Advanced New Technologies Co., Ltd.

Alibaba Group Holding Limited

Xin Lei

Hongfa Sun

Jian Jiang

Hai Huang

Tao Shen

User data from a received service processing request initiated by a user for processing a service is parsed. Whether the user data is included in a trusted user list or a risky user list stored in a server for processing the service is determined. Whether the user data matches historical behavior data associated with the user based on a behavioral profile comparison rule model if the user data is not included in the trusted user list or the risky user list is determined. A risk type associated with the user data is determined if the user data fails to match the historical behavior data. A risk identification rule model associated with the risk type is determined based on the service requested. Risk identification is performed based on the user data using the determined risk identification rule model. The service is processed by the server based on a result of the risk identification.

Service processing method and apparatus

Implementations of the present disclosure discloses user identity verification method selection method and device. In an implementation, times and corresponding verification methods of successful user identity verifications are recorded, one or more verification methods of successful user identity verifications performed in a predetermined time period based on the recorded times and corresponding verification methods are identified. Whether at least one verification method is included in both the identified one or more verification methods of successful user identity verifications and a list of available verification methods are determined. One or more available verification methods different from the identified one or more verification methods are used for user identity verification if no verification method is included in both the identified one or more verification methods of successful user identity verifications and the list of available verification methods.

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Hangzhou, China

Xin Lei