Method and system for monitoring electronic bank risks

A technology of electronic banking and monitoring system, applied in the fields of electronic digital data processing, instruments, finance, etc., can solve the problem of not being able to comprehensively and effectively protect the financial security of banks and their customers, and achieve the effect of reducing transaction risks and enhancing security.

Inactive Publication Date: 2010-05-12
CHINA CONSTRUCTION BANK
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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 mon

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  • Method and system for monitoring electronic bank risks
  • Method and system for monitoring electronic bank risks
  • Method and system for monitoring electronic bank risks

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Embodiment Construction

[0024] In order to make the objectives, technical solutions and advantages of the embodiments of the present invention clearer, the present invention will be further described in detail below in conjunction with the accompanying drawings.

[0025] figure 1 It is a flowchart of an electronic bank risk monitoring method of the present invention. Such as figure 1 As shown, the method includes:

[0026] S101: The risk monitoring subsystem collects transaction information of online transactions on electronic channels through the channel transaction system.

[0027] Specifically, the risk monitoring subsystem collects transaction information of electronic channel online transactions initiated by customers through the channel transaction system at a certain frequency, where the transaction information includes customer information, accounting information, flow transactions, customer transaction environment and other information . It should be noted that the frequency can be set by the ris...

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PUM

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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...

Claims

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Application Information

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IPC IPC(8): G06Q40/00G06F21/00G06F21/50G06Q40/02
Inventor 陈林李彬陈芝佳臧桂鹏汪如海袁媛余挈张唐海柯丽徐光超
Owner CHINA CONSTRUCTION BANK
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