CN109657964A - A kind of banking authorization determination method and system - Google Patents
A kind of banking authorization determination method and system Download PDFInfo
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- CN109657964A CN109657964A CN201811525271.3A CN201811525271A CN109657964A CN 109657964 A CN109657964 A CN 109657964A CN 201811525271 A CN201811525271 A CN 201811525271A CN 109657964 A CN109657964 A CN 109657964A
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Abstract
This application discloses a kind of banking authorization determination method and systems, and the corresponding customer identification of client of target banking is handled by obtaining；It obtains and handles the business tine information that the client of target banking generates；Banking authorization decision request is generated according to the customer identification and the business tine information；According to preset banking authorization decision rule, the banking authorization decision request is checked and approved, banking authorization is obtained and determines result.Due to that can be checked and approved automatically according to pre-set banking authorization decision rule the banking authorization decision request in the embodiment of the present invention, authorizes in approval procedure and participated in without artificial, improve the accuracy that banking authorization determines result.
Description
Technical field
The present invention relates to financial technology fields, and in particular to a kind of banking authorization determination method and system.
Background technique
Business bank site mainly includes two kinds of channels of cabinet face banking and self-help bank's business.Cabinet face banking canal
Road is mainly by the corresponding banking of teller generation visitor operation client.Self-help bank's business channel mainly rely on intelligent sales counter,
The equipments such as super sales counter independently complete silver by client under the guidance of customer manager on the equipments such as intelligent sales counter, super sales counter
Row business operation.
The operation of illegal banking, business bank all can be arranged banking in business procession and award in order to prevent
Determinating mode is weighed, to make approval authorization to cabinet face banking and self-help bank's business.Existing banking authorization is sentenced
Mould-fixed mainly include it is local check and approve authorization and remote centralized checks and approves authorization both of which, it is local check and approve authorization by site other
Business personnel verifies banking details and banking background, makes approval Authorized operation.Remote centralized approval is awarded
Quan Ze is to concentrate the banking authorization decision request of the compass of competency site Nei Ge to send authorization center, by the special of authorization center
Duty authorization teller carries out approval authorisation process.However both the above banking authorization determinating mode requires manually to participate in checking and approving
Authorization, and manually participate in checking and approving during authorization that there is can not grasp banking information and subjective judgement completely
Problem determines to check and approve result inaccuracy so as to cause banking authorization.
Summary of the invention
In view of this, the embodiment of the present invention provides a kind of banking authorization determination method and system, bank can be improved
Service authorization determines to check and approve the accuracy of result.
A kind of banking authorization determination method, comprising:
Obtain the corresponding customer identification of client for handling target banking；
It obtains and handles the business tine information that the client of target banking generates；
Banking authorization decision request is generated according to the customer identification and the business tine information；
According to preset banking authorization decision rule, the banking authorization decision request is checked and approved, is obtained
Result is determined to banking authorization.
Preferably, described to obtain the process packet for handling the corresponding customer identification of client of target banking
It includes:
The identity information of the client of target banking is handled in acquisition；
Obtain the identity information of the corresponding legitimate user of the target banking；
Using the identity information of the corresponding legitimate user of the target banking, to the client for handling target banking
Identity information authenticated, obtain the corresponding customer identification of client for handling target banking.
Preferably, after obtaining the business tine information that the client for handling target banking generates, further includes:
Obtain the business tine information for the target banking of teller's input；
The business tine information generated using the client for handling target banking is to the teller for the mesh
The business tine information of mark banking input is verified, and business tine information checking result is obtained；
According to the business tine information checking as a result, obtaining the business tine information for teller's input that verification passes through.
Preferably, described to be awarded according to the customer identification and business tine information generation banking
Power decision request process include:
Business tine information generation banking according to teller's input that the customer identification, verification pass through
Authorize decision request.
Preferably, further includes: obtain and handle the business voucher information that the client of target banking uploads；
Sentence correspondingly, generating banking authorization according to the customer identification and the business tine information
Fixed request includes: to generate according to the customer identification, the business tine information and the business voucher information
Banking authorization decision request.
Preferably, further includes:
Obtain pre-set risk of banking assessment strategy；
According to the risk of banking assessment strategy, risk assessment is carried out to the banking authorization decision request,
Obtain risk of banking assessment result.
Preferably, described according to preset banking authorization decision rule, to the banking authorization decision request
It is checked and approved, the process for obtaining banking authorization judgement result includes:
According to preset banking authorization decision rule and risk of banking assessment result, to the banking
Authorization decision request is checked and approved, and is obtained banking authorization and is determined result.
A kind of banking authorization decision-making system, comprising:
Customer identification obtains module, for obtaining the corresponding client identity of client for handling target banking
Authentication information；
Business tine data obtaining module, for obtaining the business tine letter handling the client of target banking and generating
Breath；
Banking authorization decision request generation module, for according to the customer identification and the business
Content information generates banking authorization decision request；
Banking authorization determines that result obtains module, is used for according to preset banking authorization decision rule, to institute
It states banking authorization decision request to be checked and approved, obtains banking authorization and determine result.
Preferably, the customer identification acquisition module includes:
Client identity information acquisition module, for acquiring the identity information for handling the client of target banking；
Legal identity data obtaining module, the identity for obtaining the corresponding legitimate user of the target banking are believed
Breath；
Identity information authentication module, it is right for the identity information using the corresponding legitimate user of the target banking
The identity information for handling the client of target banking authenticates, and obtains the corresponding client of client for handling target banking
Authentication information.
Preferably, further includes:
First teller's incoming traffic content information obtains module, for obtain teller's input for the target banking
The business tine information of business；
Business tine information checking module, the business tine that the client for handling target banking described in utilizing generates
Information verifies the teller for the business tine information of target banking input, obtains business tine information
Check results；
Second teller's incoming traffic content information obtain module, for according to the business tine information checking as a result, obtaining
The business tine information for the teller's input for taking verification to pass through.
Preferably, the banking authorization decision request generation module includes:
Bank One Corp. service authorization decision request generates submodule, for according to the customer identification, verification
By teller input business tine information generate banking authorization decision request.
Preferably, further includes:
Business voucher data obtaining module, for obtaining the business voucher letter handling the client of target banking and uploading
Breath；
Correspondingly, the banking authorization decision request generation module includes:
Secondary bank service authorization decision request generates submodule, according to the customer identification, the business
Content information and the business voucher information generate banking authorization decision request.
Preferably, further includes:
Risk of banking assessment strategy obtains module, for obtaining pre-set risk of banking assessment strategy；
Risk evaluation module, for determining the banking authorization according to the risk of banking assessment strategy
Request carries out risk assessment, obtains risk of banking assessment result.
Preferably, the banking authorization determines that result obtains module and includes:
Banking authorization determines result acquisition submodule, for according to preset banking authorization decision rule and
Risk of banking assessment result checks and approves the banking authorization decision request, obtains banking authorization judgement
As a result.
Based on the above-mentioned technical proposal, the embodiment of the invention discloses a kind of banking authorization determination method and systems, lead to
Cross the corresponding customer identification of client for obtaining and handling target banking；Obtain the client for handling target banking
The business tine information of generation；Banking is generated according to the customer identification and the business tine information to award
Weigh decision request；According to preset banking authorization decision rule, the banking authorization decision request is checked and approved,
It obtains banking authorization and determines result.Due to that can determine according to pre-set banking authorization in the embodiment of the present invention
Rule checks and approves the banking authorization decision request automatically, authorizes in approval procedure and participates in without artificial, improves
The accuracy of banking authorization judgement result.
Detailed description of the invention
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 technical description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this
The embodiment of invention for those of ordinary skill in the art without creative efforts, can also basis
The attached drawing of offer obtains other attached drawings.
Fig. 1 is a kind of flow chart of banking authorization determination method provided in an embodiment of the present invention；
Fig. 2 is the flow chart of another banking authorization determination method provided in an embodiment of the present invention；
Fig. 3 is the flow chart of another banking authorization determination method provided in an embodiment of the present invention；
Fig. 4 is the flow chart of another banking authorization determination method provided in an embodiment of the present invention；
Fig. 5 is a kind of banking authorization determination method business process map provided in an embodiment of the present invention；
Fig. 6 is a kind of structural block diagram of banking authorization decision-making system provided in an embodiment of the present invention；
Fig. 7 is a kind of hardware block diagram of banking authorization decision-making system provided in an embodiment of the present invention.
Specific embodiment
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 description, 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.
Fig. 1 shows a kind of flow chart of banking authorization determination method, and this method can be realized by server, referring to figure
1, the method may include:
Step S100, the corresponding customer identification of client for handling target banking is obtained；
Target banking includes all bankings that can be handled on bank counter and self-service machine, such as:
Debt business, assets operation and corresponding some intermediary services etc., the embodiment of the present invention is not specifically limited.
The corresponding customer identification of the client for handling target banking is to the visitor for handling target banking
Family carry out authentication as a result, it is specific needs the legitimacy for the client identity for handling target banking is authenticated.
It should be noted that obtaining the process packet for handling the corresponding customer identification of client of target banking
Include: the identity information of the client of target banking is handled in acquisition；Obtain the corresponding legitimate user's of the target banking
Identity information；Using the identity information of the corresponding legitimate user of the target banking, to the visitor for handling target banking
The identity information at family is authenticated, and the corresponding customer identification of client for handling target banking is obtained.
In the embodiment of the present invention, the process that the identity information of the client of target banking is handled in acquisition can be using biology
Identification technology (such as: recognition of face, iris recognition or fingerprint recognition etc.), the life of the client of target banking is handled in acquisition
Object characteristic information；The information in the identity documents for the client's offer for handling target banking can also be acquired, as the client
Identity information；The signature or print of the client of target banking can also be handled by signature or seal comparison technology, acquisition
Chapter information, subsequent realization signature is veritified or electronics print test.
Correspondingly, the identity information of legitimate user can be the identity of the biological information of legitimate client, legitimate client
The signature or seal information etc. of credential information or legitimate client.
In the identity information using the corresponding legitimate user of the target banking, to the visitor for handling target banking
During the identity information at family is authenticated, Ministry of Public Security's authentication can be accessed and compare network verification system, it is ensured that identity
The accuracy of authentication result.
Step S110, it obtains and handles the business tine information that the client of the target banking generates；
ORC (Optical Character Recognition, optical character identification) can be based in the embodiment of the present invention
Technology identifies business tine information from the banking request slip that the client for handling target banking fills in.Wherein,
The banking request slip that the client for handling target banking fills in can be the papery Shen that client fills on bank counter
It please be single, or the electronic application list that client fills on bank self-help machine, the embodiment of the present invention are not specifically limited.
Optionally, banking request slip can be bank's pre-fill list, application, contract text etc., the embodiment of the present invention
It is not specifically limited.
The business tine information is information relevant to the business that client handles, such as in bank transaction business, industry
Business content information can be transaction applicant's information, the information such as Transaction Account number, transaction amount.
Step S120, banking authorization is generated according to the customer identification and the business tine information
Decision request；
Banking authorization decision request is mainly that the request of authorisation process is carried out to the banking to be handled of client.
Step S130, according to preset banking authorization decision rule, to the banking authorization decision request into
Row is checked and approved, and is obtained banking authorization and is determined result.
Different banking types is directed in the embodiment of the present invention in advance, is determined provided with different banking authorizations
Rule, such as the accuracy of client identity, the accuracy of banking field input item, authenticity or regulatory requirements are veritified
The accuracy etc. of item, so as to be asked to banking authorization judgement according to preset banking authorization decision rule
It asks and is checked and approved, obtain banking authorization and determine result.
It should be noted that obtained banking authorization determines that result can be the knot for allowing authorize/not allow to authorize
Fruit can also show the approval checked and approved to the banking authorization decision request as a result, by the core to bank cashier
Quasi- result determines result as banking authorization.
According to preset banking authorization decision rule, the banking authorization decision request is checked and approved
In the process, it specifically needs to check and approve each item to be checked and approved in banking authorization decision request one by one, only be needed
Check and approve in the case that item all meets banking authorization decision rule, if can just provide it is allowing to authorize as a result, have one to
It checks and approves item and does not meet banking authorization decision rule, the result for allowing to authorize will be provided not；Alternatively, it is part of crucial to
Check and approve in the case that item meets banking authorization decision rule, provide allow to authorize as a result, specific this hair of authorization
Bright embodiment is not specifically limited.
The embodiment of the present invention handles the corresponding customer identification of client of target banking by obtaining；It obtains
The business tine information that the client for handling target banking generates；According to the customer identification and the business
Content information generates banking authorization decision request；According to preset banking authorization decision rule, to the banking
Business authorization decision request is checked and approved, and is obtained banking authorization and is determined result.Due to can be according to pre- in the embodiment of the present invention
The banking authorization decision rule being first arranged checks and approves the banking authorization decision request automatically, and authorization is checked and approved
It is participated in the process without artificial, improves the accuracy that banking authorization determines result.
Optionally, in cabinet face, banking handles channel, due to needing by the corresponding banking of teller generation visitor operation client
Business needs teller's input to be directed to the business tine information of the target banking in this process, inputs bank in teller
During business tine, there can be risk operations, the fault behaviour during teller inputs banking content in order to prevent
The generation of work or illegal operation, the embodiment of the invention discloses the flow charts of another banking authorization determination method, should
Method can realize by server, referring to Fig. 2, the method may include:
Step S200, the corresponding customer identification of client for handling target banking is obtained；
Step S210, it obtains and handles the business tine information that the client of target banking generates；
Step S220, the business tine information that teller is directed to target banking input is obtained；
In cabinet face, banking handles channel, and bank cashier can be according in the target banking request slip that client fills in
Business tine information, input is directed to the business tine information of the target banking in banking authorization decision-making system,
The business tine information for being directed to the target banking can be in the business of client's generation for handle target banking
Hold information, can also be the key content information in the business tine information for the client's generation for handling target banking, this hair
Bright embodiment is not specifically limited.
Step S230, the business tine information generated using the client for handling target banking is to teller's needle
The business tine information of target banking input is verified, business tine information checking result is obtained；
It should be noted that can use the industry that the client for handling target banking generates in the embodiment of the present invention
Business content information verifies the teller for the business tine information of target banking input, and only teller is defeated
In the case that the business tine information entered complies fully with the business tine information of client's generation, the business tine of teller's input is determined
Information checking passes through；Or the key message in the business tine information of teller's input meets the business tine information of client's generation
In the case where, determine that the business tine information checking of teller's input passes through, specific decision procedure can be by those skilled in the art
It is set according to actual conditions, the embodiment of the present invention is not specifically limited.
Step S240, according to the business tine information checking as a result, obtaining in the business for teller's input that verification passes through
Hold information；
Step S250, the business tine information of the teller's input passed through according to the customer identification, verification is raw
At banking authorization decision request；
Step S260, according to preset banking authorization decision rule, to the banking authorization decision request into
Row is checked and approved, and is obtained banking authorization and is determined result.
In the embodiment of the present invention, in cabinet face, banking handles channel, by handling target banking described in utilization
The business tine information that client generates carries out school for the business tine information of target banking input to the teller
It tests, obtains business tine information checking as a result, thus according to the business tine information checking as a result, obtaining the cabinet that verification passes through
The business tine information of member's input, the business tine letter according to teller's input that the customer identification, verification pass through
Breath generates banking authorization decision request；According to preset banking authorization decision rule, to the banking authorization
Decision request is checked and approved, and is obtained banking authorization and is determined result.It follows that by described in utilization in the embodiment of the present invention
The business tine information that the client for handling target banking generates is to the teller for target banking input
The process that business tine information is verified, can prevent teller input banking content during operation error or
The generation of illegal operation ensure that the standard of the business tine information for the teller's input being input in banking authorization decision-making system
True property, to improve the safety of client's handling bank business.
Corresponding business voucher is provided due to during handling certain bankings, generally requiring client, then
During banking authorization determines, then the business voucher for providing client is needed to take into account, be based on this, the present invention is implemented
Example discloses the flow chart of another banking authorization determination method, and this method can be realized by server, described referring to Fig. 3
Method may include:
Step S300, the corresponding customer identification of client for handling target banking is obtained；
Step S310, it obtains and handles the business tine information that the client of target banking generates；
Step S320, it obtains and handles the business voucher information that the client of target banking uploads；
Business voucher can be identity card, bank card, bankbook etc., and the embodiment of the present invention is not specifically limited.
It can be based on ORC technology in the embodiment of the present invention, identify the relevant information on business voucher, particularly relevant information
It may include customer information belonging to business voucher and the business information on business voucher etc..
Step S330, believe according to the customer identification, the business tine information and the business voucher
Breath generates banking authorization decision request；
Step S340, according to preset banking authorization decision rule, to the banking authorization decision request into
Row is checked and approved, and is obtained banking authorization and is determined result.
According to preset banking authorization decision rule, the banking authorization decision request is checked and approved
In the process, it is also necessary to the authenticity and validity of information on business voucher be checked and approved, further ensure that banking is awarded
Power determines the accuracy of result.
It should be noted that can be caused to the property of client certain since there are certain risks for certain bankings
Loss, in order to evade risk present in banking, the embodiment of the present invention is also examined in banking authorization decision process
Consider the process that the banking handled to client carries out risk assessment, is based on this, the embodiment of the invention discloses another
The flow chart of banking authorization determination method is planted, this method can be realized by server, reference Fig. 4, the method may include:
Step S400, the corresponding customer identification of client for handling target banking is obtained；
Step S410, it obtains and handles the business tine information that the client of target banking generates；
Step S420, banking authorization is generated according to the customer identification and the business tine information
Decision request；
Step S430, pre-set risk of banking assessment strategy is obtained；
Risk of banking assessment strategy is to whether there is the strategy that risk is assessed to banking, wherein including pair
Risk information present in user transaction period is assessed, such as anti money washing risk assessment etc., and risk of banking assesses plan
It can slightly be set by those skilled in the art according to actual conditions, the embodiment of the present invention is not specifically limited.
Step S440, according to the risk of banking assessment strategy, the banking authorization decision request is carried out
Risk assessment obtains risk of banking assessment result；
In carrying out risk assessment processes, the historical operational information of client can be transferred, in conjunction with historical operational information, to this
Secondary business tine and business object carry out risk assessment, obtain risk of banking assessment result.
Step S450, according to preset banking authorization decision rule and risk of banking assessment result, to institute
It states banking authorization decision request to be checked and approved, obtains banking authorization and determine result.
Inventive embodiments are in banking authorization decision process, it is also contemplated that the banking handled to client
The process of risk assessment is carried out, banking authorization determines that result has references to risk of banking assessment result, improves bank
Service authorization determines accuracy, authenticity and the compliance of result, can evade falling risk present in banking, guarantees
Client's property and information security.
It is a kind of banking authorization determination method business process map disclosed by the embodiments of the present invention, knot referring to Fig. 5
Specific example is closed to illustrate process disclosed in the embodiments of the present invention, particular content is as follows:
1, client handles bank transaction business in bank outlets.
If 2, client is handled by cabinet face banking channel, client is needed to fill in bank transaction business request slip first
In each field in information, such as client handles transferred account service, then needs to fill in transfer amounts, gathering in request slip of transferring accounts
The fields information such as people, shroff account number, furthermore, it is desirable to client's sign or seal in request slip of transferring accounts.Bank cashier is according to client
The field information in bank transaction business request slip filled in inputs field information in front end system transaction data acquisition module
Content.
If client is handled by self-help bank's business channel, need to guide client to fill on self-service machine by customer manager
Information in each field of bank transaction business request slip, and after client fills in and finishes, it is committed to front end system transaction automatically
In data acquisition module.
3, business voucher (identity card or bankbook etc.) image provided by teller or customer manager typing client, business
Voucher identification module can identify the type and content of business voucher, and recognition result is transmitted to Transaction Information validating module
In.
4, it guides client by bio-identifications tools such as recognitions of face by teller or customer manager, is authenticated in client identity
Typing client identity information in module obtains client identity authentication result by authenticating to client identity information.
If 5, client is handled by cabinet face banking channel, needs Transaction Information validating module to obtain front end system and hand over
The bank transaction business request slip that easy data acquisition module block scan client fills in, in conjunction with business voucher identification module and client's body
Information in part authentication module, the information filled in bank transaction business request slip using client believe the field that teller fills in
Breath content is verified, if verification passes through, the field information that teller fills in is transmitted to delegated strategy judgment module, if
Verification does not pass through, then issues prompt.
6, transaction triggers authorization point in background system, is transferred in client identity authentication module by delegated strategy judgment module
Information in information and Transaction Information validating module, and the information in the monitor supervision platform AM access module of thing risk is combined to carry out silver
Row service authorization determines, obtains banking authorization and determines as a result, banking authorization obtained in it determines that result can also be with
It submits to authorization teller and carries out manual review.
It should be noted that delegated strategy judgment module can be according to different banking types, using different authorizations
Determination strategy:
Such as transferred account service, delegated strategy judgment module then needs to judge whether transfer amounts are more than amount limitation,
Whether account identity is me, and whether the account of money transfer transactions both sides is legal, and whether the field information of typing legal, complete, cabinet
Whether the teller in the banking channel of face, which has, is handled permission etc..
Business is reported the loss for important blank voucher, delegated strategy judgment module needs to judge that important blank voucher reports the loss application
It is accurate, complete whether book is filled in, and reports the loss whether reason meets regulation, if reports the loss voucher, reports the loss whether voucher legal, cabinet face
Whether the teller in banking channel, which has, is handled permission etc..
For maintenance of information business, whether delegated strategy judgment module needs to judge the information in maintenance of information application materials
Fill in accurate, complete, whether certificate legal, complete, whether typing information complete, teller in the banking channel of cabinet face whether
With handling permission etc..
7, the final result determined for banking authorization returns to site channel customer end, completes authorization or do not authorize to refer to
Show, triggering following operation.
Banking authorization decision-making system provided in an embodiment of the present invention is introduced below, banking described below
Business authorization decision-making system, can correspond to each other reference with above-described banking authorization determination method.Bank described below
Service authorization decision-making system, it is believed that be the server banking authorization judgement side that embodiment provides to realize the present invention
Method, the functional module framework of required setting.
Fig. 6 is the structural block diagram of banking authorization decision-making system provided in an embodiment of the present invention, which can be applied to
Server, referring to Fig. 6, which may include:
Customer identification obtains module 100, for obtaining the corresponding client of client for handling target banking
Authentication information；
Business tine data obtaining module 110, for obtaining the business tine handling the client of target banking and generating
Information；
Banking authorization decision request generation module 120, for according to the customer identification and described
Business tine information generates banking authorization decision request；
Banking authorization determines that result obtains module 130, is used for according to preset banking authorization decision rule, right
The banking authorization decision request is checked and approved, and is obtained banking authorization and is determined result.
Based on above-mentioned banking authorization decision-making system embodiment, the present invention can also choose proper modules from lower module
Form new banking authorization decision-making system, concrete composition mode can the associated description in corresponding method embodiment carry out it is true
Fixed, this embodiment is not repeated.
The customer identification obtains module
Client identity information acquisition module, for acquiring the identity information for handling the client of target banking；
Legal identity data obtaining module, the identity for obtaining the corresponding legitimate user of the target banking are believed
Breath；
Identity information authentication module, it is right for the identity information using the corresponding legitimate user of the target banking
The identity information for handling the client of target banking authenticates, and obtains the corresponding client of client for handling target banking
Authentication information.
Further include:
First teller's incoming traffic content information obtains module, for obtain teller's input for the target banking
The business tine information of business；
Business tine information checking module, the business tine that the client for handling target banking described in utilizing generates
Information verifies the teller for the business tine information of target banking input, obtains business tine information
Check results；
Second teller's incoming traffic content information obtain module, for according to the business tine information checking as a result, obtaining
The business tine information for the teller's input for taking verification to pass through.
The banking authorization decision request generation module includes:
Bank One Corp. service authorization decision request generates submodule, for according to the customer identification, verification
By teller input business tine information generate banking authorization decision request.
Further include:
Business voucher data obtaining module, for obtaining the business voucher letter handling the client of target banking and uploading
Breath；
Correspondingly, the banking authorization decision request generation module includes:
Secondary bank service authorization decision request generates submodule, according to the customer identification, the business
Content information and the business voucher information generate banking authorization decision request.
Further include:
Risk of banking assessment strategy obtains module, for obtaining pre-set risk of banking assessment strategy；
Risk evaluation module, for determining the banking authorization according to the risk of banking assessment strategy
Request carries out risk assessment, obtains risk of banking assessment result.
The banking authorization determines that result obtains module and includes:
Banking authorization determines result acquisition submodule, for according to preset banking authorization decision rule and
Risk of banking assessment result checks and approves the banking authorization decision request, obtains banking authorization judgement
As a result.
Optionally, banking authorization decision-making system can be hardware device, and above-described module can be set in silver
Functional module in row service authorization decision-making system.Fig. 7 shows the hardware block diagram of banking authorization decision-making system, ginseng
According to Fig. 7, banking authorization decision-making system may include: processor 1, communication interface 2, memory 3 and communication bus 4；Wherein
Processor 1, communication interface 2, memory 3 complete mutual communication by communication bus 4；Optionally, communication interface 2 can be
The interface of communication module, such as the interface of gsm module；
Processor 1, for executing program；Memory 3, for storing program；Program may include program code, the journey
Sequence code includes computer operation instruction；
Processor 1 may be a central processor CPU or specific integrated circuit ASIC (Application
Specific Integrated Circuit), or be arranged to implement the integrated electricity of one or more of the embodiment of the present invention
Road；Memory 3 may include high speed RAM memory, it is also possible to further include nonvolatile memory (non-volatile
Memory), a for example, at least magnetic disk storage.
Wherein, program can be specifically used for:
Obtain the corresponding customer identification of client for handling target banking；
It obtains and handles the business tine information that the client of target banking generates；
Banking authorization decision request is generated according to the customer identification and the business tine information；
According to preset banking authorization decision rule, the banking authorization decision request is checked and approved, is obtained
Result is determined to banking authorization.
In summary:
The embodiment of the invention discloses a kind of banking authorization determination method and systems, handle target bank by obtaining
The corresponding customer identification of the client of business；It obtains and handles the business tine letter that the client of target banking generates
Breath；Banking authorization decision request is generated according to the customer identification and the business tine information；Foundation
Preset banking authorization decision rule checks and approves the banking authorization decision request, obtains banking and award
Power determines result.Due to can be according to pre-set banking authorization decision rule, to the silver in the embodiment of the present invention
Row service authorization decision request is checked and approved automatically, is authorized in approval procedure and is participated in without artificial, improves banking authorization
Determine the accuracy of result.
Each embodiment in this specification is described in a progressive manner, the highlights of each of the examples are with other
The difference of embodiment, the same or similar parts in each embodiment may refer to each other.For device disclosed in embodiment
For, since it is corresponded to the methods disclosed in the examples, so being described relatively simple, related place is said referring to method part
It is bright.
Professional further appreciates that, unit described in conjunction with the examples disclosed in the embodiments of the present disclosure
And algorithm steps, can be realized with electronic hardware, computer software, or a combination of the two, in order to clearly demonstrate hardware and
The interchangeability of software generally describes each exemplary composition and step according to function in the above description.These
Function is implemented in hardware or software actually, the specific application and design constraint depending on technical solution.Profession
Technical staff can use different methods to achieve the described function each specific application, but this realization is not answered
Think beyond the scope of this invention.
The step of method described in conjunction with the examples disclosed in this document or algorithm, can directly be held with hardware, processor
The combination of capable software module or the two is implemented.Software module can be placed in random access memory (RAM), memory, read-only deposit
Reservoir (ROM), electrically programmable ROM, electrically erasable ROM, register, hard disk, moveable magnetic disc, CD-ROM or technology
In any other form of storage medium well known in field.
The foregoing description of the disclosed embodiments enables those skilled in the art to implement or use the present invention.
Various modifications to these embodiments will be readily apparent to those skilled in the art, as defined herein
General Principle can be realized in other embodiments without departing from the spirit or scope of the present invention.Therefore, of the invention
It is not intended to be limited to the embodiments shown herein, and is to fit to and the principles and novel features disclosed herein phase one
The widest scope of cause.
Claims (14)
1. a kind of banking authorization determination method characterized by comprising
Obtain the corresponding customer identification of client for handling target banking；
It obtains and handles the business tine information that the client of target banking generates；
Banking authorization decision request is generated according to the customer identification and the business tine information；
According to preset banking authorization decision rule, the banking authorization decision request is checked and approved, silver is obtained
Row service authorization determines result.
2. the method according to claim 1, wherein the client that target banking is handled in the acquisition is corresponding
The process of customer identification includes:
The identity information of the client of target banking is handled in acquisition；
Obtain the identity information of the corresponding legitimate user of the target banking；
Body using the identity information of the corresponding legitimate user of the target banking, to the client for handling target banking
Part information is authenticated, and the corresponding customer identification of client for handling target banking is obtained.
3. the method according to claim 1, wherein in the industry for obtaining the client's generation for handling target banking
It is engaged in after content information, further includes:
Obtain the business tine information for the target banking of teller's input；
The business tine information generated using the client for handling target banking is to the teller for the target silver
The business tine information of industry business input is verified, and business tine information checking result is obtained；
According to the business tine information checking as a result, obtaining the business tine information for teller's input that verification passes through.
4. according to the method described in claim 3, it is characterized in that, described according to the customer identification and described
Business tine information generate banking authorization decision request process include:
Business tine information generation banking authorization according to teller's input that the customer identification, verification pass through
Decision request.
5. the method according to claim 1, wherein further include: it obtains on the client for handling target banking
The business voucher information of biography；
It is asked correspondingly, generating banking authorization judgement according to the customer identification and the business tine information
Ask includes: to generate bank according to the customer identification, the business tine information and the business voucher information
Service authorization decision request.
6. the method according to claim 1, wherein further include:
Obtain pre-set risk of banking assessment strategy；
According to the risk of banking assessment strategy, risk assessment is carried out to the banking authorization decision request, is obtained
Risk of banking assessment result.
7. according to the method described in claim 6, it is characterized in that, described according to preset banking authorization decision rule,
The banking authorization decision request is checked and approved, the process for obtaining banking authorization judgement result includes:
According to preset banking authorization decision rule and risk of banking assessment result, to the banking authorization
Decision request is checked and approved, and is obtained banking authorization and is determined result.
8. a kind of banking authorization decision-making system characterized by comprising
Customer identification obtains module, for obtaining the corresponding client identity certification of client for handling target banking
Information；
Business tine data obtaining module, for obtaining the business tine information handling the client of target banking and generating；
Banking authorization decision request generation module, for according to the customer identification and the business tine
Information generates banking authorization decision request；
Banking authorization determines that result obtains module, is used for according to preset banking authorization decision rule, to the silver
Row service authorization decision request is checked and approved, and is obtained banking authorization and is determined result.
9. system according to claim 8, which is characterized in that the customer identification obtains module and includes:
Client identity information acquisition module, for acquiring the identity information for handling the client of target banking；
Legal identity data obtaining module, for obtaining the identity information of the corresponding legitimate user of the target banking；
Identity information authentication module, for the identity information using the corresponding legitimate user of the target banking, to handling
The identity information of the client of target banking authenticates, and obtains the corresponding client identity of client for handling target banking
Authentication information.
10. system according to claim 8, which is characterized in that further include:
First teller's incoming traffic content information obtains module, for obtain teller input for the target banking
Business tine information；
Business tine information checking module, the business tine information that the client for handling target banking described in utilizing generates
The teller is verified for the business tine information of target banking input, obtains business tine information checking
As a result；
Second teller's incoming traffic content information obtains module, is used for according to the business tine information checking as a result, obtaining school
Test by teller input business tine information.
11. system according to claim 10, which is characterized in that the banking authorization decision request generation module packet
It includes:
Bank One Corp. service authorization decision request generates submodule, for passing through according to the customer identification, verification
Teller input business tine information generate banking authorization decision request.
12. system according to claim 8, which is characterized in that further include:
Business voucher data obtaining module, for obtaining the business voucher information handling the client of target banking and uploading；
Correspondingly, the banking authorization decision request generation module includes:
Secondary bank service authorization decision request generates submodule, according to the customer identification, the business tine
Information and the business voucher information generate banking authorization decision request.
13. system according to claim 8, which is characterized in that further include:
Risk of banking assessment strategy obtains module, for obtaining pre-set risk of banking assessment strategy；
Risk evaluation module is used for according to the risk of banking assessment strategy, to the banking authorization decision request
Risk assessment is carried out, risk of banking assessment result is obtained.
14. system according to claim 13, which is characterized in that the banking authorization determines that result obtains module packet
It includes:
Banking authorization determines result acquisition submodule, for according to preset banking authorization decision rule and bank
Business risk assessment result checks and approves the banking authorization decision request, obtains banking authorization and determines result.
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| CN201811525271.3A CN109657964A (en) | 2018-12-13 | 2018-12-13 | A kind of banking authorization determination method and system |
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| CN111524000A (en) * | 2020-04-27 | 2020-08-11 | 中国银行股份有限公司 | Identity authentication method and system |
| CN111951017A (en) * | 2020-08-17 | 2020-11-17 | 中国银行股份有限公司 | Counter transaction authorization method, system, computer equipment and readable storage medium |
| CN112037042A (en) * | 2020-09-02 | 2020-12-04 | 中国银行股份有限公司 | Banking business monitoring method and device |
| CN112116458A (en) * | 2020-09-30 | 2020-12-22 | 中国银行股份有限公司 | Data processing method and device |
| CN112989298A (en) * | 2021-03-09 | 2021-06-18 | 京东数字科技控股股份有限公司 | Authority management method, device, computer equipment and storage medium |
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Application publication date: 20190419 |