Repeated transaction risk monitoring method and device and computer readable storage medium

A risk monitoring and trading technology, applied in the field of transaction processing, can solve problems such as repeated transaction monitoring

Pending Publication Date: 2019-08-16
CHINA UNIONPAY
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0005] Aiming at the problem that it is difficult to monitor some of the repeated transactions in different batches of batch transaction messages in the above-mentioned prior art, a method, device, system and computer-readable storage medium for monitoring the risk of repeated transactions are proposed, using This method, device, system and computer-readable storage medium can solve the above-mentioned problems

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  • Repeated transaction risk monitoring method and device and computer readable storage medium
  • Repeated transaction risk monitoring method and device and computer readable storage medium
  • Repeated transaction risk monitoring method and device and computer readable storage medium

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Embodiment Construction

[0059] Exemplary embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings. Although exemplary embodiments of the present disclosure are shown in the drawings, it should be understood that the present disclosure may be embodied in various forms and should not be limited by the embodiments set forth herein. Rather, these embodiments are provided for more thorough understanding of the present disclosure and to fully convey the scope of the present disclosure to those skilled in the art.

[0060] In the present invention, it should be understood that terms such as "comprising" or "having" are intended to indicate the presence of features, numbers, steps, acts, components, parts or combinations thereof disclosed in the specification, and are not intended to exclude one or multiple other features, numbers, steps, acts, parts, parts or combinations thereof.

[0061] In addition, it should be noted that, in the case of n...

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Abstract

The invention provides a repeated transaction risk monitoring method, a repeated transaction risk monitoring device and a computer readable storage medium. The method comprises the following steps: acquiring to-be-detected batch transaction messages sent by the same monitoring object at a specified moment and historical transaction messages sent before the specified moment; determining a similarity index between the to-be-tested batch transaction message and the historical transaction message according to the specified message content; comparing the similarity index with a preset similarity threshold value to judge whether the to-be-tested batch transaction message has a repeated transaction risk or not. By utilizing the method, the condition of partial repeated transactions possibly existing in batch transaction messages uploaded in different batches can be monitored, so that the risk of repeated transactions can be more sensitively prompted, and the economic loss is avoided.

Description

technical field [0001] The invention belongs to the technical field of transaction processing, and in particular relates to a repeated transaction risk monitoring method, device and computer-readable storage medium. Background technique [0002] This section is intended to provide a background or context for implementations of the invention that are recited in the claims. The descriptions herein are not admitted to be prior art by inclusion in this section. [0003] In the financial field, "forwarding real-time" is a common way to process batch business, and usually refers to a technology that converts pending batch transactions into real-time transactions for processing. For example, the transaction message is transmitted between the acceptance institution and the UnionPay system in the form of batch files, while the transaction message is transmitted between the UnionPay system and the card issuer in the form of online message. However, due to abnormalities such as insuf...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/40G06K9/62
CPCG06Q20/4016G06F18/22
Inventor 李晓刚郑建宾赵金涛刘红宝汤韬
Owner CHINA UNIONPAY
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