CN109325770A - A kind of method and device handling money transfer transactions - Google Patents
A kind of method and device handling money transfer transactions Download PDFInfo
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- CN109325770A CN109325770A CN201811095903.7A CN201811095903A CN109325770A CN 109325770 A CN109325770 A CN 109325770A CN 201811095903 A CN201811095903 A CN 201811095903A CN 109325770 A CN109325770 A CN 109325770A
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- timing
- timer
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- money transfer
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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
- G06Q20/405—Establishing or using transaction specific rules
-
- 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
- G06Q20/407—Cancellation of a transaction
-
- 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
Abstract
Disclose a kind of method and device for handling money transfer transactions.User transfer accounts when transferring accounts by electronic payment platform, can choose initiation delay money transfer transactions, while electronic payment platform is withholdd from the account for the user that transfers accounts, the delay duration that can be also specified according to the user that transfers accounts creates timer and starts timing.Before the timer completes timing, user once has found that oneself may be swindled, so that it may initiate transaction to electronic payment platform and stop request, electronic payment platform stops request in response to transaction, the timer times timing can be immediately controlled.Also, before timer completes timing, electronic payment platform once receives the transaction halt instruction that transaction monitoring party is issued for the delay money transfer transactions, can stop the delay money transfer transactions, withholdd item is returned to the user that transfers accounts again.
Description
Technical field
This specification embodiment is related to information technology field more particularly to a kind of method and device for handling money transfer transactions.
Background technique
In real life, it will appear the feelings that user transfers accounts due to by swindle (such as telecommunication fraud) to criminal often
Condition.In this case, user often just can be appreciated that oneself is cheated after transferring accounts, at this point, if the account of criminal
It is received to the fund transferred accounts of user lead to user very then criminal is likely to shift the fund in account
Difficulty retrieves the monetary losses of oneself.
In order to identify swindle to user's enough reaction time, bank generally supports delay to account function.Specifically, it uses
Fund delay can be arranged to account, as arrived account after setting fund 24 hours, this meaning when initiating to transfer accounts by bank in family simultaneously
, user initiates after transferring accounts 24 hours, and the fund transferred accounts can just squeeze into the account of beneficiary.24 after user initiates to transfer accounts are small
When it is interior, bank be with cancel this money transfer transactions permission, therefore, user is if it is intended to cancel this transaction, so that it may
In this 24 hours, transmitting bank cancels this money transfer transactions.This also means that in 24 hours after user initiates to transfer accounts,
User once has found that oneself is cheated, so that it may which transmitting bank cancels this money transfer transactions, avoids monetary losses.
In fact, popularizing with e-payment technology, user usually more gets used to turning by electronic payment platform
Account transaction.However, for policy reasons, electronic payment platform and the permission for not having revocation money transfer transactions.It means that if
User passes through electronic payment platform due to by swindle and transfers accounts to criminal, then after transferring accounts, user is often difficult to recover cheated money
Gold.
Summary of the invention
It is difficult to recover fund damage to solve to pass through due to by swindle the user that electronic payment platform is transferred accounts to criminal
The problem of mistake, this specification embodiment provide a kind of method and device for handling money transfer transactions, and technical solution is as follows:
According to the 1st of this specification embodiment the aspect, a kind of method for handling money transfer transactions is provided, comprising:
Reception transfer accounts Client-initiated delay money transfer transactions request；
Corresponding delay duration is requested according to the delay money transfer transactions, create timer and starts timing；And according to
The delay money transfer transactions request corresponding transfer amounts, withhold for the user that transfers accounts；
If receiving the Client-initiated transaction of transferring accounts before the timer completes timing and stopping request, then control
Make the timer times timing；
If receiving transaction monitoring party for delay money transfer transactions request hair before the timer completes timing
The transfer amounts are then returned to the user that transfers accounts by transaction halt instruction out.
According to the 2nd of this specification embodiment the aspect, a kind of device for handling money transfer transactions is provided, comprising:
Receiving module receives Client-initiated delay money transfer transactions request of transferring accounts；
Timing is withholdd module, requests corresponding delay duration according to the delay money transfer transactions, creation timer simultaneously starts
Timing；And corresponding transfer amounts are requested according to the delay money transfer transactions, are withholdd for the user that transfers accounts；
Control module, if receiving the Client-initiated transaction of transferring accounts before the timer completes timing and stopping
Request, then control the timer times timing；
Transaction stopping modular, if receiving transaction monitoring party for the delay before the timer completes timing
The transfer amounts are then returned to the user that transfers accounts by the transaction halt instruction that money transfer transactions request issues.
Technical solution provided by this specification embodiment, electronic payment platform (i.e. will before timer completes timing
Transfer amounts are squeezed into before the account of receipt on account user), one section of time out of request can be stopped in response to the transaction for the user that transfers accounts
Time, that is, delaying the progress for beating money to receipt on account user, and then to strive for the transaction monitoring party for stopping money transfer transactions permission
Control time, so that the transaction monitoring party completes investigation before the timer completes timing.If the delay is transferred accounts
Transaction is truly swindle transaction, and the electronic payment platform can be striven for receiving before the timer completes timing
The transaction halt instruction (obtaining the authorizations for stopping the delay money transfer transactions) that the transaction monitoring party issues, in this way, can be with
The account that transfer amounts are squeezed into criminal is avoided, but transfer amounts are returned into the user that transfers accounts, so that described turn
Account user avoids suffering monetary losses.
It should be understood that above general description and following detailed description be only it is exemplary and explanatory, not
This specification embodiment can be limited.
In addition, any embodiment in this specification embodiment does not need to reach above-mentioned whole effects.
Detailed description of the invention
In order to illustrate more clearly of this specification embodiment or technical solution in the prior art, below will to embodiment or
Attached drawing needed to be used in the description of the prior art is briefly described, it should be apparent that, the accompanying drawings in the following description is only
The some embodiments recorded in this specification embodiment for those of ordinary skill in the art can also be attached according to these
Figure obtains other attached drawings.
Fig. 1 is a kind of flow diagram of the method for processing money transfer transactions that this specification embodiment provides；
Fig. 2 is the contrast schematic diagram of the normal timing of the timer Yu the timer times timing；
Fig. 3 is the detailed process exemplary diagram for the processing money transfer transactions that this specification embodiment provides；
Fig. 4 is a kind of structural schematic diagram of the device for processing money transfer transactions that this specification embodiment provides；
Fig. 5 is the structural schematic diagram for configuring a kind of equipment of this specification embodiment method.
Specific embodiment
In order to make those skilled in the art more fully understand the technical solution in this specification embodiment, below in conjunction with this
Attached drawing in specification embodiment is described in detail the technical solution in this specification embodiment, it is clear that described
Embodiment is only a part of the embodiment of this specification, instead of all the embodiments.The embodiment of base in this manual,
Those of ordinary skill in the art's every other embodiment obtained, all should belong to the range of protection.
Below in conjunction with attached drawing, the technical solution that each embodiment of this specification provides is described in detail.
Fig. 1 is a kind of flow diagram of the method for processing money transfer transactions that this specification embodiment provides, including following
Step:
S100: Client-initiated delay money transfer transactions request of transferring accounts is received.
S102: requesting corresponding delay duration according to the delay money transfer transactions, creates timer and starts timing；And
Corresponding transfer amounts are requested according to the delay money transfer transactions, are withholdd for the user that transfers accounts.
The executing subject of this method specifically can be the server of electronic payment platform.Hereafter to the electronic payment platform
The step of the step of execution is illustrated, and actually executes to the server of the electronic payment platform is illustrated.
In this specification embodiment, the user that transfers accounts refers to that the user that initiation is transferred accounts, receipt on account user refer to what receiving was transferred accounts
User.In general, transfer accounts user and receipt on account user has opened account on electronic payment platform, transfer accounts user to receipt on account user into
Row is transferred accounts, and the transfer amounts in the account of oneself are transferred to the account of the receipt on account user by the user that actually transfers accounts.
Illustrate in embodiment at this, electronic payment platform receives Client-initiated delay money transfer transactions request of transferring accounts, meaning
Taste the user that transfers accounts request electronic payment platform to accept delay money transfer transactions, i.e., the transfer amounts specified the user that transfers accounts from
It deducts in the account of the user that transfers accounts, and is lighted from the time of operation of completing to withhold, the user that transfers accounts described in the process is specified
Delay duration after, by the transfer amounts write-in receipt on account user account.
For example, the user A that transfers accounts wants to transfer accounts to receipt on account user B, the user A that transfers accounts can request electronic payment platform to accept to prolong
When money transfer transactions, corresponding delay duration be 24 hours, corresponding transfer amounts be 1000 yuan.Electronic payment platform was in 2018
12 points of September 1 day accept the delay money transfer transactions, deduct 1000 from the account for transferring accounts user A in 12 points of September in 2018 1 day 1 minute
Member, then, in 12 points of 1000 yuan of the write-ins into the account of receipt on account user B in 1 minute on the 2nd of September in 2018.
In this specification embodiment, in order to realize that delay is transferred accounts function, electronic payment platform is generally required according to
The money transfer transactions that are delayed request corresponding delay duration, create a timer, and control the timer and carry out timing.The meter
When implement body can be the process for realizing clocking capability.
It should be noted that the timing mode of the timer can be reverse countdown, it is also possible to countdown.When the meter
When device use reverse countdown mode when, the timing duration of the timer reaches the delay duration, this means that the timer
Complete timing.When the timer uses countdown mode, when the remaining timing duration of the timer is 0, this means that
The timer completes timing.
In this specification embodiment, the timer completes timing, i.e., can trigger the electronic payment platform will be described
The account of the receipt on account user is written in transfer amounts.
S104: if before the timer completes timing, receiving the Client-initiated transaction of transferring accounts and stop request,
Then control the timer times timing.
Before the timer completes timing, the transfer amounts are had not been written in the account of the receipt on account user, this
When, user once has found oneself, then can be to electronic payment platform because of the delay money transfer transactions are initiated by swindle
It initiates transaction and stops request, (be equivalent to trigger the electronic payment platform control timer times timing and turn the delay
Account transaction is freezed).
It is that the user that transfers accounts initiates for the delay money transfer transactions that the transaction, which stops request, and the transaction stops
Request generally comprises the transaction ID (such as Transaction Identification Number) of the delay money transfer transactions.
It should be noted that described transfer accounts user when finding that oneself is cheated, on the one hand can be sent out to electronic payment platform
Playing transaction stopping request, (the transaction stopping request being considered as the user that transfers accounts and carry out transaction fraud throwing to electronic payment platform
Tell), on the other hand it can report a case to the security authorities to transaction monitoring party.The electronic payment platform can stop receiving the transaction
After request, the user can be prompted to report a case to the security authorities to the transaction monitoring party.
Transaction monitoring party as described herein refers to the main body that electronic payment platform can be authorized to stop money transfer transactions.For example,
The transaction monitoring party specifically can be the judicial authorities such as public security organ, procuratorial organ, law court, be also possible to financial supervision machine
Structure.
For example, the user that transfers accounts can be after initiating transaction and stopping request, then public security organ is gone to report a case to the security authorities；It is described to transfer accounts
User first can also go to public security organ to report a case to the security authorities, then initiate transaction to electronic payment platform and stop request.
Further, the user that transfers accounts stops may include in request to the transaction that the electronic payment platform is initiated
The transaction monitoring party, which accepts the receipt of reporting a case to the security authorities provided after the request of reporting a case to the security authorities of the user that transfers accounts, (can be reporting a case to the security authorities back for electronic edition
Hold, the electronic form for the receipt that is also possible to report a case to the security authorities, such as photo), electronic payment platform is determining that the transaction stops wrapping in request
After the receipt of reporting a case to the security authorities contained is effective, the timer times timing can be just controlled.In this way, can suitably promote user's hair of transferring accounts in this way
The cost that transaction stops request being played, prevents some users that transfer accounts from abusing the right that request stops money transfer transactions.
It should be noted that the receipt of reporting a case to the security authorities is effective, it is meant that the reporter's information and institute that the receipt of reporting a case to the security authorities includes
The personal information for stating the user that transfers accounts is consistent, the trading standard of the transaction ID that the receipt of reporting a case to the security authorities includes and the delay money transfer transactions
Know consistent.
When the receipt of reporting a case to the security authorities is photo, the whether effective mode of receipt of reporting a case to the security authorities described in the electronic payment platform judgement
It can be and be also possible to by artificial judgment through picture recognition engine after identifying relevant information in the photo for receipt of reporting a case to the security authorities
Judgement.
It voluntarily reports a case to the security authorities to transaction monitoring party in addition, the user that transfers accounts also may not need, but is existed by electronic payment platform
It receives user's initiation transaction of transferring accounts to stop after requesting, reinforms transaction monitoring party and investigated (use of transferring accounts for described in
It reports a case to the security authorities to transaction monitoring party at family).
In this specification embodiment, the timer times timing, it is meant that the timer completes the time of timing
Point is delayed namely the receipt on account user actually receives time points of transfer amounts and delayed.In this way, for user and
Speech can have more plenty of time to report a case to the security authorities to transaction monitoring party；For monitoring party of trading, can also have more abundant
Time is investigated, to judge whether the delay money transfer transactions are swindle transaction.
In step S104, the pause duration of the timer times timing can specify according to actual needs.It is described temporary
Stopping time is longer, and the time point that the timer completes timing is more late, leaves the time that transaction monitoring party is investigated for and gets over
Abundant, a possibility that user that transfers accounts successfully stops the delay money transfer transactions, is higher.
Fig. 2 is the contrast schematic diagram of the normal timing of the timer Yu the timer times timing.As shown in Fig. 2, false
If the user that transfers accounts is in the 12 points of initiation delay money transfer transactions requests on the 1st of September in 2018, specified delay duration is 24 hours, electronics
Payment platform is withholdd operation in the 12 points of completions in 1 minute on the 1st of September in 2018, and is created timer and started timing.
If the normal timing of timer, after 24 hours, the timer completes timing, then, electronics branch
Platform is paid in the 12 points of 1 minute accounts by transfer amounts write-in receipt on account user on the 2nd of September in 2018.If the timer pause meter
When after a period of time when pause (assuming that a length of 10 hours), then after 25 hours, the timer could complete timing, in
It is that electronic payment platform is in the 22 points of 1 minute accounts by transfer amounts write-in receipt on account user on the 2nd of September in 2018.
As it can be seen that as shown in Fig. 2, striven for control times of 10 hours for transaction monitoring party more, it is described transfer accounts user at
It is higher that function stops a possibility that delay money transfer transactions.
S106: if before the timer completes timing, transaction monitoring party is received for the delay money transfer transactions
The transaction halt instruction issued is requested, then the transfer amounts are returned to the user that transfers accounts.
Before the timer completes timing, if transaction monitoring party determines that the delay money transfer transactions are by investigation
Fraudulent trading, then can issue transaction halt instruction to electronic payment platform, and authorization electronic payment platform stops the delay and turns
Transfer amounts original road is restored to the account of the user that transfers accounts by account transaction, avoids the monetary losses of the user that transfers accounts.
It should be noted that the transaction halt instruction generally includes the transaction ID of the delay money transfer transactions, with bright
The really scope of authority of the transaction monitoring party (i.e. licensable electronic payment platform stops the delay money transfer transactions).
If it is transferring accounts what user voluntarily reported a case to the security authorities to transaction monitoring party, then the transaction ID is usually the user that transfers accounts
It is supplied to the transaction monitoring party.If it is transferring accounts what user reported a case to the security authorities to transaction monitoring party described in electronic payment platform generation, then
The transaction ID is usually that the electronic payment platform is supplied to the transaction monitoring party.
By the method for processing money transfer transactions shown in FIG. 1, user is transferred accounts when transferring accounts by electronic payment platform,
Can choose initiation delay money transfer transactions can also root while electronic payment platform is withholdd from the account for the user that transfers accounts
It according to the delay duration that the user that transfers accounts specifies, creates timer and simultaneously starts timing, to incite somebody to action after the timer completes timing
Withholdd item squeezes into the account of receipt on account user.Before the timer completes timing, user once has found that oneself may be cheated
It deceives, so that it may initiate transaction to electronic payment platform and stop request, electronic payment platform stops request in response to transaction, can immediately
Control the timer times timing.Also, before timer completes timing, electronic payment platform once receives transaction prison
The transaction halt instruction that pipe policy issues the delay money transfer transactions is equivalent to achieve the stopping delay money transfer transactions
Authorization withholdd item is returned into the user that transfers accounts again at this point, electronic payment platform can stop the delay money transfer transactions.
That is, transfer amounts (are squeezed into receipt on account user's before timer completes timing by electronic payment platform
Before account), request time out can be stopped in response to the transaction for the user that transfers accounts for a period of time, be used that is, delaying to receipt on account
The progress of money is beaten at family, and then to strive for control time with the transaction monitoring party for stopping money transfer transactions permission, so as to the transaction
Monitoring party completes investigation before the timer completes timing.If the delay money transfer transactions are truly swindle transaction, institute
Stating electronic payment platform can strive for receiving the friendship that the transaction monitoring party issues before the timer completes timing
Easy halt instruction, that is, the electronic payment platform can be striven for before the account that transfer amounts are squeezed into criminal, obtain
Stop the authorization of the delay money transfer transactions, in this way, transfer amounts can be returned to the user that transfers accounts, so that described transfer accounts
User avoids suffering monetary losses.
In addition, illustrating in embodiment at this, it is flat through e-payment that the delay money transfer transactions request can be the user that transfers accounts
Platform prompt and initiate.Specifically, before step S100, electronic payment platform can receive Client-initiated of transferring accounts and transfer accounts friendship
Easily request, if being requested according to the money transfer transactions, determination meets preset delay implied condition, then the user that transfers accounts described in prompt exists
Time delay is transferred accounts after function, and the money transfer transactions request is re-initiated.
That is, in practical applications, if the user that transfers accounts wants to transfer accounts to the receipt on account user, not
Time delay is transferred accounts function, and electronic payment platform is by analyzing the Client-initiated money transfer transactions request of transferring accounts,
It was found that the user that will prompt to transfer accounts is based on money transfer transactions request initiation delay again if meeting preset delay implied condition
Money transfer transactions request carries out delay and transfers accounts.User can voluntarily choose whether be delayed to transfer accounts.
Wherein, the delay implied condition can be specified according to actual business requirement.For example, if transferring accounts what user specified
Transfer amounts are greater than designated amounts (such as 10000 yuan), then meet the delay implied condition.
For another example, electronic payment platform is based on preset fraud risk identification model, identifies that Client-initiated of transferring accounts is transferred accounts
There are risks for transaction, then prompt user to carry out delay and transfer accounts, and so as to subsequent user once finding to be swindled, and have an opportunity to recover money
Gold loss.
In addition, electronic payment platform may be used also after controlling the timer times timing in this specification embodiment
To be based on preset fraud risk identification model, the delay money transfer transactions are requested to carry out risk identification, then according to identification
As a result, deciding whether that controlling the timer restores timing.If the recognition result characterization does not have fraud risk, institute is controlled
It states timer and restores timing；If the recognition result characterization has fraud risk, refuse to control the timer recovery timing.
Wherein, the fraud risk identification model can be the pre- model for first passing through machine learning algorithm training, can also be with
It is several rules set according to the subjective experience of people.
That is, can voluntarily turn to the delay after electronic payment platform controls the timer times timing
Account transaction carries out risk identification, to judge whether the delay money transfer transactions have fraud risk.
If having fraud risk, illustrate that transaction monitoring party is likely to assert the delay money transfer transactions by inquiry
It is swindle transaction, therefore, electronic payment platform is likely to the transaction halt instruction sent to continue waiting for transaction monitoring party, and
It will not be eager to control the timer recovery timing.
If not having fraud risk, illustrate that transaction monitoring party is likely to assert the friendship of transferring accounts that is delayed by inquiry
It is not easily swindle transaction, therefore, transaction monitoring party is likely to that transaction halt instruction will not be sent for the delay money transfer transactions,
Electronic payment platform can decide the control timer in its sole discretion and restore timing, it is not necessary to reserve the supervision to be transacted such as more times
The transaction halt instruction just sent.
Further, if the timer is using countdown mode timing, the electronic payment platform control
The concrete mode for making the timer recovery timing may is that
The duration for counting the timer times timing, as compensation duration；Then, according to the compensation duration, modification
Remaining timing duration, wherein the residue timing duration, is the also unfinished timing duration of the timer；Then, institute is controlled
It states timer and restores timing, to complete the modified remaining timing duration.
More specifically, modifying the mode of remaining timing duration are as follows:
Judge whether the remaining timing duration is greater than the compensation duration；If so, by the remaining timing duration with
The difference of the compensation duration is re-used as the remaining timing duration；Otherwise, the remaining timing duration is set to 0.
If the timer using reverse countdown mode timing, the electronic payment platform controls the meter
When device restore timing concrete mode may is that
The duration for counting the timer times timing, as compensation duration；Then, according to the compensation duration, modification
The delay duration；Then, it controls the timer and restores timing.More specifically, can be by the delay duration and the benefit
The difference for repaying duration is re-used as the delay duration.
In addition, further, the electronic payment platform refusal controls the concrete mode that the timer restores timing are as follows:
If the recognition result characterization has certainty fraud risk, the timer expiration timing is controlled；If described
Recognition result characterization has uncertain fraud risk, then continues to control the timer times timing, and to the timer
The pause duration of time out is configured.
Wherein, the certainty fraud risk can refer to that the fraud risk identification model assert that the delay is transferred accounts
Transaction is that the probability of fraudulent trading is very high.The uncertainty fraud risk, can refer to that the fraud risk identification model is recognized
It is not very high that the delay money transfer transactions, which are the probability of fraudulent trading, calmly, but not low yet.
If electronic payment platform voluntarily determines that the delay money transfer transactions have certainty fraud risk, illustrate to trade
Monitoring party is almost bound to assert that the delay money transfer transactions are swindle transaction by inquiry, and therefore, transaction monitoring party sooner or later can
The transaction halt instruction for the delay money transfer transactions is sent to electronic payment platform.Described in electronic payment platform then controls
The transaction halt instruction that transaction monitoring party is sent is waited in timer expiration timing quietly, and the delay money transfer transactions are equivalent to and are hung
It rises, receipt on account user can not receive transfer amounts forever.
It should be noted that pause duration described herein can specify according to actual needs.It should be noted that herein
The pause duration and previously described pause duration can be different concepts.Previously described pause duration, is in step
In S104, the duration of the timer times timing, and pause duration described herein is after step s 104, when being based on
When the fraud risk identification model assert that the delay money transfer transactions have uncertain fraud risk, timer continues to suspend
The duration of timing.
Certainly, pause duration described herein and previously described pause duration are also possible to identical concept.In this way, in step
In rapid S104, the timer times timing is controlled, pause duration is not configured, is based on the swindle wind immediately after
Dangerous identification model carries out risk identification to the delay money transfer transactions.If it is determined that the delay money transfer transactions have uncertainty
Fraud risk then continues to control the timer times timing, and is just configured to pause duration at this time.
Closer, when recognition result characterization has uncertain fraud risk, if in the timer knot
Before beam time out, the receipt of reporting a case to the security authorities of user's upload of transferring accounts is received, then extends the pause duration.Specifically, if institute
In specified time interval before stating timer and terminating time out, the receipt of reporting a case to the security authorities of user's upload of transferring accounts is received, then is prolonged
The long pause duration.
For example, receiving reporting a case to the security authorities for user's upload of transferring accounts if the timer terminated in 3 hours before time out
The pause duration is then extended 3 hours by receipt again.
This is because in practical application, it is assumed that the user that transfers accounts has found after oneself being swindled, and needs voluntarily to transaction monitoring party
It reports a case to the security authorities.If the user that transfers accounts initiates transaction to electronic payment platform and stops after requesting, (such as oneself forgets, hands over based on a variety of causes
Logical obstruction etc.) it does not report a case to the security authorities immediately to transaction monitoring party, and at the same time, the pause duration of the timer times timing exists
It is constantly consumed, the time point for terminating time out apart from timer is more and more closer, it is clear that the user that transfers accounts initiates transaction and stops asking
This before asking rear, reporting a case to the security authorities is wasted for a period of time.Therefore, electronic payment platform is if it find that receive user's upload of transferring accounts
Its time for initiating transaction stopping request of the time gap of receipt report a case to the security authorities farther out, so that it may the pause duration be appropriately extended, give
Transaction monitoring party reserves more control times.
Fig. 3 is the detailed process exemplary diagram for the processing money transfer transactions that this specification embodiment provides.As shown in figure 3, transferring accounts
On the one hand user, once finding that oneself is cheated, can report a case to the security authorities, on the other hand to electronics after carrying out delay and transferring accounts to public security organ
Payment platform request is shut the book.Electronic payment platform time out, then identifies transaction risk, if it is considered to calm
Timing is just restored in danger；If it is considered to there is certainty risk, timing is just terminated, if it is considered to there is uncertain risk, is continued to temporarily
Stop timing for a period of time (such as 3 hours).If the police send instruction of shutting the book before completing timing, then e-payment is flat
Platform can shut the book, and transfer amounts are returned to the user that transfers accounts.
Joined as it can be seen that this specification embodiment in fact offers a kind of support electronic payment platform with transaction monitoring party
Dynamic money transfer transactions processing system.Wherein, which can be by the service of the anti-server and electronic payment platform for swindling platform
Device composition.Electronic payment platform provides communication interface for anti-swindle platform, with support public security organ by anti-swindle platform to
Electronic payment platform sends instruction of shutting the book.
Based on the system, although electronic payment platform itself does not cancel the permission of delay money transfer transactions, electronics branch
Pay platform just can first control timer times timing after the complaint for receiving the user that transfers accounts, and then according to risk identification
As a result control timer restores timing, continues temporary timing or terminates timing.Electronic payment platform is by the above-mentioned means, can root
Delay the progress of the delay money transfer transactions according to actual conditions, reserves enough control times for transaction monitoring party.Meanwhile
Before the delay money transfer transactions are finally completed, transaction monitoring party once confirms that the delay money transfer transactions are swindle transaction, just
It can be prolonged described in electronic payment platform stopping by anti-platform of swindling to electronic payment platform transmission transaction halt instruction with authorizing
When money transfer transactions, transfer amounts are returned to the user that transfers accounts.
Based on the method for processing money transfer transactions shown in FIG. 1, this specification embodiment is also corresponding to provide a kind of processing turn
The device of account transaction, as shown in Figure 4, comprising:
Receiving module 401 receives Client-initiated delay money transfer transactions request of transferring accounts；
Timing is withholdd module 402, requests corresponding delay duration according to the delay money transfer transactions, creation timer is simultaneously opened
Beginning timing；And corresponding transfer amounts are requested according to the delay money transfer transactions, are withholdd for the user that transfers accounts；
Control module 403, if receiving the Client-initiated transaction of transferring accounts before the timer completes timing and stopping
It only requests, then controls the timer times timing；
Transaction stopping modular 404, if receiving transaction monitoring party before the timer completes timing and prolonging for described
When the transaction halt instruction that issues of money transfer transactions request, then the transfer amounts are returned to the user that transfers accounts.
The receiving module 401 receives the user that transfers accounts before Client-initiated delay money transfer transactions request is transferred accounts in reception
The money transfer transactions of initiation are requested；If being requested according to the money transfer transactions, determination meets preset delay implied condition, then prompts institute
It states and transfers accounts user after Time delay transfers accounts function, re-initiate the money transfer transactions request.
Described device further include: cue module 405 receives the transaction in the receiving module 401 and stops request
Afterwards, the user is prompted to report a case to the security authorities to the transaction monitoring party.
Described device further include: risk identification module 406 is based on preset swindleness after the timer times timing
Risk identification model is deceived, the delay money transfer transactions are requested to carry out risk identification；According to recognition result, decide whether to control institute
It states timer and restores timing；If the recognition result characterization does not have fraud risk, controls the timer and restore timing；If
The recognition result characterization has fraud risk, then refuses to control the timer recovery timing.
The risk identification module 406 counts the duration of the timer times timing, as compensation duration；According to institute
Compensation duration is stated, remaining timing duration is modified；The residue timing duration, is the also unfinished timing duration of the timer；
It controls the timer and restores timing, to complete the modified remaining timing duration.
The risk identification module 406, judges whether the remaining timing duration is greater than the compensation duration；If so,
By the difference of the remaining timing duration and the compensation duration, it is re-used as the remaining timing duration；Otherwise, by the residue
Timing duration is set to 0.
The risk identification module 406 controls the meter if recognition result characterization has certainty fraud risk
When device terminate timing；If the recognition result characterization has uncertain fraud risk, continue to control the timer times
Timing, and the pause duration of the timer times timing is configured.
The risk identification module 406, when recognition result characterization has uncertain fraud risk, if described
Before timer terminates time out, the receipt of reporting a case to the security authorities of user's upload of transferring accounts is received, then extends the pause duration；
Wherein, the receipt of reporting a case to the security authorities is the transaction monitoring party after the request of reporting a case to the security authorities for accepting the user that transfers accounts, and is provided
Transfer accounts user's to described.
This specification embodiment also provides a kind of computer equipment, includes at least memory, processor and is stored in
On reservoir and the computer program that can run on a processor, wherein processor realizes place shown in FIG. 1 when executing described program
The method for managing money transfer transactions.
Fig. 5 shows one kind provided by this specification embodiment and more specifically calculates device hardware structural schematic diagram,
The equipment may include: processor 1010, memory 1020, input/output interface 1030, communication interface 1040 and bus
1050.Wherein processor 1010, memory 1020, input/output interface 1030 and communication interface 1040 are real by bus 1050
The now communication connection inside equipment each other.
Processor 1010 can use general CPU (Central Processing Unit, central processing unit), micro- place
Reason device, application specific integrated circuit (Application Specific Integrated Circuit, ASIC) or one
Or the modes such as multiple integrated circuits are realized, for executing relative program, to realize technical side provided by this specification embodiment
Case.
Memory 1020 can use ROM (Read Only Memory, read-only memory), RAM (Random Access
Memory, random access memory), static storage device, the forms such as dynamic memory realize.Memory 1020 can store
Operating system and other applications are realizing technical solution provided by this specification embodiment by software or firmware
When, relevant program code is stored in memory 1020, and execution is called by processor 1010.
Input/output interface 1030 is for connecting input/output module, to realize information input and output.Input and output/
Module can be used as component Configuration (not shown) in a device, can also be external in equipment to provide corresponding function.Wherein
Input equipment may include keyboard, mouse, touch screen, microphone, various kinds of sensors etc., output equipment may include display,
Loudspeaker, vibrator, indicator light etc..
Communication interface 1040 is used for connection communication module (not shown), to realize the communication of this equipment and other equipment
Interaction.Wherein communication module can be realized by wired mode (such as USB, cable etc.) and be communicated, can also be wirelessly
(such as mobile network, WIFI, bluetooth etc.) realizes communication.
Bus 1050 include an access, equipment various components (such as processor 1010, memory 1020, input/it is defeated
Outgoing interface 1030 and communication interface 1040) between transmit information.
It should be noted that although above equipment illustrates only processor 1010, memory 1020, input/output interface
1030, communication interface 1040 and bus 1050, but in the specific implementation process, which can also include realizing normal fortune
Other assemblies necessary to row.In addition, it will be appreciated by those skilled in the art that, it can also be only comprising real in above equipment
Component necessary to existing this specification example scheme, without including all components shown in figure.
This specification embodiment also provides a kind of computer readable storage medium, is stored thereon with computer program, the journey
Method shown in FIG. 1 is realized when sequence is executed by processor.
Computer-readable medium includes permanent and non-permanent, removable and non-removable media can be by any method
Or technology come realize information store.Information can be computer readable instructions, data structure, the module of program or other data.
The example of the storage medium of computer includes, but are not limited to phase change memory (PRAM), static random access memory (SRAM), moves
State random access memory (DRAM), other kinds of random access memory (RAM), read-only memory (ROM), electric erasable
Programmable read only memory (EEPROM), flash memory or other memory techniques, read-only disc read only memory (CD-ROM) (CD-ROM),
Digital versatile disc (DVD) or other optical storage, magnetic cassettes, tape magnetic disk storage or other magnetic storage devices
Or any other non-transmission medium, can be used for storage can be accessed by a computing device information.As defined in this article, it calculates
Machine readable medium does not include temporary computer readable media (transitory media), such as the data-signal and carrier wave of modulation.
As seen through the above description of the embodiments, those skilled in the art can be understood that this specification
Embodiment can be realized by means of software and necessary general hardware platform.Based on this understanding, this specification is implemented
Substantially the part that contributes to existing technology can be embodied in the form of software products the technical solution of example in other words,
The computer software product can store in storage medium, such as ROM/RAM, magnetic disk, CD, including some instructions are to make
It is each to obtain computer equipment (can be personal computer, server or the network equipment etc.) execution this specification embodiment
Method described in certain parts of a embodiment or embodiment.
System, method, module or the unit that above-described embodiment illustrates can specifically realize by computer chip or entity,
Or it is realized by the product with certain function.A kind of typically to realize that equipment is computer, the concrete form of computer can
To be personal computer, laptop computer, cellular phone, camera phone, smart phone, personal digital assistant, media play
In device, navigation equipment, E-mail receiver/send equipment, game console, tablet computer, wearable device or these equipment
The combination of any several equipment.
All the embodiments in this specification are described in a progressive manner, same and similar portion between each embodiment
Dividing may refer to each other, and each embodiment focuses on the differences from other embodiments.Especially for method reality
For applying example, since it is substantially similar to the method embodiment, so describing fairly simple, related place is referring to embodiment of the method
Part explanation.Embodiment of the method described above is only schematical, wherein described be used as separate part description
Module may or may not be physically separated, can be each module when implementing this specification example scheme
Function realize in the same or multiple software and or hardware.Can also select according to the actual needs part therein or
Person's whole module achieves the purpose of the solution of this embodiment.Those of ordinary skill in the art are not the case where making the creative labor
Under, it can it understands and implements.
The above is only the specific embodiment of this specification embodiment, it is noted that for the general of the art
For logical technical staff, under the premise of not departing from this specification embodiment principle, several improvements and modifications can also be made, this
A little improvements and modifications also should be regarded as the protection scope of this specification embodiment.
Claims (17)
1. a kind of method for handling money transfer transactions, comprising:
Reception transfer accounts Client-initiated delay money transfer transactions request；
Corresponding delay duration is requested according to the delay money transfer transactions, create timer and starts timing；And according to described
The money transfer transactions that are delayed request corresponding transfer amounts, withhold for the user that transfers accounts；
If receiving the Client-initiated transaction of transferring accounts before the timer completes timing and stopping request, then control institute
State timer times timing；
If receiving what transaction monitoring party was issued for the delay money transfer transactions request before the timer completes timing
The transfer amounts are then returned to the user that transfers accounts by transaction halt instruction.
2. the method as described in claim 1, before Client-initiated delay money transfer transactions request is transferred accounts in reception, the method
Further include:
Reception transfer accounts Client-initiated money transfer transactions request；
If being requested according to the money transfer transactions, determination meets preset delay implied condition, then the user that transfers accounts described in prompt is touching
Hair delay is transferred accounts after function, and the money transfer transactions request is re-initiated.
3. the method as described in claim 1, after receiving the transaction and stopping request, the method also includes:
The user is prompted to report a case to the security authorities to the transaction monitoring party.
4. the method as described in claim 1, after the timer times timing, the method also includes:
Based on preset fraud risk identification model, the delay money transfer transactions are requested to carry out risk identification；
According to recognition result, decide whether that controlling the timer restores timing；
If the recognition result characterization does not have fraud risk, controls the timer and restore timing；
If the recognition result characterization has fraud risk, refuse to control the timer recovery timing.
5. method as claimed in claim 4 controls the timer and restores timing, specifically includes:
The duration for counting the timer times timing, as compensation duration；
According to the compensation duration, remaining timing duration is modified；The residue timing duration is that the timer does not complete also
Timing duration；
It controls the timer and restores timing, to complete the modified remaining timing duration.
6. method as claimed in claim 5 is modified remaining timing duration, is specifically included according to the compensation duration:
Judge whether the remaining timing duration is greater than the compensation duration；
If so, the difference of the remaining timing duration and the compensation duration is re-used as the remaining timing duration；
Otherwise, the remaining timing duration is set to 0.
7. method as claimed in claim 4, refusal controls the timer and restores timing, specifically includes:
If the recognition result characterization has certainty fraud risk, the timer expiration timing is controlled；
If the recognition result characterization has uncertain fraud risk, continue to control the timer times timing, and right
The pause duration of the timer times timing is configured.
8. the method for claim 7, if recognition result characterization has uncertain fraud risk, the method
Further include:
If receiving the receipt of reporting a case to the security authorities of user's upload of transferring accounts, then described in extension before the timer terminates time out
Suspend duration；
Wherein, the receipt of reporting a case to the security authorities is the transaction monitoring party after the request of reporting a case to the security authorities for accepting the user that transfers accounts, and is provided to institute
It states and transfers accounts user's.
9. a kind of device for handling money transfer transactions, comprising:
Receiving module receives Client-initiated delay money transfer transactions request of transferring accounts；
Timing is withholdd module, requests corresponding delay duration according to the delay money transfer transactions, creation timer simultaneously starts timing；
And corresponding transfer amounts are requested according to the delay money transfer transactions, are withholdd for the user that transfers accounts；
Control module, if receiving the Client-initiated transaction of transferring accounts before the timer completes timing and stopping request,
Then control the timer times timing；
Transaction stopping modular, if receiving transaction monitoring party before the timer completes timing and transferring accounts for the delay
The transfer amounts are then returned to the user that transfers accounts by the transaction halt instruction that transaction request issues.
10. device as claimed in claim 9, the receiving module is asked in reception Client-initiated delay money transfer transactions of transferring accounts
Before asking, Client-initiated money transfer transactions request of transferring accounts is received；If being requested according to the money transfer transactions, determination meets preset prolong
When implied condition, then transfer accounts user after Time delay transfers accounts function described in prompt, re-initiate money transfer transactions request.
11. device as claimed in claim 9, described device further include:
Cue module prompts the user to the transaction after the receiving module receives the transaction stopping request
Monitoring party is reported a case to the security authorities.
12. device as claimed in claim 9, described device further include:
Risk identification module is based on preset fraud risk identification model, prolongs to described after the timer times timing
When money transfer transactions request carry out risk identification；According to recognition result, decide whether that controlling the timer restores timing；If described
Recognition result characterization does not have fraud risk, then controls the timer and restore timing；If the recognition result characterization has swindleness
Risk is deceived, then refuses to control the timer recovery timing.
13. device as claimed in claim 12, the risk identification module count the duration of the timer times timing,
As compensation duration；According to the compensation duration, remaining timing duration is modified；The residue timing duration, is the timer
Also unfinished timing duration；It controls the timer and restores timing, to complete the modified remaining timing duration.
14. device as claimed in claim 13, the risk identification module, judge whether the remaining timing duration is greater than institute
State compensation duration；If so, by the difference of the remaining timing duration and the compensation duration, when being re-used as the remaining timing
It is long；Otherwise, the remaining timing duration is set to 0.
15. device as claimed in claim 12, the risk identification module, if recognition result characterization has certainty swindleness
Risk is deceived, then controls the timer expiration timing；If the recognition result characterization has uncertain fraud risk, continue
The timer times timing is controlled, and the pause duration of the timer times timing is configured.
16. device as claimed in claim 15, the risk identification module, when recognition result characterization has uncertainty
When fraud risk, if receiving the receipt of reporting a case to the security authorities of user's upload of transferring accounts before the timer terminates time out, then prolonging
The long pause duration；
Wherein, the receipt of reporting a case to the security authorities is the transaction monitoring party after the request of reporting a case to the security authorities for accepting the user that transfers accounts, and is provided to institute
It states and transfers accounts user's.
17. a kind of computer equipment including memory, processor and stores the meter that can be run on a memory and on a processor
Calculation machine program, wherein the processor realizes method as claimed in any one of claims 1 to 8 when executing described program.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201811095903.7A CN109325770A (en) | 2018-09-19 | 2018-09-19 | A kind of method and device handling money transfer transactions |
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| CN201811095903.7A CN109325770A (en) | 2018-09-19 | 2018-09-19 | A kind of method and device handling money transfer transactions |
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| CN201811095903.7A Pending CN109325770A (en) | 2018-09-19 | 2018-09-19 | A kind of method and device handling money transfer transactions |
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