CN116245623A - Banking industry resource loss prevention and control method and device - Google Patents
Banking industry resource loss prevention and control method and device Download PDFInfo
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Abstract
The invention provides a banking resource loss prevention and control method and a banking resource loss prevention and control device, wherein the method comprises the following steps: maintaining configuration information, wherein the configuration information comprises application, data source, resource loss prevention and control model, transaction link and transaction link information; acquiring a data source, and acquiring the data source according to an acquisition rule, wherein the data source comprises an account checking result and a binlog; processing the fetched data according to an order detection rule to generate an order to be detected; leading an order to be detected into a resource loss prevention and control model, and judging the resource loss of the order to be detected according to a resource loss detection rule to obtain a resource loss identification result, wherein the resource loss identification result comprises a resource loss detail, a suspected resource loss detail and a non-resource loss detail; and displaying the resource loss occurrence node by identifying the transaction link where the resource loss detail is located. The invention realizes the detection of the fund loss of the fund transaction, can improve the timeliness of finding the fund loss, can be processed in time by operators, and plays an important role in guaranteeing the bank fund safety.
Description
Technical Field
The invention relates to the technical field of computers, in particular to a banking resource loss prevention and control method and device.
Background
With the rapid development of banking business, transaction amount rises year by year, accounts in a row gradually show a trend of diversification and complicating, fund transaction flows are more and more complex, a plurality of systems are often required to be mutually called for realizing one business, interaction among the systems becomes longer and more, cross-team cooperation is realized, design concepts among different teams, system realization and the like often have differences, the integration among the whole transaction flows is difficult, the differences among the systems are caused, and particularly, the differences of automatic compensation functions of the systems during system abnormality or transaction abnormality are caused, and resource loss events are often easily caused. Funding security is an insurmountable bottom limit for banking and systems. Any loss event, the company incurs a loss of funds, and may also cause a customs event, resulting in a customer's trust crisis with the bank.
At present, only the e-commerce industry and the non-silver payment industry in the industry have achievements in the field of resource loss prevention and control, but no mature scientific and technological products are formed, and banking industry is less involved in the field of resource loss prevention and control. Usually, whether the resource loss occurs is identified and found through a checking method, but checking is carried out once a day, so that the timeliness is low, the loss is difficult to stop in emergency, and larger manpower and material resource additional money is required to be called later.
Disclosure of Invention
In view of the above problems, the invention provides a banking industry resource loss prevention and control method and device, which realize the resource loss detection of funds transaction, can improve the timeliness of finding the resource loss, can be processed in time by operators, and plays an important role in guaranteeing the bank fund safety.
In order to solve the technical problems, the invention adopts the following technical scheme: a banking resource loss prevention and control method is operated on a resource loss prevention and control platform and comprises the following steps: maintaining configuration information, wherein the configuration information comprises application, data source, resource loss prevention and control model, transaction link and transaction link information; acquiring a data source, and acquiring the data source according to an acquisition rule, wherein the data source comprises an account checking result and a binlog; processing the fetched data according to an order detection rule to generate an order to be detected; leading the to-be-detected order into a resource loss prevention and control model, and judging the resource loss of the to-be-detected order according to a resource loss detection rule to obtain a resource loss identification result, wherein the resource loss identification result comprises a resource loss detail, a suspected resource loss detail and a non-resource loss detail; and displaying the resource loss occurrence node by identifying the transaction link where the resource loss detail is located.
Preferably, the method further comprises: analyzing the detail of the resource loss and the detail of the suspected resource loss, and informing the person needing to be concerned by the alarm.
Preferably, the method further comprises: and displaying order basic information and transaction user basic information corresponding to the loss detail, and displaying a remittance operation and a remittance plan.
Preferably, the maintaining the configuration information includes: the application maintenance, the factor of the maintenance of said application includes application name, application number and trade success mark, the said application number uses the unified definition; the data source maintenance, wherein the elements of the data source maintenance comprise a data source name, a data source type, a billing result file name and a billing task number; the method comprises the steps of maintaining a resource loss prevention and control model, wherein elements for maintaining the resource loss prevention and control model comprise a resource loss prevention and control model name, a resource loss prevention and control model code, a resource loss prevention and control model field and a calculation rule; transaction link maintenance, wherein elements of the transaction link maintenance comprise a transaction link name, a transaction link number, an upstream application and a downstream application; transaction link maintenance, the elements of which include transaction link name, transaction link identification code, and transaction link details.
Preferably, the rules maintained by the transaction link include: when links are newly added, the positions of the links are marked, and the sequence of the positions is based on the calling sequence in the transaction stream; the positions can be the same, and the branch flow is represented, but the positions with the same number occupied in the same transaction can only appear once; when a new link is added, the same prompting position is input, the user is prompted to select whether to continue adding or to add the position after X by +1, if the subsequent position is added with 1, the subsequent position is added with 1 after the addition is successful; when a new link is added, if the downstream application number of the corresponding previous link is the same as the upstream application number of the current added link in the existing transaction link, the application numbers are combined and displayed, the current link is the same as the logic of the later link, and if the corresponding relation between the previous link and the later link does not exist, the link exists in isolation.
Preferably, the cost detection rule includes: judging the order type according to the borrowing identification of the order to be detected, judging the upstream and downstream transaction states and the sum difference value of each order according to the reconciliation result identification of the order, and outputting the investment judgment result according to the judgment result.
Preferably, the borrowing and lending identifier comprises a borrowing and lending identifier, the account checking result identifier comprises a plurality of upstream A00001, a plurality of downstream A00002, a0003 state is inconsistent, an A00004 amount is inconsistent, and the upstream and downstream transaction states comprise S success, F failure and unknown E.
The invention also provides a banking resource loss prevention and control device, which comprises: the information maintenance module is used for maintaining configuration information, wherein the configuration information comprises an application, a data source, a resource loss prevention and control model, a transaction link and transaction link information; the data source comprises an account checking result and binlog; the order generation module is used for processing the fetched data according to order detection rules to generate an order to be detected; the resource loss monitoring module is used for guiding the to-be-detected order into a resource loss prevention and control model, carrying out resource loss judgment on the to-be-detected order according to a resource loss detection rule, and obtaining a resource loss identification result, wherein the resource loss identification result comprises a resource loss detail, a suspected resource loss detail and a non-resource loss detail; and the display module is used for displaying the resource loss generation node by identifying the transaction link where the resource loss detail is located.
Compared with the prior art, the invention has the beneficial effects that: (1) The method has the advantages that through extraction and summarization of service scenes, the differences of service scenes, service elements and service flows are abandoned, service rules are carded, the amount, loan identification and transaction state are abstracted to be used as main detection elements, access services are not required to be known deeply, access can be realized only by filling main elements, and barriers among the services are opened; a set of perfect reconciliation file-based cost loss detection models are summarized, and cost loss identification is performed based on the models and cost loss rules. (2) After the cost loss is identified, the transaction link and the transaction link which occur in the cost loss can be accurately displayed, and the method is used for operation and rapid processing of technical staff. (3) The transaction systems can access the resource loss prevention and control platform through configuration, have zero invasion to the existing service system, have no invasion to the service system, have no perception to the service system, have reliable and universal data sources, have no additional cost, have low technical difficulty and good expandability, and are easy to realize.
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The disclosure of the present invention is described with reference to the accompanying drawings. It is to be understood that the drawings are designed solely for the purposes of illustration and not as a definition of the limits of the invention. In the drawings, like reference numerals are used to refer to like parts. Wherein:
FIG. 1 is a flow chart of a banking resource loss prevention and control method according to an embodiment of the present invention;
FIG. 2 is a schematic flow chart of another exemplary banking cost control method according to the present invention;
FIG. 3 is a schematic diagram of an architecture of a loss prevention and control platform according to an embodiment of the present invention;
FIG. 4 is a flow chart illustrating the cost detection rule according to an embodiment of the present invention;
FIG. 5 is a schematic diagram of a credit repayment transaction link structure according to an embodiment of the present invention;
fig. 6 is a schematic structural diagram of a banking resource loss prevention and control device according to an embodiment of the present invention.
Detailed Description
It is to be understood that, according to the technical solution of the present invention, those skilled in the art may propose various alternative structural modes and implementation modes without changing the true spirit of the present invention. Accordingly, the following detailed description and drawings are merely illustrative of the invention and are not intended to be exhaustive or to limit the invention to the precise form disclosed.
An embodiment according to the invention is shown in connection with fig. 1 and 2. A banking resource loss prevention and control method is operated on a resource loss prevention and control platform and comprises the following steps:
s101, maintaining configuration information, wherein the configuration information comprises application, data source, loss prevention and control model, transaction link and transaction link information.
Specifically, maintaining the configuration information includes:
(1) And (5) application maintenance, namely maintaining application information of the access resource loss prevention and control platform. Each fund transaction system is defined as an application and is used as the minimum unit for accessing the fund loss prevention and control platform. The architecture diagram of the resource loss prevention and control platform is shown in fig. 3.
The elements of the application maintenance include application name, application number, and transaction success flag. Judging and repeating when newly adding and editing is applied, and newly adding and editing to judge and repeating the check application name; and (5) checking: application name, application number, transaction success flag, application system number uses a unified definition, such as unified payment system, application number: and (5) UPS.
(2) The data source maintenance, wherein the elements of the data source maintenance comprise a data source name, a data source type, a billing result file name and a billing task number.
According to different data source types and different main field information, the primary menu in the reconciliation result file type is mainly displayed: data source name, data source type, reconciliation result file name, reconciliation task number.
(3) The maintenance of the resource loss prevention and control model supports new addition, editing, deleting and inquiring, and the elements of the maintenance of the resource loss prevention and control model comprise a resource loss prevention and control model name, a resource loss prevention and control model code, a resource loss prevention and control model field and a calculation rule.
Judging weight when newly adding and editing: newly added editing judgment and verification: coding the type of the loss prevention and control model; and (5) checking: the resource loss prevention and control model type name, the resource loss prevention and control model type code, { resource loss prevention and control model field, calculation rule }, the calculation rule supported at present is as follows: mapping straight-through.
(4) Transaction link maintenance, which defines an upstream and downstream system of a transaction as a link. The elements of the transaction link maintenance include transaction link name (naming rule upstream left, naming rule downstream right, and ">" symbol in the middle), transaction link number, upstream application, and downstream application. Support for new additions, edits, deletions, queries.
(5) The transaction link maintenance is used for displaying the transaction link where the resource transaction is located and displaying the resource order information and is used for roles such as operation, business, products and the like. The elements of the transaction link maintenance include transaction link name, transaction link identification code, and transaction link details.
Rules maintained by the transaction link include: when links are newly added, the positions of the links are marked, and the sequence of the positions is based on the calling sequence in the transaction stream; the positions can be the same, and the branch flow is represented, but the positions with the same number occupied in the same transaction can only appear once; when a new link is added, the same prompting position is input, the user is prompted to select whether to continue adding or to add the position after X by +1, if the subsequent position is added with 1, the subsequent position is added with 1 after the addition is successful; when a new link is added, if the downstream application number of the corresponding previous link is the same as the upstream application number of the current added link in the existing transaction link, the application numbers are combined and displayed, the current link is the same as the logic of the later link, and if the corresponding relation between the previous link and the later link does not exist, the link exists in isolation.
S102, acquiring a data source, and acquiring the data source according to an acquisition rule, wherein the data source comprises an account checking result and a binlog. The access rule is configured, key information such as transaction time, transaction amount, transaction state, transaction identification code and the like is obtained by extracting the service elements, the information is used as a data source field, and the corresponding access rule is configured according to different types of reconciliation result files and binlog logs. The fetch rule includes: the corresponding data source field is located, and the value taking mode supports direct acquisition and calculation acquisition, the calculation acquisition supports configuration calculation formulas, such as an amount field, if the configuration is configured into calculation acquisition, the calculation formulas are divided by 100, and the result obtained by dividing the corresponding value by 100 is used as the data source field.
S103, processing the fetched data according to order detection rules to generate an order to be detected. The order detection rules are an hour level reconciliation mode, a repeat transaction check, etc.
And S104, importing the order to be detected into a resource loss prevention and control model, and judging the resource loss of the order to be detected according to a resource loss detection rule to obtain a resource loss identification result. The asset identification results include asset details, suspected asset details and non-asset details.
And mapping the data source field to the model field of the corresponding asset control model according to the asset control model to be detected configured by the data source (the same data source can be provided with a plurality of asset control models to be detected). The mapping rule is configured, supports direct acquisition and calculation acquisition, and the calculation acquisition supports configuration calculation formulas, such as an amount field, and if the configuration is configured as calculation acquisition, the calculation formulas are divided by 100, and the result obtained by dividing the corresponding value by 100 is used as a data source field.
Referring to fig. 4, the resource loss detection rule includes: judging the order type according to the borrowing identification of the order to be detected, judging the upstream and downstream transaction states and the sum difference value of each order according to the reconciliation result identification of the order, and outputting the investment judgment result according to the judgment result.
The borrowing and lending identification comprises borrowing and lending, the reconciliation result identification comprises A00001 with more upstream and more downstream, A00002 with more downstream, A0003 status is inconsistent, A00004 amount is inconsistent, and the upstream and downstream transaction status comprises S success, F failure and E unknown.
One such loss identification process is as follows:
input: a0003 (status inconsistency), upstream transaction identification: bdt_withhold, downstream transaction identification: without, upstream response code: 000000, downstream response code: 123456, upstream amount 100, downstream amount 100}
And (3) outputting: loss of resources
S105, displaying the resource loss generation node by identifying the transaction link where the resource loss detail is located.
S106, analyzing the detail of the loss and the detail of the suspected loss, and informing the person needing to be concerned by the alarm.
S107, the order basic information and the transaction user basic information corresponding to the loss detail are displayed, and the additional money operation and the additional money plan are displayed. The basic information of the transaction user comprises telephone, name, address and the like, and the customer can be contacted quickly. The additional money plan maintenance includes additional money registration and additional money communication registration, and the additional money progress is visualized.
The calculation formula of the amount of the loss is as follows: recovered amount = sum { additional and account amount accumulated in additional event } -reject amount not yet accounted; unretracted amount = lost amount-traced amount.
For example: after the unified payment and payment interconnection system is connected with the resource loss prevention and control platform, the following contents are firstly configured:
1. application: and configuring unified payment and payment interconnection application information.
2. Data source: and configuring unified payment and payment interconnection data source information. For example:
data source configuration element: data source name, data source type, reconciliation result file name, data source task number, { related applications }, { resource loss prevention and control model type number }, number taking rule.
The example values are: payment & interconnection, reconciliation result file, payment & interconnection, ZFHL001, { unified payment, payment interconnection }, { ZSFK001}, { upstream amount, 1; downstream amount, 2; checking account results, 3; an upstream response code, 4; downstream response code, 5}.
Data source field maintenance element: data source field name, data source field code
3. Loss prevention and control model: and configuring information of a loss prevention and control model, wherein the lending identification and the transaction identification code are shown in the following table:
maintenance elements of the loss prevention and control model: resource model type name, resource model type number, { resource prevention and control model field }
Example values: loss prevention and control detection, ZSFK001, { upstream amount, downstream amount, accounting result, upstream response code, downstream response code, lending identifier }
Maintenance elements of the loss prevention and control model field: resource loss prevention and control field name, resource loss prevention and control field code, access rule name, rule content (e.g. direct acquisition)
Example values: an upstream amount, XXX001, taking the upstream amount rule, and taking the upstream amount of the data source field;
example values: downstream amount, XXX002, take the rule of downstream amount, take the downstream amount of data source field;
example values: checking account results, XXX003, taking the checking account results, and taking the checking account results of the data source field;
example values: an upstream transaction state, XXX004, an upstream response code, and an upstream response code of a data source field;
example values: a downstream transaction state, XXX005, taking the downstream response code, and taking the downstream response code of the data source field;
example values: and (5) obtaining the borrowing identification and XXX006, and obtaining the borrowing identification and calculating the borrowing identification.
4. Transaction link: configuration of unified payment > payment interconnect.
Elements: trade link name, trade link identification code, upstream application, downstream application
Example values: payment & interconnection, ZF & HL, unified payment, payment interconnection
5. Transaction link: a credit repayment transaction link is configured. The credit repayment transaction link is shown in fig. 5. And if the resource loss occurs, displaying the resource loss occurrence node.
Elements: trade link name, trade link number, trade link identification code, trade link;
example values: credit repayment transaction link, XDHK, BH001, ZF & HL.
Referring to fig. 4, the present invention further provides a banking resource loss prevention and control device, including:
the information maintenance module 101 is configured to maintain configuration information, where the configuration information includes an application, a data source, a resource loss prevention and control model, a transaction link and transaction link information.
The access module 102 is configured to obtain a data source, and access the data source according to an access rule, where the data source includes a reconciliation result and a binlog.
The order generation module 103 is configured to process the fetched data according to an order detection rule, and generate an order to be detected.
The resource loss monitoring module 104 is configured to guide the to-be-detected order into a resource loss prevention and control model, perform resource loss judgment on the to-be-detected order according to a resource loss detection rule, and obtain a resource loss identification result, where the resource loss identification result includes a resource loss detail, a suspected resource loss detail and a non-resource loss detail.
And the display module 105 is used for displaying the loss generation node by identifying the transaction link where the loss detail is located.
And the alarm module 106 analyzes the detail of the loss and the detail of the suspected loss, and alarms and notifies the person needing attention.
The additional money module 107 displays the order basic information and the transaction user basic information corresponding to the loss details, and displays the additional money operation and the additional money plan.
In summary, the beneficial effects of the invention include: (1) The method has the advantages that through extraction and summarization of service scenes, the differences of service scenes, service elements and service flows are abandoned, service rules are carded, the amount, loan identification and transaction state are abstracted to be used as main detection elements, access services are not required to be known deeply, access can be realized only by filling main elements, and barriers among the services are opened; a set of perfect reconciliation file-based cost loss detection models are summarized, and cost loss identification is performed based on the models and cost loss rules. (2) After the cost loss is identified, the transaction link and the transaction link which occur in the cost loss can be accurately displayed, and the method is used for operation and rapid processing of technical staff. (3) The transaction systems can access the resource loss prevention and control platform through configuration, have zero invasion to the existing service system, have no invasion to the service system, have no perception to the service system, have reliable and universal data sources, have no additional cost, have low technical difficulty and good expandability, and are easy to realize.
The invention provides a banking industry resource loss prevention and control method and device, which realize resource loss prevention and control detection among different systems in a transaction flow by multiplexing big data basic functions and configuring access, realize resource loss detection of fund transaction, improve the timeliness of finding resource loss, enable operators to process in time, and play an important role in guaranteeing bank fund safety. The capacity of accessing the resource loss prevention and control platform can be realized through configuration by optimizing a reconciliation mechanism, classifying, refining and summarizing the service scenes, and the complexity of resource loss prevention and control caused by different system designs and service scenes is eliminated.
It should be appreciated that the integrated units, if implemented in the form of software functional units and sold or used as stand-alone products, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present invention is essentially or a part contributing to the prior art, or all or part of the technical solution may be embodied in the form of a software product stored in a storage medium, comprising several instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to perform all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a random access Memory (RAM, random Access Memory), a magnetic disk, or an optical disk, or other various media capable of storing program codes.
The technical scope of the present invention is not limited to the above description, and those skilled in the art may make various changes and modifications to the above-described embodiments without departing from the technical spirit of the present invention, and these changes and modifications should be included in the scope of the present invention.
Claims (8)
1. The banking resource loss prevention and control method is operated on a resource loss prevention and control platform and is characterized by comprising the following steps of:
maintaining configuration information, wherein the configuration information comprises application, data source, resource loss prevention and control model, transaction link and transaction link information;
acquiring a data source, and acquiring the data source according to an acquisition rule, wherein the data source comprises an account checking result and a binlog;
processing the fetched data according to an order detection rule to generate an order to be detected;
leading the to-be-detected order into a resource loss prevention and control model, and judging the resource loss of the to-be-detected order according to a resource loss detection rule to obtain a resource loss identification result, wherein the resource loss identification result comprises a resource loss detail, a suspected resource loss detail and a non-resource loss detail;
and displaying the resource loss occurrence node by identifying the transaction link where the resource loss detail is located.
2. The banking resource damage prevention and control method according to claim 1, further comprising: analyzing the detail of the resource loss and the detail of the suspected resource loss, and informing the person needing to be concerned by the alarm.
3. The banking resource damage prevention and control method according to claim 1, further comprising: and displaying order basic information and transaction user basic information corresponding to the loss detail, and displaying a remittance operation and a remittance plan.
4. The banking resource damage prevention and control method of claim 1, wherein maintaining configuration information includes:
the application maintenance, the factor of the maintenance of said application includes application name, application number and trade success mark, the said application number uses the unified definition;
the data source maintenance, wherein the elements of the data source maintenance comprise a data source name, a data source type, a billing result file name and a billing task number;
the method comprises the steps of maintaining a resource loss prevention and control model, wherein elements for maintaining the resource loss prevention and control model comprise a resource loss prevention and control model name, a resource loss prevention and control model code, a resource loss prevention and control model field and a calculation rule;
transaction link maintenance, wherein elements of the transaction link maintenance comprise a transaction link name, a transaction link number, an upstream application and a downstream application;
transaction link maintenance, the elements of which include transaction link name, transaction link identification code, and transaction link details.
5. The banking resource damage prevention and control method of claim 4, wherein the transaction link maintenance rules include:
when links are newly added, the positions of the links are marked, and the sequence of the positions is based on the calling sequence in the transaction stream;
the positions can be the same, and the branch flow is represented, but the positions with the same number occupied in the same transaction can only appear once;
when a new link is added, the same prompting position is input, the user is prompted to select whether to continue adding or to add the position after X by +1, if the subsequent position is added with 1, the subsequent position is added with 1 after the addition is successful;
when a new link is added, if the downstream application number of the corresponding previous link is the same as the upstream application number of the current added link in the existing transaction link, the application numbers are combined and displayed, the current link is the same as the logic of the later link, and if the corresponding relation between the previous link and the later link does not exist, the link exists in isolation.
6. The banking resource damage prevention and control method of claim 1, wherein the resource damage detection rule includes: judging the order type according to the borrowing identification of the order to be detected, judging the upstream and downstream transaction states and the sum difference value of each order according to the reconciliation result identification of the order, and outputting the investment judgment result according to the judgment result.
7. The banking damage prevention and control method of claim 6 wherein said debit and credit identification includes debit and credit, said reconciliation result identification includes a00001 upstream count, a00002 downstream count, a0003 status inconsistency, a00004 amount inconsistency, said upstream and downstream transaction status including S success, F failure and E unknown.
8. The banking resource loss prevention and control device is characterized by comprising:
the information maintenance module is used for maintaining configuration information, wherein the configuration information comprises an application, a data source, a resource loss prevention and control model, a transaction link and transaction link information;
the data source comprises an account checking result and binlog;
the order generation module is used for processing the fetched data according to order detection rules to generate an order to be detected;
the resource loss monitoring module is used for guiding the to-be-detected order into a resource loss prevention and control model, carrying out resource loss judgment on the to-be-detected order according to a resource loss detection rule, and obtaining a resource loss identification result, wherein the resource loss identification result comprises a resource loss detail, a suspected resource loss detail and a non-resource loss detail;
and the display module is used for displaying the resource loss generation node by identifying the transaction link where the resource loss detail is located.
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN116719751A (en) * | 2023-08-11 | 2023-09-08 | 杭州深度智联数字科技有限责任公司 | Method and system for checking service loss in real time |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN116719751A (en) * | 2023-08-11 | 2023-09-08 | 杭州深度智联数字科技有限责任公司 | Method and system for checking service loss in real time |
| CN116719751B (en) * | 2023-08-11 | 2023-11-03 | 杭州深度智联数字科技有限责任公司 | Method and system for checking service loss in real time |
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