CN117291599A

CN117291599A - Consumption request processing method, device, computer equipment and storage medium

Info

Publication number: CN117291599A
Application number: CN202311154097.7A
Authority: CN
Inventors: 任朋青
Original assignee: China Construction Bank Corp; CCB Finetech Co Ltd
Current assignee: China Construction Bank Corp; CCB Finetech Co Ltd
Priority date: 2023-09-07
Filing date: 2023-09-07
Publication date: 2023-12-26

Abstract

The present disclosure relates to the technical field of financial data processing, and in particular, discloses a method, an apparatus, a computer device, a storage medium, and a computer program product for processing a consumption request. The method comprises the following steps: responding to a stored-value card deduction request generated based on a cashing operation triggered by a cashing terminal, and acquiring stored-value card information used for consumption; determining stored-value card attributes and preset consumption characteristics of the stored-value card according to the stored-value card information; determining a target consumption feature corresponding to the stored-value card attribute from preset consumption features based on the stored-value card attribute; performing feature matching on the current consumption features of the stored-value card and the target consumption features to obtain feature matching results; and determining a risk assessment result of the stored-value card based on the feature matching result, and processing a deduction request of the stored-value card according to the risk assessment result. The method can improve the transaction safety of the stored-value card.

Description

Consumption request processing method, device, computer equipment and storage medium

Technical Field

The present application relates to the field of financial data processing technology, and in particular, to a method, an apparatus, a computer device, a storage medium, and a computer program product for processing a consumption request.

Background

With the development of consumer market, in order to improve the viscosity of customers, most merchants such as chain supermerchants or restaurants, etc. have introduced various member stored value cards, which are mainly used for storing values for members, facilitating member consumption settlement, point accumulation, etc., and for merchants, the fund operation capability can be improved. Therefore, the method of consuming and settling accounts through the stored-value card is slowly integrated into the life of wide consumers, so that the consumption of the consumers is facilitated, and the business benefit of merchants is promoted.

However, the stored value card issued by the merchant in the market has no standard and safe transaction security assessment mode, and when part of merchants deduct the stored value card, the phenomenon of 'card recognition and unauthentication' exists, so that once the stored value card is lost or cardholder information is revealed, the stored value card has the risk of being stolen and swiped, not only can bring property loss to the cardholder, but also can bring reputation loss to the merchant.

Disclosure of Invention

In view of the foregoing, it is desirable to provide a method, apparatus, computer device, computer readable storage medium, and computer program product for processing a consumption request that can improve the security of stored-value card transactions.

In a first aspect, the present application provides a method for processing a consumption request, the method including:

responding to a stored-value card deduction request generated based on a cashing operation triggered by a cashing terminal, and acquiring stored-value card information used for consumption;

determining the stored-value card attribute and the preset consumption characteristic of the stored-value card according to the stored-value card information;

determining a target consumption feature corresponding to the stored-value card attribute from the preset consumption features based on the stored-value card attribute;

performing feature matching on the current consumption feature of the stored value card and the target consumption feature to obtain a feature matching result;

and determining a risk assessment result of the stored-value card based on the feature matching result, and processing the stored-value card deduction request according to the risk assessment result.

In one embodiment, the stored-value card attribute comprises a shared cardholder attribute; the preset consumption characteristics comprise user preset characteristics, user habit characteristics and merchant characteristics;

the determining, according to the stored-value card attribute, a target consumption feature corresponding to the stored-value card attribute from the preset consumption features includes:

when the stored value card attribute is a shared card holding attribute, acquiring a user identifier of a currently used cardholder;

Determining target preset characteristics and target habit characteristics corresponding to the user identification from the preset consumption characteristics based on the user identification;

and determining the target preset characteristics, the target habit characteristics and the merchant characteristics in the preset consumption characteristics as target consumption characteristics corresponding to the stored value card attributes.

In one embodiment, the stored-value card attribute comprises a shared merchant attribute; the preset consumption characteristics comprise user preset characteristics, user habit characteristics and merchant characteristics;

when the stored value card attribute is a shared merchant attribute, acquiring a merchant identifier of a currently used merchant;

determining target merchant characteristics corresponding to the merchant identifications from the preset consumption characteristics according to the merchant identifications;

and determining the target merchant characteristics, the user preset characteristics and the user habit characteristics in the preset consumption characteristics as target consumption characteristics corresponding to the stored value card attributes.

In one embodiment, the performing feature matching on the current consumption feature of the stored-value card and the target consumption feature to obtain a feature matching result includes:

Extracting the characteristics of the current consumption order information of the stored-value card to obtain the current consumption characteristics of the stored-value card;

performing feature matching on the current consumption features of the stored-value card and the consumption features contained in the target consumption features respectively to obtain feature differences between the consumption features and the current consumption features;

and processing the feature differences between the consumption features and the current consumption features according to the risk assessment weights corresponding to the consumption features to obtain feature matching results.

In one embodiment, the processing the stored-value deduction request based on the risk assessment result includes:

when the risk assessment result of the stored-value card is high risk, generating high risk prompt information and ending the processing flow of the stored-value card deduction request;

and sending the high-risk prompt information to the cashing terminal for display, and prompting that the stored-value card has high risk and cannot be consumed.

when the risk assessment result of the stored-value card is a medium risk, acquiring at least two verification modes preset by the stored-value card;

Determining a target verification mode for carrying out identity verification on a currently used cardholder based on the at least two verification modes;

and when the identity verification of the currently used cardholder is passed according to the target verification mode, carrying out deduction processing on the stored-value card based on the stored-value card consumption request.

In one embodiment, the determining, based on the at least two verification methods, a target verification method for authenticating the currently-used cardholder includes:

determining a verification type when the identity of the currently used cardholder is verified according to the feature matching result when the risk assessment result of the stored-value card is a medium risk, wherein the verification type comprises single verification and combined verification;

when the authentication type when the identity authentication is carried out on the currently used cardholder is determined to be single authentication, acquiring a target authentication mode from the at least two authentication modes according to the preset authentication sequence of the at least two authentication methods.

In one embodiment, the determining, based on the at least two verification methods, a target verification method for authenticating the currently-used cardholder further includes:

When the verification type when the identity verification is carried out on the currently used cardholder is determined to be combined verification, randomly extracting two verification modes from the at least two verification modes to be combined, and obtaining a target verification mode.

In a second aspect, the present application further provides a consumption request processing apparatus, the apparatus including:

the request response module is used for responding to a stored-value card deduction request generated based on a cashing operation triggered by the cashing terminal and acquiring stored-value card information used for consumption;

the information acquisition module is used for determining the attribute of the stored value card and the preset consumption characteristic of the stored value card according to the stored value card information;

the consumption characteristic determining module is used for determining target consumption characteristics corresponding to the stored-value card attribute from the preset consumption characteristics according to the stored-value card attribute;

the feature matching module is used for carrying out feature matching on the current consumption feature of the stored value card and the target consumption feature to obtain a feature matching result;

and the request processing module is used for determining a risk assessment result of the stored-value card based on the feature matching result and processing the deduction request of the stored-value card according to the risk assessment result.

In a third aspect, the present application also provides a computer device comprising a memory storing a computer program and a processor implementing the steps of the above method when the processor executes the computer program.

In a fourth aspect, the present application also provides a computer readable storage medium having stored thereon a computer program which when executed by a processor performs the steps of the above-described method.

In a fifth aspect, the present application also provides a computer program product comprising a computer program which, when executed by a processor, implements the steps of the method described above.

According to the consumption request processing method, the consumption request processing device, the computer equipment, the storage medium and the computer program product, when the cashing terminal triggers cashing operation to generate the stored-value card deduction request, stored-value card information used by consumption is acquired firstly, then stored-value card attributes and preset consumption characteristics corresponding to the currently used stored-value card are determined according to the stored-value card information, the stored-value card attributes corresponding to the stored-value card can be used for judging the stored-value card type of the current stored-value card, and the preset consumption characteristics corresponding to the stored-value card can reflect normal consumption conditions of the stored-value card. Therefore, the target consumption characteristic corresponding to the stored-value card attribute is determined from the preset consumption characteristic based on the stored-value card attribute, the target consumption characteristic can reflect the normal consumption condition of the current attribute of the stored-value card, the current consumption characteristic of the stored-value card is matched with the target consumption characteristic to obtain a characteristic matching result, and then the risk assessment result of the stored-value card is determined based on the characteristic matching result, so that whether the stored-value card has consumption risk can be determined cooperatively from the class dimension of the stored-value card and the normal consumption characteristic dimension of the stored-value card, the risk assessment result is more accurate, and then the stored-value card deduction request is processed according to the accurate risk assessment result, so that the transaction safety of the stored-value card can be effectively improved, and the risk of stolen and swiped of the stored-value card is greatly reduced.

Drawings

FIG. 1 is an application environment diagram of a method of processing a consumption request in one embodiment;

FIG. 2 is a flow diagram of a method of processing a consumption request in one embodiment;

FIG. 3 is a flowchart illustrating steps involved in determining a target consumption feature corresponding to a stored-value card attribute from among preset consumption features according to the stored-value card attribute in one embodiment;

FIG. 4 is a flowchart illustrating steps involved in determining a target consumption characteristic corresponding to a stored-value card attribute from among preset consumption characteristics according to the stored-value card attribute in another embodiment;

FIG. 5 is a flow chart of a step of performing feature matching on a current consumption feature of a stored-value card and a target consumption feature to obtain a feature matching result in one embodiment;

FIG. 6 is a flowchart illustrating steps performed in processing a stored-value payment request based on a risk assessment result in one embodiment;

FIG. 7 is a schematic diagram of a consumer processing system in one embodiment;

FIG. 8 is a block diagram of a consumer request processing device in one embodiment;

fig. 9 is an internal structural diagram of a computer device in one embodiment.

Detailed Description

In order to make the objects, technical solutions and advantages of the present application more apparent, the present application will be further described in detail with reference to the accompanying drawings and examples. It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the present application.

It should be noted that, user information (including but not limited to user equipment information, user personal information, etc.) and data (including but not limited to data for analysis, stored data, presented data, etc.) referred to in the present application are information and data authorized by the user or sufficiently authorized by each party.

The consumption request processing method provided by the embodiment of the application can be applied to an application environment shown in fig. 1. Wherein the consumer processing system 102 communicates with the cashier terminal 104. The data storage system may store data that consumer processing system 102 needs to process. The data storage system may be integrated on the consumer processing system 102 or may be located on a cloud or other network server. The cashier triggers a cashing operation based on the cashing terminal 104, generating a stored-value card deduction request. The consumption processing system 102 responds to the stored-value card deduction request, acquires stored-value card information used by the consumption, determines stored-value card attributes and preset consumption characteristics of the stored-value card according to the stored-value card information, and determines target consumption characteristics corresponding to the stored-value card attributes from the preset consumption characteristics based on the stored-value card attributes; performing feature matching on the current consumption features of the stored-value card and the target consumption features to obtain feature matching results; and determining a risk assessment result of the stored-value card based on the feature matching result, and processing a deduction request of the stored-value card according to the risk assessment result. Wherein the consumption processing system 102 may be integrated on a server, which may be implemented as a stand-alone server or as a server cluster composed of multiple servers. The cashing terminal 102 may be any terminal capable of realizing cashing function

In one embodiment, as shown in fig. 2, a method for processing a consumption request is provided, which is illustrated by applying the method to the consumption processing system 102 in fig. 1, and includes the following steps:

s202, acquiring stored-value card information used for consumption in response to a stored-value card deduction request generated based on a cashing operation triggered by a cashing terminal.

The cashing terminal is a processing terminal for executing cashing business in the current offline consumption scene, and after a user selects the commodity to be purchased on line, the cashing terminal executes cashing operation based on the commodity to be purchased selected by the user. For example, scanning a bar code of the commodity to be purchased, generating consumption order information according to commodity information of the commodity to be purchased, and the like.

The stored value card is a membership stored value card which is provided by off-line merchants for better consumption experience of users and improving customer viscosity and fund operation capability, and can be used for storing value for the users, and the stored value card can be directly deducted for consumption when the subsequent users consume corresponding merchants, so that the user can consume and settle accounts, accumulated points, preferential calculation and the like conveniently. It will be appreciated that the stored value card may be a physical card, such as a physical membership card or the like, or may be a virtual card, such as a virtual card generated by a cell phone number or card number.

The stored-value card deduction request is a deduction application generated after a cashing person triggers cashing operation based on a cashing terminal, and the stored-value card deduction request is generated by the cashing terminal based on stored-value card information of a stored-value card used by a user. After the cashier generates the consumption order information according to the commodity to be purchased of the user, if the user gives out to consume by using the stored value card, the cashier generates a stored value card deduction request according to the stored value card information used by the user. It will be appreciated that the stored-value card payment request may include, in addition to stored-value card information, consumption order information, such as merchandise information of merchandise to be purchased, order amount, order generation time, order generation merchant, etc.

In one embodiment, if the stored-value card used by the user is an entity stored-value card, the cashier can read information of the entity stored-value card of the user based on the cashier terminal, so as to obtain the stored-value card information of the user.

In one embodiment, if the stored-value card used by the user is a virtual stored-value card, the cashier can directly inquire the corresponding stored-value card information of the user, input the stored-value card information to the cashier terminal, click to confirm the deduction, and the cashier terminal can generate a stored-value card deduction request according to the input stored-value card information.

Specifically, in an online consumption scenario, when a user uses a stored-value card to consume, a cashier may perform a cashing operation through a cashing terminal to generate a stored-value card deduction request. The consumption processing system responds to the stored-value card deduction request and obtains the stored-value card information used for consumption from the stored-value card deduction request.

S204, determining the attribute of the stored value card and the preset consumption characteristics of the stored value card according to the stored value card information.

The stored-value card attribute is attribute information for representing the type of the stored-value card, and may include, for example, a shared card holding attribute, a shared merchant attribute, an exclusive card attribute, etc., where the stored-value card attribute may be determined according to a stored-value card function handled by a user, for example, the stored-value card may be used for consumption by multiple cardholders at the same time, and if the stored-value card may be used for consumption by multiple merchants at the same time, the stored-value card attribute is the shared merchant attribute, and if the stored-value card may be used by only a single cardholder at a single merchant, the stored-value card attribute is the exclusive card attribute.

The preset consumption characteristic is a consumption characteristic for judging whether the current stored-value card consumption process has risk or not, and can be preset by a user when handling the stored-value card, for example, the user can preset a usable area of the stored-value card, a merchant, a consumable amount, a purchasable commodity and the like. The consumption processing system can also extract and generate the consumption habit according to the consumption user corresponding to the stored value card, namely the historical consumption record of the cardholder, for example, the habit use area, the habit consumption amount threshold value, the habit commodity category and the like of the cardholder are determined according to the historical consumption record of the cardholder.

Specifically, after the stored-value card information is obtained, the consumption processing system searches the stored-value card attribute corresponding to the stored-value card information and the corresponding preset consumption characteristic according to the stored-value card information.

In one embodiment, the stored-value card information may be unique identification information corresponding to the stored-value card, and the consumption processing system sets identification information consistent with the stored-value card identification in advance for the stored-value card attribute and the preset consumption characteristic corresponding to the stored-value card. After the consumption processing system obtains the stored-value card identifier, searching is carried out in the data storage area according to the stored-value card identifier, and the stored-value card attribute and the preset consumption characteristic with the stored-value card identifier consistent with the identifier are determined to be the stored-value card attribute and the preset consumption characteristic of the stored-value card.

S206, determining target consumption characteristics corresponding to the stored-value card attributes from preset consumption characteristics based on the stored-value card attributes.

The target consumption characteristic is a preset consumption characteristic corresponding to the attribute of the stored value card, and it can be understood that the stored value card attribute is different, and the corresponding target consumption characteristic is also different.

Specifically, after the stored-value card attribute and the preset consumption characteristic are acquired, the consumption processing system screens the consumption characteristic corresponding to the stored-value card attribute from the preset consumption characteristic according to the stored-value card attribute to serve as a target consumption characteristic.

And S208, performing feature matching on the current consumption features of the stored-value card and the target consumption features to obtain feature matching results.

The feature matching is a matching process for judging the similarity of the two features to obtain a similar result.

Specifically, the consumption processing system performs feature matching on the current consumption feature of the stored-value card and the determined target consumption feature to obtain a feature matching result of the current consumption feature and the target consumption feature.

In one embodiment, feature matching can be performed on the current consumption feature and the target consumption feature through a preset feature matching model, so that a corresponding feature matching result is obtained.

In one embodiment, the feature distance between the current consumption feature and the target consumption feature can be calculated through a preset feature matching algorithm, so as to obtain a corresponding feature matching result.

S210, determining a risk assessment result of the stored-value card based on the feature matching result, and processing the deduction request of the stored-value card according to the risk assessment result.

The risk assessment result is an assessment result for determining whether the current stored-value card has a consumption risk. It will be appreciated that the risk assessment may be whether the stored value card is at risk for consumption, or may be a specific stored value card consumption risk level.

Specifically, the consumption processing system determines a risk assessment result of the stored-value card according to the obtained feature matching result. It may be appreciated that the feature matching result may be a specific risk assessment value, and the consumption processing system determines a risk assessment result of the stored-value card according to the risk assessment value and a preset risk assessment threshold parameter after obtaining the risk assessment value. After the risk assessment result of the stored-value card is obtained, the consumption processing system processes the deduction request of the stored-value card according to the risk assessment result of the stored-value card, and a consumption processing result of a user is obtained.

In one embodiment, the consumption processing system compares the feature matching result with a preset risk threshold after obtaining the feature matching result, and determines that the stored-value card has a consumption risk when the feature matching result is greater than the risk threshold.

In one embodiment, after obtaining the feature matching result, the consumption processing system compares the feature matching result with preset risk threshold intervals, determines a target risk threshold interval to which the feature matching result belongs, and determines a risk level corresponding to the target risk threshold interval as a risk level of the stored value card.

In the above-mentioned consumption request processing method, when the cashing terminal triggers cashing operation to generate the deduction request of the stored-value card, the stored-value card information used by consumption is acquired first, then the stored-value card attribute and the preset consumption characteristic corresponding to the currently used stored-value card are determined according to the stored-value card information, the stored-value card attribute corresponding to the stored-value card can be used for judging the stored-value card type of the current stored-value card, and the preset consumption characteristic corresponding to the stored-value card can reflect the normal consumption condition of the stored-value card. Therefore, the target consumption characteristic corresponding to the stored-value card attribute is determined from the preset consumption characteristic based on the stored-value card attribute, the target consumption characteristic can reflect the normal consumption condition of the current attribute of the stored-value card, the current consumption characteristic of the stored-value card is matched with the target consumption characteristic to obtain a characteristic matching result, and then the risk assessment result of the stored-value card is determined based on the characteristic matching result, so that whether the stored-value card has consumption risk can be determined cooperatively from the class dimension of the stored-value card and the normal consumption characteristic dimension of the stored-value card, the risk assessment result is more accurate, and then the stored-value card deduction request is processed according to the accurate risk assessment result, so that the transaction safety of the stored-value card can be effectively improved, and the risk of stolen and swiped of the stored-value card is greatly reduced.

In one embodiment, as shown in FIG. 3, the stored-value card attribute comprises a shared cardholder attribute; the preset consumption features include user preset features, user habit features, and merchant features.

Determining a target consumption feature corresponding to the stored-value card attribute from the preset consumption features according to the stored-value card attribute comprises:

s302, when the stored-value card attribute is the shared card holding attribute, the user identification of the currently used cardholder is obtained.

When the stored value card attribute is the shared card holding attribute, the stored value card is provided with a plurality of cardholders, and the stored value card can be used by the cardholders for consumption.

Specifically, the consumption processing system may obtain the user identification of the currently used cardholder when determining that the currently consumed stored-value card attribute is a shared cardholder attribute.

It can be understood that if the currently used cardholder uses the physical card for consumption, the consumption processing system may generate a cardholder information acquisition request, send the cardholder information acquisition request to the cashier terminal, and when the cashier terminal receives the cardholder information acquisition request, the cashier person may acquire cardholder information from the currently used cardholder, input the cardholder information to the cashier terminal, and feed back the cardholder information to the consumption processing system based on the cashier terminal.

And the consumption processing system determines the user identification of the current cardholder according to the current cardholder information fed back by the cashing terminal. It will be appreciated that the information of the currently used cardholder may be information such as a cell phone number reserved when the cardholder transacts the stored value card.

S304, determining target preset characteristics and target habit characteristics corresponding to the user identification from preset consumption characteristics based on the user identification.

The preset consumption characteristics of the user are consumption characteristics customized by the user when the user handles the stored-value card, such as preset areas where the stored-value card can be used, consumable merchants, consumable amounts, types of purchasable commodities and the like. The user habit characteristics are habit characteristics generated according to historical consumption records when the user uses the stored value card, such as habit use areas, habit consumption commodity types, habit consumption merchants, habit consumption amount thresholds and the like of the user. The merchant feature is a feature of the stored-value card that facilitates merchant correspondence, such as a merchant name, a merchant code, a merchant business time, a merchant location, a merchant business nature, and the like.

Specifically, the preset consumption characteristics include user preset characteristics, user habit characteristics and merchant characteristics, and when user identifiers are different, that is, when the currently used cardholders are different, the user preset characteristics set by the cardholders during card opening are not necessarily the same as the user preset characteristics set by other cardholders, and the historical consumption records of the cardholders when using the stored value card for consumption are also different from the historical consumption records of other cardholders when using the stored value card for consumption, so that the corresponding generated user habit characteristics are also different.

After determining the user identification of the cardholder currently in use, the consumption processing system can search the target preset characteristics and the target habit characteristics corresponding to the user identification from the preset consumption characteristics according to the user identification. The target preset characteristics are consumption characteristics set by a current using cardholder according to the use condition of the cardholder when the cardholder handles the stored value card. The target habit features are habit features generated according to historical consumption records generated when a currently-used cardholder consumes a stored-value card.

S306, determining the target preset feature, the target habit feature and the merchant feature in the preset consumption features as the target consumption feature corresponding to the stored value card attribute.

Specifically, after obtaining the target preset feature and the target habit feature according to the user identification, the consumption processing system determines the target preset feature, the target habit feature and the merchant feature in the original preset consumption feature as the target consumption feature corresponding to the stored value card attribute.

In this embodiment, when the stored-value card attribute is the shared card holding attribute, a data basis is provided for accurately obtaining a risk assessment result of the stored-value card by acquiring a user identifier of a currently used cardholder and screening a target consumption feature corresponding to the currently used cardholder from preset consumption features based on the user identifier.

In one embodiment, as shown in FIG. 4, the stored value card attribute comprises a shared cardholder attribute. The preset consumption features include user preset features, user habit features, and merchant features.

s402, when the stored value card attribute is the shared merchant attribute, acquiring the merchant identification of the currently used merchant.

When the stored value card attribute is a shared merchant attribute, the stored value card can be consumed by a plurality of merchants. For example, in a business gathering place such as a university city or a business district, a plurality of businesses often jointly release a preferential activity, and a joint stored-value card is issued, and can be consumed by each business participating in the preferential activity, and the stored-value card attribute of the stored-value card can be considered as a shared business attribute.

Specifically, the consumption processing system may obtain a merchant identification of the current consumption merchant when determining that the stored value card attribute of the current consumption is a shared merchant attribute. It is understood that the consumer processing system may obtain the merchant identifier of the current consumer merchant according to the consumer order information carried in the stored-value deduction request.

S404, determining target merchant characteristics corresponding to the merchant identifications from preset consumption characteristics according to the merchant identifications.

Specifically, after determining the merchant identifier corresponding to the merchant of the current cardholder for consumption, the consumption processing system may search the target merchant feature corresponding to the merchant identifier from the preset consumption features according to the merchant identifier, where the target merchant feature may be a merchant name, a merchant code, a merchant management time, a merchant location, a merchant management property, and the like of the current consumption merchant.

S406, determining the target merchant characteristics, user preset characteristics and user habit characteristics in the preset consumption characteristics as target consumption characteristics corresponding to the stored value card attributes.

Specifically, after obtaining the target merchant characteristics according to the merchant identification, the consumption processing system determines the target merchant characteristics and the user preset characteristics in the original preset consumption characteristics as target consumption characteristics corresponding to the stored value card attributes.

In this embodiment, when the stored-value card attribute is the shared merchant attribute, a data basis is provided for accurately obtaining a risk assessment result of the stored-value card by acquiring a merchant identifier of a current consumer merchant and screening a target consumer feature corresponding to the merchant identifier from preset consumer features based on the merchant identifier.

In one embodiment, when the stored-value card attribute is a shared cardholder attribute and a shared merchant attribute, the consumption processing system may screen out a target preset feature, a target habit feature, and a target merchant feature from preset consumption features as target consumption features by a user identification and a merchant identification of a current cardholder.

After the target consumption feature is obtained, in one embodiment, as shown in fig. 5, the feature matching between the current consumption feature of the stored-value card and the target consumption feature is further performed, where obtaining the feature matching result includes:

s502, extracting the characteristics of the current consumption order information of the stored-value card to obtain the current consumption characteristics of the stored-value card.

The feature extraction refers to an extraction operation of extracting key feature information from the consumption order information. It can be understood that various information data generated in the consuming process are recorded in the consuming order information, and in order to better perform feature matching, key consuming features that need to be performed feature matching need to be extracted from the consuming order information.

Specifically, the consumption processing system performs feature extraction on the current consumption order information of the stored-value card to obtain a key consumption feature for matching, and the key consumption feature is used as the current consumption feature of the stored-value card.

In one embodiment, the consumption processing system may perform feature extraction on the consumption order information to obtain the current consumption feature of the stored-value card through a preset feature extraction algorithm, such as a keyword extraction algorithm.

S504, performing feature matching on the current consumption features of the stored-value card and the consumption features contained in the target consumption features respectively to obtain feature differences between the consumption features and the current consumption features.

The target consumption characteristics comprise three consumption characteristics of a user preset characteristic, a user habit characteristic and a merchant characteristic which are described before.

Specifically, the consumption processing system performs feature matching on the extracted current consumption feature and each consumption feature in the target consumption features to obtain feature differences between each consumption feature and the current consumption feature.

For example, the current consumption feature includes a current consumption location, a current consumption commodity type, a current consumption amount and a current consumption time, and the current consumption location can be respectively matched with a preset usable area of the user and a custom use area of the user in the target consumption feature. And respectively matching the current consumer commodity type with the consumer commodity type preset by the user in the target consumer characteristic, the habit consumer type in the habit characteristic of the user and the business operation property in the commodity characteristic. And performing feature matching on the current consumption amount, the consumable amount preset by the user in the target consumption feature and the custom consumption amount threshold in the custom feature of the user. And performing feature matching on the current consumption time and the habit consumption time in the habit features of the user and the business operation time of the business features of the business. And when the matching is successful, determining that the feature difference corresponding to the feature matching is 1, and when the matching is failed, determining that the corresponding feature difference is 0.

S506, processing the feature differences between the consumption features and the current consumption features according to the risk assessment weights corresponding to the consumption features to obtain feature matching results.

The consumption characteristics are provided with risk assessment weights corresponding to each other, and the risk assessment weights can be set by a user according to actual use conditions of the user when the user handles the stored value card. For example, if the user feels that the user preset feature is important in risk assessment, the risk assessment weight of the user preset feature may be increased, and the risk assessment weights of the other two consumption features may be correspondingly reduced.

Specifically, after obtaining the feature differences between each consumption feature and the current consumption feature, the consumption processing system performs weighted calculation on the feature differences between each consumption feature and the current consumption feature according to the risk assessment weight corresponding to each consumption feature to obtain a feature matching result.

In the above embodiment, the user can self-define and set the risk assessment weight corresponding to each consumption feature according to the actual use condition of the user, so that the feature matching result obtained by subsequent calculation according to the risk assessment weight can be more consistent with the actual use condition of the user and is more accurate.

In one embodiment, processing the stored-value deduction request based on the risk assessment result includes:

And when the risk assessment result of the stored-value card is high risk, generating high risk prompt information and ending the processing flow of the stored-value card deduction request. And sending the high-risk prompt information to a cashier terminal for display, and prompting that the stored-value card has high risk and cannot be consumed.

When the risk assessment result of the stored-value card is high risk, the risk of the stored-value card being stolen and swiped at this time is considered to be extremely high, and the transaction needs to be terminated.

In one embodiment, after obtaining the feature matching result, the consumption processing system determines a target risk level interval to which the feature matching result belongs, and determines that the risk assessment result of the stored-value card is high risk when the target risk level interval is a high risk level interval.

Specifically, when the consumption processing system determines that the risk assessment result of the stored-value card is high risk, the consumption processing system generates high risk prompt information, and simultaneously ends the processing flow of the stored-value card deduction request and terminates the transaction. And sending the high-risk prompt information to a cashing terminal to remind cashing personnel that the current stored-value card has high risk and cannot consume. By terminating the transaction in time when the risk assessment result of the stored-value card is high risk, the rights and interests of the user can be guaranteed not to be damaged, the transaction safety of the stored-value card is effectively improved, and the risk of the stored-value card being stolen and swiped is greatly reduced.

In another embodiment, as shown in FIG. 6, processing the stored-value deduction request based on the risk assessment result includes:

s602, when the risk assessment result of the stored-value card is a medium risk, acquiring at least two verification modes preset by the stored-value card.

When the risk assessment result of the stored-value card is a risk, the stored-value card can be considered to have a certain risk of robbing and swiping, the identity of the currently used cardholder needs to be verified, and whether to continue the transaction is determined according to the identity verification result.

In one embodiment, after obtaining the feature matching result, the consumption processing system determines a target risk level interval to which the feature matching result belongs, and determines that the risk assessment result of the stored-value card is a risk in the event that the target risk level interval is a risk level interval.

Specifically, when the consumption processing system determines that the risk assessment result of the stored-value card is medium risk, at least two verification modes preset by a cardholder when the stored-value card is transacted are obtained. When the stored-value card is transacted, the cardholder can set a plurality of verification modes according to own preference and verification convenience degree and the use sequence of the verification modes. For example, a plurality of modes such as password verification, short message verification code verification, fingerprint verification, facial recognition verification and the like can be set, and the verification modes are arranged according to the corresponding verification sequence.

In one embodiment, when the stored-value card attribute is a shared cardholder attribute, the consumption processing system obtains at least two verification methods preset by the currently-used cardholder according to the user identification of the currently-used cardholder.

S604, determining a target verification mode for carrying out identity verification on the currently used cardholder based on at least two verification modes.

Specifically, the consumption processing system determines a target authentication mode used when authenticating a currently used cardholder based on at least two authentication methods.

S606, when the identity verification of the currently used cardholder is passed according to the target verification mode, the stored-value card is deducted based on the stored-value card consumption request.

Specifically, the consumption processing system performs authentication on the currently used cardholder according to the target authentication mode, and when the authentication passes, the stored-value card is free of risk, and the stored-value card deduction service can be continuously executed. The consumption processing system performs deduction processing on the stored-value card based on the stored-value card consumption request.

In the embodiment, the cardholder can set a plurality of verification modes according to own requirements, so that the requirements of personalized verification of the cardholder are met.

Further, in one embodiment, determining a target authentication method for authenticating a currently-used cardholder based on at least two authentication methods includes:

and determining the verification type when the identity of the currently used cardholder is verified according to the feature matching result when the risk assessment result of the stored-value card is the medium risk, wherein the verification type comprises single verification and combined verification. When the authentication type when the identity authentication is carried out on the currently used cardholder is determined to be single authentication, acquiring a target authentication mode from at least two authentication modes according to the preset authentication sequence of the at least two authentication methods.

The identity verification type of the currently used cardholder can be determined according to a preset feature matching value. And when the risk assessment result of the stored-value card is a risk, determining whether the risk of the stored-value card for robber swiping is larger or not. It will be appreciated that when the feature match of the stored-value card is greater than the predetermined feature match, the stored-value card may be considered to be at a greater risk of swipe despite the absence of a high risk, and the type of identity verification currently in use with the cardholder may be determined to be combination verification. When the feature matching result of the stored-value card is smaller than the preset feature matching value, the stored-value card is considered to have a certain risk, but the theft risk is not high, and the type of identity verification of the currently used cardholder can be determined to be single verification.

Specifically, when the risk assessment result of the stored-value card is determined to be risk, the consumption processing system compares the characteristic matching result of the stored-value card with a preset characteristic matching value, and when the characteristic matching result of the stored-value card is smaller than the preset characteristic matching value, the verification type when the identity verification is performed by the cardholder currently is determined to be a single verification type. And the consumption processing system acquires a target verification mode from at least two verification modes according to a preset verification sequence of each verification mode by a cardholder when the stored value card is processed. It will be appreciated that the consumer processing system may determine the first order verification style as the target verification style.

In the embodiment, the authentication type during the authentication is determined through the feature matching result of the stored-value card, the authentication can be performed on the current cardholder in a single authentication mode when the risk is small, the authentication step can be effectively reduced, and the user is prevented from reducing the use experience due to long authentication duration or complicated authentication process.

In another embodiment, determining the target authentication means for authenticating the cardholder in current use based on at least two authentication means further comprises: when the authentication type when the identity authentication of the currently used cardholder is determined to be combined authentication, randomly extracting two authentication modes from at least two authentication modes to be combined, and obtaining a target authentication mode.

Specifically, when the feature matching result of the stored-value card is greater than or equal to a preset feature matching value, it is determined that the authentication type when the cardholder is currently used for authentication is a combination authentication type. In order to improve verification security, the consumption processing system randomly extracts two verification modes from at least two verification modes to be combined to obtain a target verification mode, for example, the target verification mode can be a short message+a password or a password+a fingerprint.

In one embodiment, a method of processing a consumer request is provided, which is applied to the consumer processing system shown in fig. 7 for illustration. Wherein the consumption processing system comprises:

the commodity ordering module can generate the consumption order information, such as order amount, store information, commodity information and the like, during the transaction.

A cardholder personalization setting module that records personal information of the cardholder and personalized transaction settings for analyzing personal transaction preferences of the cardholder, which may include personalized settings for transaction habits for assessment of risk levels, e.g., user settings of stored value card available stores, available areas, etc. The method can also comprise personalized setting of verification modes, and is used for authentication in medium risk, such as password verification, short message verification, face brushing verification, fingerprint verification and other verification modes.

And the member stored-value card transaction evaluation module is used for carrying out transaction security risk evaluation on the current transaction by combining personalized transaction setting and historical transaction information of the user after receiving the stored-value card deduction request and the order information.

And the historical transaction information module is used for storing historical transaction order information of the cardholder and analyzing transaction habits of the cardholder by the transaction evaluation module to evaluate the current transaction risk.

The consumption request processing method specifically comprises the following steps:

first, when the cardholder consumes, the merchant ordering module submits transaction order information to the member stored value card transaction evaluation module, wherein the transaction order information specifically comprises order amount, merchant information, transaction location, member information (mobile phone number or stored value card number and the like), and the like.

After the member stored value card transaction evaluation module obtains the order information, a cardholder personalized setting module is called according to the member information to obtain the basic information of the cardholder and the personalized setting information of the cardholder. After the cardholder information is obtained, a historical transaction information module is called according to the cardholder information to obtain historical transaction information, wherein the historical transaction information comprises user transaction habit characteristics generated according to a historical transaction record.

The member stored-value card evaluation module carries out risk evaluation on the current transaction process of the stored-value card according to the information of the current transaction, the historical transaction information and the personalized setting information in the personalized setting, the risk evaluation result is divided into high risk, medium risk and low risk, different risk grades adopt different verification modes, and the detection information related to the process is shown in the following table:

the specific risk assessment method is as follows:

and the member stored value card transaction evaluation module compares the consumption characteristics in the consumption order information with the consumption characteristics set by the user in a personalized way and the consumption characteristics in the historical consumption record information respectively, monitors the characteristic differences, and gives out risk evaluation grades according to the size of the characteristic differences.

When the risk assessment grade of the member stored-value card is determined to be high risk, the probability of recognizing the transaction as a robber-swiping transaction is extremely high, the transaction of the order is directly refused, and the risk of robber-swiping is notified to the cardholder by a short message. For example, the historical consumption transaction of the stored value card of the cardholder occurs in a certain fixed chain supermarket and is small-amount consumption, and if a certain transaction occurs in a foreign chain supermarket and is large-amount transaction, the probability of recognizing that the transaction is stolen is extremely high and the transaction of the order is directly refused when the purchased goods are also greatly different from the historically purchased goods.

When the risk assessment grade of the member stored-value card is determined to be medium risk, the transaction is determined to have certain theft risk, and the user is forced to verify in 1 or 2 or more combination modes by combining with the user personalized verification mode setting. And acquiring verification information of the user, determining whether the verification is passed or not according to the verification information, transmitting a verification result to a merchant ordering module, processing the order by the merchant ordering module, pushing the consumption order information and transaction verification information to a historical transaction information module for storage, and using by a subsequent member stored-value card transaction evaluation module. If not, the transaction is ended. And likewise, displaying the verification result to the user. For example, a cardholder's stored value card historical consumption transaction all occurs at a fixed chain store and is a small amount of consumption, if a large amount of consumption benefit occurs, the transaction is considered to be a robbery swipe with a certain probability, and the customer is forced to conduct identity authentication. The merchant will provide 1 or 2 or more different authentication modes, such as password authentication and short message authentication, for the client according to the wind evaluation score in combination with the personalized authentication setting of the client.

When the risk assessment grade of the member stored-value card is determined to be low risk, the transaction is determined to be free of a theft and brushing risk, verification is not needed, the merchant ordering module is directly called to complete the order, and after the completion, the consumption order information and the transaction verification information can be pushed to the historical transaction information module to be stored for use by the subsequent member stored-value card transaction assessment module. For example, a cardholder's stored value card historical consumption transaction all occurs at a fixed chain store and is a small amount of consumption, and if a transaction is still at the store and is a small amount of consumption, the transaction is deemed to be at risk of theft. The cardholder is not required to conduct authentication and the transaction is directly passed.

According to the consumption request processing method, the historical transaction information of the client and the personalized transaction setting of the client are combined, risk assessment is conducted on the current transaction, and verification modes of different grades are provided for the client according to assessment results of different grades. The transaction of the member stored-value card is greatly standardized, and the security level of the transaction is improved. Meanwhile, a member stored value card transaction diversity verification method combined with personalized setting of the customer is provided, and a proper verification mode is provided for the customer by combining with the personalized setting of the customer under the premise of ensuring the safety. Compared with the existing single verification mode, the transaction security is improved, the personalized requirements of clients are met, and the client experience is improved.

It should be understood that, although the steps in the flowcharts related to the embodiments described above are sequentially shown as indicated by arrows, these steps are not necessarily sequentially performed in the order indicated by the arrows. The steps are not strictly limited to the order of execution unless explicitly recited herein, and the steps may be executed in other orders. Moreover, at least some of the steps in the flowcharts described in the above embodiments may include a plurality of steps or a plurality of stages, which are not necessarily performed at the same time, but may be performed at different times, and the order of the steps or stages is not necessarily performed sequentially, but may be performed alternately or alternately with at least some of the other steps or stages.

Based on the same inventive concept, the embodiment of the application also provides a consumption request processing device for implementing the consumption request processing method. The implementation of the solution provided by the device is similar to the implementation described in the above method, so the specific limitation in one or more embodiments of the consumption request processing device provided below may refer to the limitation of the consumption request processing method hereinabove, and will not be described herein.

In one embodiment, as shown in FIG. 8, there is provided a consumer request processing apparatus 800 comprising: a request response module 801, an information acquisition module 802, a result determination module 803, and a request processing module 804, wherein:

the request response module 801 is configured to obtain stored-value card information used for consumption in response to a stored-value card deduction request generated based on a cashing operation triggered by a cashing terminal.

An information acquisition module 802 for determining stored-value card attributes and preset consumption characteristics of the stored-value card based on the stored-value card information.

The result determining module 803 is configured to perform risk assessment on a current consumption process of the stored-value card based on the stored-value card attribute and a preset consumption characteristic of the stored-value card, so as to obtain a risk assessment result of the stored-value card.

The request processing module 804 is configured to process the stored-value deduction request according to the risk assessment result.

According to the consumption request processing device, when the cashing terminal triggers cashing operation to generate the stored-value card deduction request, stored-value card information used by consumption is acquired first, then stored-value card attributes and preset consumption characteristics corresponding to the currently used stored-value card are determined according to the stored-value card information, the stored-value card attributes corresponding to the stored-value card can be used for judging the stored-value card type of the current stored-value card, and the preset consumption characteristics corresponding to the stored-value card can reflect the normal consumption condition of the stored-value card. Therefore, based on the attribute of the stored value card and the preset consumption characteristic of the stored value card, the risk assessment is carried out on the current consumption process of the stored value card, whether the stored value card has consumption risk or not can be determined cooperatively from the dimension of the category of the stored value card and the dimension of the normal consumption characteristic of the stored value card, an accurate stored value card risk assessment result is obtained, and then the stored value card deduction request is processed according to the accurate risk assessment result, so that the transaction safety of the stored value card can be effectively improved, and the risk of the stored value card being stolen and swiped is greatly reduced.

In one embodiment, the result determination module further comprises:

the consumption characteristic determining unit is used for determining target consumption characteristics corresponding to the stored-value card attribute from preset consumption characteristics according to the stored-value card attribute;

the feature matching unit is used for performing feature matching on the current consumption feature of the stored value card and the target consumption feature to obtain a feature matching result;

and the result determining unit is used for determining a risk assessment result of the stored-value card based on the feature matching result.

In one embodiment, the stored-value card attribute comprises a shared cardholder attribute; the preset consumption characteristics comprise user preset characteristics, user habit characteristics and merchant characteristics; the consumption characteristic determination unit is further configured to: when the stored-value card attribute is the shared card holding attribute, acquiring a user identifier of a currently used cardholder; determining target preset characteristics and target habit characteristics corresponding to the user identification from preset consumption characteristics based on the user identification; and determining the target preset characteristics, the target habit characteristics and the merchant characteristics in the preset consumption characteristics as target consumption characteristics corresponding to the stored value card attributes.

In one embodiment, the stored-value card attribute comprises a shared merchant attribute; the preset consumption characteristics comprise user preset characteristics, user habit characteristics and merchant characteristics; the consumption characteristic determination unit is further configured to: when the stored-value card attribute is the shared card holding attribute, acquiring a merchant identifier of the currently used merchant; determining target merchant characteristics corresponding to the merchant identifications from preset consumption characteristics according to the merchant identifications; and determining the target merchant characteristics, user preset characteristics and user habit characteristics in the preset consumption characteristics as target consumption characteristics corresponding to the stored value card attributes.

In an embodiment, the feature matching unit is further configured to: extracting the characteristics of the current consumption order information of the stored-value card to obtain the current consumption characteristics of the stored-value card; respectively carrying out feature matching on the current consumption features of the stored-value card and each consumption feature contained in the target consumption features to obtain feature differences between each consumption feature and the current consumption feature; and processing the feature differences between each consumption feature and the current consumption feature according to the risk assessment weights corresponding to each consumption feature to obtain a feature matching result.

In one embodiment, the request processing module further comprises:

the ending processing module is used for generating high-risk prompt information and ending the processing flow of the stored-value card deduction request when the risk assessment result of the stored-value card is high risk;

and the prompt module is used for sending the high-risk prompt information to the cashing terminal for display, and prompting that the stored-value card has high risk and cannot be consumed.

In one embodiment, the request processing module further comprises:

the verification mode acquisition unit is used for acquiring at least two preset verification modes of the currently used cardholder according to the user identification of the currently used cardholder when the risk assessment result of the stored-value card is a risk;

The verification mode determining unit is used for determining a target verification mode for carrying out identity verification on a currently used cardholder based on at least two verification modes;

and the deduction processing module is used for performing deduction processing on the stored-value card based on the stored-value card consumption request when the identity of the currently used cardholder passes through the identity verification according to the target verification mode.

In an embodiment, the verification manner determining unit is further configured to: determining the verification type when the identity of the cardholder is verified currently according to the feature matching result when the risk assessment result of the stored-value card is the medium risk, wherein the verification type comprises single verification and combined verification; when the authentication type is single authentication when the identity authentication of the currently used cardholder is determined, acquiring a target authentication mode from at least two authentication modes according to the preset authentication sequence of the currently used cardholder.

In an embodiment, the verification manner determining unit is further configured to: when the authentication type when the identity authentication of the currently used cardholder is determined to be combined authentication, randomly extracting two authentication modes from at least two authentication modes to be combined, and obtaining a target authentication mode.

The various modules in the above-described consumer request processing apparatus may be implemented in whole or in part by software, hardware, and combinations thereof. The above modules may be embedded in hardware or may be independent of a processor in the computer device, or may be stored in software in a memory in the computer device, so that the processor may call and execute operations corresponding to the above modules.

In one embodiment, a computer device is provided, which may be a server integrated with a consumer processing system, the internal structure of which may be as shown in FIG. 9. The computer device includes a processor, a memory, and a network interface connected by a system bus. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, computer programs, and a database. The internal memory provides an environment for the operation of the operating system and computer programs in the non-volatile storage media. The database of the computer device is used for storing a stored-value card deduction request, stored-value card information, stored-value card attributes, preset consumption characteristics of the stored-value card and risk assessment result data. The network interface of the computer device is used for communicating with an external terminal through a network connection. The computer program is executed by a processor to implement a method of processing a consumer request.

It will be appreciated by those skilled in the art that the structure shown in fig. 9 is merely a block diagram of a portion of the structure associated with the present application and is not limiting of the computer device to which the present application applies, and that a particular computer device may include more or fewer components than shown, or may combine some of the components, or have a different arrangement of components.

In one embodiment, a computer device is provided, including a memory and a processor, the memory storing a computer program, the processor implementing specific implementation steps of the above-described consumption request processing method when executing the computer program.

In one embodiment, a computer readable storage medium is provided, on which a computer program is stored, which when executed by a processor implements the steps of the above-described consumer request processing method.

In one embodiment, a computer program product is provided comprising a computer program which, when executed by a processor, implements the steps of the above-described consumer request processing method.

Those skilled in the art will appreciate that implementing all or part of the above described methods may be accomplished by way of a computer program stored on a non-transitory computer readable storage medium, which when executed, may comprise the steps of the embodiments of the methods described above. Any reference to memory, database, or other medium used in the various embodiments provided herein may include at least one of non-volatile and volatile memory. The nonvolatile Memory may include Read-Only Memory (ROM), magnetic tape, floppy disk, flash Memory, optical Memory, high density embedded nonvolatile Memory, resistive random access Memory (ReRAM), magnetic random access Memory (Magnetoresistive Random Access Memory, MRAM), ferroelectric Memory (Ferroelectric Random Access Memory, FRAM), phase change Memory (Phase Change Memory, PCM), graphene Memory, and the like. Volatile memory can include random access memory (Random Access Memory, RAM) or external cache memory, and the like. By way of illustration, and not limitation, RAM can be in the form of a variety of forms, such as static random access memory (Static Random Access Memory, SRAM) or dynamic random access memory (Dynamic Random Access Memory, DRAM), and the like. The databases referred to in the various embodiments provided herein may include at least one of relational databases and non-relational databases. The non-relational database may include, but is not limited to, a blockchain-based distributed database, and the like. The processors referred to in the embodiments provided herein may be general purpose processors, central processing units, graphics processors, digital signal processors, programmable logic units, quantum computing-based data processing logic units, etc., without being limited thereto.

The technical features of the above embodiments may be arbitrarily combined, and all possible combinations of the technical features in the above embodiments are not described for brevity of description, however, as long as there is no contradiction between the combinations of the technical features, they should be considered as the scope of the description.

The above examples only represent a few embodiments of the present application, which are described in more detail and are not to be construed as limiting the scope of the present application. It should be noted that it would be apparent to those skilled in the art that various modifications and improvements could be made without departing from the spirit of the present application, which would be within the scope of the present application. Accordingly, the scope of protection of the present application shall be subject to the appended claims.

Claims

1. A method of processing a consumer request, the method comprising:

2. The method of claim 1, wherein the stored value card attribute comprises a shared cardholder attribute; the preset consumption characteristics comprise user preset characteristics, user habit characteristics and merchant characteristics;

3. The method of claim 1, wherein the stored value card attribute comprises a shared merchant attribute; the preset consumption characteristics comprise user preset characteristics, user habit characteristics and merchant characteristics;

4. The method of any of claims 1-3, wherein feature matching the current consumption feature of the stored-value card with the target consumption feature comprises:

5. The method of claim 1, wherein the processing the stored-value deduction request based on the risk assessment result comprises:

6. The method of claim 1, wherein the processing the stored-value deduction request based on the risk assessment result comprises:

7. The method of claim 6, wherein the determining a target authentication means for authenticating the currently-used cardholder based on the at least two authentication means comprises:

8. The method of claim 7, wherein the determining a target authentication means for authenticating the currently-used cardholder based on the at least two authentication means further comprises:

9. A consumer request processing apparatus, the apparatus comprising:

10. The apparatus of claim 9, wherein the stored value card attribute comprises a shared cardholder attribute; the preset consumption characteristics comprise user preset characteristics, user habit characteristics and merchant characteristics;

the consumption characteristic determination unit is further configured to: when the stored value card attribute is a shared card holding attribute, acquiring a user identifier of a currently used cardholder; determining target preset characteristics and target habit characteristics corresponding to the user identification from the preset consumption characteristics based on the user identification; and determining the target preset characteristics, the target habit characteristics and the merchant characteristics in the preset consumption characteristics as target consumption characteristics corresponding to the stored value card attributes.

11. The apparatus of claim 9, wherein the stored-value card attribute comprises a shared merchant attribute; the preset consumption characteristics comprise user preset characteristics, user habit characteristics and merchant characteristics;

the consumption characteristic determination unit is further configured to: when the stored value card attribute is a shared card holding attribute, acquiring a merchant identifier of a currently used merchant; determining target merchant characteristics corresponding to the merchant identifications from the preset consumption characteristics according to the merchant identifications; and determining the target merchant characteristics, the user preset characteristics and the user habit characteristics in the preset consumption characteristics as target consumption characteristics corresponding to the stored value card attributes.

12. The apparatus according to any of claims 9-11, wherein the feature matching unit is further configured to:

extracting the characteristics of the current consumption order information of the stored-value card to obtain the current consumption characteristics of the stored-value card; performing feature matching on the current consumption features of the stored-value card and the consumption features contained in the target consumption features respectively to obtain feature differences between the consumption features and the current consumption features; and processing the feature differences between the consumption features and the current consumption features according to the risk assessment weights corresponding to the consumption features to obtain feature matching results.

13. The apparatus of claim 9, wherein the request processing module further comprises:

and the prompt module is used for sending the high-risk prompt information to the cashing terminal for display and prompting that the stored-value card has high risk and cannot be consumed.

14. The apparatus of claim 9, wherein the request processing module further comprises:

the verification mode acquisition unit is used for acquiring at least two preset verification modes of the current cardholder according to the user identification of the current cardholder when the risk assessment result of the stored-value card is a risk;

the verification mode determining unit is used for determining a target verification mode for carrying out identity verification on the currently used cardholder based on the at least two verification modes;

15. The apparatus according to claim 9, wherein the authentication means determining unit is further configured to: determining a verification type when the identity of the currently used cardholder is verified according to the feature matching result when the risk assessment result of the stored-value card is a medium risk, wherein the verification type comprises single verification and combined verification; when the authentication type when the identity authentication is carried out on the current using cardholder is determined to be single authentication, acquiring a target authentication mode from the at least two authentication modes according to the preset authentication sequence of the current using cardholder.

16. The apparatus of claim 15, wherein the authentication means determining unit is further configured to: when the verification type when the identity verification is carried out on the currently used cardholder is determined to be combined verification, randomly extracting two verification modes from the at least two verification modes to be combined, and obtaining a target verification mode.

17. A computer device comprising a memory and a processor, the memory storing a computer program, characterized in that the processor implements the steps of the method of any one of claims 1 to 8 when the computer program is executed.

18. A computer readable storage medium, on which a computer program is stored, characterized in that the computer program, when being executed by a processor, implements the steps of the method of any of claims 1 to 8.

19. A computer program product comprising a computer program, characterized in that the computer program, when executed by a processor, implements the steps of the method of any one of claims 1 to 8.