CN107993006A

CN107993006A - Warning grade determines method, apparatus, equipment and readable storage medium storing program for executing

Info

Publication number: CN107993006A
Application number: CN201711247487.3A
Authority: CN
Inventors: 冯跃东
Original assignee: Ping An Technology Shenzhen Co Ltd
Current assignee: Ping An Technology Shenzhen Co Ltd
Priority date: 2017-11-30
Filing date: 2017-11-30
Publication date: 2018-05-04
Also published as: WO2019104867A1

Abstract

The present invention discloses a kind of warning grade and determines method, apparatus, equipment and readable storage medium storing program for executing, the described method includes：When detecting up to default opportunity, in acquisition system in the register information and blacklist of the first object the second object label information, wherein register information includes type of credential, passport NO. and object oriented；The label information of each second object in the register information and blacklist is matched, determines the matching degree information of each first object；According to the matching degree information, each first object warning grade is determined.This programme to register information and label information by carrying out multi-faceted matching, and according to the difference of both matching degrees, determine different matching degree information, so as to according to this different matching degree information, determine different warning grades, make the definite more accurate of warning grade, and different treatment mechanisms can be used for the first object of different warning grades, realize and accurate operational decision making is carried out according to early warning classification.

Description

Warning grade determines method, apparatus, equipment and readable storage medium storing program for executing

Technical field

The invention mainly relates to financial early warning system technical field, specifically, be related to a kind of warning grade determine method, Device, equipment and readable storage medium storing program for executing.

Background technology

Financial institution is carrying out terrified financing behavior monitoring at present, and the suspicious trading activity of terrified financing is accused of in report, right When suspicious client carries out early warning, using prediction policy be to carry out blacklist page matching, matched side by the way of buying service Formula is single, it is impossible to carries out early warning classification according to the height of matching degree, is unfavorable for being classified progress operational decision making according to early warning, judges Inaccuracy, False Rate are high.

The content of the invention

The main object of the present invention is to provide a kind of warning grade and determines method, apparatus, equipment and readable storage medium storing program for executing, purport Solving the problems, such as that client's early warning is not classified in the prior art.

To achieve the above object, the present invention provides a kind of warning grade and determines method, and the warning grade determines method bag Include following steps：

When detecting up to default opportunity, the second object in the register information and blacklist of the first object in acquisition system Label information, wherein register information include type of credential, passport NO. and object oriented；

The label information of each second object in the register information and blacklist is matched, determines each first object Matching degree information；

According to the matching degree information, each first object warning grade is determined.

Preferably, the label information by each second object in the register information and blacklist is matched, and is determined The step of matching degree information of each first object, includes：

When type of credential presets type of credential for first, judge whether passport NO. is complete；

If the passport NO. is complete, judge that the label information of each second object in blacklist whether there is and the card Piece number code corresponds to target passport NO.；

It is right when the label information of each second object in blacklist has target passport NO. corresponding with the passport NO. Object oriented is matched, and determines the matching degree information of the first object.

Preferably, described that object oriented is matched, the step of matching degree information for determining the first object, includes：

The label information of each second object in object oriented and blacklist is matched completely, and judge object oriented and The label information of each second object carries out whether matching completely succeeds in blacklist；

When the label information of each second object in object oriented and blacklist carries out complete successful match, first pair is determined The matching degree information of elephant is a stage；

When it fails to match completely for the label information progress of each second object in object oriented and blacklist, by object oriented Part matching is carried out with the label information of each second object in blacklist, and in part successful match, determines the first object Matching degree information is two stages.

Preferably, it is described when type of credential presets type of credential for first, judge the whether complete step of passport NO. Include afterwards：

If the passport NO. is imperfect, the label information of each second object in object oriented and blacklist has been carried out Full matching, and judge that the label information of each second object in object oriented and blacklist carries out whether matching completely succeeds；

When the label information of each second object in object oriented and blacklist carries out complete successful match, first pair is determined The matching degree information of elephant is three stages；

When it fails to match completely for the label information progress of each second object in object oriented and blacklist, by object oriented Part matching is carried out with the label information of each second object in blacklist, and in part successful match, determines the first object Matching degree information is four stages.

When type of credential presets type of credential for second, judge whether include the date of birth in register information；

If register information includes the date of birth, judge each second object in blacklist label information whether there is with The passport NO. corresponds to target passport NO.；

It is right when the label information of each second object in blacklist has target passport NO. corresponding with the passport NO. Object oriented is matched, and determines the matching degree information of the first object；

When target passport NO. corresponding with the passport NO. is not present in the label information of each second object in blacklist, The label information of each second object in object oriented, date of birth and blacklist is matched completely, and complete matching into During work(, intermediate degree of the matching degree information of the first object between two level and three-level is determined.

Judging the title font type of the label information of each second object in the font type and blacklist of object oriented is It is no consistent；

When the font type of object oriented is consistent with the title font type of the label information of each second object in blacklist When, object oriented matching is carried out, determines the matching degree information of the first object；

When the title font type of the label information of each second object in the font type and blacklist of object oriented differs During cause, the title font type of the label information of each second object in the font type and blacklist of object oriented is turned Change, and carry out object oriented matching after conversion, determine the matching degree information of the first object.

Preferably, described according to the matching degree information, the step of determining each first object warning grade, includes：

When the matching degree information of the first object is a stage, it is level-one early warning to determine the first object warning grade；

When the matching degree information of the first object is two stages, it is two level early warning to determine the first object warning grade；

When the matching degree information of the first object is three stages, it is three-level early warning to determine the first object warning grade；

When the matching degree information of the first object is four stages, it is level Four early warning to determine the first object warning grade.

In addition, to achieve the above object, the present invention also proposes a kind of warning grade determining device, and the warning grade determines Device includes：

Acquisition module, for when detecting up to default opportunity, the register information of the first object and black name in acquisition system The label information of second object in list, wherein register information include type of credential, passport NO. and object oriented；

Matching module, for the label information of each second object in the register information and blacklist to be matched, really The matching degree information of fixed each first object；

Determining module, for according to the matching degree information, determining each first object warning grade.

In addition, to achieve the above object, the present invention also proposes that a kind of warning grade determines equipment, and the warning grade determines Equipment includes：Memory, processor, communication bus and the warning grade that is stored on the memory determine program；

The communication bus is used for realization the connection communication between processor and memory；

The processor determines program for performing the warning grade, to realize following steps：

In addition, to achieve the above object, the present invention also provides a kind of readable storage medium storing program for executing, the readable storage medium storing program for executing storage Have one either more than one program the one or more programs can be held by one or more than one processor Row for：

The warning grade of the present embodiment determines method, when detecting up to default opportunity, the first object in acquisition system The label information of second object in register information and blacklist, wherein register information include type of credential, passport NO. and right As title；And by the mark of each second object in type of credential, passport NO. and object oriented in this register information and blacklist Note information is matched, and is determined the matching degree information of each first object, so that according to matching degree information, is determined each first pair Client's warning grade of elephant.This programme is by by the type of credential in register information, passport NO. and object oriented and black name The label information of the second object carries out multi-faceted matching in list, and according to matching degree between register information and label information Difference, determines the Different matching degree information of each first object, so that according to this different matching degree information, determines each first The different warning grades of object, make the definite more accurate of warning grade, and can be adopted for the first object of different warning grades With different treatment mechanisms, realize and accurate operational decision making is carried out according to early warning classification.

Brief description of the drawings

Fig. 1 is that the warning grade of the present invention determines the flow diagram of method first embodiment；

Fig. 2 is the high-level schematic functional block diagram of the warning grade determining device first embodiment of the present invention；

Fig. 3 is the device structure schematic diagram for the hardware running environment that present invention method is related to.

The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.

Embodiment

It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.

The present invention provides a kind of warning grade and determines method.

Fig. 1 is refer to, Fig. 1 is the flow diagram that warning grade of the present invention determines method first embodiment.In this implementation In example, the warning grade determines that method includes：

Step S10, when detecting up to default opportunity, in acquisition system the in the register information and blacklist of the first object The label information of two objects, wherein register information include type of credential, passport NO. and object oriented；

For the orderly development that promotes social harmony, financial institution needs to be scanned prison to its transacting customer according to blacklist Survey, judge whether its transacting customer is member in blacklist.Blacklist by relevant department of State Council, mechanism issue terrified group Knit, terrorist's list；Terrified component, the terrorist's list of judicial authority's issue；Listed by UN security Council resolutions Terroristic organization, terrorist's list；People's Bank of China require concern other terroristic organizations, terrorist's suspicion roster with And money laundering molecule list etc. of being accused of of the People's Bank's issue forms.When detecting up to default opportunity, first in acquisition system The label information of second object in the register information and blacklist of object.Advance opportunity is needed to system of financial institution to pre-set Client in system is scanned the time of monitoring, and the first object includes personnel or the mechanism for having business contact with financial institution, i.e., The client of financial institution, such as holds financial institution's deposit card, the personnel of credit card or mechanism legal representative, and with such personnel Or business reception staff or the mechanism of business relations occur for mechanism, are such as transferred accounts by deposit card to a certain personnel or mechanism, this connects It is business reception staff or mechanism to receive a certain personnel to transfer accounts or mechanism.Obtain the register information of this first object, registered letter Breath includes but not limited to type of credential, passport NO. and object oriented etc..When the first object is business reception staff or mechanism Recipient when, register information further includes business reception staff or the country origin belonging to mechanism, and its used financial institution name Claim.Correspondingly, the second object also includes personnel and organizations in blacklist, its label information is as the second object in blacklist The information such as everyone or type of credential, passport NO. and title involved by mechanism or alias.In view of in financial institution The first object can update, the second object in blacklist can also update, thus detection default opportunity include financial institution in When there is newly-increased first object and blacklist renewal.In addition when financial institution system initializes, in fact it could happen that system vulnerability, from And system initialization is also served as into preset time.When detect system initialization, financial institution occur newly-increased first object or When blacklist updates, then obtained from system the type of credential, passport NO. and object oriented of the register information of the first object with And in blacklist the second object label information.

Step S20, the label information of each second object in the register information and blacklist is matched, and determines each The matching degree information of an object；

Understandably, the first object in financial institution and with the first object occur business transaction recipient it is numerous, In the register information and blacklist for obtaining the first object after the label information of the second object, one by one by the certificate in register information The label information of the second object is scanned matching in type, passport NO. and object oriented and blacklist, determines each first The matching degree information of object.Specifically, when default opportunity is system initialization, to the storage client in financial institution with it is black List is scanned matching, the customer quantity that wherein storage client is possessed by financial institution within certain a period of time, that is, The client originally having in financial institution, is capable of the client of secondary development.With when system initialization for causing operates, to existing in system Client is scanned matching, it is ensured that the security of existing client.It is when there is newly-increased client for financial institution on default opportunity, then right Whole clients in system are scanned matching, to ensure the security of newly-increased client and storage client.And when default opportunity is When blacklist updates, then the reception of business transaction occurs from being updated to the storage client in system and blacklist with client Side is scanned matching, to ensure the security of storage client and recipient.It is multiple because being all referred in each register information Form information, so that when being matched with label information, it may appear that the inconsistent situation of matching degree, some register informations and mark The matching degree of information is high, and other then matching degree is low, using the height of this identified matching degree as matching degree Information.

Step S30, according to the matching degree information, determines each first target customer warning grade.

Further, after definite matching degree information, according to matching degree information, determine that each first object early warning is stepped on Note.When the matching degree of matching degree information is higher, illustrate item present in register information and a certain second pair in blacklist The uniformity of the label information of elephant is higher, i.e., this first object more may be the member in blacklist.Correspondingly, work as matching degree When the matching degree of information is lower, then illustrate the one of item present in register information and the label information of the second object in blacklist Cause property is lower, it is lower for the possibility of black list member, so that its warning grade is determined as lower grade.And in matching journey Degree is higher, the first object more may be in blacklist in the case of member its warning grade is determined as it is higher, using characterize its as The first dangerous object, carries out early warning.

Further, on the basis of warning grade of the present invention determines method first embodiment, the second of the present invention is proposed Embodiment, in a second embodiment, the label information progress by each second object in the register information and blacklist Match somebody with somebody, the step of matching degree information for determining each first object includes：

Step S21, when type of credential presets type of credential for first, judges whether passport NO. is complete；

Understandably, the type of credential of the first object includes a variety of, such as identity card, driver's license, passport, business license Deng the information that various certificates are included is different.The present embodiment works as type of credential using identity card as the first default type of credential When presetting type of credential, i.e. identity card for first, the passport NO. for whether including this identity card in register information, and card are judged Whether piece number code is complete, to be matched by complete identification card number.

Step S22, if the passport NO. is complete, judges that the label information of each second object in blacklist whether there is Target passport NO. corresponding with the passport NO.；

When register information includes passport NO., and passport NO. is complete, the mark of each second object in blacklist is judged It whether there is target passport NO. corresponding with this passport NO. in note information, that is, judge to whether there is a certain second in blacklist Object, the passport NO. of this second object are consistent with the passport NO. of the first object.It is related to a generation in view of China's identity card Identity card and China second-generation identity card, generation ID card No. are 15, and China second-generation identity card number is 18.So as to judge identity card During number uniformity, identity card 15 and 18 compatible judges, the 7th of 18 ID card No. the, 8 (is generally born Time) and last position (be probably numeral, it is also possible to x) remove, matched with 15 ID card No..If removing this three 18 ID card No. afterwards can be matched with 15 ID card No., then equally can determine that the mark of each second object in blacklist There is target passport NO. corresponding with the first object passport NO. in note information.

Step S23, when the label information of each second object in blacklist has target certificate corresponding with the passport NO. During number, object oriented is matched, determines the matching degree information of the first object.

When the label information of each second object in blacklist has the of the target passport NO. consistent with this passport NO. During two object flag informations, then the matching of object oriented is further carried out, to determine the matching degree information of the first object.Work as mark Remember information be not present the target passport NO. consistent with this passport NO. label information when, then illustrate in blacklist be not present with The consistent member of first object identity card number, because identity card is the certificate of the first object uniqueness of characterization, so that explainable the An object may not be the member in blacklist, its matching degree is not a highest stage.And to object oriented progress With the step of include：

Step S231, the label information of each second object in object oriented and blacklist is matched completely, and is judged The label information of each second object carries out whether matching completely succeeds in object oriented and blacklist；

Further, exist and the passport NO. in register information in the label information for determining each second object of blacklist During consistent target passport NO., by the label information of each second object in the corresponding object oriented of this passport NO. and blacklist Matched completely.Wherein matching is to the title in blacklist or alias and the whether completely the same progress of object oriented completely Match somebody with somebody, and compatible space, capital and small letter, spcial character, simultaneously for foreign language name, support order of words to overturn.And judge complete With whether succeeding, to determine matching degree information.

Step S232, when the label information of each second object in object oriented and blacklist carries out complete successful match, It is a stage to determine matching degree information；

When the label information for judging each second object in object oriented and blacklist carries out complete successful match, i.e., black name When there is the title or alias completely the same with object oriented in list, then illustrate object oriented be blacklist in member title or Alias.Therefore the passport NO. corresponding to object oriented is also to have this title or the passport NO. of alias member in blacklist, I.e. the object oriented of the first object and passport NO. correspond to the title or alias and certificate number of a certain member in blacklist Code.Object oriented and corresponding passport NO. are present in the label information of blacklist, the matching of register information and label information Degree is high, so that matching degree information is determined as a stage.

Step S233, when it fails to match completely for the label information progress of each second object in object oriented and blacklist, The label information of each second object in object oriented and blacklist is subjected to part matching, and in part successful match, is determined The matching degree information of first object is two stages.

When the label information progress for judging each second object in object oriented and blacklist is complete, it fails to match, that is, marks When the title or alias completely the same with object oriented being not present in information, by each second object in object oriented and blacklist Label information carries out part matching.Part matching is used to whether there is the name consistent with object oriented part in judge mark information Title or alias, in order to improve the accuracy of judgement, setting preset value consistent to part, when consistent is partially larger than this preset value When, ability judging section successful match.In view of the less object oriented of number of words, such as Chinese Name, or partial character are less Foreign language name, if matched using part, can make matched noise too many.Title is directed to so as to the part matching of the present embodiment Middle word number is more than 3 foreign language title, and this word number shoots straight for removing and contributes little word to matching accuracy, As in, at, on, with, for, by, about, to, of, for, from, under, an, the, and, or, company, LIMITED、LTD、CHINA、Hong、Kong、group、TRADING、OVERSEA、INTERNATIONAL、PTE、HOLDING、 HK, IMPORT, EXPORT Co etc..For word number be less than or equal to 3 or Chinese do not use part to match, only carried out Full matching, and this word number can be set according to being actually needed, and be not limited to 3.In addition preset value is to be pre-set according to demand Value, be such as equal to 3, when the foreign language word for judging at least 3 or more than 3 in title is identical, then can determine that portion Divide successful match, otherwise it fails to match for part.When part successful match, because having determined that out the card corresponding to object oriented before this Piece number code is to have this title or the target passport NO. of alias personnel in blacklist label information, and this object oriented and mark Remember that the corresponding title of this passport NO. or alias part are identical in information, so as to be determined as matching degree information to be less than level-one Two stages of degree.And when it fails to match for part, then illustrate corresponding with target passport NO. in blacklist label information Title or alias and the object oriented corresponding to the first object passport NO. are inconsistent, and it fails to match for two stages.

Further, on the basis of warning grade of the present invention determines method second embodiment, the 3rd of the present invention is proposed Embodiment, it is in the third embodiment, described when type of credential presets type of credential for first, judge whether passport NO. is complete The step of after include：

Step S24, if the passport NO. is imperfect, the mark of each second object in object oriented and blacklist is believed Breath matched completely, and judge each second object in object oriented and blacklist label information carry out completely match whether into Work(；

Further, when judging that passport NO. is imperfect, the matching of passport NO. in register information can not be carried out, then Object oriented in register information is matched.The label information of each second object in object oriented and blacklist has been carried out Full matching, and judge whether matching succeeds completely, to determine the matching degree information of the first object.

Step S25, when the label information of each second object in object oriented and blacklist carries out complete successful match, really The matching degree information of fixed first object is three stages；

When the label information for judging each second object in object oriented and blacklist carries out complete successful match, i.e., black name When there is the title or alias completely the same with object oriented in single label information, then illustrate object oriented in blacklist into The title or alias of member.But because the passport NO. corresponding to object oriented is not to have this title or alias personnel in label information Passport NO., the matching degree of register information and label information is relatively low, so that matching degree information is determined as to be less than two level Three stages of degree.

Step S26, will when it fails to match completely for the label information progress of each second object in object oriented and blacklist The label information of each second object carries out part matching in object oriented and blacklist, and in part successful match, determines the The matching degree information of an object is four stages.

When the label information progress for judging each second object in object oriented and blacklist is complete, it fails to match, i.e., black name When the title or alias completely the same with object oriented is not present in single label information, by object oriented and blacklist each the The label information of two objects carries out part matching, whether there is the title consistent with object oriented part in judge mark information Or alias.When judging section successful match, i.e., there is the title or alias consistent with object oriented part in label information, But because the passport NO. corresponding to object oriented is not to have this title or the target passport NO. of alias personnel in label information, And this object oriented is identical with the title in label information or alias part, so as to which matching degree information is determined as being less than Four stages of three stages.And when it fails to match for part, then illustrate that object oriented and passport NO. are not present and mark In information, the failure of level Four matching degree is judged.

Further, on the basis of warning grade of the present invention determines method first embodiment, the 4th of the present invention is proposed Embodiment, in the fourth embodiment, the label information by each second object in register information and blacklist are matched, really The step of matching degree information of fixed each first object, includes：

Step S27, when type of credential presets type of credential for second, judges whether include date of birth in register information Phase；

Further, the present embodiment is using other type of credential outside identity as the second default type of credential, because of other The information that certificate is included includes the versatile of information not as identity card, also be not as comprehensive as its information, may not wrap such as Include the date of birth.So as to the present embodiment when type of credential is other type of credential outside non-identity card, i.e., second presets certificate During type, judge whether include the date of birth in register information, according to the date of birth, to determine the matching degree of each first object Information.

Step S28, if register information includes the date of birth, judging the label information of each second object in blacklist is It is no to there is target passport NO. corresponding with the passport NO.；

When register information includes the date of birth, then judge each second object in blacklist label information whether there is with The corresponding target passport NO. of this passport NO., that is, judge to whether there is a certain member, the passport NO. of this member in blacklist It is consistent with the passport NO. of the first object.When not including the date of birth in register information, then by being matched to object oriented To determine matching degree information, specific matching way is identical with 3rd embodiment, and this will not be repeated here.Therefore type of credential be except As other type of credential outside the identity card of the first default type of credential, such as driver's license or passport, so that when judging, need First to determine to whether there is this type of credential in label information, and corresponding passport NO..When there are this card in label information When type of credential matches in part type, i.e. register information and label information, the mark letter of each second object in blacklist is just carried out Judgement of the breath with the presence or absence of target passport NO. corresponding with the passport NO. of register information.Read the certificate number in register information Code, and the passport NO. of the label information of each second object in itself and blacklist is compared one by one, to be in judge mark information It is no to there is target passport NO. corresponding with this passport NO..

Step S29-1, when the label information of each second object in blacklist is demonstrate,proved in the presence of target corresponding with the passport NO. During piece number code, object oriented is matched, determines the matching degree information of the first object.

When in label information exist the target passport NO. consistent with this passport NO. information about firms when, then further into The matching of row object oriented, to determine the matching degree information of the first object.The step of wherein being matched to object oriented and Second embodiment is identical, and this will not be repeated here.

Step S29-2, when target corresponding with the passport NO. is not present in the label information of each second object in blacklist During passport NO., the label information of each second object in object oriented, date of birth and blacklist is matched completely, and During complete successful match, intermediate degree of the matching degree information of the first object between two level and three-level is determined.

When the label information of the target passport NO. consistent with this passport NO. is not present in blacklist, then illustrate black name The member consistent with the first object other passport NO.s is not present in list, then carries out complete of object oriented and date of birth Match somebody with somebody.The label information of each second object in object oriented and blacklist is matched, in judge mark information whether there is with The completely the same title of object oriented or alias；At the same time by the mark of each second object in the date of birth of the first object and blacklist Note information is matched, and whether there is the date of birth completely the same with the date of birth in judge mark information.Work as label information Middle presence and object oriented, the date of birth is consistent, and this consistent object oriented and date of birth are same in blacklist Member, then can determine that complete successful match, and otherwise it fails to match completely.When complete successful match, because matching is related to object Title and date of birth, are not related to passport NO., and two stages are true by passport NO. and object oriented part successful match It is fixed, the matching of three phases matched completely by object oriented it is definite so that determined by the matching completely of this object oriented and date of birth Intermediate degree with degree between two level and three-level.

It is further, described that object oriented is matched in warning grade of the present invention determines another embodiment of method, The step of determining matching degree information includes：

Step q1, judges the name font of the label information of each second object in the font type and blacklist of object oriented Whether type is consistent；

Understandably, literal type used in different regions has differences, if inland of China is mainly based on simplified Chinese character, And Hongkong and Macro Tai Area is mainly based on the complex form of Chinese characters, so that cause object oriented in financial institution to be simplified Chinese character, and the black name issued Title or alias in list are that object oriented is the complex form of Chinese characters in the complex form of Chinese characters, or financial institution, and the name in the blacklist issued Or alias is referred to as simplified Chinese character, there is the inconsistent situation of the font type of title or alias in object oriented and blacklist.If Matching is scanned on this basis, can be made the reduction of successful match rate, be influenced the judgement of warning grade.Thus the present embodiment is set There is font type transformation mechanism, judge the title of the label information of each second object in the font type and blacklist of object oriented Whether font type is consistent, with according to judging result, it is determined whether needs to carry out font type conversion.

Step q2, when the title font class of the label information of each second object in the font type and blacklist of object oriented When type is consistent, object oriented matching is carried out, determines the matching degree information of the first object；

When the title font class of the label information of each second object in the font type and blacklist for judge object oriented When type is consistent, then both explanations use identical font type, are scanned matching on this basis, do not interfere with warning grade Judgement, so as to carry out object oriented matching operation, to determine the matching degree information of the first object.

Step q3, when the title font class of the label information of each second object in the font type and blacklist of object oriented When type is inconsistent, the title font type of the label information of the second object in the font type and blacklist of object oriented is carried out Conversion, and object oriented matching is carried out after conversion, determine the matching degree information of the first object.

When the title font class of the label information of each second object in the font type and blacklist for judge object oriented When type is inconsistent, then needs to carry out the conversion of font type, the font type of object oriented is converted to and in blacklist second The title font type of the label information of object is consistent, or the title font class by the label information of the second object in blacklist Type is converted to consistent with the font type of object oriented, makes after conversion both font types identical.Specifically, a word can be set Body storehouse, when needing to be changed, searches the font corresponding to the font type changed with needs, to realize word from fontlib The conversion of body type.After font type operations are changed, the matching of object oriented is carried out, determines the matching degree letter of the first object Breath, to avoid the judgement of the differentia influence warning grade because of font type.

Further, it is described to be believed according to the matching degree in warning grade of the present invention determines another embodiment of method The step of ceasing, determining each first object warning grade includes：

Further, it is pre- to be divided into level-one early warning, two level early warning, three-level early warning and level Four by the present embodiment for client's warning grade It is alert.When the matching degree information of the first object is a stage, it is level-one early warning to determine the first object warning grade；When first When the matching degree information of object is two stages, it is two level early warning to determine the first object warning grade；As of the first object When with degree information being three stages, it is three-level early warning to determine the first object warning grade；When the matching degree of the first object is believed Cease for four stages when, it is level Four early warning to determine the first object warning grade.Because the order of matching degree from high to low is level-one Degree, two stages, three stages and four stages, so that the order of corresponding warning grade from high to low is also pre- for level-one Police, two level early warning, three-level early warning and level Four early warning.Level-one early warning matches completely for passport NO. and name, and two level early warning is as evidence Piece number code and name part matching, three-level early warning match completely for name, and level Four early warning matches for name part, level-one early warning Order of severity highest, level Four it is minimum., can be by the first object and corresponding early warning after the first object warning grade is determined Grade reports, and with the difference according to the first object warning grade, takes different treatment mechanisms, such as to level-one warning grade An object takes the mechanism of freezing of funds, takes the first object of two level warning grade the measure etc. of capital rationing.It is poor to realize The treatment mechanism of alienation, is conducive to operational decision making.

In addition, the present invention is additionally provided with directly progress one arrives two level warning grade to the matching of level Four warning grade or one The mechanism matched somebody with somebody, and cannot be matched without warning grade.Specifically, when the first object presets the personnel in list for one kind, One is carried out to match to level Four warning grade；When the first object presets the personnel in list for two classes, carry out one and arrive two level early warning Ratings match.One type, which presets list, to be included：1044- Chinese Government list (English), 44-UN (the United Nations's list)-assets Freeze, 1064-UN (the United Nations's list)-limitation travelling, 1152-FATF/GAFI, -9001- Chinese Government list (Chinese), - 9002- sanction in the whole world Chinese Enterprise Chinese in list (ListID is ' 1044', ' 44' in desirable extension information, ' 1064', ' 1152', ' 33', ' 0', ' 1072' etc.), 33- European Union list (EU), 0- U.S. overseas assets management signature it is single (OFAC), 1072OFAC strengthens list etc..Two classes, which preset list, to be included：1020PEP (global political VIP's list), -9004PEP (in State's political VIP's list), 1021PEP (U.S.'s political VIP's list) etc..It is previously according to need that the default list of one kind and two classes, which preset list, Set, however it is not limited to above-mentioned list.

In addition, refer to Fig. 2, the present invention provides a kind of warning grade determining device, determines to fill in warning grade of the present invention Put in first embodiment, the warning grade determining device includes：

Acquisition module 10, for when detecting up to default opportunity, the register information of the first object and black in acquisition system The label information of second object in list, wherein register information include type of credential, passport NO. and object oriented；

For the orderly development that promotes social harmony, financial institution needs to be scanned prison to its transacting customer according to blacklist Survey, judge whether its transacting customer is member in blacklist.Blacklist by relevant department of State Council, mechanism issue terrified group Knit, terrorist's list；Terrified component, the terrorist's list of judicial authority's issue；Listed by UN security Council resolutions Terroristic organization, terrorist's list；People's Bank of China require concern other terroristic organizations, terrorist's suspicion roster with And money laundering molecule list etc. of being accused of of the People's Bank's issue forms.When detecting up to default opportunity, first in acquisition system The label information of second object in the register information and blacklist of object.Advance opportunity is needed to system of financial institution to pre-set Client in system is scanned the time of monitoring, and the first object includes personnel or the mechanism for having business contact with financial institution, i.e., The client of financial institution, such as holds financial institution's deposit card, the personnel of credit card or mechanism legal representative, and with such personnel Or business reception staff or the mechanism of business relations occur for mechanism, are such as transferred accounts by deposit card to a certain personnel or mechanism, this connects It is business reception staff or mechanism to receive a certain personnel to transfer accounts or mechanism.Obtain the register information of this first object, registered letter Breath includes but not limited to type of credential, passport NO. and object oriented etc..When the first object is business reception staff or mechanism Recipient when, register information further includes business reception staff or the country origin belonging to mechanism, and its used financial institution name Claim.Correspondingly, the second object also includes personnel and organizations in blacklist, its label information is as the second object in blacklist The information such as everyone or type of credential, passport NO. and title involved by mechanism or alias.In view of in financial institution The first object can update, the second object in blacklist can also update, thus detection default opportunity include financial institution in When there is newly-increased first object and blacklist renewal.In addition when financial institution system initializes, in fact it could happen that system vulnerability, from And system initialization is also served as into preset time.When detect system initialization, financial institution occur newly-increased first object or When blacklist updates, acquisition module 10 obtains the type of credential of the register information of the first object, passport NO. and right from system As the label information of the second object in title and blacklist.

Matching module 20, for the label information of each second object in the register information and blacklist to be matched, Determine the matching degree information of each first object；

Understandably, the first object in financial institution and with the first object occur business transaction recipient it is numerous, In the register information and blacklist for obtaining the first object after the label information of the second object, matching module 20 is one by one by registered letter The label information of the second object is scanned matching in type of credential, passport NO. and object oriented and blacklist in breath, Determine the matching degree information of each first object.Specifically, when default opportunity is system initialization, to depositing in financial institution Amount client is scanned with blacklist to be matched, client's number that wherein storage client is possessed by financial institution within certain a period of time Amount, that is, the client originally having in financial institution, the client for being capable of secondary development.It is right with when system initialization for causing operates Existing client is scanned matching in system, it is ensured that the security of existing client.Increased newly when default opportunity for financial institution During client, then matching is scanned to whole clients in system, to ensure the security of newly-increased client and storage client.And work as When default opportunity updates for blacklist, then merchandise from being updated to the storage client in system and blacklist with client The recipient of contact is scanned matching, to ensure the security of storage client and recipient.Because equal in each register information It is related to multiple form informations, so that when being matched with label information, it may appear that the inconsistent situation of matching degree, some registrations Information and the matching degree of label information are high, and other then matching degree is low, the height of this identified matching degree is made For matching degree information.

Determining module 30, for according to the matching degree information, determining each first target customer warning grade.

Further, after definite matching degree information, according to matching degree information, determining module 30 determines each first pair As early warning is registered.When the matching degree of matching degree information is higher, illustrate item present in register information and certain in blacklist The uniformity of the label information of one second object is higher, i.e., this first object more may be the member in blacklist.Correspondingly, work as When the matching degree of matching degree information is lower, then illustrate the mark of item present in register information and the second object in blacklist The uniformity of information is lower, it is lower for the possibility of black list member, so that its warning grade is determined as lower grade.And It is higher in matching degree, the first object more may be in blacklist in the case of member its warning grade is determined as it is higher, with It is characterized as the first dangerous object, carries out early warning.

The warning grade determining device of the present embodiment, when detecting up to default opportunity, in 10 acquisition system of acquisition module The label information of second object in the register information and blacklist of first object, wherein register information include type of credential, certificate Number and object oriented；And by matching module 20 by type of credential, passport NO. and object oriented in this register information Matched with the label information of each second object in blacklist, the matching degree information of each first object is determined, so that really Cover half block 30 determines client's warning grade of each first object according to matching degree information.This programme passes through in register information Type of credential, passport NO. and object oriented and blacklist in the label information of the second object carry out multi-faceted matching, And according to the difference of matching degree between register information and label information, determine the Different matching degree information of each first object, So as to according to this different matching degree information, determine the different warning grades of each first object, make warning grade it is definite more To be accurate, and different treatment mechanisms can be used for the first object of different warning grades, realize and progress is classified according to early warning Accurate operational decision making.

With reference to Fig. 3, Fig. 3 is the device structure schematic diagram for the hardware running environment that present invention method is related to.

Warning grade of the embodiment of the present invention determines that equipment can be PC or smart mobile phone, tablet computer, e-book The terminal devices such as reader, pocket computer.

As shown in figure 3, the warning grade determines that equipment can include：Processor 1001, such as CPU, memory 1005, leads to Believe bus 1002.Wherein, communication bus 1002 is used for realization the connection communication between processor 1001 and memory 1005.Storage Device 1005 can be high-speed RAM memory or the memory (non-volatile memory) of stabilization, such as disk Memory.Memory 1005 optionally can also be the storage device independently of aforementioned processor 1001.

Alternatively, which determines that equipment can also include user interface, network interface, camera, RF (Radio Frequency, radio frequency) circuit, sensor, voicefrequency circuit, WiFi module etc..User interface can include display screen (Display), input unit such as keyboard (Keyboard), optional user interface can also include wireline interface, the nothing of standard Line interface.Network interface can optionally include standard wireline interface and wireless interface (such as WI-FI interfaces).

It will be understood by those skilled in the art that the warning grade shown in Fig. 3 determines that device structure is not formed to early warning Grade determines the restriction of equipment, can include than illustrating more or fewer components, either combine some components or different Component is arranged.

As shown in figure 3, it can lead to as in a kind of memory 1005 of computer-readable storage medium including operating system, network Letter module and warning grade determine program.Operating system is that management and control warning grade determine device hardware and software resource Program, support warning grade to determine the operation of program and other softwares and/or program.Network communication module, which is used for realization, to be deposited Communication between each component in the inside of reservoir 1005, and determine to communicate between other hardware and softwares in equipment with warning grade.

In the warning grade shown in Fig. 3 determines equipment, processor 1001 be used for perform stored in memory 1005 it is pre- Alert grade determines program, realizes following steps：

Further, the label information by each second object in the register information and blacklist is matched, really The step of matching degree information of fixed each first object, includes：

Further, described that object oriented is matched, the step of matching degree information for determining the first object, includes：

Further, it is described when type of credential presets type of credential for first, judge whether passport NO. completely walks After rapid, processor 1001 determines program for performing the warning grade stored in memory 1005, realizes following steps：

Further, described according to the matching degree information, the step of determining each first object warning grade, includes：

Warning grade of the present invention determines that equipment embodiment determines that each embodiment of method is basic with above-mentioned warning grade Identical, details are not described herein.

The present invention provides a kind of readable storage medium storing program for executing, the readable storage medium storing program for executing is stored with one or more than one journey Sequence, the one or more programs can also be performed by one or more than one processor for：

Further, it is described when type of credential presets type of credential for first, judge whether passport NO. completely walks After rapid, the one or more programs can also be performed by one or more than one processor for：

Readable storage medium storing program for executing embodiment of the present invention determines that each embodiment of method is essentially identical with above-mentioned warning grade, Details are not described herein.

It should also be noted that, herein, term " comprising ", "comprising" or its any other variant are intended to non- It is exclusive to include, so that process, method, article or device including a series of elements not only include those key elements, But also including other elements that are not explicitly listed, or further include solid by this process, method, article or device Some key elements.In the absence of more restrictions, the key element limited by sentence "including a ...", it is not excluded that including Also there are other identical element in the process of the key element, method, article or device.

The embodiments of the present invention are for illustration only, do not represent the quality of embodiment.

Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side Method can add the mode of required general hardware platform to realize by software, naturally it is also possible to by hardware, but in many cases The former is more preferably embodiment.Based on such understanding, technical scheme substantially in other words does the prior art Going out the part of contribution can be embodied in the form of software product, which is stored in one as described above In storage medium (such as ROM/RAM, magnetic disc, CD), including some instructions use so that a station terminal equipment (can be mobile phone, Computer, server, or network equipment etc.) perform method described in each embodiment of the present invention.

The foregoing is merely the preferred embodiment of the present invention, is not intended to limit the scope of the invention, every at this Under the design of invention, the equivalent structure transformation made using description of the invention and accompanying drawing content, or directly/it is used in indirectly His relevant technical field is included in the scope of patent protection of the present invention.

Claims

1. a kind of warning grade determines method, it is characterised in that the warning grade determines that method comprises the following steps：

When detecting up to default opportunity, in acquisition system in the register information and blacklist of the first object the second object mark Information, wherein register information include type of credential, passport NO. and object oriented；

The label information of each second object in the register information and blacklist is matched, determines the matching of each first object Degree information；

2. warning grade as claimed in claim 1 determines method, it is characterised in that described by the register information and blacklist In the label information of each second object matched, the step of matching degree information for determining each first object, includes：

If the passport NO. is complete, judge that the label information of each second object in blacklist whether there is and the certificate number The corresponding target passport NO. of code；

When the label information of each second object in blacklist has target passport NO. corresponding with the passport NO., to object Title is matched, and determines the matching degree information of the first object.

3. warning grade as claimed in claim 2 determines method, it is characterised in that it is described that object oriented is matched, really The step of matching degree information of fixed first object, includes：

The label information of each second object in object oriented and blacklist is matched completely, and judges object oriented and black name The label information of each second object carries out whether matching completely succeeds in list；

When the label information of each second object in object oriented and blacklist carries out complete successful match, the first object is determined Matching degree information is a stage；

When the label information of each second object in object oriented and blacklist carries out that it fails to match completely, by object oriented and black The label information of each second object carries out part matching in list, and in part successful match, determines the matching of the first object Degree information is two stages.

4. warning grade as claimed in claim 2 determines method, it is characterised in that described when type of credential is the first default card During part type, judge to include after the whether complete step of passport NO.：

If the passport NO. is imperfect, the label information of each second object in object oriented and blacklist is carried out complete Match somebody with somebody, and judge that the label information of each second object in object oriented and blacklist carries out whether matching completely succeeds；

When the label information of each second object in object oriented and blacklist carries out complete successful match, the first object is determined Matching degree information is three stages；

When the label information of each second object in object oriented and blacklist carries out that it fails to match completely, by object oriented and black The label information of each second object carries out part matching in list, and in part successful match, determines the matching of the first object Degree information is four stages.

5. warning grade as claimed in claim 1 determines method, it is characterised in that described by the register information and blacklist In the label information of each second object matched, the step of matching degree information for determining each first object, includes：

If register information includes the date of birth, judge each second object in blacklist label information whether there is with it is described Passport NO. corresponds to target passport NO.；

When the label information of each second object in blacklist has target passport NO. corresponding with the passport NO., to object Title is matched, and determines the matching degree information of the first object；

, will be right when target passport NO. corresponding with the passport NO. is not present in the label information of each second object in blacklist As the label information of each second object in title, date of birth and blacklist is matched completely, and in complete successful match, Determine intermediate degree of the matching degree information of the first object between two level and three-level.

6. the warning grade as described in claim 2 or 5 determines method, it is characterised in that it is described that object oriented is matched, The step of matching degree information for determining the first object, includes：

Judge the label information of each second object in the font type and blacklist of object oriented title font type whether one Cause；

When the font type of object oriented is consistent with the title font type of the label information of each second object in blacklist, into Row object oriented matches, and determines the matching degree information of the first object；

When the title font type of the label information of each second object in the font type and blacklist of object oriented is inconsistent, The title font type of the label information of each second object in the font type and blacklist of object oriented is changed, and Object oriented matching is carried out after conversion, determines the matching degree information of the first object.

7. warning grade as claimed in claim 6 determines method, it is characterised in that it is described according to the matching degree information, The step of determining each first object warning grade includes：

8. a kind of warning grade determining device, it is characterised in that the warning grade determining device includes：

Acquisition module, for when detecting up to default opportunity, in acquisition system in the register information and blacklist of the first object The label information of second object, wherein register information include type of credential, passport NO. and object oriented；

Matching module, for the label information of each second object in the register information and blacklist to be matched, determines each The matching degree information of first object；

9. a kind of warning grade determines equipment, it is characterised in that the warning grade determines that equipment includes：Memory, processor, Communication bus and the warning grade being stored on the memory determine program；

The processor determines program for performing the warning grade, to realize as any one of claim 1-7 Warning grade determines the step of method.

10. a kind of readable storage medium storing program for executing, it is characterised in that be stored with warning grade on the computer class reading storage medium and determine Program, the warning grade determine to realize early warning as any one of claim 1-7 etc. when program is executed by processor The step of level definite method.