CN117132285A - Wind control method, device, medium and computing equipment for transfer transaction - Google Patents
Wind control method, device, medium and computing equipment for transfer transaction Download PDFInfo
- Publication number
- 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
- Authority
- CN
- China
- Prior art keywords
- transaction information
- platform
- fund
- original
- transaction
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
- 238000012546 transfer Methods 0.000 title claims abstract description 128
- 238000000034 method Methods 0.000 title claims abstract description 47
- 238000012544 monitoring process Methods 0.000 claims description 37
- 238000012545 processing Methods 0.000 claims description 10
- 230000010354 integration Effects 0.000 claims description 7
- 238000004590 computer program Methods 0.000 claims description 5
- 230000001960 triggered effect Effects 0.000 abstract description 6
- 230000008569 process Effects 0.000 description 8
- 230000006870 function Effects 0.000 description 3
- 230000005540 biological transmission Effects 0.000 description 2
- 238000010586 diagram Methods 0.000 description 2
- 238000012986 modification Methods 0.000 description 2
- 230000004048 modification Effects 0.000 description 2
- 230000003287 optical effect Effects 0.000 description 2
- OKTJSMMVPCPJKN-UHFFFAOYSA-N Carbon Chemical compound [C] OKTJSMMVPCPJKN-UHFFFAOYSA-N 0.000 description 1
- 230000032683 aging Effects 0.000 description 1
- 238000013475 authorization Methods 0.000 description 1
- 230000008901 benefit Effects 0.000 description 1
- 230000001413 cellular effect Effects 0.000 description 1
- 230000008859 change Effects 0.000 description 1
- 230000000694 effects Effects 0.000 description 1
- 229910021389 graphene Inorganic materials 0.000 description 1
- 230000000977 initiatory effect Effects 0.000 description 1
- 210000001503 joint Anatomy 0.000 description 1
- 230000000750 progressive effect Effects 0.000 description 1
- 230000004044 response Effects 0.000 description 1
- 230000003068 static effect Effects 0.000 description 1
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
- G06F16/90—Details of database functions independent of the retrieved data types
- G06F16/95—Retrieval from the web
- G06F16/953—Querying, e.g. by the use of web search engines
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
Landscapes
- Engineering & Computer Science (AREA)
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Theoretical Computer Science (AREA)
- General Physics & Mathematics (AREA)
- Physics & Mathematics (AREA)
- Finance (AREA)
- Databases & Information Systems (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Computer Security & Cryptography (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Data Mining & Analysis (AREA)
- General Engineering & Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Embodiments disclosed herein provide a method, apparatus, medium, and computing device for controlling a transfer transaction. On the one hand, the original transaction information of the transfer transaction is recorded, on the other hand, the transaction information inquiry interface of at least the intermediate fund platform between the payment fund platform and the collection fund platform is monitored, and the transaction information inquiry interface of the collection fund platform is monitored, the non-original transaction information recorded by the fund platform reached by the latest progress of the transfer transaction is timely obtained, once an air control instruction is received, the latest obtained non-original transaction information and the original transaction information can be compared, if the latest obtained non-original transaction information and the original transaction information are inconsistent, the fact that the transaction information under the latest progress of the transfer transaction is wrong is indicated, which means the risk of fund loss is indicated, and therefore the air control measure for the transfer transaction needs to be timely triggered.
Description
Technical Field
Embodiments of the present disclosure relate to the technical field of financial wind control, and in particular, to a wind control method, device, medium and computing equipment for transfer transaction.
Background
A transfer transaction refers to a transaction in which money is transferred from a payment account to a collection account. In a cross-border transfer scene, a payment account of a transfer transaction is inconsistent with a fund platform where a receiving account is located, at least one intermediate fund platform responsible for money transfer exists between the fund platform where the payment account is located (payment fund platform) and the fund platform where the receiving account is located (receiving fund platform), and after the payment fund platform initiates the transfer transaction, the transfer transaction sequentially passes through each intermediate fund platform and finally reaches the receiving fund platform to complete the transfer.
Based on this, how to effectively control the risk that may occur during the progress of the transfer transaction is a technical problem to be solved in the art.
Disclosure of Invention
According to a first aspect of various embodiments of the present specification, there is provided a method of wind control of a transfer transaction, comprising:
responding to a fund payment platform to initiate a transfer transaction, and recording original transaction information of the transfer transaction;
acquiring non-original transaction information recorded by at least one intermediate fund platform after receiving the transfer transaction through monitoring a transaction information query interface of the at least one intermediate fund platform between the payment fund platform and the collection fund platform; the transaction information inquiry interface of the fund collection platform is monitored to obtain non-original transaction information recorded after the fund collection platform receives the transfer transaction;
and responding to the wind control instruction, determining the target non-original transaction information which is acquired recently, comparing the target non-original transaction information with the original transaction information, and if the target non-original transaction information is inconsistent with the original transaction information, triggering wind control measures for the transfer transaction.
According to a second aspect of various embodiments of the present specification, there is provided a wind control apparatus for a transfer transaction, comprising:
the management module is used for responding to the fund payment platform to initiate transfer transaction and recording the original transaction information of the transfer transaction; sending a wind control instruction to the tracking module; comparing the received target non-original transaction information with the original transaction information, and if the target non-original transaction information is inconsistent with the original transaction information, triggering wind control measures for the transfer transaction;
the monitoring module is used for acquiring non-original transaction information recorded after the at least one intermediate fund platform receives the transfer transaction through monitoring a transaction information query interface of the at least one intermediate fund platform between the payment fund platform and the collection fund platform; the transaction information inquiry interface of the fund collection platform is monitored to obtain non-original transaction information recorded after the fund collection platform receives the transfer transaction;
the integration module is used for determining the target non-original transaction information acquired recently based on all the non-original transaction information acquired by the monitoring module;
and the tracking module is used for responding to the wind control instruction, acquiring the target non-original transaction information from the integration module and transmitting the target non-original transaction information to the management module.
According to a third aspect of embodiments of the present specification, a computing device is presented, comprising a memory, a processor; the memory is for storing computer instructions executable on a processor for implementing the method of the first aspect when the computer instructions are executed.
According to a fourth aspect of embodiments of the present specification, there is provided a computer readable storage medium having stored thereon a computer program which when executed by a processor implements the method of the first aspect.
In the technical scheme provided by the disclosure, on one hand, original transaction information of a transfer transaction is recorded, on the other hand, a transaction information inquiry interface of at least an intermediate fund platform between a payment fund platform and a collection fund platform is monitored, and a transaction information inquiry interface of the collection fund platform is monitored, non-original transaction information recorded by a fund platform (a certain intermediate fund platform or the collection fund platform) reached by the latest progress of the transfer transaction is timely obtained, once a wind control instruction is received, the latest obtained non-original transaction information and the original transaction information can be compared, if inconsistency is found, the fact that the transaction information under the latest progress of the transfer transaction is wrong means that the fund loss risk is generated is indicated, and therefore wind control measures for the transfer transaction need to be timely triggered.
By the technical scheme, the fund loss risk can be found in time in the process of transferring transaction pushing, and the fund loss is avoided by wind control measures in time.
Drawings
FIG. 1 is a schematic illustration of transfer transactions flowing between a paymate fund platform, at least one intermediate fund platform, a paymate fund platform.
FIG. 2 is a flow chart illustrating a method of controlling wind in a transfer transaction.
FIG. 3 is an exemplary flow chart of a wind control device for a transfer transaction.
Fig. 4 is a schematic structural diagram of a computing device provided by the present disclosure.
In the drawings, the same or corresponding reference numerals indicate the same or corresponding parts. Any number of elements in the figures are for illustration and not limitation, and any naming is used for distinction only and not for any limiting sense.
Detailed Description
In order to make the technical solutions in the present specification better understood by those skilled in the art, the technical solutions in the embodiments of the present specification will be clearly and completely described below with reference to the drawings in the embodiments of the present specification, and it is obvious that the described embodiments are only some embodiments of the present specification, not all embodiments. All other embodiments, which can be made by one of ordinary skill in the art without undue burden from the present disclosure, are intended to be within the scope of the present disclosure.
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, the method may include more or fewer steps than described in this specification. Furthermore, individual steps described in this specification, in other embodiments, may be described as being split into multiple steps; while various steps described in this specification may be combined into a single step in other embodiments.
The user information (including but not limited to user equipment information, user identity information, user transaction information and the like) and data (including but not limited to data for analysis, stored data, presented data and the like) related to the application are information and data which are authorized by a user or are fully authorized by all parties, and the collection, use and processing of related data need to comply with related laws and regulations and standards of related countries and regions, and are provided with corresponding operation entries for users to select authorization or rejection.
The cross-border transfer scenario refers to transfer from an account on an in-house fund platform to an account on an out-of-house fund platform or transfer from an account on an out-of-house fund platform to an account on an in-house fund platform.
In a cross-border transfer scenario, a payment fund platform where a payment account is located and a collection fund platform where a collection account is located are not generally in direct butt joint, but need to sequentially pass through at least one intermediate fund platform, so that transfer transaction starts from the payment fund platform, sequentially passes through each intermediate fund platform, and finally reaches the collection fund platform to complete transfer. FIG. 1 is a schematic illustration of transfer transactions flowing between a paymate fund platform, at least one intermediate fund platform, a paymate fund platform.
The funding platform in the present disclosure may refer to any platform capable of opening and managing funding accounts, and may be a bank, an electronic payment platform, or the like. As a specific example, the paymate fund platform in the present disclosure may be an electronic paymate platform, the intermediate fund platform may be a bank, and the paymate fund platform may also be a bank.
However, during the advancement of the transfer transaction, any one of the fund platforms (from the payment fund platform, the intermediate fund platform, to the collection fund platform) may be subject to an operational error, resulting in the risk of funds loss to the user for the transfer transaction. For example, when a funds platform processes a transfer transaction, the transaction amount is written in error, the collection account information is written in error, the information of the next funds platform to be forwarded for the transfer transaction is written in error, the commission is calculated in error, and so on.
To control the above risks, one possible way is to windage the transfer transaction in advance. Specifically, before the payment fund platform forwards the transfer transaction to the first intermediate fund platform, the transfer transaction is circulated among a plurality of internal nodes in the payment fund platform, and whether the non-original transaction information recorded after each internal node receives the transfer transaction is consistent with the original transaction information of the transfer transaction is judged, so that the risk possibly occurring is prevented.
However, the prior art method cannot ensure that the transfer transaction actually flows through the intermediate fund platform outside the payment fund platform and the collection fund platform without risk, so that the air control effect is poor.
Another possible way is to post-wind the transfer transaction. Specifically, after the transfer transaction is completed, the fund collecting platform feeds back non-original transaction information recorded by the fund collecting platform to the fund collecting platform, the fund collecting platform compares the non-original transaction information with the original transaction information, if the non-original transaction information is inconsistent with the original transaction information, the fund collecting platform confirms that the loss occurs, and the fund collecting platform can be required to recover the lost funds.
However, the post-hoc wind control method described above is performed after the transfer transaction has been actually completed, and on the one hand, the risk cannot be found in time, and on the other hand, the lost funds cannot be ensured to be recovered.
Based on the foregoing, in one or more embodiments provided by the present disclosure, a technical solution for in-the-event wind control is provided. On the one hand, the original transaction information of the transfer transaction is recorded, on the other hand, the transaction information inquiry interface of at least an intermediate fund platform between a payment fund platform and a collection fund platform is monitored, and the transaction information inquiry interface of the collection fund platform is monitored, so that the non-original transaction information recorded by the fund platform (a certain intermediate fund platform or the collection fund platform) reached by the latest progress of the transfer transaction is timely obtained, once an air control instruction is received, the latest obtained non-original transaction information and the original transaction information can be compared, if the latest obtained non-original transaction information and the original transaction information are inconsistent, the fact that the transaction information under the latest progress of the transfer transaction is wrong is indicated, which means the risk of funds loss is required, and therefore, the air control measures for the transfer transaction need to be timely triggered.
Through the technical scheme of the embodiment of the disclosure, the risk of transfer transaction can be found more timely, the wind control aging is improved, and the fund loss is avoided more certainly.
The technical scheme provided by the present disclosure is described in detail below with reference to the accompanying drawings.
FIG. 2 is a flow chart of an exemplary method of controlling a transfer transaction, comprising the steps of:
s200: and in response to the fund payment platform initiating a transfer transaction, recording original transaction information of the transfer transaction.
S202: and acquiring non-original transaction information recorded by the at least one intermediate fund platform after receiving the transfer transaction through monitoring a transaction information query interface of the at least one intermediate fund platform between the payment fund platform and the collection fund platform.
S204: and acquiring non-original transaction information recorded by the fund collection platform after receiving the transfer transaction through a transaction information query interface of the fund collection platform.
S206: and responding to the wind control instruction, determining the latest acquired target non-original transaction information, comparing the target non-original transaction information with the original transaction information, executing S208 if the target non-original transaction information is inconsistent with the original transaction information, and executing S210 if the target non-original transaction information is consistent with the original transaction information.
S208: triggering an air control measure for the transfer transaction.
S210: no wind control measures for transfer transactions are triggered.
The method flow shown in fig. 2 may be applied to a paymate funding platform or may be applied to a computing device that is independent of the paymate funding platform. At the software level, a virtual device for controlling the wind of transfer transactions may be deployed on a paymate fund platform or other computing device, which may include a management module, a monitoring module, an integration module, a tracking module, see fig. 3.
The management module is used for responding to the fund payment platform to initiate transfer transaction and recording the original transaction information of the transfer transaction; sending a wind control instruction to the tracking module; and comparing the received target non-original transaction information with the original transaction information, and if the target non-original transaction information is inconsistent with the original transaction information, triggering a wind control measure for the transfer transaction.
The monitoring module is used for acquiring non-original transaction information recorded after the at least one intermediate fund platform receives the transfer transaction through monitoring a transaction information query interface of the at least one intermediate fund platform between the payment fund platform and the collection fund platform; and acquiring non-original transaction information recorded by the fund receiving platform after receiving the transfer transaction through a transaction information query interface of the fund receiving platform.
The integration module is used for determining the target non-original transaction information acquired recently based on all the non-original transaction information acquired by the monitoring module.
The tracking module is used for responding to the wind control instruction, acquiring the target non-original transaction information from the integration module and sending the target non-original transaction information to the management module.
As can be seen from fig. 3, the monitoring module may maintain monitoring of the transaction information query interface of the fund collection platform and the at least one intermediate fund platform exposed to the network, so as to obtain non-original transaction information recorded by the fund collection platform and the at least one intermediate fund platform after receiving the transfer transaction.
It will be readily appreciated that the transfer transaction will flow through each intermediate fund platform in turn with the receiving fund platform, and therefore, the fund platforms receive the transfer transaction in chronological order, which means that the fund platforms differ in time when they record non-original transaction information of the transfer transaction. Therefore, when the wind control instruction is received, the determined latest monitoring acquired non-original transaction information is the non-original transaction information recorded by the fund platform on which the current progress of the transfer transaction is located. If the non-original transaction information is inconsistent with the original transaction information, the risk of transfer transaction is found in time, and wind control measures can be timely taken to avoid the risk from developing into actual asset loss.
In addition, in some embodiments, the funds collection platform, the intermediate funds platform may update the recorded non-original transaction information during the processing of the transfer transaction. For example, when receiving the transfer transaction, a certain intermediate fund platform records payment account information, collection account information and transfer amount of the transfer transaction as non-original transaction information, and during the process of processing the transfer transaction, the intermediate fund platform records the commission amount which should be charged by itself, and then records the commission amount into the non-original transaction information so as to update the recorded non-original transaction information. In this case, the monitoring module may keep monitoring the transaction information query interfaces exposed to the network by the fund collection platform and the at least one intermediate fund platform, so that the latest version of the non-original transaction information recorded by the fund collection platform may be continuously obtained.
It is emphasized that the monitoring module needs to maintain monitoring of the transaction information query interface of the funds transfer platform from the time the transfer transaction is initiated. The reason is that, on the one hand, the checkout fund platform is the fund platform that actually completes the transfer transaction, and if the checkout fund platform completes the transfer transaction once, it may be difficult to pursue lost funds even if a risk of funds loss is found. On the other hand, various accidents (such as skipping some intermediate fund platforms and directly forwarding to the fund receiving platform for processing) exist in the progress process of the transfer transaction, so that it is difficult to estimate the time when the fund receiving platform receives the transfer transaction, and the monitoring of the transaction information inquiry interface of the fund receiving platform is kept until the risk is found to suspend the transfer transaction or until the fund receiving platform completes the transfer transaction after the transfer transaction is initiated.
The transaction information of the transfer transaction may include a number of information items, and in some embodiments, the information items of the transfer transaction associated with the risk of funds loss (which may easily result in funds loss once recorded in error) may be used as the original transaction information and the non-original transaction information that need to be recorded.
The information items of the transaction information may include: one or more of 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 amount of commission charged per intermediate fund platform. These are all information items associated with a risk of funds loss.
The original transaction information in the present disclosure refers to an original version of transaction information of a transfer transaction, and may be understood as the correct information specified when a payment account initiates the transfer transaction. If the transfer transaction is completed according to the original transaction information, no funds are lost.
The non-original transaction information in the present disclosure refers to a non-original version of the transaction information recorded by each intermediate fund platform and the receiving fund platform after receiving the transfer transaction after the payment fund platform sends the transfer transaction. It is readily appreciated that the intermediate funds platform, the staff of the collection funds platform, or the transaction system may be subject to incorrect operation, resulting in recorded non-original transaction information not being consistent with the original transaction information.
It should be noted that, not every intermediate fund platform may expose the transaction information query interface to the network, so for an intermediate fund platform that does not expose the transaction information query interface, it is not easy to obtain the non-original transaction information recorded by the intermediate fund platform.
It should be further noted that, although some fund platforms expose the transaction information query interface to the network, the fund platform does not implement the transaction information query interface to a high degree, that is, the information query interface exposed by the fund platform supports incomplete information items of queried non-original transaction information. 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, and amount of the commission charged by each intermediate fund platform, while the information items of the non-original information supported by the information query interface exposed by a certain intermediate fund platform include only payment account information, collection account information, payment fund platform information, collection fund platform information. For this case, whether or not the information item of the non-original transaction information acquired through the information inquiry interface of the fund platform is comprehensive, it may be determined that the wind control measure is not triggered as long as the acquired information item of the non-original transaction information is identical to the information item of the original transaction information.
In some embodiments, the funding platform may access a global money transfer settlement network (Society for Worldwide Interbank Financial Telecommunication, SWFT), a global payment innovation (Global Payments Innovation, GPI) interface exposed to SWIFT, as a transaction information query interface.
The wind control measures mentioned in the present disclosure may be set according to actual needs. As an example, the wind control measure may be to send a notification message to the intermediate fund platform from which the target non-original transaction information originates or the money collection fund platform, the notification message being used to instruct to stop processing the transfer transaction. The wind control measure may also be an alarm operation.
In some embodiments, if there are N intermediate fund platforms in a linear order between the payment fund platform and the collection fund platform, N > 1, then monitoring the transaction information query interfaces of all intermediate fund platforms may begin at the same time, instead of setting i=1, and the following steps are performed in a loop until i=n:
acquiring non-original transaction information recorded by the ith intermediate fund platform after receiving the transfer transaction through a transaction information query interface of the ith intermediate fund platform; if feedback for processing and completing the transfer transaction is obtained through monitoring the transaction information query interface of the ith intermediate fund platform, stopping monitoring the transaction information query interface of the ith intermediate fund platform, and resetting i=i+1.
Therefore, the computing resources consumed by the monitoring information inquiry interface can be reduced as much as possible, and the situation that the transfer transaction risk is not monitored is avoided.
In some embodiments, the monitoring module may not necessarily have a priori knowledge of which intermediate fund platforms are specifically included in the chain of intermediate fund platforms between the payment fund platform and the collection fund platform, and what the order between these intermediate fund platforms is, some intermediate fund platforms may determine the next intermediate fund platform in time. Therefore, in order to facilitate the monitoring module to monitor the transaction information query interface of the intermediate fund platform through which the transfer transaction flows in time, the information of the intermediate fund platform to be processed next fed back by the ith intermediate fund platform is obtained by monitoring the transaction information query interface of the intermediate fund platform, so that the monitoring platform can timely determine the next intermediate fund platform of the intermediate fund platform corresponding to the currently monitored transaction information query interface, and the transaction information query interface of the next intermediate fund can be continuously monitored.
In addition, if feedback for processing the transfer transaction (the money has been transferred to the collection account) is obtained by monitoring the transaction information inquiry interface of the collection fund platform, the monitoring of the transaction information inquiry interface of the collection fund platform and the transaction information inquiry interface of each intermediate fund platform can be stopped, so that the monitored computing resources are saved.
In addition, the wind control instruction can be periodically sent to periodically trigger the tracking module to acquire the latest target non-original transaction information from the integrating module, the target non-original transaction information is sent to the management module, the management module compares the received target non-original transaction information with the recorded original transaction information, and if the received target non-original transaction information is inconsistent with the recorded original transaction information, wind control measures for transfer transaction are triggered.
The period duration can be set to be smaller (for example, 1 minute), so that risk identification can be carried out on the advancing process of the transfer transaction in near real time, and the wind control timeliness is good.
The present disclosure also provides a program product that, when run, performs the methods of the embodiments of the present disclosure.
The present disclosure also provides a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, implements a method of an embodiment of the present disclosure.
The present disclosure also provides a computing device comprising a memory, a processor; the memory is used to store computer instructions executable on a processor for implementing the methods of the embodiments of the present disclosure when the computer instructions are executed.
Fig. 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: processor 151, memory 152, a bus 153 that connects the various system components, including memory 152 and processor 151.
Wherein the memory 152 stores computer instructions executable by the processor 151 such that the processor 151 is capable of performing the methods of any of the embodiments of the present disclosure. The memory 152 may include random access memory unit RAM1521, cache memory unit 1522, and/or read only memory unit ROM1523. The memory 152 may also include: a program tool 1525 having a set of program modules 1524, the program modules 1524 including, but not limited to: an operating system, one or more application programs, other program modules, and program data, one or more combinations of which may include an implementation of a 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 may also communicate with external devices 155 via the I/O interface 154, such as a keyboard, bluetooth device, etc., the external devices 155 may be, for example. The computing device 150 may also communicate with one or more networks, such as local area networks, wide area networks, public networks, etc., through a network adapter 156. As shown, the network adapter 156 may also communicate with other modules of the computing device 15 over the bus 153.
Furthermore, although the operations of the methods of the present disclosure are depicted in the drawings in a particular order, this is not required to or suggested that these operations must be performed in this particular order or that all of the illustrated operations must be performed in order to achieve desirable results. Additionally or alternatively, certain steps may be omitted, multiple steps combined into one step to perform, and/or one step decomposed into multiple steps to perform.
While the spirit and principles of the present disclosure have been described with reference to several particular embodiments, it is to be understood that this disclosure is not limited to the particular embodiments disclosed nor does it imply that features in these aspects are not to be combined to benefit from this division, which is done for convenience of description only. The disclosure is intended to cover various modifications and equivalent arrangements included within the spirit and scope of the appended claims.
The method set forth in the above embodiment may be implemented in particular by a computer chip or entity, or by a product having a certain function. One typical implementation is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.
For convenience of description, the above devices are described as being functionally divided into various modules, respectively. Of course, the functions of each module may be implemented in the same piece or pieces of software and/or hardware when implementing the present description.
It will be apparent to those skilled in the art that embodiments of the present application may be provided as a method, apparatus, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
Computer readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of storage media for a computer include, but are not limited to, phase change memory (PRAM), static Random Access Memory (SRAM), dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), read Only Memory (ROM), electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, read only compact disc read only memory (CD-ROM), digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic disk storage, quantum memory, graphene-based storage or other magnetic storage devices, or any other non-transmission medium, which can be used to store information that can be accessed by the computing device. Computer-readable media, as defined herein, does not include transitory computer-readable media (transmission media), such as modulated data signals and carrier waves.
It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising one … …" does not exclude the presence of other like elements in a process, method, article or apparatus that comprises the element.
The terminology used in the various embodiments of the description is for the purpose of describing particular embodiments only and is not intended to be limiting of the various embodiments of the description. As used in this specification, the singular forms "a", "an", and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. It should also be understood that the term "and/or" as used herein refers to and encompasses any or all possible combinations of one or more of the associated listed items.
It should be understood that although the terms first, second, third, etc. may be used in various embodiments of the present description to describe various information, these information should not be limited to these terms. These terms are only used to distinguish one type of information from another. For example, the first information may also be referred to as second information, and similarly, the second information may also be referred to as first information, without departing from the scope of the various embodiments of the present description. The word "if" as used herein may be interpreted as "at … …" or "at … …" or "responsive to a determination", depending on the context.
In this specification, each embodiment is described in a progressive manner, and identical and similar parts of each embodiment are all referred to each other, and each embodiment mainly describes differences from other embodiments. In particular, for the method embodiments, since they are substantially similar to the method embodiments, the description is relatively simple, and reference is made to the description of the method embodiments for relevant points. The above-described method embodiments are merely illustrative, in that the modules illustrated as separate components may or may not be physically separate, and the functions of the modules may be implemented in the same piece or pieces of software and/or hardware when implementing the embodiments of the present disclosure. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of this embodiment. Those of ordinary skill in the art will understand and implement the present application without undue burden.
The foregoing description of the preferred embodiments is merely illustrative of the present application and is not intended to limit the embodiments of the present application, and any modifications, equivalents, improvements, etc. made within the spirit and principles of the embodiments of the present application are intended to be included within the scope of the embodiments of the present application.
Claims (11)
1. A method of wind control of a transfer transaction, comprising:
responding to a fund payment platform to initiate a transfer transaction, and recording original transaction information of the transfer transaction;
acquiring non-original transaction information recorded by at least one intermediate fund platform after receiving the transfer transaction through monitoring a transaction information query interface of the at least one intermediate fund platform between the payment fund platform and the collection fund platform; the transaction information inquiry interface of the fund collection platform is monitored to obtain non-original transaction information recorded after the fund collection platform receives the transfer transaction;
and responding to the wind control instruction, determining the target non-original transaction information which is acquired recently, comparing the target non-original transaction information with the original transaction information, and if the target non-original transaction information is inconsistent with the original transaction information, triggering wind control measures for the transfer transaction.
2. The method of claim 1, wherein the transaction information of the transfer transaction includes at least one of the following items of information:
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 amount of commission charged by each intermediate fund platform.
3. The method of claim 1, wherein the transaction information query interface comprises: the global payment innovative GPI interface exposed to the global remittance settlement network SWIFT.
4. The method of claim 1, the wind control measure comprising:
sending a notification message to an intermediate fund platform or a fund collection platform from which the target non-original transaction information is derived, wherein the notification message is used for indicating to stop processing the transfer transaction;
and/or
And (5) alarming operation.
5. The method of claim 1, wherein there are N intermediate fund platforms in linear ordering between the paymate fund platform and the paymate fund platform, N > 1;
the acquiring, by monitoring a transaction information query interface of at least one intermediate fund platform between the payment fund platform and the collection fund platform, non-original transaction information recorded by the at least one intermediate fund platform after receiving the transfer transaction includes:
setting i=1, the following steps are cyclically performed until i=n:
acquiring non-original transaction information recorded by the ith intermediate fund platform after receiving the transfer transaction through a transaction information query interface of the ith intermediate fund platform;
if feedback for processing and completing the transfer transaction is obtained through monitoring the transaction information query interface of the ith intermediate fund platform, stopping monitoring the transaction information query interface of the ith intermediate fund platform, and resetting i=i+1.
6. The method of claim 5, the step of cyclically performing further comprising:
and acquiring information of the intermediate fund platform to be processed next to the transfer transaction fed back by the ith intermediate fund platform through monitoring a transaction information query interface of the ith intermediate fund platform.
7. The method of claim 1, further comprising:
and if the feedback for processing the transfer transaction is obtained through monitoring the transaction information inquiry interface of the fund collection platform, stopping monitoring the transaction information inquiry interface of the fund collection platform and the transaction information inquiry interface of each intermediate fund platform.
8. The method of claim 1, further comprising:
and receiving a wind control instruction which is sent periodically.
9. A wind control apparatus for transfer transactions, comprising:
the management module is used for responding to the fund payment platform to initiate transfer transaction and recording the original transaction information of the transfer transaction; sending a wind control instruction to the tracking module; comparing the received target non-original transaction information with the original transaction information, and if the target non-original transaction information is inconsistent with the original transaction information, triggering wind control measures for the transfer transaction;
the monitoring module is used for acquiring non-original transaction information recorded after the at least one intermediate fund platform receives the transfer transaction through monitoring a transaction information query interface of the at least one intermediate fund platform between the payment fund platform and the collection fund platform; the transaction information inquiry interface of the fund collection platform is monitored to obtain non-original transaction information recorded after the fund collection platform receives the transfer transaction;
the integration module is used for determining the target non-original transaction information acquired recently based on all the non-original transaction information acquired by the monitoring module;
and the tracking module is used for responding to the wind control instruction, acquiring the target non-original transaction information from the integration module and transmitting the target non-original transaction information to the management module.
10. A computer readable storage medium having stored thereon a computer program which when executed by a processor performs the method of any of claims 1-8.
11. A computing device comprising a memory, a processor; the memory is for storing computer instructions executable on a processor for implementing the method of any of claims 1-8 when the computer instructions are executed.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202311050112.3A CN117132285A (en) | 2023-08-18 | 2023-08-18 | Wind control method, device, medium and computing equipment for transfer transaction |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202311050112.3A CN117132285A (en) | 2023-08-18 | 2023-08-18 | Wind control method, device, medium and computing equipment for transfer transaction |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN117132285A true CN117132285A (en) | 2023-11-28 |
Family
ID=88852091
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202311050112.3A Pending CN117132285A (en) | 2023-08-18 | 2023-08-18 | Wind control method, device, medium and computing equipment for transfer transaction |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN117132285A (en) |
Citations (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106803174A (en) * | 2017-02-09 | 2017-06-06 | 黄志军 | A kind of mobile payment transaction method |
| CN110705851A (en) * | 2019-09-19 | 2020-01-17 | 腾讯科技（深圳）有限公司 | Transaction risk control method and device and electronic equipment |
| CN112308565A (en) * | 2020-08-14 | 2021-02-02 | 中国工商银行股份有限公司 | Many-to-many cross-border fund wind control method and system based on knowledge graph |
| US20210295286A1 (en) * | 2020-03-17 | 2021-09-23 | Bank Of America Corporation | Automated Transaction Processing Based on Cognitive Learning |
| CN115409516A (en) * | 2022-09-01 | 2022-11-29 | 中国银行股份有限公司 | Cross-border e-commerce transaction wind control method and device based on block chain |
| CN115619528A (en) * | 2022-11-03 | 2023-01-17 | 支付宝实验室(新加坡)有限公司 | Fund transaction state monitoring method and device |
| WO2023078124A1 (en) * | 2021-11-08 | 2023-05-11 | 支付宝(杭州)信息技术有限公司 | Blockchain-based cross-border remittance |
| CN116362903A (en) * | 2023-02-09 | 2023-06-30 | 杭州鲸晶智能科技有限公司 | Funds collaborative management system, method, electronic equipment and storage medium |
-
2023
- 2023-08-18 CN CN202311050112.3A patent/CN117132285A/en active Pending
Patent Citations (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106803174A (en) * | 2017-02-09 | 2017-06-06 | 黄志军 | A kind of mobile payment transaction method |
| CN110705851A (en) * | 2019-09-19 | 2020-01-17 | 腾讯科技（深圳）有限公司 | Transaction risk control method and device and electronic equipment |
| US20210295286A1 (en) * | 2020-03-17 | 2021-09-23 | Bank Of America Corporation | Automated Transaction Processing Based on Cognitive Learning |
| CN112308565A (en) * | 2020-08-14 | 2021-02-02 | 中国工商银行股份有限公司 | Many-to-many cross-border fund wind control method and system based on knowledge graph |
| WO2023078124A1 (en) * | 2021-11-08 | 2023-05-11 | 支付宝(杭州)信息技术有限公司 | Blockchain-based cross-border remittance |
| CN115409516A (en) * | 2022-09-01 | 2022-11-29 | 中国银行股份有限公司 | Cross-border e-commerce transaction wind control method and device based on block chain |
| CN115619528A (en) * | 2022-11-03 | 2023-01-17 | 支付宝实验室(新加坡)有限公司 | Fund transaction state monitoring method and device |
| CN116362903A (en) * | 2023-02-09 | 2023-06-30 | 杭州鲸晶智能科技有限公司 | Funds collaborative management system, method, electronic equipment and storage medium |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN108229943B (en) | Block chain balance adjusting method and device and electronic equipment | |
| CN110471986B (en) | Bill real name getting method and device based on block chain and electronic equipment | |
| RU2721828C1 (en) | Method, device and system for person authentication | |
| CN110765200B (en) | Asset procurement method and device based on block chain and electronic equipment | |
| CN108256999B (en) | Capital transfer method and device and electronic equipment | |
| CN110032598B (en) | Method and device for updating field and electronic equipment | |
| CN109840837B (en) | Financial data processing method and device, computer readable medium and electronic equipment | |
| CN110020843B (en) | Red purse picking method and device based on escrow account and electronic equipment | |
| US20200134713A1 (en) | Regulatory inspection in a blockchain network | |
| CN110706105A (en) | Error marking method, error marking device, computer equipment and storage medium | |
| CN108230130B (en) | Method and device for verifying daily cutting data and electronic equipment | |
| EP3131041A1 (en) | Testing of enterprise resource planning systems | |
| CN112819632A (en) | Block chain-based reimbursement expense segmentation method and device and electronic equipment | |
| CN112465633A (en) | Transaction reconciliation method, readable storage medium and computer equipment | |
| CN113076482A (en) | Business information pushing method, device, system, computer equipment and storage medium | |
| CN117132285A (en) | Wind control method, device, medium and computing equipment for transfer transaction | |
| CN109345249B (en) | Payment failure processing method and device | |
| CN111523052A (en) | Block chain-based user recommendation method and device and electronic equipment | |
| CN111309576A (en) | Pressure testing method and device | |
| US20210304162A1 (en) | Configuration of data transfer recipient | |
| WO2017124939A1 (en) | Simulation method and device for contactless ic card, and simulation apparatus | |
| EP4184408A1 (en) | Account linking index structure in a network | |
| US20240257082A1 (en) | Payment tracking system for an overlay network for payment networks | |
| CN114255026A (en) | Account recharging method, device and system | |
| CN118052553A (en) | Payment control method, device, computer equipment and storage medium |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination |