Processing method and system for risk monitoring and controlling of transaction data

A technology of transaction data and processing methods, applied in the field of communication, can solve problems such as low resource efficiency, error-prone, flexible calculation, etc., and achieve the effects of saving economic costs, improving accuracy and efficiency, and improving efficiency and effectiveness
CN101976419AInactive Publication Date: 2011-02-16INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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Patent Information

Authority / Receiving Office
CN · China
Patent Type
Applications(China)
Current Assignee / Owner
INDUSTRIAL AND COMMERCIAL BANK OF CHINA
Publication Date
2011-02-16
Estimated Expiration
Not applicable · inactive patent

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Abstract

The embodiment of the invention discloses a processing method and a system for risk monitoring and controlling of the transaction data. The method comprises the following steps: receiving the transaction data generated in the business processing information; calling the related transaction data of the transaction data according to the transaction data; calculating the risk monitoring index data threshold value according to the transaction data and the related transaction data; judging that the business processing information generating the transaction data is quasi-risk business processing information when the transaction data is more than the risk monitoring index data threshold value; and setting the quasi-risk business processing information into the risk business processing information. The method and the system of the invention can automatically generate a risk control threshold value, identifies and controls the risk according to the different conditions, can provide a risk monitoring process flow and a rule improvement mechanism, thus saving the economic cost, improving the accuracy and the efficiency of the risk event checking, and greatly improving the monitoring efficiency and effect of the banking business risks.
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Description

technical field

[0001] The invention relates to the technical field of communications, in particular to a risk monitoring and processing method and system for transaction data. Background technique

[0002] With the development of the times, the banking industry is developing faster and faster, and the informatization of banking transaction data is also an inevitable trend.

[0003] In the process of bank operation, various business risks will also be encountered. Bank business risk refers to the possibility of the bank's assets and expected income suffering losses due to the influence of various uncertain factors in the process of operation; and After the informatization of transaction data in modern commercial banks, it is required to have greater risk monitoring capabilities than a single enterprise, so as to discover, defend, and control risks in time to maintain stable development.

[0004] The existing ways and defects of bank transaction data risk monitoring are main...

Claims

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