CN110428258A - Transaction risk monitoring method and device - Google Patents
Transaction risk monitoring method and device Download PDFInfo
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- CN110428258A CN110428258A CN201910692906.7A CN201910692906A CN110428258A CN 110428258 A CN110428258 A CN 110428258A CN 201910692906 A CN201910692906 A CN 201910692906A CN 110428258 A CN110428258 A CN 110428258A
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- transaction
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
- G06Q20/3415—Cards acting autonomously as pay-media
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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Abstract
The present invention provides a kind of transaction risk monitoring method and device, and method includes: to receive the transaction request of target user, wherein includes the exchange hour currently traded and loco in the transaction request；Obtain exchange hour and the loco of the last transaction of the target user；According to the exchange hour of the last transaction and loco, judge whether the current transaction of the target user meets preset transaction area simultaneously and require, trade apart from safety requirements and apart from changing feasibility requirement, if so, carrying out corresponding transaction to the current transaction passes through processing.The present invention can effectively effectively prevent the bank card of the user bank card when carrying out swiping card stolen the case where brush, ensure that the safety of transaction, to ensure that the bank card swiping card of user is safe.
Description
Technical field
The present invention relates to data trade technical fields, and in particular to a kind of transaction risk monitoring method and device.
Background technique
With the development of bank card business, bankcard consumption is received by more people.It is also repeatly that bank card, which steals brush case,
See not fresh.Especially in data age, the various information of user is all stored in big data platform, leads to account password or silver
Row card information is obtained by criminal, and the trading activity of my non-wish occurs, causes monetary losses to user.
Current illegal measure in big data platform mainly by being arranged regulation engine, black and white lists and the transaction frequency
Etc. rules, settings of these rules are insufficient to the restriction of now more and more mature robber's brush technology, and the bank card of user is appointed right
In the presence of brush risk is stolen, assets are not safe enough.Therefore usually see that media report someone in the case where card is not from body, receives more
Pen payment short message is reminded, and is frequently experienced in night, when to be found, blocked interior fund and has been stolen.
Therefore a kind of theft preventing method or device are needed to improve the safety of bank card business dealing, ensures the fund peace of client
Entirely.
Summary of the invention
For the problems of the prior art, the present invention provides a kind of transaction risk monitoring method and device, can be improved silver
The safety of row card transaction, ensures the fund security of client.
In order to solve the above technical problems, the present invention the following technical schemes are provided:
In a first aspect, the present invention provides a kind of transaction risk monitoring method, comprising:
Receive the transaction request of target user, wherein include in the transaction request exchange hour currently traded and
Loco；
Obtain exchange hour and the loco of the last transaction of the target user；
According to the exchange hour of the last transaction and loco, judge whether the current of the target user trades
Meet preset transaction area simultaneously to require, trade apart from safety requirements and apart from change feasibility requirement, if so, to deserving
Preceding transaction carries out corresponding transaction and passes through processing.
Further, after the upper exchange hour once traded for obtaining the target user and loco,
Further include:
According to the exchange hour of the last transaction and loco, judge whether the current of the target user trades
Meet preset transaction area simultaneously to require and apart from change feasibility requirement, if so, carrying out the current transaction corresponding
Transaction passes through processing.
Further, after the upper exchange hour once traded for obtaining the target user and loco,
Further include:
According to the exchange hour of the last transaction and loco, judge whether the current of the target user trades
Preset transaction is not met simultaneously apart from safety requirements and apart from change feasibility requirement, if so, carrying out to the current transaction
Corresponding transaction refusal passes through processing.
Further, after the upper exchange hour once traded for obtaining the target user and loco,
Further include:
According to the exchange hour of the last transaction and loco, judge whether the current of the target user trades
Meet preset transaction simultaneously apart from safety requirements and apart from change feasibility requirement, and, do not meet preset transaction area
It is required that；If so, carrying out verifying to the current transaction and carrying out trading after being verified to pass through processing.
Wherein, the transaction area requires to include: the loco currently traded is in preset transaction area.
Wherein, the transaction includes: the loco currently traded and the last transaction apart from safety requirements
The distance between loco difference be less than or equal to preset safe distance value.
Wherein, the distance change feasibility requirement includes: that target velocity is less than or equal to preset target up to speed；
Wherein, target velocity is the distance between the loco of the loco currently traded and last transaction difference
The ratio of time difference between the exchange hour of the exchange hour and last transaction currently traded.
Wherein, the mode of the verifying includes: at least one in short-message verification, telephone authentication, password authentication and mail verifying
Kind.
Second aspect, the present invention provide a kind of transaction risk monitoring device, comprising:
Receiving unit, for receiving the transaction request of target user, wherein include current transaction in the transaction request
Exchange hour and loco；
Acquiring unit, for obtaining exchange hour and the loco of the last transaction of the target user；
First judging unit, for judging the target according to the last exchange hour traded and loco
Whether the current transaction of user meets preset transaction area simultaneously requires, trades apart from safety requirements and apart from change feasibility
It is required that if so, carrying out corresponding transaction to the current transaction passes through processing.
Further, further includes:
Second judgment unit, for judging the target according to the last exchange hour traded and loco
Whether the current transaction of user meets preset transaction area requirement and simultaneously apart from change feasibility requirement, if so, to this
Current transaction carries out corresponding transaction and passes through processing.
Further, further includes:
Third judging unit, for judging the target according to the last exchange hour traded and loco
Whether the current transaction of user does not meet preset transaction apart from safety requirements and apart from change feasibility requirement simultaneously, if so,
Corresponding transaction refusal then is carried out to the current transaction and passes through processing.
Further, further includes:
4th judging unit, for judging the target according to the last exchange hour traded and loco
Whether the current transaction of user meets preset transaction apart from safety requirements and apart from change feasibility requirement simultaneously, and, no
Meet preset transaction area to require；If so, carrying out verifying to the current transaction and carrying out trading after being verified to pass through
Processing.
Wherein, the transaction area requires to include: the loco currently traded is in preset transaction area.
Wherein, the transaction includes: the loco currently traded and the last transaction apart from safety requirements
The distance between loco difference be less than or equal to preset safe distance value.
Wherein, the distance change feasibility requirement includes: that target velocity is less than or equal to preset target up to speed；
Wherein, target velocity is the distance between the loco of the loco currently traded and last transaction difference
The ratio of time difference between the exchange hour of the exchange hour and last transaction currently traded.
Wherein, the mode of the verifying includes: at least one in short-message verification, telephone authentication, password authentication and mail verifying
Kind.
The third aspect, the present invention provides a kind of electronic equipment, including memory, processor and storage are on a memory and can
The computer program run on a processor, the processor realize the transaction risk monitoring method when executing described program
The step of.
Fourth aspect, the present invention provide a kind of computer readable storage medium, are stored thereon with computer program, the calculating
The step of transaction risk monitoring method is realized when machine program is executed by processor.
As shown from the above technical solution, the present invention provides a kind of transaction risk monitoring method and device, passes through and receives target
The transaction request of user, wherein include the exchange hour currently traded and loco in the transaction request；Described in acquisition
The exchange hour of the last transaction of target user and loco；According to the exchange hour and transaction ground of the last transaction
Point judges whether the current transaction of the target user meets that preset transaction area requires, transaction is apart from safety requirements simultaneously
Feasibility requirement is changed with distance, if so, carrying out corresponding transaction by processing to the current transaction, can be effectively prevented
The bank card of user bank card when carrying out swiping card is stolen the case where brushing, and ensure that the safety of transaction, to protect
Hinder the bank card swiping card safety of user.
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 the present invention
Some embodiments for those of ordinary skill in the art without creative efforts, can also basis
These attached drawings obtain other attached drawings.
Fig. 1 is the first flow diagram of the transaction risk monitoring method in the embodiment of the present invention.
Fig. 2 is second of flow diagram of the transaction risk monitoring method in the embodiment of the present invention.
Fig. 3 is the third flow diagram of the transaction risk monitoring method in the embodiment of the present invention.
Fig. 4 is the 4th kind of flow diagram of the transaction risk monitoring method in the embodiment of the present invention.
Fig. 5 is full-range flow diagram in the transaction risk monitoring method in the embodiment of the present invention.
The structural schematic diagram of transaction risk monitoring device in Fig. 6 embodiment of the present invention.
Fig. 7 is the structural schematic diagram of the electronic equipment in the embodiment of the present invention.
Specific embodiment
In order to make the object, technical scheme and advantages of the embodiment of the invention clearer, below in conjunction with the embodiment of the present invention
In attached drawing, the technical scheme in the embodiment of the invention is clearly and completely described, it is clear that described embodiment is
A part of the embodiment of the present invention, instead of all the embodiments.Based on the embodiments of the present invention, those of ordinary skill in the art
Every other embodiment obtained without making creative work, shall fall within the protection scope of the present invention.
The present invention provides a kind of embodiment of transaction risk monitoring method, referring to Fig. 1, the transaction risk monitoring method tool
Body includes following content:
S101: the transaction request of target user is received, wherein when including the transaction currently traded in the transaction request
Between and loco；
It is understood that server obtains the transaction request that transaction terminal is sent, i.e. user passes through transaction terminal to clothes
Business device sends transaction request, so that server is based on the transaction request and is handled, to determine whether to trade.Transaction terminal
Including but not limited to support POS machine, ATM machine, bank counter card swiping device and the Internetbank operating terminal of bank card swiping card transaction.It hands over
When easily request refers to that user carries out trading activity, transaction terminal is received and is sent to asking for what is traded for server
It asks.The transaction request includes User ID and Transaction Information.User ID is the mark of user for identification, including but not limited to user
Bank's card number, Transaction Information be request occur this transaction Transaction Information.When Transaction Information includes loco and transaction
Between.Loco refers to that, when transaction terminal carries out credit card transaction, the corresponding transaction of the transaction occurs for user using bank card
The location information of terminal.Exchange hour refers to that, when transaction terminal carries out credit card transaction, this friendship occurs for user using bank card
Easy corresponding exchange hour.
S102: exchange hour and the loco of the last transaction of the target user are obtained；
In this step, the exchange hour of last transaction and loco constitute last Transaction Information；It is last
When Transaction Information is referred to based on user using same bank card progress credit card transaction, choose immediate with current exchange hour
The corresponding Transaction Information of one transaction.
Last loco refers to the position for carrying out the transaction terminal of target transaction.Last exchange hour refers to progress
Corresponding exchange hour when transaction.
S103: according to the exchange hour of the last transaction and loco, judge the current friendship of the target user
Easily whether meet preset transaction area simultaneously to require, trade apart from safety requirements and apart from change feasibility requirement, if so,
Corresponding transaction is carried out to the current transaction and passes through processing.
In this step, the server being connected with transaction terminal based on User ID and can work as after obtaining transaction request
Preceding exchange hour obtain with the immediate last Transaction Information of current exchange hour, to obtain last loco and upper
Exchange hour.By obtaining last loco and last exchange hour, to be based on the last time loco
With last exchange hour, judge the current transaction of the target user whether meet simultaneously preset transaction area require, friendship
Easily apart from safety requirements and apart from change feasibility requirement, swiping card is being carried out using the bank card to calculate the user
When whether safety, and whether respond the transaction request according to whether completely determining.Wherein, in this step, the transaction is responded to ask
Ask and specifically include: judge the current transaction of the target user whether meet simultaneously preset transaction area require, distance of trading
Safety requirements and apart from change feasibility requirement, if so, carrying out corresponding transaction to the current transaction passes through processing.
In the present embodiment, the transaction request whether is responded according to whether completely determining, specifically further include:
It referring to fig. 2, on the basis of the above embodiments, after step s 102 further include step S105, specific as follows:
S104: according to the exchange hour of the last transaction and loco, judge the current friendship of the target user
Easily whether meet preset transaction area simultaneously to require and apart from change feasibility requirement, if so, carrying out the current transaction
Corresponding transaction passes through processing.
It after step s 102 further include step S106 on the basis of the above embodiments referring to Fig. 3, specific as follows:
S105: according to the exchange hour of the last transaction and loco, judge the current friendship of the target user
Preset transaction whether is not met simultaneously easily apart from safety requirements and apart from change feasibility requirement, if so, to the current friendship
It easily carries out corresponding transaction refusal and passes through processing.
It referring to fig. 4, on the basis of the above embodiments, after step s 102 further include step S107, specific as follows:
S106: according to the exchange hour of the last transaction and loco, judge the current friendship of the target user
Easily whether meet preset transaction simultaneously apart from safety requirements and apart from change feasibility requirement, and, do not meet preset friendship
Easy area requirement；If so, carrying out verifying to the current transaction and carrying out trading after being verified to pass through processing.Wherein, it tests
The mode of card includes: at least one of short-message verification, telephone authentication, password authentication and mail verifying.
It should be noted that transaction area requires to include: the loco currently traded is in preset transaction area.
Trade apart from safety requirements include: between the loco currently traded and the loco of the last transaction away from
Deviation value is less than or equal to preset safe distance value.Distance change feasibility requirement includes: that target velocity is less than or equal in advance
If target up to speed；Wherein, target velocity is between the loco currently traded and the loco of last transaction
Distance difference and the exchange hour and last transaction currently traded exchange hour between time difference ratio.
Preset safe distance value can be the setting value of system default, and can also be modified setting by client, for example,
It can be set as 300 kilometers.
The target traffic speed currently most fast up to speed representation, can be the setting value of system default, can also be by visitor
Family is modified setting, such as is set as 1000 kilometers/hour.
Preset transaction area can be the common transaction area of client's setting, and/or be believed according to the historical trading of client
Breath, the high frequency transaction area of extraction, can set multiple.
As can be seen from the above description, the present invention provides a kind of transaction risk monitoring method, by the transaction for receiving target user
Request, wherein include the exchange hour currently traded and loco in the transaction request；Obtain the target user's
The exchange hour of last time transaction and loco；According to the exchange hour of the last transaction and loco, institute is judged
State target user current transaction whether and meanwhile meet that preset transaction area requires, transaction is apart from safety requirements and apart from change
Feasibility requirement can effectively prevent the bank of user if so, carrying out corresponding transaction by processing to the current transaction
It is stuck in the stolen the case where brushing of bank card when carrying out swiping card, ensure that the safety of transaction, to ensure the silver of user
Row card card punching safety.
To further explain this programme, the present invention provides a kind of whole process embodiment of transaction risk monitoring method, ginseng
See Fig. 5, the transaction risk monitoring method specifically includes following content:
Step S11: obtaining the transaction request of current goal user, which includes: location information D1 and timestamp
T1 information.
Step S12: nearest (that is, the last trade) time stamp T of target user is obtained according to current target user
At a distance between the two places location information D, calculating location information D and location information D1, it is assigned to R1, it is preset to judge whether R1 meets
Transaction, if it is, entering step S13, otherwise, enters step S14 apart from safety requirements.Wherein, R1 is less than or equal to safety
Distance value is then assert and meets transaction apart from safety requirements.
Step S13: the time difference between time stamp T 1 and time stamp T is further calculated, and determines R1 and the time difference
Ratio is assigned to V1 by the ratio of value, judges whether V1 meets preset distance change feasibility requirement if it is, entering step
Otherwise rapid S15 enters step S14.Wherein, V1 is less than or equal to preset target up to speed, then assert meet it is preset away from
From change feasibility requirement.
Whether step S14: the location information D1 that judgement is currently traded belong to preset transaction area, if it is, into
Otherwise step S16 enters step S17.
Step S15: handling transaction, which belongs to high risk processing, such as can take out-going call and visitor
Family is verified, and according to situation is verified, let pass to transaction or refusal is handled.
Step S16: carrying out clearance processing to transaction, which belongs to low-risk processing.
Step S17: taking short message and/or APP to notify the mode of client, and according to the reply situation of client, to trade into
Row is let pass or refusal processing, which belongs to risk processing.
The embodiment of the present invention provides a kind of transaction risk that can be realized full content in the transaction risk monitoring method
The specific embodiment of monitoring device specifically includes following content referring to transaction risk monitoring device described in Fig. 6:
Receiving unit 10, for receiving the transaction request of target user, wherein include current friendship in the transaction request
Easy exchange hour and loco；
Acquiring unit 20, for obtaining exchange hour and the loco of the last transaction of the target user；
First judging unit 30, for judging the mesh according to the last exchange hour traded and loco
Whether the current transaction of mark user meets preset transaction area simultaneously requires, trades apart from safety requirements and feasible apart from change
Property require, if so, carrying out corresponding transaction to the current transaction passes through processing.
Further, further includes:
Second judgment unit 40, for judging the mesh according to the last exchange hour traded and loco
Whether the current transaction of mark user meets preset transaction area requirement and simultaneously apart from change feasibility requirement, if so, right
The current transaction carries out corresponding transaction and passes through processing.
Further, further includes:
Third judging unit 50, for judging the mesh according to the last exchange hour traded and loco
Whether the current transaction of mark user does not meet preset transaction apart from safety requirements and apart from change feasibility requirement simultaneously, if
It is that corresponding transaction refusal then is carried out to the current transaction and passes through processing.
Further, further includes:
4th judging unit 60, for judging the mesh according to the last exchange hour traded and loco
Whether the current transaction of mark user meets preset transaction apart from safety requirements and apart from change feasibility requirement simultaneously, and,
Preset transaction area is not met to require；If so, carrying out verifying to the current transaction and carrying out trading after being verified logical
Cross processing.
Wherein, the transaction area requires to include: the loco currently traded is in preset transaction area.
Wherein, the transaction includes: the loco currently traded and the last transaction apart from safety requirements
The distance between loco difference be less than or equal to preset safe distance value.
Wherein, the distance change feasibility requirement includes: that target velocity is less than or equal to preset target up to speed；
Wherein, target velocity is the distance between the loco of the loco currently traded and last transaction difference
The ratio of time difference between the exchange hour of the exchange hour and last transaction currently traded.
Wherein, the mode of the verifying includes: at least one in short-message verification, telephone authentication, password authentication and mail verifying
Kind.
The embodiment of transaction risk monitoring device provided by the invention specifically can be used for executing the friendship in above-described embodiment
The process flow of the embodiment of easy risk monitoring and control method, details are not described herein for function, is referred to above method embodiment
Detailed description.
As can be seen from the above description, transaction risk monitoring device provided in an embodiment of the present invention, by receiving target user's
Transaction request, wherein include the exchange hour currently traded and loco in the transaction request；The target is obtained to use
The exchange hour of the last transaction at family and loco；According to the exchange hour of the last transaction and loco, sentence
Break the target user current transaction whether and meanwhile meet that preset transaction area requires, transaction is apart from safety requirements and distance
Feasibility requirement is changed, if so, carrying out corresponding transaction by processing to the current transaction, can effectively prevent user's
Bank card bank card when carrying out swiping card is stolen the case where brushing, and ensure that the safety of transaction, to ensure user
Bank card swiping card safety.
The application provides a kind of electronics for realizing all or part of the content in the transaction risk monitoring method and sets
Electronic equipment described in standby embodiment specifically includes following content:
Processor (processor), memory (memory), communication interface (Communications Interface) and
Bus；Wherein, the processor, memory, communication interface complete mutual communication by the bus；The communication interface
For realizing the information transmission between relevant device；The electronic equipment can be desktop computer, tablet computer and mobile terminal
Deng the present embodiment is without being limited thereto.In the present embodiment, which is referred to embodiment for realizing the transaction risk
The embodiment of monitoring method and implemented for realizing the embodiment of the transaction risk monitoring device, content is incorporated in
This, overlaps will not be repeated.
Fig. 7 is the schematic block diagram that the system of the electronic equipment 9600 of the embodiment of the present application is constituted.As shown in fig. 7, the electronics
Equipment 9600 may include central processing unit 9100 and memory 9140；Memory 9140 is coupled to central processing unit 9100.Value
It obtains it is noted that the Fig. 7 is exemplary；Other kinds of structure can also be used, to supplement or replace the structure, to realize
Telecommunications functions or other function.
In one embodiment, transaction risk monitoring function can be integrated into central processing unit 9100.Wherein, central processing
Device 9100, which can be configured as, to carry out control as follows: the transaction request by receiving target user, wherein in the transaction request
It include the exchange hour currently traded and loco；Obtain exchange hour and the friendship of the last transaction of the target user
Easy place；According to the exchange hour of the last transaction and loco, judge whether the current of the target user trades
Meet preset transaction area simultaneously to require, trade apart from safety requirements and apart from change feasibility requirement, if so, to deserving
Preceding transaction carries out corresponding transaction and passes through processing.
As can be seen from the above description, the electronic equipment that embodiments herein provides, the transaction by receiving target user is asked
It asks, wherein include the exchange hour currently traded and loco in the transaction request；Obtain the upper of the target user
The exchange hour once traded and loco；According to the exchange hour of the last transaction and loco, described in judgement
Whether the current transaction of target user meets preset transaction area simultaneously requires, trades apart from safety requirements and can apart from change
Row requirement can effectively prevent the bank card of user if so, carrying out corresponding transaction by processing to the current transaction
When carrying out swiping card, bank card stolen the case where brushing, ensure that the safety of transaction, to ensure the bank of user
Card card punching safety.
In another embodiment, transaction risk monitoring device can with 9100 separate configuration of central processing unit, such as
Transaction risk can be monitored into the chip for being configured to connect with central processing unit 9100, be realized by the control of central processing unit
Transaction risk monitoring function.
As shown in fig. 7, the electronic equipment 9600 can also include: communication module 9110, input unit 9120, audio processing
Device 9130, display 9160, power supply 9170.It is worth noting that, electronic equipment 9600 is also not necessary to include institute in Fig. 7
All components shown；In addition, electronic equipment 9600 can also include the component being not shown in Fig. 7, the prior art can be referred to.
As shown in fig. 7, central processing unit 9100 be otherwise referred to as controller or operational controls, may include microprocessor or
Other processor devices and/or logic device, the central processing unit 9100 receive input and controlling electronic devices 9600 it is each
The operation of component.
Wherein, memory 9140, such as can be buffer, flash memory, hard disk driver, removable medium, volatile memory, non-
One of volatile memory or other appropriate devices or more.Above-mentioned information related with failure can be stored, additionally
The program executed for information about can be stored.And the program of the memory 9140 storage can be performed in central processing unit 9100, with
Realize information storage or processing etc..
Input unit 9120 provides input to central processing unit 9100.The input unit 9120 is, for example, key or touches defeated
Enter device.Power supply 9170 is used to provide electric power to electronic equipment 9600.Display 9160 is for carrying out the display such as image and text
The display of object.The display may be, for example, LCD display, and but it is not limited to this.
The memory 9140 can be solid-state memory, for example, read-only memory (ROM), random access memory
(RAM), SIM card etc..The memory that may also is that, saves information when power is off, can be selectively erased
And more data are equipped with, the example of the memory is sometimes referred to as EPROM etc..Memory 9140 can also be some other type
Device.Memory 9140 includes buffer storage 9141 (sometimes referred to as buffer).Memory 9140 may include using/
Function storage unit 9142, the applications/functions storage unit 9142 is for storing application program and function program or for passing through center
Processor 9100 executes the process of the operation of electronic equipment 9600.
Memory 9140 can also include data store 9143, the data store 9143 for storing data, such as
Contact person, numerical data, picture, sound and/or any other data used by electronic equipment.The driving journey of memory 9140
Sequence storage unit 9144 may include electronic equipment for communication function and/or other function for executing electronic equipment (such as
Messaging application, address list application etc.) various drivers.
Communication module 9110 is the transmitter receiver 9110 sent and received signal via antenna 9111.Communicate mould
Block (transmitter receiver) 9110 is coupled to central processing unit 9100, and to provide input signal and receive output signal, this can be with
The case where with normal mobile communication terminal, is identical.
Based on the different communication technologys, in same electronic equipment, multiple communication modules 9110 can be set, such as honeycomb
Network module, bluetooth module and/or Wireless LAN module etc..Communication module (transmitter receiver) 9110 is also via audio
Processor 9130 is coupled to loudspeaker 9131 and microphone 9132, to provide audio output via loudspeaker 9131, and receives and
From the audio input of microphone 9132, to realize common telecommunications functions.Audio processor 9130 may include any suitable
Buffer, decoder, amplifier etc..In addition, audio processor 9130 is additionally coupled to central processing unit 9100, so that can
Can record in the machine by microphone 9132, and allow to play the sound stored in the machine by loudspeaker 9131
Sound.
The embodiment of the present invention also provides strong reflectance signal separation side in the seismic data that can be realized in above-described embodiment
A kind of computer readable storage medium of Overall Steps in method is stored with computer journey on the computer readable storage medium
Sequence, the computer program realize strong reflectance signal separation method in the seismic data in above-described embodiment when being executed by processor
Overall Steps, for example, the processor realizes following step when executing the computer program: the friendship by receiving target user
Easily request, wherein include the exchange hour currently traded and loco in the transaction request；Obtain the target user
Last transaction exchange hour and loco；According to the exchange hour of the last transaction and loco, judgement
Whether the current transaction of the target user meets preset transaction area simultaneously requires, trades apart from safety requirements and apart from change
More feasibility requirement, if so, carrying out corresponding transaction to the current transaction passes through processing.
As can be seen from the above description, computer readable storage medium provided in an embodiment of the present invention, by receiving target user
Transaction request, wherein include the exchange hour currently traded and loco in the transaction request；Obtain the target
The exchange hour of the last transaction of user and loco；The exchange hour traded according to the last time and loco,
Judge the current transaction of the target user whether meet simultaneously preset transaction area require, transaction apart from safety requirements and away from
From change feasibility requirement, if so, carrying out corresponding transaction by processing to the current transaction, user can be effectively prevented
Bank card bank card is stolen when carrying out swiping card the case where brushing, ensure that the safety of transaction, to ensure use
The bank card swiping card safety at family.
Although the present invention provides the method operating procedure as described in embodiment or flow chart, based on conventional or noninvasive
The labour for the property made may include more or less operating procedure.The step of enumerating in embodiment sequence is only numerous steps
One of execution sequence mode, does not represent and unique executes sequence.It, can when device or client production in practice executes
To execute or parallel execute (such as at parallel processor or multithreading according to embodiment or method shown in the drawings sequence
The environment of reason).
It will be understood by those skilled in the art that the embodiment of this specification can provide as method, apparatus (system) or computer
Program product.Therefore, this specification embodiment can be used complete hardware embodiment, complete software embodiment or in conjunction with software and firmly
The form of embodiment in terms of part.Moreover, it wherein includes computer available programs generation that the present invention, which can be used in one or more,
The meter implemented in the computer-usable storage medium (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.) of code
The form of calculation machine program product.
The present invention be referring to according to the method for the embodiment of the present invention, the flow chart of device (system) and computer program product
And/or block diagram describes.It should be understood that each process in flowchart and/or the block diagram can be realized by computer program instructions
And/or the combination of the process and/or box in box and flowchart and/or the block diagram.It can provide these computer programs to refer to
Enable the processor of general purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices to generate
One machine so that by the instruction that the processor of computer or other programmable data processing devices executes generate for realizing
The device for the function of being specified in one or more flows of the flowchart and/or one or more blocks of the block diagram.
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 device, the command device 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.
All the embodiments in this specification are described in a progressive manner, same and similar portion between each embodiment
Dividing may refer to each other, and each embodiment focuses on the differences from other embodiments.Especially for system reality
For applying example, since it is substantially similar to the method embodiment, so being described relatively simple, related place is referring to embodiment of the method
Part explanation.Herein, relational terms such as first and second and the like be used merely to an entity or
Operation is distinguished with another entity or operation, and without necessarily requiring or implying between these entities or operation, there are any
This actual relationship or sequence.Moreover, the terms "include", "comprise" or its any other variant be intended to it is non-exclusive
Property include so that include a series of elements process, method, article or equipment not only include those elements, but also
Further include other elements that are not explicitly listed, or further include for this process, method, article or equipment it is intrinsic
Element.The orientation or positional relationship of the instructions such as term " on ", "lower" be based on the orientation or positional relationship shown in the drawings, be only for
Convenient for the description present invention and simplify description, rather than the device or element of indication or suggestion meaning there must be specific side
Position is constructed and operated in a specific orientation, therefore is not considered as limiting the invention.Unless otherwise specific regulation and limit
Fixed, term " installation ", " connected ", " connection " shall be understood in a broad sense, for example, it may be being fixedly connected, be also possible to detachably connect
It connects, or is integrally connected；It can be mechanical connection, be also possible to be electrically connected；It can be directly connected, intermediate matchmaker can also be passed through
Jie is indirectly connected, and can be the connection inside two elements.It for the ordinary skill in the art, can be according to specific
Situation understands the concrete meaning of above-mentioned term in the present invention.It should be noted that in the absence of conflict, in the present invention
Feature in embodiment and embodiment can be combined with each other.The invention is not limited to any single aspects, are also not limited to
Any single embodiment is also not limited to any combination and/or displacement of these aspects and/or embodiment.Furthermore, it is possible to single
Solely using it is of the invention it is each for the use of and/or embodiment or make for the use of other and/or in conjunction with embodiment with one or more
With.
Finally, it should be noted that the above embodiments are only used to illustrate the technical solution of the present invention., rather than its limitations；To the greatest extent
Pipe present invention has been described in detail with reference to the aforementioned embodiments, those skilled in the art should understand that: its according to
So be possible to modify the technical solutions described in the foregoing embodiments, or to some or all of the technical features into
Row equivalent replacement；And these are modified or replaceed, various embodiments of the present invention technology that it does not separate the essence of the corresponding technical solution
The range of scheme should all cover within the scope of the claims and the description of the invention.
Claims (18)
1. a kind of transaction risk monitoring method characterized by comprising
Receive the transaction request of target user, wherein include the exchange hour currently traded and transaction in the transaction request
Place；
Obtain exchange hour and the loco of the last transaction of the target user；
According to the exchange hour of the last transaction and loco, whether simultaneously the current transaction of the target user is judged
Meet preset transaction area to require, trade apart from safety requirements and apart from change feasibility requirement, if so, to the current friendship
It easily carries out corresponding transaction and passes through processing.
2. transaction risk monitoring method according to claim 1, which is characterized in that obtain the target user's described
After the exchange hour of last time transaction and loco, further includes:
According to the exchange hour of the last transaction and loco, whether simultaneously the current transaction of the target user is judged
Meet preset transaction area to require and apart from change feasibility requirement, if so, carrying out corresponding transaction to the current transaction
Pass through processing.
3. transaction risk monitoring method according to claim 1, which is characterized in that obtain the target user's described
After the exchange hour of last time transaction and loco, further includes:
According to the exchange hour of the last transaction and loco, whether simultaneously the current transaction of the target user is judged
Preset transaction is not met apart from safety requirements and apart from change feasibility requirement, if so, corresponding to the current transaction
Transaction refusal pass through processing.
4. transaction risk monitoring method according to claim 1, which is characterized in that obtain the target user's described
After the exchange hour of last time transaction and loco, further includes:
According to the exchange hour of the last transaction and loco, whether simultaneously the current transaction of the target user is judged
Meet preset transaction apart from safety requirements and apart from change feasibility requirement, and, it does not meet preset transaction area and requires；
If so, carrying out verifying to the current transaction and carrying out trading after being verified to pass through processing.
5. transaction risk monitoring method according to claim 1, which is characterized in that the transaction area requires to include: institute
The loco currently traded is stated in preset transaction area.
6. transaction risk monitoring method according to claim 1, which is characterized in that the transaction is apart from safety requirements packet
Include: the distance between the loco currently traded and the loco of the last transaction difference are less than or equal to pre-
If safe distance value.
7. transaction risk monitoring method according to claim 1, which is characterized in that the distance change feasibility requirement packet
Include: target velocity is less than or equal to preset target up to speed；
Wherein, target velocity is the distance between the loco of the loco currently traded and last transaction difference and work as
The ratio of time difference between the exchange hour of preceding transaction and the exchange hour of last transaction.
8. transaction risk monitoring method according to claim 4, which is characterized in that the mode of the verifying includes: short message
At least one of verifying, telephone authentication, password authentication and mail verifying.
9. a kind of transaction risk monitoring device characterized by comprising
Receiving unit, for receiving the transaction request of target user, wherein include the friendship currently traded in the transaction request
Easy time and loco；
Acquiring unit, for obtaining exchange hour and the loco of the last transaction of the target user；
First judging unit, for judging the target user according to the last exchange hour traded and loco
Current transaction whether meet preset transaction area simultaneously and require, trade apart from safety requirements and wanted apart from change feasibility
It asks, if so, carrying out corresponding transaction to the current transaction passes through processing.
10. transaction risk monitoring device according to claim 9, which is characterized in that further include:
Second judgment unit, for judging the target user according to the last exchange hour traded and loco
Current transaction whether meet preset transaction area simultaneously and require and apart from change feasibility requirement, if so, current to this
Transaction carries out corresponding transaction and passes through processing.
11. transaction risk monitoring device according to claim 9, which is characterized in that further include:
Third judging unit, for judging the target user according to the last exchange hour traded and loco
It is current transaction whether simultaneously do not meet it is preset transaction apart from safety requirements and apart from change feasibility requirement, if so, right
The current transaction carries out corresponding transaction refusal and passes through processing.
12. transaction risk monitoring device according to claim 9, which is characterized in that further include:
4th judging unit, for judging the target user according to the last exchange hour traded and loco
It is current transaction whether simultaneously meet it is preset transaction apart from safety requirements and apart from change feasibility requirement, and, do not meet
Preset transaction area requires；If so, carrying out verifying to the current transaction and carrying out trading after being verified to pass through processing.
13. transaction risk monitoring device according to claim 9, which is characterized in that the transaction area requires to include: institute
The loco currently traded is stated in preset transaction area.
14. transaction risk monitoring device according to claim 9, which is characterized in that the transaction is apart from safety requirements packet
Include: the distance between the loco currently traded and the loco of the last transaction difference are less than or equal to pre-
If safe distance value.
15. transaction risk monitoring device according to claim 9, which is characterized in that the distance change feasibility requirement
It include: that target velocity is less than or equal to preset target up to speed；
Wherein, target velocity is the distance between the loco of the loco currently traded and last transaction difference and work as
The ratio of time difference between the exchange hour of preceding transaction and the exchange hour of last transaction.
16. transaction risk monitoring device according to claim 12, which is characterized in that the mode of the verifying includes: short
Believe at least one of verifying, telephone authentication, password authentication and mail verifying.
17. a kind of electronic equipment including memory, processor and stores the calculating that can be run on a memory and on a processor
Machine program, which is characterized in that the processor realizes the described in any item transaction wind of claim 1 to 8 when executing described program
The step of dangerous monitoring method.
18. a kind of computer readable storage medium, is stored thereon with computer program, which is characterized in that the computer program quilt
The step of claim 1 to 8 described in any item transaction risk monitoring methods are realized when processor executes.
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|---|---|---|---|
| CN201910692906.7A CN110428258A (en) | 2019-07-30 | 2019-07-30 | Transaction risk monitoring method and device |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910692906.7A CN110428258A (en) | 2019-07-30 | 2019-07-30 | Transaction risk monitoring method and device |
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| CN110428258A true CN110428258A (en) | 2019-11-08 |
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| CN201910692906.7A Pending CN110428258A (en) | 2019-07-30 | 2019-07-30 | Transaction risk monitoring method and device |
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Application publication date: 20191108 |