Risk early warning method and device

Abstract

The present invention discloses a risk warning method and device, and relates to the field of computer technology. A specific implementation of the method includes: obtaining a target transaction file; wherein the target transaction file includes target serial number information, and the target serial number information includes multiple target serial numbers; comparing the multiple target serial numbers with the serial numbers in the branch inventory to determine whether the target transaction file meets the preset warning conditions; if the target transaction file meets the warning conditions, generating target warning information corresponding to the target transaction file. This implementation method can provide in-process warning and post-event audit of suspicious transactions through the serial number warning mechanism, effectively realize the monitoring of cash risks such as false withdrawal and deposit of cash, false transfer between tellers, etc., and make up for the loopholes caused by the complex process of the banking system.

Description

Technical Field

[0001] The present invention relates to the field of computer technology, and in particular to a risk early warning method and device. Background Art

[0002] With the continuous development of social economy and banking industry, the amount and flow of daily bank counter transactions are getting bigger and bigger. In recent years, there have been many cases of bank employees misappropriating funds, most of which are using personal trunks to conduct virtual withdrawal and virtual deposit transactions to achieve cash misappropriation. At present, it is usually necessary to rely on manual prevention of virtual withdrawal and virtual deposit incidents. However, due to the particularity of the banking industry, there are many and complex processes, manual monitoring is prone to loopholes, and the cost is high. Therefore, how to prevent virtual withdrawal and virtual deposit incidents, identify suspicious transactions, and effectively monitor cash risks is an urgent issue to enhance the risk prevention capabilities of banks. Summary of the invention

[0003] In view of this, an embodiment of the present invention provides a risk warning method and device, which, through the prefix number warning mechanism, can provide in-process warning and post-audit for suspicious transactions, effectively monitor cash risks such as false withdrawal and deposit of cash, false transfers between tellers, etc., and make up for the loopholes caused by the complex processes of the banking system.

[0004] To achieve the above object, according to one aspect of an embodiment of the present invention, a risk early warning method is provided, comprising:

[0005] Obtaining a target transaction file; wherein the target transaction file includes target serial number information, and the target serial number information includes multiple target serial numbers;

[0006] Compare the multiple target serial numbers with the serial numbers in the branch inventory to determine whether the target transaction file meets the preset warning condition;

[0007] If the repetition rate of the target transaction file meets the warning condition, warning information corresponding to the target transaction file is generated, and target warning information corresponding to the target transaction file is generated.

[0008] Optionally, the target transaction file includes payment direction information;

[0009] Comparing the multiple target serial numbers with the serial numbers in the branch inventory to determine whether the target transaction file meets the preset warning condition includes:

[0010] Determining the type of target transaction corresponding to the target transaction file according to the payment direction information;

[0011] If it is determined that the type of the target transaction is a deposit transaction, then the repetition rate of the multiple target serial numbers is calculated; if the repetition rate is greater than or equal to a preset threshold, then it is determined that the target transaction file meets the warning condition;

[0012] If it is determined that the type of the target transaction is a withdrawal transaction, it is determined whether the multiple target serial numbers are recorded in the branch inventory. If there are N target serial numbers that are not in the branch inventory, it is determined that the target transaction file meets the warning condition; wherein N is an integer greater than 1 or equal to 1.

[0013] Optionally, the method further comprises generating a transaction file to be identified according to the following process:

[0014] Collect serial number information of banknotes passing through the banknote counting machine;

[0015] The serial number information is bound to the transaction information to generate a transaction file to be identified.

[0016] Optionally, the transaction file to be identified includes a TXT file and an FSN file, wherein the TXT file includes transaction information and the FSN file includes a serial number to be identified.

[0017] Optionally, after generating the transaction file to be identified, the method further includes: recording the transaction file to be identified in a file registration table.

[0018] Optionally, obtaining the target transaction file includes: inserting the transaction file to be identified recorded in the file registration table into the file queue in the order of records; obtaining the transaction file to be identified at the head of the file queue, and using the transaction file to be identified at the head of the file queue as the target transaction file.

[0019] Optionally, recording the transaction file to be identified in a file registration table includes: determining whether to generate virtual memory warning information based on the transaction file to be identified; if so, generating virtual memory warning information and recording the transaction file to be identified in the file registration table; if not, recording the transaction file to be identified in the file registration table.

[0020] Optionally, the transaction file to be identified further includes payment direction information;

[0021] Determining whether to generate virtual deposit warning information based on the transaction file to be identified includes: determining whether the transaction corresponding to the transaction file to be identified is a deposit transaction based on the payment direction information; if so, comparing the serial number to be identified in the transaction file to be identified with the serial number in the branch inventory, and generating virtual deposit warning information if the serial number to be identified exists in the branch inventory.

[0022] Optionally, after generating the virtual memory warning information, the method further includes: outputting the virtual memory warning information so as to enable manual processing of the virtual memory warning information.

[0023] Optionally, the target transaction file also includes transaction amount information;

[0024] Before comparing the target serial number information with the serial number data in the branch inventory, the method further includes: determining that the target serial number information is consistent with the transaction amount information.

[0025] Optionally, the method further includes: when it is determined that the target serial number information is inconsistent with the transaction amount information, determining whether the target serial number in the target serial number information exists in the branch inventory; if so, deleting the target serial number from the branch inventory; if not, writing the target serial number into the branch inventory.

[0026] Optionally, the target transaction file also includes payment direction information;

[0027] After generating the warning information corresponding to the target transaction file, the method further includes: writing the multiple target serial numbers into the branch inventory or deleting the multiple target serial numbers from the branch inventory according to the payment direction information.

[0028] Optionally, the method further includes: determining whether the target serial number in the branch inventory satisfies a preset warning rule; if so, generating first warning information corresponding to the target serial number.

[0029] Optionally, the target serial number information further includes the status of the multiple target serial numbers, and the status includes unsettled;

[0030] Determining whether the target serial number in the branch inventory meets the preset early warning rules includes: determining whether there is a target serial number in the branch inventory with an unsettled status; if so, determining the existence time of the target serial number in the unsettled status; if the existence time is greater than or equal to a preset time threshold, determining that the target serial number meets the preset early warning rules.

[0031] Optionally, determining whether the target serial number in the branch inventory meets the preset warning rules includes: determining whether the transaction corresponding to the target serial number is a withdrawal transaction based on the payment and collection direction information; if so, determining whether the status of the target serial number is unsettled; if so, determining that the target serial number meets the preset warning rules.

[0032] Optionally, the method further comprises: if there is no record of clearing the prefix number in the branch inventory within a preset time period, generating a second warning message.

[0033] Optionally, after generating target warning information corresponding to the target transaction file, the method further includes writing the target warning information into a warning information table.

[0034] To achieve the above-mentioned purpose, according to one aspect of an embodiment of the present invention, a risk warning device is provided, the device comprising: an acquisition module, used to acquire a target transaction file; wherein the target transaction file comprises target serial number information, and the target serial number information comprises multiple target serial numbers; a comparison module, used to compare the multiple target serial numbers with the serial numbers in the branch inventory to determine whether the target transaction file meets a preset warning condition; and a warning generation module, used to generate target warning information corresponding to the target transaction file if the target transaction file meets the warning condition.

[0035] Optionally, the target transaction file includes payment direction information;

[0036] The comparison module is also used to: determine the type of target transaction corresponding to the target transaction file according to the payment direction information; if the type of the target transaction is determined to be a deposit transaction, calculate the repetition rate of the multiple target serial numbers; if the repetition rate is greater than or equal to a preset threshold, determine that the target transaction file meets the warning condition; if the type of the target transaction is determined to be a withdrawal transaction, determine whether the multiple target serial numbers are recorded in the branch inventory, and if there are N target serial numbers that are not in the branch inventory, determine that the target transaction file meets the warning condition; wherein N is an integer greater than 1 or equal to 1.

[0037] Optionally, the device further comprises a generating module, which is used to: collect serial number information of banknotes flowing through the banknote counting machine; bind the serial number information with transaction information to generate a transaction file to be identified.

[0038] Optionally, the transaction file to be identified includes a TXT file and an FSN file, wherein the TXT file includes transaction information and the FSN file includes a serial number to be identified.

[0039] Optionally, the generating module is further configured to record the transaction files to be identified in a file registration table, and insert the transaction files to be identified recorded in the file registration table into a file queue in a recording order.

[0040] Optionally, the acquisition module is further used to: acquire the transaction file to be identified at the head of the file queue, and use the transaction file to be identified at the head of the file queue as the target transaction file.

[0041] Optionally, the generation module is also used to: determine whether to generate virtual memory warning information based on the transaction file to be identified; if so, generate virtual memory warning information and record the transaction file to be identified in a file registration table; if not, record the transaction file to be identified in the file registration table.

[0042] Optionally, the transaction file to be identified further includes payment direction information;

[0043] The generation module is also used to: determine whether the transaction corresponding to the transaction file to be identified is a deposit transaction based on the payment direction information; if so, compare the serial number to be identified in the transaction file to be identified with the serial number in the branch inventory, and if the serial number to be identified exists in the branch inventory, generate virtual deposit warning information.

[0044] Optionally, the target transaction file also includes transaction amount information;

[0045] The comparison module is also used to determine whether the target serial number information is consistent with the transaction amount information.

[0046] Optionally, the comparison module is also used to: when it is determined that the target serial number information is inconsistent with the transaction amount information, determine whether the target serial number in the target serial number information exists in the branch inventory; if so, delete the target serial number from the branch inventory; if not, write the target serial number into the branch inventory.

[0047] Optionally, the target transaction file also includes payment direction information;

[0048] The comparison module is further configured to write the multiple target serial numbers into the branch inventory or delete the multiple target serial numbers from the branch inventory according to the payment direction information.

[0049] Optionally, the warning generation module is further used to: determine whether the target serial number in the branch inventory meets a preset warning rule; if so, generate first warning information corresponding to the target serial number.

[0050] Optionally, the target serial number information further includes the status of the multiple target serial numbers, and the status includes unsettled;

[0051] The warning generation module is also used to: determine whether there is a target serial number with an unsettled status in the branch inventory; if so, determine the existence time of the target serial number with an unsettled status; if the existence time is greater than or equal to a preset time threshold, determine that the target serial number meets the preset warning rule.

[0052] Optionally, the warning generation module is also used to: determine whether the transaction corresponding to the target serial number is a withdrawal transaction based on the payment direction information; if so, determine whether the status of the target serial number is unsettled; if so, determine whether the target serial number meets the preset warning rules.

[0053] Optionally, the warning generation module is further configured to generate a second warning message if there is no record of clearing the prefix number in the branch inventory within a preset time period.

[0054] Optionally, the warning generation module is further used to write the target warning information into a warning information table.

[0055] To achieve the above-mentioned purpose, according to another aspect of an embodiment of the present invention, there is provided an electronic device, comprising: one or more processors; a storage device for storing one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors implement the risk warning method of an embodiment of the present invention.

[0056] To achieve the above objective, according to another aspect of an embodiment of the present invention, a computer-readable medium is provided, on which a computer program is stored, and when the program is executed by a processor, the risk warning method of the embodiment of the present invention is implemented.

[0057] An embodiment of the above invention has the following advantages or beneficial effects: because a target transaction file is obtained; wherein, the target transaction file includes target serial number information, and the target serial number information includes multiple target serial numbers; the multiple target serial numbers are compared with the serial numbers in the branch inventory to determine whether the target transaction file meets the preset warning conditions; if the target transaction file meets the warning conditions, a technical means of generating target warning information corresponding to the target transaction file is used, so that suspicious transactions can be automatically warned during the transaction and audited afterwards, effectively realizing the monitoring of cash risks such as false withdrawal and deposit of cash, false transfer between tellers, etc., and making up for the loopholes caused by the complex processes of the banking system.

[0058] The further effects of the above-mentioned non-conventional optional manner will be described below in conjunction with the specific implementation manner. BRIEF DESCRIPTION OF THE DRAWINGS

[0059] The accompanying drawings are used to better understand the present invention and do not constitute an improper limitation of the present invention.

[0060] Figure 1 It is a schematic diagram of the main process of the risk early warning method of an embodiment of the present invention;

[0061] Figure 2 is a schematic diagram of the main process of a risk early warning method according to another embodiment of the present invention;

[0062] Figure 3 is a schematic diagram of the main process of a risk early warning method according to another embodiment of the present invention;

[0063] Figure 4 is a schematic diagram of the main modules of the risk warning device according to an embodiment of the present invention;

[0064] Figure 5 is an exemplary system architecture diagram to which embodiments of the present invention may be applied;

[0065] Figure 6 It is a schematic diagram of the structure of a computer system of a terminal device or a server suitable for implementing an embodiment of the present invention. DETAILED DESCRIPTION

[0066] The following is a description of exemplary embodiments of the present invention in conjunction with the accompanying drawings, including various details of the embodiments of the present invention to facilitate understanding, which should be considered as merely exemplary. Therefore, it should be recognized by those of ordinary skill in the art that various changes and modifications may be made to the embodiments described herein without departing from the scope and spirit of the present invention. Similarly, for clarity and conciseness, the description of well-known functions and structures is omitted in the following description.

[0067] Figure 1 Schematic diagram of the main process of the risk warning method of the embodiment of the present invention. Figure 1 As shown, the method includes:

[0068] Step S101: obtaining a target transaction file; wherein the target transaction file includes target serial number information, and the target serial number information includes multiple target serial numbers;

[0069] Step S102: Compare the multiple target serial numbers with the serial numbers in the branch inventory to determine whether the target transaction file meets the preset warning condition;

[0070] Step S103: If the target transaction file meets the warning condition, target warning information corresponding to the target transaction file is generated.

[0071] In this embodiment, the serial number of a banknote refers to the issuance sequence of the banknote. Each banknote corresponds to a unique serial number, which is arranged and printed by the banknote printing factory according to a certain rule.

[0072] For step S101, the target transaction file is a file generated when a customer conducts a deposit transaction or a withdrawal transaction at a bank. The target transaction file includes target serial number information, and the target serial number information includes multiple target serial numbers. Among them, the target serial number can be obtained by a Class A money counting machine during the transaction. Among them, the full name of the Class A money counting machine is RMB identification instrument or fully intelligent Class A money counting machine, which is a money counting machine with functions such as counting money and sorting and uploading ticket information, recording and uploading of serial numbers (including images), and identifying counterfeit money. Sorting and uploading means that the Class A money counting machine uploads the file generated by the counted ticket information to the local, which is a process of recording the ticket information of the banknote. The ticket information includes serial number, serial number length, currency code (such as the code of RMB is 156), currency category (such as circulation ticket), version and face value information.

[0073] In an optional embodiment, the target transaction file may further include payment direction information, and the payment direction information is used to indicate whether the target transaction corresponding to the target transaction file is a deposit transaction or a withdrawal transaction. The target transaction file may further include customer information, such as customer name.

[0074] Regarding step S102, the step may specifically include:

[0075] Determining the type of target transaction corresponding to the target transaction file according to the payment direction information;

[0076] If it is determined that the type of the target transaction is a deposit transaction, then the repetition rate of the multiple target serial numbers is calculated; if the repetition rate is greater than or equal to a preset threshold, then it is determined that the target transaction file meets the warning condition;

[0077] If it is determined that the type of the target transaction is a withdrawal transaction, it is determined whether the multiple target serial numbers are recorded in the branch inventory. If there are N target serial numbers that are not in the branch inventory, it is determined that the target transaction file meets the warning condition; wherein N is an integer greater than 1 or equal to 1.

[0078] In this embodiment, when a customer conducts a transaction, the serial number of each banknote in the transaction will be recorded in the branch inventory. When the target transaction is a deposit transaction, the target serial number of the deposit transaction is compared with the serial number in the branch inventory, and the repetition rate of the target serial number is calculated. The repetition rate is equal to the ratio of the number of repetitions of the target serial number to the total number of the target serial number. When the repetition rate of the target serial number is greater than or equal to the preset threshold, it is determined that the target transaction file meets the early warning condition. Among them, the preset threshold can be flexibly set according to the scene requirements, and the present invention will not be repeated here. When the target transaction is a withdrawal transaction, it is determined whether the multiple target serial numbers are recorded in the branch inventory. If there are N target serial numbers that are not in the branch inventory, it is determined that the target transaction file meets the early warning condition; wherein N is an integer greater than 1 or equal to 1. The withdrawn banknotes are all recorded in the serial number inventory table. If the corresponding serial number is not recorded in the serial number inventory table, it means that there is a false withdrawal behavior, and the parameter N of this false withdrawal can also be flexibly configured. In an optional embodiment, if the withdrawal transaction amount does not exceed 100,000, N can be equal to 2% of the withdrawal transaction amount, that is, the number of cash not exceeding 100,000 whose serial numbers do not exist in the inventory table during withdrawal cannot exceed 2%.

[0079] For step S103, when the target transaction file meets the warning condition, target warning information is generated to indicate that the target transaction corresponding to the target transaction file is a suspicious transaction. The target warning information may include business type (including withdrawal transaction type and deposit transaction type), transaction serial number, transaction amount, operator, business submission date, warning reason (including repeated prefix number and missing prefix number) and warning details (including repeated target prefix number or target prefix number missing in the branch inventory).

[0080] The risk warning method of the embodiment of the present invention obtains the target transaction file; wherein the target transaction file includes target serial number information, and the target serial number information includes multiple target serial numbers; the multiple target serial numbers are compared with the serial numbers in the branch inventory to determine whether the target transaction file meets the preset warning conditions; if the target transaction file meets the warning conditions, the target warning information corresponding to the target transaction file is generated, which can automatically conduct in-process warning and post-audit for suspicious transactions, effectively realize the monitoring of cash risks such as false withdrawal and deposit of cash, false transfer between tellers, etc., and make up for the loopholes caused by the complex process of the bank system. That is, the risk warning method of the embodiment of the present invention achieves the purpose of automatically monitoring transactions through the serial number warning mechanism, reduces costs, avoids the risk of missing or falsely reporting suspicious transactions, and improves monitoring efficiency.

[0081] In an optional embodiment, the method further includes: after generating the target warning information, writing the target warning information into a warning information table to mark and subsequently view the target transaction file.

[0082] Figure 2 FIG. 1 is a flow chart of the main steps of a risk warning method according to another embodiment of the present invention. Figure 2 As shown, the method includes:

[0083] Step S201: collecting serial number information of banknotes passing through the banknote counting machine;

[0084] Step S202: Binding the serial number information with the transaction information to generate a transaction file to be identified;

[0085] Step S203: determining whether to generate virtual storage warning information according to the transaction file to be identified;

[0086] Step S204: If yes, generate virtual storage warning information and record the transaction file to be identified in the file registration table;

[0087] Step S205: If not, the transaction file to be identified is recorded in the file registration table;

[0088] Step S206: outputting the virtual memory warning information so as to manually process the virtual memory warning information;

[0089] Step S207: inserting the transaction files to be identified recorded in the file registration table into the file queue in the order of records;

[0090] Step S208: obtaining the transaction file to be identified at the head of the file queue, and using the transaction file to be identified at the head of the file queue as the target transaction file, wherein the target transaction file includes target serial number information, and the target serial number information includes multiple target serial numbers;

[0091] Step S209: Compare the multiple target serial numbers with the serial numbers in the branch inventory to determine whether the target transaction file meets the preset warning condition;

[0092] Step S210: if the target transaction file meets the warning condition, generating target warning information corresponding to the target transaction file;

[0093] Step S211: Write the target warning information into the warning information table.

[0094] For step S201, a type A banknote counting machine may be used to collect serial number information of banknotes passing through the banknote counting machine.

[0095] For step S202, the transaction information may include information such as the customer number (such as the customer name), transaction time, transaction type, payment direction information, and staff information. The above transaction information is bound to the serial number information to obtain a transaction file to be identified. The transaction file to be identified includes a TXT file and an FSN file, wherein the TXT file includes the transaction information, and the FSN file includes the serial number to be identified. The FSN file refers to the bank's serial number file, which is mainly used in the upload stage, management stage, and application stage of financial equipment.

[0096] For steps S203-S205, the steps may specifically include: determining whether the transaction corresponding to the transaction file to be identified is a deposit transaction according to the payment direction information contained in the transaction file to be identified; when the payment direction information is a withdrawal, determining that the transaction file to be identified is a deposit transaction, then comparing the serial number to be identified in the transaction file to be identified with the serial number in the branch inventory, and if the serial number to be identified exists in the branch inventory, generating virtual deposit warning information. Among them, the virtual deposit warning information is used to indicate that the transaction corresponding to the transaction file to be identified has a risk of virtual deposit. The virtual deposit warning information may include transaction serial number, transaction amount, operator, business submission date, warning reason (duplicate serial number) and warning details (duplicate target serial number). After determining whether to generate virtual deposit warning information, the transaction file to be identified is recorded in the file registration table. The file registration table is used to record relevant information of the transaction file to be identified, such as file name and generation time. For step S206, the virtual storage warning information is outputted so that a staff member can process the virtual storage warning information, wherein the staff member may be a person responsible for monitoring transactions, and the staff member processes the virtual storage warning information according to actual conditions.

[0097] For steps S207-S208, the file queue is used to cache the transaction files to be identified. In order to ensure the consistency of business order and file processing and to prevent unnecessary warnings, the transaction files to be identified recorded in the file registration table are inserted into the file queue in the order of records, and the transaction file to be identified at the head of the file queue is used as the target transaction file. In an optional embodiment, in order to improve efficiency, multiple transaction files to be identified can be inserted into the file queue at one time. In actual application, a batch processing process can be started in the background all the time, and the batch processing process obtains the transaction file to be identified at the head of the file queue.

[0098] Steps S209-S211 and Figure 1 The embodiments shown are the same, and the present invention will not be described in detail here.

[0099] The risk warning method of the embodiment of the present invention compares the serial number of the cash of the deposit transaction with the serial number in the branch inventory when conducting a deposit transaction. If there is a duplicate serial number, a virtual deposit warning information is generated. The transaction can be monitored while the transaction is in progress, that is, it is determined whether the transaction is a suspicious transaction (or there is a virtual deposit risk); when the transaction file generated after the deposit transaction is completed is used as the target transaction file, it is determined whether the target transaction file meets the warning conditions. After the transaction is completed, it can be determined again whether the transaction is a suspicious transaction, that is, it can be audited afterwards, thereby effectively realizing the monitoring of cash risks such as virtual withdrawal and virtual deposit of cash, false transfer between tellers, etc., making up for the loopholes caused by the complex process of the banking system, achieving the purpose of automatically monitoring transactions, reducing costs, avoiding the risk of missing or falsely reporting suspicious transactions, and improving monitoring efficiency.

[0100] Figure 3 FIG. 1 is a flow chart of the main steps of the risk warning method according to another embodiment of the present invention. Figure 3 As shown, the method includes:

[0101] Step S301: collecting serial number information of banknotes passing through the banknote counting machine;

[0102] Step S302: Binding the serial number information with the transaction information to generate a transaction file to be identified;

[0103] Step S303: determining whether to generate virtual storage warning information according to the transaction file to be identified;

[0104] Step S304: If yes, generate virtual storage warning information and record the transaction file to be identified in the file registration table;

[0105] Step S305: If not, the transaction file to be identified is recorded in the file registration table;

[0106] Step S306: outputting the virtual memory warning information so as to manually process the virtual memory warning information;

[0107] Step S307: inserting the transaction files to be identified recorded in the file registration table into the file queue in the order of records;

[0108] Step S308: obtaining the transaction file to be identified at the head of the file queue, and using the transaction file to be identified at the head of the file queue as the target transaction file, wherein the target transaction file includes target serial number information and transaction amount information, and the target serial number information includes multiple target serial numbers;

[0109] Step S309: Determine whether the target serial number information is consistent with the transaction amount information;

[0110] Step S310: If the target serial number information is consistent with the transaction amount information, multiple target serial numbers are compared with the serial numbers in the branch inventory to determine whether the target transaction file meets the preset warning condition;

[0111] Step S311: if the target transaction file meets the warning condition, generating target warning information corresponding to the target transaction file;

[0112] Step S312: writing the multiple target serial numbers into the branch inventory or deleting the multiple target serial numbers from the branch inventory according to the payment and collection direction information included in the target transaction file, that is, if the target transaction corresponding to the target transaction file is a withdrawal transaction, deleting the target serial number from the branch inventory, and if the target transaction is a deposit transaction, writing the target serial number into the branch inventory;

[0113] Step S313: writing the target warning information into the warning information table;

[0114] Step S314: if the target serial number information is inconsistent with the transaction amount information, determining whether the target serial number in the target serial number information exists in the branch inventory;

[0115] Step S315: If yes, deleting the target serial number from the branch inventory;

[0116] Step S316: If not, write the target serial number into the branch inventory;

[0117] Step S317: Issue an early warning on the inventory of the outlets according to the preset early warning rules.

[0118] Among them, steps S301-S308 and Figure 2 The embodiments shown are the same, and the present invention will not be described in detail here.

[0119] For steps S309-S315, determine whether the amount of the target transaction is consistent with the target serial number information. If not, determine whether the target serial number exists in the branch inventory. If not, write the target serial number into the branch inventory. If it exists, delete the target serial number from the branch inventory. If the amount of the target transaction is consistent with the target serial number information, determine whether the target transaction file meets the early warning conditions. According to the payment direction information, determine the type of target transaction corresponding to the target transaction file;

[0120] If it is determined that the type of the target transaction is a deposit transaction, then the repetition rate of the multiple target serial numbers is calculated; if the repetition rate is greater than or equal to a preset threshold, then it is determined that the target transaction file meets the warning condition;

[0121] If it is determined that the type of the target transaction is a withdrawal transaction, it is determined whether the multiple target serial numbers are recorded in the branch inventory. If there are N target serial numbers that are not in the branch inventory, it is determined that the target transaction file meets the early warning condition; wherein N is an integer greater than 1 or equal to 1. In this embodiment, when the customer conducts a transaction, the serial number of each banknote of the transaction will be recorded in the branch inventory. When the target transaction is a deposit transaction, the target serial number of the deposit transaction is compared with the serial number in the branch inventory, and the repetition rate of the target serial number is calculated. The repetition rate is equal to the ratio of the number of repeated target serial numbers to the total number of target serial numbers. When the repetition rate of the target serial number is greater than or equal to a preset threshold, it is determined that the target transaction file meets the early warning condition. Wherein, the preset threshold can be flexibly set according to the scenario requirements, and the present invention will not be repeated here. When the target transaction is a withdrawal transaction, it is determined whether the multiple target serial numbers are recorded in the branch inventory. If there are N target serial numbers that are not in the branch inventory, it is determined that the target transaction file meets the early warning condition; wherein N is an integer greater than 1 or equal to 1. The withdrawn banknotes are all recorded in the crown number inventory table. If the corresponding crown number is not recorded in the crown number inventory table, it means that there is a false withdrawal behavior, and the parameter N of this false withdrawal can also be flexibly configured. In an optional embodiment, if the withdrawal transaction amount does not exceed 100,000, then N can be equal to 2% of the withdrawal transaction amount, that is, the number of cash not exceeding 100,000 for which the crown number does not exist in the inventory table during withdrawal cannot exceed 2%.

[0122] Regarding step S317, the step may specifically include:

[0123] Determine whether the target serial number in the branch inventory meets the preset warning rule; if so, generate first warning information corresponding to the target serial number.

[0124] Among them, determining whether the target serial number in the branch inventory meets the preset early warning rules includes: determining whether there is a target serial number with an unsettled status in the branch inventory; if so, determining the existence time of the target serial number with an unsettled status; if the existence time is greater than or equal to a preset time threshold, determining that the target serial number meets the preset early warning rules.

[0125] In an optional embodiment, determining whether the target serial number in the branch inventory satisfies the preset warning rules includes: determining whether the transaction corresponding to the target serial number is a withdrawal transaction based on the payment and receipt direction information; if so, determining whether the status of the target serial number is unsettled; if so, determining that the target serial number satisfies the preset warning rules.

[0126] In an optional embodiment, the method may be set to periodically clear the serial numbers in the branch inventory, wherein the period of periodically clearing the serial numbers in the branch inventory may be flexibly set, such as clearing once a month. Therefore, the method may further include: if the branch inventory has no serial number clearing record within a preset time period, generating a second warning message. The preset time period is greater than the period of clearing the serial numbers in the branch inventory.

[0127] In an optional embodiment, the method further comprises: matching the serial number of the deposit transaction in the branch inventory with the serial number in the counterfeit currency library, and generating a warning message if the two match.

[0128] The risk warning method of the embodiment of the present invention, based on the establishment of the branch serial number inventory, transaction information and serial number flow, realizes the association between the counter transaction flow and the cash serial number, so that the real cash physical collection and payment information at the counter can be counted, and the requirements of the regulatory authorities for matching transactions with serial numbers can be realized. A branch serial number database is established to record the serial number information of the cash in stock at the branch at a certain time. Each cash collection and payment business is compared with the records of the serial number database at a certain time, and a serial number warning mechanism is designed to conduct in-process warning and post-event audit of suspicious transactions, so as to effectively monitor cash risks such as fictitious cash deposits and withdrawals, and false transfers between tellers.

[0129] Figure 4 4 is a schematic diagram of the main modules of the risk warning device 400 according to an embodiment of the present invention. Figure 4 As shown, the risk warning device 400 includes an acquisition module 401 , a comparison module 402 and a warning generation module 403 .

[0130] The acquisition module 401 is used to acquire a target transaction file; wherein the target transaction file includes target serial number information, and the target serial number information includes multiple target serial numbers;

[0131] The comparison module 402 is used to compare the multiple target serial numbers with the serial numbers in the branch inventory to determine whether the target transaction file meets the preset warning condition;

[0132] The warning generation module 403 is used to generate target warning information corresponding to the target transaction file if the target transaction file meets the warning condition.

[0133] Optionally, the target transaction file includes payment direction information;

[0134] The comparison module is also used to: determine the type of target transaction corresponding to the target transaction file according to the payment direction information; if the type of the target transaction is determined to be a deposit transaction, calculate the repetition rate of the multiple target serial numbers; if the repetition rate is greater than or equal to a preset threshold, determine that the target transaction file meets the warning condition; if the type of the target transaction is determined to be a withdrawal transaction, determine whether the multiple target serial numbers are recorded in the branch inventory, and if there are N target serial numbers that are not in the branch inventory, determine that the target transaction file meets the warning condition; wherein N is an integer greater than 1 or equal to 1.

[0135] Optionally, the device further comprises a generating module, which is used to: collect serial number information of banknotes flowing through the banknote counting machine; bind the serial number information with transaction information to generate a transaction file to be identified.

[0136] Optionally, the transaction file to be identified includes a TXT file and an FSN file, wherein the TXT file includes transaction information and the FSN file includes a serial number to be identified.

[0137] Optionally, the generation module is also used to record the transaction files to be identified in a file registration table; insert the transaction files to be identified recorded in the file registration table into a file queue in the order of records, and use the transaction file to be identified at the head of the file queue as the target transaction file.

[0138] Optionally, the generation module is also used to: determine whether to generate virtual memory warning information based on the transaction file to be identified; if so, generate virtual memory warning information and record the transaction file to be identified in a file registration table; if not, record the transaction file to be identified in the file registration table.

[0139] Optionally, the transaction file to be identified further includes payment direction information;

[0140] The generation module is also used to: determine whether the transaction corresponding to the transaction file to be identified is a deposit transaction based on the payment direction information; if so, compare the serial number to be identified in the transaction file to be identified with the serial number in the branch inventory, and if the serial number to be identified exists in the branch inventory, generate virtual deposit warning information.

[0141] Optionally, the warning generation module is further used to write the target warning information into a warning information table.

[0142] Optionally, the target transaction file also includes transaction amount information;

[0143] The comparison module is also used to determine whether the target serial number information is consistent with the transaction amount information.

[0144] Optionally, the comparison module is also used to: when it is determined that the target serial number information is inconsistent with the transaction amount information, determine whether the target serial number in the target serial number information exists in the branch inventory; if so, delete the target serial number from the branch inventory; if not, write the target serial number into the branch inventory.

[0145] Optionally, the target transaction file also includes payment direction information;

[0146] The comparison module is further configured to write the multiple target serial numbers into the branch inventory or delete the multiple target serial numbers from the branch inventory according to the payment direction information.

[0147] Optionally, the warning generation module is further used to: determine whether the target serial number in the branch inventory meets a preset warning rule; if so, generate first warning information corresponding to the target serial number.

[0148] Optionally, the target serial number information further includes the status of the multiple target serial numbers, and the status includes unsettled;

[0149] The warning generation module is also used to: determine whether there is a target serial number with an unsettled status in the branch inventory; if so, determine the existence time of the target serial number with an unsettled status; if the existence time is greater than or equal to a preset time threshold, determine that the target serial number meets the preset warning rule.

[0150] Optionally, the warning generation module is also used to: determine whether the transaction corresponding to the target serial number is a withdrawal transaction based on the payment direction information; if so, determine whether the status of the target serial number is unsettled; if so, determine whether the target serial number meets the preset warning rules.

[0151] Optionally, the warning generation module is further configured to generate a second warning message if there is no record of clearing the prefix number in the branch inventory within a preset time period.

[0152] The risk warning device of the embodiment of the present invention, based on the establishment of the branch serial number inventory, transaction information and serial number flow, realizes the association between the counter transaction flow and the cash serial number, so that it can not only count the real cash physical collection and payment information at the counter, but also realize the requirement of matching transactions with serial numbers required by the regulatory authorities. A branch serial number database is established to record the serial number information of the cash in stock at the branch at any time. Each cash collection and payment business is compared with the records of the serial number database at the time, and a serial number warning mechanism is designed to conduct in-process warning and post-audit for suspicious transactions, so as to effectively monitor cash risks such as fictitious deposits and withdrawals of cash, and false transfers between tellers.

[0153] The above device can execute the method provided by the embodiment of the present invention, and has the functional modules and beneficial effects corresponding to the execution method. For technical details not described in detail in this embodiment, please refer to the method provided by the embodiment of the present invention.

[0154] Figure 5 An exemplary system architecture 500 is shown to which the risk warning method or risk warning device according to the embodiment of the present invention can be applied.

[0155] like Figure 5 As shown, system architecture 500 may include terminal devices 501, 502, 503, a network 504 and a server 505. Network 504 is used to provide a medium for communication links between terminal devices 501, 502, 503 and server 505. Network 504 may include various connection types, such as wired, wireless communication links or optical fiber cables, etc.

[0156] Bank staff can use terminal devices 501, 502, 503 to interact with server 505 via network 504. Terminal devices 501, 502, 503 can be working devices of bank staff, such as computers. Terminal devices 501, 502, 503 are used to upload transaction files to be identified to server 505.

[0157] The server 505 may be a server that provides various services, such as a backend server that provides a function of identifying whether a transaction corresponding to a target transaction file is risky.

[0158] It should be noted that the risk warning method provided in the embodiment of the present invention is generally executed by the server 505 , and accordingly, the risk warning device is generally arranged in the server 505 .

[0159] It should be understood that Figure 5 The number of terminal devices, networks and servers in the embodiment is only for illustration. Any number of terminal devices, networks and servers may be provided according to implementation requirements.

[0160] Reference below Figure 6 , which shows a schematic diagram of the structure of a computer system 600 of a terminal device suitable for implementing an embodiment of the present invention. Figure 6 The terminal device shown is only an example and should not bring any limitation to the functions and scope of use of the embodiments of the present invention.

[0161] like Figure 6As shown, the computer system 600 includes a central processing unit (CPU) 601, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 602 or a program loaded from a storage part 608 into a random access memory (RAM) 603. In the RAM 603, various programs and data required for the operation of the system 600 are also stored. The CPU 601, the ROM 602, and the RAM 603 are connected to each other via a bus 604. An input / output (I / O) interface 605 is also connected to the bus 604.

[0162] The following components are connected to the I / O interface 605: an input section 606 including a keyboard, a mouse, etc.; an output section 607 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage section 608 including a hard disk, etc.; and a communication section 609 including a network interface card such as a LAN card, a modem, etc. The communication section 609 performs communication processing via a network such as the Internet. A drive 610 is also connected to the I / O interface 605 as needed. A removable medium 611, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 610 as needed, so that a computer program read therefrom is installed into the storage section 608 as needed.

[0163] In particular, according to the embodiments disclosed in the present invention, the process described above with reference to the flowchart can be implemented as a computer software program. For example, the embodiments disclosed in the present invention include a computer program product, which includes a computer program carried on a computer-readable medium, and the computer program includes a program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from the network through the communication part 609, and / or installed from the removable medium 611. When the computer program is executed by the central processing unit (CPU) 601, the above-mentioned functions defined in the system of the present invention are executed.

[0164] It should be noted that the computer-readable medium shown in the present invention may be a computer-readable signal medium or a computer-readable storage medium or any combination of the above two. The computer-readable storage medium may be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device or device, or any combination of the above. More specific examples of computer-readable storage media may include, but are not limited to: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In the present invention, a computer-readable storage medium may be any tangible medium containing or storing a program that can be used by or in combination with an instruction execution system, device or device. In the present invention, a computer-readable signal medium may include a data signal propagated in a baseband or as part of a carrier wave, which carries a computer-readable program code. This propagated data signal may take a variety of forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the above. Computer-readable signal media may also be any computer-readable medium other than computer-readable storage media, which may send, propagate or transmit a program for use by or in conjunction with an instruction execution system, apparatus or device. The program code contained on the computer-readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, optical cable, RF, etc., or any suitable combination of the above.

[0165] The flow chart and block diagram in the accompanying drawings illustrate the possible architecture, function and operation of the system, method and computer program product according to various embodiments of the present invention. In this regard, each box in the flow chart or block diagram can represent a module, a program segment, or a part of a code, and the above-mentioned module, program segment, or a part of a code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in a different order from the order marked in the accompanying drawings. For example, two boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram or flow chart, and the combination of the boxes in the block diagram or flow chart can be implemented with a dedicated hardware-based system that performs a specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0166] The modules involved in the embodiments of the present invention may be implemented in software or hardware. The modules described may also be set in a processor. For example, they may be described as: a processor includes a sending module, an acquisition module, a determination module, and a first processing module. The names of these modules do not, in some cases, constitute a limitation on the unit itself. For example, the sending module may also be described as a "module for sending a picture acquisition request to the connected server."

[0167] As another aspect, the present invention further provides a computer-readable medium, which may be included in the device described in the above embodiment; or may exist independently without being assembled into the device. The above computer-readable medium carries one or more programs, and when the above one or more programs are executed by a device, the device includes:

[0168] Obtaining a target transaction file; wherein the target transaction file includes target serial number information, and the target serial number information includes multiple target serial numbers;

[0169] Compare the multiple target serial numbers with the serial numbers in the branch inventory to determine whether the target transaction file meets the preset warning condition;

[0170] If the target transaction file meets the warning condition, target warning information corresponding to the target transaction file is generated.

[0171] The technical solution of the embodiment of the present invention, on the basis of establishing the branch serial number inventory, transaction information and serial number flow, realizes the association between the counter transaction flow and the cash serial number, so that it can not only count the real cash physical collection and payment information at the counter, but also realize the requirement of matching transactions with serial numbers required by the regulatory authorities. Establish a branch serial number database to record the serial number information of the cash in stock at the branch at any time. Compare each cash collection and payment business with the records of the serial number database at the time one by one, design a serial number early warning mechanism, conduct in-process early warning and post-audit for suspicious transactions, and effectively realize the monitoring of cash risks such as fictitious deposits and withdrawals of cash, and false transfers between tellers.

[0172] The above specific implementations do not constitute a limitation on the protection scope of the present invention. It should be understood by those skilled in the art that various modifications, combinations, sub-combinations and substitutions may occur depending on design requirements and other factors. Any modification, equivalent substitution and improvement made within the spirit and principle of the present invention shall be included in the protection scope of the present invention.

Claims

1. A risk early warning method, characterized in that: include: Obtaining a target transaction file; wherein the target transaction file includes target serial number information, and the target serial number information includes multiple target serial numbers; Compare the multiple target serial numbers with the serial numbers in the branch inventory to determine whether the target transaction file meets the preset warning condition; If the target transaction file meets the warning condition, generating target warning information corresponding to the target transaction file; The method further comprises generating a transaction file to be identified according to the following process: Collect serial number information of banknotes passing through the banknote counting machine; Binding the serial number information with the transaction information to generate a transaction file to be identified; The obtaining of the target transaction file comprises: recording the transaction file to be identified in a file registration table; inserting the multiple transaction files to be identified recorded in the file registration table into a file queue in the order of the records, and taking the transaction file to be identified at the head of the file queue as the target transaction file; starting a batch processing process in the background, and obtaining the transaction file to be identified at the head of the file queue by the batch processing process; Recording the transaction file to be identified in the file registration table includes: Determining whether to generate virtual storage warning information according to the transaction file to be identified; If yes, generate virtual storage warning information, and record the transaction file to be identified in the file registration table; If not, the transaction document to be identified is recorded in the document registration table; The target transaction file includes payment direction information; Comparing the multiple target serial numbers with the serial numbers in the branch inventory to determine whether the target transaction file meets the preset warning condition includes: Determining the type of target transaction corresponding to the target transaction file according to the payment direction information; If it is determined that the type of the target transaction is a deposit transaction, then the repetition rate of the multiple target serial numbers is calculated; if the repetition rate is greater than or equal to a preset threshold, then it is determined that the target transaction file meets the warning condition; If it is determined that the type of the target transaction is a withdrawal transaction, it is determined whether the multiple target serial numbers are recorded in the branch inventory. If there are N target serial numbers that are not in the branch inventory, it is determined that the target transaction file meets the warning condition; wherein N is an integer greater than 1 or equal to 1.

2. The method according to claim 1, characterized in that The transaction file to be identified includes a TXT file and an FSN file, wherein the TXT file includes transaction information, and the FSN file includes a serial number to be identified.

3. The method according to claim 1, characterized in that The transaction file to be identified also includes payment direction information; Determining whether to generate virtual storage warning information according to the transaction file to be identified includes: Determining, according to the payment direction information, whether the transaction corresponding to the transaction file to be identified is a deposit transaction; If so, the serial number to be identified in the transaction file to be identified is compared with the serial number in the branch inventory. If the serial number to be identified exists in the branch inventory, a virtual inventory warning message is generated.

4. The method according to claim 3, characterized in that After generating the virtual memory warning information, the method further includes: The virtual memory warning information is outputted so as to enable manual processing of the virtual memory warning information.

5. The method according to any one of claims 1 to 4, characterized in that: The target transaction file also includes transaction amount information; Before comparing the target serial number information with the serial number data in the network point inventory, the method further includes: Determine that the target serial number information is consistent with the transaction amount information.

6. The method according to claim 5, characterized in that The target transaction file also includes payment direction information; After generating the warning information corresponding to the target transaction file, the method further includes: writing the multiple target serial numbers into the branch inventory or deleting the multiple target serial numbers from the branch inventory according to the payment direction information.

7. The method according to claim 6, characterized in that The method further comprises: When it is determined that the target serial number information is inconsistent with the transaction amount information, determining whether the target serial number in the target serial number information exists in the inventory of the branch; If yes, deleting the target serial number from the branch inventory; If not, the target serial number is written into the branch inventory.

8. The method according to claim 7, characterized in that The method further comprises: Determine whether the target serial number in the branch inventory meets the preset warning rules; If so, a first warning message corresponding to the target serial number is generated.

9. The method according to claim 8, characterized in that The target serial number information also includes the status of the multiple target serial numbers, and the status includes unsettled and settled; Determining whether the target serial number in the branch inventory meets the preset warning rule includes: Determine whether there is a target serial number in the inventory of the branch with an unsold status; If yes, then determine the existence time of the target serial number whose status is unsettled; If the existence time is greater than or equal to a preset time threshold, it is determined that the target serial number meets a preset warning rule.

10. The method according to claim 9, characterized in that Determining whether the target serial number in the branch inventory meets the preset warning rule includes: Determine, based on the payment direction information, whether the transaction corresponding to the target serial number is a withdrawal transaction; If so, it is determined whether the status of the target serial number is unsettled; if so, it is determined whether the target serial number satisfies the preset warning rule.

11. The method according to claim 6, characterized in that The method further comprises: If there is no record of clearing the prefix number in the branch inventory within a preset time period, a second warning message is generated.

12. The method according to claim 7, characterized in that After generating target warning information corresponding to the target transaction file, the method further includes writing the target warning information into a warning information table.

13. A risk warning device, characterized in that: The device comprises: An acquisition module, used for acquiring a target transaction file; wherein the target transaction file includes target serial number information, and the target serial number information includes multiple target serial numbers; A comparison module is used to compare the multiple target serial numbers with the serial numbers in the branch inventory to determine whether the target transaction file meets the preset warning condition; the target transaction file includes payment and receipt direction information; and, according to the payment and receipt direction information, determine the type of the target transaction corresponding to the target transaction file; if the type of the target transaction is determined to be a deposit transaction, calculate the repetition rate of the multiple target serial numbers; if the repetition rate is greater than or equal to a preset threshold, determine that the target transaction file meets the warning condition; if the type of the target transaction is determined to be a withdrawal transaction, determine whether the multiple target serial numbers are recorded in the branch inventory, and if there are N target serial numbers that are not in the branch inventory, determine that the target transaction file meets the warning condition; wherein N is an integer greater than 1 or equal to 1; An early warning generation module, configured to generate target early warning information corresponding to the target transaction file if the target transaction file meets the early warning condition; The device also includes a generating module, which is used to: collect serial number information of banknotes flowing through the banknote counting machine; bind the serial number information with transaction information to generate a transaction file to be identified; It is also used to record the transaction file to be identified in a file registration table; insert multiple transaction files to be identified recorded in the file registration table into a file queue according to the record order, and use the transaction file to be identified at the head of the file queue as the target transaction file; start a batch processing process in the background, and obtain the transaction file to be identified at the head of the file queue by the batch processing process; It is also used to: determine whether to generate virtual storage warning information based on the transaction file to be identified; if so, generate virtual storage warning information and record the transaction file to be identified in a file registration table; if not, record the transaction file to be identified in the file registration table.

14. An electronic device, characterized in that: include: one or more processors; a storage device for storing one or more programs, When the one or more programs are executed by the one or more processors, the one or more processors implement the method according to any one of claims 1 to 12.

15. A computer readable medium having a computer program stored thereon, characterized in that: When the program is executed by a processor, the method according to any one of claims 1 to 12 is implemented.

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