CN111754213A - Transfer transaction processing method and system for mobile phone bank - Google Patents
Transfer transaction processing method and system for mobile phone bank Download PDFInfo
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- CN111754213A CN111754213A CN202010585031.3A CN202010585031A CN111754213A CN 111754213 A CN111754213 A CN 111754213A CN 202010585031 A CN202010585031 A CN 202010585031A CN 111754213 A CN111754213 A CN 111754213A
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Abstract
The invention discloses a method and a system for processing transfer transactions of a mobile phone bank, wherein the method comprises the following steps: establishing a safety tool model; configuring, in the safety tool model, an impact factor, wherein the impact factor comprises: the method comprises the steps of accounting types of a mobile phone bank, and an amount threshold value and a number threshold value under an account transfer transaction scene corresponding to each accounting type; when a transfer transaction initiated by a mobile phone bank is received, calling the safety tool model to match the transfer type of the corresponding mobile phone bank; under the account transfer transaction scene corresponding to the matched account transfer type of the mobile phone bank, judging whether the account transfer transaction conforms to a safety-free tool or not according to an amount threshold and a frequency threshold; if the account transfer transaction is not matched with the safety tool, the user is prompted to utilize the safety tool to carry out safety verification.
Description
Technical Field
The invention relates to the technical field of data processing, in particular to a method and a system for processing transfer transactions of a mobile phone bank.
Background
With the increasing popularity of mobile payment, the transfer of money through the mobile terminal has become a norm. At present, in order to ensure the security of the transfer transaction of the mobile phone bank, corresponding security tools are configured for the mobile phone bank, the security tools are generally set according to the types of the transfer, and each type of transfer transaction is configured with a corresponding security tool; however, no matter the transfer amount is high or low, a safety tool is used when transfer transaction of mobile phone banking is carried out.
From the perspective of the user, if the transfer transaction needs to be frequently carried out by using a mobile phone bank, the user can use the mobile phone bank inconveniently and the stickiness of the user is reduced because the transfer transaction needs to be verified by a safety tool each time.
Therefore, there is a need for a method for flexibly setting a security-free tool to improve the transfer transaction processing mode of mobile banking and improve the convenience of users.
Disclosure of Invention
In order to overcome the problems, the invention provides a transfer transaction processing method and system for a mobile phone bank, which can realize small-amount transfer of the mobile phone bank without a safety tool on the premise of controllable risk, increase the convenience of customers and enable more customers to use mobile phone banks APP for payment and transfer.
In a first aspect of an embodiment of the present invention, a method for processing a transfer transaction in a mobile banking system is provided, where the method includes:
establishing a safety tool model;
configuring, in the safety tool model, an impact factor, wherein the impact factor comprises: the method comprises the steps of accounting types of a mobile phone bank, and an amount threshold value and a number threshold value under an account transfer transaction scene corresponding to each accounting type;
when a transfer transaction initiated by a mobile phone bank is received, calling the safety tool model to match the transfer type of the corresponding mobile phone bank;
under the account transfer transaction scene corresponding to the matched account transfer type of the mobile phone bank, judging whether the account transfer transaction conforms to a safety-free tool or not according to an amount threshold and a frequency threshold;
if the account transfer transaction is not matched with the safety tool, the user is prompted to utilize the safety tool to carry out safety verification.
Further, in the safety tool model, configuring an influence factor includes:
configuring the transfer type of the mobile phone bank, wherein the transfer type at least comprises the following steps: transferring accounts to the local bank of the person, transferring accounts to other local banks and transferring international remittance;
configuring an amount threshold and a number threshold under a transfer transaction scene corresponding to each transfer type, wherein the amount threshold and the number threshold at least comprise a single amount threshold, a current day transfer number threshold, a current day accumulated amount threshold, a week accumulated amount threshold and a month accumulated transfer amount threshold;
adjusting an amount threshold and a frequency threshold under a transfer transaction scene corresponding to each transfer type according to the risk level of the bank;
further, under the transfer transaction scene corresponding to the transfer type of the matched mobile phone bank, whether the transfer transaction accords with a safety-free tool or not is judged according to an amount threshold and a frequency threshold, and the method comprises the following steps:
obtaining the current transfer amount of the transfer party according to the current transfer transaction, and obtaining the current transfer times, the current accumulated transfer amount, the weekly accumulated transfer amount and the monthly accumulated transfer amount according to the historical transfer information of the transfer party;
comparing the transfer amount, the transfer times of the current day, the accumulated transfer amount of the week and the accumulated transfer amount of the month with a single amount threshold, a transfer times of the current day threshold, an accumulated amount of the week threshold and an accumulated transfer amount of the month threshold under a transfer transaction scene corresponding to the transfer type of the matched mobile phone bank;
if the comparison result is not greater than the threshold value, judging that the transfer transaction conforms to the safety-free tool;
and if the comparison result is greater than the threshold value, judging that the transfer transaction does not conform to the safety-free tool.
In a second aspect of the embodiments of the present invention, a system for processing a transfer transaction in a mobile banking is further provided, where the system includes:
the model building module is used for building a safety tool model;
an impact factor configuration module, configured to configure an impact factor in the security tool model, wherein the impact factor includes: the method comprises the steps of accounting types of a mobile phone bank, and an amount threshold value and a number threshold value under an account transfer transaction scene corresponding to each accounting type;
the model calling module is used for calling the safety tool model when receiving a transfer transaction initiated by a mobile phone bank and matching the transfer type of the corresponding mobile phone bank;
the judging module is used for judging whether the transfer transaction conforms to a safety-free tool or not according to an amount threshold and a time threshold under the transfer transaction scene corresponding to the matched transfer type of the mobile phone bank;
the transfer transaction processing module is used for directly carrying out transfer transaction processing under the condition of conforming to the installation-free tool; and prompting the user to perform safety verification by using a safety tool under the condition that the installation-free tool is not met.
Further, the impact factor configuration module is specifically configured to:
configuring the transfer type of the mobile phone bank, wherein the transfer type at least comprises the following steps: transferring accounts to the local bank of the person, transferring accounts to other local banks and transferring international remittance;
configuring an amount threshold and a number threshold under a transfer transaction scene corresponding to each transfer type, wherein the amount threshold and the number threshold at least comprise a single amount threshold, a current day transfer number threshold, a current day accumulated amount threshold, a week accumulated amount threshold and a month accumulated transfer amount threshold;
and adjusting the amount threshold and the frequency threshold under the account transfer transaction scene corresponding to each account transfer type according to the risk level of the bank.
Further, the determining module is specifically configured to:
obtaining the current transfer amount of the transfer party according to the current transfer transaction, and obtaining the current transfer times, the current accumulated transfer amount, the weekly accumulated transfer amount and the monthly accumulated transfer amount according to the historical transfer information of the transfer party;
comparing the transfer amount, the transfer times of the current day, the accumulated transfer amount of the week and the accumulated transfer amount of the month with a single amount threshold, a transfer times of the current day threshold, an accumulated amount of the week threshold and an accumulated transfer amount of the month threshold under a transfer transaction scene corresponding to the transfer type of the matched mobile phone bank;
if the comparison result is not greater than the threshold value, judging that the transfer transaction conforms to the safety-free tool;
and if the comparison result is greater than the threshold value, judging that the transfer transaction does not conform to the safety-free tool.
In a third aspect of the present invention, there is also provided a computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing a transfer transaction processing method for mobile banking when executing the computer program.
In a fourth aspect of the present invention, there is also provided a computer-readable storage medium storing a computer program which, when executed by a processor, implements a transfer transaction processing method of a mobile banking.
According to the method and the system for processing the transfer transaction of the mobile phone bank, the dimensional factor of the safety tool model can be increased according to needs, so that the safety tool is not only related to the transfer type, but also related to the amount of money, and the bank management end can configure the dimensional factor of the transfer safe-free tool according to needs, thereby meeting the requirements of banks in different regions and different risk levels and increasing the flexibility of the safety tool; at the in-process of handling the account transfer transaction, make the bank under the controllable prerequisite of risk, realize that cell-phone bank's small account transfer exempts from the safety tool, increase customer's convenience, make more customers use bank APP to pay and transfer accounts, improve user's viscidity.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings needed to be used in the description of the embodiments are briefly introduced below, and it is obvious that the drawings in the following description are some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.
Fig. 1 is a flow diagram illustrating a method for processing a transfer transaction by a mobile banking according to an embodiment of the present invention.
FIG. 2 is a flowchart illustrating the detailed steps of configuring impact factors according to an embodiment of the present invention.
Fig. 3 is a flowchart illustrating the detailed steps of determining whether to avoid using a security tool according to an embodiment of the present invention.
Fig. 4 is a schematic architecture diagram of a transfer transaction processing system of a mobile banking according to an embodiment of the present invention.
FIG. 5 is a detailed architecture diagram of an impact factor configuration module according to an embodiment of the invention.
Fig. 6 is a detailed architecture diagram of the determining module according to an embodiment of the present invention.
Fig. 7 is a schematic structural diagram of a computer device according to an embodiment of the present invention.
Detailed Description
The principles and spirit of the present invention will be described with reference to a number of exemplary embodiments. It is understood that these embodiments are given solely for the purpose of enabling those skilled in the art to better understand and to practice the invention, and are not intended to limit the scope of the invention 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 invention 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.
According to the embodiment of the invention, the invention provides a method and a system for processing transfer transactions of a mobile phone bank.
The principles and spirit of the present invention are explained in detail below with reference to several representative embodiments of the invention.
Fig. 1 is a flow diagram illustrating a method for processing a transfer transaction by a mobile banking according to an embodiment of the present invention. As shown in fig. 1, the method includes:
step S101, establishing a safety tool model;
step S102, configuring an influence factor in the safety tool model, wherein the influence factor comprises: the method comprises the steps of accounting types of a mobile phone bank, and an amount threshold value and a number threshold value under an account transfer transaction scene corresponding to each accounting type;
step S103, when a transfer transaction initiated by a mobile phone bank is received, calling the safety tool model to match the transfer type of the corresponding mobile phone bank;
step S104, under the transfer transaction scene corresponding to the matched transfer type of the mobile phone bank, judging whether the transfer transaction conforms to a safety-free tool or not according to an amount threshold and a time threshold;
if the account transfer transaction is not matched with the safety tool, the user is prompted to utilize the safety tool to carry out safety verification.
In an embodiment, referring to fig. 2, a detailed step flow diagram of configuring an impact factor according to an embodiment of the present invention is shown.
As shown in fig. 2, in step S102, the specific process of configuring the impact factor is as follows:
step S1021, the transfer type of the mobile phone bank is configured, wherein the transfer type at least comprises the following steps: transfer to the person's own bank, transfer to other persons' own banks, transfer to other banks, and international remittance.
Step S1022, configuring an amount threshold and a number threshold in the transfer transaction scenario corresponding to each transfer type, where the amount threshold and the number threshold at least include a single amount threshold, a daily transfer number threshold, a daily cumulative amount threshold, a weekly cumulative amount threshold, and a monthly cumulative transfer amount threshold.
Further, step S1023 may be further included, in the security tool model, according to the risk level of the bank, the amount threshold and the number threshold of the transfer transaction scenario corresponding to each transfer type are adjusted.
Specifically, in the process of establishing and configuring the safety tool model, different banks can set the money threshold value, the frequency threshold value and the like according to different risk levels; for example, if the risk level is higher, the amount threshold and the number threshold may be appropriately decreased; if the risk level is lower, the money threshold value and the frequency threshold value can be properly increased.
In an embodiment, referring to fig. 3, a flowchart illustrating a detailed step of determining whether to avoid using a security tool according to an embodiment of the present invention is shown.
As shown in fig. 3, in step S104, the specific determination process is: :
and step S1041, obtaining the current transfer amount of the transfer party according to the current transfer transaction, and obtaining the current transfer times, the current accumulated transfer amount, the weekly accumulated transfer amount and the monthly accumulated transfer amount (the numerical values comprise the current transfer amount and the times, and the current transfer is regarded as 1 time) according to the historical transfer information of the transfer party.
Step S1042, comparing the transfer amount, the transfer times of the day, the accumulated transfer amount of the week and the accumulated transfer amount of the month with a single-time amount threshold, a transfer times of the day threshold, an accumulated amount of the week threshold and an accumulated transfer amount of the month threshold in a transfer transaction scene corresponding to the transfer type of the matched mobile phone bank;
if the comparison result is not greater than the threshold value, judging that the transfer transaction conforms to the safety-free tool, and directly carrying out transfer transaction processing under the safety-free tool;
and if the comparison result is greater than the threshold value, judging that the transfer transaction does not conform to the safety-free tool, and prompting the user to perform safety verification by using the safety tool.
It should be noted that although the operations of the method of the present invention have been described in the above embodiments and the accompanying drawings in a particular order, this does not require or imply that these operations must be performed in this particular order, or that all of the operations shown must be performed, to achieve the desired results. Additionally or alternatively, certain steps may be omitted, multiple steps combined into one step execution, and/or one step broken down into multiple step executions.
For a clearer explanation of the method for processing the money transfer transaction of the mobile banking, a specific embodiment is described below, however, it should be noted that the embodiment is only for better explaining the present invention and is not to be construed as an undue limitation on the present invention.
With a certain bank behavior example, first, a security tool model of the bank is established.
Configuring, in the safety tool model, an impact factor; referring to table 1, the model of the security tool of the bank is shown.
TABLE 1 safety tool model
The transfer types mainly include 4 cases of 1 transferring to the own bank, 2 transferring to the own bank of other people, 3 transferring to other banks, 4 transferring to international remittance and the like.
In case 1, when the transfer transaction is initiated to the local bank of the person, the local bank can directly identify the account of the local bank of the person, the risk of the transfer transaction mode can be considered to be the lowest, and for five threshold values of a, b, c, d and e, specific numerical values (minus, code wildcard, which represents no limitation) can be set, so that the transfer transaction can be completed directly by a non-transaction tool, and the convenience of a user is improved.
In case 2, when the transfer transaction is initiated to the other person in the bank, the bank can directly identify the account of the other person in the bank, the transfer transaction mode can be considered that a lower transfer risk exists, and a threshold value can be set for the items a, b, c, d and e respectively, so that the transfer convenience of the user is improved on the premise of ensuring the transfer risk.
When a user A initiates transfer of 1500 yuan to a user B, a safety tool model is called, the account of a non-user A (user B) of which the payee is the current bank is identified, and the transfer type is matched with the type 2;
further, corresponding to each threshold value, account transfer data of the user A is needed; for example, the transfer amount a' of the user A is 2000 yuan; according to the historical account transfer information of the user A, obtaining the account transfer times b 'of the day, such as 2 times (the times comprise the account transfer of the current time), and the accumulated account transfer amount c' of the day, such as 2000 yuan (the amount comprises the account transfer amount of the current time); weekly cumulative transfer amount d', for example 20000 dollars (the amount includes the current transfer amount); the monthly cumulative transfer amount e' is, for example, 100000 dollars (this amount includes the current transfer amount).
The a ', b ', c ', d ', e ' can be compared with five corresponding threshold values a, b, c, d and e at one time, and if the comparison result is greater than the threshold value, namely all the transfer data are less than or equal to the corresponding threshold values, the transfer transaction is judged not to be in accordance with the security-free tool.
For another example, if the daily transfer number b 'is 3 times, that is, the transfer is completed 2 times in the day, the transfer is counted, and the daily transfer number is 3 times, when the comparison result is greater than the threshold value (b' > b), the transfer transaction is judged not to be in accordance with the safety-free tool, and the user is prompted to utilize the safety tool to perform safety verification.
In case 3, when the transfer transaction is initiated to other lines, the opposite party is not limited to the person or other persons; even when transferring money to other lines of the person, since the person cannot be determined by name because of the account of the other lines, this case can be classified into case 3; that is, for transfer transactions to anyone else, case 3 is included.
The transfer transaction mode can be considered that a certain transfer risk exists, for the threshold values of the items a, b, c, d and e, lower numerical values compared with the 2 nd condition can be set respectively, and the convenience of user transfer is improved on the premise of ensuring the transfer risk.
The first three cases are primarily for transfer transactions that are not cross-border, within the same country.
In case 4, when the user needs to send cross-border international money, a high handling fee is generated and the transaction is a high risk transaction, the security tool is not exempted, so that the thresholds a, b, c, d and e are directly set to 0, that is, the security tool is not exempted under the transfer type.
By using the transfer transaction processing method of the mobile banking, the dimensional factor of the safety tool model can be increased according to the needs, so that the safety tool is not only related to the transfer type, but also related to the amount of money, and the bank management end can configure the dimensional factor of the transfer safe-free tool according to the needs, thereby meeting the requirements of banks in different regions and different risk levels and increasing the flexibility of the safety tool; at the in-process of handling the account transfer transaction, make the bank under the controllable prerequisite of risk, realize that cell-phone bank's small account transfer exempts from the safety tool, increase customer's convenience, make more customers use bank APP to pay and transfer accounts, improve user's viscidity.
Having described the method of the exemplary embodiment of the present invention, next, a transfer transaction processing system of a mobile banking machine according to an exemplary embodiment of the present invention will be described with reference to fig. 4 to 6.
The implementation of the transfer transaction processing system of the mobile banking can be seen in the implementation of the method, and repeated details are omitted. The term "module" or "unit" used hereinafter 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.
Based on the same inventive concept, the invention also provides a transfer transaction processing system for mobile banking, as shown in fig. 4, the system comprises:
a model building module 410 for building a security tool model;
an impact factor configuration module 420, configured to configure an impact factor in the security tool model, wherein the impact factor includes: the method comprises the steps of accounting types of a mobile phone bank, and an amount threshold value and a number threshold value under an account transfer transaction scene corresponding to each accounting type;
the model calling module 430 is used for calling the safety tool model when a transfer transaction initiated by a mobile phone bank is received, and matching the transfer type of the corresponding mobile phone bank;
the judging module 440 is used for judging whether the transfer transaction conforms to a safety-free tool according to an amount threshold and a time threshold under the transfer transaction scene corresponding to the matched transfer type of the mobile phone bank;
the transfer transaction processing module 450 is used for directly carrying out transfer transaction processing under the condition of conforming to the installation-free tool; and prompting the user to perform safety verification by using a safety tool under the condition that the installation-free tool is not met.
In an embodiment, referring to fig. 5, a detailed architecture diagram of an impact factor configuration module according to an embodiment of the invention is shown.
As shown in fig. 5, the impact factor configuration module 420 includes:
the transfer type configuration unit 421 is configured to configure the transfer type of the mobile banking, and includes at least: transfer to the person's own bank, transfer to other persons' own banks, transfer to other banks, and international remittance.
The threshold configuration unit 422 is configured to configure an amount threshold and a number threshold in a transfer transaction scenario corresponding to each transfer type, where the amount threshold and the number threshold at least include a single amount threshold, a daily transfer number threshold, a daily cumulative amount threshold, a weekly cumulative amount threshold, and a monthly cumulative transfer amount threshold.
And the threshold adjusting unit 423 is configured to adjust an amount threshold and a number threshold in a transfer transaction scenario corresponding to each transfer type according to the risk level of the bank.
In an embodiment, referring to fig. 6, a detailed architecture diagram of the determining module according to an embodiment of the present invention is shown.
As shown in fig. 6, the determining module 440 includes:
the transfer data acquisition unit 441 is used for acquiring the transfer amount of the transfer party according to the transfer transaction, and acquiring the transfer times of the day, the cumulative transfer amount of the week and the cumulative transfer amount of the month according to the historical transfer information of the transfer party;
the data comparison unit 442 is configured to compare the current transfer amount, the current day transfer frequency, the current day accumulated transfer amount, the weekly accumulated transfer amount, and the monthly accumulated transfer amount with a single amount threshold, a current day transfer frequency threshold, a current day accumulated amount threshold, a weekly accumulated amount threshold, and a monthly accumulated transfer amount threshold in a transfer transaction scenario corresponding to the transfer type of the matched mobile banking;
the safety tool control unit 443 is used for judging that the transfer transaction conforms to a safety-free tool if the comparison result is not greater than the threshold; and under the condition that the comparison result is larger than the threshold value, judging that the transfer transaction does not conform to the safety-free tool.
The modules and the units are all completed through a background service system of a mobile phone bank or an internet bank, the front end is not required to be modified, and the transformation of transfer safety tools in production can be easily realized through the three modules of the background service system.
It should be noted that although several modules of the mobile banking's transfer transaction processing system are mentioned in the above detailed description, such division is merely exemplary and not mandatory. Indeed, the features and functionality of two or more of the modules described above may be embodied in one module according to embodiments of the invention. Conversely, the features and functions of one module described above may be further divided into embodiments by a plurality of modules.
The transfer transaction processing method and system for the mobile banking can be used for establishing a safety tool model in combination with business requirements, and relates to transfer types, amounts, amount types and the like; moreover, a safety tool mechanism is modified, so that the safety tool is limited in transfer type and related to money amount; at the bank management end, a safety tool configuration function is added, so that the transfer can be completed by the service through configuration without a safety tool.
Based on the aforementioned inventive concept, as shown in fig. 7, the present invention further provides a computer device 700, which includes a memory 710, a processor 720 and a computer program 730 stored on the memory 710 and operable on the processor 720, wherein the processor 720 implements the aforementioned method for processing the transfer transaction of the mobile banking when executing the computer program 730.
Based on the above inventive concept, the present invention also provides a computer-readable storage medium storing a computer program, which, when executed by a processor, implements the aforementioned transfer transaction processing method for mobile banking.
According to the method and the system for processing the transfer transaction of the mobile phone bank, the dimensional factor of the safety tool model can be increased according to needs, so that the safety tool is not only related to the transfer type, but also related to the amount of money, and the bank management end can configure the dimensional factor of the transfer safe-free tool according to needs, thereby meeting the requirements of banks in different regions and different risk levels and increasing the flexibility of the safety tool; at the in-process of handling the account transfer transaction, make the bank under the controllable prerequisite of risk, realize that cell-phone bank's small account transfer exempts from the safety tool, increase customer's convenience, make more customers use bank APP to pay and transfer accounts, improve user's viscidity.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
Finally, it should be noted that: the above-mentioned embodiments are only specific embodiments of the present invention, which are used for illustrating the technical solutions of the present invention and not for limiting the same, and the protection scope of the present invention is not limited thereto, although the present invention is described in detail with reference to the foregoing embodiments, those skilled in the art should understand that: any person skilled in the art can modify or easily conceive the technical solutions described in the foregoing embodiments or equivalent substitutes for some technical features within the technical scope of the present disclosure; such modifications, changes or substitutions do not depart from the spirit and scope of the embodiments of the present invention, and they should be construed as being included therein. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.
Claims (12)
1. A transfer transaction processing method for mobile banking is characterized by comprising the following steps:
establishing a safety tool model;
configuring, in the safety tool model, an impact factor, wherein the impact factor comprises: the method comprises the steps of accounting types of a mobile phone bank, and an amount threshold value and a number threshold value under an account transfer transaction scene corresponding to each accounting type;
when a transfer transaction initiated by a mobile phone bank is received, calling the safety tool model to match the transfer type of the corresponding mobile phone bank;
under the account transfer transaction scene corresponding to the matched account transfer type of the mobile phone bank, judging whether the account transfer transaction conforms to a safety-free tool or not according to an amount threshold and a frequency threshold;
if the account transfer transaction is not matched with the safety tool, the user is prompted to utilize the safety tool to carry out safety verification.
2. A transfer transaction processing method at mobile banking according to claim 1, wherein in the security tool model, an influence factor is configured, including:
configuring the transfer type of the mobile phone bank, wherein the transfer type at least comprises the following steps: transfer to the person's own bank, transfer to other persons' own banks, transfer to other banks, and international remittance.
3. A transfer transaction processing method at mobile banking according to claim 2, wherein in the security tool model, an influence factor is configured, including:
and configuring an amount threshold and a time threshold under a transfer transaction scene corresponding to each transfer type, wherein the amount threshold and the time threshold at least comprise a single amount threshold, a current day transfer time threshold, a current day accumulated amount threshold, a week accumulated amount threshold and a month accumulated transfer amount threshold.
4. A transfer transaction processing method at mobile banking according to claim 3, wherein in the security tool model, an influence factor is configured, further comprising:
and adjusting the amount threshold and the frequency threshold under the account transfer transaction scene corresponding to each account transfer type according to the risk level of the bank.
5. A transfer transaction processing method for a mobile banking as claimed in claim 3, wherein under a transfer transaction scenario corresponding to the transfer type of the matched mobile banking, whether the transfer transaction of this time meets a security-free tool is judged according to an amount threshold and a number threshold, and the method comprises:
obtaining the current transfer amount of the transfer party according to the current transfer transaction, and obtaining the current transfer times, the current accumulated transfer amount, the weekly accumulated transfer amount and the monthly accumulated transfer amount according to the historical transfer information of the transfer party;
comparing the transfer amount, the transfer times of the current day, the accumulated transfer amount of the week and the accumulated transfer amount of the month with a single amount threshold, a transfer times of the current day threshold, an accumulated amount of the week threshold and an accumulated transfer amount of the month threshold under a transfer transaction scene corresponding to the transfer type of the matched mobile phone bank;
if the comparison result is not greater than the threshold value, judging that the transfer transaction conforms to the safety-free tool;
and if the comparison result is greater than the threshold value, judging that the transfer transaction does not conform to the safety-free tool.
6. A system for processing a transfer transaction in a mobile banking system, the system comprising:
the model building module is used for building a safety tool model;
an impact factor configuration module, configured to configure an impact factor in the security tool model, wherein the impact factor includes: the method comprises the steps of accounting types of a mobile phone bank, and an amount threshold value and a number threshold value under an account transfer transaction scene corresponding to each accounting type;
the model calling module is used for calling the safety tool model when receiving a transfer transaction initiated by a mobile phone bank and matching the transfer type of the corresponding mobile phone bank;
the judging module is used for judging whether the transfer transaction conforms to a safety-free tool or not according to an amount threshold and a time threshold under the transfer transaction scene corresponding to the matched transfer type of the mobile phone bank;
the transfer transaction processing module is used for directly carrying out transfer transaction processing under the condition of conforming to the installation-free tool; and prompting the user to perform safety verification by using a safety tool under the condition that the installation-free tool is not met.
7. A transfer transaction processing system for mobile banking as claimed in claim 6 wherein the impact factor configuration module is specifically configured to:
configuring the transfer type of the mobile phone bank, wherein the transfer type at least comprises the following steps: transfer to the person's own bank, transfer to other persons' own banks, transfer to other banks, and international remittance.
8. A transfer transaction processing system for mobile banking as claimed in claim 7, wherein the impact factor configuration module is specifically configured to:
and configuring an amount threshold and a time threshold under a transfer transaction scene corresponding to each transfer type, wherein the amount threshold and the time threshold at least comprise a single amount threshold, a current day transfer time threshold, a current day accumulated amount threshold, a week accumulated amount threshold and a month accumulated transfer amount threshold.
9. A transfer transaction processing system for mobile banking as claimed in claim 8 wherein the impact factor configuration module is further operable to:
and adjusting the amount threshold and the frequency threshold under the account transfer transaction scene corresponding to each account transfer type according to the risk level of the bank.
10. A transfer transaction processing system for mobile banking as claimed in claim 8, wherein the determining module is specifically configured to:
obtaining the current transfer amount of the transfer party according to the current transfer transaction, and obtaining the current transfer times, the current accumulated transfer amount, the weekly accumulated transfer amount and the monthly accumulated transfer amount according to the historical transfer information of the transfer party;
comparing the transfer amount, the transfer times of the current day, the accumulated transfer amount of the week and the accumulated transfer amount of the month with a single amount threshold, a transfer times of the current day threshold, an accumulated amount of the week threshold and an accumulated transfer amount of the month threshold under a transfer transaction scene corresponding to the transfer type of the matched mobile phone bank;
if the comparison result is not greater than the threshold value, judging that the transfer transaction conforms to the safety-free tool;
and if the comparison result is greater than the threshold value, judging that the transfer transaction does not conform to the safety-free tool.
11. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any one of claims 1 to 5 when executing the computer program.
12. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program which, when executed by a processor, implements the method of any of claims 1 to 5.
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| CN202010585031.3A CN111754213A (en) | 2020-06-24 | 2020-06-24 | Transfer transaction processing method and system for mobile phone bank |
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| CN202010585031.3A CN111754213A (en) | 2020-06-24 | 2020-06-24 | Transfer transaction processing method and system for mobile phone bank |
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