CN111127030A - Transaction early warning method, device and equipment - Google Patents
Transaction early warning method, device and equipment Download PDFInfo
- Publication number
- CN111127030A CN111127030A CN201911406535.8A CN201911406535A CN111127030A CN 111127030 A CN111127030 A CN 111127030A CN 201911406535 A CN201911406535 A CN 201911406535A CN 111127030 A CN111127030 A CN 111127030A
- Authority
- CN
- China
- Prior art keywords
- target
- transaction
- early warning
- account
- target transaction
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
- 238000000034 method Methods 0.000 title claims abstract description 41
- 238000012795 verification Methods 0.000 claims abstract description 76
- 230000002159 abnormal effect Effects 0.000 claims abstract description 26
- 238000001514 detection method Methods 0.000 claims abstract description 16
- 238000012545 processing Methods 0.000 claims description 31
- 238000012546 transfer Methods 0.000 claims description 8
- 238000012552 review Methods 0.000 claims description 3
- 238000010586 diagram Methods 0.000 description 6
- 238000004590 computer program Methods 0.000 description 4
- 230000006870 function Effects 0.000 description 4
- 238000004891 communication Methods 0.000 description 3
- 230000000694 effects Effects 0.000 description 3
- 230000008569 process Effects 0.000 description 3
- 238000005516 engineering process Methods 0.000 description 2
- 238000012986 modification Methods 0.000 description 2
- 230000004048 modification Effects 0.000 description 2
- 238000012544 monitoring process Methods 0.000 description 2
- 238000004458 analytical method Methods 0.000 description 1
- 230000002547 anomalous effect Effects 0.000 description 1
- 230000005540 biological transmission Effects 0.000 description 1
- 230000001364 causal effect Effects 0.000 description 1
- 239000007795 chemical reaction product Substances 0.000 description 1
- 238000000151 deposition Methods 0.000 description 1
- 230000002650 habitual effect Effects 0.000 description 1
- 230000006872 improvement Effects 0.000 description 1
- 238000004900 laundering Methods 0.000 description 1
- 238000010801 machine learning Methods 0.000 description 1
- 239000000047 product Substances 0.000 description 1
- 230000004044 response Effects 0.000 description 1
Images
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Computer Security & Cryptography (AREA)
- Finance (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The application provides a transaction early warning method, a transaction early warning device and transaction early warning equipment, wherein the method comprises the following steps: acquiring characteristic data of a target transaction initiated by a current user through a target account; judging whether the target transaction meets the early warning condition of the target account or not by adopting at least one early warning verification mode of identity verification, abnormal account detection and account transaction habit verification on the target transaction according to the characteristic data of the target transaction; sending early warning information to a target user under the condition that the target transaction meets the early warning condition; receiving feedback information of the target user to the early warning information; and adjusting the early warning condition of the target account according to the feedback information. In the embodiment of the application, the target user can be reminded in time under the condition that the early warning condition is met, and the safety of the account is effectively improved. Furthermore, the early warning condition of the target account can be adjusted according to the feedback information of the target user to the early warning information, so that the accuracy of transaction early warning is further improved.
Description
Technical Field
The present application relates to the field of data processing technologies, and in particular, to a transaction early warning method, apparatus, and device.
Background
The bank user can register a bank account, and log in the registered bank account through an ATM machine, a bank counter, a mobile phone bank, a web page, and the like, and perform related transactions. However, the account may be stolen, and a lawbreaker may illegally log in the stolen account for transaction, so that the fund security of the bank account cannot be guaranteed. In the prior art, a method for monitoring transactions in real time is not available, so that an account holder cannot be reminded in time when the transactions are abnormal, and the situations are avoided.
In view of the above problems, no effective solution has been proposed.
Disclosure of Invention
The embodiment of the application provides a transaction early warning method, a transaction early warning device and transaction early warning equipment, and aims to solve the problem that in the prior art, an account holder cannot be reminded timely under the condition that a transaction is abnormal.
The embodiment of the application provides a transaction early warning method, which comprises the following steps: acquiring characteristic data of a target transaction initiated by a current user through a target account; adopting at least one early warning verification mode of identity verification, abnormal account detection and account transaction habit verification to the target transaction according to the characteristic data of the target transaction to judge whether the target transaction meets the early warning condition of the target account; sending early warning information to the target user under the condition that the target transaction meets the early warning condition; receiving feedback information of the target user to the early warning information; and adjusting the early warning condition of the target account according to the feedback information.
In one embodiment, the determining whether the target transaction meets the warning condition of the target account by adopting an authentication warning verification method for the target transaction according to the characteristic data of the target transaction includes: determining whether the target transaction involves authentication according to the characteristic data of the target transaction, wherein the authentication comprises: telephone number verification and identity card number verification; under the condition that the target transaction is determined to involve identity verification, acquiring the occurrence place of the target transaction, the attribution place of the verified telephone number and the attribution place of the verified identity card number; judging whether the target transaction meets the early warning condition of the target account or not according to the place of occurrence of the target transaction, the attribution of the verified telephone number, the attribution of the verified identity card number and the early warning condition of the target account; wherein the early warning condition comprises: and under the condition that the target transaction relates to identity authentication, sending early warning information to the target user when the occurrence place of the target transaction, the attribution place of the authenticated telephone number and the attribution place of the authenticated identity card number are different.
In one embodiment, the determining whether the target transaction meets the warning condition of the target account by adopting a warning verification manner of abnormal account detection for the target transaction according to the characteristic data of the target transaction includes: determining an account involved in the target transaction according to the characteristic data of the target transaction; obtaining historical transaction data of an account involved in the target transaction; determining an associated account related to the target transaction according to historical transaction data of the account related to the target transaction; judging whether the target transaction meets the early warning condition of the target account or not according to the account related to the target transaction, the associated account related to the target transaction and the early warning condition of the target account; wherein the early warning condition comprises: and sending early warning information to the target user when the account involved in the target transaction and/or the associated account is an abnormal account.
In one embodiment, the determining whether the target transaction meets the warning condition of the target account by adopting a warning verification mode of account transaction habit verification for the target transaction according to the characteristic data of the target transaction includes: acquiring historical transaction data of the target account; determining transaction habit information of the target account according to historical transaction data of the target account; judging whether the target transaction meets the early warning condition of the target account or not according to the habit information of the target account, the characteristic data of the target transaction and the early warning condition; wherein the early warning condition comprises: and sending early warning information to the target user under the condition that the target transaction does not conform to the habit information of the target account.
In one embodiment, the determining whether the target transaction meets the warning condition of the target account by adopting an authentication warning verification method for the target transaction according to the characteristic data of the target transaction includes: determining whether the identity authentication fails when the current user initiates the target transaction according to the characteristic data of the target transaction; determining the number of times of the current user authentication failure under the condition of determining existence; judging whether the target transaction meets the early warning condition of the target account or not according to the number of times of the current user identity authentication failure and the early warning condition; wherein the early warning condition comprises: and sending early warning information to the target user under the condition that the number of times of the current user identity authentication failure is greater than or equal to a preset threshold value.
In one embodiment, the determining whether the target transaction meets the warning condition of the target account by adopting an authentication warning verification method for the target transaction according to the characteristic data of the target transaction includes: determining whether the target transaction relates to a reserved mobile phone number or not according to the characteristic data of the target transaction; under the condition that the target transaction is determined to be related to the target transaction, acquiring a telephone number of a target processing object corresponding to the target transaction from a preset database; judging whether the target transaction meets the early warning condition of the target account or not according to the reserved mobile phone number, the phone number of the target processing object and the early warning condition; wherein the early warning condition comprises: and under the condition that the reserved mobile phone number is consistent with the mobile phone number of the target processing object, sending early warning information to preset internal control personnel, and not sending the early warning information to the target user.
In one embodiment, determining whether to send warning information to a target user corresponding to the target account according to the characteristic data of the target transaction and the warning condition of the target account includes: determining whether the target transaction needs target processing object review or not under the condition that the target transaction is a transfer transaction; under the condition that the target processing object is determined to be required to be checked, acquiring the name of a user who transfers the target transaction into an account and the name of the target processing object; judging whether the target transaction meets the early warning condition of the target account or not according to the name of the user of the target transaction transferred into the account, the name of the target processing object and the early warning condition; wherein the early warning condition comprises: and under the condition that the name of the user who is transferred into the account of the target transaction is consistent with the name of the target processing object, sending early warning information to preset internal control personnel, and not sending the early warning information to the target user.
In one embodiment, the characteristic data of the target transaction includes at least one of: the place where the transaction occurred, the time when the transaction occurred, the type of transaction, the amount of the transaction, the account involved in the transaction, the authentication result of the transaction, the channel of the transaction.
The embodiment of the present application further provides a transaction early warning device, including: the acquisition module is used for acquiring characteristic data of a target transaction initiated by a current user through a target account; the determining module is used for judging whether the target transaction meets the early warning condition of the target account or not by adopting at least one early warning verification mode of identity verification, abnormal account detection and account transaction habit verification on the target transaction according to the characteristic data of the target transaction; the sending module is used for sending early warning information to the target user under the condition that the target transaction meets the early warning condition; the receiving module is used for receiving feedback information of the target user to the early warning information; and the adjusting module is used for adjusting the early warning condition of the target account according to the feedback information.
The embodiment of the application also provides transaction early warning equipment, which comprises a processor and a memory for storing processor executable instructions, wherein the processor executes the instructions to realize the steps of the transaction early warning method.
Embodiments of the present application also provide a computer-readable storage medium having stored thereon computer instructions, which when executed, implement the steps of the transaction early warning method.
The embodiment of the application provides a transaction early warning method, which can judge whether a target transaction meets the early warning condition of a target account by acquiring characteristic data of the target transaction initiated by a current user through the target account and adopting at least one early warning verification mode of identity verification, abnormal account detection and account transaction habit verification on the target transaction according to the characteristic data of the target transaction. And sending early warning information to the target user when the target transaction meets the early warning condition, so that the target transaction can be monitored in real time, the target user can be reminded in time when the early warning condition is met, and the safety of the account is effectively improved. Furthermore, feedback information of the target user on the early warning information can be received, and the early warning condition of the target account can be adjusted according to the feedback information, so that the accuracy of transaction early warning can be further improved.
Drawings
The accompanying drawings, which are included to provide a further understanding of the application, are incorporated in and constitute a part of this application, and are not intended to limit the application. In the drawings:
fig. 1 is a schematic diagram of a transaction early warning system provided according to an embodiment of the present application;
FIG. 2 is a schematic diagram illustrating steps of a transaction warning method according to an embodiment of the present application;
fig. 3 is a schematic structural diagram of a transaction early warning device provided according to an embodiment of the present application;
fig. 4 is a schematic structural diagram of a transaction early warning device provided according to an embodiment of the present application.
Detailed Description
The principles and spirit of the present application will be described with reference to a number of exemplary embodiments. It should be understood that these embodiments are given solely for the purpose of enabling those skilled in the art to better understand and to practice the present application, and are not intended to limit the scope of the present application in any way. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the disclosure to those skilled in the art.
As will be appreciated by one skilled in the art, embodiments of the present application may be embodied as a system, apparatus, device, method or computer program product. Accordingly, the present disclosure may be embodied in the form of: entirely hardware, entirely software (including firmware, resident software, micro-code, etc.), or a combination of hardware and software.
Although the flow described below includes operations that occur in a particular order, it should be appreciated that the processes may include more or less operations that are performed sequentially or in parallel (e.g., using parallel processors or a multi-threaded environment).
The present application provides a transaction early warning system, as shown in fig. 1, which may include: the system comprises a terminal device 101 and a server 102, wherein a user can initiate a request for logging in an account in the system through the terminal device 101, the server 102 can respond to a transaction request initiated by the current user, acquire characteristic data of a target transaction initiated by the current user through a target account, and judge whether the target transaction meets an early warning condition of the target account by adopting at least one early warning verification mode of identity verification, abnormal account detection and account transaction habit verification on the target transaction according to the characteristic data of the target transaction, so that early warning information is sent to the target user with the target account in time under the condition of meeting the early warning condition to ensure the safety of the account.
The terminal device 101 may be a terminal device or software used by a user. Specifically, the terminal device may be a terminal device such as a bank counter, an ATM, a smart phone, a tablet computer, a laptop computer, a desktop computer, a smart watch, or other wearable devices, or may be a robot device. Of course, the terminal apparatus 101 may be software that can be run in the above terminal apparatus. For example: application software such as bank system application, payment application, browser and the like.
The server 102 may be a single server or a server cluster, and the bank server 102 may be connected to a plurality of terminal devices, or may be a server having a strong database, and performs security protection on an account based on a transaction operation performed by a current user.
Based on the transaction early warning system, an embodiment of the present invention provides a transaction early warning method, as shown in fig. 2, which may include the following steps:
s201: and acquiring characteristic data of the target transaction initiated by the current user through the target account.
The current user may initiate a target transaction request through the target account, and the server may obtain characteristic data of the target transaction in response to the target transaction request initiated by the current user. In an embodiment, the current user may initiate the target transaction through a channel such as a bank counter, an ATM, a mobile phone bank, a payment application, a web browser, and the like, and it is understood that the current user may also initiate the target transaction through other possible channels, which may be determined according to practical situations, and the application is not limited thereto.
The target transaction may include at least one of: opening an account, transferring accounts, cashing, depositing, purchasing financing products and the like, wherein the characteristic data can comprise at least one of the following data: the place where the transaction occurred, the time when the transaction occurred, the type of transaction, the amount of the transaction, the account involved in the transaction, the authentication result of the transaction, the channel of the transaction. The current user may be a user (target user) of the target account in some cases, or may also be a user who illegally steals the target account in some cases, which may be determined specifically according to an actual situation, and the present application does not limit this.
S202: and judging whether the target transaction meets the early warning condition of the target account or not by adopting at least one early warning verification mode of identity verification, abnormal account detection and account transaction habit verification on the target transaction according to the characteristic data of the target transaction.
Because some habitual operations or commonalities exist among transactions when a holder of a target account uses the target account to conduct transactions, at least one early warning verification mode of identity verification, abnormal account detection and account transaction habit verification can be adopted for the target transactions according to characteristic data of the target transactions to judge whether the target transactions meet early warning conditions of the target account, and the early warning conditions can be used for judging whether the safety of the target account is threatened.
In one embodiment, different accounts have different characteristics, so that different early warning conditions can be determined for different accounts by adopting a clustering analysis or machine learning method according to historical transaction data of each account, and whether early warning information needs to be sent to a target user or not can be judged more accurately.
In one embodiment, since there is a case that a lawbreaker steals identity information of another person, such as an identity card, to open an account, an early warning verification method of identity verification may be adopted for a target transaction according to feature data of the target transaction, and whether the target transaction meets an early warning condition of a target account may be determined, specifically, whether the target transaction relates to identity verification may be determined according to the feature data of the target transaction, where the identity verification includes: telephone number verification and identification number verification. In the case where it is determined that the target transaction involves authentication, the venue of the target transaction, the home location of the authenticated telephone number, and the home location of the authenticated identification number may be obtained.
Further, whether the target transaction meets the early warning condition of the target account can be judged according to the occurrence place of the target transaction, the attribution place of the verified telephone number, the attribution place of the verified identity card number and the early warning condition of the target account. Wherein, the above-mentioned early warning condition may include: and under the condition that the target transaction relates to identity authentication, sending early warning information to the target user when the occurrence place of the target transaction, the attribution place of the authenticated telephone number and the attribution place of the authenticated identity card number are different. That is, when the target transaction involves identity authentication, and the occurrence location of the target transaction, the attribution location of the authenticated phone number, and the attribution location of the authenticated identity card number are all different, it means that the target account is likely to be stolen by a lawbreaker, and at this time, it is necessary to send warning information to the target user.
In one embodiment, an early warning verification mode of abnormal account detection can be adopted for the target transaction according to the characteristic data of the target transaction, and whether the target transaction meets the early warning condition of the target account or not is judged. Specifically, the account involved in the target transaction may be determined according to the characteristic data of the target transaction, where the account involved in the target transaction may be an account of both parties of the transaction, for example: destination account, transferred account, etc. Further, historical transaction data of an account involved in the target transaction may be obtained, and an associated account with the account involved in the target transaction may be determined according to the historical transaction data of the account involved in the target transaction. The associated account of the target account may be an account having a binding relationship with the target account, an account having a single transaction amount greater than a preset threshold value with the target account, or an account having frequent transaction with the target account, and of course, other possible ways may also be adopted to determine the associated account, which may be specifically determined according to actual conditions, and the application does not limit this.
Further, whether the target transaction meets the early warning condition of the target account can be judged according to the account related to the target transaction, the associated account related to the target transaction and the early warning condition of the target account. Wherein, the above-mentioned early warning condition may include: and sending early warning information to the target user when the account and the associated account related to the target transaction are abnormal accounts or the account related to the target account and the associated account are both abnormal accounts. Whether any one of the account related to the target transaction and the account related to the target transaction is an abnormal account or not can be judged according to historical abnormal account information stored in a preset database, and under the condition that the account is determined to be the abnormal account, the target transaction is shown to have certain risks. The abnormal account may be: there were accounts, blackhouses, money laundering accounts, etc. for anomalous transactions.
In one embodiment, an early warning verification mode of account transaction habit verification can be adopted for the target transaction according to the characteristic data of the target transaction, and whether the target transaction meets the early warning condition of the target account or not is judged. Specifically, historical transaction data of the target account can be obtained, and transaction habit information of the target account is determined according to the historical transaction data of the target account. The transaction habit information of the target account may include at least one of the following: common transaction channels, average and maximum values of historical transaction amounts, historical transaction times, common transaction locations, and the like.
Further, whether the target transaction meets the early warning condition of the target account or not can be judged according to the habit information of the target account, the characteristic data of the target transaction and the early warning condition. Wherein, the above-mentioned early warning condition may include: and sending early warning information to the target user under the condition that the target transaction does not accord with the habit information of the target account. The habit information that the target transaction does not conform to the target account can be that the characteristic data of the target transaction is different from or has a larger difference with the transaction habit of the target account, and the characteristic data of the target transaction can be determined according to actual conditions. For example: in a specific scenario, the habit information of the target account is as follows: the common transaction place is Shanghai, the target transaction place is in the United states, the target transaction place is far away from the common transaction place of the target account, and the target transaction possibly has certain risks and needs to be prompted to a target user.
In one embodiment, an early warning verification mode of identity verification can be adopted for the target transaction according to the characteristic data of the target transaction, and whether the target transaction meets the early warning condition of the target account or not is judged. Specifically, whether the identity authentication fails when the current user initiates the target transaction can be determined according to the characteristic data of the target transaction, that is, whether the provincial authentication fails such as a password input error, a reserved mobile phone number filling error, an identity card number input error and the like exist when the current user logs in the target account. In the case where the presence is determined, the number of times the current user authentication fails may be further determined.
Further, whether the target transaction meets the early warning condition of the target account or not can be judged according to the number of times of failure of the current user identity authentication and the early warning condition. Wherein, the early warning condition includes: and sending early warning information to the target user under the condition that the number of times of the current user identity authentication failure is greater than or equal to a preset threshold value. If the number of times of the authentication failure of the current user is greater than or equal to the preset threshold, it means that the current user may not be the holder of the target account, that is, the information of the target account may be stolen, and at this time, the warning information needs to be sent to the target user. The preset threshold may be a positive integer greater than 1, for example: 3. 5, 6, etc., which can be determined according to practical situations, and the application is not limited to this.
In one embodiment, an early warning verification mode of identity verification can be adopted for the target transaction according to the characteristic data of the target transaction, and whether the target transaction meets the early warning condition of the target account or not is judged. Specifically, whether the target transaction relates to a reserved mobile phone number or not can be determined according to the characteristic data of the target transaction. For example, when a user makes an account, modifies a password, modifies a reserved mobile phone number, and transfers a large amount of money, the user needs to set the reserved mobile phone number or provide the reserved mobile phone number. In the case of determining to involve, the telephone number of the target processing object corresponding to the target transaction may be acquired from a preset database. The target processing object may be a staff handling a target transaction or all staff of a bank, and may be determined specifically according to an actual situation, which is not limited in the present application.
Since there may be a risk that the target transaction exists because the internal staff modifies the mobile phone number reserved by the user into the mobile phone number of the internal staff, further, whether the target transaction meets the early warning condition of the target account can be judged according to the reserved mobile phone number, the phone number of the target processing object and the early warning condition. Wherein, the above-mentioned early warning condition includes: and under the condition that the reserved mobile phone number is consistent with the mobile phone number of the target processing object, sending early warning information to preset internal control personnel, and not sending the early warning information to the target user. The internal control personnel can be related monitoring personnel in the bank, and the internal control personnel can verify the early warning information after receiving the early warning information.
In one embodiment, whether the early warning information needs to be sent to the target user corresponding to the target account can be determined according to the characteristic data of the target transaction and the early warning condition of the target account. Specifically, it may be determined whether the target transaction requires review by a target processing object when the target transaction is a transfer transaction, where the target processing object may be a worker who processes the target transaction. In the case that the target processing object is determined to be needed to be audited, the name of the user who is transferred to the account of the target transaction and the name of the target processing object can be obtained.
And judging whether the target transaction meets the early warning condition of the target account or not according to the name of the user who transfers the target transaction into the account, the name of the target processing object and the early warning condition. Wherein, the above-mentioned early warning condition may include: and under the condition that the name of the user who is transferred into the account of the target transaction is consistent with the name of the target processing object, sending early warning information to preset internal control personnel, and not sending the early warning information to the target user. Under the condition that the name of the user who transfers the target transaction into the account is consistent with the name of the target processing object, the situation that the target processing object modifies the information of the target transaction in the auditing process is shown, and at the moment, the target transaction possibly has certain risk and needs further auditing by internal control personnel according to the early warning information. Since the above-described situation involves an internal management problem, it is possible in some cases to determine whether it is necessary to send warning information to the target user after the verification by the in-control person.
S203: and sending early warning information to the target user under the condition that the target transaction meets the early warning condition.
And under the condition that the target transaction meets the early warning condition, the target transaction is shown to have certain risk, and early warning information needs to be sent to a target user, wherein the target user is a holder of the target account. Wherein, the above-mentioned early warning information may include: the characteristic information of the target transaction and the risk related to the target transaction may, in some cases, further include: precautions that may be taken. For example: your account is logged in other places in Shanghai in 2019, 6 and 1, and whether the account is logged in for oneself is confirmed, if not, the password is required to be modified in time.
In one embodiment, the warning information may be sent to the target user by phone, short message, mail, or the like according to information such as a phone number, an email, or the like reserved when the target account is registered, and certainly, the warning information may be sent to the target user by other possible ways, which may be determined specifically according to actual conditions.
S204: and receiving feedback information of the target user to the early warning information.
After the early warning information is sent to the target user, feedback information of the target user to the early warning information can be received so as to verify whether the abnormity of the target transaction is true. The feedback information may be: the target transaction can be normally carried out when the early warning information is not in fact, or the target transaction needs to be suspended when the early warning information is in fact, and the target user can feed back the early warning information in the modes of short messages, telephones, mails and the like.
S205: and adjusting the early warning condition of the target account according to the feedback information.
After feedback information sent by a target user is received, the early warning condition of the target account can be adjusted to improve the accuracy of early warning verification. In one embodiment, if the feedback information sent by the target user is that the early warning information does not pertain to the target transaction and can be normally performed, the early warning condition of the target account may be relaxed, for example: the early warning information is that the account is logged in other places in the Shanghai in 2019, 6 and 1, and whether the account is logged in by the user is confirmed, if the user does not confirm that the user logs in by the user in time, the early warning condition of the target account is modified so that the target account does not need to send early warning information when logging in the Shanghai next time.
Further, if the feedback information sent by the target user is that the early warning information really belongs to and needs to suspend the target transaction, the strictness of the early warning verification on the target account can be correspondingly improved. For example: the early warning information is that the account is logged in different places in the Shanghai in 2019, 6 and 1, and whether the account is logged in by the user is confirmed, if the password is not required to be modified in time, if the user is confirmed not to be logged in by the user, the early warning condition is modified so that the early warning information is sent to the target user under the condition that the target account is logged in different places each time.
From the above description, it can be seen that the embodiments of the present application achieve the following technical effects: the method can judge whether the target transaction meets the early warning condition of the target account by acquiring the characteristic data of the target transaction initiated by the current user through the target account and adopting at least one early warning verification mode of identity verification, abnormal account detection and account transaction habit verification on the target transaction according to the characteristic data of the target transaction. And sending early warning information to the target user when the target transaction meets the early warning condition, so that the target transaction can be monitored in real time, the target user can be reminded in time when the early warning condition is met, and the safety of the account is effectively improved. Furthermore, feedback information of the target user on the early warning information can be received, and the early warning condition of the target account can be adjusted according to the feedback information, so that the accuracy of transaction early warning can be further improved.
Based on the same inventive concept, the embodiment of the present application further provides a transaction early warning device, as in the following embodiments. Because the principle of the transaction early warning device for solving the problems is similar to that of the transaction early warning method, the implementation of the transaction early warning device can refer to the implementation of the transaction early warning method, and repeated parts are not repeated. As used hereinafter, the term "unit" or "module" may be a combination of software and/or hardware that implements a predetermined function. Although the means described in the embodiments below are preferably implemented in software, an implementation in hardware, or a combination of software and hardware is also possible and contemplated. Fig. 3 is a block diagram of a structure of a transaction warning apparatus according to an embodiment of the present application, as shown in fig. 3, the apparatus may include: the following describes the structure of the apparatus including an acquisition module 301, a determination module 302, a transmission module 303, a reception module 304, and an adjustment module 305.
The obtaining module 301 may be configured to obtain feature data of a target transaction initiated by a current user through a target account.
The determining module 302 may be configured to determine whether the target transaction meets an early warning condition of the target account by using at least one early warning verification manner of identity verification, abnormal account detection, and account transaction habit verification for the target transaction according to the feature data of the target transaction.
The sending module 303 may be configured to send the warning information to the target user when it is determined that the target transaction meets the warning condition.
The receiving module 304 may be configured to receive feedback information of the target user on the warning information.
The adjusting module 305 may be configured to adjust the warning condition of the target account according to the feedback information.
The embodiment of the present application further provides an electronic device, which may specifically refer to a schematic structural diagram of the electronic device based on the transaction early warning method provided in the embodiment of the present application shown in fig. 4, and the electronic device may specifically include an input device 41, a processor 42, and a memory 43. The input device 41 may be specifically configured to input feature data of a target transaction initiated by a current user through a target account. The processor 42 may be specifically configured to obtain feature data of a target transaction initiated by a current user through a target account; judging whether the target transaction meets the early warning condition of the target account or not by adopting at least one early warning verification mode of identity verification, abnormal account detection and account transaction habit verification on the target transaction according to the characteristic data of the target transaction; sending early warning information to a target user under the condition that the target transaction meets the early warning condition; receiving feedback information of the target user to the early warning information; and adjusting the early warning condition of the target account according to the feedback information. The memory 43 may be specifically configured to store parameters such as feedback information of the warning information and warning conditions of the target account.
In this embodiment, the input device may be one of the main apparatuses for information exchange between a user and a computer system. The input devices may include a keyboard, mouse, camera, scanner, light pen, handwriting input panel, voice input device, etc.; the input device is used to input raw data and a program for processing the data into the computer. The input device can also acquire and receive data transmitted by other modules, units and devices. The processor may be implemented in any suitable way. For example, a processor may take the form of, for example, a microprocessor or processor and a computer-readable medium that stores computer-readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, an Application Specific Integrated Circuit (ASIC), a programmable logic controller, an embedded microcontroller, and so forth. The memory may in particular be a memory device used in modern information technology for storing information. The memory may include multiple levels, and in a digital system, memory may be used as long as binary data can be stored; in an integrated circuit, a circuit without a physical form and with a storage function is also called a memory, such as a RAM, a FIFO and the like; in the system, the storage device in physical form is also called a memory, such as a memory bank, a TF card and the like.
In this embodiment, the functions and effects specifically realized by the electronic device can be explained by comparing with other embodiments, and are not described herein again.
The embodiment of the present application further provides a computer storage medium based on a transaction early warning method, where the computer storage medium stores computer program instructions, and when the computer program instructions are executed, the computer storage medium may implement: acquiring characteristic data of a target transaction initiated by a current user through a target account; judging whether the target transaction meets the early warning condition of the target account or not by adopting at least one early warning verification mode of identity verification, abnormal account detection and account transaction habit verification on the target transaction according to the characteristic data of the target transaction; sending early warning information to a target user under the condition that the target transaction meets the early warning condition; receiving feedback information of the target user to the early warning information; and adjusting the early warning condition of the target account according to the feedback information.
In the present embodiment, the storage medium includes, but is not limited to, a Random Access Memory (RAM), a Read-Only Memory (ROM), a Cache (Cache), a Hard disk (HDD), or a Memory Card (Memory Card). The memory may be used to store computer program instructions. The network communication unit may be an interface for performing network connection communication, which is set in accordance with a standard prescribed by a communication protocol.
In this embodiment, the functions and effects specifically realized by the program instructions stored in the computer storage medium can be explained by comparing with other embodiments, and are not described herein again.
It will be apparent to those skilled in the art that the modules or steps of the embodiments of the present application described above may be implemented by a general purpose computing device, they may be centralized on a single computing device or distributed across a network of multiple computing devices, and alternatively, they may be implemented by program code executable by a computing device, such that they may be stored in a storage device and executed by a computing device, and in some cases, the steps shown or described may be performed in an order different from that described herein, or they may be separately fabricated into individual integrated circuit modules, or multiple ones of them may be fabricated into a single integrated circuit module. Thus, embodiments of the present application are not limited to any specific combination of hardware and software.
Although the present application provides method steps as described in the above embodiments or flowcharts, additional or fewer steps may be included in the method, based on conventional or non-inventive efforts. In the case of steps where no necessary causal relationship exists logically, the order of execution of the steps is not limited to that provided by the embodiments of the present application. When the method is executed in an actual device or end product, the method can be executed sequentially or in parallel according to the embodiment or the method shown in the figure (for example, in the environment of a parallel processor or a multi-thread processing).
It is to be understood that the above description is intended to be illustrative, and not restrictive. Many embodiments and many applications other than the examples provided will be apparent to those of skill in the art upon reading the above description. The scope of the application should, therefore, be determined not with reference to the above description, but instead should be determined with reference to the pending claims along with the full scope of equivalents to which such claims are entitled.
The above description is only a preferred embodiment of the present application and is not intended to limit the present application, and it will be apparent to those skilled in the art that various modifications and variations can be made in the embodiment of the present application. Any modification, equivalent replacement, improvement and the like made within the spirit and principle of the present application shall be included in the protection scope of the present application.
Claims (11)
1. A transaction early warning method, comprising:
acquiring characteristic data of a target transaction initiated by a current user through a target account;
adopting at least one early warning verification mode of identity verification, abnormal account detection and account transaction habit verification to the target transaction according to the characteristic data of the target transaction to judge whether the target transaction meets the early warning condition of the target account;
sending early warning information to the target user under the condition that the target transaction meets the early warning condition;
receiving feedback information of the target user to the early warning information;
and adjusting the early warning condition of the target account according to the feedback information.
2. The method of claim 1, wherein determining whether the target transaction meets the warning condition of the target account by adopting a warning verification manner of identity verification for the target transaction according to the characteristic data of the target transaction comprises:
determining whether the target transaction involves authentication according to the characteristic data of the target transaction, wherein the authentication comprises: telephone number verification and identity card number verification;
under the condition that the target transaction is determined to involve identity verification, acquiring the occurrence place of the target transaction, the attribution place of the verified telephone number and the attribution place of the verified identity card number;
judging whether the target transaction meets the early warning condition of the target account or not according to the place of occurrence of the target transaction, the attribution of the verified telephone number, the attribution of the verified identity card number and the early warning condition of the target account; wherein the early warning condition comprises: and under the condition that the target transaction relates to identity authentication, sending early warning information to the target user when the occurrence place of the target transaction, the attribution place of the authenticated telephone number and the attribution place of the authenticated identity card number are different.
3. The method according to claim 1, wherein the step of judging whether the target transaction meets the early warning condition of the target account by adopting an early warning verification mode of abnormal account detection for the target transaction according to the characteristic data of the target transaction comprises the following steps:
determining an account involved in the target transaction according to the characteristic data of the target transaction;
obtaining historical transaction data of an account involved in the target transaction;
determining an associated account related to the target transaction according to historical transaction data of the account related to the target transaction;
judging whether the target transaction meets the early warning condition of the target account or not according to the account related to the target transaction, the associated account related to the target transaction and the early warning condition of the target account; wherein the early warning condition comprises: and sending early warning information to the target user when the account involved in the target transaction and/or the associated account is an abnormal account.
4. The method according to claim 1, wherein the step of judging whether the target transaction meets the early warning condition of the target account by adopting an early warning verification mode of account transaction habit verification on the target transaction according to the characteristic data of the target transaction comprises the following steps:
acquiring historical transaction data of the target account;
determining transaction habit information of the target account according to historical transaction data of the target account;
judging whether the target transaction meets the early warning condition of the target account or not according to the habit information of the target account, the characteristic data of the target transaction and the early warning condition; wherein the early warning condition comprises: and sending early warning information to the target user under the condition that the target transaction does not conform to the habit information of the target account.
5. The method of claim 1, wherein determining whether the target transaction meets the warning condition of the target account by adopting a warning verification manner of identity verification for the target transaction according to the characteristic data of the target transaction comprises:
determining whether the identity authentication fails when the current user initiates the target transaction according to the characteristic data of the target transaction;
determining the number of times of the current user authentication failure under the condition of determining existence;
judging whether the target transaction meets the early warning condition of the target account or not according to the number of times of the current user identity authentication failure and the early warning condition; wherein the early warning condition comprises: and sending early warning information to the target user under the condition that the number of times of the current user identity authentication failure is greater than or equal to a preset threshold value.
6. The method of claim 1, wherein determining whether the target transaction meets the warning condition of the target account by adopting a warning verification manner of identity verification for the target transaction according to the characteristic data of the target transaction comprises:
determining whether the target transaction relates to a reserved mobile phone number or not according to the characteristic data of the target transaction;
under the condition that the target transaction is determined to be related to the target transaction, acquiring a telephone number of a target processing object corresponding to the target transaction from a preset database;
judging whether the target transaction meets the early warning condition of the target account or not according to the reserved mobile phone number, the phone number of the target processing object and the early warning condition; wherein the early warning condition comprises: and under the condition that the reserved mobile phone number is consistent with the mobile phone number of the target processing object, sending early warning information to preset internal control personnel, and not sending the early warning information to the target user.
7. The method of claim 1, wherein determining whether warning information needs to be sent to a target user corresponding to the target account according to the characteristic data of the target transaction and the warning condition of the target account comprises:
determining whether the target transaction needs target processing object review or not under the condition that the target transaction is a transfer transaction;
under the condition that the target processing object is determined to be required to be checked, acquiring the name of a user who transfers the target transaction into an account and the name of the target processing object;
judging whether the target transaction meets the early warning condition of the target account or not according to the name of the user of the target transaction transferred into the account, the name of the target processing object and the early warning condition; wherein the early warning condition comprises: and under the condition that the name of the user who is transferred into the account of the target transaction is consistent with the name of the target processing object, sending early warning information to preset internal control personnel, and not sending the early warning information to the target user.
8. The method of claim 1, wherein the characteristic data of the target transaction comprises at least one of: the place where the transaction occurred, the time when the transaction occurred, the type of transaction, the amount of the transaction, the account involved in the transaction, the authentication result of the transaction, the channel of the transaction.
9. A transaction advance warning device, comprising:
the acquisition module is used for acquiring characteristic data of a target transaction initiated by a current user through a target account;
the determining module is used for judging whether the target transaction meets the early warning condition of the target account or not by adopting at least one early warning verification mode of identity verification, abnormal account detection and account transaction habit verification on the target transaction according to the characteristic data of the target transaction;
the sending module is used for sending early warning information to the target user under the condition that the target transaction meets the early warning condition;
the receiving module is used for receiving feedback information of the target user to the early warning information;
and the adjusting module is used for adjusting the early warning condition of the target account according to the feedback information.
10. A transaction advance warning device comprising a processor and a memory for storing processor-executable instructions which, when executed by the processor, carry out the steps of the method of any one of claims 1 to 8.
11. A computer-readable storage medium having stored thereon computer instructions which, when executed, implement the steps of the method of any one of claims 1 to 8.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201911406535.8A CN111127030A (en) | 2019-12-31 | 2019-12-31 | Transaction early warning method, device and equipment |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201911406535.8A CN111127030A (en) | 2019-12-31 | 2019-12-31 | Transaction early warning method, device and equipment |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN111127030A true CN111127030A (en) | 2020-05-08 |
Family
ID=70506076
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201911406535.8A Pending CN111127030A (en) | 2019-12-31 | 2019-12-31 | Transaction early warning method, device and equipment |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN111127030A (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111738723A (en) * | 2020-07-04 | 2020-10-02 | 广州云智通讯科技有限公司 | Online secure transaction method and device and readable storage medium |
| CN111754237A (en) * | 2020-06-24 | 2020-10-09 | 中国银行股份有限公司 | Verification method and device for transfer transaction |
| CN113240525A (en) * | 2021-05-31 | 2021-08-10 | 中国银行股份有限公司 | Transaction processing method, device, server and readable storage medium |
Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106251214A (en) * | 2016-08-02 | 2016-12-21 | 东软集团股份有限公司 | account monitoring method and device |
| CN108682088A (en) * | 2018-05-14 | 2018-10-19 | 平安科技（深圳）有限公司 | ATM-based cross-border abnormal transaction determination method and device |
| CN109034821A (en) * | 2018-06-29 | 2018-12-18 | 深圳春沐源控股有限公司 | transaction monitoring method and monitoring device, storage medium and server |
| EP3528192A4 (en) * | 2016-10-31 | 2019-08-21 | Huawei Technologies Co., Ltd. | Transaction method, payment device, verification device and server |
| CN110163618A (en) * | 2019-05-31 | 2019-08-23 | 深圳前海微众银行股份有限公司 | Extremely detection method, device, equipment and the computer readable storage medium traded |
-
2019
- 2019-12-31 CN CN201911406535.8A patent/CN111127030A/en active Pending
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106251214A (en) * | 2016-08-02 | 2016-12-21 | 东软集团股份有限公司 | account monitoring method and device |
| EP3528192A4 (en) * | 2016-10-31 | 2019-08-21 | Huawei Technologies Co., Ltd. | Transaction method, payment device, verification device and server |
| CN108682088A (en) * | 2018-05-14 | 2018-10-19 | 平安科技（深圳）有限公司 | ATM-based cross-border abnormal transaction determination method and device |
| CN109034821A (en) * | 2018-06-29 | 2018-12-18 | 深圳春沐源控股有限公司 | transaction monitoring method and monitoring device, storage medium and server |
| CN110163618A (en) * | 2019-05-31 | 2019-08-23 | 深圳前海微众银行股份有限公司 | Extremely detection method, device, equipment and the computer readable storage medium traded |
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111754237A (en) * | 2020-06-24 | 2020-10-09 | 中国银行股份有限公司 | Verification method and device for transfer transaction |
| CN111754237B (en) * | 2020-06-24 | 2023-08-11 | 中国银行股份有限公司 | Verification method and device for transfer transaction |
| CN111738723A (en) * | 2020-07-04 | 2020-10-02 | 广州云智通讯科技有限公司 | Online secure transaction method and device and readable storage medium |
| CN111738723B (en) * | 2020-07-04 | 2021-01-29 | 和宇健康科技股份有限公司 | Online secure transaction method and device and readable storage medium |
| CN113240525A (en) * | 2021-05-31 | 2021-08-10 | 中国银行股份有限公司 | Transaction processing method, device, server and readable storage medium |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN111127030A (en) | Transaction early warning method, device and equipment | |
| US9230066B1 (en) | Assessing risk for third-party data collectors | |
| US11652905B2 (en) | Systems and methods for controlling real-time traffic surge of application programming interfaces (APIs) at server | |
| CN101770669A (en) | Bank automatic warning system and method thereof | |
| US10713657B2 (en) | Systems and methods for estimating authenticity of local network of device initiating remote transaction | |
| CN111178890A (en) | Account protection method, device and equipment | |
| US11379591B2 (en) | Methods and devices for user authorization | |
| EP2575099A1 (en) | Electronic funds transfer | |
| CN108616429A (en) | A kind of reconnection method and equipment of Push Service | |
| US11172364B1 (en) | Threat identification, prevention, and remedy | |
| CN110874743A (en) | Method and device for determining account transaction risk | |
| GB2601165A (en) | Transaction verification | |
| CN110930161A (en) | Method for determining operation time of business operation and self-service business operation equipment | |
| CN112948499A (en) | Information acquisition method and device, electronic equipment and storage medium | |
| CN101488256B (en) | Counter employee identity authentication system and method | |
| US20230046813A1 (en) | Selecting communication schemes based on machine learning model predictions | |
| CN113836509A (en) | Information acquisition method and device, electronic equipment and storage medium | |
| CN110955884B (en) | Method and device for determining upper limit times of password trial and error | |
| US20220398310A1 (en) | Sftp batch processing and credentials api for offline fraud assessment | |
| CN104021351A (en) | Method and device for data resource access | |
| CN108063665A (en) | Communication means and terminal device | |
| CN113242257A (en) | Unauthorized vulnerability detection method, device, equipment and storage medium | |
| CN107909370B (en) | Multiple safety control method and system for electronic payment platform | |
| CN103685146A (en) | Data processing device and data processing method for safety information interaction | |
| CN111881433B (en) | Resource transfer method and device based on verification gesture and computer equipment |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20200508 |
|
| RJ01 | Rejection of invention patent application after publication |