Method and device for controlling risk of transfer transaction
A risk control and transaction technology, applied in instruments, finance, data processing applications, etc., can solve problems such as insignificant actual effects, large manual workload, and the inability of the transfer transaction risk control system to provide technical judgments, so as to reduce the occurrence of risks. probability, and the effect of improving user experience
Inactive Publication Date: 2015-10-28
CHINA UNIONPAY
View PDF4 Cites 31 Cited by
- Summary
- Abstract
- Description
- Claims
- Application Information
AI Technical Summary
Problems solved by technology
[0004] However, the existing transfer transaction risk control system is completely unable to provide technical judgments on whether the transfer-in financial account is credible and whether the transfer-out financial account falls into a fraudulent transfer transaction, and it completely depends on the transfer-out financial account user himself for human identification
[0005] In the existing technology, the verification of the credibility of financial accounts is at most collected through manual verification of user identity information (such as ID cards, photos). This method of manually verifying user identity information is not only a manual work The large amount also affects the convenience of transactions, and the actual effect is not obvious
Method used
the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
View moreImage
Smart Image Click on the blue labels to locate them in the text.
Smart ImageViewing Examples
Examples
Experimental program
Comparison scheme
Effect test
Embodiment Construction
[0040] The following introduces some of the possible embodiments of the present invention, which are intended to provide a basic understanding of the present invention, but are not intended to identify key or decisive elements of the present invention or limit the scope of protection. It is easy to understand that, according to the technical solution of the present invention, those skilled in the art may propose other alternative implementation manners without changing the essence and spirit of the present invention. Therefore, the following specific embodiments and drawings are only exemplary descriptions of the technical solution of the present invention, and should not be regarded as the entirety of the present invention or as a limitation or restriction on the technical solution of the present invention.
[0041] figure 1 Shown is a schematic flowchart of a risk control method for transfer transactions according to an embodiment of the present invention. In the transfer t...
the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More PUM
Login to View More Abstract
The invention belongs to the technical field of transfer transactions, and relates to a risk control method and apparatus for transfer transactions. The risk control of transfer transactions obtains an account relationship chart according to historical transfer transaction data, and further calculates the shortest distance value between a source financial account and a destination financial account so as to evaluate the risk level of the transfer transaction. The risk control method for transfer transactions can reduce the risk of transfer transactions and provide excellent user experience.
Description
technical field [0001] The invention belongs to the technical field of transfer transactions, and relates to the risk control of transfer transactions, in particular to obtaining an account relationship diagram based on historical transfer transaction data, and then obtaining the shortest distance value between the transfer-out financial account and the transfer-in financial account to determine the transfer transaction A risk control method and device for a transfer transaction rated according to the risk level. Background technique [0002] In the process of transfer transactions by financial users, the security of transfers is the primary concern of each user when a transfer occurs. However, the security and convenience of transfer transactions are usually contradictory. [0003] In the risk control method of transfer transactions, the existing technology adopts technical means to improve the security of the transfer process. For example, in the patent of Chinese Patent A...
Claims
the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More Application Information
Patent Timeline
Login to View More Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
CPCG06Q40/00
Inventor 万四爽刘国宝尹亚伟
Owner CHINA UNIONPAY