CN117495568A

CN117495568A - Transaction method, apparatus, device, medium and program product

Info

Publication number: CN117495568A
Application number: CN202311575815.8A
Authority: CN
Inventors: 王进
Original assignee: Industrial and Commercial Bank of China Ltd ICBC
Current assignee: Industrial and Commercial Bank of China Ltd ICBC
Priority date: 2023-11-23
Filing date: 2023-11-23
Publication date: 2024-02-02

Abstract

The present disclosure provides a transaction method, apparatus, device, medium and program product, relates to the field of information technology, and may be applied to the field of financial technology or other fields. The transaction method comprises the following steps: acquiring a to-be-transferred transaction of a target account; the method comprises the steps of obtaining a consumption portrait of a target account stored in a buried point storage component, and constructing the consumption portrait after key information is extracted from the target account by the buried point component in each of the previous N transfer transactions; invoking a cold static period calculation interface, and judging whether the transaction to be transferred needs to enter a cold static period according to the transaction to be transferred and the consumption portraits; if yes, adding a thread to be transferred and setting a thread refreshing state of the thread to be transferred as a first state so as to delay the transaction to be transferred; n is a positive integer.

Description

Transaction method, apparatus, device, medium and program product

Technical Field

The present disclosure relates to the field of information technology, and in particular, to a transaction method, apparatus, electronic device, storage medium, and program product.

Background

With the rapid development of mobile terminals, various applications can be deployed on the mobile terminals, thereby greatly facilitating the living needs of people. At present, a financial application (app) for realizing transactions can be deployed on a mobile terminal, and cashless financial transactions are realized through the financial application (app), so that the method is widely applied due to the characteristics of convenience and high efficiency.

However, at present, there are cases that fraud is performed by means of short messages or malicious connection sent by telephone, and the user may click on a link without knowledge, so that transfer operations other than subjective will of the user may occur, and thus funds of the user may be lost.

At present, modes such as short message identification, telephone monitoring and the like are adopted to send fraud prompts to users so as to perform risk early warning, but fraud molecules bypass the early warning means easily through modes such as text loopholes and the like.

Disclosure of Invention

In view of the foregoing, the present disclosure provides a transaction method, apparatus, electronic device, storage medium, and program product.

According to a first aspect of the present disclosure, there is provided a transaction method, comprising:

acquiring a to-be-transferred transaction of a target account;

obtaining a consumption portrait of the target account stored in a buried point storage component, wherein the consumption portrait is constructed by extracting key information from the target account by the buried point component in each of the previous N transfer transactions;

invoking a cold static period calculation interface, and judging whether the transaction to be transferred needs to enter a cold static period according to the transaction to be transferred and the consumption portrait;

If yes, adding a thread to be transferred and setting a thread refreshing state of the thread to be transferred as a first state so as to delay the transaction to be transferred;

and N is a positive integer.

According to an embodiment of the present disclosure, the step of constructing a consumer representation comprises:

acquiring an nth transfer transaction of the target account;

extracting a transfer account number, a transfer amount and a transfer time from an nth transfer transaction, and acquiring whether the nth transfer transaction executes a withdrawal transfer operation after entering a cold static period when the cold static period calculation is triggered in the nth transfer transaction;

storing the extracted account number, the account amount and the time of transfer and whether the operation of canceling the transfer is executed or not into a buried point information table according to the ID of the target account;

constructing the consumption portrait according to the buried point information table;

and N is less than or equal to N and is a positive integer.

According to an embodiment of the disclosure, the constructing the consumption portrait according to the buried point information table includes:

acquiring the record number of the transfer transaction of the operation time in a first preset time period from the buried point information table to obtain the transfer frequency of the target account so as to obtain a first transfer frequency;

Acquiring transfer data of transfer transaction of operation time in the first preset time period from the buried point information table, and extracting the maximum transfer amount of a target account in the first preset time period to obtain a first maximum transfer amount;

and constructing the consumption portrait according to the first transfer frequency and the first maximum transfer amount.

According to an embodiment of the disclosure, the calling the cold quiet period calculation interface, according to the transaction to be transferred and the consumption portrait, determines whether the transaction to be transferred needs to enter a cold quiet period, includes:

acquiring the transfer amount of the transaction to be transferred to obtain a first transfer amount;

accumulating the times of the transfer transaction to be transferred and the transfer transaction in a second preset time period to obtain a first transfer time, wherein the second preset time period comprises the time of initiating the transfer transaction to be transferred;

and if the first transfer amount is larger than the first maximum transfer amount and/or the first transfer times are larger than the first transfer times, determining that the transaction to be transferred needs to enter a cold static period.

According to an embodiment of the disclosure, the constructing the consumption portrait according to the buried point information table further includes:

Extracting transfer objects of transfer transactions with operation time within the third preset time period from the buried point information table to obtain a first transfer object set;

storing the extracted transfer object into a buried point information table according to the ID of the target account;

when the first transfer object set does not have transfer objects of the transaction to be transferred, the method for judging whether the transaction to be transferred needs to enter a cold static period according to the transaction to be transferred and the consumption portrait further comprises the steps of:

when the first transfer amount is greater than the second maximum transfer amount and/or the first transfer times are greater than the second transfer times, determining that the transaction to be transferred needs to enter a cold static period;

wherein the second maximum transfer amount is less than the first maximum transfer amount, and the second transfer frequency is less than the first transfer frequency.

According to an embodiment of the disclosure, adding a thread to be transferred and setting a thread refreshing state of the thread to be transferred to be a first state to delay the transaction to be transferred, including;

when the thread refreshing state of the thread to be transferred is set to be a first state, the refreshing time of the thread to be transferred is set to be a preset time;

And executing the thread of the transaction to be transferred when the duration of the thread of the transaction to be transferred in the first state reaches the preset time so as to complete the transaction to be transferred.

A second aspect of the present disclosure provides a transaction device, comprising:

the first acquisition module is used for acquiring the transaction to be transferred of the target account;

the second acquisition module is used for acquiring the consumption portrait of the target account stored in the embedded point storage component, and the consumption portrait is constructed after the embedded point component extracts key information from each of the N previous transfer transactions of the target account;

the first processing module is used for calling a cold static period calculation interface and judging whether the transaction to be transferred needs to enter a cold static period according to the transaction to be transferred and the consumption portrait; if yes, adding a thread to be transferred and setting a thread refreshing state of the thread to be transferred as a first state so as to delay the transaction to be transferred;

a third aspect of the present disclosure provides an electronic device, comprising: one or more processors; and a memory for storing one or more programs, wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to perform the transaction method described above.

A fourth aspect of the present disclosure also provides a computer readable storage medium having stored thereon executable instructions that, when executed by a processor, cause the processor to perform the transaction method described above.

A fifth aspect of the present disclosure also provides a computer program product comprising a computer program which, when executed by a processor, implements the transaction method described above.

One or more of the above embodiments have the following advantages or benefits:

according to the transaction method, historical transfer transactions of the target account are obtained through the embedded point component, consumption figures of the target account are obtained in a summarizing mode, further, when the transfer is initiated by the target account, whether the transaction to be transferred initiated by the target account is matched with the consumption figures of the target account or not is judged through the packaged cold static period computing interface, and then whether the transaction to be transferred is abnormal or not is determined according to a matching result so that the transaction to be transferred needs to enter the cold static period. When the transaction to be transferred is abnormal and needs to enter a cold period, the transaction to be transferred can be delayed by adding the transaction thread to be transferred and setting the state, and when the user verifies that the transaction to be transferred is normal, the state of the transaction thread to be transferred can be directly modified, so that the transaction to be transferred is immediately executed. The transaction method of the embodiment of the disclosure can delay the effective time of the transfer operation immediately when abnormal transfer occurs, thereby giving the user reaction time to decide whether to withdraw the transfer. Meanwhile, a consumption portrait is built through the embedded point assembly, whether the transaction to be transferred needs to enter a cold period or not is calculated through the cold period calculation interface, and therefore a faster processing speed and lower calculation resource occupation can be achieved, transaction application (such as a mobile phone bank) in the mobile terminal can be adapted, risk protection capability of the transaction application in the mobile terminal is further improved, and property safety of a user is protected.

Drawings

The foregoing and other objects, features and advantages of the disclosure will be more apparent from the following description of embodiments of the disclosure with reference to the accompanying drawings, in which:

FIG. 1 schematically illustrates an application scenario diagram of a transaction method, apparatus, electronic device, storage medium, and program product according to an embodiment of the present disclosure;

FIG. 2 schematically illustrates a flow chart of a transaction method according to an embodiment of the present disclosure;

FIG. 3 schematically illustrates a flow diagram for building a consumer representation in accordance with an embodiment of the present disclosure;

FIG. 4 schematically illustrates one of the flowcharts of constructing a consumer representation from a buried point information table, according to an embodiment of the present disclosure;

FIG. 5 schematically illustrates a flow chart of determining whether a cold rest period needs to be entered, according to an embodiment of the disclosure;

FIG. 6 schematically illustrates a second flowchart of constructing a consumer representation from a buried point information table, according to an embodiment of the present disclosure;

FIG. 7 schematically illustrates a flow diagram for adding a thread of a transaction to be transferred, according to an embodiment of the present disclosure;

FIG. 8 schematically illustrates a block diagram of a transaction device according to an embodiment of the present disclosure; and

fig. 9 schematically illustrates a block diagram of an electronic device adapted to implement the transaction method described above, according to an embodiment of the present disclosure.

Detailed Description

Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. It should be understood that the description is only exemplary and is not intended to limit the scope of the present disclosure. In the following detailed description, for purposes of explanation, numerous specific details are set forth in order to provide a thorough understanding of the embodiments of the present disclosure. It may be evident, however, that one or more embodiments may be practiced without these specific details. In addition, in the following description, descriptions of well-known structures and techniques are omitted so as not to unnecessarily obscure the concepts of the present disclosure.

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the disclosure. The terms "comprises," "comprising," and/or the like, as used herein, specify the presence of stated features, steps, operations, and/or components, but do not preclude the presence or addition of one or more other features, steps, operations, or components.

All terms (including technical and scientific terms) used herein have the same meaning as commonly understood by one of ordinary skill in the art unless otherwise defined. It should be noted that the terms used herein should be construed to have meanings consistent with the context of the present specification and should not be construed in an idealized or overly formal manner.

Where expressions like at least one of "A, B and C, etc. are used, the expressions should generally be interpreted in accordance with the meaning as commonly understood by those skilled in the art (e.g.," a system having at least one of A, B and C "shall include, but not be limited to, a system having a alone, B alone, C alone, a and B together, a and C together, B and C together, and/or A, B, C together, etc.).

It should be noted that, a transaction method, an apparatus, an electronic device, a storage medium and a program product provided by an embodiment of the present disclosure relate to the field of information technology. The transaction method, apparatus, electronic device, storage medium and program product provided by the embodiments of the present disclosure may be applied to the field of financial technology or any field other than the field of financial technology. Embodiments of the present disclosure do not limit the application fields of the transaction method, apparatus, electronic device, storage medium, and program product.

In the technical scheme of the disclosure, the related processes of collecting, storing, using, processing, transmitting, providing, disclosing, applying and the like of the personal information of the user all conform to the regulations of related laws and regulations, necessary security measures are adopted, and the public order harmony is not violated.

Embodiments of the present disclosure provide a transaction method, including: acquiring a to-be-transferred transaction of a target account; the method comprises the steps of obtaining a consumption portrait of a target account stored in a buried point storage component, and constructing the consumption portrait after key information is extracted from the target account by the buried point component in each of the previous N transfer transactions; invoking a cold static period calculation interface, and judging whether the transaction to be transferred needs to enter a cold static period according to the transaction to be transferred and the consumption portraits; if yes, adding a thread to be transferred and setting a thread refreshing state of the thread to be transferred as a first state so as to delay the transaction to be transferred; n is a positive integer.

According to the transaction method, historical transfer transactions of the target account are obtained through the embedded point component, consumption figures of the target account are obtained in a summarizing mode, further, when the transfer is initiated by the target account, whether the transaction to be transferred initiated by the target account is matched with the consumption figures of the target account or not is judged through the packaged cold static period computing interface, and then whether the transaction to be transferred needs to enter the cold static period or not is determined according to a matching result. When the transaction to be transferred is abnormal and needs to enter a cold period, the transaction to be transferred can be delayed by adding the transaction thread to be transferred and setting the state, and when the user verifies that the transaction to be transferred is normal, the state of the transaction thread to be transferred can be directly modified, so that the transaction to be transferred is immediately executed. According to the transaction method, the consumption portrait is built through the embedded point component, whether the transaction to be transferred needs to enter the cold static period or not is calculated through the cold static period calculation interface, and therefore a fast processing speed and low calculation resource occupation can be achieved, transaction application (such as a mobile banking) in the mobile terminal can be adapted, risk protection capability of the transaction application in the mobile terminal is further improved, and property safety of a user is protected.

Fig. 1 schematically illustrates an application scenario diagram of a transaction method, apparatus, electronic device, storage medium and program product according to an embodiment of the present disclosure.

As shown in fig. 1, an application scenario 100 according to this embodiment may include terminal devices 101, 102, 103, a network 104, and a server 105. The network 104 is used as a medium to provide communication links between the terminal devices 101, 102, 103 and the server 105. The network 104 may include various connection types, such as wired, wireless communication links, or fiber optic cables, among others.

The user may interact with the server 105 via the network 104 using the terminal devices 101, 102, 103 to receive or send messages or the like. Various communication client applications, such as shopping class applications, web browser applications, search class applications, instant messaging tools, mailbox clients, social platform software, etc. (by way of example only) may be installed on the terminal devices 101, 102, 103.

The terminal devices 101, 102, 103 may be a variety of electronic devices having a display screen and supporting web browsing, including but not limited to smartphones, tablets, laptop and desktop computers, and the like.

The server 105 may be a server providing various services, such as a background management server (by way of example only) providing support for websites browsed by users using the terminal devices 101, 102, 103. The background management server may analyze and process the received data such as the user request, and feed back the processing result (e.g., the web page, information, or data obtained or generated according to the user request) to the terminal device.

It should be noted that, the transaction method provided by the embodiments of the present disclosure may be generally performed by the server 105 or the terminal devices 101, 102, 103. Accordingly, the transaction apparatus provided by the embodiments of the present disclosure may be generally provided in the server 105 or the terminal devices 101, 102, 103. The transaction methods provided by the embodiments of the present disclosure may also be performed by a server or cluster of servers other than server 105 and capable of communicating with terminal devices 101, 102, 103 and/or server 105. Accordingly, the transaction apparatus provided by the embodiments of the present disclosure may also be provided in a server or server cluster that is different from the server 105 and is capable of communicating with the terminal devices 101, 102, 103 and/or the server 105.

It should be understood that the number of terminal devices, networks and servers in fig. 1 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.

The transaction method of the disclosed embodiment will be described in detail with reference to fig. 2 to 7 based on the scenario described in fig. 1.

Fig. 2 schematically illustrates a flow chart of a transaction method according to an embodiment of the present disclosure.

As shown in fig. 2, the transaction method of this embodiment includes steps S210 to S230.

Although the steps in fig. 2 are shown in order as indicated by arrows, these steps are not necessarily performed in order as indicated by arrows. The steps are not strictly limited in order and may be performed in other orders, unless explicitly stated herein. Moreover, at least some of the steps in the figures may include multiple sub-steps or stages that are not necessarily performed at the same time, but may be performed at different times, or the order of their execution may not necessarily be sequential, but may be performed in rotation or alternating with at least some of the other steps or sub-steps of other steps.

In step S210, a transaction to be transferred of a target account is acquired.

In embodiments of the present disclosure, a target account may refer to an initiator of a transfer transaction, and accordingly, a corresponding transfer object, or may also be referred to as a payee, may also exist in a transfer transaction. For example, account a initiates a 10-membered transfer to account B, and then account a is the target account, 10-membered transfer initiated to account B is the transaction to be transferred, and account B is the transfer object.

In step S220, a consumer representation of the target account stored in the embedded point storage component is obtained, and the consumer representation is constructed after key information is extracted from the target account by the embedded point component in each of the previous N transfer transactions.

In the embodiment of the disclosure, a buried point component may be added at an application end or a server end, where the buried point component can extract key information from a transfer transaction when the transfer transaction is initiated each time, the key information may include account information, transfer amount, and the like, and further, consumption portraits of a target account are obtained by summarizing the information.

In step S230, a cold-static-period calculating interface is invoked, and whether the transaction to be transferred needs to enter a cold static period is determined according to the transaction to be transferred and the consumption portraits. If yes, adding a thread to be transferred and setting a thread refreshing state of the thread to be transferred as a first state so as to delay the transaction to be transferred. If not, adding a thread to be transferred and setting a thread refreshing state of the thread to be transferred as a second state so as to immediately execute the transaction to be transferred. Wherein N is a positive integer.

In an embodiment of the disclosure, the cold static period calculating program may be packaged as an HTTP interface, and when the cold static period calculating is performed, it may be determined whether the transaction to be transferred needs to enter the cold static period according to the matching degree (such as the matching degree of the transfer amount and/or the matching degree of the transfer frequency) of the transaction to be transferred and the consumption image of the target account, for example, when the matching degree of the transaction to be transferred and the consumption image of the target account is low, it is determined that the transaction to be transferred needs to enter the cold static period, and when the matching degree of the transaction to be transferred and the consumption image of the target account is high, it is determined that the transaction to be transferred does not need to enter the cold static period.

In the embodiment of the disclosure, delay or immediate execution of the transfer transaction is controlled by adding a thread and setting a thread state, when a thread refreshing state of the thread of the transfer transaction is set to be a first state, the thread of the transfer transaction is in a waiting mode, at this time, a prompt can be sent to a user to inform that the transaction to be transferred has high risk for the user to verify, and when the user confirms that the transaction has a problem, the transaction to be transferred can be cancelled, so that economic loss is avoided. Alternatively, the thread of the transaction to be transferred in the first state may be switched to the second state after the waiting time reaches the preset time or in response to a verification confirmation operation by the user, thereby executing the transaction to be transferred.

According to the transaction method, historical transfer transactions of the target account are obtained through the embedded point component, consumption figures of the target account are obtained in a summarizing mode, further, when the target account initiates transfer, whether the transaction to be transferred initiated by the target account is matched with the consumption figures of the target account or not is judged through the packaged cold static period computing interface, and then whether the transaction to be transferred is abnormal or not is determined according to a matching result so that the transaction to be transferred needs to enter the cold static period. When the transaction to be transferred is abnormal and needs to enter a cold period, the transaction to be transferred can be delayed by adding the transaction thread to be transferred and setting the state, and when the user verifies that the transaction to be transferred is normal, the state of the transaction thread to be transferred can be directly modified, so that the transaction to be transferred is immediately executed. The transaction method of the embodiment of the disclosure can delay the effective time of the transfer operation immediately when abnormal transfer occurs, thereby giving the user reaction time to decide whether to withdraw the transfer. Meanwhile, a consumption portrait is built through the embedded point assembly, whether the transaction to be transferred needs to enter a cold period or not is calculated through the cold period calculation interface, and therefore a faster processing speed and lower calculation resource occupation can be achieved, transaction application (such as a mobile phone bank) in the mobile terminal can be adapted, risk protection capability of the transaction application in the mobile terminal is further improved, and property safety of a user is protected.

The transaction method of the embodiments of the present disclosure is further described below with reference to fig. 2 through 7.

FIG. 3 schematically illustrates a flow diagram for building a consumer representation according to an embodiment of the present disclosure.

Referring to FIG. 3, in some embodiments, the step of constructing a consumer representation includes steps S310 through S340.

In step S310, the nth transfer transaction of the target account is acquired. N is less than or equal to N and is a positive integer.

In step S320, the transfer account number, the transfer amount, the transfer time are extracted from the nth transfer transaction, and when the cold-rest period calculation is triggered in the nth transfer transaction, it is acquired whether the cancel transfer operation is performed after the nth transfer transaction enters the cold-rest period.

In step S330, the extracted account number, amount, time and whether the transfer is cancelled are stored in the deposit information table according to the ID of the target account.

In step S340, a consumer representation is constructed from the buried point information table.

In an embodiment of the present disclosure, the nth transfer transaction may refer to any one of N transfer transactions before the current transfer transaction (i.e., the transfer-to-be-transferred transaction in step S210). For example, a buried point component may be configured to a related application (e.g., a mobile phone bank) of the mobile terminal, where the buried point component may extract a transfer account number, a transfer amount, and a transfer time each time a target account initiates a transfer transaction through the mobile phone bank, and further store the extracted transfer account number, transfer amount, and transfer time in a buried point information table for aggregation. Alternatively, when data is stored in the buried point information table, the storage time or transfer initiation time may be recorded so that the relevant records are extracted in time at the time of the subsequent step of constructing the consumer representation.

In the embodiment of the disclosure, after the transfer transaction enters the cold period, the user may choose to cancel the transfer transaction, so as to count whether the user has a behavior of frequently canceling the transfer transaction (e.g., the user may have a mechanism of delaying transaction accounting by using the cold period, etc.), and thus, the user may act as one of the basis for constructing the consumption portrait, so as to raise the attention degree of such behavior.

In the embodiment of the disclosure, the account transfer amount and account transfer time in the embedded point information table can be calculated, so that account transfer habits of users are analyzed, and a consumption portrait is constructed. In this way, a consumer representation data set for performing the cold-static calculation can be formed, and further, a label can be established for each account with the account as a dimension. And when the cold static period is calculated each time, extracting the consumption image of the corresponding account number from the data set. After judging whether the cold period is needed, the consumer portrait can be updated according to the judging result, so that the real-time performance of the data is ensured.

FIG. 4 schematically illustrates one of the flowcharts for constructing a consumer representation from a buried point information table, according to an embodiment of the present disclosure.

Referring to fig. 4, in some embodiments, step S340 includes steps S341 to S343.

In step S341, the record number of the transfer transaction with the operation time within the first preset period is obtained from the buried point information table, so as to obtain the transfer frequency of the target account, so as to obtain the first transfer frequency.

In step S342, transfer data of the transfer transaction of the operation time within the first preset time period is obtained from the buried point information table, and the maximum transfer amount of the target account within the first preset time period is extracted to obtain the first maximum transfer amount.

In step S343, the consumer portrait is constructed according to the first transfer frequency and the first maximum transfer amount.

In an embodiment of the present disclosure, the buried point information table may include fields of personal information (USERID), page information (curtagename), account number (AccountNo), transfer amount (Amt), and the like.

The first preset time may be determined according to actual needs, for example, the first preset time may be set to "one week" or "one month" or the like. In the buried point information table, key information obtained in each transfer transaction is used as a record, and the number of times of the transfer transaction can be determined by counting the number of records. Further, after the time period and the total number of times are both determined, the transfer frequency in the time period can be determined.

In the embodiment of the present disclosure, in addition to extracting the maximum transfer amount of the target account in the first preset time period, the average transfer amount of the target account in the first preset time period may be calculated to obtain the first average transfer amount, and in addition, in step S343, the consumption portrait of the target account may be constructed in a combined manner according to the first transfer frequency, the first maximum transfer amount, and the first average transfer amount.

For example, screening the data of the same account ID in the buried point information table, and inquiring the number of the data of the account in the database to obtain the transfer times. For another example, the time of operation time in the range of the month in the buried point information table is screened, and the transfer frequency can be obtained by inquiring the number of data in the range of the month. For another example, the transfer data of the operation time in the range of the present month in the buried point information table is filtered, and the average transfer amount in the group of data is calculated, so that the average transfer amount can be obtained. For example, the maximum transfer amount of the history can be obtained by selecting the value of the maximum transfer amount in the embedded point information table, and the maximum transfer amount of the history can be used as the second maximum transfer amount for constructing the consumption portrait of the target account.

Optionally, the consumer portrayal can be encapsulated into an HTTP interface, so as to improve call flexibility and call efficiency.

Fig. 5 schematically illustrates a flow chart of determining whether a cold rest period needs to be entered according to an embodiment of the present disclosure.

Referring to fig. 5, in some embodiments, step S230 includes steps S231 to S233.

In step S231, the transfer amount of the transaction to be transferred is acquired to obtain a first transfer amount.

In step S232, the number of times of the transfer transaction to be transferred and the transfer transaction within the second preset time period is accumulated to obtain the first transfer number of times, where the second preset time period includes a time when the transfer transaction to be transferred is initiated.

In step S233, if the first transfer amount is greater than the first maximum transfer amount and/or the first transfer number is greater than the first transfer frequency, it is determined that the transaction to be transferred needs to enter a cold period. Otherwise, it is determined that the transaction to be transferred does not need to enter a cold rest period.

For example, if the first transfer amount is greater than the first maximum transfer amount, it is determined that the transaction to be transferred needs to enter a cold stage. If the first transfer amount is less than or equal to the first maximum transfer amount, determining that the transaction to be transferred does not need to enter a cold stage. Or if the first transfer amount is smaller than or equal to the first maximum transfer amount, continuing to judge whether the first transfer number is larger than the first transfer frequency, and if the first transfer number is larger than the first transfer frequency, determining that the transaction to be transferred needs to enter a cold static period. Otherwise, it is determined that the transaction to be transferred does not need to enter a cold rest period. Of course, the above-mentioned judging order may be exchanged, and may be specifically determined according to actual needs, and is not limited herein.

In an embodiment of the present disclosure, the second preset time period may refer to a period of time including the current time period, for example, the second preset time period may refer to one month including the current time period, and a duration of the second preset time period may be specifically determined according to actual needs, which is not limited herein.

Optionally, when the transfer amount of the transaction to be transferred is higher than the first average transfer amount (for example, the average transfer amount per month), it may be determined that the transaction to be transferred needs to enter a cold period, otherwise, it is further determined whether the first transfer amount is greater than the first maximum transfer amount. Alternatively, performing a cold-rest calculation not passed when the transfer amount of the transaction to be transferred is higher than the first average transfer amount

FIG. 6 schematically illustrates a second flowchart of constructing a consumer representation from a buried point information table, according to an embodiment of the present disclosure.

Referring to fig. 6, in some embodiments, step S340 further includes step S344 and step S345.

In step S344, the transfer objects of the transfer transaction whose operation time is within the third preset period of time are extracted from the buried point information table to obtain the first transfer object set.

In step S345, the extracted transfer object is stored in the buried point information table according to the ID of the target account.

When there is no transfer object to be transferred for the transaction in the first transfer object set, step S230 further includes step S234. Otherwise, step S233 is performed.

In step S234, when the first transfer amount is greater than the second maximum transfer amount and/or the first transfer number is greater than the second transfer frequency, it is determined that the transaction to be transferred needs to enter a cold period. Wherein the second maximum transfer amount is less than the first maximum transfer amount and the second transfer frequency is less than the first transfer frequency.

In the embodiment of the disclosure, the identification of the strange account number is increased, that is, the transfer object of the transaction to be transferred never appears in the buried point information table, for this case, the calculation threshold of the cold static period calculation may be increased, for example, when the first maximum transfer amount is 1000 yuan, the second maximum transfer amount may be 500 yuan, and when the first transfer frequency is 30 times, the second transfer frequency may be 15 times. Therefore, when the account is faced with the strange account, the transaction to be transferred is easier to enter a cold static period, so that the risk prevention and control force of the strange account is improved.

Fig. 7 schematically illustrates a flow diagram for adding a thread of a transaction to be transferred, according to an embodiment of the disclosure.

Referring to fig. 7, in some embodiments, the steps of adding a thread of a transaction to be transferred and setting a thread refresh status of the thread of the transaction to be transferred to a first status to delay the transaction to be transferred include step S410 and step S420.

In step S410, when the thread refreshing state of the thread to be transferred is set to the first state, the refreshing time of the thread to be transferred is set to a preset time.

In step S420, when the duration of the to-be-transferred transaction thread in the first state reaches the preset time, the to-be-transferred transaction thread is executed to complete the to-be-transferred transaction.

In an embodiment of the present disclosure, the preset time may be determined according to actual needs, for example, the preset time may be set to 12 hours, that is, when a thread of a transaction to be transferred is created and the duration reaches 12 hours, the thread of the transaction to be transferred may be automatically executed to complete the transaction to be transferred.

Optionally, when it is determined that the transaction to be transferred needs to enter a cold period, the user can be prompted by the related application on the mobile terminal that the transfer operation is abnormal, suspected of fraudulent transfer, and informed that the transfer will take effect after 12 hours, and the transfer can be withdrawn at any time within 12 hours. The user may choose to withdraw the transfer or immediately execute the transfer after verification confirmation.

Alternatively, a pre-step of immediately performing the transfer may be added for different user groups. For example, when facing the aged population prone to fraud, the transaction to be transferred can be subjected to risk identification, and according to the identification result, the user is selected to be subjected to transfer confirmation operation through manual service or intelligent robot intervention, so that risk prevention and control strength is improved. For another example, whether the transfer object belongs to a preset blacklist may be checked, and if the transfer object belongs to the blacklist, risk notification may be performed to the user by selecting manual service or intelligent robot intervention.

If the user cancels the transaction to be transferred, the thread refreshing state of the thread to be transferred is switched to a second state so as to cancel the transfer. And if the user executes the immediate transfer, executing the transaction thread to be transferred immediately, and performing transfer operation. And calling a buried point component after the transfer is completed, updating a buying point information table of the user (or the target account), and updating the consumption portrait of the user according to the updating result.

The embodiment of the disclosure can provide a mobile phone bank fraud prevention method based on a cold static period, by the method, whether a user needs to enter the cold static period or not can be judged when transferring, if the transfer operation fails to pass the calculation of the cold static period, fraud prevention monitoring alarm of the mobile phone bank is triggered, the transfer is temporarily stopped, the transfer is delayed to take effect, and meanwhile, a user can operate by himself to transfer immediately after knowing the fraud risk. By the method, a fraud prevention system of the mobile phone bank can be perfected, and properties of users are protected.

Based on the transaction method, the disclosure further provides a transaction device. The device will be described in detail below in connection with fig. 8.

Fig. 8 schematically shows a block diagram of a transaction device according to an embodiment of the present disclosure.

As shown in fig. 8, the transaction apparatus 800 of this embodiment includes a first acquisition module 810, a second acquisition module 820, and a first processing module 830.

The first acquiring module 810 is configured to acquire a transaction to be transferred of a target account. In an embodiment, the first obtaining module 810 may be configured to perform the step S210 described above, which is not described herein.

The second obtaining module 820 is configured to obtain a consumption portrait of the target account stored in the embedded point storage component, where the consumption portrait is constructed by extracting key information from the target account by the embedded point component during each of the previous N transfer transactions. Wherein N is a positive integer. In an embodiment, the second obtaining module 820 may be used to perform the step S220 described above, which is not described herein.

The first processing module 830 is configured to invoke a cold-static-period computing interface, and determine, according to the transaction to be transferred and the consumption portrait, whether the transaction to be transferred needs to enter a cold static period; if yes, adding a thread to be transferred and setting a thread refreshing state of the thread to be transferred as a first state so as to delay the transaction to be transferred. In an embodiment, the first processing module 830 may be configured to perform the step S230 described above, which is not described herein.

According to embodiments of the present disclosure, any of the plurality of modules of the first acquisition module 810, the second acquisition module 820, and the first processing module 830 may be combined in one module to be implemented, or any of the plurality of modules may be split into a plurality of modules. Alternatively, at least some of the functionality of one or more of the modules may be combined with at least some of the functionality of other modules and implemented in one module. According to embodiments of the present disclosure, at least one of the first acquisition module 810, the second acquisition module 820, and the first processing module 830 may be implemented at least in part as hardware circuitry, such as a Field Programmable Gate Array (FPGA), a Programmable Logic Array (PLA), a system on a chip, a system on a substrate, a system on a package, an Application Specific Integrated Circuit (ASIC), or may be implemented in hardware or firmware in any other reasonable way of integrating or packaging circuitry, or in any one of or a suitable combination of three of software, hardware, and firmware. Alternatively, at least one of the first acquisition module 810, the second acquisition module 820, and the first processing module 830 may be at least partially implemented as a computer program module, which when executed, may perform the corresponding functions.

In the embodiment of the disclosure, historical transfer transactions of a target account are obtained through a buried point component, consumption figures of the target account are obtained in a summarizing mode, further, when the transfer is initiated by the target account, whether the transfer transactions initiated by the target account are matched with the consumption figures of the target account or not is judged through a packaged cold static period calculation interface, and then whether the transfer transactions are abnormal or not is determined according to a matching result so that the transfer transactions need to enter the cold static period. When the transaction to be transferred is abnormal and needs to enter a cold period, the transaction to be transferred can be delayed by adding the transaction thread to be transferred and setting the state, and when the user verifies that the transaction to be transferred is normal, the state of the transaction thread to be transferred can be directly modified, so that the transaction to be transferred is immediately executed. The transaction method of the embodiment of the disclosure can delay the effective time of the transfer operation immediately when abnormal transfer occurs, thereby giving the user reaction time to decide whether to withdraw the transfer. Meanwhile, a consumption portrait is built through the embedded point assembly, whether the transaction to be transferred needs to enter a cold period or not is calculated through the cold period calculation interface, and therefore a faster processing speed and lower calculation resource occupation can be achieved, transaction application (such as a mobile phone bank) in the mobile terminal can be adapted, risk protection capability of the transaction application in the mobile terminal is further improved, and property safety of a user is protected.

In some embodiments, the step of constructing the consumer representation comprises:

acquiring an nth transfer transaction of the target account;

and N is less than or equal to N and is a positive integer.

In some embodiments, said constructing said consumer representation from said buried point information table comprises:

In some embodiments, the calling the cold quiet period calculation interface, according to the transaction to be transferred and the consumption portrait, determines whether the transaction to be transferred needs to enter a cold quiet period, including:

In some embodiments, the constructing the consumption portrait according to the buried point information table further includes:

In some embodiments, the adding a thread of the transaction to be transferred and setting a thread refreshing state of the thread of the transaction to be transferred to a first state to delay the transaction to be transferred includes;

The embodiment of the disclosure can provide a mobile phone bank fraud prevention device based on a cold static period, through the device, whether a user needs to enter the cold static period when transferring accounts can be judged, if the operation of the transfer fails to pass through the calculation of the cold static period, fraud prevention monitoring alarm of the mobile phone bank is triggered, the transfer is temporarily stopped, the transfer is delayed to take effect, and meanwhile, a customer can operate by himself to transfer immediately after knowing the fraud risk. By the method, a fraud prevention system of the mobile phone bank can be perfected, and properties of users are protected.

As shown in fig. 9, an electronic device 900 according to an embodiment of the present disclosure includes a processor 901 that can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM) 902 or a program loaded from a storage portion 908 into a Random Access Memory (RAM) 903. The processor 901 may include, for example, a general purpose microprocessor (e.g., a CPU), an instruction set processor and/or an associated chipset and/or a special purpose microprocessor (e.g., an Application Specific Integrated Circuit (ASIC)), or the like. Processor 901 may also include on-board memory for caching purposes. Processor 901 may include a single processing unit or multiple processing units for performing the different actions of the method flows according to embodiments of the present disclosure.

In the RAM 903, various programs and data necessary for the operation of the electronic device 900 are stored. The processor 901, the ROM 902, and the RAM 903 are connected to each other by a bus 904. The processor 901 performs various operations of the method flow according to the embodiments of the present disclosure by executing programs in the ROM 902 and/or the RAM 903. Note that the program may be stored in one or more memories other than the ROM 902 and the RAM 903. The processor 901 may also perform various operations of the method flow according to embodiments of the present disclosure by executing programs stored in the one or more memories.

According to an embodiment of the disclosure, the electronic device 900 may also include an input/output (I/O) interface 905, the input/output (I/O) interface 905 also being connected to the bus 904. The electronic device 900 may also include one or more of the following components connected to the I/O interface 905: an input section 906 including a keyboard, a mouse, and the like; an output portion 907 including a display such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and a speaker; a storage portion 908 including a hard disk or the like; and a communication section 909 including a network interface card such as a LAN card, a modem, or the like. The communication section 909 performs communication processing via a network such as the internet. The drive 910 is also connected to the I/O interface 905 as needed. A removable medium 911 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is installed as needed on the drive 910 so that a computer program read out therefrom is installed into the storage section 908 as needed.

The present disclosure also provides a computer-readable storage medium that may be embodied in the apparatus/device/system described in the above embodiments; or may exist alone without being assembled into the apparatus/device/system. The computer-readable storage medium carries one or more programs which, when executed, implement a transaction method according to embodiments of the present disclosure.

According to embodiments of the present disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium, which may include, for example, but is not limited to: a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the context of this disclosure, a computer-readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. For example, according to embodiments of the present disclosure, the computer-readable storage medium may include ROM 902 and/or RAM 903 and/or one or more memories other than ROM 902 and RAM 903 described above.

Embodiments of the present disclosure also include a computer program product comprising a computer program containing program code for performing the methods shown in the flowcharts. The program code, when executed in a computer system, causes the computer system to implement the transaction methods provided by embodiments of the present disclosure.

The above-described functions defined in the system/apparatus of the embodiments of the present disclosure are performed when the computer program is executed by the processor 901. The systems, apparatus, modules, units, etc. described above may be implemented by computer program modules according to embodiments of the disclosure.

In one embodiment, the computer program may be based on a tangible storage medium such as an optical storage device, a magnetic storage device, or the like. In another embodiment, the computer program may also be transmitted, distributed, and downloaded and installed in the form of a signal on a network medium, via communication portion 909, and/or installed from removable medium 911. The computer program may include program code that may be transmitted using any appropriate network medium, including but not limited to: wireless, wired, etc., or any suitable combination of the foregoing.

In such an embodiment, the computer program may be downloaded and installed from the network via the communication portion 909 and/or installed from the removable medium 911. The above-described functions defined in the system of the embodiments of the present disclosure are performed when the computer program is executed by the processor 901. The systems, devices, apparatus, modules, units, etc. described above may be implemented by computer program modules according to embodiments of the disclosure.

According to embodiments of the present disclosure, program code for performing computer programs provided by embodiments of the present disclosure may be written in any combination of one or more programming languages, and in particular, such computer programs may be implemented in high-level procedural and/or object-oriented programming languages, and/or assembly/machine languages. Programming languages include, but are not limited to, such as Java, c++, python, "C" or similar programming languages. The program code may execute entirely on the user's computing device, partly on the user's device, partly on a remote computing device, or entirely on the remote computing device or server. In the case of remote computing devices, the remote computing device may be connected to the user computing device through any kind of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or may be connected to an external computing device (e.g., connected via the Internet using an Internet service provider).

The flowcharts and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.

Those skilled in the art will appreciate that the features recited in the various embodiments of the disclosure and/or in the claims may be provided in a variety of combinations and/or combinations, even if such combinations or combinations are not explicitly recited in the disclosure. In particular, the features recited in the various embodiments of the present disclosure and/or the claims may be variously combined and/or combined without departing from the spirit and teachings of the present disclosure. All such combinations and/or combinations fall within the scope of the present disclosure.

The embodiments of the present disclosure are described above. However, these examples are for illustrative purposes only and are not intended to limit the scope of the present disclosure. Although the embodiments are described above separately, this does not mean that the measures in the embodiments cannot be used advantageously in combination. The scope of the disclosure is defined by the appended claims and equivalents thereof. Various alternatives and modifications can be made by those skilled in the art without departing from the scope of the disclosure, and such alternatives and modifications are intended to fall within the scope of the disclosure.

Claims

1. A method of trading, comprising:

acquiring a to-be-transferred transaction of a target account;

And N is a positive integer.

2. The transaction method according to claim 1, wherein the step of constructing the consumer representation comprises:

acquiring an nth transfer transaction of the target account;

and N is less than or equal to N and is a positive integer.

3. The transaction method according to claim 2, wherein constructing the consumer representation from the buried point information table includes:

4. The transaction method according to claim 3, wherein the calling the cold-static-period calculation interface to determine whether the transaction to be transferred needs to enter a cold static period according to the transaction to be transferred and the consumption portrayal includes:

5. The transaction method according to claim 4, wherein the constructing the consumer representation from the buried point information table further comprises:

6. The transaction method according to claim 1, wherein adding a thread of a transaction to be transferred and setting a thread refresh state of the thread of the transaction to be transferred to a first state to delay the transaction to be transferred includes;

7. A transaction device, comprising:

wherein N is a positive integer.

8. An electronic device, comprising:

one or more processors;

storage means for storing one or more programs,

wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to perform the transaction method of any of claims 1-6.

9. A computer readable storage medium having stored thereon executable instructions which when executed by a processor cause the processor to perform the transaction method according to any of claims 1 to 6.

10. A computer program product comprising a computer program which, when executed by a processor, implements the transaction method according to any one of claims 1 to 6.