CN104980403A - Method and device for processing business request - Google Patents
Method and device for processing business request Download PDFInfo
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Abstract
An embodiment of the invention provides a method for processing a business request. The method comprises the following steps that a server receives a business request which is sent by a first client to transfer virtual resources to an account of a second client, wherein the business request comprises an account of the first client, the account of the second client and information of to-be-transferred virtual resources; the server queries credit corresponding to the account of the second client, wherein the credit is computed by the server according to the activity level, the consumption custom level and the abnormal behavior level of the account of the second client; and if the credit is smaller than a first threshold, the server forbids the transferring of the to-be-transferred virtual resources to the second client. In addition, the embodiment of the invention also discloses a device for processing the business request. According to the method and the device for processing the business request, the virtual property of a user can be effectively protected.
Description
Technical field
The present invention relates to computer technology, particularly relate to a kind of processing method and device of service request.
Background technology
Along with developing rapidly of the Internet paying value-added service, user can buy virtual assets, such as Q coin for oneself, and game gold coin, the equipment etc. of virtual portrait, also can buy for other people (namely giving consumption).Buy virtual assets, usually only need to provide account number cipher and payment cipher, complete twice checking and just can buy, in this process, the step of most critical is the double code obtaining account number.But lawless person can obtain the double code of account number by modes such as fishing, wooden horses, then the virtual assets of user is transferred to the account number of oneself by the mode of giving, reach the object of profit, cause immeasurable economic loss to user.
Summary of the invention
In view of this, the invention provides a kind of processing method and device of service request, can the virtual assets of available protecting user.
The processing method of a kind of service request that the embodiment of the present invention provides, comprise: server receives the service request of the transfer of the account number to the second client virtual resource that the first client sends, and described service request comprises the information of the account number of the first client, the account number of the second client and virtual resource to be transferred; Credit rating corresponding to the account number of described server lookup and the second client, described credit rating is obtained according to the activity level of the account number of described second client, consumption habit grade and abnormal behaviour rating calculation by described server; And if described credit rating is less than first threshold, then described server judges that described service request is as abnormal request, and forbids the account number described virtual resource to be transferred being transferred to described second client.
The processing unit of a kind of service request that the embodiment of the present invention provides, run on server, comprise: service request receiver module, for receiving the service request of the transfer of the account number to the second client virtual resource that the first client sends, described service request comprises the information of the account number of the first client, the account number of the second client and virtual resource to be transferred; Credit rating enquiry module, for inquiring about and the credit rating corresponding to the account number of the second client, described credit rating is obtained according to the activity level of the account number of described second client, consumption habit grade and abnormal behaviour rating calculation by described server; And service request processing module, if be less than first threshold for described credit rating, then judge that described service request is as abnormal request, forbid described virtual resource to be transferred to be transferred to described second client.
The processing method of the above-mentioned service request that the embodiment of the present invention provides and device, by the credit rating of target account number in inquiry business request (namely the account number of the second client), and judge that whether this service request is abnormal according to the credit rating of target account number, if the credit rating of target account number is less than first threshold, then can judge that this service request is as abnormal request, and forbid virtual resource to be transferred to be transferred to target account number, virtual resource is transferred directly in the account number of oneself by consumption pattern lawless person so can be avoided to pass through to give etc., effectively can protect the virtual assets of user.
For above and other object of the present invention, feature and advantage can be become apparent, preferred embodiment cited below particularly, and coordinate institute's accompanying drawings, be described in detail below.
Accompanying drawing explanation
Fig. 1 is the processing method of service request provided by the invention and a kind of applied environment figure of device.
Fig. 2 shows a kind of structured flowchart that can be applicable to the server of the embodiment of the present invention.
The flow chart of the processing method of the service request that Fig. 3 provides for first embodiment of the invention.
The flow chart of the processing method of the service request that Fig. 4 provides for second embodiment of the invention.
The flow chart of the processing method of the service request that Fig. 5 provides for third embodiment of the invention.
The applied environment schematic diagram of one application examples of the processing method of the service request that Fig. 6 provides for third embodiment of the invention.
Fig. 7 is that in third embodiment of the invention, service request is flow chart when giving consumer requests.
The flow chart that Fig. 8 is the service request in Fig. 7 when being normal request.
The structural representation of the processing unit of the service request that Fig. 9 provides for fourth embodiment of the invention.
The structural representation of the processing unit of the service request that Figure 10 provides for fifth embodiment of the invention.
Figure 11 is the structural representation of credit rating computing module in Figure 10.
The structural representation of the treatment system of the service request that Figure 12 provides for sixth embodiment of the invention.
Embodiment
The processing method of the service request that the embodiment of the present invention provides can be applicable to, in applied environment as shown in Figure 1, realize the process to service request.As shown in Figure 1, user terminal 100, server 200 are arranged in wireless network or cable network 300, and by this wireless network or cable network 300, user terminal 100 and server 200 carry out data interaction.
User terminal 100 can comprise smart mobile phone, panel computer, E-book reader, MP3 player (Moving Picture Experts Group Audio Layer III, dynamic image expert compression standard audio frequency aspect 3), MP4(Moving Picture Experts Group Audio Layer IV, dynamic image expert compression standard audio frequency aspect 4) player, pocket computer on knee, desktop computer computer, vehicle-mounted computer, Wearable mobile terminal etc.
Fig. 2 shows a kind of structured flowchart of server.As shown in Figure 2, server 200 comprises: memory 201, processor 202 and mixed-media network modules mixed-media 203.
Be appreciated that the structure shown in Fig. 2 is only signal, server 200 also can comprise than assembly more or less shown in Fig. 2, or has the configuration different from shown in Fig. 2.Each assembly shown in Fig. 2 can adopt hardware, software or its combination to realize.In addition, the server in the embodiment of the present invention can also comprise the server of multiple concrete difference in functionality.
Memory 201 can be used for storing software program and module, as the processing method of the service request in the embodiment of the present invention and program command/module corresponding to device, processor 202 is by running the software program and module that are stored in memory 201, thus perform the application of various function and data processing, namely realize the processing method of the service request in the embodiment of the present invention.Memory 201 can comprise high speed random asccess memory, also can comprise nonvolatile memory, as one or more magnetic storage device, flash memory or other non-volatile solid state memories.In some instances, memory 201 can comprise the memory relative to the long-range setting of processor 202 further, and these remote memories can be connected to server 200 by network.Further, above-mentioned software program and module also can comprise: operating system 221 and service module 222.Wherein operating system 221, such as can be LINUX, UNIX, WINDOWS, it can comprise the various component software for management system task (such as memory management, memory device control, power management etc.) and/or driving, and can with various hardware or the mutual communication of component software, thus provide the running environment of other component softwares.Service module 222 operates on the basis of operating system 221, and monitors the request of automatic network by the network service of operating system 221, completes corresponding data processing, and return result to client according to request.That is, service module 222 is for providing services on the Internet to client.
Mixed-media network modules mixed-media 203 is for receiving and sending network signal.Above-mentioned network signal can comprise wireless signal or wire signal.In an example, above-mentioned network signal is cable network signal.Now, mixed-media network modules mixed-media 203 can comprise the elements such as processor, random asccess memory, transducer, crystal oscillator.
In the embodiment of the present invention, client can be installed on user terminal 100.In the embodiment of the present invention, client is bound mutually with user account number, user account number is the usersaccount information of the various application being installed on user terminal 100, such as: the user that user logs in account number, the user of browser logs in account number or game is applied of instant messaging application (such as QQ, micro-letter etc.) in user terminal 100 logs in account number etc., user in user terminal 100, input this user account number and password can log in corresponding application and use the miscellaneous service that server 200 provides.When user uses this client first time, client can guide user to carry out account number binding, and client can be bound with one or more account numbers of user, and user also can arrange in interface in client the binding removing client and user account number.Preferably, in the process of binding, user needs to input client and is sent to identifying code in mobile phone to complete binding.Bind rear client and the essential information of user account number and account number can be reported service end.When user account number logs in the client without binding, it is abnormal that this mobile phone can notify that user's account logs in, and user can time update password.In the embodiment of the present invention, the user account number bound with the first client is called the account number of the first client, and the user account number bound with the second client is called the account number of the second client.First client and the second client can be installed on a user terminal simultaneously, also can be installed on different user terminals.
The running environment of the embodiment of the present invention can also comprise virtual resource system and payment system.Virtual resource system and payment system are intercomed with user terminal 100 and server 200 phase by wireless network or cable network.
Virtual resource system can be the server of the various information for recording virtual resource, and the various information of virtual resource comprise the information such as the kind of virtual resource, quantity, ownership information, transfer record.Virtual resource in the embodiment of the present invention comprises ideal money and virtual objects.Wherein, ideal money refers to fict currency, can comprise various game money, for buying the special currency (as Q coin etc.) of website service or the Internet money (as bit coin etc.) for the Internet financial investment.Virtual objects refers to the article be derived from virtual network world, mainly comprises the various equipments (such as weapon etc.) of game, dress up (such as the clothes etc.) of virtual role, etc.
Payment system can be the server of the account information of the ideal money that the account number for recording each client has.
For further setting forth the present invention for the technological means that realizes predetermined goal of the invention and take and effect, below in conjunction with accompanying drawing and preferred embodiment, to according to the specific embodiment of the present invention, structure, feature and effect thereof, be described in detail as follows.
First embodiment
The flow chart of the processing method of the service request that Fig. 3 provides for first embodiment of the invention.Composition graphs 1, what the present embodiment described is the handling process of server, and the processing method of the service request that the present embodiment provides comprises the following steps:
Step S11, server receives the service request of the transfer of the account number to the second client virtual resource that the first client sends, and described service request comprises the information of the account number of the first client, the account number of the second client and virtual resource to be transferred.
If the user of the first client wishes user virtual resource being transferred to the second client, the user of the first client can send the service request of transfer virtual resource by the first user end to server 200.The account number of the first client, the account number (namely target account number) of the second client and the information of virtual resource to be transferred can be comprised in service request.
Virtual resource to be transferred can be the virtual resource of user oneself, and namely ownership is the virtual resource of the first client account number, the virtual resource that also can be provided by virtual resource system, buy for user.If system provide, for user buy virtual resource, first client can send service request to server 200, virtual resource in the virtual resource system that user specifies by request server 200 is given to the user of the second client, and then the first client pays corresponding expense by payment system again.If virtual resource to be transferred is the virtual resource of user oneself, first client can send service request to server 200, and user specifies by the request server 200 and virtual resource belonging to the account number of the first client is given to the user of the second client.
Step S12, the credit rating corresponding to the account number of described server lookup and the second client, described credit rating is obtained according to the activity level of the account number of described second client, consumption habit grade and abnormal behaviour rating calculation by described server.
Credit rating corresponding to the account number of each client can store in the server in advance, is obtained according to the activity level of the account number of each client, consumption habit grade and abnormal behaviour rating calculation by server.
Wherein, the data that log in of the account number of each client can be carried out quantification and are obtained activity level, described in log in data and can comprise the number of times or number of days that log in.The consumption data of the account number of each client is carried out quantification and obtains consumption habit grade, described consumption data can comprise described account number in the consumption number of times of each business.The abnormal behaviour of the account number of each client is quantified as described abnormal behaviour grade, described abnormal behaviour can comprise login time abnormal, log in that place is abnormal, spending amount is abnormal, have in the text data that sends to other account numbers or image data abnormal, by the report of other account numbers and removed one or more in customer relationship by other account numbers.Concrete quantizing rule and corresponding grade can be formulated according to concrete data type, and the specific embodiment of the present invention is not as limit.
Step S13, if described credit rating is less than first threshold, then described server judges that described service request is as abnormal request, and forbids the account number described virtual resource to be transferred being transferred to described second client.
In step S13, described server is while forbidding that described virtual resource to be transferred is transferred to described second client, can also server by the mobile terminal of the account number binding with described first client or give a warning to user with the 3rd client of the account number binding of described first client, warn the account number of described user first client may be stolen.
The processing method of the service request that the embodiment of the present invention provides, by the credit rating of target account number in inquiry business request (namely the account number of the second client), and judge that whether this service request is abnormal according to the credit rating of target account number, if the credit rating of target account number is less than first threshold, then can judge that this service request is as abnormal request, and forbid virtual resource to be transferred to be transferred to target account number, virtual resource is transferred directly in the account number of oneself by consumption pattern lawless person so can be avoided to pass through to give etc., effectively can protect the virtual assets of user.
Second embodiment
The flow chart of the processing method of the service request that Fig. 4 provides for second embodiment of the invention.Composition graphs 1, what the present embodiment described is the handling process of server, and the processing method of the service request that the present embodiment provides comprises the following steps:
Step S201, the account number Operation Log corresponding to account number of all clients of collects.
Step S202, according to described account number Operation Log, obtains the activity level of the account number of each client, consumption habit grade and abnormal behaviour grade.
Concrete, the data volume that logs in of the account number of each client recorded in described account number Operation Log can be turned to described activity level, described in log in data and comprise the number of times or number of days that log in; The consumption data of the account number of each client recorded in described account number Operation Log is quantified as described consumption habit grade, and described consumption data comprises described account number in the consumption number of times of each business; And the abnormal behaviour of the account number of each client recorded in described account number Operation Log is quantified as described abnormal behaviour grade, described abnormal behaviour comprise login time abnormal, log in that place is abnormal, spending amount is abnormal, have in the text data that sends to other account numbers or image data abnormal, by the report of other account numbers and removed one or more in customer relationship by other account numbers.
Step S203, calculates the quadratic approach of described activity level, consumption habit grade and abnormal behaviour grade.
Step S204, is stored in the credit rating of described quadratic approach as the account number of described second client in described server.
Step S201 to step S204 is mainly used in the credit rating calculating account number, can in advance the real-time credit degree of each account number be calculated in presence server according to step S201 to step S204, also after can receiving service request, calculate, the specific embodiment of the present invention is not as limit again.
Step S205, server receives the service request of the transfer of the account number to the second client virtual resource that the first client sends, and described service request comprises the information of the account number of the first client, the account number of the second client and virtual resource to be transferred.
Step S206, the credit rating corresponding to the account number of described server lookup and the second client.
Step S207, judge whether described credit rating is less than first threshold, if described credit rating is less than first threshold, then perform step S208, judge that described service request is as abnormal request, and forbid the account number described virtual resource to be transferred being transferred to described second client, otherwise, perform step S209.
Step S209, judge whether described credit rating is more than or equal to Second Threshold (described Second Threshold is more than or equal to first threshold), if described credit rating is more than or equal to Second Threshold, then perform step S210, judge that described service request is as normal request, and described service request is processed, otherwise, perform step S211.
Step S211, judge that described service request is as suspicious requests, described server is by the mobile terminal of the account number binding with described first client or give a warning to user with the 3rd client of the account number binding of described first client, warn the account number of described user first client possibility stolen, and ask user to be confirmed whether as my operation.
The processing method of the service request that the embodiment of the present invention provides, by the credit rating of target account number in inquiry business request (namely the account number of the second client), and judge that whether this service request is abnormal according to the credit rating of target account number, if the credit rating of target account number is less than first threshold, then can judge that this service request is as abnormal request, and forbid virtual resource to be transferred to be transferred to target account number, virtual resource is transferred directly in the account number of oneself by consumption pattern lawless person so can be avoided to pass through to give etc., effectively can protect the virtual assets of user.
3rd embodiment
The flow chart of the processing method of the service request that Fig. 5 provides for third embodiment of the invention.Composition graphs 1, what the present embodiment described is the interaction process flow process of client and server, and the processing method of the service request that the present embodiment provides comprises the following steps:
Step S301, the first user end to server sends the service request of the account number transfer virtual resource to the second client, and described service request comprises the information of the account number of the first client, the account number of the second client and virtual resource to be transferred.
Step S302, server is inquired about and the credit rating corresponding to the account number of the second client in a database, and described credit rating is obtained according to the activity level of the account number of described second client, consumption habit grade and abnormal behaviour rating calculation by described server.
Step S303, server judges whether described credit rating is less than first threshold.
Step S304, if described credit rating is less than first threshold, then judges that described service request is as abnormal request, and forbids the account number described virtual resource to be transferred being transferred to described second client.
Step S305, if described credit rating is more than or equal to first threshold, judges whether described credit rating is more than or equal to Second Threshold (described Second Threshold is more than or equal to first threshold).
Step S306, if described credit rating is more than or equal to Second Threshold, judges that described service request is as normal request, and processes described service request.
Step S307, if described credit rating is less than Second Threshold, judge that described service request is as suspicious requests, described server is by the mobile terminal of the account number binding with described first client or give a warning to user with the 3rd client of the account number binding of described first client, warns the account number of described user first client possibility stolen.
For further illustrating the processing method of the service request that the embodiment of the present invention provides, be described for an application example below with reference to Fig. 6.
In this application example, as shown in Figure 6, the function of server 200 can be realized jointly by credit rating calculation server 200a, credit rating storage server 200b and Service Process Server 200c.The record of the various operations of the account number of each client of credit rating calculation server 200a periodic collection, namely account number Operation Log, such as: log in, send message, the record sending the operation such as advertisement, browsing page, E-Payment and consumption to other user account numbers and by the number of times reported, etc.
Due to lawless person attempt the virtual assets in user account number to be transferred in the account number of oneself by giving the behaviors such as consumption time, usually a liveness can be used not high, do not possess normal users consumption habit, and there is the account number of certain abnormal behaviour (such as being reported by user), therefore, credit rating calculation server 200a can according to account number Operation Log, from the account number of client in activity level, consumption habit grade and these three dimensions of abnormal behaviour grade weigh the credit rating of account number, activity level can reflect the liveness of account number, consumption habit grade can reflect the consumption habit of account number, abnormal behaviour grade can reflect the abnormal conditions of account number.
Preferably, consumption habit grade can quantize according to the consumption number of times of account number in the consumption service relevant to virtual resource to be transferred, such as, consumption number of times etc. in presentation business.
Credit coefficient corresponding to three dimensions is a, b, c, and wherein, a, b, c draw according to a large amount of account number sample analyses, such as a=0.3, b=1, c=-2.Suppose that the activity level of the account number of client represents with x, consumption habit grade y represents, and abnormal behaviour grade z represents, so the credit rating Credit of account number X is Credit (X)=a*x+b*y+c*z.
Such as, account number logged in the activity level that number of days is quantified as account number, quantizing rule is such as logging in 0 day, and activity level is 0, and account number often more logs in 1 day, and corresponding activity level also increases by 1 grade; Account number is turned to the consumption habit grade of account number at the consumption sub-quantity of certain business, quantizing rule is such as consumption 0 time, and consumption habit grade is 0, and account number often more consumes 1 time, and corresponding consumption habit grade also increases by 1 grade; Account number is turned to abnormal behaviour grade by the sub-quantity that other account numbers are reported, quantizing rule is such as by report 0 time, and abnormal behaviour grade is 0, is often reported 1 time more, and corresponding abnormal behaviour grade also increases by 1 grade.
Suppose in nearest one month, the login number of days of account number UA1 is 3 days (namely activity level is 3), be zero (namely consumption habit grade is 0) at the consumption number of times of N business, reported 3 times (namely abnormal behaviour grade is 3) by other users, then credit rating calculation server 200a calculates credit rating Credit (UA1, N)=0.3*3+1*0+ (-2) the * 3=-5.1 of account number UA1.
Suppose at nearest one month, the login number of days of account number UA2 is 8 days (namely activity level is 8), be zero (namely consumption habit grade is 0) at the consumption number of times of N business, reported 1 time (namely abnormal behaviour grade is 1) by other users, then credit rating calculation server 200a calculates credit rating Credit (UA2, N)=0.3*8+1*0+ (-2) the * 1=0.4 of account number UA1.
Suppose at nearest one month, the login number of days of account number UA3 is 15 days (namely activity level is 15), be 2 times (namely consumption habit grade is 2) at the consumption number of times of N business, not by other users report (namely abnormal behaviour grade is 0), then credit rating calculation server 200a calculates credit rating Credit (UA3, N)=0.3*15+1*2+ (-2) the * 0=6.5 of account number UA1.Account number UA1, the credit rating that UA2, UA3 are corresponding can be stored in credit rating storage server 200b.
Please refer to Fig. 7, to give consumption, the idiographic flow of the processing method of the service request that the embodiment of the present invention provides is as follows:
The account number of the client #2 of the account number of the client #1 that user A and B that instant messaging applies (such as QQ) applies respectively by instant messaging and instant messaging application logs on the Service Process Server 200c of instant messaging application, Service Process Server 200c is by after the user rs authentication of user A and B, and the ideal money needed for the virtual objects given for user and every part virtual objects is presented at client #1 by notice virtual resource system.
User A selects to give to the virtual objects G of user B at client #1, when user A determines after click client #1 as " giving " button, client #1 to give the service request of virtual objects G to Service Process Server 200c transmission to client #2.Service request comprises the account number of client #1 and the account number of client #2, and the information of virtual objects G.
The credit rating corresponding to account number of Service Process Server 200c inquiring client terminal #2 in credit rating storage server 200b.Suppose that the account number of client #2 is account number UA1, the credit rating that Service Process Server 200c can inquire account number UA1 is-5.1; Suppose that the account number of client #2 is account number UA2, the credit rating that Service Process Server 200c can inquire account number UA2 is 0.4; Suppose that the account number of client #2 is account number UA3, the credit rating that Service Process Server 200c can inquire account number UA3 is 6.5.
First threshold and Second Threshold also draw according to great amount of samples analysis, such as first threshold can be 0, Second Threshold can be 5, that is, if the credit rating of target account number is greater than 5 in service request, then can judge that this service request is normal request, if the credit rating of target account number is less than 0 in service request, then can judge that this service request is abnormal request, if the credit rating of target account number is more than or equal to 0 and is less than 5 in service request, then can judge that service request is suspicious requests.
Suppose that the account number of client #2 is account number UA1, Service Process Server 200c can be-5.1 according to the credit rating of account number UA1, judge that this service request is abnormal request, directly forbid virtual objects G to give to the account number of client #2, namely forbid that this gives consumption.Service Process Server 200c can also give a warning by the mobile terminal of the account number binding with client #1 (such as mobile phone) or with the 3rd client (such as the client of micro-letter) of the account number binding of client #2 to user, and the account number of warning subscription client #1 may be stolen.
Suppose that the account number of client #2 is account number UA2, Service Process Server 200c can be 0.4 according to the credit rating of account number UA2, judge that this service request is as suspicious requests, Service Process Server 200c can give a warning by the mobile terminal of the account number binding with client #1 (such as mobile phone) or with the 3rd client (such as the client of micro-letter) of the account number binding of client #2 to user, the account number of warning subscription client #1 may be stolen, please user be confirmed whether as my operation, until user confirm as operate in person time, again this service request is processed.
Suppose that the account number of client #2 is account number UA3, Service Process Server 200c can be 6.5 according to the credit rating of account number UA3, judges that this service request is as normal request, and processes this service request.
Please refer to Fig. 8, if this service request is normal request, Service Process Server 200c can notify that client #1 pays, and client #1 guides user A to enter payment system.Service Process Server 200c inquires about the accounts information of the ideal money of user A in payment system.
If the remaining sum of ideal money is less than the ideal money needed for virtual objects G in the account of user A, then payment system can informing business processing server 200c this pays unsuccessfully, Service Process Server 200c returns the failed information of payment to client #1.
If the remaining sum of ideal money is equal to or greater than the ideal money needed for virtual objects G in the account of user A, then payment system deducts the ideal money needed for virtual objects G from the ideal money account of user A, and informing business processing server 200c and virtual resource system this pay successfully, Service Process Server 200c can return to client #1 and pay successful information, virtual resource system is then by the account number of virtual objects G stored in client #2, namely stored in the virtual objects database of user B, and informing business processing server 200c gives successfully, Service Process Server 200c returns to client #1 and gives successful information, and the relevant information of giving is sent to client #2, the information of such as donor and the information etc. of complementary items.
The processing method of the service request that the embodiment of the present invention provides, by the credit rating of target account number in inquiry business request (namely the account number of the second client), and judge that whether this service request is abnormal according to the credit rating of target account number, if the credit rating of target account number is less than first threshold, then can judge that this service request is as abnormal request, and forbid virtual resource to be transferred to be transferred to target account number, virtual resource is transferred directly in the account number of oneself by consumption pattern lawless person so can be avoided to pass through to give etc., effectively can protect the virtual assets of user.
4th embodiment
The structural representation of the processing unit of the service request that Fig. 9 provides for fourth embodiment of the invention.Please refer to Fig. 9, the device that the present embodiment proposes can run on server, and for realizing the method that above-described embodiment proposes, the device 40 in the present embodiment can comprise:
Service request receiver module 41, for receiving the service request of the transfer of the account number to the second client virtual resource that the first client sends, described service request comprises the information of the account number of the first client, the account number of the second client and virtual resource to be transferred;
Credit rating enquiry module 42, for inquiring about and the credit rating corresponding to the account number of the second client, described credit rating is obtained according to the activity level of the account number of described second client, consumption habit grade and abnormal behaviour rating calculation by described server; And
Service request processing module 43, if be less than first threshold for described credit rating, then judges that described service request is as abnormal request, forbids described virtual resource to be transferred to be transferred to described second client.Wherein, described virtual resource to be transferred comprises: ideal money or virtual objects.
Each module can be by software code realization above, and now, above-mentioned each module can be stored in memory 201.Each module can be realized by hardware such as integrated circuit (IC) chip equally above.
The present embodiment, to the detailed process of each Implement of Function Module of the processing unit 40 of service request function separately, refers to the particular content of above-mentioned Fig. 1 to middle description embodiment illustrated in fig. 8, repeats no more herein.
The processing unit of the service request that the embodiment of the present invention provides, by the credit rating of target account number in inquiry business request (namely the account number of the second client), and judge that whether this service request is abnormal according to the credit rating of target account number, if the credit rating of target account number is less than first threshold, then can judge that this service request is as abnormal request, and forbid virtual resource to be transferred to be transferred to target account number, virtual resource is transferred directly in the account number of oneself by consumption pattern lawless person so can be avoided to pass through to give etc., effectively can protect the virtual assets of user.
5th embodiment
The structural representation of the processing unit of the service request that Figure 10 provides for fifth embodiment of the invention.Please refer to Figure 10, the device that the present embodiment proposes can run on server, and for realizing the method that above-described embodiment proposes, the device 50 in the present embodiment can comprise:
Credit rating computing module 51, for collect described second client account number corresponding to account number Operation Log, according to described account number Operation Log, obtain the activity level of the account number of described second client, consumption habit grade and abnormal behaviour grade, calculate the quadratic approach of described activity level, consumption habit grade and abnormal behaviour grade, and the credit rating of described quadratic approach as the account number of described second client is stored in described server.
Service request receiver module 52, for receiving the service request of the transfer of the account number to the second client virtual resource that the first client sends, described service request comprises the information of the account number of the first client, the account number of the second client and virtual resource to be transferred;
Credit rating enquiry module 53, for inquiring about and the credit rating corresponding to the account number of the second client, described credit rating is obtained according to the activity level of the account number of described second client, consumption habit grade and abnormal behaviour rating calculation by described server; And
Service request processing module 54, if be less than first threshold for described credit rating, then judges that described service request is as abnormal request, forbids described virtual resource to be transferred to be transferred to described second client.Wherein, described virtual resource to be transferred comprises: ideal money or virtual objects.
Further, please refer to Figure 11, described credit rating computing module 53 can comprise:
Activity level quantifying unit 531, the data volume that logs in for the account number by the second client recorded in described account number Operation Log turns to described activity level, described in log in data and comprise the number of times or number of days that log in;
Consumer behavior grade quantizing unit 532, the consumption data for the account number by the second client recorded in described account number Operation Log is quantified as described consumption habit grade, and described consumption data comprises described account number in the consumption number of times of each business; And
Abnormal behaviour grade quantizing unit 533, abnormal behaviour for the account number by the second client recorded in described account number Operation Log is quantified as described abnormal behaviour grade, described abnormal behaviour comprise login time abnormal, log in that place is abnormal, spending amount is abnormal, have in the text data that sends to other account numbers or image data abnormal, by the report of other account numbers and removed one or more in customer relationship by other account numbers.
Further, described service request processing module 54 can also be used for: if described credit rating is more than or equal to Second Threshold, then judge that described service request is as normal request, and process described service request, wherein, described Second Threshold is more than or equal to first threshold.
Further, while service request processing module 54 forbids that described virtual resource to be transferred is transferred to described second client, can also give a warning to user by the mobile terminal of the account number binding with described first client or with the 3rd client of the account number binding of described first client, warn the account number of described user first client possibility stolen.
Further, described service request processing module 54 can also be used for: if described credit rating is more than or equal to first threshold and is less than Second Threshold, then judge that described service request is as suspicious requests, by the mobile terminal of the account number binding with described first client or give a warning to user with the 3rd client of the account number binding of described first client, warn the account number of described user first client possibility stolen, and ask user to be confirmed whether as my operation.Wherein, Second Threshold is greater than first threshold.
Each module can be by software code realization above, and now, above-mentioned each module can be stored in memory 201.Each module can be realized by hardware such as integrated circuit (IC) chip equally above.
The present embodiment, to the detailed process of each Implement of Function Module of the processing unit 50 of service request function separately, refers to the particular content of above-mentioned Fig. 1 to middle description embodiment illustrated in fig. 8, repeats no more herein.
The processing unit of the service request that the embodiment of the present invention provides, by the credit rating of target account number in inquiry business request (namely the account number of the second client), and judge that whether this service request is abnormal according to the credit rating of target account number, if the credit rating of target account number is less than first threshold, then can judge that this service request is as abnormal request, and forbid virtual resource to be transferred to be transferred to target account number, virtual resource is transferred directly in the account number of oneself by consumption pattern lawless person so can be avoided to pass through to give etc., effectively can protect the virtual assets of user.
6th embodiment
The structural representation of the treatment system of the service request that Figure 12 provides for third embodiment of the invention.Referring to Fig. 6, the system 60 that the present embodiment proposes can comprise:
First client 61, second client 62, credit rating calculation server 200a, credit rating storage server 200b, service request processing server 200c, virtual resource system 66 and payment system 67.Wherein, the first client 61 and the second client 62 can be installed on a user terminal 100 simultaneously, also can be installed on different user terminals 100.
As previously mentioned, virtual resource system 66 can be the server of the various information for recording virtual resource.Payment system 67 can be the server of the account information of the ideal money that the account number for recording each client has.
The present embodiment realizes the detailed process of respective function to each client of the treatment system 60 of service request, server, refers to the particular content of above-mentioned Fig. 1 to middle description embodiment illustrated in fig. 8, repeats no more herein.
It should be noted that, each embodiment in this specification all adopts the mode of going forward one by one to describe, and what each embodiment stressed is the difference with other embodiments, between each embodiment identical similar part mutually see.For device class embodiment, due to itself and embodiment of the method basic simlarity, so description is fairly simple, relevant part illustrates see the part of embodiment of the method.
It should be noted that, in this article, the such as relational terms of first and second grades and so on is only used for an entity or operation to separate with another entity or operating space, and not necessarily requires or imply the relation that there is any this reality between these entities or operation or sequentially.And, term " comprises ", " comprising " or its any other variant are intended to contain comprising of nonexcludability, thus make to comprise the process of a series of key element, method, article or device and not only comprise those key elements, but also comprise other key elements clearly do not listed, or also comprise by the intrinsic key element of this process, method, article or device.When not more restrictions, the key element limited by statement " comprising ... ", and be not precluded within process, method, article or the device comprising key element and also there is other identical element.
One of ordinary skill in the art will appreciate that all or part of step realizing above-described embodiment can have been come by hardware, the hardware that also can carry out instruction relevant by program completes, program can be stored in a kind of computer-readable recording medium, the above-mentioned storage medium mentioned can be read-only memory, disk or CD etc.
Above, it is only preferred embodiment of the present invention, not any pro forma restriction is done to the present invention, although the present invention discloses as above with preferred embodiment, but and be not used to limit the present invention, any those skilled in the art, do not departing within the scope of technical solution of the present invention, make a little change when the technology contents of above-mentioned announcement can be utilized or be modified to the Equivalent embodiments of equivalent variations, in every case be do not depart from technical solution of the present invention content, according to any simple modification that technical spirit of the present invention is done above embodiment, equivalent variations and modification, all still belong in the scope of technical solution of the present invention.
Claims (14)
1. a processing method for service request, is characterized in that, comprising:
Server receives the service request of the transfer of the account number to the second client virtual resource that the first client sends, and described service request comprises the information of the account number of the first client, the account number of the second client and virtual resource to be transferred;
Credit rating corresponding to the account number of described server lookup and the second client, described credit rating is obtained according to the activity level of the account number of described second client, consumption habit grade and abnormal behaviour rating calculation by described server; And
If described credit rating is less than first threshold, then described server judges that described service request is as abnormal request, and forbids the account number described virtual resource to be transferred being transferred to described second client.
2. method according to claim 1, is characterized in that, described method also comprises:
If described credit rating is more than or equal to Second Threshold, then described server judges that described service request is as normal request, and processes described service request, and wherein, described Second Threshold is more than or equal to first threshold.
3. method according to claim 2, is characterized in that, described Second Threshold is greater than first threshold, and described method also comprises:
If described credit rating is more than or equal to first threshold and is less than Second Threshold, then described server judges that described service request is as suspicious requests, described server is by the mobile terminal of the account number binding with described first client or give a warning to user with the 3rd client of the account number binding of described first client, warn the account number of described user first client possibility stolen, and ask user to be confirmed whether as my operation.
4. method according to claim 1, is characterized in that, described server forbids the step described virtual resource to be transferred being transferred to described second client, also comprises:
Described server is by the mobile terminal of the account number binding with described first client or give a warning to user with the 3rd client of the account number binding of described first client, warns the account number of described user first client possibility stolen.
5. method according to claim 1, is characterized in that, described server also comprises before receiving the step of the service request of the transfer of the account number to the second client virtual resource that the first client sends:
The account number Operation Log corresponding to account number of the second client described in described collects;
According to described account number Operation Log, obtain the activity level of the account number of described second client, consumption habit grade and abnormal behaviour grade;
Calculate the quadratic approach of described activity level, consumption habit grade and abnormal behaviour grade; And
The credit rating of described quadratic approach as the account number of described second client is stored in described server.
6. method according to claim 1, is characterized in that, described virtual resource to be transferred comprises: ideal money or virtual objects.
7. method according to claim 1, is characterized in that, described according to described account number Operation Log, obtains the step of the activity level of the account number of described second client, consumption habit grade and abnormal behaviour grade, comprising:
The data volume that logs in of the account number of the second client recorded in described account number Operation Log is turned to described activity level, described in log in data and comprise the number of times or number of days that log in;
The consumption data of the account number of the second client recorded in described account number Operation Log is quantified as described consumption habit grade, and described consumption data comprises described account number in the consumption number of times of each business; And
The abnormal behaviour of the account number of the second client recorded in described account number Operation Log is quantified as described abnormal behaviour grade, described abnormal behaviour comprise login time abnormal, log in that place is abnormal, spending amount is abnormal, have in the text data that sends to other account numbers or image data abnormal, by the report of other account numbers and removed one or more in customer relationship by other account numbers.
8. a processing unit for service request, runs on server, it is characterized in that, comprising:
Service request receiver module, for receiving the service request of the transfer of the account number to the second client virtual resource that the first client sends, described service request comprises the information of the account number of the first client, the account number of the second client and virtual resource to be transferred;
Credit rating enquiry module, for inquiring about and the credit rating corresponding to the account number of the second client, described credit rating is obtained according to the activity level of the account number of described second client, consumption habit grade and abnormal behaviour rating calculation by described server; And
Service request processing module, if be less than first threshold for described credit rating, then judges that described service request is as abnormal request, forbids described virtual resource to be transferred to be transferred to described second client.
9. device according to claim 8, is characterized in that, described service request processing module also for:
If described credit rating is more than or equal to Second Threshold, then judge that described service request is as normal request, and process described service request, wherein, described Second Threshold is more than or equal to first threshold.
10. device according to claim 9, is characterized in that, described Second Threshold is greater than first threshold, described service request processing module also for:
If described credit rating is more than or equal to first threshold and is less than Second Threshold, then judge that described service request is as suspicious requests, by the mobile terminal of the account number binding with described first client or give a warning to user with the 3rd client of the account number binding of described first client, warn the account number of described user first client possibility stolen, and ask user to be confirmed whether as my operation.
11. devices according to claim 8, it is characterized in that, while described service request processing module forbids that described virtual resource to be transferred is transferred to described second client, also by the mobile terminal of the account number binding with described first client or give a warning to user with the 3rd client of the account number binding of described first client, warn the account number of described user first client may be stolen.
12. devices according to claim 8, is characterized in that, described device also comprises:
Credit rating computing module, for collect described second client account number corresponding to account number Operation Log, according to described account number Operation Log, obtain the activity level of the account number of described second client, consumption habit grade and abnormal behaviour grade, calculate the quadratic approach of described activity level, consumption habit grade and abnormal behaviour grade, and the credit rating of described quadratic approach as the account number of described second client is stored in described server.
13. devices according to claim 8, is characterized in that, described virtual resource to be transferred comprises: ideal money or virtual objects.
14. devices according to claim 8, is characterized in that, described credit rating computing module comprises:
Activity level quantifying unit, the data volume that logs in for the account number by the second client recorded in described account number Operation Log turns to described activity level, described in log in data and comprise the number of times or number of days that log in;
Consumer behavior grade quantizing unit, the consumption data for the account number by the second client recorded in described account number Operation Log is quantified as described consumption habit grade, and described consumption data comprises described account number in the consumption number of times of each business; And
Abnormal behaviour grade quantizing unit, abnormal behaviour for the account number by the second client recorded in described account number Operation Log is quantified as described abnormal behaviour grade, described abnormal behaviour comprise login time abnormal, log in that place is abnormal, spending amount is abnormal, have in the text data that sends to other account numbers or image data abnormal, by the report of other account numbers and removed one or more in customer relationship by other account numbers.
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