CN103049851A - Transaction data-based anti-fraud monitoring method and device - Google Patents
Transaction data-based anti-fraud monitoring method and device Download PDFInfo
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Abstract
The invention provides a transaction data-based anti-fraud monitoring method, which comprises the following steps of: receiving a business transaction request submitted by a client through a client terminal; verifying legality of the business transaction request; if the verification is passed, performing data evaluation on the current business transaction request of the client and a previously stored transaction data file of the client to determine an evaluation value of the current business transaction request; comparing the determined evaluation value with a predetermined threshold value; and determining that the current business transaction request is suspicious fraudulent transaction if the determined evaluation value exceeds the predetermined threshold value. The invention also provides a corresponding device. By implementing the method and the device provided by the invention, the security of business transaction can be improved on the data level of business transaction data analysis.
Description
Technical field
The present invention relates to data processing field, relate in particular to a kind of anti-swindle method for supervising and system based on transaction data.
Background technology
Web bank is as a kind of brand-new financial service channel, to social progress, to the client, bank itself is had great importance.But meanwhile, the development along with network technology is maked rapid progress is faced with many security risks in the processing of Internet-based banking services, for example, and wooden horse attack, man-in-the-middle attack, phishing attacks, malicious code attack etc.Domestic bank adopts USB(Universal Serial Bus usually, USB (universal serial bus)) Key ensures the security of Web bank's client, but existing USB Key is as a kind of certificate carrier of passive signature, the promoter that can't know digital signature is legal user, or trojan horse program can't know also whether the signed data of submitting to USB Key was illegally distorted by the hacker before being sent to USB Key.
More and more diversified along with network security risk, single USB Key can't satisfy the security needs of business transaction in the Web bank, needs the security risk problem that new security technology scheme is processed more and more various Internet-based banking services transaction badly.
Summary of the invention
The invention provides a kind of anti-swindle method for supervising and system based on transaction data, carry out the assessed value that data assessment obtains this transaction by the transaction data archives with this business transaction request and prior this client who stores, determine according to determined assessed value whether this transaction is suspicious fraudulent trading, by this business transaction solicited message and the assessment of historical trading data archival analysis-by-synthesis, improved the security of client's business transaction in this data plane of business transaction data analysis.
According to the first aspect of embodiment of the present invention, a kind of anti-swindle method for supervising based on transaction data is provided, comprising:
Receive the business transaction request that the client submits to by client terminal;
Legitimate verification is carried out in described business transaction request,
If by checking, then the assessed value that data assessment is determined this business transaction request is carried out in this business transaction request of this client and prior this client's who stores transaction data archives;
Determined assessed value and predetermined threshold are compared, if surpass predetermined threshold, confirm that then this business transaction request is suspicious fraudulent trading.
According to the second aspect of embodiment of the present invention, a kind of anti-swindle supervising device based on transaction data is provided, comprising:
Receiver module is used for receiving the business transaction request that the client submits to by client terminal;
Authentication module is used for legitimate verification is carried out in described business transaction request, if by checking, then start evaluation module;
Evaluation module is used for the assessed value that data assessment is determined this business transaction request is carried out in this business transaction request of this client and prior this client's who stores transaction data archives;
Execution module is used for determined assessed value and predetermined threshold are compared, if surpass predetermined threshold, confirms that then this business transaction request is suspicious fraudulent trading.
Implement the anti-swindle method for supervising based on transaction data provided by the invention, by this business transaction request and the transaction data archives of formerly storage are assessed to differentiate suspicious fraudulent trading, in process of exchange, improved the security that transaction data is processed from professional transaction data analytic angle.
Description of drawings
Fig. 1 illustrates the schematic flow sheet based on the anti-swindle method for supervising of transaction data according to embodiment of the present invention.
Fig. 2 illustrates the structural representation based on the anti-swindle supervising device of transaction data according to embodiment of the present invention.
Embodiment
For the purpose, technical scheme and the advantage that make embodiments of the invention is clearer, the present invention is described in further detail below in conjunction with accompanying drawing.
Referring to Fig. 1, illustrate the schematic flow sheet based on the anti-swindle method for supervising of transaction data according to embodiment of the present invention, the method specifically can comprise:
S101 receives the business transaction request that the client submits to by client terminal;
S102 carries out legitimate verification to described business transaction request,
If by checking, then the assessed value that data assessment is determined this business transaction request is carried out in this business transaction request of this client and prior this client's who stores transaction data archives;
S103 compares determined assessed value and predetermined threshold, if surpass predetermined threshold, confirms that then this business transaction request is suspicious fraudulent trading.
In the embodiment of the present invention, receive the business transaction request that the client submits to by client terminal, wherein client terminal comprises, but be not limited to the comprehensive service terminal of personal computer terminal, mobile phone terminal and the bank that can be used for internet bank trade setting in the zones such as commerce services zone, service for life be regional etc.Can be respectively by processing in transaction processing system corresponding to Web bank's server, the internal network of bank, the bank of internet, the inner setting of bank by the business transaction request that client terminal is submitted to, generally speaking, above-mentioned data transfer adopts cipher mode to transmit, and those skilled in the art can adopt known any suitable encryption method to be encrypted according to using needs.Can use the anti-swindle method for supervising based on transaction data provided by the invention carries out the business datum that the business transaction data process and can comprise, but be not limited to, the individual Web bank remittance data of externally transferring accounts, the individual Web bank data of paying the fees of externally transferring accounts, personal call bank transfer remittance data, the personal call bank data of paying the fees, the enterprise network remittance data of transferring accounts that goes to bank, the enterprise network payroll credit data that go to bank, the enterprise network reimbursement data that go to bank, businessman is to client (Business-to-Customer, B2C) online payment data, Mobile banking's remittance data of externally transferring accounts, Mobile banking's data of paying the fees of externally transferring accounts, the household bank remittance data of externally transferring accounts, the household bank data of paying the fees of externally transferring accounts, and in different countries, the area, (daytime period, the late into the night), the data of internet bank trade are handled in the city, use different computer terminals to carry out the data of internet bank trade, the strange land account is appended signatory data, revise in the strange land, the data of replacement login password, same account is frequent, the data of contracting and nullify in many sites, the frequent data of reporting the loss of repeatedly handling the net silver autograph account, the data of the frequent login in strange land in the Net silver premium customers short time, collecting account produces (transferring accounts in batches) after ATM and sales counter change over to, data near limit or approaching zero remaining sum, after opening an account, account do not have transaction or the amount of money and stroke count very low, occured that wholesale changes over to and took away the same day same day, approach the data of zero remaining sum, the account frequent occurrence is near the data etc. of transferring accounts of remaining sum or specified amount (parametrization).
In the embodiment of the present invention, when receiving the business transaction request of client by the client terminal submission, also collect the transaction related information relevant with this transaction request of this client, comprise following one or more: trading account, account payee, account-device combination information, account-internet access combined information, account-login be combined information, trading account-account payee's combined information, user's group, the temporal information of this transaction, the transaction data of activity afterwards.Need to prove, partial information in the above-mentioned transaction related information (for example, trading account, account payee, dealing money data etc.) can be configured in the business transaction request, then by the business transaction request message being resolved to obtain the transaction related information in this message.In addition, when receiving the business transaction request of client by the client terminal submission, can also collect the device association information relevant with this client's transaction, comprise following one or more: the internet/facility information of client terminal, BlueDrama data, IP address, ISP, connection type, customer terminal equipment ID, client terminal operation system information.Can determine the relevant information of client's transaction device therefor by collecting the said equipment related information, in order to assess with the historical trading data of storage.
After receiving the business transaction request of client by the client terminal transmission, also the legitimacy of this business transaction request is verified, particularly, can comprise short-message verification and/or verifying dynamic password.For example, can send note by the phone number formerly reserved to the client and verify whether this business transaction request legal, if be verified as legal, then continuing follow-up business transaction processes, if be verified as illegally, then can there be suspicious risk by prompting user, suspend the subsequent transaction operation.For example, under individual Web bank externally transfers accounts the business transaction scene of remitting money, can in the note that the phone number of reserving to the client sends, comprise the key messages such as the amount of money of transferring accounts, payee name or title by SMS platform.Again for example, when carrying out short-message verification, also carry out verifying dynamic password, also can in short-message verification and verifying dynamic password, select.For verifying dynamic password, for example, can be by client terminal (for example, the terminal such as PC or mobile phone) shows the pattern that transformable numeral, letter etc. form to the client, if the client is by the correct pattern of input equipment input, then by checking, it is legal to be verified as; If do not input correct pattern, then not by verifying, can refresh the mode of selecting other patterns or selecting other checking legitimacies, illegal if the number of times that passes through checking above certain number of times, then is verified as, do not proceeding subsequent treatment.Need to prove that those skilled in the art can also adopt other any suitable legality identification methods to verify the verification mode that is not limited to mention herein.
In the embodiment of the present invention, the transaction related information of this business transaction solicited message and above-mentioned collection, device association information etc. are processed via transaction processing system corresponding to Web bank's server, bank's internal network, the bank of internet, bank inside with the form of ciphertext.This business transaction request and collection information and prior this client's who stores transaction data archives are carried out data assessment, determine the assessed value of this business transaction request.Wherein, the transaction data archives of storage can comprise in advance: historical trading related information, historical device association information before this transaction request, and the recent change date of address/postcode, password, reservation phone number, and the change information of in the certain hour that this transaction request continues forward, conclude the business related information, device association information.Those skilled in the art also can add other Transaction Informations that can be used for identifying suspicious swindle business transaction according to using needs in the transaction data archives.For example, by the information of above-mentioned collection is carried out data assessment and analysis with the transaction data archives of storing in advance, wherein data assessment and analysis can adopt the methods such as known any data analysis, excavation, comparison, coupling to process.
Determine assessed value, determined assessed value and the threshold value of being scheduled to are being compared, if surpass threshold value, confirming that then this business transaction request is suspicious fraudulent trading, if do not surpass, then can continue, finishing this transaction processing.Wherein predetermined threshold value can be processed by statistical average repeatedly and draw, and those skilled in the art also can set by other means.The suspicious fraudulent trading behavior that can determine comprises, but be not limited to, same client Web bank is different with the Mobile banking phone number, and the contract signing place of the signatory Mobile banking of client is different from home zone of mobile phone number, the client of Mobile banking changes suddenly the strange land phone number for a long time at the somewhere transacting business; The long-term un-activation of the client of Mobile banking, suddenly wholesale, near limit, zero remaining sum transaction; The client does wholesale after changing mobile phone, near limit, rear the transferring accounts near situations such as 0 remaining sums of transferring accounts; Having handled the remittance and activating of transferring accounts after the client of Mobile banking is signatory, then having nullified, to change phone number again open-minded again, having carried out wholesale and transfer accounts; The client of Mobile banking carries out the small amount class business of paying the fees of transferring accounts always, carries out suddenly many wholesales and transfers accounts; Handle newly continuously in short time open an account, Mobile banking opens, transferred account service etc.After definite this business transaction request is suspicious fraudulent trading, can send by the phone number that short message mode is reserved in advance to this client the request confirmation with the legitimacy of this business transaction request of further affirmation.For example, can from database, access the phone number that this client reserves, if it is empty that phone number is judged by system, then can by the display device prompting " there is risk in current transaction; need to carry out mobile phone short message verification; please arrive sales counter registration phone number " of client terminal, can stop current transaction; If phone number is correct, key message is confirmed with the phone number that the note form is sent to this reservation in this transaction request.Yet, be unwilling to use under the scene that SMS confirmation or SMS confirmation can't confirm because of reasons such as receptions some clients, can also call out the legitimacy that further confirm this business transaction request to the phone number that this client reserves in advance by the mode of calling out.
Abovely in conjunction with embodiment the anti-swindle method for supervising based on transaction data provided by the invention is illustrated, sets forth with the anti-swindle supervising device of above-mentioned anti-swindle method for supervising below in conjunction with embodiment is corresponding.
Referring to Fig. 2, illustrate the structural representation based on the anti-swindle supervising device of transaction data according to embodiment of the present invention, this anti-supervising device 200 of swindling specifically can comprise:
In the embodiment of the present invention, the mode that receiver module 201, authentication module 202, evaluation module 203, the execution module 204 of anti-swindle supervising device 200 can adopt software and hardware to combine is implemented, for example receiver module can be implemented by the programmable data processing module, and can be arranged on the client terminal, perhaps can be arranged on other treatment facilities.Wherein, authentication module can have communication connection conveniently to verify with bank existing SMS platform, calling system, similarly, execution module also can have communication connection with SMS platform and calling system, after confirming that this transaction request is suspicious fraudulent trading, initiate legitimacy with note form and/or calling form to the client and confirm.
Receiver module in the embodiment of the present invention receives the business transaction request that the client submits to by client terminal, wherein client terminal comprises, but be not limited to the comprehensive service terminal of personal computer terminal, mobile phone terminal and the bank that can be used for internet bank trade setting in the zones such as commerce services zone, service for life be regional etc.Can be respectively by processing in transaction processing system corresponding to Web bank's server, the internal network of bank, the bank of internet, the inner setting of bank by the business transaction request that client terminal is submitted to, generally speaking, above-mentioned data transfer adopts cipher mode to transmit, and those skilled in the art can adopt known any suitable encryption method to be encrypted according to using needs.Can use the anti-swindle supervising device based on transaction data provided by the invention carries out the business datum that the business transaction data process and can comprise, but be not limited to, the individual Web bank remittance data of externally transferring accounts, the individual Web bank data of paying the fees of externally transferring accounts, personal call bank transfer remittance data, the personal call bank data of paying the fees, the enterprise network remittance data of transferring accounts that goes to bank, the enterprise network payroll credit data that go to bank, the enterprise network reimbursement data that go to bank, the B2C online payment data, Mobile banking's remittance data of externally transferring accounts, Mobile banking's data of paying the fees of externally transferring accounts, the household bank remittance data of externally transferring accounts, the household bank data of paying the fees of externally transferring accounts, and in different countries, the area, (daytime period, the late into the night), the data of internet bank trade are handled in the city, use different computer terminals to carry out the data of internet bank trade, the strange land account is appended signatory data, revise in the strange land, the data of replacement login password, same account is frequent, the data of contracting and nullify in many sites, the frequent data of reporting the loss of repeatedly handling the net silver autograph account, the data of the frequent login in strange land in the Net silver premium customers short time, collecting account produces (transferring accounts in batches) after ATM and sales counter change over to, data near limit or approaching zero remaining sum, after opening an account, account do not have transaction or the amount of money and stroke count very low, occured that wholesale changes over to and took away the same day same day, approach the data of zero remaining sum, the account frequent occurrence is near the data etc. of transferring accounts of remaining sum or specified amount (parametrization).
In the embodiment of the present invention, receiver module is when receiving the business transaction request of client by the client terminal submission, also collect the transaction related information relevant with this transaction request of this client, comprise following one or more: trading account, account payee, account-device combination information, account-internet access combined information, account-login be combined information, trading account-account payee's combined information, user's group, the temporal information of this transaction, the transaction data of activity afterwards.Need to prove, partial information in the above-mentioned transaction related information (for example, trading account, account payee, dealing money data etc.) can be configured in the business transaction request, then by the business transaction request message being resolved to obtain the transaction related information in this message.In addition, receiver module is when receiving the business transaction request of client by the client terminal submission, can also collect the device association information relevant with this client's transaction, comprise following one or more: the internet/facility information of client terminal, BlueDrama data, IP address, ISP, connection type, customer terminal equipment ID, client terminal operation system information.Can determine the relevant information of client's transaction device therefor by collecting the said equipment related information, in order to assess with the historical trading data of storage.Need to prove that receiver module provided by the invention can be arranged on the different equipment dispersedly according to the difference of the information of collection, with the convenient information speed that improves, guarantee can not cause time delay longer because of information.
Receive the business transaction request of client terminal transmission at receiver module after, utilize authentication module that the legitimacy of this business transaction request is verified, particularly, can carry out legitimate verification by short-message verification and/or verifying dynamic password mode.For example, can send note by the phone number of formerly reserving to the client and verify whether this business transaction request is legal, if legal, then continuing follow-up business transaction processes, if illegal, then can there be suspicious risk by prompting user, suspend the subsequent transaction operation.For example, under individual Web bank externally transfers accounts the business transaction scene of remitting money, can in the note that the phone number of reserving to the client sends, comprise the key messages such as the amount of money of transferring accounts, payee name or title by SMS platform.Again for example, when carrying out short-message verification, also carry out verifying dynamic password, also can in short-message verification and verifying dynamic password, select.For verifying dynamic password, for example, can pass through client terminal (for example, the terminal such as PC or mobile phone) and show the pattern that transformable numeral, letter etc. form to the client, if the client is by the correct pattern of input equipment input, then by checking, it is legal to be verified as, if do not input correct pattern, then not by checking, can refresh the mode of selecting other patterns or selecting other checking legitimacies, if do not surpass certain number of times by the number of times of verifying, then be verified as illegal.Need to prove that those skilled in the art can also adopt other any suitable legality identification methods to verify the verification mode that is not limited to mention herein.
In the embodiment of the present invention, the transaction related information of this business transaction solicited message and above-mentioned collection, device association information etc. are processed via transaction processing system corresponding to Web bank's server, bank's internal network, the bank of internet, bank inside with the form of ciphertext.Evaluation module carries out data assessment with this client's of this business transaction request and collection information and prior storage transaction data archives, determines the assessed value of this business transaction request.Wherein, the transaction data archives of storage can comprise in advance: historical trading related information, historical device association information before this transaction request, and the recent change date of address/postcode, password, reservation phone number, and the change information of in the certain hour that this transaction request continues forward, conclude the business related information, device association information.Those skilled in the art also can add other Transaction Informations that can be used for identifying suspicious swindle business transaction according to using needs in the transaction data archives.
After evaluation module was determined assessed value, execution module compared determined assessed value and the threshold value of being scheduled to, if surpass threshold value, confirms that then this business transaction request is suspicious fraudulent trading, if do not surpass, then can continue, and finishes this transaction processing.Wherein predetermined threshold value can be processed by statistical average repeatedly and draw, and those skilled in the art also can set by other means.After definite this business transaction request was suspicious fraudulent trading, execution module can send by the phone number that short message mode is reserved in advance to this client the request confirmation with the legitimacy of this business transaction request of further affirmation.For example, can from database, access the phone number that this client reserves, if it is empty that phone number is judged by system, then can by the display device prompting " there is risk in current transaction; need to carry out mobile phone short message verification; please arrive sales counter registration phone number " of client terminal, can stop current transaction; If phone number is correct, key message is confirmed with the phone number that the note form is sent to this reservation in this transaction request.Yet, be unwilling to use under the scene that SMS confirmation or SMS confirmation can't confirm because of reasons such as receptions some clients, can also call out the legitimacy that further confirm this business transaction request to the phone number that this client reserves in advance by the mode of calling out.
Through the above description of the embodiments, those skilled in the art can be well understood to the present invention and can realize by the mode of software combined with hardware platform, can certainly all implement by hardware.Based on such understanding, technical scheme of the present invention is to can embodying with the form of software product in whole or in part that background technology contributes, this computer software product can be stored in the storage medium, such as ROM/RAM, magnetic disc, CD etc., comprise that some instructions are with so that a computer equipment (can be personal computer, server, the perhaps network equipment etc.) carry out the described method of some part of each embodiment of the present invention or embodiment.
Above disclosed only is a kind of preferred embodiment of the present invention, certainly can not limit with this interest field of the present invention, and the equivalent variations of therefore doing according to claim of the present invention still belongs to the scope that the present invention is contained.
Claims (14)
1. the anti-swindle method for supervising based on transaction data is characterized in that, comprising:
Receive the business transaction request that the client submits to by client terminal;
Legitimate verification is carried out in described business transaction request,
If by checking, then the assessed value that data assessment is determined this business transaction request is carried out in this business transaction request of this client and prior this client's who stores transaction data archives;
Determined assessed value and predetermined threshold are compared, if surpass predetermined threshold, confirm that then this business transaction request is suspicious fraudulent trading.
2. method according to claim 1 is characterized in that, also comprises:
When receiving the business transaction request that the client submits to by client terminal, collect the transaction related information relevant with this transaction request of described client, comprise following one or more: combined information, trading account-account payee's combined information, user's group, the temporal information of this transaction, the transaction data of activity after trading account, account payee, account-device combination information, account-internet access combined information, the account-login.
3. method according to claim 1 and 2 is characterized in that, also comprises:
When receiving the business transaction request that the client submits to by client terminal, collect the device association information relevant with described client's transaction, comprise following one or more: the internet/facility information of client terminal, BlueDrama data, IP address, ISP, connection type, customer terminal equipment ID, client terminal operation system information.
4. method according to claim 3 is characterized in that, described legitimate verification comprises: short-message verification and/or verifying dynamic password.
5. method according to claim 4, it is characterized in that, described transaction data archives comprise: historical trading related information, historical device association information before this transaction request, and the recent change date of address/postcode, password, reservation phone number, and the change information of in the certain hour that this transaction request continues forward, conclude the business related information, device association information.
6. method according to claim 5 is characterized in that, also comprises
After confirming that this business transaction request is suspicious fraudulent trading, the phone number of reserving in advance to this client by short message mode sends the request confirmation with the legitimacy of this business transaction request of further affirmation.
7. method according to claim 5 is characterized in that, also comprises:
After confirming that this business transaction request is suspicious fraudulent trading, the phone number confirming call of reserving in advance to this client by method of calling is with the legitimacy of this business transaction request of further affirmation.
8. the anti-swindle supervising device based on transaction data is characterized in that, comprising:
Receiver module is used for receiving the business transaction request that the client submits to by client terminal;
Authentication module is used for legitimate verification is carried out in described business transaction request, if by checking, then start evaluation module;
Evaluation module is used for the assessed value that data assessment is determined this business transaction request is carried out in this business transaction request of this client and prior this client's who stores transaction data archives;
Execution module is used for determined assessed value and predetermined threshold are compared, if surpass predetermined threshold, confirms that then this business transaction request is suspicious fraudulent trading.
9. device according to claim 8, it is characterized in that, described receiver module, also be used for to collect the transaction related information relevant with this transaction request of described client, comprise following one or more: combined information, trading account-account payee's combined information, user's group, the temporal information of this transaction, the transaction data of trading account, account payee, account-device combination information, account-internet access combined information, the rear activity of account-login.
10. according to claim 8 or 9 described devices, it is characterized in that, described receiver module, also be used for to collect the device association information relevant with described client's transaction, comprise following one or more: the internet/facility information of client terminal, BlueDrama data, IP address, ISP, connection type, customer terminal equipment ID, client terminal operation system information.
11. device according to claim 10 is characterized in that, described authentication module is used for carrying out legitimate verification by note and/or verifying dynamic password.
12. device according to claim 11, it is characterized in that, described transaction data archives comprise: historical trading related information, historical device association information before this transaction request, and the recent change date of address/postcode, password, reservation phone number, and the change information of in the certain hour that this transaction request continues forward, conclude the business related information, device association information.
13. device according to claim 12, it is characterized in that, described execution module, also be used for after confirming that this business transaction request is suspicious fraudulent trading, the phone number of reserving in advance to this client by short message mode sends the request confirmation with the legitimacy of this business transaction request of further affirmation.
14. device according to claim 12, it is characterized in that, described execution module, also be used for after confirming that this business transaction request is suspicious fraudulent trading, the phone number confirming call of reserving in advance to this client by method of calling is with the legitimacy of this business transaction request of further affirmation.
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| CN2012105807342A CN103049851A (en) | 2012-12-27 | 2012-12-27 | Transaction data-based anti-fraud monitoring method and device |
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| CN2012105807342A CN103049851A (en) | 2012-12-27 | 2012-12-27 | Transaction data-based anti-fraud monitoring method and device |
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