CN106056448A - Internet financial risk control system - Google Patents
Internet financial risk control system Download PDFInfo
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- CN106056448A CN106056448A CN201610573385.XA CN201610573385A CN106056448A CN 106056448 A CN106056448 A CN 106056448A CN 201610573385 A CN201610573385 A CN 201610573385A CN 106056448 A CN106056448 A CN 106056448A
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- transaction
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- risk control
- internet
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Classifications
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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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
-
- 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
- G06Q20/40145—Biometric identity checks
Abstract
The invention discloses an internet financial risk control system, which relates to the technical field of internet financial risk control. The workflow is as follows: fingerprint input is carried out on a user; in the case of transaction, a network transaction system stores a password input frequency, an interface clicking sequence and a time interface in the case of first three transactions by the user; starting from the fourth transaction, password input, an interface clicking sequence and a time interface when the user performs online transactions are compared with data stored in the system; when the difference between the input time and the sequence and the data stored in the system after comparison is smaller than 20%, the transaction is continued; if the difference between the input time and the sequence and the data stored in the system after comparison is larger than 20%, fingerprint input is carried out; the network transaction system stores a password input frequency, an interface clicking sequence and a time interface in the case of three transactions after user fingerprint verification; and in the case of inconsistent fingerprint input, the transaction is closed, and the client goes to a bank for identity verification and restores the transaction system. The problem that an account is stolen in the case of an internet financial transaction is solved.
Description
Technical field
The present invention relates to financial field, the Internet, be specifically related to the Internet Financial Risk Control skill
Art.
Background technology
Nowadays the Internet financial development is rapid, linearly ascendant trend.The Internet finance is with mutually
Networking is carrier, is arranged by market environment, then the most inevitably there is risk.The Internet
The risk that finance exists has: one, credit risk；Two, legal positioning is failed to understand；Three, mobility
Risk；Four, the risk of the higher existence of difficulty is supervised；Five, information leakage risk；Six, interconnection
There is technical risk in net finance.Wildness when network swindle at present, financial swindling, is utilizing
In the financial transaction of the Internet, there is the biggest financial risks, how to prevent financial risks to become
A difficult problem.
Chinese patent literature ZL201420464506.3, discloses a kind of the Internet Financial Information
The risk control system of examination & verification, this patent Bi Liao borrower's company is random in the operation of the fund of granting
Property big feature, by power turn-on circuit, when only debt-credit client's fingerprint at the same time pass through,
Under the conditions of Password Input correctly waits, POS could be triggered and swipe the card module so that personalized lending
Company can provide special fund, and the flow direction of fund can directly be known in such bank, it is simple to wind
The control of danger, the development for market economy provides due effect.
But in the Internet financial transaction, the most often occur that the stolen problem of account, theft all can
Decode other people password, or steal the mobile phone account number of victim, verified by mobile phone, enter
The bank account of victim, and the fund of victim is shifted, once find problems, by
In not preventing in time, the substantial amounts of economic loss of victim can be caused.Avoid this type of financial at present
Risk or a technical barrier.
Summary of the invention
The present invention provides a kind of the Internet Financial Risk Control system, and the present invention solves in interconnection
In net financial transaction, the stolen problem of account.
For solving the problems referred to above, the present invention adopts the following technical scheme that the Internet financial risks control
System processed, its workflow is as follows:
(1) internet trading system carries out fingerprint typing to user；
(2) prime risk controls when transaction, and internet trading system is by first three friendship of user
Password Input frequency, click interface order time easily enter storage with time interval；
(3) light breeze danger controls to start, to user when online transaction from the 4th transaction
The data that password typing, click interface order and time interval and system store contrast；
(4) after tertiary risk controls contrast, input time and order store data with system
Difference is less than 20%, then continuous business；
(5) level Four risk control after the contrast of step (3) input time and order with
System storage data differ by more than 20% and carry out fingerprint typing；
(6) logging data of Pyatyi risk control fingerprint and return step (4) when being consistent, with
Time internet trading system by user fingerprints verify after three times transaction time Password Input frequency, point
Hit interface order and time interval enters storage；
(7) the fingerprint typing of strong breeze danger rate-determining steps (5) does not corresponds, and transaction is closed,
Client goes to bank carry out authentication and recover transaction system.
Advantages of the present invention has: the Control System Design of strong breeze danger is reasonable, successively control effectively rule
Keep away account in online transaction stolen and make the property loss of user.System is for different industry
Business, multistage rights management, multistage authentication, and automatically each is operated and operate
Content carries out the system journal record on backstage, can search daily record easily and position, and protects
Barrier operation track can be with postmortem.Under the supervision of native system, the situation of network trading can
The most monitored, once note abnormalities transaction, can close transaction system in time, allows client carry out
Fingerprint authentication, it is ensured that the property safety of user.
Accompanying drawing explanation
Fig. 1 is flow chart of the present invention.
Detailed description of the invention
By optimal embodiment, the present invention is described in detail below.
As it is shown in figure 1, the Internet Financial Risk Control system, its workflow is as follows:
(1) internet trading system carries out fingerprint typing to user；
(2) when transaction, internet trading system is by defeated for password during first three transaction of user
Enter frequency, click on interface order and time interval entrance storage；
(3) start from the 4th transaction, to user's password typing when online transaction, point
Hit interface order and data that time interval and system store contrast；
(4) after contrast, input time and order differ less than 20% with system storage data,
Then continuous business；
(5) after the contrast of step (3), input time and order store data with system
Differ by more than 20% and carry out fingerprint typing；
(6) fingerprint logging data and return step (4), network trading system simultaneously when being consistent
Unite by user fingerprints verify after three times transaction time Password Input frequency, click on interface order and
Time interval enters storage；
(7) the fingerprint typing of step (5) does not corresponds, and transaction is closed, and client goes to bank
Carry out authentication and recover transaction system.
Last it is noted that obvious, above-described embodiment is only for clearly demonstrating the present invention
Example, and not restriction to embodiment.Ordinary skill people for art
For Yuan, change or the change of other multi-form can also be made on the basis of the above description
Dynamic.Here without also cannot all of embodiment be given exhaustive.And thus amplified out
Obviously change or change among still in protection scope of the present invention.
Claims (1)
1. the Internet Financial Risk Control system, it is characterised in that workflow is as follows:
(1) internet trading system carries out fingerprint typing to user；
(2) prime risk controls when transaction, and internet trading system is by first three friendship of user
Password Input frequency, click interface order time easily enter storage with time interval；
(3) light breeze danger controls to start, to user when online transaction from the 4th transaction
The data that password typing, click interface order and time interval and system store contrast；
(4) after tertiary risk controls contrast, input time and order store data with system
Difference is less than 20%, then continuous business；
(5) level Four risk control after the contrast of step (3) input time and order with
System storage data differ by more than 20% and carry out fingerprint typing；
(6) logging data of Pyatyi risk control fingerprint and return step (4) when being consistent, with
Time internet trading system by user fingerprints verify after three times transaction time Password Input frequency, point
Hit interface order and time interval enters storage；
(7) the fingerprint typing of strong breeze danger rate-determining steps (5) does not corresponds, and transaction is closed,
Client goes to bank carry out authentication and recover transaction system.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610573385.XA CN106056448A (en) | 2016-07-21 | 2016-07-21 | Internet financial risk control system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610573385.XA CN106056448A (en) | 2016-07-21 | 2016-07-21 | Internet financial risk control system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106056448A true CN106056448A (en) | 2016-10-26 |
Family
ID=57188628
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201610573385.XA Pending CN106056448A (en) | 2016-07-21 | 2016-07-21 | Internet financial risk control system |
Country Status (1)
| Country | Link |
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| CN (1) | CN106056448A (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107153562A (en) * | 2017-06-01 | 2017-09-12 | 珠海市魅族科技有限公司 | A kind of method, device and the storage medium of control of taking pictures |
Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101299254A (en) * | 2008-06-16 | 2008-11-05 | 李丽丽 | Payment system and payment method thereof |
| CN104732378A (en) * | 2013-12-19 | 2015-06-24 | 青岛盛嘉信息科技有限公司 | Identity verification method |
| CN105260890A (en) * | 2015-09-25 | 2016-01-20 | 镇江明泰信息科技有限公司 | On-line secure payment method based on multi-domain user information big data analysis |
-
2016
- 2016-07-21 CN CN201610573385.XA patent/CN106056448A/en active Pending
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101299254A (en) * | 2008-06-16 | 2008-11-05 | 李丽丽 | Payment system and payment method thereof |
| CN104732378A (en) * | 2013-12-19 | 2015-06-24 | 青岛盛嘉信息科技有限公司 | Identity verification method |
| CN105260890A (en) * | 2015-09-25 | 2016-01-20 | 镇江明泰信息科技有限公司 | On-line secure payment method based on multi-domain user information big data analysis |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107153562A (en) * | 2017-06-01 | 2017-09-12 | 珠海市魅族科技有限公司 | A kind of method, device and the storage medium of control of taking pictures |
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| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| CB02 | Change of applicant information |
Address after: 830000 Times Square Area, 59 Guangming Road, Tianshan District, Urumqi City, Xinjiang Uygur Autonomous Region Applicant after: Xinjiang Hui'en Nationwide Financial Services Inc Address before: 830000 Times Square Area, 59 Guangming Road, Tianshan District, Urumqi City, Xinjiang Uygur Autonomous Region Applicant before: Xinjiang Hui'en Internet Technology Co. Ltd. |
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| CB02 | Change of applicant information | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20161026 |
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| RJ01 | Rejection of invention patent application after publication |