Transaction trial method and device, electronic equipment and storage medium

Abstract

The application provides a transaction trial method and device, electronic equipment and a storage medium. The method comprises the following steps: receiving a first transaction trial request, wherein the first transaction trial request comprises a first transaction amount; determining the number of transaction trial requests received in the current period; in the case that the number of transaction trial requests received is greater than a first threshold value and less than a second threshold value, obtaining n second transaction amounts and n trial results in the previous n second transaction trial requests adjacent to the first transaction trial request, wherein n is an integer greater than 1; updating the current warning parameter value according to the first transaction amount, the n second transaction amounts and the n trial results; and determining whether to respond to the first transaction trial request according to the updated warning parameter value. The risk of the current trial environment can be monitored, the balance information can be prevented from being leaked, and the security of the transaction trial can be improved.

Description

Technical Field

[0001] This application relates to areas such as account transaction security, and in particular to a transaction calculation method, apparatus, electronic device, and storage medium. Background Technology

[0002] In quick payment scenarios, a user can randomly select one of multiple linked accounts (such as bank card accounts) to place an order. However, there may be issues where the account balance is insufficient to pay for the order, requiring multiple switching of transaction accounts and resulting in excessively long transaction times. Therefore, in order to improve the efficiency of users selecting transaction accounts and promote transaction volume growth in the existing transaction solution, the account can be linked to an order calculation function to provide a service to calculate whether the account balance is sufficient to pay for the current order amount.

[0003] However, since the order calculation function can probe a user's precise balance through multiple calculations, it poses a security risk if misused or abused, potentially leading to the leakage of sensitive user balance information. Therefore, this application proposes a transaction calculation method to monitor account calculation risks and effectively prevent the leakage of balance information. Summary of the Invention

[0004] This application aims to at least partially address one of the technical problems in the related art.

[0005] Therefore, the first objective of this application is to provide a transaction trial calculation method, apparatus, electronic device, and storage medium to monitor whether there are risks in the current trial calculation environment, avoid leakage of balance information, 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 this application is to propose an electronic device.

[0008] The fourth objective of this application is to provide a computer-readable storage medium.

[0009] The fifth objective of this application is to provide a computer program product.

[0010] To achieve the above objectives, a transaction calculation method is proposed in the first aspect of this application, comprising:

[0011] Receive a first transaction calculation request, wherein the first transaction calculation request includes a first transaction amount;

[0012] Determine the number of transaction trial requests received within the current time period;

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

[0014] The current warning parameter value is updated based on the first transaction amount, the n second transaction amounts, and the n trial calculation results.

[0015] Based on the updated warning parameter value, determine whether to respond to the first transaction trial calculation request.

[0016] To achieve the above objectives, a second aspect of this application provides a transaction calculation apparatus, comprising:

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

[0018] The first determining module is used to determine the number of transaction trial requests received within the current time period;

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

[0020] The update module is used to update the current warning parameter value based on the first transaction amount, the n second transaction amounts, and the n trial calculation results;

[0021] The second determining module is used to determine whether to respond to the first transaction trial calculation request based on the updated warning parameter value.

[0022] To achieve the above objectives, a third aspect of this application provides an electronic device, including: 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 as described in the first aspect embodiment.

[0023] To achieve the above objectives, a fourth aspect of this application provides a computer-readable storage medium storing computer-executable instructions that, when executed by a processor, are used to implement the transaction calculation method as described in the first aspect embodiment.

[0024] To achieve the above objectives, a fifth aspect of this application provides a computer program product, including a computer program that, when executed by a processor, implements the transaction calculation method as described in the first aspect embodiment.

[0025] The content recommendation method, apparatus, electronic device, and storage medium provided in this application control whether to respond to the currently received transaction calculation request by based on the number of historical calculation requests received within the current time period, as well as the amount and result of each calculation request. This enables risk monitoring of the transaction calculation service, effectively preventing external platforms from stealing users' sensitive balance information through the calculation service, and improving the security of transaction calculation.

[0026] Additional aspects and advantages of this application will be set forth in part in the description which follows, and in part will be obvious from the description, or may be learned by practice of this application. Attached Figure Description

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

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

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

[0030] Figure 3 A flowchart illustrating another transaction calculation method provided in this application embodiment;

[0031] Figure 4 A flowchart illustrating another transaction calculation method provided in this application embodiment;

[0032] Figure 5 This application provides a schematic diagram of the structure of a transaction calculation device; and

[0033] Figure 6 A schematic diagram of the structure of an electronic device is shown in an exemplary embodiment of this application. Detailed Implementation

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

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

[0036] It should be noted that in the embodiments of this application, certain software, components, models and other existing solutions in the industry may be mentioned. These should be regarded as exemplary and are only intended to illustrate the feasibility of implementing the technical solution of this application. However, it does not mean that the applicant has used or necessarily used the solution.

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

[0038] Figure 1 This is a flowchart illustrating a transaction calculation method provided in an embodiment of this application.

[0039] Step 101: Receive the first transaction trial calculation request.

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

[0041] In this embodiment of the application, in any transaction scenario, after a 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 external platform services can send multiple transaction calculation requests and infer the precise account balance based on the calculation results, sensitive account information can be leaked. Therefore, in this application, after receiving the first transaction calculation request, it is also necessary to verify whether the system can currently respond to the first transaction calculation request.

[0043] Step 102: Determine the number of transaction trial requests received within the current time period.

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

[0045] In this embodiment, each trial transaction of a bank card account can be recorded using a three-dimensional array (recording transaction time, trial amount, and trial result respectively) to form historical trial details, which serve as the basic data for the execution of the trial risk monitoring mechanism. Therefore, after receiving the first transaction trial request, the start and end times of the current time period (i.e., the time when the first transaction trial request was received) can be determined based on the time the first transaction trial request was received. Then, in the historical trial records, all corresponding transaction trial requests within the current time period, and the number of transaction trial requests, are searched.

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

[0047] The first threshold is the limit on the number of requests used to initiate transaction trial requests for risk monitoring. Its value can be customized based on data security needs and experimental experience.

[0048] The second threshold represents the maximum number of trial requests an account can receive within a certain timeframe. If the number of requests exceeds this threshold, it indicates that the trial requests are too frequent, potentially illegal, and pose a security risk. The second threshold can be customized to meet different security requirements or environments.

[0049] In this embodiment, if the number of received transaction trial calculation requests is greater than a first threshold but less than a second threshold, it can be determined that the number of requests received in the current time period is relatively high, which may indicate a risk of illegal trial calculation. Therefore, the transaction trial calculation system can activate a monitoring mechanism to determine whether the current transaction trial calculation is legal or illegal based on the past n transactions in the current time period, where n is an integer greater than 1 and can be the number of transaction trial calculation requests received in the current time period.

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

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

[0052] In this embodiment of the application, if the number of received transaction trial calculation requests is less than the first threshold, it can be determined that the number of received transaction trial calculation requests in the current time period is small, and there is no need to monitor the trial calculation risk of the account. Therefore, the first transaction trial calculation request can be responded to directly, the account balance can be determined to be sufficient to pay the first transaction amount, and the trial calculation result can be returned.

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

[0054] Optionally, if the number of received transaction trial calculation requests exceeds the second threshold, the first transaction trial calculation request will not be responded to.

[0055] In this embodiment of the application, if the number of received transaction calculation requests exceeds the second threshold, it can be determined that the current calculation carries a high risk, and continuing the calculation may lead to the leakage of account data. Therefore, the first transaction calculation request cannot be responded to. A calculation failure message can be returned directly, or the calculation result can be left unanswered.

[0056] Step 104: Update the current warning parameter value based on the first transaction amount, n second transaction amounts, and n trial calculation results.

[0057] In this embodiment of the application, the sequence of transaction trial calculation requests that need to be judged within a certain 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 and trial result (insufficient balance or sufficient balance), and a warning value parameter A (initialized to 0). For each transaction T1 (i is 3 to n), when each T1 satisfies any of the following rules, the current warning parameter value is incremented by 1, i.e., the current warning parameter value is updated. Rules may include:

[0058] Rule 1: If T i-2 T i-1 All order calculations showed insufficient balances, and the transaction amount for T1 was less than that for T2. i-2 and T i-1 If the transaction amount is [amount], the warning value parameter value is incremented by 1;

[0059] Rule 2: If T i-2 T i-1 All order calculations showed sufficient balances, and the transaction amount for T1 was greater than that for T. i-2 and T i-1 If the transaction amount is [amount], the warning value parameter value is incremented by 1;

[0060] Rule 3: If T i-2 T i-1 The order calculation results show one order with insufficient balance and one with sufficient balance, and the transaction amount of T1 is located at the end of T1. i-2 and T i-1 If the transaction amount is between [a certain threshold], the warning value parameter will be incremented by 1.

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

[0062] Therefore, by using the above 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 incremented by 1, until it is determined whether the (n-1)th and nth trial calculation results, as well as the first transaction amount and the (n-1)th and nth second transaction amounts, satisfy rule 1, rule 2 or rule 3, and the warning parameter value is updated.

[0063] It should be noted that the judgment on whether the first transaction amount, n second transaction amounts, and n trial calculation results meet the dichotomy characteristics can also be made using an artificial intelligence risk model. That is, the historical trial calculation transaction details and the first transaction amount within the current time period are input into the risk model. The risk model then outputs a flag indicating whether the current trial calculation carries risk, or alternatively, a risk level. Based on a template, it outputs the result and sends an instruction to the transaction trial calculation system indicating whether an error should be thrown and whether to stop returning trial calculation results.

[0064] Step 105: Based on the updated warning parameter value, determine whether to respond to the first transaction trial calculation request.

[0065] In this embodiment, 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 a pre-configured warning threshold. If the quotient is greater than the warning threshold, it can be determined that these n transaction trial calculation requests meet the binary search characteristic, and a transaction error is thrown without responding to whether the balance is sufficient, i.e., 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, i.e., the first transaction trial calculation request is responded to.

[0066] In this embodiment, a first transaction calculation request is first received, and the number of transaction calculation requests received within the current time period is determined. Then, if the number of received transaction calculation requests is greater than a first threshold but less than a second threshold, n second transaction amounts and n calculation results from the n second transaction calculation requests adjacent to the first transaction calculation request are obtained. Afterwards, based on the first transaction amount, the n second transaction amounts, and the n calculation results, the current warning parameter value is updated, and based on the updated warning parameter value, it is determined whether to respond to the first transaction calculation request. Therefore, by controlling whether to respond to the currently received transaction calculation request based on the historical number of calculation requests received within the current time period, as well as the amount and result of each calculation request, risk monitoring of the transaction calculation service can be achieved. This effectively prevents external platforms from stealing sensitive user balance information through the calculation service, thus improving the security of transaction calculation.

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

[0068] Transaction details for the current time period are as follows: Figure 2 As shown, there are five trial transaction 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 of 0.

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

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

[0071] After that, i equals 5. The trial amount of array 5 is greater than 3600 of array 4 and 3000 of array 3. The trial results of array 3 and array 4 are both sufficient balance, which meets the binary search judgment rule 2 in step 104. Therefore, the value of the warning parameter 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. Therefore, a risk error message will be thrown, and the first transaction trial calculation request will be refused, and no trial calculation result will be obtained.

[0073] Figure 3 This is a flowchart illustrating another transaction calculation method provided in an embodiment of this application.

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

[0075] Step 301: Receive the first transaction trial calculation request, wherein the first transaction trial calculation request includes the time of the first transaction.

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

[0077] Step 302: Determine the start time of the current time period based on the time of the first transaction and the preset time period length.

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

[0079] Step 303: Determine the number of transaction trial requests received at and after the start time based on the transaction times included in each received transaction trial request.

[0080] In this embodiment of the application, the transaction calculation system can store historical calculation records. Each record corresponds to a historically received transaction calculation request and may include information such as transaction time, transaction amount, and calculation result. Therefore, after determining the start time of the current time period, the system can determine the transaction time as the start time from the historical calculation records, and the number of all historical calculation records later than the start time, i.e., the number of transaction calculation requests received at and after the start time.

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

[0082] Step 305: Update the current warning parameter value based on the first transaction amount, n second transaction amounts, and n trial calculation results.

[0083] Step 306: Based on the updated warning parameter value, determine whether to respond to the first transaction trial calculation request.

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

[0085] In this embodiment, the start time of the current period is calculated by utilizing the time of the first transaction and a preset time period length. Then, based on the transaction times of each received transaction calculation request, the number of transaction calculation requests received at and after the start time is determined. This clearly defines the start time of the historical transaction calculation requests that need to be obtained, ensuring the completeness and accuracy of the acquired data and avoiding data omissions due to unclear time ranges.

[0086] Figure 4 This is a flowchart illustrating another transaction calculation method provided in an embodiment of this application.

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

[0088] Step 401: Receive the first transaction trial calculation request.

[0089] Step 402: Determine the number of transaction trial requests received within the current time period.

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

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

[0092] Step 404: Update the current warning parameter value based on the first transaction amount, n second transaction amounts, and n trial calculation results.

[0093] In this embodiment, the second transaction amount and calculation result in the historical calculation record are already determined. Therefore, the second transaction amount and calculation result in these received transaction calculation requests can be pre-sorted to obtain a stored warning parameter value. Then, it can be determined whether the relationship between the first transaction amount, n second transaction amounts, and n calculation results conforms to a preset rule. If it conforms to the preset rule, the current warning parameter value is updated.

[0094] It should be noted that the rules for updating the current warning parameter value can include: if all n trial results are insufficient balance and the first transaction amount is less than each of the second transaction amounts, the warning parameter value is incremented by 1.

[0095] Alternatively, if all n trial results show sufficient balance and the first transaction amount is greater than each of the second transaction amounts, increment the warning parameter value by 1.

[0096] Alternatively, if among the n trial results there are both sufficient and insufficient balances, and the first transaction amount is between the second transaction amount corresponding to the trial result with sufficient balance and the second transaction amount corresponding to the trial result with insufficient balance, the warning parameter value is incremented by 1.

[0097] Where n is a natural number greater than 1, and can be 2, 3, etc., this application does not limit it.

[0098] Step 405: If the warning parameter value is greater than or equal to the warning threshold, do not respond to the first transaction trial calculation request.

[0099] The warning threshold is a critical value set by dividing the warning parameter value by the number of transaction trial requests received in the current time period.

[0100] In this embodiment of the application, when the warning parameter value is greater than or equal to the warning threshold, it can be determined that the current account has low trial calculation security. In order to ensure that the account's 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, if the warning parameter value is less than the warning threshold, the first transaction trial calculation request can be responded to.

[0102] In this embodiment of the application, by judging the relationship between the warning parameter value and the warning threshold, it is determined whether to respond to the first transaction trial request. This can improve the accuracy and reliability of illegal judgment of transaction trial, further improve the security of transaction trial, thereby protecting the security of account information and improving the user experience.

[0103] Step 406: If it is determined that the first transaction trial calculation request will not be responded to, a transaction error message will be sent to the user to which the first transaction belongs.

[0104] In this embodiment of the application, by sending a transaction anomaly alert message to the user who sent the first transaction, the potential risks can be promptly notified to the user, thereby increasing the user's awareness of account and transaction security and improving the compliance and quality of the transaction calculation service.

[0105] To implement the above embodiments, this application also proposes a transaction calculation device.

[0106] Figure 5 This is a schematic diagram of the structure of a transaction calculation device provided in an embodiment of this 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 calculation request, wherein the first transaction calculation request includes a first transaction amount;

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

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

[0111] The update module 504 is used to update the current warning parameter value based on the first transaction amount, n second transaction amounts, and n trial calculation results;

[0112] The second determining module 505 is used to determine whether to respond to the first transaction trial calculation request based on the updated warning parameter value.

[0113] Furthermore, the first determining module 502 can be specifically used for:

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

[0115] Based on the transaction times included in each received transaction trial request, determine the number of transaction trial requests received at and after the start time.

[0116] Furthermore, the first determining module 502 can also be used for:

[0117] If the number of received transaction trial calculation requests is less than the first threshold, determine and return the calculation result corresponding to the first transaction trial calculation request.

[0118] Furthermore, the first determining module 502 can also be used for:

[0119] If the number of received transaction trial calculation requests exceeds the second threshold, the first transaction trial calculation request will not be responded to.

[0120] Furthermore, updating module 504 can be specifically used for:

[0121] If all n trial calculations result in insufficient balance, and the first transaction amount is less than the amount of each second transaction, increment the warning parameter value by 1; or,

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

[0123] If any of the n trial results include both sufficient and insufficient balances, and the first transaction amount falls between the second transaction amount corresponding to the trial result with sufficient balance and the second transaction amount corresponding to the trial result with insufficient balance, then the warning parameter value will be incremented by 1.

[0124] Furthermore, the second determining module 505 can be specifically used for:

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

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

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

[0128] The sending module is used to send a transaction error message to the user to which the first transaction belongs if it is determined that the first transaction trial calculation request will not be responded to.

[0129] In this embodiment of the application, by controlling whether to respond to the currently received transaction calculation request based on the number of historical calculation requests received within the current time period, as well as the amount and result of each calculation request, risk monitoring of the transaction calculation service can be achieved. This effectively prevents external platforms from stealing users' sensitive balance information through the calculation service and improves the security of transaction calculation.

[0130] To implement the above embodiments, this application also proposes an electronic device, including: 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 provided in the foregoing embodiments.

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

[0132] The memory 610 and the processor 620 are connected by a bus 630, which connects 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, it implements the business data processing method of the present disclosure embodiment.

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

[0134] Electronic device 600 typically includes a variety of electronic device readable media. These media can be any available media that can be accessed by 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 referred to as 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, DVD-ROM, or other optical media) may be provided. In these cases, each drive may be connected to bus 630 via one or more data media interfaces. Memory 610 may include at least one program product having a set (e.g., at least one) of program modules configured to perform the functions of the embodiments of this disclosure.

[0136] A program / utility 680 having a set (at least one) of program modules 670 may be stored, for example, in memory 610. Such program modules 670 include, but are not limited to, an operating system, one or more application programs, other program modules, and program data. Each or some combination of these examples may include an implementation of a network environment. Program modules 670 typically perform the functions and / or methods described in the embodiments of this disclosure.

[0137] Electronic device 600 can also communicate with one or more external devices 690 (e.g., keyboard, pointing device, display 691, etc.), and with one or more devices that enable a user to interact with electronic device 600, and / or with any device that enables electronic device 600 to communicate with one or more other computing devices (e.g., network card, modem, etc.). This communication can be performed via input / output (I / O) interface 692. Furthermore, electronic device 600 can also communicate with one or more networks (e.g., local area network (LAN), wide area network (WAN), and / or public networks, such as the Internet) via network adapter 693. As shown, network adapter 693 communicates with other modules of electronic device 600 via bus 630. It should be understood that, although not shown in the figures, other hardware and / or software modules can be used in conjunction with 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 programs stored in the memory 610.

[0139] It should be noted that the implementation process and technical principles of the electronic device in this embodiment are explained in the foregoing description of the transaction calculation method of this disclosure embodiment, and will not be repeated here.

[0140] To implement the above embodiments, this application also proposes a computer-readable storage medium storing computer-executable instructions, which, when executed by a processor, are used to implement the transaction calculation method provided in the foregoing embodiments.

[0141] To implement the above embodiments, this application also proposes a computer program product, including a computer program that, when executed by a processor, implements the transaction calculation method provided in the foregoing embodiments.

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

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

[0144] This application is intended to provide an implementation scheme for users to selectively prevent the use or access to their personal information data. Specifically, this disclosure is intended to provide hardware and / or software to prevent or block access to such personal information data. Once personal information data is no longer needed, risks can be minimized by restricting data collection and deleting data. Furthermore, where applicable, such personal information is de-identified to protect user privacy.

[0145] In the foregoing descriptions of the embodiments, the terms "one embodiment," "some embodiments," "example," "specific example," or "some examples," etc., refer to specific features, structures, materials, or characteristics described in connection with that embodiment or example, which are included in at least one embodiment or example of this application. In this specification, the illustrative expressions of the above terms do not necessarily refer to the same embodiment or example. Furthermore, the specific features, structures, materials, or characteristics described may be combined in any suitable manner in one or more embodiments or examples. Moreover, without contradiction, those skilled in the art can combine and integrate the different embodiments or examples described in this specification, as well as the features of different embodiments or examples.

[0146] Furthermore, the terms "first" and "second" are used for descriptive purposes only and should not be construed as indicating or implying relative importance or implicitly specifying the number of technical features indicated. Thus, a feature defined as "first" or "second" may explicitly or implicitly include at least one of that feature. In the description of this application, "multiple" means at least two, such as two, three, etc., unless otherwise explicitly specified.

[0147] Any process or method description in the flowchart or otherwise herein can be understood as representing a module, segment, or portion of code comprising one or more executable instructions for implementing custom logic functions or processes, and the scope of the preferred embodiments of this application includes additional implementations in which functions may be performed not in the order shown or discussed, including substantially simultaneously or in reverse order depending on the functions involved, as should be understood by those skilled in the art to which embodiments of this application pertain.

[0148] The logic and / or steps represented in the flowchart or otherwise described herein, for example, can be considered as a sequenced list of executable instructions for implementing logical functions, and can be embodied in any computer-readable medium for use by, or in conjunction with, an instruction execution system, apparatus, or device (such as a computer-based system, a processor-included system, or other system that can fetch and execute instructions from, an instruction execution system, apparatus, or device). For the purposes of this specification, "computer-readable medium" can be any means that can contain, store, communicate, propagate, or transmit programs for use by, or in conjunction with, an instruction execution system, apparatus, or device. More specific examples (a non-exhaustive list) of computer-readable media include: an electrical connection having one or more wires (electronic device), a portable computer disk drive (magnetic device), random access memory (RAM), read-only memory (ROM), erasable and editable read-only memory (EPROM or flash memory), fiber optic devices, and portable optical disc read-only memory (CDROM). Alternatively, the computer-readable medium may be paper or other suitable media on which the program can be printed, since the program can be obtained electronically, for example, by optically scanning the paper or other medium, followed by editing, interpreting, or otherwise processing as necessary, and then stored in a computer memory.

[0149] It should be understood that various parts of this application can be implemented using hardware, software, firmware, or a combination thereof. In the above embodiments, multiple steps or methods can be implemented using software or firmware stored in memory and executed by a suitable instruction execution system. For example, if implemented in hardware as in another embodiment, it can be implemented using any one or a combination of the following techniques known in the art: discrete logic circuits having logic gates for implementing logical functions on data signals, application-specific integrated circuits (ASICs) having suitable combinational logic gates, programmable gate arrays (PGAs), field-programmable gate arrays (FPGAs), etc.

[0150] Those skilled in the art will understand that all or part of the steps of the methods in the above embodiments can be implemented by a program instructing related hardware. The program can be stored in a computer-readable storage medium, and when executed, the program includes one or a combination of the steps of the method embodiments.

[0151] Furthermore, the functional units in the various embodiments of this application can be integrated into a processing module, or each unit can exist physically separately, or two or more units can be integrated into a module. The integrated module can be implemented in hardware or as a software functional module. If the integrated module is implemented as a software functional module and sold or used as an independent product, it can also be stored in a computer-readable storage medium.

[0152] The storage medium mentioned above can be a read-only memory, a disk, or an optical disk, etc. Although embodiments of this application have been shown and described above, it is understood that the above embodiments are exemplary and should not be construed as limiting this application. Those skilled in the art can make changes, modifications, substitutions, and variations to the above embodiments within the scope of this application.

Claims

1. A transaction trial calculation method, characterized in that, include: Receive a first transaction calculation request, wherein the first transaction calculation request includes a first transaction amount; Determine the number of transaction trial requests received within the current time period; If the number of received transaction calculation requests is greater than a first threshold and less than a second threshold, obtain n second transaction amounts and n calculation results from the n second transaction calculation requests adjacent to the first transaction calculation request, where n is an integer greater than 1; or, if the number of received transaction calculation requests is less than the first threshold, determine and return the calculation result corresponding to the first transaction calculation request; or, if the number of received transaction calculation requests is greater than the second threshold, do not respond to the first transaction calculation request. Based on the first transaction amount, the n second transaction amounts, and the n trial calculation results, the current warning parameter value is updated. Specifically, if all n trial calculation results are insufficient balance and the first transaction amount is less than each of the second transaction amounts, the warning parameter value is incremented by 1; or if all n trial calculation results are sufficient balance and the first transaction amount is greater than each of the second transaction amounts, the warning parameter value is incremented by 1; or if the n trial calculation results include both sufficient 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 incremented by 1. Based on the updated warning parameter value, determine whether to respond to the first transaction trial calculation request, wherein if the warning parameter value is greater than or equal to the warning threshold, do not respond to the first transaction trial calculation request, or respond to the first transaction trial calculation request if the warning parameter value is less than the warning threshold.

2. The method as described in claim 1, characterized in that, The first transaction trial calculation request includes the time of the first transaction, and determining the number of transaction trial calculation requests received within the current time period includes: The start time of the current time period is determined based on the time of the first transaction and the preset time period length. The number of transaction trial requests received at and after the start time is determined based on the transaction times included in each received transaction trial request.

3. The method as described in claim 1, characterized in that, The method further includes: If it is determined that the first transaction trial calculation request will not be responded to, a transaction error message will be sent to the user to whom the first transaction belongs.

4. A transaction calculation device, characterized in that, include: A receiving module is configured to receive a first transaction calculation request, wherein the first transaction calculation request includes a first transaction amount; The first determining module is used to determine the number of transaction trial requests received within the current time period; The acquisition module is configured to, when the number of received transaction calculation requests is greater than a first threshold and less than a second threshold, acquire n second transaction amounts and n calculation results from the n second transaction calculation requests adjacent to the first transaction calculation request, where n is an integer greater than 1; or, when the number of received transaction calculation requests is less than the first threshold, determine and return the calculation result corresponding to the first transaction calculation request; or, when the number of received transaction calculation requests is greater than the second threshold, not respond to the first transaction calculation request. The update module is used to update the current warning parameter value based on the first transaction amount, the n second transaction amounts, and the n trial calculation results. Specifically, if all n trial calculation results are for insufficient balance and the first transaction amount is less than each of the second transaction amounts, the warning parameter value is incremented by 1; or if all n trial calculation results are for sufficient balance and the first transaction amount is greater than each of the second transaction amounts, the warning parameter value is incremented by 1; or if the n trial calculation results simultaneously include both sufficient and insufficient balances, and the first transaction amount is between the second transaction amount corresponding to the trial calculation result for sufficient balance and the second transaction amount corresponding to the trial calculation result for insufficient balance, the warning parameter value is incremented by 1. The second determining module is used to determine whether to respond to the first transaction trial calculation request based on the updated warning parameter value, wherein if the warning parameter value is greater than or equal to the warning threshold, the first transaction trial calculation request is not responded to, or if the warning parameter value is less than the warning threshold, the first transaction trial calculation request is responded to.

5. An electronic device, characterized in that, include: A processor, and a memory communicatively connected to the processor; The memory stores computer-executed instructions; The processor executes computer execution instructions stored in the memory to implement the transaction calculation method as described in any one of claims 1-3.

6. 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 calculation method as described in any one of claims 1-3.

7. A computer program product, characterized in that, Includes a computer program that, when executed by a processor, implements the transaction calculation method according to any one of claims 1-3.

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