CN110009358A - Resource allots risk prevention system method, apparatus and server - Google Patents
Resource allots risk prevention system method, apparatus and server Download PDFInfo
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- CN110009358A CN110009358A CN201811591750.5A CN201811591750A CN110009358A CN 110009358 A CN110009358 A CN 110009358A CN 201811591750 A CN201811591750 A CN 201811591750A CN 110009358 A CN110009358 A CN 110009358A
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
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- 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
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Abstract
This specification embodiment provides a kind of resource and allots risk prevention system method, preset the corresponding tactful group of different business attribute, it include corresponding resource checksum rule in tactful group, when receiving resource and alloting request, the determining service attribute alloted the corresponding resource of request with resource and allot business.In turn, it can determine target strategy group corresponding with service attribute, based on at least one resource checksum rule that the target strategy group includes, the resource business of alloting is verified, if verified successfully, resource to be alloted is alloted to the resource and allots the corresponding target object of request.By construct one layer of resource allot business to rule and policy group routing mechanism, dynamic routing ability of the realization business scenario to policing rule, eventually by dynamic routing to tactful group in resource checksum rule treat allot resource carry out resource risk prevention system, achieve the purpose that resource allots risk prevention system, promotes the safety and reliability that resource allots processing.
Description
Technical field
This specification embodiment is related to Internet technical field more particularly to a kind of resource allots risk prevention system method, dress
It sets and server.
Background technique
With the fast development of internet, more and more business can be by network implementations, such as on-line payment, online purchase
Transfer accounts on object, line, virtual resource transaction etc. Internet services.Therefore, a large amount of internet financial institution is produced.Due to network
Environment becomes increasingly complex, and financial institution is faced with various uncontrollable in resource (such as: fund, virtual resource) treatment process
Factor all may cause resources loss.Therefore, it needs effectively carry out risk prevention system method when resource is alloted, to ensure
The safety of financial institution's resource.
Summary of the invention
This specification embodiment provides and a kind of resource allots risk prevention system method, apparatus and server.
In a first aspect, this specification embodiment, which provides a kind of resource, allots risk prevention system method, comprising:
When receiving resource and alloting request, the determining corresponding resource of request of alloting with the resource allots business,
Wherein, the object of alloting that the resource allots request is target object；
The determining service attribute that business is alloted with the resource；
Determine that target strategy group corresponding with the service attribute, the target strategy group include at least one resource checksum
Rule；
Based on at least one resource checksum rule, the resource business of alloting is verified；
If verified successfully, the corresponding resource to be alloted of request will be alloted with the resource and will be alloted to the target object.
Second aspect, this specification embodiment provide a kind of resource and allot risk prevention system device, comprising:
First determination unit, it is determining to allot request pair with the resource for when receiving resource and alloting request
The resource answered allots business, wherein the object of alloting that the resource allots request is target object；
Second determination unit, for the determining service attribute for alloting business with the resource；
Third determination unit, for determining target strategy group corresponding with the service attribute, the target strategy group packet
Include at least one resource checksum rule；
Verification unit, for being verified to the resource business of alloting based on at least one resource checksum rule；
Unit is alloted, if verified successfully for the verification unit, it is corresponding wait adjust request will to be alloted with the resource
Resource is dialled to allot to the target object.
The third aspect, this specification embodiment provide a kind of server, including memory, processor and are stored in memory
Computer program that is upper and can running on a processor, the processor is realized when executing described program to be provided described in any of the above-described
Allot the step of risk prevention system method in source.
Fourth aspect, this specification embodiment provide a kind of computer readable storage medium, are stored thereon with computer journey
Sequence realizes the step of resource described in any of the above-described allots risk prevention system method when the program is executed by processor.
This specification embodiment has the beneficial effect that:
In this specification embodiment, the network environment being related to is alloted due to resource and is become increasingly complex, the business scenario being related to
It is more and more.The corresponding service attribute of different business scenarios is different, and business scenario can be distinguished according to service attribute, so,
The corresponding tactful group of different business attribute is pre-set, includes corresponding resource checksum rule in tactful group, in this way,
When receiving resource and alloting request, the determining service attribute alloted the corresponding resource of request with resource and allot business.Into
And can determine target strategy group corresponding with service attribute, at least one resource checksum for including based on the target strategy group
Rule verifies the resource business of alloting, if verified successfully, resource to be alloted is alloted to the resource and allots request pair
The target object answered.Business is alloted to the routing mechanism of rule and policy group by constructing one layer of resource, realizes business scenario to plan
Slightly regular dynamic routing ability, eventually by dynamic routing to tactful group in resource checksum rule treat allot resource into
Row resource risk prevention system achievees the purpose that resource allots risk prevention system, promotes the safety and reliability that resource allots processing.
Detailed description of the invention
Fig. 1 is that this specification embodiment resource allots risk prevention system application scenarios schematic diagram；
Fig. 2 is that this specification embodiment first aspect resource allots risk prevention system method flow diagram；
Fig. 3 is that this specification embodiment second aspect resource allots risk prevention system apparatus structure schematic diagram；
Fig. 4 is that this specification embodiment third aspect resource allots risk prevention system server architecture schematic diagram.
Specific embodiment
In order to better understand the above technical scheme, below by attached drawing and specific embodiment to this specification embodiment
Technical solution be described in detail, it should be understood that the specific features in this specification embodiment and embodiment are to this explanation
The detailed description of book embodiment technical solution, rather than the restriction to this specification technical solution, in the absence of conflict,
Technical characteristic in this specification embodiment and embodiment can be combined with each other.
Referring to Figure 1, risk prevention system application scenarios schematic diagram is alloted for the resource of this specification embodiment.100, terminal
In user side, communicated with the server 200 of network side.User can generate resource by APP in terminal 100 or website and allot industry
Business.Server 200 collects the resource that each terminal generates and allots business, and implements resource in the present embodiment accordingly to allot risk anti-
Prosecutor method.The resource that the present embodiment can be applied between financial institution allots scene, it can also be used to for the resource tune of single user
Drag on row risk prevention system scene.
In a first aspect, this specification embodiment, which provides a kind of resource, allots risk prevention system method, referring to FIG. 2, including step
Rapid S201-S205.
S201: when receiving resource and alloting request, the determining corresponding resource of request of alloting with the resource is alloted
The service attribute of business, wherein the object of alloting that the resource allots request is target object；
S202: determine that target strategy group corresponding with the service attribute, the target strategy group include at least one money
Source verification rule；
S203: based on at least one resource checksum rule, the resource business of alloting is verified；
S204: if verified successfully, the corresponding resource to be alloted of request will be alloted with the resource and will be alloted to the target
Object.
Wherein, it before step S201, further comprises the steps of: and corresponding service attribute is organized based on each strategy, from resource school
It tests in regular pond and determines resource checksum rule corresponding with the strategy group, wherein include timeliness in resource checksum rule pond
Class verification rule, account class verification rule, amount class verification rule, anti-tamper rule-like, any one in orientation rule-like or
Multiple combinations.
Specifically, internet and financial industry, need to dispose daily vast resources, resource security problem is especially important, especially
It, once problem occurs, can directly contribute monetary losses when financial industry is related to fund allocation and transfer, and industry is conventional at present
Way be solidify several common risk point check logics, such as amount control, every time carry out fund allocation and transfer when, judge to adjust
It dials whether the amount of money is more than amount value, if it exceeds amount value, then interrupt operation and alarms, cured check logic is relatively simple,
Can not cope with the network environment to become increasingly complex, fund operational risk cannot effective prevention and control, availability risk check logic can not be by
It is distinguished according to business scenario.Method in the present embodiment proposes that more tight general resource allots risk prevention system mode, to protect
Hinder the resource security of financial institution.
It include multiple dimensions in resource checksum rule pond specifically, in the present embodiment, configuring resource checksum rule pond first
The resource checksum rule of degree, i.e., different types of resource checksum rule.Specifically, timeliness class verification rule can be set as needed
Then, account class verification rule, amount class verification rule, anti-tamper rule-like, orientation rule-like.It is to money that timeliness class, which verifies rule,
The rule that the relevant temporal information of business is verified is alloted in source, and it is that the corresponding account of business is alloted to resource that account class, which verifies rule,
The rule that family information is verified, it is to allot the corresponding size for alloting resource of business to resource to carry out school that amount class, which verifies rule,
The rule tested, anti-tamper rule-like are to allot the corresponding sensitive information of business (such as: account information/allot resource value) for resource
Distort the rule of verification, orientation rule-like is the rule alloting object and being verified that business is alloted to resource.Every type
Type may include multiple atom verification rules, such as: account class verification rule includes account credit verification rule, the verification of arbitrage account
Rule etc., timeliness class verification rule include period verification rule, effective time verification rule etc..In the specific implementation process, it advises
Then the resource checksum rule type of the configuration in pond can be set according to actual needs, here, the application is with no restrictions, rule
Rule in pond can be added as needed, can effectively promote the scalability that resource allots risk prevention system rule.
Further, in the present embodiment, for each resource checksum rule, corresponding rules properties, including rule be can configure
Then any one or more combination in title, usage scenario, rule type, version number, regular expression and timeliness attribute.?
In specific implementation process, the definition of resource checksum rule and attribute can be set according to actual needs, here, the application is not done
Limitation.
Wherein, in above-mentioned rules properties, usage scenario uses under defined scene for marking the rule, such as: believing
Scene etc. is paid with card scene or user.Rule type shows the purposes of the rule, such as: timeliness school is verified or be used for for amount
Purposes, the version number such as testing is the version for indicating the rule, and timeliness attribute indicates the time range of the taking effect rules.Such as: configuration
The version numbers of the regular first amounts verification rule of two amounts be V1, it is specified that effective time range be T1, it is assumed that be 0 point to 12
The version number of point, the second amount verification rule be V2, it is specified that effective time range be T2, it is assumed that be 12 points to 24 points.If
Tactful group is configured with the first amount verification rule and the second amount verification rule, if alloting business to resource using the strategy group
It is verified, then the second amount school is used during 12 points to 24 points using the first amount verification rule during 0 point to 12 points
Test rule.Regular expression is a formula of setting, for calculating specific threshold value, such as: in amount verification rule, rule
Expression formula can be set as the calculation formula according to user credit rating calculation resource amount, in the specific implementation process, rule
Expression formula can be set according to actual needs, here, the application is with no restrictions.
Further, in the present embodiment, the definition of strategy group is the service attribute construction strategy group that business is alloted according to resource,
Strategy group includes strategy group attribute, including corresponding business attribute information, such as: system can allot business progress to every kind of resource
Coding sets corresponding service identification, and strategy group can also set corresponding service identification, and identifying the strategy group is for correspondence
Resource allot business configuration, service attribute includes the service identification.In this way, alloting the service identification of business in acquisition resource
Afterwards, can Rapid matching go out corresponding tactful group.Such mode needs the resource to every kind of scene to allot business configuration industry
Business mark, it is also necessary to each strategy group configuration service mark, consume a large amount of human resources.So being also based on resource tune
Dial the service attribute configuration strategy group of business itself.Such as: it is transferred account service that resource, which allots business, and attribute information includes: to transfer accounts
The attribute informations such as the amount of money, time of transferring accounts, strategy corresponding with transferred account service, which organizes included service attribute, to be also transfer amounts, turns
These three attribute informations of account time, the strategy group mainly verify these three attribute informations.The included money of strategy group
Source verifies rule can the option and installment from aforementioned rule pond according to actual needs.In the specific implementation process, a kind of business field
Scape can correspond to multiple resources and allot business, this multiple resource business of alloting has common attribute, it may be assumed that multiple resources allot industry
Corresponding one tactful group of business, carries out resource using the resource checksum rule in the same tactful group and allots verification.
In turn, it after configuring good strategy group, is received in the case of resource allots request by step S201, which allots
Request, which can be, allots business for single resource, can also allot business for multiple resources.Below from both of these case pair
Method in the present embodiment is described in detail.
The first situation: it is that the request of business is alloted for single resource that resource, which allots request,.
Target user initiates resource in terminal device and allots business, sends resource to server and allots request, server exists
It receives after the resource allots request, can be obtained by step S201 and allot the corresponding service attribute of business with the resource.No
Same resource allots the corresponding service attribute difference of business, such as: it is transferred account service that resource, which allots business, and attribute information includes:
The attribute informations such as transfer amounts, time of transferring accounts.Of course, it is also possible to include the service identification X1 of transferred account service.For another example: resource is alloted
Business is that credit card is withdrawn deposit business, and attribute information includes: the attribute informations such as account information, Withdrawal Amount.Of course, it is also possible to include
The service identification X2 for business of withdrawing deposit.
In turn, after obtaining resource and alloting the attribute information of business, by previous embodiment content it is found that different attribute information
Corresponding strategy group is different.In turn, it can be matched and the resource by step S202 by the service attribute that resource allots business
Allot the corresponding tactful group of business.
Specifically, by foregoing teachings it is found that if service attribute includes the service identification that resource allots business, so that it may root
Matching target strategy group is quickly determined according to the service identification.
Further, if service attribute does not include the service identification that resource allots business, so that it may specific service attribute
It is matched.Tactful group can classify by the entry number of service attribute.Such as: tactful group comprising 3 service attributes is deposited
It is placed in the first catalogue, tactful group comprising 4 service attributes is stored in the first catalogue.
In turn, step S202 can pass through step: determine that resource allots the entry number of the service attribute of business, from entry
Target strategy group is determined in the corresponding tactful group of number.
Specifically, in the present embodiment, if it is that credit card is withdrawn deposit business that resource, which allots business, attribute information includes: account
This two attribute informations of family information, Withdrawal Amount.Determined from tactful group comprising two attribute informations include account information,
This corresponding target strategy group of two attribute informations of Withdrawal Amount.
In turn, after determining target strategy group corresponding with fund allocation and transfer business, by foregoing teachings it is found that tactful group
The resource checksum rule of middle configuration, can be configured according to different business scenarios.It include for the resource in tactful group
Multiple resources that the business of alloting is verified allot rule.It can be verified by step S203 using the fund in target strategy group
Rule allots business progress resource to the resource and allots verification.It continues to use aforementioned credit card to withdraw deposit business, corresponding target plan
It include that resource checksum rule A1 and resource checksum rule A2, resource checksum rule A1 are used for the credit card to initiation and withdraw deposit slightly in group
The account information of the user of business verifies, and can be and carries out arbitrage user's verification to it, judges whether the user is risk
User, resource checksum rule A2 judge whether the Withdrawal Amount of the user is more than defined for verifying to Withdrawal Amount
Amount.
In turn, if alloting service test success for resource, by step S204, it is corresponding that request will be alloted with resource
Resource to be alloted allot to target object.Continue to continue to use aforementioned credit card to withdraw deposit business, if credit card is withdrawn deposit, business is corresponding
Attribute information meet resource checksum rule A1 and resource checksum rule A2 in the case of, confirmation to the credit card withdraw deposit business verification
Success, the credit card are withdrawn deposit the corresponding request of withdrawing deposit of business, which is used to request to withdraw deposit the fund to Withdrawal Amount
To the target user, the request is responded, the fund to Withdrawal Amount is sent to target user.
In another example, target user initiates transferred account service in terminal device, sends transfer request, service to server
Device can obtain service attribute corresponding with the transferred account service by step S201 after receiving the transfer request.It include: to turn
The attribute informations such as the account amount of money, time of transferring accounts.Of course, it is also possible to include the service identification X1 of transferred account service.In turn, specifically, such as
Fruit service attribute includes the service identification X1 of transferred account service, so that it may by step S202, quickly be determined according to the service identification
Matching target strategy group out.If service attribute does not include the service identification that resource allots business, so that it may specific
Service attribute is matched.Determined from tactful group comprising two attribute informations include transfer amounts, transfer accounts the time this two
The corresponding target strategy group of attribute information.
It in turn, include resource checksum rule A3 and resource checksum in determining target strategy group corresponding with transferred account service
Regular A4, resource checksum rule A3 be used for initiate the transferred account service time of transferring accounts verify, judgement transfer accounts the time whether
Before the deadline, resource checksum rule A4 is for verifying transfer amounts, judge the user transfer amounts whether be more than
Defined amount.It is by step S204, transfer request is corresponding to transfer amounts if examined successfully for transferred account service
Fund be sent to the corresponding user of the transfer request.
Further, in the present embodiment, business is alloted for Client-initiated resource, if any money in tactful group
Source verification is unverified, shows verification failure, and server will not respond the resource and allot request, can issue prompt information,
The reason of for prompting the initiation resource to allot the object of service request, verifying failure, including unverified specific money
Source verification rule, the reason of being alloted unsuccessfully so as to user's timely learning resource.
Second situation: carrying out in the scene that resource is alloted between financial institution, and resource allots request as multiple moneys
Allot the request of business in source.Resource allots the multiple resources of request correspondence and allots business, described to allot business correspondence for multiple resources
Summarizing resource.
Specifically, in the present embodiment, the resource between financial institution is alloted in scene, financial institution (such as certain payment
Platform) attribute is identical, it allots the identical resource business of alloting of object and summarizes together, carry out resource in defined time unification
Allot processing.At this point, sending resource allots request to server, server is received the resource and alloted and asked by step S201
After asking, determine that corresponding resource allots business.Such as: it is unified that financial institution A and financial institution B is about scheduled on daily 10:00
Resource between processing financial institution allots business.Financial institution A is identical to the attribute during same day 10:00 by proxima luce (prox. luc) 10:00
The resource for transferring financial institution B to allot business (such as: transferred account service) and summarize to together, it is assumed that including 1000 transferred account services,
It is the transferred account service between financial institution A and financial institution B for this 1000 transferred account services.System can be sent out in same day 10:00
It plays resource and allots request, which allots request as the corresponding requests for transferred account service, and it is to be somebody's turn to do that corresponding resource, which allots business,
1000 transferred account services.
By foregoing teachings it is found that the resource of different attribute allots the corresponding strategy group difference of business, in turn, can determine
Resource allots the service attribute of business, continues to use the transferred account service between aforementioned financial institution A and financial institution B, summarizes 1000
Transferred account service, this 1000 transferred account service attribute informations having the same, comprising: transfer amounts, financial institution A and financial institution
Between B transfer request initiate the time, transfer accounts user.It can also include the service identification X3 of inter-agency transferred account service in attribute information.
In this way, for the transferred account service between financial institution A and financial institution B, it, can in attribute information including service identification X3
To go out target strategy group by service identification X3 Rapid matching by step S202.It only include: gold of transferring accounts in attribute information
Transfer request initiates time T1, transfers accounts under user situation between volume, financial institution A and financial institution B, by step S202, passes through
This three attribute informations determine target strategy group.
In turn, after determining the corresponding target strategy group of the transferred account service between financial institution A and financial institution B, lead to
Foregoing teachings are crossed it is found that the resource checksum rule configured in tactful group, can be configured according to different business scenarios.Strategy
It include that multiple resources for being verified to the resource business of alloting between financial institution A and financial institution B allot rule in group
Then.Business progress resource can be alloted to the resource using the fund verification rule in target strategy group and alloted by step S203
Verification.Assuming that including resource checksum rule C1, resource checksum rule C2, resource checksum rule C3 in target strategy group.
Wherein, the transfer amounts that resource checksum rule C1 is used to summarize 1000 transferred account services verify, and judge to converge
Whether within the scope of the first preset cost, the first preset cost range can be is gone through total amount between financial institution A and financial institution B
History record of transferring accounts obtains, such as: the total amount that financial institution A and financial institution B transfer accounts daily can be sentenced in general context D1
Breaking, this summarizes the amount of money whether in D1, if in the range, passing through verification.Alternatively, financial institution A can set particular time
Default total value of transferring accounts, particular time can be the period of accomodation of activities (such as: Discount Promotion), in the specific implementation process, should
Default total value of transferring accounts can be set according to realizing, here, the application is with no restrictions.
Wherein, resource checksum rule C2 is used to initiate time T1 to transfer request between financial institution A and financial institution B to carry out
Verification, it is assumed that defined is to carry out summarizing place to the transferred account service between financial institution A and financial institution B in daily time range T
Reason, judges T1 whether in time range T, if it is, passing through verification.
Wherein, the user that transfers accounts that resource checksum rule C3 is used to summarize 1000 transferred account services verifies, and judges to converge
Whether there is the common user that transfers accounts of predetermined number in total user that transfers accounts, it is common transfer accounts user can by financial institution A with
History record of transferring accounts obtains between financial institution B, such as: the fixation user that financial institution A and financial institution B transfer accounts daily wraps
Include user's collection 1, it can be determined that whether what this summarized transfer accounts user's collection is greater than present count with user's number in the intersection of user's collection 1
Value, if so, showing to pass through, the verification of resource checksum rule C3.In the specific implementation process, which can be according to reality
It is set, here, the application is with no restrictions.
In turn, if alloting service test success for the resource between financial institution A and financial institution B, pass through step
S204 will be alloted with resource and corresponding resource to be alloted is requested to be alloted to target object, and being somebody's turn to do resource to be alloted is multiple resource tune
Dial the summarizing resource of service request.The transferred account service between financial institution A and financial institution B is continued to use, if passing through verification, it is determined that
The transfer amounts of aforementioned 1000 transferred account services summarized summarize the amount of money by this and allocate and transfer funds to financial institution B.
In another example, financial institution C is summarised in the reimbursement business in cycle T, and the object of refund is financial institution D,
Financial institution C and financial institution D is about scheduled on the reimbursement business that daily 15:00 is uniformly processed between financial institution.Financial institution C will before
15:00 on the one summarizes to together to the identical reimbursement business for transferring financial institution D to of the attribute during same day 15:00, it is assumed that packet
2000 reimbursement business are included, are the reimbursement business between financial institution C and financial institution D for this 2000 reimbursement business.System
System can initiate resource in same day 15:00 and allot request, and it is the corresponding requests for reimbursement business which, which allots request, corresponding
It is 2000 reimbursement business that resource, which allots business,.This 2000 reimbursement business attribute informations having the same, comprising: gold of refunding
The time is initiated in request of refunding between volume, financial institution C and financial institution D.It can also include inter-agency reimbursement business in attribute information
Service identification X4.In this way, including business mark in attribute information for the reimbursement business between financial institution C and financial institution D
In the case of knowing X4, target strategy group can be gone out by service identification X4 Rapid matching by step S202.In attribute information only
It include: by step S202, to lead in the case of transfer request initiates time T2 between transfer amounts, financial institution A and financial institution B
It crosses this three attribute informations and determines target strategy group.
In turn, after determining the corresponding target strategy group of the transferred account service between financial institution A and financial institution B, lead to
Foregoing teachings are crossed it is found that the resource checksum rule configured in tactful group, can be configured according to different business scenarios.Strategy
It include that multiple resources for being verified to the reimbursement business between financial institution C and financial institution D allot rule in group.It can
By step S203, business progress resource is alloted to the resource using the fund verification rule in target strategy group and allots verification.
Assuming that including resource checksum rule F1, resource checksum rule F2 in target strategy group.
Wherein, the repayment amount that resource checksum rule F1 is used to summarize 2000 reimbursement business verifies, and judges to converge
Whether within the scope of the second preset cost, the second preset cost range can be financial institution C and financial institution D to total repayment amount
Between history record of refunding obtain, such as: the total amount of financial institution C and the daily reimbursement business of financial institution D is in general context D2
It is interior, it can be determined that this summarizes repayment amount whether in D2, if in the range, passing through verification.Alternatively, financial institution C
The default refund total value of particular time can be set, particular time can be repayment date as defined in financial institution D, be embodied
Cheng Zhong, which can be set according to realizing, here, the application is with no restrictions.
Wherein, resource checksum rule F2 is used to initiate time T2 to request of refunding between financial institution C and financial institution D to carry out
Verification, it is assumed that defined is to carry out summarizing place to the reimbursement business between financial institution C and financial institution D in daily time range E
Reason, judges T2 whether in time range E, if it is, passing through verification.
In turn, if examined successfully for the reimbursement business between financial institution C and financial institution D, it is determined that aforementioned 2000
The repayment amount of reimbursement business summarized, summarizes repayment amount by this and allocates and transfers funds to financial institution D.
Further, in the present embodiment, business is alloted for the resource between financial institution, due to being for the resource summarized
Business is alloted, the resource number being related to is larger, if any resource checksum is unverified in tactful group, shows that verification is lost
It loses, server will not respond the resource and allot request, prompt information can be issued in time, for prompting the initiation resource to allot industry
The reason of object of business request, verification failure, including unverified specific resource checksum rule, so as to the phase of server
The reason of pass personnel's timely learning resource is alloted unsuccessfully goes reparation resource to allot system based on the reason.
In the present embodiment, firstly, proposing strategy group concept, conventional curing, single resource is overcome to allot verification mode,
A set of risk rule pond is constructed, the scalability that resource allots risk prevention system rule is promoted.Secondly a layer service is constructed to regular plan
The routing mechanism slightly organized realizes that business scenario to the dynamic routing ability of policing rule, finally realizes a set of financial risks prevention and control
Process achievees the purpose that fund allocation and transfer risk prevention system, promotes the safety and reliability that resource allots processing.
Second aspect, based on the same inventive concept, this specification embodiment provide a kind of resource and allot risk prevention system device,
Referring to FIG. 3, including:
First determination unit 301, it is determining to allot request with the resource for when receiving resource and alloting request
Corresponding resource allots the service attribute of business, wherein the object of alloting that the resource allots request is target object；
Second determination unit 302, for determining target strategy group corresponding with the service attribute, the target strategy group
Including at least one resource checksum rule；
Verification unit 303, for carrying out school to the resource business of alloting based on at least one resource checksum rule
It tests；
Allot unit 304, if verified successfully for the verification unit, will be alloted with the resource request it is corresponding to
Resource is alloted to allot to the target object.
In a kind of optional implementation, second determination unit 302 is specifically used for:
If the service attribute includes the service identification that the resource allots business, determination is matched with the service identification
Target strategy group.
In a kind of optional implementation, second determination unit 302 is specifically used for:
Determine the entry number of the service attribute；
From and the corresponding tactful group of the entry number in determine target strategy group corresponding with the service attribute.
In a kind of optional implementation, the resource allots the corresponding multiple resources of request and allots business, the multiple money
The service attribute that business is alloted in source is identical, and it is that the multiple resource allots industry that the resource, which allots the corresponding resource to be alloted of request,
It is engaged in corresponding summarizing resource.
In a kind of optional implementation, the verification unit 304 is specifically used for:
If at least one resource checksum rule includes resource amount verification rule, verified based on the resource amount
Rule verifies the summarizing resource.
In a kind of optional implementation, described device includes configuration unit, and the configuration unit is specifically used for:
It allots before the corresponding resource of request allots business in the determination and the resource, is corresponded to based on each strategy group
Service attribute, it is regular that corresponding with strategy group resource checksum is configured from resource checksum rule pond, wherein the resource school
Test in regular pond includes timeliness class verification rule, account class verification rule, amount class verification rule, anti-tamper rule-like, orientation
Any one or more in rule-like combines.
The third aspect, based on alloting the same inventive concept of risk prevention system method, the present invention with resource in previous embodiment
A kind of server is also provided, as shown in figure 4, including memory 404, processor 402 and being stored on memory 404 and can locate
The computer program run on reason device 402 realizes that resource allots appointing for risk prevention system method above when processor 402 executes program
The step of one method.
Wherein, in Fig. 4, bus architecture (is represented) with bus 400, and bus 400 may include any number of interconnection
Bus and bridge, bus 400 will include the one or more processors represented by processor 402 and what memory 404 represented deposits
The various circuits of reservoir link together.Bus 400 can also will peripheral equipment, voltage-stablizer and management circuit etc. it
Various other circuits of class link together, and these are all it is known in the art, therefore, no longer carry out further to it herein
Description.Bus interface 406 provides interface between bus 400 and receiver 401 and transmitter 403.Receiver 401 and transmitter
403 can be the same element, i.e. transceiver, provide the unit for communicating over a transmission medium with various other devices.Place
It manages device 402 and is responsible for management bus 400 and common processing, and memory 404 can be used for storage processor 402 and execute behaviour
Used data when making.
Fourth aspect, based on the inventive concept for alloting risk prevention system with resource in previous embodiment, the present invention also provides one
Kind computer readable storage medium, is stored thereon with computer program, and resource tune above is realized when which is executed by processor
The step of either the method for dialling risk prevention system method.
This specification is referring to the method, equipment (system) and computer program product according to this specification embodiment
Flowchart and/or the block diagram describes.It should be understood that can be realized by computer program instructions every in flowchart and/or the block diagram
The combination of process and/or box in one process and/or box and flowchart and/or the block diagram.It can provide these computers
Processor of the program instruction to general purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices
To generate a machine, so that generating use by the instruction that computer or the processor of other programmable data processing devices execute
In setting for the function that realization is specified in one or more flows of the flowchart and/or one or more blocks of the block diagram
It is standby.
These computer program instructions, which may also be stored in, is able to guide computer or other programmable data processing devices with spy
Determine in the computer-readable memory that mode works, so that it includes referring to that instruction stored in the computer readable memory, which generates,
Enable the manufacture of equipment, the commander equipment realize in one box of one or more flows of the flowchart and/or block diagram or
The function of being specified in multiple boxes.
These computer program instructions also can be loaded onto a computer or other programmable data processing device, so that counting
Series of operation steps are executed on calculation machine or other programmable devices to generate computer implemented processing, thus in computer or
The instruction executed on other programmable devices is provided for realizing in one or more flows of the flowchart and/or block diagram one
The step of function of being specified in a box or multiple boxes.
Although the preferred embodiment of this specification has been described, once a person skilled in the art knows basic wounds
The property made concept, then additional changes and modifications may be made to these embodiments.So the following claims are intended to be interpreted as includes
Preferred embodiment and all change and modification for falling into this specification range.
Obviously, those skilled in the art can carry out various modification and variations without departing from this specification to this specification
Spirit and scope.In this way, if these modifications and variations of this specification belong to this specification claim and its equivalent skill
Within the scope of art, then this specification is also intended to include these modifications and variations.
Claims (14)
1. a kind of resource allots risk prevention system method, comprising:
When receiving resource and alloting request, the determining business alloted the corresponding resource of request with the resource and allot business
Attribute, wherein the object of alloting that the resource allots request is target object；
Determine that target strategy group corresponding with the service attribute, the target strategy group are advised including at least one resource checksum
Then；
Based on at least one resource checksum rule, the resource business of alloting is verified；
If verified successfully, the corresponding resource to be alloted of request will be alloted with the resource and will be alloted to the target object.
2. according to the method described in claim 1, determination target strategy group corresponding with the service attribute, comprising:
If the service attribute includes the service identification that the resource allots business, the determining and matched mesh of the service identification
Mark tactful group.
3. according to the method described in claim 1, determination target strategy group corresponding with the service attribute, comprising:
Determine the entry number of the service attribute；
From and the corresponding tactful group of the entry number in determine target strategy group corresponding with the service attribute.
4. according to the method described in claim 1, the resource, which allots the corresponding multiple resources of request, allots business, the multiple money
The service attribute that business is alloted in source is identical, and it is that the multiple resource allots industry that the resource, which allots the corresponding resource to be alloted of request,
It is engaged in corresponding summarizing resource.
5. being alloted according to the method described in claim 4, described be based on at least one resource checksum rule to the resource
Business is verified, comprising:
If at least one resource checksum rule includes resource amount verification rule, based on resource amount verification rule
Then, the summarizing resource is verified.
6. according to the method described in claim 1, alloting the corresponding resource of request in the determination and the resource allots business
Before, which comprises
Corresponding service attribute is organized based on each strategy, resource school corresponding with the strategy group is determined from resource checksum rule pond
Test rule, wherein include timeliness class verification rule, account class verification rule, the verification of amount class in resource checksum rule pond
Any one or more combination in regular, anti-tamper rule-like, orientation rule-like.
7. a kind of resource allots risk prevention system device, comprising:
First determination unit, for when receiving resource and alloting request, determining that allot request with the resource corresponding
Resource allots the service attribute of business, wherein the object of alloting that the resource allots request is target object；
Second determination unit, for determining that target strategy group corresponding with the service attribute, the target strategy group include extremely
A few resource checksum rule；
Verification unit, for being verified to the resource business of alloting based on at least one resource checksum rule；
Unit is alloted, if verified successfully for the verification unit, it is corresponding wait allot money that request will be alloted with the resource
It allots to the target object in source.
8. device according to claim 7, second determination unit is specifically used for:
If the service attribute includes the service identification that the resource allots business, the determining and matched mesh of the service identification
Mark tactful group.
9. device according to claim 7, second determination unit is specifically used for:
Determine the entry number of the service attribute；
From and the corresponding tactful group of the entry number in determine target strategy group corresponding with the service attribute.
10. device according to claim 7, the resource allots the corresponding multiple resources of request and allots business, the multiple
The service attribute that resource allots business is identical, and it is that the multiple resource is alloted that the resource, which allots the corresponding resource to be alloted of request,
The corresponding summarizing resource of business.
11. device according to claim 10, the verification unit is specifically used for:
If at least one resource checksum rule includes resource amount verification rule, based on resource amount verification rule
Then, the summarizing resource is verified.
12. device according to claim 7, described device includes configuration unit, and the configuration unit is specifically used for:
It is alloted before the corresponding resource of request allots business in the determination and the resource, corresponding industry is organized based on each strategy
Business attribute configures resource checksum rule corresponding with the strategy group from resource checksum rule pond, wherein the resource checksum rule
It then include timeliness class verification rule, account class verification rule, amount class verification rule, anti-tamper rule-like, orientation class rule in pond
Any one or more in then combines.
13. a kind of server including memory, processor and stores the computer that can be run on a memory and on a processor
The step of program, the processor realizes any one of claim 1-6 the method when executing described program.
14. a kind of computer readable storage medium, is stored thereon with computer program, power is realized when which is executed by processor
Benefit requires the step of any one of 1-6 the method.
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| CN201811591750.5A CN110009358A (en) | 2018-12-25 | 2018-12-25 | Resource allots risk prevention system method, apparatus and server |
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| CN201811591750.5A CN110009358A (en) | 2018-12-25 | 2018-12-25 | Resource allots risk prevention system method, apparatus and server |
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| CN112116339A (en) * | 2020-09-28 | 2020-12-22 | 中国建设银行股份有限公司 | Capital full link control verification method and device |
| CN112396315A (en) * | 2020-11-17 | 2021-02-23 | 平安普惠企业管理有限公司 | Method, device, equipment and storage medium for distributing business money strategy |
| CN112465400A (en) * | 2020-12-16 | 2021-03-09 | 深圳乐信软件技术有限公司 | Resource adjusting method, device, server and storage medium |
| CN114004619A (en) * | 2021-11-16 | 2022-02-01 | 平安养老保险股份有限公司 | Annuity payment rule checking method and device and related equipment |
| CN115099872A (en) * | 2022-07-15 | 2022-09-23 | 中国工商银行股份有限公司 | Method and device for generating bottom-layer pricing factor |
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