Transaction data-based anti-fraud monitoring method and device

Abstract

The invention provides a transaction data-based anti-fraud monitoring method, which comprises the following steps of: receiving a business transaction request submitted by a client through a client terminal; verifying legality of the business transaction request; if the verification is passed, performing data evaluation on the current business transaction request of the client and a previously stored transaction data file of the client to determine an evaluation value of the current business transaction request; comparing the determined evaluation value with a predetermined threshold value; and determining that the current business transaction request is suspicious fraudulent transaction if the determined evaluation value exceeds the predetermined threshold value. The invention also provides a corresponding device. By implementing the method and the device provided by the invention, the security of business transaction can be improved on the data level of business transaction data analysis.

Description

technical field [0001] The invention relates to the field of data processing, in particular to an anti-fraud monitoring method and system based on transaction data. Background technique [0002] As a brand-new financial service channel, online banking is of great significance to social progress, to customers, and to the bank itself. But at the same time, with the rapid development of network technology, the processing of online banking business is faced with many security risks, such as Trojan horse attacks, man-in-the-middle attacks, phishing attacks, malicious code attacks, etc. Domestic banks usually use USB (Universal Serial Bus, Universal Serial Bus) Key to ensure the security of online banking clients, but the existing USB Key is used as a passive signature certificate carrier, and it is impossible to know whether the initiator of the digital signature is legal Neither the user nor the Trojan horse program can know whether the signature data submitted to the USB Key h...

AI Technical Summary

Problems solved by technology

Domestic banks usually use USB (Universal Serial Bus, Universal Serial Bus) Key to ensure the security of online banking clients, but the existing USB Key is used as a passive signature certificate carrier, and it is impossible to know whether the initiator of the digital signature is legal Neither the user nor the Trojan horse program can know whether the signature data submitted to the USB Key has been illegally tampered with by hackers before being transmitted to the USB Key

[0003] As network security risks become more and more diverse, a single USB Key can no longer meet the security needs of online banking transactions, and new security technology solutions are urgently needed to deal with the security risks of more and more diverse online banking transactions

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