WO2017032056A1 - 基于销售终端套现的确定方法及装置 - Google Patents

基于销售终端套现的确定方法及装置 Download PDF

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Publication number
WO2017032056A1
WO2017032056A1 PCT/CN2016/081166 CN2016081166W WO2017032056A1 WO 2017032056 A1 WO2017032056 A1 WO 2017032056A1 CN 2016081166 W CN2016081166 W CN 2016081166W WO 2017032056 A1 WO2017032056 A1 WO 2017032056A1
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card
location
pos
transaction
warning information
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PCT/CN2016/081166
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English (en)
French (fr)
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叶青
蒋贤忠
杨志鹏
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中兴通讯股份有限公司
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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
    • G06Q20/20—Point-of-sale [POS] network systems
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G1/00—Cash registers
    • G07G1/12—Cash registers electronically operated
    • G07G1/14—Systems including one or more distant stations co-operating with a central processing unit
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L67/00—Network arrangements or protocols for supporting network services or applications
    • H04L67/50—Network services
    • H04L67/52—Network services specially adapted for the location of the user terminal

Definitions

  • This document relates to, but is not limited to, the field of communications, and relates to a method and apparatus for determining a cashier based (POS) cashout.
  • POS cashier based
  • the means for preventing offline credit card cashing used in the related art include the following two types: one is to perform feature recognition according to the transaction record of the card, and once the card user consumption deviates from the feature model, there is a possibility that there is a set of current behavior.
  • This kind of technology is not good for professional cardholders, because they are actually cashing through the transaction data to defraud the bank (as seen from the transaction data, the cardholder is a high-end person).
  • the other is to use data analysis technology to prevent cash out based on the transaction data of a single POS. This method is still inefficient, and merchants using POS cash can still evade through false transaction data.
  • the embodiment of the invention provides a method and a device for determining a cash-out based on a sales terminal (POS), which solves the problem that the cash-based POS-based cash-out is difficult to identify.
  • POS sales terminal
  • An embodiment of the present invention provides a method for determining a POS based on a sales terminal, including:
  • the number of POSs of the location where the mobile terminal is located is greater than 1, determining whether to report the warning information according to the result of the location matching the registration location of the POS that generates the card transaction, and/or according to the card
  • the transaction records of multiple POSs in the location determine whether to report the warning information.
  • determining, according to the result that the location matches the POS registration location, whether to report the early warning information includes:
  • the warning information is prohibited from being reported;
  • the warning information is reported when the registration information indicates that the plurality of POS registration locations are not the same, and the location of the mobile terminal is an illegal business location.
  • determining whether to report the warning information according to the transaction records of the multiple POSs of the card at the location includes:
  • the warning information is reported when the card generates a card transaction only with a plurality of POSs of the plurality of POSs, and the card transaction has an associated transaction order in time;
  • the warning information is prohibited from being reported.
  • the terminal identification number includes a mobile phone number.
  • the card comprises at least one of the following: a bank card, a credit card.
  • the embodiment of the invention provides a determining device based on the POS of the sales terminal, comprising:
  • a first obtaining module configured to acquire a terminal identification number bound to the card after the POS generates the card transaction
  • a second acquiring module configured to acquire a location of the mobile terminal corresponding to the terminal identification number when the card transaction is generated, and a number of POSs where the mobile terminal is located;
  • a determining module configured to determine whether to report the warning information according to a result of the location matching the registered location of the POS that generates the card transaction, and/or according to the result that the number of POSs of the location where the mobile terminal is located is greater than one
  • the transaction records of the plurality of POSs stuck in the location determine whether to report the warning information.
  • the determining module includes:
  • the first prohibiting unit is configured to, when the registration information indicates that the plurality of POS registration locations are the same, and the location of the mobile terminal matches the POS registration location that generates the card transaction, prohibiting reporting the early warning information;
  • the first reporting unit is configured to report the early warning information when the registration information indicates that the plurality of POS registration locations are not the same, and the location of the mobile terminal is an illegal business location.
  • the determining module includes:
  • An obtaining unit configured to obtain a transaction record of each POS of the card at the location
  • a second reporting unit configured to report the warning information when the card generates a card transaction only with a part of the plurality of POSs, and the card transaction has a transaction order in time;
  • the second prohibiting unit is configured to prohibit reporting the early warning information when the card does not exist and the partial POS of the plurality of POSs generates a card transaction.
  • the terminal identification number includes a mobile phone number.
  • the card comprises at least one of the following: a bank card, a credit card.
  • the embodiment of the present invention further provides a computer readable storage medium, where the computer readable storage medium stores computer executable instructions, and the computer executable instructions are implemented based on the pin The method for determining the POS cashout of the terminal.
  • the terminal identification number bound by the card is acquired; the location of the mobile terminal corresponding to the terminal identification number is generated, and the location of the mobile terminal is obtained.
  • the number of POSs when the number of POSs at the location of the mobile terminal is multiple, it is determined whether to report the warning information according to the matching result of the location and the POS registration location and/or the transaction record of the card and the plurality of POSs.
  • the above technical solution determines the location mode of the terminal corresponding to the terminal identification number by generating the terminal identification number of the transaction card binding, so that the manner of identifying the POS machine cashing is more efficient, and the related technology is difficult to identify based on the sales terminal POS.
  • the problem determines the location mode of the terminal corresponding to the terminal identification number by generating the terminal identification number of the transaction card binding, so that the manner of identifying the POS machine cashing is more efficient, and the related technology is difficult to identify based on the sales terminal POS.
  • FIG. 1 is a flow chart of a method for determining a cashier based (POS) cashout according to an embodiment of the present invention
  • FIG. 2 is a structural block diagram of a POS-based determining apparatus according to an alternative embodiment of the present invention.
  • FIG. 3 is a structural block diagram of a determining module of a POS-based determining apparatus according to an alternative embodiment of the present invention
  • FIG. 4 is a structural block diagram of a determining module of a POS-based determining apparatus according to an alternative embodiment of the present invention
  • FIG. 5 is a structural block diagram of a credit card cash register identification apparatus according to an alternative embodiment of the present invention.
  • FIG. 6 is a schematic diagram of deployment and connection of an apparatus and an external system according to an alternative embodiment of the present invention.
  • FIG. 7 is a structural block diagram of a credit card cash register identification apparatus according to an alternative embodiment of the present invention.
  • FIG. 1 is a flowchart of a method for determining a POS-based cash-out according to an embodiment of the present invention. As shown in FIG. 1 , the method includes the following steps:
  • Step S102 After the POS generates the card transaction, obtain the terminal identification number bound by the card;
  • Step S104 Acquire location information of the mobile terminal corresponding to the terminal identification number when generating the card transaction, and the number of POSs where the mobile terminal is located;
  • Step S106 when the number of POSs in the location is multiple, determining whether to report the warning information according to the matching result of the location information and the registration location of the POS that generates the card transaction, and/or, according to the card and the location The transaction record of each POS determines whether to report the warning information.
  • the terminal identification number bound by the card is acquired, and then the location of the mobile terminal corresponding to the terminal identification number when generating the card transaction transaction and the number of POSs where the mobile terminal is located are obtained.
  • the transaction record of each POS of the card and the location determines whether to report the warning information according to the matching result of the location and the registered location of the POS.
  • step S106 in this embodiment whether the alarm information is reported according to the result of the matching between the location and the registered location of the POS may be implemented in the following manner:
  • the warning information is prohibited from being reported;
  • the warning information is reported.
  • step S106 of this embodiment whether the early warning information is reported according to the transaction record of the card and the multiple POSs can be implemented as follows:
  • the warning information is reported;
  • the terminal identification number involved in the embodiment may be a mobile phone number.
  • the card involved in this embodiment may be: a bank card or a credit card.
  • the method according to the above embodiment can be implemented by means of software plus a necessary general hardware platform, and of course, by hardware, but in many cases, the former is A better implementation.
  • the technical solution of the present application which is essential or contributes to the prior art, may be embodied in the form of a software product stored in a storage medium (such as ROM/RAM, disk,
  • the optical disc includes a number of instructions for causing a terminal device (which may be a mobile phone, a computer, a server, or a network device, etc.) to perform the method of the embodiments of the present invention.
  • a determining device based on the POS of the sales terminal is provided, and the device is used to implement the above-mentioned embodiments and optional embodiments.
  • the term “module” may implement a combination of software and/or hardware of a predetermined function.
  • FIG. 2 is a structural block diagram of a determining device based on a sales terminal POS cashout according to an embodiment of the present invention. As shown in FIG. 2, the device includes:
  • the first obtaining module 22 is configured to acquire and bind the card after the sales terminal POS generates the card transaction.
  • Fixed terminal identification number
  • the second obtaining module 24 is coupled to the first obtaining module 22, and configured to acquire a location of the mobile terminal corresponding to the terminal identification number when generating the card swiping transaction, and a number of POSs where the mobile terminal is located;
  • the determining module 26 is coupled to the second obtaining module 26, and is configured to determine whether to report whether the number of POSs at the location where the mobile terminal is located is greater than one, according to the result that the location matches the registered location of the POS that generates the card transaction.
  • FIG. 3 is an optional structural block of the determining device for the POS-based cash-out of the sales terminal according to the embodiment of the present invention. As shown in FIG. 3, based on the determining device based on the sales terminal POS cash-out shown in FIG. 2, the determining module 26 includes:
  • the first prohibiting unit 32 is configured to prohibit the reporting of the early warning information when the registration information indicates that the plurality of POSs are the same as the registered location, and the location matches the registered location of the POS that generates the card transaction;
  • the first reporting unit 34 is coupled to the first prohibiting unit 32, and is configured to report the warning information when the registration information indicates that the plurality of POS registration locations are not the same, and the location indication is an illegal business location.
  • the determining module 26 includes :
  • the obtaining unit 42 is configured to acquire a transaction record of each POS stuck in the location;
  • the second reporting unit 44 is coupled to the obtaining unit 42 and configured to generate a card transaction only in the card with only one or more POSs in each of the POSs, and in the specific one or more POSs The warning information is reported when the time of the credit card transaction has a transaction order;
  • the second prohibiting unit 46 is coupled to the acquiring unit 46, and is configured to prohibit reporting the early warning information when the card does not exist and the specific one or more POSs in each of the POSs generate a card transaction.
  • the terminal identification number involved in this embodiment includes a mobile phone number.
  • the card involved in this embodiment may be: a bank card or a credit card.
  • FIG. 5 is a structural block diagram of the credit card cashout identification device of the present example.
  • the device includes: a cash analysis module and a location service module, wherein the cash analysis module and the financial institution The transaction processing system interacts; the location service module interacts with the telecom operator location service business system; the transaction processing system refers to the existing POS transaction processing system, the bank card transaction management system, etc., which refers to the financial institution that interacts with the system. system.
  • the location service module in this example corresponds to the second acquisition module in the foregoing embodiment; the cashout analysis module corresponds to the first acquisition module and the determination module in the foregoing embodiment.
  • 6 is a schematic diagram of the deployment and connection manner of the device and the external system according to the present example. As shown in FIG. 6, each module of the system is operated by a server, and the system can be run on one or more servers, and The transaction processing system and the operator's location service business system are connected via the Internet (Internet), which facilitates distributed processing and management throughout the country.
  • Internet Internet
  • the credit card cashout identification system and the transaction processing system and the operator location service service system may adopt a VPN (Virtual Private Network) or other secure transmission technology.
  • the present example also provides a credit card cashout determination method, and the steps of the method include:
  • Step S202 When the POS machine generates the card transaction, the transaction processing system transmits the transaction related information and the POS terminal related information to the cash analysis module through the network; wherein the transaction information includes the mobile phone number bound by the credit card consumer user (or the like) Use the identification number of the terminal of the mobile network).
  • Step S204 After receiving the relevant information, the cash analysis module extracts the mobile phone number bound by the card master credit card, and sends it to the location service module;
  • Step S206 The location service module acquires location information of the mobile phone from the operator location service service system.
  • Step S208 After the credit card cashout identification system acquires the real-time location of the mobile phone according to the mobile phone number, the integrated registration position of the POS terminal or other transaction information of the card owner is used to perform cash-out identification and judgment, and if there is a possibility of cash-out, a “cash-out warning” is issued. Wherein, if multiple POS machines are found in the location, and the registered location does not match the location of the POS that generates the card transaction, the location may be a nested nest.
  • the location POS machine if the location POS machine is one or more, query the relevant transaction records of all the card readers, if the record shows that the cardholder transaction is always related to a specific number of POS machines, and each card exists in time If there is a related transaction order, etc., it may be malicious for personal cash.
  • the cash-out analysis module can be further subdivided into an interface module, a bank card mobile phone binding analysis module, and a cash-out identification module.
  • the three parts wherein the interface module interacts with the transaction processing system to effectively isolate the changes of different transaction processing systems to ensure that the core part of the system, ie, the cash recognition module, is less affected; the bank card binding analysis module is used to filter those bank cards and Mobile phones often separate transactions that increase the system's false positive rate for cash-out identification.
  • the credit card cashout identification method includes the following steps:
  • Step S302 the POS machine consumes the card, and the interface module obtains the card transaction information (such as the card number, the cardholder's mobile phone number, etc.) and the POS terminal related information (such as the merchant code and the terminal number, the registration address, etc.) from the transaction processing system;
  • the card transaction information such as the card number, the cardholder's mobile phone number, etc.
  • the POS terminal related information such as the merchant code and the terminal number, the registration address, etc.
  • Step S304 After extracting the information such as the card mobile phone number of the card, the interface module sends the card binding analysis module to the card card and the mobile phone number binding analysis;
  • the user's mobile phone and the card belong to a long-term separated state, it indicates that the user card is temporarily invalid for the credit card cash-out identification; if the user's mobile phone is carried along with the card's regular period, it indicates that the user card is valid for the credit card cash-out identification; the analysis result is recorded. .
  • Step S306 The interface module sends the card number and the result of the mobile phone binding analysis and other information to the cash-out identification module, and the cash-out identification module according to the result;
  • the credit card cashing identification is terminated; if the card and the mobile phone are in a binding state, the current mobile phone location needs to be queried.
  • Step S308 The cashout identification module queries the location service module for the location of the mobile phone;
  • Step S310 The location service module analyzes the mobile phone number, and queries the corresponding operator location service service system for the location information of the mobile phone number;
  • Step S312 After the cash identification module obtains the location of the mobile phone, the POS machine is marked as the location. And query all POS machines in this location with this location. Among them, if there are multiple POS machines in the location and obviously non-merchant gathering places, it may be illegal to cash in the dens; if the registration addresses of multiple POS machines are different, it is more likely to be illegally cashed, and the system outputs “cash warning”. Further judgment by the relevant experts; if the location is only one or several POS machines; a.
  • Query the transaction records of the POS machine may be the individual cardholders, through the cardholder's name to check all the bank card transaction records held by the analyst to support the evidence (if the cardholder always spends on a certain number of POS machines, the time between the cards they hold There are related transaction orders, etc.), and output "cash warning"; record POS machine location and card information for subsequent queries.
  • the present optional embodiment overcomes the purely relying on data analysis technology for the credit card cash detection detection in the related art, and it is difficult to find professional and professional cash-out problems and defects, and provides a more efficient consumption location-based data analysis technology.
  • each of the above modules may be implemented by software or hardware.
  • the foregoing may be implemented by, but not limited to, the foregoing modules are all located in the same processor; or, the modules are located in multiple In the processor.
  • the embodiment of the invention further provides a computer readable storage medium, wherein the computer readable storage medium stores computer executable instructions, and when the computer executable instructions are executed, a POS based method for determining the POS is implemented.
  • modules or steps of the present application can be implemented by a general computing device, which can be concentrated on a single computing device or distributed in a network composed of multiple computing devices. Alternatively, they may be implemented by program code executable by the computing device such that they may be stored in the storage device by the computing device and, in some cases, may be different from the order herein.
  • the steps shown or described are performed, or they are separately fabricated into individual integrated circuit modules, or a plurality of modules or steps thereof are fabricated as a single integrated circuit module.
  • the application is not limited to any particular combination of hardware and software.
  • the above technical solution can effectively identify the POS cashing.

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Abstract

一种基于销售终端POS套现的确定方法，该方法包括：在POS产生刷卡交易后，获取与卡绑定的终端识别号码；获取与终端识别号码对应的移动终端在产生刷卡交易时的位置，以及移动终端所处位置的POS数量；在所述移动终端所处位置的POS数量大于1台时，根据位置与产生所述刷卡交易的POS注册位置匹配的结果确定是否上报预警信息，和/或，根据卡在所述位置的多台POS的交易记录确定是否上报预警信息。上述技术方案解决了相关技术中基于销售终端POS进行套现难以识别的问题。

Description

基于销售终端套现的确定方法及装置 技术领域
本文涉及但不限于通信领域，涉及一种基于销售终端(POS)套现的确定方法及装置。
背景技术
在金融交易领域，目前银行对于信用卡取现均收取一定的手续费(一般为1％，或收取每笔交易的固定手续费下限或上限)，并且信用卡取现不超过顶额的30％，且从当日开始计算日利息(0.05％)；另一方面，如果消费者用信用卡在销售终端(Point Of Sale，简称为POS)消费，则商家只需缴纳约0.4％左右的手续费即可(不同经营范围商户费率不同)。如果不在ATM(Automatic Teller Machine，自动取款机)或银行柜台取现，通过刷卡消费套取现金，不仅可以顶额取现，并且可利用信用卡免息期节省取现日利息，而缴纳的手续费即使略高(一般超过0.4％而少于1％)，也存在一定的获利空间。基于此，目前在信用制度不完善的情况下，信用卡套现愈演愈烈，据银行业统计，持卡用户约有20％以上曾经有过套现行为。更甚的是，出现了不法套现团伙，称为职业养卡，每月线下套现少则几百万，多则几千万。个体消费者或小企业主也有部分通过办理多家银行信用卡而职业养卡(套现一般在几万至上百万不等)。
目前，相关技术中采用的防止线下信用卡套现的手段包括以下两种：一种是根据卡的交易记录进行特征识别，一旦持卡用户消费偏离其特征模型，则很有可能存在套现行为。这种技术对于职业养卡人来说效果不佳，因为他们本来就是通过交易数据来欺骗银行而进行套现的(如从交易数据上看，持卡人是高端人士)。另一种是根据单台POS的交易数据利用数据分析技术来防止套现，这种方法仍然效率低下，利用POS套现的商户仍然可以通过虚假交易数据来规避。
针对相关技术中对于基于POS进行套现难以识别的问题，目前尚未有有效的解决方案。
发明内容
以下是对本文详细描述的主题的概述。本概述并非是为了限制权利要求的保护范围。
本发明实施例提供了一种基于销售终端(POS)套现的确定方法及装置，解决了相关技术中基于POS进行套现难以识别的问题。
本发明实施例提供了一种基于销售终端POS套现的确定方法，包括：
在POS产生刷卡交易后，获取与所述卡绑定的终端识别号码；
获取与所述终端识别号码对应的移动终端在产生所述刷卡交易时的位置，以及所述移动终端所处位置的POS数量；
在所述移动终端所处位置的POS数量大于1时，根据所述位置与产生所述刷卡交易的POS的注册位置匹配的结果确定是否上报预警信息，和/或，根据所述卡在所述位置的多台POS的交易记录确定是否上报预警信息。
可选地，所述根据所述位置与所述POS注册位置匹配的结果确定是否上报预警信息包括：
在注册信息显示所述多台POS注册位置都相同，且所述移动终端所处位置与产生所述刷卡交易的POS的注册位置相匹配时，禁止上报所述预警信息；
在所述注册信息显示所述多台POS注册位置不都相同，且移动终端所处位置指示为非法经营场所时，上报所述预警信息。
可选地，根据所述卡在所述位置的多台POS的交易记录确定是否上报预警信息包括：
获取所述卡在所述位置的每台POS的交易记录；
在所述卡仅与多台所述POS中的部分POS产生刷卡交易，且所述刷卡交易在时间上具有关联的交易顺序时，上报所述预警信息；
在所述卡不存在与多台所述POS中的部分POS产生刷卡交易时，禁止上报所述预警信息。
可选地，所述终端识别号码包括手机号码。
可选地，所述卡包括以下至少之一：银行卡、信用卡。
本发明实施例提供了一种基于销售终端POS套现的确定装置，包括：
第一获取模块，设置为在POS产生刷卡交易后，获取与所述卡绑定的终端识别号码；
第二获取模块，设置为获取与所述终端识别号码对应的移动终端在产生所述刷卡交易时的位置，以及所述移动终端所处位置的POS数量；
确定模块，设置为在所述移动终端所处位置的POS数量大于1台时，根据所述位置与产生所述刷卡交易的POS的注册位置匹配的结果确定是否上报预警信息，和/或，根据所述卡在所述位置的多台POS的交易记录确定是否上报预警信息。
可选地，所述确定模块包括：
第一禁止单元，设置为在注册信息显示所述多台POS注册位置都相同，且所述移动终端所处位置与产生所述刷卡交易的POS注册位置匹配时，禁止上报所述预警信息；
第一上报单元，设置为在所述注册信息显示所述多台POS注册位置不都相同，且所述移动终端所处位置指示为非法经营场所时，上报所述预警信息。
可选地，所述确定模块包括：
获取单元，设置为获取所述卡在所述位置的每台POS的交易记录；
第二上报单元，设置为在所述卡仅与多台所述POS中的部分POS产生刷卡交易，且所述刷卡交易在时间上具有交易顺序时，上报所述预警信息；
第二禁止单元，设置为在所述卡不存在与多台所述POS中的部分POS产生刷卡交易时，禁止上报所述预警信息。
可选地，所述终端识别号码包括手机号码。
可选地，所述卡包括以下至少之一：银行卡、信用卡。
本发明实施例还提供一种计算机可读存储介质，所述计算机可读存储介质中存储有计算机可执行指令，所述计算机可执行指令被执行时实现基于销 售终端POS套现的确定方法。
通过本发明实施例的技术方案，在销售终端POS产生刷卡交易后，获取卡绑定的终端识别号码；获取与终端识别号码对应的移动终端的产生刷卡交易时的位置，以及移动终端所处位置的POS数量；在移动终端所处位置的POS的数量为多台时，根据该位置与POS注册位置的匹配结果和/或卡与多台POS的交易记录确定是否上报预警信息。上述技术方案通过产生交易的卡绑定的终端识别号码来确定该终端识别号码对应的终端的位置方式，使得识别POS机套现的方式更加高效，解决了相关技术中基于销售终端POS进行套现难以识别的问题。
在阅读并理解了附图和详细描述后，可以明白其它方面。
附图说明
此处所说明的附图用来提供对本发明实施例的进一步理解，构成本申请的一部分，本申请的示意性实施例及其说明用于解释本申请，并不构成对本申请的不当限定。在附图中：
图1是本发明实施例的基于销售终端(POS)套现的确定方法的流程图；
图2是本发明可选实施例的基于POS套现的确定装置的结构框图；
图3是本发明可选实施例的基于POS套现的确定装置的确定模块的结构框图；
图4是本发明可选实施例的基于POS套现的确定装置的确定模块的结构框图；
图5是本发明可选实施例的信用卡套现识别装置的结构框图；
图6是本发明可选实施例的装置与外部系统的布署以及连接方式示意图；
图7是本发明可选实施例的信用卡套现识别装置的结构框图。
具体实施方式
下文中将参考附图并结合实施例来详细说明本申请。需要说明的是，在不冲突的情况下，本申请中的实施例及实施例中的特征可以相互组合。
需要说明的是，本申请的说明书和权利要求书及上述附图中的术语“第一”、“第二”等是用于区别类似的对象，而不必用于描述特定的顺序或先后次序。
在本实施例中提供了一种基于销售终端(POS)套现的确定方法，图1是本发明实施例的基于POS套现的确定方法的流程图，如图1所示，该方法包括如下步骤：
步骤S102：在POS产生刷卡交易后，获取卡绑定的终端识别号码；
步骤S104：获取与终端识别号码对应的移动终端在产生刷卡交易时的位置信息，以及移动终端所处位置的POS数量；
步骤S106：在所述位置的POS数量为多台时，根据所述位置信息与该产生刷卡交易的POS的注册位置的匹配结果确定是否上报预警信息，和/或，根据卡与所述位置的每台POS的交易记录确定是否上报预警信息。
通过上述技术方案，在POS产生刷卡交易后，获取卡绑定的终端识别号码，进而获取与终端识别号码对应的移动终端在产生刷卡交易时的位置，以及移动终端所处位置的POS数量。在所述位置的POS数量为多台时，根据该位置与POS的注册位置的匹配结果，和/或，卡与所述位置的每台POS的交易记录确定是否上报预警信息。可见，在本实施例中通过与产生交易的卡绑定的终端识别号码来确定该终端识别号码对应的终端的位置的方式，使得识别POS套现的方式更加高效，解决了相关技术中基于POS进行套现难以识别的问题。
可选地，对于本实施例中步骤S106中可以通过如下方式实现根据位置与该POS的注册位置的匹配的结果确定是否上报预警信息：
在注册信息显示多台POS的注册位置都相同，且该位置与所述POS注册位置相符时，禁止上报预警信息；
在注册信息显示多台POS的注册位置不都相同时，且位置指示为非法经营场所时，上报预警信息。
可选地，对于本实施例步骤S106中可以通过如下方式实现根据卡与多台POS的交易记录确定是否上报预警信息：
获取卡与每台POS的交易记录；
在卡仅与多台POS中的部分POS产生刷卡交易，且数卡交易具有时间上有关联的交易顺序时，上报预警信息；
在卡不存在与多台POS中的部分POS产生刷卡交易时，禁止上报预警信息。
通过上述两种可选实施方式可知，在本实施例无论是根据POS注册位置，还是根据卡与每台POS的交易记录确定是否上报报警信息，都无需对相关的POS进行改造，可见本实施例中的技术方案高效而且快捷。
需要说明的是，本实施例中涉及到的终端识别号码可选为手机号码，此外，本实施例中涉及到的卡可以是：银行卡、信用卡。
通过以上的实施方式的描述，本领域的技术人员可以清楚地了解到根据上述实施例的方法可借助软件加必需的通用硬件平台的方式来实现，当然也可以通过硬件，但很多情况下前者是更佳的实施方式。基于这样的理解，本申请的技术方案本质上或者说对现有技术做出贡献的部分可以以软件产品的形式体现出来，该计算机软件产品存储在一个存储介质(如ROM/RAM、磁碟、光盘)中，包括若干指令用以使得一台终端设备(可以是手机，计算机，服务器，或者网络设备等)执行本发明实施例的方法。
在本实施例中还提供了一种基于销售终端POS套现的确定装置，该装置用于实现上述实施例及可选实施方式，已经进行过说明的不再赘述。如以下所使用的，术语“模块”可以实现预定功能的软件和/或硬件的组合。尽管以下实施例所描述的装置较佳地以软件来实现，但是硬件，或者软件和硬件的组合的实现也是可能并被构想的。
图2是本发明实施例的基于销售终端POS套现的确定装置的结构框图，如图2所示，该装置包括：
第一获取模块22，设置为在销售终端POS产生刷卡交易后，获取与卡绑 定的终端识别号码；
第二获取模块24，与第一获取模块22耦合连接，设置为获取与终端识别号码对应的移动终端在产生刷卡交易时的位置，以及移动终端所处位置的POS数量；
确定模块26，与第二获取模块26耦合连接，设置为在移动终端所处位置的POS的数量大于1台时，根据该位置与产生所述刷卡交易的POS的注册位置匹配的结果确定是否上报预警信息，和/或，根据卡在所述位置的每台POS的交易记录确定是否上报预警信息。
图3是本发明实施例的基于销售终端POS套现的确定装置的可选结构框，如图3所示，在图2所述基于销售终端POS套现的确定装置的基础上，确定模块26包括：
第一禁止单元32，设置为在注册信息显示多台POS为注册位置都相同，且位置与产生所述刷卡交易的POS的注册位置匹配时，禁止上报预警信息；
第一上报单元34，与第一禁止单元32耦合连接，设置为在注册信息显示多台POS注册位置不都相同，且所述位置指示为非法经营场所时，上报预警信息。
图4是根据本发明实施例的基于销售终端POS套现的确定装置的可选结构框，如图4所示，在图2所述基于销售终端POS套现的确定装置的基础上，确定模块26包括：
获取单元42，设置为获取卡在所述位置的每台POS的交易记录；
第二上报单元44，与获取单元42耦合连接，设置为在所述卡仅与所述每台POS中的特定一台或多台POS产生刷卡交易，且在所述特定一台或多台POS上的刷卡交易的时间具有交易顺序时，上报所述预警信息；
第二禁止单元46，与获取单元46耦合连接，设置为在所述卡不存在与所述每台POS中的特定一台或多台POS产生刷卡交易时，禁止上报所述预警信息。
可选地，本实施例中涉及到的终端识别号码包括手机号码。此外，本实施例中涉及到的卡可以是：银行卡、信用卡。
下面结合具体示例进一步本发明实施例的技术方案：
本示例提供了一种信用卡套现识别系统，图5是本示例的信用卡套现识别装置的结构框图，如图5所示，该装置包括：套现分析模块和位置服务模块，其中套现分析模块与金融机构的交易处理系统交互；位置服务模块与电信运营商位置服务业务系统交互；交易处理系统是指现存在的POS交易处理系统、银行卡交易管理系统等等，指与本系统有交互的金融机构所有系统。
需要说明的是，本示例中的位置服务模块对应上述实施例中的第二获取模块；套现分析模块对应上述实施例中的第一获取模块和确定模块。图6是根据本示例的装置与外部系统的布署以及连接方式示意图，如图6所示，系统的每个模块均依托于服务器运行，该系统可在一台或多台服务器上运行，与交易处理系统及运营商位置服务业务系统通过因特网(Internet)方式连接，便于在全国分布式处理和管理。为保证信息传输的安全性，信用卡套现识别系统与交易处理系统、运营商位置服务业务系统可采用VPN(Virtual Private Network，虚拟专网)或其它安全传输技术。
基于本示例的信用卡套现识别装置，本示例还提供了一种信用卡套现确定方法，该方法的步骤包括：
步骤S202：当POS机产生刷卡交易时，交易处理系统将交易相关信息和POS终端相关信息通过网络传送给套现分析模块；其中，交易信息中包含有刷卡消费用户绑定的手机号(或其它类似利用移动网络的终端的识别号)等。
步骤S204：套现分析模块接收到相关信息后，提取卡主信用卡绑定的手机号码，将其发送给位置服务模块；
步骤S206：位置服务模块从运营商位置服务业务系统获取手机的定位信息；
步骤S208：信用卡套现识别系统根据手机号码获取该手机的即时位置后，再综合POS终端相关注册位置或卡主其它交易信息，进行套现识别判断，如果存在套现可能，则发出“套现预警”。其中，如果该位置发现多台POS机，且注册位置与所述产生刷卡交易的POS的位置不符，则可能该位置为套现窝 点，如果该位置POS机为一台或多台，则查询刷卡者的所有卡的相关交易记录，如果记录显示该刷卡者交易总与特定几台POS机相关，且存在每个卡在时间上有关联交易顺序等，则可能为个人恶意套现。
下面结合具体应用场景对本示例的技术方法进行详细说明：
图7是本发明场景的信用卡套现识别系统的结构框，如图7所示，本场景下可将套现分析模块在软件上更细分为接口模块、银行卡手机绑定分析模块、套现识别模块三部分；其中，接口模块与交易处理系统交互，有效隔离不同交易处理系统的变化，以保证系统核心部分即套现识别模块受到的影响小；银行卡手机绑定分析模块用于过滤那些银行卡与手机经常分离的交易，这些交易会增加系统对于套现识别的误判率。
基于图7中信用卡套现识别装置，在本场景中，信用卡套现识别方法包括如下步骤：
步骤S302：POS机刷卡消费，接口模块从交易处理系统获取刷卡交易信息(如：卡号、持卡人手机号等)及POS终端相关信息(如商户代码及终端号、注册登记地址等)；
步骤S304：接口模块提取卡主手机号等信息后，发送给银行卡手机绑定分析模块进行卡号、手机号绑定分析；
其中，如果该用户手机与卡属于长期分离状态，则表明该用户卡暂时对于信用卡套现识别无效；如果该用户手机与卡常期一起携带，则表明该用户卡对于信用卡套现识别有效；记录分析结果。
步骤S306：接口模块将卡号与手机绑定分析的结果及其它信息发送给套现识别模块，套现识别模块根据此结果；
其中，如果卡与手机是分离状态，则本次信用卡套现识别终止；如果卡与手机是绑定状态，则需查询当前手机位置。
步骤S308：套现识别模块向位置服务模块查询手机位置；
步骤S310：位置服务模块分析手机号，向对应的运营商位置服务业务系统查询该手机号的定位信息；
步骤S312：套现识别模块获取手机位置后，将该POS机标记为该位置， 并以该位置查询该位置的所有POS机。其中，如果该位置出现多台POS机且明显非商户聚集地，则可能为非法套现窝点；如果多台POS机登记地址均不相同，则更可能是非法套现窝点，系统输出“套现预警”，由相关专家作更进一步判断；如果该位置仅一台或几台POS机；a.查询该POS机的交易记录，如果交易量少且其中某个交易者(持有多卡)交易频次偏高，则可能是个人养卡套现者，通过以持卡者姓名查询其持有的所有银行卡交易记录分析佐证(如该持卡者总在特定几台POS机消费，其所持有卡间时间上有关联交易顺序等)，并输出“套现预警”；记录POS机位置及卡信息，用于后续查询。
通过本可选实施例，克服相关技术中存在的对信用卡套现检测纯粹依赖数据分析技术，难以发现专业、职业套现的问题和缺陷，提供一种更高效的以消费位置为主、数据分析技术为辅的方案来侦查信用卡套现的方法和装置，使得能够更加确定职业信用卡套现方式。
需要说明的是，上述各个模块是可以通过软件或硬件来实现的，对于后者，可以通过以下方式实现，但不限于此：上述模块均位于同一处理器中；或者，上述模块分别位于多个处理器中。
本发明实施例还提供一种计算机可读存储介质，所述计算机可读存储介质中存储有计算机可执行指令，所述计算机可执行指令被执行时实现基于POS套现的确定方法。
显然，本领域的技术人员应该明白，上述的本申请的各模块或各步骤可以用通用的计算装置来实现，它们可以集中在单个的计算装置上，或者分布在多个计算装置所组成的网络上，可选地，它们可以用计算装置可执行的程序代码来实现，从而，可以将它们存储在存储装置中由计算装置来执行，并且在某些情况下，可以以不同于此处的顺序执行所示出或描述的步骤，或者将它们分别制作成各个集成电路模块，或者将它们中的多个模块或步骤制作成单个集成电路模块来实现。这样，本申请不限制于任何特定的硬件和软件结合。
以上所述仅为本申请的优选实施例而已，并不用于限制本申请，对于本领域的技术人员来说，本申请可以有各种更改和变化。凡在本申请的精神和 原则之内，所作的任何修改、等同替换、改进等，均应包含在本申请的保护范围之内。
工业实用性
上述技术方案可以有效识别POS套现。

Claims (10)

  1. 一种基于销售终端POS套现的确定方法，包括：
    在POS产生刷卡交易后，获取与所述卡绑定的终端识别号码；
    获取与所述终端识别号码对应的移动终端在产生所述刷卡交易时的位置，以及所述移动终端所处位置的POS数量；
    在所述移动终端所处位置的POS数量大于1时，根据所述位置与产生所述刷卡交易的POS的注册位置匹配的结果确定是否上报预警信息，和/或，根据所述卡在所述位置的多台POS的交易记录确定是否上报预警信息。
  2. 根据权利要求1所述的方法，其中，所述根据所述位置与产生所述刷卡交易的POS注册位置匹配的结果确定是否上报预警信息包括：
    在注册信息显示所述多台POS注册位置都相同，且所述移动终端所处位置与产生所述刷卡交易的POS的注册位置相匹配时，禁止上报所述预警信息；
    在所述注册信息显示所述多台POS注册位置不都相同，且所述移动终端所处位置指示为非法经营场所时，上报所述预警信息。
  3. 根据权利要求1所述的方法，其中，根据所述卡在所述位置的多台POS的交易记录确定是否上报预警信息包括：
    获取所述卡在所述位置的每台POS的交易记录；
    在所述卡仅与多台所述POS中的部分POS产生刷卡交易，且所述刷卡交易在时间上具有关联的交易顺序时，上报所述预警信息；
    在所述卡不存在与多台所述POS中的部分POS产生刷卡交易时，禁止上报所述预警信息。
  4. 根据权利要求1至3任一项所述的方法，其中，所述终端识别号码包括手机号码。
  5. 根据权利要求1至3任一项所述的方法，其中，所述卡包括以下至少之一：银行卡、信用卡。
  6. 一种基于销售终端POS套现的确定装置，包括：
    第一获取模块，设置为在POS产生刷卡交易后，获取与所述卡绑定的终 端识别号码；
    第二获取模块，设置为获取与所述终端识别号码对应的移动终端在产生所述刷卡交易时的位置，以及所述移动终端所处位置的POS数量；
    确定模块，设置为在所述移动终端所处位置的POS数量大于1台时，根据所述位置与产生所述刷卡交易的POS的注册位置匹配的结果确定是否上报预警信息，和/或，根据所述卡在所述位置的台POS的交易记录确定是否上报预警信息。
  7. 根据权利要求6所述的装置，其中，所述确定模块包括：
    第一禁止单元，设置为在注册信息显示所述多台POS注册位置都相同，且所述移动终端所述位置与产生所述刷卡交易的POS注册位置匹配时，禁止上报所述预警信息；
    第一上报单元，设置为在所述注册信息显示所述多台POS注册位置不都相同，且所述移动终端位置指示为非法经营场所时，上报所述预警信息。
  8. 根据权利要求6所述的装置，其中，所述确定模块包括：
    获取单元，设置为获取所述卡在所述位置的每台POS的交易记录；
    第二上报单元，设置为在所述卡仅与多台所述POS中的部分POS产生刷卡交易，且所述刷卡交易在时间上具有交易顺序时，上报所述预警信息；
    第二禁止单元，设置为在所述卡不存在与多台所述POS中的部分POS产生刷卡交易时，禁止上报所述预警信息。
  9. 根据权利要求6至8任一项所述的装置，其中，所述终端识别号码包括手机号码。
  10. 根据权利要求6至8任一项所述的装置，其中，所述卡包括以下至少之一：银行卡、信用卡。
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