CN111539736B - Transaction monitoring method and related device - Google Patents
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- 238000000034 method Methods 0.000 title claims abstract description 56
- 238000012544 monitoring process Methods 0.000 title claims abstract description 45
- 238000012795 verification Methods 0.000 claims abstract description 34
- 230000007774 longterm Effects 0.000 claims description 15
- 238000012806 monitoring device Methods 0.000 claims description 13
- 208000007443 Neurasthenia Diseases 0.000 description 3
- 206010003549 asthenia Diseases 0.000 description 3
- 208000001613 Gambling Diseases 0.000 description 2
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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- G—PHYSICS
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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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
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Abstract
The application provides a transaction monitoring method and a related device, wherein the method comprises the following steps: monitoring transaction flow records of a target bank account in real time; if the increase rate of the transaction times of the target bank account is monitored to be larger than the preset increase rate, counting the transaction times of the target bank account and each collection account within a first preset time length; wherein: each of the collection accounts refers to: the target bank account recorded in the transaction flow record is a collection account for carrying out transaction within the first preset time length; determining a collection account with the transaction times with the target bank account being greater than the preset times within the first preset time length as a target collection account; prohibiting the target bank account from trading with the target collection account, and prompting a user of the target bank account to perform identity verification; and if the user passes the identity verification, allowing the target bank account to continue to conduct transaction with the target collection account.
Description
Technical Field
The present disclosure relates to the field of transaction monitoring technologies, and in particular, to a method and an apparatus for monitoring a transaction.
Background
With the development of economy, people consume more and more, especially in the current network age, online shopping and online payment are more convenient for people to trade.
When transferring accounts, the most critical is the security problem, so the transaction of the bank account needs to be monitored in real time, so that illegal transaction transfer between the bank account and other accounts can be timely found and limited, and the security problems such as theft of the bank account of the user, theft of information of the bank account and the like are avoided.
However, currently, there are frequent occurrences of non-voluntary human consumption, which can cause economic losses to individuals and families. For example, underage children use a parent's bank account, without the parent's knowledge, a large amount of virtual currency is charged or other irrational consumption is performed, and irrational consumption acts such as a molarity donation from a patient with neurasthenia. However, the present transaction monitoring methods mainly aim at the security and legitimacy of the transaction, so the transaction is limited only when the security problem exists, and the irrational consumption belongs to legal transaction, so the irrational consumption is not forbidden. Therefore, the existing monitoring mode of the transaction cannot effectively monitor irrational consumption of people without autonomous ability.
Disclosure of Invention
Based on the defects of the prior art, the invention provides a transaction monitoring method and a related device, which are used for solving the problem that the prior art cannot effectively monitor irrational consumption of a person without autonomous ability.
In order to achieve the above object, the present application provides the following technical solutions:
the first aspect of the present application provides a method for monitoring a transaction, including:
monitoring transaction flow records of a target bank account in real time;
if the increase rate of the transaction times of the target bank account is monitored to be larger than the preset increase rate, counting the transaction times of the target bank account and each collection account within a first preset time length; wherein: each of the collection accounts refers to: the target bank account recorded in the transaction flow record is a collection account for conducting transactions within the first preset time length;
determining the collection account with the transaction times with the target bank account being greater than the preset times within the first preset time length as a target collection account;
prohibiting the target bank account from trading with the target collection account, and prompting a user of the target bank account to perform identity verification;
and if the user passes the identity verification, allowing the target bank account to continue to conduct transaction with the target collection account.
Optionally, in the method for monitoring transactions, before counting the number of transactions between the target bank account and each collection account within a first preset time period, the method further includes:
judging whether the target bank account has long-term deposit or not;
and if the target bank account is judged to have long-term deposit, and the increase rate of the transaction times of the target bank account is monitored to be larger than the preset increase rate, executing the counting of the transaction times of the target bank account and each collection account in a first preset time length.
Optionally, in the method for monitoring a transaction, the prompting the user of the target bank account to perform authentication includes:
and notifying the user of the target bank account to carry out voiceprint and/or face authentication through the short message and the intelligent customer service telephone.
Optionally, in the method for monitoring a transaction, the prohibiting the target bank account from conducting a transaction with the target collection account includes:
and prohibiting the target bank account from trading with the target collection account within a second preset time length.
Optionally, in the method for monitoring transactions, the counting the number of transactions between the target bank account and each collection account within a first preset time length includes:
and respectively counting the number of transactions, in which the transaction amount of each collection account is smaller than the preset amount, between the target bank account and the collection account within the first preset time length.
A second aspect of the present application provides a transaction monitoring device, comprising:
the monitoring unit is used for monitoring the transaction flow records of the target bank account in real time;
the counting unit is used for respectively counting the transaction times of the target bank account and each collection account in a first preset time length when the monitoring unit monitors that the increase rate of the transaction times of the target bank account is larger than the preset increase rate; wherein: each of the collection accounts refers to: the target bank account recorded in the transaction flow record is a collection account for conducting transactions within the first preset time length;
a determining unit, configured to determine, as a target collection account, the collection account having a number of transactions with the target bank account greater than a preset number within the first preset length of time;
a limiting unit for prohibiting the target bank account from trading with the target collection account;
the prompting unit is used for prompting the user of the target bank account to carry out identity verification;
and the releasing unit is used for allowing the target bank account to continue to conduct transaction with the target collection account when the user passes the authentication.
Optionally, in the monitoring device for transactions, the monitoring device further includes:
the judging unit is used for judging whether the target bank account has long-term deposit or not;
and if the judging unit judges that the target bank account has long-term deposit, and the monitoring unit monitors that the increase rate of the transaction times of the target bank account is larger than the preset increase rate, the counting unit performs counting on the transaction times of the target bank account and each collection account within a first preset time length.
Optionally, in the above transaction monitoring device, the prompting unit includes:
and the prompt subunit is used for notifying the user of the target bank account to carry out voiceprint and/or face authentication through the short message and the intelligent customer service telephone.
Optionally, in the above transaction monitoring device, the limiting unit includes:
and the limiting subunit is used for prohibiting the target bank account from trading with the target collection account within a second preset time length.
Optionally, in the above transaction monitoring device, the counting unit includes:
and the counting subunit is used for respectively counting the number of transactions, in which the transaction amount of each collection account is smaller than the preset amount, of the target bank account within the first preset time length.
A third aspect of the present application provides an electronic device, comprising:
one or more processors;
a memory having one or more programs stored thereon;
the one or more programs, when executed by the one or more processors, cause the one or more processors to implement the method of monitoring transactions as described in any of the preceding claims.
A fourth aspect of the present application provides a computer storage medium storing a program which, when executed, is adapted to carry out a method of monitoring a transaction as claimed in any one of the preceding claims.
According to the transaction monitoring method, the transaction running water records of the target bank accounts are monitored in real time to monitor whether the transaction amount of the target bank accounts is suddenly increased, and when the increase rate of the transaction times of the target bank accounts is monitored to be larger than the preset increase rate, the transaction times of the target bank accounts and each collection account are counted within the first preset time length. Wherein: each collection account refers to: and the target bank account recorded in the transaction flow record is a collection account for carrying out transaction within a first preset time length. Because the transaction amount of the target bank account is suddenly increased and the transaction with a certain collecting account is excessive, the user of the target bank account possibly carries out irrational transaction on the collecting account, so that the collecting account with which the transaction times of the target bank account is larger than the preset times in the first preset time length is determined as the target collecting account, the target bank account is forbidden to carry out the transaction with the target collecting account, then the user of the target bank account is prompted to carry out identity verification, and the target bank account and the target collecting account are allowed to continue to carry out the transaction until the user passes the identity verification, thereby effectively monitoring irrational consumption of the person without autonomous ability and timely limiting irrational consumption.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings that are required to be used in the embodiments or the description of the prior art will be briefly described below, and it is obvious that the drawings in the following description are only embodiments of the present invention, and that other drawings can be obtained according to the provided drawings without inventive effort for a person skilled in the art.
Fig. 1 is a flow chart of a method for monitoring a transaction according to an embodiment of the present application;
FIG. 2 is a flow chart of another method for monitoring transactions according to another embodiment of the present application;
fig. 3 is a schematic structural diagram of a transaction monitoring device according to another embodiment of the present application.
Detailed Description
The following description of the embodiments of the present invention will be made clearly and completely with reference to the accompanying drawings, in which it is apparent that the embodiments described are only some embodiments of the present invention, but not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.
In this application, relational terms such as first and second, and the like are used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising one … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
The embodiment of the application provides a transaction monitoring method, as shown in fig. 1, specifically including:
s101, monitoring transaction flow records of a target bank account in real time.
Specifically, each transaction running record of the target bank account can be monitored in real time, the transaction times in each preset time period are counted, then each time period is counted, the increase rate of the transaction times of the target bank account is calculated according to the latest transaction times in one time period and the last transaction times in the last time period, whether the calculated increase rate is larger than the preset increase rate is judged, and accordingly whether the situation of sudden increase of the transaction amount of the target bank account is determined. Or adding N transaction records to the transaction flow records of each monitored target bank account, calculating the average time consumption between every two transactions according to the added time consumed by the N transaction records, and calculating the increase rate of the current transaction times based on the average time consumption between every two transactions obtained by the last calculation.
Alternatively, the transaction flow record of the target bank account monitored in the embodiment of the present application may be just a transaction record of the target bank account remittance to other bank accounts, and no transaction record of the target bank account as the payee needs to be monitored.
S102, if the increase rate of the transaction times of the target bank account is larger than the preset increase rate, counting the transaction times of the target bank account and each collection account within a first preset time length.
Wherein each collection account refers to: and the target bank account recorded in the transaction flow record is a collection account for carrying out transaction within a first preset time length.
When a person without autonomous ability uses a bank account of a parent, for example, a minor child uses a bank account of the parent, and under the condition that the parent does not know, a large amount of virtual currency is charged or other irrational consumption is carried out, and a plurality of transactions are usually carried out frequently, so that the transaction amount of a target bank account is suddenly increased compared with the prior transaction amount, that is, the increase rate of the transaction number of the target bank account is larger than the preset increase rate, and the sudden increase of the transaction number of the target bank account is indicated.
Because the irrational consumption actions such as the large-scale virtual currency recharging, gambling or neurasthenia patient molder donation and the like of the underage children are carried out on one or a plurality of platforms in a period of time, in order to further determine whether the irrational consumption situation exists for the user of the target bank account or not and limit the consumption actions in use in time, after the increase rate of the transaction times of the target bank account is monitored to be larger than the preset increase rate, the transaction times of the target bank account and each collection account can be counted based on the transaction flow record respectively for a first preset time length. And executing step S103 when the transaction count of the target bank account and a certain collection account is accumulated to be greater than the preset count in the first preset time period. And step S103 is executed for the collection account if the collection account with the accumulated transaction number of the target bank account being larger than the preset number is judged in real time within the first preset time length, and the collection account with the transaction number of the target bank account being larger than the preset number is judged to be present.
Of course, this is just one alternative, and after the first preset time period, the number of transactions between the target bank account and each collection account in the first preset time period may be counted, and then step S103 may be executed in a unified manner.
S103, determining the collection account with the transaction times with the target bank account being greater than the preset times within the first preset time length as the target collection account.
Specifically, each time a collection account with the number of transactions with the target bank account accumulated more than the preset number of times occurs within the first preset time period, the collection account is immediately determined as the target collection account, and step S104 and step S105 are executed for the collection account, so that irrational consumption which may occur currently can be limited in time. Of course, it is also possible to determine the collection account whose transaction number with the target bank account is greater than the preset number of times within the first preset time period as the target collection account
S104, prohibiting the target bank account from trading with the target collection account, and prompting the user of the target bank account to perform identity verification.
Wherein, the user of the target bank account refers to the account holder of the target bank account.
Specifically, whether the user of the target bank account is in irrational consumption can be finally determined through a verification mode, so that irrational consumption of recharging virtual currency and the like can be timely limited under the condition that a cardholder does not know, and the cardholder can also timely know the recent transaction condition.
Optionally, each time a target collection account is determined, the collection account is prohibited from trading with the target collection account, and a verification prompt is performed to prompt a user of the target bank account, so that the user can timely limit the target bank account and the target collection account to continue trading, and the user can know the trading condition with each target collection account. And when the identity verification of the user is not passed or is not performed, continuously prohibiting the target bank account from being transacted with the target collection account, and prompting the user of the target bank account once every a period of time. At this time, the information of the user of the target bank account which is prompted for authentication has a one-to-one correspondence with the target collection account. Of course, for a plurality of target collection accounts occurring within a first preset time length, only one authentication is needed, so that the user is prevented from performing multiple authentications.
Optionally, the user prompting the target bank account can send prompting information in a short message mode to prompt the user to perform identity verification through a mobile phone bank, a telephone or to a business website. The specific verification method can be one or a combination of more verification methods such as face recognition verification, fingerprint recognition verification, voiceprint recognition verification and the like.
S105, if the user of the target bank account passes the authentication, allowing the target bank account and the target collection account to continue to conduct transactions.
Because, if the user of the target bank account passes the authentication, it is indicated that the frequent transaction with the target cash register account is performed by the user of the target bank account or by other users in the user of the target bank account. Therefore, in order to avoid the user from normally transacting with the target collection account, whether the user of the target bank account passes the identity verification or not can be monitored in real time, and when the user of the target bank account passes the identity verification, the transaction restriction of the target bank account and the target collection account is released.
Specifically, if the identity verification needs to be performed once for each target collection account, when the user of the target bank account passes the identity verification, it needs to be determined which target collection account the user of the target account passes the identity verification required by the target collection account, and only the transaction restriction of the target bank account and the corresponding target collection account is released. If the identity verification is only required to be carried out once for a plurality of target collection accounts, after the user of the target bank account passes the identity verification, the transaction restriction of the target bank account and each target collection account is released.
According to the transaction monitoring method, the transaction flow records of the target bank account are monitored in real time to monitor whether the transaction amount of the target bank account is suddenly increased, and when the increase rate of the transaction times of the target bank account is monitored to be larger than the preset increase rate, the transaction times of the target bank account and each collection account are counted within the first preset time length. Wherein: each collection account refers to: and the target bank account recorded in the transaction flow record is a collection account for carrying out transaction within a first preset time length. Because the transaction amount in the target bank account is suddenly increased and the transaction with a certain collecting account is excessive, the user of the target bank account possibly carries out irrational transaction in the collecting account, so that the collecting account with which the transaction times of the target bank account is larger than the preset times in the first preset time length is determined to be the target collecting account, the transaction of the target bank account with the target collecting account is forbidden, the user of the target bank account is prompted to carry out identity verification, and finally whether irrational consumption is carried out is determined. And after the user passes the identity verification, the target bank account and the target collection account are allowed to continue to conduct transactions, so that irrational consumption of people without autonomous capacity can be effectively monitored, and irrational consumption is timely limited.
Another embodiment of the present application provides another method for monitoring a transaction, as shown in fig. 2, including:
s201, monitoring transaction flow records of a target bank account in real time.
It should be noted that, the specific implementation process of step S201 may refer to step S101 in the above method embodiment accordingly, and will not be described herein again.
And S202, judging whether the target bank account has long-term deposit or not when the increase rate of the transaction times of the target bank account is monitored to be larger than the preset increase rate.
Since there is a long-term deposit in the target bank account, the possibility of occurrence of sudden increase in the number of transactions is relatively low in normal circumstances, so that if the increase rate of the number of transactions in the target bank account is greater than the preset increase rate and if there is a long-term deposit in the target bank account, irrational consumption is highly likely to be performed, so that if the increase rate of the number of transactions in the target bank account is greater than the preset increase rate and if there is a long-term deposit in the target bank account, step S203 is executed.
S203, counting the number of transactions of the target bank account with each collection account with the transaction amount smaller than the preset amount within the first preset time length.
Wherein, each collection account refers to the collection account of the target bank account recorded in the transaction flow record for transaction within the first preset time length.
Because the non-rational consumption actions such as virtual currency recharging, gambling or neurasthenia patient molder donation are usually performed on one or several platforms frequently, but not on a large amount of transactions at a time, in the embodiment of the present application, only the number of transactions between the target bank account and each collection account in the first preset time period is counted. Similarly, when the transaction flow records of the target bank account are monitored in real time, only the transaction flow records with the amount smaller than the preset amount can be monitored.
Alternatively, the transaction amounts of the plurality of non-rational consumption items that have occurred previously may be counted, and the mode of the transaction amounts of the plurality of non-rational consumption items, or the average, may be adopted as the preset amount.
S204, determining the collection account with the transaction amount smaller than the preset amount and the transaction times larger than the preset times in the first preset time length as the target collection account.
It should be noted that, the specific execution step of the step S204 may refer to the step S103 in the above method embodiment, which is not described herein.
S205, prohibiting the target bank account from trading with the target collection account within a second preset time length, and notifying a user of the target bank account to carry out voiceprint and/or face authentication through a short message and an intelligent customer service phone.
Specifically, in the embodiment of the application, the user of the target bank account is notified to carry out voiceprint and/or face authentication in a mode of intelligent customer service telephone through a short message. Specifically, the short message may include a transaction condition of the target bank account and the target collection account within a first preset time length, and a message for prompting the user to perform voiceprint and/or face authentication. The notification is performed by means of an intelligent customer service telephone, which may be a contact way reserved by an account opener dialing a target bank account when opening the account, and then a preset recorded voice for notifying the user to perform voiceprint and/or face authentication is played.
Because the target bank account and the target collection account are prohibited from being transacted for a long time, irrational consumption of the target bank account and the target collection account by a user of the target bank account can be effectively eliminated, and in the embodiment of the application, the target bank account and the target collection account are prohibited from being transacted within a second preset time length.
S206, if the user passes the authentication or after the second preset time length, allowing the target bank account and the target collection account to continue to conduct transactions.
According to the method for monitoring the transaction, the transaction flow records of the target bank account are monitored in real time to monitor whether the transaction amount of the target bank account is suddenly increased, and when the increase rate of the transaction times of the target bank account is monitored to be larger than the preset increase rate and the target bank account stores long-term deposit, the transaction times of the target bank account and each collection account in the first preset time length are counted respectively, wherein the transaction times of the transaction amount of the target bank account and each collection account are smaller than the preset amount. Wherein: each collection account refers to: and the target bank account recorded in the transaction flow record is a collection account for carrying out transaction within a first preset time length. Because the transaction amount of the target bank account is suddenly increased and the small amount of the transaction amount with a certain collecting account is excessive, the user of the target bank account possibly carries out irrational transaction on the collecting account, so that the collecting account with the target bank account, the transaction number of which is greater than the preset number in the first preset time length, is determined to be the target collecting account, the target bank account is forbidden to carry out the transaction with the target collecting account, the user of the target bank account is prompted to carry out identity verification, and the target bank account and the target collecting account are allowed to continue to carry out the transaction until the user passes the identity verification, so that irrational consumption of a person without autonomous ability can be effectively monitored, and irrational consumption is timely limited.
Another embodiment of the present application provides a transaction monitoring device, as shown in fig. 3, including:
the monitoring unit 301 is configured to monitor a transaction flow record of a target bank account in real time.
And the counting unit 302 is configured to count the number of transactions between the target bank account and each collection account within a first preset time length when the monitoring unit 301 monitors that the increase rate of the number of transactions of the target bank account is greater than the preset increase rate.
Wherein: each of the collection accounts refers to: the target bank account recorded in the transaction flow record is a collection account for conducting transactions within the first preset time length;
a determining unit 303, configured to determine the collection account with which the number of transactions with the target bank account is greater than a preset number within the first preset time period as a target collection account.
And the limiting unit 304 is configured to prohibit the target bank account from conducting a transaction with the target collection account.
And the prompting unit 305 is used for prompting the user of the target bank account to perform identity verification.
And a releasing unit 306, configured to allow the target bank account to continue to conduct a transaction with the target collection account when the user passes the authentication.
It should be noted that, the specific working process of the above units in the embodiments of the present application may refer to the steps S101 to S105 in the embodiments of the above method, which is not described herein again.
Optionally, in the transaction monitoring device according to another embodiment of the present application, the method may further include:
and the judging unit is used for judging whether the target bank account has long-term deposit.
If the judging unit judges that the target bank account has long-term deposit, and the monitoring unit 301 monitors that the increase rate of the transaction number of the target bank account is greater than the preset increase rate, the counting unit 302 performs the counting of the transaction number of the target bank account with each collection account within a first preset time period.
It should be noted that, the specific working process of the determining unit may refer to step S202 in the above method embodiment accordingly, which is not described herein again.
Optionally, in the monitoring device for a transaction according to another embodiment of the present application, the prompting unit 305 includes:
and the prompt subunit is used for notifying the user of the target bank account to carry out voiceprint and/or face authentication through the short message and the intelligent customer service telephone.
It should be noted that, the specific working process of the prompting subunit may refer to step S205 in the above method embodiment accordingly, which is not described herein again.
Optionally, in the monitoring device for a transaction according to another embodiment of the present application, the limiting unit 304 includes:
and the limiting subunit is used for prohibiting the target bank account from trading with the target collection account within a second preset time length.
It should be noted that, the specific working process of the limiting subunit may also refer to step S205 in the above method embodiment accordingly, which is not described herein again.
Optionally, in the transaction monitoring device according to another embodiment of the present application, the counting unit 302 includes:
and the counting subunit is used for respectively counting the number of transactions, in which the transaction amount of each collection account is smaller than the preset amount, of the target bank account within the first preset time length.
It should be noted that, the specific working process of the prompting subunit may refer to step S203 in the above method embodiment accordingly, which is not described herein again.
According to the transaction monitoring method, the transaction running water records of the target bank account are monitored in real time through the detection unit, so that whether the transaction amount of the target bank account is suddenly increased or not is monitored, and when the increase rate of the transaction times of the target bank account is monitored to be larger than the preset increase rate, the counting unit counts the transaction times of the target bank account and each collection account within the first preset time length. Wherein: each collection account refers to: and the target bank account recorded in the transaction flow record is a collection account for carrying out transaction within a first preset time length. And then the determining unit determines the collection account with the transaction times with the target bank account being greater than the preset times within the first preset time length as the target collection account, prohibits the target bank account from conducting transactions with the target collection account through the limiting unit, prompts the user of the target bank account to conduct identity verification, and allows the target bank account to conduct transactions with the target collection account until the user passes the identity verification, so that irrational consumption of people without autonomous ability can be effectively monitored, and irrational consumption is timely limited.
Another embodiment of the present application provides an electronic device, including:
one or more processors, memory.
Wherein the memory stores one or more programs, which when executed by the one or more processors, cause the one or more processors to implement the method for monitoring transactions as provided in any of the method embodiments described above.
A fourth aspect of the present application provides a computer storage medium storing a program which, when executed, is adapted to carry out a method of monitoring a transaction as provided in any one of the method embodiments described above.
Those of skill would further appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware, computer software, or combinations of both, and that the various illustrative elements and steps are described above generally in terms of functionality in order to clearly illustrate the interchangeability of hardware and software. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the solution. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present invention.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present invention. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the invention. Thus, the present invention is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.
Claims (10)
1. A method of monitoring transactions, comprising:
monitoring transaction flow records of a target bank account in real time;
if the increase rate of the transaction times of the target bank account is monitored to be larger than the preset increase rate, counting the transaction times of the target bank account and each collection account within a first preset time length; wherein: each of the collection accounts refers to: the target bank account recorded in the transaction flow record is a collection account for conducting transactions within the first preset time length;
determining the collection account with the transaction times with the target bank account being greater than the preset times within the first preset time length as a target collection account;
prohibiting the target bank account from trading with the target collection account, and prompting a user of the target bank account to perform identity verification;
and if the user passes the identity verification, allowing the target bank account to continue to conduct transaction with the target collection account.
2. The method of claim 1, wherein before counting the number of transactions with each collection account for a first predetermined length of time for the target bank account, respectively, further comprises:
judging whether the target bank account has long-term deposit or not;
and if the target bank account is judged to have long-term deposit, and the increase rate of the transaction times of the target bank account is monitored to be larger than the preset increase rate, executing the counting of the transaction times of the target bank account and each collection account in a first preset time length.
3. The method of claim 1, wherein prompting the user of the target bank account for authentication comprises:
and notifying the user of the target bank account to carry out voiceprint and/or face authentication through the short message and the intelligent customer service telephone.
4. The method of claim 1, wherein the disabling the target bank account from conducting transactions with the target collection account comprises:
and prohibiting the target bank account from trading with the target collection account within a second preset time length.
5. The method of claim 1, wherein counting the number of transactions with each collection account for a first predetermined length of time for the target bank account, respectively, comprises:
and respectively counting the number of transactions, in which the transaction amount of each collection account is smaller than the preset amount, between the target bank account and the collection account within the first preset time length.
6. A transaction monitoring device, comprising:
the monitoring unit is used for monitoring the transaction flow records of the target bank account in real time;
the counting unit is used for respectively counting the transaction times of the target bank account and each collection account in a first preset time length when the monitoring unit monitors that the increase rate of the transaction times of the target bank account is larger than the preset increase rate; wherein: each of the collection accounts refers to: the target bank account recorded in the transaction flow record is a collection account for conducting transactions within the first preset time length;
a determining unit, configured to determine, as a target collection account, the collection account having a number of transactions with the target bank account greater than a preset number within the first preset length of time;
a limiting unit for prohibiting the target bank account from trading with the target collection account;
the prompting unit is used for prompting the user of the target bank account to carry out identity verification;
and the releasing unit is used for allowing the target bank account to continue to conduct transaction with the target collection account when the user passes the authentication.
7. The apparatus as recited in claim 6, further comprising:
the judging unit is used for judging whether the target bank account has long-term deposit or not;
and if the judging unit judges that the target bank account has long-term deposit, and the monitoring unit monitors that the increase rate of the transaction times of the target bank account is larger than the preset increase rate, the counting unit performs counting on the transaction times of the target bank account and each collection account within a first preset time length.
8. The apparatus of claim 6, wherein the prompting unit comprises:
and the prompt subunit is used for notifying the user of the target bank account to carry out voiceprint and/or face authentication through the short message and the intelligent customer service telephone.
9. An electronic device, comprising:
one or more processors;
a memory having one or more programs stored thereon;
the one or more programs, when executed by the one or more processors, cause the one or more processors to implement the method of monitoring transactions of any of claims 1 to 5.
10. A computer storage medium storing a program which, when executed, is adapted to carry out a method of monitoring a transaction according to any one of claims 1 to 5.
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