CN108510279A - A kind of bank's fraudulent trading determines method and system - Google Patents
A kind of bank's fraudulent trading determines method and system Download PDFInfo
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- CN108510279A CN108510279A CN201810201145.6A CN201810201145A CN108510279A CN 108510279 A CN108510279 A CN 108510279A CN 201810201145 A CN201810201145 A CN 201810201145A CN 108510279 A CN108510279 A CN 108510279A
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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
- G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
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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
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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
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
- G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation
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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
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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Abstract
The present invention provides a kind of bank's fraudulent tradings to determine that method and system, method include：Receive the transaction request of user；Obtain the transacting customer information and transaction address information in transaction request；Wherein, transacting customer information includes：Trade initiator's information and counterparty's information；Fraud identification is carried out according to transacting customer information, transaction address information and the fraud suspicion roster information that obtains in advance.The present invention can lock the exchange hour of suspect, transaction location, when bank's processing relates to account business, the real time information that position, the actually located position acquisition of client occur for transaction carries out fraud and usurps prevention and control, further decreases the transaction risk of account takeover.
Description
Technical field
The present invention relates to security technology areas, are concretely that a kind of bank's fraudulent trading determines method and system.
Background technology
Financial industry has carried out system to blacklist client and has effectively monitored and processed, but for the judgement of suspect
It relies primarily on artificial contrast, and effective control means is lacked to the account transaction that relates to of suspect, meanwhile, with making in recent years
The universalness of card technique, account takeover have the situation of a wide range of, linear waxing development, account takeover person to be taken advantage of using telecommunications
Swindleness, counterfeit fabrication cause bank's fraud suspect crime, account takeover to be on the rise, and ultimately cause client or bank capital damage
It goes wrong danger.
Invention content
For promoted bank to suspect relate to account, account takeover behavior risk preventing ability, the embodiment of the present invention carries
A kind of bank's fraudulent trading has been supplied to determine method, including：
Receive the transaction request of user；
Obtain the transacting customer information and transaction address information in the transaction request；Wherein, the transacting customer information
Including：Trade initiator's information and counterparty's information；
According to the transacting customer information, transaction address information and the fraud suspicion roster's information progress obtained in advance
Fraud identification.
In the embodiment of the present invention, according to the transacting customer information, transaction address information and the fraud suspicion obtained in advance
Doubtful roster's information carries out fraud identification：
The trade initiator is determined according to the transacting customer information and the fraud suspicion roster's information obtained in advance
And/or whether counterparty is fraud suspect；
When determining that trade initiator and/or counterparty are fraud suspect, the transaction for being determined as cheating suspect is obtained
The location information of client generates fraud recognition result.
In the embodiment of the present invention, according to the transacting customer information, transaction address information and the fraud suspicion obtained in advance
Doubtful roster's information carries out fraud identification：
When determining the trade initiator and/or the non-fraud suspect of counterparty, the present bit of trade initiator is obtained
Confidence ceases；
When determining the current location information and inconsistent transaction address information of the promoter, awarded to the trade initiator
Certification is weighed, authorization identifying is by then executing current transaction.
Meanwhile the present invention also provides a kind of bank's fraudulent tradings to determine system, including：
Ask reception device, the transaction request for receiving user；
Request analysis device, for obtaining transacting customer information and transaction address information in the transaction request；Wherein,
The transacting customer information includes：Trade initiator's information and counterparty's information；
Identification device is cheated, for according to the transacting customer information, transaction address information and the fraud obtained in advance
Suspicion roster information carries out fraud identification.
In the embodiment of the present invention, the fraud identification device includes：
It cheats suspect and checks module, for according to the transacting customer information and the fraud suspicion roster obtained in advance
Information determines whether the trade initiator and/or counterparty are fraud suspect；
Suspect's processing module being cheated, when for determining that trade initiator and/or counterparty are fraud suspect, being obtained
The location information for being determined as cheating the transacting customer of suspect generates fraud recognition result.
In the embodiment of the present invention, the fraud identification device further includes：
Position information acquisition module obtains when for determining the trade initiator and/or the non-fraud suspect of counterparty
Take the current location information of trade initiator；
Authorization identifying module, when current location information and inconsistent transaction address information for determining the promoter,
To trade initiator's authorization identifying, authorization identifying is by then executing current transaction.
Meanwhile the present invention provides a kind of computer equipment, including memory, processor and storage are on a memory and can be
The computer program run on processor, the processor realize preceding method when executing the computer program.
Meanwhile the present invention provides a kind of computer readable storage medium, before computer-readable recording medium storage has execution
State the computer program of method.
Technical scheme of the present invention can lock the exchange hour of suspect, transaction location, at bank
When reason relates to account business, the real time information of position, the actually located position acquisition of client, rule using the present invention occur for transaction
It is monitored with system, when account takeover suspicion occurs, by asking for reinforcement license confirmation to client, further decreases account
The transaction risk usurped.
For the above and other objects, features and advantages of the present invention can be clearer and more comprehensible, preferred embodiment cited below particularly,
And coordinate institute's accompanying drawings, it is described in detail below.
Description of the drawings
In order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, to embodiment or will show below
There is attached drawing needed in technology description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this
Some embodiments of invention for those of ordinary skill in the art without creative efforts, can be with
Obtain other attached drawings according to these attached drawings.
Fig. 1 is the flow chart that a kind of bank's fraudulent trading disclosed by the invention determines method；
Fig. 2 is the block diagram that a kind of bank's fraudulent trading disclosed by the invention determines system；
Fig. 3 is the anti-structure diagram for cheating anti-theft system of bank that one embodiment of the invention provides；
Fig. 4 is the structure chart that client relates to account transaction system 1 in the embodiment of the present invention；
Fig. 5 is the structure chart that suspect's check device 2 is cheated in the embodiment of the present invention；
Fig. 6 is the structure chart that suspect's processing unit 3 is cheated in the embodiment of the present invention；
Fig. 7 is the structure chart of client trading position analysis device 4 in the embodiment of the present invention；
Fig. 8 is the structure chart of account takeover check device 5 in the embodiment of the present invention；
Fig. 9 is the structure chart that client is presently in position acquisition device 6 in the embodiment of the present invention；
Figure 10 is the anti-flow chart for cheating method for preventing fraudulent-using of a kind of bank in the embodiment of the present invention.
Specific implementation mode
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation describes, it is clear that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.It is based on
Embodiment in the present invention, it is obtained by those of ordinary skill in the art without making creative efforts every other
Embodiment shall fall within the protection scope of the present invention.
The present invention discloses a kind of bank's fraudulent trading and determines method, as shown in Figure 1, this method step includes：
Step S10 receives the transaction request of user；
Step S20 obtains transacting customer information and transaction address information in transaction request；Wherein, transacting customer information
Including：Trade initiator's information and counterparty's information；
Step S30, according to transacting customer information, transaction address information and the fraud suspicion roster's information obtained in advance
Carry out fraud identification.
In the embodiment of the present invention, according to transacting customer information, transaction address information and what is obtained in advance take advantage of in step S30
Swindleness suspicion roster information carries out fraud identification：
Trade initiator and/or transaction are determined according to transacting customer information and the fraud suspicion roster's information obtained in advance
Whether opponent is fraud suspect；
When determining that trade initiator and/or counterparty are fraud suspect, the transaction for being determined as cheating suspect is obtained
The location information of client generates fraud recognition result.
During the present invention is implemented, when determining that the client for currently merchandising and being related to is fraud suspect, the position of fraud suspect is obtained
Confidence ceases and location information is sent to public security department；Or fraud suspect's account is freezed or is swallowed up to cheat suspect
Transactional cards.
Meanwhile the present invention also provides a kind of bank's fraudulent tradings to determine system, as shown in Fig. 2, to be disclosed in the present embodiment
Bank's fraudulent trading determine the block diagram of system comprising：
Ask reception device 201, the transaction request for receiving user；
Request analysis device 202, for obtaining transacting customer information and transaction address information in the transaction request；Its
In, the transacting customer information includes：Trade initiator's information and counterparty's information；
Identification device 203 is cheated, for according to the transacting customer information, transaction address information and what is obtained in advance take advantage of
Swindleness suspicion roster information carries out fraud identification.
With reference to specific embodiment, technical scheme of the present invention is described in further details as follows：
Anti-theft system and method are cheated the present embodiment provides a kind of bank is counter, and client, which handles to transfer accounts or provide a loan etc., relates to account friendship
When easily asking, system adopts related client or account by being cheated the transaction request accepted, usurping Activity recognition in time
Refusal, transaction monitoring, risk is taken to remind, require client authorization, until freezing or stopping payment, to ensure that bank is pacified with clients fund
Entirely, bank is promoted to cheating the risk preventing ability with behavior of usurping, and the location information notification public security machine that suspect will be cheated
It closes and assists to solve a case.Attached drawing will be compareed below, and the present embodiment technical solution will be described in detail.
In Fig. 3, the anti-anti-theft system of cheating of a kind of bank provided in this embodiment includes：Client relates to account transaction system 1, takes advantage of
Cheat suspect's check device 2, fraud suspect processing unit 3, client trading position analysis device 4, account takeover check device
5, client is presently in position acquisition device 6.Wherein, 7 non-implementations of public security organ's suspicion roster device in the present embodiment
System in example, but it is related to the processing of the present embodiment.
Wherein, client relates to account transaction system 1 and fraud suspect check device 2, client trading position analysis device 4, account
The connection of check device 5 is usurped at family, and fraud suspect check device 2 relates to account transaction system 1, fraud suspect's processing unit with client
3, public security organ's suspicion roster device 7 connects, fraud people suspect processing unit 3 and fraud suspect check device 2, client
Transaction location analytical equipment 4 connects, and client trading position analysis device 4 relates to account transaction system 1 with client, fraud suspect checks
Device 2, account takeover check device 5 connect, and account takeover check device 5 relates to account transaction system 1, client trading position with client
Analytical equipment 4, client are presently in the connection of position acquisition device 6, and client is presently in position acquisition device 6 and is examined with account takeover
Look into the connection of device 5.The concrete function of each device is described as follows in the present embodiment：
Client relates to account transaction system 1, is responsible for reception client and relates to account transaction request, realizes bank account book keeping operation processing function.
Client relate to account transaction system 1 by with fraud suspect's check device 2 interact progress client itself or counterparty whether belong to
The inspection for cheating suspect, is interacted by account takeover check device 5, checks whether this transaction belongs to account takeover.
Cheat suspect's check device 2, responsible client's (party is initiated in transaction) or friendship to by bank's transacting business
Easy opponent (counterparty) screens, by interact with public security organ suspicion roster device 7, inspection client or client trading
Whether opponent is in the suspicion roster of public security organ.
Suspect's processing unit 3 is cheated, is responsible for passing through technology hand to the suspect that fraud suspect's check device 2 identifies
Duan Jinhang delays, and suspect's information is sent to public security department, the technological means be refer to delay suspect's time it is same
When do not realized by it, include but not limited to freeze fraud suspicion so that public security organ can control and arrest the mode of suspect
Acknowledge a debt family, swallow up fraud suspect bank card.Following processing mode is used in the specific embodiment of the invention：It cheats at suspect
Reason device 3 to fraud suspect's account freeze or swallow up fraud suspect bank card, and reminder announced fraud personnel " because
Banking system technical failure causes account to freeze or retain card, please hold the effective certificate in the designated time to specified bank outlets, do
Manage account defrosting or card taking formality ", meanwhile, fraud suspect processing unit 3 passs on above-mentioned prompting message to public security organ, so as to
Public security organ controls and arrests fraud personnel in time.
Client trading position analysis device 4 is responsible for relating to the transaction address information in account transaction request to client and analyzing,
The geographical location of client trading is obtained, the transaction address information in the transaction request includes transaction area, transaction site, client
Client machine number, client used in transacting business pass through the IP address of web handling business, the geographical position of the client trading
It is set to province where the client trading obtained according to the transaction address information analysis in transaction request, city, area, street, number
Equal geographical locations.
Account takeover check device 5, responsible inspection relate to whether account trading account is stolen, and account takeover check device 5 will
The transaction geographical location that client trading position analysis device 4 analyzes is presently in what position acquisition device 6 was got with client
Geographical location information residing for client is compared, and such as geographical location is inconsistent between the two, then judges that the pen relates to the non-visitor of account transaction
Family operates, and is account takeover suspicion by this transaction ID.
Client is presently in position acquisition device 6, by the held cell phone apparatus GPS positioning of client, obtains the current institute of client
Locate geographical location, premised on client and mobile phone are in same position, which is currently located geography as client
Location information.
Public security organ's suspicion roster device 7 related to the present invention by law enforcement agency of the governments such as Ministry of Public Security according to it is illegal,
The personal informations such as commit a crime provide, and fraud suspect check device 2 with public security organ suspicion roster device 7 by interacting, to relating to
Account transaction realizes that fraud suspect checks function.
Fig. 4 is the structure diagram that client in the present embodiment relates to account transaction system 1, and referring to Fig. 4, client relates to account transaction system
1 accepts unit 11, Transaction Information resolution unit 12, suspect including at least transaction request and usurps inspection control unit 13, account
Family usurps processing unit 14, relates to account trading processing result feedback unit 15, wherein：
Transaction request accepts unit 11, is responsible for receiving the incoming transaction request for being related to account of terminal, terminal includes all kinds of
Bank self-help terminal, desktop computer, all kinds of movable equipments used for banking operating personnel or client.
Transaction Information resolution unit 12 accepts the transaction request information that unit 11 receives for parsing transaction request, packet
Customer name, account, type of credential, passport NO., phone number, the amount of money, transaction use, the transaction address of transacting customer are included,
Wherein, transacting customer includes that party, counterparty are initiated in transaction.
Suspect and usurp check control unit 13, for fraud suspect's check device 2, account takeover check device
Transaction Information after 5 transmission Transaction Information resolution units, 12 parsing, and receive fraud suspect check device 2, account takeover inspection
Look into the inspection result of the return of device 5.
Account takeover processing unit 14 further adds to client itself Suo Quan for being directed to the case where being accused of account takeover
Strong to authorize, the reinforcement authorization includes but not limited to short message certification, phone confirmation, authentication.
Account trading processing result feedback unit 15 is related to, for relating to account trading processing to banking personnel or to client feedback
As a result.
Fig. 5 is the structure diagram that suspect's check device 2 is cheated in the present embodiment, as shown in figure 5, fraud suspect checks
It is anti-that device 2 includes at least Transaction Information receiving unit 21, fraud suspect matching unit 22 and fraud suspect's matching result
Unit 23 is presented, wherein：
Transaction Information receiving unit 21 be used to receive client relate to account transaction system 1 it is incoming relate to account Transaction Information, including hand over
Easily initiate party client, counterparty's information, wherein it includes that party visitor is initiated in transaction that party's customer information is initiated in transaction
Family name, transaction initiate party's account, party's type of credential is initiated in transaction, party's passport NO. is initiated in transaction, transaction
Party's phone number is initiated, counterparty's information includes counterparty's name, counterparty's account, counterparty's certificate class
Type, counterparty's passport NO., counterparty's phone number.
Suspect's matching unit 22 is cheated, party visitor is initiated in the transaction for receiving Transaction Information receiving unit 21
Family, the relevant information of counterparty are matched with the list information in public security organ suspicion roster device 7, such as inconsistent,
Then judge that the transaction is not related to cheating suspect；As unanimously, then judged, the transaction is related to cheating suspect.
Suspect's matching result feedback unit 23 is cheated, the inspection result transmission for suspect's matching unit 22 will to be cheated
Account transaction system 1 is related to client.
Fig. 6 is the structure chart for cheating suspect's processing unit 3, as shown in fig. 6, fraud suspect processing unit 3 is at least wrapped
It includes transaction and is related to cheating suspect and accept unit 31, fraud inspection result analytic unit 32, fraud suspect's account and freeze to handle
Unit 33, the first notification unit 34 and the second notification unit 35.
Transaction is related to fraud suspect and accepts unit 31, the matching knot sent out for receiving fraud suspect check device 2
Fruit.
Inspection result analytic unit 32 is cheated, the matching knot that unit 31 receives is accepted for being related to fraud suspect to transaction
Fruit is further analyzed, and the matching of party client, counterparty and public security organ's suspicion roster's information are initiated according to transaction
It checks situation, identifies that the initiation party of the transaction belongs to fraud suspect or counterparty is related to cheating suspect, or hand over
It is fraud suspect that party, which is easily initiated, with counterparty.
Fraud suspect's account freezes processing unit 33, dislikes for freezing or swallowing up fraud to fraud suspect's account
Doubt the bank card of people.
First notification unit 34, for fraud suspect send out " caused by banking system technical failure account freeze or
Retain card please hold the effective certificate in the designated time to specified bank outlets, handle account thaw or card taking formality " notice carry
It wakes up.
Second notification unit 35, for handling fraudulent trading to public security organ transmission fraud suspect and will make a reservation for
Time, to the notice prompt message of bank outlets, suspect was cheated so that public security organ controls and arrests in time.
Fig. 7 is the structure chart of client trading position analysis device 4, and referring to Fig. 7, client trading position analysis device 4 is at least
Unit 43 is provided including transaction location information resolution unit 41, transaction location information attribution analysis unit 42, transaction geographical location,
Wherein：
Transaction location information resolution unit 41 be used to receive client relate to account transaction system 1 it is incoming relate to account Transaction Information, and
Transaction use, transaction location field are parsed, according to the format needed for transaction location information attribution analysis unit 42, parsing
Go out transaction area, transaction site, client machine number, client used in client's transacting business by the IP of web handling business
In Zhi Deng banks or technical transaction address information.
Transaction location information attribution analysis unit 42, the bank for being parsed according to transaction location information resolution unit 41
Interior or technical transaction address information is further analyzed, and the geography such as province, city, area, street, the number of transaction location ownership are obtained
Position, in the bank or technical transaction address information include transaction area, transaction site, client used in client's transacting business
The IP address that end identification number, client pass through web handling business.
Transaction geographical location provides unit 43, the transaction for analyzing transaction location information attribution analysis unit 42
Reason position is supplied to fraud suspect processing unit 3 or account takeover check device 5.
Fig. 8 is the structure chart of account takeover check device 5, as shown in figure 8, account takeover check device 5 includes at least account
Family usurps inspection and accepts unit 51, account takeover analytic unit 52 and account takeover analysis result feedback unit 53, wherein：
Account takeover inspection accepts unit 51, for receive client relate to account transaction system 1 transmission relate to account Transaction Information.
Account takeover analytic unit 52, the transaction geographical location letter for receiving the transmission of client trading position analysis device 4
The client that breath and client are presently in the transmission of position acquisition device 6 is presently in geographical location information, and to two geographical positions
Confidence breath is compared, and such as the two is inconsistent, then it is assumed that the pen relates to account transaction non-customer operation, is by this transaction identification
Otherwise account takeover suspicion is identified as non-account takeover suspicion.
Account takeover analysis result feedback unit 53, for the analysis result of account takeover analytic unit 52 to be sent to visitor
Family relates to account transaction system 1.
Fig. 9 is the structure chart that client is presently in position acquisition device 6, and referring to Fig. 9, client is presently in position acquisition dress
Set 6 include at least client present position information acquisition unit 61, client is presently in location resolution unit 62, client is presently in
Position provides unit 63, wherein：
Client present position information acquisition unit 61, for obtaining the mobile phone that client is held from the held mobile client of client
It is presently in location information, premised on client and mobile phone are in same position, which is currently located position as client
Confidence ceases.
Client is presently in location resolution unit 62, for believing from the position that the held mobile phone mobile client of client obtains
Breath is parsed, and mainly according to the call format of account takeover check device 5, location information is resolved to geography information.
Client is presently in position and provides unit 63, is presently in ground for sending client to account takeover check device 5
Manage location information.
As shown in Figure 10, the anti-flow chart for cheating method for preventing fraudulent-using of a kind of bank for being the present embodiment structure includes following place
Manage step：
Step S101：Transaction request accepts the incoming client of the reception terminal of unit 11 and relates to account transaction request, the terminal packet
Desktop computer, all kinds of movable equipments for including all kinds of bank self-help terminals, being used for banking operating personnel or client.
Step S102：Transaction Information resolution unit 12 parses the step S101 transaction request informations obtained, parsing
The information gone out includes the customer name of transacting customer, account, type of credential, passport NO., phone number, the amount of money, purposes, transaction
Address, wherein the transacting customer includes that party, counterparty are initiated in transaction.
Step S103：Transaction Information receiving unit 21 receives the suspect client incoming with inspection control unit 13 is usurped and relates to
Account Transaction Information, party is initiated in the transaction for relating to account transaction to this by cheating suspect's matching unit 22 or counterparty believes
The list information of breath and public security organ's suspicion roster device 7 carries out matching inspection, such as inconsistent, then judges that the transaction does not relate to
And fraud suspect；As unanimously, then judged, the transaction is related to cheating suspect, and further identifies that the transaction is initiated party and belonged to
Belong to fraud suspect in the counterparty of fraud suspect or the transaction, or transaction initiation party is with counterparty
Cheat the different situations such as suspect.
Step S104：According to the inspection result of step S103, if the transaction is related to cheating suspect, S105 is gone to step
It is handled；Such as transaction is not related to cheating molecule, then goes to step S107 processing.
Step S105：Client trading position analysis device 4 relates to the transaction address information in account transaction request to client and carries out
Analysis obtains the geographical location of client trading, and provides unit 43 by the geographical location of client trading by geographical location of merchandising
Be sent to fraud suspect processing unit 3, the transaction address information in the transaction request include transaction area, transaction site,
Client machine number, client used in client's transacting business pass through the IP address of web handling business, the ground of the client trading
Reason position is province where the client trading obtained according to the transaction address information analysis in transaction request, city, area, street, door
The geographical locations such as the trade mark.
Step S106：Fraud inspection result analytic unit 32 further analyzes the inspection result of step S103, by relating to
The relationship of party, counterparty and fraud suspicion roster are initiated in the transaction of account transaction, as the transaction for relating to account transaction is initiated
Party is non-fraud suspect, counterparty is fraud suspect, then cheats suspect's account and freeze processing unit 33 to taking advantage of
Swindleness suspect's account is freezed；It is fraud suspect to initiate party such as the transaction for relating to account transaction, then in addition to cheating suspicion
Family of acknowledging a debt freezes processing unit 33 and fraud suspect's account is freezed or swallowed up outside the bank card of fraud suspect, and first is logical
Know that unit 34 sends out that " account is freezed caused by banking system technical failure or retain card is former, please hold the effective certificate to fraud suspect
In the designated time to specified bank outlets, handle account thaw or card taking formality " reminder announced, meanwhile, the second notification sheet
Member 35 is handled fraudulent trading to public security organ transmission fraud suspect and will be carried in the notice of predetermined time to bank outlets
Show information, so that public security organ controls and arrest in time fraud suspect；As the transaction for relating to account transaction is initiated party and handed over
Easy opponent is to cheat suspect, then simultaneously to the fraud suspect account of the counterparty side in the transaction, to place
In transaction initiator fraud suspect account carry out respectively it is above-mentioned freeze, freeze and notify of both handle.
Step S107：Transaction location information attribution analysis unit 42 is according to the transaction area site in Transaction Information, transaction
Client machine number, client used in site, client's transacting business further analyze it by the IP address of web handling business
The geographical locations such as province, city, area, street, the number of ownership, and step S109 is supplied to carry out account takeover inspection use.
Step S108：Client present position information acquisition unit 61 obtains client from the held mobile phone mobile client of client
Present position information is presently in location resolution unit 62 by client and client present position information is resolved to geography information,
It is supplied to step S109 to carry out account takeover inspection use.
Step S109：Account takeover analytic unit 52, by the step S107 transaction geographical location information provided and step
Geographical location information residing for the client that S108 is provided carries out comparison of coherence.
Step S110：According to the comparison result of step S109, such as transaction geographical location and geographical location information residing for client
It is inconsistent, then judge that the pen relates to account transaction non-customer operation, is account takeover suspicion by this transaction identification, goes to step
S112 processing；Otherwise, it is identified as non-account takeover and goes to step S111.
Step S111：Book keeping operation is completed, merchandises and successfully terminates.
Step S112：Account takeover processing unit 14 is directed to the transaction for being accused of account takeover, further to client's sheet
People Suo Quan reinforces authorizing, and the reinforcement authorization includes but not limited to short message certification, phone confirmation, authentication.
Step S113：Reinforce authorization conditions according to client and determine subsequent processing mode, does not authorize, go to step as client is overdue
S114 processing；Such as client authorization success, then S111 processing is gone to step.
Step S114：Fail Transaction terminates.
The anti-fake system of bank provided in this embodiment and method can both have been promoted bank and client risk preventing ability and
Financing security can also assist in public security organ and arrest fraud suspect.In the case where handling " bank transfer transaction " scene, using advance
The method and check device of preparation are implemented the inspection and control of client and the anti-fraud of transaction, anti-account takeover, are mainly had as follows
Effect and advantage：
(1) fraudulent trading is prevented：
It transfers accounts to fraud suspect in normal client, and cheats suspect's Cash Out or shifted to other accounts and provided
Gold, silver row offers loans to fraud suspect and waits processing stages, the account being related to for transaction, customer's identity card number, client
The information such as name are compared with " the fraud suspicion roster " that public security organ provides, stop to be related to cheating the suspicious of suspect
Transaction prevents fraud suspect from making a profit and merchandises successfully, reduces bank and normal client monetary losses risk.
(2) public security organ is assisted to solve a case：
In the suspicious transaction for stopping to be related to cheating suspect, takes the account for freezing to cheat suspect, swallows up its bank
Card, notice fraud suspect come account defrosting, card taking caused by bank outlets' treatment technology reason in the predetermined time, and will transaction
The fraud suspect above-mentioned relevant information notice public security organ being related to, come bank outlets' control and fraud suspicion is arrested by public security officer
Doubt people.
(3) solve the problems, such as that account is stolen：
It is normal with the normal client put on record in advance for the transaction place location information for being related to obtaining in the process of exchange of fund
It is compared with transaction place information, normal client present position, to being suspected to be that non-customer trading activity carries out prevention and control,
As necessary by bank's manpower intervention or client is required the intervening measures such as to authorize again, to being related to the bank transaction flow implementation of fund
Monitoring prevents normal client fund stolen.
In addition, invention additionally discloses a kind of computer equipment, including memory, processor and storage are on a memory and can
The computer program run on a processor, processor realize the function of preceding method when executing computer program.
Further, invention additionally discloses a kind of computer readable storage medium, computer-readable recording medium storage is held
The computer program of row preceding method.
It should be understood by those skilled in the art that, the embodiment of the present invention can be provided as method, system or computer program
Product.Therefore, complete hardware embodiment, complete software embodiment or reality combining software and hardware aspects can be used in the present invention
Apply the form of example.Moreover, the present invention can be used in one or more wherein include computer usable program code computer
The computer program production implemented in usable storage medium (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.)
The form of product.
The present invention be with reference to according to the method for the embodiment of the present invention, the flow of equipment (system) and computer program product
Figure and/or block diagram describe.It should be understood that can be realized by computer program instructions every first-class in flowchart and/or the block diagram
The combination of flow and/or box in journey and/or box and flowchart and/or the block diagram.These computer programs can be provided
Instruct the processor of all-purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices to produce
A raw machine so that the instruction executed by computer or the processor of other programmable data processing devices is generated for real
The device for the function of being specified in present one flow of flow chart or one box of multiple flows and/or block diagram or multiple boxes.
These computer program instructions, which may also be stored in, can guide computer or other programmable data processing devices with spy
Determine in the computer-readable memory that mode works so that instruction generation stored in the computer readable memory includes referring to
Enable the manufacture of device, the command device realize in one flow of flow chart or multiple flows and/or one box of block diagram or
The function of being specified in multiple boxes.
These computer program instructions also can be loaded onto a computer or other programmable data processing device so that count
Series of operation steps are executed on calculation machine or other programmable devices to generate computer implemented processing, in computer or
The instruction executed on other programmable devices is provided for realizing in one flow of flow chart or multiple flows and/or block diagram one
The step of function of being specified in a box or multiple boxes.
Specific embodiment is applied in the present invention, and principle and implementation of the present invention are described, above example
Explanation be merely used to help understand the present invention method and its core concept；Meanwhile for those of ordinary skill in the art,
According to the thought of the present invention, there will be changes in the specific implementation manner and application range, in conclusion in this specification
Appearance should not be construed as limiting the invention.
Claims (8)
1. a kind of bank's fraudulent trading determines method, which is characterized in that the method includes：
Receive the transaction request of user；
Obtain the transacting customer information and transaction address information in the transaction request；Wherein, the transacting customer information includes：
Trade initiator's information and counterparty's information；
It is cheated according to the transacting customer information, transaction address information and fraud suspicion roster's information for obtaining in advance
Identification.
2. bank's fraudulent trading as described in claim 1 determines method, which is characterized in that according to the transacting customer information,
Transaction address information and the fraud suspicion roster information obtained in advance carry out fraud identification：
According to the transacting customer information and the fraud suspicion roster's information obtained in advance determine the trade initiator and/or
Whether counterparty is fraud suspect；
When determining that trade initiator and/or counterparty are fraud suspect, the transacting customer for being determined as cheating suspect is obtained
Location information generate fraud recognition result.
3. bank's fraudulent trading as claimed in claim 2 determines method, which is characterized in that according to the transacting customer information,
Transaction address information and the fraud suspicion roster information obtained in advance carry out fraud identification：
When determining the trade initiator and/or the non-fraud suspect of counterparty, the present bit confidence of trade initiator is obtained
Breath；
When determining the current location information and inconsistent transaction address information of the promoter, authorizes and recognize to the trade initiator
Card, authorization identifying is by then executing current transaction.
4. a kind of bank's fraudulent trading determines system, which is characterized in that the system includes：
Ask reception device, the transaction request for receiving user；
Request analysis device, for obtaining transacting customer information and transaction address information in the transaction request；Wherein, described
Transacting customer information includes：Trade initiator's information and counterparty's information；
Identification device is cheated, for according to the transacting customer information, transaction address information and the fraud suspicion obtained in advance
Roster's information carries out fraud identification.
5. bank's fraudulent trading as claimed in claim 4 determines system, which is characterized in that the fraud identification device includes：
It cheats suspect and checks module, for according to the transacting customer information and the fraud suspicion roster's information obtained in advance
Determine whether the trade initiator and/or counterparty are fraud suspect；
Suspect's processing module is cheated, when for determining that trade initiator and/or counterparty are fraud suspect, obtaining and determining
Location information to cheat the transacting customer of suspect generates fraud recognition result.
6. bank's fraudulent trading as claimed in claim 5 determines system, which is characterized in that the fraud identification device also wraps
It includes：
Position information acquisition module is obtained and is handed over when for determining the trade initiator and/or the non-fraud suspect of counterparty
The current location information of easy promoter；
Authorization identifying module, when current location information and inconsistent transaction address information for determining the promoter, to institute
Trade initiator's authorization identifying is stated, authorization identifying is by then executing current transaction.
7. a kind of computer equipment, including memory, processor and storage are on a memory and the meter that can run on a processor
Calculation machine program, which is characterized in that the processor realizes any side of claims 1 to 3 when executing the computer program
Method.
8. a kind of computer readable storage medium, which is characterized in that the computer-readable recording medium storage has perform claim
It is required that the computer program of 1 to 3 any the method.
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| CN201810201145.6A CN108510279A (en) | 2018-03-12 | 2018-03-12 | A kind of bank's fraudulent trading determines method and system |
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| CN201810201145.6A CN108510279A (en) | 2018-03-12 | 2018-03-12 | A kind of bank's fraudulent trading determines method and system |
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| CN112085507A (en) * | 2020-09-27 | 2020-12-15 | 中国建设银行股份有限公司 | Transaction detection method and system |
| CN112633895A (en) * | 2021-01-05 | 2021-04-09 | 交通银行股份有限公司 | Risk control method and system for bank online website business digital currency transaction |
| CN113129131A (en) * | 2021-05-13 | 2021-07-16 | 中国农业银行股份有限公司 | Account management method, device, system and storage medium |
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