The present invention relates to the technical field of financial transactions, and in particular, to an abnormal fund flow monitoring and
management system based on behavior
perception. The
system comprises a
bank card status acquisition module, a cardholder behavior information pre-acquisition module, an actual controller identity
authentication module, and an idle card disposal management module, wherein: the
bank card status acquisition module acquires the cardholder's usage habits, and identifies the common
bank cards and idle bank cards under the cardholder's name based on the usage habits; in the abnormal fund flow monitoring and
management system based on behavior
perception, the cardholder's transaction habits in normal transactions are acquired by using the trial information, and when an idle bank card transaction occurs, the cardholder is placed in a monitorable environment by adding a
verification location, and the actual behavior of the cardholder during the idle bank card transaction is acquired by using the monitorable environment, and then the idle bank card's fund behavior is judged based on the transaction habits, thereby reducing the false freezing rate of the idle bank card.