Risk control processing method and device

Abstract

The present disclosure provides a risk control processing method, which is applied to the field of artificial intelligence technology. The method includes: receiving a risk warning prompt for a monitored transaction object, wherein the risk warning prompt includes warning information associated with at least one risk assessment indicator; obtaining user feature information and an initial voice script associated with the monitored transaction object; generating an automatic outbound call task based on the initial voice script according to the user feature information and the warning information; taking the target user indicated by the user feature information as the outbound call object, executing the automatic outbound call task to establish an outbound call connection with the target user terminal, and transmitting the warning information to the target user. The present disclosure also provides a risk control processing device, an electronic device, and a computer storage medium.

Description

Technical Field

[0001] The present disclosure relates to the field of artificial intelligence technology, and in particular to a risk control processing method and device. Background Art

[0002] In order to ensure the stability of modern financial markets, risk warning for financial product transactions plays an important role. For example, futures are an important risk management tool for enterprises and an effective investment method for individuals. Futures risk warning is one of the effective means to ensure the normal operation of the futures market.

[0003] In the process of implementing the technical solution disclosed in the present invention, the inventor discovered that in the related technology, when conducting risk warnings for financial product transactions, the risk conclusions based on preset risk assessment indicators cannot be notified to investors in a timely manner, and the investors' requirements for controlling real-time financial risks cannot be met, which in turn leads to the problem of profit loss due to untimely response to risk warnings. Summary of the invention

[0004] One aspect of the present disclosure provides a risk control processing method, including: receiving a risk warning prompt for a monitored transaction object, the risk warning prompt including warning information associated with at least one risk assessment indicator; obtaining user feature information and an initial voice script associated with the monitored transaction object; generating an automatic outbound call task based on the initial voice script according to the user feature information and the warning information; taking a target user indicated by the user feature information as an outbound call object, executing the automatic outbound call task to establish an outbound call connection with a target user terminal, and delivering the warning information to the target user.

[0005] Optionally, executing the automatic outbound call task to establish an outbound call connection with a target user terminal to deliver the warning information to the target user includes: when the outbound call connection is connected, playing a voice segment containing the warning information to the target user; in response to receiving a risk control instruction from the target user, performing identity authentication for the target user; when the identity authentication is successful, obtaining the target user's transaction instruction for the monitored transaction object; and sending the transaction instruction to a preset transaction terminal so that the transaction terminal performs a corresponding transaction operation based on the transaction instruction.

[0006] Optionally, after playing the voice segment containing the warning information, it also includes: playing risk control request information for the monitored transaction object to the target user; receiving key response information or voice response information fed back by the target user for the risk control request information.

[0007] Optionally, in the case where the risk control indication is key response information, the identity authentication for the target user includes: calling a self-service voice response program in key mode to obtain the identity information of the target user input based on key operation; based on the identity information, the identity authentication for the target user; and, in the case where the identity authentication is passed, obtaining the transaction indication of the target user for the monitored transaction object includes: in the case where the identity authentication is passed, obtaining the transaction indication input by the target user based on key operation.

[0008] Optionally, in the case where the risk control indication is voice response information, the identity authentication for the target user includes: based on the voice response information, the identity authentication for the target user; and, in the case where the identity authentication is passed, obtaining the transaction instructions of the target user for the monitored transaction object, including: calling a self-service voice response program in voice mode to obtain the transaction instructions input by the target user based on voice operation; identifying and processing the transaction instructions input based on voice operation to obtain a transaction instruction recognition result.

[0009] Optionally, the identity authentication of the target user based on the voice response information includes: parsing the voice response information to obtain a first voiceprint feature in the voice response information; parsing a preset template voice information associated with the target user to obtain a second voiceprint feature in the template voice information; matching the first voiceprint feature and the second voiceprint feature to obtain a matching result, and using the matching result as the identity authentication result for the target user.

[0010] Optionally, the monitored transaction objects include at least one of futures, stocks, funds, bonds and foreign exchange.

[0011] Another aspect of the present disclosure provides a risk control processing device, including: a receiving module, used to receive a risk warning prompt for a monitored transaction object, the risk warning prompt including warning information associated with at least one risk assessment indicator; a first processing module, used to obtain user feature information and an initial voice script associated with the monitored transaction object; a second processing module, used to generate an automatic outbound call task based on the initial voice script according to the user feature information and the warning information; a third processing module, used to take the target user indicated by the user feature information as the outbound call object, execute the automatic outbound call task to establish an outbound call connection with the target user terminal, and realize the delivery of the warning information to the target user.

[0012] Optionally, the third processing module includes: a first processing sub-module, used to play a voice segment containing the warning information to the target user when the outbound call connection is connected; a second processing sub-module, used to perform identity authentication for the target user in response to receiving a risk control instruction from the target user; a third processing sub-module, used to obtain the transaction instructions of the target user for the monitored transaction object when the identity authentication is passed; and a fourth processing sub-module, used to send the transaction instructions to a preset transaction terminal, so that the transaction terminal performs corresponding transaction operations based on the transaction instructions.

[0013] Optionally, the third processing module further includes: a fifth processing submodule, configured to play risk control request information for the monitored transaction object to the target user after the first processing submodule plays the lead-in voice segment containing the warning information.

[0014] Optionally, the second processing sub-module includes: a first processing unit, used to call a self-service voice response program in key mode when the risk control indication is key response information, so as to obtain the identity information of the target user input based on key operation; a second processing unit, used to perform identity authentication for the target user based on the identity information; the third processing sub-module includes: a third processing unit, used to obtain the transaction instruction input by the target user based on key operation when the identity authentication is passed.

[0015] Optionally, the second processing sub-module also includes: a fourth processing unit, which is used to perform identity authentication for the target user based on the voice response information when the risk control indication is voice response information; the third processing sub-module also includes: a fifth processing unit, which is used to call the self-service voice response program in voice mode to obtain the transaction instructions of the target user based on voice operation input; and a sixth processing unit, which is used to identify and process the transaction instructions based on voice operation input to obtain a transaction instruction recognition result.

[0016] Optionally, the fourth processing unit includes: a first processing subunit, used to parse the voice response information to obtain a first voiceprint feature in the voice response information; a second processing subunit, used to parse the preset template voice information associated with the target user to obtain a second voiceprint feature in the template voice information; a third processing subunit, used to match the first voiceprint feature and the second voiceprint feature to obtain a matching result, and use the matching result as an identity authentication result for the target user.

[0017] Optionally, the monitored transaction objects include at least one of futures, stocks, funds, bonds and foreign exchange.

[0018] Another aspect of the present disclosure provides an electronic device, comprising one or more processors; and a memory 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 method of an embodiment of the present disclosure.

[0019] Another aspect of the present disclosure provides a computer-readable storage medium storing computer-executable instructions, which are used to implement the method of the embodiment of the present disclosure when executed.

[0020] Another aspect of the present disclosure provides a computer program product, comprising computer-readable instructions, wherein the computer-readable instructions are used to execute the risk control processing method of the embodiment of the present disclosure when executed. BRIEF DESCRIPTION OF THE DRAWINGS

[0021] For a more complete understanding of the present disclosure and its advantages, reference will now be made to the following description taken in conjunction with the accompanying drawings, in which:

[0022] Figure 1 The system architecture of the risk control processing method and device according to the embodiment of the present disclosure is schematically shown;

[0023] Figure 2 A flow chart of a risk control processing method according to an embodiment of the present disclosure is schematically shown;

[0024] Figure 3 A flowchart schematically shows another risk control processing method according to an embodiment of the present disclosure;

[0025] Figure 4 A schematic diagram schematically shows a terminal interaction process according to an embodiment of the present disclosure;

[0026] Figure 5 A block diagram of a risk control processing device according to an embodiment of the present disclosure is schematically shown;

[0027] Figure 6 A block diagram of an electronic device according to an embodiment of the present disclosure is schematically shown. DETAILED DESCRIPTION

[0028] Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. However, it should be understood that these descriptions are exemplary only and are not intended to limit the scope of the present disclosure. In the following detailed description, for ease of explanation, many specific details are set forth to provide a comprehensive understanding of the embodiments of the present disclosure. However, it is apparent that one or more embodiments may also be implemented without these specific details. In addition, in the following description, descriptions of known structures and technologies are omitted to avoid unnecessary confusion of the concepts of the present disclosure.

[0029] The terms used herein are only for describing specific embodiments and are not intended to limit the present disclosure. The terms "include", "comprising", etc. used herein indicate the existence of features, operations, operations and / or components, but do not exclude the existence or addition of one or more other features, operations, operations or components.

[0030] All terms (including technical and scientific terms) used herein have the meanings commonly understood by those skilled in the art, unless otherwise defined. It should be noted that the terms used herein should be interpreted as having a meaning consistent with the context of this specification, and should not be interpreted in an idealized or overly rigid manner.

[0031] When using expressions such as "at least one of A, B, and C, etc.", they should generally be interpreted according to the meaning of the expression commonly understood by those skilled in the art (for example, "a system having at least one of A, B, and C" should include but is not limited to a system having A alone, B alone, C alone, A and B, A and C, B and C, and / or A, B, C, etc.).

[0032] Some block diagrams and / or flow charts are shown in the accompanying drawings. It should be understood that some boxes or combinations thereof in the block diagrams and / or flow charts can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, or other programmable risk control processing device, so that these instructions can create a device for implementing the functions / operations described in these block diagrams and / or flow charts when executed by the processor. The technology of the present disclosure can be implemented in the form of hardware and / or software (including firmware, microcode, etc.). In addition, the technology of the present disclosure can take the form of a computer program product on a computer-readable storage medium storing instructions, which can be used by an instruction execution system or used in combination with an instruction execution system.

[0033] The embodiment of the present disclosure provides a risk control processing method and a processing device capable of applying the method. In the method, first, a risk warning prompt for a monitored transaction object is received, and the risk warning prompt includes warning information associated with at least one risk assessment indicator. Then, user feature information and an initial voice script associated with the monitored transaction object are obtained. Next, an automatic outbound call task is generated based on the initial voice script according to the user feature information and the warning information. Finally, the target user indicated by the user feature information is used as the outbound call object, and the automatic outbound call task is executed to establish an outbound call connection with the target user terminal, so as to transmit the warning information to the target user.

[0034] Figure 1The system architecture of the risk control processing method and device according to the embodiment of the present disclosure is schematically shown. It should be noted that: Figure 1 What is shown is merely an example of a system architecture to which the embodiments of the present disclosure can be applied, in order to help those skilled in the art understand the technical content of the present disclosure, but it does not mean that the embodiments of the present disclosure cannot be used in other devices, systems, environments or scenarios.

[0035] like Figure 1 As shown, the system architecture 100 may include a risk warning system 101, a risk control system 102 and a user terminal (multiple are shown in the figure, such as user terminals 103, 104, and 105). The risk warning system 101 may be a third-party system for managing financial product transactions. The risk control system 102, as the executor of this solution, may be an independent physical server, a server cluster or a distributed system composed of multiple physical servers, or a cloud server that provides basic cloud computing services such as cloud services, cloud computing, network services, and middleware services.

[0036] First, the risk control system 102 receives a risk warning prompt for a monitored transaction object from the risk warning system 101, where the risk warning prompt includes warning information associated with at least one risk assessment indicator. Then, the risk control system 102 obtains user feature information and an initial voice script associated with the monitored transaction object from the database server, and generates an automatic outbound call task based on the initial voice script according to the user feature information and the warning information. Finally, the risk control system 102 takes the target user indicated by the user feature information as the outbound call object, executes the automatic outbound call task to establish an outbound call connection with the target user terminal (such as user terminals 103, 104, 105), and transmits the warning information to the target user.

[0037] It should be noted that the risk control processing method and device of the embodiment of the present disclosure can be used in the financial field, and can also be used in any field other than the financial field. The present disclosure will be described in detail below in conjunction with the accompanying drawings and specific embodiments.

[0038] Figure 2 A flow chart of a risk control processing method according to an embodiment of the present disclosure is schematically shown. Figure 2 As shown, method 200 may include operations S210 to S240.

[0039] In operation S210, a risk warning prompt for a monitored transaction object is received, where the risk warning prompt includes warning information associated with at least one risk assessment indicator.

[0040] Next, in operation S220, user characteristic information and an initial voice script associated with the monitored transaction object are obtained.

[0041] Next, in operation S230, an automatic outbound call task is generated based on the initial voice script according to the user characteristic information and the warning information.

[0042] Next, in operation S240, the target user indicated by the user characteristic information is taken as an outbound call object, and an automatic outbound call task is performed to establish an outbound call connection with the target user terminal, so as to transmit the warning information to the target user.

[0043] The specific process of each step of the risk control processing method of this embodiment is described in detail below.

[0044] In operation S210, a risk warning prompt for a monitored transaction object is received, where the risk warning prompt includes warning information associated with at least one risk assessment indicator.

[0045] In this embodiment, specifically, a risk warning prompt for a monitored transaction object is received from a risk warning system, wherein the risk warning system may be a third-party system for managing financial product transactions, and the monitored transaction objects may include, for example, futures, stocks, funds, bonds, and foreign exchange, etc. The risk warning prompt includes warning information associated with at least one risk assessment indicator, and the risk control requirements associated with different monitored transaction objects may be different, and the transaction methods adopted may be different, so the risk assessment indicators for different monitored transaction objects may also be different.

[0046] Exemplarily, when the monitored transaction object is futures, the risk assessment indicators for futures transactions may include, for example, capital indicators, position indicators, price indicators, and member indicators. Among them, capital indicators may include, for example, market profit and loss indicators, capital change indicators, long and short capital strength indicators, etc., position indicators may include, for example, large position holder distribution ratio indicators, long and short large position distribution ratio difference indicators, short volume change indicators, etc., price indicators may include, for example, member position lock-in depth indicators, price change indicators, position average price change indicators, adjacent month price difference indicators, etc., and member indicators may be considered from aspects such as member positions and position changes, member trading volume and trading changes, member funds and fund volume changes, and member risk rate. In practical applications, the risk warning system may determine the futures profit and loss assessment value based on futures price data and quantity data, and generate warning information for the monitored futures when the futures profit and loss exceeds the preset warning value.

[0047] After the risk warning system obtains the warning information for the monitored transaction object, it can generally only transmit the warning information to specific preset personnel, and cannot convey the warning information to the transaction users associated with the monitored transaction object in real time. Therefore, in order to achieve real-time response to the risk warning for the monitored transaction object, the risk warning system generates a risk warning prompt based on the warning information, and sends the risk warning prompt to the risk control system in real time, so that the risk control system can generate an automatic outbound call task based on the received risk warning prompt and execute it automatically, so as to timely transmit the warning information to the transaction users associated with the monitored transaction object, so that the transaction users can control the financial risks in real time and respond.

[0048] Next, in operation S220, user characteristic information and an initial voice script associated with the monitored transaction object are obtained.

[0049] In this embodiment, specifically, the risk control system obtains user feature information associated with the monitored transaction object from the database server, and obtains an initial voice script for generating an automatic outbound call task. User feature information may include, for example, user name, user age, contact information, occupation information, location information, customer type, etc., wherein the customer type may include, for example, ordinary users and VIP users. The initial voice script is a preset voice script template that meets business needs, which may be implemented, for example, using Voice Extensible Markup Language (VXML). The initial voice script can generally be an editable document, and an outbound voice script suitable for the outbound call object is generated by editing the initial voice script.

[0050] Next, in operation S230, an automatic outbound call task is generated based on the initial voice script according to the user characteristic information and the warning information.

[0051] In this embodiment, specifically, the initial voice script is edited according to the acquired user feature information to change the segment name item in the initial voice script. In addition, according to the received warning information, the warning information is added to the speech item in the initial voice script to obtain an outbound voice script that matches the target user. In addition, the risk control request information for the warning information can also be called, and the risk control request information is added to the speech item in the initial voice script to obtain an outbound voice script suitable for the target user.

[0052] The outbound call task identifier, outbound call user information, outbound call service type and outbound call voice script constitute an automatic outbound call task. The outbound call task identifier is used to uniquely identify the outbound call task, which can be an outbound call task ID; the outbound call user information includes, for example, the target user's mobile phone number, name, age, location and other information; the outbound call service type includes, for example, risk control service types associated with financial products such as futures, stocks, funds, bonds, foreign exchange, etc.

[0053] When there is more than one target user associated with the same monitored transaction object, or when risk warning prompts are received for multiple monitored transaction objects, multiple automatic outbound call tasks can be generated according to the user type to which each target user belongs and the risk level indicated by each risk warning prompt. Then, priority scores are given to each automatic outbound call task according to the priority contribution value of the user type and the priority contribution value of the risk level. In addition, multiple automatic outbound call tasks are sorted according to the priority score, and the sorted multiple automatic outbound call tasks constitute an outbound call task list. Finally, the automatic outbound call tasks in the outbound call task list are read and executed in order. By considering the differences between different target users and the personalized needs of different risk warning prompts, this design can effectively improve the efficiency of automatic outbound calls and enhance the effectiveness of risk warning transmission.

[0054] Next, in operation S240, the target user indicated by the user characteristic information is taken as an outbound call object, and an automatic outbound call task is performed to establish an outbound call connection with the target user terminal, so as to transmit the warning information to the target user.

[0055] In this embodiment, specifically, an outbound call connection is established with the target user terminal according to the acquired outbound call number of the target user. When the outbound call connection is established, the self-service voice response program is called to convey the warning information in the risk warning prompt to the target user and receive the risk control instruction from the target user. For the specific implementation details of this step, please refer to the description of the next embodiment.

[0056] Through the disclosed embodiment, a risk warning prompt for a monitored transaction object is received, and the risk warning prompt includes warning information associated with at least one risk assessment indicator; user feature information and an initial voice script associated with the monitored transaction object are obtained; an automatic outbound call task is generated based on the initial voice script according to the user feature information and the warning information; the target user indicated by the user feature information is used as the outbound call object, and the automatic outbound call task is executed to establish an outbound call connection with the target user terminal, so as to realize the transmission of the warning information to the target user. After receiving the risk warning prompt for the monitored transaction object, an automatic outbound call task for the risk warning prompt is generated, and by executing the automatic outbound call task, the warning information for the monitored transaction object is timely conveyed to the target user. This design can effectively improve the real-time response to financial transaction risks, is conducive to improving the ability to respond to operational risks arising from financial product transactions, and provides users with the possibility of real-time control of financial risks and timely adoption of prevention and control measures, which is conducive to reducing unnecessary transaction income losses for users and promoting the stable and orderly operation of the financial transaction market.

[0057] Figure 3 A flow chart schematically shows another risk control processing method according to an embodiment of the present disclosure, as shown in FIG. Figure 3 As shown, method 240 may include operations S310 to S340.

[0058] In operation S310, when the outbound call is connected, an incoming voice segment containing warning information is played to the target user.

[0059] Next, in operation S320, in response to receiving the risk control instruction of the target user, identity verification of the target user is performed.

[0060] Next, in operation S330, when the identity authentication is passed, a transaction instruction of the target user for the monitored transaction object is obtained.

[0061] Next, in operation S340, a transaction instruction is sent to a preset transaction terminal, so that the transaction terminal performs a corresponding transaction operation based on the transaction instruction.

[0062] The specific process of each step of the risk control processing method of this embodiment is described in detail below.

[0063] In this embodiment, specifically, when the outbound call connection with the target user terminal is connected, an incoming voice segment containing warning information is played to the target user. The incoming voice segment is based on a preset incoming voice segment template and is generated according to user feature information of the outbound call object and the warning information to be conveyed. The incoming voice segment is used to inform the target user of the outbound call.

[0064] After the voice of the input segment is played, the risk control request information for the monitored transaction object is played to the target user to confirm whether the target user needs to take risk control measures for the early warning information. Risk control measures include, for example, adding positions, reducing positions, and leaving the market. After the risk control request information is played, the target user can feedback the response information by pressing the terminal keys, or directly feedback the response information by voice. Therefore, when the key response information or voice response information fed back by the target user for the risk control request information is received and the risk control instructions for the early warning information are included in the obtained response message, the identity authentication of the target user is performed.

[0065] Specifically, when the risk control instruction is key response information, the self-service voice response program in key mode is called to obtain the identity information of the target user input based on the key operation; based on the identity information, the identity authentication of the target user is performed; and when the identity authentication is passed, the transaction instruction of the target user input based on the key operation is obtained.

[0066] The target user's identity information input based on key operation may be, for example, the ID number and verification password input by the target user during a call. The obtained identity information is checked for consistency with the identity reference information pre-stored in the user database to obtain the identity authentication result for the target user.

[0067] In the case where the risk control instruction is voice response information, identity authentication is performed on the target user based on the voice response information of the target user; and, if the identity authentication is passed, the self-service voice response program in voice mode is called to obtain the transaction instruction input by the target user based on voice operation; the transaction instruction input based on voice operation is recognized and processed to obtain the transaction instruction recognition result.

[0068] In the case where the target user directly responds with a voice message, the voiceprint verification of the target user is performed based on the voice response information of the target user. Specifically, the voice response information is parsed to obtain the first voiceprint feature in the voice response information; the preset template voice information associated with the target user is parsed to obtain the second voiceprint feature in the template voice information; the first voiceprint feature and the second voiceprint feature are matched to obtain a matching result, and the matching result is used as the identity authentication result for the target user.

[0069] Optionally, the target user's voice response information is parsed to extract a first Mel-frequency cepstral coefficient eigenvalue vector in the voice response information. The template voice information associated with the target user is parsed to extract a second Mel-frequency cepstral coefficient eigenvalue vector in the template voice information. The template voice information may be reference voice information recorded in advance by the target user for identity verification.

[0070] After extracting the first voiceprint feature and the second voiceprint feature, the similarity between the first voiceprint feature and the second voiceprint feature is calculated. When the similarity is higher than a preset threshold, the identity information of the target user is determined to be true. Therefore, the cumulative distance between the first Mel-frequency cepstral coefficient eigenvalue vector and the second Mel-frequency cepstral coefficient eigenvalue vector can be calculated based on a preset distance function. When the cumulative distance is less than the set threshold, it is determined that the identity authentication for the target user is passed, wherein the cumulative distance usually adopts the Euclidean distance.

[0071] Figure 4 A schematic diagram schematically shows a terminal interaction process according to an embodiment of the present disclosure, such as Figure 4 As shown, the interaction process 400 includes interaction operations S410 to S440.

[0072] In interactive operation S410, the risk warning system sends a risk warning prompt for the monitored transaction object to the risk control system, and the risk warning prompt includes warning information associated with at least one risk evaluation indicator.

[0073] In interactive operation S420, the risk control system generates and executes an automatic outbound call task based on the received risk warning prompt. After the outbound call connection between the risk control system and the target user terminal is established, the risk control system plays the incoming segment voice containing the warning information to the target user, and plays the risk control request information for the warning information.

[0074] In the interactive operation S430, the target user feeds back response information by pressing keys on the terminal. The key response information includes the identity information input by the target user and the risk control instructions for the warning information.

[0075] Alternatively, in the interactive operation S431, the target user directly feeds back response information through voice, and the voice response information includes risk control instructions for the warning information.

[0076] In the interactive operation S440, the risk control system performs identity authentication for the target user based on the identity identification information input by the target user through keys, or based on the voice response information of the target user, and if the identity authentication is passed, sends a transaction instruction to the risk warning system, so that the risk warning system executes the corresponding transaction operation based on the transaction instruction.

[0077] Figure 5 A block diagram of a risk control processing device according to an embodiment of the present disclosure is schematically shown.

[0078] like Figure 5 As shown, the apparatus 500 includes a receiving module 501 , a first processing module 502 , a second processing module 503 and a third processing module 504 .

[0079] Specifically, the receiving module 501 is used to receive risk warning prompts for monitored transaction objects, and the risk warning prompts include warning information associated with at least one risk assessment indicator; the first processing module 502 is used to obtain user characteristic information and an initial voice script associated with the monitored transaction object; the second processing module 503 is used to generate an automatic outbound call task based on the initial voice script according to the user characteristic information and the warning information; the third processing module 504 is used to take the target user indicated by the user characteristic information as the outbound call object, execute the automatic outbound call task to establish an outbound call connection with the target user terminal, and realize the transmission of warning information to the target user.

[0080] Through the disclosed embodiment, a risk warning prompt for a monitored transaction object is received, and the risk warning prompt includes warning information associated with at least one risk assessment indicator; user feature information and an initial voice script associated with the monitored transaction object are obtained; an automatic outbound call task is generated based on the initial voice script according to the user feature information and the warning information; the target user indicated by the user feature information is used as the outbound call object, and the automatic outbound call task is executed to establish an outbound call connection with the target user terminal, so as to realize the transmission of the warning information to the target user. After receiving the risk warning prompt for the monitored transaction object, an automatic outbound call task for the risk warning prompt is generated, and by executing the automatic outbound call task, the warning information for the monitored transaction object is timely conveyed to the target user. This design can effectively improve the real-time response to financial transaction risks, is conducive to improving the ability to respond to operational risks arising from financial product transactions, and provides users with the possibility of real-time control of financial risks and timely adoption of prevention and control measures, which is conducive to reducing unnecessary transaction income losses for users and promoting the stable and orderly operation of the financial transaction market.

[0081] As a feasible approach, the third processing module includes: a first processing sub-module, used to play a voice segment containing warning information to the target user when the outbound call is connected; a second processing sub-module, used to perform identity authentication for the target user in response to receiving a risk control instruction from the target user; a third processing sub-module, used to obtain the target user's transaction instructions for the monitored transaction object when the identity authentication is successful; and a fourth processing sub-module, used to send transaction instructions to a preset transaction terminal so that the transaction terminal performs corresponding transaction operations based on the transaction instructions.

[0082] As a feasible approach, the third processing module further includes: a fifth processing submodule, which is used to play risk control request information for the monitored transaction object to the target user after the first processing submodule plays the input voice segment containing the warning information.

[0083] As a feasible approach, the second processing submodule includes: a first processing unit, which is used to call a self-service voice response program in key mode when the risk control indication is key response information, so as to obtain the identity information of the target user input based on key operation; a second processing unit, which is used to perform identity authentication for the target user based on the identity information; the third processing submodule includes: a third processing unit, which is used to obtain the transaction instructions input by the target user based on key operation when the identity authentication is passed.

[0084] As a feasible approach, the second processing submodule also includes: a fourth processing unit, which is used to perform identity authentication for the target user based on the voice response information when the risk control indication is voice response information; the third processing submodule also includes: a fifth processing unit, which is used to call the self-service voice response program in voice mode to obtain the transaction instructions of the target user based on voice operation input; and a sixth processing unit, which is used to identify and process the transaction instructions based on voice operation input to obtain a transaction instruction recognition result.

[0085] As a feasible approach, the fourth processing unit includes: a first processing subunit, used to parse and process the voice response information to obtain a first voiceprint feature in the voice response information; a second processing subunit, used to parse and process the preset template voice information associated with the target user to obtain a second voiceprint feature in the template voice information; a third processing subunit, used to match the first voiceprint feature and the second voiceprint feature to obtain a matching result, and use the matching result as an identity authentication result for the target user.

[0086] As a feasible approach, the monitored transaction objects include at least one of futures, stocks, funds, bonds and foreign exchange.

[0087] It should be noted that in the embodiments of the present disclosure, the implementation of the device part is the same as or similar to the implementation of the method part, and will not be repeated here.

[0088] According to any one or more of the modules of the embodiments of the present disclosure, or at least part of the functions of any one of them, can be implemented in one module. According to any one or more of the modules of the embodiments of the present disclosure, it can be split into multiple modules for implementation. According to any one or more of the modules of the embodiments of the present disclosure, it can be at least partially implemented as a hardware circuit, such as a field programmable gate array (FPGA), a programmable logic array (PLA), a system on a chip, a system on a substrate, a system on a package, an application-specific integrated circuit (ASIC), or can be implemented by hardware or firmware of any other reasonable way of integrating or packaging the circuit, or implemented in any one of the three implementation methods of software, hardware and firmware or in any appropriate combination of any of them. Or according to one or more of the modules of the embodiments of the present disclosure, it can be at least partially implemented as a computer program module, and when the computer program module is run, the corresponding function can be performed.

[0089] For example, any multiple of the receiving module 501, the first processing module 502, the second processing module 503, and the third processing module 504 can be combined in one module for implementation, or any one of the modules can be split into multiple modules. Alternatively, at least part of the functions of one or more of these modules can be combined with at least part of the functions of other modules and implemented in one module. According to an embodiment of the present disclosure, at least one of the receiving module 501, the first processing module 502, the second processing module 503, and the third processing module 504 can be at least partially implemented as a hardware circuit, such as a field programmable gate array (FPGA), a programmable logic array (PLA), a system on a chip, a system on a substrate, a system on a package, an application specific integrated circuit (ASIC), or can be implemented by hardware or firmware such as any other reasonable way of integrating or packaging the circuit, or by any one of the three implementation methods of software, hardware, and firmware, or by a suitable combination of any of them. At least one of the receiving module 501 , the first processing module 502 , the second processing module 503 and the third processing module 504 may be at least partially implemented as a computer program module, and when the computer program module is executed, a corresponding function may be executed.

[0090] Figure 6 A block diagram of an electronic device 600 suitable for implementing the processing method and processing device according to an embodiment of the present disclosure is schematically shown. Figure 6 The electronic device 600 shown is only an example and should not bring any limitation to the functions and scope of use of the embodiments of the present disclosure.

[0091] like Figure 6As shown, the electronic device 600 according to an embodiment of the present disclosure includes a processor 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. The processor 601 may include, for example, a general-purpose microprocessor (e.g., a CPU), an instruction set processor and / or a related chipset and / or a special-purpose microprocessor (e.g., an application-specific integrated circuit (ASIC)), etc. The processor 601 may also include an onboard memory for caching purposes. The processor 601 may include a single processing unit or multiple processing units for performing different actions of the method flow according to an embodiment of the present disclosure.

[0092] In RAM603, various programs and data required for the operation of electronic device 600 are stored. Processor 601, ROM602 and RAM603 are connected to each other via bus 604. Processor 601 performs various operations of the method flow according to the embodiment of the present disclosure by executing the program in ROM602 and / or RAM603. It should be noted that the program can also be stored in one or more memories other than ROM602 and RAM603. Processor 601 can also perform various operations of the method flow according to the embodiment of the present disclosure by executing the program stored in one or more memories.

[0093] According to an embodiment of the present disclosure, the electronic device 600 may further include an input / output (I / O) interface 605, which is also connected to the bus 604. The electronic device 600 may further include one or more of the following components connected to the I / O interface 605: an input portion 606 including a keyboard, a mouse, etc.; an output portion 607 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage portion 608 including a hard disk, etc.; and a communication portion 609 including a network interface card such as a LAN card, a modem, etc. The communication portion 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 portion 608 as needed.

[0094] According to an embodiment of the present disclosure, the method flow according to an embodiment of the present disclosure can be implemented as a computer software program. For example, an embodiment of the present disclosure includes a computer program product, which includes a computer program carried on a computer-readable storage medium, and the computer program contains 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 processor 601, the above-mentioned functions defined in the system of the embodiment of the present disclosure are executed. According to an embodiment of the present disclosure, the system, equipment, device, module, unit, etc. described above can be implemented by a computer program module.

[0095] The present disclosure also provides a computer-readable storage medium, which may be included in the device / apparatus / system described in the above embodiments; or may exist independently without being assembled into the device / apparatus / system. The above computer-readable storage medium carries one or more programs, and when the above one or more programs are executed, the method according to the embodiment of the present disclosure is implemented.

[0096] According to an embodiment of the present disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium, for example, may include but is not limited to: 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), a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination thereof. In the present disclosure, a computer-readable storage medium may be any tangible medium containing or storing a program, which may be used by or in combination with an instruction execution system, an apparatus or a device. For example, according to an embodiment of the present disclosure, a computer-readable storage medium may include the ROM 602 and / or RAM 603 described above and / or one or more memories other than ROM 602 and RAM 603.

[0097] An embodiment of the present disclosure also includes a computer program product, which includes a computer program, and the computer program contains a program code for executing the method provided by the embodiment of the present disclosure. When the computer program product runs on an electronic device, the program code is used to enable the electronic device to implement the method for detecting file upload vulnerabilities provided by the embodiment of the present disclosure.

[0098] When the computer program is executed by the processor 601, the above functions defined in the system / device of the embodiment of the present disclosure are executed. According to the embodiment of the present disclosure, the system, device, module, unit, etc. described above can be implemented by a computer program module.

[0099] In one embodiment, the computer program may rely on tangible storage media such as optical storage devices, magnetic storage devices, etc. In another embodiment, the computer program may also be transmitted and distributed in the form of signals on a network medium, and downloaded and installed through the communication part 609, and / or installed from a removable medium 611. The program code contained in the computer program may be transmitted using any appropriate network medium, including but not limited to: wireless, wired, etc., or any suitable combination of the above.

[0100] According to an embodiment of the present disclosure, the program code for executing the computer program provided by the embodiment of the present disclosure can be written in any combination of one or more programming languages. Specifically, these computing programs can be implemented using high-level process and / or object-oriented programming languages, and / or assembly / machine languages. Programming languages ​​include, but are not limited to, Java, C++, python, "C" language or similar programming languages. The program code can be executed entirely on the user computing device, partially on the user device, partially on the remote computing device, or entirely on the remote computing device or server. In the case of a remote computing device, the remote computing device can be connected to the user computing device through any type of network, including a local area network (LAN) or a wide area network (WAN), or can be connected to an external computing device (for example, using an Internet service provider to connect through the Internet).

[0101] The flow charts and block diagrams in the accompanying drawings illustrate the possible architecture, functions and operations of the systems, methods and computer program products according to various embodiments of the present disclosure. 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.

[0102] The embodiments of the present disclosure are described above. However, these embodiments are only for illustrative purposes and are not intended to limit the scope of the present disclosure. Without departing from the scope of the present disclosure, those skilled in the art may make various substitutions and modifications, which should all fall within the scope of the present disclosure.

Claims

1. A risk control method, comprising: Receiving a risk warning prompt for a monitored transaction object, wherein the risk warning prompt includes warning information associated with at least one risk assessment indicator; Acquiring user characteristic information and an initial voice script associated with the monitored transaction object; Generate an automatic outbound call task based on the initial voice script according to the user feature information and the warning information; The target user indicated by the user characteristic information is used as an outbound call object, the automatic outbound call task is executed to establish an outbound call connection with the target user terminal, and the warning information is transmitted to the target user. The step of executing the automatic outbound call task to establish an outbound call connection with a target user terminal and delivering the warning information to the target user includes: When the outbound call is connected, a voice segment containing the warning information is played to the target user. After playing the voice segment containing the warning information, the method further includes: Playing risk control request information for the monitored transaction object to the target user; Receiving key response information or voice response information fed back by the target user in response to the risk control request information; In response to receiving the risk control instruction of the target user, performing identity authentication for the target user, The performing of identity authentication for the target user includes: Parsing the voice response information of the target user to extract the first Mel-frequency cepstral coefficient eigenvalue vector in the voice response information; Parsing the template voice information associated with the target user, and extracting the second Mel-frequency cepstral coefficient eigenvalue vector in the template voice information, wherein the template voice information is reference voice information recorded in advance by the target user for identity verification; Based on a preset distance function, calculating the cumulative distance between the first Mel-frequency cepstral coefficient eigenvalue vector and the second Mel-frequency cepstral coefficient eigenvalue vector, and when the cumulative distance is less than a set threshold, determining that the identity authentication for the target user is passed; If the identity verification is successful, obtaining a transaction instruction of the target user for the monitored transaction object; The transaction instruction is sent to a preset transaction terminal so that the transaction terminal performs a corresponding transaction operation based on the transaction instruction.

2. The method according to claim 1, wherein: In the case where the risk control indication is key response information, the performing identity authentication for the target user includes: Invoking a self-service voice response program in a key mode to obtain identity information input by the target user based on key operation; Based on the identity information, perform identity authentication for the target user; And, in the case where the identity authentication is passed, obtaining the transaction instruction of the target user for the monitored transaction object includes: When the identity authentication is passed, the transaction instruction input by the target user based on key operation is obtained.

3. The method according to claim 1, wherein: In the case where the risk control indication is voice response information, the performing identity authentication for the target user includes: Performing identity authentication for the target user based on the voice response information; And, in the case where the identity authentication is passed, obtaining the transaction instruction of the target user for the monitored transaction object includes: Invoking a self-service voice response program in voice mode to obtain a transaction instruction input by the target user based on voice operation; The transaction instruction input based on the voice operation is recognized and processed to obtain a transaction instruction recognition result.

4. The method according to claim 3, wherein: The performing identity authentication for the target user based on the voice response information includes: Analyzing the voice response information to obtain a first voiceprint feature in the voice response information; Parsing the preset template voice information associated with the target user to obtain a second voiceprint feature in the template voice information; The first voiceprint feature and the second voiceprint feature are matched to obtain a matching result, and the matching result is used as an identity authentication result for the target user.

5. The method according to any one of claims 1 to 4, wherein: The monitored transaction objects include at least one of futures, stocks, funds, bonds and foreign exchange.

6. A risk control processing device, comprising: A receiving module, configured to receive a risk warning prompt for a monitored transaction object, wherein the risk warning prompt includes warning information associated with at least one risk assessment indicator; A first processing module, configured to obtain user characteristic information and an initial voice script associated with the monitored transaction object; A second processing module is used to generate an automatic outbound call task based on the initial voice script according to the user feature information and the warning information; The third processing module is used to take the target user indicated by the user characteristic information as the outbound call object, execute the automatic outbound call task to establish an outbound call connection with the target user terminal, and realize the transmission of the warning information to the target user. The step of executing the automatic outbound call task to establish an outbound call connection with a target user terminal and delivering the warning information to the target user includes: When the outbound call is connected, a voice segment containing the warning information is played to the target user. After playing the voice segment containing the warning information, the method further includes: Playing risk control request information for the monitored transaction object to the target user; Receiving key response information or voice response information fed back by the target user in response to the risk control request information; In response to receiving the risk control instruction of the target user, performing identity authentication for the target user, The performing of identity authentication for the target user includes: Parsing the voice response information of the target user to extract the first Mel-frequency cepstral coefficient eigenvalue vector in the voice response information; Parsing the template voice information associated with the target user, and extracting the second Mel-frequency cepstral coefficient eigenvalue vector in the template voice information, wherein the template voice information is reference voice information recorded in advance by the target user for identity verification; Based on a preset distance function, calculating the cumulative distance between the first Mel-frequency cepstral coefficient eigenvalue vector and the second Mel-frequency cepstral coefficient eigenvalue vector, and when the cumulative distance is less than a set threshold, determining that the identity authentication for the target user is passed; If the identity verification is successful, obtaining a transaction instruction of the target user for the monitored transaction object; The transaction instruction is sent to a preset transaction terminal so that the transaction terminal performs a corresponding transaction operation based on the transaction instruction.

7. An electronic device comprising: one or more processors; as well as a memory 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 5.

8. A computer-readable storage medium having executable instructions stored thereon, which, when executed by a processor, enables the processor to implement the method according to any one of claims 1 to 5.

9. A computer program product, comprising a computer program, wherein when the computer program is executed by a processor, the method according to any one of claims 1 to 5 is implemented.

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