initialized to 0). For each T1 (i is 3 to n) transaction cycle, when each T1 satisfies any of the following rules, the current warning parameter value is increased by 1, that is, the current warning parameter value is updated. The rules may include:

[0058] Rule 1: If T i-2 , T i-1 The trial calculation results of the orders are all insufficient balance, and the transaction amount of T1 is less than T i-2 and T i-1 If the transaction amount is , the warning value parameter value increases by 1;

[0059] Rule 2: If T i-2 , T i-1 The order calculation results are all sufficient balance, and the transaction amount of T1 is greater than T i-2 and T i-1 If the transaction amount is , the warning value parameter value increases by 1;

[0060] Rule 3: If T i-2 , T i-1 The order calculation results of one of them are insufficient balance and the other is sufficient balance, and the transaction amount of T1 is between T i-2 and T i-1 If the transaction amount is between , the warning value parameter value increases by 1.

[0061] It is understandable that the three consecutive transaction calculation requests in the above-mentioned Rules 1, 2 and 3 can gradually calculate the accurate account balance information, so the historical calculation requests that meet these three rules may be illegal and the warning parameter value needs to be updated.

[0062] Therefore, by utilizing the above-mentioned Rules 1, 2 and 3, the first transaction amount, n second transaction amounts and n trial calculation results are cyclically judged. Each time any one of Rules 1, 2 and 3 is met, the current warning parameter value is increased by 1 until it is determined whether the n-1th and nth trial calculation results, as well as the first transaction amount and the n-1th and nth second transaction amounts, meet Rules 1, 2 or 3, and the update of the warning parameter value is completed.

[0063] It should be noted that the artificial intelligence risk model can also be used to judge whether the first transaction amount, the n second transaction amounts and the n trial calculation results meet the dichotomy characteristics. That is to say, the historical trial calculation transaction details and the first transaction amount in the current period are input into the risk model, and the risk model outputs a sign of whether there is a risk in the current trial calculation, or it can also be a risk level, and outputs the result according to the template, and sends an instruction to the transaction trial calculation system whether it needs to throw an error and stop returning the trial calculation results.

[0064] Step 105, determining whether to respond to the first transaction trial settlement request based on the updated warning parameter value.

[0065] In the embodiment of the present application, after obtaining the updated warning parameter value, the quotient of the warning parameter value divided by n is calculated, and the quotient is compared with the pre-configured warning threshold. If the quotient is greater than the warning threshold, it can be determined that the n transaction trial calculation requests meet the dichotomy feature, and the transaction error is thrown, and no response is given as to whether the balance is sufficient, that is, the first transaction trial calculation request is not responded to. Alternatively, if the quotient is less than or equal to the warning threshold, the trial calculation result can be returned normally, that is, the first transaction trial calculation request is responded to.

[0066] In this embodiment, the first transaction trial calculation request is first received, and the number of transaction trial calculation requests received in the current time period is determined. Then, when the number of transaction trial calculation requests received is greater than the first threshold value and less than the second threshold value, the n second transaction amounts and n trial calculation results in the first n second transaction trial calculation requests adjacent to the first transaction trial calculation request are obtained. Afterwards, the current warning parameter value is updated according to the first transaction amount, the n second transaction amounts and the n trial calculation results, and then it is determined whether to respond to the first transaction trial calculation request according to the updated warning parameter value. Therefore, by controlling whether to respond to the currently received transaction trial calculation request based on the number of trial calculation requests historically received in the current time period, as well as the amount and result of each trial calculation request, risk monitoring of the transaction trial calculation service can be achieved, effectively preventing the problem of external platforms stealing sensitive information data of user balances through trial calculation services, and improving the security of transaction trial calculations.

[0067] Combine the following Figure 2The example diagram of the transaction trial calculation details shown is used to illustrate the binary feature calculation between the above-mentioned n second transaction amounts and n trial calculation results.

[0068] The transaction calculation details in the current time period are as follows: Figure 2 As shown, there are five transaction trial calculation records, n = 5, the second threshold is configured as 8, the first threshold is configured as 3, and the warning threshold is configured as 0.5. Since 5>3, and 5<8, the binary feature calculation judgment will be entered at this time, and the warning parameter value is the initial value 0:

[0069] First, starting from i=3, the trial calculation amount (i.e., the transaction amount in this embodiment) 3000 of array 3 is between 4000 of array 2 and 2000 of array 1, and the trial calculation results of array 1 and array 2 are sufficient balance and insufficient balance respectively, which meets the binary judgment rule 3 in step 104, so the value of the warning threshold is increased by 1, and the warning parameter value is equal to 1 at this time;

[0070] Then, i is equal to 4, the trial amount of array 4, 3600, is between 3000 of array 3 and 4000 of array 2, and the trial results of array 2 and array 3 are insufficient balance and sufficient balance respectively, which meets the binary judgment rule 3 in step 104, so the value of the warning parameter value is increased by 1, and the warning parameter value is equal to 2 at this time;

[0071] Afterwards, i is equal to 5, the trial amount of array 5 is greater than 3600 of array 4 and 3000 of array 3, and the trial results of array 3 and array 4 are both sufficient balances, which meets the binary judgment rule 2 in step 104. Therefore, the value of the warning parameter value is increased by 1. At this time, the warning parameter value is equal to 3, and the update of the warning parameter value is completed.

[0072] Since the final warning parameter value is 3 and n is 5, the quotient of the warning parameter value divided by n is 0.6, which is greater than the warning threshold of 0.5. A risk error prompt will be thrown, and the first transaction trial calculation request will be rejected, and no trial calculation result will be obtained.

[0073] Figure 3 A flowchart of another transaction calculation method provided in an embodiment of the present application.

[0074] like Figure 3 As shown, the transaction calculation method may include the following steps:

[0075] Step 301, receiving a first transaction trial settlement request, wherein the first transaction trial settlement request includes the time of the first transaction.

[0076] In the embodiment of the present application, the first transaction is the order to be paid, and the time of the first transaction may refer to the creation time or submission time of the order to be paid.

[0077] Step 302, determining the start time of the current time period according to the time of the first transaction and the preset time period length.

[0078] In the embodiment of the present application, the start time of the current time period can be obtained by counting backwards from the time of the first transaction to the preset time period length.

[0079] Step 303, determining the number of transaction trial settlement requests received at and after the starting time according to the transaction time included in each received transaction trial settlement request.

[0080] In the embodiment of the present application, the transaction trial calculation system may store historical trial calculation records, each of which corresponds to a historically received transaction trial calculation request, and may include information such as transaction time, transaction amount, and trial calculation result. After determining the start time of the current period, the transaction time may be determined as the start time in the historical trial calculation record, as well as the number of all historical trial calculation records later than the start time, that is, the number of transaction trial calculation requests received at and after the start time.

[0081] Step 304, when the number of received transaction trial settlement requests is greater than the first threshold and less than the second threshold, obtain n second transaction amounts and n trial settlement results in the first n second transaction trial settlement requests adjacent to the first transaction trial settlement request.

[0082] Step 305, updating the current warning parameter value according to the first transaction amount, the n second transaction amounts and the n trial calculation results.

[0083] Step 306, determining whether to respond to the first transaction trial settlement request based on the updated warning parameter value.

[0084] For detailed description of the above steps 204 to 205, please refer to other embodiments of the present application and will not be repeated here.

[0085] In this embodiment, the start time of the current time period is calculated by using the time of the first transaction and the preset time period length, and then the number of transaction trial calculation requests received at and after the start time is determined according to the transaction time of each transaction trial calculation request that has been received. The start time of the historical transaction trial calculation request to be obtained can be clearly identified, ensuring the integrity and accuracy of the obtained data and avoiding data omissions due to unclear time ranges.

[0086] Figure 4 A flowchart of another transaction calculation method provided in an embodiment of the present application.

[0087] like Figure 4 As shown, the transaction calculation method may include the following steps:

[0088] Step 401, receiving a first transaction trial settlement request.

[0089] Step 402, determining the number of transaction trial settlement requests received in the current time period.

[0090] Step 403, when the number of received transaction trial settlement requests is greater than the first threshold and less than the second threshold, obtain n second transaction amounts and n trial settlement results in the first n second transaction trial settlement requests adjacent to the first transaction trial settlement request.

[0091] For detailed description of the above steps 401 to 403, please refer to other embodiments of the present application and will not be repeated here.

[0092] Step 404, updating the current warning parameter value according to the first transaction amount, the n second transaction amounts and the n trial calculation results.

[0093] In the embodiment of the present application, the second transaction amount and trial calculation result in the historical trial calculation record have been determined, so the second transaction amount and trial calculation result in the received transaction trial calculation request can be judged by binary division in advance to obtain a stored warning parameter value. Afterwards, it can be judged whether the relationship between the first transaction amount, the n second transaction amounts and the n trial calculation results meets the preset rules, and if it meets the preset rules, the current warning parameter value is updated.

[0094] It should be noted that the rule for updating the current warning parameter value may include: when n trial calculation results are all insufficient balance and the first transaction amount is less than each second transaction amount, the warning parameter value is increased by 1.

[0095] Alternatively, when the n trial calculation results all indicate that the balance is sufficient and the first transaction amount is greater than each second transaction amount, the warning parameter value is increased by 1.

[0096] Alternatively, when the n trial calculation results include both sufficient balance and insufficient balance, and the first transaction amount is between the second transaction amount corresponding to the trial calculation result with sufficient balance and the second transaction amount corresponding to the trial calculation result with insufficient balance, the warning parameter value is increased by 1.

[0097] Wherein, n is a natural number greater than 1, and may be 2, 3, etc., and this application does not impose any limitation on this.

[0098] Step 405: When the warning parameter value is greater than or equal to the warning threshold, the first transaction trial settlement request is not responded to.

[0099] The warning threshold refers to the critical value set for the quotient of the warning parameter value divided by the number of transaction trial calculation requests received in the current period.

[0100] In an embodiment of the present application, when the warning parameter value is greater than or equal to the warning threshold, it can be determined that the trial calculation security of the current account is low. In order to ensure that the account balance information is not leaked, the trial calculation service will no longer be provided to the account, and the first transaction trial calculation request will not be responded to.

[0101] Alternatively, when the warning parameter value is less than the warning threshold, the first transaction trial settlement request may be responded to.

[0102] In the embodiment of the present application, by judging the size relationship between the warning parameter value and the warning threshold to determine whether to respond to the first transaction trial calculation request, the accuracy and reliability of illegal judgments on transaction trial calculations can be improved, the security of transaction trial calculations can be further improved, and the security of account information can be guaranteed, thereby improving the user experience.

[0103] Step 406: When it is determined that the first transaction trial settlement request is not to be responded to, a transaction abnormality prompt message is sent to the user to whom the first transaction belongs.

[0104] In the embodiment of the present application, by sending a transaction abnormality prompt message to the user who sent the first transaction, the existing risks can be promptly reminded to the user, thereby increasing the user's awareness of account and transaction security, and improving the compliance and quality of transaction trial settlement services.

[0105] In order to implement the above embodiment, the present application also proposes a transaction calculation device.

[0106] Figure 5 A schematic diagram of the structure of a transaction calculation device provided in an embodiment of the present application.

[0107] like Figure 5 As shown, the transaction calculation device 500 includes:

[0108] The receiving module 501 is used to receive a first transaction trial settlement request, wherein the first transaction trial settlement request includes a first transaction amount;

[0109] The first determination module 502 is used to determine the number of transaction trial calculation requests received in the current period;

[0110] The acquisition module 503 is used to acquire n second transaction amounts and n trial calculation results in the first n second transaction trial calculation requests adjacent to the first transaction trial calculation request when the number of received transaction trial calculation requests is greater than the first threshold value and less than the second threshold value, where n is an integer greater than 1;

[0111] An updating module 504, for updating the current warning parameter value according to the first transaction amount, the n second transaction amounts and the n trial calculation results;

[0112] The second determination module 505 is used to determine whether to respond to the first transaction trial settlement request according to the updated warning parameter value.

[0113] Furthermore, the first determining module 502 may be specifically configured to:

[0114] Determine the start time of the current period based on the time of the first transaction and the preset period length;

[0115] The number of transaction trial settlement requests received at and after the start time is determined based on the transaction time included in each received transaction trial settlement request.

[0116] Furthermore, the first determining module 502 may also be used to:

[0117] When the number of received transaction trial calculation requests is less than the first threshold, a trial calculation result corresponding to the first transaction trial calculation request is determined and returned.

[0118] Furthermore, the first determining module 502 may also be used to:

[0119] When the number of received transaction trial settlement requests is greater than the second threshold, the first transaction trial settlement request is not responded to.

[0120] Furthermore, the update module 504 may be specifically used for:

[0121] If the n trial calculation results are all insufficient balances, and the first transaction amount is less than each second transaction amount, the warning parameter value is increased by 1; or,

[0122] If the n trial calculation results all indicate that the balance is sufficient and the first transaction amount is greater than each second transaction amount, the warning parameter value is increased by 1; or,

[0123] When n trial calculation results include both sufficient balance and insufficient balance, and the first transaction amount is between the second transaction amount corresponding to the trial calculation result with sufficient balance and the second transaction amount corresponding to the trial calculation result with insufficient balance, the warning parameter value is increased by 1.

[0124] Furthermore, the second determining module 505 may be specifically configured to:

[0125] If the warning parameter value is greater than or equal to the warning threshold, not responding to the first transaction trial settlement request; or,

[0126] When the warning parameter value is less than the warning threshold, respond to the first transaction trial settlement request.

[0127] Furthermore, the transaction calculation device 500 may further include:

[0128] The sending module is used to send a transaction abnormality prompt message to the user to whom the first transaction belongs when it is determined that the first transaction trial settlement request will not be responded to.

[0129] In an embodiment of the present application, by controlling whether to respond to the currently received transaction trial calculation request based on the number of trial calculation requests historically received within the current time period, as well as the amount and result of each trial calculation request, risk monitoring of the transaction trial calculation service can be achieved, effectively preventing external platforms from stealing sensitive information data of user balances through the trial calculation service, and improving the security of transaction trial calculations.

[0130] In order to implement the above embodiments, the present application also proposes an electronic device, including: a processor, and a memory communicatively connected to the processor; the memory stores computer execution instructions; the processor executes the computer execution instructions stored in the memory to implement the transaction trial calculation method provided by the above embodiments.

[0131] As an example, Figure 6 is a schematic diagram of the structure of an electronic device shown in an exemplary embodiment of the present disclosure, such as Figure 6 As shown, the electronic device 600 may further include:

[0132] The memory 610 and the processor 620, a bus 630 connecting different components (including the memory 610 and the processor 620), the memory 610 stores a computer program, and when the processor 620 executes the program, the business data processing method of the embodiment of the present disclosure is implemented.

[0133] Bus 630 represents one or more of several types of bus structures, including a memory bus or memory controller, a peripheral bus, an accelerated graphics port, a processor or a local bus using any of a variety of bus architectures. By way of example, these architectures include, but are not limited to, an Industry Standard Architecture (ISA) bus, a Micro Channel Architecture (MAC) bus, an Enhanced ISA bus, a Video Electronics Standards Association (VESA) local bus, and a Peripheral Component Interconnect (PCI) bus.

[0134] The electronic device 600 typically includes a variety of electronic device readable media. These media can be any available media that can be accessed by the electronic device 600, including volatile and non-volatile media, removable and non-removable media.

[0135] The memory 610 may also include computer system readable media in the form of volatile memory, such as random access memory (RAM) 660 and / or cache memory 650. The electronic device 600 may further include other removable / non-removable, volatile / non-volatile computer system storage media. By way of example only, the storage system 660 may be used to read and write non-removable, non-volatile magnetic media ( Figure 6 not shown, usually called a "hard drive"). Although Figure 6 Not shown, a disk drive for reading and writing to a removable non-volatile disk (e.g., a "floppy disk"), and an optical disk drive for reading and writing to a removable non-volatile optical disk (e.g., a CD-ROM, a DVD-ROM, or other optical media) may be provided. In these cases, each drive may be connected to the bus 630 via one or more data medium interfaces. The memory 610 may include at least one program product having a set (e.g., at least one) of program modules that are configured to perform the functions of the various embodiments of the present disclosure.

[0136] A program / utility 680 having a set (at least one) of program modules 670 may be stored, for example, in the memory 610, such program modules 670 including but not limited to an operating system, one or more application programs, other program modules, and program data, each of which or some combination may include an implementation of a network environment. The program modules 670 generally perform the functions and / or methods of the embodiments described in the present disclosure.

[0137] The electronic device 600 may also communicate with one or more external devices 690 (e.g., keyboard, pointing device, display 691, etc.), may also communicate with one or more devices that enable a user to interact with the electronic device 600, and / or communicate with any device that enables the electronic device 600 to communicate with one or more other computing devices (e.g., network card, modem, etc.). Such communication may be performed via an input / output (I / O) interface 692. Furthermore, the electronic device 600 may also communicate with one or more networks (e.g., local area network (LAN), wide area network (WAN) and / or public network, such as the Internet) via a network adapter 693. As shown, the network adapter 693 communicates with other modules of the electronic device 600 via a bus 630. It should be understood that, although not shown in the figure, other hardware and / or software modules may be used in conjunction with the electronic device 600, including but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, and data backup storage systems.

[0138] The processor 620 executes various functional applications and data processing by running the programs stored in the memory 610 .

[0139] It should be noted that the implementation process and technical principles of the electronic device of this embodiment refer to the aforementioned explanation of the transaction trial calculation method of the embodiment of the present disclosure, and will not be repeated here.

[0140] In order to implement the above embodiments, the present application also proposes a computer-readable storage medium, in which computer execution instructions are stored. When the computer execution instructions are executed by a processor, they are used to implement the transaction trial calculation method provided by the above embodiments.

[0141] In order to implement the above embodiments, the present application also proposes a computer program product, including a computer program, which implements the transaction trial calculation method provided by the above embodiments when executed by a processor.

[0142] The collection, storage, use, processing, transmission, provision and disclosure of user personal information involved in this application are in compliance with relevant laws and regulations and do not violate public order and good morals.

[0143] It should be noted that personal information from users should be collected for legitimate and reasonable purposes and should not be shared or sold outside of these legitimate uses. In addition, such collection / sharing should be carried out after receiving the user's informed consent, including but not limited to notifying the user to read the user agreement / user notice and sign the agreement / authorization including authorization of relevant user information before the user uses the function. In addition, any necessary steps should be taken to protect and safeguard access to such personal information data and ensure that others who have access to personal information data comply with its privacy policy and procedures.

[0144] The present application is expected to provide an implementation scheme for users to selectively block the use or access of personal information data. That is, the present disclosure is expected to provide hardware and / or software to prevent or block access to such personal information data. Once the personal information data is no longer needed, the risk can be minimized by limiting data collection and deleting the data. In addition, when applicable, such personal information is de-identified to protect the privacy of the user.

[0145] In the description of the aforementioned embodiments, the description with reference to the terms "one embodiment", "some embodiments", "example", "specific example", or "some examples" etc. means that the specific features, structures, materials or characteristics described in conjunction with the embodiment or example are included in at least one embodiment or example of the present application. In this specification, the schematic representations of the above terms do not necessarily refer to the same embodiment or example. Moreover, the specific features, structures, materials or characteristics described may be combined in any one or more embodiments or examples in a suitable manner. In addition, those skilled in the art may combine and combine the different embodiments or examples described in this specification and the features of the different embodiments or examples, without contradiction.

[0146] In addition, the terms "first" and "second" are used for descriptive purposes only and should not be understood as indicating or implying relative importance or implicitly indicating the number of the indicated technical features. Therefore, the features defined as "first" and "second" may explicitly or implicitly include at least one of the features. In the description of this application, the meaning of "plurality" is at least two, such as two, three, etc., unless otherwise clearly and specifically defined.

[0147] Any process or method description in a flowchart or otherwise described herein may be understood to represent a module, fragment or portion of code comprising one or more executable instructions for implementing the steps of a custom logical function or process, and the scope of the preferred embodiments of the present application includes alternative implementations in which functions may not be performed in the order shown or discussed, including performing functions in a substantially simultaneous manner or in the reverse order depending on the functions involved, which should be understood by technicians in the technical field to which the embodiments of the present application belong.

[0148] The logic and / or steps represented in the flowchart or otherwise described herein, for example, can be considered as an ordered list of executable instructions for implementing logical functions, and can be embodied in any computer-readable medium for use by an instruction execution system, device or apparatus (such as a computer-based system, a system including a processor, or other system that can fetch instructions from an instruction execution system, device or apparatus and execute the instructions), or in combination with these instruction execution systems, devices or apparatuses. For the purpose of this specification, "computer-readable medium" can be any device that can contain, store, communicate, propagate or transmit a program for use by an instruction execution system, device or apparatus, or in combination with these instruction execution systems, devices or apparatuses. More specific examples of computer-readable media (a non-exhaustive list) include the following: an electrical connection with one or more wires (electronic device), a portable computer disk box (magnetic device), a random access memory (RAM), a read-only memory (ROM), an erasable and programmable read-only memory (EPROM or flash memory), a fiber optic device, and a portable compact disk read-only memory (CDROM). In addition, the computer-readable medium may even be paper or other suitable medium on which the program is printed, since the program may be obtained electronically, for example, by optically scanning the paper or other medium and then editing, interpreting or processing in other suitable ways if necessary, and then stored in a computer memory.

[0149] It should be understood that the various parts of the present application can be implemented by hardware, software, firmware or a combination thereof. In the above-mentioned embodiments, multiple steps or methods can be implemented by software or firmware stored in a memory and executed by a suitable instruction execution system. For example, if implemented by hardware, as in another embodiment, it can be implemented by any one of the following technologies known in the art or their combination: a discrete logic circuit having a logic gate circuit for implementing a logic function for a data signal, a dedicated integrated circuit having a suitable combination of logic gate circuits, a programmable gate array (PGA), a field programmable gate array (FPGA), etc.

[0150] A person skilled in the art may understand that all or part of the steps in the method for implementing the above-mentioned embodiment may be completed by instructing related hardware through a program, and the program may be stored in a computer-readable storage medium, which, when executed, includes one or a combination of the steps of the method embodiment.

[0151] In addition, each functional unit in each embodiment of the present application may be integrated into a processing module, or each unit may exist physically separately, or two or more units may be integrated into one module. The above-mentioned integrated module may be implemented in the form of hardware or in the form of a software functional module. If the integrated module is implemented in the form of a software functional module and sold or used as an independent product, it may also be stored in a computer-readable storage medium.

[0152] The storage medium mentioned above may be a read-only memory, a magnetic disk or an optical disk, etc. Although the embodiments of the present application have been shown and described above, it can be understood that the above embodiments are exemplary and cannot be understood as limiting the present application. A person of ordinary skill in the art may change, modify, replace and modify the above embodiments within the scope of the present application.

Claims

1. A transaction calculation method, characterized in that: include: receiving a first transaction trial settlement request, wherein the first transaction trial settlement request includes a first transaction amount; Determine the number of trade trial calculation requests received during the current period; When the number of received transaction trial calculation requests is greater than a first threshold value and less than a second threshold value, obtaining n second transaction amounts and n trial calculation results in the first n second transaction trial calculation requests adjacent to the first transaction trial calculation request, where n is an integer greater than 1; updating a current warning parameter value according to the first transaction amount, the n second transaction amounts and the n trial calculation results; Determine whether to respond to the first transaction trial settlement request based on the updated warning parameter value.

2. The method according to claim 1, characterized in that The first transaction trial settlement request includes the time of the first transaction, and the determining the number of transaction trial settlement requests received in the current time period includes: Determining the start time of the current time period according to the time of the first transaction and the preset time period length; The number of transaction trial settlement requests received at and after the starting time is determined based on the transaction time included in each received transaction trial settlement request.

3. The method according to claim 1, characterized in that After determining the number of transaction trial settlement requests received in the current period, the method further includes: When the number of received transaction trial calculation requests is less than the first threshold, a trial calculation result corresponding to the first transaction trial calculation request is determined and returned.

4. The method according to claim 1, characterized in that After determining the number of transaction trial settlement requests received in the current period, the method further includes: When the number of received transaction trial settlement requests is greater than the second threshold, the first transaction trial settlement request is not responded to.

5. The method according to any one of claims 1 to 4, characterized in that: The updating of the current warning parameter value according to the first transaction amount, the n second transaction amounts and the n trial calculation results includes: When the n trial calculation results are all insufficient balances, and the first transaction amount is less than each of the second transaction amounts, the warning parameter value is increased by 1; or, If the n trial calculation results all indicate that the balance is sufficient and the first transaction amount is greater than each of the second transaction amounts, the warning parameter value is increased by 1; or, When the n trial calculation results include both sufficient balance and insufficient balance, and the first transaction amount is between the second transaction amount corresponding to the trial calculation result with sufficient balance and the second transaction amount corresponding to the trial calculation result with insufficient balance, the warning parameter value is increased by 1.

6. The method according to claim 5, characterized in that The step of determining whether to respond to the first transaction trial settlement request according to the updated warning parameter value includes: If the warning parameter value is greater than or equal to the warning threshold, not responding to the first transaction trial settlement request; or When the warning parameter value is less than the warning threshold, respond to the first transaction trial settlement request.

7. The method according to claim 6, characterized in that The method further comprises: When it is determined that the first transaction trial settlement request will not be responded to, a transaction abnormality prompt message is sent to the user to whom the first transaction belongs.

8. A transaction calculation device, characterized in that: include: A receiving module, configured to receive a first transaction trial settlement request, wherein the first transaction trial settlement request includes a first transaction amount; A first determination module is used to determine the number of transaction trial calculation requests received in a current period; an acquisition module, configured to acquire n second transaction amounts and n trial calculation results in first n second transaction trial calculation requests adjacent to the first transaction trial calculation request when the number of received transaction trial calculation requests is greater than a first threshold value and less than a second threshold value, wherein n is an integer greater than 1; an updating module, configured to update a current warning parameter value according to the first transaction amount, the n second transaction amounts and the n trial calculation results; The second determination module is used to determine whether to respond to the first transaction trial settlement request according to the updated warning parameter value.

9. An electronic device, characterized in that: include: A processor, and a memory communicatively connected to the processor; The memory stores computer-executable instructions; The processor executes the computer-executable instructions stored in the memory to implement the transaction calculation method according to any one of claims 1 to 7.

10. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer-executable instructions, which, when executed by a processor, are used to implement the transaction trial calculation method according to any one of claims 1 to 7.

11. A computer program product, characterized in that It comprises a computer program, which, when executed by a processor, implements the transaction trial calculation method according to any one of claims 1 to 7.

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