Method and system for monitoring electronic bank risks

Abstract

The invention discloses a method and a system for monitoring electronic bank risks, wherein the method comprises the following steps of: collecting trading information on-line traded by an electronic channel through a channel trading system by a risk monitoring subsystem, identifying risks for the trading information according to at least a risk rule, obtaining a result value, judging whether risk monitoring data need to be generated according to the relation between the result value and a risk threshold value, and if so, generating the risk monitoring data according to the trading information and sending the risk monitoring data to the channel trading system; and when a customer initiates on-line trading through the electronic channel, the channel trading system monitors the risks of the on-line trading according to the risk monitoring data. The risk identification of the trading information for electronic banks is carried out through the risk monitoring subsystem, and real-time risk monitoring for the on-line trading is carried out through the channel trading system according to the result of risk identification, thereby reducing the trading risks of each channel of the electronic banks and enhancing the security of customer trading.

Description

Technical field [0001] The invention relates to the field of electronic finance, and more specifically, to an electronic bank risk monitoring method and system. Background technique [0002] E-banking is an extension of the bank’s traditional counter business, enabling banks to no longer be restricted by business locations and business hours, and provide people with the financial services they need at any time. At the same time, electronic banking is also facing many security risks, such as Trojan horse attacks, phishing attacks, malicious code attacks, man-in-the-middle attacks, behavioral fraud, etc. If these risks are not avoided in time, the interests of the bank and its customers will be violated to a large extent And cause unnecessary economic losses. [0003] At present, in order to avoid the financial risks of electronic banking, there are risk monitoring systems for individual products of banks, such as credit card risk monitoring systems. However, although the risk moni...

AI Technical Summary

Problems solved by technology

However, although the risk monitoring system of these individual products can monitor the risks of these individual products in a targeted manner, it does not consider the risk monitoring of various channels of e-banking at the head office level as a whole, and cannot comprehensively and effectively protect banks. and the financial security of its customers

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