CN117611307A

CN117611307A - Method and device for monitoring funds transfer, electronic equipment and computer storage medium

Info

Publication number: CN117611307A
Application number: CN202311637562.2A
Authority: CN
Inventors: 杨振兵; 赵健廷
Original assignee: Agricultural Bank of China
Current assignee: Agricultural Bank of China
Priority date: 2023-12-01
Filing date: 2023-12-01
Publication date: 2024-02-27

Abstract

The application provides a method, a device, electronic equipment and a computer storage medium for monitoring funds transfer, wherein the method screens and obtains useful transaction detail data in transaction flow data of a bank; determining first target data and second target data according to the useful transaction detail data; wherein the first target data includes a large number of check-in clients and a payment client; the second target data includes a income amount, a expenditure amount, and a expenditure amount; then, determining transaction data of the suspicious client according to the first target data and the second target data; and finally, writing the transaction data of the suspicious client into a new GBASE table, and displaying the transaction data to a front-end page. Thus, the purpose that the transaction data of the suspicious user can be found in time and can be provided for related departments as clues later can be achieved.

Description

Method and device for monitoring funds transfer, electronic equipment and computer storage medium

Technical Field

The present disclosure relates to the field of computer technologies, and in particular, to a method and apparatus for monitoring funds transfer, an electronic device, and a computer storage medium.

Background

At present, bank clients use accounts to disperse and transfer funds, which is a common way for avoiding the compliance examination of banks, and because of the limitation of certain policies, the transfer of large funds among accounts can be monitored, and certain personnel can disperse the large amount received by the own account into small amount to transfer to a plurality of accounts in a short time in order to avoid the monitoring, so as to realize the purpose that the funds are transferred without being monitored.

Disclosure of Invention

In view of this, the present application provides a method, apparatus, electronic device and computer storage medium for monitoring funds transfer, which discover transaction data of suspicious users in time and can be subsequently provided as clues to relevant departments.

The first aspect of the present application provides a method for monitoring funds transfer, applied to a funds monitoring model, comprising:

acquiring transaction flow data of a bank;

screening to obtain useful transaction detail data in transaction flow data of the bank;

determining first target data and second target data according to the useful transaction detail data; wherein the first target data includes a large number of check-in clients and a payment client; the second target data includes a income amount, a expenditure amount, and a expenditure amount;

determining transaction data of the suspicious client according to the first target data and the second target data;

and writing the transaction data of the suspicious client into a new GBASE table, and displaying the transaction data to a front-end page.

Optionally, before the acquiring the transaction flow data of the bank, the method further includes:

calling up a general program in a fixed preset time period; the general program is used for reading the entered fund monitoring model and parameters thereof, and replacing parameter placeholders in the fund monitoring model logic with corresponding parameters, so that a complete SQL is formed;

running a checking program, and checking the grammar of the fund monitoring model logic to obtain a grammar checking result; and if the grammar check result shows that the grammar of the fund monitoring model logic is correct, executing the step of acquiring the transaction flow data of the bank.

Optionally, the fund monitoring model and the corresponding operation parameters thereof can be maintained by a user on a front-end page, the user can perform new, modification and deletion operations on the model on the front-end page, and the maintainable content comprises model logic, model service parameters and model technical parameters.

Optionally, the determining the first target data and the second target data according to the useful transaction detail data includes:

determining first target data according to the data date, the type number, the type name, the client number and the client name;

the second target data is determined based on the date of the data, the type number, the type name, the customer number, the customer name, and the date of the transaction.

Optionally, the determining, according to the first target data and the second target data, transaction data of the suspicious client includes:

taking the clients with the ratio of the large account-entering client number to the payment client number larger than the set parameters as suspicious clients in the parameter value days;

and determining transaction data of the suspicious client according to the second target data.

A second aspect of the present application provides a funds-transfer monitoring device, for use in a funds-monitoring model, comprising:

the acquisition unit is used for acquiring transaction flow data of the bank;

the screening unit is used for screening and obtaining useful transaction detail data in the transaction flow data of the bank;

a first determining unit configured to determine first target data and second target data according to the useful transaction detail data; wherein the first target data includes a large number of check-in clients and a payment client; the second target data includes a income amount, a expenditure amount, and a expenditure amount;

the second determining unit is used for determining transaction data of the suspicious client according to the first target data and the second target data;

and the display unit is used for writing the transaction data of the suspicious client into a new GBASE table and displaying the transaction data to the front-end page.

Optionally, the funds-transfer monitoring apparatus further comprises:

the calling unit is used for calling a general program in a fixed preset time period; the general program is used for reading the entered fund monitoring model and parameters thereof, and replacing parameter placeholders in the fund monitoring model logic with corresponding parameters, so that a complete SQL is formed;

the checking unit is used for running a checking program and checking the grammar of the fund monitoring model logic to obtain a grammar checking result; and if the grammar check result shows that the grammar of the fund monitoring model logic is correct, activating the acquisition unit to execute the step of acquiring the transaction flow data of the bank.

Optionally, the first determining unit includes:

a first target data determining unit configured to determine first target data according to a data date, a type number, a type name, a client number, and a client name;

and the second target data determining unit is used for determining the second target data according to the data date, the type number, the type name, the client number, the client name and the transaction date.

Optionally, the second determining unit includes:

the suspicious client determining unit is used for taking the clients with the large account-in client number and the payment client number ratio larger than the set parameters as suspicious clients in the parameter value days;

and the transaction data determining unit is used for determining the transaction data of the suspicious client according to the second target data.

A third aspect of the present application provides an electronic device, comprising:

one or more processors;

a storage device having one or more programs stored thereon;

the one or more programs, when executed by the one or more processors, cause the one or more processors to implement the method of monitoring funds transfer according to any of the first aspects.

A fourth aspect of the present application provides a computer storage medium having a computer program stored thereon, wherein the computer program when executed by a processor implements a method of monitoring funds transfer according to any of the first aspects.

According to the scheme, the application provides a method, a device, electronic equipment and a computer storage medium for monitoring funds transfer, wherein the method screens and obtains useful transaction detail data in transaction flow data of a bank; determining first target data and second target data according to the useful transaction detail data; wherein the first target data includes a large number of check-in clients and a payment client; the second target data includes a income amount, a expenditure amount, and a expenditure amount; then, determining transaction data of the suspicious client according to the first target data and the second target data; and finally, writing the transaction data of the suspicious client into a new GBASE table, and displaying the transaction data to a front-end page. Thus, the purpose that the transaction data of the suspicious user can be found in time and can be provided for related departments as clues later can be achieved.

Drawings

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings that are required to be used in the embodiments or the description of the prior art will be briefly described below, and it is obvious that the drawings in the following description are only embodiments of the present invention, and that other drawings can be obtained according to the provided drawings without inventive effort for a person skilled in the art.

FIG. 1 is a schematic diagram of a customer's distributed transfer funds;

FIG. 2 is a flowchart illustrating a method for monitoring a funds transfer according to an embodiment of the present application;

FIG. 3 is a flow chart of a method for monitoring funds transfer according to another embodiment of the present application;

FIG. 4 is a flowchart of determining first target data and second target data according to another embodiment of the present application;

FIG. 5 is a flow chart of a method for determining transaction data for a suspicious client according to another embodiment of the present application;

FIG. 6 is a schematic diagram of a funds-transfer monitoring apparatus according to another embodiment of the present application;

fig. 7 is a schematic diagram of an electronic device implementing a method for monitoring funds transfer according to another embodiment of the application.

Detailed Description

The following description of the embodiments of the present invention will be made clearly and completely with reference to the accompanying drawings, in which it is apparent that the embodiments described are only some embodiments of the present invention, but not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.

It should be noted that, information (including but not limited to user equipment information, user personal information, etc.) and data (including but not limited to data for analysis, stored data, presented data, etc.) related to the present application are information and data authorized by the user or sufficiently authorized by each party, and the collection, use, and processing of related data are required to comply with related laws and regulations and standards of related countries and regions.

The term "including" and variations thereof as used herein are intended to be open-ended, i.e., including, but not limited to. The term "based on" is based at least in part on. The term "one embodiment" means "at least one embodiment"; the term "another embodiment" means "at least one additional embodiment"; the term "some embodiments" means "at least some embodiments. Related definitions of other terms will be given in the description below.

It should be noted that the terms "first," "second," and the like herein are merely used for distinguishing between different devices, modules, or units and not for limiting the order or interdependence of the functions performed by such devices, modules, or units.

It should be noted that references to "one" or "a plurality" in this application are intended to be illustrative rather than limiting, and those of ordinary skill in the art will appreciate that "one or more" is intended to be interpreted as "one or more" unless the context clearly indicates otherwise.

First, technical terms in the present application will be explained:

customer number: the banking industry gives each customer a unique identifier, like an identification card, that one customer owns and only owns one customer number.

Account number: the unique mark given by the customer in the bank card (credit card, memory card), one card corresponds to one account number, one customer only can have one customer number, but can have a plurality of account numbers.

Transaction detail data: the account transfer and receipt transaction of the customer at the bank comprises information such as transaction time, amount and the like.

MPP architecture: the MPP architecture is to distribute tasks to a plurality of servers and nodes in parallel, and after calculation is completed on each node, the results of the respective parts are summarized together to obtain a final result.

GBASE: GBASE is an autonomous brand database product that is difficult to open for data technology limited, and is developed based on MPP architecture.

With the high-speed development of the Internet, illegal criminal means are more and more different, are not victory and exhibit extremely high concealment and dispersibility, which brings extremely high pressure to the money and wind control work of banking industry, and meanwhile, the network transfer and consumption behaviors of people are more and more common, so that the bank transaction detail data are expanded severely, and the requirements on storage and calculation engines are also higher and higher. As shown in fig. 1, a schematic diagram of a customer's dispersed funds transfer is provided to illustrate the role relationships and transaction characteristics involved in this application. According to the method, the automatic discovery of the behavior of the dispersed transfer of funds of the clients is realized by taking the big data calculation and storage database Gbase as a support and the client transaction detail list as a foundation stone.

The application designs a fund monitoring model which is managed and scheduled through a batch program and operates in an MPP database GBASE, and model parameters are managed in a unified mode by adopting a front-end page mode. The model parameters and the model final results are stored in an oracle database, the data size of the parameters and the model results is small, the oracle database is convenient for system application operation, and the transaction detail data and the intermediate analysis results are stored in GBASE. GBASE is a data storage and calculation engine based on MPP structure, can store mass data in a distributed manner, provides SQL-like query function, and has larger data processing module, higher speed and better stability compared with the traditional database.

It should be noted that, the fund monitoring model and the corresponding operation parameters thereof can be maintained by the user on the front-end page, the user can perform operations of adding, modifying and deleting the model on the front-end page, and the maintainable content includes model logic, model service parameters and model technical parameters. The model and parameters are 1:N relationships. The model logic of the patent is mature and can not change frequently, but model business parameters can be adjusted on a page at any time, the flexibility of the operation of the model is improved by separating the logic from the parameters, and the information is stored in an Oracle database.

The embodiment of the application provides a method for monitoring funds transfer, which is applied to a funds monitoring model, as shown in fig. 2, and comprises the following steps:

s201, acquiring transaction flow data of a bank.

Optionally, in another embodiment of the present application, before acquiring the transaction flow data of the bank, as shown in fig. 3, the method further includes:

s301, calling up a general program in a fixed preset time period.

The general program is used for reading the entered fund monitoring model and parameters thereof, and replacing parameter placeholders in the fund monitoring model logic with corresponding parameters, so that a complete SQL is formed.

It should be noted that the fixed preset time may be monthly or daily, and the like, and is not limited herein.

S302, running a checking program, checking the grammar of the fund monitoring model logic, and obtaining a grammar checking result.

And if the grammar checking result shows that the grammar of the fund monitoring model logic is correct, executing the step of acquiring transaction flow data of the bank.

S202, screening and obtaining useful transaction detail data in transaction flow data of banks.

It should be noted that, since the detailed data of the bank transaction is very large, but there are many transactions with very small amount or the bank definitely has no risk, these data will not participate in the calculation of the patent model, and can be filtered directly.

S203, determining first target data and second target data according to the useful transaction detail data.

Wherein the first target data includes a large number of account entries and a number of payment clients; the second target data includes a revenue count, a revenue amount, a payout count, and a payout amount.

Optionally, in another embodiment of the present application, an implementation manner of step S203, as shown in fig. 4, includes:

s401, determining first target data according to the data date, the type number, the type name, the client number and the client name.

S402, determining second target data according to the data date, the type number, the type name, the client number, the client name and the transaction date.

Specifically, in the specific implementation process of the present application, the implementation may be implemented by the following logic:

Select distinct

date/date data/,

mod/type number/,

modname/type name/,

ygpid/client number/,

ygname/customer NAME "/,

TRANS _ DATE/DATE of transaction,

sum (if (AMT >0,1, 0)) over (section by YG_PID TRANS_ DATE order by TRANS _DATE) as c_num, # revenue

sum (if (AMT >0, AMT, 0)) over (section by yg_pid||trans_ DATE order by TRANS _date) as c_amt, # revenue amount

Sum (if (AMT <0,1, 0)) over (section by YG_PID TRANS_ DATE order by TRANS _DATE) as d_num, # payout count

sum (AMT <0, AMT, 0)) over (section by yg_pid||trans_ DATE order by TRANS _date) as d_amt# payoff amount

from filtered transaction details table (i.e., second target data);

Select distinct

date/date data/,

mod/type number/,

modname/type name/,

ygpid/client number/,

max (yg_name) as yg_name/client NAME,

count (discrete if (oppacct num= ", null, OPP ACCT NUM)) as opacctnum/number of counter accounts,

count (OPP_CUST_NAME= ", null, OPP_CUST_NAME)) as oppcustnum/. Times.counter customer number

from filtered transaction details list (i.e., first target data)

group by date,modcod,modname,YG_PID

S204, determining transaction data of the suspicious client according to the first target data and the second target data.

Optionally, in another embodiment of the present application, an implementation of step S204, as shown in fig. 5, includes:

s501, taking the clients with the ratio of the large account-entering client number to the payment client number larger than the set parameters as suspicious clients in the parameter value days.

S502, determining transaction data of the suspicious client according to the second target data.

Select

from second target data

Where a.D _SH_t5/a.C _HS_t5> = parameter set value/number of outgoing household divided by number of incoming household, for example, set value 5 × +.

and a.C _AMT_t5>200000# pays a total of more than 20 ten thousand yuan, which can be set in the model parameters

and abs (a.D _amt_t5)/a.C _amt_t5 betwen 0.8and 1.2/pay total divided by revenue total takes a value in the interval 0.8 to 1.2, which can also be set in the model parameters

S205, writing the transaction data of the suspicious client into a new GBASE table, and displaying the transaction data to a front-end page.

In the specific implementation process of the application, the calculation of near trillion-scale data is involved in the calculation process of the fund monitoring model, and data storage and performance are often places which are very important to consider, so that the MPP architecture database GBASE adopted by the application is taken as an infrastructure in the aspects of data storage and calculation.

Because each transaction has own independent number, the number considers the possibility of distributed storage at the beginning of design, so that the number is just used as a distribution key of data distributed storage, uniform distribution of data storage in a large-scale cluster is realized, and the storage capacity of the data can be improved by increasing the number of servers or the number of hard disks at any time.

In addition, the fields for connection and screening in each SQL in the calculation process are selected through careful processing. The fields of the connection need to be a distributed key of data in order to reduce data transmission between server nodes so that each node of the MPP cluster can compute with local data; most of the fields for screening are indexes, so that the efficiency of data screening can be greatly improved; the characteristics of MPP cluster distributed computation are considered in grammar, and when the data volume is further increased, the computation speed can be increased only by increasing the number of cluster servers, so that the MPP cluster distributed computation method is flexible and convenient.

According to the scheme, the application provides a method for monitoring funds transfer, and useful transaction detail data is obtained through screening in transaction flow data of a bank; determining first target data and second target data according to the useful transaction detail data; wherein the first target data includes a large number of account entries and a number of payment clients; the second target data includes a income amount, a expenditure amount, and a expenditure amount; then, determining transaction data of the suspicious client according to the first target data and the second target data; and finally, writing the transaction data of the suspicious client into a new GBASE table, and displaying the transaction data to a front-end page. Thus, the purpose that the transaction data of the suspicious user can be found in time and can be provided for related departments as clues later can be achieved.

Another embodiment of the present application provides a device for monitoring funds transfer, which is applied to a funds monitoring model, as shown in fig. 6, and specifically includes:

an obtaining unit 601 is configured to obtain transaction flow data of a bank.

A screening unit 602, configured to screen and obtain useful transaction detail data from transaction flow data of a bank.

The first determining unit 603 is configured to determine first target data and second target data according to the useful transaction detail data.

Optionally, in another embodiment of the present application, an implementation manner of the first determining unit 603 includes:

and the first target data determining unit is used for determining the first target data according to the data date, the type number, the type name, the client number and the client name.

The specific working process of the unit disclosed in the foregoing embodiments of the present application may refer to the content of the corresponding method embodiment, as shown in fig. 4, which is not described herein again.

A second determining unit 604, configured to determine transaction data of the suspicious client according to the first target data and the second target data.

Optionally, in another embodiment of the present application, an implementation manner of the second determining unit 604 includes:

and the suspicious client determining unit is used for taking the clients with the large account-in client number and the payment client number ratio larger than the set parameters as suspicious clients in the parameter value days.

The specific working process of the unit disclosed in the foregoing embodiments of the present application may refer to the content of the corresponding method embodiment, as shown in fig. 5, which is not described herein again.

And the display unit 605 is used for writing the transaction data of the suspicious client into a new GBASE table and displaying the transaction data to the front-end page.

The specific working process of the unit disclosed in the foregoing embodiments of the present application may refer to the content of the corresponding method embodiment, as shown in fig. 2, which is not described herein again.

Optionally, in another embodiment of the present application, one implementation of the funds-transfer monitoring apparatus further includes:

and the calling unit is used for calling a general program in a fixed preset time period.

And the checking unit is used for running a checking program and checking the grammar of the fund monitoring model logic to obtain a grammar checking result.

And if the grammar checking result shows that the grammar of the fund monitoring model logic is correct, activating the acquisition unit to execute the step of acquiring the transaction flow data of the bank.

The specific working process of the unit disclosed in the foregoing embodiments of the present application may refer to the content of the corresponding method embodiment, as shown in fig. 3, which is not described herein again.

According to the scheme, the application provides a fund transfer monitoring device, and useful transaction detail data is obtained through screening in transaction flow data of a bank; determining first target data and second target data according to the useful transaction detail data; wherein the first target data includes a large number of account entries and a number of payment clients; the second target data includes a income amount, a expenditure amount, and a expenditure amount; then, determining transaction data of the suspicious client according to the first target data and the second target data; and finally, writing the transaction data of the suspicious client into a new GBASE table, and displaying the transaction data to a front-end page. Thus, the purpose that the transaction data of the suspicious user can be found in time and can be provided for related departments as clues later can be achieved.

The functions described above herein may be performed, at least in part, by one or more hardware logic components. For example, without limitation, exemplary types of hardware logic components that may be used include: a Field Programmable Gate Array (FPGA), an Application Specific Integrated Circuit (ASIC), an Application Specific Standard Product (ASSP), a system on a chip (SOC), a Complex Programmable Logic Device (CPLD), and the like.

Another embodiment of the present application provides an electronic device, as shown in fig. 7, including:

one or more processors 701.

A storage 702, on which one or more programs are stored.

The one or more programs, when executed by the one or more processors 701, cause the one or more processors 701 to implement a method of monitoring funds transfer as in any of the embodiments described above.

Another embodiment of the present application provides a computer storage medium having a computer program stored thereon, wherein the computer program, when executed by a processor, implements a method of monitoring funds transfer according to any of the above embodiments.

In the context of this application, a machine-readable medium may be a tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. The machine-readable medium may be a machine-readable signal medium or a machine-readable storage medium. The machine-readable medium may include, but is not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any suitable combination of the foregoing. More specific examples of a machine-readable storage medium would include an electrical connection based on one or more wires, 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), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.

It should be noted that the computer readable medium described in the present application may be a computer readable signal medium or a computer readable storage medium, or any combination of the two. The computer readable storage medium can be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or a combination of any of the foregoing. More specific examples of the computer-readable storage medium may include, but are not limited to: an electrical connection having one or more wires, 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), an optical fiber, 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 document, 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. In the present application, however, a computer-readable signal medium may include a data signal that propagates in baseband or as part of a carrier wave, with the computer-readable program code embodied therein. Such a propagated data signal may take any of a variety of forms, including, but not limited to, electro-magnetic, optical, or any suitable combination of the foregoing. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: electrical wires, fiber optic cables, RF (radio frequency), and the like, or any suitable combination of the foregoing.

The computer readable medium may be contained in the electronic device; or may exist alone without being incorporated into the electronic device.

Another embodiment of the present application provides a computer program product for performing the method of monitoring funds transfer of any of the above, when the computer program product is executed.

In particular, according to embodiments of the present application, the processes described above with reference to flowcharts may be implemented as computer software programs. For example, embodiments of the present application include a computer program product comprising a computer program embodied on a non-transitory computer readable medium, the computer program comprising program code for performing the method shown in the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network via a communication device, or installed from a storage device, or installed from ROM. The above-described functions defined in the methods of the embodiments of the present application are performed when the computer program is executed by a processing device.

Although the subject matter has been described in language specific to structural features and/or methodological acts, it is to be understood that the subject matter defined in the appended claims is not necessarily limited to the specific features or acts described above. Rather, the specific features and acts described above are example forms of implementing the claims.

While several specific implementation details are included in the above discussion, these should not be construed as limiting the scope of the present application. Certain features that are described in the context of separate embodiments can also be implemented in combination in a single embodiment. Conversely, various features that are described in the context of a single embodiment can also be implemented in multiple embodiments separately or in any suitable subcombination.

The foregoing description is only of the preferred embodiments of the present application and is presented as a description of the principles of the technology being utilized. It will be appreciated by persons skilled in the art that the scope of the application referred to in this application is not limited to the specific combinations of features described above, but it is intended to cover other embodiments in which any combination of features described above or their equivalents is contemplated without departing from the spirit of the application. Such as the above-mentioned features and the technical features having similar functions (but not limited to) applied for in this application are replaced with each other.

Claims

1. A method of monitoring funds transfer, applied to a funds-monitoring model, comprising:

acquiring transaction flow data of a bank;

2. The method of claim 1, wherein prior to the acquiring the transaction sequence data for the bank, further comprising:

3. The method of claim 1, wherein the fund monitoring model and its corresponding operating parameters are maintained by a user on a front-end page, and the user can perform new, modified and deleted operations on the model on the front-end page, and the maintainable content includes model logic, model business parameters and model technical parameters.

4. The method of claim 1, wherein determining the first target data and the second target data based on the useful transaction detail data comprises:

5. The method of claim 1, wherein determining transaction data for the suspicious client based on the first target data and the second target data comprises:

6. A funds transfer monitoring apparatus, for use in a funds transfer model, comprising:

the acquisition unit is used for acquiring transaction flow data of the bank;

7. The funds transfer monitoring apparatus of claim 6, further comprising:

8. The funds transfer monitoring apparatus of claim 6, wherein the first determination unit comprises:

9. An electronic device, comprising:

one or more processors;

a storage device having one or more programs stored thereon;

the one or more programs, when executed by the one or more processors, cause the one or more processors to implement the method of monitoring funds transfer of any of claims 1 to 5.

10. A computer storage medium having a computer program stored thereon, wherein the computer program, when executed by a processor, implements a method of monitoring funds transfer according to any of claims 1 to 5.