CN106127463B

CN106127463B - Transfer control method and terminal equipment

Info

Publication number: CN106127463B
Application number: CN201610516544.2A
Authority: CN
Inventors: 梁文栋
Original assignee: Yulong Computer Telecommunication Scientific Shenzhen Co Ltd
Current assignee: Yulong Computer Telecommunication Scientific Shenzhen Co Ltd
Priority date: 2016-06-30
Filing date: 2016-06-30
Publication date: 2020-03-17
Anticipated expiration: 2036-06-30
Also published as: CN106127463A

Abstract

The embodiment of the invention discloses a transfer control method and terminal equipment, wherein the method comprises the following steps: when detecting that a user requests to transfer a reference amount from a target bank card through an online bank transfer function of terminal equipment, judging whether the reference amount is larger than a preset amount; if so, acquiring first type information associated with the target bank card and second type information associated with the current networking number of the terminal equipment; determining a target account-reaching duration and a target account-reaching amount according to the first type of information and the second type of information; and sending a transfer request message carrying the target account arrival duration and the target account arrival amount, and indicating the bank system to transfer the target account arrival amount in the target bank card after the target account arrival duration. The embodiment of the invention also discloses corresponding terminal equipment. The technical scheme provided by the embodiment of the invention can avoid the instant account transfer without any limitation on the internet bank function, is beneficial to improving the traceable duration of large-amount account transfer, improves the probability of dirty money positioning and recovery and improves the account transfer safety.

Description

Transfer control method and terminal equipment

Technical Field

The invention relates to the field of communication, in particular to a transfer control method and terminal equipment.

Background

The important reason why the current telecommunication fraud is rampant lies in the common use of bank cards and internet bank, criminals often purchase bank cards handled by personal identification cards in remote areas as fraudulent money collection accounts, even if police catch the actual owner of the money collection account, the criminals cannot track the money collection account any more, because the owner holding the money collection account has no ability to bear the consequence of lending personal information by himself, the actual fraudsters can transfer fraud funds by using tools such as internet bank on behalf of others at very low cost.

Because the fraud molecules inform the victim that the collection account is the purchased account in the fraud process, after the victim transfers money to the collection account, the fraud molecules urgently need to transfer the stolen money quickly, so that the stolen money flows to be quickly transferred from the collection account and becomes difficult to track and locate, the fraud molecules often use methods such as internet banking, but the person selling the information often cannot use the internet banking at all.

Currently, some application address list blacklist functions can acquire possible fraud numbers marked by an application server through collecting a large amount of user feedback information, and pop up a warning message to prompt that the user call is a possible fraud call when the user mobile phone receives a call request of the marked number, and the short message condition is similar.

Disclosure of Invention

The embodiment of the invention provides a transfer control method and terminal equipment, aiming at limiting the transfer function of a criminal after the criminal cheats to obtain funds of a victim.

A first aspect of an embodiment of the present invention provides a method for controlling account transfer, including:

when detecting that a user requests to transfer a reference amount from a target bank card through an online bank transfer function of terminal equipment, judging whether the reference amount is larger than a preset amount;

if the reference amount is larger than the preset amount, acquiring first type information associated with the target bank card and second type information associated with the current networking number of the terminal equipment;

determining a target account-reaching duration and a target account-reaching amount of the reference amount according to the first type information and the second type information, wherein the target account-reaching amount is smaller than or equal to the reference amount;

and sending a transfer request message carrying the target account arrival duration and the target account arrival amount, wherein the transfer request message is used for indicating a bank system to transfer the target account arrival amount in the target bank card after the target account arrival duration.

With reference to the first aspect, in some possible implementation manners, the determining, according to the first type of information and the second type of information, a target tie-in duration and a target tie-in amount of the reference amount includes:

determining a reference security level of the reference amount transferred out according to the first type of information and the second type of information;

and determining the target account arrival duration and the target account arrival amount corresponding to the reference security level according to the preset mapping relation among the security level, the target account arrival duration and the target account arrival amount.

With reference to the first aspect, in some possible implementations, the first type of information includes a registration address of the target bank card, and the second type of information includes a real-name status of a current networking number of the terminal device;

the determining the target account-reaching duration and the target account-reaching amount of the reference amount according to the first type information and the second type information comprises:

when the fact that the registered address of the target bank card belongs to a preset area and the real-name state of the current networking number is not real-name authentication is detected, determining that the reference security level of the transferred reference amount is a first security level;

when the fact that the registered address of the target bank card does not belong to the preset area and the real-name state of the current networking number is not real-name authentication is detected, determining that the reference security level of the transferred reference amount is a second security level;

when the real-name state of the current networking number is detected to be real-name authentication, determining that the reference security level of the transferred reference amount is a third security level;

the third safety level is higher than the second safety level, the second safety level is higher than the first safety level, the target account-arriving duration of the high safety level is smaller than that of the low safety level, and the target account-arriving amount of the high safety level is larger than that of the low safety level.

In combination with the first aspect, in some possible implementations,

the first type of information comprises registrant information of the target bank card, and the second type of information comprises the real-name state of the current networking number of the terminal equipment;

when detecting that the registrant information of the target bank card belongs to preset registrant information and the real-name state of the current networking number is not real-name authentication, determining that the reference security level of the transferred reference amount is a first security level;

when the fact that the registered address of the target bank card does not belong to the information of the registrant and the real-name state of the current networking number is not real-name authentication is detected, determining that the reference security level of the transferred reference amount is a second security level;

With reference to the first aspect, in some possible implementation manners, when it is determined that the reference security level of the transferred reference amount is the first security level or the second security level, after the sending of the transfer request message carrying the target tie-in duration and the target tie-in amount, the method further includes:

determining the time when the target bank card receives the transferred amount last time and the transfer-out bank card of the transferred amount;

when the interval duration between the time when the target bank card receives the transferred amount last time and the time when the user requests through the internet bank transfer function of the terminal device is detected to be smaller than the preset duration, a reminding message is sent to the number bound by the internet bank function of the transferred bank card, the reminding message is used for reminding the user of the transferred bank card to determine whether to be cheated in a first preset time period, and the target bank card is requested to be frozen under the condition that the cheating is determined, wherein the duration of the first preset time period is smaller than the target account arrival duration.

With reference to the first aspect, in some possible implementations, the target bank card belongs to a preset bank card set; before detecting that the user requests to transfer the reference amount from the target bank card through the online bank transfer function of the terminal equipment, the method further comprises the following steps:

acquiring bank card adding indication information which is sent by the bank system and carries the target bank card information;

adding the target bank card into the preset bank card set;

the bank card adding indication information is generated by the bank system when the bank system judges that the target bank card meets at least one of the following conditions:

the number bound by the online banking function of the target bank card is not authenticated by real name,

The internet surfing time of the number is less than a first preset time threshold,

The service time of the number is less than a second preset time threshold,

The transfer record of the terminal equipment is not stored in the database,

The amount of money transferred to a secondary account by the target bank card is larger than the withdrawal amount of the target bank card,

The time interval between the posting time and the transferring time of the target bank card is smaller than a preset time length, and the transferring frequency of the target bank card is smaller than a preset frequency threshold value.

A second aspect of an embodiment of the present invention provides a transfer control terminal device, including:

the judging unit is used for judging whether the reference amount is larger than the preset amount or not when detecting that a user requests to transfer the reference amount from a target bank card through the online bank transfer function of the terminal equipment;

the acquisition unit is used for acquiring first information associated with the target bank card and second information associated with the current networking number of the terminal equipment if the reference amount is larger than the preset amount;

a determining unit, configured to determine a target account-reaching duration and a target account-reaching amount of the reference amount according to the first type of information and the second type of information, where the target account-reaching amount is less than or equal to the reference amount;

and the sending unit is used for sending a transfer request message carrying the target account arrival duration and the target account arrival amount, and the transfer request message is used for indicating a bank system to transfer the target account arrival amount in the target bank card after the target account arrival duration.

With reference to the second aspect, in some possible implementations, the determining unit is specifically configured to determine, according to the first type of information and the second type of information, a reference security level for transferring the reference amount; and determining the target account arrival duration and the target account arrival amount corresponding to the reference security level according to the preset mapping relation among the security level, the target account arrival duration and the target account arrival amount.

With reference to the second aspect, in some possible implementations, the first type of information includes a registered address of the target bank card, and the second type of information includes a real-name status of a current networking number of the terminal device;

the determining unit is specifically configured to determine that the reference security level of the reference amount is a first security level when it is detected that the registered address of the target bank card belongs to a preset area and the real-name state of the current networking number is non-real-name authentication; when the fact that the registered address of the target bank card does not belong to the preset area and the real-name state of the current networking number is not real-name authentication is detected, determining that the reference security level of the transferred reference amount is a second security level; when the real-name state of the current networking number is detected to be real-name authentication, determining that the reference security level of the transferred reference amount is a third security level; the third safety level is higher than the second safety level, the second safety level is higher than the first safety level, the target account-arriving duration of the high safety level is smaller than that of the low safety level, and the target account-arriving amount of the high safety level is larger than that of the low safety level.

With reference to the second aspect, in some possible implementations, the first type of information includes registrant information of the target bank card, and the second type of information includes a real-name status of a current networking number of the terminal device;

the determining unit is specifically configured to determine that the reference security level of the reference amount is a first security level when it is detected that the registrant information of the target bank card belongs to preset registrant information and the real-name state of the current networking number is non-real-name authentication;

With reference to the second aspect, in some possible implementations, when it is determined that the reference security level for transferring out the reference amount is the first or second security level, the terminal device further includes:

the reminding unit is used for determining the time when the target bank card receives the transferred amount last time and the transferred-out bank card of the transferred amount after the sending unit sends the transfer request message carrying the target account arrival duration and the target account arrival amount; when the interval duration between the time when the target bank card receives the transferred amount last time and the time when the user requests through the internet bank transfer function of the terminal device is detected to be smaller than the preset duration, a reminding message is sent to the number bound by the internet bank function of the transferred bank card, the reminding message is used for reminding the user of the transferred bank card to determine whether to be cheated in a first preset time period, and the target bank card is requested to be frozen under the condition that the cheating is determined, wherein the duration of the first preset time period is smaller than the target account arrival duration.

The target bank card belongs to a preset bank card set; the terminal device further includes:

the information acquisition unit is used for acquiring the bank card adding indication information which is sent by the bank system and carries the information of the target bank card before the judgment unit detects that the user requests to transfer the reference amount from the target bank card through the online bank transfer function of the terminal equipment;

the adding unit is used for adding the target bank card into the preset bank card set;

The service time of the number is less than a second preset time threshold,

The transfer record of the terminal equipment is not stored in the database,

It can be seen that, in the technical solution of the embodiment of the present invention, when it is detected that the user requests to transfer the reference amount from the target bank card through the online banking transfer function of the terminal device, judging whether the reference amount is larger than a preset amount, if so, obtaining a first type of information associated with the target bank card and obtaining a second type of information associated with a current networking number of the terminal device, and determining the target account-reaching duration and the target account-reaching amount of the reference amount according to the first type information and the second type information, wherein the target account-arriving amount is less than or equal to the reference amount, a transfer request message carrying the target account-arriving duration and the target account-arriving amount is sent, and instructing the bank system to transfer the target account amount in the target bank card after the target account time length. Therefore, the embodiment of the invention determines the target account arrival time length based on the determined limit account arrival time length by integrating the information of the bank card and the number information of the terminal equipment, thereby avoiding the instant account transfer without any limit on the internet bank function, being beneficial to improving the traceable time length of large-amount account transfer, improving the probability of positioning and recovering stolen money and improving the safety of the account transfer.

Drawings

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below, and it is obvious that the drawings in the following description are some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to these drawings without creative efforts.

FIG. 1 is a schematic flow diagram of a transfer control method according to a first embodiment of the present invention;

FIG. 2 is a schematic flow chart of a transfer control method according to a second embodiment of the present invention;

FIG. 3 is a schematic flow chart of a transfer control method according to a third embodiment of the present invention;

FIG. 4 is a schematic view showing a configuration of a transfer control terminal device according to a fourth embodiment of the present invention;

fig. 5 is a schematic diagram of a structure of a transfer control terminal device according to a fifth embodiment of the present invention.

Detailed Description

In order to make the technical solutions of the present invention better understood, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some embodiments of the present invention, but not all embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

The terms "first," "second," "third," "fourth," and the like in the description and in the claims, and in the above-described drawings, are used for distinguishing between different objects and not for describing a particular order. Furthermore, "include" and "have" and any variations thereof, are intended to cover non-exclusive inclusions. For example, a process, method, system, article, or apparatus that comprises a list of steps or elements is not limited to only those steps or elements listed, but may alternatively include other steps or elements not listed, or inherent to such process, method, article, or apparatus.

Reference herein to "an embodiment" means that a particular feature, structure, or characteristic described in connection with the embodiment can be included in at least one embodiment of the invention. The appearances of the phrase in various places in the specification are not necessarily all referring to the same embodiment, nor are separate or alternative embodiments mutually exclusive of other embodiments. It is explicitly and implicitly understood by one skilled in the art that the embodiments described herein can be combined with other embodiments.

Referring to fig. 1, fig. 1 is a schematic flow chart of a transfer control method according to a first embodiment of the present invention, and as shown in fig. 1, the transfer control method according to the embodiment of the present invention includes the following steps:

s101, when detecting that a user requests to transfer a reference amount from a target bank card through an online bank transfer function of terminal equipment, judging whether the reference amount is larger than a preset amount.

Specifically, in this embodiment, the user inputs a corresponding transfer request on the internet banking transfer function application or the page of the terminal device, and sends the transfer service request to the server, that is, the user inputs the reference amount in the transfer amount input area on the page displayed by the terminal device.

Before inputting a corresponding transfer request in a corresponding online banking transfer function display page on terminal equipment of a user, the user is required to log in, namely account information of a target bank card initiating the transfer request is logged in, and the related transfer request can be continued only after logging in, so that the service request also carries the account information of the target bank card.

S102, if the reference amount is larger than the preset amount, acquiring first type information associated with the target bank card and acquiring second type information associated with the current networking number of the terminal equipment.

The first type of information associated with the target bank card may be a registered address of the target bank card, or may be registrant information of the target bank card, such as professional information or asset information of a registrant of the target bank card; the second type of information associated with the current networking number of the terminal device may be a real name status of the current networking number of the terminal device.

S103, determining the target account-reaching duration and the target account-reaching amount of the reference amount according to the first type of information and the second type of information, wherein the target account-reaching amount is smaller than or equal to the reference amount.

Specifically, the terminal device may determine a reference security level for transferring the reference amount according to the first type of information and the second type of information, and determine a target account arrival duration and a target account arrival amount corresponding to the reference security level according to a mapping relationship between a preset security level and a target account arrival duration and a target account arrival amount.

Or, the terminal device may determine the target account arrival duration and the target account arrival amount corresponding to the first type of information and the second type of information directly according to the first type of information and the second type of information, and according to a preset mapping relationship between the first type of information and the second type of information, the target account arrival duration and the target account arrival amount.

The target account length may be a sum of a reference account length and a limited account length, where the reference account length is an account length that can be freely selected by a user, for example, an account length within two hours, an account length within two days, and the like. The mobile terminal can determine the account length limit of the reference amount according to the first type of information and the second type of information.

Specifically, when the first type of information includes a registered address of the target bank card, and the second type of information includes a real-name state of a current networking number of the terminal device, when it is detected that the registered address of the target bank card belongs to a preset area and the real-name state of the current networking number is not real-name authentication, determining that a reference security level of the reference amount is transferred as a first security level; when the fact that the registered address of the target bank card does not belong to the preset area and the real-name state of the current networking number is not real-name authentication is detected, determining that the reference security level of the transferred reference amount is a second security level; and when the real-name state of the current networking number is detected to be real-name authentication, determining that the reference security level of the transferred reference amount is a third security level.

For example, an important reason why current telecommunication fraud is rampant is that a bank card is flooded and the internet bank is commonly used, criminals often purchase identity cards of people in remote areas and the bank cards as fraudulent money collection accounts, so that even though police capture the actual owner of the money collection account, the criminals cannot track the actual owner of the money collection account, and the actual fraudster can borrow personal information at low cost to transfer fraud funds by using tools such as the internet bank. Moreover, since the current telephone is authenticated by real name, when the registered address of the target bank card is detected to belong to a preset area (for example, a preset remote area) and the real name state of the current networking number is not authenticated by real name, the reference security level of the reference amount is determined to be the first security level, and the like, the second security level and the third security level are determined. The third safety level is higher than the second safety level, the second safety level is higher than the first safety level, the target account-arriving duration of the high safety level is smaller than that of the low safety level, and the target account-arriving amount of the high safety level is larger than that of the low safety level.

Specifically, when the first type of information includes registrant information of the target bank card, and the second type of information includes a real-name state of a current networking number of the terminal device, determining that a reference security level for transferring the reference amount is a first security level when it is detected that the registrant information of the target bank card belongs to preset registrant information and the real-name state of the current networking number is not real-name authentication; when the fact that the registered address of the target bank card does not belong to the information of the registrant and the real-name state of the current networking number is not real-name authentication is detected, determining that the reference security level of the transferred reference amount is a second security level; and when the real-name state of the current networking number is detected to be real-name authentication, determining that the reference security level of the transferred reference amount is a third security level.

For example, the registrant information may include professional information or asset information of the registrant, and the like. Criminals often purchase identification cards and bank cards of people in remote areas who often do not have a stable occupation or fixed assets as fraudulent collection accounts. Therefore, when the fact that the registrant information of the target bank card belongs to preset registrant information (such as no stable occupation or no fixed assets) and the real-name state of the current networking number is not real-name authentication is detected, the reference security level of the reference amount is determined to be a first security level, and the like, a second security level and a third security level are determined. The third safety level is higher than the second safety level, the second safety level is higher than the first safety level, the target account-arriving duration of the high safety level is smaller than that of the low safety level, and the target account-arriving amount of the high safety level is larger than that of the low safety level.

S104, sending a transfer request message carrying the target account arrival duration and the target account arrival amount, wherein the transfer request message is used for indicating a bank system to transfer the target account arrival amount in the target bank card after the target account arrival duration.

Optionally, in some embodiments of the present invention, when it is determined that the reference security level of the transferred reference amount is the first security level or the second security level, after the transfer request message carrying the target tie-out duration and the target tie-out amount is sent, the terminal device may further perform the following operations:

Optionally, in some embodiments of the present invention, the target bank card belongs to a preset bank card set; before detecting that the user requests to transfer the reference amount from the target bank card through the online bank transfer function of the terminal equipment, the method further comprises the following steps:

adding the target bank card into the preset bank card set;

the number bound by the online banking function of the target bank card is not authenticated by real name, the online time of the number is less than a first preset time threshold value,

The service time of the number is less than a second preset time threshold,

The transfer record of the terminal equipment does not exist in a database, the amount of money transferred to a secondary account by the target bank card is larger than the withdrawal amount of the target bank card, the time interval between the posting time and the transfer time of the target bank card is smaller than a preset time length, and the transfer frequency of the target bank card is smaller than a preset frequency threshold value. Specifically, the number bound by the internet banking function of the target bank card is not authenticated in real name, that is, the telephone is not the telephone of the user, and because the existing telephone is in the real name system, if the existing telephone is not the telephone in real name, the target bank card belongs to a preset bank card set, that is, a dangerous bank card set, and the security index score is reduced. If the mobile phone number is never used for surfing the Internet and the telephone charge is low, the target bank card belongs to a preset bank card set, namely a dangerous bank card set, and the safety index score is reduced; the transfer record of the terminal equipment does not exist in the database, namely whether the number is transferred by a mobile phone or not, if not, a certain risk exists when a large amount of funds are suddenly transferred by internet bank, therefore, the target bank card belongs to a preset bank card set, namely a dangerous bank card set, and the safety index score is reduced; the amount of money transferred to the secondary account by the target bank card is larger than the withdrawal amount of the target bank card, namely, whether money transferred to the secondary account is smaller than the withdrawal amount, if the rapidly transferred money is smaller than the withdrawal amount, the target bank card belongs to a preset bank card set, namely a dangerous bank card set, and the safety index score is reduced; the time interval between the posting time and the transferring time of the target bank card is less than the preset duration, namely the time interval of transferring funds, common people cannot transfer the collected funds immediately, if the transferred funds are the funds immediately, the target bank card belongs to a preset bank card set, namely a dangerous bank card set, and the safety index score is reduced; the transfer frequency of the target bank card is smaller than a preset frequency threshold value or the service life of an account number, if a card holder opens the card, a large amount of money can be paid in and then the card can be immediately transferred away, but the target bank card belongs to a preset bank card set, namely a dangerous bank card set, if the target bank card is not used at ordinary times, and the safety index score is reduced.

Referring to fig. 2, fig. 2 is a schematic flow chart of a transfer control method according to a second embodiment of the present invention, and as shown in fig. 2, the transfer control method according to the embodiment of the present invention includes the following steps:

s201, when detecting that a user requests to transfer a reference amount from a target bank card through an online banking transfer function of a terminal device, judging whether the reference amount is larger than a preset amount.

S202, if the reference amount is larger than the preset amount, acquiring first type information associated with the target bank card and acquiring second type information associated with the current networking number of the terminal equipment.

S203, determining a reference security level of the reference amount according to the first type of information and the second type of information.

The first type of information comprises a registration address of the target bank card, and the second type of information comprises a real-name state of a current networking number of the terminal equipment;

the first type of information may further include registrant information of the target bank card, and the second type of information includes a real-name state of a current networking number of the terminal device;

S204, determining the target account arrival duration and the target account arrival amount corresponding to the reference security level according to the preset mapping relation among the security level, the target account arrival duration and the target account arrival amount.

Wherein the target posting amount is less than or equal to the reference amount.

S205, sending a transfer request message carrying the target account arrival duration and the target account arrival amount, wherein the transfer request message is used for indicating a bank system to transfer the target account arrival amount in the target bank card after the target account arrival duration.

S206, when the reference security level of the transferred reference amount is determined to be the first security level or the second security level, determining the time when the target bank card receives the transferred amount last time and the transferred bank card of the transferred amount.

S207, when the interval duration between the time when the target bank card receives the transfer amount last time and the time when the user requests through the online bank transfer function of the terminal device is detected to be smaller than the preset duration, sending a reminding message to the number bound by the online bank function of the transfer-out bank card, wherein the reminding message is used for reminding the user of the transfer-out bank card to determine whether to be cheated or not in a first preset duration, and requesting to freeze the target bank card under the condition of determining to be cheated, and the duration of the first preset duration is smaller than the target account arrival duration.

Specifically, when a general payee receives a transfer fund, the general payee does not transfer the transfer fund at once, and if the interval duration between the time when a target bank card receives the transfer amount for the last time and the time when a user requests through the internet bank transfer function of the terminal device is detected to be less than the preset duration, the terminal device corresponding to the target bank card sends a reminding message to the number bound to the internet bank function of the transfer-out bank card, or a server receiving the transfer request sends a reminding message to the number bound to the internet bank function of the transfer-out bank card.

For the description of steps S201 to S207 in the embodiment of the present invention, reference may be made to the description of steps S101 to S104 in the first embodiment of the present invention.

Referring to fig. 3, fig. 3 is a schematic flow chart of a transfer control method according to a third embodiment of the present invention, and as shown in fig. 3, the transfer control method according to the embodiment of the present invention includes the following steps:

s301, when detecting that a user requests to transfer a reference amount from a target bank card through an online banking transfer function of a terminal device, judging whether the reference amount is larger than a preset amount.

S302, if the reference amount is larger than the preset amount, acquiring first type information associated with the target bank card and acquiring second type information associated with the current networking number of the terminal equipment.

S303, determining a reference security level of the reference amount according to the first type of information and the second type of information.

and when the real-name state of the current networking number is detected to be real-name authentication, determining that the reference security level of the transferred reference amount is a third security level.

S304, determining the target account-reaching duration corresponding to the reference security level according to the mapping relation between the preset security level and the target account-reaching duration.

Or determining a target account amount corresponding to the reference security level according to a mapping relation between a preset security level and the target account amount, wherein the target account amount is smaller than or equal to the reference amount.

The third safety level is higher than the second safety level, the second safety level is higher than the first safety level, the target account-arriving duration of the high safety level is smaller than that of the low safety level, or the target account-arriving amount of the high safety level is larger than that of the low safety level.

S305, sending a transfer request message carrying the target account arrival duration and the target account arrival amount, wherein the transfer request message is used for indicating a bank system to transfer the target account arrival amount in the target bank card after the target account arrival duration.

S306, when the reference security level of the transferred reference amount is determined to be the first security level or the second security level, determining the time when the target bank card receives the transferred amount last time and the transferred bank card of the transferred amount.

S307, when the interval duration between the time when the target bank card receives the transfer amount last time and the time when the user requests through the online bank transfer function of the terminal device is detected to be smaller than the preset duration, sending a reminding message to the number bound by the online bank function of the transfer-out bank card, wherein the reminding message is used for reminding the user of the transfer-out bank card to determine whether to be cheated or not in a first preset duration, and requesting to freeze the target bank card under the condition of determining to be cheated, and the duration of the first preset duration is smaller than the target account arrival duration.

For the description of steps S301 to S307 in the embodiment of the present invention, reference may be made to the description of steps S101 to S104 in the first embodiment of the present invention.

For convenience of description, only the relevant parts of the embodiments of the present invention are shown, and details of the specific technology are not disclosed.

Referring to fig. 4, fig. 4 is a schematic structural diagram of a transfer control terminal device according to a fourth embodiment of the present invention, and as shown in fig. 4, the transfer control terminal device according to the embodiment of the present invention includes the following units:

the determining unit 401 is configured to determine whether a reference amount is greater than a preset amount when it is detected that a user requests to transfer the reference amount from a target bank card through an online banking transfer function of a terminal device;

an obtaining unit 402, configured to obtain first type information associated with the target bank card and obtain second type information associated with a current networking number of the terminal device if the reference amount is greater than a preset amount;

a determining unit 403, configured to determine a target crediting duration and a target crediting amount of the reference amount according to the first type of information and the second type of information, where the target crediting amount is less than or equal to the reference amount;

a sending unit 404, configured to send a transfer request message carrying the target account arrival duration and the target account arrival amount, where the transfer request message is used to instruct a banking system to transfer the target account arrival amount in the target bank card after the target account arrival duration.

Optionally, the determining unit 403 is specifically configured to determine, according to the first type of information and the second type of information, a reference security level of the reference amount to be transferred out; and determining the target account arrival duration and the target account arrival amount corresponding to the reference security level according to the preset mapping relation among the security level, the target account arrival duration and the target account arrival amount.

Optionally, the first type of information includes a registration address of the target bank card, and the second type of information includes a real-name state of a current networking number of the terminal device;

the determining unit 403 is specifically configured to determine, when it is detected that the registered address of the target bank card belongs to a preset area and the real-name state of the current networking number is non-real-name authentication, that the reference security level of the reference amount is transferred is a first security level; when the fact that the registered address of the target bank card does not belong to the preset area and the real-name state of the current networking number is not real-name authentication is detected, determining that the reference security level of the transferred reference amount is a second security level; when the real-name state of the current networking number is detected to be real-name authentication, determining that the reference security level of the transferred reference amount is a third security level; the third safety level is higher than the second safety level, the second safety level is higher than the first safety level, the target account-arriving duration of the high safety level is smaller than that of the low safety level, and the target account-arriving amount of the high safety level is larger than that of the low safety level.

Optionally, the first type of information includes registrant information of the target bank card, and the second type of information includes a real-name state of a current networking number of the terminal device;

the determining unit 403 is specifically configured to determine, when it is detected that the registrant information of the target bank card belongs to preset registrant information and the real-name state of the current networking number is non-real-name authentication, that the reference security level of the reference amount is transferred out as a first security level;

Optionally, when it is determined that the reference security level of the transferred reference amount is the first or second security level, the terminal device further includes:

a reminding unit 405, configured to determine the time when the target bank card has received the transferred amount last time and the transfer-out bank card of the transferred amount after the sending unit sends the transfer request message carrying the target account arrival duration and the target account arrival amount; when the interval duration between the time when the target bank card receives the transferred amount last time and the time when the user requests through the internet bank transfer function of the terminal device is detected to be smaller than the preset duration, a reminding message is sent to the number bound by the internet bank function of the transferred bank card, the reminding message is used for reminding the user of the transferred bank card to determine whether to be cheated in a first preset time period, and the target bank card is requested to be frozen under the condition that the cheating is determined, wherein the duration of the first preset time period is smaller than the target account arrival duration.

Optionally, the target bank card belongs to a preset bank card set; the terminal device further includes:

an information obtaining unit, configured to obtain, before the determining unit 401 detects that a user requests to transfer a reference amount from a target bank card through an online banking transfer function of a terminal device, bank card addition indication information carrying information of the target bank card sent by the bank system;

The service time of the number is less than a second preset time threshold,

The transfer record of the terminal equipment is not stored in the database,

Specifically, the specific implementation of each unit may refer to the description of the relevant steps in the embodiments corresponding to fig. 1 to fig. 3, which is not described herein again.

Referring to fig. 5, fig. 5 is a schematic structural diagram of a transfer control terminal device according to a fifth embodiment of the present invention. As shown in fig. 5, the transfer control terminal device in the embodiment of the present invention includes: at least one processor 501, e.g. a CPU, at least one receiver 503, at least one memory 504, at least one transmitter 505, at least one communication bus 502. Wherein a communication bus 502 is used to enable connective communication between these components. The receiver 503 and the transmitter 505 of the apparatus in the embodiment of the present invention may be wired transmission ports, or may also be wireless devices, for example, including an antenna apparatus, for performing signaling or data communication with other node devices. The memory 504 may be a high-speed RAM memory or a non-volatile memory (e.g., at least one disk memory). The memory 504 may optionally be at least one storage device located remotely from the processor 501. A set of program codes is stored in the memory 504 and the processor 501 can invoke the codes stored in the memory 504 to perform related functions through the communication bus 502.

The processor 501 is configured to, when it is detected that a user requests to transfer a reference amount from a target bank card through an online banking transfer function of a terminal device, determine whether the reference amount is greater than a preset amount; if the reference amount is larger than the preset amount, acquiring first type information associated with the target bank card and second type information associated with the current networking number of the terminal equipment; determining a target account-reaching duration and a target account-reaching amount of the reference amount according to the first type information and the second type information, wherein the target account-reaching amount is smaller than or equal to the reference amount; and sending a transfer request message carrying the target account arrival duration and the target account arrival amount, wherein the transfer request message is used for indicating a bank system to transfer the target account arrival amount in the target bank card after the target account arrival duration.

Optionally, when the processor 501 is configured to determine the target account length and the target account amount of the reference amount according to the first type of information and the second type of information, it is specifically configured to determine a reference security level for transferring the reference amount according to the first type of information and the second type of information; and determining the target account arrival duration and the target account arrival amount corresponding to the reference security level according to the preset mapping relation among the security level, the target account arrival duration and the target account arrival amount.

the processor 501 is configured to, when determining a target account arrival duration and a target account arrival amount of the reference amount according to the first type of information and the second type of information, specifically, when detecting that the registered address of the target bank card belongs to a preset area and the real-name state of the current networking number is non-real-name authentication, determine that a reference security level of transferring the reference amount is a first security level; when the fact that the registered address of the target bank card does not belong to the preset area and the real-name state of the current networking number is not real-name authentication is detected, determining that the reference security level of the transferred reference amount is a second security level; when the real-name state of the current networking number is detected to be real-name authentication, determining that the reference security level of the transferred reference amount is a third security level; the third safety level is higher than the second safety level, the second safety level is higher than the first safety level, the target account-arriving duration of the high safety level is smaller than that of the low safety level, and the target account-arriving amount of the high safety level is larger than that of the low safety level.

the processor 501 is configured to determine, when determining a target account arrival duration and a target account arrival amount of the reference amount according to the first type of information and the second type of information, specifically, when detecting that the registrant information of the target bank card belongs to preset registrant information and the real-name state of the current networking number is non-real-name authentication, determine that a reference security level of transferring the reference amount is a first security level; when the fact that the registered address of the target bank card does not belong to the information of the registrant and the real-name state of the current networking number is not real-name authentication is detected, determining that the reference security level of the transferred reference amount is a second security level; when the real-name state of the current networking number is detected to be real-name authentication, determining that the reference security level of the transferred reference amount is a third security level; the third safety level is higher than the second safety level, the second safety level is higher than the first safety level, the target account-arriving duration of the high safety level is smaller than that of the low safety level, and the target account-arriving amount of the high safety level is larger than that of the low safety level.

Optionally, when it is determined that the reference security level of the transferred-out reference amount is the first security level or the second security level, the processor 501 may be further configured to determine, after being configured to send a transfer request message carrying the target account arrival duration and the target account arrival amount, a time when the target bank card has received the transferred-in amount last time and a transferred-out bank card of the transferred-in amount; when the interval duration between the time when the target bank card receives the transferred amount last time and the time when the user requests through the internet bank transfer function of the terminal device is detected to be smaller than the preset duration, a reminding message is sent to the number bound by the internet bank function of the transferred bank card, the reminding message is used for reminding the user of the transferred bank card to determine whether to be cheated in a first preset time period, and the target bank card is requested to be frozen under the condition that the cheating is determined, wherein the duration of the first preset time period is smaller than the target account arrival duration.

Optionally, the target bank card belongs to a preset bank card set; before the processor 501 is configured to detect that the user requests to transfer the reference amount from the target bank card through the internet banking transfer function of the terminal device, it may be further configured to:

adding the target bank card into the preset bank card set;

The service time of the number is less than a second preset time threshold,

The transfer record of the terminal equipment is not stored in the database,

An embodiment of the present invention further provides a computer storage medium, where the computer storage medium may store a program, and when the program is executed, the program includes some or all of the steps of any one of the service process monitoring methods described in the above method embodiments.

It should be noted that, for simplicity of description, the above-mentioned method embodiments are described as a series of acts or combination of acts, but those skilled in the art will recognize that the present invention is not limited by the order of acts, as some steps may occur in other orders or concurrently in accordance with the invention. Further, those skilled in the art should also appreciate that the embodiments described in the specification are preferred embodiments and that the acts and elements referred to are not necessarily required to practice the invention.

The order of the steps of the method of the embodiments of the present invention may be adjusted, combined, or deleted according to actual needs. The units of the terminal of the embodiment of the invention can be integrated, further divided or deleted according to actual needs.

In the foregoing embodiments, the descriptions of the respective embodiments have respective emphasis, and for parts that are not described in detail in a certain embodiment, reference may be made to related descriptions of other embodiments.

In the embodiments provided in the present application, it should be understood that the disclosed apparatus may be implemented in other manners. For example, the above-described embodiments of the apparatus are illustrative, and for example, the division of the units is a logical division, and in actual implementation, there may be other divisions, for example, multiple units or components may be combined or may be integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection of some interfaces, devices or units, and may be an electric or other form.

The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.

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

The integrated unit, if implemented in the form of a software functional unit and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned storage medium includes: a U-disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a removable hard disk, a magnetic or optical disk, and other various media capable of storing program codes.

Those skilled in the art will appreciate that all or part of the steps in the methods of the above embodiments may be implemented by associated hardware instructed by a program, which may be stored in a computer-readable storage medium, and the storage medium may include: flash Memory disks, Read-Only memories (ROMs), Random Access Memories (RAMs), magnetic or optical disks, and the like.

The transfer control method and the terminal device provided by the embodiment of the invention are described in detail, a specific example is applied in the text to explain the principle and the implementation of the invention, and the description of the embodiment is only used for helping to understand the method and the core idea of the invention; meanwhile, for a person skilled in the art, according to the idea of the present invention, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present invention.

Claims

1. A method of transfer control, comprising:

sending a transfer request message carrying the target account arrival duration and the target account arrival amount, wherein the transfer request message is used for indicating a bank system to transfer the target account arrival amount in the target bank card after the target account arrival duration;

determining a target account arrival duration and a target account arrival amount corresponding to the reference security level according to a mapping relation between a preset security level and the target account arrival duration and the target account arrival amount;

the first type of information comprises a registered address of the target bank card, and the second type of information comprises a real-name state of a current networking number of the terminal equipment;

the third safety level is higher than the second safety level, the second safety level is higher than the first safety level, the target account-arriving duration of the high safety level is less than that of the low safety level, and the target account-arriving amount of the high safety level is greater than that of the low safety level;

when it is determined that the reference security level of the transferred reference amount is the first security level or the second security level, after the transfer request message carrying the target account-reaching duration and the target account-reaching amount is sent, the method further includes:

when the interval duration between the time when the target bank card receives the transfer amount last time and the time when the user requests through the online bank transfer function of the terminal device is detected to be less than the preset duration, a reminding message is sent to the telephone number bound by the online bank function of the transfer-out bank card, the reminding message is used for reminding the user of the transfer-out bank card to determine whether to be cheated in a first preset duration, and the target bank card is requested to be frozen under the condition that the cheating is determined, wherein the duration of the first preset duration is less than the target account arrival duration.

2. The method according to claim 1, wherein the target bank card belongs to a preset bank card set; before detecting that the user requests to transfer the reference amount from the target bank card through the online bank transfer function of the terminal equipment, the method further comprises the following steps:

adding the target bank card into the preset bank card set;

the telephone number bound by the online banking function of the target bank card is not authenticated by real name,

The internet surfing time of the telephone number bound by the internet banking function of the target bank card is less than a first preset time threshold,

The service time of the telephone number bound by the online banking function of the target bank card is less than a second preset time threshold,

The transfer record of the terminal equipment is not stored in the database,

The amount of money transferred to a secondary account by the target bank card is larger than the withdrawal amount of the target bank card, the time interval between the posting time and the transferring time of the target bank card is smaller than a preset time length, and the transferring frequency of the target bank card is smaller than a preset frequency threshold value.

3. A transfer control terminal device, characterized in that the terminal device comprises:

the sending unit is used for sending a transfer request message carrying the target account arrival duration and the target account arrival amount, and the transfer request message is used for indicating a bank system to transfer the target account arrival amount in the target bank card after the target account arrival duration;

the determining unit is specifically configured to determine a reference security level of the reference amount to be transferred according to the first type of information and the second type of information; determining a target account arrival duration and a target account arrival amount corresponding to the reference security level according to a mapping relation between a preset security level and the target account arrival duration and the target account arrival amount;

the determining unit is specifically configured to determine that the reference security level of the reference amount is a first security level when it is detected that the registered address of the target bank card belongs to a preset area and the real-name state of the current networking number is non-real-name authentication; when the fact that the registered address of the target bank card does not belong to the preset area and the real-name state of the current networking number is not real-name authentication is detected, determining that the reference security level of the transferred reference amount is a second security level; when the real-name state of the current networking number is detected to be real-name authentication, determining that the reference security level of the transferred reference amount is a third security level; the third safety level is higher than the second safety level, the second safety level is higher than the first safety level, the target account-arriving duration of the high safety level is less than that of the low safety level, and the target account-arriving amount of the high safety level is greater than that of the low safety level;

when it is determined that the reference security level of the reference amount is the first or second security level, the terminal device further includes:

the reminding unit is used for determining the time when the target bank card receives the transferred amount last time and the transferred-out bank card of the transferred amount after the sending unit sends the transfer request message carrying the target account arrival duration and the target account arrival amount; when the interval duration between the time when the target bank card receives the transferred amount last time and the time when the user requests through the online bank transfer function of the terminal device is detected to be less than the preset duration, sending a reminding message to the telephone number bound by the online bank function of the transferred bank card, wherein the reminding message is used for reminding the user of the transferred bank card to determine whether to be cheated in a first preset duration, and requesting to freeze the target bank card under the condition of determining to be cheated, and the duration of the first preset duration is less than the target account arrival duration;

the reminding unit is used for determining the time when the target bank card receives the transferred amount last time and the transferred-out bank card of the transferred amount after the sending unit sends the transfer request message carrying the target account arrival duration and the target account arrival amount; when the interval duration between the time when the target bank card receives the transfer amount last time and the time when the user requests through the online bank transfer function of the terminal device is detected to be less than the preset duration, a reminding message is sent to the telephone number bound by the online bank function of the transfer-out bank card, the reminding message is used for reminding the user of the transfer-out bank card to determine whether to be cheated in a first preset duration, and the target bank card is requested to be frozen under the condition that the cheating is determined, wherein the duration of the first preset duration is less than the target account arrival duration.

4. The terminal device according to claim 3, wherein the target bank card belongs to a preset bank card set; the terminal device further includes:

The transfer record of the terminal equipment is not stored in the database,