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Pre-transaction risk control method and device, electronic equipment and medium

A risk control and transaction technology, applied in the risk control and financial fields, can solve the problems of lack of ex-ante risk control and inability to achieve pre-transaction risk control, and achieve the effect of improving security

Pending Publication Date: 2022-05-27
INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] In the process of realizing the concept of this disclosure, the inventor found that the current new generation of local currency trading system in the trading center lacks effective risk control in advance, resulting in operational risks such as "black dragon finger", which cannot achieve the purpose of risk control in advance of transaction

Method used

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  • Pre-transaction risk control method and device, electronic equipment and medium
  • Pre-transaction risk control method and device, electronic equipment and medium
  • Pre-transaction risk control method and device, electronic equipment and medium

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0067] Pledge-style repurchase request quotes increase ex-ante control:

[0068] 1. The counterparty initiates a pledged repurchase request quotation in the new generation local currency trading system, and the two parties reach an agreement on the transaction quotation. To detect, at this time, the internal system obtains the transaction data through the standard bridging interface, and extracts the corresponding transaction elements for the type of transaction data, and the approval unit approves the transaction elements. Only approved quotations or transaction confirmation transactions can continue to complete the follow-up process. If the approval is not passed, it will not be sent to the new generation of local currency trading system of the trading center.

[0069] 2. The local trader initiates a pledge-style repurchase request quotation in the new generation of local currency trading system. When the trader submits the pledge bond and clicks "submit", the client of the ...

Embodiment 2

[0071] Pledge-style repurchase anonymous quotes increase prior control:

[0072] 1. The counterparty initiates a pledge-style repurchase anonymous quotation in the new generation local currency trading system. The two parties reach an agreement on the transaction quotation. The elements are detected. At this time, the internal system obtains the transaction data through the standard bridging interface, and extracts the corresponding transaction elements for the type of transaction data, and the approval unit approves the transaction elements. Only approved quotations or transaction confirmation transactions can continue to complete the follow-up process. If the approval is not passed, it will not be sent to the new generation of local currency trading system of the trading center.

[0073] 2. The local trader initiates an anonymous quote for pledged repurchase. When the local trader clicks "Save" and "Submit", the client of the new generation local currency trading system inte...

Embodiment 3

[0075] Inter-bank lending dialogue quotes increase prior control:

[0076] 1. When the counterparty initiates an interbank lending dialogue quotation, when the local trader clicks "deal", the client of the new generation local currency trading system intercepts the transaction data, and the system detects the transaction elements. At this time, the internal system obtains the transaction through the standard bridge interface transaction data, and extract corresponding transaction elements for the type of transaction data, and the approval unit approves the transaction elements. Only approved quotations or transaction confirmation transactions can continue to complete the follow-up process. If the approval is not passed, it will not be sent to the new generation of local currency trading system of the trading center.

[0077] 2. The local trader initiates an interbank lending dialogue quotation. When the local trader clicks "Submit", the client of the new generation local curre...

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Abstract

The invention provides a pre-transaction risk control method which can be applied to the risk control field of the financial field. The transaction pre-transaction risk control method comprises the following steps: a client of an external transaction system intercepts transaction data, wherein the transaction data is data sent by a trader through the client of the external transaction system; the internal system obtains transaction elements through an interface, and the transaction elements are obtained based on the intercepted transaction data; and the examination and approval unit examines and approves the transaction elements. The invention further provides a transaction pre-risk control device and equipment, a storage medium and a program product.

Description

technical field [0001] The present disclosure relates to the financial field, specifically to the field of risk control, and more specifically to a pre-transaction risk control method, device, equipment, medium and program product. Background technique [0002] Bank interbank lending transactions and bond repurchase transactions (including pledged repurchase transactions and outright repurchase transactions) are all completed through the local currency trading system of the foreign exchange trading center. The foreign exchange trading center upgraded the local currency trading system in 2019. Currently Interbank lending transactions, bond repurchase transactions, etc. have been transferred to the new generation of local currency trading system. [0003] In the process of realizing the concept of this disclosure, the inventor found that the current new generation of local currency trading system of the trading center lacks effective risk control in advance, resulting in the e...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/40G06Q40/02G06Q40/04
CPCG06Q20/4016G06Q40/02G06Q40/04
Inventor 莫文扬张玉胡冉吴择琦
Owner INDUSTRIAL AND COMMERCIAL BANK OF CHINA