CN114187002B - Financial security system and method - Google Patents
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- CN114187002B CN114187002B CN202111519699.9A CN202111519699A CN114187002B CN 114187002 B CN114187002 B CN 114187002B CN 202111519699 A CN202111519699 A CN 202111519699A CN 114187002 B CN114187002 B CN 114187002B
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Abstract
The invention relates to a financial security system and a method, which comprises a database; a data acquisition module; the rating module is used for carrying out rating evaluation on the user through the first consumption capacity value and outputting first rating data of the user; a processor; the processor grades the users with different first-grade data, and corresponding to different first transaction states, judges whether the consumption amount of the user is matched with the historical consumption capacity of the user, if not, outputs a first matching behavior, namely an early warning behavior, and if so, outputs a second matching behavior, namely a transaction behavior; the financial problem is processed in a layering and grading way, so that the safety and the convenience of financial transaction of a user are improved.
Description
Technical Field
The invention relates to the field of financial security, in particular to a safe and convenient financial security system and a method.
Background
With the rapid development of computer and network technologies, financial transactions are more convenient and efficient. Financial transactions refer to all transactions involving changes in ownership of financial assets by an institution entity. In the existing business processing technologies such as financial transactions, historical financial transaction data of a user cannot be integrated and utilized, and subsequent transactions are influenced, so that the security of the financial transactions performed by the user is low. The financial transaction method with higher safety is complex and complicated in operation method, and the transaction method with simple operation method is not enough in safety, so that the existing financial transaction cannot give consideration to both safety and convenience. And the user population is complicated and various, and the unified processing of the financial transaction problems is not as reasonable and efficient as the layering and grading processing. Therefore, there is a need for a secure and convenient financial security system and method.
Disclosure of Invention
The invention aims to provide a safe and convenient financial safety system and a method.
The invention relates to a financial security system, which comprises
A database in which first transaction data of a user is prestored;
the data acquisition module is used for acquiring second transaction data input by a user;
the processor outputs a first consumption capacity value through the first transaction data, outputs a first consumption amount through the second transaction data, converts the second transaction data into the first transaction data and stores the first transaction data in the database;
the rating module is used for carrying out rating evaluation on the user through the first consumption capacity value and outputting first rating data of the user;
the processor defines a corresponding first transaction state according to different first grade data, and in the first transaction state, the processor is used for judging whether the first consumption amount is matched with the first consumption capacity value, if not, outputting a first matching behavior corresponding to the first transaction state, and if so, outputting a second matching behavior corresponding to the first transaction state.
The invention relates to a financial security system, wherein the step that the processor is used for judging whether a first consumption amount is matched with a first consumption capacity value or not, if not, a first matching behavior corresponding to a first transaction state is output, and if yes, a second matching behavior corresponding to the first transaction state is output comprises the following steps:
the database prestores total price threshold values corresponding to different first-class data;
the processor judges whether the first consumption amount corresponding to different first grade data is larger than the total price threshold value corresponding to the first consumption amount, if not, a first matching behavior corresponding to the first transaction state is output, and if so, a second matching behavior corresponding to the first transaction state is output.
The invention relates to a financial security system, wherein the step that the processor is used for judging whether a first consumption amount is matched with a first consumption capacity value or not, if not, a first matching behavior corresponding to a first transaction state is output, and if yes, a second matching behavior corresponding to the first transaction state is output comprises the following steps:
the database is prestored with a first preset threshold value and a second preset threshold value, and when the processor judges that the first consumption capacity value is greater than the first preset threshold value, the processor outputs the first-level data of the user as a first-level user;
when the processor judges that the first consumption capacity value is smaller than or equal to a first preset threshold value and larger than a second preset threshold value, the processor outputs the first-level data of the user as a second-level user;
when the processor judges that the first consumption capacity value is smaller than or equal to a second preset threshold value, the first-level data of the user is output as a third-level user;
the data acquisition module can acquire a product category label corresponding to the second transaction data;
the database prestores commodity price data corresponding to the product type labels;
the processor judges whether the first consumption capacity value is that the first consumption amount of the primary user is larger than the commodity price data, if not, a first matching behavior corresponding to the first transaction state is output, and if yes, a second matching behavior corresponding to the first transaction state is output;
the processor judges whether the first consumption capacity value is that the first consumption amount of the secondary user is between the commodity price data minus the first reference price and the commodity price data plus the first reference price, if not, a first matching behavior corresponding to the first transaction state is output, and if so, a second matching behavior corresponding to the first transaction state is output;
the processor judges whether the first consumption capacity value is that the first consumption amount of the third-level user is smaller than the commodity price data, if not, a first matching behavior corresponding to the first transaction state is output, and if so, a second matching behavior corresponding to the first transaction state is output.
The first-level data can comprise a first-level user, a second-level user and a third-level user, wherein the first-level user can be a high-consumption user, the corresponding first transaction state of the first-level user is a low-level early warning state, the second-level user can be a medium-level consumption user, the corresponding first transaction state of the second-level user is a medium-level early warning state, the third-level user can be a low-level consumption user, and the corresponding first transaction state of the third-level user is a comprehensive early warning state.
The invention relates to a financial security system, wherein the total price threshold comprises a first price threshold corresponding to a primary user, a second price threshold corresponding to a secondary user and a third price threshold corresponding to a tertiary user.
The invention relates to a financial security system, wherein first keyword data and estimated money corresponding to the first keyword data are prestored in a database.
The invention relates to a financial security system, wherein balance data updated by a user in real time is prestored in a database.
The invention relates to a financial security system, wherein a processor is electrically connected with a data acquisition module.
The invention relates to a financial security system, wherein the processor is electrically connected with a rating module.
The invention relates to a financial security method, which comprises the following steps
Pre-storing first transaction data of a user;
collecting second transaction data input by a user;
outputting a first consumption capacity value through the first transaction data, outputting a first consumption amount through the second transaction data, converting the second transaction data into first transaction data and storing the first transaction data in a database;
grade evaluation is carried out on the user through the first consumption capacity value, and first grade data of the user are output;
defining a corresponding first transaction state according to different first grade data, judging whether the first consumption amount is matched with the first consumption capacity value or not in the first transaction state, if not, outputting a first matching behavior corresponding to the first transaction state, and if so, outputting a second matching behavior corresponding to the first transaction state.
The financial security system is different from the prior art in that the financial security system can give consideration to both security and convenience, and simultaneously, the user is layered and graded, so that financial transactions are more reasonable and efficient.
A financial security system of the present invention is further described with reference to the accompanying drawings.
Drawings
FIG. 1 is a flow diagram of a financial security system and method;
Detailed Description
Referring to fig. 1, as shown in fig. 1, a financial security system according to the present invention includes
A database in which first transaction data of a user is prestored;
the data acquisition module is used for acquiring second transaction data input by a user;
the processor outputs a first consumption capacity value through the first transaction data, outputs a first consumption amount through the second transaction data, converts the second transaction data into the first transaction data and stores the first transaction data in the database;
the rating module is used for carrying out rating evaluation on the user through the first consumption capacity value and outputting first rating data of the user;
the processor defines a corresponding first transaction state according to different first grade data, and in the first transaction state, the processor is used for judging whether the first consumption amount is matched with the first consumption capacity value, if not, outputting a first matching behavior corresponding to the first transaction state, and if so, outputting a second matching behavior corresponding to the first transaction state.
According to the invention, the processor grades the users with different first-grade data, and corresponding to different first transaction states, whether the consumption amount of the user is matched with the historical consumption capacity of the user is judged, if not, a first matching behavior, namely an early warning behavior, is output, and if so, a second matching behavior, namely a transaction behavior, is output. By the arrangement, the financial problems are processed in a layering and grading manner, so that the safety and convenience of financial transactions of users are improved.
The first transaction data is historical transaction data of the user.
Wherein the first consumption capability value may be a numerical value capable of reflecting the consumption capability of the user.
Wherein the step of the "processor outputting a first spending capability value through the first transaction data, the step of the processor outputting a first spending amount through the second transaction data being performed by the user" may be: the processor converts words in the first transaction data, which are the same as the first keyword data stored in the database, into second keyword data, converts the estimated amount of money corresponding to the first keyword data, which is the same as the second keyword data, into a first price, converts price data in the first transaction data into a second price, outputs the higher one of the first price and the second price as a first consumption capacity value, and outputs the highest first price in the second transaction data as a first consumption amount.
The database is prestored with first keyword data and estimated money amount corresponding to the first keyword data.
The "rating module, which performs rating evaluation on the user through the first consumption capability value and outputs the first rating data of the user" may include: the database is prestored with a first preset threshold value and a second preset threshold value, and when the processor judges that the first consumption capacity value is greater than the first preset threshold value, the processor outputs the first-level data of the user as a first-level user;
when the processor judges that the first consumption capacity value is smaller than or equal to a first preset threshold value and larger than a second preset threshold value, the processor outputs first-level data of the user as a second-level user;
and when the processor judges that the first consumption capacity value is smaller than or equal to a second preset threshold value, the first-level data of the user is output as a third-level user.
Wherein, the first preset threshold may be: 10 ten thousand yuan to 200 ten thousand yuan, preferably 50 ten thousand yuan.
Wherein the second preset threshold may be: 1000 yuan to 10 ten thousand yuan, preferably 2 ten thousand yuan.
Wherein, the step of the processor determining whether the first spending amount matches the first spending capability value includes: the processor determines whether the first spending amount is greater than or equal to the first spending capability value.
Wherein, the first matching behavior of the primary user is: sending a transaction risk early warning signal and outputting a transaction instruction, wherein the second matching behavior of the primary user is as follows: outputting a transaction instruction;
the first matching behavior of the secondary user is as follows: sending a transaction risk early warning signal to a user, waiting for a first preset time, and then outputting a transaction instruction, wherein the second matching behavior of the secondary user is as follows: sending a prompt signal related to the transaction information to the user and outputting a transaction instruction;
the first matching behavior of the third-level user is as follows: sending a transaction risk early warning signal and balance data to the user, and outputting a transaction instruction after the user confirms the identity, wherein the second matching behavior of the third-level user is as follows: and sending a prompt signal related to the transaction information to the user, and outputting a transaction instruction after the user confirms.
According to the invention, through setting the first matching behavior of the third-level user, when the transaction amount of the third-level user is not matched with the consumption capacity of the third-level user, balance data is sent to the third-level user to remind and early warn the user.
For example, referring to table 1, user a, the first transaction data may be: ordering a luxury vehicle with a value of 500 ten thousand yuan in a certain brand luxury vehicle store 6/5/2020, storing a first keyword 'luxury vehicle' in a database, converting 'luxury vehicle' in first transaction data of a processor into second keyword data, wherein the estimated amount of the luxury vehicle is 150 ten thousand yuan and is a first price, the second price is 500 ten thousand yuan, converting maximum 500 ten thousand yuan data of the first price and the second price into a first consumption capacity value, the first consumption capacity value is greater than a first preset threshold value of 100 ten thousand yuan, a user A is a primary user, and the processor defines that a first transaction state corresponding to the primary user is a low-grade early warning state;
the second transaction data being conducted by the user a may be: in 2021, a bronze ware will be photographed by 130 ten thousand yuan at a foreign auction house on day 4/month 15, a first keyword "bronze ware" is stored in the database, the "bronze ware" in the second transaction data of the processor is converted into second keyword data, the estimated amount of money is 100 ten thousand yuan which is a first price, the second price is 130 ten thousand yuan, the maximum 130 ten thousand yuan data of the first price and the second price is a first consumption amount, the first consumption amount is less than 500 ten thousand yuan which is a first consumption capacity value, the first consumption amount is matched with the first consumption capacity value, and then the corresponding matching behavior is output: outputting a transaction instruction;
the ongoing second transaction data of the user A can also be: in 12 months at 5 and 2021, 2000 ten thousand yuan is spent at a building selling position of a high-grade district to purchase a luxury home, a first keyword 'luxury home' is stored in a database, the 'luxury home' in second transaction data of a processor is converted into second keyword data, the estimated amount is 500 ten thousand yuan which is a first price, the second price is 2000 ten thousand yuan, the maximum 2000 ten thousand yuan data of the first price and the second price is a first consumption amount, the first consumption amount is greater than a first consumption capacity value of 500 ten thousand yuan, the first consumption amount is matched with the first consumption capacity value, and corresponding matching behaviors are output: and sending a transaction risk early warning signal and outputting a transaction instruction.
The operations of the secondary user and the tertiary user are similar to those of the primary user, and the differences are only different between the corresponding first matching behavior and the second matching behavior.
TABLE 1
Preferably, referring to fig. 1, the step of determining whether the first consumption amount matches the first consumption capacity value, if not, outputting a first matching behavior corresponding to the first transaction state, and if so, outputting a second matching behavior corresponding to the first transaction state includes:
the database prestores total price threshold values corresponding to different first-class data;
the processor judges whether the first consumption amount corresponding to different first grade data is larger than the total price threshold corresponding to the first consumption amount, if not, a first matching behavior corresponding to the first transaction state is output, and if so, a second matching behavior corresponding to the first transaction state is output.
According to the invention, the total price threshold values corresponding to different first-level data are set, and the first consumption amount of the users with different first-level data is judged by the processor respectively, so that the early warning times of the first-level users with high assets are reduced, the convenience of financial transactions of the first-level users is improved, the early warning times of the third-level users with few assets are increased, and the safety of financial transactions of the third-level users is improved, thereby the safety and the convenience of the financial transactions of the users with different first-level data are considered.
Specifically, the step of "the processor is configured to determine whether the first consumption amount is matched with the first consumption capacity value, if not, output a first matching behavior corresponding to the first transaction state, and if so, output a second matching behavior corresponding to the first transaction state" includes:
the database is prestored with a first preset threshold and a second preset threshold;
when the processor judges that the first consumption capacity value is larger than a first preset threshold value, the first-level data of the user is output as a first-level user;
when the processor judges that the first consumption capacity value is smaller than or equal to a first preset threshold value and larger than a second preset threshold value, the processor outputs the first-level data of the user as a second-level user;
when the processor judges that the first consumption capacity value is smaller than or equal to a second preset threshold value, the first-level data of the user is output as a third-level user;
the database is prestored with a first price threshold corresponding to a first-level user, a second price threshold corresponding to a second-level user and a third price threshold corresponding to a third-level user;
the processor judges whether the first consumption capacity value is that the first consumption amount of the primary user is larger than a first price threshold value, if not, a first matching behavior corresponding to the first transaction state is output, and if so, a second matching behavior corresponding to the first transaction state is output;
the processor judges whether the first consumption capacity value is that the first consumption amount of the secondary user is larger than a second price threshold value, if not, a first matching behavior corresponding to the first transaction state is output, and if yes, a second matching behavior corresponding to the first transaction state is output;
the processor judges whether the first consumption capacity value is that the first consumption amount of the third-level user is larger than a third price threshold value, if not, a first matching behavior corresponding to the first transaction state is output, and if so, a second matching behavior corresponding to the first transaction state is output.
Wherein, the first price threshold value can be: 500 yuan to 200 ten thousand yuan, preferably 100 ten thousand yuan;
the second threshold value may be: 500 yuan to 10 ten thousand yuan, preferably 5 ten thousand yuan;
the third valence lattice threshold may be: 500 yuan to 5 ten thousand yuan, preferably 5000 yuan.
As a variation of the present invention, referring to fig. 1, the step of determining whether the first consumption amount matches the first consumption capacity value, if not, outputting a first matching behavior corresponding to the first transaction state, and if so, outputting a second matching behavior corresponding to the first transaction state includes:
the database is prestored with a first preset threshold value and a second preset threshold value, and when the processor judges that the first consumption capacity value is greater than the first preset threshold value, the processor outputs the first-level data of the user as a first-level user;
when the processor judges that the first consumption capacity value is smaller than or equal to a first preset threshold value and larger than a second preset threshold value, the processor outputs the first-level data of the user as a second-level user;
when the processor judges that the first consumption capacity value is smaller than or equal to a second preset threshold value, the first-level data of the user is output as a third-level user;
the data acquisition module can acquire a product type label corresponding to the second transaction data;
the database prestores commodity price data corresponding to the product type labels;
the processor judges whether the first consumption capacity value is that the first consumption amount of the primary user is larger than the commodity price data, if not, a first matching behavior corresponding to the first transaction state is output, and if so, a second matching behavior corresponding to the first transaction state is output;
the processor judges whether the first consumption capacity value is that the first consumption amount of the secondary user is between the commodity price data minus the first reference price and the commodity price data plus the first reference price, if not, a first matching behavior corresponding to the first transaction state is output, and if so, a second matching behavior corresponding to the first transaction state is output;
the processor judges whether the first consumption capacity value is that the first consumption amount of the third-level user is smaller than the commodity price data, if not, a first matching behavior corresponding to the first transaction state is output, and if so, a second matching behavior corresponding to the first transaction state is output.
According to the invention, by setting the product type labels and the median of the commodity price data corresponding to the product type labels, the processor judges the consumption capacity of the corresponding user according to the first consumption amount of the user corresponding to different first-level data, namely, when the first consumption capacity value is that whether the first consumption amount of the first-level user is higher than the median of the commodity price data, whether the first consumption capacity value is that whether the first consumption amount of the second-level user is close to the median of the commodity price data, and whether the first consumption capacity value is that whether the first consumption amount of the third-level user is lower than the median of the commodity price data, the corresponding first matching behavior or second matching behavior is respectively output, so that the users with different first-level data can correspond to different first matching behaviors or second matching behaviors when transacting the same commodity, and the safety and convenience of the users with different first-level data in financial transaction are further improved.
Wherein the commodity price data is a median of price labels corresponding to the product category labels.
Wherein, the commodity price data can be 1 yuan to 100 ten thousand yuan, preferably 1000 yuan. Wherein, the first reference price can be 1-2000 yuan, preferably 500 yuan.
As a variation of the present invention, referring to fig. 1, the step of determining whether the first consumption amount matches the first consumption capacity value, if not, outputting a first matching behavior corresponding to the first transaction state, and if so, outputting a second matching behavior corresponding to the first transaction state includes:
the database is prestored with a first preset threshold value and a second preset threshold value, and when the processor judges that the first consumption capacity value is greater than the first preset threshold value, the processor outputs the first-level data of the user as a first-level user;
when the processor judges that the first consumption capacity value is smaller than or equal to a first preset threshold value and larger than a second preset threshold value, the processor outputs the first-level data of the user as a second-level user;
when the processor judges that the first consumption capacity value is smaller than or equal to a second preset threshold value, the first-level data of the user is output as a third-level user;
the data acquisition module can acquire a product type label corresponding to the second consumption data;
the database is prestored with a first price threshold corresponding to the first-level user, a second price threshold corresponding to the second-level user, a third price threshold corresponding to the third-level user and commodity price data corresponding to the product category label;
the processor judges whether the first consumption capacity value is that the first consumption amount of the first-level user is larger than a first price threshold and larger than the commodity price data or whether the first consumption capacity value is that the first consumption amount of the first-level user is larger than the first price threshold and smaller than the commodity price data, if yes, a first matching behavior corresponding to the first transaction state is output;
the processor judges whether the first consumption capacity value is that the first consumption amount of the primary user is smaller than a first price threshold value and larger than commodity price data, and if yes, a third matching behavior corresponding to the first transaction state is output;
the processor judges whether the first consumption capacity value is that the first consumption amount of the primary user is smaller than a first price threshold and smaller than commodity price data, and if yes, a second matching behavior corresponding to the first transaction state is output;
the processor judges whether the first consumption capacity value is that the first consumption amount of the secondary user is larger than a second price threshold value and larger than the commodity price data and a first reference price, and if so, outputs a first matching behavior corresponding to the first transaction state;
the processor judges whether the first consumption capacity value is that the first consumption amount of the secondary user is larger than a second price threshold and smaller than the commodity price data and a first reference price or whether the first consumption amount of the secondary user is smaller than the second price threshold and larger than the commodity price data and the first reference price, and if yes, a second matching behavior corresponding to the first transaction state is output;
the processor judges whether the first consumption capacity value is that the first consumption amount of the secondary user is smaller than a second price threshold value and smaller than the commodity price data plus a first reference price, and if so, outputs a third matching behavior corresponding to the first transaction state;
the processor judges whether the first consumption capacity value is that the first consumption amount of the third-level user is smaller than a third price threshold and smaller than the commodity price data, and if yes, a third matching behavior corresponding to the first transaction state is output;
the processor judges whether the first consumption capacity value is that the first consumption amount of the third-level user is larger than a third price threshold and smaller than the commodity price data or smaller than the third price threshold and larger than the commodity price data, and if yes, a second matching behavior corresponding to the first transaction state is output;
the processor judges whether the first consumption capacity value is that the first consumption amount of the third-level user is larger than the third price threshold and larger than the commodity price data, and if yes, a first matching behavior corresponding to the first transaction state is carried out.
The processor judges the consumption capacity of the corresponding user through the first consumption amount of the user corresponding to different first-level data, namely, judges the size relationship between the first consumption amount of the user with different first-level data and the median of the corresponding commodity price, and outputs corresponding first matching behavior and second matching behavior to reduce the early warning times of the first-level user with high assets, improve the convenience of financial transaction, increase the early warning times of the third-level user with low assets and improve the safety of financial transaction, so that the safety and the convenience of financial transaction of the users with different first-level data are considered, and the users with different first-level data can correspond to different first matching behaviors or second matching behaviors when the same commodity is transacted, thereby further improving the safety and the convenience of the users with different first-level data when the financial transaction is carried out.
The first matching action may be a termination transaction or a multiple verification transaction, for example, a transaction stop command is sent to terminate the transaction, then the verification is performed by the mobile phone verification code, and finally the identity information is verified.
Wherein the second matching action may be a medium level verification transaction, such as verifying only identity information.
Wherein the third matching action may be a secret-free transaction or a low-level verification transaction, such as directly conducting a secret-free transaction.
For example, when the first price threshold of the first-level user a is 10 ten thousand yuan and the commodity price data is 1000 yuan, and the processor outputs the first consumption amount to be 20 yuan through inputting the second consumption data by the first user, if the first consumption amount is greater than the corresponding first price threshold by 10 ten thousand yuan and is greater than the commodity price data by 1000 yuan, a first matching behavior corresponding to the first transaction state is output;
when the processor outputs a first consumption amount of 5 ten thousand yuan through inputting second consumption data by the user A, and the first consumption amount is smaller than a corresponding first price threshold value by 10 ten thousand yuan and is larger than 1000 yuan of commodity price data, a third matching behavior corresponding to the first transaction state is output;
when the processor outputs a first consumption amount of 800 yuan through inputting second consumption data by the user A, and the first consumption amount is smaller than a corresponding first price threshold value by 10 ten thousand yuan and is smaller than 1000 yuan of commodity price data, a second matching behavior corresponding to the first transaction state is output;
for example, when the third price threshold of the third-level user c is 1000 yuan, the commodity price data is 500 yuan, and the processor outputs the first consumption amount of 200 yuan through the second consumption data input by the user a, if the first consumption amount is less than the corresponding third price threshold 1000 yuan and less than 500 yuan of the commodity price data, a third matching behavior corresponding to the first transaction state is output;
when the processor outputs a first consumption amount of 200 yuan through inputting second consumption data by the user A, if the first consumption amount is smaller than a corresponding third price threshold value by 1000 yuan and is larger than the commodity price data by 500 yuan, outputting a second matching behavior corresponding to the first transaction state;
and when the processor outputs the first consumption amount to be 1200 yuan through inputting the second consumption data by the user A, and the first consumption amount is larger than the corresponding third price threshold value by 1000 yuan and is larger than the commodity price data by 500 yuan, outputting a first matching behavior corresponding to the first transaction state.
Preferably, the processor calculates a first number a of occurrences of the first matching behavior and a third number b of occurrences of the third matching behavior within the first unit time;
when the first-level data is a first-level user, the processor outputs a first price threshold L1 and commodity price data P according to the following formula every time a first matching behavior, a second matching behavior or a third matching behavior is output
When the first-level data are secondary users and tertiary users, and the processor outputs a second price threshold L2, a third price threshold L3 and commodity price data P according to the following formulas every time a first matching behavior, a second matching behavior or a third matching behavior is output
And the processor updates the output first price threshold L1, second price threshold L2, third price threshold L3 and commodity price data P to the database.
According to the method, the first price threshold value L1, the commodity price data P, the second price threshold value L2 and the third price threshold value L3 are influenced through the first number a of occurrences of the first matching behavior and the third number b of occurrences of the third matching behavior. That is, the more the first time a of the primary user, i.e., the more the transaction is terminated or the multiple verification transactions are, the lower the first price threshold L1, the higher the price data P of the commodity, and the more the first time a tends to increase. The more the third time b of the first-level user is, namely the more the secret-free transaction or the lower-level verification transaction is, the higher the first price threshold L1 is, the lower the commodity price data P is, so that the third time b tends to increase; the more the first times a of the secondary users and the tertiary users are, namely the more the transaction is terminated or the multiple verification transactions are, the lower the second price threshold value L2 and the third price threshold value L3 are, the lower the commodity price data P is, so that the first times a tend to increase more. The more the third times b of the secondary users and the tertiary users, namely the more the secret-free transaction or the low-level verification transaction, the higher the second price threshold value L2 and the higher the commodity price data P, the more the third times b tend to increase.
According to the invention, by setting the formula, when the processor outputs the first matching behavior, the second matching behavior or the third matching behavior each time, the user output first price threshold L1, commodity price data P, the second price threshold L2 and the third price threshold L3 corresponding to different first-level data are updated, so that the rationality and the safety of financial transactions of the user are improved.
According to the invention, because the first time a has little chance of being increased, the influence on the first price threshold L1 is smaller when the change times of the first time a in the later period are more and the weight of the first time a is increased, so that the relative stability of the first price threshold L1 is ensured.
Wherein, the first unit time may be: 1 to 5 days, preferably 2 days.
Wherein, the step of the processor calculating the first time a of the occurrence of the first matching behavior and the third time b of the occurrence of the third matching behavior in the first unit time may be: in a first unit time before the user inputs the second transaction data, namely, the time when the user inputs the second transaction data is taken as an end time, and in the first unit time before the end, the processor can calculate a first number a of occurrences of the first matching behavior and a third number b of occurrences of the third matching behavior in the first unit time.
Of course, the step of the processor calculating the first occurrence a of the first matching activity and the third occurrence b of the third matching activity within the first unit time may also be: there are a plurality of adjacent first unit times on the time axis, the processor being capable of calculating: a first number a of occurrences of a first matching activity and a third number b of occurrences of a third matching activity in a time period of a first unit time before the time period of the first unit time at which the second transaction data is input by the user.
Where e is equal to about 2.72.
Preferably, the database is pre-stored with deposit data;
the processor outputs a corresponding deposit coefficient t according to the deposit data;
the processor calculates a first occurrence number a of first matching behaviors and a third occurrence number b of third matching behaviors in a first unit time;
when the first-level data is a first-level user, and the processor outputs a first price threshold L1 and commodity price data P according to the following formula every time a first matching behavior or a second matching behavior or a third matching behavior is output
When the first-level data are secondary users and tertiary users, and the processor outputs a second price threshold L2, a third price threshold L3 and commodity price data P according to the following formulas every time a first matching behavior, a second matching behavior or a third matching behavior is output
And the processor updates the output first price threshold L1, second price threshold L2, third price threshold L3 and commodity price data P to the database.
According to the method, the deposit coefficient t corresponding to deposit data output and deposit data is set, and the first price threshold L1, commodity price data P, the second price threshold L2 and the third price threshold L3 are influenced through the first number a of occurrences of a first matching behavior and the third number b of occurrences of a third matching behavior. That is, the more the first time a of the primary user, i.e., the more the transaction is terminated or the multiple verification transactions are, the lower the first price threshold L1, the higher the price data P of the commodity, and the more the first time a tends to increase. The more the third time b of the first-level user is, namely the more the secret-free transaction or the lower-level verification transaction is, the higher the first price threshold L1 is, the lower the commodity price data P is, so that the third time b tends to increase; the more the first times a of the secondary users and the tertiary users are, namely the more the transaction is terminated or the multiple verification transactions are, the lower the second price threshold value L2 and the third price threshold value L3 are, the lower the commodity price data P is, so that the first times a tend to increase more. The more the third times b of the secondary users and the tertiary users, namely the more the secret-free transaction or the low-level verification transaction, the higher the second price threshold value L2 and the higher the commodity price data P, the more the third times b tend to increase.
According to the invention, by setting the formula, when the processor outputs the first matching behavior, the second matching behavior or the third matching behavior each time, the first price threshold L1, the commodity price data P, the second price threshold L2 and the third price threshold L3 which are output by the user and correspond to different first-level data are updated, so that the rationality and the safety of financial transactions of the user are improved.
The present invention increases the weight of the deposit coefficient t by recognizing more deposit data, and reduces the influence of the first order a and the third order b on the first price threshold L1, the commodity price data P, the second price threshold L2, and the third price threshold L3 so that the change width of the first price threshold L1, the commodity price data P, the second price threshold L2, and the third price threshold L3 decreases as the deposit coefficient t increases.
The weight of the deposit coefficient t is reduced by recognizing less deposit data, so that the influence of the first order a and the third order b on the first price threshold L1, the commodity price data P, the second price threshold L2 and the third price threshold L3 is increased, and the change range of the first price threshold L1, the commodity price data P, the second price threshold L2 and the third price threshold L3 is increased when the deposit coefficient t is smaller.
Where t is a number around 10.
For example, the credit data may have a corresponding credit coefficient t as shown in table 2 below:
TABLE 2
For example, the deposit data of the first-level user A is 400 ten thousand yuan, the corresponding deposit coefficient t is 10, the first time a is 1, the third time b is 2, the first price threshold L1 is 10 ten thousand yuan, the commodity price data P is 1000 yuan, and the deposit data is output according to a formula
When the first price threshold value L1 is changed from 100000 yuan to 99933 yuan and 67/100000 is changed, the processor updates the first price threshold value L1 with the output value of 99933 yuan to the database, when a user inputs second transaction data next time, the processor inputs the first price threshold value L1 with the value of 99933 yuan into the formula to output a new first price threshold value L1 to be updated to the database, the commodity price data P is changed from 1000 yuan to 1000.67 yuan and is changed to 67/100000, the processor updates the commodity price data P with the output value of 1000.67 yuan to the database, and when the user inputs second transaction data next time, the commodity price data P with the value of 1000.67 yuan into the formula to output a new commodity price data P to be updated to the database;
because the deposit data of the first-level user A is very high, the weight of the deposit coefficient t is increased in the formula, so that the influence of the first time a and the third time b on the first price threshold L1 and the commodity price data P is reduced, and the change amplitude of the first price threshold L1 and the commodity price data P along with the first time a and the third time b is very small;
for example, the deposit data of the third-level user C is 2000 yuan, the corresponding deposit coefficient t is 8, the first time a is 1, the third time b is 2, the third price threshold L3 is 1000 yuan, the commodity price data P is 500 yuan, and the deposit data is output according to the formula
The processor updates the output third price threshold value L3 with the value of 999.16 yuan to the database, outputs a new third price threshold value L3 to the database by substituting the output third price threshold value L3 with the value of 999.16 yuan when the user inputs the second transaction data next time, outputs a new third price threshold value L3 to the database, changes the commodity price data P from 500 yuan to 500.42 and changes 84/100000, updates the output commodity price data P with the value of 3536 yuan to the database, and outputs a new commodity price data P to the database by substituting the output commodity price data P with the value of 500.42 yuan when the user inputs the second transaction data next time;
because the deposit data of the third-level user C is not high, the weight of the deposit coefficient t is reduced in the formula, so that the influence of the first time a and the third time b on the third price threshold L3 and the commodity price data P is increased, and the change amplitude of the third price threshold L3 and the commodity price data P along with the first time a and the third time b is large.
Preferably, the first-level data may include a first-level user, a second-level user, and a third-level user, the first-level user may be a high-consumption user, the first transaction state corresponding to the first-level user is a low-level early warning state, the second-level user may be a medium-consumption user, the first transaction state corresponding to the second-level user is a medium-level early warning state, the third-level user may be a low-level consumption user, and the first transaction state corresponding to the third-level user is a comprehensive early warning state.
According to the invention, through the arrangement, the user is divided into different first-grade data, and different early warning states corresponding to the different first-grade data are set, so that the financial problem processing is more reasonable and efficient.
Preferably, the total price threshold comprises a first price threshold corresponding to the primary user, a second price threshold corresponding to the secondary user, and a third price threshold corresponding to the tertiary user.
Preferably, the database is pre-stored with first keyword data and estimated money amount corresponding to the first keyword data.
Preferably, the processor is electrically connected with the data acquisition module.
Preferably, the processor is electrically connected to the rating module.
Preferably, the database is pre-stored with balance data updated by the user in real time.
The invention relates to a transaction method of a financial security system, which comprises the following steps:
pre-storing first transaction data of a user;
collecting second transaction data input by a user;
outputting a first consumption capacity value through the first transaction data, outputting a first consumption amount through the second transaction data, converting the second transaction data into first transaction data and storing the first transaction data in a database;
grade evaluation is carried out on the user through the first consumption capacity value, and first grade data of the user are output;
defining a corresponding first transaction state according to different first grade data, judging whether the first consumption amount is matched with the first consumption capacity value or not in the first transaction state, if not, outputting a first matching behavior corresponding to the first transaction state, and if so, outputting a second matching behavior corresponding to the first transaction state.
The above-described embodiments are merely illustrative of the preferred embodiments of the present invention, and do not limit the scope of the present invention, and various modifications and improvements made to the technical solution of the present invention by those skilled in the art without departing from the spirit of the present invention should fall within the protection scope defined by the claims of the present invention.
Claims (7)
1. A financial security system, characterized by: comprises that
A database in which first transaction data of a user is prestored;
the data acquisition module is used for acquiring second transaction data input by a user;
the processor outputs a first consumption capacity value through the first transaction data, outputs a first consumption amount through the second transaction data, converts the second transaction data into the first transaction data and stores the first transaction data in the database;
the rating module is used for evaluating the grade of the user through the first consumption capacity value and outputting first grade data of the user;
the processor defines a corresponding first transaction state according to different first grade data, and in the first transaction state, the processor is used for judging whether the first consumption amount is matched with the first consumption capacity value, if not, outputting a first matching behavior corresponding to the first transaction state, and if so, outputting a second matching behavior corresponding to the first transaction state;
the step that the processor is used for judging whether the first consumption amount is matched with the first consumption capacity value or not, if not, outputting a first matching behavior corresponding to the first transaction state, and if so, outputting a second matching behavior corresponding to the first transaction state comprises the following steps:
the database is prestored with a first preset threshold value and a second preset threshold value, and when the processor judges that the first consumption capacity value is greater than the first preset threshold value, the processor outputs the first-level data of the user as a first-level user;
when the processor judges that the first consumption capacity value is smaller than or equal to a first preset threshold value and larger than a second preset threshold value, the processor outputs the first-level data of the user as a second-level user;
when the processor judges that the first consumption capacity value is smaller than or equal to a second preset threshold value, the first-level data of the user is output as a third-level user;
the data acquisition module can acquire a product type label corresponding to the second consumption data;
the database is prestored with a first price threshold corresponding to the first-level user, a second price threshold corresponding to the second-level user, a third price threshold corresponding to the third-level user and commodity price data corresponding to the product category label;
the processor judges whether the first consumption capacity value is that the first consumption amount of the first-level user is larger than a first price threshold and larger than the commodity price data or whether the first consumption capacity value is that the first consumption amount of the first-level user is larger than the first price threshold and smaller than the commodity price data, if yes, a first matching behavior corresponding to the first transaction state is output;
the processor judges whether the first consumption capacity value is that the first consumption amount of the primary user is smaller than a first price threshold and larger than commodity price data, and if yes, a third matching behavior corresponding to the first transaction state is output;
the processor judges whether the first consumption capacity value is that the first consumption amount of the primary user is smaller than a first price threshold value and smaller than commodity price data, and if yes, a second matching behavior corresponding to the first transaction state is output;
the processor judges whether the first consumption capacity value is that the first consumption amount of the secondary user is larger than a second price threshold value and larger than the commodity price data and a first reference price, and if so, outputs a first matching behavior corresponding to the first transaction state;
the processor judges whether the first consumption capacity value is that the first consumption amount of the secondary user is larger than a second price threshold and smaller than the commodity price data and a first reference price or whether the first consumption amount of the secondary user is smaller than the second price threshold and larger than the commodity price data and the first reference price, and if yes, a second matching behavior corresponding to the first transaction state is output;
the processor judges whether the first consumption capacity value is that the first consumption amount of the secondary user is smaller than a second price threshold value and smaller than the commodity price data plus a first reference price, and if yes, a third matching behavior corresponding to the first transaction state is output;
the processor judges whether the first consumption capacity value is that the first consumption amount of the third-level user is smaller than a third price threshold and smaller than the commodity price data, and if yes, a third matching behavior corresponding to the first transaction state is output;
the processor judges whether the first consumption capacity value is that the first consumption amount of the third-level user is larger than a third price threshold and smaller than the commodity price data or smaller than the third price threshold and larger than the commodity price data, and if yes, a second matching behavior corresponding to the first transaction state is output;
the processor judges whether the first consumption capacity value is that the first consumption amount of the third-level user is larger than the third price threshold and larger than the commodity price data, and if yes, a first matching behavior corresponding to the first transaction state is carried out.
2. A financial security system as claimed in claim 1, wherein:
the first-level data comprises a first-level user, a second-level user and a third-level user, the first-level user is a high-consumption user, the corresponding first transaction state of the first-level user is a low-level early warning state, the second-level user is a medium-consumption user, the corresponding first transaction state of the second-level user is a medium-level early warning state, the third-level user is a low-level consumption user, and the corresponding first transaction state of the third-level user is a comprehensive early warning state.
3. A financial security system as claimed in claim 2, wherein:
the database is prestored with first keyword data and estimated money amount corresponding to the first keyword data.
4. A financial security system as claimed in claim 3, wherein:
the database is prestored with balance data updated by the user in real time.
5. A financial security system as claimed in claim 4, wherein:
the processor is electrically connected with the data acquisition module.
6. A financial security system as claimed in claim 5, wherein:
the processor is electrically connected with the rating module.
7. A financial security method, comprising the steps of:
pre-storing first transaction data of a user;
collecting second transaction data input by a user;
outputting a first consumption capacity value through the first transaction data, outputting a first consumption amount through the second transaction data, converting the second transaction data into first transaction data and storing the first transaction data in a database;
grade evaluation is carried out on the user through the first consumption capacity value, and first grade data of the user are output;
defining a corresponding first transaction state according to different first grade data, judging whether the first consumption amount is matched with the first consumption capacity value or not in the first transaction state, if not, outputting a first matching behavior corresponding to the first transaction state, and if so, outputting a second matching behavior corresponding to the first transaction state;
the step of judging whether the first consumption amount is matched with the first consumption capacity value, if not, outputting a first matching behavior corresponding to the first transaction state, and if so, outputting a second matching behavior corresponding to the first transaction state comprises the following steps:
when the first consumption capacity value is judged to be larger than a first preset threshold value, outputting the first grade data of the user as a first grade user;
when the first consumption capacity value is judged to be smaller than or equal to a first preset threshold value and larger than a second preset threshold value, outputting the first-level data of the user as a second-level user;
when the first consumption capacity value is judged to be smaller than or equal to a second preset threshold value, outputting the first-level data of the user as a third-level user;
judging whether the first consumption capacity value is that whether the first consumption amount of the primary user is larger than a first price threshold and larger than commodity price data or whether the first consumption capacity value is that whether the first consumption amount of the primary user is larger than the first price threshold and smaller than the commodity price data or not, and if yes, outputting a first matching behavior corresponding to the first transaction state;
judging whether the first consumption capacity value is that the first consumption amount of the primary user is smaller than a first price threshold and larger than commodity price data, if so, outputting a third matching behavior corresponding to the first transaction state;
judging whether the first consumption capacity value is that the first consumption amount of the primary user is smaller than a first price threshold and smaller than commodity price data, if so, outputting a second matching behavior corresponding to the first transaction state;
judging whether the first consumption capacity value is that the first consumption amount of the secondary user is larger than a second price threshold value and larger than the commodity price data plus a first reference price, if so, outputting a first matching behavior corresponding to the first transaction state;
judging whether the first consumption capacity value is that whether the first consumption amount of the secondary user is larger than a second price threshold and smaller than the commodity price data plus a first reference price or whether the first consumption capacity value is that whether the first consumption amount of the secondary user is smaller than the second price threshold and larger than the commodity price data plus the first reference price, and if so, outputting a second matching behavior corresponding to the first transaction state;
judging whether the first consumption capacity value is that the first consumption amount of the secondary user is smaller than a second price threshold value and smaller than the commodity price data plus a first reference price, if so, outputting a third matching behavior corresponding to the first transaction state;
judging whether the first consumption capacity value is that the first consumption amount of the third-level user is smaller than a third price threshold and smaller than the commodity price data, if so, outputting a third matching behavior corresponding to the first transaction state;
judging whether the first consumption capacity value is that the first consumption amount of the third-level user is larger than a third price threshold and smaller than the commodity price data or smaller than the third price threshold and larger than the commodity price data, and if so, outputting a second matching behavior corresponding to the first transaction state;
and judging whether the first consumption capacity value is the first consumption amount of the third-level user is larger than the third price threshold and larger than the commodity price data, if so, performing a first matching behavior corresponding to the first transaction state.
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| CN108830584A (en) * | 2018-06-14 | 2018-11-16 | 腾讯科技（深圳）有限公司 | Message prompt method, device, server and storage medium |
| CN108985553A (en) * | 2018-06-05 | 2018-12-11 | 中国平安人寿保险股份有限公司 | A kind of recognition methods and equipment of abnormal user |
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| CN105550876A (en) * | 2015-10-30 | 2016-05-04 | 东莞酷派软件技术有限公司 | Mobile payment monitoring method and system and intelligent terminal |
| CN108985553A (en) * | 2018-06-05 | 2018-12-11 | 中国平安人寿保险股份有限公司 | A kind of recognition methods and equipment of abnormal user |
| CN108830584A (en) * | 2018-06-14 | 2018-11-16 | 腾讯科技（深圳）有限公司 | Message prompt method, device, server and storage medium |
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