CN106408282A - Transfer service processing method and system of self-service terminal - Google Patents
Transfer service processing method and system of self-service terminal Download PDFInfo
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- CN106408282A CN106408282A CN201610724308.XA CN201610724308A CN106408282A CN 106408282 A CN106408282 A CN 106408282A CN 201610724308 A CN201610724308 A CN 201610724308A CN 106408282 A CN106408282 A CN 106408282A
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- account
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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
-
- 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
- G06Q20/206—Point-of-sale [POS] network systems comprising security or operator identification provisions, e.g. password entry
-
- 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
- G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
Abstract
The invention discloses a transfer service processing method and system of a self-service terminal. The method comprises that when a user carries out a transfer service operation in the self-service terminal, the account number of an outflow account and the account number of an inflow account of the transfer service operation are obtained; the association level between the outflow account and the inflow account is inquired in a bank server according to the account number of the outflow account and the account number of the inflow account, and the risk level of the transfer service operation is obtained according to the association level; and a display style and an alarm manner of a transfer prompt interface as well as a transfer strategy corresponding to the transfer service operation is determined according to the risk level. According to the invention, customized prompt interfaces of different alarm levels can be provided for users according to the risk levels of transfer services, the users pay attention to the transfer safety to the largest degree, maloperation of transfer of the user is reduced, and the risk of making transfer mistakes is reduced.
Description
Technical field
The present invention relates to self-aided terminal field, the transferred account service processing method of more particularly, to a kind of self-aided terminal and system.
Background technology
In recent years, the application of bank self-help terminal achieves and develops rapidly, and is counted according to Central Bank, various places bank at the end of 2013
The quantity of self-aided terminal amounts to 520,000, reaches 61.49 ten thousand at the end of 2014, reaches 86.67 ten thousand at the end of 2015.With domestic to certainly
Help the continuous growth of the demand of service, the safety of self-help terminal equipment is also increasingly paid close attention to by people, how to improve certainly
Help the safety of terminal, reduce the operating error of self-aided terminal, realize self-aided terminal service personalization, the excessive risk reducing user turns
Account operates, and saves the operation duration of Self-Service, strengthens concertedness and the intellectuality of self-aided terminal man-machine interaction, becomes current
The study hotspot of finance self-help field of terminal technology.
At present, the self-service business that self-aided terminal provides mainly includes inquiring about, withdraw the money, deposit, transfer accounts, pay the fees and change close etc.
Business, the input of most service parameters briefly facilitates, does not need to remember, and only transferred account service needs user input and checks
The bank's card number proceeding to account of 19 bit length numerals, needs user to carry out using code keypad yet with most of occasion defeated
Enter, and the safe radical occlusion device of code keypad can hinder the input operation of user, be therefore easily caused user input and proceed to account
Bank's card number, therefore after the complete bank's card number proceeding to account of user input, need to be shown by self-aided terminal and proceed to account
Bank's card number is pointed out to user with the account name proceeding to account, so that user is judged according to the prompting interface that self-aided terminal shows
Whether what it inputted proceeds to account correct.However, whether the confession user verification that in prior art, self-aided terminal shows proceeds to account
Correct prompting interface carries out personal settings not according to the risk height proceeding to account, all types of proceeds to carrying of account
Show interface all same it is difficult to the special vigilance that causes user that excessive risk is transferred accounts, be easily caused the operation of user's inertia, thus
It is likely to that the correctness that erroneous judgement section proceeds to account occurs, bring economic loss to user.
Content of the invention
The embodiment of the present invention provides a kind of transferred account service processing method system of self-aided terminal it is intended to solve above-mentioned self-service end
The confession user verification of end display proceeds to account, and correct prompting interface is carried out not according to the risk height proceeding to account
Propertyization is arranged, and all types of prompting interface all sames proceeding to account are it is difficult to cause the spy that user transfers accounts to excessive risk
Other vigilance, is easily caused the operation of user's inertia, thus being likely to erroneous judgement section occurs proceed to the correctness of account, to user bring through
The problem of Ji loss.
In a first aspect, embodiments providing a kind of transferred account service processing method of self-aided terminal, the method includes：
When user carries out transferred account service operation on self-aided terminal, obtain the account producing account of transferred account service operation
With the account proceeding to account；
According to the described account of account and the described account producing account of producing to described turn of described bank server inquiry
Go out account and the described relevance grades proceeding between account, and obtain the wind of this transferred account service operation according to described relevance grades
Dangerous grade；
According to described risk class determine the display styles of the corresponding prompting interface of transferring accounts of this transferred account service operation with
Alarm mode and strategy of transferring accounts.
On the basis of technique scheme, described in described basis, produce the account of account and the described account producing account
Produce account to described in the inquiry of described bank server and the described relevance grades proceeding between account specifically include：
According to the described account of account and the described account proceeding to account of producing to described turn of described bank server inquiry
Go out account and described proceeding to whether there is the frequency that historical trading and historical trading occur, to obtain between the two between account
The first association results；
According to the described account of account and the described account proceeding to account of producing to described turn of described bank server inquiry
Entering account with respect to the described classification producing account is local account or strange land account, obtains the second association results；
Produce account and described proceed to according to described first association results and described second association results calculate
Relevance grades between account.
On the basis of technique scheme, described in described basis, produce the account of account and the described account producing account
Produce account and the described relevance grades proceeding between account to described in the inquiry of described bank server, and according to described association etc.
Level also includes after obtaining the risk class that this transferred account service operates：
According to the described account of account and the described account proceeding to account of producing to described turn of described bank server inquiry
Whether there is the account close with the described account proceeding to account in the account of historical trading account going out account；
If there being the account close with the described account proceeding to account, this transferred account service behaviour is adjusted according to default quantized value
The risk class made.
On the basis of technique scheme, described in described basis, produce the account of account and the described account proceeding to account
Whether have and the described account that proceeds to in the account of the historical trading account producing account described in the inquiry of described bank server
Also include before the close account of account：
The bank credit grade of account is proceeded to according to the described account proceeding to account is to bank server inquiry；
Risk class according to the operation of described this transferred account service of bank credit level adjustment.
On the basis of technique scheme, described according to described this transferred account service of bank credit level adjustment operation
Risk class specifically includes：
Jointly calculate the risk class of this business operation according to described bank credit grade and described relevance grades.
The purpose of another embodiment of the present invention is to provide a kind of transferred account service processing system of self-aided terminal, including：
Account acquiring unit, for when user carries out transferred account service operation on self-aided terminal, obtaining transferred account service behaviour
That makees produces the account of account and proceeds to the account of account；
Risk class computing unit, for according to the described account of account and the described account producing account of producing to described
Produce account and the described relevance grades proceeding between account described in bank server inquiry, and obtained according to described relevance grades
The risk class of this transferred account service operation；
Prompting interface select unit, for according to described risk class determine this transferred account service operation corresponding to transfer accounts
The display styles of prompting interface and alarm mode and strategy of transferring accounts.
On the basis of technique scheme, described risk class computing unit specifically includes：
First association results acquiring unit, for according to described produce the account of account and the described account proceeding to account to
Produce account described in described bank server inquiry and described proceeding to whether there is historical trading and historical trading between account
The frequency occurring, to obtain the first association results between the two；
Second association results acquiring unit, for according to described produce the account of account and the described account proceeding to account to
Proceeding to account with respect to the described classification producing account described in described bank server inquiry is local account or strange land account,
Obtain the second association results；
Relevance grades computing unit, for calculating institute according to described first association results and described second association results
State and produce account and the described relevance grades proceeding between account.
On the basis of technique scheme, also include：
Close trading account query unit, for according to described produce the account of account and the described account proceeding to account to
Whether have and the described account proceeding to account in the account of historical trading account producing account described in described bank server inquiry
Number close account；
First risk class adjustment unit, if for there being the account close with the described account proceeding to account, according to pre-
If producing account and the described relevance grades proceeding between account described in quantized value adjustment.
On the basis of technique scheme, also include：
Credit grade computing unit, for according to the described account proceeding to account to bank server inquiry described in proceed to account
The bank credit grade at family；
Second risk class adjustment unit, for the wind being operated according to described this transferred account service of bank credit level adjustment
Dangerous grade.
On the basis of technique scheme, described second risk class adjustment unit specifically for：
Jointly calculate the risk class of this business operation according to described bank credit grade and described relevance grades.
Implement a kind of transferred account service processing method of self-aided terminal provided in an embodiment of the present invention and system has and following has
Beneficial effect：
The embodiment of the present invention is by when user carries out transferred account service operation on self-aided terminal, obtaining transferred account service operation
Produce the account of account and proceed to the account of account；According to described produce the account of account and the described account producing account to
Account and the described relevance grades proceeding between account are produced described in described bank server inquiry, and according to described relevance grades
Obtain the risk class of this transferred account service operation；Turning according to corresponding to described risk class determines the operation of this transferred account service
The display styles of account prompting interface and alarm mode and strategy of transferring accounts, such that it is able to the root when user carries out transferred account service operation
Provide the user the personalized prompting interface with different alarm levels according to the height of the risk class of this transferred account service, can
Farthest cause user's concern money transfer secure, reduce user and transfer accounts maloperation, reduce user and transfer accounts wrong risk.
Brief description
In order to be illustrated more clearly that embodiment of the present invention technical scheme, required use in embodiment being described below
Accompanying drawing be briefly described it should be apparent that, drawings in the following description are some embodiments of the present invention, general for this area
For logical technical staff, on the premise of not paying creative work, other accompanying drawings can also be obtained according to these accompanying drawings.
Fig. 1 is a kind of exemplary flow of the transferred account service processing method of self-aided terminal that first embodiment of the invention provides
Figure；
Fig. 2 is a kind of exemplary flow of the transferred account service processing method of self-aided terminal that second embodiment of the invention provides
Figure；
Fig. 3 is a kind of exemplary flow of the transferred account service processing method of self-aided terminal that third embodiment of the invention provides
Figure；
Fig. 4 is a kind of schematic frame of the transferred account service processing system of self-aided terminal that first embodiment of the invention provides
Figure；
Fig. 5 is a kind of schematic frame of the transferred account service processing system of self-aided terminal that second embodiment of the invention provides
Figure；
Fig. 6 is a kind of schematic frame of the transferred account service processing system of self-aided terminal that third embodiment of the invention provides
Figure.
Specific embodiment
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is carried out clear, complete
Site preparation description is it is clear that described embodiment a part of embodiment that is the present invention, rather than whole embodiments.Based on this
Embodiment in bright, the every other enforcement that those of ordinary skill in the art are obtained under the premise of not making creative work
Example, broadly falls into the scope of protection of the invention.
It should be appreciated that when using in this specification and in the appended claims, term " inclusion " and "comprising" indicate
The presence of described feature, entirety, step, operation, element and/or assembly, but it is not precluded from one or more of the other feature, whole
Body, step, operation, the presence of element, assembly and/or its set or interpolation.
It is also understood that the term used in this description of the invention is merely for the sake of the mesh describing specific embodiment
And be not intended to limit the present invention.As used in description of the invention and appended claims, unless on
Hereafter clearly indicate other situations, otherwise " one " of singulative, " one " and " being somebody's turn to do " are intended to including plural form.
It will be further appreciated that, used in description of the invention and appended claims, term "and/or" is
Refer to any combinations of one or more of the associated item listed and be possible to combine, and include these combinations.
As used in this specification and in the appended claims, term " if " can be according to context quilt
Be construed to " when ... " or " once " or " in response to determining " or " in response to detecting ".Similarly, phrase " if it is determined that " or
" if [described condition or event] is detected " can be interpreted to mean according to context " once it is determined that " or " in response to true
Fixed " or " once [described condition or event] is detected " or " in response to [described condition or event] is detected ".
Referring to Fig. 1, it is a kind of signal stream of the transferred account service processing method that first embodiment of the invention provides self-aided terminal
Cheng Tu, as shown in figure 1, the method may include following steps：
In S101, when user carries out transferred account service operation on self-aided terminal, obtain producing of transferred account service operation
The account of account and the account proceeding to account.
In the present embodiment, step S101 specifically includes：
When user carries out transferred account service operation on self-aided terminal, detect whether this operation is to have card to operate；
If there being card to operate, then read the account information corresponding to the bank card that on self-aided terminal, user inserts or bankbook
As the account producing account, and record the account proceeding to account that user carries out inputting during transferred account service operation；
If no card operation, then directly record user carries out producing the account of account and proceeding to account of input during business operation
The account at family.
In S102, produce the account of account and the described account producing account is looked into described bank server according to described
Produce account and the described relevance grades proceeding between account described in inquiry, and obtain this transferred account service according to described relevance grades
The risk class of operation.
Wherein, produce the account of account described in described basis and the described account producing account is looked into described bank server
Produce account described in inquiry and the described relevance grades proceeding between account specifically include：
According to the described account of account and the described account proceeding to account of producing to described turn of described bank server inquiry
Go out account and described proceeding to whether there is the frequency that historical trading and historical trading occur, to obtain between the two between account
The first association results；
According to the described account of account and the described account proceeding to account of producing to described turn of described bank server inquiry
Entering account with respect to the described classification producing account is local account or strange land account, obtains the second association results；
Produce account and described proceed to according to described first association results and described second association results calculate
Relevance grades between account.
In the present embodiment, described first association results include onrelevant, relevant and frequently associate three types；Institute
State the second association results and include local account and strange land account two types.Wherein, described according to the first association results and described
Second association results produce account and the described relevance grades proceeding between account are specially described in calculating：
According to described first association results and described second association results by described produce account and described proceed to account it
Between relevance grades be divided into：Strange land stranger's account, local stranger's account, relevant trading account, frequent connected transaction
Four relevance grades of account, these four risk class corresponding to type association grade successively decrease successively, i.e. strange land stranger account
Corresponding serious risk rank, local stranger's account correspond to greater risk rank, relevant trading account corresponds to average risk level
Not, frequent connected transaction account corresponds to less risk class.
In S103, showing of the corresponding prompting interface of transferring accounts of this transferred account service operation is determined according to described risk class
Show style and alarm mode and strategy of transferring accounts.
In the present embodiment, the transferred account service operation of different risk classes is to should have different strategies of transferring accounts.Further,
Described strategy of transferring accounts include transferring accounts immediately finishing type, the type that allows to go back on one's word in a specified time, add checking user identity type and need
Want other people confirmation types.
Wherein, transfer accounts immediately finishing type：Refer to that, after user completes transfer operation, the amount of money immediately enters and proceeds to account, turn
Account horse back completes.
Wherein, allow, in a specified time, type of going back on one's word：Refer to after user completes transfer operation, transfer amounts are not immediately
It is transferred to and proceed to account it is allowed to user is in a specified time, such as：8 hours or in 1 day, carry out cancelling operation, only when
Exceed transfer amounts when this time limit user is not cancelled and just can enter and proceed to account, transfer accounts and just really complete.This mode
Take and the transfer amounts producing account are first divided into bank's intermediate account, turned when not cancelling more than a specified time user
During account operation, fund is gone to and proceeds to account by bank's intermediate account again, when in a specified time, user carries out cancelling transfer operation
When, fund is returned to and produces account by bank's intermediate account again.Preferably, this kind of mode can also be according to the height of risk class
Low, set different transfer amounts to the account time limit, risk is higher, transfer amounts longer to the account time limit.
Wherein, add checking user identity type：Refer to when user carries out transfer operation, if proceeding to the risk class of account
Exceed predetermined level, then this transfer operation is carried out strengthening needing during authentication, such as transfer operation inputting Double-puzzle or
Need to carry out biometric authentication etc., only strengthen authentication and pass through, transferred account service just may proceed to down, otherwise can stop to execute.
Wherein it is desired to other people confirmation types：Refer to when user carries out transfer operation, if the risk class proceeding to account exceedes
Predetermined level, then in this transfer operation to other people terminal bound in advance send identifying code it is desirable to this is transferred accounts behaviour
Need to be confirmed by other people, to prevent user from having dust thrown into the eyes, only when identifying code is told user by other people and user is correct
After input validation code, transferred account service just can proceed.
In addition, realizing in example at other, strategy of transferring accounts can also be according to the different permission of different risk class settings
The amount of money transferred accounts, risk is higher to allow the amount of money transferred accounts less, and priming the pump allows the Maximum Amount of account transfer for bank.
In the present embodiment, different risk classes to should have have different display styles and alarm mode prompting circle
Face.Wherein, risk class is higher, and the display styles adopting in prompting interface are more eye-catching, and alert the prompting corresponding to mode
Sound is louder.For example:Implement in example one, we can be according to the high low setting muli-sounds alarm of risk class
Mode, the sound alarm mode of priming the pump grade is set to prompting mode of transferring accounts of the prior art, with risk class
Raising, auditory tone cueses are more notable, point out number of times more, louder；Equally we can be according to the high low setting of risk class
For the different display styles of prompting interface setting, the display styles of priming the pump grade are set to display side of the prior art
Formula, risk is higher, and the display of prompting interface is more eye-catching, and the time of display is longer, and the step that interface determines is more frequent.
Above as can be seen that a kind of transferred account service processing method of self-aided terminal of the present embodiment offer is by existing as user
When transferred account service operation is carried out on self-aided terminal, obtain producing the account of account and proceeding to the account of account of transferred account service operation
Number；According to described produce the account of account and the described account producing account to described bank server inquire about described in produce account
And described relevance grades proceeding between account, and obtain risk of this transferred account service operation according to described relevance grades etc.
Level；The display styles of the prompting interface of transferring accounts according to corresponding to described risk class determines the operation of this transferred account service and alarm side
Formula and strategy of transferring accounts, such that it is able to the height of the risk class according to this transferred account service when user carries out transferred account service operation
Low provide the user the personalized prompting interface with different alarm levels, can farthest cause user's concern to transfer accounts peace
Entirely, reduce user to transfer accounts maloperation, reduce user and transfer accounts wrong risk.
Fig. 2 shows a kind of signal stream of the transferred account service processing method of self-aided terminal that second embodiment of the invention provides
Cheng Tu.Shown in Figure 2, with respect to a upper embodiment, in the present embodiment, in the account producing account described in described basis and
The described account producing account to described bank server inquire about described in produce account and the described association proceeding between account etc.
Level, and according to described relevance grades obtain this transferred account service operation risk class after also include：
In S102-1, according to the described account of account and the described account proceeding to account of producing to described bank server
Whether there is the account close with the described account proceeding to account in the account of historical trading account producing account described in inquiry；
In S102-2, if there being the account close with the described account proceeding to account, according to default quantized value adjustment this
The risk class of secondary transferred account service operation.
In the present embodiment, if having in the account in the described historical trading account producing account and the described account that proceeds to
The close account of account, for example：Have highly similar to the described account proceeding to account in the account of historical trading account, only one
Position or the account of two digits other digital all sames of difference, then illustrate now user there is a strong possibility has inputed account by mistake, this is
Very excessive risk account, needs user is carried out special suggestion, therefore in this case can be in the risk class having determined that
In the case of again according to default quantized value adjust described risk class.For example：If calculate this turn according to relevance grades before
Account business operation be the strange account in strange land, its risk class corresponding risk quantification value be 100 (wherein, risk class is higher, its
Corresponding risk quantification value is less), the close account of the account due to detecting in historical trading account with currently proceed to account,
And the default quantized value that self-aided terminal is close account setting is 50, then the risk quantum adjusting the operation of this transferred account service is adjusted
Whole is 50, and so the risk of this transferred account service operation, apparently higher than general strange land stranger's account, can play to user
More significantly reminding effect, points out user to be noticed that whether that inputting mistake proceeds to account.
Above as can be seen that the present embodiment provide a kind of self-aided terminal transferred account service processing method equally can with
Family carries out being provided the user according to the height of the risk class of this transferred account service and having different alert level during transferred account service operation
Other personalization prompting interface, can farthest cause user's concern money transfer secure, reduce user and transfer accounts maloperation, reduce
User transfers accounts the risk of mistake, and with respect to a upper embodiment, and the present embodiment can substantially may the wrong account of input in user
In the case of, more significantly carries out indicating risk to user it is ensured that enough concerns of user can be caused.
Fig. 3 is a kind of exemplary flow of the transferred account service processing method of self-aided terminal that third embodiment of the invention provides
Figure.Shown in Figure 3, with respect to a upper embodiment, produce the account of account and described proceed to according to described described in the present embodiment
The account of account to described bank server inquire about described in produce account historical trading account account in whether have with described
Also include before the close account of account proceeding to account：
According to the described account proceeding to account is to bank server inquiry, in S102-3, proceed to bank's letter of account
Use grade.
In the present embodiment, bank server can enter to account credit to account credit classification and computational methods according to bank
Row quantifies, and by the credit quantized value return value self-aided terminal proceeding to account getting；If bank does not quantify to credit,
And only done qualitative regulation and had several credit levels, then self-aided terminal proceeds to account receive bank server transmission
During credit grade, can according to preset value, the credit grade proceeding to account be quantified, for example：If first, second, third, the credit of fourth
Grade reduces successively, then by preset value it is carried out with assignment quantization, first, second, third, the credit quantized value of fourth be respectively 30,
10、5、2.
In S102-4, according to the risk class of described this transferred account service of bank credit level adjustment operation.
In the present embodiment, step S103-2 specifically includes：Common according to described bank credit grade and described relevance grades
With the risk class calculating this business operation.
In the present embodiment, self-aided terminal receive bank service its send proceed to account relevance grades when, with
Sample can carry out quantification treatment according to preset value to it, for example：If first, second, third, the relevance grades of fourth reduce successively, then logical
Cross preset value and it carried out with assignment quantization, first, second, third, the association measurement value of fourth be respectively 20,10,3,1.Then, by described pass
Connection quantized value and described credit quantized value are weighted processing, and obtain risk quantification value, and then are worth to wind according to risk quantification
Dangerous rank.
A kind of transferred account service processing method of the self-aided terminal providing with respect to a upper embodiment, the present embodiment will be due to turning
The credit grade entering account is included in the design conditions of risk class, therefore, it is possible to carry out more accurate risk to proceeding to account
Judge, advantageously make, in auxiliary user, judgements of correctly being transferred accounts, reducing user and transferring accounts maloperation, reduction user transfers accounts
Turn wrong risk.
Fig. 4 shows a kind of the schematic of the transferred account service processing system of self-aided terminal that first embodiment of the invention provides
Block diagram.For convenience of description, illustrate only part related to the present embodiment.
Shown in Figure 4, a kind of transferred account service processing system of self-aided terminal that the present embodiment provides, including：
Account acquiring unit 1, for when user carries out transferred account service operation on self-aided terminal, obtaining transferred account service behaviour
That makees produces the account of account and proceeds to the account of account；
Risk class computing unit 2, for according to the described account of account and the described account producing account of producing to institute
State and produce account and the described relevance grades proceeding between account described in bank server inquiry, and obtained according to described relevance grades
Take the risk class of this transferred account service operation；
Prompting interface select unit 3, for according to described risk class determine the operation of this transferred account service corresponding turn
The display styles of account prompting interface and alarm mode and strategy of transferring accounts.
Optionally, described risk class computing unit 2 specifically includes：
First association results acquiring unit 21, for producing the account of account and the described account proceeding to account according to described
To producing account described in the inquiry of described bank server and described proceeding to whether there is historical trading and history and hand between account
Incident frequency, to obtain the first association results between the two；
Second association results acquiring unit 22, for producing the account of account and the described account proceeding to account according to described
It is local account or strange land account to proceeding to account with respect to the described classification producing account described in the inquiry of described bank server
Family, obtains the second association results；
Relevance grades computing unit 23, for calculating according to described first association results and described second association results
Described produce account and the described relevance grades proceeding between account.
Optionally, shown in Figure 5, in another embodiment, described system also includes：
Close trading account query unit 4, for producing the account of account and the described account proceeding to account according to described
Whether have and the described account that proceeds to in the account of the historical trading account producing account described in the inquiry of described bank server
The close account of account；
First risk class adjustment unit 5, if for there being the account close with the described account proceeding to account, according to pre-
If producing account and the described relevance grades proceeding between account described in quantized value adjustment.
Optionally, shown in Figure 6, in another embodiment, described system also includes：
Credit grade computing unit 6, for according to the described account proceeding to account to bank server inquiry described in proceed to
The bank credit grade of account；
Second risk class adjustment unit 7, for operate according to described this transferred account service of bank credit level adjustment
Risk class.
Optionally, described second risk class adjustment unit 7 specifically for：
Jointly calculate the risk class of this business operation according to described bank credit grade and described relevance grades.
It should be noted that the unit in said system provided in an embodiment of the present invention, due to the inventive method
Embodiment is based on same design, and the technique effect that it brings is identical with the inventive method embodiment, and particular content can be found in this
Narration in bright embodiment of the method, here is omitted.
Thus, it will be seen that the transferred account service processing system of self-aided terminal provided in an embodiment of the present invention equally can be
User carries out being provided the user according to the height of the risk class of this transferred account service during transferred account service operation and has different alarms
The personalized prompting interface of rank, can farthest cause user's concern money transfer secure, reduce user and transfer accounts maloperation, fall
Low user transfer accounts mistake risk.
The above, the only specific embodiment of the present invention, but protection scope of the present invention is not limited thereto, and any
Those familiar with the art the invention discloses technical scope in, various equivalent modifications can be readily occurred in or replace
Change, these modifications or replacement all should be included within the scope of the present invention.Therefore, protection scope of the present invention should be with right
The protection domain requiring is defined.
Claims (10)
1. a kind of transferred account service processing method of self-aided terminal is it is characterised in that include：
When user carries out transferred account service operation on self-aided terminal, what acquisition transferred account service operated produces the account of account and turns
Enter the account of account；
According to described produce the account of account and the described account producing account to described bank server inquire about described in produce account
Family and the described relevance grades proceeding between account, and obtain the risk of this transferred account service operation according to described relevance grades etc.
Level；
The display styles of the prompting interface of transferring accounts according to corresponding to described risk class determines the operation of this transferred account service and alarm
Mode and strategy of transferring accounts.
2. method according to claim 1 is it is characterised in that producing the account of account and described producing described in described basis
The account of account to described bank server inquire about described in produce account and the described relevance grades proceeding between account are specifically wrapped
Include：
According to described produce the account of account and the described account proceeding to account to described bank server inquire about described in produce account
Family and described proceeding to whether there is the frequency that historical trading and historical trading occur between account, to obtain the between the two
One association results；
According to described produce the account of account and the described account proceeding to account to described bank server inquire about described in proceed to account
Family is local account or strange land account with respect to the described classification producing account, obtains the second association results；
Produce account and described proceed to account according to described first association results and described second association results calculate
Between relevance grades.
3. method according to claim 2 is it is characterised in that producing the account of account and described producing described in described basis
The account of account to described bank server inquire about described in produce account and the described relevance grades proceeding between account, and according to
Described relevance grades also include after obtaining the risk class that this transferred account service operates：
According to described produce the account of account and the described account proceeding to account to described bank server inquire about described in produce account
Whether there is the account close with the described account proceeding to account in the account of historical trading account at family；
If there being the account close with the described account proceeding to account, the operation of this transferred account service is adjusted according to default quantized value
Risk class.
4. method according to claim 3 is it is characterised in that producing the account of account and described proceeding to described in described basis
The account of account to described bank server inquire about described in produce account historical trading account account in whether have with described
Also include before the close account of account proceeding to account：
The bank credit grade of account is proceeded to according to the described account proceeding to account is to bank server inquiry；
Risk class according to the operation of described this transferred account service of bank credit level adjustment.
5. method according to claim 4 is it is characterised in that described according to described bank credit level adjustment, this is transferred accounts
The risk class of business operation specifically includes：
Jointly calculate the risk class of this business operation according to described bank credit grade and described relevance grades.
6. a kind of transferred account service processing system of self-aided terminal is it is characterised in that include：
Account acquiring unit, for when user carries out transferred account service operation on self-aided terminal, obtaining transferred account service operation
The account producing account and the account proceeding to account；
Risk class computing unit, for according to the described account of account and the described account producing account of producing to described bank
Produce account and the described relevance grades proceeding between account described in server lookup, and obtain this according to described relevance grades
The risk class of transferred account service operation；
Prompting interface select unit, for according to described risk class determine this transferred account service operation corresponding to prompting of transferring accounts
The display styles at interface and alarm mode and strategy of transferring accounts.
7. system according to claim 6 is it is characterised in that described risk class computing unit specifically includes：
First association results acquiring unit, for according to the described account of account and the described account proceeding to account of producing to described
Produce account described in bank server inquiry and described proceeding to whether there is historical trading and historical trading generation between account
Frequency, to obtain the first association results between the two；
Second association results acquiring unit, for according to the described account of account and the described account proceeding to account of producing to described
Proceeding to account with respect to the described classification producing account described in bank server inquiry is local account or strange land account, obtains
Second association results；
Relevance grades computing unit, for turning described in being calculated according to described first association results and described second association results
Go out account and the described relevance grades proceeding between account.
8. system according to claim 7 is it is characterised in that also include：
Close trading account query unit, for according to the described account of account and the described account proceeding to account of producing to described
Whether have and the described account phase proceeding to account in the account of historical trading account producing account described in bank server inquiry
Near account；
First risk class adjustment unit, if for there being the account close with the described account proceeding to account, according to predetermined amount
Account and the described relevance grades proceeding between account are produced described in the adjustment of change value.
9. system according to claim 8 is it is characterised in that also include：
Credit grade computing unit, for according to the described account proceeding to account to bank server inquiry described in proceed to account
Bank credit grade；
Second risk class adjustment unit, for risk of being operated according to described this transferred account service of bank credit level adjustment etc.
Level.
10. system according to claim 9 it is characterised in that described second risk class adjustment unit specifically for：
Jointly calculate the risk class of this business operation according to described bank credit grade and described relevance grades.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610724308.XA CN106408282A (en) | 2016-08-25 | 2016-08-25 | Transfer service processing method and system of self-service terminal |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610724308.XA CN106408282A (en) | 2016-08-25 | 2016-08-25 | Transfer service processing method and system of self-service terminal |
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| CN106408282A true CN106408282A (en) | 2017-02-15 |
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| CN201610724308.XA Pending CN106408282A (en) | 2016-08-25 | 2016-08-25 | Transfer service processing method and system of self-service terminal |
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| CN108335093A (en) * | 2018-03-07 | 2018-07-27 | 深圳前海微众银行股份有限公司 | It transfers accounts control method, system, terminal, computer readable storage medium |
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| CN108335093A (en) * | 2018-03-07 | 2018-07-27 | 深圳前海微众银行股份有限公司 | It transfers accounts control method, system, terminal, computer readable storage medium |
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| CN110264326A (en) * | 2019-05-24 | 2019-09-20 | 阿里巴巴集团控股有限公司 | Identify the method, device and equipment of abnormal account aggregation and adventure account set |
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| CN111340499A (en) * | 2020-02-12 | 2020-06-26 | 支付宝(杭州)信息技术有限公司 | Information prompting method, device, equipment and computer readable medium |
| CN111340499B (en) * | 2020-02-12 | 2023-06-20 | 支付宝(杭州)信息技术有限公司 | Information prompting method, device, equipment and computer readable medium |
| CN113256904A (en) * | 2020-06-08 | 2021-08-13 | 深圳怡化电脑股份有限公司 | Self-service financial terminal control method and device, terminal and readable medium |
| CN113256904B (en) * | 2020-06-08 | 2024-04-02 | 深圳怡化电脑股份有限公司 | Self-service financial terminal control method, device, terminal and readable medium |
| CN111862488A (en) * | 2020-06-30 | 2020-10-30 | 湖南三湘银行股份有限公司 | Self-service lock screen system of bank based on face identification |
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