CN106878236A - A kind of user's request processing method and equipment - Google Patents
A kind of user's request processing method and equipment Download PDFInfo
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- CN106878236A CN106878236A CN201510920923.3A CN201510920923A CN106878236A CN 106878236 A CN106878236 A CN 106878236A CN 201510920923 A CN201510920923 A CN 201510920923A CN 106878236 A CN106878236 A CN 106878236A
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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Abstract
The invention discloses a kind of user's request processing method and equipment, the method is applied to the terminal device of default risk control rule and user data, and the method includes：The terminal device receives the first request that user sends；The terminal device is based on that the risk control is regular and the user data determines first request with the presence or absence of risk；If there is risk, terminal device refusal first request in first request, or the described first request is processed according to default risk request treatment strategy；If first request does not exist risk, the terminal device performs first request.In the embodiment of the present invention, during for the request for needing quick treatment reaction, in risk control rule and user data defaulted in into terminal device, request treatment can be rapidly completed on the premise of security risk is ensured, treatment effeciency is effectively increased, while improving the experience of user.
Description
Technical field
The present invention relates to communication technical field, more particularly to a kind of user's request processing method and equipment.
Background technology
With the continuous development of network technology, people are more and more by process of exchange that internet is completed.
Process of exchange based on real-time performance is very easy to each side of the work, life and study of people
Face, but many potential safety hazards such as risk trade and wash sale are there is also simultaneously.In current network
In process of exchange, interact to judge to hand between the risk prevention system system that user terminal passes through service end
Easy process whether there is risk.
In the prior art, the risk rule and transaction data of risk prevention system system use relation data stock
Put and dispose on a different server, carried out using schemes such as database trigger, message queue events
Event is triggered.Risk prevention system system by run business transaction real-time analysis, thing in and ex-post analysis,
The automation of risk of fraud early warning is realized in tracking and treatment, its object is to by the monitoring to concluding the business, know
Other high-risk transactions, and anticipation fraud, and take the precautionary measures to reduce what transaction brought in time
Loss.
With the development of O2O business under line, barcode scanning pays the means of payment for progressively having developed into main flow,
In order to solve the payment success rate of O2O under line, barcode scanning pays the solution for using offline electronic payment.
During the application is realized, inventor has found prior art, and at least there are the following problems：
(1) need to carry out offline electronic payment in the environment of user terminal is in weak net or without net, user terminal cannot be with clothes
Judge to whether there is risk in process of exchange by online interaction between the risk prevention system system at end of being engaged in, give
Process of exchange brings potential safety hazard；
(2) under traditional on-line payment scene, user terminal is handed between the risk prevention system system of service end
In mutual deterministic process, user terminal needs to wait certain lock in time, and this process generally needs to continue
500ms or so so that the experience of user declines；
(3) risk judgment process needs the carrying out in service end centralization to calculate, in the payment transaction system of magnanimity
, it is necessary to put into substantial amounts of hardware resource to do the Risk Calculation of service end in system, particularly there is marketing to live
Under dynamic scene, in order to support the risk judgment of the transaction payment of moment, generally require to carry out substantial amounts of wind
The dilatation of control system.In addition, during user terminal quantity is ever-increasing, the risk of service end is prevented
Control system is also required to continuous dilatation to increase with adapting to user terminal quantity, and these can cause risk prevention system
Cost increase.
Therefore, prior art pays this class under for such as O2O payments, line needs quick treatment anti-
During the request answered, it is impossible to be rapidly completed request treatment, treatment effeciency and timeliness under the premise that security is guaranteed
In the presence of delay, the experience of user is reduced.
The content of the invention
The invention provides a kind of user's request processing method, by by risk control rule and number of users
According to the mode defaulted in terminal device, the two can not with request treatment is rapidly completed to solve guarantee safety
The problem taken into account.
The method is applied to the terminal device of default risk control rule and user data, and the method includes：
The terminal device receives the first request that user sends；
The terminal device is based on that the risk control is regular and the user data determines that described first please
Ask with the presence or absence of risk；
If first request has risk, the terminal device refusal described first is asked, or according to pre-
If risk request treatment strategy to described first request process；
If first request does not exist risk, the terminal device performs first request.
Preferably, the terminal device according to default risk request treatment strategy ask described first into
Row treatment, specially：
Described first request is sent most preassigned server by the terminal device, and according to described
Result refusal or perform first request that server is returned；
Or, the terminal device points out the user input checking information, and taken by the checking information
Band is sent to the server in being asked second, according to the result refusal that the server is returned
Or perform second request.
Preferably, the terminal device is based on the default risk control rule and user data judges institute
State the first request and whether there is risk, specially：
The terminal device reads the risk control rule；
User's letter that the terminal device is carried in the first request according to the risk control rule judgment
Whether breath matches with the user data；
If matching, the terminal device judges that first request has risk；If mismatching, the end
End equipment judges first request in the absence of risk.
Preferably, after the terminal device performs first request, also include：
The number of users that the terminal device is stored according to the user profile carried in the described first request to itself
According to being updated, and by the user data upload after renewal to the server after the completion of the renewal.
Preferably, when arrival default update cycle at the corresponding moment, the terminal device obtains described
The currently stored risk control rule of server and user data, and according to the risk control rule for getting
Then and user data to itself store risk control rule and user data be updated.
Correspondingly, the application also proposed a kind of terminal device, and the terminal device is preset with risk control rule
Then and user data, the terminal device includes：
Receiver module, receives the first request that user sends；
Determining module, it is regular based on the risk control and the user data determines first request
With the presence or absence of risk；
, there is risk in processing module, refuse first request in the described first request, or according to default
Risk request treatment strategy to described first request process；
Performing module, does not exist risk in the described first request, performs first request.
Preferably, the processing module specifically for：
Described first request is sent into most preassigned server, and returned according to the server
First request is refused or performed to result；
Or, pointing out the user input checking information, and carried in the second request by the checking information
It is middle to send to the result refusal for after the server, being returned according to the server or perform described the
Two requests.
Preferably, the determining module specifically for：
Read the risk control rule；
According to the risk control rule judgment first request in carry user profile whether with it is described
User data is matched；
If matching, judge that first request has risk；If mismatching, first request is judged not
There is risk.
Preferably, the terminal device also includes：
First update module, according to the user that the user profile carried in the described first request is stored to itself
Data are updated, and by the user data upload after renewal to the server after the completion of the renewal.
Preferably, the terminal device is further included：
Second update module, when arrival default update cycle at the corresponding moment, obtains the server
Currently stored risk control rule and user data, and according to the risk control rule for getting and
User data is updated to the risk control rule and user data that itself store.
As can be seen here, by the technical scheme of application the application, by the way that wind is preset in terminal device in advance
Danger control rule and user data, receive user transmission request when according to risk control rule with
And user data determines whether there is risk, and request is performed in the case of in the absence of risk, there is wind
Refuse request in the case of danger, or request is processed according to default risk request treatment strategy.From
And request treatment can be under the premise that security is guaranteed rapidly completed, treatment effeciency is effectively increased, while
Improve the experience of user.
Brief description of the drawings
Fig. 1 is a kind of schematic flow sheet of user's request processing method that the application is proposed；
A kind of offline electronic payment processing method schematic diagram that Fig. 2 is proposed by the specific embodiment of the application；
A kind of on-line payment processing method schematic diagram that Fig. 3 is proposed by the specific embodiment of the application；
Fig. 4 is a kind of structural representation of terminal device that the application is proposed.
Specific embodiment
In view of the problems of the prior art, present applicant proposes a kind of user's request processing method, pass through
Risk control rule and user data are preset in terminal device in advance, when for the quick treatment of needs
During the request of reaction, terminal device can be in advance judged the risk of user's request.Due to most users
Request just can complete risk judgment in terminal device, can so save between terminal device and server
Interaction time, so as to reduce user's request treatment average time, effectively improve the use of user
Experience.
Wherein, risk control rule and user data are respectively stored in its corresponding private data memory block
Interior, private data memory block includes：
A) risk rule memory block：For storing risk judgment logic, risk judgment logic is used to be defined on
When meeting logic of propositions condition, the judgement that there is risk is made.Risk judgment logic is based on risk control
Operation demand is packed in the form of rules, and management end can carry out real-time adjustment to risk rule online,
And corresponding data is issued in terminal device by the passage that issues between service end and terminal device.
B) risk data memory block：For the behavioral data of the user's history request of storage terminal device, bag
Include but be not limited to be stored in the information such as believable user list, list of locations on terminal device.
As shown in figure 1, the schematic flow sheet of the user's request processing method for the application proposition, including with
Lower step：
S101, the terminal device receives the first request that user sends.
In the embodiment of the present invention, the terminal device receives the process of the request that user sends, and specifically includes
But following manner is not limited to, terminal device receives user by defaulting in taking for the application transmission of terminal device
Request.Wherein, terminal device includes but is not limited to mobile terminal, personal computer, server and network
Equipment etc..
S102, the terminal device is based on that the risk control is regular and the user data determine it is described
First request whether there is risk.
In order to provide risk judgment foundation to risk control rule, first request of the application has
Carry user profile, terminal device can be compared based on user profile with default user data, with to
The risk control rule provides risk judgment foundation.Based on the user that the first request described in S101 is carried
Information, proposes corresponding determination mode in this application in preferred embodiment, specific as follows：
Step a) the terminal devices read the risk control rule；
What the step b) terminal devices were carried in the first request according to the risk control rule judgment
Whether user profile matches with the user data；
If step c) is matched, the terminal device judges that first request has risk；If mismatching,
The terminal device judges first request in the absence of risk.
Specifically, when " the request list of locations of user includes position A, position B and position in user data
Put C, and the request position of the user in first request is position D " and " user in user data
Request species include species A, species B and species C, and it is described first request in user request species
It is species D " while when occurring, then corresponding to described first and asking the probability that there is risk generally higher.
In the specific embodiment of the application, the user profile of first request that the terminal device is received is at least
Including following one or more：The personal information of user, the request content of user, the request position of user
Put the request species with user.
It should be noted that the content of above user profile is only the example that the application preferred embodiment is proposed,
Can also be on this basis to include more contents, so that risk judgment is more accurate, these change
Enter to belong to protection scope of the present invention.
S103, if first request has risk, the terminal device refusal described first is asked, or
The described first request is processed according to default risk request treatment strategy.
The request that the application is intended to be sent for user carries out risk judgment by terminal device, and is judging
Request is processed according to treatment strategy when there is risk, it is correspondingly, preferred in this application to implement
Corresponding treatment strategy is proposed in example, it is specific as follows：
Described first request is sent most preassigned server by the terminal device, and according to described
Result refusal or perform first request that server is returned；
Or, the terminal device points out the user input checking information, and taken by the checking information
Band is sent to the server in being asked second, according to the result refusal that the server is returned
Or perform second request.
Herein it should be noted that second request in the application refers in particular to carry the described of checking information
First request, other names mode on this basis belongs to protection scope of the present invention.
S104, if first request does not exist risk, the terminal device performs first request.
In specific application scenarios, most users request just can complete risk judgment in terminal device, this
Sample can save the interaction time between terminal device and server, only exist a few users request needs defeated
Enter checking information to be verified or judged again by way of sending to server and being processed.Always
For body, the average time of user's request treatment is reduced, and no matter in offline environment or or in wire loop
In border, request treatment can be rapidly completed on the premise of security risk is ensured.
In the preferred embodiment of the application, the terminal device is performed after first request, described
Terminal device is carried out more according to the user profile carried in the described first request to the user data for itself storing
Newly, by the user data upload after renewal to the server and after the completion of the renewal.The terminal
Equipment is updated to the user data that itself is stored, and can be effectively increased the accurate of terminal device risk judgment
Property, by the user data upload after renewal to the server, increased the accurate of risk server judgement
Property, while also reducing the consumption for updating push time and data traffic.
Further, it is also provided with the preferred embodiment of the application for risk control rule and user
The renewal push-mechanism of data, when arrival default update cycle at the corresponding moment, the terminal device
The currently stored risk control rule of the server and user data are obtained, and according to the wind for getting
Danger control rule and user data are carried out more to the risk control rule and user data that itself store
Newly.
In the embodiment of the present invention, risk control rule and user data are regularly updated and pushed to by server
Terminal device is based primarily upon following two reasons：
(1) increasing with terminal device treatment user's request number of times, carries the user profile in request
Quantity increase therewith, and user profile as terminal device judge user's request with the presence or absence of risk weight
Will foundation, the integrality of its data has conclusive shadow to the risk judgment accuracy of hereafter user's request
Ring, therefore need for user data update to push to terminal device；
(2) with the diversification of risk category, server also needs to enter risk control rule by management end
Row adjustment, risk control rule is regularly updated and pushes to terminal device, is conducive to raising terminal device to sentence
The accuracy of disconnected risk.
As can be seen here, by application above technical scheme, default risk control rule and user are applied to
The terminal device of data, in risk control rule and user data defaulted in into terminal device, when
When for the request for needing quick treatment reaction, terminal device can give the risk of user's request in advance
Judge.Because most users request just can complete risk judgment in terminal device, can so save end
Interaction time between end equipment and server, so as to reduce the average time of user's request treatment, and
No matter offline environment or or in thread environment, can be quick complete on the premise of security risk is ensured
Into request treatment, the experience of user is effectively improved.Further, since most users request is in terminal
Just risk judgment can be completed in equipment, the demand to server end hardware resource and capacity is reduced, is saved
About cost.
In order to the technological thought of the application is expanded on further, in conjunction with the specific application scenarios shown in Fig. 3,
Technical scheme to the application is illustrated.
Herein in specific application scenarios, due to the limitation of network condition, by the way of offline electronic payment.
Mobile phone wallet is run in terminal device, when mobile phone wallet receives payment request, mould is paid into barcode scanning
Formula, while terminal device judges to pay request with the presence or absence of risk according to user profile.
If paying request does not exist risk, terminal device is performed by mobile phone wallet and pays request, specifically
, mobile phone wallet is generated and shows payment code, beneficiary scanning payment code while obtain user account and
Authorization code, completes user and withholds by request protocol, and terminal device shows to the state of withholing.
If paying request has risk, can be processed by following two modes：
A) terminal device directly refuses to pay request by mobile phone wallet.
B) terminal device points out the user input checking information by mobile phone wallet, and by checking information
Carry and sent to server in being asked second, the result returned according to server is refused or performed
Pay request.If specifically, server return result determine pay request there is risk, eventually
Only pay request；If the result that server is returned determines that paying request does not exist risk, terminal device
Performed by mobile phone wallet and pay request, specifically, mobile phone wallet is generated and shows payment code, beneficiary
User account and authorization code are obtained while scanning payment code, completing user by request protocol withholds, eventually
End equipment shows to the state of withholing.
In traditional offline electronic payment, terminal device cannot be between server by way of online interaction
To judge with the presence or absence of risk paying request, therefore various safety can be faced during offline electronic payment
Hidden danger.And in this application scene, default in terminal and set by by risk control rule and user data
In standby, when when for the request for needing quick treatment reaction, terminal device can be to the risk of user's request
Judged, it is ensured that the safety in payment process.Meanwhile, please be seek survival for payment in this application scene
Other processing modes are additionally provided in the case of risk with the smooth of the process of guaranteeing payment.
In order to the technological thought of the application is expanded on further, in conjunction with the specific application scenarios shown in Fig. 4,
Technical scheme to the application is illustrated.
The processing mode that this application scene is directed to the payment request of traditional on-line payment makes improvement.
Mobile phone wallet is run in terminal device, when mobile phone wallet receives payment request, into barcode scanning branch
The pattern of paying, while terminal device judges to pay request with the presence or absence of risk according to user profile.
If paying request does not exist risk, terminal device is performed by mobile phone wallet and pays request, specifically
, mobile phone wallet is generated and shows payment code, beneficiary scanning payment code while obtain user account and
Authorization code, completes user and withholds by request protocol, and terminal device shows to the state of withholing.
If paying request has risk, can be processed by following two modes：
A) terminal device directly refuses to pay request by mobile phone wallet.
B) terminal device will pay request and sends most preassigned server, service by mobile phone wallet
Risk control of the device based on server end is regular and user data is judged the risk for paying request,
The result refusal or execution returned according to the server pay request.If specifically, server is returned
The result returned determines that paying request has risk, then terminate paying request；If the place that server is returned
Reason result determines that paying request does not exist risk, and terminal device is performed by mobile phone wallet and pays request, tool
Body, mobile phone wallet is generated and shows payment code, and user account is obtained while beneficiary scanning payment code
And authorization code, user being completed by request protocol and is withholdd, terminal device shows to the state of withholing.
In traditional on-line payment, terminal device is handed between the risk prevention system system of service end
, it is necessary to wait treatment lock in time more long in mutual deterministic process so that the experience of user declines.
And in this application scene, in risk control rule and user data defaulted in into terminal device,
When for the request for needing quick treatment reaction, terminal device can give elder generation to the risk of user's request
Row judges.Because most users request just can complete risk judgment in terminal device, can so save
Interaction time between terminal device and server, so as to reduce the average time of user's request treatment,
Request treatment is rapidly completed on the premise of security risk is ensured, while effectively improving the use body of user
Test.
As can be seen here, by application above technical scheme, default risk control rule and user are applied to
The terminal device of data, in risk control rule and user data defaulted in into terminal device, when
When for the request for needing quick treatment reaction, terminal device can give the risk of user's request in advance
Judge.Because most users request just can complete risk judgment in terminal device, can so save end
Interaction time between end equipment and server, so as to reduce the average time of user's request treatment, and
No matter offline environment or or in thread environment, can be quick complete on the premise of security risk is ensured
Into request treatment, the experience of user is effectively improved.Further, since most users request is in terminal
Just risk judgment can be completed in equipment, the demand to server end hardware resource and capacity is reduced, is saved
About cost.
Herein it should be noted that the content of specific application scenarios is only the application preferred embodiment above
The example of proposition, can also include more application fields, so that the technical program on this basis
With widely application, these improvement belong to protection scope of the present invention.
To reach above technical purpose, the application also proposed a kind of terminal device, as shown in figure 4, should
Terminal device includes risk control rule and user data, and the terminal device includes：
Receiver module 210, receives the first request that user sends；
Determining module 220, it is regular based on the risk control and the user data determines that described first please
Ask with the presence or absence of risk；
, there is risk in processing module 230, refuse first request in the described first request, or according to pre-
If risk request treatment strategy to described first request process；
Performing module 240, does not exist risk in the described first request, performs first request.
Preferably, the processing module specifically for：
Described first request is sent into most preassigned server, and returned according to the server
First request is refused or performed to result；
Or, pointing out the user input checking information, and carried in the second request by the checking information
It is middle to send to the result refusal for after the server, being returned according to the server or perform described the
Two requests.
In specific application scenarios, the determining module specifically for：
Read the risk control rule；
According to the risk control rule judgment first request in carry user profile whether with it is described
User data is matched；
If matching, judge that first request has risk；If mismatching, first request is judged not
There is risk.
In specific application scenarios, the terminal device also includes：
First update module, according to the user that the user profile carried in the described first request is stored to itself
Data are updated, and by the user data upload after renewal to the server after the completion of the renewal.
In specific application scenarios, the terminal device is further included：
Second update module, when arrival default update cycle at the corresponding moment, obtains the server
Currently stored risk control rule and user data, and according to the risk control rule for getting and
User data is updated to the risk control rule and user data that itself store.
Through the above description of the embodiments, those skilled in the art can be understood that this hair
It is bright to be realized by hardware, it is also possible to be realized by the mode of software plus necessary general hardware platform.
Based on such understanding, technical scheme can be embodied in the form of software product, and this is soft
It (can be CD-ROM, USB flash disk is mobile hard that part product can be stored in a non-volatile memory medium
Disk etc.) in, including some instructions are used to so that a computer equipment (can be personal computer, take
Business device, or the network equipment etc.) perform method described in each implement scene of the invention.
It will be appreciated by those skilled in the art that accompanying drawing is a schematic diagram for being preferable to carry out scene, in accompanying drawing
Module or necessary to flow not necessarily implements the present invention.
It will be appreciated by those skilled in the art that the module in device in implement scene can be according to implement scene
Description be distributed in the device of implement scene, it is also possible to is carried out respective change and is disposed other than this implementation
In one or more devices of scene.The module of above-mentioned implement scene can merge into a module, also may be used
To be further split into multiple submodule.
The invention described above sequence number is for illustration only, and the quality of implement scene is not represented.
Disclosed above is only several specific implementation scenes of the invention, but, the present invention is not limited to
This, the changes that any person skilled in the art can think of should all fall into protection scope of the present invention.
Claims (10)
1. a kind of user's request processing method, it is characterised in that methods described is applied to default risk control
The terminal device of rule and user data, methods described includes：
The terminal device receives the first request that user sends；
The terminal device is based on that the risk control is regular and the user data determines that described first please
Ask with the presence or absence of risk；
If first request has risk, the terminal device refusal described first is asked, or according to pre-
If risk request treatment strategy to described first request process；
If first request does not exist risk, the terminal device performs first request.
2. the method for claim 1, it is characterised in that the terminal device is according to default wind
Danger request treatment strategy is processed the described first request, specially：
Described first request is sent most preassigned server by the terminal device, and according to described
Result refusal or perform first request that server is returned；
Or, the terminal device points out the user input checking information, and taken by the checking information
Band is sent to the server in being asked second, according to the result refusal that the server is returned
Or perform second request.
3. the method for claim 1, it is characterised in that the terminal device is based on described default
Risk control rule and user data judge that first request whether there is risk, specially：
The terminal device reads the risk control rule；
User's letter that the terminal device is carried in the first request according to the risk control rule judgment
Whether breath matches with the user data；
If matching, the terminal device judges that first request has risk；If mismatching, the end
End equipment judges first request in the absence of risk.
4. the method for claim 1, it is characterised in that perform described the in the terminal device
After one request, also include：
The number of users that the terminal device is stored according to the user profile carried in the described first request to itself
According to being updated, and by the user data upload after renewal to the server after the completion of the renewal.
5. method as claimed in claim 4, it is characterised in that
When arrival default update cycle at the corresponding moment, the terminal device obtains the server and works as
The risk control rule and user data of preceding storage, and according to the risk control rule for getting and use
User data is updated to the risk control rule and user data that itself store.
6. a kind of terminal device, it is characterised in that the terminal device is comprising risk control rule and uses
User data, the terminal device includes：
Receiver module, receives the first request that user sends；
Determining module, it is regular based on the risk control and the user data determines first request
With the presence or absence of risk；
, there is risk in processing module, refuse first request in the described first request, or according to default
Risk request treatment strategy to described first request process；
Performing module, does not exist risk in the described first request, performs first request.
7. terminal device as claimed in claim 6, it is characterised in that the processing module specifically for：
Described first request is sent into most preassigned server, and returned according to the server
First request is refused or performed to result；
Or, pointing out the user input checking information, and carried in the second request by the checking information
It is middle to send to the result refusal for after the server, being returned according to the server or perform described the
Two requests.
8. terminal device as claimed in claim 6, it is characterised in that the determining module specifically for：
Read the risk control rule；
According to the risk control rule judgment first request in carry user profile whether with it is described
User data is matched；
If matching, judge that first request has risk；If mismatching, first request is judged not
There is risk.
9. terminal device as claimed in claim 6, it is characterised in that also include：
First update module, according to the user that the user profile carried in the described first request is stored to itself
Data are updated, and by the user data upload after renewal to the server after the completion of the renewal.
10. terminal device as claimed in claim 9, it is characterised in that also include：
Second update module, when arrival default update cycle at the corresponding moment, obtains the server
Currently stored risk control rule and user data, and according to the risk control rule for getting and
User data is updated to the risk control rule and user data that itself store.
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| CN201510920923.3A CN106878236A (en) | 2015-12-11 | 2015-12-11 | A kind of user's request processing method and equipment |
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| CN201510920923.3A CN106878236A (en) | 2015-12-11 | 2015-12-11 | A kind of user's request processing method and equipment |
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