CN117132285A - A risk control method, device, medium and computing equipment for transfer transactions - Google Patents

Abstract

Multiple embodiments disclosed in this specification provide a risk control method, device, medium and computing device for transfer transactions. On the one hand, it records the original transaction information of the transfer transaction; on the other hand, it monitors at least the transaction information query interface of the intermediate fund platform between the payment fund platform and the collection fund platform, and monitors the transaction information query interface of the collection fund platform to obtain transfers in a timely manner The non-original transaction information recorded on the funding platform reached by the latest progress of the transaction. Once the risk control instruction is received, the recently obtained non-original transaction information can be compared with the original transaction information. If any inconsistency is found, it will indicate the transfer transaction. The transaction information under the latest progress has errors, which means the risk of capital loss. Therefore, risk control measures for transfer transactions need to be triggered in a timely manner.

Description

A risk control method, device, medium and computing equipment for transfer transactions

Technical field

Multiple embodiments of this specification relate to the technical field of financial risk control, and in particular, to a risk control method, device, medium and computing device for a transfer transaction.

Background technique

A transfer transaction refers to a transaction that transfers money from a paying account to a receiving account. In the cross-border transfer scenario, the payment account of the transfer transaction is inconsistent with the funding platform where the receiving account is located, and the funding platform where the payment account is located (payment funding platform) is different from the funding platform where the receiving account is located (receiving funding platform). There will be at least one intermediary fund platform responsible for the transfer of funds. After the payment fund platform initiates the transfer transaction, the transfer transaction will pass through each intermediary fund platform in sequence, and finally reach the receiving fund platform to complete the transfer.

Based on this, how to effectively control the risks that may arise during the advancement of transfer transactions is an urgent technical issue in this field that needs to be solved.

Contents of the invention

According to a first aspect of multiple embodiments of this specification, a risk control method for transfer transactions is proposed, including:

In response to the payment fund platform initiating a transfer transaction, record the original transaction information of the transfer transaction;

By monitoring the transaction information query interface of at least one intermediary fund platform between the payment fund platform and the collection fund platform, obtain the non-original transaction information recorded after the at least one intermediary fund platform receives the transfer transaction; and , by monitoring the transaction information query interface of the collection fund platform, obtaining the non-original transaction information recorded by the collection fund platform after receiving the transfer transaction;

In response to the risk control instruction, the recently obtained target non-original transaction information is determined, and the target non-original transaction information is compared with the original transaction information. If they are inconsistent, risk control measures for the transfer transaction are triggered.

According to a second aspect of multiple embodiments of this specification, a risk control device for transfer transactions is proposed, including:

The management module, in response to the payment fund platform initiating a transfer transaction, records the original transaction information of the transfer transaction; sends a risk control instruction to the tracking module; compares the received target non-original transaction information with the original transaction information, If inconsistent, risk control measures for the transfer transaction will be triggered;

The monitoring module obtains the non-original transactions recorded by the at least one intermediate fund platform after receiving the transfer transaction by monitoring the transaction information query interface of at least one intermediate fund platform between the payment fund platform and the collection fund platform. information; and, by monitoring the transaction information query interface of the collection fund platform, obtain the non-original transaction information recorded by the collection fund platform after receiving the transfer transaction;

The integration module determines the most recently obtained target non-original transaction information based on all non-original transaction information obtained by the monitoring module;

The tracking module, in response to the risk control instruction, obtains the target non-original transaction information from the integration module, and sends the target non-original transaction information to the management module.

According to a third aspect of multiple embodiments of this specification, a computing device is proposed, including a memory and a processor; the memory is used to store computer instructions that can be run on the processor, and the processor is used to execute the Computer instructions are used to implement the method described in the first aspect.

According to a fourth aspect of multiple embodiments of this specification, a computer-readable storage medium is proposed. A computer program is stored on the medium. When the program is executed by a processor, the method described in the first aspect is implemented.

In the technical solution provided by the present disclosure, on the one hand, the original transaction information of the transfer transaction is recorded, on the other hand, at least the transaction information query interface of the intermediate fund platform between the payment fund platform and the collection fund platform is monitored, and the collection fund platform is monitored. The transaction information query interface can promptly obtain the non-original transaction information recorded by the fund platform (an intermediate fund platform, or the collection fund platform) where the latest progress of the transfer transaction has been reached. Once the risk control instruction is received, the latest transaction information can be Compare the obtained non-original transaction information with the original transaction information. If inconsistencies are found, it means that the transaction information under the latest progress of the transfer transaction is incorrect, which means the risk of capital loss. Therefore, risk control for transfer transactions needs to be triggered in a timely manner. measure.

Through the above technical solutions, the risk of capital loss can be discovered in time during the advancement of transfer transactions, and capital losses can be avoided through risk control measures in a timely manner.

Description of drawings

Figure 1 is a schematic diagram of transfer transactions flowing between the payment fund platform, at least one intermediate fund platform, and the collection fund platform.

Figure 2 exemplifies a flow chart of a risk control method for transfer transactions.

Figure 3 exemplarily provides a schematic flow chart of a risk control device for a transfer transaction.

Figure 4 is a schematic structural diagram of a computing device provided by the present disclosure.

In the drawings, the same or corresponding reference numerals represent the same or corresponding parts. Any quantities of elements in the drawings are illustrative and not limiting, and any naming is for differentiation only and does not have any limiting meaning.

Detailed ways

In order to enable those skilled in the art to better understand the technical solutions in this specification, the technical solutions in the embodiments of this specification will be clearly and completely described below in conjunction with the accompanying drawings in the embodiments of this specification. Obviously, the described The embodiments are only some of the embodiments of this specification, but not all of the embodiments. Based on the embodiments in this specification, all other embodiments obtained by those of ordinary skill in the art without creative efforts should fall within the scope of protection of this specification.

It should be noted that in other embodiments, the steps of the corresponding method are not necessarily performed in the order shown and described in this specification. In some other embodiments, methods may include more or fewer steps than described in this specification. In addition, a single step described in this specification may be broken down into multiple steps for description in other embodiments; and multiple steps described in this specification may also be combined into a single step in other embodiments. describe.

The user information (including but not limited to user equipment information, user identity information, user transaction information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) involved in this application are all Information and data authorized by the user or fully authorized by all parties, and the collection, use and processing of relevant data need to comply with relevant laws, regulations and standards of relevant countries and regions, and provide corresponding operation portals for users to choose to authorize or refuse .

Cross-border transfer scenarios refer to transfers from accounts on domestic funding platforms to accounts on overseas funding platforms, or transfers from accounts on overseas funding platforms to accounts on domestic funding platforms.

In the cross-border transfer scenario, the payment fund platform where the payment account is located and the collection fund platform where the receiving account is located are usually not directly connected. Instead, they need to go through at least one intermediate fund platform in sequence, so that the transfer transaction starts from the payment fund platform. Pass through each intermediate fund platform in turn, and finally reach the receiving fund platform to complete the transfer. Figure 1 is a schematic diagram of transfer transactions flowing between the payment fund platform, at least one intermediate fund platform, and the collection fund platform.

The capital platform mentioned in this disclosure can refer to any platform that can open and manage capital accounts, which can be a bank, an electronic payment platform, etc. As a specific example, the payment fund platform in this disclosure may be an electronic payment platform, the intermediary fund platform may be a bank, and the collection fund platform may also be a bank.

However, in the process of transfer transactions, any funding platform (from the payment fund platform, the intermediate fund platform to the collection fund platform) may have operational errors, resulting in transfer transactions that may bring the risk of financial losses to users. For example, when processing a transfer transaction, the capital platform writes the wrong transaction amount, wrongly writes the receiving account information, wrongly writes the information of the next funding platform to be forwarded to the transfer transaction, incorrectly calculates the handling fee, etc.

In order to control the above-mentioned risks, one feasible way is to conduct prior risk control on transfer transactions. Specifically, before the payment fund platform forwards the transfer transaction to the first intermediate fund platform, the payment fund platform first allows the transfer transaction to flow between multiple internal nodes, and determines what each internal node records after receiving the transfer transaction. The non-original transaction information is consistent with the original transaction information of the transfer transaction, so as to prevent possible risks.

However, the above-mentioned ex-ante risk control method cannot guarantee that no risks will arise when the transfer transaction actually flows through the intermediary fund platform and the collection fund platform other than the payment fund platform, so the risk control effect is not good.

Another possible way is to conduct post-event risk control on transfer transactions. Specifically, after completing the transfer transaction, the receiving fund platform will feedback the non-original transaction information recorded by the receiving fund platform to the payment fund platform. The payment fund platform will compare the non-original transaction information with the original transaction information. If it is inconsistent, , it is confirmed that a capital loss has occurred, and you can request the collection fund platform to recover the lost funds.

However, the above-mentioned ex-post risk control method is carried out after the transfer transaction has actually been completed. On the one hand, the risk cannot be discovered in time, and on the other hand, it cannot ensure the recovery of lost funds.

Based on the above, in one or more embodiments provided by the present disclosure, a technical solution for incident wind control is provided. On the one hand, it records the original transaction information of the transfer transaction; on the other hand, it monitors at least the transaction information query interface of the intermediate fund platform between the payment fund platform and the collection fund platform, and monitors the transaction information query interface of the collection fund platform to obtain transfers in a timely manner The non-original transaction information recorded by the fund platform (an intermediate fund platform, or the collection fund platform) reached by the latest progress of the transaction. Once the risk control instruction is received, the recently obtained non-original transaction information and the original transaction can be combined. The information is compared. If inconsistencies are found, it means that the transaction information under the latest progress of the transfer transaction is incorrect, which means the risk of capital loss. Therefore, risk control measures for transfer transactions need to be triggered in a timely manner.

Through the technical solutions of the embodiments of the present disclosure, the risks of transfer transactions can be discovered in a more timely manner, the timeliness of risk control can be improved, and capital losses can be avoided with greater certainty.

The technical solution provided by the present disclosure will be described in detail below with reference to the accompanying drawings.

Figure 2 exemplifies a flow chart of a risk control method for transfer transactions, including the following steps:

S200: In response to the payment fund platform initiating a transfer transaction, record the original transaction information of the transfer transaction.

S202: Obtain the non-original transaction information recorded by the at least one intermediate fund platform after receiving the transfer transaction by monitoring the transaction information query interface of at least one intermediate fund platform between the payment fund platform and the collection fund platform. .

S204: Obtain the non-original transaction information recorded by the collection fund platform after receiving the transfer transaction by monitoring the transaction information query interface of the collection fund platform.

S206: In response to the risk control instruction, determine the recently obtained target non-original transaction information, and compare the target non-original transaction information with the original transaction information. If they are inconsistent, execute S208. If they are consistent, execute S210. .

S208: Trigger risk control measures for the transfer transaction.

S210: Do not trigger risk control measures for transfer transactions.

The method flow shown in Figure 2 can be applied on the payment fund platform, or can be applied on a computing device independent of the payment fund platform. At the software level, a virtual device for risk control of transfer transactions can be deployed on a payment fund platform or other computing device. See Figure 3. The virtual device can include a management module, a monitoring module, an integration module, and a tracking module.

Wherein, the management module is used to respond to the payment fund platform initiating a transfer transaction, record the original transaction information of the transfer transaction; send a risk control instruction to the tracking module; and compare the received target non-original transaction information with the original transaction information. Compare, if inconsistent, risk control measures for the transfer transaction will be triggered.

The monitoring module is configured to obtain the non-original data recorded by the at least one intermediate fund platform after receiving the transfer transaction by monitoring the transaction information query interface of at least one intermediate fund platform between the payment fund platform and the collection fund platform. Transaction information; and, by monitoring the transaction information query interface of the collection fund platform, obtain the non-original transaction information recorded after the collection fund platform receives the transfer transaction.

The integration module is configured to determine the most recently obtained target non-original transaction information based on all non-original transaction information obtained by the monitoring module.

The tracking module is configured to respond to the risk control instruction, obtain the target non-original transaction information from the integration module, and send the target non-original transaction information to the management module.

As can be seen from Figure 3, the monitoring module can maintain monitoring of the transaction information query interface exposed to the network for the collection fund platform and at least one intermediate fund platform, so as to obtain the information on the collection fund platform and at least one intermediate fund platform. Non-original transaction information recorded after receiving a transfer transaction.

It is easy to understand that transfer transactions will flow through each intermediate fund platform and receiving fund platform in sequence. Therefore, these fund platforms receive transfer transactions in chronological order, which means that these fund platforms record non-original transactions of transfer transactions. There is a difference in the timing of information. Therefore, when a risk control instruction is received, the determined non-original transaction information obtained by monitoring is the non-original transaction information recorded by the funding platform where the transfer transaction is currently progressing. If it is determined that the non-original transaction information is inconsistent with the original transaction information, it means that the risk of the transfer transaction has been discovered in time, and risk control measures can be taken in time to avoid the risk from developing into actual asset losses.

In addition, in some embodiments, the receiving fund platform and the intermediary fund platform may update the recorded non-original transaction information during the process of processing the transfer transaction. For example, when an intermediary fund platform receives a transfer transaction, it will record the payment account information, collection account information, and transfer amount of the transfer transaction as non-original transaction information. When processing the transfer transaction, the intermediary fund platform will itself The amount of the handling fee charged will then be recorded in the non-original transaction information to update the recorded non-original transaction information. In this case, since the monitoring module can keep monitoring the transaction information query interface of the collection fund platform and at least one intermediate fund platform exposed to the network, it can continue to obtain the latest versions recorded by these fund platforms. Non-original transaction information.

It needs to be emphasized that the monitoring module needs to maintain monitoring of the transaction information query interface of the collection fund platform from the time the transfer transaction is initiated. The reason is that, on the one hand, the receiving fund platform is the fund platform that actually completes the transfer transaction. If the receiving fund platform completes the transfer transaction, it may be difficult to pursue the lost funds even if there is a risk of fund loss. On the other hand, there will be various surprises in the process of promoting the transfer transaction (for example, some intermediate fund platforms may be skipped and forwarded directly to the receiving fund platform for processing), so it is difficult to predict how long the receiving fund platform will receive the transfer transaction. Time, combined with the above two reasons, it is necessary to maintain monitoring of the transaction information query interface of the receiving funds platform from the time the transfer transaction is initiated, until the risk is discovered and the transfer transaction is suspended, or until the receiving funds platform completes the transfer transaction .

The transaction information of the transfer transaction can include many information items. In some embodiments, the information items of the transfer transaction that are associated with the risk of capital loss (once recording errors can easily lead to capital losses) can be used as the original transactions that need to be recorded. information and non-original transaction information.

Information items of transaction information may include: payment account information, collection account information, payment fund platform information, collection fund platform information, payment currency information, collection currency information, payment amount, collection amount, each intermediate fund One or more of the handling fee amounts charged by the platform. These information items are all information items related to the risk of capital loss.

The original transaction information in this disclosure refers to the original version of the transaction information of the transfer transaction, which can be understood as the correct information specified when the payment account initiates the transfer transaction. If the transfer transaction is completed according to the original transaction information, there will be no loss of funds.

The non-original transaction information in this disclosure refers to the non-original version of the transaction information recorded after each intermediate fund platform and receiving fund platform receives the transfer transaction after the payment fund platform sends the transfer transaction. It is easy to understand that the staff of the intermediary fund platform, the collection fund platform or the trading system may operate incorrectly, causing the recorded non-original transaction information to be inconsistent with the original transaction information.

It should be noted that not every intermediary funding platform may expose the transaction information query interface to the network. Therefore, for the intermediary funding platform that does not expose the transaction information query interface, it is not easy to obtain the non-original transaction information recorded by the intermediary funding platform.

It should also be noted that although some funding platforms have exposed transaction information query interfaces to the Internet, the level of implementation of the transaction information query interfaces by this funding platform is not high. In other words, the information query interface exposed by this funding platform supports non-query queries. The information items of the original transaction information are incomplete. For example, the information items of the original transaction information include payment account information, collection account information, payment fund platform information, collection fund platform information, payment currency information, collection currency information, payment amount, collection amount, each intermediate The amount of handling fees charged by the funding platform. The non-original information supported by the information query interface exposed by an intermediate funding platform only includes payment account information, collection account information, payment funding platform information, and collection funding platform information. . In this case, regardless of whether the information items of the non-original transaction information obtained through the information query interface of the capital platform are comprehensive, as long as the information items of the non-original transaction information obtained are consistent with the information items of the original transaction information, it can be determined that the information items are not original. Trigger risk control measures.

In some embodiments, the funding platform can access the Global Remittance Settlement Network (Society for Worldwide Interbank Financial Telecommunication, SWFT), and the Global Payments Innovation (GPI) interface exposed to SWIFT as a transaction information query interface.

The risk control measures mentioned in this disclosure can be set according to actual needs. As an example, the risk control measure may be to send a notification message to the intermediary fund platform or the collection fund platform from which the target non-original transaction information comes, where the notification message is used to instruct to stop processing the transfer transaction. Risk control measures can also be alarm operations.

In some embodiments, if there are N intermediate fund platforms in linear order between the payment fund platform and the collection fund platform, N>1, then the transaction information query interface for all the intermediate fund platforms may not be started at the same time. To monitor, instead set i=1 and loop through the following steps until i=N:

By monitoring the transaction information query interface of the i-th intermediary capital platform, obtain the non-original transaction information recorded after the i-th intermediary capital platform receives the transfer transaction; if by monitoring the transaction information query interface of the i-th intermediary capital platform , after obtaining feedback on the completion of the transfer transaction, stop monitoring the transaction information query interface of the i-th intermediary fund platform, and then reset i=i+1.

In this way, the computing resources consumed by the monitoring information query interface can be minimized, and the risk of unmonitored transfer transactions can also be avoided.

In some embodiments, the monitoring module may not necessarily clarify in advance which intermediary fund platforms are included in the chain of intermediate fund platforms between the payment fund platform and the collection fund platform, and what is the order between these intermediate fund platforms. Some intermediary funding platforms may immediately determine the next intermediary funding platform. Therefore, in order to facilitate the monitoring module to promptly monitor the transaction information query interface of the intermediary capital platform through which the transfer transaction flows, by monitoring the transaction information query interface of the i-th intermediary capital platform, the next pending feedback from the i-th intermediary capital platform is obtained. Process the information of the intermediary fund platform for the transfer transaction, so that the monitoring platform can promptly identify the next intermediary fund platform corresponding to the currently monitored transaction information query interface, and the transaction information query interface for the next intermediary fund Continue monitoring.

In addition, if by monitoring the transaction information query interface of the collection fund platform, feedback is obtained that the transfer transaction is completed (the money has been transferred to the collection account), then monitoring of the transaction information of the collection fund platform can be stopped. Query interface and transaction information query interface of each intermediary fund platform to save computing resources invested in monitoring.

In addition, risk control instructions can be sent periodically to periodically trigger the tracking module to obtain the latest target non-original transaction information from the integration module, and send the target non-original transaction information to the management module. The management module will receive the target non-original transaction information. Compare it with the recorded original transaction information. If it is inconsistent, risk control measures for the transfer transaction will be triggered.

The length of the above-mentioned cycle can be set relatively small (such as 1 minute). In this way, risk identification of the transfer transaction process can be carried out in near real-time, and the risk control timeliness is better.

The present disclosure also provides a program product that executes the method of the embodiment of the present disclosure when running.

The present disclosure also provides a computer-readable storage medium, which stores a computer program. When the program is executed by a processor, the method of the embodiment of the present disclosure is implemented.

The present disclosure also provides a computing device, including a memory and a processor; the memory is used to store computer instructions that can be run on the processor, and the processor is used to implement the method of the embodiment of the present disclosure when executing the computer instructions. .

Figure 4 is a schematic structural diagram of a computing device provided by the present disclosure. The computing device 15 may include but is not limited to: a processor 151, a memory 152, and a bus 153 connecting different system components (including the memory 152 and the processor 151).

The memory 152 stores computer instructions, which can be executed by the processor 151, so that the processor 151 can perform the method of any embodiment of the present disclosure. The memory 152 may include a random access memory unit RAM1521, a cache memory unit 1522, and/or a read-only memory unit ROM1523. The memory 152 may also include: program tools 1525 having a set of program modules 1524 including, but not limited to: an operating system, one or more application programs, other program modules and program data, which program modules are one or Various combinations can encompass the implementation of the network environment.

The bus 153 may include, for example, a data bus, an address bus, a control bus, and the like. The computing device 15 can also communicate with an external device 155 through the I/O interface 154. The external device 155 can be, for example, a keyboard, a Bluetooth device, etc. The computing device 150 may also communicate with one or more networks through a network adapter 156, which may be, for example, a local area network, a wide area network, a public network, or the like. As shown, the network adapter 156 may also communicate with other modules of the computing device 15 via bus 153 .

Furthermore, although the operations of the disclosed methods are depicted in a particular order in the drawings, this does not require or imply that the operations must be performed in that particular order, or that all illustrated operations must be performed to achieve desired results. Additionally or alternatively, certain steps may be omitted, multiple steps may be combined into one step for execution, and/or one step may be broken down into multiple steps for execution.

Although the spirit and principles of the present disclosure have been described with reference to a number of specific embodiments, it should be understood that the disclosure is not limited to the specific embodiments disclosed, nor does the delineation of aspects mean that features in these aspects cannot be combined. Benefit, this division is only for convenience of expression. The present disclosure is intended to cover various modifications and equivalent arrangements included within the spirit and scope of the appended claims.

The methods explained in the above embodiments can be implemented by computer chips or entities, or by products with certain functions. A typical implementation device is a computer. Specifically, the computer may be, for example, a personal computer, a laptop computer, a cellular phone, a camera phone, a smartphone, 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.

For the convenience of description, when describing the above device, the functions are divided into various modules and described separately. Of course, when implementing this specification, the functions of each module can be implemented in the same or multiple software and/or hardware.

Those skilled in the art will understand that embodiments of the present invention may be provided as methods, devices, or computer program products. Thus, the invention may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, the invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) having computer-usable program code embodied therein.

Computer-readable media includes both persistent and non-volatile, removable and non-removable media that can be implemented by any method or technology for storage of information. Information may be computer-readable instructions, data structures, modules of programs, or other data. Examples of computer storage media 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), and 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 disc (DVD) or other optical storage, Magnetic tape cartridges, magnetic disk storage, quantum memory, graphene-based storage media or other magnetic storage devices, or any other non-transmission medium, can be used to store information that can be accessed by computing devices. As defined in this article, computer-readable media does not include transitory media, such as modulated data signals and carrier waves.

It should also be noted that the terms "comprises," "comprises," or any other variation thereof are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that includes a list of elements not only includes those elements, but also includes Other elements are not expressly listed or are inherent to the process, method, article or equipment. Without further limitation, an element defined by the statement "comprises a..." does not exclude the presence of additional identical elements in a process, method, article, or device that includes the stated element.

The terms used in the various embodiments of this specification are only for the purpose of describing specific embodiments and are not intended to limit the various embodiments of this specification. As used in the various embodiments of this specification and the appended claims, the singular forms "a," "the," and "the" are intended to include the plural forms as well, unless the context clearly dictates otherwise. It will also be understood that the term "and/or" as used herein refers to and includes any and all possible combinations of one or more of the associated listed items.

It should be understood that although various embodiments of this specification may use the terms first, second, third, etc. to describe various information, the information should not be limited to these terms. These terms are only used to distinguish information of the same type from each other. For example, without departing from the scope of various embodiments of this specification, the first information may also be called second information, and similarly, the second information may also be called first information. Depending on the context, the word "if" as used herein may be interpreted as "when" or "when" or "in response to determining."

Each embodiment in this specification is described in a progressive manner. The same and similar parts between the various embodiments can be referred to each other. Each embodiment focuses on its differences from other embodiments. In particular, the method embodiments are described simply because they are basically similar to the method embodiments. For relevant details, please refer to the partial description of the method embodiments. The method embodiments described above are only illustrative. The modules described as separate components may or may not be physically separated. When implementing the embodiments of this specification, the functions of each module may be integrated into the same module. or implemented in multiple software and/or hardware. Some or all of the modules can also be selected according to actual needs to achieve the purpose of the solution of this embodiment. Persons of ordinary skill in the art can understand and implement the method without any creative effort.

The above descriptions are only preferred embodiments of the various embodiments of this specification, and are not intended to limit the various embodiments of this specification. Any modifications, Equivalent substitutions, improvements, etc. shall be included in the scope of protection of the multiple embodiments of this specification.

Claims (11)

1. A risk control method for transfer transactions, including: In response to the payment fund platform initiating a transfer transaction, record the original transaction information of the transfer transaction; By monitoring the transaction information query interface of at least one intermediary fund platform between the payment fund platform and the collection fund platform, obtain the non-original transaction information recorded after the at least one intermediary fund platform receives the transfer transaction; and , by monitoring the transaction information query interface of the collection fund platform, obtaining the non-original transaction information recorded by the collection fund platform after receiving the transfer transaction; In response to the risk control instruction, the recently obtained target non-original transaction information is determined, and the target non-original transaction information is compared with the original transaction information. If they are inconsistent, risk control measures for the transfer transaction are triggered. 2. The method of claim 1, wherein the transaction information of the transfer transaction includes at least one of the following information items: Payment account information, collection account information, payment fund platform information, collection fund platform information, payment currency information, collection currency information, payment amount, collection amount, and the amount of handling fees charged by each intermediary fund platform. 3. The method of claim 1, wherein the transaction information query interface includes: a global payment innovation GPI interface exposed to the global remittance settlement network SWIFT. 4. The method according to claim 1, the risk control measures include: Send a notification message to the intermediary fund platform or the collection fund platform from which the target non-original transaction information comes, where the notification message is used to instruct to stop processing the transfer transaction; and / or Alarm operation. 5. The method of claim 1, wherein there are N intermediate fund platforms in linear order between the payment fund platform and the collection fund platform, N>1; The non-original transaction information recorded by the at least one intermediate fund platform after receiving the transfer transaction is obtained by monitoring the transaction information query interface of at least one intermediate fund platform between the payment fund platform and the collection fund platform. ,include: Set i=1 and loop through the following steps until i=N: By monitoring the transaction information query interface of the i-th intermediary funding platform, obtain the non-original transaction information recorded after the i-th intermediary funding platform receives the transfer transaction; If by monitoring the transaction information query interface of the i-th intermediary capital platform, feedback is obtained that the transfer transaction has been processed, then stop monitoring the transaction information query interface of the i-th intermediary capital platform, and then reset i=i+1. 6. The method according to claim 5, the steps of cyclic execution further include: By monitoring the transaction information query interface of the i-th intermediary capital platform, the information of the next intermediary capital platform to be processed for the transfer transaction is obtained as fed back by the i-th intermediary capital platform. 7. The method of claim 1, further comprising: If feedback on the completion of the transfer transaction is obtained by monitoring the transaction information query interface of the collection fund platform, then stop monitoring the transaction information query interface of the collection fund platform and the transaction information query of each intermediate fund platform. interface. 8. The method of claim 1, further comprising: Receive risk control instructions sent periodically. 9. A risk control device for transfer transactions, including: The management module, in response to the payment fund platform initiating a transfer transaction, records the original transaction information of the transfer transaction; sends a risk control instruction to the tracking module; compares the received target non-original transaction information with the original transaction information, and if it is inconsistent , then trigger risk control measures for the transfer transaction; The monitoring module obtains the non-original transactions recorded by the at least one intermediate fund platform after receiving the transfer transaction by monitoring the transaction information query interface of at least one intermediate fund platform between the payment fund platform and the collection fund platform. Information; and, by monitoring the transaction information query interface of the collection fund platform, obtain the non-original transaction information recorded by the collection fund platform after receiving the transfer transaction; The integration module determines the most recently obtained target non-original transaction information based on all non-original transaction information obtained by the monitoring module; The tracking module, in response to the risk control instruction, obtains the target non-original transaction information from the integration module, and sends the target non-original transaction information to the management module. 10. A computer-readable storage medium, which stores a computer program, and when the program is executed by a processor, the method of any one of claims 1-8 is implemented. 11. A computing device, including a memory and a processor; the memory is used to store computer instructions that can be run on the processor, and the processor is used to implement any one of claims 1-8 when executing the computer instructions. method described in the item.