CN117611177A - Data exception handling method, device, equipment, system and storage medium - Google Patents

Data exception handling method, device, equipment, system and storage medium Download PDF

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CN117611177A
CN117611177A CN202311651215.5A CN202311651215A CN117611177A CN 117611177 A CN117611177 A CN 117611177A CN 202311651215 A CN202311651215 A CN 202311651215A CN 117611177 A CN117611177 A CN 117611177A
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message
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文韬
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Agricultural Bank of China
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    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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    • G06Q20/401—Transaction verification
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    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking

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Abstract

The application provides a data exception handling method, a device, equipment, a system and a storage medium, wherein when a transaction initiator initiates a transaction, transaction data are acquired, the transaction data are matched with preset conditions, if the transaction data are matched with the preset conditions, the exception of the transaction is confirmed, and an exception prompt is carried out on a reserved contact party corresponding to the transaction initiator through abundant user interaction capability of 5G message service; in order to further reduce risk, the emergency response center uses the 5G message service to conduct interactive operation with a reserved contact corresponding to the transaction initiator so as to prompt the transaction initiator; meanwhile, the emergency response center sends an abnormal prompt to the customer service center, so that the reserved contact party corresponding to the transaction initiator of the customer center confirms the transaction again, and the risk is further reduced, so that the reserved contact party corresponding to the transaction initiator is prompted in various modes rapidly when the transaction is initiated, the timeliness and the credibility of the abnormal prompt are improved, and further the loss of a user is reduced.

Description

Data exception handling method, device, equipment, system and storage medium
Technical Field
The present disclosure relates to the field of communications technologies, and in particular, to a method, an apparatus, a device, a system, and a storage medium for processing data anomalies.
Background
With the continuous development of economy, financial services are widely expanded, and various financial products and services represent vigorous development situations. Meanwhile, as the information amount in the financial field is large, various financial transactions are more and more complex, and the possibility of abnormality in the transaction process is increased.
If an abnormality occurs in the transaction process, for example, financial fraud exists in the transaction, the information of the user is revealed, and great loss is brought to the user. It is therefore a significant issue how to deal with anomalies in the transaction process in time.
Disclosure of Invention
The application provides a data exception handling method, a device, equipment, a system and a storage medium, and a user is prompted in time when a transaction is abnormal.
In a first aspect, the present application provides a data exception handling method, including:
when a transaction initiator initiates a transaction, transaction data are acquired, and the transaction data are matched with preset conditions;
if the transaction data is matched with the preset condition, confirming that the transaction is abnormal, sending an abnormal prompt to a reserved contact corresponding to the transaction initiator through a 5G message, and sending the abnormal prompt to an emergency response center, wherein the emergency response center performs interactive operation with the reserved contact through the 5G message and sends the abnormal prompt to a customer service center, so that the customer service center performs confirmation operation with the reserved contact.
Optionally, when the transaction initiator initiates the transaction, acquiring transaction data specifically includes:
when a transaction initiator initiates a transaction, transaction data is acquired through gateway equipment.
Optionally, before matching the transaction data with the preset condition, the method further includes:
preset conditions are preset and stored locally.
Optionally, after the preset condition is preset, the method further includes:
and modifying, adding and deleting at least one of the preset conditions.
Optionally, the method further comprises:
and sending an exception prompt to the transaction initiator through a 5G message.
In a second aspect, the present application provides a data exception handling apparatus, the apparatus comprising:
the first processing module is used for acquiring transaction data and matching the transaction data with preset conditions when a transaction initiator initiates a transaction;
and the second processing module is used for confirming that the transaction is abnormal if the transaction data is matched with the preset condition, sending an abnormal prompt to a reserved contact party corresponding to the transaction initiator through a 5G message, and sending the abnormal prompt to an emergency response center, wherein the emergency response center performs interactive operation with the reserved contact party through the 5G message and sends the abnormal prompt to a customer service center so as to enable the customer service center to perform confirmation operation with the reserved contact party.
In a third aspect, the present application provides an electronic device, comprising: a memory and a processor;
the memory is used for storing instructions; the processor is configured to invoke instructions in the memory to perform the data exception handling method of the first aspect and any of the possible designs of the first aspect.
In a fourth aspect, the present application provides a data exception handling system, including:
the system comprises a processing system, an emergency response center and a customer service center;
when the transaction initiator initiates a transaction, the processing system acquires transaction data and matches the transaction data with preset conditions; if the transaction data is matched with the preset condition, determining that the transaction is abnormal; initiating an abnormal prompt to a reserved contact party corresponding to the transaction initiator through a 5G message, and sending the abnormal prompt to an emergency response center;
the emergency response center performs interactive operation with the reserved contact party through a 5G message and sends the abnormal prompt to a customer service center;
and the customer service center performs confirmation operation with the reserved contact party.
Optionally, the method further comprises: gateway equipment and transaction systems;
the gateway equipment is used for acquiring transaction data and sending the transaction data to the gateway equipment and the transaction system when the transaction initiator initiates a transaction;
the gateway device is used for sending the transaction data to the processing system;
the transaction system is used for conducting transaction processing.
In a fifth aspect, the present application provides a computer readable storage medium having stored therein computer instructions which, when executed by at least one processor of an electronic device, perform the data exception handling method of the first aspect and any of the possible designs of the first aspect.
In a sixth aspect, the present application provides a computer program product comprising computer instructions which, when executed by at least one processor of an electronic device, perform the method of data exception handling in any of the first aspect and the possible designs of the first aspect.
According to the data exception handling method, device, equipment, system and storage medium, when a transaction initiator initiates a transaction, transaction data are acquired, the transaction data are matched with preset conditions, if the transaction data are matched with the preset conditions, the fact that the transaction is abnormal is confirmed, an exception prompt is sent to a reserved contact party corresponding to the transaction initiator and an emergency response center through a 5G message, the emergency response center performs interactive operation with the reserved contact party corresponding to the transaction initiator through the 5G message, and sends the exception prompt to a customer service center, and the customer service center performs confirmation operation with the reserved contact party corresponding to the transaction initiator. According to the scheme, when the transaction is abnormal, abnormal prompt is carried out on the reserved contact party corresponding to the transaction initiator through the abundant user interaction capability of the 5G message service; in order to further reduce risk, the emergency response center uses the 5G message service to conduct interactive operation with a reserved contact corresponding to the transaction initiator so as to prompt the transaction initiator; meanwhile, the emergency response center sends an abnormal prompt to the customer service center, so that the reserved contact party corresponding to the transaction initiator of the customer center confirms the transaction again, and the risk is further reduced, so that the reserved contact party corresponding to the transaction initiator is prompted in various modes rapidly when the transaction is initiated, the timeliness and the credibility of the abnormal prompt are improved, and further the loss of a user is reduced.
Drawings
For a clearer description of the present application or of the prior art, the drawings that are used in the description of the embodiments or of the prior art will be briefly described, it being apparent that the drawings in the description below are some of the embodiments of the present application, and that other drawings may be obtained from these drawings without inventive effort for a person skilled in the art.
Fig. 1 is a schematic view of a scenario of a data exception handling method according to an embodiment of the present application;
FIG. 2 is a flowchart of a method for processing data exceptions according to an embodiment of the present disclosure;
FIG. 3 is a signaling interaction diagram of a data exception handling method according to an embodiment of the present disclosure;
FIG. 4 is a schematic diagram of a data exception handling apparatus according to an embodiment of the present disclosure;
fig. 5 is a schematic hardware structure of an electronic device according to an embodiment of the present application;
fig. 6 is a schematic structural diagram of a data exception handling system according to an embodiment of the present application.
Detailed Description
For the purposes of making the objects, technical solutions and advantages of the present application more apparent, the technical solutions in the present application will be clearly and completely described below with reference to the drawings in the present application, and it is apparent that the described embodiments are some, but not all, embodiments of the present application. All other embodiments, which can be made by one of ordinary skill in the art without inventive effort, are intended to be within the scope of the present application based on the embodiments herein.
In order to facilitate understanding of the aspects of the present application, the terms mentioned in the present application are explained as follows:
5G message: english is called 5G Messaging, which is a new generation of communication services developed based on 5G communication technology. Compared with the prior 2G short messages, multimedia messages and the like, the 5G message has the characteristics of higher bandwidth, faster transmission speed, lower time delay, better network coverage range and the like, can support more terminal equipment and scene applications, and can provide richer services and service experience.
Intelligent anti-fraud: english is called Intelligent Anti-Fraud, which is a novel Anti-Fraud method for identifying and preventing Fraud by utilizing advanced technologies such as Intelligent, big data analysis, machine learning and the like. The intelligent anti-fraud system can realize real-time monitoring and analysis of various fraud behaviors such as network fraud, financial fraud, telecommunication fraud and the like, automatically identify fraud modes and risk signals, reduce fraud loss and user information leakage risk, improve network security, user trust and the like. Intelligent anti-fraud technology has gradually become an important security precaution in the fields of finance, telecommunications, internet and the like.
2G short message: english is called 2G Short Message Service, is a short message transmission service based on the second generation mobile communication technology, the communication protocol used by the short message is the global system for mobile communication (Global System for Mobile Communications, GSM) protocol, and is a point-to-point text information transmission mode.
Financial fraud: refers to the act of obtaining an improper benefit from the other party in the financial field by means of fraud, false statement, misdirection, etc. Financial fraud can result in direct or indirect economic loss to the victim and may even jeopardize the stability of the entire financial hierarchy.
As described in the background art, if an abnormality occurs in the transaction process, for example, financial fraud exists in the transaction, the user information is revealed, which causes a great loss to the user.
At present, after a transaction initiator initiates a financial transaction, transaction information is sent to a financial transaction background, and simultaneously transaction flow is copied/synchronized to an intelligent anti-fraud system, and the intelligent anti-fraud system prompts the transaction initiator by means of post telephone confirmation or in-process 2G short message prompt and the like when abnormality is found.
However, the risk of rapid convergence of the phone confirmation after that time, resulting in a loss of control for the user; the 2G short message is easy to hijack and easy to be intercepted by a fake base station, so that the trust degree of the client to the 2G short message is lower.
In view of the above problems, the present application proposes a data exception handling method, in which transaction data is obtained during a transaction process, when the transaction data is abnormal, an exception prompt is sent to a reserved contact party and an emergency response center corresponding to a transaction initiator through a 5G message, the emergency response center performs interactive operation with the reserved contact party corresponding to the transaction initiator through the 5G message and sends the exception prompt to a customer service center, so that a customer center performs confirmation operation with the reserved contact party corresponding to the transaction initiator, and prompts the reserved contact party corresponding to the transaction initiator through a plurality of channels based on the 5G message during the transaction process, thereby improving timeliness and reliability of the prompt and further reducing loss of a user.
The technical scheme of the present application is described in detail below with specific examples. The following embodiments may be combined with each other, and some embodiments may not be repeated for the same or similar concepts or processes.
Fig. 1 is a schematic view of a scenario of a data exception handling method according to an embodiment of the present application. When a transaction initiator 101 initiates a transaction through a client 102, a gateway device 103 collects transaction data and sends the transaction flow to a financial transaction background 104, and copies the transaction flow to an intelligent anti-fraud system 105, the intelligent anti-fraud system 105 matches the transaction with rules in an anti-fraud rule base, if any rule is matched, a risk prompt is sent to a reserved contact party 109 corresponding to the transaction initiator through a 5G message system 106, and meanwhile, an abnormal prompt is sent to an emergency response center 107, the emergency response center 107 performs interactive operation with the reserved contact party 109 corresponding to the transaction initiator through the 5G message system 106 after receiving the abnormal prompt, guides the reserved contact party 109 corresponding to the transaction initiator to limit the transaction, and sends the abnormal prompt to a customer service center 108, and the customer service center 108 performs confirmation operation with the reserved contact party 109 corresponding to the transaction initiator after receiving the abnormal prompt, so that occurrence of an event is prevented through the intelligent anti-fraud system 105, the emergency response center 107 and the customer service center 108 confirm with the reserved contact party 109 corresponding to the transaction initiator based on 5G messages, and user loss is reduced.
Fig. 2 is a flowchart of a method for data anomaly data according to an embodiment of the present application. On the basis of the embodiment shown in fig. 1, as shown in fig. 2, with the electronic device as an execution body, the method of this embodiment may include the following steps:
s101, when a transaction initiator initiates a transaction, transaction data are acquired, and the transaction data are matched with preset conditions.
In some embodiments, upon initiation of a transaction by a transaction initiator, the gateway device obtains transaction data, and the transaction data is sent to the electronic device, i.e., the transaction data is obtained from the gateway device, to quickly obtain the transaction data. After the transaction data is obtained, the transaction data is matched with preset conditions, which can be understood as abnormal conditions of the data. Transaction data is obtained, for example, by a transaction route, where a transaction route refers to a selection of an appropriate transaction channel by a user during a transaction or by a payment system according to the principles of low rate cost, high success rate, compliance.
In other embodiments, upon initiation of a transaction by a transaction initiator, the gateway device obtains transaction data and transmits the transaction data to a transaction background from which the electronic device obtains the transaction data. The transaction background is used for conducting transaction processing according to transaction data, for example, when the transaction data is data corresponding to transfer transaction, the transaction processing is transfer or transfer-impossible, and when the transaction data is data corresponding to remittance transaction, the transaction number is remittance or remittance impossible.
In practical applications, the electronic device may be an intelligent anti-fraud system, where the intelligent anti-fraud system determines, after obtaining the transaction data through the gateway device, whether the transaction hits an anti-fraud rule according to the transaction data.
In some embodiments, preset conditions are preset and stored locally to quickly match the transaction data to the preset conditions after the transaction data is acquired. For example, the preset condition may be an anti-fraud rule.
In some embodiments, the preset conditions may be modified, added and/or deleted, so as to adjust the preset conditions in time according to actual situations, so that whether the transaction data is abnormal or not can be more accurately determined.
S102, if the transaction data are matched with preset conditions, confirming that the transaction is abnormal, sending an abnormal prompt to a reserved contact corresponding to the transaction initiator and an emergency response center through a 5G message, and enabling the emergency response center to conduct interactive operation with the reserved contact corresponding to the transaction initiator through the 5G message and sending the abnormal prompt to a customer service center so that the customer service center and the reserved contact corresponding to the transaction initiator conduct confirmation operation.
In the embodiment of the application, when transaction data are matched with preset conditions, abnormal transaction is confirmed, the electronic equipment carries out abnormal prompt on the reserved contact corresponding to the transaction initiator through the abundant user interaction capability of the 5G message service, and in order to further reduce risks, the abnormal prompt is sent to the emergency response center, so that the reserved contact corresponding to the transaction initiator is guided to carry out the confirmation of risk control operation through the emergency response center by using the 5G message service, and meanwhile, the emergency response center also confirms whether high-risk wind control operation is carried out or not again through the second channel customer service center to the reserved contact corresponding to the transaction initiator, timeliness and credibility of prompt are improved, and loss of users is further reduced.
In practical application, when the electronic equipment is an intelligent anti-fraud system, if the intelligent anti-fraud system detects that the transaction data is matched with the anti-fraud rule, an abnormal prompt is sent to a reserved contact corresponding to the transaction initiator through a 5G message. The intelligent anti-fraud system is used as a novel technical means, can effectively detect and prevent financial fraud risks, combines the strong client side display capability of the 'light client side' 5G message, can effectively detect and prevent financial fraud risks, and does the work of anti-fraud prompt/reminding under the condition of not affecting client experience. Specifically, the intelligent anti-fraud system identifies and predicts the behavior mode of the client through collecting, analyzing and modeling the client data, discovers potential fraud in time, and prevents fraud events in time through abundant prompt information of 5G messages. Meanwhile, the system can quickly discover financial fraud such as abnormal transactions, abnormal fund flows and the like through an automatic identification and detection system, and interact with clients in advance in the suspected fraudulent transaction process by utilizing a 5G message rich interaction mode, so that the control is performed in the initial risk period, and the risk of the client fund fraud is reduced at maximum efficiency.
In order to further reduce the risk, the intelligent anti-fraud system also sends an abnormal prompt to the emergency response center, and confirms whether the transaction initiator is a reserved contact corresponding to the transaction account or a user authorized by the reserved contact through the emergency response center by using a 5G message service, or guides the reserved contact corresponding to the transaction initiator to verify the transaction initiator so as to further limit the account, funds and transaction through the verification operation of the reserved contact, such as limiting the transaction or freezing the account.
After the emergency response center receives the abnormal prompt, the emergency response center can also confirm the emergency response center again through the reserved contact persons corresponding to the transaction initiator, so that the loss of the user is controlled to the maximum extent, and the risk is reduced.
It should be noted that the air control alarm based on the 5G message has obvious advantages compared with the traditional 2G short message and telephone customer service. The safety of the 5G message communication protocol is obviously higher than that of a 2G traditional short message, and the high-credibility protocol and rich interaction capability can fully inform reserved contacts of abnormal prompts. And the 5G message provides rich C/S interaction capability, so that the financial institution emergency response center can better guide the user to actively control the risk, and the user can process/solve the risk more quickly and efficiently according to the guidance under the abnormal transaction condition. In addition, after the emergency response center preliminarily completes the wind control operation of accounts, funds and transactions with the user through the 5G message system, the user's assets are quickly preserved, and the emergency response center confirms with the user again through the second channel, so that risks are further reduced.
In some embodiments, when the transaction data matches the preset condition, an exception prompt may also be sent to the transaction initiator through a 5G message, and it may be understood that when the transaction initiator is a reserved contact, the reserved contact may be reminded, and when the transaction initiator is not a reserved contact, the transaction initiator may be alerted to prevent the transaction in time when the transaction is abnormal.
According to the data exception processing method, when the transaction is abnormal, the reserved contact corresponding to the transaction initiator is prompted abnormally through the abundant user interaction capability of the 5G message service; in order to further reduce risk, the emergency response center uses the 5G message service to conduct interactive operation with a reserved contact corresponding to the transaction initiator so as to prompt the transaction initiator; meanwhile, the emergency response center sends an abnormal prompt to the customer service center, so that the reserved contact party corresponding to the transaction initiator of the customer center confirms the transaction again, and the risk is further reduced, so that the reserved contact party corresponding to the transaction initiator is prompted in various modes rapidly when the transaction is initiated, timeliness and credibility of the prompt are improved, and further loss of a user is reduced.
Fig. 3 shows a flowchart of a method for data anomaly data according to an embodiment of the present application. As shown in fig. 3, taking the intelligent anti-fraud system as an execution subject, the method of the present embodiment may include the following steps:
s201, the intelligent anti-fraud system presets anti-fraud rules and stores the rules locally.
For example, the intelligent anti-fraud system sets anti-fraud rules according to specific situations and stores the anti-fraud rules locally so as to acquire the anti-fraud rules in time.
S202, the transaction initiator initiates a transaction.
For example, the transaction initiator may initiate the transaction after logging into the account.
S203, the gateway equipment acquires transaction data and sends the transaction data to the intelligent anti-fraud system and the financial transaction background.
By way of example, the transaction data may include a transaction amount, a payment account number, a collection account number, and the like.
S204, the intelligent anti-fraud system matches the transaction data with anti-fraud rules.
S205, if the transaction data is matched with the anti-fraud rule, an abnormal prompt is sent to a reserved contact corresponding to the transaction initiator through a 5G message, and meanwhile, the abnormal prompt is sent to an emergency response center.
For example, an exception prompt may be sent to the emergency response center by telephone.
S206, the emergency response center performs interactive operation with the reserved contact corresponding to the transaction initiator through the 5G message, and meanwhile, sends an abnormal prompt to the customer service center.
By way of example, interaction with the user is achieved through the 5G message, risk control is achieved according to actual operation of the user, and user experience is improved. And may also send an exception prompt to the customer center via telephone.
S207, the customer service center performs confirmation operation on the reserved contact corresponding to the transaction initiator.
The method and the system have the advantages that the reserved contact party corresponding to the transaction party is directly prompted, and the manual guiding/assisting processing is quickly accessed while the emergency response interaction processing is performed, so that the anti-fraud overall business processing efficiency and level are improved.
S208, the financial transaction background processes the transaction.
For example, after the user is prompted in the above manner, if the transaction is blocked, the financial transaction background cannot proceed with the transaction.
According to the data exception processing method, when transaction data are matched with anti-fraud rules, an intelligent anti-fraud system carries out exception prompt on reserved contact parties corresponding to transaction sponsors through abundant user interaction capability of 5G message services; in order to further reduce risk, the emergency response center uses the 5G message service to conduct interactive operation with a reserved contact corresponding to the transaction initiator so as to prompt the transaction initiator; meanwhile, the emergency response center sends an abnormal prompt to the customer service center, so that the reserved contact party corresponding to the transaction initiator of the customer center confirms the transaction again, and the risk is further reduced, so that the reserved contact party corresponding to the transaction initiator is prompted in various modes rapidly when the transaction is initiated, timeliness and credibility of the prompt are improved, and further loss of a user is reduced.
Fig. 4 is a schematic structural diagram of a data exception handling apparatus according to an embodiment of the present application, as shown in fig. 4, a data exception handling apparatus 10 according to the present embodiment is configured to implement operations corresponding to an electronic device in any of the above method embodiments, where the data exception handling apparatus 10 according to the present embodiment includes:
the first processing module 11 is configured to obtain transaction data and match the transaction data with a preset condition when a transaction initiator initiates a transaction;
and the second processing module 12 is configured to confirm that the transaction is abnormal if the transaction data matches with the preset condition, send an abnormal prompt to a reserved contact corresponding to the transaction initiator through a 5G message, and send the abnormal prompt to the emergency response center, where the emergency response center performs interactive operation with the reserved contact through the 5G message and sends the abnormal prompt to the customer service center, so that the customer service center performs confirmation operation with the reserved contact.
The data exception handling apparatus 10 provided in the embodiment of the present application may execute the above-mentioned method embodiment, and the specific implementation principle and technical effects of the method embodiment may be referred to the above-mentioned method embodiment, which is not described herein again.
Fig. 5 shows a schematic hardware structure of an electronic device according to an embodiment of the present application. As shown in fig. 6, the electronic device 20, configured to implement operations corresponding to the electronic device in any of the above method embodiments, the electronic device 20 of this embodiment may include: a memory 21, a processor 22 and a communication interface 23.
A memory 21 for storing computer instructions. The Memory 21 may include a high-speed random access Memory (Random Access Memory, RAM), and may further include a Non-Volatile Memory (NVM), such as at least one magnetic disk Memory, and may also be a U-disk, a removable hard disk, a read-only Memory, a magnetic disk, or an optical disk.
A processor 22 for executing computer instructions stored in the memory to implement the data exception handling method in the above-described embodiment. Reference may be made in particular to the relevant description of the embodiments of the method described above. The processor 22 may be a central processing unit (Central Processing Unit, CPU), but may also be other general purpose processors, digital signal processors (Digital Signal Processor, DSP), application specific integrated circuits (Application Specific Integrated Circuit, ASIC), etc. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like. The steps of a method disclosed in connection with the present invention may be embodied directly in a hardware processor for execution, or in a combination of hardware and software modules in a processor for execution.
Alternatively, the memory 21 may be separate or integrated with the processor 22.
The communication interface 23 may be connected to the processor 22. The processor 22 may control the communication interface 23 to perform the functions of receiving and transmitting signals.
The electronic device provided in this embodiment may be used to execute the data exception processing method, and its implementation manner and technical effects are similar, which is not described herein.
The embodiment of the application also provides a data exception handling system, as shown in fig. 6, including:
a processing system 31, an emergency response center 32, and a customer service center 33;
when a transaction initiator initiates a transaction, the exception processing system acquires transaction data and matches the transaction data with preset conditions; if the transaction data is matched with the preset conditions, determining that the transaction is abnormal; initiating an exception prompt to a reserved contact corresponding to the transaction initiator through a 5G message, and sending the exception prompt to the emergency response center 32;
the emergency response center 32 performs interactive operation with the reserved contact party through the 5G message and sends an abnormal prompt to the customer service center 33;
the customer service center 33 performs a confirmation operation with the reserved contact.
Optionally, the data exception handling system further includes: the gateway equipment is used for acquiring transaction data when a transaction initiator initiates a transaction, and transmitting the transaction data to the gateway equipment and the transaction system; the gateway device is used for sending the transaction data to the processing system; the transaction system performs transaction processing.
The present application also provides a computer readable storage medium having stored therein computer instructions which, when executed by a processor, are adapted to carry out the methods provided by the various embodiments described above.
The present application also provides a computer program product comprising computer instructions stored in a computer readable storage medium. The computer instructions may be read from a computer-readable storage medium by at least one processor of the device, and executed by the at least one processor, cause the device to implement the methods provided by the various embodiments described above.
The embodiment of the application also provides a chip, which comprises a memory and a processor, wherein the memory is used for storing computer instructions, and the processor is used for calling and running the computer instructions from the memory, so that a device provided with the chip executes the method in various possible implementation manners.
Finally, it should be noted that: the above embodiments are only for illustrating the technical solution of the present application, and are not limited thereto. Although the present application has been described in detail with reference to the foregoing embodiments, those of ordinary skill in the art will appreciate that: the technical scheme described in the foregoing embodiments may be modified or some or all of the technical features may be replaced with equivalents. Such modifications and substitutions do not depart from the spirit of the corresponding technical solutions from the scope of the technical solutions of the embodiments of the present application.

Claims (10)

1. A method for processing data anomalies, the method comprising:
when a transaction initiator initiates a transaction, transaction data are acquired, and the transaction data are matched with preset conditions;
if the transaction data is matched with the preset condition, confirming that the transaction is abnormal, sending an abnormal prompt to a reserved contact corresponding to the transaction initiator through a 5G message, and sending the abnormal prompt to an emergency response center, wherein the emergency response center performs interactive operation with the reserved contact through the 5G message and sends the abnormal prompt to a customer service center, so that the customer service center performs confirmation operation with the reserved contact.
2. The method according to claim 1, wherein the obtaining transaction data when the transaction initiator initiates the transaction specifically comprises:
when a transaction initiator initiates a transaction, transaction data is acquired through gateway equipment.
3. The method according to claim 1 or 2, wherein prior to matching the transaction data with a preset condition, the method further comprises:
preset conditions are preset and stored locally.
4. A method according to claim 3, wherein after the preset conditions are preset, the method further comprises:
and modifying, adding and deleting at least one of the preset conditions.
5. The method according to claim 1, wherein the method further comprises:
and sending an exception prompt to the transaction initiator through a 5G message.
6. A data exception handling apparatus, the apparatus comprising:
the first processing module is used for acquiring transaction data and matching the transaction data with preset conditions when a transaction initiator initiates a transaction;
and the second processing module is used for confirming that the transaction is abnormal if the transaction data is matched with the preset condition, sending an abnormal prompt to a reserved contact party corresponding to the transaction initiator through a 5G message, and sending the abnormal prompt to an emergency response center, wherein the emergency response center performs interactive operation with the reserved contact party through the 5G message and sends the abnormal prompt to a customer service center so as to enable the customer service center to perform confirmation operation with the reserved contact party.
7. An electronic device, comprising: a processor, and a memory communicatively coupled to the processor;
the memory stores computer-executable instructions;
the processor executes computer-executable instructions stored in the memory to implement the data exception handling method of any one of claims 1 to 5.
8. A data exception handling system, comprising:
the system comprises a processing system, an emergency response center and a customer service center;
when the transaction initiator initiates a transaction, the processing system acquires transaction data and matches the transaction data with preset conditions; if the transaction data is matched with the preset condition, determining that the transaction is abnormal; initiating an abnormal prompt to a reserved contact party corresponding to the transaction initiator through a 5G message, and sending the abnormal prompt to an emergency response center;
the emergency response center performs interactive operation with the reserved contact party through a 5G message and sends the abnormal prompt to a customer service center;
and the customer service center performs confirmation operation with the reserved contact party.
9. The system of claim 8, further comprising: gateway equipment and transaction systems;
the gateway equipment is used for acquiring transaction data and sending the transaction data to the gateway equipment and the transaction system when the transaction initiator initiates a transaction;
the gateway device is used for sending the transaction data to the processing system;
the transaction system is used for conducting transaction processing.
10. A computer readable storage medium having stored therein computer instructions which, when executed by a processor, are adapted to carry out the data exception handling method according to any one of claims 1 to 5.
CN202311651215.5A 2023-12-04 2023-12-04 Data exception handling method, device, equipment, system and storage medium Pending CN117611177A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN202311651215.5A CN117611177A (en) 2023-12-04 2023-12-04 Data exception handling method, device, equipment, system and storage medium

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN202311651215.5A CN117611177A (en) 2023-12-04 2023-12-04 Data exception handling method, device, equipment, system and storage medium

Publications (1)

Publication Number Publication Date
CN117611177A true CN117611177A (en) 2024-02-27

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Application Number Title Priority Date Filing Date
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Country Status (1)

Country Link
CN (1) CN117611177A (en)

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