CN117273932A - Method, device, equipment, medium and product for processing remittance transaction - Google Patents
Method, device, equipment, medium and product for processing remittance transaction Download PDFInfo
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Abstract
The application discloses a method, a device, equipment, a medium and a product for processing a money transfer transaction. The processing method of the remittance transaction comprises the following steps: receiving a money transfer transaction request; analyzing the remittance transaction request and determining remittance element information; inputting the remittance element information into a pre-trained risk analysis model, and determining whether target risk rules corresponding to the remittance element information exist in a plurality of risk rules of the risk analysis model; matching the remittance element information with risk element information in a target risk rule corresponding to the remittance element information to obtain a first matching result; and determining a management and control strategy of the remittance transaction according to the first matching result. According to the embodiment of the application, the money transfer transaction can be efficiently processed, and the labor cost can be reduced.
Description
Technical Field
The application belongs to the technical field of data processing, and particularly relates to a processing method, a device, equipment, a medium and a product for money transfer transaction.
Background
In recent years, with the great increase in the amount of money transfer transactions and the more sophisticated and diverse information on money transfer elements, the complexity and difficulty of managing money transfer transactions have increased. For the manual-based processing method in the related art, a lot of labor cost is required, and the processing efficiency is low.
Disclosure of Invention
The embodiment of the application provides a processing method, device, equipment, medium and product for money transfer transaction, which can realize efficient processing of money transfer transaction.
In a first aspect, an embodiment of the present application provides a method for processing a money transfer transaction, the method including:
receiving a money transfer transaction request;
analyzing the remittance transaction request and determining remittance element information;
inputting the remittance element information into a pre-trained risk analysis model, and determining whether target risk rules corresponding to the remittance element information exist in a plurality of risk rules of the risk analysis model;
matching the remittance element information with risk element information in a target risk rule corresponding to the remittance element information to obtain a first matching result;
and determining a management and control strategy of the remittance transaction according to the first matching result.
In a second aspect, embodiments of the present application provide a processing apparatus for a money transfer transaction, the apparatus comprising:
the receiving module is used for receiving a remittance transaction request;
the analysis module is used for analyzing the remittance transaction request and determining remittance element information;
the input module is used for inputting the remittance element information into a pre-trained risk analysis model and determining whether target risk rules corresponding to the remittance element information exist in a plurality of risk rules of the risk analysis model;
the matching module is used for responding to the existence of a target risk rule corresponding to the remittance element information, matching the remittance element information with the risk element information in the target risk rule, and obtaining a first matching result;
and the determining module is used for determining the management and control strategy of the remittance transaction according to the first matching result.
In a third aspect, an embodiment of the present application provides an electronic device, including: a processor and a memory storing computer program instructions; the processor when executing the computer program instructions performs the steps of the method of processing a money transfer transaction as described in any of the embodiments of the first aspect.
In a fourth aspect, embodiments of the present application provide a computer readable storage medium having stored thereon computer program instructions which, when executed by a processor, implement the steps of a method of processing a money transfer transaction as in any of the embodiments of the first aspect.
In a fifth aspect, embodiments of the present application provide a computer program product, instructions in which, when executed by a processor of an electronic device, cause the electronic device to perform the steps of the method of processing a money transfer transaction as in any of the embodiments of the first aspect.
According to the method, the device, the equipment, the medium and the product for processing the remittance transaction, remittance element information of the remittance transaction is input into the risk analysis model to determine whether a target risk rule matched with the remittance element information exists or not and whether a matching result of the remittance element information and the risk element information in the target risk rule exists or not, so that risk analysis of the remittance transaction is realized; therefore, the management and control strategy of the remittance transaction is determined according to the matching result, the efficient processing of the remittance transaction is realized, and the labor cost can be reduced.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings that are needed in the embodiments of the present application will be briefly described, and it is possible for a person skilled in the art to obtain other drawings according to these drawings without inventive effort.
FIG. 1 is a flow chart of a method of processing a money transfer transaction provided in an embodiment of the present application;
FIG. 2 is a schematic diagram of a money transfer transaction processing apparatus according to an embodiment of the present application;
fig. 3 is a schematic structural diagram of an electronic device according to an embodiment of the present application.
Detailed Description
Features and exemplary embodiments of various aspects of the present application are described in detail below to make the objects, technical solutions and advantages of the present application more apparent, and to further describe the present application in conjunction with the accompanying drawings and the detailed embodiments. It should be understood that the specific embodiments described herein are intended to be illustrative of the application and are not intended to be limiting. It will be apparent to one skilled in the art that the present application may be practiced without some of these specific details. The following description of the embodiments is merely intended to provide a better understanding of the present application by showing examples of the present application.
It is noted that relational terms such as first and second, and the like are used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Moreover, 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 … …" does not exclude the presence of other like elements in a process, method, article or apparatus that comprises the element.
It should be noted that, in the embodiment of the present application, the data acquisition, storage, use, processing, etc. all conform to relevant regulations of national laws and regulations.
In recent years, with the great increase in the amount of money transfer transactions and the more sophisticated and diverse information on money transfer elements, the complexity and difficulty of managing money transfer transactions have increased. For the manual-based processing method in the related art, a lot of labor cost is required, and the processing efficiency is low.
In order to solve the problems of the related art, embodiments of the present application provide a method, an apparatus, a device, a medium, and a product for processing a money transfer transaction.
The following describes in detail the processing method of the money transfer transaction provided in the embodiment of the present application through specific embodiments and application scenarios thereof with reference to the accompanying drawings.
Fig. 1 shows a flow diagram of a method 100 of processing a money transfer transaction according to an embodiment of the present application.
As shown in FIG. 1, the method 100 of processing a money transfer transaction may specifically include the steps of:
s101, receiving a remittance transaction request;
s102, analyzing the remittance transaction request, and determining remittance element information;
s103, inputting the remittance element information into a pre-trained risk analysis model, and determining whether target risk rules corresponding to the remittance element information exist in a plurality of risk rules of the risk analysis model;
s104, matching the remittance element information with risk element information in a target risk rule in response to the existence of the target risk rule corresponding to the remittance element information, so as to obtain a first matching result;
s105, determining a management and control strategy of the remittance transaction according to the first matching result.
Thus, by inputting remittance element information of remittance transaction into a risk analysis model, determining whether a target risk rule matched with the remittance element information exists or not and determining a matching result of the remittance element information and the risk element information in the target risk rule, the risk analysis of the remittance transaction is realized; therefore, the management and control strategy of the remittance transaction is determined according to the matching result, the efficient processing of the remittance transaction is realized, and the labor cost can be reduced.
A specific implementation of each of the above steps is described below.
Note that the money transfer transaction in the embodiments of the present application may include an in-house money transfer transaction and an out-of-home money transfer transaction, and the embodiment is not limited to the specific type of money transfer transaction.
In some embodiments, in step S101, when the user has a money transfer request, the money transfer information may be generated into request data to initiate a money transfer transaction request, so that the money transfer transaction is processed after the money transfer transaction request is received.
In some embodiments, when a money transfer transaction request sent by a user is received, the money transfer transaction request is parsed to obtain money transfer element information in step S102. Specifically, the money transfer element information may include a name of a sender, a transaction code, a money transfer statement, a money transfer amount, a collection bank, a name of a receiver, a account number and address (country/region) of the receiver, and the like.
However, in the related art, risk analysis is generally performed on related transaction information of a money transfer transaction based on a manual manner, so as to complete risk assessment, verification, and audit of the money transfer transaction, and the accuracy of the risk assessment is low, so that effective screening for the risk transaction is difficult to realize, and further, mishandling of the money transfer transaction may be caused, resulting in occurrence of a security problem.
Therefore, in this embodiment, before step S101, a risk rule base is pre-established, and a risk analysis model is established according to the established risk rule base, so that risk analysis is performed on the remittance transaction based on the risk analysis model, so that accurate discrimination for the risk transaction can be realized, and accuracy of a risk analysis result is ensured.
In some embodiments, for the establishment of the risk rule base, risk rules of different dimensions of multiple dimensions may be established, and these risk rules may be formed into the risk rule base. That is, the risk rule base includes several risk rules. In addition, a plurality of pieces of risk factor information, such as a remittance information sensitive word, a collection high frequency country (region or organization), and multidimensional information such as a special event, are provided for each of these risk rules.
In some embodiments, for the establishment of the risk rules, the shorthand, letter case, and blank-added variant forms of the risk element information thereof may be determined, thereby determining several risk element information and variant forms thereof as the risk rules.
Table 1 below is an exemplary number of risk rules.
TABLE 1
As shown in table 1, each of these risk rules is preset with a corresponding risk value. For example, the preset risk values of risk rule 1, risk rule 2, risk rule 3, and risk rule 6 are all r=1.
Further, in some embodiments, the risk analysis model is built according to a risk rule base, which may specifically include a model building and training process.
In a specific implementation, a plurality of historical remittance data are retrieved from the database and classified into a training set and a testing set according to a preset percentage, and it is understood that the percentages of the training set and the testing set are different, so that the number of the historical remittance data in the training set is different from the number of the historical remittance data in the testing set.
The classification method may be a random classification method or a sequential classification method according to the historical time, that is, the historical remittance data may be classified randomly according to a proportion, or may be sorted according to the historical time and then classified according to a proportion, which is not limited in this embodiment.
In specific implementation, the training set is input into a network model which is built in advance according to the risk rule base for training, and the testing set is input into the network model for testing until the preset termination condition is met, so that the risk analysis model is obtained.
Wherein the termination condition includes at least one of: the number of iterative training reaches a first time threshold, the prediction accuracy reaches a preset value, and the number of continuous and non-descending test loss value reaches a second time threshold.
Further, in some embodiments, in step S103, the money transfer element information is input into the risk analysis model, such that the risk analysis model performs a preliminary risk analysis on the money transfer transaction based on the money transfer element information. Thus, the output of the risk analysis model is the primary risk analysis result.
It should be understood that, since the risk analysis model is pre-imported with the risk rule base, and the risk rule base includes several risk rules, the preliminary risk analysis result characterizes whether there is a target risk rule corresponding to the money transfer element information among the several risk rules of the risk analysis model. And, it is understood that the number of target risk rules is greater than or equal to one item.
Further, in some embodiments, if the preliminary risk analysis results indicate that there is no target risk rule corresponding to the money transfer element information, then the money transfer transaction is indicated as having no risk factor. Thus, money transfer can be directly performed according to the money transfer element information to complete the processing of the money transfer transaction.
In another embodiment, if the preliminary risk analysis result indicates that there is a target risk rule corresponding to the money transfer element information in step S104, it is necessary to further determine a first matching result of the money transfer element information and the risk element information in the target risk rule.
Specifically, the first matching result may represent a first number of matches of money transfer element information with risk element information that matches in the target risk rule.
Thus, in some embodiments, in step S105, a risk coefficient corresponding to the target risk rule may be determined according to the first matching result. For example, the ratio of the first number of matches to the total number of risk element information in a target risk rule may be determined as the risk factor corresponding to the target risk rule.
Further, in some embodiments, since the risk rules are each preset with a respective risk value, a risk score of the money transfer transaction may be determined according to the preset risk value and the risk coefficient thereof corresponding to the target risk rule, so as to complete an accurate risk analysis of the money transfer transaction.
Specifically, a value obtained by multiplying a risk value corresponding to the target risk rule by the risk coefficient may be determined as a risk score of the money transfer transaction. In addition, because the number of the target risk rules may be greater than one, the product values corresponding to the target risk rules may be summed up to obtain a risk score for the money transfer transaction.
In this way, the money transfer transaction can be correspondingly processed according to the numerical relation between the risk score and the preset risk threshold values of different grades, namely, the corresponding management and control strategy of the money transfer transaction is determined according to the risk score. Alternatively, a risk level corresponding to the money transfer transaction may be further determined based on the risk score to determine a corresponding management and control policy based on the risk level of the money transfer transaction.
Specifically, the preset risk threshold may include a first risk threshold and a second risk threshold, and the second risk threshold is greater than the first risk threshold.
In some embodiments, for risk levels, high risk, medium risk, and low risk may be included. When the risk score is greater than or equal to the second risk threshold, the risk level of the money transfer transaction is high risk; when the risk score is greater than or equal to the first risk threshold and less than the second risk threshold, the risk level of the money transfer transaction is a medium risk; the risk level of the money transfer transaction is low risk when the risk score is less than the first risk threshold.
In some embodiments, determining a corresponding management policy based on the risk level of the money transfer transaction may specifically include: for remittance transactions with low risk level, the management and control strategy is to remittance directly according to remittance element information; for the remittance transaction with the risk class of medium risk, the management and control strategy is to send remittance information to the target object so that the target object can carry out further risk analysis on the remittance transaction; for remittance transactions with high risk levels, the management and control strategy is to send prompt information of failure of remittance transaction request to the user.
In some embodiments, in response to the risk score being less than a first predetermined risk threshold, the risk of the money transfer transaction is lower, and the policy governing the money transfer transaction is to transfer money according to the money transfer element information. And, the policing policy may be defined as a first policing policy.
It should be noted that, before a money transfer is performed based on money transfer element information, a money transfer amount of a money transfer transaction needs to be further determined based on the risk level determined by the risk score. Accordingly, when the money transfer amount included in the money transfer element information is less than or equal to the money transfer amount, money transfer is performed according to the money transfer element information; when the money transfer amount is greater than the money transfer amount, a first prompt message of failure of the money transfer transaction request is sent to the user, and the first prompt message comprises the reason of the failure of the request, namely the excessive money transfer amount and the money transfer amount of the money transfer transaction, so that the user can select to modify the money transfer amount to the amount which does not exceed the money transfer amount, and accordingly the money transfer transaction request is reinitiated.
That is, the first management and control strategy includes: judging the remittance amount according to the remittance amount of the remittance transaction; and in response to determining that the money transfer amount is less than or equal to the money transfer amount, transferring money according to the money transfer element information.
In some embodiments, in response to the risk score being greater than or equal to a second risk threshold, the risk of the money transfer transaction is higher, and the policy for managing the money transfer transaction is to generate a first hint information of failure of the money transfer transaction request according to the first matching result and send the first hint information to the user corresponding to the money transfer transaction request. And, the policing policy may be defined as a second policing policy. In addition, it may be appreciated that the first prompt information includes information such as the target risk rule and the first matching result, so that the user can specify a specific cause of failure of the money transfer transaction request.
In some embodiments, the money transfer transaction is at risk when the risk score is between the first risk threshold and the second risk threshold. However, since there may be a problem of failure of a risk rule in a risk analysis model for performing risk analysis on a money transfer transaction, in order to reduce an influence of an error of a first matching result obtained by using the risk analysis model on processing of the money transfer transaction, further risk analysis is performed on the money transfer transaction, so that risk assessment is more comprehensive and accurate.
Thus, in response to the risk score being greater than or equal to the first risk threshold and less than the second risk threshold, the money transfer transaction management policy is to send money transfer element information to the target object to cause the target object to perform risk analysis based on the money transfer element information to generate a second matching result. And, the policing policy may be defined as a third policing policy.
In specific implementation, a time constraint and a priority constraint are set for the risk analysis process of the target object, that is, the second matching result should be generated before the preset time limit according to the priority.
In addition, the number of the target objects is not limited in this embodiment, and when the number of the target objects is greater than 1, the second matching results generated by the target objects are respectively corresponding to the target objects, and further comprehensive evaluation is required according to the second matching results, so that the result after comprehensive evaluation is used as a final risk analysis result of the remittance transaction.
Furthermore, in some embodiments, the risk analysis model may be trained and updated based on the second matching results.
In specific implementation, determining a failure risk rule by comparing target risk rules respectively matched with remittance element information represented by the first matching result and the second matching result or the matching quantity of risk element information matched with the target risk rules; thus, the failure risk rule is modified according to the second matching result, for example, the risk element information in the failure risk rule is limited, deleted or added.
Thus, by modifying and updating the failure risk rules, an updated risk rule base can be obtained. Furthermore, according to the updated risk rule base, an updated risk analysis model can be trained to improve the accuracy of risk analysis such as identification, screening and the like of money transfer transactions in the risk analysis process.
In another embodiment, after sending the money transfer element information to the target object, the target object performs risk analysis according to the money transfer element information, and the target object cannot generate the second matching result, that is, the target object cannot complete risk analysis due to incomplete or insufficient current money transfer element information. And generating a second prompt message with incomplete remittance transaction request, and sending the second prompt message to the user corresponding to the remittance transaction request, so that the user can supplement the request data according to the second prompt message, thereby re-initiating the remittance transaction request.
In addition, a time constraint and a frequency constraint may be set for the user's response to the second prompt. For example, the number of responses must not exceed three and the response time must not exceed three days, otherwise a reminder of the failure of the money transfer transaction request will be generated.
Further, the above embodiments of determining a policy for controlling money transfer transactions based on the first matching result are described as examples.
With the exemplary risk rules in Table 1, and with the first risk threshold K 1 =0.6, second risk threshold K 2 For example, =0.9, such that when the target risk rule is risk rule 1, risk rule 2, risk rule 3, or risk rule 6, and when the risk coefficient is 1, then the corresponding risk score r=1, then R>K 2 The management and control strategy generates first prompt information of failure of the remittance transaction request; when the target risk rule is risk rule 4, risk rule 5, risk rule 7 or risk rule 8, and when the risk factor is 1, the corresponding risk score r=0.3, R<K 1 And the management and control strategy is to remit money according to the remittance element information.
Or when the target risk rule comprises any two risk rules of the risk rule 4, the risk rule 5, the risk rule 7 or the risk rule 8 and the risk coefficients are all 1, the corresponding risk scores are:
r=0.6, then K 1 ≤R<K 2 The management and control policy is to send money transfer element information to the target object.
In another embodiment, risk assessment and processing may be performed differently for a specific rule corresponding to the target risk rule. And, for the risk rule 3 and the risk rule 6, precise matching and fuzzy matching may be included, and in particular, for the distinction between precise matching and fuzzy matching, the first matching result or risk coefficient may be used.
For example, when the remittance element information is matched with any one of risk rule 1, risk rule 2, risk rule 3 (accurate matching) or risk rule 6 (accurate matching), first prompt information of failure of the remittance transaction request is generated; when the remittance element information is matched with any one of the risk rules 3 (fuzzy matching) and 6 (fuzzy matching), or when the remittance element information is matched with any one of the risk rules 4+ (any one of the risk rules 7, 5 and 8), or when the remittance element information is matched with any one of the risk rules 5+ (any one of the risk rules 4, 7 and 8), or when the remittance element information is matched with any one of the risk rules 7+ (any one of the risk rules 4, 5 and 8), the management and control policy is that the remittance element information is sent to the target object.
It should be noted that some embodiments of the present application are described above. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments described above and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.
Based on the same technical concept, the application also provides a risk assessment device 200 of money transfer transaction, corresponding to any embodiment method.
As shown in fig. 2, the risk assessment device 200 of the money transfer transaction may include:
a receiving module 201 for receiving a money transfer transaction request;
the analyzing module 202 is configured to analyze the money transfer transaction request and determine money transfer element information of a money transfer transaction;
the input module 203 is configured to input the money transfer element information into a pre-trained risk analysis model, and determine whether a target risk rule corresponding to the money transfer element information exists in a plurality of risk rules of the risk analysis model;
a matching module 204, configured to, in response to the existence of a target risk rule corresponding to the money transfer element information, match the money transfer element information with risk element information in the target risk rule, and obtain a first matching result;
a determining module 205, configured to determine a policy for controlling the money transfer transaction according to the first matching result.
In some embodiments, the several risk rules are respectively preset with corresponding risk values. A determining module 205, configured to determine a risk coefficient corresponding to the target risk rule according to the first matching result; determining a risk score of the money transfer transaction according to the risk value and the risk coefficient corresponding to the target risk rule; and determining a management and control strategy of the remittance transaction according to the risk score.
In some embodiments, the determining module 205 is further specifically configured to determine the risk score, and determine that the policy for controlling the money transfer transaction is to transfer money according to the money transfer element information in response to the risk score being less than a first risk threshold set in advance.
In some embodiments, the determining module 205 is further specifically configured to determine the risk score, and determine that the management policy of the money transfer transaction is to send the money transfer element information to the target object so that the target object performs risk analysis according to the money transfer element information to generate a second matching result in response to the risk score being greater than or equal to a first risk threshold set in advance and the risk score being less than a second risk threshold set in advance; wherein the second risk threshold is greater than the first risk threshold.
In some embodiments, the determining module 205 is further specifically configured to determine the risk score, determine, in response to the risk score being greater than or equal to a second risk threshold set in advance, that the management policy of the money transfer transaction is a first hint information that the money transfer transaction request fails according to the first matching result, and send the first hint information to the user corresponding to the money transfer transaction request.
In some embodiments, the processing apparatus 200 for a money transfer transaction further includes a generating module (not shown in fig. 2) configured to generate a second hint that the request for the money transfer transaction is incomplete in response to the target object failing to generate a second match result based on the risk analysis of the money transfer element information; and sending the second prompt information to a user corresponding to the remittance transaction request.
In some embodiments, processing device 200 of the money transfer transaction further includes an update module (not shown in fig. 2) for comparing the first matching result and the second matching result to determine a failure risk rule of the plurality of risk rules; modifying the failure risk rule to obtain an updated risk rule base; and training to obtain an updated risk analysis model according to the updated risk rule base.
It should be noted that, for convenience of description, the above devices are described as being functionally divided into various modules. 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 application.
The device of the foregoing embodiment is configured to implement the processing method of the corresponding money transfer transaction in any of the foregoing embodiments, and has the beneficial effects of the corresponding method embodiment, which is not described herein.
Based on the same technical conception, the application also provides electronic equipment corresponding to the method of any embodiment.
Fig. 3 shows a more specific hardware structure of the electronic device according to the present embodiment.
A processor 301 and a memory 302 storing computer program instructions may be included in the electronic device 300.
In particular, the processor 301 may include a Central Processing Unit (CPU), or an application specific integrated circuit (Application Specific Integrated Circuit, ASIC), or may be configured to implement one or more integrated circuits of embodiments of the present application.
Memory 302 may include mass storage for data or instructions. By way of example, and not limitation, memory 302 may comprise a Hard Disk Drive (HDD), floppy Disk Drive, flash memory, optical Disk, magneto-optical Disk, magnetic tape, or universal serial bus (Universal Serial Bus, USB) Drive, or a combination of two or more of the foregoing. Memory 302 may include removable or non-removable (or fixed) media, where appropriate. Memory 302 may be internal or external to the integrated gateway disaster recovery device, where appropriate. In a particular embodiment, the memory 302 is a non-volatile solid-state memory.
In particular embodiments, the memory may include Read Only Memory (ROM), random Access Memory (RAM), magnetic disk storage media devices, optical storage media devices, flash memory devices, electrical, optical, or other physical/tangible memory storage devices. Thus, in general, the memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., memory devices) encoded with software comprising computer-executable instructions and when the software is executed (e.g., by one or more processors) it is operable to perform the operations described with reference to a method according to an aspect of the present application.
Processor 301 reads and executes the computer program instructions stored in memory 302 to implement the processing method of any of the money transfer transactions of the above-described embodiments.
In some examples, electronic device 300 may also include a communication interface 303 and a bus 310. As shown in fig. 3, the processor 301, the memory 302, and the communication interface 303 are connected to each other by a bus 310 and perform communication with each other.
The communication interface 303 is mainly used to implement communications between modules, apparatuses, units, and/or devices in the embodiments of the present application.
Bus 310 includes hardware, software, or both that couple the components of the online data flow billing device to each other. By way of example, and not limitation, bus 310 may include an Accelerated Graphics Port (AGP) or other graphics bus, an Enhanced Industry Standard Architecture (EISA) bus, a Front Side Bus (FSB), a HyperTransport (HT) interconnect, an Industry Standard Architecture (ISA) bus, an infiniband interconnect, a Low Pin Count (LPC) bus, a memory bus, a micro channel architecture (MCa) bus, a Peripheral Component Interconnect (PCI) bus, a PCI-Express (PCI-X) bus, a Serial Advanced Technology Attachment (SATA) bus, a video electronics standards association local (VLB) bus, or other suitable bus, or a combination of two or more of the above. Bus 310 may include one or more buses, where appropriate. Although embodiments of the present application describe and illustrate a particular bus, the present application contemplates any suitable bus or interconnect.
By way of example, the electronic device 300 may be a cell phone, tablet computer, notebook computer, palm top computer, vehicle mounted electronic device, ultra-mobile personal computer (UMPC), netbook or personal digital assistant (personal digital assistant, PDA), or the like.
Based on the same technical concept, the application also provides a non-transitory computer readable storage medium corresponding to the method of any embodiment. The computer readable storage medium has stored thereon computer program instructions; the computer program instructions, when executed by a processor, implement a method of processing a money transfer transaction according to any of the above embodiments. Examples of computer readable storage media include non-transitory computer readable storage media such as portable disks, hard disks, random Access Memories (RAMs), read-only memories (ROMs), erasable programmable read-only memories (EPROM or flash memories), portable compact disk read-only memories (CD-ROMs), optical storage devices, magnetic storage devices, and the like.
Based on the same technical idea, the application also provides a computer program product corresponding to the method of any embodiment, which comprises the computer program instructions. In some embodiments, the computer program instructions may be executed by one or more processors of a computer to cause the computer and/or the processor to perform the processing method of the money transfer transaction. Corresponding to the execution subject corresponding to each step in each embodiment of the method for processing a money transfer transaction, the processor for executing the corresponding step may belong to the corresponding execution subject.
It should be clear that the present application is not limited to the particular arrangements and processes described above and illustrated in the drawings. For the sake of brevity, a detailed description of known methods is omitted here. In the above embodiments, several specific steps are described and shown as examples. However, the method processes of the present application are not limited to the specific steps described and illustrated, and those skilled in the art can make various changes, modifications, and additions, or change the order between steps, after appreciating the spirit of the present application.
The functional blocks shown in the above-described structural block diagrams may be implemented in hardware, software, firmware, or a combination thereof. When implemented in hardware, it may be, for example, an electronic circuit, an Application Specific Integrated Circuit (ASIC), suitable firmware, a plug-in, a function card, or the like. When implemented in software, the elements of the present application are the programs or code segments used to perform the required tasks. The program or code segments may be stored in a machine readable medium or transmitted over transmission media or communication links by a data signal carried in a carrier wave. A "machine-readable medium" may include any medium that can store or transfer information. Examples of machine-readable media include electronic circuitry, semiconductor memory devices, ROM, flash memory, erasable ROM (EROM), floppy disks, CD-ROMs, optical disks, hard disks, fiber optic media, radio Frequency (RF) links, and the like. The code segments may be downloaded via computer networks such as the internet, intranets, etc.
It should also be noted that the exemplary embodiments mentioned in this application describe some methods or systems based on a series of steps or devices. However, the present application is not limited to the order of the above-described steps, that is, the steps may be performed in the order mentioned in the embodiments, may be different from the order in the embodiments, or several steps may be performed simultaneously.
Aspects of the present application are described above with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the application. It will be understood that each block of the flowchart illustrations and/or block diagrams, and combinations of blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, enable the implementation of the functions/acts specified in the flowchart and/or block diagram block or blocks. Such a processor may be, but is not limited to being, a general purpose processor, a special purpose processor, an application specific processor, or a field programmable logic circuit. It will also be understood that each block of the block diagrams and/or flowchart illustration, and combinations of blocks in the block diagrams and/or flowchart illustration, can be implemented by special purpose hardware which performs the specified functions or acts, or combinations of special purpose hardware and computer instructions.
In the foregoing, only the specific embodiments of the present application are described, and it will be clearly understood by those skilled in the art that, for convenience and brevity of description, the specific working processes of the systems, modules and units described above may refer to the corresponding processes in the foregoing method embodiments, which are not repeated herein. It should be understood that the scope of the present application is not limited thereto, and any person skilled in the art can easily conceive various equivalent modifications or substitutions within the technical scope of the present application, which are intended to be included in the scope of the present application.
Claims (15)
1. A method of processing a money transfer transaction, comprising:
receiving a money transfer transaction request;
analyzing the remittance transaction request to determine remittance element information of remittance transaction;
inputting the remittance element information into a pre-trained risk analysis model, and determining whether target risk rules corresponding to the remittance element information exist in a plurality of risk rules of the risk analysis model;
matching the remittance element information with risk element information in a target risk rule corresponding to the remittance element information to obtain a first matching result;
and determining a management and control strategy of the remittance transaction according to the first matching result.
2. The method according to claim 1, wherein the risk rules are each preset with a corresponding risk value;
the determining a management and control policy of the remittance transaction according to the first matching result comprises the following steps:
determining a risk coefficient corresponding to the target risk rule according to the first matching result;
determining a risk score of the money transfer transaction according to the risk value and the risk coefficient corresponding to the target risk rule;
and determining a management and control strategy of the remittance transaction according to the risk score.
3. The method of claim 1, wherein after the inputting the money transfer element information into a pre-trained risk analysis model, determining whether a target risk rule corresponding to the money transfer element information exists among a number of risk rules of the risk analysis model, the method further comprises:
and in response to the absence of the target risk rule corresponding to the money transfer element information, determining that the management and control strategy of the money transfer transaction is to transfer money according to the money transfer element information.
4. The method of claim 2, wherein the determining a policy for managing the money transfer transaction based on the risk score comprises:
and judging the risk score, and determining that the management and control strategy of the money transfer transaction is to transfer money according to the money transfer element information in response to the risk score being smaller than a preset first risk threshold.
5. The method of claim 2, wherein the determining a policy for managing the money transfer transaction based on the risk score further comprises:
judging the risk score, and determining that the money transfer element information is sent to a target object to enable the target object to perform risk analysis according to the money transfer element information to generate a second matching result in response to the risk score being greater than or equal to a first preset risk threshold and the risk score being smaller than a second preset risk threshold;
wherein the second risk threshold is greater than the first risk threshold.
6. The method of claim 2, wherein the determining a policy for managing the money transfer transaction based on the risk score further comprises:
judging the risk score, and determining that the management and control strategy of the money transfer transaction is first prompt information of failure of the money transfer transaction request according to the first matching result and sending the first prompt information to a user corresponding to the money transfer transaction request in response to the risk score being greater than or equal to a second preset risk threshold.
7. The method of claim 5, wherein the sending the money transfer element information to a target object to cause the target object to perform risk analysis based on the money transfer element information to generate a second matching outcome management policy, further comprising:
responding to the fact that the target object cannot generate a second matching result by carrying out risk analysis according to the remittance element information, and generating second prompt information with incomplete remittance transaction request;
and sending the second prompt information to a user corresponding to the remittance transaction request.
8. The method according to claim 5, wherein the risk analysis model is pre-imported with a risk rule base to which the several risk rules belong;
after the sending the remittance element information to the target object so that the target object performs risk analysis according to the remittance element information to generate a second matching result, the method further comprises:
comparing the first matching result with the second matching result, and determining a failure risk rule in the plurality of risk rules;
and modifying the failure risk rule to obtain an updated risk rule base.
9. The method of claim 8, wherein after said modifying said failure risk rule resulting in an updated risk rule base, the method further comprises:
and training to obtain an updated risk analysis model according to the updated risk rule base.
10. The method of claim 3 or 4, wherein the money transfer element information includes a money transfer amount;
the money transfer control strategy according to the money transfer element information comprises the following steps:
judging the remittance amount according to the remittance amount of the remittance transaction;
and in response to determining that the money transfer amount is less than or equal to the money transfer amount, performing money transfer according to the money transfer element information.
11. The method of claim 2, wherein after determining a risk score for the money transfer transaction from the risk value corresponding to the target risk rule and the risk coefficient, the method further comprises:
determining a risk level of the money transfer transaction according to the risk score;
and determining the money transfer amount of the money transfer transaction according to the money transfer element information and the risk level.
12. A money transfer transaction processing apparatus, the apparatus comprising:
the receiving module is used for receiving a remittance transaction request;
the analysis module is used for analyzing the remittance transaction request and determining remittance element information of remittance transaction;
the input module is used for inputting the remittance element information into a pre-trained risk analysis model and determining whether target risk rules corresponding to the remittance element information exist in a plurality of risk rules of the risk analysis model;
the matching module is used for responding to the existence of a target risk rule corresponding to the remittance element information, matching the remittance element information with the risk element information in the target risk rule, and obtaining a first matching result;
and the determining module is used for determining the management and control strategy of the remittance transaction according to the first matching result.
13. An electronic device, the device comprising: a processor and a memory storing computer program instructions; the processor, when executing the computer program instructions, implements a method of processing a money transfer transaction as recited in any of claims 1-11.
14. A computer readable storage medium having stored thereon computer program instructions which when executed by a processor implement a method of processing a money transfer transaction as recited in any of claims 1-11.
15. A computer program product, wherein instructions in the computer program product, when executed by a processor of an electronic device, cause the electronic device to perform the method of processing a money transfer transaction as recited in any of claims 1-11.
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|---|---|---|---|
| CN202311233518.5A CN117273932A (en) | 2023-09-21 | 2023-09-21 | Method, device, equipment, medium and product for processing remittance transaction |
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| CN202311233518.5A CN117273932A (en) | 2023-09-21 | 2023-09-21 | Method, device, equipment, medium and product for processing remittance transaction |
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