CN104992324A - Service processing method of self-service device and service processing system of self-service device - Google Patents
Service processing method of self-service device and service processing system of self-service device Download PDFInfo
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- CN104992324A CN104992324A CN201510434306.2A CN201510434306A CN104992324A CN 104992324 A CN104992324 A CN 104992324A CN 201510434306 A CN201510434306 A CN 201510434306A CN 104992324 A CN104992324 A CN 104992324A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/18—Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
- G06Q20/204—Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
Abstract
The present invention discloses a service processing method of a financial self-service terminal and a service processing system of the financial self-service terminal. The method comprises: according to transaction data of a user account, establishing a user transaction rule; receiving a transaction request of the user account; identifying whether the transaction request is a normal transaction request or an abnormal transaction request according to the user transaction rule; and if the transaction request is the abnormal transaction request, requesting the user to add identity verification, and processing the abnormal transaction request after receiving the identity verification. According to the service processing method discloses by the present invention, the user transaction rule is established according to the transaction data of the user account, the transaction request of the user is identified according to the transaction rule, after the abnormal transaction is identified, the user identity verification is required to be added by the user, and only after the received identity verification is passed can the transaction be continued, so that the capital safety of the user account is ensured without interfering with the transaction of the user.
Description
Technical field
The present invention relates to finance self-help terminal transaction technical field, particularly relate to a kind of financial self-service equipment method for processing business and system thereof.
Background technology
In recent years, each commercial silver provisional capital increases the input of Possum one after another, with in line, the appearance of emerging finance service means that represents from line Self-Service Qu Dengwei, promote e-finance process, expand bank service radius, extend service time, improve service quality, great facility is provided to the vast client of holding, but also run into new challenge simultaneously, Here it is is becoming increasingly rampant for all kinds of crimes of Possum, and clients fund suffers illegal theft, and the reputation of financial company also receives infringement.
Existing finance self-help terminal device transaction technology, as long as user's input is withdrawn the money, password correctly just can be successfully completed transaction, and along with the develop rapidly of science and technology, bank card high-tech crime gets more and more, current offender by make card reader and camera probe with the use of modus operandi, steal customer bank card magnetic strip information, password of withdrawing the money, after making pseudo-card, pass through enchashment, transfer accounts, the mode of enchashment again shifts rapidly and get cash by trickery, all bring great infringement to the interests of user and bank, the fund security of user account becomes a large problem.
Summary of the invention
The object of the invention is to the method for processing business and the system thereof that propose a kind of finance self-help terminal, while not hindering customer transaction, effectively can protect the fund security of user account.
For reaching this object, the present invention by the following technical solutions:
First aspect, a kind of method for processing business of finance self-help terminal, comprising:
According to the transaction data of user account, set up customer transaction rule;
Receive the transaction request of described user account;
According to the identification of customer transaction rule, transaction request is arm's length transaction request or abnormal exchanges request;
If abnormal exchanges request, then ask user to add authentication, receive abnormal exchanges request described in described authentication aftertreatment.
Preferably, the described transaction data according to user account, sets up customer transaction rule and is specially: set up historical trading data storehouse, and transaction data is preserved in described historical trading data storehouse, carries out data mining, set up customer transaction rule according to described transaction data.
Preferably, described abnormal exchanges request comprises common abnormal exchanges request;
The described transaction data according to user account, sets up customer transaction rule, comprising: according to the transaction data of user account, sets up the exchange hour scope of described user account, loco scope, dealing money scope;
Described according to the identification of customer transaction rule transaction request be arm's length transaction request or abnormal exchanges request, comprising: obtain the exchange hour of described transaction request, loco, dealing money; If described exchange hour does not belong to described exchange hour scope, or described loco does not belong to described loco scope, or dealing money does not belong to described dealing money scope, then identifying described transaction request is common abnormal exchanges request.
Preferably, described abnormal exchanges request comprises improper transaction request of withdrawing the money;
Described according to the identification of customer transaction rule transaction request be arm's length transaction request or abnormal exchanges request, comprising:
After the small amount that user completes a first preset amount scope is withdrawn the money, the wholesale of carrying out within the scope of second preset amount is withdrawn the money; Or
All first can carry out inquiry business before user's historical transaction record user withdraws the money at every turn, and this transaction is not carried out inquiry business and directly withdrawn the money, withdraw funds is within the scope of the second preset amount; Or
User withdraws the money at least three times continuously, and withdraw funds is within the scope of the first preset amount; Then identifying described transaction request is improper transaction request of withdrawing the money.
Preferably, described abnormal exchanges request comprises improper money transfer transactions request;
Described according to the identification of customer transaction rule transaction request be arm's length transaction request or abnormal exchanges request, comprising:
User is simultaneously toward at least three account transfer, and historical trading does not record this behavior; Or
User's at least three continuous past same account transfer, transfer amounts is within the scope of the 3rd preset amount; Or
User is toward the account transfer never having historical context business with this card, and transfer amounts is within the scope of the 4th preset amount; Or
Net silver is transferred accounts exception, produces the amount of money continuously at least three times; Or
All first can carry out inquiry business before user's historical transaction record user transfers accounts at every turn, and this transaction is not carried out inquiry business and directly transferred accounts, transfer amounts is within the scope of the 4th preset amount; Then identifying described transaction request is improper money transfer transactions.
Preferably, described abnormal exchanges request comprises improper payment transaction request;
Described according to the identification of customer transaction rule transaction request be arm's length transaction request or abnormal exchanges request, comprising:
Self-service payment terminal place and history payment terminal place be not or not same city; Or
Compared with paying the fees with history, the self-service payment terminal payment amount of money is large; Or
Compared with paying the fees with history, the Net silver payment amount of money is large; Or
Net silver payment is in no specific time section, and payment number of times and the amount of money significantly increase; Then identifying described transaction request is improper payment transaction request.
Preferably, described abnormal exchanges request comprises improper transaction request of swiping the card;
Described according to the identification of customer transaction rule transaction request be arm's length transaction request or abnormal exchanges request, comprising:
The POS terminal amount of money of swiping the card is more than or equal to the maximum dollar amount that history single swipes the card;
Swipe the card the amount of money within the scope of the 6th preset amount, and history is swiped the card, the amount of money is within the scope of the 5th preset amount or when number of times of swiping the card is less than first threshold; Or
Swipe the card the amount of money within the scope of the 6th preset amount, and swipe the card place and historical trading place be not or not same city; Or
Though swipe the card, the amount of money is within the scope of the 5th preset amount, swipes the card continuously, and when number of times of swiping the card continuously is more than or equal to Second Threshold; Then identifying described transaction request is improper transaction of swiping the card.
Preferably, described request user adds authentication and comprises:
Request user re-enters password; Or
Request user inputs the urgent password of abnormal exchanges; Or
Request user carries out biological characteristic validation; Or
Request user input handset identifying code.
Preferably, it is described after according to the identification of customer transaction rule, transaction request is arm's length transaction request or abnormal exchanges request, also comprise: if arm's length transaction request, then press arm's length transaction request described in normal procedure process, after having concluded the business, transaction data is preserved into described historical trading data storehouse;
Described receive abnormal exchanges request described in described authentication aftertreatment after, also comprise: after having concluded the business, transaction data preserved into described historical trading data storehouse.
Second aspect, a kind of transaction processing system of finance self-help terminal, comprising:
Transaction rule sets up module, for the transaction data according to user account, sets up customer transaction rule;
Transaction request receiver module, for receiving the transaction request of described user account;
Type of transaction identification module is arm's length transaction request or abnormal exchanges request for transaction request according to the identification of customer transaction rule;
First trade processing module, for abnormal exchanges request, asks user to add authentication, receives abnormal exchanges request described in described authentication aftertreatment.
The method for processing business of a kind of finance self-help terminal provided by the invention and system thereof, customer transaction rule is set up according to the transaction data of user account, identify according to the transaction request of transaction rule to user, after being identified as abnormal exchanges, user is needed to add subscriber authentication, only have when the authentication received by after just can proceed, while not hindering customer transaction, ensure that the fund security of user account.
Accompanying drawing explanation
Fig. 1 is the method flow diagram of the embodiment one of the method for processing business of a kind of finance self-help terminal provided by the invention.
Fig. 2 is the method flow diagram of the embodiment two of the method for processing business of a kind of finance self-help terminal provided by the invention.
Fig. 3 is the structural framing figure of the embodiment one of the transaction processing system of a kind of finance self-help terminal provided by the invention.
Fig. 4 is the structural framing figure of the embodiment two of the transaction processing system inventing a kind of finance self-help terminal provided.
Embodiment
The technical matters solved for making the present invention, the technical scheme of employing and the technique effect that reaches are clearly, be described in further detail below in conjunction with the technical scheme of accompanying drawing to the embodiment of the present invention, obviously, described embodiment is only the present invention's part embodiment, instead of whole embodiments.
Embodiment one
With reference to figure 1, a kind of method for processing business of finance self-help terminal, is characterized in that, comprise the following steps:
S101, transaction data according to user account, set up customer transaction rule.
Finance self-help terminal generally comprises the financial self-service equipments such as ATM (automatic teller machine), automatic cash dispenser, circulation ATM (Automatic Teller Machine), self-help inquiry apparatus, self-help charger, POS terminal, user is at every turn when finance self-help terminal is concluded the business, and finance self-help terminal all can obtain the transaction data after this Transaction Success.Transaction data comprises exchange hour, loco, dealing money size, type of transaction, transaction sequence, connected transaction account, amount of money size of swiping the card, self-help charging binding information, carries out other card informations etc. of concluding the business simultaneously.After obtaining these transaction data, bank's built-in system can set up customer transaction rule according to these transaction data.
Preferably, the described transaction data according to user account, sets up customer transaction rule and is specially: set up historical trading data storehouse, and transaction data is preserved in described historical trading data storehouse, carries out data mining, set up customer transaction rule according to described transaction data.
Bank's built-in system sets up a historical trading data storehouse, is used for preserving various data and result thereof that user account each process of exchange produces, and adds up it, classifies, screens and export.The transaction data that its finance self-help terminal device obtains is preserved in historical trading data storehouse, thus the Transaction Information of user each time after Transaction Success all can be retained; Then bank's built-in system takes data mining technology, data mining is carried out to the transaction data in historical trading data storehouse, summarize the rule of the exchange hour of described user account, loco, dealing money size, type of transaction, transaction sequence, connected transaction account, swipe the card amount of money size and self-help charging binding information, this transaction embodying transaction rule is set to white list transaction, i.e. arm's length transaction.
In fact, the user group of different generic, it carries out the rule that self-service business has oneself uniqueness.Such as shoppy account fund handling capacity is large, and account Capital Flow is fast; The account of retired old man then withdraw the money the cycle and number more stable; The frequent scope of activities of most users is confined to certain area or a certain city, and the user of the normal work of the overwhelming majority has the comparatively fixing daily schedule, as except festivals or holidays, generally can not the time of being on duty carry out business transaction; Overwhelming majority people can not carry out self-service business the late into the night; The account of factory boss can in due course between pay out wages toward multiple account transfer, then toward the situation of multiple account transfer while of repeatedly occurring this, present some cycles, and other accounts have this situation hardly.
The user group that data mining technology can excavate these different generics concludes the business rule, the data mining technology taked can be statistical technique, correlation rule, analyzes based on the MBR (Memory-basedReasoning) of history, assemble and detect, data mining technology is prior art, does not do too much description herein.
S102, receive the transaction request of described user account.
S103, according to the identification of customer transaction rule, transaction request is arm's length transaction request or abnormal exchanges request.
Abnormal exchanges request refers to the transaction request not meeting user's historical trading rule, as one has the account of thousands of transaction, never at night 12 between morning 6, carried out transaction, have wholesale enchashment to conclude the business morning 3 now, namely think that this transaction is abnormal exchanges.
Preferably, described abnormal exchanges request comprises common abnormal exchanges request.
The described transaction data according to user account, sets up customer transaction rule, comprising: according to the transaction data of user account, sets up the exchange hour scope of described user account, loco scope, dealing money scope.
Described according to the identification of customer transaction rule transaction request be arm's length transaction request or abnormal exchanges request, comprising: obtain the exchange hour of described transaction request, loco, dealing money; If described exchange hour does not belong to described exchange hour scope, or described loco does not belong to described loco scope, or dealing money does not belong to described dealing money scope, then identifying described transaction request is common abnormal exchanges request.
As added up certain account trading time at 8 a.m. to point in evening 6, so certain self-service dealing occurs in 1:00 AM; Can not withdraw the money the time of being on duty or transfer accounts as white collar, certain time of being on duty withdraws the money or transfers accounts; Then above-mentioned exchange hour does not belong within the scope of exchange hour; As certain user's historical trading place does not all exceed region, Shenzhen, certain self-service dealing is in Shanghai City, then loco does not belong within the scope of loco; As certain user's historical trading amount of money is no more than 2000, certain transaction is more than 8000, then dealing money does not belong within the scope of dealing money; Above-mentioned transaction request is common abnormal exchanges request.
If the exchange hour of transaction request belongs to described exchange hour scope, and loco belongs to described loco scope, and dealing money belongs to described dealing money scope, then this transaction request is arm's length transaction request, by prior art process.
Preferably, described abnormal exchanges request comprises improper transaction request of withdrawing the money.
Described according to the identification of customer transaction rule transaction request be arm's length transaction request or abnormal exchanges request, comprising:
After the small amount that user completes a first preset amount scope is withdrawn the money, the wholesale of carrying out within the scope of second preset amount is withdrawn the money; Or
All first can carry out inquiry business before user's historical transaction record user withdraws the money at every turn, and this transaction is not carried out inquiry business and directly withdrawn the money, withdraw funds is within the scope of the second preset amount; Or
User withdraws the money at least three times continuously, and withdraw funds is within the scope of the first preset amount; Then identifying described transaction request is improper transaction request of withdrawing the money.
First preset amount scope is 0 ~ 1000 yuan, second preset amount scope is more than 1000, after user's small amount completed within 1000 yuan is withdrawn the money, and the wholesale of carrying out more than 1000 yuan or 1000 yuan is withdrawn the money, this is likely that client forgets and is stuck in cash dispenser and causes other people to withdraw the money, and thus identifying that second time withdraws the money is improper transaction request of withdrawing the money.
User repeatedly continuous small amount withdraws the money, withdraw funds is within the scope of 0 ~ 1000 yuan, may be that subscriber card account and password leakage cause account stolen, the small amount that appropriator continuous several times is carried out within 1000 yuan is withdrawn the money and avoids by account user Timeliness coverage account fund stolen, and then the fund of user account all can be taken out.
Because the situation of the Capital Flow of user or funds transaction amount can change, first preset amount, the second preset amount scope can change to some extent, such as the first preset amount scope can be 0 ~ 500 yuan or 0 ~ 2000 yuan, correspondingly, the second preset amount scope can be set as more than 500 yuan or more than 2000 yuan.
Withdraw the money if user's small amount completed within the scope of first preset amount is discontinuous after withdrawing the money; Or user withdraw the money at every turn before all first can carry out inquiry business, and this transaction is also carried out inquiry business and is directly withdrawn the money, and withdraw funds is within the scope of the historical trading amount of money; Then this transaction request is arm's length transaction request, by prior art process.
Preferably, described abnormal exchanges request comprises improper money transfer transactions request.
Described according to the identification of customer transaction rule transaction request be arm's length transaction request or abnormal exchanges request, comprising:
User is simultaneously toward at least three account transfer, and historical trading does not record this behavior; Or
User's at least three continuous past same account transfer, transfer amounts is within the scope of the 3rd preset amount, and described 3rd preset amount scope is 0 ~ 500 yuan; Or
User is toward the account transfer never having historical context business with this card, and transfer amounts is within the scope of the 4th preset amount; Or
Net silver is transferred accounts exception, produces the amount of money continuously at least three times; Or
All first can carry out inquiry business before user's historical transaction record user transfers accounts at every turn, and this transaction is not carried out inquiry business and directly transferred accounts, transfer amounts is within the scope of the 4th preset amount; Then identifying described transaction request is improper money transfer transactions.
User is simultaneously toward multiple account transfer, and historical trading does not record this behavior, this be likely card stolen after carry out the illegal transfer of account fund.
4th preset amount scope is more than 1000 yuan, and user is toward never having the account wholesale of historical context business to transfer accounts with this card, transfer amounts, on 1000 yuan, is likely that user has dust thrown into the eyes, transfer of financial resources is entered illegal account.
Net silver is transferred accounts exception, and continuous several times produces the amount of money, and may be that Netease's account is stolen, account fund be produced by other people.
All first can carry out inquiry business before user's historical transaction record user transfers accounts at every turn, and this transaction is not carried out inquiry business and directly carried out wholesale and transfer accounts, transfer amounts, more than 1000 yuan, does not meet transaction rule, is likely that subscriber card is stolen.
As the another kind of optimal way of the present embodiment, the 3rd preset amount scope can be other scopes, such as 0 ~ 200 yuan or 0 ~ 300 yuan, and the 4th preset amount scope can be set as other scopes, such as more than 3000 yuan or more than 5000 yuan.
If user is simultaneously toward at least three account transfer, and historical trading records this behavior, transfer amounts is within the scope of the historical trading amount of money; Or user carries out single toward an account to transfer accounts, transfer amounts is within the scope of the historical trading amount of money; Or Net silver single produces the amount of money, produce the amount of money within the scope of the historical trading amount of money; Or user transfer accounts at every turn before all first can carry out inquiry business, and inquiry business is also carried out in this transaction, and transfer amounts is within the scope of the 4th preset amount; Then described transaction request is arm's length transaction request, by prior art process.
Preferably, described abnormal exchanges request comprises improper payment transaction request.
Described according to the identification of customer transaction rule transaction request be arm's length transaction request or abnormal exchanges request, comprising:
Self-service payment terminal place and history payment terminal place be not or not same city; Or
Compared with paying the fees with history, the self-service payment terminal payment amount of money is large; Or
Compared with paying the fees with history, the Net silver payment amount of money is large; Or
Net silver payment is in no specific time section, and payment number of times and the amount of money significantly increase; Then identifying described transaction request is improper payment transaction request.
Special time period refers to the red-letter days such as November 11, Valentine's Day, New Year's Day, Christmas Day, because businessman may carry out some advertising campaigns to stimulate consumer shopping in above-mentioned red-letter day, thus impel user to consume, the payment number of times of user account and the amount of money is caused significantly to increase, and not in above-mentioned no specific time section, user account occurs what payment number of times and the amount of money significantly increased, is improper payment transaction.
If Net silver payment or the self-help charging amount of money are within the scope of the historical trading amount of money; Or Net silver payment is in above-mentioned special time period, payment number of times and the amount of money significantly increase; Then described transaction request is arm's length transaction request, is undertaken by prior art.
Preferably, described abnormal exchanges request comprises improper transaction request of swiping the card.
Described according to the identification of customer transaction rule transaction request be arm's length transaction request or abnormal exchanges request, comprising:
The POS terminal amount of money of swiping the card is more than or equal to the maximum dollar amount that history single swipes the card;
Swipe the card the amount of money within the scope of the 6th preset amount, and history is swiped the card, the amount of money is within the scope of the 5th preset amount or when number of times of swiping the card is less than first threshold; Or
Swipe the card the amount of money within the scope of the 6th preset amount, and swipe the card place and historical trading place be not or not same city; Or
Though swipe the card, the amount of money is within the scope of the 5th preset amount, swipes the card continuously, and when number of times of swiping the card continuously is more than or equal to Second Threshold; Then identifying described transaction request is improper transaction of swiping the card.
5th preset amount scope is 0 ~ 500 yuan, and the 6th preset amount scope is more than 500, and Second Threshold is 5.As less in user's history amount of money of swiping the card, at 0 ~ 500 yuan, and the number of times of swiping the card is no more than 5 times, and certain swipes the card the amount of money more than 500 yuan, then think that this transaction is improper transaction of swiping the card.
If historical transaction record user card punching place is all in Shenzhen, but certain is swiped the card in Beijing, and the amount of money of swiping the card is more than 500 yuan, then think that this transaction is improper transaction of swiping the card.
Although and for example certain account amount of money of swiping the card is little, below 500 yuan, swipes the card for continuous more than 5 times in two hours, also think that this transaction is improper transaction of swiping the card.
As the another kind of optimal way of the present embodiment, the 5th preset amount scope can be other scopes, such as 0 ~ 800 yuan or 0 ~ 1000 yuan, and correspondingly, the 6th preset amount scope can be more than 800 yuan or more than 1000 yuan.
If POS terminal is swiped the card, the amount of money is less than the maximum dollar amount that history single is swiped the card; Or swipe the card the amount of money within the scope of the 5th preset amount, number of times of swiping the card continuously is less than Second Threshold etc.; Then described transaction request is arm's length transaction request, is undertaken by prior art.
The present invention can identify common abnormal exchanges request, improper transaction request of withdrawing the money, improper money transfer transactions request, improper payment transaction request, the improper abnormal exchanges requests such as transaction request of swiping the card, can solve preferably after user loses card on Possum and cause wholesale monetary losses, and card information and encrypted message leak or user has dust thrown into the eyes causes the difficult problem that wholesale loss occurred in user's fund short time.
If the request of S104 abnormal exchanges, then ask user to add authentication, receive abnormal exchanges request described in described authentication aftertreatment.
Preferably, described request user adds authentication and comprises:
Request user re-enters password; Or
Request user inputs the urgent password of abnormal exchanges; Or
Request user carries out biological characteristic validation; Or
Request user input handset identifying code.
User is when opening an account, and the operation for arm's length transaction is same as the prior art, and require to add subscriber authentication for abnormal exchanges, user can arrange the password that abnormal exchanges requirement adds authentication.Thus, may there are two passwords after opening an account in account, and one is often use, and easily divulge a secret, for the ordinary password of arm's length transaction, one is that frequency of utilization is very low, not easily divulges a secret, for the additional identification password of abnormal exchanges; Certainly, user also can not arrange identification password, and that is, user account is opened an account flow process, identical with prior art, like this when self-service dealing runs into abnormal exchanges, requires that user inputs password; In addition, user also can arrange the authentication of mobile phone identifying code or the biological characteristic such as fingerprint, face.
For abnormal exchanges request, the screen interface of finance self-help terminal can eject a dialog box, request user re-enters password, the input urgent password of abnormal exchanges or mobile phone identifying code, if the authentication that user is arranged when opening an account is fingerprint or face biological characteristic, then finance self-help terminal can point out user press fingerprint in corresponding position or carry out Face datection, after submitting authentication to, bank's Batch Processing server is transferred to continue the process of this transaction, namely authentication is obstructed out-of-dately closes the trade, authentication by and account fund sufficiency time complete transaction, while not hindering customer transaction, can prevent to bring the amount of money to lose to user.
A kind of financial self-service equipment method for processing business provided by the invention, customer transaction rule is set up according to the transaction data of user account, identify according to the transaction request of transaction rule to user, after being identified as abnormal exchanges, user is needed to add subscriber authentication, only have when the authentication received by after just can conclude the business, while not hindering customer transaction, ensure that the fund security of user account.Because the most business operation of user belongs to the category of regular traffic, the present invention, while further increasing the safety of Self-Service, also improves the convenience that user carries out Self-Service.
Embodiment two
The embodiment of the present invention be on the basis of embodiment one after add several step, the detail content of the not detailed description of method for processing business of the finance self-help terminal in the present embodiment, can with reference to above-described embodiment.
With reference to figure 2, a kind of Possum method for processing business, comprises following step:
S101, transaction data according to user account, set up customer transaction rule.
S102, receive the transaction request of described user account.
S103, according to the identification of customer transaction rule, transaction request is arm's length transaction request or abnormal exchanges request.
If the request of S104 abnormal exchanges, then ask user to add authentication, receive abnormal exchanges request described in described authentication aftertreatment.
If user abandons inputting identification password, then cancel this transaction, if continuous three the input identification password mistakes of user, then stop this business processing, suspend the account, and point out user's unlocking account method.
If S105 arm's length transaction request, then press arm's length transaction request described in normal procedure process.
S106, concluded the business after, transaction data is preserved into historical trading data storehouse.
No matter be arm's length transaction request or abnormal exchanges request, transaction is once complete, then think that this transaction is for effectively transaction, its transaction data is recorded into historical trading data storehouse, for data mining; Unsuccessful if concluded the business, this transaction is then invalid transaction, and its transaction data can not be recorded into historical trading data storehouse.
Such as, carry out data mining according to the transaction data of certain user account business, find that certain subscriber card history self-service dealing number of times reaches nearly thousand times, card account trading zone of action does not exceed Shenzhen, and time bracket is point in morning 10 to evening 8.Existing evening, 12 these cards had self-service dealing to withdraw the money the transaction request of 10,000 yuan, transaction data sends to bank's background server to carry out business processing by self-aided terminal after obtaining, first bank's background server carries out the identification of this transaction, find that this transaction is compared with this card historical trading data, its exchange hour and the amount of money are extremely, judge that this transaction request is abnormal exchanges request, self-aided terminal request user inputs additional authentication password.
User inputs identification password and after good authentication, transfer to bank's Batch Processing server to continue the process of this business, after reaching the transaction of 10,000 yuan of withdrawing the money smoothly, think that this transaction is for effectively transaction, the transaction data recording this transaction enters historical trading data storehouse, for data mining.If user abandons inputting identification password, cancel this transaction, think that this transaction is invalid transaction, the transaction data abandoning recording this transaction enters historical trading data storehouse simultaneously.If continuous three the input identification password mistakes of user, cancel this transaction, suspend monetary transaction and the transferred account service of this card, and point out user's unlocking account method, think that this transaction is invalid transaction, the transaction data abandoning recording this transaction enters historical trading data storehouse simultaneously.
The method for processing business of a kind of finance self-help terminal provided by the invention, after being abnormal exchanges according to the transaction request of transaction rule identification user, request user adds subscriber authentication, subscriber authentication just can proceed transaction by rear, while not hindering customer transaction, ensure that the fund security of user account.After Transaction Success, preserve transaction data and enter historical trading data storehouse for database mining, can be undertaken by arm's length transaction when similar transaction appears in next time, while the fund security ensureing user account, facilitate user to conclude the business.
Embodiment three
A kind of Possum transaction processing system that the embodiment of the present invention provides is corresponding with embodiment of the method one, and the detail content of not yet detailed description in the present embodiment can with reference to said method embodiment.
With reference to figure 3, a kind of transaction processing system of finance self-help terminal, comprising:
Transaction rule sets up module 201, for the transaction data according to user account, sets up customer transaction rule.System, by analysis, statistics, data mining user account history transaction data, sets up user account transaction rule.
Transaction request receiver module 202, for receiving the transaction request of described user account;
Type of transaction identification module 203 is arm's length transaction request or abnormal exchanges request for transaction request according to the identification of customer transaction rule;
First trade processing module 204, for abnormal exchanges request, asks user to add authentication, receives abnormal exchanges request described in described authentication aftertreatment.
The transaction processing system of a kind of finance self-help terminal that the embodiment of the present invention provides, after being abnormal exchanges request according to transaction rule identification transaction request, user is needed to add subscriber authentication, only have when the authentication received by after just can proceed transaction, while not hindering customer transaction, ensure that the fund security of user account.
Embodiment four
With reference to figure 4, a kind of transaction processing system of finance self-help terminal, the basis of embodiment three also comprises the second trade processing module 205, for normal transaction request, completes described arm's length transaction by normal procedure.
The transaction processing system of a kind of finance self-help terminal provided by the invention, after identifying abnormal exchanges request, require that user adds subscriber authentication, system acceptance is to processing described abnormal exchanges request during authentication, while not hindering customer transaction, ensure that the fund security of user account.After Transaction Success, preserve transaction data and enter historical trading data storehouse for database mining, can be undertaken by arm's length transaction when similar transaction appears in next time, while the fund security ensureing user account, facilitate user to conclude the business.
Below the know-why of the embodiment of the present invention is described in conjunction with specific embodiments; these describe the principle just in order to explain the embodiment of the present invention; and the restriction that can not be interpreted as by any way embodiment of the present invention protection domain; those skilled in the art does not need to pay other embodiment that performing creative labour can associate the embodiment of the present invention, these modes all by fall into the embodiment of the present invention protection domain within.
Claims (10)
1. a method for processing business for finance self-help terminal, is characterized in that, comprising:
According to the transaction data of user account, set up customer transaction rule;
Receive the transaction request of described user account;
According to the identification of customer transaction rule, transaction request is arm's length transaction request or abnormal exchanges request;
If abnormal exchanges request, then ask user to add authentication, receive abnormal exchanges request described in described authentication aftertreatment.
2. the method for processing business of a kind of finance self-help terminal as claimed in claim 1, it is characterized in that, the described transaction data according to user account, set up customer transaction rule to be specially: set up historical trading data storehouse, transaction data is preserved in described historical trading data storehouse, carry out data mining according to described transaction data, set up customer transaction rule.
3. the method for processing business of a kind of finance self-help terminal as claimed in claim 1, is characterized in that, described abnormal exchanges request comprises common abnormal exchanges request;
The described transaction data according to user account, sets up customer transaction rule, comprising: according to the transaction data of user account, sets up the exchange hour scope of described user account, loco scope, dealing money scope;
Described according to the identification of customer transaction rule transaction request be arm's length transaction request or abnormal exchanges request, comprising: obtain the exchange hour of described transaction request, loco, dealing money; If described exchange hour does not belong to described exchange hour scope, or described loco does not belong to described loco scope, or dealing money does not belong to described dealing money scope, then identifying described transaction request is common abnormal exchanges request.
4. the method for processing business of a kind of finance self-help terminal as claimed in claim 1, is characterized in that, described abnormal exchanges request comprises improper transaction request of withdrawing the money;
Described according to the identification of customer transaction rule transaction request be arm's length transaction request or abnormal exchanges request, comprising:
After the small amount that user completes a first preset amount scope is withdrawn the money, the wholesale of carrying out within the scope of second preset amount is withdrawn the money; Or
All first can carry out inquiry business before user's historical transaction record user withdraws the money at every turn, and this transaction is not carried out inquiry business and directly withdrawn the money, withdraw funds is within the scope of the second preset amount; Or
User withdraws the money at least three times continuously, and withdraw funds is within the scope of the first preset amount; Then identifying described transaction request is improper transaction request of withdrawing the money.
5. the method for processing business of a kind of finance self-help terminal as claimed in claim 1, is characterized in that, described abnormal exchanges request comprises improper money transfer transactions request;
Described according to the identification of customer transaction rule transaction request be arm's length transaction request or abnormal exchanges request, comprising:
User is simultaneously toward at least three account transfer, and historical trading does not record this behavior; Or
User's at least three continuous past same account transfer, transfer amounts is within the scope of the 3rd preset amount; Or
User is toward the account transfer never having historical context business with this card, and transfer amounts is within the scope of the 4th preset amount; Or
Net silver is transferred accounts exception, produces the amount of money continuously at least three times; Or
All first can carry out inquiry business before user's historical transaction record user transfers accounts at every turn, and this transaction is not carried out inquiry business and directly transferred accounts, transfer amounts is within the scope of the 4th preset amount; Then identifying described transaction request is improper money transfer transactions.
6. the method for processing business of a kind of finance self-help terminal as claimed in claim 1, is characterized in that, described abnormal exchanges request comprises improper payment transaction request;
Described according to the identification of customer transaction rule transaction request be arm's length transaction request or abnormal exchanges request, comprising:
Self-service payment terminal place and history payment terminal place be not or not same city; Or
Compared with paying the fees with history, the self-service payment terminal payment amount of money is large; Or
Compared with paying the fees with history, the Net silver payment amount of money is large; Or
Net silver payment is in no specific time section, and payment number of times and the amount of money significantly increase; Then identifying described transaction request is improper payment transaction request.
7. the method for processing business of a kind of finance self-help terminal as claimed in claim 1, is characterized in that, described abnormal exchanges request comprises improper transaction request of swiping the card;
Described according to the identification of customer transaction rule transaction request be arm's length transaction request or abnormal exchanges request, comprising:
The POS terminal amount of money of swiping the card is more than or equal to the maximum dollar amount that history single swipes the card;
Swipe the card the amount of money within the scope of the 6th preset amount, and history is swiped the card, the amount of money is within the scope of the 5th preset amount or when number of times of swiping the card is less than first threshold; Or
Swipe the card the amount of money within the scope of the 6th preset amount, and swipe the card place and historical trading place be not or not same city; Or
Though swipe the card, the amount of money is within the scope of the 5th preset amount, swipes the card continuously, and when number of times of swiping the card continuously is more than or equal to Second Threshold; Then identifying described transaction request is improper transaction of swiping the card.
8. the method for processing business of a kind of finance self-help terminal as claimed in claim 1, is characterized in that, described request user adds authentication and comprises:
Request user re-enters password; Or
Request user inputs the urgent password of abnormal exchanges; Or
Request user carries out biological characteristic validation; Or
Request user input handset identifying code.
9. the method for processing business of a kind of finance self-help terminal as claimed in claim 2, it is characterized in that, it is described after according to the identification of customer transaction rule, transaction request is arm's length transaction request or abnormal exchanges request, also comprise: if arm's length transaction request, then press arm's length transaction request described in normal procedure process, after having concluded the business, transaction data is preserved into described historical trading data storehouse;
Described receive abnormal exchanges request described in described authentication aftertreatment after, also comprise: after having concluded the business, transaction data preserved into described historical trading data storehouse.
10. a transaction processing system for finance self-help terminal, is characterized in that, comprising:
Transaction rule sets up module, for the transaction data according to user account, sets up customer transaction rule;
Transaction request receiver module, for receiving the transaction request of described user account;
Type of transaction identification module is arm's length transaction request or abnormal exchanges request for transaction request according to the identification of customer transaction rule;
First trade processing module, for abnormal exchanges request, asks user to add authentication, receives abnormal exchanges request described in described authentication aftertreatment.
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| CN201510434306.2A CN104992324A (en) | 2015-07-22 | 2015-07-22 | Service processing method of self-service device and service processing system of self-service device |
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