Transaction risk control method and system

A risk control and transaction technology, applied in the field of transaction risk control methods and systems, can solve the problems of high capital risks and the inability of banks to effectively control the transaction risks of low-risk group customers, and achieve the effect of controlling transaction risks.

Pending Publication Date: 2022-08-02
BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

For many low-risk group customers, this limit is too high, and the risk for their funds is relatively high, which means that banks currently cannot effectively control the transaction risks of low-risk group customers

Method used

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  • Transaction risk control method and system
  • Transaction risk control method and system
  • Transaction risk control method and system

Examples

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Embodiment Construction

[0020] In order to make the purposes, technical solutions and advantages of the embodiments of the present invention clearer, the embodiments of the present invention will be further described in detail below with reference to the accompanying drawings. Here, the exemplary embodiments of the present invention and their descriptions are used to explain the present invention, but not to limit the present invention.

[0021] figure 1 It is a schematic flowchart of the risk control method of the transaction in the embodiment of the present invention, such as figure 1 As shown, the method includes the following steps:

[0022] Step 101: The server receives the user's transaction reservation application; the transaction reservation application includes the reserved transaction time range, geographic location range and maximum transaction amount; when determining that the user is a low-resource user according to the transaction reservation application, determine the user to which th...

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PUM

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Abstract

The invention discloses a transaction risk control method and system, and relates to the technical field of artificial intelligence, and the method comprises the steps: a server determines the type of a user when determining that the user is a low-resource user according to a reservation application; when it is determined that the reservation transaction is a low-risk transaction according to the category, generating a low-risk identifier for the transaction, and converting the transaction reservation application into a hash value; uploading the hash value, the corresponding low-risk identifier and the highest transaction amount to a block chain, and sending the hash value to the user in the form of a graphic code; when the bank self-service terminal receives an actual transaction request of a user, the graphic code shown by the user is obtained; extracting a hash value from the graphic code; and if the hash value exists in the block chain, according to the low-risk identifier corresponding to the hash value and the maximum transaction amount, allowing the user to complete an actual transaction lower than the maximum transaction amount. According to the invention, the transaction risk of the low-resource group can be effectively controlled, and the customer experience of the low-resource group is not reduced.

Description

technical field [0001] The invention relates to the technical field of artificial intelligence, in particular to a transaction risk control method and system. Background technique [0002] This section is intended to provide a background or context to the embodiments of the invention recited in the claims. The descriptions herein are not admitted to be prior art by inclusion in this section. [0003] The current bank transaction limit is mainly aimed at risk control of large-value transactions, including the regulations on transaction amount by regulatory agencies to prevent illegal acts such as fraud. For many low-risk group customers, this limit is too high, and the risk to their funds is relatively high, that is, at present, banks cannot effectively control the transaction risk of low-risk group customers. SUMMARY OF THE INVENTION [0004] An embodiment of the present invention provides a transaction risk control method to effectively control the transaction risk of a...

Claims

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Application Information

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IPC IPC(8): G06Q40/08G06Q40/02G06F21/36G06F21/64G06F17/18
CPCG06Q40/08G06Q40/02G06F21/36G06F21/64G06F17/18
Inventor 朱江波赵书祥池振强
Owner BANK OF CHINA
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