CN116128650A

CN116128650A - Cross-institution transaction data monitoring method and device

Info

Publication number: CN116128650A
Application number: CN202310158806.2A
Authority: CN
Inventors: 刘尧飞; 符若楠; 方家乐; 张治坤
Original assignee: Industrial and Commercial Bank of China Ltd ICBC
Current assignee: Industrial and Commercial Bank of China Ltd ICBC
Priority date: 2023-02-14
Filing date: 2023-02-14
Publication date: 2023-05-16

Abstract

The embodiment of the invention provides a cross-mechanism transaction data monitoring method and device, which can be used in the technical field of artificial intelligence, and the method comprises the following steps: receiving current transaction data of each member institution sent by a clearing institution, wherein the current transaction data comprises a plurality of transaction indexes; obtaining index evaluation values of each transaction index of each member institution according to the obtained historical transaction data and the current transaction data; obtaining monitoring evaluation values of different level dimensions according to the index evaluation values of each transaction index of each member mechanism through a preset weight file, and generating the index evaluation values of the transaction indexes according to current transaction data reported by each mechanism; the index evaluation value of each transaction index of each member institution is comprehensively studied and judged in different level dimensions, the authenticity of the running condition can be guaranteed, the information comprehensiveness is improved, the business running condition of the whole industry is controlled, and the supervision efficiency is improved.

Description

Cross-institution transaction data monitoring method and device

Technical Field

The invention relates to the technical field of computers, in particular to the technical field of artificial intelligence, and particularly relates to a cross-mechanism transaction data monitoring method and device.

Background

Monitoring transaction data of each institution is one of means for risk control of financial institutions, and plays a vital role in protecting property safety. In the related technology, the operation condition of a certain type or multiple types of services can be monitored only through a single mechanism, an industry supervision unit can not control the operation condition of key infrastructure services of the whole industry, can only receive the operation condition reported by each mechanism, and can not guarantee the authenticity of the operation condition; the industry supervision unit can only acquire the conditions of a single mechanism, a single type service and a single index, so that the information comprehensiveness is poor; due to inconsistent monitoring standards of all institutions, the industry supervision units cannot conduct industry-level comprehensive research and judgment, and the supervision efficiency is low.

Disclosure of Invention

The invention aims to provide a cross-institution transaction data monitoring method, which generates an index evaluation value of a transaction index according to current transaction data reported by each institution; the index evaluation value of each transaction index of each member institution is comprehensively studied and judged in different level dimensions, the authenticity of the running condition can be guaranteed, the information comprehensiveness is improved, the business running condition of the whole industry is controlled, and the supervision efficiency is improved. It is another object of the present invention to provide a cross-institution transaction data monitoring device. It is yet another object of the present invention to provide a computer readable medium. It is a further object of the invention to provide a computer device.

In order to achieve the above object, an aspect of the present invention discloses a cross-institution transaction data monitoring method, including:

receiving current transaction data of each member institution sent by a clearing institution, wherein the current transaction data comprises a plurality of transaction indexes;

obtaining index evaluation values of each transaction index of each member institution according to the obtained historical transaction data and the current transaction data;

and obtaining monitoring evaluation values of different level dimensions according to the index evaluation values of each transaction index of each member institution through a preset weight file.

Preferably, obtaining the index evaluation value of each transaction index of each member institution according to the obtained historical transaction data and the current transaction data includes:

obtaining a reference value of each transaction index according to historical transaction data through a sigma criterion;

according to the current transaction data and the reference value of each transaction index, carrying out standardization processing on each transaction index to obtain standardized data of each transaction index;

and carrying out reverse amplification processing on the standardized data of each trade index to obtain an index evaluation value of each trade index.

Preferably, the hierarchy dimension includes a single member institution, the monitoring evaluation value includes a business evaluation value of the member institution and an overall evaluation value of the member institution, and the weight file includes a single member institution business weight and a single member institution overall weight;

Obtaining monitoring evaluation values of different level dimensions according to the index evaluation values of each transaction index of each member institution through a preset weight file, wherein the monitoring evaluation values comprise:

according to the business weight of the single member institution, carrying out weighted calculation on the index evaluation value of each transaction index of the member institution to obtain the business evaluation value of the member institution;

and carrying out weighted calculation on the business evaluation values of the member institutions according to the overall weights of the single member institutions to obtain the overall evaluation values of the member institutions.

Preferably, the level dimension comprises a single-class service, the monitoring evaluation value comprises a single-class service evaluation value, and the weight file comprises a single-class service weight;

and carrying out weighted calculation on the service evaluation value of each member institution according to the single-class service weight to obtain the single-class service evaluation value.

Preferably, the rank dimension comprises a single clearing house, the monitoring evaluation value comprises a clearing house evaluation value, and the weight file comprises a clearing house business weight;

And carrying out weighted calculation on the single-class service evaluation value according to the service weight of the clearing institution to obtain the clearing institution evaluation value.

Preferably, the level dimension comprises the current industry, the monitoring evaluation value comprises an industry evaluation value, and the weight file comprises an industry organization weight;

and carrying out weighted calculation on the evaluation value of the clearing institution according to the weight of the industry institution to obtain the industry evaluation value.

Preferably, the method further comprises:

judging whether a system abnormality exists or not according to the monitoring evaluation values of different level dimensions and the receiving time interval of the current transaction data;

if the system is abnormal, generating an early warning work order.

Preferably, the judging whether the system abnormality exists according to the monitoring evaluation values of different level dimensions and the receiving time interval of the current transaction data comprises the following steps:

judging whether an evaluation value is abnormal or not according to a monitoring evaluation value by a preset evaluation threshold standard, and judging whether a data set is abnormal or not according to a receiving time interval of current transaction data by a preset interval threshold standard;

If the rating value is abnormal and/or the data set is abnormal, determining that the system is abnormal;

and if the evaluation value abnormality and the data set abnormality do not exist, determining that the system abnormality does not exist.

Preferably, before the early warning work order is generated, the method further comprises:

judging whether system change occurs or not;

if no system change occurs, judging whether the duration of the abnormal system is greater than or equal to a preset duration threshold;

if the duration of the abnormal system is greater than or equal to a preset duration threshold, continuing to execute the step of generating the early warning work order.

judging whether the system abnormality of the same member mechanism exists in a preset time window;

if the system abnormality exists, carrying out additional pre-warning on the original pre-warning worksheets corresponding to the same system abnormality;

if not, continuing to execute the step of early warning worksheets.

The invention also discloses a cross-mechanism transaction data monitoring device, which comprises:

the receiving unit is used for receiving the current transaction data of each member institution sent by the clearing institution, wherein the current transaction data comprises a plurality of transaction indexes;

the index evaluation value generation unit is used for obtaining the index evaluation value of each transaction index of each member institution according to the acquired historical transaction data and current transaction data;

The monitoring evaluation value generation unit is used for obtaining monitoring evaluation values of different level dimensions according to the index evaluation values of each transaction index of each member mechanism through a preset weight file.

The invention also discloses a computer readable medium having stored thereon a computer program which when executed by a processor implements a method as described above.

The invention also discloses a computer device comprising a memory for storing information comprising program instructions and a processor for controlling the execution of the program instructions, the processor implementing the method as described above when executing the program.

The invention also discloses a computer program product comprising a computer program/instruction which, when executed by a processor, implements a method as described above.

The invention receives the current transaction data of each member institution sent by the clearing institution, wherein the current transaction data comprises a plurality of transaction indexes; obtaining index evaluation values of each transaction index of each member institution according to the obtained historical transaction data and the current transaction data; obtaining monitoring evaluation values of different level dimensions according to the index evaluation values of each transaction index of each member mechanism through a preset weight file, and generating the index evaluation values of the transaction indexes according to current transaction data reported by each mechanism; the index evaluation value of each transaction index of each member institution is comprehensively studied and judged in different level dimensions, the authenticity of the running condition can be guaranteed, the information comprehensiveness is improved, the business running condition of the whole industry is controlled, and the supervision efficiency is improved.

Drawings

In order to more clearly illustrate the embodiments of the invention or the technical solutions in the prior art, the drawings that are required in the embodiments or the description of the prior art will be briefly described, it being obvious that the drawings in the following description are only some embodiments of the invention, and that other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.

FIG. 1 is a flow chart of a cross-institution transaction data monitoring method provided by an embodiment of the present invention;

FIG. 2 is a flow chart of yet another method for cross-institution transaction data monitoring provided by an embodiment of the present invention;

fig. 3 is a schematic structural diagram of a cross-institution transaction data monitoring device according to an embodiment of the present invention;

fig. 4 is a schematic structural diagram of a computer device according to an embodiment of the present invention.

Detailed Description

The following description of the embodiments of the present invention will be made clearly and completely with reference to the accompanying drawings, in which it is apparent that the embodiments described are only some embodiments of the present invention, but not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.

It should be noted that the method and the device for monitoring transaction data of across mechanisms disclosed in the present application can be used in the technical field of artificial intelligence, and also can be used in any field other than the technical field of artificial intelligence, and the application field of the method and the device for monitoring transaction data of across mechanisms disclosed in the present application is not limited.

In order to facilitate understanding of the technical solutions provided in the present application, the following description will first explain relevant content of the technical solutions of the present application. The invention solves the defects of the respective monitoring technology of the existing single institutions through carrying out in-depth research on core indexes of industry key infrastructure services, verifying real data and optimizing the best practices of the industries, provides a whole condition evaluation system for the financial industry, can effectively improve the control degree of the supervision institutions on the whole condition of the industries, improves the emergency efficiency of the financial industry for dealing with sudden abnormality of the industry level, and ensures that the financial industry runs stably and has important social significance.

The implementation process of the cross-institution transaction data monitoring method provided by the embodiment of the invention is described below by taking the cross-institution transaction data monitoring device as an execution subject. It can be appreciated that the execution subject of the cross-institution transaction data monitoring method provided by the embodiment of the present invention includes, but is not limited to, a cross-institution transaction data monitoring device.

Fig. 1 is a flowchart of a cross-institution transaction data monitoring method according to an embodiment of the present invention, as shown in fig. 1, where the method includes:

step 101, receiving current transaction data of each member institution sent by a clearing institution, wherein the current transaction data comprises a plurality of transaction indexes.

Step 102, obtaining an index evaluation value of each transaction index of each member institution according to the obtained historical transaction data and the current transaction data.

And step 103, obtaining monitoring evaluation values of different level dimensions according to the index evaluation values of each transaction index of each member institution through a preset weight file.

It is worth to be noted that, in the technical scheme in the application, the acquisition, storage, use, processing and the like of the data all conform to relevant regulations of legal regulations. The user information in the embodiment of the application is obtained through legal compliance approaches, and the user information is obtained, stored, used, processed and the like through client authorization consent.

In the technical scheme provided by the embodiment of the invention, the current transaction data of each member mechanism sent by the clearing mechanism is received, wherein the current transaction data comprises a plurality of transaction indexes; obtaining index evaluation values of each transaction index of each member institution according to the obtained historical transaction data and the current transaction data; obtaining monitoring evaluation values of different level dimensions according to the index evaluation values of each transaction index of each member mechanism through a preset weight file, and generating the index evaluation values of the transaction indexes according to current transaction data reported by each mechanism; the index evaluation value of each transaction index of each member institution is comprehensively studied and judged in different level dimensions, the authenticity of the running condition can be guaranteed, the information comprehensiveness is improved, the business running condition of the whole industry is controlled, and the supervision efficiency is improved.

Fig. 2 is a flowchart of another method for monitoring transaction data across institutions according to an embodiment of the present invention, as shown in fig. 2, the method includes:

step 201, receiving current transaction data of each member institution sent by the clearing institution, wherein the current transaction data comprises a plurality of transaction indexes.

In the embodiment of the invention, each step is executed by a cross-institution transaction data monitoring device.

In an embodiment of the present invention, a clearing house (CCP house) refers to a financial infrastructure operating unit in a financial system. A member institution refers to an institution having business interactions with CCP institutions, different CCP institutions having different member institutions, and a CCP institution may be a member institution of other CCP institutions. An access mechanism refers to a mechanism participating in the device, and the access mechanism is in an inclusive relationship with the member mechanism set of all CCP mechanisms.

In the embodiment of the invention, the transaction index comprises, but is not limited to, transaction amount (V), transaction Time Delay (TD) and system Success Rate (SR). The transaction amount (V) is counted in a counting period, and the unit of the transaction amount (V) is the number of service request messages processed by the CCP mechanism and accessed to the mechanism system. The Transaction Delay (TD) is the traffic message processing time of the access institution system that is counted in the counting period and processed by the CCP institution. Specifically, subtracting the time of sending the corresponding service request message by the CCP mechanism from the response time of receiving the service request message by the CCP mechanism to obtain transaction Time Delay (TD) in milliseconds. The system Success Rate (SR) is the ratio of the successful transaction amount (CV) to the transaction amount (V), i.e.: SR = CV/V in%. The successful transaction amount (CV) is the number of service request messages of successful transaction counted in the counting period, and the unit is the number of strokes. Specifically, counting the number of service request messages of the failed transaction, and determining the sum of the number of service request messages corresponding to the overtime unreturned response of the member mechanism system, the number of service request messages corresponding to the system error response judged by the CCP mechanism system and the number of service request messages corresponding to the system error code response returned by the member mechanism system as the number of service request messages of the failed transaction; subtracting the number of service request messages of the failed transaction from the transaction amount (V) to obtain the number of service request messages of the successful transaction.

Specifically, the clearing mechanism (CCP mechanism) reports the current transaction data of each member mechanism according to the dimension of the service type and the preset time interval. For example: reported transaction data are shown in table 1:

TABLE 1

Step 202, obtaining a reference value of each transaction index according to historical transaction data through sigma criteria.

In the embodiment of the invention, the reference value (EV) is the minimum value or the maximum value of various transaction indexes at the current moment under the normal condition.

In the embodiment of the invention, the basic principle of the sigma criterion is that a group of test data is assumed to only contain random errors, standard deviation is obtained by calculating the test data, a section is determined according to a certain probability, and the error exceeding the section is considered to be not random error but coarse error, and the data containing the error should be removed.

In the embodiment of the invention, the historical transaction data are stored in the database, and the historical transaction data can be obtained from the database. The historical transaction data comprises a data sequence at the same moment (minute) in X days, wherein the value of X can be adjusted according to the data condition, and the more the data is, the higher the accuracy of the final result is. As an alternative, the value of X is 60.

Specifically, a historical transaction average value and a historical transaction standard deviation are calculated according to historical transaction data; obtaining a transaction index reference value range according to the historical transaction average value and the historical transaction standard deviation of the designated multiple by using a sigma criterion; the upper or lower limit of the range of reference values is determined as the trade index reference value. It is worth to say that, the historical transaction standard deviation can select different multiples according to different service types and different indexes; according to different trade indexes, the upper limit or the lower limit of the reference value range can be taken as the reference value of the trade index according to the service requirement. As an alternative, a multiple of 3 is specified.

For example, for a reference value of transaction amount: subtracting the historical transaction standard deviation of the transaction amount by 3 times from the historical transaction average of the transaction amount, namely: and taking the lower limit of the range of the reference value to obtain the reference value of the transaction amount.

For example, for a reference value of system success rate: subtracting the historical transaction standard deviation of the system success rate by 3 times from the historical transaction average value of the system success rate, namely: and taking the lower limit of the range of the reference value to obtain the reference value of the success rate of the system.

For example, for a reference value of transaction delay: adding the historical transaction average value of the transaction delay to the historical transaction standard deviation of the transaction delay by 3 times, namely: and taking the upper limit of the range of the reference value to obtain the reference value of the transaction delay.

It is worth to say that, the invention adopts the statistical average method in calculating the reference value of the trade index, and the reference value can also be calculated by means of random forest, random vector machine and the like. The embodiment of the invention does not limit the calculation mode of the reference value.

Step 203, according to the current transaction data and the reference value of each transaction index, performing standardization processing on each transaction index to obtain the standardization data of each transaction index.

In the embodiment of the present invention, different transaction indexes correspond to different standardized processing manners, for example: the standardized processing mode corresponding to the transaction time delay is a logarithmic mode; the standardized processing mode corresponding to the transaction amount and the system success rate is a divisor mode.

Specifically, taking the absolute value of the difference between the current transaction data of each transaction index and the corresponding reference value; and (3) carrying out standardization processing on the absolute value of the difference value according to a standardization scheme corresponding to the transaction index to obtain standardized data of each transaction index, wherein the value range of the standardized data is [0,1].

Specifically, for the transaction amounts, taking the absolute value of the difference between the current transaction data of each transaction amount and the reference value of the transaction amount; dividing the absolute value of the difference by the reference value of the transaction amount to obtain standardized data of the transaction amount.

For the system success rate, taking the absolute value of the difference between the current transaction data of each system success rate and the reference value of the system success rate; dividing the absolute value of the difference by the reference value of the system success rate to obtain the standardized data of the system success rate.

For the transaction time delay, taking the absolute value of the difference between the current transaction data of each transaction time delay and the reference value of the transaction time delay; and (3) carrying out standardized calculation on the absolute value of the difference value in a logarithmic mode based on 10, so as to obtain standardized data of transaction delay.

It is worth to say that the invention adopts a logarithmic or divisor mode as a standardized processing mode, and can also perform standardized processing by other various statistical data standardized methods. The embodiment of the invention does not limit the standardized processing mode.

And 204, carrying out reverse amplification processing on the standardized data of each transaction index to obtain an index evaluation value of each transaction index.

Specifically, subtracting the standardized data of the transaction index from 1 to obtain reverse data; and multiplying the reverse data by a preset designated multiple to obtain an index evaluation value of each transaction index, wherein the range of the index evaluation value is [0,100]. As an alternative, the preset specified multiple is 100.

In the embodiment of the invention, the index evaluation value is used for measuring whether the trade index is normal or not, and the higher the index evaluation value is, the better the running condition of the trade index is; the index evaluation value is at the end of the month, which indicates that the operation condition of the transaction index is worse.

Step 205, obtaining monitoring evaluation values of different level dimensions according to the index evaluation values of each transaction index of each member institution through a preset weight file.

In the embodiment of the invention, different level dimensions correspond to different calculation modes of the monitoring evaluation values. The hierarchy dimension includes a single member institution, a single class of business, a single clearing institution, and the current industry; the weight file includes individual member institution business weights, individual member institution overall weights, individual class business weights, clearinghouse business weights, and industry institution weights. The monitoring evaluation values include a business evaluation value of a member institution, an overall evaluation value of the member institution, a single-class business evaluation value, a clearing institution evaluation value, and an industry evaluation value. The following describes in detail the process of generating the monitoring evaluation values of different level dimensions with respect to the different level dimensions.

When the rank dimension is a single member institution, the monitoring evaluation value comprises a business evaluation value of the member institution and an overall evaluation value of the member institution, and the weight file comprises a single member institution business weight and a single member institution overall weight. Step 205 specifically includes:

Step 2051, according to the business weight of the single member institution, weighting calculation is performed on the index evaluation value of each transaction index of the member institution, so as to obtain the business evaluation value of the member institution.

In the embodiment of the invention, the business weight of the single member mechanism is preset according to the actual situation, and the follow-up adjustment can be carried out according to the index running situation. The business weight of a single member institution is the weight respectively set for different transaction indexes under the member institution.

Specifically, according to weights corresponding to different trade indexes, respectively carrying out weighted calculation on the index evaluation value of each trade index to obtain a service evaluation value. The service evaluation value is used for measuring the operation condition of the service of the member institution, and the higher the service evaluation value is, the better the operation condition of the service of the member institution is; the lower the business evaluation value, the worse the operation of the business of the member institution.

Step 2052, performing weighted calculation on the business evaluation values of the member institutions according to the overall weights of the individual member institutions, and obtaining the overall evaluation values of the member institutions.

In the embodiment of the invention, the overall weight of the single member mechanism is preset according to the actual situation, and the follow-up adjustment can be carried out according to the service running situation. The overall weight of a single member institution is the weight set for different services under the member institution.

Specifically, the service evaluation values of the member institutions are respectively weighted according to the weights corresponding to different services, so that the overall evaluation values of the member institutions are obtained. The overall evaluation value of the member institution is used for measuring the running condition of the member institution, and the higher the overall evaluation value of the member institution is, the better the running condition of the member institution is indicated; the lower the overall rating of a member institution, the worse the member institution's operation.

Further, when the class dimension includes a single-class service, the monitoring evaluation value includes a single-class service evaluation value, and the weight file includes a single-class service weight.

Step 205 specifically comprises: and carrying out weighted calculation on the service evaluation value of each member institution according to the single-class service weight to obtain the single-class service evaluation value.

In the embodiment of the invention, the single-class service weight is preset according to the actual situation, and the follow-up operation situation of the service can be adaptively adjusted according to different institutions. The single-class service weight is the weight respectively set for different member institutions corresponding to the same service.

Specifically, according to weights corresponding to different member institutions corresponding to the same service, respectively performing weighted calculation on service evaluation values corresponding to the service of each member institution to obtain single-class service evaluation values. The single-class service evaluation value is used for measuring the running condition of the service, and the higher the single-class service evaluation value is, the better the running condition of the service is; the lower the single service evaluation value is, the worse the operation condition of the service is.

Further, when the rank dimension comprises a single clearinghouse, the monitoring evaluation value comprises a clearinghouse evaluation value, and the weight file comprises a clearinghouse business weight.

Step 205 specifically comprises: and carrying out weighted calculation on the single-class service evaluation value according to the service weight of the clearing institution to obtain the clearing institution evaluation value.

In the embodiment of the invention, the service weight of the clearing mechanism is preset according to the actual situation, and the service weight can be adjusted in a follow-up mode according to the running situations of various services of different mechanisms. The clearing house business weight is the weight set for different business.

Specifically, the evaluation values of the single-class services are respectively weighted according to the weights corresponding to different services, and the evaluation values of the clearing institutions are obtained. The clearing mechanism evaluation value is used for measuring the running condition of the clearing mechanism, and the higher the clearing mechanism evaluation value is, the better the running condition of the clearing mechanism is; the lower the clearing house rating value, the worse the clearing house's operation.

Further, when the rank dimension includes the current industry, the monitoring evaluation value includes an industry evaluation value, and the weight file includes an industry organization weight.

Step 205 specifically comprises: and carrying out weighted calculation on the evaluation value of the clearing institution according to the weight of the industry institution to obtain the industry evaluation value.

In the embodiment of the invention, the weight of the industry mechanism is preset according to the actual situation, and the follow-up adjustment can be carried out according to the running situations of different clearing institutions. Industry agency weights are weights set separately for different clearinghouses.

Specifically, weighting calculation is respectively carried out on the evaluation values of the clearing institutions according to the weights corresponding to different clearing institutions, so as to obtain industry evaluation values. The industry evaluation value is used for measuring the running condition of the whole industry, and the higher the industry evaluation value is, the better the running condition of the whole industry is; the lower the industry evaluation value, the worse the running condition of the whole industry.

The invention can realize the operation condition of key infrastructure services of different level dimensions controlled by the cross-mechanism, and greatly improves the supervision efficiency of the mechanism; the running conditions of the same type of industry can be obtained at the first time, the emergency treatment pertinence of the abnormal conditions of the mechanism is increased, and the cooperative combat capability of the mechanism in the industry is improved.

Step 206, judging whether a system abnormality exists according to the monitoring evaluation values of different level dimensions and the receiving time interval of the current transaction data; if there is a system abnormality, go to step 207; if the system abnormality does not exist, the process is ended.

In the embodiment of the invention, the judgment of whether the running condition is normal or not can be realized from single granularity to integral granularity through the score of the evaluation value, the acquisition and the processing of the abnormal detail condition are more convenient for a clearing mechanism and a member mechanism, and the judgment of whether the system is abnormal or not can be also carried out through the monitoring evaluation values of different level dimensions and the receiving time interval of the current transaction data.

In the embodiment of the present invention, step 206 specifically includes:

step 2061, judging whether the evaluation value is abnormal according to the monitoring evaluation value by a preset evaluation threshold standard, judging whether the data set is abnormal according to the receiving time interval of the current transaction data by a preset interval threshold standard, and executing step 2062 if the evaluation value is abnormal and/or the data set is abnormal; if there is no evaluation value abnormality or data set abnormality, step 2063 is performed.

In the embodiment of the invention, the evaluation threshold criteria comprise the monitoring threshold corresponding to the monitoring evaluation values of different level dimensions. It should be noted that the evaluation threshold standard may be set according to an actual operation condition, which is not limited in the embodiment of the present invention. As an alternative, the monitoring threshold values corresponding to the monitoring evaluation values of different level dimensions are all set to 97.

It should be noted that the time interval threshold may be set according to an actual operation condition, which is not limited by the embodiment of the present invention.

In the embodiment of the invention, the receiving time interval is a time difference between the current time and the receiving time of the current transaction data of each member institution transmitted by the clearing institution.

Specifically, it is determined whether the monitored evaluation value is smaller than the corresponding monitored threshold, and whether the receiving time interval is larger than the time interval threshold, if the monitored evaluation value is smaller than the corresponding monitored threshold, it is indicated that the evaluation value is abnormal, step 2062 is executed; if the receiving time interval is greater than the time interval threshold, indicating that an abnormality in the data set occurs, executing step 2062; if the monitored evaluation value is greater than or equal to the corresponding monitored threshold value and the receiving time interval is less than the time interval threshold value, it indicates that neither an abnormality in the evaluation value nor an abnormality in the data set has occurred, and step 2063 is continued.

Step 2062, determining that there is a system abnormality, and ending this step.

In the embodiment of the invention, if the evaluation value is abnormal and/or the data set is abnormal, the system abnormality is indicated.

Step 2063, determining that there is no system abnormality, and ending the flow.

In the embodiment of the invention, if neither the evaluation value abnormality nor the data set abnormality occurs, the system abnormality is not shown.

Step 207, judging whether a system change occurs, if not, executing step 208; if the system change occurs, the process ends.

In the embodiment of the invention, the system change information is queried from the change database, whether the system change occurs is judged, if the system change occurs, the system abnormality is caused by the system change, and the flow is ended; if no system change has occurred, indicating that the system is abnormal due to an operational problem, step 208 is continued.

In the embodiment of the invention, whether the system is changed or not is judged by changing the database, so that the early warning generated by the unavailability of the system caused by the planned change can be reduced, and the false alarm is reduced.

Step 208, judging whether the duration of the system abnormality is greater than or equal to a preset duration threshold, if so, continuing to execute step 211; if not, the process ends.

In the embodiment of the invention, the time length threshold is preset according to actual operation requirements, and the embodiment of the invention is not limited to the time length threshold. As an alternative, the duration threshold is 10 minutes.

Specifically, if the duration of the system anomaly is greater than or equal to the preset duration threshold, indicating that the anomaly event is not sporadic interference, continuing to execute step 211; if the duration of the system abnormality is smaller than a preset duration threshold, the abnormal event is indicated to be sporadic interference, and the process is ended.

In the embodiment of the invention, the subsequent early warning processing is carried out only after the abnormal duration is maintained for a period of time, so that accidental interference can be avoided, and false alarm is reduced.

It is worth to say that the evaluation threshold criteria, the interval threshold criteria and the duration threshold are all stored in the early warning database. The invention adopts expert experience method to set various thresholds, and can also determine various thresholds by statistical probability statistical method or time sequence machine algorithm. The invention is not limited to the determination mode of various thresholds.

Step 209, judging whether the system abnormality of the same member mechanism exists in a preset time window, if so, executing step 210; if not, step 211 is continued.

In the embodiment of the invention, the work order database stores the full quantity of early warning work orders. The time window may be set according to actual requirements, which is not limited in the embodiment of the present invention.

Specifically, according to the worksheet database, judging whether the same pre-warning worksheets as the member mechanisms corresponding to the current system abnormality exist in the first N time windows, if so, indicating that the pre-warning worksheets are generated for the member mechanisms corresponding to the current system abnormality, and continuing to execute step 210; if not, it indicates that no early warning is generated for the member mechanism corresponding to the current system abnormality, and step 211 is continued.

It should be noted that, the value of N may be set according to actual requirements, which is not limited in the embodiment of the present invention. As an alternative, the value of N is 2.

And 210, merging and adding early warning on the original early warning worksheets corresponding to the same member institutions, and ending the flow.

In the embodiment of the invention, if the member mechanism corresponding to the current system abnormality has previously occurred early warning, a corresponding original early warning work order is inquired from a work order database; and adding the current system abnormality on the basis of the original early warning work order to carry out merging and additional early warning, and ending the flow.

In the embodiment of the invention, the abnormal problems of the same member mechanism are combined into one early warning work order for early warning, so that the member mechanism can be informed of multiple abnormal conditions, and the excessive system pressure caused by the redundancy of the work order can be avoided.

Step 211, generating an early warning work order, and ending the flow.

In the embodiment of the invention, if the member mechanism corresponding to the current system abnormality does not generate the early warning, an early warning work order is newly established according to the current system abnormality.

Further, the early warning worksheet is issued to the corresponding member mechanism and confirmed in the platform, so that closed-loop management of the whole abnormal event is realized.

The invention aims to bring great economic benefit to the technical operation and maintenance of cross-institutions, thereby realizing the social benefit of the overall supervision capability of shutdown infrastructure business of the whole financial industry. The first time will control the operating conditions of critical infrastructure services throughout the industry. The information between the supervision mechanism and the financial institutions is efficiently uploaded and issued, new means of real-time, online and supervision are developed, and the supervision efficiency of the supervision mechanism is improved. The running conditions of the same type of industry are acquired at the first time, the pertinence of emergency treatment of abnormal conditions of the mechanism is increased, and the cooperative combat capability of the mechanism in the industry is improved.

In the technical scheme of the cross-institution transaction data monitoring method provided by the embodiment of the invention, current transaction data of each member institution transmitted by a clearing institution is received, wherein the current transaction data comprises a plurality of transaction indexes; obtaining index evaluation values of each transaction index of each member institution according to the obtained historical transaction data and the current transaction data; obtaining monitoring evaluation values of different level dimensions according to the index evaluation values of each transaction index of each member mechanism through a preset weight file, and generating the index evaluation values of the transaction indexes according to current transaction data reported by each mechanism; the index evaluation value of each transaction index of each member institution is comprehensively studied and judged in different level dimensions, the authenticity of the running condition can be guaranteed, the information comprehensiveness is improved, the business running condition of the whole industry is controlled, and the supervision efficiency is improved.

Fig. 3 is a schematic structural diagram of a cross-institution transaction data monitoring device according to an embodiment of the present invention, where the device is configured to execute the cross-institution transaction data monitoring method, as shown in fig. 3, and the device includes: a receiving unit 11, an index evaluation value generating unit 12, and a monitoring evaluation value generating unit 13.

The receiving unit 11 is configured to receive current transaction data of each member institution sent by the clearing institution, where the current transaction data includes a plurality of transaction indicators.

The index evaluation value generation unit 12 is configured to obtain an index evaluation value of each transaction index of each member institution based on the acquired historical transaction data and current transaction data.

The monitoring evaluation value generating unit 13 is configured to obtain monitoring evaluation values of different level dimensions according to the index evaluation values of each transaction index of each member institution through a preset weight file.

In the embodiment of the present invention, the index evaluation value generating unit 12 is specifically configured to obtain, according to the historical transaction data, a reference value of each transaction index according to a sigma criterion; according to the current transaction data and the reference value of each transaction index, carrying out standardization processing on each transaction index to obtain standardized data of each transaction index; and carrying out reverse amplification processing on the standardized data of each trade index to obtain an index evaluation value of each trade index.

In the embodiment of the invention, the grade dimension comprises a single member institution, the monitoring evaluation value comprises a business evaluation value of the member institution and an overall evaluation value of the member institution, and the weight file comprises a business weight of the single member institution and an overall weight of the single member institution; the monitoring evaluation value generating unit 13 is specifically configured to perform weighted calculation on the index evaluation value of each transaction index of the member institution according to the service weight of the single member institution, so as to obtain the service evaluation value of the member institution; and carrying out weighted calculation on the business evaluation values of the member institutions according to the overall weights of the single member institutions to obtain the overall evaluation values of the member institutions.

In the embodiment of the invention, the grade dimension comprises single-class service, the monitoring evaluation value comprises single-class service evaluation value, and the weight file comprises single-class service weight; the monitoring evaluation value generating unit 13 is specifically configured to perform weighted calculation on the service evaluation value of each member organization according to the single-class service weight, so as to obtain a single-class service evaluation value.

In the embodiment of the invention, the grade dimension comprises a single clearing mechanism, the monitoring evaluation value comprises an evaluation value of the clearing mechanism, and the weight file comprises the business weight of the clearing mechanism; the monitoring evaluation value generating unit 13 is specifically configured to perform weighted calculation on the single-class service evaluation value according to the service weight of the clearing institution, so as to obtain the clearing institution evaluation value.

In the embodiment of the invention, the grade dimension comprises the current industry, the monitoring evaluation value comprises the industry evaluation value, and the weight file comprises the weight of the industry organization; the monitoring evaluation value generating unit 13 is specifically configured to perform weighted calculation on the evaluation value of the clearing institution according to the weight of the industry institution, so as to obtain the industry evaluation value.

In the embodiment of the invention, the device further comprises: a system abnormality judging unit 14 and an early warning work order generating unit 15.

The system abnormality determining unit 14 is configured to determine whether or not there is a system abnormality based on the monitoring evaluation values of different level dimensions and the reception time interval of the current transaction data.

The early warning work order generation unit 15 is configured to generate an early warning work order if there is a system abnormality.

In the embodiment of the present invention, the judging unit 14 is specifically configured to judge whether an evaluation value is abnormal according to a preset evaluation threshold criterion, and judge whether a data set is abnormal according to a preset interval threshold criterion and a receiving time interval of current transaction data; if the rating value is abnormal and/or the data set is abnormal, determining that the system is abnormal; and if the evaluation value abnormality and the data set abnormality do not exist, determining that the system abnormality does not exist.

In the embodiment of the invention, the device further comprises: a system change judging unit 16 and a duration judging unit 17.

The system change judging unit 16 is used for judging whether a system change occurs.

The duration determination unit 17 is configured to determine whether the duration of the system abnormality is greater than or equal to a preset duration threshold if no system change occurs, and trigger the early warning work order generation unit 15 to continue to execute the step of generating the early warning work order if the duration of the system abnormality is greater than or equal to the preset duration threshold.

In the embodiment of the invention, the device further comprises: an early warning work order judgment unit 18 and an additional early warning unit 19.

The early warning work order judging unit 18 is used for judging whether the system abnormality of the same member mechanism exists in a preset time window; if not, triggering the early warning work order generation unit 15 to continue to execute the early warning work order step.

The additional pre-warning unit 19 is used for performing additional pre-warning on the original pre-warning worksheet corresponding to the same system abnormality if the additional pre-warning worksheet exists.

In the scheme of the embodiment of the invention, the current transaction data of each member institution sent by the clearing institution is received, wherein the current transaction data comprises a plurality of transaction indexes; obtaining index evaluation values of each transaction index of each member institution according to the obtained historical transaction data and the current transaction data; obtaining monitoring evaluation values of different level dimensions according to the index evaluation values of each transaction index of each member mechanism through a preset weight file, and generating the index evaluation values of the transaction indexes according to current transaction data reported by each mechanism; the index evaluation value of each transaction index of each member institution is comprehensively studied and judged in different level dimensions, the authenticity of the running condition can be guaranteed, the information comprehensiveness is improved, the business running condition of the whole industry is controlled, and the supervision efficiency is improved.

The system, apparatus, module or unit set forth in the above embodiments may be implemented in particular by a computer chip or entity, or by a product having a certain function. A typical implementation device is a computer device, which may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

The embodiment of the invention provides a computer device, which comprises a memory and a processor, wherein the memory is used for storing information comprising program instructions, the processor is used for controlling the execution of the program instructions, and when the program instructions are loaded and executed by the processor, the steps of the embodiment of the cross-mechanism transaction data monitoring method are realized.

Referring now to FIG. 4, there is illustrated a schematic diagram of a computer device 600 suitable for use in implementing embodiments of the present application.

As shown in fig. 4, the computer apparatus 600 includes a Central Processing Unit (CPU) 601, which can perform various appropriate works and processes according to a program stored in a Read Only Memory (ROM) 602 or a program loaded from a storage section 608 into a Random Access Memory (RAM) 603. In the RAM603, various programs and data required for the operation of the computer device 600 are also stored. The CPU601, ROM602, and RAM603 are connected to each other through a bus 604. An input/output (I/O) interface 605 is also connected to bus 604.

The following components are connected to the I/O interface 605: an input portion 606 including a keyboard, mouse, etc.; an output portion 607 including a Cathode Ray Tube (CRT), a liquid crystal feedback device (LCD), and the like, and a speaker, and the like; a storage section 608 including a hard disk and the like; and a communication section 609 including a network interface card such as a LAN card, a modem, or the like. The communication section 609 performs communication processing via a network such as the internet. The drive 610 is also connected to the I/O interface 605 as needed. Removable media 611 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on drive 610 as needed, so that a computer program read therefrom is mounted as needed as storage section 608.

In particular, according to embodiments of the present invention, the processes described above with reference to flowcharts may be implemented as computer software programs. For example, embodiments of the present invention include a computer program product comprising a computer program tangibly embodied on a machine-readable medium, the computer program comprising program code for performing the method shown in the flowchart. In such an embodiment, the computer program may be downloaded and installed from a network through the communication portion 609, and/or installed from the removable medium 611.

Computer readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of storage media for a computer include, but are not limited to, phase change memory (PRAM), static Random Access Memory (SRAM), dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), read Only Memory (ROM), electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape disk storage or other magnetic storage devices, or any other non-transmission medium, which can be used to store information that can be accessed by a computing device. Computer-readable media, as defined herein, does not include transitory computer-readable media (transmission media), such as modulated data signals and carrier waves.

For convenience of description, the above devices are described as being functionally divided into various units, respectively. Of course, the functions of each element may be implemented in one or more software and/or hardware elements when implemented in the present application.

The present invention is 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.

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising one … …" does not exclude the presence of other like elements in a process, method, article or apparatus that comprises the element.

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

It will be appreciated by those skilled in the art that embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application 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 application may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. The application may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.

In this specification, each embodiment is described in a progressive manner, and identical and similar parts of each embodiment are all referred to each other, and each embodiment mainly describes differences from other embodiments. In particular, for system embodiments, since they are substantially similar to method embodiments, the description is relatively simple, as relevant to see a section of the description of method embodiments.

The foregoing is merely exemplary of the present application and is not intended to limit the present application. Various modifications and changes may be made to the present application by those skilled in the art. Any modifications, equivalent substitutions, improvements, etc. which are within the spirit and principles of the present application are intended to be included within the scope of the claims of the present application.

Claims

1. A method for cross-institution transaction data monitoring, the method comprising:

receiving current transaction data of each member institution transmitted by a clearing institution, wherein the current transaction data comprises a plurality of transaction indexes;

obtaining an index evaluation value of each transaction index of each member institution according to the obtained historical transaction data and the current transaction data;

2. The method for monitoring transaction data across institutions according to claim 1, wherein the step of obtaining an index evaluation value of each transaction index of each member institution based on the obtained historical transaction data and the current transaction data comprises:

obtaining a reference value of each transaction index according to the historical transaction data through a sigma criterion;

and carrying out reverse amplification processing on the standardized data of each transaction index to obtain an index evaluation value of each transaction index.

3. The across-facility transaction data monitoring method of claim 1, wherein the hierarchy dimension includes a single member facility, the monitoring evaluation value includes a business evaluation value of the member facility and an overall evaluation value of the member facility, and the weight file includes a single member facility business weight and a single member facility overall weight;

the step of obtaining monitoring evaluation values of different level dimensions according to the index evaluation values of each transaction index of each member institution through a preset weight file comprises the following steps:

according to the business weight of the single member institution, weighting calculation is carried out on the index evaluation value of each transaction index of the member institution, and the business evaluation value of the member institution is obtained;

and carrying out weighted calculation on the business evaluation value of the member institution according to the overall weight of the single member institution to obtain the overall evaluation value of the member institution.

4. A cross-institution transaction data monitoring method as claimed in claim 3, wherein the class dimension includes a single-class service, the monitoring evaluation value includes a single-class service evaluation value, and the weight file includes a single-class service weight;

5. The across-facility transaction data monitoring method of claim 4, wherein the hierarchy dimension includes a single clearinghouse, the monitoring evaluation value includes a clearinghouse evaluation value, and the weight file includes a clearinghouse business weight;

6. The across-facility transaction data monitoring method of claim 5, wherein the rank dimension comprises a current industry, the monitoring evaluation value comprises an industry evaluation value, and the weight file comprises an industry facility weight;

7. The method of cross-institution transaction data monitoring as set forth in claim 1, further including:

if the system is abnormal, generating an early warning work order.

8. The method for monitoring transaction data across institutions according to claim 7, wherein the step of determining whether there is a system abnormality according to the monitoring evaluation values of the different level dimensions and the reception time interval of the current transaction data comprises:

judging whether an evaluation value abnormality exists according to the monitoring evaluation value by a preset evaluation threshold standard, and judging whether a data set abnormality exists according to a receiving time interval of the current transaction data by a preset interval threshold standard;

9. The method for cross-institution transaction data monitoring as claimed in claim 7, further comprising, before the generating of the pre-warning worksheet:

judging whether system change occurs or not;

and if the abnormal duration of the system is longer than or equal to a preset duration threshold, continuing to execute the step of generating the early warning work order.

10. The method for cross-institution transaction data monitoring as claimed in claim 7, further comprising, before the generating of the pre-warning worksheet:

if the information exists, merging and adding early warning on the original early warning worksheets corresponding to the same member mechanism;

if not, continuing to execute the step of the early warning work order.

11. A cross-institution transaction data monitoring device, the device comprising:

the receiving unit is used for receiving current transaction data of each member institution transmitted by the clearing institution, wherein the current transaction data comprises a plurality of transaction indexes;

The index evaluation value generation unit is used for obtaining the index evaluation value of each transaction index of each member institution according to the acquired historical transaction data and the current transaction data;

and the monitoring evaluation value generating unit is used for obtaining monitoring evaluation values of different grade dimensions according to the index evaluation values of each transaction index of each member institution through a preset weight file.

12. A computer readable medium having stored thereon a computer program, which when executed by a processor implements a cross-institution transaction data monitoring method as claimed in any of claims 1 to 10.

13. A computer device comprising a memory for storing information including program instructions and a processor for controlling execution of the program instructions, wherein the program instructions when loaded and executed by the processor implement the cross-institution transaction data monitoring method of any of claims 1 to 10.

14. A computer program product comprising computer programs/instructions which when executed by a processor implement the cross-institution transaction data monitoring method of any of claims 1 to 10.