CN107784575A

CN107784575A - Risk class determines method, transfer operation reminding method, apparatus and system

Info

Publication number: CN107784575A
Application number: CN201610754151.5A
Authority: CN
Inventors: 吴亦舜; 张华�; 陆兆华
Original assignee: Tencent Technology Shenzhen Co Ltd
Current assignee: Tencent Technology Shenzhen Co Ltd
Priority date: 2016-08-29
Filing date: 2016-08-29
Publication date: 2018-03-09

Abstract

The embodiment of the invention discloses a kind of risk class to determine method, transfer operation reminding method, apparatus and system, belongs to field of computer technology.Methods described includes：Obtain the Bank Account Number in several report communication informations；Obtain Bank Account Number corresponding characteristic information in the communication information is reported；Risk class corresponding with Bank Account Number is determined according to characteristic information, can be before Bank Account Number be implemented to swindle successfully, risk class corresponding to the Bank Account Number in the report communication information is determined in advance, established so as to solve due to swindling account information storehouse in the prior art after Bank Account Number is swindled successfully, the problem of account No. for causing to swindle in account information storehouse is generally all the account No. abandoned；Reach and determined risk class corresponding with Bank Account Number in real time before swindling successfully, improved the effect of the validity for the risk class determined.

Description

Risk class determines method, transfer operation reminding method, apparatus and system

Technical field

The present embodiments relate to field of computer technology, more particularly to a kind of risk class determines method, transfer operation Reminding method, apparatus and system.

Background technology

The side that current telecommunications swindle is mainly transferred accounts by ATM (Automatic Teller Machine, ATM) Formula is carried out, such as：Swindler pretends to be acquaintance to send fraud information such as to masses：" hello, and I is landlord, and number, which has changed, to be write down, Your that rent please be got on my lover this card in addition：622202********40419”.User by ATM by fund from Family Bank Account Number is transferred to target Bank Account Number.

In the prior art, include for the phenomenon of telecommunication fraud, conventional hold-up interception method：Public security organ is according to the report of user Fraud information in the case information gathering communication information；Banking institution obtains Bank Account Number corresponding to the case successfully broken through, and root Swindle account information storehouse is established according to Bank Account Number；So as to realize when target Bank Account Number is present in swindle account information storehouse, ATM The operation that fund is transferred to target Bank Account Number to user from user's Bank Account Number intercepts.

During the present invention is realized, inventor has found that prior art at least has problems with：

The Bank Account Number swindled in the prior art in account information storehouse is typically to be stored after swindler implements to swindle successfully , and swindler can abandon used Bank Account Number after implementing to swindle successfully in real process, cause in the prior art The problem of account No. in the swindle account information storehouse of foundation is generally all the account No. abandoned.

The content of the invention

In order to solve to be established after Bank Account Number is swindled successfully due to swindling account information storehouse in the prior art, cause The problem of Bank Account Number swindled in account information storehouse is generally all the Bank Account Number abandoned, the embodiment of the present invention provide A kind of risk class determines method, transfer operation reminding method, apparatus and system.The technical scheme is as follows：

According to the first aspect of the invention, there is provided a kind of risk class determines method, and methods described includes：

Obtain the Bank Account Number in several report communication informations；

Obtaining the Bank Account Number corresponding characteristic information, characteristic information in the report communication information includes： Sent number, at least one of duration is sent by report number and stopping, the transmission duration that stops refers to the bank Time interval between time that account the last time is sent and current time；

Risk class corresponding with the Bank Account Number is determined according to the characteristic information, the risk class refers to described Bank Account Number is the grade of malice Bank Account Number.

According to the second aspect of the invention, there is provided a kind of transfer operation reminding method, methods described include：

Target Bank Account Number is received, the target Bank Account Number refers to the account for receiving transfer fund；

Risk class corresponding with the target Bank Account Number is obtained, the risk class is existed previously according to Bank Account Number Report the grade that corresponding characteristic information determines in the communication information；

Operation is prompted according to corresponding to performing the risk class.

According to the third aspect of the invention we, there is provided a kind of risk class determines method, and methods described includes:

Terminal receives target Bank Account Number, and the target Bank Account Number refers to the account for receiving transfer fund；

The terminal to server sends the matching request for carrying the target Bank Account Number；In the server in advance The corresponding relation being stored between Bank Account Number and risk class, the risk class are the servers according to bank's account The grade that number corresponding in the communication information is reported characteristic information determines；The matching request is used for target bank account Number request matched with the Bank Account Number in the corresponding relation；

When the target Bank Account Number is present in the corresponding relation, the server is true according to the corresponding relation Fixed risk class corresponding with the target Bank Account Number；

The risk class of determination is fed back to the terminal by the server；So that the terminal is according to the risk Grade prompts operation corresponding to performing.

According to the fourth aspect of the invention, there is provided a kind of risk class determining device, described device include:

Acquisition module is reported, for obtaining the Bank Account Number in several report communication informations；

Feature acquisition module, for obtaining the Bank Account Number corresponding characteristic information in the report communication information, The characteristic information includes：Sent number, at least one of duration is sent by report number and stopping, the stopping is sent Duration refers to the time interval between the time that described Bank Account Number the last time sent and current time；

Level determination module, for determining risk class corresponding with the Bank Account Number, institute according to the characteristic information State the grade that risk class refers to that the Bank Account Number is malice Bank Account Number.

According to the fifth aspect of the invention, there is provided a kind of transfer operation suggestion device, described device include：

Account receiving module, for receiving target Bank Account Number, the target Bank Account Number refers to be used to receive transfer money The account of gold；

Grade acquisition module, for obtaining risk class corresponding with the target Bank Account Number, the risk class is Previously according to the Bank Account Number grade that corresponding characteristic information determines in the communication information is reported；

Operation indicating module, for prompting operation according to corresponding to risk class execution.

According to the sixth aspect of the invention, there is provided a kind of transfer operation prompt system, the system, including：Server And terminal；

The server, including the as above risk class determining device described in fourth aspect；

The terminal, including the as above transfer operation suggestion device described in the 5th aspect.

The beneficial effect that technical scheme provided in an embodiment of the present invention is brought can include：

By obtaining the Bank Account Number in several report communication informations；It is right in the communication information is reported to obtain Bank Account Number The characteristic information answered；Risk class corresponding with Bank Account Number is determined according to characteristic information, can be implemented to swindle in Bank Account Number Before success, risk class corresponding to the Bank Account Number in the report communication information is determined in advance, so as to solve due to existing skill Account information storehouse is swindled in art to establish after Bank Account Number is swindled successfully, causes the account No. swindled in account information storehouse The problem of being all generally the account No. abandoned；It is corresponding with Bank Account Number the real-time determination before swindling successfully has been reached Risk class, improve the effect of the validity for the risk class determined.

Brief description of the drawings

Technical scheme in order to illustrate the embodiments of the present invention more clearly, make required in being described below to embodiment Accompanying drawing is briefly described, it should be apparent that, drawings in the following description are only some embodiments of the present invention, for For those of ordinary skill in the art, on the premise of not paying creative work, other can also be obtained according to these accompanying drawings Accompanying drawing.

Fig. 1 shows a kind of structural representation for implementation environment that section Example of the present invention provides；

Fig. 2 shows that a kind of risk class that one embodiment of the invention provides determines the flow chart of method；

Fig. 3 shows that a kind of risk class that another embodiment of the present invention provides determines the flow chart of method；

Fig. 4 shows that a kind of risk class that another embodiment of the invention provides determines the flow chart of method；

Fig. 5 shows that a kind of risk class that further embodiment of the present invention provides determines the flow chart of method；

Fig. 6 shows that a kind of risk class that a still further embodiment of the present invention provides determines the flow chart of method；

Fig. 7 shows a kind of schematic diagram for renewal risk class that one embodiment of the invention provides；

Fig. 8 shows a kind of flow chart for transfer operation reminding method that one embodiment of the invention provides；

Fig. 9 A show a kind of flow chart for transfer operation reminding method that another embodiment of the present invention provides；

Fig. 9 B show a kind of flow chart for transfer operation prompting process that one embodiment of the invention provides；

Figure 10 shows a kind of flow chart for transfer operation reminding method that another embodiment of the present invention provides；

Figure 11 shows a kind of structured flowchart for risk class determining device that one embodiment of the invention provides；

Figure 12 shows a kind of structured flowchart for transfer operation suggestion device that one embodiment of the invention provides；

Figure 13 shows a kind of structured flowchart for transfer operation prompt system that one embodiment of the invention provides；

Figure 14 shows a kind of structural representation for server that one embodiment of the invention provides；

Figure 15 shows a kind of structural representation for terminal that one embodiment of the invention provides.

Embodiment

To make the object, technical solutions and advantages of the present invention clearer, below in conjunction with accompanying drawing to embodiment party of the present invention Formula is described in further detail.

Fig. 1 is refer to, a kind of structural representation of the implementation environment provided it illustrates section Example of the present invention, the reality Applying environment includes：Mobile terminal 120, server 140 and terminal 160.

Mobile terminal 120 can be mobile phone, tablet personal computer, pocket computer on knee and desktop computer etc..It is mobile The intelligent steward for obtaining malicious communication information is installed, malicious communication information includes carrying the logical of Bank Account Number in terminal 120 Letter information.Such as：The mobile phone house keeper for obtaining malice short message is installed in smart mobile phone；Again such as：It is provided with tablet personal computer Obtain computer house keeper of malicious communication information etc..

Optionally, mobile terminal 120 can be the mobile terminal collection of a mobile terminal or more mobile terminal compositions.

Connection is established by wireless network or cable network between mobile terminal 120 and server 140.Mobile terminal 120 When receiving malicious communication information, intelligent steward can intercept the malicious communication information, and be intercepted to the report of server 140 Malicious communication information.

Server 140 is the background server of communication class application program.Server 140 can be a server, more Server group into server cluster or cloud computing center.

Server 140 is obtained and taken in malicious communication information after the malicious communication information of the report of mobile terminal 120 is received The Bank Account Number of band and the corresponding characteristic information in malicious communication information, characteristic information include：Sent number, by report time Number and stopping send at least one of duration；Stopping transmission duration refers to the time sent described Bank Account Number the last time Time interval between current time.The risk according to corresponding to the characteristic information got determines Bank Account Number of server 140 Grade.

Connection is established by wireless network or cable network between server 140 and terminal 160.Terminal 160 is receiving After target Bank Account Number, matching request is sent to server 140, matching request is used for request server and determined and target bank account Risk class corresponding to number.Optionally, terminal 160 is ATM.

Optionally, the corresponding relation between the Bank Account Number and risk class of determination is sent to terminal by server 140 160, terminal 160 determines risk corresponding with target Bank Account Number etc. after target Bank Account Number is received, according to corresponding relation Level.

Fig. 2 is refer to, a kind of risk class provided it illustrates one embodiment of the invention determines the flow chart of method. This method includes：

Step 201, the Bank Account Number in several report communication informations is obtained.

Step 202, Bank Account Number corresponding characteristic information in the communication information is reported is obtained.

Optionally, characteristic information includes：Sent number, by report number and stop sending at least one of duration. Optionally, stop sending the time interval between the time and current time that duration refers to that Bank Account Number the last time sent.

Step 203, risk class corresponding with Bank Account Number is determined according to characteristic information.

Optionally, risk class refers to the grade that Bank Account Number is malice Bank Account Number.

In summary, risk class provided in an embodiment of the present invention determines method, by obtaining several report communication letters Bank Account Number in breath；Obtain Bank Account Number corresponding characteristic information in the communication information is reported；According to characteristic information determine with Risk class corresponding to Bank Account Number, it can be determined in advance in the report communication information before Bank Account Number is implemented to swindle successfully Bank Account Number corresponding to risk class, so as to solve due to swindle in the prior art account information storehouse be Bank Account Number cheat Turn into after work(what is established by deceiving, the account No. for causing to swindle in account information storehouse is generally all asking for the account No. abandoned Topic；Reach before swindling successfully and to have determined risk class corresponding with Bank Account Number in real time, improved the risk class determined The effect of validity.

Fig. 3 is refer to, a kind of risk class provided it illustrates another embodiment of the present invention determines the flow of method Figure.This method includes：

Step 301, the Bank Account Number in several report communication informations is obtained.

Server obtains several report communication informations, and the content obtaining in several report communication informations is reported logical The Bank Account Number carried in letter information.

Optionally, several report communication informations are the communication informations that user provides during report, or, several Report that the communication information is that terminal intercepts the communication information reported during malicious communication information；The communication information includes：Short message, immediately Information in instant messaging information and mail in communication software etc..

Server can obtain the Bank Account Number that the report communication information carries by the possible implementation of the following two kinds：

In a kind of possible implementation, server is after the report communication information is got, first to report communication letter The numeric string carried in breath is normalized, the numeric string after being normalized；According to the numerical characteristic of Bank Account Number and The Bank Account Number in the numeric string extraction report communication information after normalization；Wherein, the numerical characteristic of Bank Account Number includes：Bank The peculiar digit of account and/or the distinctive former bit digitals of Bank Account Number.Such as：The digit of Industrial and Commercial Bank of China's account is 19 Position, first three bit digital are 622.

In alternatively possible implementation, server is believed after the report communication information is got according to malicious communication The Bank Account Number carried in the breath template extraction report communication information；Wherein, malicious communication information model refers to carry bank's account Number malicious communication information template.

Optionally, after the Bank Account Number during server gets the report communication information, manual examination and verification confirmed service is passed through Whether what device was got is correct Bank Account Number, to ensure that server gets the accuracy of Bank Account Number, is advantageous to improve To the recognition efficiency of malice Bank Account Number.

Step 302, Bank Account Number corresponding characteristic information in the communication information is reported is obtained.

Optionally, characteristic information includes：Sent number, by report number and stop sending at least one of duration. Optionally, stop sending the time interval between the time and current time that duration refers to that Bank Account Number the last time sent. Such as：The time that Bank Account Number the last time is sent is on June 1st, 2016, and current time is August 17 in 2016, then silver-colored A length of 78 days when stopping sending corresponding to row account.

Server obtains Bank Account Number in report communication letter according to the Bank Account Number carried in several report communication informations Corresponding characteristic information in breath.Optionally, sent number includes：Receive the user's of the communication information comprising Bank Account Number Number, or, the number that Bank Account Number occurs in the communication information；Refer to that user provides logical during report by report number The number of Bank Account Number, or, the number of the user of the communication information of the report comprising Bank Account Number are included in letter information.

Optionally, characteristic information can also include：Number of days is enlivened, wherein, enliven number of days and refer to Bank Account Number first time quilt Time interval between the time that the time of transmission and last time are sent.Such as：Bank Account Number for the first time sent when Between be on July 1st, 2016, the time sent for the last time is August in 2016 2, then the number of days that enlivens of the Bank Account Number is 33 days.

Exemplarily, server gets characteristic information corresponding to Bank Account Number as shown in following table one：

Table one

It was found from table one, Bank Account Number 622202*****40149 sent numbers are 2419 times, are by report number 1002 times, the time interval between the last time sent and current time is 56 days, the Bank Account Number first time quilt Time interval between the time that the time of transmission and last time are sent is 41 days；Bank Account Number 622222*****12534 Sent number is 86 times, is 0 time by report number, the time interval between the last time sent and current time For 75 days, the time interval between the time that time and last time that the Bank Account Number is sent for the first time are sent was 20 My god；Bank Account Number 622202*****40158 sent numbers are 524 times, are 101 times by report number, the last time is sent Time and current time between time interval be 30 days, the Bank Account Number time for being sent and last time quilt for the first time Time interval between the time of transmission is 35 days.

It is exemplary, server get carry Bank Account Number 622202*****40149 the report communication information it is as follows Shown in table two：

Table two

Step 303, the i-th risk class corresponding with Bank Account Number is determined according to the value of each characteristic information.

Wherein, the i-th risk class is higher than i+1 risk class, and i is positive integer.

Risk class corresponding to Bank Account Number determines by the value of each characteristic information, risk class corresponding to Bank Account Number Change with the change of the value of each characteristic information.

Optionally, sent number and risk class correlation, Bank Account Number sent number in characteristic information More, risk class corresponding to the Bank Account Number is higher；Such as：Bank Account Number A sent numbers are 1000 times, determine bank's account Number A risk class is the second risk class；Bank Account Number B sent numbers are 100 times, determine Bank Account Number B risk etc. Level is the 3rd risk class.

Optionally, by report number and risk class correlation in characteristic information, Bank Account Number is by report number More, risk class corresponding to the Bank Account Number is higher；Such as：Bank Account Number A is 510 times by report number, determines bank's account Number A risk class is the second risk class；Bank Account Number B is 50 times by report number, determines Bank Account Number B risk class For the 3rd risk class.

Optionally, stop sending duration and risk class correlation in characteristic information, Bank Account Number stops sending Duration is longer, and risk class corresponding to the Bank Account Number is lower；Such as：A length of 41 days when Bank Account Number A stops sending, it is determined that silver-colored Row account A risk class is the second risk class；A length of 75 days when Bank Account Number B stops sending, Bank Account Number B wind is determined Dangerous grade is the 3rd risk class.

In summary, risk class provided in an embodiment of the present invention determines method, by obtaining several report communication letters Bank Account Number in breath；Obtain Bank Account Number corresponding characteristic information in the communication information is reported；According to each characteristic information Value determines risk class corresponding with Bank Account Number, can determine report in advance before Bank Account Number is implemented to swindle successfully Risk class corresponding to Bank Account Number in the communication information, so as to solve due to swindle in the prior art account information storehouse be What Bank Account Number was established after swindling successfully, the account No. for causing to swindle in account information storehouse is generally all the silver abandoned The problem of row account number；Reach and determined risk class corresponding with Bank Account Number in real time before swindling successfully, improved what is determined The effect of the validity of risk class.

In addition, the wind according to corresponding to determining the value of Bank Account Number corresponding each characteristic information in the communication information is reported Dangerous grade so that it is determined that obtained risk class is more accurate.

Based in the embodiment shown in Fig. 3, step 303 determines corresponding with Bank Account Number according to the value of each characteristic information The i-th risk class specific implementation it is as follows：

If characteristic information meets that sent number reaches the first sending threshold value X1, reached the first report threshold value by report number Y1 and stop sending duration when being less than at least one of first duration Z1, it is determined that risk class corresponding with Bank Account Number is the One risk class.

Such as：It is assumed that X1=100, Y1=5, Z1=30；When sent number reaches 100 in characteristic information, and reported Number reaches 5, and stops sending duration less than 30 days, it is determined that Bank Account Number is highly dangerous account.

Optionally, the feature of Bank Account Number also includes corresponding to the first risk class：Especially enliven recently, by report number At least one of a large amount of transmissions in the more and short time.

If characteristic information meets that sent number reaches the second sending threshold value X2, reached the second report threshold value by report number Y2 and stop sending duration when being less than at least one of second duration Z2, it is determined that risk class corresponding with Bank Account Number is the Two risk class.

Such as：It is assumed that X1=20, Y1=51, Z1=60；When sent number reaches 20 in characteristic information, and by report time Number reaches 1, and stops sending duration less than 60 days, it is determined that Bank Account Number is poor risk account.

Optionally, the feature of Bank Account Number also includes corresponding to the second risk class：Have user's report, sent number compared with It is more and to enliven number of days at least one of longer.

If characteristic information meets that sent number reaches the 3rd sending threshold value X3, reached the 3rd report threshold value by report number Y3 and stop sending duration when being less than at least one of the 3rd duration Z3, it is determined that risk class corresponding with Bank Account Number is the Three risk class.

Such as：It is assumed that X1=10, Y1=0, Z1=90；When sent number reaches 10, and stopping transmission in characteristic information Duration is less than 90 days, it is determined that Bank Account Number is slight dangerous account.

Optionally, the feature of Bank Account Number also includes corresponding to the 3rd risk class：No user is reported and/or stops sending Duration is longer.

If characteristic information meets that sent number reaches the 4th sending threshold value X4, reached the 4th report threshold value by report number Y4 and stop sending duration when being less than at least one of the 4th duration Z4, it is determined that risk class corresponding with Bank Account Number is the Four risk class.

Such as：It is assumed that X1=1, Y1=0, Z1=150；When sent number reaches 1 in characteristic information, and stops sending It is long to be less than 150 days, it is determined that Bank Account Number is doubtful dangerous account or expired dangerous account.

Optionally, the feature of Bank Account Number also includes corresponding to the 4th risk class：When no user is reported and stops sending It is longer.

Wherein, X1 is more than X4 more than X2 more than X3；Y1 is more than Y4 more than Y2 more than Y3；Z1 is more than Z4 more than Z2 more than Z3； First risk class is higher than the 4th risk class higher than the second risk class higher than the 3rd risk class.

In summary, risk class provided in an embodiment of the present invention determines method, true according to the value of each characteristic information Fixed risk class corresponding with Bank Account Number；So that the risk class determined is more accurate.

Based in the embodiment shown in Fig. 3, determined and Bank Account Number pair according to the value of each characteristic information in step 303 After the i-th risk class answered, 401 can also be comprised the following steps to step 403, as shown in Figure 4：

Step 401, sent number corresponding to Bank Account Number is obtained again every the first preset duration.

Server after corresponding with Bank Account Number risk class is determined according to the value of each characteristic information of Bank Account Number, Sent number corresponding to Bank Account Number is obtained again every the first preset duration.Such as：It is determined that wind corresponding to Bank Account Number Dangerous grade be the 3rd risk class after, every 10 days again obtain Bank Account Number corresponding to sent number.

Step 402, the difference between sent number that this gets and the sent number that last time gets is detected Whether first threshold is reached.

After sent number corresponding to Bank Account Number is got again, that detects that this gets is sent time server Whether the difference between the sent number that number and last time get reaches first threshold.

Such as：This sent number for getting Bank Account Number 622202****40419 is 150 times, and last time gets Bank Account Number 622202****40419 sent number be 100 times, it is assumed that first threshold 20, then server detect this 150 and last time got get 100 between difference 150-100=50 whether reach first threshold 20.

Step 403, if reaching first threshold, risk class corresponding to Bank Account Number is raised from i+1 risk class To the i-th risk class.

If server detects the difference between this sent number got and the sent number that last time gets Value reaches first threshold, illustrates the Bank Account Number in the first preset duration, and sent number increased, then server will be upper Risk class is increased to the i-th risk class from i+1 risk class corresponding to the Bank Account Number of secondary determination.

Such as：In the example of step 402, because 150-100=50 is more than first threshold 20, so server was by last time 3rd risk class corresponding to the Bank Account Number 622202****40419 of determination is increased to the second risk class.

Optionally, if the sent number that this sent number got was got much smaller than last time, server Risk class corresponding to Bank Account Number is reduced to i+1 risk class from the i-th risk class.

Such as：The corresponding risk class that Bank Account Number 622222*****12534 last time is determined is second risk etc. Level, this sent number for getting Bank Account Number 622222*****12534 is 150, the sent number that last time gets For 1000, then risk class corresponding to Bank Account Number 622222*****12534 is reduced to by server from the second risk class Three risk class.

In summary, risk class provided in an embodiment of the present invention determines method, passes through acquisition every the first preset duration To sent number risk class corresponding to Bank Account Number is updated；Realize and sent according to corresponding to Bank Account Number Number is updated to risk class corresponding to Bank Account Number in real time, be advantageous to improve the accuracy of risk class determined and Validity.

Embodiment shown in Fig. 4 be server determine risk class corresponding to Bank Account Number the first preset duration it Afterwards, pair the first possible implementation that the risk class determined is updated, as second of possible implementation, such as Shown in lower Fig. 5, step 401 is to the alternative step 501 that is exemplified as of step 403 to step 503：

Step 501, obtained again corresponding to Bank Account Number by report number every the second preset duration.

Server after corresponding with Bank Account Number risk class is determined according to the value of each characteristic information of Bank Account Number, Obtained again corresponding to Bank Account Number by report number every the second preset duration.Such as：It is determined that wind corresponding to Bank Account Number Dangerous grade be the 3rd risk class after, every 30 days again obtain Bank Account Number corresponding to by report number.

Step 502, detect that this gets got by report number and last time by the difference between report number Whether Second Threshold is reached.

Server after getting again corresponding to Bank Account Number by report number, detect that this gets by report time Whether what number and last time got reaches Second Threshold by the difference between report number.

Such as：What this got Bank Account Number 622202****40419 is 25 times by report number, and last time gets silver Row account 622202****40419 by report number be 11 times, it is assumed that Second Threshold 10, then server detect this acquisition To 25 and last time get 11 between difference 25-11=14 whether reach Second Threshold 10.

Step 503, if reaching Second Threshold, risk class corresponding to Bank Account Number is raised from i+1 risk class To the i-th risk class.

What if server detected that this gets got by report number and last time by the difference between report number Value reaches Second Threshold, illustrates that the Bank Account Number in the second preset duration, increased by report number, then server will be upper Risk class is increased to the i-th risk class from i+1 risk class corresponding to the Bank Account Number of secondary determination.

Such as：In the example of step 502, because 25-11=14 is more than Second Threshold 10, so server is true by last time 3rd risk class corresponding to fixed Bank Account Number 622202****40419 is increased to the second risk class.

Optionally, if this get by report number much smaller than last time get by report number, server Risk class corresponding to Bank Account Number is reduced to i+1 risk class from the i-th risk class.

Such as：The corresponding risk class that Bank Account Number 622222*****12534 last time is determined is second risk etc. Level, what this got Bank Account Number 622222*****12534 is 10 times by report number, and last time gets secondary by report Number is 100 times, then server reduces risk class corresponding to Bank Account Number 622222*****12534 from the second risk class To the 3rd risk class.

In summary, risk class provided in an embodiment of the present invention determines method, passes through acquisition every the second preset duration To risk class corresponding to Bank Account Number is updated by report number；Realize and reported according to corresponding to Bank Account Number Number is updated to risk class corresponding to Bank Account Number in real time, be advantageous to improve the accuracy of risk class determined and Validity.

Embodiment shown in Fig. 4 and Fig. 5 be after server determines risk class corresponding to Bank Account Number, pair determine Two kinds of possible implementations that risk class is updated, as the third possible implementation, are illustrated in fig. 6 shown below, step Rapid 401 to the alternative step 601 that is exemplified as of step 403 to step 603：

Step 601, obtained again every the 3rd preset duration and stop sending duration corresponding to Bank Account Number.

Server after corresponding with Bank Account Number risk class is determined according to the value of each characteristic information of Bank Account Number, Obtained again every the 3rd preset duration and stop sending duration corresponding to Bank Account Number.Such as：It is determined that corresponding to Bank Account Number Risk class sends duration after the 3rd risk class, to obtain stopping corresponding to Bank Account Number again every 30 days.

Step 602, the stopping that the stopping that this gets sends duration and last time gets is detected to send between duration Whether difference reaches the 3rd threshold value.

Server detects this stopping hair getting after stopping transmission duration corresponding to Bank Account Number is got again Send duration and whether difference that stopping that last time gets is sent between duration reaches the 3rd threshold value.

Such as：A length of 65 days when this stopping for getting Bank Account Number 622202****40419 is sent, last time gets Bank Account Number 622202****40419 is 25 times by report number, it is assumed that the 3rd threshold value is 30, then server detects this and obtained 65 and last time got get 25 between difference 65-25=40 whether reach the 3rd threshold value 30.

Step 603, if reaching the 3rd threshold value, risk class corresponding to Bank Account Number is reduced to from the i-th risk class I+1 risk class.

If server is detected between the stopping transmission duration that this stopping got sends duration and last time gets Difference reach the 3rd threshold value, illustrate the Bank Account Number in the 3rd preset duration, stop send duration extended, then service Risk class is reduced to i+1 risk class from the i-th risk class corresponding to the Bank Account Number that device determines last time.

Such as：In the example of step 602, because 65-25=40 is more than the 3rd threshold value 30, so server is true by last time 3rd risk class corresponding to fixed Bank Account Number 622202****40419 is reduced to the 4th risk class.

Optionally, if this stopping got sends duration sends duration much larger than the stopping that last time gets, take Risk class corresponding to Bank Account Number is increased to the i-th risk class by business device from i+1 risk class.

Such as：The corresponding risk class that Bank Account Number 622222*****12534 last time is determined is second risk etc. Level, a length of 30 days when this stopping for getting Bank Account Number 622222*****12534 is sent, what last time got is reported Number is 60 days, then server raises risk class corresponding to Bank Account Number 622222*****12534 from the second risk class To the first risk class.

In summary, risk class provided in an embodiment of the present invention determines method, passes through acquisition every the 3rd preset duration To stopping send duration risk class corresponding to Bank Account Number is updated；Realize the stopping according to corresponding to Bank Account Number Send duration to be in real time updated risk class corresponding to Bank Account Number, be advantageous to the accurate of the risk class that raising is determined Property and validity.

In an exemplary example, as shown in fig. 7, server according to the characteristic information of Bank Account Number by Bank Account Number Four risk class, respectively highly dangerous, poor risk, slight dangerous and doubtful account are divided into, wherein, highly dangerous It is characterized as：Sent number >=100, by report number >=5, stop sending duration ＜ 30 days；The feature of poor risk is：Sent out Number >=20 are sent, by report number >=1, stop sending duration ＜ 60 days；Slightly dangerous feature is：Sent number >=10, Stop sending duration ＜ 90 days；The feature of doubtful account is：Characteristic information is not complete, can not determine.According to Fig. 4 embodiments and Fig. 6 Risk class corresponding to the Bank Account Number for two kinds of pairs of determinations for implementing to exemplify is updated method, shows that Bank Account Number is corresponding Risk class rise and reduction schematic diagram, it is assumed that risk class corresponding to Bank Account Number A is doubtful account, every first After preset duration, get Bank Account Number A corresponding to sent number gradually increase, then server is by corresponding to Bank Account Number A Risk class is gradually risen as slight dangerous, poor risk and highly dangerous from doubtful account.It is assumed that wind corresponding to Bank Account Number B Dangerous grade is highly dangerous, after the 3rd preset duration, gets stopping transmission duration corresponding to Bank Account Number B and gradually increases Long, then risk class corresponding to Bank Account Number B is gradually decrease to poor risk, slight dangerous and doubtful by server from highly dangerous Like account, such as：Stop sending duration more than 30 days, risk class corresponding to Bank Account Number B is gradually reduced from highly dangerous To poor risk；Stop sending duration more than 60, risk class corresponding to Bank Account Number B is gradually decrease to gently from poor risk Degree is dangerous；Stop sending duration more than 90 days, risk class corresponding to Bank Account Number B is gradually decrease to from slight danger doubtful Account.

Embodiment shown in Fig. 1 to Fig. 6 is only illustrated using server as executive agent, not to of the invention real Apply the executive agent in example and make specific limit.Optionally, can also be using terminal as executive agent, specifically in the embodiment of the present invention Implementation procedure is identical with the step in Fig. 1 to Fig. 6 embodiments, and here is omitted.

It should be added that the embodiment shown in Fig. 1 to Fig. 6 is to predefine risk class corresponding to Bank Account Number Process, according to corresponding to predetermined Bank Account Number risk class prevent or intercept fund be transferred to from user's Bank Account Number The detailed process below figure 8 of target Bank Account Number is to the embodiment shown in Figure 10.

Fig. 8 is refer to, the flow chart of the transfer operation reminding method provided it illustrates one embodiment of the invention.The party Method includes：

Step 801, target Bank Account Number is received, target Bank Account Number refers to the account for receiving transfer fund.

Step 802, risk class corresponding with target Bank Account Number is obtained, risk class is existed previously according to Bank Account Number Report the grade that corresponding characteristic information determines in the communication information.

Step 803, operation is prompted according to corresponding to performing risk class.

In summary, transfer operation reminding method provided in an embodiment of the present invention, by receiving target Bank Account Number, obtain Risk class corresponding with target Bank Account Number；Operation is prompted according to corresponding to performing risk class；By in target bank account Number implement swindle successfully before, it is determined that risk class corresponding with target Bank Account Number and perform corresponding to prompting operate so that Solve and established due to swindling account information storehouse in the prior art after Bank Account Number is swindled successfully, swindle account information storehouse In account No. be generally all the account No. abandoned, cause to implement swindle target Bank Account Number knowledge The problem of not less efficient；Having reached can be effectively silver-colored to implementing the target of swindle according to predetermined risk class Row account is intercepted, and improves the effect of the discrimination to target Bank Account Number.

When the corresponding relation between Bank Account Number and risk class prestores in the server, the embodiment of the present invention carries The transfer operation reminding method of confession may include steps of, as shown in Figure 9 A：

Step 901, terminal receives target Bank Account Number, and target Bank Account Number refers to the account for receiving transfer fund.

Terminal receives the target Bank Account Number of user's input first, and target Bank Account Number is that user obtains from the communication information The Bank Account Number arrived.

Optionally, target Bank Account Number refers to the account for receiving transfer fund.

Step 902, terminal to server sends the matching request for carrying target Bank Account Number.

The corresponding relation being previously stored with server between Bank Account Number and risk class, matching request are used for mesh The request that mark Bank Account Number is matched with the Bank Account Number in corresponding relation.

Terminal generates matching request after target Bank Account Number is received, according to target Bank Account Number, in the matching request Target Bank Account Number is carried, and the matching request of generation is sent to server.

Step 903, the matching request for carrying target Bank Account Number that server receiving terminal is sent.

Step 904, server obtains and target Bank Account Number according to the corresponding relation and target Bank Account Number prestored Corresponding risk class.

Server obtains the target Bank Account Number that carries in matching request after matching request is received, according to depositing in advance The corresponding relation of storage, detection target Bank Account Number correspond to pass with the presence or absence of in the Bank Account Number in corresponding relation if being present in In Bank Account Number in system, then risk class corresponding with target Bank Account Number is obtained.

Step 905, the risk class got is fed back to terminal by server.

After server gets risk class corresponding with target Bank Account Number, the risk class got was sent to end End.

Step 906, the risk class of terminal the reception server feedback.

Step 907, when risk class is xth risk class, terminal performs the prompting operation of stopping fund transfer.

Optionally, Bank Account Number corresponding to xth risk class is the Bank Account Number of highly dangerous, then terminal is receiving mesh When risk class corresponding to marking Bank Account Number is xth risk class, directly stops user and shift fund from user's Bank Account Number To the operation of target account No..

Optionally, when risk class is y risk class, terminal performs risk etc. corresponding to display target Bank Account Number The prompting operation of level.

Bank Account Number corresponding to y risk class is slight dangerous Bank Account Number, then terminal is receiving target bank When risk class corresponding to account is y risk class, the wind corresponding to display target Bank Account Number in the display interface of terminal Dangerous grade, it is easy to remind ownership goal Bank Account Number certain danger coefficient to be present.

When risk class is z risk class, terminal performs the prompting operation for confirming targeted customer's information, targeted customer Information is information corresponding with target Bank Account Number；When receiving the confirmation of user's triggering, by fund from user bank Account is transferred to target Bank Account Number.

Bank Account Number corresponding to z risk class is doubtful dangerous Bank Account Number, and terminal is receiving target bank account When risk class corresponding to number is z risk class, target corresponding with target Bank Account Number is inquired about according to target Bank Account Number User profile, and the targeted customer's information inquired first is shown in display interface, so that the target for prompting user to confirm display is used Whether family information is correct；When receiving the confirmation of user's triggering, fund is transferred to mesh by terminal from user's Bank Account Number Mark Bank Account Number.

In summary, transfer operation reminding method provided in an embodiment of the present invention, terminal are receiving target Bank Account Number When, matching request is sent to server, server determines risk class corresponding with target Bank Account Number according to corresponding relation, and The risk class of determination is fed back into terminal, terminal prompts operation according to corresponding to performing the risk class；By in target silver Before row account is implemented to swindle successfully, it is determined that prompting operation corresponding to risk class corresponding with target Bank Account Number and execution, Established so as to solve due to swindling account information storehouse in the prior art after Bank Account Number is swindled successfully, swindle account letter The account No. ceased in storehouse is generally all the account No. abandoned, and causes the target Bank Account Number to implementing swindle Recognition efficiency it is relatively low the problem of；Mesh that can effectively to implementing to swindle according to predetermined risk class is reached Mark Bank Account Number is intercepted, and improves the effect of the discrimination to target Bank Account Number.

In an exemplary example, as shown in Figure 9 B, step 91, user inputs target when needing to transfer accounts, to ATM Bank Account Number, ATM receive target Bank Account Number；Step 92, ATM sends the number for carrying target Bank Account Number to server Inquiry request, the black card information storehouse of Bank Account Number is previously stored with server；Server obtains according to the black card information storehouse of Bank Account Number Risk class corresponding with target Bank Account Number is taken, and the risk class got is returned into ATM；Step 93, ATM is according to clothes The risk class that business device returns determines whether target Bank Account Number hits the Bank Account Number in the black card information storehouse of Bank Account Number；Step 94, if the Bank Account Number in the black card information storehouse of target Bank Account Number hit Bank Account Number, takes interception measure, stops fund The operation of target Bank Account Number is transferred to from user's Bank Account Number；Step 95, if the miss Bank Account Number of target Bank Account Number is black Bank Account Number in card information storehouse, then ATM match target Bank Account Number and targeted customer's information；Step 96, ATM by fund from Family Bank Account Number is transferred to target Bank Account Number.

When the corresponding relation between Bank Account Number and risk class prestores in the terminal, the embodiment of the present invention provides Transfer operation reminding method may include steps of, as shown in Figure 10：

Step 1001, target Bank Account Number is received, target Bank Account Number refers to the account for receiving transfer fund.

Optionally, target Bank Account Number refers to the account for receiving transfer fund；Terminal is ATM.

Step 1002, risk class corresponding with target Bank Account Number is inquired about according to the corresponding relation prestored.

Optionally, corresponding relation is the corresponding relation between Bank Account Number and risk class.

Terminal is according to the corresponding relation prestored, and detection target Bank Account Number is with the presence or absence of the bank in corresponding relation In account, if being present in the Bank Account Number in corresponding relation, risk class corresponding with target Bank Account Number is obtained.

Step 1003, when risk class is xth risk class, the prompting operation of stopping fund transfer is performed.

Optionally, Bank Account Number corresponding to xth risk class is the Bank Account Number of highly dangerous, then terminal is in target bank When risk class corresponding to account is xth risk class, directly stops user and fund is transferred to target from user's Bank Account Number The operation of account No..

Optionally, when risk class is y risk class, risk class corresponding to display target Bank Account Number is performed Prompting operation.

Bank Account Number corresponding to y risk class is slight dangerous Bank Account Number, then terminal is in target Bank Account Number pair When the risk class answered is y risk class, the risk class corresponding to display target Bank Account Number in the display interface of terminal, It is easy to remind ownership goal Bank Account Number certain danger coefficient to be present.

When risk class is z risk class, simultaneously targeted customer's information corresponding to display target Bank Account Number is inquired about； When receiving the confirmation of user's triggering, fund is transferred to target Bank Account Number from user's Bank Account Number.

Bank Account Number corresponding to z risk class is doubtful dangerous Bank Account Number, and terminal is corresponding in target Bank Account Number Risk class when being z risk class, targeted customer's letter corresponding with target Bank Account Number is inquired about according to target Bank Account Number Breath, and the targeted customer's information inquired first is shown in display interface, to prompt user to confirm targeted customer's information of display It is whether correct；When receiving the confirmation of user's triggering, fund is transferred to target bank by terminal from user's Bank Account Number Account.

In summary, transfer operation reminding method provided in an embodiment of the present invention, when receiving target Bank Account Number, root Risk class corresponding with target Bank Account Number is inquired about according to the corresponding relation prestored, and according to corresponding to performing risk class Prompting operation；By target Bank Account Number implement swindle successfully before, it is determined that risk class corresponding with target Bank Account Number And perform corresponding to prompting operation, so as to solve due to swindle in the prior art account information storehouse be Bank Account Number swindle into Established after work(, the account No. in swindle account information storehouse is generally all the account No. abandoned, and is caused to The problem of recognition efficiency of the target Bank Account Number of implementation swindle is relatively low；Having reached can have according to predetermined risk class Effect to implement swindle target Bank Account Number intercept, improve the effect of the discrimination to target Bank Account Number.

Figure 11 is refer to, a kind of structural frames of the risk class determining device provided it illustrates one embodiment of the invention Figure.The risk class determining device that the present embodiment provides can be implemented in combination with as service by software, hardware or both All or part of of device or terminal.The device includes：

Acquisition module 1120 is reported, for obtaining the Bank Account Number in several report communication informations.

Feature acquisition module 1140, for obtaining Bank Account Number corresponding characteristic information, feature in the communication information is reported Information includes：Sent number, at least one of duration is sent by report number and stopping, stopping sends duration and refers to bank Time interval between time that account the last time is sent and current time.

Level determination module 1160, for determining risk class corresponding with Bank Account Number, risk etc. according to characteristic information Level refers to the grade that Bank Account Number is malice Bank Account Number.

In summary, risk class determining device provided in an embodiment of the present invention, by obtaining several report communication letters Bank Account Number in breath；Obtain characteristic information corresponding to Bank Account Number；Wind corresponding with Bank Account Number is determined according to characteristic information Dangerous grade, it can be determined in advance corresponding to the Bank Account Number in the report communication information before Bank Account Number is implemented to swindle successfully Risk class, established so as to solve due to swindling account information storehouse in the prior art after Bank Account Number is swindled successfully, The problem of account No. for causing to swindle in account information storehouse is generally all the account No. abandoned；Reach and swindled Risk class corresponding with Bank Account Number is determined before success in real time, improves the effect of the validity for the risk class determined.

Based in the embodiment shown in Figure 11, optionally, risk class includes at least two；Level determination module 1160, It is additionally operable to determine the i-th risk class corresponding with Bank Account Number according to the value of each characteristic information；I-th risk class is higher than the I+1 risk class, i are positive integer.

Optionally, sent number and risk class correlation；And/or it is in risk class by report number Positive correlation；And/or stop sending duration and risk class correlation.

Optionally, level determination module 1160, including：First determining unit, or, the second determining unit, or, the 3rd determination Unit, or, the 4th determining unit.

First determining unit, for meeting that sent number reaches the first sending threshold value X1, by report time in characteristic information When number reaches the first report threshold value Y1 and stops sending duration less than at least one of first duration Z1, it is determined that and Bank Account Number Corresponding risk class is the first risk class.

Second determining unit, for meeting that sent number reaches the second sending threshold value X2, by report time in characteristic information When number reaches the second report threshold value Y2 and stops sending duration less than at least one of second duration Z2, it is determined that and Bank Account Number Corresponding risk class is the second risk class.

3rd determining unit, for meeting that sent number reaches the 3rd sending threshold value X3, by report time in characteristic information Number reaches the 3rd report threshold value Y3 and stopped sending duration when being less than at least one of the 3rd duration Z3, it is determined that and Bank Account Number Corresponding risk class is the 3rd risk class.

4th determining unit, for meeting that sent number reaches the 4th sending threshold value X4, by report time in characteristic information Number reaches the 4th report threshold value Y4 and stopped sending duration when being less than at least one of the 4th duration Z4, it is determined that and Bank Account Number Corresponding risk class is the 4th risk class；

Optionally, the device, in addition to：First acquisition module, first detection module and the first rise module.

First acquisition module, for obtaining sent number corresponding to Bank Account Number again every the first preset duration.

First detection module, for detect sent number that sent number that this gets got with last time it Between difference whether reach first threshold.

First rise module, for when reaching first threshold, by risk class corresponding to Bank Account Number from i+1 risk Grade is increased to the i-th risk class.

Optionally, the device, in addition to：Second acquisition module, the second detection module and the second rise module.

Second acquisition module, for being obtained again corresponding to Bank Account Number by report number every the second preset duration.

Second detection module, for being got by report number and last time of detecting that this gets by report number it Between difference whether reach Second Threshold.

Second rise module, for when reaching Second Threshold, by risk class corresponding to Bank Account Number from i+1 risk Grade is increased to the i-th risk class.

Optionally, the device, in addition to：3rd acquisition module, the 3rd detection module and grade reduce module.

3rd acquisition module, stop sending duration corresponding to Bank Account Number for obtaining again every the 3rd preset duration.

3rd detection module, when sending the stopping transmission that duration was got with last time for detecting this stopping got Whether the difference between length reaches the 3rd threshold value.

Grade reduces module, for when reaching three threshold values, by risk class corresponding to Bank Account Number from i-th risk etc. Level is reduced to i+1 risk class.

Figure 12 is refer to, a kind of structural frames of the transfer operation suggestion device provided it illustrates one embodiment of the invention Figure.The present embodiment provide transfer operation suggestion device can by software, hardware or both be implemented in combination with turn into terminal All or part of.The device includes：

Account receiving module 1220, for receiving target Bank Account Number, target Bank Account Number refers to be used to receive transfer money The account of gold.

Grade acquisition module 1240, for obtaining risk class corresponding with target Bank Account Number, risk class is advance According to the Bank Account Number grade that corresponding characteristic information determines in the communication information is reported.

Operation indicating module 1260, for prompting operation according to corresponding to risk class execution.

In summary, transfer operation suggestion device provided in an embodiment of the present invention, by receiving target Bank Account Number, obtain Risk class corresponding with target Bank Account Number；Operation is prompted according to corresponding to performing risk class；By in target bank account Number implement swindle successfully before, it is determined that risk class corresponding with target Bank Account Number and perform corresponding to prompting operate so that Solve and established due to swindling account information storehouse in the prior art after Bank Account Number is swindled successfully, swindle account information storehouse In account No. be generally all the account No. abandoned, cause to implement swindle target Bank Account Number knowledge The problem of not less efficient；Having reached can be effectively silver-colored to implementing the target of swindle according to predetermined risk class Row account is intercepted, and improves the effect of the discrimination to target Bank Account Number.

Based in the embodiment shown in Figure 12, optionally, grade acquisition module 1240, including：Request transmitting unit 1241 With grade receiving unit 1242.

Request transmitting unit 1241, the matching request of target Bank Account Number, server are carried for being sent to server In be previously stored with corresponding relation between Bank Account Number and risk class, matching request be used for by target Bank Account Number with it is right The request that Bank Account Number in should being related to is matched.

Grade receiving unit 1242, for the risk class of the reception server feedback, risk class is target Bank Account Number In the presence of in corresponding relation, risk class corresponding with target Bank Account Number.

Optionally, grade acquisition module 1240, it is additionally operable to according to the corresponding relation inquiry and target bank account prestored Risk class corresponding to number；Corresponding relation is the corresponding relation between Bank Account Number and risk class.

Optionally, operation indicating module 1260, including：First Tip element, or, the second Tip element, or, the 3rd prompting Unit and fund buanch unit.

First Tip element, for when risk class is xth risk class, performing the prompting behaviour of stopping fund transfer Make.

Second Tip element, for when risk class is y risk class, performing corresponding to display target Bank Account Number The prompting operation of risk class.

3rd Tip element, for when risk class is z risk class, performing the prompting for confirming targeted customer's information Operation, targeted customer's information is information corresponding with target Bank Account Number；Fund buanch unit, for receiving user's triggering Confirmation when, fund is transferred to target Bank Account Number from user's Bank Account Number.

Figure 13 is refer to, a kind of structure side of the transfer operation prompt system provided it illustrates one embodiment of the invention Block diagram, the system include：Server 1320 and terminal 1340；

Server 1320 includes the risk class determining device as shown in Figure 11 embodiments；

Terminal 1340 includes the transfer operation suggestion device as shown in Figure 12 embodiments.

Figure 14 is refer to, the structural representation of the server provided it illustrates one embodiment of the invention.The service Device 1400 includes CPU (CPU) 1401 including random access memory (RAM) 1402 and read-only storage (ROM) 1403 system storage 1404, and connection system storage 1404 and the system bus 1405 of CPU 1401. The server 1400 also includes the basic input/output (I/O of transmission information between each device in help computer System) 1406, and set for the massive store of storage program area 1413, application program 1414 and other program modules 1415 Standby 1407.

The basic input/output 1406 includes for the display 1408 of display information and inputted for user The input equipment 1409 of such as mouse, keyboard etc of information.Wherein described display 1408 and input equipment 1407 all pass through The IOC 1410 for being connected to system bus 1405 is connected to CPU 1401.The basic input/defeated Going out system 1406 can also touch including IOC 1410 for receiving and handling from keyboard, mouse or electronics Control the input of multiple other equipments such as pen.Similarly, IOC 1410 also provide output to display screen, printer or Other kinds of output equipment.

The mass-memory unit 1407 (is not shown by being connected to the bulk memory controller of system bus 1405 Go out) it is connected to CPU 1401.The mass-memory unit 1407 and its associated computer-readable medium are Server 1400 provides non-volatile memories.That is, the mass-memory unit 1407 can include such as hard disk or The computer-readable medium (not shown) of person's CD-ROM drive etc.

Without loss of generality, the computer-readable medium can include computer-readable storage medium and communication media.Computer Storage medium is included for information such as storage computer-readable instruction, data structure, program module or other data The volatibility and non-volatile, removable and irremovable medium that any method or technique is realized.Computer-readable storage medium includes RAM, ROM, EPROM, EEPROM, flash memory or other solid-state storages its technologies, CD-ROM, DVD or other optical storages, tape Box, tape, disk storage or other magnetic storage apparatus.Certainly, skilled person will appreciate that the computer-readable storage medium It is not limited to above-mentioned several.Above-mentioned system storage 1404 and mass-memory unit 1407 may be collectively referred to as memory.

According to various embodiments of the present invention, the server 1400 can also be arrived by network connections such as internets Remote computer operation on network.Namely server 1400 can be connect by the network being connected on the system bus 1405 Mouth unit 1411 is connected to network 1412, in other words, can also be connected to using NIU 1411 other kinds of Network or remote computer system (not shown).

The memory also includes one or more than one program, one or more than one program storage in In memory, the risk class that one or more than one program is used to perform above-described embodiment offer determines method.

Figure 15 is refer to, it illustrates the structural representation of the terminal involved by the embodiment of the present invention, the terminal can be used In the transfer operation reminding method for implementing to provide in above-described embodiment.Specifically：

Terminal 1500 can include RF (Radio Frequency, radio frequency) circuit 210, include one or more The memory 220 of computer-readable recording medium, input block 230, display unit 240, sensor 250, voicefrequency circuit 260, WiFi (wireless fidelity, Wireless Fidelity) module 270, include one or the processing of more than one processing core The part such as device 280 and power supply 290.It will be understood by those skilled in the art that the terminal structure shown in Figure 15 is not formed pair The restriction of terminal, it can include than illustrating more or less parts, either combine some parts or different part cloth Put.Wherein：

RF circuits 210 can be used for receive and send messages or communication process in, the reception and transmission of signal, especially, by base station After downlink information receives, transfer to one or more than one processor 280 is handled；In addition, it is sent to up data are related to Base station.Generally, RF circuits 210 include but is not limited to antenna, at least one amplifier, tuner, one or more oscillators, use Family identity module (SIM) card, transceiver, coupler, LNA (Low Noise Amplifier, low-noise amplifier), duplex Device etc..In addition, RF circuits 210 can also be communicated by radio communication with network and other equipment.The radio communication can make With any communication standard or agreement, and including but not limited to GSM (Global System of Mobile communication, entirely Ball mobile communcations system), GPRS (General Packet Radio Service, general packet radio service), CDMA (Code Division Multiple Access, CDMA), WCDMA (Wideband Code Division Multiple Access, WCDMA), LTE (Long Term Evolution, Long Term Evolution), Email, SMS (Short Messaging Service, Short Message Service) etc..

Memory 220 can be used for storage software program and module, and processor 280 is stored in memory 220 by operation Software program and module, so as to perform various function application and data processing.Memory 220 can mainly include storage journey Sequence area and storage data field, wherein, storing program area can storage program area, the application program (ratio needed at least one function Such as sound-playing function, image player function) etc.；Storage data field can store uses created number according to terminal 1500 According to (such as voice data, phone directory etc.) etc..In addition, memory 220 can include high-speed random access memory, can also wrap Include nonvolatile memory, a for example, at least disk memory, flush memory device or other volatile solid-state parts. Correspondingly, memory 220 can also include Memory Controller, to provide processor 280 and input block 230 to memory 220 access.

Input block 230 can be used for the numeral or character information for receiving input, and generation is set with user and function Control relevant keyboard, mouse, action bars, optics or the input of trace ball signal.Specifically, input block 230 may include to touch Sensitive surfaces 231 and other input equipments 232.Touch sensitive surface 231, also referred to as touch display screen or Trackpad, collect and use Family on or near it touch operation (such as user using any suitable object or annex such as finger, stylus in touch-sensitive table Operation on face 231 or near touch sensitive surface 231), and corresponding attachment means are driven according to formula set in advance.It is optional , touch sensitive surface 231 may include both touch detecting apparatus and touch controller.Wherein, touch detecting apparatus detection is used The touch orientation at family, and the signal that touch operation is brought is detected, transmit a signal to touch controller；Touch controller is from touch Touch information is received in detection means, and is converted into contact coordinate, then gives processor 280, and can reception processing device 280 The order sent simultaneously is performed.Furthermore, it is possible to using polytypes such as resistance-type, condenser type, infrared ray and surface acoustic waves Realize touch sensitive surface 231.Except touch sensitive surface 231, input block 230 can also include other input equipments 232.Specifically, Other input equipments 232 can include but is not limited to physical keyboard, function key (such as volume control button, switch key etc.), One or more in trace ball, mouse, action bars etc..

Display unit 240 can be used for display by the information of user's input or be supplied to the information and terminal 900 of user Various graphical user interface, these graphical user interface can be made up of figure, text, icon, video and its any combination. Display unit 240 may include display panel 241, optionally, can use LCD (Liquid Crystal Display, liquid crystal Show device), the form such as OLED (Organic Light-Emitting Diode, Organic Light Emitting Diode) configure display panel 241.Further, touch sensitive surface 231 can cover display panel 241, when touch sensitive surface 231 detects touching on or near it After touching operation, processor 280 is sent to determine the type of touch event, is followed by subsequent processing type of the device 280 according to touch event Corresponding visual output is provided on display panel 241.Although in fig.15, touch sensitive surface 231 and display panel 241 are conducts Two independent parts come realize input and input function, but in some embodiments it is possible to by touch sensitive surface 231 with display Panel 241 is integrated and realizes input and output function.

Terminal 1500 may also include at least one sensor 250, such as optical sensor, motion sensor and other sensings Device.Specifically, optical sensor may include ambient light sensor and proximity transducer, wherein, ambient light sensor can be according to environment The light and shade of light adjusts the brightness of display panel 241, and proximity transducer can close display when terminal 1500 is moved in one's ear Panel 241 and/or backlight.As one kind of motion sensor, gravity accelerometer can detect in all directions (generally Three axles) acceleration size, size and the direction of gravity are can detect that when static, available for identification mobile phone posture application (ratio Such as horizontal/vertical screen switching, dependent game, magnetometer pose calibrating), Vibration identification correlation function (such as pedometer, tap)；Extremely The other sensors such as the gyroscope that can also configure in terminal 1500, barometer, hygrometer, thermometer, infrared ray sensor, herein Repeat no more.

Voicefrequency circuit 260, loudspeaker 261, microphone 262 can provide the COBBAIF between user and terminal 1500.Sound Electric signal after the voice data received conversion can be transferred to loudspeaker 261, is converted to by loudspeaker 261 by frequency circuit 260 Voice signal exports；On the other hand, the voice signal of collection is converted to electric signal by microphone 262, is received by voicefrequency circuit 260 After be converted to voice data, it is such as another to be sent to through RF circuits 210 then after voice data output processor 280 is handled Terminal, or voice data is exported to memory 220 further to handle.Voicefrequency circuit 260 is also possible that earplug is inserted Hole, to provide the communication of peripheral hardware earphone and terminal 1500.

WiFi belongs to short range wireless transmission technology, and terminal 1500 can help user to receive and dispatch electricity by WiFi module 270 Sub- mail, browse webpage and access streaming video etc., it has provided the user wireless broadband internet and accessed.Although Figure 15 shows Go out WiFi module 270, but it is understood that, it is simultaneously not belonging to must be configured into for terminal 1500, completely can be according to need To be omitted in the essential scope for do not change invention.

Processor 280 is the control centre of terminal 1500, utilizes various interfaces and each portion of connection whole mobile phone Point, by running or performing the software program and/or module that are stored in memory 220, and call and be stored in memory 220 Interior data, the various functions and processing data of terminal 1500 are performed, so as to carry out integral monitoring to mobile phone.Optionally, handle Device 280 may include one or more processing cores；Preferably, processor 280 can integrate application processor and modulation /demodulation processing Device, wherein, application processor mainly handles operating system, user interface and application program etc., and modem processor is mainly located Manage radio communication.It is understood that above-mentioned modem processor can not also be integrated into processor 280.

Terminal 1500 also includes the power supply 290 (such as battery) to all parts power supply, it is preferred that power supply can pass through electricity Management system and processor 280 are logically contiguous, so as to realize management charging, electric discharge and power consumption by power-supply management system The functions such as management.Power supply 290 can also include one or more direct current or AC power, recharging system, power supply event The random component such as barrier detection circuit, power supply changeover device or inverter, power supply status indicator.

Although being not shown, terminal 1500 can also include camera, bluetooth module etc., will not be repeated here.Specifically at this In embodiment, the display unit of terminal 1500 is touch-screen display, and terminal 1500 also includes memory, and one or More than one program, one of them or more than one program storage are configured to by one or one in memory Individual above computing device states one or more than one program.

It should be noted that：Above-described embodiment provide risk class determining device when risk class determines, only more than The division progress of each functional module is stated for example, in practical application, can be as needed and by above-mentioned function distribution by difference Functional module complete, i.e., the internal structure of server or terminal is divided into different functional modules, to complete above description All or part of function.In addition, the risk class determining device that above-described embodiment provides determines method reality with risk class Apply example and belong to same design, its specific implementation process refers to embodiment of the method, repeats no more here.

The transfer operation suggestion device that above-described embodiment provides is when performing prompting operation, only with above-mentioned each functional module Division for example, in practical application, can be completed as needed and by above-mentioned function distribution by different functional modules, The internal structure of terminal is divided into different functional modules, to complete all or part of function described above.In addition, The transfer operation suggestion device that above-described embodiment provides belongs to same design with transfer operation reminding method embodiment, and it is specific real Existing process refers to embodiment of the method, repeats no more here.

The embodiments of the present invention are for illustration only, do not represent the quality of embodiment.

One of ordinary skill in the art will appreciate that hardware can be passed through by realizing all or part of step of above-described embodiment To complete, by program the hardware of correlation can also be instructed to complete, described program can be stored in a kind of computer-readable In storage medium, storage medium mentioned above can be read-only storage, disk or CD etc..

The foregoing is only presently preferred embodiments of the present invention, be not intended to limit the invention, it is all the present invention spirit and Within principle, any modification, equivalent substitution and improvements made etc., it should be included in the scope of the protection.

Claims

1. a kind of risk class determines method, it is characterised in that methods described includes:

Obtain the Bank Account Number in several report communication informations；

Obtaining the Bank Account Number corresponding characteristic information, characteristic information in the report communication information includes：Sent out Send number, at least one of duration is sent by report number and stopping, the transmission duration that stops refers to the Bank Account Number Time interval between the last time sent and current time；

Risk class corresponding with the Bank Account Number is determined according to the characteristic information, the risk class refers to the bank Account is the grade of malice Bank Account Number.

2. according to the method for claim 1, it is characterised in that the risk class includes at least two；It is described according to institute State characteristic information and determine risk class corresponding with the Bank Account Number, including：

The i-th risk class corresponding with the Bank Account Number is determined according to the value of each characteristic information；I-th risk Grade is higher than i+1 risk class, and the i is positive integer.

3. according to the method for claim 2, it is characterised in that

The sent number and the risk class correlation；

And/or

It is described by report number and the risk class correlation；

And/or

It is described to stop sending duration and the risk class correlation.

4. the method according to claim 2, it is characterised in that it is described according to the value of each characteristic information determine with I-th risk class corresponding to the Bank Account Number, including：

Meet that the sent number reaches the first sending threshold value X1, described reaches first by report number in the characteristic information Report threshold value Y1 and it is described stop sending duration when being less than at least one of first duration Z1, it is determined that with the Bank Account Number pair The risk class answered is the first risk class；

Or,

Meet that the sent number reaches the second sending threshold value X2, described reaches second by report number in the characteristic information Report threshold value Y2 and it is described stop sending duration when being less than at least one of second duration Z2, it is determined that with the Bank Account Number pair The risk class answered is the second risk class；

Or,

Meet that the sent number reaches the 3rd sending threshold value X3, described reaches the 3rd by report number in the characteristic information Report threshold value Y3 and it is described stop sending duration when being less than at least one of the 3rd duration Z3, it is determined that with the Bank Account Number pair The risk class answered is the 3rd risk class；

Or,

Meet that the sent number reaches the 4th sending threshold value X4, described reaches the 4th by report number in the characteristic information Report threshold value Y4 and it is described stop sending duration when being less than at least one of the 4th duration Z4, it is determined that with the Bank Account Number pair The risk class answered is the 4th risk class；

Wherein, the X1 is more than the X4 more than the X2 more than the X3；The Y1 is more than more than the Y2 more than the Y3 The Y4；The Z1 is more than the Z4 more than the Z2 more than the Z3；First risk class is higher than second risk Grade is higher than the 4th risk class higher than the 3rd risk class.

5. according to the method for claim 2, it is characterised in that methods described, in addition to：

The sent number corresponding to the Bank Account Number is obtained again every the first preset duration；

Whether detect difference between the sent number that this gets and the sent number that last time gets Reach first threshold；

If reaching the first threshold, risk class corresponding to the Bank Account Number is raised from the i+1 risk class To i-th risk class.

6. according to the method for claim 2, it is characterised in that methods described, in addition to：

Obtained again every the second preset duration described by report number corresponding to the Bank Account Number；

Whether detect difference between the number by report got by report number and last time that this gets Reach Second Threshold；

If reaching the Second Threshold, risk class corresponding to the Bank Account Number is raised from the i+1 risk class To i-th risk class.

7. according to the method for claim 2, it is characterised in that methods described, in addition to：

The stopping corresponding to the Bank Account Number is obtained again every the 3rd preset duration sends duration；

Detect the difference between the stopping transmission duration that this described stopping got sends duration and last time gets Whether threeth threshold value is reached；

If reaching the 3rd threshold value, risk class corresponding to the Bank Account Number is reduced to from i-th risk class The i+1 risk class.

8. a kind of transfer operation reminding method, it is characterised in that methods described includes：

Risk class corresponding with the target Bank Account Number is obtained, the risk class is being reported previously according to Bank Account Number Grade determined by corresponding characteristic information in the communication information；

Operation is prompted according to corresponding to performing the risk class.

9. according to the method for claim 8, it is characterised in that described to obtain risk corresponding with the target Bank Account Number Grade, including：

The matching request for carrying the target Bank Account Number is sent to server, the silver is previously stored with the server Corresponding relation between row account and risk class, the matching request be used for by the target Bank Account Number with it is described corresponding The request that Bank Account Number in relation is matched；

The risk class of the server feedback is received, the risk class is the target Bank Account Number in the correspondence In the presence of in relation, risk class corresponding with the target Bank Account Number.

10. according to the method for claim 8, it is characterised in that described to obtain wind corresponding with the target Bank Account Number Dangerous grade, including：

The risk class corresponding with the target Bank Account Number is inquired about according to the corresponding relation prestored；The corresponding pass System is the corresponding relation between the Bank Account Number and risk class.

11. according to any described method of claim 8 to 10, it is characterised in that described according to risk class execution pair The prompting operation answered, including：

When the risk class is xth risk class, the prompting operation of stopping fund transfer is performed；

Or,

When the risk class is y risk class, performs and show carrying for risk class corresponding to the target Bank Account Number Show operation；

Or,

When the risk class is z risk class, the prompting operation for confirming targeted customer's information, the targeted customer are performed Information is information corresponding with the target Bank Account Number；When receiving the confirmation of user's triggering, by fund from user Bank Account Number is transferred to the target Bank Account Number.

12. a kind of transfer operation reminding method, it is characterised in that methods described includes：

The terminal to server sends the matching request for carrying the target Bank Account Number；Prestored in the server There is the corresponding relation between Bank Account Number and risk class, the risk class is that the server exists according to the Bank Account Number Report the grade that corresponding characteristic information determines in the communication information；The matching request be used for by the target Bank Account Number with The request that Bank Account Number in the corresponding relation is matched；

When the target Bank Account Number is present in the corresponding relation, the server according to the corresponding relation determine with Risk class corresponding to the target Bank Account Number；

The risk class of determination is fed back to the terminal by the server；So that the terminal is according to the risk class Prompting operation corresponding to performing.

13. a kind of risk class determining device, it is characterised in that described device includes:

Feature acquisition module, for obtaining the Bank Account Number in characteristic information, the spy corresponding to the report communication information Reference breath includes：Sent number, at least one of duration is sent by report number and stopping, the transmission duration that stops is Refer to the time interval between the time and current time that described Bank Account Number the last time sent；

Level determination module, for determining risk class corresponding with the Bank Account Number, the wind according to the characteristic information Dangerous grade refers to the grade that the Bank Account Number is malice Bank Account Number.

14. device according to claim 13, it is characterised in that the risk class includes at least two；The grade Determining module, it is additionally operable to determine the i-th risk class corresponding with the Bank Account Number according to the value of each characteristic information； I-th risk class is higher than i+1 risk class, and the i is positive integer.

15. device according to claim 14, it is characterised in that

The sent number and the risk class correlation；

And/or

It is described by report number and the risk class correlation；

And/or

It is described to stop sending duration and the risk class correlation.

16. the device according to claim 14, it is characterised in that the level determination module, including：

First determining unit, for meeting that the sent number reaches the first sending threshold value X1, described in the characteristic information When reaching the first report threshold value Y1 and the stopping transmission duration less than at least one of first duration Z1 by report number, really Fixed risk class corresponding with the Bank Account Number is the first risk class；

Or,

Second determining unit, for meeting that the sent number reaches the second sending threshold value X2, described in the characteristic information When reaching the second report threshold value Y2 and the stopping transmission duration less than at least one of second duration Z2 by report number, really Fixed risk class corresponding with the Bank Account Number is the second risk class；

Or,

3rd determining unit, for meeting that the sent number reaches the 3rd sending threshold value X3, described in the characteristic information When reaching the 3rd report threshold value Y3 and the stopping transmission duration less than at least one of the 3rd duration Z3 by report number, really Fixed risk class corresponding with the Bank Account Number is the 3rd risk class；

Or,

4th determining unit, for meeting that the sent number reaches the 4th sending threshold value X4, described in the characteristic information When reaching the 4th report threshold value Y4 and the stopping transmission duration less than at least one of the 4th duration Z4 by report number, really Fixed risk class corresponding with the Bank Account Number is the 4th risk class；

17. device according to claim 14, it is characterised in that described device, in addition to：

First acquisition module, it is described by transmission time corresponding to the Bank Account Number for being obtained again every the first preset duration Number；

First detection module, described sent time for detect that the sent number that this gets and last time get Whether the difference between number reaches first threshold；

First rise module, for when reaching the first threshold, by risk class corresponding to the Bank Account Number from described I+1 risk class is increased to i-th risk class.

18. device according to claim 14, it is characterised in that described device, in addition to：

Second acquisition module, it is described by report time corresponding to the Bank Account Number for being obtained again every the second preset duration Number；

Second detection module, for detect that this gets it is described got by report number and last time it is described by report time Whether the difference between number reaches Second Threshold；

Second rise module, for when reaching the Second Threshold, by risk class corresponding to the Bank Account Number from described I+1 risk class is increased to i-th risk class.

19. device according to claim 14, it is characterised in that described device, in addition to：

3rd acquisition module, for when the 3rd preset duration obtains the stopping transmission corresponding to the Bank Account Number again It is long；

3rd detection module, the stopping hair for sending duration for detecting this described stopping got and being got with last time Send whether the difference between duration reaches the 3rd threshold value；

Grade reduces module, for when reaching three threshold value, by risk class corresponding to the Bank Account Number from described I-th risk class is reduced to the i+1 risk class.

20. a kind of transfer operation suggestion device, it is characterised in that described device includes：

Account receiving module, for receiving target Bank Account Number, the target Bank Account Number refers to for receiving transfer fund Account；

Grade acquisition module, for obtaining risk class corresponding with the target Bank Account Number, the risk class is advance According to the Bank Account Number grade that corresponding characteristic information determines in the communication information is reported；

21. device according to claim 20, it is characterised in that the grade acquisition module, including：

Request transmitting unit, the matching request of the target Bank Account Number, the server are carried for being sent to server In be previously stored with corresponding relation between the Bank Account Number and risk class, the matching request is used for the target The request that Bank Account Number is matched with the Bank Account Number in the corresponding relation；

Grade receiving unit, for receiving the risk class of the server feedback, the risk class is the target In the presence of Bank Account Number is in the corresponding relation, risk class corresponding with the target Bank Account Number.

22. device according to claim 20, it is characterised in that the grade acquisition module, be additionally operable to basis and deposit in advance The corresponding relation of storage inquires about the risk class corresponding with the target Bank Account Number；The corresponding relation is bank's account Corresponding relation number between risk class.

23. according to any described device of claim 20 to 22, it is characterised in that the operation indicating module, including：

First Tip element, for when the risk class is xth risk class, performing the prompting behaviour of stopping fund transfer Make；

Or,

Second Tip element, for when the risk class is y risk class, performing and showing the target Bank Account Number pair The prompting operation for the risk class answered；

Or,

3rd Tip element, for when the risk class is z risk class, performing the prompting for confirming targeted customer's information Operation, targeted customer's information is information corresponding with the target Bank Account Number；Fund buanch unit, for receiving During the confirmation of user's triggering, fund is transferred to the target Bank Account Number from user's Bank Account Number.

A kind of 24. transfer operation prompt system, it is characterised in that the system, including：Server and terminal；

The server, including the risk class determining device as described in claim 13 to 19 is any；

The terminal, including the transfer operation suggestion device as described in claim 20 to 23 is any.