WO2015188780A1

WO2015188780A1 - Method and apparatus for processing account information

Info

Publication number: WO2015188780A1
Application number: PCT/CN2015/081342
Authority: WO
Inventors: Zhigang Song
Original assignee: Tencent Technology (Shenzhen) Company Limited
Priority date: 2014-06-13
Filing date: 2015-06-12
Publication date: 2015-12-17
Also published as: CN105279650A

Abstract

A method and an apparatus for processing account information are provided, including: receiving an account information processing request sent by a client, where the account information processing request is at least used for performing an operation on account information that corresponds to a service to be processed; responding to the account information processing request and determining whether the operation is in a verification-free status; performing, if it is determined that the operation is in the verification-free status, the operation on the account information that corresponds to the service to be processed; performing a verification on the account information if it is determined that the operation is not in the verification-free status; and performing, if the verification is passed, the operation on the account information that corresponds to the service to be processed.

Description

METHOD AND APPARATUS FOR PROCESSING ACCOUNT INFORMATION

FIELD OF THE TECHNOLOGY

The present disclosure relates to the field of computers, and in particular, to a method and an apparatus for processing account information.

BACKGROUND OF THE DISCLOSURE

Currently, electronic commerce has been applied in life much widely. However, in the process of an existing commercial transaction, payment for an order needs to be successfully completed by using a plurality of verification means. For example, when a user purchases a commodity from the Internet, and gives payment for a generated order of the commodity, it needs to first input the user’s account information, then send an SMS verification code to a registered terminal of the user for authentication, and possibly input a payment password finally. The complex verification means leads to reduced processing efficiency of the payment process, and during execution of a verification process, re-verification is needed when the verification fails, that is, each addition of a verification means may cause a success rate of payment to be reduced.

SUMMARY

Embodiments of the present invention provide a method and an apparatus for processing account information, which can solve a problem of low processing efficiency caused by verification needed prior to processing account information.

According to an aspect of the present disclosure, a method for processing account information is provided, including: receiving an account information processing request sent by a client, the account information processing request being at least used for performing an operation on account information that corresponds to a service to be processed； responding to the account information processing request and determining whether the operation is in a verification-free status； performing, if it is determined that the operation is in the verification-free status, the operation on the account information that corresponds to the service to be processed； performing verification on the account information if it is determined that the operation is not in the verification-free status； and performing, if the verification is passed, the operation on the account information that corresponds to the service to be processed.

According to another aspect of the present disclosure, an apparatus for processing account information is further provided, including: a receiving unit, configured to receive an account information processing request sent by a client, the account information processing request being at least used for performing an operation on account information that corresponds to a service to be processed； a determining unit, configured to respond to the account information processing request and determine whether the operation is in a verification-free status； and a processing unit, configured to perform, if it is determined that the operation is in the verification-free status, the operation on the account information that corresponds to the service to be processed； and perform verification on the account information if it is determined that the operation is not in the verification-free status, and perform, if the verification is passed, the operation on the account information that corresponds to the service to be processed.

In the embodiments of the present invention, whether an operation that corresponds to a service to be processed is in a verification-free status is determined according to information in an account information processing request, and an operation on the account information is directly performed in the verification-free status without a verification operation, thereby achieving a technical effect of improving efficiency of account information processing, and consequently solving a technical problem of the existing technology that a demand for verifying prior to account information processing leads to low processing efficiency.

BRIEF DESCRIPTION OF THE DRAWINGS

Accompanying drawings described herein are used for providing a further understanding of the present disclosure, and constitute a part of the present application. The illustrative embodiments of the present invention and descriptions thereof are used for explanatory purposes, but do not constitute an improper limitation to the present disclosure. In the accompanying drawings:

FIG. 1 is a flowchart of an alternative method for processing account information according to an embodiment of the present invention；

FIG. 2 is a flowchart of another alternative method for processing account information according to an embodiment of the present invention；

FIG. 3 is a schematic diagram of an alternative apparatus for processing account information according to an embodiment of the present invention； and

FIG. 4 is a schematic diagram of another alternative apparatus for processing account information according to an embodiment of the present invention.

DESCRIPTION OF EMBODIMENTS

To make a person skilled in the art better understand solutions of the present disclosure, the following clearly and completely describes the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Apparently, the described embodiments are only some of the embodiments of the present invention rather than all of the embodiments. All other embodiments obtained by a person of ordinary skill in the art based on the embodiments of the present invention without creative efforts shall fall within the protection scope of the present disclosure.

It should be noted that, terms such as “first” and “second” in the specification, claims and the aforementioned accompanying drawings are used for distinguishing similar objects, rather than describing a specific order or sequence. It should be understood that data used in such a manner can be interchanged when appropriate, so that the embodiments of the present invention described herein can be implemented in a sequence other than those shown in the drawings or described herein. In addition, terms “include" , “have” and any variant thereof, are intended to cover a nonexclusive inclusion. For example, a process, method, system, product or device including a series of steps or units is not necessarily limited to those steps or units that are clearly listed, but may include another step or unit that is not clearly listed or inherent for the process, method, product or device.

According to an embodiment of the present invention, a method for processing account information is provided. As shown in FIG. 1, the method includes:

S102: Receive an account information processing request sent by a client, the account information processing request being at least used for performing an operation on account information that corresponds to a service to be processed.

S104: Respond to the account information processing request and determine whether the operation is in a verification-free status.

S106: Perform, if it is determined that the operation is in the verification-free status, the operation on the account information that corresponds to the service to be processed.

S108: Perform verification on the account information if it is determined that the operation is not in the verification-free status； and perform, if the verification is passed, the operation on the account information that corresponds to the service to be processed.

Alternatively, in this embodiment, the method for processing account information may but is not limited to be applied in a process of electronic payment or online information exchange. For example, as shown in FIG. 2, for a method for processing account information between a client 202 and a server 204, refer to step S202 to step S212. Alternatively, in this embodiment, the service to be processed may include but is not limited to an order service, and the operation that corresponds to the service to be processed may include but is not limited to order payment. For example, when an account S on a client 202 generates an order service T_1, the account S on the client 202 sends to a server 204 a request corresponding to an operation of order payment for the order service T_1, then the server 204 determines whether the operation of order payment is in a verification-free status, and directly performs, if it is determined that the operation is in the verification-free status, the operation of order payment for the order service T_1 requested by the account S on the client 202. For example, a deduction operation is performed on the account S. The above example is merely used for explanatory purposes, which is not restricted in this embodiment.

Alternatively, in this embodiment, the account information processing request may include but is not limited to service request information, where the service request information may include but is not limited to: information used for indicating service content, information of a first account used for initiating a service request, information of a second account used for receiving a service request, information used for indicating a service scenario, and information of a terminal used for sending a service request. For example, when an account S on a client 202 generates an order service T_1, as shown in Table 1, service request information of the order service T_1 may include but is not limited to: information of a commodity ordered in the order service, information of a user in the order service, information of a merchant corresponding to the ordered commodity, information of a payment scenario for the ordered commodity, and information of a payment device used for sending the order service request.

Table 1

Table 1 (continued)

Alternatively, in this embodiment, a method for verifying account information may include but is not limited to at least one of the following: checking an account number (for example, a bank card number, an identification card number, and the like) , checking a verification code received by a short message service message, and checking a payment password. Alternatively, in this embodiment, the verification-free status may be but is not limited to not executing any one of the above verification methods. For example, when it is determined that an operation of order payment performed for an order service T_1 requested by a client 202 is in a verification-free status, the payment can be performed directly. In such a manner, a corresponding operation can be directly performed for a service to be processed under safe conditions, without unnecessary operational steps of verification.

Alternatively, in this embodiment, when the operation is not in the verification-free status, a method for verifying the account information may include but is not limited to: determining which type of verification is executed according to the number of pre-determined verification-free conditions that are met by service request information. For example, when it is determined that an operation of order payment performed for an order service T_1 requested by an account S on a client 202 is not in the verification-free status, and only a part of service request information (for example, the number of pre-determined verification-free conditions that are met is less than a pre-determined threshold) meets a pre-determined verification-free condition, verification is performed on the account information. For example, the client 202 is required to input a verification code received by a short message service message and a payment password for checking. If the verification is passed, the operation of order payment is performed for the order service T_1 requested by the account S on the client 202. For example, a deduction operation is performed on the account S.

According to this embodiment of the present invention, after receiving an account information processing request sent by a client for performing an operation that corresponds to a service to be processed, it is determined whether the operation is in a verification-free status, so as to directly perform the operation on account information in a verification-free status without a verification operation, thereby achieving a technical effect of improving efficiency of account information processing.

As an alternative solution, step S104, the responding to the account information request and determining whether the operation is in a verification-free status includes:

S1: determining whether service request information carried in the account information processing request meets a pre-determined verification-free condition, where the service request information includes at least one of the following: information used for indicating service content, information of a first account used for initiating a service request, information of a second account used for receiving a service request, information used for indicating a service scenario, and information of a terminal used for sending a service request； and

S2: determining, if it is determined that the service request information meets the pre-determined verification-free condition, that the operation is in the verification-free status； or determining, if it is determined that the service request information fails to meet the pre-determined verification-free condition, that the operation is not in the verification-free status.

The details are described with reference to the following example. Referring to step S202 to step S204 as shown in FIG. 2, supposing a user Zhang San on a client 202 purchased from a merchant A an air ticket from Beijing to Hainan, an order service T_1 was generated in an account S on the client 202, and an account information processing request concerning the account S of the user Zhang San was sent to a server 204, where the account information processing request carries service request information. For example, as shown in Table 1, the service request information is that the user Zhang San purchased on May 20^th, 2014 from a merchant A an air ticket from Beijing to Hainan, and a payment device used was a mobile phone terminal commonly used by the user Zhang San, then it is determined whether the service request information carried in the account information processing request meets a pre-determined verification-free condition. For example, it is determined whether credit rating of a user and/or merchant meets a pre-determined rating, and/or whether a payment scenario of an ordered commodity is safe, and/or whether a payment device is a device that is used more times than a pre-determined threshold, and the like.

Further, if it is determined that the service request information meets the pre-determined verification-free condition, the operation is determined to be in the verification-free status, and step S206 as shown in FIG. 2 can be performed； and if it is determined that the service request information fails to meet the pre-determined verification-free condition, the operation is determined to be not in the verification-free status, and step S208 as shown in FIG. 2 can be performed.

According to this embodiment of the present invention, it is determined whether service request information carried in an account information processing request meets a pre-determined verification-free condition, so as to determine whether the operation on account information that corresponds to the service to be processed is in a verification-free status, thereby reducing verification operations on the client as far as possible under certain safe conditions, and improving efficiency and a success rate of account information processing.

As an alternative solution, the determining whether service request information carried in the account information processing request meets a pre-determined verification-free condition includes at least one of the following:

1) determining, if each piece of information in the service request information meets a corresponding pre-determined verification-free condition, that the service request information meets the pre-determined verification-free condition, where each piece of the information corresponds to one or more pre-determined verification-free conditions； and

2) determining, if information used for indicating service content and/or information of a terminal used for sending a service request in the service request information meet a corresponding pre-determined verification-free condition, that the service request information meets the pre-determined verification-free condition.

The details are described with reference to the following example. Referring to step S202 to step S206 as shown in FIG. 2, supposing a user Zhang San on a client 202 purchased from a merchant A an air ticket from Beijing to Hainan, an order service T_1 was generated in an account S on the client 202, and an account information processing request concerning the account S of the user Zhang San was sent to a server 204, where the account information processing request carries service request information. For example, as shown in Table 1, the service request information is that the user Zhang San purchased on May 20^th, 2014 from a merchant A an air ticket from Beijing to Hainan, and a payment device used was a mobile phone terminal commonly used by the user Zhang San. Further, the determining whether service request information carried in the account information processing request meets a pre-determined verification-free condition includes at least one of the following:

1) As an alternative implementation manner, it is determined whether each piece of information in service request information carried in the account information processing request meets a pre-determined verification-free condition. Supposing each piece of information in service quest information carried in the account information processing request meets a corresponding pre-determined verification-free condition, for example, credit rating of a user or a merchant meets pre-determined requirements, a payment scenario of a commodity ordered is safe, a payment device for a commodity ordered is a commonly used device, and the like, then the operation (such as order payment) that corresponds to the service to be processed (such as an order service) is determined to be in the verification-free status, and therefore, the operation of order payment for the order service T_1 requested by the account S on the client 202 can be directly performed, for example, a deduction operation is performed on the account S.

2) As another alternative implementation manner, it is determined whether in service request information carried in the account information processing request, information used for indicating service content and/or information of a terminal used for sending a service request meet a corresponding verification-free condition. Supposing in the service request information carried in the account information processing request, the information used for indicating service content and/or the information of a terminal used for sending a service request meet a corresponding verification-free condition, for example, a commodity ordered (such as an air ticket) is a real-name commodity, cargo source is traceable and the commodity is nontransferable, it can be determined that the service request information meets a pre-determined verification-free condition； and for another example, if a payment device for a commodity ordered is a commonly used device, use frequency thereof has reached a pre-determined threshold, and the type and model of the payment device have been certified and authorized, it can be determined that the operation (such as order payment) that corresponds to the service to be processed (such as an order service) is in the verification-free status. That is, the information used for indicating service content and/or the information of a terminal used for sending a service request are key information for a process of verification-free determining. If at least one of the key information meets a pre-determined verification-free condition, the operation of order payment can be directly performed for the order service T_1 requested by the account S on the client 202. For example, a deduction operation is performed on the account S.

According to this embodiment of the present invention, the following two methods can be used to determine whether service request information meets a pre-determined verification-free condition, that is, determining each piece of information in the service request information meets a corresponding verification-free condition； and determining information used for indicating service content and/or information of a terminal used for sending a service request in the service request information meet a corresponding pre-determined verification-free condition. In other words, when complete information or partial key information in the service request information meets a corresponding pre-determined verification-free condition, it can be determined that the service request information meets the pre-determined verification-free condition, so that the operation on the account information that corresponds to the service to be processed can be directly performed without unnecessary verification operations.

As an alternative solution, the determining whether service request information carried in the account information processing request meets a pre-determined verification-free condition includes:

S1: determining, if information used for indicating service content and/or information of a terminal used for sending a service request in the service request information both fail to meet a corresponding pre-determined verification-free condition, that the service request information fails to meet the pre-determined verification-free condition.

The details are described with reference to the following example. For example, if a commodity ordered (such as an in-game coin) is a virtual commodity, and a payment device for the commodity ordered is not a commonly used device, it can be determined that the service request information fails to meet the pre-determined verification-free condition. That is, when the two key information, including the information used for indicating service content and the information of a terminal used for sending a service request, both fail to meet a verification condition that is preset-determined verification-free condition, it is determined that the service request information fails to meet the pre-determined verification-free condition, and then further verification needs to be performed on the client 202.

According to this embodiment of the present invention, when partial key information in the service request information fails to meet a pre-determined verification-free condition, it can be determined that the service request information fails to meet the pre-determined verification-free condition, and therefore, further verification needs to be performed on the operation that corresponds to the service to be processed, so as to ensure safety of account information processing.

As an alternative solution, the performing verification on the account information includes:

S1: performing, if the number of corresponding pre-determined verification-free conditions that are met by information of a first account used for initiating a service request, information of a second account used for receiving a service request, and information used for indicating a service scenario is greater than a first pre-determined threshold, a verification operation on the account information that corresponds to the first pre-determined threshold； and

S2: performing, if the number of corresponding pre-determined verification-free conditions that are met by information of a first account used for initiating a service request, information of a second account used for receiving a service request, and information used for indicating a service scenario is less than a second pre-determined threshold, a verification operation on the account information that corresponds to the second pre-determined threshold.

Alternatively, in this embodiment, the first pre-determined threshold and the second pre-determined threshold can be configured in advance. For example, values are assigned to the pre-determined thresholds on a server 204 according to changes in market demands, technical improvement and the like, where the first pre-determined threshold and the second pre-determined threshold can be assigned with a same value or different values according to different application scenarios.

The details are described with reference to the following examples. For example, when a first pre-determined threshold is 2, if the information of a first account used for initiating a service request, the information of a second account used for receiving a service request, and the information used for indicating a service scenario all meet a corresponding pre-determined verification-free condition (that is, the number of pre-determined verification-free conditions that are met is greater than a first pre-determined threshold) , a verification operation corresponding to the first pre-determined threshold can be performed on the account information. For example, at least one verification operation is performed, such as checking whether an SMS verification code is correct.

For another example, when a second pre-determined threshold is 3, if the information of a first account used for initiating a service request and the information of a second account used for receiving a service request both meet a corresponding pre-determined verification-free condition, but the information used for indicating a service scenario fails to meet a corresponding pre-determined verification-free condition (that is, the number of pre-determined verification-free conditions that are met is less than a second pre-determined threshold) , a verification operation corresponding to the second pre-determined threshold is performed on the account information. For example, in addition to checking an SMS verification code, another verification operation, namely, checking a payment password is performed.

For another example, when a second pre-determined threshold is 2, if the information of a first account used for initiating a service request meets a corresponding pre-determined verification-free condition, but the information of a second account used for receiving a service request and the information used for indicating a service scenario both fail to meet a corresponding pre-determined verification-free condition (that is, the number of pre-determined verification-free conditions that are met is less than a second pre-determined threshold) , a verification operation corresponding to the second pre-determined threshold is performed on the account information. If the number of pre-determined verification-free conditions that are met by service request information on the client 202 is reduced, it indicates that safety of a scenario of account information processing is lowered. As a result, more verification manners are needed to perform verification on the account information. For example, three types of verification operations are performed on the account information (for example, successively checking an account number of the account information (such as a bank card number, and an identification card number) , checking a verification code received by a short message service message, and checking a payment password) , so as to ensure the safety of account information processing.

According to this embodiment of the present invention, the verification manner of the account information is dynamically adjusted depending on a different degree of meeting pre-determined verification-free conditions by service request information, so that when the number of pre-determined verification-free conditions is smaller, more verification manners are adopted to verify the account information, so as to improve the safety of account information processing； and when the number of pre-determined verification-free conditions is larger, less verification manners are adopted to verify the account information, so as to improve the efficiency of account information processing. In addition, when less verification manners are adopted to verify the account information, verification steps are less, thereby improving a success rate of account information processing.

1) determining, if the service content indicated by the information used for indicating service content belongs to verification-free service content, that the information used for indicating service content meets a corresponding pre-determined verification-free condition.

For example, if the service content indicated by the information used for indicating service content is information of a commodity ordered, and it is further determined that the commodity ordered is a real-time commodity (or physical trading) , cargo source is traceable, and the commodity is nontransferable, then the commodity can be determined to belong to verification-free service content, thereby determining the information of the commodity ordered meets a corresponding per-determined verification-free condition. The above example is merely used for explanatory purposes, which is not restricted in this embodiment.

2) determining, if the first account indicated by the information of a first account used for initiating a service request belongs to a verification-free account, that the information of the first account used for initiating a service request meets a corresponding pre-determined verification-free condition.

For example, if a first account indicated by the information of a first account used for initiating a service request is a user of a commodity ordered, and it is further determined that credit rating of the user meets certification requirements, such as four-star credit rating, then the user of the commodity ordered can be determined to belong to a verification-free account, thereby determining the user of the commodity ordered meets a corresponding pre-determined verification-free condition. The above example is merely used for explanatory purposes, which is not restricted in this embodiment.

3) determining, if the second account indicated by the information of a second account used for receiving a service request belongs to a verification-free account, that the information of the second account used for receiving a service request meets a corresponding pre-determined verification-free condition.

For example, if a second account indicated by the information of a second account used for receiving a service request is a merchant of a commodity ordered, and it is further determined that credit rating of the merchant meets certification requirements, such as five-star credit rating, then the merchant of the commodity ordered can be determined to belong to a verification-free account, thereby determining the merchant of the commodity ordered meets a corresponding pre-determined verification-free condition. The above example is merely used for explanatory purposes, which is not restricted in this embodiment.

4) determining, if the service scenario indicated by the information used for indicating a service scenario belongs to a verification-free service scenario, that the information used for indicating a service scenario meets a corresponding pre-determined verification-free condition.

For example, if a service scenario indicated by the information used for indicating a service scenario is a commonly used operation IP of a user, and the address where the commonly used operation IP is located is a commonly used operation place of the user, and it is further determined that the service scenario is safe, that is, the service scenario belongs to a verification-free service scenario, then the service scenario of the commodity ordered is determined to meet a corresponding pre-determined verification-free condition. The above example is merely used for explanatory purposes, which is not restricted in this embodiment.

5) determining, if the terminal indicated by the information of a terminal used for sending a service request belongs to a verification-free terminal, that the information of a terminal used for sending a service request meets a corresponding pre-determined verification-free condition.

For example, if the terminal indicated by the information of a terminal used for sending a service request is a commonly used terminal of a user, and it is further determined that the terminal is safe, that is, the terminal belongs to a verification-free terminal, then the terminal of the commodity ordered is determined to meet a corresponding pre-determined verification-free condition. The above example is merely used for explanatory purposes, which is not restricted in this embodiment.

According to this embodiment of the present invention, it is specifically determined whether each piece of information in the service request information belongs to verification-free information, thereby determining whether the service request information meets a pre-determined verification-free condition, so as to correctly determine whether verification on the service to be processed can be reduced or exempted.

As an alternative solution, an operation that corresponds to the service to be processed is performed on the account information:

S1: deducting a value of required account resource recorded in the service to be processed from a value of remaining account resource that corresponds to the account information.

For example, if it is determined from the above examples that, an operation that corresponds to the service to be processed can be performed on the account information, a value of required account resource recorded in the service to be processed is deducted from a value of remaining account resource that corresponds to the account information, that is, a deduction operation is performed on an account that corresponds to the account information.

According to this embodiment of the present invention, after it is determined that an operation that corresponds to the service to be processed is in a verification-free status, a value of required account resource recorded in the service to be processed is deducted from a value of remaining account resource that corresponds to the account information, so as to implement account information processing under certain safe conditions.

It should be noted that, for the purpose of brief description, the foregoing method embodiments are described as a series of activity combinations, but a person skilled in the art should know that the present disclosure is not restricted by the order of the described activities, for some steps may be performed in another sequence or at the same time based on the present disclosure. Second, a person skilled in the art should also know that, the embodiments described in the specification all belong to preferred embodiments； and involved activities and modules are not necessarily required by the present disclosure.

From the above description of the implementation manners, a person skilled in the art may clearly understand that, the methods based on the foregoing embodiments may be implemented in a manner of combining software and a necessary common hardware platform, and certainly may also be implemented by hardware. However, in most cases, the former is a better implementation manner. Based on such an understanding, the technical solutions of the present disclosure essentially, or some technical solutions contributing to the existing technology may be reflected in the form of a software product. The computer software product is stored in a storage medium (such as a ROM/RAM, a magnetic disk, or an optical disc) , including several instructions, and is used to make a terminal device (which may be a mobile phone, a computer, a server, a network device, or the like) execute the method described in the embodiments of the present invention.

According to an embodiment of the present invention, an apparatus for processing account information used for implementing the foregoing account information processing method is further provided. As shown in FIG. 3, the apparatus includes:

1) a receiving unit 302, configured to receive an account information processing request sent by a client, the account information processing request being at least used for performing an operation on account information that corresponds to a service to be processed；

2) a determining unit 304, configured to respond to the account information processing request and determine whether the operation is in a verification-free status； and

3) a processing unit 306, configured to perform, when it is determined that the operation is in the verification-free status, the operation on the account information that corresponds to the service to be processed； and perform verification on the account information when it is determined that the operation is not in the verification-free status, and if the verification is passed, perform the operation on the account information that corresponds to the service to be processed.

Alternatively, in this embodiment, the foregoing method for processing account information may but is not limited to be applied in a process of electronic payment or online information exchange. For example, as shown in FIG. 2, for a method for processing account information between a client 202 and a server 204, refer to step S202 to step S212. Alternatively, in this embodiment, the service to be processed may include but is not limited to an order service, and the operation that corresponds to the service to be processed may include but is not limited to order payment. For example, when an account S on a client 202 generates an order service T_1, the account S on the client 202 sends to a server 204 a request corresponding to an operation of order payment for the order service T_1, then the server 204 determines whether the operation of order payment is in a verification-free status, and directly performs, if it is determined that the operation is in the verification-free status, the operation of order payment for the order service T_1 requested by the account S on the client 202. For example, a deduction operation is performed on the account S. The above example is merely used for explanatory purposes, which is not restricted in this embodiment.

Alternatively, in this embodiment, the account information processing request may include but is not limited to service request information, where the service request information may include but is not limited to: information used for indicating service content, information of a first account used for initiating a service request, information of a second account used for receiving a service request, information used for indicating a service scenario, and information of a terminal used for sending a service request. For example, when an account S on a client 202 generates an order service T_1, as shown in Table 2, service request information of the order service T_1 may include but is not limited to: information of a commodity ordered in the order service, information of a user in the order service, information of a merchant corresponding to the ordered commodity, information of a payment scenario for the ordered commodity, and information of a payment device used for sending the order service request.

Table 2

According to this embodiment of the present invention, after receiving an account information processing request sent by a client for performing an operation that corresponds to a service to be processed, it is determined whether the operation is in a verification-free status, so as to directly perform the operation on account information in a verification-free status without a verification operation, thereby achieving a technical effect of improving efficiency of account information processing. As an alternative solution, the determining unit 304 includes:

1) a judging module, configured to determine whether service request information carried in the account information processing request meets a pre-determined verification-free condition, where the service request information includes at least one of the following: information used for indicating service content, information of a first account used for initiating a service request, information of a second account used for receiving a service request, information used for indicating a service scenario, and information of a terminal used for sending a service request； determine, if the service request information is determined to meet the pre-determined verification-free condition, that the operation is in the verification-free status； and determine, if the service request information fails to meet the pre-determined verification-free condition, that the operation is not in the verification-free status.

The details are described with reference to the following example. Referring to step S202 to step S204 as shown in FIG. 2, supposing a user Zhang San on a client 202 purchased from a merchant A an air ticket from Beijing to Hainan, an order service T_1 was generated in an account S on the client 202, and an account information processing request concerning the account S of the user Zhang San was sent to a server 204, where the account information processing request carries service request information. For example, as shown in Table 2, the service request information is that the user Zhang San purchased on May 20^th, 2014 from a merchant A an air ticket from Beijing to Hainan, and a payment device used was a mobile phone terminal commonly used by the user Zhang San, then it is determined whether the service request information carried in the account information processing request meets a pre-determined verification-free condition. For example, it is determined whether credit rating of a user and/or merchant meets a pre-determined rating, and/or whether a payment scenario of an ordered commodity is safe, and/or whether a payment device is a device that is used more times than a pre-determined threshold, and the like.

As an alternative solution, the judging module includes at least one of the following:

1) a first judging sub-module, configured to determine, if each piece of information in the service request information meets a corresponding pre-determined verification-free condition, that the service request information meets the pre-determined verification-free condition, where each piece of the information corresponds to one or more pre-determined verification-free conditions； and

2) a second judging sub-module, configured to determine, if information used for indicating service content and/or information of a terminal used for sending a service in the service request information meet a corresponding pre-determined verification-free condition, that the service request information meets the pre-determined verification-free condition.

The details are described with reference to the following example. Referring to step S202 to step S206 as shown in FIG. 2, supposing a user Zhang San on a client 202 purchased from a merchant A an air ticket from Beijing to Hainan, an order service T_1 was generated in an account S on the client 202, and an account information processing request concerning the account S of the user Zhang San was sent to a server 204, where the account information processing request carries service request information. For example, as shown in Table 2, the service request information is that the user Zhang San purchased on May 20^th, 2014 from a merchant A an air ticket from Beijing to Hainan, and a payment device used was a mobile phone terminal commonly used by the user Zhang San. Further, the determining whether service request information carried in the account information processing request meets a pre-determined verification-free condition includes at least one of the following:

As an alternative solution, the judging module includes:

1) a third judging sub-module, configured to determine, if information used for indicating service content and information of a terminal used for sending a service request in the service request information both fail to meet a corresponding pre-determined verification-free condition, that the service request information fails to meet the pre-determined verification-free condition.

The details are described with reference to the following example. For example, if a commodity ordered (such as an in-game coin) is a virtual commodity, and a payment device for the commodity ordered is not a commonly used device, it can be determined that the service request information fails to meet the pre-determined verification-free condition. That is, when the two key information, including the information used for indicating service content and the information of a terminal used for sending a service request, both fail to meet a pre-determined verification-free condition, it is determined that the service request information fails to meet the pre-determined verification-free condition, and then further verification needs to be performed on the client 202.

As an alternative solution, as shown in FIG. 4, the processing unit 306 includes:

1) a first verification module 402, configured to perform, if the number of corresponding pre-determined verification-free conditions that are met by information of a first account used for initiating a service request, information of a second account used for receiving a service request, and information used for indicating a service scenario is greater than a first pre-determined threshold, a verification operation on the account information that corresponds to the first pre-determined threshold； and

2) a second verification module 404, configured to perform, if the number of corresponding pre-determined verification-free conditions that are met by information of a first account used for initiating a service request, information of a second account used for receiving a service request, and information used for indicating a service scenario is less than a second pre-determined threshold, a verification operation on the account information that corresponds to the second pre-determined threshold； and

1) a processing module 406, configured to deduct a value of required account resource recorded in the service to be processed from a value of remaining account resource that corresponds to the account information.

The serial numbers of the foregoing embodiments of the present invention are merely used for description, but are not intended to represent superiority or inferiority of the embodiments.

In the foregoing embodiments of the present invention, description of each embodiment has a different focus. For a part not described in detail in an embodiment, relevant description of another embodiment may be referred to.

In several embodiments of the present invention, it should be understood that, the client disclosed may be implemented in another manner. The foregoing apparatus embodiments are only for schematic purposes. For example, division of the units is merely division of logical functions, and in practical implementation, there may be another division manner. For example, a plurality of units or components may be combined or integrated into another system； or some features may be omitted or not executed. Another point is that, mutual coupling or direct coupling or communications connection presented or discussed may be implemented by means of indirect coupling or communications connection of some interfaces, units or modules, and may be implemented in an electrical or another form.

The units described as separated components may be physically separated or not, and a component present as a unit may be a physical unit or not, that is, may be located at a place or distributed into a plurality of network units. Some or all of the units may be selected according to actual demands for implementing the solutions of the embodiments.

In addition, the functional units in the embodiments of the present invention may be integrated into one processing unit, or each of the units may exist alone physically, or two or more units may be integrated into one unit. The integrated unit may be implemented in the form of hardware, or may be implemented in the form of a software functional unit.

When the integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, the integrated unit may be stored in a computer-readable storage medium. Based on such an understanding, technical solutions of the present disclosure essentially, or some of the technical solutions contributing to the existing technology, or all or some of the technical solutions may be implemented in the form of a software product. The computer software product is stored in a storage medium, including several instructions, and used to make a computer device (which may be a personal computer, a server, a network device, or the like) to perform all or some of steps of the methods described in the embodiments of the present invention. The storage medium includes various media that can store program code, such as a USB flash disk, a read-only memory (ROM) , a random access memory (RAM) , a mobile hard disk, a magnetic disk, or an optical disc. The instructions are executed by one or more processors of the computer device, to implement a method for processing account information.

The above description only shows preferred implementation manners of the present disclosure. It should be noted that, a person of ordinary skill in the art may further make improvements and alterations without departing from the principle of the present disclosure, and these improvements and alterations shall be considered to fall within the protection scope of the present disclosure.

Claims

A method for processing account information, comprising:

receiving an account information processing request sent by a client, the account information processing request being at least used for performing an operation on account information that corresponds to a service to be processed；

responding to the account information processing request and determining whether the operation is in a verification-free status；

performing, if it is determined that the operation is in the verification-free status, the operation on the account information that corresponds to the service to be processed； and

performing a verification on the account information if it is determined that the operation is not in the verification-free status； and performing, if the verification is passed, the operation on the account information that corresponds to the service to be processed.
The method according to claim 1, wherein the responding to the account information processing request and determining whether the operation is in a verification-free status comprises:

determining whether service request information carried in the account information processing request meets a pre-determined verification-free condition, wherein the service request information comprises at least one of the following: information used for indicating service content, information of a first account used for initiating a service request, information of a second account used for receiving a service request, information used for indicating a service scenario, and information of a terminal used for sending a service request； and

determining, if it is determined that the service request information meets the pre-determined verification-free condition, that the operation is in the verification-free status； or determining, if it is determined that the service request information fails to meet the pre-determined verification-free condition, that the operation is not in the verification-free status.
The method according to claim 2, wherein the determining whether service request information carried in the account information processing request meets a pre-determined verification-free condition, comprises at least one of the following:

determining, if each piece of information in the service request information meets a corresponding pre-determined verification-free condition, that the service request information meets the pre-determined verification-free condition, wherein each piece of the information corresponds to one or more pre-determined verification-free conditions； and

determining, if the information used for indicating service content and/or the information of a terminal used for sending a service request meet a corresponding pre-determined verification-free condition, that the service request information meets the pre-determined verification-free condition.
The method according to claim 2, wherein the determining whether service request information carried in the account information processing request meets a pre-determined verification-free condition comprises:

determining, if the information used for indicating service content and the information of a terminal used for sending a service request both fail to meet a corresponding pre-determined verification-free condition, that the service request information fails to meet the pre-determined verification-free condition.
The method according to claim 4, wherein the performing verification on the account information comprises:

performing, if the number of corresponding pre-determined verification-free conditions that are met by information of a first account used for initiating a service request, information of a second account used for receiving a service request, and information used for indicating a service scenario is greater than a first pre-determined threshold, a verification operation on the account information that corresponds to the first pre-determined threshold； and

performing, if the number of corresponding pre-determined verification-free conditions that are met by information of a first account used for initiating a service request, information of a second account used for receiving a service request, and information used for indicating a service scenario is less than a second pre-determined threshold, a verification operation on the account information that corresponds to the second pre-determined threshold.
The method according to any one of claims 2 to 5, wherein the determining whether service request information carried in the account information processing request meets a pre-determined verification-free condition, comprises at least one of the following:

determining, if the service content indicated by the information used for indicating service content belongs to verification-free service content, that the information used for indicating service content meets a corresponding pre-determined verification-free condition；

determining, if the first account indicated by the information of a first account used for initiating a service request belongs to a verification-free account, that the information of a first account used for initiating a service request meets a corresponding pre-determined verification-free condition；

determining, if the second account indicated by the information of a second account used for receiving a service request belongs to a verification-free account, that the information of a second account used for receiving a service request meets a corresponding pre-determined verification-free condition；

determining, if the service scenario indicated by the information used for indicating a service scenario belongs to a verification-free service scenario, that the information used for indicating a service scenario meets a corresponding pre-determined verification-free condition； and

determining, if the terminal indicated by the information of a terminal used for sending a service request belongs to a verification-free terminal, that the information of a terminal used for sending a service request meets a corresponding pre-determined verification-free condition.
The method according to any one of claims 1 to 5, wherein the performing the operation on the account information that corresponds to the service to be processed comprises:

deducting a value of required account resource recorded in the service to be processed from a value of remaining account resource that corresponds to the account information.
An apparatus for processing account information, comprising:

a receiving unit, configured to receive an account information processing request sent by a client, the account information processing request being at least used for performing an operation on account information that corresponds to a service to be processed；

a determining unit, configured to respond to the account information processing request and determine whether the operation is in a verification-free status； and

a processing unit, configured to perform, when it is determined that the operation is in the verification-free status, the operation on the account information that corresponds to the service to be processed； and perform a verification on the account information when it is determined that the operation is not in the verification-free status, and if the verification is passed, perform the operation on the account information that corresponds to the service to be processed.
The apparatus according to claim 8, wherein the determining unit comprises:

a judging module, configured to determine whether service request information carried in the account information processing request meets a pre-determined verification-free condition, wherein the service request information comprises at least one of the following: information used for indicating service content, information of a first account used for initiating a service request, information of a second account used for receiving a service request, information used for indicating a service scenario, and information of a terminal used for sending a service request； determine, if the service request information meets the pre-determined verification-free condition, that the operation is in the verification-free status； and determine, if the service request information fails to meet the pre-determined verification-free condition, that the operation is not in the verification-free status.
The apparatus according to claim 9, wherein the judging module comprises at least one of the following:

a first judging sub-module, configured to determine, if each piece of information in the service request information meets a corresponding pre-determined verification-free condition, that the service request information meets the pre-determined verification-free condition, wherein each piece of the information corresponds to one or more pre-determined verification-free conditions； and

a second judging sub-module, configured to determine, if the information used for indicating service content and/or the information of a terminal used for sending a service request meet a corresponding pre-determined verification-free condition, that the service request information meets the pre-determined verification-free condition.
The apparatus according to claim 9, wherein the judging module comprises:

a third judging sub-module, configured to determine, if the information used for indicating service content and the information of a terminal used for sending a service request both fail to meet a corresponding pre-determined verification-free condition, that the service request information fails to meet the pre-determined verification-free condition.
The apparatus according to claim 11, wherein the processing unit comprises:

a first verification module, configured to perform, if the number of corresponding pre-determined verification-free conditions that are met by information of a first account used for initiating a service request, information of a second account used for receiving a service request, and information used for indicating a service scenario is greater than a first pre-determined threshold, a verification operation on the account information that corresponds to the first pre-determined threshold； and

a second verification module, configured to perform, if the number of corresponding pre-determined verification-free conditions that are met by information of a first account used for initiating a service request, information of a second account used for receiving a service request, and information used for indicating a service scenario is less than a second pre-determined threshold, a verification operation on the account information that corresponds to the second pre-determined threshold.
The apparatus according to any one of claims 9 to 12, wherein the processing unit comprises:

a processing module, configured to deduct a value of required account resource recorded in the service to be processed from a value of remaining account resource that corresponds to the account information.