CN110402570B - Information processing method and system, server, terminal, computer storage medium - Google Patents

Abstract

The embodiments of the present invention disclose an information processing method and system, a server, a terminal, and a computer storage medium. The method includes: based on requesting access to a second application client with account data of the first application client, obtaining a first message from a first terminal including the first application client; the first message includes a message corresponding to the first application client. The user identity of the account data of the first application client; obtain the user credit data associated with the user identity, and send the user credit data to the second terminal including the second application client, so that the The second application client executes corresponding service logic based on the user credit data; the first terminal and the second terminal are the same or different; the user credit data is used to indicate that the terminal user corresponding to the user ID violates the The probability of a predetermined rule.

Description

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

technical field

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

Background technique

With the rapid development of Internet technology, the Internet plays an increasingly important role in people's lives, and people can use the Internet to handle various affairs. But usually, before using Internet business, operations such as account registration are usually required. In order to avoid the trouble caused by too many account registrations to users, there is a technical solution of using an existing application account to authorize login to another application. In this way, the services provided by third-party applications are used, so that users do not need to repeatedly register accounts under multiple applications.

SUMMARY OF THE INVENTION

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

In order to achieve the above-mentioned purpose, the technical scheme of the embodiment of the present invention is realized as follows:

An embodiment of the present invention provides an information processing method, the method includes: based on requesting access to a second application client with account data of a first application client, obtaining a first application client information from a first terminal including the first application client message; the first message includes a user ID corresponding to the account data of the first application client; obtain user credit data associated with the user ID, and send the user credit data to the The second terminal of the second application client, so that the second application client of the second terminal executes corresponding service logic based on the user credit data; the user credit data is used to represent the terminal corresponding to the user identity. The probability that a user violates a predetermined rule.

An embodiment of the present invention further provides an information processing method, the method includes: obtaining a user corresponding to the account data of the first application client based on requesting access to a second application client based on the account data of the first application client Credit data, the user credit data is used to represent the probability that the terminal user corresponding to the user ID violates the predetermined rule; based on the user credit data, the second application client executes corresponding service logic.

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

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

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

The embodiments of the present invention also provide a computer storage medium, which stores computer instructions, and when the instructions are executed by the processor, implements the steps of the information processing method applied to the server described in the embodiments of the present invention; or, the instructions are When executed by the processor, the steps of the information processing method applied to the terminal according to the embodiment of the present invention are implemented.

An embodiment of the present invention further provides a server, including a memory, a processor, and a computer program stored in the memory and running on the processor, where the processor implements the application described in the embodiment of the present invention when the processor executes the program The steps of the information processing method for the server.

An embodiment of the present invention further provides a terminal, including a memory, a processor, and a computer program stored in the memory and running on the processor, where the processor implements the application described in the embodiment of the present invention when the processor executes the program Steps of an information processing method for a terminal.

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

Description of drawings

1 is a schematic diagram of an interaction flow for logging in a third-party application based on the authorization of the main application;

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

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

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

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

FIG. 6a and FIG. 6b are schematic diagrams of an interaction flow of an information processing method according to an embodiment of the present invention;

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

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

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

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

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

Detailed ways

Before describing in detail the information processing method according to the embodiment of the present invention, the processing procedure of logging in a third-party application based on the authorization of the main application is first described. FIG. 1 is a schematic diagram of an interaction flow for logging in a third-party application based on the authorization of the main application; as shown in FIG. 1 , it includes:

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

In practical applications, as an example, a user uses a browser application client to open a web page, for example, the web page is an e-commerce page, or a multimedia playback page (such as a Tencent video page); the user needs to log in to the web page. In order to avoid users needing to enter a lot of information to register and enter a username and password to log in, configure one or more icons of the main application in the login area of the page, such as QQ application icon, WeChat application icon, etc. , so that the user can log in to the webpage with the existing account of the main application. When the user clicks the icon of any main application, the main application client corresponding to the icon of the main application initiates a login request to the browser application client that is the third-party application client.

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

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

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

Step 105: The third-party application client polls the main application server, and obtains information on whether the user confirms the authorization, and the information carries a temporary identifier; wherein, the order of step 104 and step 105 are not distinguished, and step 104 can be executed first and then executed In step 105, step 105 may be executed first and then step 104 may be executed, or step 104 and step 105 may be executed simultaneously, and the execution order is not limited in this embodiment.

Step 106: The main application client scans the graphic code displayed by the third-party application client to obtain the temporary identifier and the application identifier carried by the graphic code. The main application client has the function of scanning and reading the graphic code. After activating this function, as an implementation manner, the image containing the graphic code is obtained by calling the camera, and the temporary identification and the application identification carried by the graphic code in the image are further identified. . For example, the main application client activates the graphic code scanning function and invokes the camera, so that the main application client displays a display interface including a scan frame; when the camera collects image data so that the collected graphic code is in the scan frame, the main application client The terminal scans the collected graphic code based on the graphic code scanning function to obtain the temporary identification and application identification carried by the graphic code. As another implementation manner, the main application client has an Optical Character Recognition (OCR, Optical Character Recognition) function, that is, it directly recognizes the characters in the image containing the graphic code, and further obtains the temporary information carried by the graphic code based on the recognized characters. Identity and application identity.

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

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

Step 109: The main application client confirms the authorization to the third-party application client. In actual application, the display interface of the main application client can display virtual buttons such as "authorize" and "unauthorized", and the user clicks the "authorization" virtual button, that is, the confirmation is made. The main application client confirms the authorization to the third-party application client, and the third-party application client is allowed to log in with the account of the main application client. Correspondingly, if the user clicks the "do not authorize" virtual button, it is determined that the main application client does not confirm authorization to the third-party application client, and the third-party application client is not allowed to log in with the account of the main application client.

Step 110: After confirming the authorization, the third-party application client sends an information acquisition request to the main application server. The information acquisition request includes information such as temporary identification, access token, and application identification. The main application server can obtain information based on the information in the information acquisition request. The temporary identification determines the user identification of the corresponding main application client, obtains corresponding user information based on the user identification, and returns the user information to the third-party application.

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

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

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

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

Embodiments of the present invention provide an information processing method. FIG. 3 is a first schematic flowchart of an information processing method according to an embodiment of the present invention; as shown in FIG. 3 , the method includes:

Step 301: Based on requesting access to a second application client with account data of the first application client, obtain a first message from a first terminal including the first application client; the first message includes the first application client The user ID corresponding to the account data of the terminal.

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

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

In this embodiment, the obtaining the first message from the first terminal including the first application client based on requesting access to the second application client based on the account data of the first application client includes: based on the first terminal Read and identify the identification information output by the second terminal through the second application client by the first application client, and obtain a first message from the first terminal, where the first message includes the user identification and the temporary identifier assigned by the server. Wherein, the identification information is a graphic code, such as a two-dimensional code, a barcode, and the like.

In practical applications, the first terminals are the same or different, that is, the first application client and the second application client may be installed in the first terminal and the second terminal respectively, or may also be installed in the same terminal. Taking the first terminal and the second terminal as the same as an example, after the terminal activates the second application client, it can detect the input operation request for the identifier of the first application client in the display interface of the second application client to use the first application client. The account data of the application client accesses the second application client; wherein, the displayed identifier of the first application client may specifically be the displayed icon or link of the first application client, and the user triggers the icon or link to request to use the first application client's identifier. The account data accesses the corresponding second application client. After receiving the request, the second application client communicates with the server (that is, the server to which the first application client belongs) to obtain a temporary identifier allocated by the server, where the temporary identifier may be a UUID. As an implementation manner, the second application client can encode the temporary identification by encoding to generate identification information, and output and display the identification information; the first application client identifies the identification information and obtains the temporary identification included in the identification information; wherein , the second application client can encode the temporary identification by means of two-dimensional code encoding to generate two-dimensional code information, and display the two-dimensional code information through the display component of the terminal; the first application client can identify the two-dimensional code by OCR code information, so as to obtain the temporary identification carried by the two-dimensional code information. At this time, the terminal sends a first message to the server through the first application client, where the first message includes the user identity identifier corresponding to the account data of the first application client, and may also include the temporary identifier and the application identifier (the The application identifier is the application identifier corresponding to the second application client), so that the server returns the authorization information to the second application client of the terminal, and obtains the corresponding user credit data according to the user identifier, and sends it to the second application client of the second terminal. The application client returns user credit data.

In this embodiment, the sending the user credit data to the second terminal including the second application client includes: in response to the obtained representation confirmation, authorization is used to access the first application client with the account data of the first application client. The confirmation message of the second application client sends the user credit data to the second application client.

As an implementation manner, the first terminal obtains a temporary identification by reading the identification information output by the second application client through the first application client, representing authorization to access the second application client with the account data of the first application client , that is, after obtaining the temporary identification, the first application client of the first terminal sends a first message carrying the user identification to the server, and in response to the first message, the server sends the obtained user credit data associated with the user identification to the server. to the second application client.

As another implementation manner, the server may receive an input operation for the "Confirm Authorization" function button, that is, the server receives a confirmation that the first terminal is authorized to access the second application client with the account data of the first application client, and determines to obtain the authorization. A confirmation message representing the authorization to access the second application client with the account data of the first application client. In practical applications, after the server receives the first message from the first terminal, based on the information carried in the first message (including the temporary identifier, the second application client The second terminal of the terminal sends the authorization information and the access token, and the second terminal displays an interface including the "Confirm Authorization" function button based on the output of the second application client. The account data of the application client accesses the second application client, and after receiving the confirmation authorization instruction, the second application client notifies the server, and the server sends the user credit data associated with the user identity to the For the second terminal, it can be understood that, in this embodiment, the second application client obtains the corresponding user credit data from the server when it needs user credit data.

In this embodiment, the user credit data may include at least one of the following data types: credit score and credit level. As an embodiment, the larger the credit score or the higher the credit rating, the lower the probability that the corresponding end user violates the agreed rules, and the smaller the credit score or the lower the credit rating, the lower the probability that the corresponding end user violates the agreed rules. The greater the probability of the agreed rules.

In this embodiment, as an implementation, the server has the function of calculating credit data, that is, the server can calculate and obtain user credit data through the collection of behavior data. Search is performed based on the user credit data set stored by itself to obtain the user credit data associated with the user identity. As another implementation manner, the user credit data can be calculated and obtained by the credit service platform by collecting behavior data. After obtaining the first message, the server exchanges information with the credit service platform, and obtains information related to the user identity from the credit service platform. Linked user credit data.

By adopting the technical solutions of the embodiments of the present invention, when the first application client requests to access the second application client with the account data of the first application client, the server sends the user credit corresponding to the account data to the second application client through the server data, so that the second application client can execute the corresponding service logic based on the user credit data, and realize the provision of corresponding services based on the probability of violating the predetermined rules, thereby reducing users who have a high probability of not complying with the predetermined rules in the process of obtaining services. The resulting probability of security issues such as information leakage or attacks on the service platform improves the security and reliability of service provision and service platforms.

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

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

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

Step 403: Input the first characteristic variable into a data analysis model to obtain user credit data; wherein the data analysis model is used to output user credit data according to the first characteristic variable.

Step 404: Based on the request to access the second application client based on the account data of the first application client, obtain a first message from the first terminal including the first application client; the first message includes the first application client The user ID of the account data of the client.

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

In this embodiment, the first characteristic variable is used to represent the behavioral characteristics of the account data. The behavioral characteristics of the account data are obtained based on the Internet-based behavioral data of the account data. After the first characteristic variable is input into the data analysis model, the The probability value that the behavior does not satisfy the preset condition. Since the behavior data of the account data in social applications can cover the behavior of the account data widely, the behavior data input into the data analysis model can fully reflect the behavior of the account data, so that the behavior of the analyzed account data does not meet the expectations. The conditional probability value is more accurate.

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

Online behavior data on the Internet includes, but is not limited to:

1) Basic demographic attribute information of users, such as name, age, gender, region, education, occupation, etc.;

2) Virtual value-added service data, such as virtual account character dress-up, game item purchase, film and television membership services, cloud storage space value-added services, music data packages, etc.;

3) Social interaction behavior data, such as chat, email, voice call, Weibo space posting, Douban comments, Zhihu Q&A, official account article reading, etc.;

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

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

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

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

Online data can be obtained through the user's mobile phone, tablet or PC instant messaging application, game client, APP download platform, wealth management platform, shopping software, etc. to collect the information filled in by the user or to actively report it through the application.

Offline behavioral data includes but is not limited to:

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

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

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

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

It can be seen that behavior data includes actions in a variety of online and offline scenarios, almost including behavior data in all aspects of life. Therefore, the probability values obtained from these behavior data also more accurately reflect the real probability value of the account. In addition, when the behavior data changes, it will be immediately fed back to the server or obtained by the server immediately. Therefore, the update speed of the behavior data is fast, and the probability value obtained according to the immediately updated behavior data can reflect that the current behavior of the account data does not meet the preset requirements. conditional probability. The probability value that does not meet the preset conditions can be the probability of default, such as the behavior of not complying with the contract.

For example, when user A's credit rating is obtained according to user A's behavior data, user A's account chatting behavior in instant messaging applications, video viewing behaviors in video applications, and application downloading behaviors can be collected. The first feature variables are extracted from the behavior data respectively, and the first feature variables of different categories can be obtained. For example, the first feature variable of the instant messaging category, the first feature variable of the video category, and the first feature variable of the download category, all the first feature variables of these different categories are input into the data analysis model, and the first value is output. Parts of the first characteristic variables of different categories can also be input into the data analysis model.

Usually, the friends of user A have similarities with user A, and the behavior data of the friends of user A can also reflect the probability that the behavior of user A does not meet the preset conditions. Therefore, when the first feature variable is input into the data analysis model, the feature variable associated with the friend of user A may also be input at the same time.

That is, the inputting the first characteristic variable into the data analysis model includes: acquiring a second characteristic variable, wherein the second characteristic variable is used to represent the behavior of multiple other account data that is associated with the account data feature; inputting the first feature variable and the second feature variable into the data analysis model, wherein the data analysis model is further configured to output the data according to the first feature variable and the second feature variable user credit data.

The method for acquiring the second characteristic variable is the same as the method for acquiring the first characteristic variable, which will be described in detail later. Account data with an associated relationship and multiple other account data are friend relationships, which can be understood as multiple other account data being friends of the account data. In the above example, both the online behavior and the offline behavior can be mapped to the behavior of an application account through a certain corresponding relationship. For example, other account data uses the mobile phone number to register the navigation service and instant messaging application. When acquiring the behavior data of other account data, the behavior data of other account data in the navigation service and the behavior of other account data in the instant messaging application are collected. data.

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

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

Among them, υ' represents the third characteristic variable, i represents the ith other account data, α _i is the intimacy between the ith other account data and the account data, υ _i is the second characteristic variable of the ith other account data, f is the weighted average of the second characteristic variable and the intimacy of the top n other account data in the order of intimacy from high to low; the first characteristic variable and the third characteristic variable are input into the data analysis model.

In this embodiment, data processing is performed on the second characteristic variable of other account data, so that it can better reflect the behavior characteristics of the account data. Therefore, when acquiring the second variable, each second feature variable is multiplied by the corresponding weight value, and then weighted average is performed. The weight value represents the intimacy between account data and other account data. The closer the account data is to other account data, the larger the weight value; otherwise, the smaller the weight value. Intimacy can be measured by the interaction between account data and other account data, such as the more chat between account data and other account data, the closer the relationship. The higher the community overlap between account data and other account data, the closer the relationship between the two account data. Intimacy and coincidence can be obtained by training a model. Interactive behaviors include Moments interaction, payment interaction (such as sending red envelopes), exercise interaction (such as walking 10,000 steps to like), etc. Intimacy can be reflected by the above-mentioned information interaction, including the number of times and days of sending and receiving information, as well as the ratio of sending and receiving information, the number of information interactions per day, etc. These messages include text messages, video messages, and voice messages. Intimacy can also be gained by commenting, liking, marking friends as special friends, sending gifts, or blocking.

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

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

The general characteristics of a group can reflect the characteristics of a certain user in the group. Therefore, the probability value that the behavior does not meet the preset conditions can be obtained according to the characteristics of a group, which can reflect the user's credit degree more accurately. It should be noted that, when acquiring the second characteristic variables of multiple second accounts, first select the top n other account data according to the closeness of the friends of the account data and the account data, and then select the top n other account data according to the closeness and the first. The second feature variable generates the third feature variable.

Due to the wide range of behavioral data collected, the data formats obtained are also different. Therefore, after obtaining the behavior data, first delete abnormal data, remove duplicate data, filter out data with large fluctuation value, and complete missing data. The abnormal data may be data that obviously exceeds a certain range. For example, the age of a person usually does not exceed 100. If the collected data shows that the age is 100, the abnormal data will be deleted. If the collected data shows that age includes 0 and 49, 0 and 49 are in the range of 0 to 100, however, most of the other data are between 18 and 45, so 0 and 49 belong to the singular points with large fluctuation values.

After basic processing of behavioral data, behavioral data is divided into multiple dimensions according to data sources and business characteristics. For example, basic information, social interaction, financial management, etc., are classified and integrated into the database. When writing to the database, you can agree on the data type and data structure first. For example, numeric values are of type int, and locale names are of type string. Other forms are also possible, and we will not give examples one by one.

Due to the huge amount of stored behavior data and the correlation between many data, it is necessary to filter these data to obtain highly significant features to input into the data analysis model.

a) In the basic attributes, the civil servants have relatively stable jobs and reliable economic sources, which can reflect the economic ability and repayment willingness of users;

b) Users who often do not reply to messages in a timely manner in social interactions may be lazy, reflecting that users are procrastinating in character;

c) Users who frequently purchase value-added services and online shopping can reflect the economic ability of users;

d) The purchase of stocks, funds and P2P in economic behavior can reflect the risk tolerance and economic ability of users;

e) Taking a special car but frequently canceling the order or having a low star rating can reflect the user's reputation;

f) If the friends that the user often contacts are high-quality, abiding by the agreement, and people with strong economic ability, they can give feedback to the user to a certain extent.

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

That is, as an implementation manner, acquiring the first feature variable of the account data according to the behavior data includes: acquiring the information gain of the features in the behavior data, where the information gain is used to represent the amount of information contained in the behavior data; and judging whether the information gain is at a preset value within the range; if the information gain is within the preset value range, a derivative variable will be constructed according to the behavior data, where the derivative variable is the merged or split behavior data; if the information gain is outside the preset value range, it will be deleted. The features corresponding to the information gain outside the preset value range are constructed, and then the derivative variables are constructed according to the remaining features; the derivative variables are used as the first feature variables.

As an embodiment, deleting the features corresponding to the information gain outside the preset numerical range, and then constructing a derivative variable according to the remaining features includes: after deleting the features corresponding to the information gain outside the preset numerical range, obtaining the remaining features The correlation coefficient of ; the features whose correlation coefficient is greater than or equal to the preset coefficient are combined into a combined feature; the combined feature is used as a derivative variable.

Features and feature values constitute behavioral data. For example, the collected behavior data includes the number of text chats, the number of voice calls, and the payment amount, which are all features of the behavior data. For example, 9 text chats, 10 voice calls and 100 payments, the numbers in them are called feature values. Information gain can reflect the amount of information of a feature. If the amount of information is less than the threshold, the feature can be removed. For example, the information gain is sorted for each type of features, and the features whose information gain is less than the threshold are deleted. Then, the correlation of the remaining features is detected. If there are features with strong correlation, the features with strong correlation are combined to obtain the first feature variable. If the correlation of a feature is weak and the saliency is strong, this feature can be refined into multiple features. For example, split chats into evening chats, daytime chats, weekend chats, weekday chats, etc. Conversely, the number of chats at night and the number of chats during the day can also be combined into the number of chats.

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

As an embodiment, before inputting the first characteristic variable and the second characteristic variable into the data analysis model, the method further includes: dividing the behavior data into multiple categories; respectively establishing a sub-category for each of the multiple categories model, wherein each sub-model is used to output a first sub-value according to the first characteristic variable and/or the second characteristic variable, wherein the first sub-value is used to indicate that under the category corresponding to the sub-model, the behavior of the account data is different. The probability value that satisfies the preset conditions; multiple sub-models corresponding to multiple categories are constructed as data analysis models.

Specifically, when establishing a data analysis model, that is, before inputting the first characteristic variable and the second characteristic variable into the data analysis model, each A sub-model is generated corresponding to the category, and each sub-model can output a first sub-value, and by processing these first sub-values, the first value output by the data analysis model is obtained. Further, when establishing a sub-model, training can be performed according to the sample data of each category to obtain a sub-model, or each category can be further divided, and a low-level model can be established for the divided data, which is composed of multiple low-level models. sub-model, and then the sub-model constitutes the data analysis model.

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

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

Optionally, constructing multiple sub-models corresponding to multiple categories into a data analysis model includes: constructing multiple sub-models into a data analysis model in the following manner:

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

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

Wherein, dividing the behavior data into multiple categories includes: dividing the behavior data into multiple categories according to the business types included in the behavior data; The data of the target object is divided into another category.

According to the level of division, the division according to the business type, and the division according to whether the target object is included, any one of these three division methods can be used to build a sub-model alone, or a combination of any two or three of the three can be used to build a sub-model. For example, first establish a sub-model according to whether the target object is included, and then divide the low-level sub-models below the sub-model according to the business type, and so on.

The sub-business mainly refers to the classification of the previous data categories, such as basic information, value-added services, social interaction, economic behavior, etc.; the grouping is mainly divided according to the characteristics of the business, such as in the economic behavior, users with and without credit cards are paying, shopping, financial management, etc. The behavior performance is quite different, so it can be divided into two groups to build models respectively; the layering is mainly manifested at the level of the entire model architecture, such as the sub-model layer, and the sub-model can also be divided into multiple dimension layers. Machine learning algorithms can be completely different.

In this embodiment, the above-mentioned steps 404 to 405 correspond to the steps 301 to 302 in the above-mentioned embodiment respectively. Therefore, those skilled in the art can refer to the above-mentioned embodiments to understand the above-mentioned steps 404 to 405. The length will not be repeated here.

Using the technical solutions of the embodiments of the present invention, on the one hand, accurate acquisition of user credit data is achieved; on the other hand, when the first application client requests to access the second application client with the account data of the first application client, The server sends the user credit data corresponding to the account data to the second application client, so that the second application client can execute the corresponding service logic based on the user credit data, so as to provide corresponding services based on the probability of violating predetermined rules, thereby reducing The probability of security problems such as information leakage or attacks on the service platform caused by users who have a high probability of not complying with the predetermined rules in the process of obtaining services improves the security and reliability of service provision and service platforms.

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

Step 501: Based on the request to access the second application client with the account data of the first application client, the terminal obtains user credit data corresponding to the account data of the first application client, and the user credit data is used to represent the user identity. The probability that the corresponding end user violates the predetermined rule.

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

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

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

In an actual application, taking the terminal being able to run the first application client and the second application client as an example, after the terminal activates the second application client, the display interface of the second application client can detect the operation of the first application client. The identified input operation requests to access the second application client with the account data of the first application client, that is, the terminal sends a login request message to the second application client through the interface between the first application client and the second application client , and access the login request of the second application client with the account data of the first application client; wherein, the displayed identifier of the first application client may specifically be the displayed icon or link of the first application client, and the user triggers the icon Or link to request to access the corresponding second application client with the account data of the first application client.

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

In this embodiment, the terminal obtains user credit data corresponding to the account data of the first application client from a server (specifically, the server to which the first application client belongs), and the user credit data is used to represent the user corresponding to the account data The probability that the end user corresponding to the ID violates the predetermined rule. The user credit data may include at least one of the following data types: credit score and credit level. As an embodiment, the larger the credit score or the higher the credit rating, the lower the probability that the corresponding end user violates the agreed rules, and the smaller the credit score or the lower the credit rating, the lower the probability that the corresponding end user violates the agreed rules. The greater the probability of the agreed rules. There are two categories of violations of the predetermined rules here: the first category, the user is requested to take the initiative to perform a certain violating operation as a breach of contract, for example, clicking on a movie without copyright in an application; the second category, the user does not implement the predetermined rules Obligations, such as the user's overdue payment of fees, etc., do not constitute a breach of contract.

In this embodiment, the credit score may be a comprehensive score based on various data such as historical behavior data of the user using the service, or may be an initial score given based on personal attributes, or may be based on the current application scenario sent when the service request is sent. One-time credit score.

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

In this embodiment, the terminal executes corresponding service logic based on the user credit data through the second application client, where the service logic is an operation performed in response to an access request and/or an operation sequence. For example, if user A has a very low credit score and is a high-probability defaulting user, the terminal can execute the shielding logic through the second application client. When the shielding logic is executed, the second application client will not respond to the user's access request , and further may output notification information that characterizes no service provided. For example, if user B has a high credit score and is a low-probability user who violates the predetermined rules, the second application client directly responds to the user B's access request based on the account data of the first application client, and provides user B with the required service.

As an embodiment, the method further includes: obtaining a user label of the account data according to the user credit data and label distribution logic, wherein the user label is used to represent the range of services available for the account data; the The user tag at least includes: a first type of user tag and a second type of user tag, wherein the first type of user tag is used to indicate that the probability of the terminal user corresponding to the account data violating the predetermined rule is within a first range The second type of user label is used to indicate that the probability of the terminal user corresponding to the account data violating the predetermined rule is within a second range of users, wherein the first range is different from the second range; The executing, based on the user credit data, the corresponding service logic of the second application client corresponding to the requested access includes at least one of the following: executing the service logic corresponding to the first type of user tag, shielding For the second application client access request or partially respond to the access request; execute service logic corresponding to the second type of user tag, and partially or fully respond to the access request for the second application client.

In this embodiment, the terminal, through the second application client, gives the user tag of the current access request according to the user credit data and the tag distribution logic. The label distribution logic is a judgment rule for assigning user labels to users based on user credit data. For example, the label distribution logic may include a mapping table, where the mapping table includes the correspondence between the user credit data and the corresponding user label, and the terminal, through the second application client, may obtain the corresponding relationship based on the user credit data and the corresponding relationship. the corresponding user label. The user tags may include multiple types, for example, the user tags may be: compliant users and non-compliant users. The non-observing users may be assigned to users whose probability of complying with a predetermined rule is greater than a predetermined threshold, and the non-observing users may be assigned to users whose non-compliance with the predetermined rule is not greater than a predetermined threshold. In some embodiments, each category of user tags may also be divided into multiple sub-categories of user tags. For example, taking ticket purchase as an example, according to the credit score, the user tags that can be generated may include: "scalper", "the first type of ordinary user" and "the second type of ordinary user". "Scalpers (scalpers refer to some people who have purchased materials or ticket certificates sold at high prices for profit)" have the lowest credit score and the highest probability of violating predetermined rules. The credit rating corresponding to the "first type of ordinary users" is low, and there have been defaults such as refunds. "The second type of ordinary users", the corresponding credit score is the highest, and has never been refunded. In this embodiment, both the “scalpers” and the “first type of ordinary users” may be sub-type user labels of the first type of user label; the “second type of ordinary users” are the second type of users A subclass of label user label. In some embodiments, the user tag may further include: a guaranteed user; the guaranteed user may be a user who has prepaid a security deposit, etc. If this type of user defaults, the prepaid security deposit will provide a guarantee, and the credit score of this type of user Possibly high, another subclass of the second class of user tags.

The user tag at least includes: a first type of user tag and a second type of user tag, wherein the first type of user tag is used to indicate that the probability of the requesting user violating the predetermined rule is within a first range The second type of user label is used to indicate that the probability of the requesting user violating the predetermined rule is within a second range of users, wherein the first range is different from the second range. The user tags in this embodiment include at least a first type of user tag and a second type of user tag. The first type of user tags here may be users who have a very high probability of not complying with the predetermined rule. The second type of users are users who comply with the predetermined rule. In this embodiment, users are divided into two categories, and in the specific implementation process, they may not be limited to the two categories.

In this embodiment, once the user tag is determined, the terminal will execute the service logic corresponding to the user tag through the second application client. For example, the service may be normally provided for the compliant users, while the service may not be provided or only a part of the service may be provided for the non-compliant users.

As an implementation manner, the terminal executes the service logic corresponding to the first type of user tag through the second application client, and shields the service request or partially responds to the service request. If the user tag of the current requesting user is the first type of user tag, the service request of the user can be blocked, and the second application client of the terminal does not provide services to the requesting user, and the service scope obtained by the user is zero at this time. Partial response to the service request, for the service required for incomplete response to the service request, for example, a user whose user tag is the first type of user tag requests to query the information of other users, and the information requested to query includes sensitive information and non-sensitive information The part of responding to the service request here may include: responding only to the query request for non-sensitive information, while shielding the query request for sensitive information.

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

By adopting the technical solutions of the embodiments of the present invention, in the case of requesting access to the second application client based on the account data of the first application client, the server sends the user credit data corresponding to the account data to the second application client of the terminal, so that The second application client of the terminal can execute the corresponding service logic based on the user credit data, so that the terminal can provide corresponding services based on the probability of violating the predetermined rules, thereby reducing the process of obtaining services for users with a high probability of not complying with the predetermined rules. The probability of occurrence of security problems such as information leakage or attack on the service platform caused by the network improves the security and reliability of service provision and service platform.

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

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

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

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

For the above steps in this embodiment, reference may be made to the descriptions in the preceding embodiments, and details are not repeated here.

The information processing method according to the embodiment of the present invention will be described below with reference to specific application scenarios. Fig. 6a and Fig. 6b are respectively schematic diagrams of the interaction flow of the information processing method according to the embodiment of the present invention; as a first interaction manner, as shown in Fig. 6a, the method includes:

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

In practical applications, as an example, a user uses a browser application client to open a web page, for example, the web page is an e-commerce page, or a multimedia playback page (such as a Tencent video page); the user needs to log in to the web page. In order to avoid users needing to enter a lot of information to register and enter a username and password to log in, configure one or more icons of the main application in the login area of the page, such as QQ application icon, WeChat application icon, etc. , so that the user can log in to the webpage with the existing account of the main application. When the user clicks the icon of any main application, the main application client corresponding to the icon of the main application initiates a login request to the browser application client that is the third-party application client.

Step 602: The third-party application client requests a temporary identification from the main application server corresponding to the main application client based on the login request of the main application client. The temporary identification may be a temporary UUID, and the temporary UUID is only valid for this request; or a temporary UUID Valid for a preset time frame (eg five minutes). Wherein, the request message may include the user identification of the main application client; then the temporary identification generated by the main application server corresponds to the user identification of the main application client.

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

Step 604: The third-party application client generates a graphic code based on the temporary ID and the application ID (APP ID), and displays the graphic code. The graphic code may be a two-dimensional code. The application identification code of the QR code is generated and displayed.

Step 605: The third-party application client polls the main application server to obtain information on whether the user confirms the login, and the information carries a temporary identifier; wherein, the order of step 604 and step 605 are not distinguished, and step 604 can be executed first and then executed In step 605, step 605 may be executed first and then step 604 may be executed, or step 604 and step 605 may be executed simultaneously, and the execution order is not limited in this embodiment.

Steps 606 to 607 : the main application client scans the graphic code displayed by the third-party application client to obtain the temporary identification and application identification carried by the graphic code. The main application client has the function of scanning and reading the graphic code. After activating this function, as an implementation manner, the image containing the identification information is obtained by calling the camera, and the temporary identification and the application identification carried by the graphic code in the image are further identified. . For example, the main application client activates the graphic code scanning function and invokes the camera, so that the main application client displays a display interface including a scan frame; when the camera collects image data so that the collected graphic code is in the scan frame, the main application client The terminal scans the collected graphic code based on the graphic code scanning function to obtain the temporary identification and application identification carried by the graphic code. As another implementation manner, the main application client has an OCR function, that is, it directly recognizes the characters in the image containing the graphic code, and further obtains the temporary identifier and the application identifier carried by the graphic code based on the recognized characters.

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

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

Step 610: The third-party application client requests the main application client to confirm the authorization. In practical applications, the display interface based on the main application client can display virtual buttons such as "authorize" and "unauthorized", so that the user can confirm the authorization by clicking the "authorize" virtual button, or the user can confirm the authorization by clicking the "unauthorized" virtual button. authorized.

Step 611: The main application client confirms the authorization to the third-party application client, that is, the user clicks the "authorization" virtual button to confirm that the main application client confirms the authorization to the third-party application client, and the third-party application client is allowed to use the main application client's Account login.

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

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

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

Step 615: The main application server determines the user identity of the corresponding main application client based on the temporary identity in the request, and obtains corresponding user credit data based on the user identity, such as user credit rating and/or user credit score. . Further, the main application server can also identify and judge based on the user credit data, and judge whether the user credit data represents that the terminal user corresponding to the user ID has a higher probability of violating the predetermined rules, such as user credit data with a lower score or a lower grade. The corresponding terminal user has a high probability of violating the predetermined rule; when it is determined that the user credit data represents a high probability that the terminal user corresponding to the user ID violates the predetermined rule, the main application server can generate prompt information, which indicates that the terminal user violates the predetermined rule. The probability of rules is high, and the provision of services has certain risks.

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

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

As another interactive manner, as shown in FIG. 6b, steps 601 to 608 may refer to the relevant descriptions in FIG. 6a, which will not be repeated here. After step 608, the steps further include:

Step 609': the main application server determines the user identity of the corresponding main application client based on the temporary identity carried in the notification request of step 608, and obtains corresponding user credit data based on the user identity, such as the user credit rating and the user credit data. / or user credit score. Further, the main application server can also identify and judge based on the user credit data, and judge whether the user credit data represents that the terminal user corresponding to the user ID has a higher probability of violating the predetermined rules, such as user credit data with a lower score or a lower grade. The corresponding terminal user has a high probability of violating the predetermined rule; when it is determined that the user credit data represents a high probability that the terminal user corresponding to the user ID violates the predetermined rule, the main application server can generate prompt information, which indicates that the terminal user violates the predetermined rule. The probability of rules is high, and the provision of services has certain risks.

Step 610': Based on the notification message, the main application server returns authorization information and an access token (access token) to the third-party application client, as well as prompt information carrying user credit data or indicating low credit.

Step 611': The third-party application client requests the main application client to confirm the authorization. In practical applications, the display interface based on the main application client can display virtual buttons such as "authorize" and "unauthorized", so that the user can confirm the authorization by clicking the "authorize" virtual button, or the user can confirm the authorization by clicking the "unauthorized" virtual button. authorized.

Step 612': the main application client confirms authorization to the third-party application client, that is, the user clicks the "authorization" virtual button to determine that the main application client confirms authorization to the third-party application client, and the third-party application client allows the use of the main application client account to log in.

Step 613': After confirming the authorization, the third-party application client requests the main application server to obtain user information, and the request includes information such as temporary identification, access token, application identification, etc., and the main application server can determine the corresponding information based on the temporary identification in the request. The user identity of the main application client is obtained, and the user information corresponding to the user identity is obtained based on the user identity, and the user information is returned to the third-party application client.

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

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

The embodiment of the present invention also provides a server. FIG. 7 is a schematic diagram of a composition structure of a server according to an embodiment of the present invention. As shown in FIG. 7 , the server includes: a first communication unit 71 , a first acquisition unit 72 and a second communication unit 73 ; the first communication unit 73 ; Unit 71, configured to obtain a first message from a first terminal including the first application client based on requesting access to a second application client based on account data of the first application client; the first message includes the first application client the user identity corresponding to the account data of the terminal; the first obtaining unit 72 is configured to obtain user credit data associated with the user identity; the user credit data is used to represent the terminal user corresponding to the user identity the probability of violating a predetermined rule; the second communication unit 73 is configured to send the user credit data obtained by the first obtaining unit 72 to the second terminal including the second application client, so that the first The second application client of the two terminals executes corresponding service logic based on the user credit data.

In one embodiment, the second communication unit 73 is configured to send the user credit data in response to a confirmation message obtained by representing authorization to access the second application client with the account data of the first application client. to the second application client.

In one embodiment, the first communication unit 71 is configured to identify the identification information output by the second terminal through the second application client based on the first terminal reading through the first application client. , and obtain a first message from the first terminal, where the first message includes the user identity identifier and the assigned temporary identifier.

As an implementation manner, FIG. 8 is another schematic diagram of the composition structure of the server according to the embodiment of the present invention. As shown in FIG. 8 , the server further includes a collection unit 74 and a second acquisition unit 75 ; wherein, the collection unit 74, configured to collect behavior data corresponding to the account data, where the behavior data includes Internet-based online behavior data and offline behavior data; the second acquisition unit 75, configured to collect according to the collection unit 74 The first feature variable of the account data is obtained from the behavior data of the data; wherein, the data analysis model is used to output user credit data according to the first characteristic variable.

In this embodiment, the second obtaining unit 75 is configured to obtain a second characteristic variable, wherein the second characteristic variable is used to represent the behavior characteristics of a plurality of other account data associated with the account data; Inputting the first characteristic variable and the second characteristic variable into the data analysis model, wherein the data analysis model is further configured to output the user according to the first characteristic variable and the second characteristic variable credit data.

In this embodiment, the second obtaining unit 75 is configured to divide the behavior data into multiple categories; establish a sub-model for each of the multiple categories, wherein each sub-model is used for A first sub-value is output according to the first characteristic variable and/or the second characteristic variable, wherein the first sub-value is used to represent the behavior of the account data under the category corresponding to the sub-model The probability value of not satisfying the preset condition; constructing multiple sub-models corresponding to the multiple categories as the data analysis model.

In this embodiment of the present invention, the first acquisition unit 72 , the acquisition unit 74 , and the second acquisition unit 75 in the server can all be composed of a central processing unit (CPU, Central Processing Unit), a digital Signal processor (DSP, Digital Signal Processor), Microcontroller Unit (MCU, Microcontroller Unit) or Programmable Gate Array (FPGA, Field-Programmable Gate Array) implementation; the first communication unit 71 and the second communication unit in the server 73. In practical applications, it can be implemented through communication modules (including: basic communication suites, operating systems, communication modules, standardized interfaces and protocols, etc.) and transceiver antennas.

It should be noted that: when the server provided in the above embodiment performs information processing, only the division of the above program modules is used as an example. The internal structure is divided into different program modules to complete all or part of the processing described above. In addition, the server provided by the above embodiments and the information processing method embodiments belong to the same concept, and the specific implementation process thereof is detailed in the method embodiments, which will not be repeated here.

The embodiment of the present invention also provides a terminal. FIG. 9 is a schematic structural diagram of a terminal according to an embodiment of the present invention. As shown in FIG. 9 , the terminal includes: a third communication unit 81 and an execution unit 82 ; the third communication unit 81 is configured based on the first The account data of an application client accesses the second application client, and obtains user credit data corresponding to the account data of the first application client, where the user credit data is used to indicate that the terminal user corresponding to the user ID violates predetermined rules. probability; the executing unit 82 is configured to execute corresponding service logic through the second application client based on the user credit data obtained by the third communication unit 81 .

In one embodiment, the execution unit 82 is further configured to obtain a user tag of the account data according to the user credit data and the tag distribution logic, wherein the user tag is used to represent the available service scope of the account data. ; The user label at least includes: a first type of user label and a second type of user label, wherein the first type of user label is used to indicate that the probability of the terminal user corresponding to the account data violating the predetermined rule is located in the first type of user label. Users within a range; the second type of user label is used to indicate that the probability of the end user corresponding to the account data violating the predetermined rule is within a second range of users, wherein the first range is different from the first range Two scopes; it is also configured to execute corresponding service logic based on the user credit data, including at least one of the following: executing the service logic corresponding to the first type of user tag, shielding access requests or partially responding to access requests; executing and The service logic corresponding to the second type of user tag partially or fully responds to the access request.

In one embodiment, the terminal further includes an output unit; the third communication unit 81 is configured to access the second application client with the account data of the first application client based on the request of the terminal or another terminal, Request and obtain a temporary identifier from the server through the second application client; the server is a server corresponding to the first application client; the output unit is configured to output identification information including the temporary identifier; the third The communication unit 81 is further configured to identify the identification information based on the terminal or the other terminal reading the identification information through the first application client, and to request the server based on the terminal or the other terminal to request The account data of the first application client accesses the second application client, and user credit data corresponding to the account data from the server is obtained through the second application client.

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

It should be noted that: when the terminal provided in the above embodiment performs information processing, only the division of the above program modules is used as an example for illustration. The internal structure is divided into different program modules to complete all or part of the processing described above. In addition, the terminal and the information processing method embodiments provided by the above embodiments belong to the same concept, and the specific implementation process thereof is detailed in the method embodiments, which will not be repeated here.

An embodiment of the present invention further provides a server, and FIG. 10 is a schematic diagram of a hardware structure of the server according to an embodiment of the present invention; as shown in FIG. The computer program running on 91 also includes a power supply component and a communication component 93 , and the various components are coupled together through a bus system 94 . It will be appreciated that the bus system 94 is used to implement the connection communication between these components. In addition to the data bus, the bus system 94 also includes a power bus, a control bus and a status signal bus. However, for the sake of clarity, the various buses are designated as bus system 94 in FIG. 10 .

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

The processor 91 may be an integrated circuit chip with signal processing capability. In the implementation process, each step of the above-mentioned method can be completed by a hardware integrated logic circuit in the processor 91 or an instruction in the form of software. The above-mentioned processor 91 may be a general-purpose processor, a DSP, or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, and the like. The processor 91 may implement or execute the methods, steps, and logical block diagrams disclosed in the embodiments of the present invention. A general purpose processor may be a microprocessor or any conventional processor or the like. The steps of the method disclosed in combination with the embodiments of the present invention can be directly embodied as being executed by a hardware decoding processor, or executed by a combination of hardware and software modules in the decoding processor. The software module may be located in a storage medium, and the storage medium is located in the memory 92, and the processor 91 reads the information in the memory 92, and completes the steps of the foregoing method in combination with its hardware.

In this embodiment, when the processor 91 executes the program, it realizes: based on accessing the second application client with the account data of the first application client, the first message from the first terminal including the first application client is obtained. ; the first message includes the user identity corresponding to the account data of the first application client; obtain the user credit data associated with the user identity, and send the user credit data to the application including the second application The second terminal of the client, so that the second application client of the second terminal executes the corresponding service logic based on the user credit data; the user credit data is used to indicate that the terminal user corresponding to the user ID violates the predetermined the probability of the rule.

As an implementation manner, when the processor 91 executes the program, it realizes: in response to the obtained confirmation message that represents authorization to access the second application client with the account data of the first application client, the user credit Data is sent to the second application client.

As an implementation manner, when the processor 91 executes the program, it realizes: based on the first terminal reading through the first application client and identifying the output of the second terminal through the second application client identification information, and obtain a first message from the first terminal, where the first message includes the user identification and the assigned temporary identification.

As an implementation manner, when the processor 91 executes the program, it further implements: collecting behavior data corresponding to the account data, where the behavior data includes Internet-based online behavior data and offline behavior data; Obtaining the first feature variable of the account data from the behavior data, wherein the first feature variable is used to represent the behavior feature of the account data; inputting the first feature variable into a data analysis model to obtain user credit data; Wherein, the data analysis model is used to output user credit data according to the first characteristic variable.

As an implementation manner, when the processor 91 executes the program, it further implements: acquiring a second feature variable, where the second feature variable is used to represent multiple other account data that are associated with the account data The behavioral characteristics of the The user credit data is output.

As an implementation manner, when executing the program, the processor 91 further implements: dividing the behavior data into multiple categories; establishing a sub-model for each of the multiple categories, wherein each The sub-models are used to output a first sub-value according to the first characteristic variable and/or the second characteristic variable, wherein the first sub-value is used to indicate that under the category corresponding to the sub-model, the A probability value that the behavior of the account data does not satisfy the preset condition; and constructing multiple sub-models corresponding to the multiple categories as the data analysis model.

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

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

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

As an implementation manner, when the processor 801 executes the program, it realizes: according to the user credit data and the label distribution logic, the user label of the account data is obtained, wherein the user label is used to represent the account number The data can obtain the service scope; the user tag includes at least: a first type of user tag and a second type of user tag, wherein the first type of user tag is used to indicate that the end user corresponding to the account data violates the predetermined Users whose probability of the rule is within the first range; the second type of user label is used to indicate that the probability of the terminal user corresponding to the account data violating the predetermined rule is within the second range, wherein the first range different from the second scope; and executing, based on the user credit data, corresponding service logic of the second application client corresponding to the requested access, including at least one of the following: executing an operation related to the first category The service logic corresponding to the user tag, shields the access request or partially responds to the access request for the second application client; executes the service logic corresponding to the second type of user tag, and partially or fully responds to the second application client. access request.

As an implementation manner, when the processor 801 executes the program, it realizes: based on a request from the terminal or another terminal to access the second application client with the account data of the first application client, the terminal uses the The second application client requests and obtains a temporary identification from the server, and outputs identification information including the temporary identification; the server is the server corresponding to the first application client; based on the terminal or the other terminal through the first application client An application client reads and identifies the identification information, and based on the terminal or the other terminal requesting the server to access the second application client with the account data of the first application client, the terminal Obtain user credit data corresponding to the account data from the server through the second application client.

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

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

As an implementation manner, when the instruction is executed by the processor, the processor implements: in response to the obtained confirmation message representing authorization to access the second application client with the account data of the first application client, sending the user credit data to the second application client.

As an implementation manner, when the instruction is executed by the processor, it is implemented: based on the first terminal reading through the first application client the identification information that identifies the output of the second terminal through the second application client, A first message from the first terminal is obtained, the first message including the user identity and the assigned temporary identity.

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

As an implementation manner, when the instruction is executed by the processor, it further implements: acquiring a second feature variable, where the second feature variable is used to represent behavior features of multiple other account data that are associated with the account data ; Input the first characteristic variable and the second characteristic variable into the data analysis model, wherein the data analysis model is also used for outputting the data according to the first characteristic variable and the second characteristic variable User credit data.

As an implementation manner, when the instruction is executed by the processor, it further implements: dividing the behavior data into multiple categories; establishing a sub-model for each of the multiple categories, wherein each sub-model uses to output a first sub-value according to the first characteristic variable and/or the second characteristic variable, wherein the first sub-value is used to indicate that under the category corresponding to the sub-model, the value of the account data is The probability value that the behavior does not meet the preset condition; and constructing multiple sub-models corresponding to the multiple categories as the data analysis model.

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

The computer storage medium provided by the embodiment of the present invention stores computer instructions thereon, and when the instructions are executed by the processor, implements: based on requesting access to the second application client with account data of the first application client, obtaining the first application client User credit data corresponding to the account data of the terminal, the user credit data is used to represent the probability that the terminal user corresponding to the user ID violates the predetermined rule; based on the user credit data, the second application client executes the corresponding service logic.

As an implementation manner, when the instruction is executed by the processor, the instruction further implements: obtaining the user tag of the account data according to the user credit data and the tag distribution logic, wherein the user tag is used to represent that the account data can be Obtain the service scope; the user tag includes at least: a first type of user tag and a second type of user tag, wherein the first type of user tag is used to indicate that the end user corresponding to the account data violates the predetermined rule. Users whose probability is within the first range; the second type of user label is used to indicate that the probability that the terminal user corresponding to the account data violates the predetermined rule is within the second range, wherein the first range is different from the second scope; and, based on the user credit data, executing the corresponding service logic of the second application client corresponding to the requested access, including at least one of the following: executing a tag associated with the first type of user Corresponding service logic, shielding access requests for the second application client or partially responding to access requests; executing service logic corresponding to the second type of user tag, partially or fully responding to the access requests for the second application client .

As an implementation manner, when the instruction is executed by the processor, the instruction further implements: based on a request from the terminal or another terminal to access a second application client with account data of the first application client, the terminal uses the second application client to access the second application client. The application client requests and obtains a temporary identification from the server, and outputs identification information including the temporary identification; the server is a server corresponding to the first application client; based on the terminal or the other terminal, the first application The client reads and identifies the identification information, and based on the terminal or the other terminal requesting the server to access the second application client with the account data of the first application client, the terminal uses the The second application client obtains user credit data corresponding to the account data from the server.

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

In one embodiment, the server is configured to send the user credit data to the first application client in response to the obtained confirmation message representing authorization to access the second application client with the account data of the first application client. 2. Application client.

In an embodiment, the server is configured to obtain the identification information from the first terminal through the first application client and identify the identification information output by the second terminal through the second application client. the first message of the first terminal, where the first message includes the user identity identifier and the temporary identifier allocated by the server.

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

In one embodiment, the server is configured to obtain a second feature variable, wherein the second feature variable is used to represent the behavioral features of multiple other account data that have an associated relationship with the account data; The first characteristic variable and the second characteristic variable are input to the data analysis model, wherein the data analysis model is further configured to output the user credit data according to the first characteristic variable and the second characteristic variable.

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

In one embodiment, the terminal is further configured to obtain a user label of the account data according to the user credit data and label distribution logic, wherein the user label is used to represent the range of services available for the account data. ; The user label at least includes: a first type of user label and a second type of user label, wherein the first type of user label is used to indicate that the probability of the terminal user corresponding to the account data violating the predetermined rule is located in the first type of user label. Users within a range; the second type of user label is used to indicate that the probability of the end user corresponding to the account data violating the predetermined rule is within a second range of users, wherein the first range is different from the first range Two scopes; the executing the corresponding service logic of the second application client corresponding to the requested access based on the user credit data includes at least one of the following: executing a service corresponding to the first type of user tag logic, shielding access requests for the second application client or partially responding to the access requests; executing service logic corresponding to the second type of user tag, partially or fully responding to the access requests for the second application client.

In an embodiment, the terminal is further configured to access a second application client with account data of the first application client based on a request by the terminal or another terminal, and the terminal uses the second application client Request and obtain a temporary identification from the server, and output identification information including the temporary identification; the server is a server corresponding to the first application client; based on the terminal or the other terminal reading through the first application client obtain and identify the identification information, and access the second application client with the account data of the first application client based on the terminal or the other terminal requesting the server to access the second application client, and the terminal uses the second application client to access the second application client. The application client obtains user credit data corresponding to the account data from the server.

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

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

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

Those of ordinary skill in the art can understand that all or part of the steps of implementing the above method embodiments can be completed by program instructions related to hardware, the aforementioned program can be stored in a computer-readable storage medium, and when the program is executed, execute It includes the steps of the above method embodiments; and the aforementioned storage medium includes: a removable storage device, a ROM, a RAM, a magnetic disk or an optical disk and other media that can store program codes.

Alternatively, if the above-mentioned integrated unit of the present invention is implemented in the form of a software function module and sold or used as an independent product, it may also be stored in a computer-readable storage medium. Based on this understanding, the technical solutions of the embodiments of the present invention may be embodied in the form of software products in essence or the parts that make contributions to the prior art. The computer software products are stored in a storage medium and include several instructions for A computer device (which may be a personal computer, a server, or a network device, etc.) is caused to execute all or part of the methods described in the various embodiments of the present invention. The aforementioned storage medium includes: a removable storage device, a ROM, a RAM, a magnetic disk or an optical disk and other mediums that can store program codes.

The above are only specific embodiments of the present invention, but the protection scope of the present invention is not limited thereto. Any person skilled in the art can easily think of changes or substitutions within the technical scope disclosed by the present invention. should be included within the protection scope of the present invention. Therefore, the protection scope of the present invention should be based on the protection scope of the claims.

Claims (19)

1. An information processing method, which is applied to a server to which a first application client belongs, includes:

acquiring behavior data corresponding to account data of the first application client, wherein the behavior data comprises internet-based online behavior data and internet-based offline behavior data;

acquiring a first characteristic variable of the account data according to the behavior data, wherein the first characteristic variable is used for representing the behavior characteristic of the account data;

inputting the first characteristic variable into a data analysis model to obtain user credit data; wherein the data analysis model is used for outputting user credit data according to the first characteristic variable;

requesting to access a second application client based on account data of the first application client, and obtaining a first message from a first terminal comprising the first application client; the first message comprises a user identity corresponding to the account data of the first application client;

obtaining user credit data associated with the user identity, and sending the user credit data to a second terminal comprising the second application client so as to enable the second application client of the second terminal to execute corresponding service logic based on the user credit data;

the user credit data is used for representing the probability that the end user corresponding to the user identity mark violates the preset rule.

2. The method of claim 1, wherein the transmitting the user credit data to a second terminal comprising the second application client comprises:

sending the user credit data to the second application client in response to an acknowledgement message obtained characterizing authorization to access the second application client with account data of the first application client.

3. The method of claim 1, wherein the obtaining a first message from a first terminal comprising the first application client based on requesting access to a second application client with account data of the first application client comprises:

and obtaining a first message from the first terminal based on the first terminal reading and identifying the identification information output by the second terminal through the second application client through the first application client, wherein the first message comprises the user identity identification and the temporary identification distributed by the server.

4. The method of claim 1, wherein said inputting the first feature variable into a data analysis model comprises:

acquiring a second characteristic variable, wherein the second characteristic variable is used for representing behavior characteristics of a plurality of other account data having an association relationship with the account data;

inputting the first characteristic variable and the second characteristic variable into the data analysis model, wherein the data analysis model is further configured to output the user credit data according to the first characteristic variable and the second characteristic variable.

5. The method of claim 4, wherein prior to inputting the first and second characteristic variables to the data analysis model, the method further comprises:

dividing the behavioral data into a plurality of categories;

respectively establishing a sub-model for each category in the categories, wherein each sub-model is used for outputting a first sub-value according to the first characteristic variable and/or the second characteristic variable, and the first sub-value is used for indicating a probability value that the behavior of the account data does not meet a preset condition under the category corresponding to the sub-model;

and constructing a plurality of sub models corresponding to the plurality of categories as the data analysis model.

6. An information processing method applied to a terminal running a second application client, the method comprising:

based on the account data request of a first application client, accessing a second application client, and obtaining user credit data corresponding to the account data of the first application client, wherein the user credit data is used for representing the probability that an end user corresponding to the user identity mark violates a predetermined rule;

obtaining a user label of the account data according to the user credit data and label distribution logic, wherein the user label is used for representing an available service range of the account data;

the user tag at least comprises: the first type of user tags are used for indicating users of which the probability that the terminal users corresponding to the account data violate the predetermined rule is within a first range; the second type of user tag is used for indicating that the probability that the terminal user corresponding to the account data violates the predetermined rule is within a second range, wherein the first range is different from the second range;

executing service logic corresponding to the first class of user tags, and shielding access requests or partial response access requests aiming at the second application client; or executing service logic corresponding to the second type of user tags, and responding to the access request aiming at the second application client partially or completely.

7. The method of claim 6, wherein obtaining user credit data corresponding to account data of a first application client based on requesting access to a second application client with account data of the first application client comprises:

requesting to access a second application client by account data of the first application client based on the terminal or another terminal, wherein the terminal requests and obtains a temporary identifier from a server through the second application client, and outputs identifier information comprising the temporary identifier; the server is a server corresponding to the first application client;

and based on the terminal or the other terminal reading and identifying the identification information through the first application client, and based on the terminal or the other terminal requesting the server to access the second application client by the account data of the first application client, the terminal obtains the user credit data corresponding to the account data from the server through the second application client.

8. An information processing method, the method comprising:

the method comprises the steps that a server collects behavior data corresponding to account data of a first application client, wherein the behavior data comprise online behavior data and offline behavior data based on the Internet;

the server acquires a first characteristic variable of the account data according to the behavior data, wherein the first characteristic variable is used for representing the behavior characteristic of the account data;

the server inputs the first characteristic variable into a data analysis model to obtain user credit data; wherein the data analysis model is used for outputting user credit data according to the first characteristic variable;

based on requesting access to a second application client with account data of the first application client, the server obtaining a first message from a first terminal comprising the first application client; the first message comprises a user identity corresponding to account data of the first application client;

the server obtains user credit data associated with the user identity and sends the user credit data to a second terminal comprising the second application client; the user credit data is used for representing the probability that the terminal user corresponding to the user identity label violates a preset rule;

and based on the user credit data, the second terminal executes corresponding service logic through the second application client.

9. A server, the server comprising: the system comprises an acquisition unit, a second acquisition unit, a first communication unit, a first acquisition unit and a second communication unit;

the acquisition unit is configured to acquire behavior data corresponding to account data of the first application client, wherein the behavior data comprises internet-based online behavior data and internet-based offline behavior data;

the second obtaining unit is configured to obtain a first characteristic variable of the account data according to the behavior data collected by the collecting unit, wherein the first characteristic variable is used for representing a behavior characteristic of the account data; inputting the first characteristic variable into a data analysis model to obtain user credit data; wherein the data analysis model is used for outputting user credit data according to the first characteristic variable;

the first communication unit is configured to request to access a second application client based on account data of a first application client, and obtain a first message from a first terminal including the first application client; the first message comprises a user identity corresponding to the account data of the first application client;

the first acquisition unit is configured to acquire user credit data associated with the user identity; the user credit data is used for representing the probability that the terminal user corresponding to the user identity label violates a preset rule;

the second communication unit is configured to send the user credit data obtained by the first obtaining unit to a second terminal including the second application client, so that the second application client of the second terminal executes corresponding service logic based on the user credit data.

10. The server according to claim 9, wherein the second communication unit is configured to send the user credit data to the second application client in response to a confirmation message obtained characterizing an authorization to access the second application client with account data of the first application client.

11. The server according to claim 9, wherein the first communication unit is configured to obtain a first message from the first terminal based on the first terminal reading, through the first application client, identification information identifying that the second terminal outputs through the second application client, and the first message includes the user identity and the assigned temporary identifier.

12. The server according to claim 9, wherein the second obtaining unit is configured to obtain a second characteristic variable, where the second characteristic variable is used to represent a behavior characteristic of a plurality of other account data having an association relationship with the account data; inputting the first characteristic variable and the second characteristic variable into the data analysis model, wherein the data analysis model is further configured to output the user credit data according to the first characteristic variable and the second characteristic variable.

13. The server according to claim 12, wherein the second obtaining unit is configured to divide the behavior data into a plurality of categories; respectively establishing a sub-model for each category in the categories, wherein each sub-model is used for outputting a first sub-value according to the first characteristic variable and/or the second characteristic variable, and the first sub-value is used for indicating a probability value that the behavior of the account data does not meet a preset condition under the category corresponding to the sub-model; and constructing a plurality of sub models corresponding to the plurality of categories as the data analysis model.

14. A terminal, the terminal comprising: a third communication unit and an execution unit;

the third communication unit is configured to access a second application client based on account data of a first application client, and obtain user credit data corresponding to the account data of the first application client, where the user credit data is used to represent a probability that an end user corresponding to the user identity identifier violates a predetermined rule;

the execution unit is configured to obtain a user tag of account data according to the user credit data and tag distribution logic, wherein the user tag is used for representing an available service range of the account data; the user tag at least comprises: the first type of user tags are used for indicating users of which the probability that the terminal users corresponding to the account data violate the predetermined rule is within a first range; the second type of user tag is used for indicating that the probability that the terminal user corresponding to the account data violates the predetermined rule is within a second range, wherein the first range is different from the second range;

the execution unit is further configured to execute the service logic corresponding to the first class of user tags, and shield the access request or partially respond to the access request; or executing service logic corresponding to the second type of user tags, and responding to the access request partially or completely.

15. The terminal of claim 14, wherein the terminal further comprises an output unit;

the third communication unit is configured to access a second application client by using the account data of the first application client based on the request of the terminal or another terminal, and request and obtain a temporary identifier from a server through the second application client; the server is a server corresponding to the first application client;

the output unit is configured to output identification information including the temporary identification;

the third communication unit is further configured to read and identify the identification information through the first application client based on the terminal or the other terminal, and obtain user credit data corresponding to the account data from the server through the second application client based on the terminal or the other terminal requesting the server to access the second application client with the account data of the first application client.

16. A computer storage medium having stored thereon computer instructions which, when executed by a processor, carry out the steps of the information processing method of any one of claims 1 to 5;

alternatively, the instructions, when executed by a processor, implement the steps of the information processing method of any one of claims 6 to 7.

17. A server comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the steps of the information processing method of any one of claims 1 to 5 when executing the program.

18. A terminal comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the steps of the information processing method of any one of claims 6 to 7 when executing the program.

19. An information processing system, the system comprising a server and a terminal;

the server is configured to collect behavior data corresponding to account data of the first application client, wherein the behavior data comprises internet-based online behavior data and internet-based offline behavior data; acquiring a first characteristic variable of the account data according to the behavior data, wherein the first characteristic variable is used for representing the behavior characteristic of the account data; inputting the first characteristic variable into a data analysis model to obtain user credit data; wherein the data analysis model is used for outputting user credit data according to the first characteristic variable;

the server is further configured to obtain a first message from the terminal or another terminal comprising the first application client based on a request for accessing a second application client with account data of the first application client; the first message comprises a user identity corresponding to account data of the first application client; obtaining user credit data associated with the user identity, and sending the user credit data to the terminal comprising the second application client; the user credit data is used for representing the probability that the terminal user corresponding to the user identity label violates a preset rule;

the terminal is configured to execute corresponding service logic through the second application client based on the user credit data.

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