CN113628395A - Financial service terminal based on cloud calculates - Google Patents
Financial service terminal based on cloud calculates Download PDFInfo
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- CN113628395A CN113628395A CN202110904114.9A CN202110904114A CN113628395A CN 113628395 A CN113628395 A CN 113628395A CN 202110904114 A CN202110904114 A CN 202110904114A CN 113628395 A CN113628395 A CN 113628395A
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
- G06Q20/1085—Remote banking, e.g. home banking involving automatic teller machines [ATMs]
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- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
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- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
- G07F19/21—Retaining of the payment card by ATMs
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- G—PHYSICS
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- G07F—COIN-FREED OR LIKE APPARATUS
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Abstract
The invention relates to the technical field of financial equipment, in particular to a financial service terminal based on cloud computing, which comprises a financial transaction database, a fraud information database, a cloud computing server and a financial service terminal, wherein corresponding financial transaction information and fraud information can be updated in time by arranging the financial transaction database and the fraud information database, the cloud computing server calls data in the financial transaction database and the fraud information database through a network, the information storage capacity of the terminal equipment can be reduced by adopting the network to call the data, and the cloud computing server performs data interaction with the financial service terminal through the network. In the invention, the fund expenditure management type of the sender and the fund income management score of the receiver are calculated through the cloud computing server, so that the remittance risk is evaluated, the financial loss of a depositor caused by property transfer is reduced from a source, and the property safety of people is effectively ensured.
Description
Technical Field
The invention relates to the technical field of financial equipment, in particular to a financial service terminal based on cloud computing.
Background
Financial services refer to the entire financial industry that performs its various functions to promote economic and social development. Specifically, the financial service refers to a financial institution providing various services including financing investment, savings, credits, settlement, securities trading, business insurance, and financial information consultation to a client by developing business activities.
The financial service is usually carried out in two modes, one mode is settlement through an atm machine, the other mode is field handling through a counter, because the trans-bank transfer of the atm machine adopts a delayed account reaching mode, enough time is provided for a depositor to stop damage in time, more telecommunication fraud is carried out by guiding the depositor to go to the counter for transferring property, the telecommunication fraud mode is infinite, a bank teller is not trained, a large amount of fund of the depositor is damaged, and the financial service terminal based on cloud computing is needed to reduce property loss of the people population caused by the telecommunication fraud.
Disclosure of Invention
In order to overcome the technical problems, the invention aims to provide a financial service terminal based on cloud computing, which calculates the capital expenditure management type of a sender and the capital income management score of a receiver through a cloud computing server so as to evaluate the remittance risk, reduce the financial loss of a depositor caused by property transfer from a source and effectively ensure the property safety of people; the identity card and the bank card of the depositor are limited by the IC card swallowing module, the depositor is effectively reserved, the alarm module is used for timely contacting with a public security organ for processing, telecommunication cheaters are effectively prevented from conducting isolated brain-washing education, and the anti-fraud consciousness of the depositor is favorably cultured.
The purpose of the invention can be realized by the following technical scheme:
a financial service terminal based on cloud computing comprises a financial transaction database, a fraud information database, a cloud computing server and a financial service terminal, wherein corresponding financial transaction information and fraud information can be updated in time by arranging the financial transaction database and the fraud information database, the cloud computing server calls data in the financial transaction database and the fraud information database through a network, the information storage capacity of terminal equipment can be reduced by adopting the network to call the data, and the cloud computing server performs data interaction with the financial service terminal through the network;
the financial transaction database stores bank depositor names, depositor identity card numbers, bank card numbers, transaction time, transaction types, location of an issuer and transaction amount information;
the fraud information database stores fraud type information;
the financial service terminal comprises an IC card identifier, a camera, a microphone, a control module, a loudspeaker, an IC card swallowing module, a display screen and an alarm module;
the IC card identifier is used for identifying the name, the identification card number and the bank card number of the depositor, so that the manual input link is omitted, the input efficiency is improved, and the input error rate is reduced;
the camera is used for shooting and recording actions of depositors, so that later-period evidence collection of public security organs and supervision of employee behaviors by bank management departments are facilitated;
the microphone is used for recording the conversation between the bank worker and the depositor;
the control module is used for sending a control instruction to the financial service terminal;
the loudspeaker is used for recording the sound of the microphone and playing the sound;
the IC card swallowing module is used for limiting the identity card or the bank card of the depositor in the financial service terminal, so that the whereabouts of the depositor of remittance of the left and right behaviors of the deceased molecules are effectively limited;
the display screen is used for displaying interactive information;
the alarm module is used for sending out an alarm to the district, so that the alarm condition can be transmitted to the corresponding district in the shortest time, and the alarm sending efficiency is improved;
the communication module is used for carrying out bidirectional communication with the cloud computing server;
the cloud computing server comprises a comparison computing module, a storage module and a language-to-character module, wherein the comparison computing module is used for computing remittance risk coefficients, the language-to-character module is used for converting recorded voices into characters, and the information retrieval efficiency can be improved by converting languages into the characters, and the storage module is used for storing information called from a financial transaction database and a fraud information database, data transmitted by a financial service terminal, results computed by the comparison computing module and character information converted by the language-to-character module.
Further, the method comprises the following steps: the fraud type information comprises a remittance reason and a relation between a receiver and a remitter, and according to the remittance reason and the relation between the receiver and the remitter, a fraud molecule can be matched to adopt which identity to request to remit what item.
Further, the method comprises the following steps: the step of calculating the remittance risk coefficient by the comparison calculation module is as follows:
s1: calling the information of the transaction amount and the transaction type within one year from a financial transaction database according to the bank card numbers of the depositor and the payee, wherein the transaction types are transfer-in, transfer-out and withdrawal;
s2: judging the depositor capital expenditure management type according to the depositor bank card data called in the S1;
s3: calculating a payee fund income management score according to the payee bank card data called in the S1;
s4: recording gamma according to the ratio of the remittance amount of the depositor to the balance of the bank card, if gamma is less than 0.3, not obtaining the abnormal capital expenditure score of the depositor, otherwise, comparing gamma with the capital expenditure management type of the depositor to obtain the abnormal capital expenditure score of the corresponding depositor, and obtaining the abnormal degree of the depositor by calculating the abnormal expenditure score of the depositor;
s5: summing the fund income management score of the payee and the fund expenditure management score of the depositor, recording the sum as alpha, then calculating the difference between the alpha and the warning score value, recording the difference as delta, judging whether the payee has normal financial transaction behaviors or not by knowing the fund income management score of the payee, and causing property loss to the remitter for abnormal financial transaction behaviors;
s6, judging whether to start the early warning according to the delta, if the delta is larger than 0, starting the early warning, and if the delta is smaller than 0, not starting;
s7: inquiring to obtain remittance reasons of the depositor and relation information between the receiver and the remitter, and matching the information with fraud types of the fraud information database to obtain fraud types;
and S8, outputting the remittance risk coefficient alpha and the fraud type.
Further, the method comprises the following steps: the judgment steps of the depositor capital expenditure management type are as follows:
SA1, recording deposit transaction amount in one year as a1 and a2 … … an in sequence according to the time sequence, wherein n is a positive integer, and summing the deposit transaction amount and is recorded as A;
SA2, recording the money withdrawing transaction amount within one year as B1 and B2 … … bm in sequence according to the time sequence, wherein m is a positive integer, and summing the positive integer and recording the sum as B;
SA 3: and comparing B, A, recording as C, and obtaining a capital expenditure management type, recording as consumption type capital management if C is more than 0.8, recording as steady capital management if C is between 0.3 and 0.8, and recording as storage type capital management if C is less than 0.3.
Further, the method comprises the following steps: the depositor capital expenditure abnormal score calculating step comprises the following steps:
SB1, determining a base number D according to the depositor capital expenditure management type, wherein D is 30 if the depositor is consumption type capital management, 50 if the depositor is steady type capital management, and 100 if the depositor is storage type capital management;
SB 2: and multiplying the gamma by the D to obtain the abnormal capital expenditure score of the depositor.
Further, the method comprises the following steps: the calculation steps of the fund income management score of the payee are as follows:
SC1, acquiring the transaction times of the payee within one year, scoring according to the transaction times, and recording as P1, wherein the transaction times are 5 times or less and are recorded as 20 points, the transaction times are 6-10 times and are recorded as 10 points, and the transaction times are more than 10 times and are recorded as 5 points;
SC 2: acquiring the ratio of the total withdrawal amount of the payee in a single day to the initial residual amount of the payee in the same day in a year according to the time sequence, sequentially marking as e1 and e2 … … el, wherein l is a positive integer, counting the number of the total withdrawal amount in the single day to the initial residual amount of the current day, counting the ratio of the total withdrawal amount in the single day to the initial residual amount of the current day to be more than 0.8, marking as P2 according to the ratio, wherein the ratio of the total withdrawal amount in the single day to the initial residual amount of the current day is more than 0.8, the ratio of the total withdrawal amount in the single day to the initial residual amount of the current day is 20, the ratio of the total withdrawal amount in the single day to be 0.3-0.8, the ratio of the total withdrawal amount in the single day to be 10, and the ratio of the total withdrawal amount of the current day to be less than 0.3, and the ratio of the total amount of the initial residual amount in the current day to be 5;
SC 3: acquiring time difference between the withdrawal of the payee and the last previous remittance within one year according to the time sequence, sequentially marking as f1 and f2 … … fq, wherein q is a positive integer, counting the ratio of the time difference to be less than 12 hours, marking according to the ratio as P3, wherein the ratio is greater than 0.5 and is marked as 20, the ratio is 0.5-1 and is marked as 10, and the ratio is greater than 1 and is marked as 5;
SC 3: p1, P2, and P3 are summed to obtain payee fund revenue management scores.
Further, the method comprises the following steps: the value of the alarm point is 60 points.
The invention has the beneficial effects that:
1. the financial transaction database is used for storing the deposit time, the amount and the transaction type of a bank user, the fraud information database is used for classifying and summarizing the novel fraud type according to the relationship between a remittance reason and a remitter and a payee, and then the cloud computing server is used for computing the fund expenditure management type of the remitter and the fund income management score of the payee, so that the remittance risk is evaluated, the financial loss of the depositor caused by property transfer is reduced from the source, and the property safety of people is effectively guaranteed;
2. the identity card and the bank card of the depositor are limited by the IC card swallowing module, the depositor is effectively reserved, the alarm module is used for timely contacting with a public security organ for processing, telecommunication cheaters are effectively prevented from conducting isolated brain-washing education, and the anti-fraud consciousness of the depositor is favorably cultured.
Drawings
The invention will be further described with reference to the accompanying drawings.
FIG. 1 is a block diagram of the overall system of the present invention;
FIG. 2 is a block diagram of a financial services terminal in the present invention;
fig. 3 is a block diagram of a cloud computing server in the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Referring to fig. 1-3, a financial service terminal based on cloud computing comprises a financial transaction database, a fraud information database, a cloud computing server and a financial service terminal, wherein corresponding financial transaction information and fraud information can be updated in time by setting the financial transaction database and the fraud information database, the cloud computing server calls data in the financial transaction database and the fraud information database through a network, the information storage capacity of terminal equipment can be reduced by adopting the network to call the data, and the cloud computing server performs data interaction with the financial service terminal through the network;
the financial transaction database stores the name of the bank depositor, the identification number of the depositor, the card number of the bank card, the transaction time, the transaction type, the location of the bank of the issuer and the transaction amount information;
the fraud information database stores fraud type information;
the financial service terminal comprises an IC card identifier, a camera, a microphone, a control module, a loudspeaker, an IC card swallowing module, a display screen and an alarm module;
the IC card recognizer is used for recognizing the name, the identity card number and the bank card number of the depositor, so that the manual recording link is omitted, the recording efficiency is improved, the recording error rate is reduced, the camera is used for recording the actions of the depositor, the later public security department can conveniently take the evidence and the bank management department can conveniently supervise the behavior of the staff, the microphone is used for recording the conversation between the bank staff and the depositor, the control module is used for sending a control command to the financial service terminal, the loudspeaker is used for recording the sound of the microphone for playing, the IC card swallowing module is used for limiting the identity card or the bank card of the depositor in the financial service terminal, so that the track of the depositor is effectively limited for the remittance of the left and right behaviors of the scammed molecules, the display screen is used for displaying the interactive information, the alarm module is used for sending out the alarm to the depositor, and the alarm can be carried out in the shortest time, the alarm condition is transmitted to the corresponding police station, so that the alarm efficiency is improved, and the communication module is used for carrying out two-way communication with the cloud computing server;
the cloud computing server comprises a comparison computing module, a storage module and a language-to-character module, wherein the comparison computing module is used for computing remittance risk coefficients, the language-to-character module is used for converting recorded voices into characters, and the information retrieval efficiency can be improved by converting languages into the characters, and the storage module is used for storing information called from the financial transaction database and the fraud information database, data transmitted by the financial service terminal, results computed by the comparison computing module and character information converted by the language-to-character module.
The fraud type information comprises a remittance reason and a relation between a receiver and a remitter, and according to the remittance reason and the relation between the receiver and the remitter, a fraud molecule can be matched to adopt which identity to request to remit what item.
The step of calculating the remittance risk coefficient by the comparison calculation module is as follows:
s1: calling the information of the transaction amount and the transaction type within one year from a financial transaction database according to the bank card numbers of the depositor and the payee, wherein the transaction types are transfer-in, transfer-out and withdrawal;
s2: judging the depositor capital expenditure management type according to the depositor bank card data called in the S1;
s3: calculating a payee fund income management score according to the payee bank card data called in the S1;
s4: recording gamma according to the ratio of the remittance amount of the depositor to the balance of the bank card, if gamma is less than 0.3, not obtaining the abnormal capital expenditure score of the depositor, otherwise, comparing gamma with the capital expenditure management type of the depositor to obtain the abnormal capital expenditure score of the corresponding depositor, and obtaining the abnormal degree of the depositor by calculating the abnormal expenditure score of the depositor;
s5: summing the fund income management score of the payee and the fund expenditure management score of the depositor, recording the sum as alpha, then calculating the difference between the alpha and the warning score value 60, recording the difference as delta, judging whether the payee has normal financial transaction behaviors or not by knowing the fund income management score of the payee, and causing property loss to the remitter for abnormal financial transaction behaviors;
s6, judging whether to start the early warning according to the delta, if the delta is larger than 0, starting the early warning, and if the delta is smaller than 0, not starting;
s7: inquiring to obtain remittance reasons of the depositor and relation information between the receiver and the remitter, and matching the information with fraud types of the fraud information database to obtain fraud types;
and S8, outputting the remittance risk coefficient alpha and the fraud type.
The judgment steps of the depositor capital expenditure management type are as follows:
SA1, recording deposit transaction amount in one year as a1 and a2 … … an in sequence according to the time sequence, wherein n is a positive integer, and summing the deposit transaction amount and is recorded as A;
SA2, recording the money withdrawing transaction amount within one year as B1 and B2 … … bm in sequence according to the time sequence, wherein m is a positive integer, and summing the positive integer and recording the sum as B;
SA 3: and comparing B, A, recording as C, and obtaining a capital expenditure management type, recording as consumption type capital management if C is more than 0.8, recording as steady capital management if C is between 0.3 and 0.8, and recording as storage type capital management if C is less than 0.3.
The depositor capital expenditure abnormal score calculating step is as follows:
SB1, determining a base number D according to the depositor capital expenditure management type, wherein D is 30 if the depositor is consumption type capital management, 50 if the depositor is steady type capital management, and 100 if the depositor is storage type capital management;
SB 2: and multiplying the gamma by the D to obtain the abnormal capital expenditure score of the depositor.
The cloud-computing-based financial service terminal of claim 1, wherein the payee-based financial income management score is calculated by the steps of:
SC1, acquiring the transaction times of the payee within one year, scoring according to the transaction times, and recording as P1, wherein the transaction times are 5 times or less and are recorded as 20 points, the transaction times are 6-10 times and are recorded as 10 points, and the transaction times are more than 10 times and are recorded as 5 points;
SC 2: acquiring the ratio of the total withdrawal amount of the payee in a single day to the initial residual amount of the payee in the same day in a year according to the time sequence, sequentially marking as e1 and e2 … … el, wherein l is a positive integer, counting the number of the total withdrawal amount in the single day to the initial residual amount of the current day, counting the ratio of the total withdrawal amount in the single day to the initial residual amount of the current day to be more than 0.8, marking as P2 according to the ratio, wherein the ratio of the total withdrawal amount in the single day to the initial residual amount of the current day is more than 0.8, the ratio of the total withdrawal amount in the single day to the initial residual amount of the current day is 20, the ratio of the total withdrawal amount in the single day to be 0.3-0.8, the ratio of the total withdrawal amount in the single day to be 10, and the ratio of the total withdrawal amount of the current day to be less than 0.3, and the ratio of the total amount of the initial residual amount in the current day to be 5;
SC 3: acquiring time difference between the withdrawal of the payee and the last previous remittance within one year according to the time sequence, sequentially marking as f1 and f2 … … fq, wherein q is a positive integer, counting the ratio of the time difference to be less than 12 hours, marking according to the ratio as P3, wherein the ratio is greater than 0.5 and is marked as 20, the ratio is 0.5-1 and is marked as 10, and the ratio is greater than 1 and is marked as 5;
SC 3: p1, P2, and P3 are summed to obtain payee fund revenue management scores.
The working principle is as follows: when the anti-fraud system is used, a depositor places an identity card and a bank card on an IC card identifier for identification so as to obtain identity card information and a bank card account number, then inputs a bank card and a transfer amount of a receiver who transfers money, a bank worker controls a financial service terminal to upload the data to a cloud computing server, calls a financial transaction database through the cloud computing server so as to calculate a remittance risk coefficient through a comparison computing module of the cloud computing server, for the depositor with abnormal remittance risk coefficient, the bank worker controls an IC card swallowing module to limit the bank card and the identity card of the depositor through a control module, simultaneously inquires the relationship between a remittance reason and the receiver and the sender, converts the remittance reason into characters through a language-to-character module of the cloud computing server, compares keywords with fraud types of the fraud information database so as to obtain possible fraud types, the system can be used for dissuading the depositor, and for dissuading the invalid depositor, the depositor can seek for the prefectured area to be dispatched for verification and dissuation through the alarm module.
In the description herein, references to the description of "one embodiment," "an example," "a specific example" or the like are intended to mean that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the invention. In this specification, the schematic representations of the terms used above do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples.
The foregoing is illustrative and explanatory only and is not intended to be exhaustive or to limit the invention to the precise embodiments described, and various modifications, additions, and substitutions may be made by those skilled in the art without departing from the scope of the invention or exceeding the scope of the claims.
Claims (7)
1. The financial service terminal based on cloud computing is characterized by comprising a financial transaction database, a fraud information database, a cloud computing server and a financial service terminal, wherein the cloud computing server retrieves data in the financial transaction database and the fraud information database through a network, and performs data interaction with the financial service terminal through the network;
the financial transaction database stores bank depositor names, depositor identity card numbers, bank card numbers, transaction time, transaction types, location of an issuer and transaction amount information;
the fraud information database stores fraud type information;
the financial service terminal comprises an IC card identifier, a camera, a microphone, a control module, a loudspeaker, an IC card swallowing module, a display screen and an alarm module;
the IC card identifier is used for identifying the name, the identification card number and the bank card number of the depositor identity card;
the camera is used for shooting and recording actions of a depositor;
the microphone is used for recording the conversation between the bank worker and the depositor;
the control module is used for sending a control instruction to the financial service terminal;
the loudspeaker is used for recording the sound of the microphone and playing the sound;
the IC card swallowing module is used for limiting the identity card or the bank card of the depositor in the financial service terminal;
the display screen is used for displaying interactive information;
the alarm module is used for sending an alarm to the district;
the communication module is used for carrying out bidirectional communication with the cloud computing server;
the cloud computing server comprises a comparison computing module, a storage module and a language-to-character module, wherein the comparison computing module is used for computing remittance risk coefficients, the language-to-character module is used for converting recorded voices into characters, and the storage module is used for storing information called from a financial transaction database and a fraud information database, data transmitted by a financial service terminal, results computed by the comparison computing module and character information converted by the language-to-character module.
2. The cloud-computing-based financial service terminal of claim 1, wherein said fraud-type information includes a remittance reason and a recipient-to-sender relationship.
3. The cloud-computing-based financial service terminal of claim 1, wherein the step of calculating the remittance risk coefficient by the comparison calculation module comprises:
s1: calling the information of the transaction amount and the transaction type within one year from a financial transaction database according to the bank card numbers of the depositor and the payee;
s2: judging the depositor capital expenditure management type according to the depositor bank card data called in the S1;
s3: calculating a payee fund income management score according to the payee bank card data called in the S1;
s4: recording gamma according to the ratio of the remittance amount of the depositor to the balance of the bank card, if gamma is less than 0.3, not obtaining the abnormal capital expenditure score of the depositor, otherwise, comparing gamma with the capital expenditure management type of the depositor to obtain the corresponding abnormal capital expenditure score of the depositor;
s5: summing the fund income management score of the payee and the fund expenditure management score of the depositor, recording the sum as alpha, then calculating the difference between the alpha and the warning score value, and recording the difference as delta;
s6, judging whether to start the early warning according to the delta, if the delta is larger than 0, starting the early warning, and if the delta is smaller than 0, not starting;
s7: inquiring to obtain remittance reasons of the depositor and relation information between the receiver and the remitter, and matching the information with fraud types of the fraud information database to obtain fraud types;
and S8, outputting the remittance risk coefficient alpha and the fraud type.
4. The cloud-computing-based financial service terminal of claim 3, wherein the depositor fund expenditure management type determining step is as follows:
SA1, recording deposit transaction amount in one year as a1 and a2 … … an in sequence according to the time sequence, wherein n is a positive integer, and summing the deposit transaction amount and is recorded as A;
SA2, recording the money withdrawing transaction amount within one year as B1 and B2 … … bm in sequence according to the time sequence, wherein m is a positive integer, and summing the positive integer and recording the sum as B;
SA 3: and comparing B, A, recording as C, and obtaining a capital expenditure management type, recording as consumption type capital management if C is more than 0.8, recording as steady capital management if C is between 0.3 and 0.8, and recording as storage type capital management if C is less than 0.3.
5. The financial service terminal based on cloud computing according to claim 4, wherein the depositor fund expenditure abnormal score calculating step is as follows:
SB1, determining a base number D according to the depositor capital expenditure management type, wherein D is 30 if the depositor is consumption type capital management, 50 if the depositor is steady type capital management, and 100 if the depositor is storage type capital management;
SB 2: and multiplying the gamma by the D to obtain the abnormal capital expenditure score of the depositor.
6. The cloud-computing-based financial service terminal of claim 1, wherein the payee-based monetary revenue management score is calculated by:
SC1, acquiring the transaction times of the payee within one year, scoring according to the transaction times, and recording as P1, wherein the transaction times are 5 times or less and are recorded as 20 points, the transaction times are 6-10 times and are recorded as 10 points, and the transaction times are more than 10 times and are recorded as 5 points;
SC 2: acquiring the ratio of the total withdrawal amount of the payee in a single day to the initial residual amount of the payee in the same day in a year according to the time sequence, sequentially marking as e1 and e2 … … el, wherein l is a positive integer, counting the number of the total withdrawal amount in the single day to the initial residual amount of the current day, counting the ratio of the total withdrawal amount in the single day to the initial residual amount of the current day to be more than 0.8, marking as P2 according to the ratio, wherein the ratio of the total withdrawal amount in the single day to the initial residual amount of the current day is more than 0.8, the ratio of the total withdrawal amount in the single day to the initial residual amount of the current day is 20, the ratio of the total withdrawal amount in the single day to be 0.3-0.8, the ratio of the total withdrawal amount in the single day to be 10, and the ratio of the total withdrawal amount of the current day to be less than 0.3, and the ratio of the total amount of the initial residual amount in the current day to be 5;
SC 3: acquiring time difference between the withdrawal of the payee and the last previous remittance within one year according to the time sequence, sequentially marking as f1 and f2 … … fq, wherein q is a positive integer, counting the ratio of the time difference to be less than 12 hours, marking according to the ratio as P3, wherein the ratio is greater than 0.5 and is marked as 20, the ratio is 0.5-1 and is marked as 10, and the ratio is greater than 1 and is marked as 5;
SC 3: p1, P2, and P3 are summed to obtain payee fund revenue management scores.
7. The cloud-computing-based financial service terminal of claim 3, wherein the alert score value is 60 points.
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