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

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

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CN117132285A
CN117132285A CN202311050112.3A CN202311050112A CN117132285A CN 117132285 A CN117132285 A CN 117132285A CN 202311050112 A CN202311050112 A CN 202311050112A CN 117132285 A CN117132285 A CN 117132285A
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韩喆
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Shanghai Ant Chuangjiang Information Technology Co ltd
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    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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Abstract

本说明书披露的多个实施例提供了一种转账交易的风控方法、装置、介质及计算设备。一方面记录转账交易的原始交易信息,另一方面监控付款资金平台与收款资金平台之间的至少中间资金平台的交易信息查询接口,以及监控收款资金平台的交易信息查询接口,及时获取转账交易最新进度所到达的资金平台所记录的非原始交易信息,一旦接收到风控指令,就可以将最近获取的非原始交易信息和原始交易信息进行比对,如果发现不一致,就说明转账交易的最新进度下的交易信息产生错误,这意味着资金损失风险,因此,需要及时触发针对转账交易的风控措施。

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

一种转账交易的风控方法、装置、介质及计算设备A risk control method, device, medium and computing equipment for transfer transactions

技术领域Technical field

本说明书多个实施例涉及金融风控技术领域,尤其涉及一种转账交易的风控方法、装置、介质及计算设备。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.

背景技术Background technique

转账交易,是指将款项由付款账户转移至收款账户的交易。在跨境转账场景下,转账交易的付款账户与收款账户所在的资金平台不一致,并且,付款账户所在的资金平台(付款资金平台)与收款账户所在的资金平台(收款资金平台)之间会存在负责款项中转的至少一个中间资金平台,付款资金平台发起转账交易后,转账交易会依次经过每个中间资金平台,最终到达收款资金平台以完成转账。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.

基于此,如何对转账交易的推进过程中可能出现的风险进行有效控制,是本领域亟待解决的技术问题。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.

发明内容Contents of the invention

根据本说明书的多个实施例的第一方面,提出了一种转账交易的风控方法,包括:According to a first aspect of multiple embodiments of this specification, a risk control method for transfer transactions is proposed, including:

响应于付款资金平台发起转账交易,记录所述转账交易的原始交易信息;In response to the payment fund platform initiating a transfer transaction, record the original transaction information of the transfer transaction;

通过监控所述付款资金平台与收款资金平台之间的至少一个中间资金平台的交易信息查询接口,获取所述至少一个中间资金平台接收到所述转账交易后所记录的非原始交易信息;以及,通过监控所述收款资金平台的交易信息查询接口,获取所述收款资金平台接收到所述转账交易后所记录的非原始交易信息;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;

响应于风控指令,确定最近获取到的目标非原始交易信息,将所述目标非原始交易信息与所述原始交易信息进行比对,若不一致,则触发针对所述转账交易的风控措施。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.

根据本说明书的多个实施例的第二方面,提出了一种转账交易的风控装置,包括:According to a second aspect of multiple embodiments of this specification, a risk control device for transfer transactions is proposed, including:

管理模块,响应于付款资金平台发起转账交易,记录所述转账交易的原始交易信息;向追踪模块发送风控指令;将接收到所述目标非原始交易信息与所述原始交易信息进行比对,若不一致,则触发针对所述转账交易的风控措施;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;

监控模块,通过监控所述付款资金平台与收款资金平台之间的至少一个中间资金平台的交易信息查询接口,获取所述至少一个中间资金平台接收到所述转账交易后所记录的非原始交易信息;以及,通过监控所述收款资金平台的交易信息查询接口,获取所述收款资金平台接收到所述转账交易后所记录的非原始交易信息;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;

整合模块,基于所述监控模块获取的全部非原始交易信息,确定最近获取到的目标非原始交易信息;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;

追踪模块,响应于风控指令,从所述整合模块获取所述目标非原始交易信息,并将所述目标非原始交易信息发送给所述管理模块。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.

根据本说明书多个实施例的第三方面,提出了一种计算设备,包括存储器、处理器;所述存储器用于存储可在处理器上运行的计算机指令,所述处理器用于在执行所述计算机指令时实现第一方面述方法。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.

根据本说明书多个实施例的第四方面,提出了一种计算机可读存储介质,该介质上存储有计算机程序,所述程序被处理器执行时实现第一方面所述方法。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.

在本公开提供的技术方案中,一方面记录转账交易的原始交易信息,另一方面监控付款资金平台与收款资金平台之间的至少中间资金平台的交易信息查询接口,以及监控收款资金平台的交易信息查询接口,及时获取转账交易最新进度所到达的资金平台(某个中间资金平台,或者,收款资金平台)所记录的非原始交易信息,一旦接收到风控指令,就可以将最近获取的非原始交易信息和原始交易信息进行比对,如果发现不一致,就说明转账交易的最新进度下的交易信息产生错误,这意味着资金损失风险,因此,需要及时触发针对转账交易的风控措施。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.

通过上述技术方案,可以在转账交易推进的过程中及时发现资金损失风险,及时通过风控措施避免资金损失。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.

附图说明Description of drawings

图1是转账交易在付款资金平台、至少一个中间资金平台、收款资金平台之间流转的示意图。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.

图2示例性提供一种转账交易的风控方法的流程示意图。Figure 2 exemplifies a flow chart of a risk control method for transfer transactions.

图3示例性提供一种转账交易的风控装置的流程示意图。Figure 3 exemplarily provides a schematic flow chart of a risk control device for a transfer transaction.

图4是本公开提供的一种计算设备的结构示意图。Figure 4 is a schematic structural diagram of a computing device provided by the present disclosure.

在附图中,相同或对应的标号表示相同或对应的部分。附图中的任何元素数量均用于示例而非限制,以及任何命名都仅用于区分,而不具有任何限制含义。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.

具体实施方式Detailed ways

为了使本技术领域的人员更好地理解本说明书中的技术方案,下面将结合本说明书实施例中的附图,对本说明书实施例中的技术方案进行清楚、完整地描述,显然,所描述的实施例仅仅是本说明书一部分实施例,而不是全部的实施例。基于本说明书中的实施例,本领域普通技术人员在没有作出创造性劳动前提下所获得的所有其他实施例,都应当属于本说明书保护的范围。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.

需要说明的是:在其他实施例中并不一定按照本说明书示出和描述的顺序来执行相应方法的步骤。在一些其他实施例中,其方法所包括的步骤可以比本说明书所描述的更多或更少。此外,本说明书中所描述的单个步骤,在其他实施例中可能被分解为多个步骤进行描述;而本说明书中所描述的多个步骤,在其他实施例中也可能被合并为单个步骤进行描述。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.

本申请所涉及的用户信息(包括但不限于用户设备信息、用户身份信息、用户交易信息等)和数据(包括但不限于用于分析的数据、存储的数据、展示的数据等),均为经用户授权或者经过各方充分授权的信息和数据,并且相关数据的收集、使用和处理需要遵守相关国家和地区的相关法律法规和标准,并提供有相应的操作入口,供用户选择授权或者拒绝。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 .

跨境转账场景,是指从境内的资金平台上的账户向境外的资金平台上的账户进行转账,或者,从境外的资金平台上的账户向境内的资金平台上的账户进行转账。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.

在跨境转账场景下,付款账户所在的付款资金平台与收款账户所在的收款资金平台通常不会直接对接,而是需要依次通过至少一个中间资金平台,让转账交易从付款资金平台开始,依次经过每个中间资金平台,最终达到收款资金平台以完成转账。图1是转账交易在付款资金平台、至少一个中间资金平台、收款资金平台之间流转的示意图。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.

本公开中所述的资金平台,可以指任何能够开设并管理资金账户的平台,可以是银行、电子支付平台等等。作为一种具体示例,本公开中的付款资金平台可以是电子支付平台,中间资金平台可以是银行,收款资金平台也可以是银行。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.

然而,在转账交易的推进过程中,任何一个资金平台(从付款资金平台、中间资金平台直到收款资金平台)都有可能出现操作错误,导致转账交易出现给用户带来资金损失的风险。例如,资金平台在处理转账交易时,将交易金额写错,将收款账户信息写错,将转账交易待转发的下一个资金平台的信息写错、错误计算手续费等等。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.

为了控制上述风险,一种可行的方式是对转账交易进行事前风控。具体而言,在付款资金平台将转账交易转发给第一个中间资金平台之前,付款资金平台内部先让转账交易在多个内部节点之间流转,判断每个内部节点接收到转账交易后所记录的非原始交易信息与转账交易的原始交易信息是否一致,从而对可能出现的风险进行防范。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.

然而,上述的事前风控方法并不能保证转账交易实际流经付款资金平台之外的中间资金平台、收款资金平台时不会出现风险,因此风控效果不佳。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.

另一种可行的方式是对转账交易进行事后风控。具体而言,收款资金平台在完成转账交易之后,向付款资金平台反馈收款资金平台所记录的非原始交易信息,付款资金平台将该非原始交易信息与原始交易信息进行比对,如果不一致,就确认发生了资损,可以要求收款资金平台追回损失的资金。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.

然而,上述的事后风控方法是在转账交易已经实际完成之后才进行的,一方面不能及时发现风险,另一方面不能确保追回损失的资金。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.

基于以上,在本公开提供的一个或多个实施例中,提供一种事中风控的技术方案。一方面记录转账交易的原始交易信息,另一方面监控付款资金平台与收款资金平台之间的至少中间资金平台的交易信息查询接口,以及监控收款资金平台的交易信息查询接口,及时获取转账交易最新进度所到达的资金平台(某个中间资金平台,或者,收款资金平台)所记录的非原始交易信息,一旦接收到风控指令,就可以将最近获取的非原始交易信息和原始交易信息进行比对,如果发现不一致,就说明转账交易的最新进度下的交易信息产生错误,这意味着资金损失风险,因此,需要及时触发针对转账交易的风控措施。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.

通过本公开实施例的技术方案,可以更加及时的发现转账交易的风险,提升风控时效,更有把握避免资金损失。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.

以下结合附图,详细说明本公开提供的技术方案。The technical solution provided by the present disclosure will be described in detail below with reference to the accompanying drawings.

图2示例性提供一种转账交易的风控方法的流程示意图,包括以下步骤:Figure 2 exemplifies a flow chart of a risk control method for transfer transactions, including the following steps:

S200:响应于付款资金平台发起转账交易,记录所述转账交易的原始交易信息。S200: In response to the payment fund platform initiating a transfer transaction, record the original transaction information of the transfer transaction.

S202:通过监控所述付款资金平台与收款资金平台之间的至少一个中间资金平台的交易信息查询接口,获取所述至少一个中间资金平台接收到所述转账交易后所记录的非原始交易信息。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:通过监控所述收款资金平台的交易信息查询接口,获取所述收款资金平台接收到所述转账交易后所记录的非原始交易信息。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:响应于风控指令,确定最近获取到的目标非原始交易信息,将所述目标非原始交易信息与所述原始交易信息进行比对,若不一致,则执行S208,若一致,则执行S210。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:触发针对所述转账交易的风控措施。S208: Trigger risk control measures for the transfer transaction.

S210:不触发针对转账交易的风控措施。S210: Do not trigger risk control measures for transfer transactions.

图2所示的方法流程可以应用在付款资金平台上,也可以是应用于在独立于付款资金平台的计算设备上。在软件层面,可以在付款资金平台或者其他计算设备上部署用于对转账交易进行风控的虚拟装置,参见图3,该虚拟装置可以包括管理模块、监控模块、整合模块、追踪模块。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.

其中,管理模块用于响应于付款资金平台发起转账交易,记录所述转账交易的原始交易信息;向追踪模块发送风控指令;将接收到所述目标非原始交易信息与所述原始交易信息进行比对,若不一致,则触发针对所述转账交易的风控措施。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.

监控模块用于通过监控所述付款资金平台与收款资金平台之间的至少一个中间资金平台的交易信息查询接口,获取所述至少一个中间资金平台接收到所述转账交易后所记录的非原始交易信息;以及,通过监控所述收款资金平台的交易信息查询接口,获取所述收款资金平台接收到所述转账交易后所记录的非原始交易信息。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.

整合模块用于基于所述监控模块获取的全部非原始交易信息,确定最近获取到的目标非原始交易信息。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.

追踪模块用于响应于风控指令,从所述整合模块获取所述目标非原始交易信息,并将所述目标非原始交易信息发送给所述管理模块。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.

从图3中可以看出,监控模块可以保持对收款资金平台、至少一个中间资金平台暴露给网络中的交易信息查询接口的监控,从而可以获取到收款资金平台、至少一个中间资金平台在接收到转账交易后所记录的非原始交易信息。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.

容易理解,转账交易会依次流经每个中间资金平台与收款资金平台,因此,这些资金平台是按照时间先后顺序接收到转账交易的,这意味着,这些资金平台记录转账交易的非原始交易信息的时间是有先后区别的。因此,当接收到风控指令时,所确定的最新监控获取到的非原始交易信息,即是转账交易当前推进进度所在的资金平台记录的非原始交易信息。如果判断出这个非原始交易信息与原始交易信息不一致,则意味着及时发现了转账交易的风险,就可以及时采取风控措施避免风险发展为实际的资产损失。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.

此外在一些实施例中,收款资金平台、中间资金平台在处理转账交易的过程中可能会对所记录的非原始交易信息进行更新。例如,某个中间资金平台在接收到转账交易时,会记录转账交易的付款账户信息、收款账户信息、转账金额为非原始交易信息,该中间资金平台在处理转账交易过程中,会自身应该收取的手续费金额,于是会再将手续费金额也记录到非原始交易信息中,以对记录的非原始交易信息进行更新。这种情况下,由于监控模块可以保持对收款资金平台、至少一个中间资金平台暴露给网络中的交易信息查询接口的监控,因此,也就可以持续获取到这些资金平台所记录的最新版本的非原始交易信息。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.

需要强调,监控模块需要从转账交易被发起开始,就保持对收款资金平台的交易信息查询接口的监控。原因在于,一方面,收款资金平台是实际完成转账交易的资金平台,而如果收款资金平台一旦完成了转账交易,即便发现有资金损失风险,也可能难以追求损失的资金。另一方面,转账交易推进过程中会存在各种意外(比如可能会跳过一些中间资金平台,直接转发给收款资金平台进行处理),因此很难预估收款资金平台接收到转账交易的时间,综合上述两个方面的原因,才需要从转账交易被发起开始,就保持对收款资金平台的交易信息查询接口的监控,直至发现风险中止转账交易,或者直至收款资金平台完成转账交易。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 .

转账交易的交易信息所包括信息项可以有很多,在一些实施例中,可以将转账交易的与资金损失风险有关联的信息项(一旦记录出错就容易导致资金损失),作为需要记录的原始交易信息和非原始交易信息。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.

交易信息的信息项可以包括:付款账户信息、收款账户信息、付款资金平台信息、收款资金平台信息、付款币种信息、收款币种信息、付款金额、收款金额、每个中间资金平台收取的手续费金额中的一个或多个。这些信息项都是与资金损失风险有关联的信息项。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.

本公开中的原始交易信息,是指转账交易的交易信息的原始版本,可以理解为是付款账户发起转账交易时指定的正确信息。按照原始交易信息完成转账交易的话,则不会造成资金损失。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.

本公开中的非原始交易信息,是指付款资金平台将转账交易发送出去之后,每个中间资金平台、收款资金平台接收到转账交易后所记录的交易信息的非原始版本。容易理解,中间资金平台、收款资金平台的工作人员或者交易系统可能会出现错误操作,导致所记录的非原始交易信息与原始交易信息不一致。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.

需要说明,有可能并不是每个中间资金平台都会向网络中暴露交易信息查询接口,因此,对于未暴露交易信息查询接口中间资金平台,则不容易获取该中间资金平台记录的非原始交易信息。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.

还需要说明,有的资金平台虽然向网络暴露了交易信息查询接口,但是该资金平台对交易信息查询接口的实现程度不高,也就是说,该资金平台暴露的信息查询接口所支持查询的非原始交易信息的信息项不全。例如,原始交易信息的信息项包括付款账户信息、收款账户信息、付款资金平台信息、收款资金平台信息、付款币种信息、收款币种信息、付款金额、收款金额、每个中间资金平台收取的手续费金额,而某个中间资金平台暴露的信息查询接口所支持查询的非原始信息的信息项仅包括付款账户信息、收款账户信息、付款资金平台信息、收款资金平台信息。对于这种情况,不论通过该资金平台的信息查询接口获取到的非原始交易信息的信息项是否全面,只要获取的非原始交易信息的信息项与原始交易信息的信息项一致,就可以认定不触发风控措施。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.

在一些实施例中,资金平台可以接入全球汇款结算网络(Society for WorldwideInterbank Financial Telecommunication,SWFT),向SWIFT暴露的全球支付创新(GlobalPayments Innovation,GPI)接口,作为交易信息查询接口。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.

本公开中提及的风控措施,可以根据实际需要进行设定。作为示例,风控措施可以是向目标非原始交易信息所来源的中间资金平台或所述收款资金平台发送通知消息,所述通知消息用于指示停止处理所述转账交易。风控措施也可以是报警操作。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.

在一些实施例中,如果付款资金平台与收款资金平台之间存在线性排序的N个中间资金平台,N>1,那么,可以不一开始就同时开始对所有中间资金平台的交易信息查询接口进行监控,而是设置i=1,循环执行以下步骤直至i=N: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:

通过监控第i个中间资金平台的交易信息查询接口,获取第i个中间资金平台接收到所述转账交易后所记录的非原始交易信息;若通过监控第i个中间资金平台的交易信息查询接口,获取到处理完成所述转账交易的反馈,则停止监控第i个中间资金平台的交易信息查询接口,然后重新设置i=i+1。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.

这样一来,可以尽量减少监控信息查询接口所耗费的计算资源,同时也避免未监控转账交易风险的情况发生。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.

在一些实施例中,监控模块并不一定可以预先明确付款资金平台与收款资金平台之间的中间资金平台链条上具体包括哪些中间资金平台,以及这些中间资金平台之间的顺序是怎样的,有的中间资金平台可能会即时确定下一个中间资金平台。因此,为了方便监控模块及时对转账交易流经的中间资金平台的交易信息查询接口进行监控,通过监控第i个中间资金平台的交易信息查询接口,获取第i个中间资金平台反馈的下一个待处理所述转账交易的中间资金平台的信息,从而可以让监控平台及时明确当前所监控的交易信息查询接口对应的中间资金平台的下一个中间资金平台,对这下一个中间资金的交易信息查询接口进行继续监控。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.

另外,如果通过监控所述收款资金平台的交易信息查询接口,获取到处理完成所述转账交易(款项已经转入收款账户)的反馈,则可以停止监控所述收款资金平台的交易信息查询接口与每个中间资金平台的交易信息查询接口,以便节省投入到监控的计算资源。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.

此外,可以周期性发送风控指令,以周期性触发追踪模块从整合模块获取最新的目标非原始交易信息,将目标非原始交易信息发送给管理模块,管理模块将接收到的目标非原始交易信息与记录的原始交易信息进行比对,若不一致,则触发针对转账交易的风控措施。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.

上述的周期的时长可以设定的比较小(比如1分钟),如此,可以实现近乎实时性地对转账交易的推进过程进行风险识别,风控时效性较好。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.

本公开还提供一种程序产品,所述程序产品在运行时执行本公开实施例的方法。The present disclosure also provides a program product that executes the method of the embodiment of the present disclosure when running.

本公开还提供一种计算机可读存储介质,该介质上存储有计算机程序,所述程序被处理器执行时实现本公开实施例的方法。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.

本公开还提供一种计算设备,包括存储器、处理器;所述存储器用于存储可在处理器上运行的计算机指令,所述处理器用于在执行所述计算机指令时实现本公开实施例的方法。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. .

图4是本公开提供的一种计算设备的结构示意图,该计算设备15可以包括但不限于:处理器151、存储器152、连接不同系统组件(包括存储器152和处理器151)的总线153。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).

其中,存储器152存储有计算机指令,该计算机指令可以被处理器151执行,使得处理器151能够执行本公开任一实施例的方法。存储器152可以包括随机存取存储单元RAM1521、高速缓存存储单元1522和/或只读存储单元ROM1523。该存储器152还可以包括:具有一组程序模块1524的程序工具1525,该程序模块1524包括但不限于:操作系统、一个或多个应用程序、其他程序模块和程序数据,这些程序模块一种或多种组合可以包含网络环境的实现。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.

总线153例如可以包括数据总线、地址总线和控制总线等。该计算设备15还可以通过I/O接口154与外部设备155通信,该外部设备155例如可以是键盘、蓝牙设备等。该计算设备150还可以通过网络适配器156与一个或多个网络通信,例如,该网络可以是局域网、广域网、公共网络等。如图所示,该网络适配器156还可以通过总线153与计算设备15的其他模块进行通信。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 .

此外,尽管在附图中以特定顺序描述了本公开方法的操作,但是,这并非要求或者暗示必须按照该特定顺序来执行这些操作,或是必须执行全部所示的操作才能实现期望的结果。附加地或备选地,可以省略某些步骤,将多个步骤合并为一个步骤执行,和/或将一个步骤分解为多个步骤执行。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.

虽然已经参考若干具体实施方式描述了本公开的精神和原理,但是应该理解,本公开并不限于所公开的具体实施方式,对各方面的划分也不意味着这些方面中的特征不能组合以进行受益,这种划分仅是为了表述的方便。本公开旨在涵盖所附权利要求的精神和范围内所包括的各种修改和等同布置。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.

上述实施例阐明的方法,具体可以由计算机芯片或实体实现,或者由具有某种功能的产品来实现。一种典型的实现设备为计算机。具体的,计算机例如可以为个人计算机、膝上型计算机、蜂窝电话、相机电话、智能电话、个人数字助理、媒体播放器、导航设备、电子邮件设备、游戏控制台、平板计算机、可穿戴设备或者这些设备中的任何设备的组合。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.

为了描述的方便,描述以上装置时以功能分为各种模块分别描述。当然,在实施本说明书时可以把各模块的功能在同一个或多个软件和/或硬件中实现。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.

本领域内的技术人员应明白,本发明的实施例可提供为方法、装置、或计算机程序产品。因此,本发明可采用完全硬件实施例、完全软件实施例、或结合软件和硬件方面的实施例的形式。而且,本发明可采用在一个或多个其中包含有计算机可用程序代码的计算机可用存储介质(包括但不限于磁盘存储器、CD-ROM、光学存储器等)上实施的计算机程序产品的形式。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.

计算机可读介质包括永久性和非永久性、可移动和非可移动媒体可以由任何方法或技术来实现信息存储。信息可以是计算机可读指令、数据结构、程序的模块或其他数据。计算机的存储介质的例子包括,但不限于相变内存(PRAM)、静态随机存取存储器(SRAM)、动态随机存取存储器(DRAM)、其他类型的随机存取存储器(RAM)、只读存储器(ROM)、电可擦除可编程只读存储器(EEPROM)、快闪记忆体或其他内存技术、只读光盘只读存储器(CD-ROM)、数字多功能光盘(DVD)或其他光学存储、磁盒式磁带、磁盘存储、量子存储器、基于石墨烯的存储介质或其他磁性存储设备或任何其他非传输介质,可用于存储可以被计算设备访问的信息。按照本文中的界定,计算机可读介质不包括暂存电脑可读媒体(transitory media),如调制的数据信号和载波。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.

还需要说明的是,术语“包括”、“包含”或者其任何其他变体意在涵盖非排他性的包含,从而使得包括一系列要素的过程、方法、商品或者设备不仅包括那些要素,而且还包括没有明确列出的其他要素,或者是还包括为这种过程、方法、商品或者设备所固有的要素。在没有更多限制的情况下,由语句“包括一个……”限定的要素,并不排除在包括所述要素的过程、方法、商品或者设备中还存在另外的相同要素。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.

在本说明书多个实施例使用的术语是仅仅出于描述特定实施例的目的,而非旨在限制本说明书多个实施例。在本说明书多个实施例和所附权利要求书中所使用的单数形式的“一种”、“所述”和“该”也旨在包括多数形式,除非上下文清楚地表示其他含义。还应当理解,本文中使用的术语“和/或”是指并包含一个或多个相关联的列出项目的任何或所有可能组合。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.

应当理解,尽管在本说明书多个实施例可能采用术语第一、第二、第三等来描述各种信息,但这些信息不应限于这些术语。这些术语仅用来将同一类型的信息彼此区分开。例如,在不脱离本说明书多个实施例范围的情况下,第一信息也可以被称为第二信息,类似地,第二信息也可以被称为第一信息。取决于语境,如在此所使用的词语“如果”可以被解释成为“在……时”或“当……时”或“响应于确定”。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."

本说明书中的各个实施例均采用递进的方式描述,各个实施例之间相同相似的部分互相参见即可,每个实施例重点说明的都是与其他实施例的不同之处。尤其,对于方法实施例而言,由于其基本相似于方法实施例,所以描述得比较简单,相关之处参见方法实施例的部分说明即可。以上所描述的方法实施例仅仅是示意性的,其中所述作为分离部件说明的模块可以是或者也可以不是物理上分开的,在实施本说明书实施例方案时可以把各模块的功能在同一个或多个软件和/或硬件中实现。也可以根据实际的需要选择其中的部分或者全部模块来实现本实施例方案的目的。本领域普通技术人员在不付出创造性劳动的情况下,即可以理解并实施。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.

以上所述仅为本说明书多个实施例的较佳实施例而已,并不用以限制本说明书多个实施例,凡在本说明书多个实施例的精神和原则之内,所做的任何修改、等同替换、改进等,均应包含在本说明书多个实施例保护的范围之内。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)

1.一种转账交易的风控方法,包括:1. A risk control method for transfer transactions, including: 响应于付款资金平台发起转账交易,记录所述转账交易的原始交易信息;In response to the payment fund platform initiating a transfer transaction, record the original transaction information of the transfer transaction; 通过监控所述付款资金平台与收款资金平台之间的至少一个中间资金平台的交易信息查询接口,获取所述至少一个中间资金平台接收到所述转账交易后所记录的非原始交易信息;以及,通过监控所述收款资金平台的交易信息查询接口,获取所述收款资金平台接收到所述转账交易后所记录的非原始交易信息;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; 响应于风控指令,确定最近获取到的目标非原始交易信息,将所述目标非原始交易信息与所述原始交易信息进行比对,若不一致,则触发针对所述转账交易的风控措施。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.如权利要求1所述方法,其中,所述转账交易的交易信息,包括如下信息项中的至少一个:2. The method of claim 1, wherein the transaction information of the transfer transaction includes at least one of the following information items: 付款账户信息、收款账户信息、付款资金平台信息、收款资金平台信息、付款币种信息、收款币种信息、付款金额、收款金额、每个中间资金平台收取的手续费金额。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.如权利要求1所述方法,其中,所述交易信息查询接口,包括:暴露给全球汇款结算网络SWIFT的全球支付创新GPI接口。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.如权利要求1所述方法,所述风控措施,包括:4. The method according to claim 1, the risk control measures include: 向所述目标非原始交易信息所来源的中间资金平台或所述收款资金平台发送通知消息,所述通知消息用于指示停止处理所述转账交易;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; 和/或and / or 报警操作。Alarm operation. 5.如权利要求1所述方法,其中,所述付款资金平台与所述收款资金平台之间存在线性排序的N个中间资金平台,N>1;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; 所述通过监控所述付款资金平台与收款资金平台之间的至少一个中间资金平台的交易信息查询接口,获取所述至少一个中间资金平台接收到所述转账交易后所记录的非原始交易信息,包括: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: 设置i=1,循环执行以下步骤直至i=N:Set i=1 and loop through the following steps until i=N: 通过监控第i个中间资金平台的交易信息查询接口,获取第i个中间资金平台接收到所述转账交易后所记录的非原始交易信息;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; 若通过监控第i个中间资金平台的交易信息查询接口,获取到处理完成所述转账交易的反馈,则停止监控第i个中间资金平台的交易信息查询接口,然后重新设置i=i+1。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.如权利要求5所述方法,循环执行的步骤还包括:6. The method according to claim 5, the steps of cyclic execution further include: 通过监控第i个中间资金平台的交易信息查询接口,获取第i个中间资金平台反馈的下一个待处理所述转账交易的中间资金平台的信息。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.如权利要求1所述方法,还包括:7. The method of claim 1, further comprising: 若通过监控所述收款资金平台的交易信息查询接口,获取到处理完成所述转账交易的反馈,则停止监控所述收款资金平台的交易信息查询接口与每个中间资金平台的交易信息查询接口。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.如权利要求1所述方法,还包括:8. The method of claim 1, further comprising: 接收周期性发送的风控指令。Receive risk control instructions sent periodically. 9.一种转账交易的风控装置,包括:9. A risk control device for transfer transactions, including: 管理模块,响应于付款资金平台发起转账交易,记录所述转账交易的原始交易信息;向追踪模块发送风控指令;将接收到目标非原始交易信息与所述原始交易信息进行比对,若不一致,则触发针对所述转账交易的风控措施;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; 监控模块,通过监控所述付款资金平台与收款资金平台之间的至少一个中间资金平台的交易信息查询接口,获取所述至少一个中间资金平台接收到所述转账交易后所记录的非原始交易信息;以及,通过监控所述收款资金平台的交易信息查询接口,获取所述收款资金平台接收到所述转账交易后所记录的非原始交易信息;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; 整合模块,基于所述监控模块获取的全部非原始交易信息,确定最近获取到的目标非原始交易信息;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; 追踪模块,响应于风控指令,从所述整合模块获取所述目标非原始交易信息,并将所述目标非原始交易信息发送给所述管理模块。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. 10.一种计算机可读存储介质,该介质上存储有计算机程序,所述程序被处理器执行时实现权利要求1-8中任一项所述方法。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. 11.一种计算设备,包括存储器、处理器;所述存储器用于存储可在处理器上运行的计算机指令,所述处理器用于在执行所述计算机指令时实现权利要求1-8中任一项所述方法。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.
CN202311050112.3A 2023-08-18 2023-08-18 A risk control method, device, medium and computing equipment for transfer transactions Pending CN117132285A (en)

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