CN109949149A - A kind of fund transfer risk monitoring method - Google Patents
A kind of fund transfer risk monitoring method Download PDFInfo
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- CN109949149A CN109949149A CN201910205340.0A CN201910205340A CN109949149A CN 109949149 A CN109949149 A CN 109949149A CN 201910205340 A CN201910205340 A CN 201910205340A CN 109949149 A CN109949149 A CN 109949149A
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- 238000012544 monitoring process Methods 0.000 title claims abstract description 39
- 238000000034 method Methods 0.000 title claims abstract description 28
- 238000012546 transfer Methods 0.000 title claims abstract description 20
- 230000003542 behavioural effect Effects 0.000 claims abstract description 8
- 238000001514 detection method Methods 0.000 claims abstract description 8
- 238000012360 testing method Methods 0.000 claims abstract description 8
- PEDCQBHIVMGVHV-UHFFFAOYSA-N Glycerine Chemical group OCC(O)CO PEDCQBHIVMGVHV-UHFFFAOYSA-N 0.000 claims description 3
- 238000004900 laundering Methods 0.000 abstract description 28
- 238000012216 screening Methods 0.000 abstract description 8
- 238000005406 washing Methods 0.000 abstract description 5
- 238000012795 verification Methods 0.000 abstract description 4
- 230000009286 beneficial effect Effects 0.000 abstract description 3
- 238000010586 diagram Methods 0.000 description 4
- 239000003795 chemical substances by application Substances 0.000 description 3
- 238000012550 audit Methods 0.000 description 2
- 241000251468 Actinopterygii Species 0.000 description 1
- BQCADISMDOOEFD-UHFFFAOYSA-N Silver Chemical compound [Ag] BQCADISMDOOEFD-UHFFFAOYSA-N 0.000 description 1
- 238000010276 construction Methods 0.000 description 1
- 230000002354 daily effect Effects 0.000 description 1
- 238000011161 development Methods 0.000 description 1
- 239000006185 dispersion Substances 0.000 description 1
- 230000003203 everyday effect Effects 0.000 description 1
- PCHJSUWPFVWCPO-UHFFFAOYSA-N gold Chemical compound [Au] PCHJSUWPFVWCPO-UHFFFAOYSA-N 0.000 description 1
- 229910052737 gold Inorganic materials 0.000 description 1
- 239000010931 gold Substances 0.000 description 1
- 238000005259 measurement Methods 0.000 description 1
- 238000002360 preparation method Methods 0.000 description 1
- 229910052709 silver Inorganic materials 0.000 description 1
- 239000004332 silver Substances 0.000 description 1
- 230000007306 turnover Effects 0.000 description 1
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Abstract
The invention discloses a kind of fund transfer risk monitoring methods, belong to anti money washing technical field, comprising: step S1 carries out the monitoring of funds transaction to the bank account, the account monitored out is exported as suspicious account；Step S2 carries out the detection of behavioral characteristic to the suspicious account, and the account output that will test out is dangerous account；Step S3 carries out the detection of account profile to dangerous account, and the account output that will test out is high-risk account.The beneficial effect of above-mentioned technical proposal is: carrying out the range that identification screening greatly reduces manual examination and verification by the behavioral characteristic to crime of laundering, improve the recognition efficiency to money laundering account, simultaneously, the monitoring method passes through the real time monitoring to financial institution's trading account, financial institution is enabled timely to find the finance account for being accused of money laundering, to timely take measures to the finance account, the further expansion of loss is avoided.
Description
Technical field
The present invention relates to anti money washing technical field more particularly to a kind of fund transfer risk monitoring methods.
Background technique
With the rapid development of internet finance, the form of financial crime is also in ever-changing, Web bank and mobile phone silver
Row is quickly popularized and also becomes the powerful that offender shifts illicit money, money laundering while facilitating general masses sieve, these
Behavior not only compromises the safety of financial system and the prestige of financial institution, also greatly destroys the normal economic order in China
And social stability.In the prior art, financial institution is mostly by audit service process and to formulate the modes such as anti money washing rule
The money laundering risks in the machine construction system are controlled, the anti money washing rule issued by Central Bank in conjunction with collection in this banking system and is adjusted
The relevant information looked into, it is artificial to compare audit to determine whether user has the class of money laundering behavior and money laundering by manually trying
Type, when facing the trading information data of magnanimity, the prior art just seems excessively inefficient, and a large amount of money laundering account is made to become leakage
The fish of net cannot effectively carry out screening.
Summary of the invention
According to the above-mentioned problems in the prior art, a kind of fund transfer risk monitoring method, the monitoring side are now provided
Method carries out identification screening by the behavioral characteristic to crime of laundering, filters out symbol from the magnanimity Account Transaction History of financial institution
The account information for closing behavior feature, finally transfers to manually to be audited, thus finally judge whether the account is accused of money laundering,
The range that manual examination and verification are greatly reduced by the screening of big data improves the recognition efficiency to money laundering account, meanwhile, the prison
Prosecutor method enables financial institution timely to find the gold for being accused of money laundering by the real time monitoring to financial institution's trading account
Melt account, to timely take measures to the finance account, avoids the further expansion of loss, effectively hit criminal
Crime maintains the safety of financial system and the prestige of financial institution.
Above-mentioned technical proposal specifically includes:
A kind of fund transfer risk monitoring method, the monitoring applied to bank account, which is characterized in that the method is specific
The following steps are included:
Step S1 carries out the monitoring of funds transaction to the bank account, the account monitored out is exported as suspicious account；
Step S2 carries out the detection of behavioral characteristic to the suspicious account, and the account output that will test out is dangerous account；
Step S3 carries out the detection of account profile to dangerous account, and the account output that will test out is high-risk account.
Preferably, wherein the step S1 is specifically included:
Step S11 is monitored the transaction frequency of the bank account, and is greater than the monitoring the transaction frequency
When one predetermined threshold, step S12 is turned to；
Step S12 is monitored the transaction amount of the bank account, and is greater than the monitoring the transaction amount
When two predetermined thresholds, step S13 is turned to；
Step S13 is monitored the transaction area of the bank account, and monitor transaction area exist across
When area, cross-bank transaction, the bank account is exported as suspicious account.
Preferably, wherein the transaction frequency is Day Trading frequency.
Preferably, wherein the transaction amount is the Day Trading amount of money.
Preferably, wherein the step S2 is specifically included:
Step S21 counts the transaction moment of the suspicious account, and the number of days being distributed at the transaction moment
When less than a predetermined number of days, step S22 is turned to；
Step S22 detects the negotiator of the suspicious account, and in the artificial agent of the transaction, by institute
Stating suspicious account output is the dangerous account.
Preferably, wherein the exchange hour is moon exchange hour.
Preferably, wherein the step S3 is specifically included:
Step S31 detects the account holder of the dangerous account, and is detecting the artificial people from strange land that open an account
When, turn to step S32；
Step S32 detects the mode of opening an account of the dangerous account, and turns to step when the mode of opening an account is opened an account for agency
Rapid S33；
Step S33 detects the dangerous account Internetbank facilities, and is detecting the not set trading limit of the Internetbank
When the dangerous account is exported as high-risk account.
The beneficial effect of above-mentioned technical proposal is: providing a kind of fund transfer risk monitoring method, which passes through
Identification screening is carried out to the behavioral characteristic of crime of laundering, is filtered out from the magnanimity Account Transaction History of financial institution and meets the row
With the characteristics of account information, finally transfer to manually to be audited, to finally judge whether the account is accused of money laundering, by big
The screening of data greatly reduces the range of manual examination and verification, improves the recognition efficiency to money laundering account, meanwhile, the monitoring method
By the real time monitoring to financial institution's trading account, financial institution is enabled timely to find the financial account for being accused of money laundering
Family avoids the further expansion of loss to timely take measures to the finance account, has effectively hit crime, dimension
The safety of financial system and the prestige of financial institution are protected.
Detailed description of the invention
Fig. 1 is a kind of overall procedure schematic diagram of fund transfer risk monitoring method in presently preferred embodiments of the present invention；
Fig. 2 is the flow diagram of the step S1 realized on the basis of Fig. 1 in presently preferred embodiments of the present invention；
Fig. 3 is the flow diagram of the step S2 realized on the basis of Fig. 1 in presently preferred embodiments of the present invention；
Fig. 4 is the flow diagram of the step S3 realized on the basis of Fig. 1 in presently preferred embodiments 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, those of ordinary skill in the art without creative labor it is obtained it is all its
His embodiment, shall fall within the protection scope of the present invention.
It should be noted that in the absence of conflict, the feature in embodiment and embodiment in the present invention can phase
Mutually combination.
The present invention will be further explained below with reference to the attached drawings and specific examples, but not as the limitation of the invention.
A kind of fund transfer risk monitoring method, the monitoring applied to bank account, wherein the method specifically include with
Lower step:
Step S1 carries out the monitoring of funds transaction to the bank account, the account monitored out is exported as suspicious account；
Step S2 carries out the detection of behavioral characteristic to the suspicious account, and the account output that will test out is dangerous account；
Step S3 carries out the detection of account profile to dangerous account, and the account output that will test out is high-risk account.
In the preferred embodiment, the step S1 is specifically included:
Step S11 is monitored the transaction frequency of the bank account, and is greater than the monitoring the transaction frequency
When one predetermined threshold, step S12 is turned to；
Step S12 is monitored the transaction amount of the bank account, and is greater than the monitoring the transaction amount
When two predetermined thresholds, step S13 is turned to；
Step S13 is monitored the transaction area of the bank account, and monitor transaction area exist across
When area, cross-bank transaction, the bank account is exported as suspicious account.
In the preferred embodiment, the transaction frequency is Day Trading frequency.
In the preferred embodiment, the transaction amount is the Day Trading amount of money.
In a specific embodiment, the measurement period of transaction frequency and transaction amount is all in one day, for being accused of washing
In the account of money account, account Day Trading fund is extremely frequent, and the usually Day Trading can reach 20 or more, this kind transaction
Frequency obviously has exceeded average every Day Trading stroke count of normal account, meanwhile, it is accused of the account Day Trading amount of money of money laundering generally
Especially huge, turnover per day can reach up to a million or even up to ten million, and fund is mostly to disperse to be transferred to, and dispersion is produced, fund
Quickly, remaining sum is not stayed or stayed less to the general same day to the speed of disengaging account.
In the preferred embodiment, the step S2 is specifically included:
Step S21 counts the transaction moment of the suspicious account, and the number of days being distributed at the transaction moment
When less than a predetermined number of days, step S22 is turned to；
Step S22 detects the negotiator of the suspicious account, and in the artificial agent of the transaction, by institute
Stating suspicious account output is the dangerous account.
In the preferred embodiment, the exchange hour is moon exchange hour.
In one particular embodiment of the present invention, monthly counting in the presence of the date of transaction to finance account, relates to
Dislike money laundering account there are the characteristics of be monthly focus mostly on trade in 2 to 3 days and for over-the-counter trading in the case where,
The account is mostly that agency business is carried out in such a way that agent issues letter of delegation, seldom will appear my directly operation account
Family, because the account for being accused of money laundering is mostly by the unified disengaging for grasping simultaneously concrete operations fund of one to two people, by further
Whether the regularity of distribution and funds transaction people for identifying the funds transaction moment are me, so as to whether further determine that the account
For the account for being accused of money laundering.
In the preferred embodiment, the step S3 is specifically included:
Step S31 detects the account holder of the dangerous account, and is detecting the artificial people from strange land that open an account
When, turn to step S32；
Step S32 detects the mode of opening an account of the dangerous account, and turns to step when the mode of opening an account is opened an account for agency
Rapid S33；
Step S33 detects the dangerous account Internetbank facilities, and is detecting the not set trading limit of the Internetbank
When the dangerous account is exported as high-risk account.
In a bright specific embodiment of this law, money laundering account account holder is mostly stranger, which can be with
Identified by way of identity card ownership place, and stranger is also mostly that agency opens an account in the local mode of opening an account, I and less than
, it being identified by the feature, the operating right that can determine that the account is grasped substantially rests in a small number of money laundering molecule hands,
Whether trading limit is arranged by the further identification account again, can determine whether the account is accused of money laundering substantially, because normally
Account can mostly need according to oneself and the transaction upper limit that Internetbank is transferred accounts is arranged, stolen to avoid account, and money laundering account is because every
Daily trading volume is big and transaction amount is uncertain, therefore is not provided with the transaction upper limit more.
The beneficial effect of above-mentioned technical proposal is: providing a kind of fund transfer risk monitoring method, which passes through
Identification screening is carried out to the behavioral characteristic of crime of laundering, is filtered out from the magnanimity Account Transaction History of financial institution and meets the row
With the characteristics of account information, finally transfer to manually to be audited, to finally judge whether the account is accused of money laundering, by big
The screening of data greatly reduces the range of manual examination and verification, improves the recognition efficiency to money laundering account, meanwhile, the monitoring method
By the real time monitoring to financial institution's trading account, financial institution is enabled timely to find the financial account for being accused of money laundering
Family avoids the further expansion of loss to timely take measures to the finance account, has effectively hit crime, dimension
The safety of financial system and the prestige of financial institution are protected.
The foregoing is merely preferred embodiments of the present invention, are not intended to limit embodiments of the present invention and protection model
It encloses, to those skilled in the art, should can appreciate that all with made by description of the invention and diagramatic content
Equivalent replacement and obviously change obtained scheme, should all be included within the scope of the present invention.
Claims (7)
1. a kind of fund transfer risk monitoring method, the monitoring applied to bank account, which is characterized in that the method is specifically wrapped
Include following steps:
Step S1 carries out the monitoring of funds transaction to the bank account, the account monitored out is exported as suspicious account；
Step S2 carries out the detection of behavioral characteristic to the suspicious account, and the account output that will test out is dangerous account；
Step S3 carries out the detection of account profile to dangerous account, and the account output that will test out is high-risk account.
2. fund transfer risk monitoring method according to claim 1, which is characterized in that the step S1 is specifically included:
Step S11 is monitored the transaction frequency of the bank account, and pre- greater than first monitoring the transaction frequency
When determining threshold value, step S12 is turned to；
Step S12 is monitored the transaction amount of the bank account, and pre- greater than second monitoring the transaction amount
When determining threshold value, step S13 is turned to；
Step S13 is monitored the transaction area of the bank account, and exists monitoring the transaction area across ground
When area, cross-bank transaction, the bank account is exported as suspicious account.
3. fund transfer risk monitoring method according to claim 2, which is characterized in that the transaction frequency is Day Trading
Frequency.
4. fund transfer risk monitoring method according to claim 2, which is characterized in that the transaction amount is Day Trading
The amount of money.
5. fund transfer risk monitoring method according to claim 1, which is characterized in that the step S2 is specifically included:
Step S21 counts the transaction moment of the suspicious account, and is less than in the number of days that the transaction moment is distributed
When one predetermined number of days, step S22 is turned to；
Step S22 detects the negotiator of the suspicious account, and in the artificial agent of the transaction, can by described in
Doubting account output is the dangerous account.
6. fund transfer risk monitoring method according to claim 5, which is characterized in that the exchange hour is moon transaction
Time.
7. fund transfer risk monitoring method according to claim 1, which is characterized in that the step S3 is specifically included:
Step S31 detects the account holder of the dangerous account, and detect it is described open an account artificial people from strange land when, turn
To step S32；
Step S32 detects the mode of opening an account of the dangerous account, and turns to step when the mode of opening an account is opened an account for agency
S33；
Step S33, detects the dangerous account Internetbank facilities, and will when detecting the not set trading limit of the Internetbank
The danger account output is high-risk account.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910205340.0A CN109949149A (en) | 2019-03-18 | 2019-03-18 | A kind of fund transfer risk monitoring method |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201910205340.0A CN109949149A (en) | 2019-03-18 | 2019-03-18 | A kind of fund transfer risk monitoring method |
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| CN201910205340.0A Pending CN109949149A (en) | 2019-03-18 | 2019-03-18 | A kind of fund transfer risk monitoring method |
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Cited By (3)
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| CN112884478A (en) * | 2021-01-26 | 2021-06-01 | 支付宝(杭州)信息技术有限公司 | Data processing method, device and equipment |
| CN113362152A (en) * | 2020-03-06 | 2021-09-07 | 中国邮政储蓄银行股份有限公司 | Risk identification method and device |
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Application publication date: 20190628 |
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