CN115880067A

CN115880067A - Transaction abnormal data processing method and device

Info

Publication number: CN115880067A
Application number: CN202211463215.8A
Authority: CN
Inventors: 崔煜堃
Original assignee: Bank of China Ltd
Current assignee: Bank of China Ltd
Priority date: 2022-11-22
Filing date: 2022-11-22
Publication date: 2023-03-31

Abstract

The embodiment of the application provides a method and a device for processing transaction abnormal data, wherein the method comprises the following steps: collecting real-time transaction information from log information of a set transaction database; judging whether the real-time transaction information meets a preset abnormal monitoring rule, if so, executing transaction fusing operation on a corresponding merchant; the method and the device can effectively fuse abnormal merchant transactions, and ensure transaction safety.

Description

Transaction abnormal data processing method and device

Technical Field

The application relates to the field of data processing, in particular to a transaction abnormal data processing method and device.

Background

The bank as a merchant acquirer provides service on the internet for the merchant to call. However, since there are many merchants and the technical capabilities are not good, once a single merchant frequently calls the relevant interface of the bank server due to its own problems, it may cause the application of the bank server to be abnormal, and further affect the normal transactions of other merchants.

Disclosure of Invention

Aiming at the problems in the prior art, the application provides a transaction abnormal data processing method and device, which can effectively fuse abnormal merchant transactions and ensure transaction safety.

In order to solve at least one of the above problems, the present application provides the following technical solutions:

in a first aspect, the present application provides a transaction exception data processing method, including:

collecting real-time transaction information from log information of a set transaction database;

and judging whether the real-time transaction information meets a preset abnormal monitoring rule, and if so, executing transaction fusing operation on the corresponding merchant.

Further, the determining whether the real-time transaction information satisfies a preset anomaly monitoring rule includes:

determining corresponding transaction operation frequency according to the transaction quantity in the real-time transaction information within a set time period;

and judging whether the transaction operation frequency exceeds a frequency threshold value in a preset abnormity monitoring rule.

Further, the executing the transaction fusing operation on the corresponding merchant includes:

updating the link access authority of the merchant to be in a closed state;

and returning a request failure signal when the link access request of the merchant is received.

Further, after the performing the transaction fusing operation on the corresponding merchant, the method further includes:

judging whether the transaction operation frequency of the merchant acquired within a set time period after fusing is lower than a preset frequency threshold value or not;

and if so, updating the link access authority of the merchant to be in an open state.

In a second aspect, the present application provides a transaction exception data processing apparatus, comprising:

the transaction monitoring module is used for acquiring real-time transaction information from log information of a set transaction database;

and the abnormal fusing module is used for judging whether the real-time transaction information meets a preset abnormal monitoring rule, and if so, executing transaction fusing operation on the corresponding merchant.

Further, the transaction monitoring module includes:

the frequency monitoring unit is used for determining the corresponding transaction operation frequency according to the transaction quantity in the real-time transaction information within a set time period;

and the overclocking judging unit is used for judging whether the transaction operation frequency exceeds a frequency threshold value in a preset abnormity monitoring rule.

Further, the abnormal fusing module comprises:

the state updating unit is used for updating the link access authority of the merchant to be in a closed state;

and the failure feedback unit is used for returning a request failure signal when the link access request of the merchant is received.

Further, still include:

the low-frequency judging unit is used for judging whether the transaction operation frequency of the merchant acquired within a set time period after fusing is lower than a preset frequency threshold value or not;

and the access opening unit is used for updating the link access authority of the merchant to be in an opening state if the access is positive.

In a third aspect, the present application provides an electronic device, including a memory, a processor, and a computer program stored on the memory and executable on the processor, wherein the processor implements the steps of the transaction exception data processing method when executing the program.

In a fourth aspect, the present application provides a computer readable storage medium having stored thereon a computer program which, when executed by a processor, implements the steps of the transaction exception data processing method described herein.

In a fifth aspect, the present application provides a computer program product comprising computer programs/instructions which, when executed by a processor, implement the steps of the transaction exception data processing method described herein.

According to the technical scheme, the transaction abnormal data processing method and device are provided, and real-time transaction information is collected from log information of a set transaction database; and judging whether the real-time transaction information meets a preset abnormal monitoring rule, if so, executing transaction fusing operation on the corresponding merchant, thereby effectively fusing abnormal merchant transaction and ensuring transaction safety.

Drawings

In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings used in the embodiments or the prior art descriptions will be briefly described below, and it is obvious that the drawings in the following descriptions are some embodiments of the present application, and other drawings can be obtained by those skilled in the art without creative efforts.

FIG. 1 is a flow chart of a transaction exception data processing method according to an embodiment of the present application;

FIG. 2 is a second flowchart illustrating a transaction exception data processing method according to an embodiment of the present application;

FIG. 3 is a third flowchart illustrating a transaction exception data processing method according to an embodiment of the present application;

FIG. 4 is a fourth flowchart illustrating a transaction exception data processing method according to an embodiment of the present application;

FIG. 5 is a block diagram of a transaction exception data processing apparatus according to an embodiment of the present application;

FIG. 6 is a second block diagram of a transaction exception data processing apparatus according to an embodiment of the present application;

fig. 7 is a third block diagram of a transaction exception data processing apparatus according to an embodiment of the present application;

FIG. 8 is a fourth block diagram of a transaction exception data processing apparatus according to an embodiment of the present application;

fig. 9 is a schematic structural diagram of an electronic device in an embodiment of the present application.

Detailed Description

In order to make the objects, technical solutions and advantages of the embodiments of the present application clearer, the technical solutions in the embodiments of the present application will be described clearly and completely with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are some embodiments of the present application, but not all embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.

According to the technical scheme, the data acquisition, storage, use, processing and the like meet relevant regulations of national laws and regulations.

In view of the problems in the prior art, the application provides a transaction abnormal data processing method and device, which collects real-time transaction information from log information of a set transaction database; and judging whether the real-time transaction information meets a preset abnormal monitoring rule or not, and if so, executing transaction fusing operation on the corresponding merchant, thereby effectively fusing abnormal merchant transaction and ensuring transaction safety.

In order to effectively fuse the transaction of the abnormal merchant and ensure the transaction security, the application provides an embodiment of a transaction abnormal data processing method, which specifically includes the following contents, with reference to fig. 1:

step S101: and collecting real-time transaction information from the log information of the set transaction database.

Optionally, the real-time transaction information of the merchant in the present application includes but is not limited to: ordering, paying, refunding, inquiring and the like.

Optionally, the transaction data can be collected and sorted through logs or database data, and quasi-real-time monitoring is performed according to configured abnormal monitoring rules.

Step S102: and judging whether the real-time transaction information meets a preset abnormal monitoring rule, and if so, executing transaction fusing operation on the corresponding merchant.

For example, the method can be provided with an original transaction processing module (module a), a monitoring module (module B) and a fusing module (module C) are newly built, the module B collects transaction information from the module a, and the transaction processing module is called through the fusing module after the transaction information meets an abnormal monitoring rule, so that the state of the merchant is suspended.

Optionally, after the merchant initiates the transaction again, the transaction processing module blocks the transaction of the merchant according to the state of the merchant.

As can be seen from the above description, the transaction abnormal data processing method provided in the embodiment of the present application can collect real-time transaction information from log information of a set transaction database; and judging whether the real-time transaction information meets a preset abnormal monitoring rule, if so, executing transaction fusing operation on the corresponding merchant, thereby effectively fusing abnormal merchant transaction and ensuring transaction safety.

In an embodiment of the transaction exception data processing method of the present application, referring to fig. 2, the following may be further specifically included:

step S201: and determining the corresponding transaction operation frequency according to the transaction quantity in the real-time transaction information within a set time period.

Step S202: and judging whether the transaction operation frequency exceeds a frequency threshold value in a preset abnormal monitoring rule.

Optionally, the real-time transaction information of the merchant of the present application includes, but is not limited to: ordering, paying, refunding, inquiring and the like.

In an embodiment of the transaction exception data processing method of the present application, referring to fig. 3, the following may be further specifically included:

step S301: and updating the link access authority of the merchant to be in a closed state.

Step S302: and returning a request failure signal when the link access request of the merchant is received.

In an embodiment of the transaction exception data processing method of the present application, referring to fig. 4, the following may be further specifically included:

step S401: and judging whether the transaction operation frequency of the merchant acquired within a set time period after fusing is lower than a preset frequency threshold value.

Step S402: and if so, updating the link access authority of the merchant to be in an open state.

In order to effectively fuse the transaction of the abnormal merchant and ensure the transaction security, the present application provides an embodiment of a transaction abnormal data processing apparatus for implementing all or part of the contents of the transaction abnormal data processing method, and referring to fig. 5, the transaction abnormal data processing apparatus specifically includes the following contents:

and the transaction monitoring module 10 is used for acquiring real-time transaction information from log information of the set transaction database.

And the abnormal fusing module 20 is configured to determine whether the real-time transaction information meets a preset abnormal monitoring rule, and if so, perform a transaction fusing operation on a corresponding merchant.

As can be seen from the above description, the transaction abnormal data processing apparatus provided in the embodiment of the present application can acquire real-time transaction information from log information of a set transaction database; and judging whether the real-time transaction information meets a preset abnormal monitoring rule, if so, executing transaction fusing operation on the corresponding merchant, thereby effectively fusing abnormal merchant transaction and ensuring transaction safety.

In an embodiment of the transaction exception data processing apparatus of the present application, referring to fig. 6, the transaction monitoring module 10 includes:

and the frequency monitoring unit 11 is used for determining the corresponding transaction operation frequency according to the transaction quantity in the real-time transaction information within a set time period.

And an overclocking judging unit 12, configured to judge whether the transaction operation frequency exceeds a frequency threshold in a preset anomaly monitoring rule.

In an embodiment of the transaction exception data processing apparatus of the present application, referring to fig. 7, the exception fusing module 20 includes:

and a state updating unit 21, configured to update the link access right of the merchant to be in a closed state.

And the failure feedback unit 22 is used for returning a request failure signal when the link access request of the merchant is received.

In an embodiment of the transaction exception data processing apparatus of the present application, referring to fig. 8, the following contents are further specifically included:

and the low-frequency judging unit 31 is configured to judge whether the transaction operation frequency of the merchant acquired within a set time period after fusing is lower than a preset frequency threshold.

And the access opening unit 32 is configured to update the link access right of the merchant to an open state if the access is positive.

In order to effectively fuse the abnormal merchant transaction and guarantee the transaction security from a hardware level, the application provides an embodiment of an electronic device for implementing all or part of the contents in the transaction abnormal data processing method, where the electronic device specifically includes the following contents:

a processor (processor), a memory (memory), a communication Interface (Communications Interface), and a bus; the processor, the memory and the communication interface complete mutual communication through the bus; the communication interface is used for realizing information transmission between the transaction abnormal data processing device and relevant equipment such as a core service system, a user terminal, a relevant database and the like; the logic controller may be a desktop computer, a tablet computer, a mobile terminal, and the like, but the embodiment is not limited thereto. In this embodiment, the logic controller may refer to the embodiment of the transaction abnormal data processing method and the embodiment of the transaction abnormal data processing apparatus in the embodiment for implementation, and the contents thereof are incorporated herein, and repeated descriptions are omitted.

It is understood that the user terminal may include a smart phone, a tablet electronic device, a network set-top box, a portable computer, a desktop computer, a Personal Digital Assistant (PDA), an in-vehicle device, a smart wearable device, and the like. Wherein, intelligence wearing equipment can include intelligent glasses, intelligent wrist-watch, intelligent bracelet etc..

In practical applications, part of the transaction exception data processing method may be executed on the electronic device side as described above, or all operations may be completed in the client device. The selection may be specifically performed according to the processing capability of the client device, the limitation of the user usage scenario, and the like. This is not a limitation of the present application. The client device may further include a processor if all operations are performed in the client device.

The client device may have a communication module (i.e., a communication unit), and may be communicatively connected to a remote server to implement data transmission with the server. The server may include a server on the task scheduling center side, and in other implementation scenarios, the server may also include a server on an intermediate platform, for example, a server on a third-party server platform that has a communication link with the task scheduling center server. The server may include a single computer device, or may include a server cluster formed by a plurality of servers, or a server structure of a distributed apparatus.

Fig. 9 is a schematic block diagram of a system configuration of an electronic device 9600 according to the embodiment of the present application. As shown in fig. 9, the electronic device 9600 can include a central processor 9100 and a memory 9140; the memory 9140 is coupled to the central processor 9100. Notably, this fig. 9 is exemplary; other types of structures may also be used in addition to or in place of the structure to implement telecommunications or other functions.

In one embodiment, the transaction exception data handling method function may be integrated into the central processor 9100.

The central processor 9100 may be configured to control as follows:

As can be seen from the above description, the electronic device provided in the embodiment of the present application collects real-time transaction information from log information of a set transaction database; and judging whether the real-time transaction information meets a preset abnormal monitoring rule, if so, executing transaction fusing operation on the corresponding merchant, thereby effectively fusing abnormal merchant transaction and ensuring transaction safety.

In another embodiment, the transaction exception data processing apparatus may be configured separately from the central processor 9100, for example, the transaction exception data processing apparatus may be configured as a chip connected to the central processor 9100, and the transaction exception data processing method function may be realized by the control of the central processor.

As shown in fig. 9, the electronic device 9600 may further include: a communication module 9110, an input unit 9120, an audio processor 9130, a display 9160, and a power supply 9170. It is noted that the electronic device 9600 also does not necessarily include all of the components shown in fig. 9; in addition, the electronic device 9600 may further include components not shown in fig. 9, which may be referred to in the prior art.

As shown in fig. 9, a central processor 9100, sometimes referred to as a controller or operational control, can include a microprocessor or other processor device and/or logic device, which central processor 9100 receives input and controls the operation of the various components of the electronic device 9600.

The memory 9140 can be, for example, one or more of a buffer, a flash memory, a hard drive, a removable media, a volatile memory, a non-volatile memory, or other suitable device. The information relating to the failure may be stored, and a program for executing the information may be stored. And the central processing unit 9100 can execute the program stored in the memory 9140 to realize information storage or processing, or the like.

The input unit 9120 provides input to the central processor 9100. The input unit 9120 is, for example, a key or a touch input device. The power supply 9170 is used to provide power to the electronic device 9600. The display 9160 is used for displaying display objects such as images and characters. The display may be, for example, but is not limited to, an LCD display.

The memory 9140 can be a solid state memory, e.g., read Only Memory (ROM), random Access Memory (RAM), a SIM card, or the like. There may also be a memory that holds information even when power is off, can be selectively erased, and is provided with more data, an example of which is sometimes called an EPROM or the like. The memory 9140 could also be some other type of device. Memory 9140 includes a buffer memory 9141 (sometimes referred to as a buffer). The memory 9140 may include an application/function storage portion 9142, the application/function storage portion 9142 being used for storing application programs and function programs or for executing a flow of operations of the electronic device 9600 by the central processor 9100.

The memory 9140 can also include a data store 9143, the data store 9143 being used to store data, such as contacts, digital data, pictures, sounds, and/or any other data used by an electronic device. The driver storage portion 9144 of the memory 9140 may include various drivers for the electronic device for communication functions and/or for performing other functions of the electronic device (e.g., messaging applications, contact book applications, etc.).

The communication module 9110 is a transmitter/receiver 9110 that transmits and receives signals via an antenna 9111. The communication module (transmitter/receiver) 9110 is coupled to the central processor 9100 to provide input signals and receive output signals, which may be the same as in the case of a conventional mobile communication terminal.

Based on different communication technologies, a plurality of communication modules 9110, such as a cellular network module, a bluetooth module, and/or a wireless local area network module, may be provided in the same electronic device. The communication module (transmitter/receiver) 9110 is also coupled to a speaker 9131 and a microphone 9132 via an audio processor 9130 to provide audio output via the speaker 9131 and receive audio input from the microphone 9132, thereby implementing ordinary telecommunications functions. The audio processor 9130 may include any suitable buffers, decoders, amplifiers and so forth. In addition, the audio processor 9130 is also coupled to the central processor 9100, thereby enabling recording locally through the microphone 9132 and enabling locally stored sounds to be played through the speaker 9131.

The embodiment of the present application further provides a computer-readable storage medium capable of implementing all the steps of the transaction abnormal data processing method whose main execution body is the server or the client in the foregoing embodiments, where the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, all the steps of the transaction abnormal data processing method whose main execution body is the server or the client are implemented, for example, when the processor executes the computer program, the following steps are implemented:

As can be seen from the above description, the computer-readable storage medium provided in the embodiments of the present application collects real-time transaction information from log information of a set transaction database; and judging whether the real-time transaction information meets a preset abnormal monitoring rule, if so, executing transaction fusing operation on the corresponding merchant, thereby effectively fusing abnormal merchant transaction and ensuring transaction safety.

Embodiments of the present application further provide a computer program product capable of implementing all steps in the transaction abnormal data processing method in which the execution subject is the server or the client in the above embodiments, and when executed by a processor, the computer program/instruction implements the steps of the transaction abnormal data processing method, for example, the computer program/instruction implements the following steps:

As can be seen from the above description, the computer program product provided in the embodiments of the present application collects real-time transaction information from log information of a set transaction database; and judging whether the real-time transaction information meets a preset abnormal monitoring rule or not, and if so, executing transaction fusing operation on the corresponding merchant, thereby effectively fusing abnormal merchant transaction and ensuring transaction safety.

As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, apparatus, 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 is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (devices), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams 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.

The principle and the implementation mode of the invention are explained by applying specific embodiments in the invention, and the description of the embodiments is only used for helping to understand the method and the core idea of the invention; meanwhile, for a person skilled in the art, according to the idea of the present invention, the specific embodiments and the application range may be changed, and in summary, the content of the present specification should not be construed as a limitation to the present invention.

Claims

1. A transaction exception data processing method, the method comprising:

2. The transaction exception data processing method according to claim 1, wherein said determining whether the real-time transaction information satisfies a preset exception monitoring rule comprises:

and judging whether the transaction operation frequency exceeds a frequency threshold value in a preset abnormal monitoring rule.

3. The transaction exception data processing method according to claim 1, wherein the performing transaction fusing operation on the corresponding merchant includes:

updating the link access authority of the merchant to be in a closed state;

4. The transaction exception data processing method according to claim 1, further comprising, after said performing a transaction fusing operation on the corresponding merchant:

5. A transaction exception data processing apparatus, comprising:

6. The transaction exception data processing apparatus according to claim 5, wherein the transaction monitoring module comprises:

7. The transaction exception data processing apparatus according to claim 5, wherein the exception fusing module comprises:

8. The transaction exception data processing apparatus according to claim 5, further comprising:

9. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the steps of the transaction exception data processing method of any one of claims 1 to 4 when executing the program.

10. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the transaction exception data processing method according to any one of claims 1 to 4.

11. A computer program product comprising computer program/instructions, characterized in that the computer program/instructions, when executed by a processor, implement the steps of the transaction exception data processing method of any one of claims 1 to 4.