CN115496501A - Transaction amount verification method and device - Google Patents
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- CN115496501A CN115496501A CN202211214071.2A CN202211214071A CN115496501A CN 115496501 A CN115496501 A CN 115496501A CN 202211214071 A CN202211214071 A CN 202211214071A CN 115496501 A CN115496501 A CN 115496501A
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Abstract
The invention discloses a transaction amount verification method and device, which can be used in the financial field or other technical fields. The transaction amount verification method comprises the following steps: acquiring a transaction request sent by a user side, wherein the transaction request comprises transaction amount and payee information; determining whether the transaction amount of the transaction is abnormal or not according to the historical consumption amount information of the user and/or the historical collection amount information of the payee; and if the transaction amount of the transaction is abnormal, sending transaction amount abnormity prompting information to the user side. The transaction amount verifying method and the device provided by the embodiment of the invention can reduce the money loss of the old and people who often carelessly write the transaction amount by mistake to a certain extent.
Description
Technical Field
The invention relates to the financial field or other technical fields, in particular to a transaction amount verification method and device.
Background
At present, users often encounter the problem of code scanning amount input error, and input one or more 0 s more or input one or more 0 s less, so that money of the users is lost.
Disclosure of Invention
The embodiment of the invention provides a transaction amount checking method and device, before executing transfer transaction according to a transaction request, whether the transaction amount of the transaction is abnormal or not is checked according to historical consumption amount information of a user and/or historical collection amount information of a receiver, if the transaction amount is abnormal, the user is reminded to check, and through the mode, money loss of old people and people who often carelessly wrongly write the transaction amount can be reduced to a certain extent.
In one aspect, an embodiment of the present invention provides a transaction amount verification method, including:
acquiring a transaction request sent by a user side, wherein the transaction request comprises transaction amount and payee information;
determining whether the transaction amount of the transaction is abnormal or not according to the historical consumption amount information of the user and/or the historical collection amount information of the payee;
and if the transaction amount of the transaction is abnormal, sending transaction amount abnormity prompting information to the user side.
In some embodiments, determining whether the transaction amount of the transaction is abnormal according to the historical transaction amount information of the user and/or the historical receiving amount information of the receiving party includes:
and determining whether the transaction amount of the transaction is abnormal or not according to the percentage of the transaction amount exceeding the maximum value of the historical collection amount of the payee and the percentage of the transaction amount exceeding the average value of the historical consumption amount of the user for the payee.
In some embodiments, the determining whether the transaction amount of the transaction is abnormal according to the percentage of the transaction amount exceeding the maximum value of the historical payment amount of the payee and the percentage of the transaction amount exceeding the average value of the historical consumption amount of the user for the payee includes:
searching a first mapping relation base for a first transaction abnormal probability corresponding to a percentage interval in which the percentage of the transaction amount exceeding the maximum value of the historical collection amount of the payee is located, wherein the first mapping relation base stores mapping relations between the percentage intervals and the transaction abnormal probabilities, and each percentage interval corresponds to one transaction abnormal probability;
searching a second mapping relation base for a second transaction abnormal probability corresponding to a percentage interval in which the percentage of the transaction amount exceeds the average value of the historical consumption amount of the user for the payee, wherein the second mapping relation base stores mapping relations between the percentage intervals and the transaction abnormal probabilities, and each percentage interval corresponds to one transaction abnormal probability;
and determining whether the transaction amount of the transaction is abnormal or not according to the first transaction abnormal probability and the second transaction abnormal probability.
In some embodiments, the mapping relation between the percentage interval and the abnormal transaction probability in the first mapping relation library is determined according to the historical transaction condition of the payee;
and the mapping relation between the percentage interval and the transaction abnormal probability in the second mapping relation library is determined according to the historical transaction condition of the user.
In some embodiments, if the transaction amount of the current transaction is abnormal, sending a notification message of the abnormal transaction amount to the user side includes:
if the transaction amount of the transaction is abnormal, checking whether the numerical value of the transaction amount contains decimal;
and if the numerical value of the transaction amount does not contain the decimal, prompting the user to check the decimal point in the numerical value of the transaction amount.
In some embodiments, if the transaction amount of the transaction is abnormal, the method further includes:
verifying whether the number of 0 at the end of the numerical value of the transaction amount exceeds a preset value;
if the number of 0 at the tail of the numerical value of the transaction amount exceeds a preset value, removing one 0 at the tail of the numerical value of the transaction amount to generate an updated transaction amount;
determining whether the updated transaction amount is abnormal or not according to the percentage of the updated transaction amount exceeding the maximum value of the historical collection amount of the payee and the percentage of the updated transaction amount exceeding the average value of the historical consumption amount of the user;
if the updated transaction amount is abnormal, continuously removing 0 from the end of the value of the updated transaction amount to be used as a new transaction amount for abnormal judgment, and repeating the steps until the new transaction amount is normal;
and sending a transaction amount confirmation request to the user side according to the normal transaction amount.
In another aspect, an embodiment of the present invention provides a transaction amount verifying device, including:
the system comprises an acquisition module, a processing module and a processing module, wherein the acquisition module is used for acquiring a transaction request sent by a user side, and the transaction request comprises transaction amount and payee information;
the determining module is used for determining whether the transaction amount of the transaction is abnormal or not according to the historical consumption amount information of the user and/or the historical collection amount information of the collector;
and the sending module is used for sending transaction amount abnormity prompting information to the user side if the transaction amount of the transaction is abnormal.
In some embodiments, the determining module is specifically configured to:
and determining whether the transaction amount of the transaction is abnormal or not according to the percentage of the transaction amount exceeding the maximum value of the historical collection amount of the payee and the percentage of the transaction amount exceeding the average value of the historical consumption amount of the user for the payee.
In some embodiments, the determining module determines whether the transaction amount of the transaction is abnormal according to a percentage that the transaction amount exceeds a maximum value of a historical collection amount of the payee and a percentage that the transaction amount exceeds an average value of a historical consumption amount of the user for the payee, and includes:
searching a first mapping relation library for a first transaction abnormal probability corresponding to a percentage interval in which the percentage of the transaction amount exceeding the maximum value of the historical collection amount of the payee is located, wherein the first mapping relation library stores mapping relations between the percentage interval and the transaction abnormal probability, and each percentage interval corresponds to one transaction abnormal probability;
searching a second mapping relation base for a second transaction abnormal probability corresponding to a percentage interval in which the percentage of the transaction amount exceeds the average value of the historical consumption amount of the user for the payee, wherein the second mapping relation base stores mapping relations between the percentage intervals and the transaction abnormal probabilities, and each percentage interval corresponds to one transaction abnormal probability;
and determining whether the transaction amount of the transaction is abnormal or not according to the first transaction abnormal probability and the second transaction abnormal probability.
In some embodiments, the mapping relation between the percentage interval and the abnormal transaction probability in the first mapping relation library is determined according to the historical transaction condition of the payee;
and the mapping relation between the percentage interval and the transaction abnormal probability in the second mapping relation library is determined according to the historical transaction condition of the user.
In some embodiments, the sending module is specifically configured to:
if the transaction amount of the transaction is abnormal, checking whether the numerical value of the transaction amount contains decimal;
and if the numerical value of the transaction amount does not contain the decimal, prompting the user to check the decimal point in the numerical value of the transaction amount.
In some embodiments, the sending module is further configured to:
if the transaction amount of the transaction is abnormal, verifying whether the number of 0 at the tail of the value of the transaction amount exceeds a preset value;
if the number of 0 at the tail of the numerical value of the transaction amount exceeds a preset value, removing one 0 at the tail of the numerical value of the transaction amount to generate an updated transaction amount;
determining whether the updated transaction amount is abnormal or not according to the percentage of the updated transaction amount exceeding the maximum value of the historical collection amount of the payee and the percentage of the updated transaction amount exceeding the average value of the historical consumption amount of the user;
if the updated transaction amount is abnormal, continuously removing 0 from the end of the value of the updated transaction amount to serve as a new transaction amount for abnormal judgment, and repeating the steps until the new transaction amount is normal;
and sending a transaction amount confirmation request to the user side according to the normal transaction amount.
The embodiment of the present invention further provides a computer device, which includes a memory, a processor, and a computer program stored in the memory and executable on the processor, and when the processor executes the computer program, the method according to any of the above embodiments is implemented.
An embodiment of the present invention further provides a computer-readable storage medium, where a computer program is stored, and when the computer program is executed by a processor, the computer program implements the method according to any of the above embodiments.
An embodiment of the present invention further provides a computer program product, where the computer program product includes a computer program, and when the computer program is executed by a processor, the computer program implements the method described in any of the above embodiments.
According to the transaction amount checking method and device provided by the embodiment of the invention, before executing the transfer transaction according to the transaction request, whether the transaction amount of the transaction is abnormal or not is checked according to the historical consumption amount information of the user and/or the historical collection amount information of the receiver, if the transaction amount is abnormal, the user is reminded to check, and through the mode, the money loss of the old and the people who often wrongly write the transaction amount by mistake can be reduced to a certain extent.
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 embodiments or the prior art descriptions will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and other drawings can be obtained by those skilled in the art without creative efforts. In the drawings:
fig. 1 is a flow chart illustrating a transaction amount verification method according to an embodiment of the invention.
FIG. 2 is a partial flow diagram of a transaction amount verification method according to an embodiment of the invention.
Fig. 3 is a flow chart illustrating a transaction amount verification method according to an embodiment of the invention.
Fig. 4 is a partial flow chart of a transaction amount verification method according to an embodiment of the present invention.
Fig. 5 is a schematic structural diagram of a transaction amount verifying device according to an embodiment of the present invention.
Fig. 6 is a schematic physical structure diagram of an electronic device according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention. It should be noted that the embodiments and features of the embodiments in the present application may be arbitrarily ordered with respect to each other without conflict.
The terms "first," "second," "8230," "8230," and the like as used herein do not particularly denote any order or sequence, nor are they intended to limit the invention, but rather are used to distinguish one element from another or from another element described in the same technical term.
As used herein, the terms "comprising," "including," "having," "containing," and the like are open-ended terms that mean including, but not limited to.
As used herein, "and/or" includes any or all of the ordering of the described things.
The execution subject of the transaction amount verification method provided by the embodiment of the invention comprises but is not limited to a computer.
Fig. 1 is a schematic flow chart of a transaction amount verification method according to an embodiment of the present invention, and as shown in fig. 1, the transaction amount verification method according to the embodiment of the present invention includes:
s101, acquiring a transaction request sent by a user side, wherein the transaction request comprises transaction amount and payee information;
s102, determining whether the transaction amount of the transaction is abnormal or not according to the historical consumption amount information of the user and/or the historical collection amount information of the collector;
s103, if the transaction amount of the transaction is abnormal, sending a transaction amount abnormity prompting message to the user side.
According to the transaction amount checking method provided by the embodiment of the invention, before executing the transfer transaction according to the transaction request, whether the transaction amount of the transaction is abnormal or not is checked according to the historical consumption amount information of the user and/or the historical collection amount information of the receiver, and if the transaction amount is abnormal, the user is reminded to check.
In some embodiments, determining whether the transaction amount of the transaction is abnormal according to the historical transaction amount information of the user and/or the historical receiving amount information of the receiving party includes: and determining whether the transaction amount of the transaction is abnormal or not according to the percentage of the transaction amount exceeding the maximum value of the historical collection amount of the payee and the percentage of the transaction amount exceeding the average value of the historical consumption amount of the user for the payee.
For example, a merchant (payee) records the consumption flow of the merchant (payee) in the background, cleans the historical payment amount, removes abnormal data, and calculates the maximum consumption amount according to the top ten historical maximum values. Wherein the value of the maximum is the average of the top ten of the historical maximum.
After the bank regularly receives the maximum value uploaded by the merchant, when a user scans the code input amount and submits the code input amount to the bank, the bank searches the maximum value (every week/every month/every year) of the collection amount corresponding to the merchant by acquiring the two-dimensional code of the merchant, and simultaneously uploads the maximum value consumption amount value of the merchant when the user scans the code to fill in the amount, compares the amount scanned by the user with the amount of the maximum value of the collection amount of the merchant, and determines whether the transaction amount is abnormal according to the comparison result; for example, the user inputs 1000, and meanwhile, the average value of the user consumed under the merchant is 300, and the maximum amount of money paid by the merchant is 800, the maximum value of the user exceeded 1000/800-1=25%, and the average value of the amount of money consumed by the user this time exceeded 1000/300-1=130%.
And inputting the two percentage values into an abnormal data analysis module to analyze whether the transaction amount of the transaction is abnormal or not. For example, a naive Bayes method is adopted to judge the abnormality: and analyzing the historical data in the same value ranges of the two percentages, and judging the probability of abnormal transactions under the historical data.
As shown in fig. 2, in some embodiments, the determining whether the transaction amount of the transaction is abnormal according to the percentage of the transaction amount exceeding the maximum value of the historical collection amount of the receiver and the percentage of the transaction amount exceeding the average value of the historical consumption amount of the user for the receiver includes:
s1021, searching a first mapping relation library for a first transaction abnormal probability corresponding to a percentage interval in which the percentage of the transaction amount exceeding the maximum value of the historical collection amount of the payee is located, wherein the first mapping relation library stores mapping relations between the percentage interval and the transaction abnormal probability, and each percentage interval corresponds to one transaction abnormal probability;
s1022, searching a second mapping relation library for a second transaction abnormal probability corresponding to a percentage interval in which the transaction amount exceeds the percentage of the user to the historical consumption amount average value of the payee, wherein the second mapping relation library stores mapping relations between the percentage intervals and the transaction abnormal probabilities, and each percentage interval corresponds to one transaction abnormal probability;
and S1023, determining whether the transaction amount of the transaction is abnormal or not according to the first transaction abnormal probability and the second transaction abnormal probability.
In some embodiments, the mapping relation between the percentage interval and the abnormal transaction probability in the first mapping relation library is determined according to the historical transaction condition of the payee; and the mapping relation between the percentage interval and the transaction abnormal probability in the second mapping relation library is determined according to the historical transaction condition of the user.
For example, a set of items to be classified of known classification is preset according to historical transaction data, the set is called a training sample, namely, historical user input amount characteristic values are classified into specific classes as historical data through artificial experience, namely, the corresponding relation between x = { A1, A2} and C = (Y1) is obtained, A1 is the percentage exceeding the maximum value of the merchant's collection amount, and A2 is the percentage of the user's current consumption amount and the average value of the historical consumption amount.
The conditional probability estimation of each feature attribute under each category is obtained through statistics, namely:
p (A1 | Y1) P (A2 | Y1), i.e., the probability of each attribute under each condition is determined. Namely: under the condition that the consumption amount is greater than the percentage of the maximum value of the cash amount of the merchant or the consumption amount is greater than the percentage of the average value of the historical consumption amount of the user, the probability that the consumption amount is abnormal is deduced according to Bayesian theorem as follows:
p (Y1 | x) = P (x | Y1) P (Y1)/P (x), since the denominator is constant for all classes, we only need the numerator, and the corresponding probability can be obtained by normalization of the numerator
P(Y1|x)＝P(x|Y1)P(Y1)＝P(A1|Y1)×P(A2|Y1)；
The meaning is as follows: the consumption amount is greater than the percentage of the maximum value of the merchant cash amount and under the condition that the consumption amount is greater than the percentage of the average value of the historical consumption amounts of the users:
p (A1 | Y1) × P (A2 | Y1), that is: p (Y1 | x);
calculating the probability value, and judging whether the current transaction amount is an abnormal value according to the size of the probability value, for example, if the probability value is greater than a preset value, determining that the current transaction amount is abnormal; if not, determining that the transaction amount is normal, and continuing to execute the account transfer operation.
Specifically, if the user consumes the transaction amount under the merchant for the first time, only the percentage of the transaction amount exceeding the maximum value of the historical cash amount of the payee is calculated, and whether the transaction amount is abnormal or not is determined according to whether the percentage is larger than another preset value or not.
As shown in fig. 3, in some embodiments, the sending of the transaction amount exception prompting message to the user side if the transaction amount of the current transaction is abnormal includes:
s1031, if the transaction amount of the current transaction is abnormal, verifying whether the value of the transaction amount contains decimal;
s1032, if the numerical value of the transaction amount does not contain the decimal, prompting the user to check the decimal point in the numerical value of the transaction amount.
Specifically, the received abnormal amount information is analyzed by the abnormal alarm system, whether the input numerical value has decimal point is checked, if not, the user is prompted whether to forget to input decimal point.
As shown in fig. 4, in some embodiments, if the transaction amount of the current transaction is abnormal, the method further includes:
s1033, verifying whether the number of 0 at the tail of the numerical value of the transaction amount exceeds a preset value or not;
s1034, if the number of 0 at the tail of the numerical value of the transaction amount exceeds a preset value, removing one 0 from the tail of the numerical value of the transaction amount to generate an updated transaction amount;
s1035, determining whether the updated transaction amount is abnormal or not according to the percentage of the updated transaction amount exceeding the maximum value of the historical collection amount of the receiver and the percentage of the updated transaction amount exceeding the average value of the historical consumption amount of the user;
s1036, if the updated transaction amount is abnormal, continuously removing 0 from the end of the value of the updated transaction amount to be used as a new transaction amount for abnormal judgment, and so on until the new transaction amount is normal;
s1037, sending a transaction amount confirmation request to the user side according to the normal transaction amount.
Specifically, the anomaly alarm system also calculates the number of 0's at the end of the input amount, and if a plurality of 0's are present, the anomaly alarm system recalculates the amount value of one 0 less, two 0 less, with the merchant average and the user's own average under the merchant, for example: and comparing the average value of the consumption amount of the user under the merchant with the amount of the user after 0 is reduced, and judging whether the average value is in a reasonable range. If yes, prompting the customer whether to input one more 0, inputting two values into the naive Bayes module, inputting abnormal probability, if yes, continuing to subtract one from the numerical value of 0 until the numerical value is input into the naive Bayes module, outputting the numerical value to be normal, then suggesting to the user whether you want to input sum, and asking for confirmation.
Fig. 5 is a schematic structural diagram of a transaction amount verification apparatus according to an embodiment of the present invention, and as shown in fig. 5, the transaction amount verification apparatus according to the embodiment of the present invention includes:
the first obtaining module 21 is configured to obtain a user electronic license inquiry request, where the user electronic license inquiry request includes identity information of an initiator of the inquiry request;
the verification module 22 is used for verifying the inquiry authority of the initiator on the electronic certificate of the user according to the identity information of the initiator;
a first sending module 23, configured to send the electronic license of the user to the initiator node of the query request if the initiator has a query right on the electronic license of the user.
According to the transaction amount verifying device provided by the embodiment of the invention, before executing the transfer transaction according to the transaction request, whether the transaction amount of the transaction is abnormal or not is verified according to the historical consumption amount information of the user and/or the historical collection amount information of the receiver, if the transaction amount is abnormal, the user is reminded to check, and through the mode, the money loss of old people and people who often carelessly wrongly write the transaction amount can be reduced to a certain extent.
In some embodiments, the identity information of the initiator in the query request includes an authority certificate of the initiator, the initiator node is a node in a federation chain network, and the authority certificate of the initiator is issued to the initiator node by a node having an administrator role in the federation chain network and authorized to a node having a system administrator role.
In some embodiments, the query request further includes identity information of the user; the verifying module verifies the inquiry authority of the initiator to the electronic certificate of the user according to the authority certificate of the initiator, and comprises the following steps:
verifying whether the initiator is a node of the alliance chain or not according to the authority certificate of the initiator;
if the initiator is the node of the alliance chain, continuously verifying whether the initiator obtains the authorization of the user;
and if the initiator obtains the authorization of the user, determining that the initiator has the inquiry authority for the electronic certificate of the user.
In some embodiments, the apparatus further comprises:
and the storage module is used for generating the use information of the electronic certificate of the user according to the query request and adding the use information to the chain.
In some embodiments, the apparatus further comprises:
the second acquisition module is used for acquiring a use record query request aiming at the electronic certificate of the user;
and the second sending module is used for sending the use information of the electronic certificate of the user.
The embodiment of the apparatus provided in the embodiment of the present invention may be specifically configured to execute the processing flow of each transaction amount verification method embodiment, and the functions thereof are not described herein again, and reference may be made to the detailed description of the method embodiment.
It should be noted that the transaction amount verification method and apparatus provided in the embodiments of the present invention may be used in the financial field, and may also be used in any technical field other than the financial field.
Fig. 6 is a schematic physical structure diagram of an electronic device according to an embodiment of the present invention, and as shown in fig. 6, the electronic device may include: a processor (processor) 301, a communication interface (communication interface) 302, a memory (memory) 303 and a communication bus 304, wherein the processor 301, the communication interface 302 and the memory 303 complete communication with each other through the communication bus 304. The processor 301 may call logic instructions in the memory 303 to perform the method described in any of the embodiments above.
In addition, the logic instructions in the memory 303 may be implemented in the form of software functional units and stored in a computer readable storage medium when the logic instructions are sold or used as independent products. Based on such understanding, the technical solution of the present invention or a part thereof which substantially contributes to the prior art may be embodied in the form of a software product, which is stored in a storage medium and includes several instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-only memory (ROM), a Random Access Memory (RAM), a magnetic disk, an optical disk, or other various media capable of storing program codes.
The present embodiments disclose a computer program product comprising a computer program stored on a non-transitory computer readable storage medium, the computer program comprising program instructions which, when executed by a computer, enable the computer to perform the methods provided by the above-described method embodiments.
The present embodiment provides a computer-readable storage medium storing a computer program that causes a computer to execute the method provided by the above-described method embodiments.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention has been described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
In the description herein, reference to the description of the terms "one embodiment," "a particular embodiment," "some embodiments," "for example," "an example," "a particular example," or "some examples," etc., means that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the invention. In this specification, the schematic representations of the terms used above do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples.
The above-mentioned embodiments are provided to further explain the objects, technical solutions and advantages of the present invention in detail, and it should be understood that the above-mentioned embodiments are only examples of the present invention and should not be used to limit the scope of the present invention, and any modifications, equivalents, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (15)
1. A transaction amount verification method, comprising:
acquiring a transaction request sent by a user side, wherein the transaction request comprises transaction amount and payee information;
determining whether the transaction amount of the transaction is abnormal or not according to the historical consumption amount information of the user and/or the historical collection amount information of the payee;
and if the transaction amount of the transaction is abnormal, sending transaction amount abnormity prompting information to the user side.
2. The method of claim 1, wherein determining whether the transaction amount of the transaction is abnormal according to the historical transaction amount information of the user and/or the historical receiving amount information of the receiving party comprises:
and determining whether the transaction amount of the transaction is abnormal or not according to the percentage of the transaction amount exceeding the maximum value of the historical collection amount of the payee and the percentage of the transaction amount exceeding the average value of the historical consumption amount of the user for the payee.
3. The method of claim 2, wherein determining whether the transaction amount for the transaction is abnormal based on the percentage of the transaction amount exceeding the maximum historical collection amount of the recipient and the percentage of the transaction amount exceeding the average historical consumption amount of the user for the recipient comprises:
searching a first mapping relation library for a first transaction abnormal probability corresponding to a percentage interval in which the percentage of the transaction amount exceeding the maximum value of the historical collection amount of the payee is located, wherein the first mapping relation library stores mapping relations between the percentage interval and the transaction abnormal probability, and each percentage interval corresponds to one transaction abnormal probability;
searching a second mapping relation library for a second transaction abnormal probability corresponding to a percentage interval in which the percentage of the transaction amount exceeds the average value of the historical consumption amount of the user for the payee, wherein the second mapping relation library stores mapping relations between the percentage interval and the transaction abnormal probability, and each percentage interval corresponds to one transaction abnormal probability;
and determining whether the transaction amount of the transaction is abnormal or not according to the first transaction abnormal probability and the second transaction abnormal probability.
4. The method of claim 3, wherein the mapping relationship between the percentage interval and the abnormal transaction probability in the first mapping relationship library is determined according to the historical transaction condition of the payee;
and the mapping relation between the percentage interval and the transaction abnormal probability in the second mapping relation library is determined according to the historical transaction condition of the user.
5. The method according to any one of claims 1 to 4, wherein the sending a transaction amount abnormality prompting message to the user side if the transaction amount of the current transaction is abnormal comprises:
if the transaction amount of the transaction is abnormal, checking whether the numerical value of the transaction amount contains decimal;
and if the numerical value of the transaction amount does not contain the decimal, prompting the user to check the decimal point in the numerical value of the transaction amount.
6. The method of claim 5, wherein if the transaction amount of the transaction is abnormal, the method further comprises:
verifying whether the number of 0 at the end of the numerical value of the transaction amount exceeds a preset value;
if the number of 0 at the tail of the numerical value of the transaction amount exceeds a preset value, removing one 0 at the tail of the numerical value of the transaction amount to generate an updated transaction amount;
determining whether the updated transaction amount is abnormal or not according to the percentage of the updated transaction amount exceeding the maximum value of the historical collection amount of the payee and the percentage of the updated transaction amount exceeding the average value of the historical consumption amount of the user;
if the updated transaction amount is abnormal, continuously removing 0 from the end of the value of the updated transaction amount to serve as a new transaction amount for abnormal judgment, and repeating the steps until the new transaction amount is normal;
and sending a transaction amount confirmation request to the user side according to the normal transaction amount.
7. A transaction amount verification device, comprising:
the system comprises an acquisition module, a processing module and a processing module, wherein the acquisition module is used for acquiring a transaction request sent by a user side, and the transaction request comprises transaction amount and payee information;
the determining module is used for determining whether the transaction amount of the transaction is abnormal or not according to the historical consumption amount information of the user and/or the historical collection amount information of the payee;
and the sending module is used for sending transaction amount abnormity prompting information to the user side if the transaction amount of the transaction is abnormal.
8. The apparatus of claim 7, wherein the determining module is specifically configured to:
and determining whether the transaction amount of the transaction is abnormal or not according to the percentage of the transaction amount exceeding the maximum value of the historical collection amount of the payee and the percentage of the transaction amount exceeding the average value of the historical consumption amount of the user for the payee.
9. The apparatus of claim 8, wherein the determining module determines whether the transaction amount of the transaction is abnormal according to a percentage of the transaction amount exceeding a maximum value of a historical cash amount of the payee and a percentage of the transaction amount exceeding an average value of a historical consumption amount of the user for the payee comprises:
searching a first mapping relation base for a first transaction abnormal probability corresponding to a percentage interval in which the percentage of the transaction amount exceeding the maximum value of the historical collection amount of the payee is located, wherein the first mapping relation base stores mapping relations between the percentage intervals and the transaction abnormal probabilities, and each percentage interval corresponds to one transaction abnormal probability;
searching a second mapping relation base for a second transaction abnormal probability corresponding to a percentage interval in which the percentage of the transaction amount exceeds the average value of the historical consumption amount of the user for the payee, wherein the second mapping relation base stores mapping relations between the percentage intervals and the transaction abnormal probabilities, and each percentage interval corresponds to one transaction abnormal probability;
and determining whether the transaction amount of the transaction is abnormal or not according to the first transaction abnormal probability and the second transaction abnormal probability.
10. The apparatus according to claim 9, wherein the mapping relationship between the percentage interval and the abnormal transaction probability in the first mapping relationship library is determined according to the historical transaction condition of the payee;
and the mapping relation between the percentage interval and the transaction abnormal probability in the second mapping relation library is determined according to the historical transaction condition of the user.
11. The apparatus according to any one of claims 7 to 10, wherein the sending module is specifically configured to:
if the transaction amount of the transaction is abnormal, checking whether the numerical value of the transaction amount contains decimal;
if the transaction amount value does not contain the decimal, prompting the user to check the decimal point in the transaction amount value.
12. The apparatus of claim 11, wherein the sending module is further configured to:
if the transaction amount of the transaction is abnormal, verifying whether the number of 0 at the tail of the value of the transaction amount exceeds a preset value;
if the number of 0 at the tail of the numerical value of the transaction amount exceeds a preset value, removing one 0 at the tail of the numerical value of the transaction amount to generate an updated transaction amount;
determining whether the updated transaction amount is abnormal or not according to the percentage of the updated transaction amount exceeding the maximum value of the historical collection amount of the payee and the percentage of the updated transaction amount exceeding the average value of the historical consumption amount of the user;
if the updated transaction amount is abnormal, continuously removing 0 from the end of the value of the updated transaction amount to serve as a new transaction amount for abnormal judgment, and repeating the steps until the new transaction amount is normal;
and sending a transaction amount confirmation request to the user side according to the normal transaction amount.
13. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the method of any of claims 1 to 6 when executing the computer program.
14. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program which, when executed by a processor, implements the method of any of claims 1 to 6.
15. A computer program product, characterized in that the computer program product comprises a computer program which, when being executed by a processor, carries out the method of any one of claims 1 to 6.
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| CN202211214071.2A CN115496501A (en) | 2022-09-30 | 2022-09-30 | Transaction amount verification method and device |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN117273749A (en) * | 2023-11-21 | 2023-12-22 | 青岛巨商汇网络科技有限公司 | Transaction management method and system based on intelligent interaction |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN117273749A (en) * | 2023-11-21 | 2023-12-22 | 青岛巨商汇网络科技有限公司 | Transaction management method and system based on intelligent interaction |
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