CN114841698A - Transaction information processing method and device and computer readable storage medium - Google Patents

Abstract

The invention discloses a transaction information processing method and device and a computer-readable storage medium, and relates to the technical field of cloud computing. Wherein, the method comprises the following steps: acquiring transaction information to be verified, wherein the transaction information is information for performing transaction between a first transaction object and a second transaction object, and the transaction information at least comprises transaction amount; determining at least one target server for verifying transaction information based on the transaction amount, wherein the target server at least comprises a main server and an edge server; and verifying the transaction information based on at least one target server to generate a target verification result, wherein the target verification result represents whether the transaction between the first transaction object and the second transaction object has fraud behaviors. The invention solves the technical problem of overlarge server load pressure and concurrency pressure caused by that only the main server is adopted for anti-fraud identification in the prior art.

Description

Transaction information processing method, device and computer-readable storage medium

technical field

The present invention relates to the technical field of cloud computing, and in particular, to a method, device and computer-readable storage medium for processing transaction information.

Background technique

With the development of science and technology, the rise of payment methods such as QR codes and POS machines and the emergence of third-party payment platforms have brought great convenience to users' transactions, but also triggered more and more transaction fraud incidents. Many criminals steal users' account information through Trojan viruses, phishing websites, disguised administrator identity, etc., and use the stolen accounts to conduct transactions, causing property losses to the account owners. In addition, criminals tamper with transaction links and overwrite transactions. The original collection account is replaced by QR code and other methods, resulting in property loss of the collection account.

At present, the anti-fraud systems of financial institutions are deployed on their respective core servers, and there is a problem that the transaction anti-fraud identification cannot be covered to all transactions. At the same time, there is a large network delay between the transaction terminal and the core server of the financial institution. Interactions are susceptible to network fluctuations. During the peak period when mobile transaction requests are initiated, high concurrent transaction requests will increase the load pressure and concurrency pressure on the transaction core server.

For the above problems, no effective solution has been proposed yet.

SUMMARY OF THE INVENTION

Embodiments of the present invention provide a transaction information processing method, device, and computer-readable storage medium, so as to at least solve the technical problem of excessive server load pressure and concurrency pressure caused by only using the main server for anti-fraud identification in the prior art .

According to an aspect of the embodiments of the present invention, a method for processing transaction information is provided, including: acquiring transaction information to be verified, wherein the transaction information is information of a transaction between a first transaction object and a second transaction object, and the transaction The information includes at least the transaction amount; at least one target server for verifying the transaction information is determined based on the transaction amount, wherein the target server at least includes a main server and an edge server; the transaction information is verified based on the at least one target server, and a target verification result is generated, wherein , and the target verification result indicates whether there is fraud in the transaction between the first transaction object and the second transaction object.

Further, the processing method of transaction information further includes: determining the transaction type corresponding to the transaction information according to the transaction amount; when the transaction type is the first transaction type, determining that the target server is an edge server; when the transaction type is the second transaction type, The importance level of the transaction information is determined, and the target server is determined according to the importance level, wherein the transaction amount corresponding to the first transaction type is smaller than the transaction amount corresponding to the second transaction type.

Further, the processing method of transaction information also includes: when the importance level of the transaction information is the first importance level, determining the target server as the edge server; when the importance level of the transaction information is the second importance level, determining the target server is the main server. , where the first importance level is lower than the second importance level.

Further, the method for processing transaction information further includes: when the load of the edge server is less than or equal to a preset load threshold, controlling the edge server to verify the transaction information; when the load of the edge server is greater than the preset load threshold, controlling the edge server to forward The transaction information is sent to the main server, so that the main server can verify the transaction information.

Further, the transaction information processing method further includes: verifying the transaction information to obtain a verification result; counting the number of failed verifications according to the verification result to obtain a statistical number; when the statistical number is less than a preset number, and the alarm number is less than a preset alarm number When the number of times is, it is determined that the transaction between the first transaction object and the second transaction object is a normal transaction, wherein the number of alarms represents the number of transaction alarms corresponding to the first transaction object within a preset time period.

Further, the method for processing transaction information further includes: when the counted number of times is greater than or equal to a preset number of times, generating alarm information, and performing an operation of adding one to the number of alarms.

Further, the method for processing transaction information further includes: when the number of alarms is greater than or equal to the preset number of alarms, verifying the identity information of the first transaction object; when the identity information of the first transaction object does not meet the first verification condition, Determine that the transaction between the first transaction object and the second transaction object is a fraudulent transaction; when the identity information of the first transaction object meets the first verification condition, verify the identity information of the second transaction object; When the identity information satisfies the second verification condition, it is determined that the transaction between the first transaction object and the second transaction object is a normal transaction.

Further, the method for processing transaction information further includes: verifying the transaction terminal information to obtain a first verification result, and when the first verification result indicates that the transaction terminal information is inconsistent with the preset terminal information of the first transaction object, performing the counting of times. Add one operation.

Further, the method for processing transaction information further includes: verifying the transaction address information to obtain a second verification result, and when the second verification result indicates that the transaction address information is inconsistent with the preset transaction address information of the first transaction object, count the number of times. Add one operation.

Further, the method for processing transaction information further includes: verifying the network address information to obtain a third verification result, and when the third verification result indicates that the network address information is inconsistent with the preset network address information of the first transaction object, count the number of times. Add one operation.

Further, the method for processing transaction information further includes: verifying the number of transactions to obtain a fourth verification result, and when the fourth verification result indicates that the number of transactions is inconsistent with the preset number of transactions for the first transaction object, adding one to the number of statistics. operate.

Further, the method for processing transaction information further includes: when it is determined that the transaction between the first transaction object and the second transaction object is a fraudulent transaction, sending transaction information of the fraudulent transaction to the edge server, and updating the fraudulent transaction stored in the edge server. The identity information of the transaction object of the transaction.

According to another aspect of the embodiment of the present invention, there is also provided a transaction information processing device, comprising: an acquisition module for acquiring transaction information to be verified, wherein the transaction information is the difference between the first transaction object and the second transaction object The transaction information includes at least the transaction amount; the determination module is used to determine at least one target server that verifies the transaction information based on the transaction amount, wherein the target server at least includes the main server and the edge server; the verification module is used for The transaction information is verified based on at least one target server, and a target verification result is generated, wherein the target verification result represents whether there is fraud in the transaction between the first transaction object and the second transaction object.

According to another aspect of the embodiments of the present invention, there is also provided a computer-readable storage medium, where a computer program is stored in the computer-readable storage medium, wherein the computer program is configured to execute the above-mentioned transaction information processing method when running. .

According to another aspect of the embodiments of the present invention, there is also provided an electronic device, the electronic device includes one or more processors; a memory for storing one or more programs, when the one or more programs are processed by one or more When each processor is executed, one or more processors are implemented to run a program, wherein the program is configured to execute the above-mentioned transaction information processing method when running.

According to another aspect of the embodiments of the present invention, a computer program product is also provided, including a computer program/instruction, when the computer program/instruction is executed by a processor, the above-mentioned processing method of transaction information is implemented.

In the embodiment of the present invention, different servers are used to verify the transaction information. First, the transaction information to be verified is obtained, and at least one target server for verifying the transaction information is determined based on the transaction amount, and then the transaction information is verified based on the at least one target server. The information is verified, and the target verification result is generated. Wherein, the transaction information is the transaction information between the first transaction object and the second transaction object, the transaction information at least includes the transaction amount, the target server includes at least the main server and the edge server, and the target verification result represents the first transaction object and the second transaction. Whether transactions between objects are fraudulent.

In the above process, for transactions with different transaction amounts, different servers are used to verify the transaction information, which reduces the load pressure and concurrency pressure of the main server, provides fast anti-fraud identification protection for transactions, and ensures the property of both parties. It is safe, avoiding the situation that the anti-fraud identification of transactions cannot be covered to all transactions caused by deploying the anti-fraud system on the main server in the prior art. In addition, compared with the fixed distance between the main server and the user in the current technology, by using the edge server closer to the user to verify the transaction information, it is possible to quickly interact with the user and respond to the user's request. Interaction delay between server and user.

It can be seen that, through the technical solution of the present invention, the purpose of expanding the coverage of transaction anti-fraud is achieved, thereby achieving the technical effect of reducing the risk of transaction occurrence and improving the speed of transaction anti-fraud identification, thereby solving the problem of only using The technical problem of excessive server load pressure and concurrency pressure caused by the main server's anti-fraud identification.

Description of drawings

The accompanying drawings described herein are used to provide a further understanding of the present invention and constitute a part of the present application. The exemplary embodiments of the present invention and their descriptions are used to explain the present invention and do not constitute an improper limitation of the present invention. In the attached image:

1 is a flowchart of an optional transaction information processing method according to an embodiment of the present invention;

2 is a schematic diagram of an optional transaction anti-fraud system according to an embodiment of the present invention;

3 is a flow chart of an optional transaction anti-fraud system according to an embodiment of the present invention;

4 is a flowchart of an optional transaction anti-fraud identification according to an embodiment of the present invention;

5 is a flowchart of an optional anti-fraud data and list update according to an embodiment of the present invention;

6 is a schematic diagram of an optional transaction information processing apparatus according to an embodiment of the present invention;

FIG. 7 is a schematic diagram of an optional electronic device according to an embodiment of the present invention.

Detailed ways

In order to make those skilled in the art better understand the solutions of the present invention, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only Embodiments are part of the present invention, but not all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without creative efforts shall fall within the protection scope of the present invention.

It should be noted that the terms "first", "second" and the like in the description and claims of the present invention and the above drawings are used to distinguish similar objects, and are not necessarily used to describe a specific sequence or sequence. It is to be understood that the data so used may be interchanged under appropriate circumstances such that the embodiments of the invention described herein can be practiced in sequences other than those illustrated or described herein. Furthermore, the terms "comprising" and "having" and any variations thereof, are intended to cover non-exclusive inclusion, for example, a process, method, system, product or device comprising a series of steps or units is not necessarily limited to those expressly listed Rather, those steps or units may include other steps or units not expressly listed or inherent to these processes, methods, products or devices.

It should be noted that the relevant information (including but not limited to user equipment information, user personal information, etc.) and data (including but not limited to display data, analysis data, etc.) involved in the present invention are all authorized by the user or information and data fully authorized by the parties. For example, there is an interface between the system and relevant users or institutions. Before obtaining relevant information, it is necessary to send an acquisition request to the aforementioned users or institutions through the interface, and after receiving the consent information fed back by the aforementioned users or institutions, obtain relevant information. information.

Example 1

According to an embodiment of the present invention, a method embodiment of a method for processing transaction information is provided. It should be noted that the steps shown in the flowchart of the accompanying drawings may be executed in a computer system such as a set of computer-executable instructions, Also, although a logical order is shown in the flowcharts, in some cases the steps shown or described may be performed in an order different from that herein.

FIG. 1 is a flowchart of an optional transaction information processing method according to an embodiment of the present invention. As shown in FIG. 1 , the method includes the following steps:

Step S101, acquiring transaction information to be verified.

In the above steps, the transaction information to be verified can be obtained through electronic equipment, computing equipment, application systems and other devices. In this embodiment, the transaction information to be verified is obtained through the transaction anti-fraud system shown in FIG. 2 . It includes transaction information access module, anti-fraud edge cloud module and anti-fraud core system module.

Among them, the above-mentioned transaction information access module can cover a variety of payment scenarios, such as online payment and offline payment, and is usually deployed in transaction terminals, such as mobile terminals or PC terminals for online transactions, and merchants for offline transactions. terminal or mobile terminal. Optionally, as shown in the information collection process shown in Figure 3, when both parties to a transaction conduct a transaction, the transaction initiator will send transaction information to the financial institution through the transaction terminal, such as a mobile phone, computer and other terminal equipment, including but not limited to. The account number, transaction amount, biometric information such as face recognition, fingerprint recognition, transaction terminal information, transaction address, network information and other information of both parties to the transaction, financial institutions can obtain transaction information to be verified through the above transaction information access module.

It should be noted that, in the above process, the acquired transaction information to be verified includes at least the transaction amount, which provides an information basis for the subsequent judgment of the transaction type.

Step S102, at least one target server for verifying the transaction information is determined based on the transaction amount.

In the above steps, by judging the transaction amount in the transaction information, at least one target server for verifying the transaction information can be determined, and the target server at least includes a main server and an edge server.

Specifically, before the transaction verification, the business department of the financial institution divides the transaction into large-value transactions and small-value transactions according to the size of the transaction amount. The specific division principle is independently set by the business department. A transaction of RMB 10,000 is regarded as a large-value transaction, and a transaction with a transaction amount less than or equal to 10,000 yuan is regarded as a small-value transaction.

Optionally, the anti-fraud edge cloud module as shown in Figure 2 is used as the server for transaction verification for small-value transactions, that is, the edge server, and the anti-fraud core system module is used as the server for transaction verification for large-value transactions, that is, the main server. server. After acquiring the transaction information to be verified, the transaction information access module performs the transaction information feature extraction process as shown in Figure 3, and determines whether the received transaction is a large-value transaction or a small-value transaction according to the transaction amount in the transaction information, Then, the transaction is sent to the corresponding server for transaction verification, that is, the small transaction is sent to its corresponding edge server for transaction verification, and the large transaction is sent to its corresponding main server for transaction verification.

It should be noted that the target server corresponding to the verification of the transaction information can be determined through the transaction amount, thereby providing an accurate basis for the subsequent judgment on whether there is fraud in the transaction.

Step S103, verifying the transaction information based on at least one target server, and generating a target verification result.

In the above steps, after distinguishing large-value and small-value transactions according to the transaction amount and sending them to the corresponding servers, the anti-fraud identification process shown in Figure 3 is performed, and the anti-fraud edge cloud module shown in Figure 2 is used. And the anti-fraud core system module verifies the transaction information to determine whether there is fraud in the transaction.

It should be noted that, using different servers to perform anti-fraud identification on transactions with different transaction amounts, compared with the prior art using only the main server for anti-fraud identification, it can provide fast anti-fraud identification services for small-value transactions, and is effective. The load pressure of the anti-fraud core system of financial institutions is relieved. In addition, the anti-fraud recognition of large-value transactions is implemented on the anti-fraud core system of the financial system, which improves the accuracy of anti-fraud recognition of large-value transactions and ensures the financial stability of large-value transactions. Safety.

Based on the solutions defined in the above steps S101 to S103, it can be known that, in this embodiment of the present invention, different servers are used to verify the transaction information, and the transaction information to be verified is first obtained, and the transaction information is determined based on the transaction amount. The verified at least one target server verifies the transaction information based on the at least one target server to generate a target verification result. Wherein, the transaction information is the transaction information between the first transaction object and the second transaction object, the transaction information at least includes the transaction amount, the target server includes at least the main server and the edge server, and the target verification result represents the first transaction object and the second transaction. Whether transactions between objects are fraudulent.

It is easy to notice that in the above process, for transactions of different transaction amounts, different servers are used to verify transaction information, which reduces the load pressure and concurrency pressure of the main server, and can provide fast anti-fraud identification protection for transactions. The property safety of both parties of the transaction is ensured, and the situation in which the anti-fraud identification of the transaction cannot be covered to all transactions caused by deploying the anti-fraud system on the main server in the prior art is avoided. In addition, compared with the fixed distance between the main server and the user in the current technology, by using the edge server closer to the user to verify the transaction information, it is possible to quickly interact with the user and respond to the user's request. Interaction delay between server and user.

It can be seen that, through the technical solution of the present invention, the purpose of expanding the coverage of transaction anti-fraud is achieved, thereby achieving the technical effect of reducing the risk of transaction occurrence and improving the speed of transaction anti-fraud identification, thereby solving the problem of only using The technical problem of excessive server load pressure and concurrency pressure caused by the main server's anti-fraud identification.

In an optional embodiment, in the process of determining at least one target server that verifies the transaction information based on the transaction amount, the transaction type corresponding to the transaction information is determined according to the transaction amount, and when the transaction type is the first transaction type , determine that the target server is an edge server, and when the transaction type is the second transaction type, determine the importance level of the transaction information, and determine the target server according to the importance level, wherein the transaction amount corresponding to the first transaction type is less than that of the second transaction type. the corresponding transaction amount.

Optionally, the first transaction type may refer to a small-value transaction, and the second transaction type may refer to a large-value transaction. When the transaction type is a large-value transaction, the transaction information may be further subdivided according to the importance level. The functions of biometric feature extraction, device feature extraction, and alarm SMS sending in transactions are regarded as non-core content in transaction information of large-value transactions, so that the corresponding server is determined according to the importance level.

It should be noted that determining the target server according to the importance level realizes further detailed classification of transaction information, thereby providing a basis for the subsequent accurate determination of the target server.

In an optional embodiment, in the process of determining the target server according to the importance level, when the importance level of the transaction information is the first importance level, the target server is determined to be the edge server, and when the importance level of the transaction information is the second importance level When the importance level is determined, the target server is determined as the master server, wherein the first importance level is lower than the second importance level.

Optionally, functions such as biometric feature extraction, device feature extraction, and alarm SMS sending in large-value transactions are regarded as non-core content in the transaction information of large-value transactions, and the corresponding importance level may be the first importance level, that is, The server that processes the non-core content in the transaction information of the large-value transaction may be an edge server. It is easy to notice that the above-mentioned edge server can perform transaction verification for small-value transactions, and can also process non-core content in the transaction information of large-value transactions. In addition, the importance level corresponding to the core content in the transaction information of the large-value transaction may be the second importance level, that is, the core content in the transaction information of the large-value transaction is still processed in the main server.

It should be noted that by determining the target server according to the importance level, the non-core content in the large-value transaction can be processed in the edge server, which further relieves the load pressure of the main server and realizes the full utilization of server resources.

In an optional embodiment, after determining that the target server is an edge server, when the load of the edge server is less than or equal to a preset load threshold, the edge server is controlled to verify the transaction information, and when the load of the edge server is greater than the preset load threshold When the load threshold is reached, the edge server is controlled to forward the transaction information to the main server, so that the main server can verify the transaction information.

Optionally, the preset load threshold of the edge server may be the number of task requests in the task process to be processed by the edge server. For example, 100 task requests are used as the preset load threshold, and the load of the edge server is the task to be processed. When the number of requests is less than or equal to 100 pieces, the edge server is controlled to verify the transaction information; when the number of task requests to be processed by the edge server is greater than 100 pieces, the edge server can be controlled to forward the transaction information to the main server, so as to pass the main server Verify transaction information. The transaction type corresponding to the transaction information forwarded by the edge server may be the above-mentioned small-value transaction, or may be non-core content in the transaction information of the above-mentioned large-value transaction.

It should be noted that when the load of the edge server is too high, the transaction information is forwarded to the main server, so that the main server and the edge server can relieve each other's load pressure, and further improve the overall identification efficiency of the anti-fraud identification system. Provides a more secure guarantee for user transactions.

In an optional embodiment, the transaction information includes at least one of the following: identity information of the first transaction object, identity information of the second transaction object, transaction terminal information, transaction address information, network address information, and transaction times, wherein , in the process of verifying the transaction information based on at least one target server and generating the target verification result, first verify the transaction information to obtain the verification result, and then count the number of verification failures according to the verification result, and obtain the statistical number, if the statistical number is less than The preset number of times, and when the number of alarms is less than the preset number of alarms, it is determined that the transaction between the first transaction object and the second transaction object is a normal transaction, wherein the number of alarms represents the number of alarms corresponding to the first transaction object within the preset time period. Number of transaction alerts.

Optionally, the identity information of the transaction object may be the transaction object's account number, face recognition, fingerprint recognition and other biological information; the transaction terminal information may be the terminal equipment commonly used by the transaction object for transactions, such as mobile phones, computers, etc.; transaction address information It can be the geographic location where the transaction object initiates the offline transaction; the network address information can be the network IP address commonly used by the transaction object when the transaction object initiates the online transaction; the number of transactions can refer to the number of transactions initiated by the transaction object within the preset time period. The frequency of transactions.

Specifically, in this embodiment, the transaction information of the transaction initiator will be verified, the number of verification failures, that is, the counted number of times is defined as the variable M, and the threshold of the initiator's verification failure number of alarms, that is, the preset number of times is defined as the variable Mmax, The number of transaction alarms corresponding to the first transaction object within the preset time period is defined as variable D, and the threshold value of the number of transaction alarms corresponding to the first transaction object within the preset time period, that is, the preset number of alarms is defined as variable Dmax. The initial value of the variable is 0.

Optionally, as shown in Figure 4, the above information is verified respectively, and the values of M and D are obtained according to the verification results. When M is less than Mmax and D is less than Dmax, that is, when the number of verification failures and the number of alarms are both less than the threshold, The transaction between the first transaction object and the second transaction object may be determined as a normal transaction.

It should be noted that, by verifying the transaction information, and obtaining the verification result according to the number of failed verifications and the number of alarms, various judgments on the transaction information are realized, and the accuracy and reliability of the transaction verification results are ensured.

In an optional embodiment, when the counted number of times is greater than or equal to a preset number of times, alarm information is generated, and an operation of adding one to the number of alarms is performed. Optionally, the alarm information may be sending prompt information to the mobile phone number registered by the transaction object in the financial institution, so as to remind the transaction object that the transaction being performed by the transaction object may be fraudulent. Specifically, when M is greater than or equal to Mmax, the value of D is increased by 1.

It should be noted that, when the counted number of times is greater than or equal to the preset number of times, alarm information is generated, which can timely remind the transaction object to pay attention to the possible fraudulent behavior in the transaction, thereby reducing the loss of the transaction object.

In an optional embodiment, when the number of alarms is greater than or equal to the preset number of alarms, the identity information of the first transaction object is verified, and when the identity information of the first transaction object does not meet the first verification condition, it is determined that The transaction between the first transaction object and the second transaction object is a fraudulent transaction. When the identity information of the first transaction object satisfies the first verification condition, the identity information of the second transaction object is verified, and the identity information of the second transaction object is verified. When the information satisfies the second verification condition, it is determined that the transaction between the first transaction object and the second transaction object is a normal transaction.

Optionally, the first transaction object may be the initiator of the transaction, and the second transaction object may be the receiver of the transaction; verifying the identity information of the first transaction object may include inputting a dynamic verification code, inputting an ID card number and other verification means. ; The first verification condition may refer to the successful verification of the first transaction object by inputting dynamic verification code, inputting ID card number and other verification means; verifying the identity information of the second transaction object may refer to the second object's account number, terminal, etc. The information is matched with the blacklist stored in the edge server; the second verification condition may refer to the failure to match the second transaction object with the blacklist.

Specifically, when D is greater than or equal to Dmax, the identity information of the transaction initiator is re-verified by the above verification means. When the verification fails, it is determined that the transaction is a fraudulent transaction. When the verification is successful, the identity of the transaction recipient is verified. The information is verified, and the transaction is determined to be a normal transaction when it fails to match the account, terminal and other information of the second object with the blacklist stored in the edge server.

It should be noted that by verifying the identity information of the transaction object, the property security of both parties to the transaction is further ensured.

In an optional embodiment, in the process of verifying the transaction information and obtaining the verification result, verifying the transaction terminal information to obtain a first verification result, where the first verification result represents the transaction terminal information and the first transaction. When the preset terminal information of the object is inconsistent, add one to the counted times. Optionally, the verification of the transaction terminal information may be to match the terminal device used by the first transaction object, that is, the transaction initiator, with the terminal device commonly used in the transaction. When the matching fails, the value of M is increased by 1.

In an optional embodiment, in the process of verifying the transaction information and obtaining the verification result, verifying the transaction address information to obtain a second verification result, where the second verification result represents the transaction address information and the first transaction. When the preset transaction address information of the object is inconsistent, add one to the counted times. Optionally, the verification of the transaction address information may be to match the geographic location of the first transaction object, that is, the transaction initiator, when the offline transaction is initiated, and the address of the transaction recipient. When the matching fails, add 1 to the value of M. .

In an optional embodiment, in the process of verifying the transaction information and obtaining the verification result, the network address information is verified to obtain a third verification result, where the third verification result represents the network address information and the first transaction. When the preset network address information of the object is inconsistent, the counted times are incremented by one. Optionally, the verification of the network address information may be to match the network IP address used by the first transaction object, that is, the transaction initiator, when initiating an online transaction with its commonly used network IP address, and when the matching fails, add 1 to the value of M. .

In an optional embodiment, in the process of verifying the transaction information and obtaining the verification result, the number of transactions is verified to obtain a fourth verification result, where the fourth verification result represents the number of transactions and the relationship between the first transaction object When the preset number of transactions is inconsistent, add one to the number of statistics. Optionally, the number of transactions can be verified by comparing the frequency of transactions initiated by the first transaction object, that is, the transaction initiator, with its historical transaction frequency within a preset time period. If the transaction frequency is much greater than the historical transaction frequency, add the value of M to the value of M. 1.

It should be noted that, in some other embodiments, other anti-fraud verification methods may also be extended, for example, the total amount of the transaction performed by the first transaction object, that is, the transaction initiator, within a preset period of time is verified. For the historical average transaction amount, add 1 to the value of M. The foregoing verification process may be performed in a serial manner or in a parallel manner, which is not limited in this embodiment.

It should be noted that, in some other embodiments, after verifying whether there is fraud in the transaction, the information push process shown in FIG. 3 may also be performed, and the transaction information of the fraudulent transaction and the transaction object of the fraudulent transaction Sending identifying information to financial institutions or judicial authorities.

In an optional embodiment, when it is determined that the transaction between the first transaction object and the second transaction object is a fraudulent transaction, the transaction information of the fraudulent transaction is sent to the edge server, and the fraudulent transaction stored in the edge server is updated. The identity information of the transaction object.

Optionally, FIG. 5 is a flowchart of an optional anti-fraud data and list update according to an embodiment of the present invention. As shown in FIG. 5 , after receiving the transaction anti-fraud verification application submitted by both parties of the transaction, the following steps are performed. The verification process shown in Figure 3. The anti-fraud edge cloud module verifies small-value transactions, and the anti-fraud core system module verifies large-value transactions and small-value transactions forwarded by the anti-fraud edge cloud module. When judging that there is fraud in the transaction, the anti-fraud edge The cloud module sends alarm information to the anti-fraud core system module through an asynchronous interface to warn both parties that the ongoing transaction is a fraudulent transaction. The anti-fraud core system module sends the transaction information of the fraudulent transaction to the anti-fraud edge cloud module through a batch program, and updates the identity information of the transaction object of the fraudulent transaction stored in the anti-fraud edge cloud module, that is, updates the fraud object blacklist. Optionally, the transaction information of fraudulent transactions and the data source of the fraud object blacklist stored in the anti-fraud edge cloud module include but are not limited to the anti-fraud data of the Ministry of Public Security and the credit data of the People's Bank of China. It should be noted that, in this embodiment, only small-value transactions and large-value transactions are used as examples, and the core and non-core contents of large-value transactions are not described. The core content is also applicable to the above-mentioned update process, which is not repeated in this embodiment.

It should be noted that, by updating the identity information of the transaction object of the fraudulent transaction and the transaction information of the fraudulent transaction stored in the edge server, the security guarantee for the transaction object can be further provided.

It can be seen that, through the technical solution of the present invention, the purpose of expanding the coverage of transaction anti-fraud is achieved, thereby achieving the technical effect of reducing the risk of transaction occurrence and improving the speed of transaction anti-fraud identification, thereby solving the problem of only using The technical problem of excessive server load pressure and concurrency pressure caused by the main server's anti-fraud identification.

Example 2

According to an embodiment of the present invention, an embodiment of an apparatus for processing transaction information is provided, wherein FIG. 6 is a schematic diagram of an optional apparatus for processing transaction information according to an embodiment of the present invention. As shown in FIG. 6 , the The device includes: an acquisition module 601 for acquiring transaction information to be verified, wherein the transaction information is the transaction information between the first transaction object and the second transaction object, and the transaction information at least includes the transaction amount; the determination module 602 is used for At least one target server for verifying transaction information is determined based on the transaction amount, wherein the target server at least includes a main server and an edge server; the verification module 603 is configured to verify the transaction information based on the at least one target server, and generate a target verification result, wherein , and the target verification result indicates whether there is fraud in the transaction between the first transaction object and the second transaction object.

It should be noted that the acquisition module 601, the determination module 602, and the verification module 603 correspond to steps S101 to S103 in the above embodiment, and the three modules have the same examples and application scenarios as the corresponding steps, but are not limited to the above What is disclosed in Example 1.

Optionally, the determining module further includes: a first determining module for determining a transaction type corresponding to the transaction information according to the transaction amount; a second determining module for determining that the target server is an edge when the transaction type is the first transaction type. server; a third determining module, configured to determine the importance level of the transaction information when the transaction type is the second transaction type, and determine the target server according to the importance level, wherein the transaction amount corresponding to the first transaction type is smaller than the second transaction type the corresponding transaction amount.

Optionally, the device for processing transaction information further includes: a fourth determination module for determining the target server as an edge server when the importance level of the transaction information is the first importance level; a fifth determination module for determining the target server as an edge server when the transaction information is of the first importance level; When the importance level is the second importance level, the target server is determined as the master server, wherein the first importance level is lower than the second importance level.

Optionally, the transaction information processing device further includes: a first control module for controlling the edge server to verify the transaction information when the load of the edge server is less than or equal to a preset load threshold; a second control module for When the load of the edge server is greater than the preset load threshold, the edge server is controlled to forward the transaction information to the main server, so that the main server verifies the transaction information.

Optionally, the transaction information processing device further includes: a first verification module for verifying the transaction information to obtain a verification result; a statistics module for counting the number of verification failures according to the verification result to obtain the statistical number; a sixth determination The module is used to determine that the transaction between the first transaction object and the second transaction object is a normal transaction when the number of statistics is less than the preset number of times and the number of alarms is less than the preset number of alarms, wherein the number of alarms represents a preset time period. , the number of transaction alarms corresponding to the first transaction object.

Optionally, the apparatus for processing transaction information further includes: an alarm module, configured to generate alarm information when the counted number of times is greater than or equal to a preset number of times, and perform an operation of adding one to the number of alarms.

Optionally, the transaction information processing device further includes: a second verification module for verifying the identity information of the first transaction object when the number of alarms is greater than or equal to the preset number of alarms; a seventh determination module for verifying the identity information of the first transaction object; When the identity information of the first transaction object does not meet the first verification condition, it is determined that the transaction between the first transaction object and the second transaction object is a fraudulent transaction; In the case of a verification condition, verify the identity information of the second transaction object; the eighth determination module is used for determining the relationship between the first transaction object and the second transaction object when the identity information of the second transaction object satisfies the second verification condition transactions are normal transactions.

Optionally, the first verification module further includes: a fourth verification module, configured to verify the transaction terminal information to obtain a first verification result, where the first verification result represents the transaction terminal information and the preset terminal information of the first transaction object. If they are inconsistent, add one to the count.

Optionally, the first verification module further includes: a fifth verification module, configured to verify the transaction address information to obtain a second verification result, where the second verification result represents the transaction address information and the preset transaction address of the first transaction object. When the information is inconsistent, add one to the count.

Optionally, the first verification module further includes: a sixth verification module, configured to verify the network address information to obtain a third verification result, where the third verification result represents the network address information and the preset network address of the first transaction object. When the information is inconsistent, add one to the count.

Optionally, the first verification module further includes: a seventh verification module, configured to verify the number of transactions to obtain a fourth verification result, when the fourth verification result indicates that the number of transactions is inconsistent with the preset number of transactions for the first transaction object , add one to the count.

Optionally, the device for processing transaction information further includes: an update module, configured to send the transaction information of the fraudulent transaction to the edge server when it is determined that the transaction between the first transaction object and the second transaction object is a fraudulent transaction, and update the edge server. The identity information of the transaction object of the fraudulent transaction stored in the server.

Example 3

According to another aspect of the embodiments of the present invention, a computer-readable storage medium is also provided, where a computer program is stored in the computer-readable storage medium, wherein the computer program is configured to execute the above-mentioned transaction information processing method when running.

Example 4

According to another aspect of an embodiment of the present invention, an electronic device is also provided, wherein FIG. 7 is a schematic diagram of an optional electronic device according to an embodiment of the present invention. As shown in FIG. 7 , the electronic device includes an or a plurality of processors; a memory for storing one or more programs which, when executed by one or more processors, cause the one or more processors to be implemented for running the program, wherein the program is arranged The above-mentioned processing method of transaction information is executed at runtime.

Example 5

According to another aspect of the embodiments of the present invention, a computer program product is also provided, including a computer program/instruction, and when the computer program/instruction is executed by a processor, the above-mentioned method for processing transaction information is implemented.

The above-mentioned serial numbers of the embodiments of the present invention are only for description, and do not represent the advantages or disadvantages of the embodiments.

In the above-mentioned embodiments of the present invention, the description of each embodiment has its own emphasis. For parts that are not described in detail in a certain embodiment, reference may be made to related descriptions of other embodiments.

In the several embodiments provided in this application, it should be understood that the disclosed technical content may be implemented in other ways. The device embodiments described above are only illustrative. For example, the division of the units may be a logical function division. In actual implementation, there may be other division methods. For example, multiple units or components may be combined or may be Integration into another system, or some features can be ignored, or not implemented. On the other hand, the shown or discussed mutual coupling or direct coupling or communication connection may be through some interfaces, indirect coupling or communication connection of units or modules, and may be in electrical or other forms.

The units described as separate components may or may not be physically separated, and components shown as units may or may not be physical units, that is, may be located in one place, or may be distributed to multiple units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution in this embodiment.

In addition, each functional unit in each embodiment of the present invention may be integrated into one processing unit, or each unit may exist physically alone, or two or more units may be integrated into one unit. The above-mentioned integrated units may be implemented in the form of hardware, or may be implemented in the form of software functional units.

The integrated unit, if implemented in the form of a software functional unit and sold or used as an independent product, may be stored in a computer-readable storage medium. Based on such understanding, the technical solution of the present invention is essentially or the part that contributes to the prior art, or all or part of the technical solution can be embodied in the form of a software product, and the computer software product is stored in a storage medium , including several instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to execute all or part of the steps of the methods described in the various embodiments of the present invention. The aforementioned storage medium includes: U disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), mobile hard disk, magnetic disk or optical disk and other media that can store program codes .

The above are only the preferred embodiments of the present invention. It should be pointed out that for those skilled in the art, without departing from the principles of the present invention, several improvements and modifications can be made. It should be regarded as the protection scope of the present invention.

Claims (16)

1. A method for processing transaction information, comprising:

acquiring transaction information to be verified, wherein the transaction information is information for performing transaction between a first transaction object and a second transaction object, and the transaction information at least comprises transaction amount;

determining at least one target server for verifying the transaction information based on the transaction amount, wherein the target server at least comprises a main server and an edge server;

and verifying the transaction information based on the at least one target server to generate a target verification result, wherein the target verification result represents whether the transaction between the first transaction object and the second transaction object has fraud behaviors.

2. The method of claim 1, wherein determining at least one target server to validate the transaction information based on the transaction amount comprises:

determining a transaction type corresponding to the transaction information according to the transaction amount;

when the transaction type is a first transaction type, determining that the target server is the edge server;

and when the transaction type is a second transaction type, determining the importance level of the transaction information, and determining the target server according to the importance level, wherein the transaction amount corresponding to the first transaction type is smaller than the transaction amount corresponding to the second transaction type.

3. The method of claim 2, wherein determining the target server according to the importance level comprises:

when the importance level of the transaction information is a first importance level, determining that the target server is the edge server;

and when the importance level of the transaction information is a second importance level, determining that the target server is the main server, wherein the first importance level is lower than the second importance level.

4. The method of claim 2 or 3, wherein after determining that the target server is the edge server, the method further comprises:

when the load of the edge server is smaller than or equal to a preset load threshold value, controlling the edge server to verify the transaction information;

and when the load of the edge server is greater than the preset load threshold value, controlling the edge server to forward the transaction information to the main server so that the main server verifies the transaction information.

5. The method of claim 1, wherein the transaction information includes at least one of: the identity information of the first transaction object, the identity information of the second transaction object, transaction terminal information, transaction address information, network address information and transaction times, wherein the transaction information is verified based on the at least one target server to generate a target verification result, and the method comprises the following steps:

verifying the transaction information to obtain a verification result;

counting the times of verification failure according to the verification result to obtain the counted times;

and when the counting times are less than the preset times and the alarm times are less than the preset alarm times, determining that the transaction between the first transaction object and the second transaction object is a normal transaction, wherein the alarm times represent the transaction alarm times corresponding to the first transaction object within a preset time length.

6. The method of claim 5, further comprising:

and when the counting times are greater than or equal to the preset times, generating alarm information, and adding one to the alarm times.

7. The method of claim 5, further comprising:

when the alarm times are greater than or equal to the preset alarm times, verifying the identity information of the first transaction object;

when the identity information of the first transaction object does not meet a first verification condition, determining that the transaction between the first transaction object and the second transaction object is a fraud transaction;

when the identity information of the first transaction object meets the first verification condition, verifying the identity information of the second transaction object;

and when the identity information of the second transaction object meets a second verification condition, determining that the transaction between the first transaction object and the second transaction object is the normal transaction.

8. The method of claim 5, wherein verifying the transaction information to obtain a verification result comprises:

and verifying the transaction terminal information to obtain a first verification result, and adding one to the counting times when the first verification result represents that the transaction terminal information is inconsistent with the preset terminal information of the first transaction object.

9. The method of claim 5, wherein verifying the transaction information to obtain a verification result comprises:

and verifying the transaction address information to obtain a second verification result, and adding one to the counting times when the second verification result represents that the transaction address information is inconsistent with the preset transaction address information of the first transaction object.

10. The method of claim 5, wherein verifying the transaction information to obtain a verification result comprises:

and verifying the network address information to obtain a third verification result, and adding one to the counting times when the third verification result indicates that the network address information is inconsistent with the preset network address information of the first transaction object.

11. The method of claim 5, wherein verifying the transaction information to obtain a verification result comprises:

and verifying the transaction times to obtain a fourth verification result, and adding one to the statistical times when the fourth verification result indicates that the transaction times are inconsistent with the preset transaction times of the first transaction object.

12. The method of claim 1, further comprising:

and when the transaction between the first transaction object and the second transaction object is determined to be a fraudulent transaction, sending transaction information of the fraudulent transaction to the edge server, and updating the identity information of the transaction object for performing the fraudulent transaction, which is stored in the edge server.

13. An apparatus for processing transaction information, comprising:

the system comprises an acquisition module, a verification module and a verification module, wherein the acquisition module is used for acquiring transaction information to be verified, the transaction information is information for performing transaction between a first transaction object and a second transaction object, and the transaction information at least comprises transaction amount;

a determination module, configured to determine at least one target server for verifying the transaction information based on the transaction amount, where the target server includes at least a main server and an edge server;

and the verification module is used for verifying the transaction information based on the at least one target server and generating a target verification result, wherein the target verification result represents whether fraud behaviors exist in the transaction between the first transaction object and the second transaction object.

14. A computer-readable storage medium, in which a computer program is stored, wherein the computer program is configured to execute the method for processing transaction information according to any one of claims 1 to 12 when the computer program is executed.

15. An electronic device, wherein the electronic device comprises one or more processors; memory for storing one or more programs which, when executed by the one or more processors, cause the one or more processors to implement a method for executing a program, wherein the program is arranged to, when executed, perform a method of processing transaction information as claimed in any of claims 1 to 12.

16. A computer program product comprising computer programs/instructions, characterized in that the computer programs/instructions, when executed by a processor, implement the method of processing transaction information according to any of claims 1 to 12.

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