Risk control method and device for suspicious deposit transactions

Abstract

The present invention provides a risk control method and device for suspicious deposit transactions, applicable to the field of financial technology. The method comprises: establishing a customer relationship map based on payment and transfer transaction data; obtaining the cash serial number corresponding to the deposited cash when the customer makes a deposit; obtaining the time when the cash serial number corresponding to the deposited cash was entered into the bank system from cash data stored in the bank database; selecting, from historical withdrawal transactions stored in the bank database, multiple withdrawal transactions in which the cash serial number corresponding to the deposited cash matches the cash serial number corresponding to the deposited cash and the transaction time is greater than the time when the cash serial number was entered into the bank system; determining multiple customers corresponding to the selected multiple withdrawal transactions; determining the correlation between the selected multiple customers and the customer based on the customer relationship map; and modifying the customer's identity authentication threshold during the deposit transaction based on the correlation. The present invention can achieve risk control for suspicious deposit transactions.

Description

Technical Field

[0001] The present invention relates to the field of financial technology, and in particular to a risk control method and device for suspicious deposit transactions. Background Art

[0002] If a bank customer's information is leaked, such as their card number or password being stolen, there is a risk of funds being stolen. For example, withdrawing cash from a bank cash terminal could result in losses for the customer. Currently, there is a lack of a risk control method for suspicious deposit transactions. Summary of the Invention

[0003] An embodiment of the present invention provides a risk control method for suspicious deposit transactions, for implementing risk control of suspicious deposit transactions. The method includes:

[0004] Build a customer relationship map based on payment and transfer transaction data;

[0005] When a customer deposits money at a bank, obtain the cash serial number corresponding to the deposited cash;

[0006] From the cash data stored in the bank database, obtain the time when the cash serial number corresponding to the deposited cash was entered into the bank system;

[0007] From the historical withdrawal transactions stored in the bank database, multiple withdrawal transactions are selected in which the cash serial number corresponding to the deposit cash is consistent with the cash serial number corresponding to the deposit cash and the transaction time is greater than the time entered into the bank system;

[0008] Determine multiple customers corresponding to the selected multiple withdrawal transactions;

[0009] Based on the customer relationship graph, determine the relevance between the selected multiple customers and the customer;

[0010] Based on the relevance between the selected multiple customers and the customer, the identity authentication threshold of the customer during the deposit transaction is modified.

[0011] An embodiment of the present invention provides a risk control device for suspicious deposit transactions, for implementing risk control of suspicious deposit transactions. The device includes:

[0012] A customer relationship graph building module is used to build a customer relationship graph based on payment transaction and transfer transaction data;

[0013] The cash serial number acquisition module is used to obtain the cash serial number corresponding to the deposited cash when the customer deposits money at the bank;

[0014] The cash time entry module is used to obtain the time when the cash serial number corresponding to the deposit cash is entered into the bank system from the cash data stored in the bank database;

[0015] The relevant withdrawal transaction selection module is used to select multiple withdrawal transactions in which the cash serial number corresponding to the deposit cash is consistent with the cash serial number corresponding to the deposit cash and the transaction time is greater than the time entered into the bank system from the historical withdrawal transactions stored in the bank database;

[0016] A related customer determination module is used to determine multiple customers corresponding to the selected multiple withdrawal transactions;

[0017] A customer relevance determination module is used to determine the relevance between the selected multiple customers and the customer based on the customer relationship graph;

[0018] The identity authentication threshold correction module is used to correct the identity authentication threshold of the customer during the deposit transaction based on the relevance between the selected multiple customers and the customer.

[0019] An embodiment of the present invention further provides a computer device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the risk control method for suspicious deposit transactions when executing the computer program.

[0020] An embodiment of the present invention further provides a computer-readable storage medium storing a computer program. When the computer program is executed by a processor, the method for controlling risk of suspicious deposit transactions is implemented.

[0021] An embodiment of the present invention further provides a computer program product, which includes a computer program. When the computer program is executed by a processor, it implements the risk control method for suspicious deposit transactions.

[0022] In an embodiment of the present invention, a customer relationship graph is established based on payment transaction and transfer transaction data; when a customer makes a bank deposit, the cash serial number corresponding to the deposited cash is obtained; the time when the cash serial number corresponding to the deposited cash was entered into the bank system is obtained from the cash data stored in the bank database; from historical withdrawal transactions stored in the bank database, multiple withdrawal transactions are selected in which the cash serial number corresponding to the deposited cash is consistent with the cash serial number corresponding to the deposited cash and the transaction time is greater than the time when the cash serial number was entered into the bank system; multiple customers corresponding to the selected multiple withdrawal transactions are determined; based on the customer relationship graph, the correlation between the selected multiple customers and the customer is determined; and based on the correlation between the selected multiple customers and the customer, the identity authentication threshold for the customer during the deposit transaction is modified. Through the above steps, the current identity authentication threshold for the customer during the deposit transaction can be obtained in real time during the deposit, thereby better controlling the risks associated with the deposit transaction. BRIEF DESCRIPTION OF THE DRAWINGS

[0023] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the following briefly introduces the drawings required for the embodiments or the description of the prior art. Obviously, the drawings described below are only some embodiments of the present invention. For those skilled in the art, other drawings can be obtained based on these drawings without creative work. In the drawings:

[0024] Figure 1 Flowchart of a method for controlling risk of suspicious deposit transactions according to an embodiment of the present invention;

[0025] Figure 2 A flowchart of establishing a customer relationship graph in an embodiment of the present invention;

[0026] Figure 3 A flowchart of determining the relevance between customers in an embodiment of the present invention;

[0027] Figure 4 This is a flow chart of modifying the identity authentication threshold of a customer during a deposit transaction in an embodiment of the present invention;

[0028] Figure 5 A flowchart for determining the corresponding relationship between identity authentication thresholds and risk indicators in an embodiment of the present invention;

[0029] Figure 6 This is a flow chart for determining a customer's risk indicator in an embodiment of the present invention;

[0030] Figure 7 Schematic diagram of a risk control device for suspicious deposit transactions according to an embodiment of the present invention Figure 1 ;

[0031] Figure 8 Schematic diagram of a risk control device for suspicious deposit transactions according to an embodiment of the present invention Figure 2 . DETAILED DESCRIPTION

[0032] To make the purpose, technical solutions and advantages of the embodiments of the present invention more clear, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. Here, the exemplary embodiments of the present invention and their descriptions are used to explain the present invention, but are not intended to limit the present invention.

[0033] In the description of this specification, the terms "include", "including", "have", "contain", etc. are all open terms, which mean including but not limited to. The descriptions with reference to the terms "one embodiment", "a specific embodiment", "some embodiments", "for example", etc. mean that the specific features, structures or characteristics described in conjunction with the embodiment or example are included in at least one embodiment or example of the present application. In this specification, the schematic expressions of the above terms do not necessarily refer to the same embodiment or example. Moreover, the specific features, structures or characteristics described can be combined in a suitable manner in any one or more embodiments or examples. The order of steps involved in each embodiment is used to schematically illustrate the implementation of the present application, and the order of steps therein is not limited and can be appropriately adjusted as needed.

[0034] The acquisition, storage, use, and processing of data in the technical solution of the present invention are in compliance with the relevant provisions of national laws and regulations.

[0035] Figure 1 The process of the risk control method for suspicious deposit transactions in an embodiment of the present invention includes:

[0036] Step 101: Create a customer relationship graph based on payment transaction and transfer transaction data;

[0037] Step 102: When a customer deposits money into a bank, the cash serial number corresponding to the deposited cash is obtained;

[0038] Step 103: Obtain the time when the cash serial number corresponding to the deposited cash was entered into the bank system from the cash data stored in the bank database;

[0039] Step 104: Select from the historical withdrawal transactions stored in the bank database multiple withdrawal transactions in which the cash serial number corresponding to the deposit cash is the same as the cash serial number corresponding to the deposit cash and the transaction time is greater than the time entered into the bank system;

[0040] Step 105, determining multiple customers corresponding to the selected multiple withdrawal transactions;

[0041] Step 106: Determine the relevance between the selected multiple customers and the customer based on the customer relationship graph;

[0042] Step 107: Based on the relevance between the selected multiple customers and the customer, modify the identity authentication threshold of the customer during the deposit transaction.

[0043] Figure 2 This is a flow chart of establishing a customer relationship graph according to an embodiment of the present invention. In one embodiment, establishing a customer relationship graph based on payment transaction and transfer transaction data includes:

[0044] Step 201, obtaining relevant customers of payment transaction and transfer transaction data;

[0045] Step 202, determining the relevance between the related customers;

[0046] Step 203: construct a customer relationship graph, where each node of the customer relationship graph corresponds to a customer. There is an edge between two nodes if and only if the two customers are related customers, and the correlation corresponding to each edge is the correlation between the two customers.

[0047] Note: Correlation is a real value greater than or equal to 0 and less than or equal to 1.

[0048] Figure 3 This is a flow chart of determining the relevance between customers in an embodiment of the present invention. In one embodiment, determining the relevance between a plurality of selected customers and the customer based on a customer relationship graph includes:

[0049] Step 301: Set the correlation distance corresponding to each edge of the customer relationship graph to - lg(r), where r is the relevance of the edge;

[0050] Step 302: for each selected customer, determine the shortest distance between the selected customer and the customer in the customer relationship graph;

[0051] Step 303, determining the minimum value of multiple shortest distances as s;

[0052] Step 304: Determine whether the correlation between the selected multiple customers and the customer is 10 -s .

[0053] Figure 4 This is a flow chart of modifying a customer's identity authentication threshold during a deposit transaction according to an embodiment of the present invention. In one embodiment, modifying the customer's identity authentication threshold during a deposit transaction based on the relevance between the selected multiple customers and the customer includes:

[0054] Step 401, determining the matching degree between the selected multiple customers and the customer's facial image, and setting the maximum value of the matching degree as a first threshold;

[0055] Step 402: Determine the corresponding relationship between the identity authentication threshold and the risk indicator based on the relevance between the selected multiple customers and the customer;

[0056] Step 403: Determine the risk index of the customer;

[0057] Step 404: Determine a second threshold based on the customer's risk indicator and the corresponding relationship between the identity authentication threshold and the risk indicator;

[0058] Step 405: Modify the identity authentication threshold of the customer during the deposit transaction based on the first threshold and the second threshold.

[0059] Note: Identity authentication includes biometric recognition, such as facial features and fingerprint features.

[0060] Figure 5 This is a flow chart for determining the correspondence between identity authentication thresholds and risk indicators in an embodiment of the present invention. In one embodiment, the correspondence between identity authentication thresholds and risk indicators is determined based on the relevance between multiple selected customers and the customer, including:

[0061] Step 501: Acquire historical transaction data, which includes transfer transaction data and payment transaction data;

[0062] Step 502: For each piece of historical transaction data, obtain the client and counterparty corresponding to the historical transaction data;

[0063] Step 503: Determine the correlation between the corresponding customer and the transaction counterparty based on the customer relationship graph, and determine the correlation as the correlation corresponding to the historical transaction data;

[0064] Step 504: Selecting, from the historical transaction data, a plurality of historical transaction data having a corresponding correlation equal to the correlation between the selected plurality of customers and the customer;

[0065] Step 505 : For each identity authentication threshold, determine a risk indicator corresponding to the identity authentication threshold based on the plurality of historical transaction data.

[0066] Figure 6 This is a flow chart of determining a risk indicator for a customer in an embodiment of the present invention. In one embodiment, determining the risk indicator for the customer includes:

[0067] Step 601: Determine a distance function corresponding to a customer. The distance function is used to determine the distance between any two customers.

[0068] Step 602: multiple customers whose distance from the customer is less than a set threshold are determined as the customer's associated customers;

[0069] Step 603: Determine the risk index of the customer based on the transaction data of the customer and the corresponding associated customers.

[0070] In one embodiment, the method further comprises:

[0071] The cash serial number corresponding to the deposited cash, the multiple customers corresponding to the selected withdrawal transactions, and the identity authentication data of the customer during the deposit transaction are stored in the blockchain.

[0072] The blockchain is tamper-proof. Storing the above data in the blockchain ensures data security and facilitates query.

[0073] In summary, in the method proposed in the embodiment of the present invention, a customer relationship graph is established based on payment transaction and transfer transaction data; when a customer makes a deposit in a bank, the cash serial number corresponding to the deposit cash is obtained; the time when the cash serial number corresponding to the deposit cash is entered into the bank system is obtained from the cash data stored in the bank database; from the historical withdrawal transactions stored in the bank database, multiple withdrawal transactions are selected in which the cash serial number corresponding to the deposit cash is consistent with the cash serial number corresponding to the deposit cash and the transaction time is greater than the time when the cash serial number is entered into the bank system; multiple customers corresponding to the selected multiple withdrawal transactions are determined; based on the customer relationship graph, the correlation between the selected multiple customers and the customer is determined; based on the correlation between the selected multiple customers and the customer, the identity authentication threshold of the customer during the deposit transaction is corrected. Through the above steps, the current identity authentication threshold of the customer during the deposit transaction can be obtained in real time when making a deposit, thereby better controlling the risks of deposit transactions.

[0074] The embodiment of the present invention further provides a risk control device for suspicious deposit transactions, the principle of which is similar to the risk control method for suspicious deposit transactions and will not be described in detail here.

[0075] Figure 7 Schematic diagram of a risk control device for suspicious deposit transactions according to an embodiment of the present invention Figure 1 ,include:

[0076] A customer relationship graph building module 701 is used to build a customer relationship graph based on payment transaction and transfer transaction data;

[0077] The cash serial number acquisition module 702 is used to obtain the cash serial number corresponding to the deposited cash when the customer deposits money at the bank;

[0078] The cash time entry module 703 is used to obtain the time when the cash serial number corresponding to the deposited cash is entered into the bank system from the cash data stored in the bank database;

[0079] The related withdrawal transaction selection module 704 is configured to select, from the historical withdrawal transactions stored in the bank database, multiple withdrawal transactions in which the cash prefix corresponding to the deposit cash is consistent with the cash prefix corresponding to the deposit cash and the transaction time is greater than the time entered into the bank system;

[0080] Related customer determination module 705, used to determine multiple customers corresponding to the selected multiple withdrawal transactions;

[0081] A customer relevance determination module 706 is configured to determine the relevance between the selected customers and the customer based on the customer relationship graph;

[0082] The identity authentication threshold modification module 707 is used to modify the identity authentication threshold of the customer during the deposit transaction based on the relevance between the selected multiple customers and the customer.

[0083] In one embodiment, the customer relationship graph construction module is specifically used to:

[0084] Relevant customers who obtain payment transaction and transfer transaction data;

[0085] determining the degree of relevance between the related customers;

[0086] A customer relationship graph is constructed, where each node of the customer relationship graph corresponds to a customer. There is an edge between two nodes if and only if the two customers are related customers, and the correlation corresponding to each edge is the correlation between the two customers.

[0087] In one embodiment, the customer relevance determination module is specifically configured to:

[0088] Set the correlation distance corresponding to each edge of the customer relationship graph to - lg(r), where r is the relevance of the edge;

[0089] For each selected customer, determine the shortest distance between the selected customer and the customer in the customer relationship graph;

[0090] Determine the minimum value of multiple shortest distances as s;

[0091] Determine that the correlation between the selected multiple customers and this customer is 10 -s .

[0092] In one embodiment, the identity authentication threshold correction module is specifically configured to:

[0093] Determining the matching degree between the selected multiple customers and the customer's facial image, and setting the maximum value of the matching degree as a first threshold;

[0094] Determine the corresponding relationship between identity authentication threshold and risk indicator based on the relevance between the selected multiple customers and the customer;

[0095] Determine the risk indicators for the client;

[0096] Determining a second threshold based on the customer's risk indicator and the corresponding relationship between the identity authentication threshold and the risk indicator;

[0097] The identity authentication threshold of the customer during the deposit transaction is modified according to the first threshold and the second threshold.

[0098] In one embodiment, the identity authentication threshold correction module is specifically configured to:

[0099] Obtain historical transaction data, including transfer transaction data and payment transaction data;

[0100] For each piece of historical transaction data, obtain the client and counterparty corresponding to the historical transaction data;

[0101] Determine the correlation between the corresponding customer and the transaction counterparty based on the customer relationship graph, and determine the correlation as the correlation corresponding to the historical transaction data;

[0102] Selecting, from the historical transaction data, a plurality of historical transaction data having a corresponding correlation equal to a correlation between the selected plurality of customers and the customer;

[0103] For each identity authentication threshold, a risk indicator corresponding to the identity authentication threshold is determined based on the plurality of historical transaction data.

[0104] In one embodiment, the identity authentication threshold correction module is specifically configured to:

[0105] Determine a distance function corresponding to each customer, which is used to determine the distance between any two customers;

[0106] Determine multiple customers whose distance from the customer is less than a set threshold as the customer's associated customers;

[0107] Determine the risk index of the customer based on the transaction data of the customer and the corresponding related customers.

[0108] Figure 8 Schematic diagram of a risk control device for suspicious deposit transactions according to an embodiment of the present invention Figure 2 In one embodiment, the device further includes a blockchain storage module 801, configured to:

[0109] The cash serial number corresponding to the deposited cash, the multiple customers corresponding to the selected withdrawal transactions, and the identity authentication data of the customer during the deposit transaction are stored in the blockchain.

[0110] In summary, in the apparatus proposed in the embodiments of the present invention, a customer relationship graph construction module is used to establish a customer relationship graph based on payment transaction and transfer transaction data; a cash serial number acquisition module is used to obtain the cash serial number corresponding to the deposited cash when a customer makes a bank deposit; a cash time entry module is used to obtain the time when the cash serial number corresponding to the deposited cash was entered into the bank system from cash data stored in the bank database; a related withdrawal transaction selection module is used to select multiple withdrawal transactions from historical withdrawal transactions stored in the bank database in which the cash serial number corresponding to the deposited cash is consistent with the cash serial number corresponding to the deposited cash and the transaction time is greater than the time when the cash serial number was entered into the bank system; a related customer determination module is used to determine the multiple customers corresponding to the selected multiple withdrawal transactions; a customer relevance determination module is used to determine the relevance between the selected multiple customers and the customer based on the customer relationship graph; and an identity authentication threshold correction module is used to correct the customer's identity authentication threshold during the deposit transaction based on the relevance between the selected multiple customers and the customer. Through the above steps, the current identity authentication threshold of the customer during the deposit transaction can be obtained in real time during the deposit, thereby better controlling the risks associated with the deposit transaction.

[0111] An embodiment of the present invention further provides a computer device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor. When the processor executes the computer program, the above-mentioned risk control method for suspicious deposit transactions is implemented.

[0112] An embodiment of the present invention further provides a computer-readable storage medium storing a computer program. When the computer program is executed by a processor, the method for controlling risk of suspicious deposit transactions is implemented.

[0113] An embodiment of the present invention further provides a computer program product, which includes a computer program. When the computer program is executed by a processor, it implements the risk control method for suspicious deposit transactions.

[0114] Those skilled in the art will appreciate that embodiments of the present invention may be provided as methods, systems, or computer program service systems. Thus, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware. Furthermore, the present invention may take the form of a computer program service system implemented on one or more computer-usable storage media (including but not limited to magnetic disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0115] The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (systems), and computer program business systems according to embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as combinations of processes and / or blocks in the flowchart and / or block diagram, 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, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 a process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0116] These computer program instructions may also be stored in a computer readable memory that can direct a computer or other programmable data processing device to work in a specific manner, so that the instructions stored in the computer readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 a process or multiple processes and / or boxes Figure 1 The function specified in one or more boxes.

[0117] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operational steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing the instructions executed on the computer or other programmable device for implementing the process. Figure 1 a process or multiple processes and / or boxes Figure 1 A step that specifies a function in one or more boxes.

[0118] The specific embodiments described above further illustrate the objectives, technical solutions and beneficial effects of the present invention in detail. It should be understood that the above description is only a specific embodiment of the present invention and is not intended to limit the scope of protection of the present invention. Any modifications, equivalent substitutions, improvements, etc. made within the spirit and principles of the present invention should be included in the scope of protection of the present invention.

Claims

1. A risk control method for suspicious deposit transactions, characterized in that: include: Build a customer relationship map based on payment and transfer transaction data; When a customer deposits money at a bank, obtain the cash serial number corresponding to the deposited cash; From the cash data stored in the bank database, obtain the time when the cash serial number corresponding to the deposited cash was entered into the bank system; From the historical withdrawal transactions stored in the bank database, multiple withdrawal transactions are selected in which the cash serial number corresponding to the deposited cash is consistent with the cash serial number corresponding to the deposited cash and the transaction time is greater than the time entered into the bank system; Determine multiple customers corresponding to the selected multiple withdrawal transactions; Based on the customer relationship graph, determine the relevance between the selected multiple customers and the customer; Determine the degree of matching between the selected multiple customers and the customer's facial image, and set the maximum value of the matching degree as a first threshold; determine the correspondence between the identity authentication threshold and the risk index based on the correlation between the selected multiple customers and the customer; the correspondence is the correspondence between each identity authentication threshold and the risk index; determine the risk index of the customer; determine a second threshold based on the correspondence between the customer's risk index and the identity authentication threshold and the risk index; and modify the identity authentication threshold of the customer during the deposit transaction based on the first threshold and the second threshold.

2. The method according to claim 1, wherein Build a customer relationship map based on payment and transfer transaction data, including: Relevant customers who obtain payment transaction and transfer transaction data; determining the degree of relevance between the related customers; A customer relationship graph is constructed, where each node of the customer relationship graph corresponds to a customer. There is an edge between two nodes if and only if the two customers are related customers, and the correlation corresponding to each edge is the correlation between the two customers.

3. The method according to claim 1, wherein Based on the customer relationship graph, determine the relevance between the selected multiple customers and the customer, including: Set the relevance distance corresponding to each edge of the customer relationship graph to -lg(r), where r is the relevance of the edge; For each selected customer, determine the shortest distance between the selected customer and the customer in the customer relationship graph; Determine the minimum value of multiple shortest distances as s; Determine that the correlation between the selected multiple customers and this customer is 10 -s .

4. The method according to claim 1, wherein Based on the relevance between the selected multiple customers and the customer, determine the corresponding relationship between the identity authentication threshold and the risk indicator, including: Obtain historical transaction data, including transfer transaction data and payment transaction data; For each piece of historical transaction data, obtain the client and counterparty corresponding to the historical transaction data; Determine the correlation between the corresponding customer and the transaction counterparty based on the customer relationship graph, and determine the correlation as the correlation corresponding to the historical transaction data; Selecting, from the historical transaction data, a plurality of historical transaction data having a corresponding correlation equal to a correlation between the selected plurality of customers and the customer; For each identity authentication threshold, a risk indicator corresponding to the identity authentication threshold is determined based on the plurality of historical transaction data.

5. The method according to claim 1, wherein Determine the risk indicators for the client, including: Determine a distance function corresponding to each customer, which is used to determine the distance between any two customers; Determine multiple customers whose distance from the customer is less than a set threshold as the customer's associated customers; Determine the risk index of the customer based on the transaction data of the customer and the corresponding related customers.

6. The method according to claim 1, wherein Also includes: The cash serial number corresponding to the deposited cash, the multiple customers corresponding to the selected withdrawal transactions, and the identity authentication data of the customer during the deposit transaction are stored in the blockchain.

7. A risk control device for suspicious deposit transactions, characterized in that: include: A customer relationship graph building module is used to build a customer relationship graph based on payment transaction and transfer transaction data; The cash serial number acquisition module is used to obtain the cash serial number corresponding to the deposited cash when the customer deposits money at the bank; The cash time entry module is used to obtain the time when the cash serial number corresponding to the deposit cash is entered into the bank system from the cash data stored in the bank database; The relevant withdrawal transaction selection module is used to select multiple withdrawal transactions in which the cash serial number corresponding to the deposit cash is consistent with the cash serial number corresponding to the deposit cash and the transaction time is greater than the time entered into the bank system from the historical withdrawal transactions stored in the bank database; A related customer determination module is used to determine multiple customers corresponding to the selected multiple withdrawal transactions; A customer relevance determination module is used to determine the relevance between the selected multiple customers and the customer based on the customer relationship graph; The identity authentication threshold correction module is used to determine the matching degree between multiple selected customers and the customer's facial image, and set the maximum value of the matching degree as a first threshold; determine the corresponding relationship between the identity authentication threshold and the risk index based on the correlation between the multiple selected customers and the customer; the corresponding relationship is the corresponding relationship between each identity authentication threshold and the risk index; determine the risk index of the customer; determine the second threshold based on the corresponding relationship between the customer's risk index and the identity authentication threshold and the risk index; and correct the identity authentication threshold of the customer during the deposit transaction based on the first threshold and the second threshold.

8. The device according to claim 7, wherein Also includes blockchain storage modules for: The cash serial number corresponding to the deposited cash, the multiple customers corresponding to the selected withdrawal transactions, and the identity authentication data of the customer during the deposit transaction are stored in the blockchain.

9. A computer device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein: When the processor executes the computer program, the method according to any one of claims 1 to 6 is implemented.

10. A computer-readable storage medium, characterized in that The computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the method according to any one of claims 1 to 6 is implemented.

11. A computer program product, characterized in that The computer program product comprises a computer program, and when the computer program is executed by a processor, the method according to any one of claims 1 to 6 is implemented.

Images