WO2019084922A1 - Information processing method and system, server, terminal and computer storage medium - Google Patents

Abstract

Disclosed are an information processing method and system, a server, a terminal and a computer storage medium. The method comprises: based on a request to access a second application client by means of account data of a first application client, obtaining a first message from a first terminal comprising the first application client, wherein the first message comprises a user identity identifier corresponding to the account data of the first application client; and obtaining user credit data associated with the user identity identifier, and sending the user credit data to a second terminal comprising the second application client, such that the second application client executes a corresponding service logic based on the user credit data, wherein the first terminal is the same as or is different from the second terminal; and the user credit data is used for characterizing the probability of a terminal user corresponding to the user identity identifier breaking a pre-determined rule.

Description

Information processing method and system, server, terminal, computer storage medium Technical field

The present invention relates to information processing technologies, and in particular, to an information processing method and system, a server, a terminal, and a computer storage medium.

Background technique

With the rapid development of Internet technology, the Internet plays a more and more important role in people's lives, and people can use the Internet to handle various affairs. However, in general, before the use of Internet services, operations such as account registration are usually required. In order to avoid the trouble of excessive account registration to the user, there is a technical solution for authorizing login to another application by using an account of an existing application, that is, the user can authorize the account based on the account of a registered application. The way to use the services provided by third-party applications, so that users do not need to repeatedly register accounts under multiple applications.

Summary of the invention

Embodiments of the present invention provide an information processing method and system, a server, a terminal, and a computer storage medium.

To achieve the above objective, the technical solution of the embodiment of the present invention is implemented as follows:

An embodiment of the present invention provides an information processing method, where the method includes: obtaining, according to an account data request of a first application client, accessing a second application client, obtaining a first terminal from a first terminal including the first application client The first message includes a user identity corresponding to the account data of the first application client; obtaining user credit data associated with the user identity, and sending the user credit data to include the a second terminal of the second application client, so that the second application client of the second terminal performs corresponding service logic based on the user credit data; the user credit data is used to represent the user identity identifier The probability that the end user will violate the predetermined rule.

The embodiment of the present invention further provides an information processing method, the method comprising: requesting access to a second application client by using the account data of the first application client, and obtaining a user corresponding to the account data of the first application client Credit data, the user credit data is used to represent a probability that the terminal user corresponding to the user identity violates a predetermined rule; and based on the user credit data, the corresponding service logic is executed by the second application client.

The embodiment of the invention further provides an information processing method, the method comprising: requesting access to the second application client by using the account data of the first application client, the server obtaining the first from the first application client a first message of the terminal; the first message includes a user identity corresponding to account data of the first application client; the server obtains user credit data associated with the user identity, and the user credit Sending data to the second terminal including the second application client; the first terminal and the second terminal are the same or different; the user credit data is used to represent that the terminal user corresponding to the user identity violates a predetermined rule Probability; based on the user credit data, the second terminal executes corresponding service logic through the second application client.

The embodiment of the present invention further provides a server, the server includes: a first communication unit, a first obtaining unit, and a second communication unit; the first communication unit is configured to request based on an account data of the first application client Accessing the second application client, obtaining a first message from the first terminal that includes the first application client; the first message includes a user identity corresponding to the account data of the first application client; the first acquiring unit Configuring to obtain user credit data associated with the user identity; the user credit data is used to represent a probability that the terminal user corresponding to the user identity violates a predetermined rule; the second communication unit is configured to Transmitting the user credit data obtained by the first acquiring unit to a second terminal that includes the second application client, so that the second application client of the second terminal performs a corresponding service based on the user credit data. logic.

The embodiment of the present invention further provides a terminal, where the terminal includes: a third communication unit and an execution unit; the third communication unit is configured to access the second application client based on the account data of the first application client, User credit data corresponding to the account data of the first application client, the user credit data is used to represent a probability that the terminal user corresponding to the user identity violates a predetermined rule; the execution unit is configured to be based on the third The user credit data obtained by the communication unit is executed by the second application client to execute corresponding service logic.

The embodiment of the present invention further provides a computer storage medium, where the computer instruction is executed, and when the instruction is executed by the processor, the step of applying the information processing method applied to the server according to the embodiment of the present invention is implemented; or the instruction is The steps of the information processing method applied to the terminal according to the embodiment of the present invention are implemented when the processor executes.

The embodiment of the present invention further provides a server, including a memory, a processor, and a computer program stored on the memory and operable on the processor, and the processor executes the program to implement the application according to the embodiment of the present invention. The steps of the information processing method of the server.

The embodiment of the present invention further provides a terminal, including a memory, a processor, and a computer program stored on the memory and operable on the processor, and the processor executes the program to implement the application according to the embodiment of the present invention. The steps of the information processing method of the terminal.

An embodiment of the present invention further provides an information processing system, where the system includes a server and a terminal, and the server is configured to request to access the second application client based on the account data of the first application client, where the server obtains the a first message of the terminal or another terminal of the first application client; the first message includes a user identity corresponding to the account data of the first application client; and is obtained by being associated with the user identity User credit data, the user credit data is sent to the terminal including the second application client; the user credit data is used to represent a probability that a terminal user corresponding to the user identity violates a predetermined rule; The terminal is configured to execute the corresponding service logic by the second application client based on the user credit data.

DRAWINGS

FIG. 1 is a schematic diagram of an interaction process for logging in to a third-party application based on a main application authorization;

2 is a schematic structural diagram of a system for performing information interaction according to an embodiment of the present invention;

3 is a schematic diagram of a first process of an information processing method according to an embodiment of the present invention;

4 is a second schematic flowchart of an information processing method according to an embodiment of the present invention;

FIG. 5 is a schematic diagram of a third process of an information processing method according to an embodiment of the present invention; FIG.

6a and 6b are respectively schematic diagrams showing an interaction process of an information processing method according to an embodiment of the present invention;

FIG. 7 is a schematic structural diagram of a structure of a server according to an embodiment of the present invention; FIG.

FIG. 8 is a schematic diagram of another composition structure of a server according to an embodiment of the present invention; FIG.

FIG. 9 is a schematic structural diagram of a structure of a terminal according to an embodiment of the present invention;

FIG. 10 is a schematic structural diagram of hardware components of a server according to an embodiment of the present invention; FIG.

FIG. 11 is a schematic diagram of a combination of software and hardware of a terminal according to an embodiment of the present invention.

Detailed ways

Before the detailed description of the information processing method of the embodiment of the present invention, the process of logging in to the third-party application based on the main application authorization is first described. Figure 1 is a schematic diagram of an interaction process for logging in to a third-party application based on the main application authorization; as shown in Figure 1, including:

Step 101: The main application client sends a login request to the third-party application client, where the login request is specifically used to log in to the third-party application client by using the account request of the main application client. The login request includes a user identity, and the user identity may be a user identification (UID, User Identification) uniquely corresponding to the user account of the main application client.

In an actual application, as an example, the user uses a browser application client to open a webpage, for example, the webpage is an e-commerce page, or a multimedia playpage (such as a Tencent video page); the user needs to log in to the webpage. In order to avoid the user need to input more information content to register and enter the user name and password to log in, configure one or more icons of the main application in the login area of the page, such as QQ application icon, WeChat application icon, etc. , So that the user can log in to the webpage using the account of the existing main application. When the user clicks on the icon of any of the main applications, the main application client corresponding to the icon of the main application initiates a login request to the browser application client as the third-party application client.

Step 102: The third-party application client requests a temporary identifier from the main application server corresponding to the main application client based on the login request of the main application client, and the temporary identifier may be a Universally Unique Identifier (UUID). Only valid for this request; or the temporary UUID is valid for a preset time range (for example, five minutes). The request message may include a user identity of the primary application client; and the temporary identifier generated by the primary application server corresponds to the user identity of the primary application client.

Step 103: The main application server returns a temporary identifier to the third-party application client.

Step 104: The third-party application client generates a graphic code based on the temporary identifier and the application identifier (APP ID), and displays a graphic code, where the graphic code may be a QR Code (Quick Response Code), and the third-party application client The terminal generates a two-dimensional code according to the obtained temporary UUID and its own application identification code and displays it.

Step 105: The third-party application client polls the main application server to obtain information about whether the user confirms the authorization, and the information carries the temporary identifier. The step 104 and the step 105 do not distinguish the sequence, and the step 104 may be executed first. In step 105, step 105 may be performed first, and then step 104 may be performed. Step 104 and step 105 may be performed at the same time. The execution sequence is not limited in this embodiment.

Step 106: The main application client scans the graphic code displayed by the third-party application client, and obtains the temporary identifier and the application identifier carried by the graphic code. The main application client has a graphic code scanning and reading function. After the function is activated, as an implementation manner, an image containing a graphic code is obtained by calling a camera to further identify a temporary identifier and an application identifier carried by the graphic code in the image. . For example, the main application client starts the graphic code scanning function, and calls the camera, so that the main application client displays the display interface including a scan box; when the camera collects the image data, the captured image is acquired. When the shape code is in the scan box, the main application client scans the collected graphic code based on the graphic code scanning function, and obtains the temporary identifier and the application identifier carried by the graphic code. As another implementation manner, the main application client has an optical character recognition (OCR) function, that is, directly identifying a character in an image including the graphic code, and further obtaining a temporary carried by the graphic code based on the recognized character. Identification and application identification.

Step 107: The main application client notifies the main application server, and the notification is used to request to log in to the third-party application by using the account of the main application client. The notification message carries the temporary identifier, the application identifier, and the user identifier obtained by the scan, and the application identifier is The identity of the third-party application client.

Step 108: The main application server returns authorization information to the third-party application client based on the notification message, and carries an access token.

Step 109: The main application client confirms the authorization to the third-party application client. In the actual application, the display interface of the main application client may display, for example, an “authorized” or “unauthorized” virtual button, and the user clicks the “authorize” virtual button, that is, determines The main application client confirms the authorization to the third-party application client, and the third-party application client allows the login of the account of the main application client. Correspondingly, if the user clicks the "unauthorized" virtual button, it is determined that the main application client does not confirm the authorization to the third-party application client, and the third-party application client does not allow the login of the account of the main application client.

Step 110: After confirming the authorization, the third-party application client sends an information acquisition request to the main application server, where the information acquisition request includes information such as a temporary identifier, an access token, and an application identifier, and the main application server may be based on the information acquisition request. The temporary identifier determines the user identity of the corresponding primary application client, obtains corresponding user information based on the user identity, and returns the user information to the third-party application.

The main application client and the third-party application client are client applications installed in the terminal device, and different client applications can provide different services after being activated; the main application server is a server corresponding to the client application client. . The main application client can be one of the following application types: instant messaging application client, social application client, payment platform client, The instant messaging application client can be, for example, a WeChat application, a QQ application, a Facebook application, or a Weibo application. The main application client and the third-party application client can run in the same terminal device or in different terminal devices.

The present invention will be further described in detail below with reference to the accompanying drawings and specific embodiments.

2 is a schematic diagram of hardware entities of each party performing information interaction in the embodiment of the present invention. FIG. 1 includes: a server 11, a server 12, and a terminal device 21-23. The terminal device 21-23 passes through a wired network or a wireless network and the server 11 Or the server 12 performs information interaction, and the terminal device includes a mobile phone, a tablet computer, a desktop computer, a notebook computer, and the like. In one example, at least one of the terminal devices 21-23 can run the first application client and the second application client, that is, the first application client and the second application client can run in the same terminal device at the same time. In another example, one of the terminal devices 21-23 can run the first application client, and the other terminal device can run the second application client, that is, the first application client and the second application client respectively Running in different terminal devices. The server 11 and the server 12 are respectively the server to which the first application client belongs and the server to which the second application client belongs, and the application running by the terminal device can provide a corresponding service through information exchange between the terminal device and the server.

The above-mentioned example of FIG. 1 is only a system architecture example for implementing the embodiment of the present invention. The embodiment of the present invention is not limited to the system structure described in FIG. 1 above, and various embodiments of the present invention may be proposed based on the system architecture.

The embodiment of the invention provides an information processing method. FIG. 3 is a schematic diagram of a first process of an information processing method according to an embodiment of the present invention; as shown in FIG. 3, the method includes:

Step 301: Acquire a first message from the first terminal including the first application client, based on requesting access to the second application client by using the account data of the first application client, where the first message includes the first application client The user identity corresponding to the account data of the terminal.

Step 302: Obtain user credit data associated with the user identity, and send the user credit data to a second terminal including the second application client, so that the second terminal The second application client executes corresponding service logic based on the user credit data; the user credit data is used to represent a probability that the terminal user corresponding to the user identity violates a predetermined rule.

In this embodiment, the information processing method is applied to the server, where the server may be the server to which the first application client belongs, that is, the first application client requests to access the second application client by using the account data of the first application client. The first application client sends a first message to the server by using the first terminal, where the first message includes a user identity corresponding to the account data of the first application client; the user identity identifier may be the first application client The unique UID of the account data.

In this embodiment, the requesting to access the second application client by using the account data of the first application client to obtain the first message from the first terminal including the first application client includes: based on the first terminal Obtaining, by the first application client, the identifier information that is sent by the second terminal by using the second application client, to obtain a first message from the first terminal, where the first message includes the user identity identifier And a temporary identifier assigned by the server. The identification information is a graphic code, such as a two-dimensional code, a barcode, or the like.

In an actual application, the first terminal is the same or different, that is, the first application client and the second application client may be installed in the first terminal and the second terminal respectively, or may be installed in the same terminal. Taking the same as the first terminal and the second terminal, after the terminal activates the second application client, the first operation client may display the input operation request for the identifier of the first application client in the display interface of the second application client. The application client's account data is used to access the second application client. The identifier of the displayed first application client may be an icon or a link of the displayed first application client, and the user triggers the icon or the link to request the first application client. The account data access corresponds to the second application client. After receiving the request, the second application client communicates with the server (that is, the server to which the first application client belongs) to obtain a temporary identifier assigned by the server, and the temporary identifier may be a UUID. As an implementation manner, the second application client may be encoded The method is configured to encode the temporary identifier to generate the identifier information, and output the identifier information. The first application client identifies the identifier information, and obtains the temporary identifier included in the identifier information. The second application client may encode the identifier by using the two-dimensional code. The temporary identifier is encoded to generate two-dimensional code information, and the two-dimensional code information is displayed by the display component of the terminal; the first application client can identify the two-dimensional code information by using an OCR method, thereby obtaining a temporary identifier carried by the two-dimensional code information. At this time, the terminal sends a first message to the server by using the first application client, where the first message includes a user identity corresponding to the account data of the first application client, and may further include the temporary identifier and the application identifier. The application identifier is an application identifier corresponding to the second application client, so that the server returns the authorization information to the second application client of the terminal, and obtains corresponding user credit data according to the user identity, to the second terminal. The application client returns user credit data.

In this embodiment, the sending the user credit data to the second terminal that includes the second application client includes: accessing the first application client by using the account data in response to the obtained characterization confirmation authorization Sending the user credit data to the second application client by using an acknowledgement message of the application client.

As an implementation manner, the first terminal obtains the temporary identifier by using the identifier information output by the second application client by using the first application client, and the identifier is authorized to access the second application client by using the account data of the first application client. After the first application client of the first terminal obtains the temporary identifier, the server sends a first message carrying the user identity to the server, and in response to the first message, the server sends the obtained user credit data associated with the user identity. To the second application client.

As another implementation manner, the server may receive an input operation for the “confirm authorization” function button, that is, the server receives the identifier that the first terminal determines to authorize to access the second application client with the account data of the first application client, and determines to obtain The acknowledgment confirms that the authorization message of the second application client is accessed by the account data of the first application client. In an actual application, after the server receives the first message from the first terminal, based on the information carried in the first message (including the temporary identifier, the second application client identifier, and the user identifier), sending the authorization information and the access token to the second terminal including the second application client, and the second terminal includes the confirmation according to the second application client output display Authorizing the interface of the function button, the user can determine that the authorization to access the second application client by using the account data of the first application client by clicking the “confirm authorization” function button, and then the second application client notifies the server after receiving the confirmation authorization indication. The server sends the user credit data associated with the user identity to the second terminal based on the notification message indicating that the authorization is confirmed. In this embodiment, the second application client needs the user credit data from the server. Obtain the corresponding user credit data.

In this embodiment, the user credit data may include at least one of the following data types: credit score, credit rating. As an implementation manner, the greater the credit score, or the higher the credit rating, the lower the probability that the corresponding terminal user violates the agreed rule, correspondingly, the smaller the credit score, or the lower the credit rating, indicating that the corresponding terminal user violates The greater the probability of a convention.

In this embodiment, as an implementation manner, the server has a credit data calculation function, that is, the server can calculate and obtain user credit data through the collection of behavior data, and when the server receives the first message carrying the user identity, The user credit data set based on the self-storage is searched for, and the user credit data associated with the user identity is obtained. As another implementation manner, the user credit data may be obtained by the credit service platform by collecting behavior data, and after obtaining the first message, the server performs information interaction with the credit service platform, and obtains, from the credit service platform, the user identity identifier. User credit data.

According to the technical solution of the embodiment of the present invention, when the first application client requests to access the second application client by using the account data of the first application client, the server sends the user credit corresponding to the account data to the second application client. The data enables the second application client to execute the corresponding service logic based on the user credit data, and implements a corresponding service based on the probability of violating the predetermined rule, thereby reducing the probability that the user who has a high probability of not complying with the predetermined rule is in the process of acquiring the service. Increased probability of occurrence of security issues such as information disclosure or attacks on the service platform Service delivery and service platform security and reliability.

The embodiment of the present invention further provides an information processing method, which is applied to a server, where the server may be a server to which the first application client belongs. FIG. 4 is a second schematic flowchart of an information processing method according to an embodiment of the present invention; as shown in FIG. 4, the method includes:

Step 401: Collect behavior data corresponding to account data, and the behavior data includes online behavior data and offline behavior data based on the Internet. The account data is the account data of the first application client.

Step 402: Acquire a first feature variable of the account data according to the behavior data, where the first feature variable is used to represent a behavior feature of the account data.

Step 403: Input the first feature variable into a data analysis model to obtain user credit data, where the data analysis model is configured to output user credit data according to the first feature variable.

Step 404: Acquire a first message from the first terminal including the first application client, based on requesting access to the second application client by using the account data of the first application client; the first message includes the first application client The user ID of the account data of the end.

Step 405: Obtain user credit data associated with the user identity, and send the user credit data to a second terminal that includes the second application client, so that the second application client of the second terminal Performing corresponding service logic based on the user credit data; the user credit data is used to represent a probability that the terminal user corresponding to the user identity violates a predetermined rule.

In this embodiment, the first feature variable is used to represent the behavior characteristic of the account data, and the behavior characteristic of the account data is obtained based on the behavior data of the account data based on the Internet, and then the first feature variable is input into the data analysis model to obtain the account data. The probability value that the behavior does not satisfy the preset condition. Since the behavior data of the account data in the social application can widely cover the behavior of the account data, the behavior data input into the data analysis model can fully reflect the behavior of the account data, so that the behavior of the analyzed account data is not satisfied. It is more accurate to set the probability value of the condition.

Specifically, the behavior data includes online behavior data and offline behavior data of the account data based on the Internet.

Internet online behavior data includes but is not limited to:

1) User's basic demographic attribute information, such as name, age, gender, region, education, occupation, etc.;

2) Virtual value-added service data, such as virtual account role dressing, game item purchase, film and television membership service, cloud storage space value-added service, music flow package, etc.;

3) Social interaction behavior data, such as chat, email, voice call, microblog space release, Douban review, knowledge and answer, public article reading, etc.;

4) Economic behavior data, such as payment, wealth management, shopping, stocks, funds, P2P, finance, etc.;

5) Entertainment and leisure behavior data, such as video on demand, music playback, K song, news reading, etc.;

6) Educational behavior data, such as online reading, open class study, vocational test practice, skill training, translation software use, etc.;

7) Other Internet mobile application behavior data, such as APP download, search, etc.

The online data can be obtained through the user's mobile phone, tablet or PC computer instant messaging application, game client, APP download platform, financial platform, shopping software, etc. to collect the information filled by the user or the application is actively reported.

Offline behavior data includes but is not limited to:

1) Online to offline (O2O, Online to Offline) life service information, such as housekeeping services, urban services, beauty care, etc.;

2) wear device data, such as medical health, sports, etc.;

3) location based service (LBS, location based service) geographic location data, such as navigation, check-in, special car, etc.;

4) Travel data, such as ticket ordering, hotel reservations, etc.

It can be seen that behavioral data includes actions in a variety of online and offline scenarios, including life. The behavioral data of all aspects, therefore, the probability values obtained from these behavioral data also more accurately reflect the true probability value of the account. In addition, when the behavior data changes, it will be immediately fed back to the server or instantly obtained by the server. Therefore, the behavior data is updated quickly, and the probability value obtained according to the behavior data of the instant update can reflect that the current behavior of the account data does not satisfy the preset. The probability of the condition. The probability value that does not satisfy the preset condition may be a probability of default, such as non-compliance with the contracted behavior.

For example, when the credit level of the user A is obtained according to the behavior data of the user A, the account chat behavior of the user A in the instant messaging application, the behavior of watching the video in the video application, the behavior of downloading the application, and the like may be collected. Extracting the first feature variable from the behavior data separately can obtain the first feature variable of different categories. For example, the first feature variable of the instant communication class, the first feature variable of the video class, and the first feature variable of the download class, all of the first feature variables of the different classes are input into the data analysis model, and the first value is output. It is also possible to input portions of the first characteristic variables of different classes into the data analysis model.

Generally, the friend of the user A has a similarity with the user A, and the behavior data of the friend of the user A can also reflect the probability that the behavior of the user A does not satisfy the preset condition. Therefore, when the first feature variable is input to the data analysis model, the feature variable associated with the friend of the user A can also be input at the same time.

That is, the inputting the first feature variable into the data analysis model includes: acquiring a second feature variable, wherein the second feature variable is used to represent behavior of a plurality of other account data having an association relationship with the account data. Characterizing; inputting the first feature variable and the second feature variable to the data analysis model, wherein the data analysis model is further configured to output the first feature variable and the second feature variable User credit data.

The method for obtaining the second feature variable is the same as the method for obtaining the first feature variable, and is described in detail later. The account data having the associated relationship and the plurality of other account data are friend relationships, and can be understood as a plurality of other account data being friends of the account data. Online behavior in the above example Both the offline behavior and the offline behavior can be mapped to the behavior of an application account through a certain correspondence. For example, other account data uses the mobile phone number to register the navigation service and the instant messaging application, and when acquiring behavior data of other account data, collect behavior data of other account data in the navigation service, and behavior of other account data in the instant communication application. data.

Entering the first feature variable and the second feature variable into the data analysis model includes: acquiring intimacy between the plurality of other account data and the account data, wherein the intimacy is generated according to an interaction behavior of each of the other account data and the account data; The third feature variable is obtained from the intimacy and the second characteristic variable using the following formula:

υ'=f((α ₁ ,α ₂ ,...,α _i ,...,α _n ),(υ ₁ ,υ ₂ ,...,υ _i ,...,υ _n )),

Where υ' represents the third characteristic variable, i represents the i-th other account data, α _i is the intimacy of the i-th other account data and the account data, and υ _i is the second characteristic variable of the i-th other account data, f is a weighted average of the second characteristic variable and the intimacy of the first n other account data in order to indicate the high to low intimacy; the first feature variable and the third feature variable are input to the data analysis model.

In this embodiment, the second feature variable of the other account data is processed to make it more representative of the behavior characteristics of the account data. Therefore, when the second variable is acquired, each second characteristic variable is multiplied by the corresponding weight value, and then the weighted average is performed. The weight value indicates the intimacy of the account data and other account data. The closer the account data is to the other account data, the greater the weight value; conversely, the smaller the weight value. Intimacy can be measured by the interaction between account data and other account data. For example, the more chats between account data and other account data, the more intimate the relationship. The higher the degree of overlap between the account data and the other account data, the more intimate the relationship between the two account data. The intimacy and coincidence can be obtained by means of a training model. Interactive behaviors include interactions in the circle of friends, payment interactions (such as red envelopes), and sports interactions (such as walking 10,000 steps). Intimacy can be reflected by the above information interaction, including the number of times the information is sent and received, the number of days, etc., as well as the ratio of sending and receiving information, the number of times of information interaction every day. This information includes text Information, video information and voice information. Intimacy can also be obtained by commenting, praising, marking a friend as a special friend, giving a gift, or pulling black.

即亲密度为按照由亲到疏的顺序排列的前10个好友的第二特征变量与亲密度的加权平均值。For example, the third characteristic variable

That is, the intimacy is a weighted average of the second characteristic variable and the intimacy of the top 10 friends arranged in order of intimacy.

The general characteristics of a group can reflect the characteristics of a certain user in this group. Therefore, the probability value of the behavior that does not satisfy the preset condition can be obtained according to the characteristics of a group, and the credit degree of the user can be more accurately reflected. It should be noted that, when acquiring the second feature variable of the plurality of second accounts, first selecting the intimacy ranking top n other account data according to the intimacy of the account data and the account data, and then according to the intimacy and the first The second feature variable generates a third feature variable.

Due to the wide range of behavioral data collected, the data formats obtained are also different. Therefore, after obtaining the behavior data, the abnormal data is deleted, the duplicate data is removed, the data with larger fluctuation values is filtered out, and the missing data is completed. The abnormal data may be data that is obviously beyond a certain range. For example, the normal person's age does not exceed one hundred. If the collected data shows that the age is 100, the abnormal data is deleted. If the collected data shows that the age includes 0 and 49, 0 and 49 are in the range of 0 to 100, however, most of the other data are between 18 and 45, so 0 and 49 belong to the singular point with a large fluctuation value.

After basic processing of behavioral data, behavioral data is divided into multiple dimensions based on data sources and business characteristics. For example, basic information, social interaction, financial management, etc., are classified and integrated into the database. When writing to the database, you can agree on the data type and data structure. For example, the type of the value is int and the type of the region name is a string. Other forms are also available, no longer one by one.

Because of the large amount of behavioral data stored in these stores, and the correlation between many data, it is necessary to filter these data and obtain more significant features to input into the data analysis model.

a) The civil servants in the basic attributes work more stable and have reliable economic sources, which can reflect the users' Economic ability and willingness to repay;

b) Users who often do not respond to messages in a timely manner in social interactions may be lazy, reflecting the user's delay in personality;

c) Users who frequently purchase value-added services and shop online can reflect the user's financial ability;

d) Stocks, funds, and P2P purchases in economic behavior can reflect the user's risk tolerance and economic ability;

e) hit the car but often cancel the order or the lower rating can reflect the user's reputation;

f) If the users who are frequented by the users are all high-quality, adherent to the agreement, the people with strong economic ability can feedback the users themselves to a certain extent.

The above basic attributes, social interaction behavior, purchase behavior, taxi behavior and friend attributes can all reflect the behavior characteristics of the account data.

That is, as an implementation manner, acquiring the first feature variable of the account data according to the behavior data includes: acquiring an information gain of the feature in the behavior data, the information gain is used to represent the amount of information included in the behavior data; and determining whether the information gain is at a preset value Within the range; if the information gain is within the preset value range, the derived variable is constructed according to the behavior data, wherein the derived variable is the merged or split behavior data; if the information gain is outside the preset value range, the delete is at The feature corresponding to the information gain outside the preset numerical range is used, and then the derived variable is constructed according to the remaining features; the derived variable is taken as the first characteristic variable.

As an implementation manner, deleting the feature corresponding to the information gain outside the preset value range, and then constructing the derivative variable according to the remaining features includes: acquiring the remaining feature after deleting the feature corresponding to the information gain outside the preset value range The correlation coefficient; the feature whose correlation coefficient is greater than or equal to the preset coefficient is merged into one merge feature; the merged feature is taken as the derivative variable.

Features and eigenvalues constitute behavioral data. For example, the collected behavior data including the number of text chats, the number of voice calls, the amount of payment, etc., are all characteristics in the behavior data. For example, text chat 9 times, voice call 10 times and payment amount 100, the numbers are called feature values. The information gain can reflect the amount of information of a feature. If the amount of information is less than the threshold, the feature can be deleted. For example, the information gain is sorted for each type of feature, and the feature with the information gain less than the threshold is deleted. Then, the correlation of the remaining features is detected. If there are more relevant features, the features with stronger correlation are combined to obtain the first feature variable. If a feature is weakly correlated and highly significant, then this feature can be refined into multiple features. For example, split the number of chats into evening chats, daytime chats, weekend chats, and weekday chats. Conversely, you can combine night chats and day chats into chats.

In this embodiment, the behavior data can be flexibly split and merged to construct the first feature variable, and when splitting and merging, the same or different methods can be used for multiple features (for example, some features adopt the principal component) The analysis method and other features using clustering methods, etc.) increase the flexibility of constructing the first feature variable.

As an implementation manner, before inputting the first feature variable and the second feature variable to the data analysis model, the method further includes: dividing the behavior data into a plurality of categories; respectively establishing one sub-category for each of the plurality of categories a model, wherein each sub-model is configured to output a first sub-value according to the first feature variable and/or the second feature variable, wherein the first sub-value is used to indicate that the account data does not behave under the category corresponding to the sub-model A probability value that satisfies a preset condition; a plurality of sub-models corresponding to the plurality of categories are constructed as a data analysis model.

Specifically, when the data analysis model is established, that is, before the first feature variable and the second feature variable are input to the data analysis model, each of the categories may be classified according to the classification of the behavior data. The category corresponds to generate a sub-model, each sub-model can output a first sub-value, and the first sub-values are processed to obtain the first value output by the data analysis model. Further, when the sub-model is established, the sub-model may be trained according to the sample data of each category, and each category may be further divided, and a low-level model is established for the divided data, and multiple low-level models are constructed. Sub-model, and then sub-models constitute data points Analysis of the model.

As an implementation manner, respectively establishing a sub-model for each of the plurality of categories includes: respectively establishing a sub-model for each category by using the same or different training models; or using the same or different training models for each The subcategories under the categories establish a low-level model, and the low-level models corresponding to the multiple subcategories under each category are constructed as sub-models.

The training models used to build sub-models in each category can be the same or different. For example, among the 10 categories, 5 categories use the decision tree training model, and the other 5 use the neural network training sub-model.

Optionally, constructing the plurality of sub-models corresponding to the plurality of categories into the data analysis model comprises: constructing the plurality of sub-models into the data analysis model in the following manner:

为第i个子模型的系数，P_i'为第i个子模型输出的第一子值，P₀为常数特征。Where P _always represents the first value, i is the i-th sub-model of the plurality of sub-models, and n is the number of the plurality of sub-models,

For the coefficient of the i-th sub-model, P _i ' is the first sub-value output of the i-th sub-model, and P ₀ is a constant feature.

The dividing the behavior data into multiple categories includes: dividing the behavior data into multiple categories according to the service type included in the behavior data; or dividing the data including the target object in the behavior data into one category, and not including the behavior data. The data of the target object is divided into another category.

According to the hierarchical division, the division according to the business type, and the division according to whether or not the target object is included, the three division methods may use any one of them to separately construct the sub-model, or may construct the sub-model by any two or three combinations. For example, first establish a sub-model according to whether or not the target object is divided, and then divide the sub-model below the sub-model according to the business type.

The sub-services mainly refer to the previous data categories, such as basic information, value-added services, social interactions, economic behaviors, etc.; grouping is mainly based on business characteristics. For example, in economic activities, there are credit cards and users without credit cards in payment, shopping, wealth management, etc. Behavioral performance varies widely, so The model is divided into two groups to build the model separately; the layering is mainly at the level of the entire model architecture. For example, the sub-model layer can also be divided into multiple dimension layers. The machine learning algorithm used in each layer can be completely different. .

In this embodiment, the foregoing steps 404 to 405 respectively correspond to the steps 301 to 302 in the foregoing embodiment. Therefore, those skilled in the art can understand the above steps 404 to 405 by referring to the foregoing embodiments, so as to save The length is not repeated here.

According to the technical solution of the embodiment of the present invention, on the one hand, the user credit data is accurately obtained; on the other hand, when the first application client requests to access the second application client by using the account data of the first application client, Transmitting, by the server, the user credit data corresponding to the account data to the second application client, so that the second application client can execute the corresponding service logic based on the user credit data, thereby implementing the corresponding service based on the probability of violating the predetermined rule, thereby reducing the service. The probability of occurrence of security problems such as information leakage or attacks on the service platform caused by users who do not follow the predetermined rules in the process of obtaining services improves the security and reliability of the service provision and service platform.

The embodiment of the invention also provides an information processing method. FIG. 5 is a schematic diagram of a third process of an information processing method according to an embodiment of the present invention; as shown in FIG. 5, the method includes:

Step 501: The user is requested to access the second application client by using the account data of the first application client, where the terminal obtains user credit data corresponding to the account data of the first application client, where the user credit data is used to represent the user identity identifier. The probability that the corresponding end user violates the predetermined rule.

Step 502: Based on the user credit data, the terminal executes corresponding service logic by using the second application client.

In this embodiment, the information processing method is applied to the terminal, and the terminal may be a terminal device running the second application client, or a terminal device capable of running the first application client and the second application client.

In the embodiment of the present invention, the user accesses the second application client based on the account data of the first application client, and the terminal obtains the user credit data corresponding to the account data of the first application client, including: based on the terminal or The other terminal requests to access the second application client by using the account data of the first application client, and the terminal requests and obtains the temporary identifier from the server through the second application client, and outputs the identifier information including the temporary identifier. The server is a server corresponding to the first application client; and the identifier is read by the first application client based on the terminal or the another terminal, and based on the terminal or the another terminal Requesting, by the server, accessing the second application client by using the account data of the first application client, where the terminal obtains user credit data corresponding to the account data from the server by using the second application client . The identification information is a graphic code, such as a two-dimensional code, a barcode, or the like.

In an actual application, the terminal can run the first application client and the second application client. After the terminal activates the second application client, the display interface of the second application client can detect the first application client. The input operation request of the identifier accesses the second application client by using the account data of the first application client, that is, the terminal sends the login request message to the second application client through the interface between the first application client and the second application client. And accessing the login request of the second application client by using the account data of the first application client; wherein the identifier of the displayed first application client may be an icon or a link of the displayed first application client, and the user triggers the icon Or link to request access to the corresponding second application client by using the account data of the first application client.

After receiving the login request message, the second application client communicates with the server (that is, the server to which the first application client belongs) to obtain a temporary identifier, which may be a UUID; as an implementation manner, the second application client may The temporary identifier is encoded by the encoding method to generate the identification information, and the identification information is displayed by the display component of the terminal. The first application client identifies the identifier information, and obtains the temporary identifier included in the identifier information. The second application client may The temporary identifier is encoded by the two-dimensional code encoding to generate the two-dimensional code information, and the terminal can display the two-dimensional code information by using the display component; the first application client can identify the two-dimensional code information by using an OCR method, thereby obtaining the second The temporary identifier carried by the dimension code information. The terminal sends a first message to the server by using the first application to the client, where the first message includes a user identity corresponding to the account data of the first application client, and may further include the temporary identifier and the application identifier (the application identifier) An application identifier corresponding to the second application client, so that the server returns the authorization information to the second application client of the terminal, and obtains corresponding user credit data according to the user identity, to the second application client of the second terminal. The user returns the user credit data.

In this embodiment, the terminal obtains user credit data corresponding to the account data of the first application client from a server (specifically, the server to which the first application client belongs), and the user credit data is used to represent the user corresponding to the account data. The probability that the end user corresponding to the identity identity violates the predetermined rule. Wherein, the user credit data may include at least one of the following data types: credit score, credit rating. As an implementation manner, the greater the credit score, or the higher the credit rating, the lower the probability that the corresponding terminal user violates the agreed rule, correspondingly, the smaller the credit score, or the lower the credit rating, indicating that the corresponding terminal user violates The greater the probability of a convention. The violation of the predetermined rules here includes two categories: the first category, requesting the user to actively perform a violation operation as a breach of contract, for example, clicking on a movie without copyright in an application; and second, the user does not perform the predetermined rule definition. Obligations, for example, the user’s overdue payment, etc., is not a breach of contract.

In this embodiment, the credit score may be a comprehensive score of various data according to historical behavior data of the user using the service, or may be an initial score based on the personal attribute, or may be based on the current application scenario sent when the service request is sent. Single credit score.

In this embodiment, as an implementation manner, the terminal or another terminal sends a notification message to the server when the first application client confirms the authorization to access the second application client by using the account data of the first application client. And, based on the notification message, the terminal obtains user credit data returned by the server and associated with the account data by using the second application client. As another In one embodiment, the terminal or another terminal accesses the second application client by using the account data of the first application client by using the first application client confirmation request, that is, the terminal or another terminal passes the first application client. After obtaining the temporary identifier, the terminal sends a notification message to the server, and based on the notification message, the terminal obtains user credit data associated with the account data from the server through the second application client.

In this embodiment, the terminal executes corresponding service logic based on the user credit data by the second application client, where the service logic is an operation and/or an operation sequence performed in response to the access request. For example, user A has a low credit score and is a high-probability default user. The terminal can perform masking logic through the second application client. When the masking logic is executed, the second application client does not respond to the user's access request. And further it is possible to output notification information characterizing that no service is provided. For example, user B has a high credit score and is a low-probability user who violates the predetermined rule. The second application client directly responds to the user B's access request based on the account data of the first application client, and provides user B with the required request. Service.

As an embodiment, the method further includes: obtaining, according to the user credit data and the label distribution logic, a user label of the account data, wherein the user label is used to represent the account data to obtain a service range; The user tag includes at least a first type of user tag and a second type of user tag, wherein the first type of user tag is used to indicate that the probability that the terminal user corresponding to the account data violates the predetermined rule is located in the first range. The user of the second type is used to indicate that the probability that the terminal user corresponding to the account data violates the predetermined rule is located in the second range, wherein the first range is different from the second range; And executing, by the user credit data, corresponding service logic of the second application client corresponding to the requested access, including at least one of: performing service logic corresponding to the first type of user label, shielding And corresponding to the second application client access request or partial response access request; performing corresponding to the second type of user tag Service logic, some or all of the response to the access request for the second client application.

In this embodiment, the terminal, through the second application client, will give the user label of the current access request according to the user credit data and the label distribution logic. The tag distribution logic is a decision rule for assigning a user tag to a user based on user credit data. For example, the label distribution logic may include a mapping table, where the mapping table includes a correspondence between user credit data and a corresponding user label, and the terminal may obtain, by using the second application client, the user credit data according to the correspondence relationship. Corresponding user tag. The user tags may include a plurality of types, for example, the user tags may be: a promised user and a non-observant user. The compliance user will be assignable to a user whose probability of complying with a predetermined rule is greater than a predetermined threshold, and the non-compliant user may be assigned to a user who does not comply with a predetermined rule that is not greater than a predetermined threshold. In some embodiments each of the types of user tags can also be divided into a plurality of sub-category user tags. For example, in the case of ticket purchase, according to the credit score, the user tags that can be generated may include: "yellow cattle", "first class ordinary users" and "second class ordinary users". "Yellow cattle (yellow cattle refer to the purchase of materials or ticketing vouchers sold at a high price to some people of Tuli)" has the lowest credit score and the highest probability of violating the predetermined rules. The "first class of ordinary users" correspond to low credit scores, and there are defaults such as refunds. "The second type of ordinary users" has the highest credit score and never has a refund. In the embodiment, the "yellow cattle" and the "first type of ordinary users" may be sub-category user tags of the first type of user tags; the "second class of ordinary users" are the second class of users. The subclass user tag of the tag. In some embodiments, the user tag may further include: a guarantor user; the guarantor user may be a user who has paid a security deposit in advance, and if the user defaults, the user's credit is provided by a prepaid security guarantee. May be very high, then another subclass of the second type of user tag.

The user label includes at least a first type of user label and a second type of user label, wherein the first type of user label is used to indicate that the probability that the requesting user violates the predetermined rule is located in the first range. The second type of user tag is used to indicate that the probability that the requesting user violates the predetermined rule is located in a second range of users, wherein the first range is different from the second range. In the embodiment, the user label includes at least a first type of user label. Sign and the second type of user tag. The first type of user tag herein can be a user who has a very high probability of not complying with the predetermined rules. The second type of user is a user who complies with the predetermined rule. In this embodiment, the user is divided into two categories, and in the specific implementation process, it may not be limited to two categories.

After the user tag is determined in this embodiment, the terminal performs the service logic corresponding to the user tag through the second application client. For example, a service can be provided normally for a compliance user, and a service or only a partial service may be provided for a non-compliant user.

As an implementation manner, the terminal performs service logic corresponding to the first type of user label through the second application client, and blocks the service request or partially responds to the service request. If the user tag of the current requesting user is the first type of user tag, the service request of the user may be blocked, and the second application client of the terminal does not provide the service to the requesting user, and the user obtains the service range of zero at this time. Partially responding to the service request, in order to incompletely respond to the service required by the service request, for example, the user tag is a user of the first type of user tag, requesting to query information of other users, and the information requested to be queried includes sensitive information and non-sensitive The information, the partial response to the service request herein may include: a query request that only responds to the non-sensitive information, and the query request for the sensitive information is masked.

As another implementation manner, the terminal performs, by the second application client, service logic corresponding to the second type of user tag, and partially or completely responds to the service request.

According to the technical solution of the embodiment of the present invention, when the second application client is requested to access the second application client by using the account data of the first application client, the server sends the user credit data corresponding to the account data to the second application client of the terminal, so that The second application client of the terminal may perform corresponding service logic based on the user credit data, so that the terminal may provide a corresponding service based on the probability of violating the predetermined rule, thereby reducing the probability that the user with high probability of not complying with the predetermined rule acquires the service. The probability of occurrence of security problems such as information leakage or attacks on the service platform increases the security and reliability of the service delivery and service platform.

The embodiment of the invention also provides an information processing method. The method includes:

Step 1: based on requesting access to the second application client by using the account data of the first application client, the server obtains a first message from the first terminal including the first application client; the first message includes a corresponding message The user identity of the account data of the first application client.

Step 2: The server obtains user credit data associated with the user identity, and sends the user credit data to a second terminal including the second application client; the user credit data is used to represent the The probability that the end user corresponding to the user identity violates the predetermined rule.

Step 3: Based on the user credit data, the second terminal executes corresponding service logic by using the second application client.

For the above steps of the embodiment, reference may be made to the description in the foregoing embodiments, and details are not described herein again.

The information processing method of the embodiment of the present invention is described below in conjunction with a specific application scenario. FIG. 6 is a schematic diagram of an interaction process of an information processing method according to an embodiment of the present invention; as shown in FIG. 6a, the method includes:

Step 601: The main application client sends a login request to the third-party application client, where the login request is specifically used to log in to the third-party application client by using the account request of the main application client. The login request includes a user identity, and the user identity may be a UID uniquely corresponding to an account of the main application client.

In an actual application, as an example, the user uses a browser application client to open a webpage, for example, the webpage is an e-commerce page, or a multimedia playpage (such as a Tencent video page); the user needs to log in to the webpage. In order to avoid the user need to input more information content to register and enter the user name and password to log in, configure one or more icons of the main application in the login area of the page, such as QQ application icon, WeChat application icon, etc. So that users can log in to the webpage using the account of the existing main application. When the user clicks on the icon of any of the main applications, the main application client corresponding to the icon of the main application is used as a third-party application client. The browser application client of the end initiates a login request.

Step 602: The third-party application client requests a temporary identifier from the main application server corresponding to the main application client according to the login request of the main application client, where the temporary identifier may be a temporary UUID, and the temporary UUID is valid only for the request; or a temporary UUID Valid for a preset time range (for example, five minutes). The request message may include a user identity of the primary application client; and the temporary identifier generated by the primary application server corresponds to the user identity of the primary application client.

Step 603: The main application server returns a temporary identifier to the third-party application client.

Step 604: The third-party application client generates a graphic code based on the temporary identifier and the application identifier (APP ID), and displays a graphic code, where the graphic code may specifically be a two-dimensional code, and the third-party application client according to the obtained temporary UUID and itself The application identification code generates a QR code and displays it.

Step 605: The third-party application client polls the main application server to obtain information about whether the user confirms the login, and the information carries the temporary identifier. The step 604 and the step 605 do not distinguish the sequence, and the step 604 is performed first. In step 605, step 605 may be performed first, and then step 604 may be performed. Step 604 and step 605 may be performed at the same time. The execution sequence is not limited in this embodiment.

Step 606 to step 607: The main application client scans the graphic code displayed by the third-party application client, and obtains the temporary identifier and the application identifier carried by the graphic code. The main application client has a graphic code scanning and reading function. After the function is activated, as an implementation manner, an image containing the identification information is obtained by calling the camera to further identify the temporary identifier and the application identifier carried by the graphic code in the image. . For example, the main application client starts the graphic code scanning function, and calls the camera, so that the main application client displays the display interface including a scan box; when the camera collects the image data so that the collected graphic code is in the scan frame, the main application client The terminal scans the collected graphic code based on the graphic code scanning function, and obtains the temporary identifier and the application identifier carried by the graphic code. As another implementation manner, the main application client has an OCR function, that is, directly identifying a character in an image including a graphic code, and further obtaining a temporary identifier carried by the graphic code based on the recognized character. And application identification.

Step 608: The main application client notifies the main application server, and the notification is used to request to log in to the third-party application by using the account of the main application client, where the notification message carries the temporary identifier, the user identity, and the application identifier obtained by the scan, and the application identifier is The identity of the third-party application client.

Step 609: The main application server returns authorization information to the third-party application client based on the notification message, and carries an access token.

Step 610: The third-party application client requests confirmation authorization from the main application client. In an actual application, the display interface based on the main application client may display, for example, an “authorized” or “unauthorized” virtual button, so that the user confirms the authorization by clicking the “authorize” virtual button, or the user confirms by clicking the “unauthorized” virtual button. Authorization.

Step 611: The main application client confirms the authorization to the third-party application client, that is, the user clicks the “authorize” virtual button, and determines that the main application client confirms the authorization to the third-party application client, and the third-party application client allows the use of the main application client. Account login.

Step 612: After confirming the authorization, the third-party application client requests the main application server to obtain the user information, where the request includes the temporary identifier, the access token, the application identifier, and the like, and the main application server may determine the corresponding identifier based on the temporary identifier in the request. The user identity of the main application client obtains the user information corresponding to the user identity based on the user identity, and returns the user information to the third-party application client.

Step 613: The main application client logs in to the third-party application client by using the account of the main application client.

Step 614: The third-party application client requests user credit data from the main application server, and the request may include information such as a temporary identifier, an access token, and an application identifier.

Step 615: The primary application server determines a user identity of the corresponding primary application client based on the temporary identifier in the request, and obtains corresponding user credit data based on the user identity, such as user credit rating and/or user credit score. . Further, the main application service The device may further perform a recognition judgment based on the user credit data, and determine whether the user credit data indicates that the terminal user corresponding to the user identity identifier has a higher probability of violating the predetermined rule, for example, the terminal user corresponding to the lower-ranking or lower-level user credit data violates The probability of the predetermined rule is high; when it is determined that the user credit data represents a higher probability that the terminal user corresponding to the user identity violates the predetermined rule, the main application server may generate prompt information, and the prompt information indicates that the terminal user has a higher probability of violating the predetermined rule. Providing services has certain risks.

Step 616: The main application server sends the user credit data to the third-party application client, so that the third-party application client executes the corresponding logic based on the user credit data; or the main application server sends the prompt information to the third-party application client. The prompt information indicates that the terminal user has a high probability of violating the predetermined rule, and providing the service has a certain risk.

Step 617: The third-party application client executes corresponding service logic based on the user credit data, for example, all responding or partially responding to the access request, or blocking the access request. Alternatively, the third party application client blocks the access request based on the received prompt information, or partially responds to the access request.

As another interaction mode, as shown in FIG. 6b, step 601 to step 608 may refer to the related description in FIG. 6a, and details are not described herein again. After step 608, the method further includes:

Step 609 ′: The main application server determines the user identity of the corresponding main application client based on the temporary identifier carried in the notification request in step 608, and obtains corresponding user credit data based on the user identity, such as user credit level and / or user credit points. Further, the main application server may further perform identification determination based on the user credit data, and determine whether the user credit data indicates that the terminal user corresponding to the user identity identifier has a higher probability of violating the predetermined rule, such as user credit data with lower score or lower rank. The probability that the corresponding terminal user violates the predetermined rule is high; when it is determined that the user credit data represents that the terminal user corresponding to the user identity identifier has a high probability of violating the predetermined rule, the main application server may generate prompt information, and the prompt information indicates that the terminal user violates the predetermined schedule. The probability of a rule is high, and providing a service has certain risks.

Step 610': the main application server returns to the third-party application client based on the notification message. Rights information and access tokens, as well as prompt information carrying user credit data or characterizing lower credits.

Step 611': The third-party application client requests confirmation authorization from the main application client. In an actual application, the display interface based on the main application client may display, for example, an “authorized” or “unauthorized” virtual button, so that the user confirms the authorization by clicking the “authorize” virtual button, or the user confirms by clicking the “unauthorized” virtual button. Authorization.

Step 612 ′: The main application client confirms the authorization to the third-party application client, that is, the user clicks the “authorize” virtual button to determine that the main application client confirms the authorization to the third-party application client, and the third-party application client allows the main application client to be used. The account number of the end is logged in.

Step 613 ′: After confirming the authorization, the third-party application client requests the main application server to obtain the user information, where the request includes the temporary identifier, the access token, the application identifier, and the like, and the main application server may determine the corresponding identifier based on the temporary identifier in the request. The user identity of the primary application client, based on the user identity, obtains the user information corresponding to the user identity, and returns the user information to the third-party application client.

Step 614': The main application client logs in to the third-party application client with the account of the main application client.

Step 615': The third party application client executes the corresponding service logic based on the user credit data, for example, all responding or partially responding to the access request, or masking the access request. Alternatively, the third party application client blocks the access request based on the received prompt information, or partially responds to the access request.

An embodiment of the present invention further provides a server. FIG. 7 is a schematic structural diagram of a server according to an embodiment of the present invention. As shown in FIG. 7, the server includes: a first communication unit 71, a first obtaining unit 72, and a second communication unit 73; The unit 71 is configured to obtain a first message from the first terminal including the first application client, based on requesting access to the second application client by using the account data of the first application client, where the first message includes the first application client a user identity corresponding to the account data of the terminal; the first obtaining unit 72 is configured to obtain User credit data associated with the user identity; the user credit data is used to represent a probability that the terminal user corresponding to the user identity violates a predetermined rule; the second communication unit 73 is configured to The user credit data obtained by the obtaining unit 72 is sent to the second terminal including the second application client, so that the second application client of the second terminal executes the corresponding service logic based on the user credit data.

In an embodiment, the second communication unit 73 is configured to send the user credit data in response to the obtained characterization confirmation that the account information of the first application client accesses the confirmation message of the second application client. To the second application client.

In an embodiment, the first communication unit 71 is configured to: according to the first terminal, read, by the first application client, identifier information that is output by the second terminal through the second application client. Obtaining a first message from the first terminal, the first message including the user identity and the assigned temporary identity.

FIG. 8 is a schematic structural diagram of another configuration of a server according to an embodiment of the present invention. As shown in FIG. 8, the server further includes an acquiring unit 74 and a second acquiring unit 75. 74. The method is configured to collect behavior data corresponding to the account data, where the behavior data includes online behavior data and offline behavior data based on the Internet; and the second obtaining unit 75 is configured to collect according to the collection unit 74. Obtaining, by the behavior data, a first feature variable of the account data, wherein the first feature variable is used to represent a behavior characteristic of the account data; and the first feature variable is input into a data analysis model to obtain a user credit Data; wherein the data analysis model is configured to output user credit data according to the first feature variable.

In this embodiment, the second acquiring unit 75 is configured to acquire a second feature variable, where the second feature variable is used to indicate behavior characteristics of a plurality of other account data that are associated with the account data; Inputting the first feature variable and the second feature variable to the data analysis model, wherein the data analysis model is further configured to output the user according to the first feature variable and the second feature variable Credit data.

In this embodiment, the second obtaining unit 75 is configured to divide the behavior data into a plurality of categories; and respectively establish a sub-model for each of the plurality of categories, wherein each sub-model is used for Outputting a first sub-value according to the first feature variable and/or the second feature variable, wherein the first sub-value is used to indicate behavior of the account data under a category corresponding to the sub-model A probability value that does not satisfy the preset condition; and a plurality of sub-models corresponding to the plurality of categories are constructed as the data analysis model.

In the embodiment of the present invention, the first obtaining unit 72, the collecting unit 74, and the second obtaining unit 75 in the server may be used by a central processing unit (CPU) in the server and a digital number in the actual application. a DSP (Digital Signal Processor), a Microcontroller Unit (MCU), or a Field-Programmable Gate Array (FPGA); the first communication unit 71 and the second communication in the server The unit 73 can be implemented in a practical application by a communication module (including: a basic communication suite, an operating system, a communication module, a standardized interface, a protocol, etc.) and a transceiver antenna.

It should be noted that, when the server provided by the foregoing embodiment performs information processing, only the division of each of the foregoing program modules is illustrated. In an actual application, the foregoing processing may be performed by different program modules, that is, the server. The internal structure is divided into different program modules to perform all or part of the processing described above. In addition, the server and the information processing method embodiment provided by the foregoing embodiments are in the same concept, and the specific implementation process is described in detail in the method embodiment, and details are not described herein again.

The embodiment of the invention further provides a terminal. FIG. 9 is a schematic structural diagram of a terminal according to an embodiment of the present invention. As shown in FIG. 9, the terminal includes: a third communication unit 81 and an execution unit 82. The third communication unit 81 is configured to be based on The account data of the application client accesses the second application client, and obtains user credit data corresponding to the account data of the first application client, where the user credit data is used to represent that the terminal user corresponding to the user identity violates a predetermined rule. Probability; the execution unit 82 is configured to obtain based on the third communication unit 81 The user credit data is executed by the second application client to execute corresponding service logic.

In an embodiment, the executing unit 82 is further configured to obtain a user label of the account data according to the user credit data and the label distribution logic, wherein the user label is used to represent the account data to obtain a service range. The user tag includes at least a first type of user tag and a second type of user tag, wherein the first type of user tag is used to indicate that the terminal user corresponding to the account data violates the predetermined rule. a user in a range; the user identifier of the second type is used to indicate that the probability that the terminal user corresponding to the account data violates the predetermined rule is located in the second range, wherein the first range is different from the first a second scope; configured to execute a corresponding service logic based on the user credit data, including at least one of: performing service logic corresponding to the first type of user tag, masking an access request or partially responding to the access request; performing and The service logic corresponding to the second type of user tag partially or completely responds to the access request.

In an embodiment, the terminal further includes an output unit, and the third communication unit 81 is configured to request to access the second application client by using the account data of the first application client, based on the terminal or another terminal. Requesting, by the second application client, a temporary identifier to the server; the server is a server corresponding to the first application client; the output unit is configured to output identifier information including the temporary identifier; The communication unit 81 is further configured to: according to the terminal or the another terminal, read and identify the identification information by using the first application client, and request the server to be based on the terminal or the another terminal The account data of the first application client accesses the second application client, and the user credit data corresponding to the account data from the server is obtained by the second application client.

In the embodiment of the present invention, the execution unit 82 in the terminal may be implemented by a CPU, a DSP, an MCU or an FPGA in the terminal in an actual application; the third communication unit 81 in the terminal may be used in an actual application. Through a communication module (including: basic communication suite, operating system, communication module, standardized interface and protocol, etc.) and a transceiver antenna; the output unit in the terminal is In practical applications, it can be realized by the display component of the terminal.

It should be noted that, when performing the information processing, the terminal provided by the foregoing embodiment only exemplifies the division of each of the foregoing program modules. In an actual application, the processing may be allocated by different program modules as needed, that is, the terminal is The internal structure is divided into different program modules to perform all or part of the processing described above. In addition, the terminal and the information processing method embodiment provided by the foregoing embodiments are in the same concept, and the specific implementation process is described in detail in the method embodiment, and details are not described herein again.

The embodiment of the present invention further provides a server. FIG. 10 is a schematic structural diagram of hardware components of a server according to an embodiment of the present invention; as shown in FIG. 10, the device includes a memory 92, a processor 91, and is stored in the memory 92 and can be in the processor. The computer program running on 91 also includes a power component and a communication component 93, each component being coupled together by a bus system 94. As can be appreciated, bus system 94 is used to implement connection communication between these components. The bus system 94 includes, in addition to the data bus, a power bus, a control bus, and a status signal bus. However, for clarity of description, various buses are labeled as bus system 94 in FIG.

It will be appreciated that memory 92 can be either volatile memory or non-volatile memory, and can include both volatile and nonvolatile memory. The non-volatile memory may be a Read Only Memory (ROM), a Programmable Read-Only Memory (PROM), or an Erasable Programmable Read (EPROM). Only Memory), Electrically Erasable Programmable Read-Only Memory (EEPROM), Ferromagnetic Random Access Memory (FRAM), Flash Memory, Magnetic Surface Memory , CD-ROM, or Compact Disc Read-Only Memory (CD-ROM); the magnetic surface memory can be a disk storage or a tape storage. The volatile memory can be a random access memory (RAM) that acts as an external cache. By way of illustration and not limitation, many forms of RAM are available, for example Such as Static Random Access Memory (SRAM), Synchronous Static Random Access Memory (SSRAM), Dynamic Random Access Memory (DRAM), Synchronous Dynamic Random Access (DRAM) SDRAM (Synchronous Dynamic Random Access Memory), Double Data Rate Synchronous Dynamic Random Access Memory (DDRS), Enhanced Synchronous Dynamic Random Access (ESDRAM) Memory), Synchronous Connection Random Random Access Memory (SLDRAM), Direct Memory Bus Random Access Memory (DRRAM). The memory 92 described in the embodiments of the present invention is intended to include, but is not limited to, these and any other suitable types of memory.

Among them, the processor 91 may be an integrated circuit chip with signal processing capability. In the implementation process, each step of the above method may be completed by an integrated logic circuit of hardware in the processor 91 or an instruction in a form of software. The processor 91 described above may be a general purpose processor, a DSP, or other programmable logic device, discrete gate or transistor logic device, discrete hardware component, or the like. The processor 91 can implement or perform the various methods, steps, and logic blocks disclosed in the embodiments of the present invention. A general purpose processor can be a microprocessor or any conventional processor or the like. The steps of the method disclosed in the embodiment of the present invention may be directly implemented as a hardware decoding processor, or may be performed by a combination of hardware and software modules in the decoding processor. The software module can reside in a storage medium located in memory 92, and processor 91 reads the information in memory 92 in conjunction with its hardware to perform the steps of the foregoing method.

In this embodiment, when the processor 91 executes the program, the method is: accessing the second application client by using the account data of the first application client, and obtaining the first message from the first terminal including the first application client. The first message includes a user identity corresponding to the account data of the first application client; obtaining user credit data associated with the user identity, Transmitting the user credit data to a second terminal including the second application client, so that the second application client of the second terminal executes corresponding service logic based on the user credit data; the user credit data A probability of characterizing that the end user corresponding to the user identity violates a predetermined rule.

As an implementation manner, when the processor 91 executes the program, the user credit is obtained by accessing the confirmation message of the second application client by using the account data of the first application client in response to the obtained characterization authorization. Data is sent to the second application client.

As an implementation manner, when the processor 91 executes the program, the first terminal is configured to read, by the first application client, that the second terminal is output by using the second application client. Identifying information, obtaining a first message from the first terminal, the first message including the user identity and the assigned temporary identity.

As an implementation manner, when the processor 91 executes the program, the method further includes: collecting behavior data corresponding to the account data, where the behavior data includes online behavior data and offline behavior data based on the Internet; Determining, by the behavior data, a first feature variable of the account data, wherein the first feature variable is used to represent a behavior characteristic of the account data; and the first feature variable is input into a data analysis model to obtain user credit data; The data analysis model is configured to output user credit data according to the first feature variable.

As an implementation manner, when the processor 91 executes the program, the method further includes: acquiring a second feature variable, where the second feature variable is used to represent a plurality of other account data that are associated with the account data. a behavior characteristic; inputting the first feature variable and the second feature variable to the data analysis model, wherein the data analysis model is further configured to use the first feature variable and the second feature variable The user credit data is output.

As an implementation manner, when the processor 91 executes the program, the method further includes: dividing the behavior data into a plurality of categories; and respectively establishing a sub-model for each of the plurality of categories, where each a sub-model for using the first characteristic variable and/or the second characteristic variable Outputting a first sub-value, wherein the first sub-value is used to indicate a probability value that the behavior of the account data does not satisfy the preset condition under a category corresponding to the sub-model; A plurality of sub-models corresponding to the categories are constructed as the data analysis model.

The embodiment of the present invention further provides a terminal. FIG. 11 is a schematic diagram of a combination of software and hardware of a terminal according to an embodiment of the present invention. As shown in FIG. 11, the system includes a memory 802, a processor 801, and is stored in the memory 802 and can be in the processor. The computer program running on 801 also includes at least one network interface 804 and a user interface 803, each of which is coupled together by a bus system 805. It will be appreciated that the bus system 805 is used to implement connection communication between these components. The bus system 805 includes a power bus, a control bus, and a status signal bus in addition to the data bus. However, for clarity of description, various buses are labeled as bus system 805 in FIG.

Different from the foregoing server shown in FIG. 10, the memory 802 in this embodiment is also used to store various types of data to support the operation of the terminal. Examples of such data include any computer program for operation on a terminal, such as operating system 8021 and application 8022, contact data, phone book data, messages, pictures, videos, and the like. The operating system 8021 includes various system programs, such as a framework layer, a core library layer, a driver layer, and the like, for implementing various basic services and processing hardware-based tasks. The application 8022 can include various applications, such as a Media Player, a Browser, etc., for implementing various application services. A program implementing the method of the embodiment of the present invention may be included in the application 8022.

In this embodiment, when the processor 801 executes the program, the method is: requesting access to the second application client by using the account data of the first application client, and obtaining user credit data corresponding to the account data of the first application client, The user credit data is used to represent a probability that the terminal user corresponding to the user identity violates a predetermined rule; and based on the user credit data, the corresponding service logic is executed by the second application client.

As an implementation manner, when the processor 801 executes the program, the user identifier of the account data is obtained according to the user credit data and the label distribution logic, where The user tag is used to represent the account data to obtain a service range; the user tag includes at least: a first type of user tag and a second type of user tag, wherein the first type of user tag is used to indicate the account a user whose data is in violation of the predetermined rule by the terminal user is located in the first range; the second type of user tag is used to indicate that the probability that the terminal user corresponding to the account data violates the predetermined rule is located in the second range. a user, wherein the first range is different from the second range; and executing, according to the user credit data, corresponding service logic of the second application client corresponding to the requested access, including at least one of the following a: performing service logic corresponding to the first type of user tag, shielding the second application client access request or partial response access request; performing service logic corresponding to the second type of user tag, part or all Responding to an access request for the second application client.

As an implementation, when the processor 801 executes the program, the second application client is accessed by using the account data of the first application client based on the terminal or another terminal, and the terminal passes the The second application client requests and obtains a temporary identifier from the server, and outputs identifier information including the temporary identifier; the server is a server corresponding to the first application client; and the first terminal or the another terminal passes the first An application client reads the identification information, and requests the server to access the second application client by using the account data of the first application client based on the terminal or the another terminal, the terminal User credit data corresponding to the account data from the server is obtained by the second application client.

In an exemplary embodiment, an embodiment of the present invention further provides a computer storage medium, such as a memory 92 including the computer program shown in FIG. 10, which may be executed by a processor 91 of the server to perform the foregoing method. step. The computer storage medium may be a memory such as FRAM, ROM, PROM, EPROM, EEPROM, Flash Memory, magnetic surface memory, optical disk, or CD-ROM; or may be various devices including one or any combination of the above memories.

The computer storage medium provided by the embodiment of the present invention has a computer instruction, where the instruction is executed by the processor: accessing the second application client based on the account data of the first application client, obtaining the first application from the first application a first message of the first terminal of the client; the first message includes a user identity corresponding to the account data of the first application client; obtaining user credit data associated with the user identity, and sending the user credit data To a second terminal including the second application client, such that the second application client of the second terminal executes corresponding service logic based on the user credit data; the user credit data is used to characterize the user identity Identifies the probability that the corresponding end user violates the predetermined rule.

As an embodiment, when the instruction is executed by the processor, the user credit data is sent to the acknowledgment message of the first application client by using the account data of the first application client in response to the obtained characterization authorization. The second application client.

As an implementation manner, when the instruction is executed by the processor, the first terminal is configured to read, by using the first application client, identification information that is output by the second terminal by using the second application client, Obtaining a first message from the first terminal, the first message including the user identity and the assigned temporary identity.

As an implementation manner, when the instruction is executed by the processor, the method further includes: collecting behavior data corresponding to the account data, where the behavior data includes online behavior data and offline behavior data based on the Internet; Obtaining a first feature variable of the account data, wherein the first feature variable is used to represent a behavior feature of the account data; and the first feature variable is input into a data analysis model to obtain user credit data; The data analysis model is configured to output user credit data according to the first feature variable.

As an implementation manner, when the instruction is executed by the processor, the method further includes: acquiring a second feature variable, wherein the second feature variable is used to represent behavior characteristics of a plurality of other account data having an association relationship with the account data. Inputting the first feature variable and the second feature variable to the data analysis model, wherein the data analysis model is further configured to be based on the first feature The levy variable and the second characteristic variable output the user credit data.

As an implementation manner, when the instruction is executed by the processor, the method further includes: dividing the behavior data into a plurality of categories; respectively establishing a sub-model for each of the plurality of categories, wherein each sub-model is used Outputting a first sub-value according to the first characteristic variable and/or the second characteristic variable, wherein the first sub-value is used to indicate that the account data is under a category corresponding to the sub-model The behavior does not satisfy the probability value of the preset condition; and the plurality of sub-models corresponding to the plurality of categories are constructed as the data analysis model.

The embodiment of the present invention further provides a computer storage medium, such as a memory 802 including the computer program shown in FIG. 11, which can be executed by the processor 801 of the terminal to perform the steps described in the foregoing method. The computer storage medium may be a memory such as FRAM, ROM, PROM, EPROM, EEPROM, Flash Memory, magnetic surface memory, optical disk, or CD-ROM; or may be various devices including one or any combination of the above memories, such as a mobile phone. , computers, tablet devices, personal digital assistants, etc.

The computer storage medium provided by the embodiment of the present invention has a computer instruction, where the instruction is executed by the processor: requesting access to the second application client by using the account data of the first application client, and obtaining the first application client User credit data corresponding to the account data of the terminal, the user credit data is used to represent a probability that the terminal user corresponding to the user identity violates a predetermined rule; and based on the user credit data, perform corresponding corresponding by the second application client Service logic.

As an implementation manner, when the instruction is executed by the processor, the user identifier of the account data is obtained according to the user credit data and the label distribution logic, where the user label is used to represent the account data. Obtaining a service scope; the user label at least includes: a first type of user label and a second type of user label, wherein the first type of user label is used to indicate that the terminal user corresponding to the account data violates the predetermined rule a user whose probability is located in the first range; the second type of user tag is used to indicate that the terminal user corresponding to the account data violates the The probability that the predetermined rule is located in the second range, wherein the first range is different from the second range; and the second application client corresponding to the requested access is executed based on the user credit data Corresponding service logic of the terminal, comprising at least one of: performing service logic corresponding to the first type of user tag, shielding the second application client access request or partial response access request; performing the second class The service logic corresponding to the user tag partially or completely responds to the access request for the second application client.

As an implementation manner, when the instruction is executed by the processor, the second application client is accessed by using the account data of the first application client, and the terminal passes the second The application client requests and obtains a temporary identifier from the server, and outputs identifier information including the temporary identifier; the server is a server corresponding to the first application client; and the first application is adopted based on the terminal or the another terminal The client reads and identifies the identification information, and requests the server to access the second application client by using the account data of the first application client based on the terminal or the another terminal, where the terminal passes the The second application client obtains user credit data corresponding to the account data from the server.

An embodiment of the present invention further provides an information processing system, where the system includes a server and a terminal, and the server is configured to request to access the second application client based on the account data of the first application client, where the server obtains the a first message of the terminal or another terminal of the first application client; the first message includes a user identity corresponding to the account data of the first application client; and is obtained by being associated with the user identity User credit data, the user credit data is sent to the terminal including the second application client; the user credit data is used to represent a probability that a terminal user corresponding to the user identity violates a predetermined rule; The terminal is configured to execute the corresponding service logic by the second application client based on the user credit data.

In an embodiment, the server is configured to, in response to the obtained characterization authorization, access the confirmation message of the second application client by using the account data of the first application client, The household credit data is sent to the second application client.

In an embodiment, the server is configured to: according to the first terminal, read, by the first application client, identifier information that is output by the second terminal by using the second application client, and obtain the source information from the first application client. The first message of the first terminal, where the first message includes the user identity and the temporary identity assigned by the server.

In an embodiment, the server is further configured to collect behavior data corresponding to the account data, the behavior data includes online behavior data and offline behavior data based on the Internet; and acquiring the a first feature variable of the account data, wherein the first feature variable is used to represent a behavior characteristic of the account data; the first feature variable is input into a data analysis model to obtain user credit data; wherein the data analysis The model is for outputting user credit data according to the first feature variable.

In an embodiment, the server is configured to acquire a second feature variable, wherein the second feature variable is used to represent behavior characteristics of a plurality of other account data having an association relationship with the account data; The first feature variable and the second feature variable are input to the data analysis model, wherein the data analysis model is further configured to output the user credit data according to the first feature variable and the second feature variable.

In an embodiment, the server is configured to divide the behavior data into a plurality of categories before inputting the first feature variable and the second feature variable to the data analysis model; respectively Each of the plurality of categories establishes a sub-model, wherein each sub-model is configured to output a first sub-value according to the first characteristic variable and/or the second characteristic variable, wherein the first sub- The value is used to indicate that the behavior of the account data does not satisfy the probability value of the preset condition under a category corresponding to the sub-model; and the plurality of sub-models corresponding to the plurality of categories are constructed as the data analysis model .

In an embodiment, the terminal is further configured to obtain a user label of the account data according to the user credit data and label distribution logic, where the user label is used to represent the location The account data can be obtained by the account data; the user tag at least includes: a first type of user tag and a second type of user tag, wherein the first type of user tag is used to indicate that the end user corresponding to the account data violates the a user whose probability of the predetermined rule is located in the first range; the second type of user tag is used to indicate that the terminal user corresponding to the account data violates the predetermined rule, and the probability is that the user is located in the second range, wherein the first a range different from the second range; the executing, according to the user credit data, corresponding service logic of the second application client corresponding to the request access, including at least one of: performing and a service logic corresponding to a type of user tag, shielding for the second application client access request or partial response access request; performing service logic corresponding to the second type of user tag, partially or completely responding to the second application Client access request.

In an embodiment, the terminal is further configured to, according to the terminal or another terminal, request to access the second application client by using the account data of the first application client, where the terminal passes the second application client. Requesting and obtaining a temporary identifier from the server, outputting the identifier information including the temporary identifier; the server is a server corresponding to the first application client; and reading by the first application client based on the terminal or the another terminal Retrieving the identification information, and requesting, by the terminal or the another terminal, the server to access the second application client by using the account data of the first application client, where the terminal passes the second The application client obtains user credit data corresponding to the account data from the server.

In the several embodiments provided by the present application, it should be understood that the disclosed apparatus and method may be implemented in other manners. The device embodiments described above are merely illustrative. For example, the division of the unit is only a logical function division. In actual implementation, there may be another division manner, such as: multiple units or components may be combined, or Can be integrated into another system, or some features can be ignored or not executed. In addition, the coupling, or direct coupling, or communication connection of the components shown or discussed may be indirect coupling or communication connection through some interfaces, devices or units, and may be electrical, mechanical or other forms. of.

The units described above as separate components may or may not be physically separated, and the components displayed as the unit may or may not be physical units, that is, may be located in one place or distributed to multiple network units; Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of the embodiment.

In addition, each functional unit in each embodiment of the present invention may be integrated into one processing unit, or each unit may be separately used as one unit, or two or more units may be integrated into one unit; The unit can be implemented in the form of hardware or in the form of hardware plus software functional units.

A person skilled in the art can understand that all or part of the steps of implementing the above method embodiments may be completed by using hardware related to the program instructions. The foregoing program may be stored in a computer readable storage medium, and the program is executed when executed. The foregoing steps include the steps of the foregoing method embodiments; and the foregoing storage medium includes: a removable storage device, a ROM, a RAM, a magnetic disk, or an optical disk, and the like, which can store program codes.

Alternatively, the above-described integrated unit of the present invention may be stored in a computer readable storage medium if it is implemented in the form of a software function module and sold or used as a standalone product. Based on such understanding, the technical solution of the embodiments of the present invention may be embodied in the form of a software product in essence or in the form of a software product stored in a storage medium, including a plurality of instructions. A computer device (which may be a personal computer, server, or network device, etc.) is caused to perform all or part of the methods described in various embodiments of the present invention. The foregoing storage medium includes various media that can store program codes, such as a mobile storage device, a ROM, a RAM, a magnetic disk, or an optical disk.

The above is only a specific embodiment of the present invention, but the scope of the present invention is not limited thereto, and any person skilled in the art can easily think of changes or substitutions within the technical scope of the present invention. It should be covered by the scope of the present invention. Therefore, the scope of the invention should be determined by the scope of the appended claims.

Claims (23)

An information processing method, the method comprising: Receiving, by requesting access to the second application client by using the account data of the first application client, obtaining a first message from the first terminal including the first application client; the first message includes a first message corresponding to the first application client User identity corresponding to the account data; Obtaining user credit data associated with the user identity, and transmitting the user credit data to a second terminal including the second application client, so that the second application client of the second terminal is based on the User credit data executes corresponding service logic; The user credit data is used to represent a probability that the terminal user corresponding to the user identity violates a predetermined rule. The method of claim 1, wherein the transmitting the user credit data to the second terminal including the second application client comprises: And sending the user credit data to the second application client in response to the obtained characterization authorization to access the confirmation message of the second application client by using the account data of the first application client. The method of claim 1, wherein the requesting to access the second application client based on the account data of the first application client to obtain the first message from the first terminal including the first application client comprises: Obtaining, by the first terminal, the identifier information that is output by the second terminal by using the second application client, by using the first application client, to obtain a first message from the first terminal, where the A message includes the user identity and a temporary identity assigned by the server. The method of claim 1 wherein said method comprises: Collecting behavior data corresponding to the account data, the behavior data including online behavior data and offline behavior data based on the Internet; Acquiring, according to the behavior data, a first characteristic variable of the account data, wherein the first A feature variable is used to represent behavior characteristics of the account data; And inputting the first feature variable into the data analysis model to obtain user credit data; wherein the data analysis model is configured to output user credit data according to the first feature variable. The method of claim 4, wherein the inputting the first feature variable into a data analysis model comprises: Obtaining a second feature variable, wherein the second feature variable is used to represent behavior characteristics of a plurality of other account data having an association relationship with the account data; Inputting the first feature variable and the second feature variable to the data analysis model, wherein the data analysis model is further configured to output the user according to the first feature variable and the second feature variable Credit data. The method of claim 5, wherein before the inputting the first feature variable and the second feature variable to the data analysis model, the method further comprises: Dividing the behavior data into a plurality of categories; Establishing a sub-model for each of the plurality of categories, wherein each sub-model is configured to output a first sub-value according to the first characteristic variable and/or the second characteristic variable, wherein The first sub-value is used to indicate that the behavior of the account data does not satisfy the probability value of the preset condition under a category corresponding to the sub-model; A plurality of sub-models corresponding to the plurality of categories are constructed as the data analysis model. An information processing method, the method comprising: The user credit data corresponding to the account data of the first application client is obtained, and the user credit data is used to represent the terminal user corresponding to the user identity identifier, based on the account data requesting the first application client to access the second application client. The probability of violating a predetermined rule; Based on the user credit data, corresponding service logic is executed by the second application client. The method of claim 7 wherein said method further comprises: utilizing said The user credit data and the label distribution logic, the user label of the account data is obtained, wherein the user label is used to represent the account data to obtain a service scope; the user label includes at least: a first type of user label and a second a class user tag, wherein the first type of user tag is used to indicate that the terminal user corresponding to the account data violates the predetermined rule and the probability is within a first range; the second type of user tag is used to indicate The probability that the terminal user corresponding to the account data violates the predetermined rule is located in the second range, wherein the first range is different from the second range; And executing, according to the user credit data, corresponding service logic of the second application client corresponding to the request access, including at least one of the following: Performing service logic corresponding to the first type of user tag, shielding the second application client access request or partial response access request; Executing service logic corresponding to the second type of user tag, partially or fully responding to an access request for the second application client. The method according to claim 7, wherein the accessing the second application client based on the account data of the first application client, the terminal obtaining the user credit data corresponding to the account data of the first application client, include: Receiving, by the terminal or another terminal, the second application client by using the account data of the first application client, the terminal requests and obtains a temporary identifier from the server by using the second application client, and the output includes the temporary Identification information of the identifier; the server is a server corresponding to the first application client; Identifying the identification information by the first application client based on the terminal or the another terminal, and requesting the first application client from the server based on the terminal or the another terminal The account data accesses the second application client, and the terminal obtains user credit data corresponding to the account data from the server by using the second application client. An information processing method, the method comprising: The server obtains a first message from the first terminal including the first application client, based on requesting access to the second application client by using the account data of the first application client; the first message includes a first message corresponding to the first User identity of the account data of the application client; The server obtains user credit data associated with the user identity, and sends the user credit data to a second terminal including the second application client; the user credit data is used to represent the user identity The probability that the corresponding end user violates the predetermined rule; Based on the user credit data, the second terminal executes corresponding service logic through the second application client. A server, the server comprising: a first communication unit, a first acquisition unit, and a second communication unit; The first communication unit is configured to obtain a first message from the first terminal including the first application client, based on requesting access to the second application client by using the account data of the first application client; the first message includes a user identity corresponding to the account data of the first application client; The first obtaining unit is configured to obtain user credit data associated with the user identity; the user credit data is used to represent a probability that the terminal user corresponding to the user identity violates a predetermined rule; The second communication unit is configured to send the user credit data obtained by the first acquiring unit to a second terminal that includes the second application client, so that the second application client of the second terminal A corresponding service logic is executed based on the user credit data. The server according to claim 11, wherein the second communication unit is configured to, in response to the obtained characterization authorization, access the confirmation message of the second application client by using the account data of the first application client, User credit data is sent to the second application client. The server according to claim 11, wherein the first communication unit is configured to identify, by the first terminal, that the second terminal passes the second application client by using the first application client The output identification information obtains the first message from the first terminal, The first message includes the user identity and the assigned temporary identity. The server according to claim 11, wherein the server further comprises an acquisition unit and a second acquisition unit; wherein The collecting unit is configured to collect behavior data corresponding to the account data, where the behavior data includes online behavior data and offline behavior data based on the Internet; The second acquiring unit is configured to acquire a first feature variable of the account data according to the behavior data collected by the collecting unit, where the first feature variable is used to represent a behavior characteristic of the account data; And inputting the first feature variable into the data analysis model to obtain user credit data; wherein the data analysis model is configured to output user credit data according to the first feature variable. The server according to claim 14, wherein the second obtaining unit is configured to acquire a second feature variable, wherein the second feature variable is used to represent a plurality of other accounts having an association relationship with the account data. a behavioral characteristic of the data; the first feature variable and the second feature variable are input to the data analysis model, wherein the data analysis model is further configured to use the first feature variable and the second feature The variable outputs the user credit data. The server according to claim 15, wherein the second obtaining unit is configured to divide the behavior data into a plurality of categories; and respectively establish a sub-model for each of the plurality of categories, wherein Each sub-model is configured to output a first sub-value according to the first characteristic variable and/or the second characteristic variable, wherein the first sub-value is used to represent a category corresponding to the sub-model, The behavior of the account data does not satisfy the probability value of the preset condition; and the plurality of sub-models corresponding to the plurality of categories are constructed as the data analysis model. A terminal, the terminal comprising: a third communication unit and an execution unit; The third communication unit is configured to access the second application client by using the account data of the first application client, and obtain user credit data corresponding to the account data of the first application client, where the user credit data is used to represent the location The end user corresponding to the user identity violates the predetermined rules Probability The executing unit is configured to execute a corresponding service logic by using the second application client based on the user credit data obtained by the third communication unit. The terminal according to claim 17, wherein The execution unit is further configured to obtain a user label of the account data according to the user credit data and the label distribution logic, where the user label is used to represent the account data to obtain a service scope; the user label includes at least a first type of user label and a second type of user label, wherein the first type of user label is used to indicate that the terminal user corresponding to the account data violates the predetermined rule and the probability is within a first range; The second type of user label is used to indicate that the probability that the terminal user corresponding to the account data violates the predetermined rule is located in the second range, wherein the first range is different from the second range; Also configured to perform corresponding service logic based on the user credit data, including at least one of the following: Performing service logic corresponding to the first type of user tag, shielding the access request or partially responding to the access request; Executing service logic corresponding to the second type of user tag, partially or completely responding to the access request. The terminal of claim 17, wherein the terminal further comprises an output unit; The third communication unit is configured to, according to the terminal or another terminal, request to access the second application client by using the account data of the first application client, and request and obtain the temporary identifier from the server by using the second application client. The server is a server corresponding to the first application client; The output unit is configured to output identification information including the temporary identifier; The third communication unit is further configured to: according to the terminal or the another terminal, read and identify the identification information by using the first application client, and to the said terminal or the another terminal according to the terminal The server requests to access the second application by using the account data of the first application client. The client obtains user credit data corresponding to the account data from the server by using the second application client. A computer storage medium having stored thereon computer instructions for performing the steps of the information processing method according to any one of claims 1 to 6 when executed by a processor; Alternatively, the step of implementing the information processing method according to any one of claims 7 to 9 when the instruction is executed by the processor. A server comprising a memory, a processor, and a computer program stored on the memory and operable on the processor, the processor executing the program to implement the information processing method according to any one of claims 1 to 6. step. A terminal comprising a memory, a processor, and a computer program stored on the memory and operable on the processor, the processor executing the program to implement the information processing method according to any one of claims 7 to 9. step. An information processing system, the system comprising a server and a terminal; The server is configured to request to access a second application client by using the account data of the first application client, where the server obtains a first message from the terminal or another terminal that includes the first application client; The first message includes a user identity corresponding to the account data of the first application client; obtaining user credit data associated with the user identity, and transmitting the user credit data to the second application client The user credit data is used to represent a probability that a terminal user corresponding to the user identity identifier violates a predetermined rule; The terminal is configured to execute corresponding service logic by using the second application client based on the user credit data.

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