CN115018645A - Security assessment method and module for deposit applied to transaction system - Google Patents
Security assessment method and module for deposit applied to transaction system Download PDFInfo
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- CN115018645A CN115018645A CN202210736476.6A CN202210736476A CN115018645A CN 115018645 A CN115018645 A CN 115018645A CN 202210736476 A CN202210736476 A CN 202210736476A CN 115018645 A CN115018645 A CN 115018645A
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- 238000000034 method Methods 0.000 title claims abstract description 47
- 238000011156 evaluation Methods 0.000 claims abstract description 53
- 238000012546 transfer Methods 0.000 claims description 52
- XLYOFNOQVPJJNP-UHFFFAOYSA-N water Substances O XLYOFNOQVPJJNP-UHFFFAOYSA-N 0.000 claims description 48
- 230000002159 abnormal effect Effects 0.000 claims description 27
- PCHJSUWPFVWCPO-UHFFFAOYSA-N gold Chemical compound [Au] PCHJSUWPFVWCPO-UHFFFAOYSA-N 0.000 claims description 10
- 239000010931 gold Substances 0.000 claims description 10
- 229910052737 gold Inorganic materials 0.000 claims description 10
- 238000010586 diagram Methods 0.000 description 6
- 238000012986 modification Methods 0.000 description 3
- 230000004048 modification Effects 0.000 description 3
- 230000003203 everyday effect Effects 0.000 description 2
- 238000012545 processing Methods 0.000 description 2
- 238000004891 communication Methods 0.000 description 1
- 230000008094 contradictory effect Effects 0.000 description 1
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- 230000003287 optical effect Effects 0.000 description 1
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
Abstract
The invention provides a security assessment method applied to a transaction system, wherein the transaction system comprises an account number of a transaction place, a corresponding customer account number, a member security settlement account number and a member commission account number, the member security settlement account number is provided with a basic score, and the security assessment method comprises the following steps: acquiring a client account number, a member deposit settlement account number, flow data among exchange account numbers and client account information of the client account number; analyzing the running data and the customer account information to obtain an analysis result; calculating a first score, a second score and a third score according to the analysis result; calculating a fourth score according to the member deposit settlement account and the member commission account; calculating a fifth score according to the balance of the member deposit settlement account; and calculating an evaluation score according to the base score, the first score, the second score, the third score, the fourth score and the fifth score. The technical scheme of the invention can safely and effectively monitor the guarantee fund.
Description
Technical Field
The invention relates to the technical field of computers, in particular to a security assessment method for deposit applied to a transaction system, a module and computer equipment thereof.
Background
The deposit is used for accounting the property of various deposits in financial institutions such as banks. The spot gold guarantee money transaction is that when a gold contract is traded, the whole amount of money is not required to be transferred, and only a certain proportion of money is paid according to the total amount of the gold contract to serve as the proof of holding an order. At present, when the existing transaction system manages the deposit, manual supervision is usually needed, the operation is complex, careless mistakes are easy to occur, the management efficiency is low, and meanwhile, the security of the deposit cannot be ensured.
Disclosure of Invention
In view of the above, it is necessary to provide a security assessment method for deposit applied to a transaction system, a module thereof, and a computer device, which can monitor the deposit safely and effectively.
In a first aspect, an embodiment of the present invention provides a security assessment method for a deposit, which is applied to a transaction system, where the transaction system includes an account number of an exchange, a corresponding customer account number, a member deposit settlement account number, and a member commission account number, the member deposit settlement account number has a basic score, and the security assessment method for a deposit includes:
acquiring the client account number, the member deposit settlement account number, the flow data among the exchange account numbers and the client account information of the client account number;
analyzing the flow data and the customer account information to obtain an analysis result, wherein the analysis result comprises a normal flow and an abnormal flow, and the abnormal flow comprises illegal income and non-signed customer transfer;
when illegal deposit exists in the analysis result, calculating a first score;
when the non-signed customer transfer exists in the analysis result, calculating a second score;
judging whether the member deposit settlement account number pays money or enters a trading flow or not in the analysis result;
calculating a third score when the member deposit settlement account exports or enters a trading flow in the analysis result;
judging whether the member deposit settlement account number is consistent with the member commission account number or not;
calculating a fourth score when the member deposit settlement account is consistent with the member commission account;
acquiring the balance of the member deposit settlement account;
judging whether the balance of the member deposit settlement account is zero or not;
calculating a fifth score when the balance of the member deposit settlement account is not zero; and
calculating an evaluation score from the base score, the first score, the second score, the third score, the fourth score, and the fifth score.
Preferably, analyzing the running data and the customer account information to obtain an analysis result specifically includes:
judging whether a transaction flow for directly transferring the customer account number to the account number of the exchange exists or not according to the flow data;
when a transaction running line exists in which the customer account number directly transfers to the exchange account number, setting the transaction running line as an abnormal running line of illegal deposit;
judging whether a client account number which is not registered in the transaction system transfers to a transaction running line of the member deposit settlement account number or not according to the running data and the client account information; and
and when the customer account number which is not registered in the transaction system is transferred to the member deposit settlement account number, setting the transaction flow as an abnormal flow of non-signed customer transfer.
Preferably, the normal running water includes an incoming fund running water and an outgoing fund running water, and analyzing the running water data and the customer account information to obtain an analysis result further includes:
judging whether the customer account number transfers to the member deposit settlement account number according to the flow data, and transferring the member deposit settlement account number to the transaction flow of the exchange account number;
when the customer account transfers to the member deposit settlement account, and the member deposit settlement account transfers to the transaction flow of the exchange account, setting the transaction flow as the normal flow of the deposit flow;
judging whether the exchange account number transfers to the member deposit settlement account number according to the flow data, and transferring the member deposit settlement account number to the transaction flow of the customer account number; and
and when the exchange account number transfers to the member deposit settlement account number and the member deposit settlement account number transfers to the client account number, setting the transaction flow as the normal flow of the cash-out flow.
Preferably, the step of determining whether the member deposit settlement account pays or enters the deposit in the analysis result includes:
and judging whether the analysis result has the gold flowing water or the gold flowing water.
Preferably, calculating an evaluation score according to the base score, the first score, the second score, the third score, the fourth score and the fifth score specifically includes:
subtracting the first score, the second score, the third score, the fourth score, and the fifth score from the base score to obtain the evaluation score.
Preferably, the method for evaluating the security of the deposit further comprises:
acquiring the flow data according to a first preset execution time; and
and when the analysis result is obtained, storing the analysis result.
Preferably, the method for evaluating the security of the deposit further comprises:
calculating the first score, the second score, the third score, the fourth score, the fifth score and the evaluation score according to a second preset execution time, wherein the time interval of the second preset execution time is longer than the time interval of the first preset time; and
storing the evaluation score.
Preferably, after analyzing the running data and the customer account information to obtain an analysis result, the deposit security assessment method further includes:
judging whether the analysis result has abnormal running water or not; and
and sending warning information when the analysis result has abnormal running water.
In a second aspect, an embodiment of the present invention provides a computer device, where the computer device includes:
a memory for storing program instructions; and
a processor for executing the program instructions to implement the deposit security assessment method as described above for use in a transaction system.
In a third aspect, an embodiment of the present invention provides a security evaluation module for a deposit applied to a transaction system, where the transaction system includes an account number of an exchange, a corresponding customer account number, a member deposit settlement account number, and a member commission account number, the member deposit settlement account number has a basic score, and the security evaluation module for a deposit includes:
the first acquisition module is used for acquiring the client account number, the member deposit settlement account number, the data of the flow among the exchange account numbers and the client account information of the client account number;
the analysis module is used for analyzing the pipelining data and the customer account information to obtain an analysis result, wherein the analysis result comprises normal pipelining and abnormal pipelining, and the abnormal pipelining comprises illegal deposit and non-signed customer transfer;
the first calculating module is used for calculating a first score when illegal deposit exists in the analysis result;
the second calculation module is used for calculating a second score when the non-signed customer transfer exists in the analysis result;
the first judgment module is used for judging whether the member deposit settlement account number exports or enters a trading flow of deposit or not in the analysis result;
the third calculating module is used for calculating a third score when the transaction flow of the member deposit settlement account for paying out or paying in exists in the analysis result;
the second judgment module is used for judging whether the member deposit settlement account number is consistent with the member commission account number or not;
the fourth calculating module is used for calculating a fourth score when the member guarantee fund settlement account number is consistent with the member commission account number;
the second acquisition module is used for acquiring the balance of the member deposit settlement account;
the third judgment module is used for judging whether the balance of the member deposit settlement account is zero or not;
the fifth calculating module is used for calculating a fifth score when the balance of the member deposit settlement account is not zero; and
a sixth calculating module, configured to calculate an evaluation score according to the base score, the first score, the second score, the third score, the fourth score, and the fifth score.
The security assessment method for the deposit applied to the transaction system, the module and the computer equipment thereof analyze and classify the flow data among the client account number, the member deposit settlement account number and the exchange account number to obtain different types of transaction flow. Different scores are calculated according to different types of transaction flow, and an evaluation score for representing the safety is calculated according to the basic score and the different scores of the member deposit settlement account, so that the safety of the member deposit settlement account can be comprehensively and multidimensional.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the structures shown in the drawings without creative efforts.
Fig. 1 is a flowchart of a method for evaluating security of deposit according to a first embodiment of the present invention.
Fig. 2 is a first sub-flowchart of a method for evaluating the security of the deposit according to the first embodiment of the present invention.
Fig. 3 is a second sub-flowchart of the method for evaluating the security of the deposit according to the first embodiment of the present invention.
Fig. 4 is a third sub-flowchart of the method for evaluating the security of the deposit according to the first embodiment of the present invention.
Fig. 5 is a sub-flowchart of a method for evaluating the security of the deposit according to a second embodiment of the present invention.
Fig. 6 is a sub-flowchart of a method for evaluating the security of the deposit according to a third embodiment of the present invention.
Fig. 7 is a schematic view of an application scenario of the security assessment method according to the first embodiment of the present invention.
Fig. 8 is a schematic view of an application scenario of the security assessment method according to the second embodiment of the present invention.
Fig. 9 is a schematic internal structural diagram of a computer device according to an embodiment of the present invention.
Fig. 10 is a schematic diagram of an internal structure of the security evaluation module according to the embodiment of the present invention.
The implementation, functional features and advantages of the objects of the present invention will be further explained with reference to the accompanying drawings.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention is further described in detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
The terms "first," "second," "third," "fourth," and the like in the description and in the claims of the present application and in the above-described drawings (if any) are used for distinguishing between similar items and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used is interchangeable under appropriate circumstances, in other words that the embodiments described are to be practiced in sequences other than those illustrated or described herein. Moreover, the terms "comprises," "comprising," and any other variation thereof, may also include other things, such as processes, methods, systems, articles, or apparatus that comprise a list of steps or elements is not necessarily limited to only those steps or elements expressly listed, but may include other steps or elements not expressly listed or inherent to such processes, methods, articles, or apparatus.
It should be noted that the description relating to "first", "second", etc. in the present invention is for descriptive purposes only and is not to be construed as indicating or implying relative importance or implicitly indicating the number of technical features indicated. Thus, a feature defined as "first" or "second" may explicitly or implicitly include one or more of that feature. In addition, technical solutions between various embodiments may be combined with each other, but must be realized by a person skilled in the art, and when the technical solutions are contradictory or cannot be realized, such a combination should not be considered to exist, and is not within the protection scope of the present invention.
Referring to fig. 1 and fig. 7 in combination, fig. 1 is a flowchart of a security evaluation method for deposit according to a first embodiment of the present invention, and fig. 7 is a schematic application scenario diagram of the security evaluation method for deposit according to the first embodiment of the present invention. The deposit security assessment method is applied to the transaction system 20. The trading system 20 includes a trading exchange 21 and a client 22 connected in communication. The transaction system 20 also includes an exchange account number and corresponding customer account number, member deposit settlement account number, and member commission account number. It is understood that the exchange account number corresponds to the exchange 21, and the customer account number, the member deposit settlement account number, and the member commission account number correspond to the client 22. Each client 22 corresponds to a client account, an member deposit settlement account, and an member commission account. In this embodiment, the member deposit settlement account is provided with a base score. The basic score is an initial security evaluation score of the member deposit settlement account. The basic scores of all the member settlement accounts may be the same or different, and are not limited herein. For example, the base score of all member settlement accounts is 100 points.
The method for evaluating the safety of the guaranteed gold specifically comprises the following steps.
Step S101, acquiring a customer account number, a member deposit settlement account number, running data among exchange account numbers and customer account information of the customer account number. The data of the client account, the member deposit settlement account, and the exchange account includes, but is not limited to, the data of the client account, the member deposit settlement account in the exchange 21, the system transaction flow table of the exchange 21, and the cross-bank transaction flow water meter. The customer account information includes, but is not limited to, a customer account name, a customer account number, and registration information of the customer account.
And step S102, analyzing the running data and the customer account information to obtain an analysis result. In this embodiment, the analysis result includes normal running water and abnormal running water, the abnormal running water includes illegal deposit and non-signed customer transfer, and the normal running water includes deposit running water and deposit running water. Wherein the analysis result corresponds to the member deposit settlement account.
The specific process of analyzing the flow data and the customer account information to obtain the analysis result will be described in detail below.
And step S103, calculating a first score when illegal deposit exists in the analysis result. The member guarantees that every time the account number of settlement of funds appears illegal deposit, a first sub-number is set. And the sum of all the first sub-numbers corresponding to the same member settlement account number is the corresponding first score. For example, the first sub-number is 10 points.
In this embodiment, the first score does not exceed the first score. Wherein the first score is one fifth of the base score. That is, if the currently calculated first score is greater than the first score, the first score is still regarded as the first score. For example, the first score is 20 points. If the currently calculated first score is 30 points, the first score is still set to 20 points.
And step S104, when the non-signed customer transfer exists in the analysis result, calculating a second score. And setting a second sub-number for each non-signed customer transfer of the member security settlement account number. And the sum of all the second sub-numbers corresponding to the same member settlement account number is the corresponding second score. For example, the second fraction is 5 points.
And step S105, judging whether the member deposit settlement account exports or enters the trading flow of the deposit in the analysis result. The cash-out transaction flow of the member deposit settlement account comprises a transaction flow transferring from the member deposit settlement account to the client account, and the cash-in transaction flow of the member deposit settlement account comprises a transaction flow transferring from the member deposit settlement account to the exchange account.
When the member deposit settlement account pays out or enters the transaction flow in the analysis result, step S106 is executed.
Step S106, calculating a third score. And setting a third sub-number when the member guarantees that the payment settlement account number generates a payment transaction flow or a payment transaction flow every time. And the sum of all the third sub-numbers corresponding to the same member settlement account number is the corresponding third score. For example, the third fraction is 5 points.
In this embodiment, the sum of the second score and the third score does not exceed the second score. Wherein the second score is half of the base score. That is, if the sum of the second score and the third score calculated currently is greater than the second score, the sum of the second score and the third score is still regarded as a second score. For example, the second score is 50 points. If the sum of the second score and the third score obtained by the current calculation is 70 points, the sum of the second score and the third score is still set to be 50 points.
And step S107, judging whether the member guarantee fund settlement account is consistent with the member commission account. And respectively acquiring account information of the member deposit settlement account and the member commission account, and judging whether the member deposit settlement account is consistent with the member commission account or not according to the account information. In the present embodiment, the account information includes, but is not limited to, an account name, an account number, and the like. It can be judged whether the member deposit settlement account number coincides with the member commission account number according to the account name, the account number, and the like.
When the member guarantee settlement account coincides with the member commission account, step S108 is performed.
Step S108, a fourth score is calculated. And when the member guarantee settlement account number is consistent with the member commission account number, directly setting a fourth score. Wherein the fourth score is one fifth of the base score. For example, the fourth score is 20. When the member guarantee settlement account coincides with the member commission account, the fourth score is set to 20.
And step S109, acquiring the balance of the member deposit settlement account.
Step S110, determining whether the balance of the member deposit settlement account is zero.
When the balance of the member deposit settlement account is not zero, step S111 is performed.
Step S111, a fifth score is calculated. And when the balance of the member deposit settlement account is not zero, directly setting a fifth score. Wherein the fifth score is one tenth of the base score. For example, the fifth fraction is 10 minutes. And when the balance of the member deposit settlement account is not zero, setting the fifth score as 10.
And step S112, calculating an evaluation score according to the basic score, the first score, the second score, the third score, the fourth score and the fifth score. Wherein the evaluation score is used to indicate the security of the member deposit settlement account. The higher the evaluation score is, the higher the security of the member deposit settlement account is represented; the lower the evaluation score, the lower the security of the member's guaranteed deposit settlement account.
In the present embodiment, the first score, the second score, the third score, the fourth score, and the fifth score are subtracted from the base score to obtain the evaluation score. For example, if the base score is 100 points, the first score is 10 points, the sum of the second score and the third score is 15 points, the fourth score is 0 points, and the fifth score is 0 points, the calculated evaluation score is 75 points.
In some possible embodiments, after the evaluation score is calculated, the evaluation score is transmitted to an administrator of the transaction system 20 so that the administrator can manage the member deposit settlement account according to the evaluation score.
In the above embodiment, different types of transaction flow are obtained by analyzing and classifying the flow data among the customer account number, the member deposit settlement account number, and the exchange account number. Different scores are calculated according to different types of transaction flow, and an evaluation score for representing the safety is calculated according to the basic score and the different scores of the member deposit settlement account, so that the safety of the member deposit settlement account can be comprehensively and multidimensional.
Please refer to fig. 2, which is a first sub-flowchart of the method for evaluating security of deposit according to the first embodiment of the present invention. Step S102 specifically includes the following steps.
Step S202, whether a transaction flow of the customer account number directly transferring to the account number of the exchange exists is judged according to the flow data. When the customer account number directly transfers to the exchange account number, the transfer amount does not actually stay on the member deposit settlement account number, so that no corresponding record exists in the running data of the member deposit settlement account number. Therefore, whether the transaction flow that the customer account number is directly transferred to the account number of the exchange exists or not can be judged according to the flow data of the customer account number and the member deposit settlement account number.
When there is a transaction flow in which the customer account number is directly transferred to the exchange account number, step S204 is performed.
And step S204, setting the transaction flow as an abnormal flow of illegal deposit. Because the customer account number does not pass through the member deposit settlement account number, the transfer amount is directly transferred to the exchange account number, and therefore the transaction flow of directly transferring the transfer amount from the customer account number to the exchange account number is set as the abnormal flow of illegal deposit.
And step S206, judging whether a client account number which is not registered in the transaction system transfers to the transaction flow of the member deposit settlement account number or not according to the flow data and the client account information. When the customer account number is not registered in the transaction system and transfers to the member deposit settlement account number, the transaction flow generated by the transfer is not stored in the system transaction flow meter. If the customer account number is registered in the transaction system, the registration information of the customer account number corresponds to the transaction system. Therefore, whether the client account number which is not registered in the transaction system transfers to the transaction flow of the member deposit settlement account number can be judged according to the client account information, the flow data of the client account number and the system transaction flow table.
When there is a transaction flow in which the customer account number not registered in the transaction system is transferred to the member deposit settlement account number, step S208 is performed.
And step S208, setting the transaction flow as an abnormal flow of the transfer of the non-signed customer. Since the customer account number is not registered in the transaction system and transferred to the member deposit settlement account number, a transaction flow of transferring the customer account number that is not registered in the transaction system to the member deposit settlement account number is set as an abnormal flow of non-contracted customer transfers.
Please refer to fig. 3, which is a second sub-flowchart of the method for evaluating security of deposit according to the first embodiment of the present invention. Step S102 further includes the following steps.
Step S302, whether a customer account transfers to a member deposit settlement account or not is judged according to the flow data, and the member deposit settlement account transfers to the transaction flow of the exchange account. And when the running data of the customer account number and the member deposit settlement account number and the corresponding transaction running water exists in the system transaction flow water meter and the cross-bank transaction flow water meter, confirming that the customer account number transfers to the member deposit settlement account number and then transfers to the transaction running water of the exchange account number.
When there is a transaction flow in which the customer account number transfers to the member deposit settlement account number, and the member deposit settlement account number transfers to the exchange account number, step S304 is executed.
And step S304, setting the transaction flow as a normal flow of the income flow. When the transaction flow of transferring the customer account number to the member deposit settlement account number and then transferring the customer account number to the exchange account number exists, the corresponding transaction flow is set to be the normal flow of the deposit flow.
In some possible embodiments, the customer account number includes an inline account number and an offside account number, and the progressive of entries includes an inline deposit and an offside deposit. The trade flow of transferring the internal account number to the member deposit settlement account number and then transferring the internal account number to the exchange account number is the internal fund. And transferring the account number outside the bank to a member deposit settlement account number and then transferring the account number to a trading exchange account number. And the flow data of the account number transferred from the inline account number to the member deposit settlement account number and then transferred to the exchange account number is recorded in the system transaction flow meter. And the running data of the account number transferred from the off-line account number to the member deposit settlement account number and then transferred to the exchange account number is respectively recorded in a cross-line transaction running water meter and a system transaction running water meter. That is, the running data of the account number transferred from the off-line account number to the member deposit settlement account number is recorded in the cross-line transaction flow water meter, and the running data of the account number transferred from the member deposit settlement account number to the exchange account number is recorded in the system transaction flow water meter.
Step S306, whether the account number of the exchange transfers to the member deposit settlement account number or not is judged according to the flow data, and the member deposit settlement account number transfers to the transaction flow of the customer account number. And when the running data of the customer account number and the member deposit settlement account number and the corresponding transaction running water exists in the system transaction flow water meter and the cross-bank transaction flow water meter, confirming that the transaction bank account number transfers to the member deposit settlement account number and then transfers to the transaction running water of the customer account number.
When there is a transaction flow in which the exchange account is transferred to the member deposit settlement account and the member deposit settlement account is transferred to the customer account, step S308 is executed.
Step S308, setting the transaction flow as the normal flow of the cash-out flow. And when a transaction running water exists, transferring the account number of the exchange to the member deposit settlement account number and then transferring the account number of the member deposit settlement account number to the customer account number, setting the corresponding transaction running water as a normal running water of the outlet running water.
In some possible embodiments, the customer account number includes an in-line account number and an out-of-line account number, and the out-of-fund flow includes an in-line out-of-fund and an out-of-line out-of-fund. The trade flow of the account number of the exchange transferred to the member deposit settlement account number and then transferred to the internal account number is internal cash out. And transferring the account number of the exchange to a member deposit settlement account number and then transferring the account number to an off-line account number. And transferring the account number of the exchange to the member deposit settlement account number and then transferring the data of the flow of the in-line account number to the system transaction flow meter. And the flow data of the account number of the exchange transferred to the member deposit settlement account number and then transferred to the off-line account number are respectively recorded in a system transaction flow meter and a cross-line transaction flow meter. That is, the running data of the account number transferred to the member deposit settlement account number by the exchange is recorded in the system transaction flow water meter, and the running data of the account number transferred to the off-bank account number by the member deposit settlement account number is recorded in the cross-bank transaction flow water meter.
Correspondingly, in step S105, the step of determining whether the member deposit settlement account exports or enters the transaction flow of the deposit is specifically: and judging whether the gold flowing water or the gold flowing water exists in the analysis result.
Please refer to fig. 4, which is a third sub-flowchart of the method for evaluating security of deposit according to the first embodiment of the present invention. After step S102 is executed, the method for evaluating the security of the deposit further includes the following steps.
Step S402, judging whether the analysis result has abnormal running water.
When the analysis result has an abnormal flow, step S404 is executed.
Step S404, a warning message is sent.
In the embodiment, if abnormal running water exists in the analysis result, early warning is carried out, so that the safety of the member settlement account is guaranteed.
Referring to fig. 5 and fig. 8 in combination, fig. 5 is a sub-flowchart of a security evaluation method for deposit provided by a second embodiment of the present invention, and fig. 8 is a schematic application scenario diagram of the security evaluation method for deposit provided by the second embodiment of the present invention. The second embodiment provides that the transaction system 30 further comprises a database 23.
The difference between the security assessment method for the deposit provided by the second embodiment and the security assessment method for the deposit provided by the first embodiment is that the security assessment method for the deposit provided by the second embodiment further includes the following steps.
Step S502, acquiring the pipeline data according to the first preset execution time. The first preset execution time can be set according to actual conditions. For example, the first preset execution time is a half-hour and a full-hour. That is, running water data is acquired every 30 minutes.
And step S504, when the analysis result is obtained, storing the analysis result. The flow data acquired each time is analyzed to obtain a corresponding analysis result, and the analysis result is stored in the database 23.
In the above embodiment, the analysis result is stored in the database, so that data support can be provided for the calculation of the subsequent evaluation score.
Please refer to fig. 6, which is a sub-flowchart of a security assessment method according to a third embodiment of the present invention. The difference between the method for evaluating the security of the deposit provided by the third embodiment and the method for evaluating the security of the deposit provided by the second embodiment is that the method for evaluating the security of the deposit provided by the third embodiment further includes the following steps.
Step S602, calculating a first score, a second score, a third score, a fourth score, a fifth score, and an evaluation score according to a second preset execution time. The second preset execution time can be set according to actual conditions. However, the time interval of the second preset execution time is longer than that of the first preset time, regardless of how the second preset execution time is set. For example, the second preset execution time is 23 o 'clock and 50 o' clock each day. It is to be appreciated that the evaluation score is calculated once a day for the member deposit settlement account, thereby monitoring the security of the member deposit settlement account every day.
In some possible embodiments, the member's guaranteed settlement account base score may need to be reset every day. And resetting the basic score of the member deposit settlement account after the evaluation score is calculated.
Step S604, the evaluation score is stored. The evaluation score of each member deposit settlement account is stored in the database 23.
In the above embodiment, the evaluation score is stored in the database for query by an administrator of the transaction system.
Please refer to fig. 9, which is a schematic diagram of an internal structure of a computer apparatus according to an embodiment of the present invention. The computer device 10 comprises a memory 11 and a processor 12. The memory 11 is used for storing program instructions, and the processor 12 is used for executing the program instructions to realize the above-mentioned deposit security assessment method applied to the transaction system.
The memory 11 includes at least one type of readable storage medium including a flash memory, a hard disk, a multimedia card, a card type memory (e.g., SD or DX memory, etc.), a magnetic memory, a magnetic disk, an optical disk, and the like. The memory 11 may in some embodiments be an internal storage unit of the computer device, for example a hard disk of the computer device. The memory 11 may also be an external storage device of the computer device in other embodiments, such as a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card), etc. provided on the computer device. Further, the memory 11 may also include both an internal storage unit and an external storage device of the computer device. The memory 11 may be used not only to store application software installed in a computer device and various kinds of data such as codes or the like implementing a deposit security evaluation method applied to a transaction system, but also to temporarily store data that has been output or will be output.
Please refer to fig. 10, which is a schematic diagram of an internal structure of the security evaluation module according to an embodiment of the present invention. The security assessment module 500 includes a first obtaining module 501, an analysis module 502, a first calculating module 503, a second calculating module 504, a first determining module 505, a third calculating module 506, a second determining module 507, a fourth calculating module 508, a second obtaining module 509, a third determining module 510, a fifth calculating module 511, and a sixth calculating module 512.
The first obtaining module 501 is configured to obtain a customer account number, a member deposit settlement account number, data of flow between trading accounts, and customer account information of the customer account number. The data of the client account, the member deposit settlement account and the exchange account in the flow include, but are not limited to, the client account, the member deposit settlement account in the flow data, the system transaction flow meter, the cross-bank transaction flow meter and the like. The customer account information includes, but is not limited to, a customer account name, a customer account number, and registration information of the customer account.
And the analysis module 502 is used for analyzing the running data and the customer account information to obtain an analysis result. In this embodiment, the analysis result includes normal running water and abnormal running water, the abnormal running water includes illegal deposit and non-signed customer transfer, and the normal running water includes deposit running water and deposit running water. Wherein the analysis result corresponds to the member deposit settlement account.
A first calculating module 503, configured to calculate a first score when there is an illegal deposit in the analysis result. The first calculating module 503 sets a first sub-number for every illegal deposit of the member security settlement account. And the sum of all the first sub-numbers corresponding to the same member settlement account number is the corresponding first score.
In this embodiment, the first score does not exceed the first score. Wherein the first score is one fifth of the base score. That is, if the currently calculated first score is greater than the first score, the first score is still regarded as the first score.
A second calculation module 504 for calculating a second score when there is a non-contracted customer transfer in the analysis result. The second calculation module 504 sets a second sub-number for each non-contracted client transfer occurring in the member deposit settlement account. And the sum of all the second sub-numbers corresponding to the same member settlement account number is the corresponding second score.
The first determining module 505 is configured to determine whether a member deposit settlement account exports or enters a transaction flow of deposit in the analysis result. The cash-out transaction flow of the member deposit settlement account comprises a transaction flow transferring from the member deposit settlement account to the client account, and the cash-in transaction flow of the member deposit settlement account comprises a transaction flow transferring from the member deposit settlement account to the exchange account.
And a third calculating module 506, configured to calculate a third score when there is a trade flow of the member deposit settlement account for making a deposit or making a deposit in the analysis result. The third calculating module 506 sets a third sub-number for each time the member guarantees that the settlement account will pay money or pay money. And the sum of all the third sub-numbers corresponding to the same member settlement account number is the corresponding third score.
In this embodiment, the sum of the second score and the third score does not exceed the second score. Wherein the second score is half of the base score. That is, if the sum of the second score and the third score calculated currently is greater than the second score, the sum of the second score and the third score is still considered as a second score.
And a second judgment module 507, configured to judge whether the member deposit settlement account is consistent with the member commission account. The second judgment module 507 obtains account information of the member deposit settlement account and the member commission account, and judges whether the member deposit settlement account is consistent with the member commission account according to the account information. In the present embodiment, the account information includes, but is not limited to, an account name, an account number, and the like. The second determining module 507 may determine whether the member deposit settlement account is consistent with the member commission account according to the account name, the account number, and the like.
And a fourth calculating module 508, configured to calculate a fourth score when the member guarantee settlement account is consistent with the member commission account. Wherein the fourth score is one fifth of the base score.
A second obtaining module 509, configured to obtain the balance of the member deposit settlement account.
The third determining module 510 is configured to determine whether the balance of the member deposit settlement account is zero.
A fifth calculating module 511, configured to calculate a fifth score when the balance of the member deposit settlement account is not zero. Wherein the fifth score is one tenth of the base score.
A sixth calculating module 512, configured to calculate an evaluation score according to the base score, the first score, the second score, the third score, the fourth score, and the fifth score. Wherein the evaluation score is used to indicate the security of the member deposit settlement account. The higher the evaluation score is, the higher the security of the member deposit settlement account is represented; the lower the evaluation score, the lower the security of the member's guaranteed settlement account.
In the present embodiment, the first score, the second score, the third score, the fourth score, and the fifth score are subtracted from the base score to obtain the evaluation score.
It will be apparent to those skilled in the art that various changes and modifications may be made in the present invention without departing from the spirit and scope of the invention. Thus, insofar as these modifications and variations of the invention fall within the scope of the claims of the invention and their equivalents, the invention is intended to include these modifications and variations.
The above-mentioned embodiments are only examples of the present invention, which should not be construed as limiting the scope of the present invention, and therefore, the present invention is not limited by the claims.
Claims (10)
1. A security assessment method of a deposit, which is applied to a transaction system, is characterized in that the transaction system comprises an account number of a transaction place, a corresponding customer account number, a member deposit settlement account number and a member commission account number, the member deposit settlement account number is provided with a basic score, and the security assessment method of the deposit comprises the following steps:
acquiring the client account number, the member deposit settlement account number, the flow data among the exchange account numbers and the client account information of the client account number;
analyzing the running data and the customer account information to obtain an analysis result, wherein the analysis result comprises normal running and abnormal running, and the abnormal running comprises illegal income and non-signed customer transfer;
when illegal deposit exists in the analysis result, calculating a first score;
when the non-signed customer transfer exists in the analysis result, calculating a second score;
judging whether the member deposit settlement account number deposits or deposits transaction flow of deposit exists in the analysis result;
calculating a third score when the member deposit settlement account exports or enters a trading flow in the analysis result;
judging whether the member deposit settlement account number is consistent with the member commission account number or not;
calculating a fourth score when the member deposit settlement account is consistent with the member commission account;
acquiring the balance of the member deposit settlement account;
judging whether the balance of the member deposit settlement account is zero or not;
calculating a fifth score when the balance of the member deposit settlement account is not zero; and
calculating an evaluation score from the base score, the first score, the second score, the third score, the fourth score, and the fifth score.
2. The method for evaluating the security of a deposit applied to a transaction system according to claim 1, wherein analyzing the chronological data and the customer account information to obtain an analysis result specifically comprises:
judging whether a transaction flow for directly transferring the customer account number to the account number of the exchange exists or not according to the flow data;
when a transaction running line exists in which the customer account number directly transfers to the exchange account number, setting the transaction running line as an abnormal running line of illegal deposit;
judging whether a client account number which is not registered in the transaction system transfers to a transaction running line of the member deposit settlement account number or not according to the running data and the client account information; and
and when the customer account number which is not registered in the transaction system is transferred to the member deposit settlement account number, setting the transaction flow as an abnormal flow of non-signed customer transfer.
3. The method for evaluating the security of a deposit applied to a transaction system according to claim 1, wherein the normal flow includes an in-flow and an out-flow, and analyzing the flow data and the customer account information to obtain an analysis result further comprises:
judging whether the customer account number transfers to the member deposit settlement account number according to the flow data, and transferring the member deposit settlement account number to the transaction flow of the exchange account number;
when the customer account transfers to the member deposit settlement account, and the member deposit settlement account transfers to the transaction flow of the exchange account, setting the transaction flow as the normal flow of the deposit flow;
judging whether the exchange account number transfers to the member deposit settlement account number according to the flow data, and transferring the member deposit settlement account number to the transaction flow of the customer account number; and
and when the exchange account number transfers to the member deposit settlement account number and the member deposit settlement account number transfers to the client account number, setting the transaction flow as the normal flow of the cash-out flow.
4. The method as claimed in claim 3, wherein the step of determining whether the member deposit settlement account pays or pays the fee comprises:
and judging whether the analysis result has the gold flowing water or the gold flowing water.
5. The method of claim 3, wherein calculating an assessment score based on the base score, the first score, the second score, the third score, the fourth score, and the fifth score comprises:
subtracting the first score, the second score, the third score, the fourth score, and the fifth score from the base score to obtain the evaluation score.
6. The deposit security evaluation method applied to a transaction system according to claim 1, wherein the deposit security evaluation method further comprises:
acquiring the flow data according to a first preset execution time; and
and when the analysis result is obtained, storing the analysis result.
7. The deposit security evaluation method applied to a transaction system according to claim 6, wherein the deposit security evaluation method further comprises:
calculating the first score, the second score, the third score, the fourth score, the fifth score and the evaluation score according to a second preset execution time, wherein the time interval of the second preset execution time is longer than the time interval of the first preset time; and
storing the evaluation score.
8. A deposit security evaluation method applied to a transaction system according to claim 1, wherein after analyzing the running data and the customer account information to obtain an analysis result, the deposit security evaluation method further comprises:
judging whether the analysis result has abnormal running water or not; and
and sending warning information when the analysis result has abnormal running water.
9. A computer device, characterized in that the computer device comprises:
a memory for storing program instructions; and
a processor for executing the program instructions to implement the deposit security assessment method as claimed in any one of claims 1 to 8 applied to a transaction system.
10. The utility model provides a be applied to deposit security evaluation module of transaction system which characterized in that, transaction system includes exchange account number and corresponding customer account number, member deposit settlement account number, member commission account number, member deposit settlement account number is equipped with the basic score, deposit security evaluation module includes:
the first acquisition module is used for acquiring the client account number, the member deposit settlement account number, the data of the flow among the exchange account numbers and the client account information of the client account number;
the analysis module is used for analyzing the pipelining data and the customer account information to obtain an analysis result, wherein the analysis result comprises normal pipelining and abnormal pipelining, and the abnormal pipelining comprises illegal deposit and non-signed customer transfer;
the first calculating module is used for calculating a first score when illegal deposit exists in the analysis result;
the second calculation module is used for calculating a second score when the non-signed customer transfer exists in the analysis result;
the first judgment module is used for judging whether the member deposit settlement account number exports or enters a trading flow of deposit or not in the analysis result;
the third calculating module is used for calculating a third score when the transaction flow of the member deposit settlement account for paying out or paying in exists in the analysis result;
the second judgment module is used for judging whether the member deposit settlement account number is consistent with the member commission account number or not;
the fourth calculating module is used for calculating a fourth score when the member guarantee fund settlement account number is consistent with the member commission account number;
the second acquisition module is used for acquiring the balance of the member deposit settlement account;
the third judgment module is used for judging whether the balance of the member deposit settlement account is zero or not;
the fifth calculating module is used for calculating a fifth score when the balance of the member deposit settlement account is not zero; and
a sixth calculating module, configured to calculate an evaluation score according to the base score, the first score, the second score, the third score, the fourth score, and the fifth score.
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