Method and system for logging into bank self-service terminal based on mobile terminal

Abstract

The present invention discloses a method and system for logging into a bank self-service terminal based on a mobile terminal, which relates to the field of artificial intelligence. The method comprises: a mobile terminal receives the identity information of a user and uploads it to a bank server; after verification, the server uploads the identity authentication success information, the identity fingerprint corresponding to the user, and the validity period corresponding to the identity fingerprint to a database, and sends the identity fingerprint corresponding to the user to the mobile terminal in the form of a QR code; when a user of the bank self-service terminal handles a business, the QR code received by the user through the mobile terminal is obtained to obtain the identity fingerprint corresponding to the user and sends it to the server; the server searches for the corresponding identity fingerprint in the database, and if the fingerprint exists in the database, determines whether the current time is within the validity period, and if so, sends the corresponding transaction set of the self-service terminal to the self-service terminal to provide a transaction interface in the set. The present invention can help users log in to the self-service terminal conveniently and safely to handle business.

Description

Technical Field

[0001] The present invention relates to the field of artificial intelligence technology, and in particular to a method and system for logging into a bank self-service terminal based on a mobile terminal. Background Art

[0002] This section is intended to provide a background or context to the embodiments of the invention recited in the claims. No admission is made that the description herein is prior art by inclusion in this section.

[0003] Currently, when customers conduct business at bank self-service terminals, they need to bring their ID cards or bank cards, and may also need to enter a password. For customers, this method is very inconvenient, the customer experience is poor, and there are security risks. Summary of the invention

[0004] The embodiment of the present invention provides a method for logging into a bank self-service terminal based on a mobile terminal, so as to help a user log into the bank self-service terminal conveniently and safely to handle business. The method includes:

[0005] The mobile terminal receives the identity information input by the user and uploads the identity information to the bank server;

[0006] After the identity information is verified, the bank server uploads the identity authentication success information, the identity fingerprint corresponding to the user, and the validity period corresponding to the identity fingerprint to the database, and sends the identity fingerprint corresponding to the user to the mobile terminal in the form of a QR code;

[0007] When receiving the service request from the user, the bank self-service terminal obtains the QR code received by the user through the mobile terminal, obtains the identity fingerprint corresponding to the user according to the QR code, and sends the identity fingerprint corresponding to the user to the bank server;

[0008] The bank server searches the database according to the received identity fingerprint corresponding to the user, and when the identity fingerprint corresponding to the user exists in the database, determines whether the current time is within the validity period corresponding to the identity fingerprint stored in the database, and if so, sends the sent transaction set corresponding to the bank self-service terminal to the bank self-service terminal;

[0009] The bank self-service terminal provides the user with a transaction interface in the issued transaction set to complete the user's business processing request.

[0010] The embodiment of the present invention also provides a system for logging into a bank self-service terminal based on a mobile terminal, which is used to help users log into the bank self-service terminal conveniently and safely to handle business. The system includes:

[0011] The mobile terminal is used to receive the identity information input by the user and upload the identity information to the bank server;

[0012] The bank server is used to upload the identity authentication success information, the identity fingerprint corresponding to the user, and the validity period corresponding to the identity fingerprint to the database after the identity information is verified, and send the identity fingerprint corresponding to the user to the mobile terminal in the form of a QR code; search in the database according to the received identity fingerprint corresponding to the user, and when the identity fingerprint corresponding to the user exists in the database, determine whether the current time is within the validity period corresponding to the identity fingerprint stored in the database, and if so, send the corresponding transaction set sent by the bank self-service terminal to the bank self-service terminal;

[0013] The bank self-service terminal is used to obtain the QR code received by the user through the mobile terminal when receiving the user's business processing request, obtain the identity fingerprint corresponding to the user according to the QR code, and send the identity fingerprint corresponding to the user to the bank server; provide the user with a transaction interface in the issued transaction set to complete the user's business processing request.

[0014] An embodiment of the present invention also provides a computer device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the above-mentioned method of logging into a bank self-service terminal based on a mobile terminal when executing the computer program.

[0015] An embodiment of the present invention further provides a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the method for logging into a bank self-service terminal based on a mobile terminal is implemented.

[0016] 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, the method for logging into a bank self-service terminal based on a mobile terminal is implemented.

[0017] In an embodiment of the present invention, a scheme for logging into a bank self-service terminal based on a mobile terminal is as follows: the mobile terminal receives identity information input by a user and uploads the identity information to a bank server; after verification according to the identity information, the bank server uploads identity authentication success information, the identity fingerprint corresponding to the user, and the validity period corresponding to the identity fingerprint to a database, and sends the identity fingerprint corresponding to the user to the mobile terminal in the form of a two-dimensional code; when the bank self-service terminal receives a business processing request from the user, it obtains the two-dimensional code received by the user through the mobile terminal, obtains the identity fingerprint corresponding to the user according to the two-dimensional code, and sends the identity fingerprint corresponding to the user to the bank server; the bank server searches in a database according to the received identity fingerprint corresponding to the user, and when the identity fingerprint corresponding to the user exists in the database, determines whether the current time is within the validity period corresponding to the identity fingerprint stored in the database, and if so, sends the corresponding issued transaction set of the bank self-service terminal to the bank self-service terminal; the bank self-service terminal provides the user with a transaction interface in the issued transaction set to complete the business processing request of the user, so as to support the user to use the mobile terminal to log in to the bank self-service terminal to process business, which not only facilitates the user and improves the user experience, but also controls the occurrence of risks. BRIEF DESCRIPTION OF THE DRAWINGS

[0018] 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 use in the embodiments or the prior art descriptions. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work. In the drawings:

[0019] Figure 1 A schematic diagram of a flow chart of a method for logging into a bank self-service terminal based on a mobile terminal in an embodiment of the present invention;

[0020] Figure 2 This is a flow chart of a bank server predetermining a transaction set corresponding to each bank self-service terminal in an embodiment of the present invention;

[0021] Figure 3 A schematic diagram of a process for determining the risk probability of each dimension corresponding to each transaction of the mobile terminal in an embodiment of the present invention;

[0022] Figure 4 A schematic diagram of a process for determining the risk probability of each dimension corresponding to each transaction of the bank self-service terminal in an embodiment of the present invention;

[0023] Figure 5It is a structural diagram of a system for logging into a bank self-service terminal based on a mobile terminal in an embodiment of the present invention. DETAILED DESCRIPTION

[0024] To make the purpose, technical solution and advantages of the embodiments of the present invention more clear, the embodiments of the present invention are further described in detail below in conjunction with 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.

[0025] Figure 1 FIG. 1 is a flow chart of a method for logging into a bank self-service terminal based on a mobile terminal in an embodiment of the present invention. Figure 1 As shown, the method comprises the following steps:

[0026] Step 101: The mobile terminal receives the identity information input by the user and uploads the identity information to the bank server;

[0027] Step 102: After the identity information is verified, the bank server uploads the identity authentication success information, the identity fingerprint corresponding to the user, and the validity period corresponding to the identity fingerprint to the database, and sends the identity fingerprint corresponding to the user to the mobile terminal in the form of a QR code;

[0028] Step 103: When receiving the service processing request from the user, the bank self-service terminal obtains the QR code received by the user through the mobile terminal, obtains the identity fingerprint corresponding to the user according to the QR code, and sends the identity fingerprint corresponding to the user to the bank server;

[0029] Step 104: the bank server searches the database according to the received identity fingerprint corresponding to the user, and when the identity fingerprint corresponding to the user exists in the database, determines whether the current time is within the validity period corresponding to the identity fingerprint stored in the database, and if so, sends the sent transaction set corresponding to the bank self-service terminal to the bank self-service terminal;

[0030] Step 105: The bank self-service terminal provides the user with a transaction interface in the issued transaction set to complete the user's business processing request.

[0031] The method for logging into a bank self-service terminal based on a mobile terminal provided by an embodiment of the present invention, when working: the mobile terminal receives identity information input by a user, and uploads the identity information to a bank server; after verification according to the identity information, the bank server uploads identity authentication success information, the identity fingerprint corresponding to the user, and the validity period corresponding to the identity fingerprint to a database, and sends the identity fingerprint corresponding to the user to the mobile terminal in the form of a two-dimensional code; when the bank self-service terminal receives a business processing request from the user, it obtains the two-dimensional code received by the user through the mobile terminal, obtains the identity fingerprint corresponding to the user according to the two-dimensional code, and sends the identity fingerprint corresponding to the user to the bank server; the bank server searches in the database according to the received identity fingerprint corresponding to the user, and when the identity fingerprint corresponding to the user exists in the database, determines whether the current time is within the validity period corresponding to the identity fingerprint stored in the database, and if so, sends the corresponding transaction set sent by the bank self-service terminal to the bank self-service terminal; the bank self-service terminal provides the user with a transaction interface in the sent transaction set to complete the business processing request of the user, and can realize supporting users to use mobile terminals to log in to the bank self-service terminal to process business, which not only facilitates users and improves user experience, but also controls the occurrence of risks. The following is a detailed description of the method for logging into a bank self-service terminal based on a mobile terminal.

[0032] The mobile terminal mentioned in the embodiment of the present invention may be a user's mobile phone, iPad, tablet computer, etc. The method applied to the mobile terminal may be a mobile banking APP installed in the mobile terminal.

[0033] In one embodiment, Figure 2 As shown, the method for logging into a bank self-service terminal based on a mobile terminal may also include the bank server predetermining a transaction set corresponding to each bank self-service terminal according to the following method:

[0034] Step 201: Acquire historical transaction data corresponding to a mobile terminal, and determine the risk probability of each dimension corresponding to each transaction of the mobile terminal;

[0035] Step 202: Acquire historical transaction data of a bank self-service terminal, and determine the risk probability of each transaction of the bank self-service terminal corresponding to each dimension;

[0036] Step 203: determining a partial order of transactions of the mobile terminal according to the risk probabilities of the various dimensions corresponding to the transactions of the mobile terminal; wherein the partial order is used to determine whether the first transaction of any two transactions of the mobile terminal is greater than the second transaction;

[0037] Step 204: selecting a plurality of maximum mobile terminal transactions from the transactions of the mobile terminal according to the partial order of the mobile terminal transactions;

[0038] Step 205: Determine the transaction set corresponding to the bank self-service terminal based on multiple extremely large mobile terminal transactions and the risk probabilities of various dimensions corresponding to various transactions of the bank self-service terminal.

[0039] In specific implementation, the dimensions are mainly used to classify transaction data, such as customer category, transaction time, etc. The above implementation method of predetermining the corresponding transaction set for each bank self-service terminal can ensure the security of customer transactions on the bank self-service terminal. Mobile terminals and bank self-service terminals correspond to different bank systems, and their risk control is also different. Customers use mobile terminals for identity authentication. Determining the transaction based on mobile terminal transactions can ensure that the risk of customer transactions on bank self-service terminals is controllable.

[0040] In one embodiment, selecting a plurality of maximum mobile terminal transactions from various transactions of the mobile terminal according to the partial order of the mobile terminal transactions may include:

[0041] 1. Initialize the to-be-determined mobile phone transaction set and the to-be-compared mobile phone transaction set to all transactions of the mobile terminal, and initialize the maximum mobile phone transaction set to be empty.

[0042] 2. Loop through the following steps until the set of pending mobile phone transactions is empty:

[0043] 2.1 Take out a mobile terminal transaction a from the set of mobile phone transactions to be determined (taking out mobile terminal transaction a means deleting transaction a from the set of mobile phone transactions to be determined), and compare the bank mobile phone transaction a (first transaction) with each mobile terminal transaction b (second transaction) in the set of mobile phone transactions to be compared except mobile terminal transaction a.

[0044] 2.2 If the mobile terminal transaction b is greater than the mobile terminal transaction a, the mobile terminal transaction a is deleted from the set of mobile phone transactions to be determined; if the mobile terminal transaction a is greater than the mobile terminal transaction b, the mobile terminal transaction b is deleted from the set of mobile phone transactions to be determined, and the mobile terminal transaction b is determined as the secondary mobile terminal transaction of the mobile terminal transaction a.

[0045] 2.3 If it is confirmed that each mobile terminal transaction in the mobile terminal transaction set to be compared except the mobile terminal transaction a is not greater than the mobile terminal transaction a, then the mobile terminal transaction a is added to the maximum mobile terminal transaction set, and all secondary mobile terminal transactions of the mobile terminal transaction a are deleted from the mobile terminal transaction set to be compared.

[0046] 3. The mobile terminal transactions in the maximum mobile phone transaction set are regarded as the maximum mobile terminal transactions.

[0047] In specific implementation, the above-mentioned embodiment of determining the maximum mobile terminal transactions (compared to comparing one by one) has less computational redundancy, that is, low computational complexity, especially when the number of transactions of the mobile terminal is very large.

[0048] In one embodiment, Figure 3 As shown, obtaining historical transaction data corresponding to a mobile terminal and determining the risk probability of each dimension corresponding to each transaction of the mobile terminal may include:

[0049] Step 301: for each transaction of the mobile terminal, filter out the historical transaction data of each dimension corresponding to the transaction from the historical transaction data corresponding to the mobile terminal;

[0050] Step 302: for each dimension, dividing the historical transaction data corresponding to the dimension of the transaction into multiple historical transaction data subsets;

[0051] Step 303: taking the proportion of risky transaction data in each historical transaction data subset as the risk probability of the transaction corresponding to the historical transaction data subset of the dimension;

[0052] Step 304: Determine the mean value of the risk probabilities of all historical transaction data subsets as the risk probability of the transaction corresponding to the dimension, and finally obtain the risk probability of each transaction of the mobile terminal corresponding to each dimension.

[0053] During specific implementation, historical transaction data corresponding to the mobile terminal is obtained, and the implementation method of determining the risk probability of each dimension corresponding to each transaction of the mobile terminal can accurately evaluate the risk information of each transaction of the mobile terminal, and provide an accurate risk data basis for the subsequent determination and issuance of the transaction set.

[0054] In one embodiment, determining the partial order of the mobile terminal transactions according to the risk probabilities of the various dimensions corresponding to the various transactions of the mobile terminal may include:

[0055] After obtaining the risk probability samples of each dimension corresponding to each transaction of the mobile terminal, based on the risk probability samples of each dimension corresponding to each transaction of the mobile terminal, determining the variance and the corresponding number of samples corresponding to the risk probability of the transaction corresponding to the dimension;

[0056] The quotient of the square of the variance corresponding to the risk probability of the transaction corresponding to the dimension and the corresponding number of samples is taken as the convergence upper bound corresponding to the risk probability of the transaction corresponding to the dimension;

[0057] For any two transactions of mobile terminal transactions, if for each dimension, the risk probability of the first transaction of the two transactions corresponding to the dimension is greater than or equal to the risk probability of the second transaction of the two transactions corresponding to the dimension, and the convergence upper bounds corresponding to the risk probabilities of the first transaction corresponding to each dimension are less than or equal to the convergence threshold, then it is determined that the first transaction is greater than the second transaction.

[0058] In one embodiment, the method for logging into a bank self-service terminal based on a mobile terminal may further include determining a convergence threshold according to the following method:

[0059] Set the maximum value of the allowed risk probability error ε and the probability P that the allowed risk probability error is greater than ε;

[0060] The convergence threshold is determined as: P×ε 2 .

[0061] In specific implementation, the partial order of mobile terminal transactions is determined based on the risk probabilities of various dimensions corresponding to various transactions of the mobile terminal. This can accurately evaluate the relationship between various transactions of the mobile terminal and provide a mathematical basis for determining the risk control capability of the banking system corresponding to the mobile terminal.

[0062] In one embodiment, Figure 4 As shown, obtaining historical transaction data of a bank self-service terminal and determining the risk probability of each transaction of the bank self-service terminal corresponding to each dimension may include:

[0063] Step 401: for each transaction of the bank self-service terminal, filter out the historical transaction data of each dimension corresponding to the transaction from the historical transaction data of the bank self-service terminal;

[0064] Step 402: for each dimension, dividing the historical transaction data corresponding to the dimension of the transaction into a plurality of historical transaction data subsets;

[0065] Step 403: taking the proportion of risky transaction data in each historical transaction data subset as a risk probability sample corresponding to the historical transaction data subset of the dimension corresponding to the transaction;

[0066] Step 404: determine the mean value of the risk probabilities of all historical transaction data subsets as the risk probability of the transaction corresponding to the dimension, and finally obtain the risk probability of each transaction of the bank self-service terminal corresponding to each dimension.

[0067] In specific implementation, the partial order of mobile terminal transactions is determined according to the risk probabilities of each dimension corresponding to each transaction of the mobile terminal, which can accurately evaluate the risk information of each transaction of the bank self-service terminal and provide an accurate risk data basis for the subsequent determination and issuance of transaction sets.

[0068] In one embodiment, based on multiple extremely large mobile terminal transactions and the risk probabilities of various dimensions corresponding to various transactions of the bank self-service terminal, determining the transaction set corresponding to the bank self-service terminal may include:

[0069] After obtaining the risk probability samples of each dimension corresponding to each transaction of the bank self-service terminal, based on the risk probability samples of each dimension corresponding to each transaction of the bank self-service terminal, determining the variance and the corresponding sample quantity corresponding to the risk probability of the transaction corresponding to the dimension;

[0070] The quotient of the square of the variance corresponding to the risk probability of the transaction corresponding to the dimension and the corresponding number of samples is taken as the convergence upper bound corresponding to the risk probability of the transaction corresponding to the dimension;

[0071] Selecting multiple transactions whose convergence upper bounds corresponding to the risk probabilities of the corresponding dimensions are less than or equal to the convergence threshold from the transactions of the bank's self-service terminals;

[0072] For each selected transaction, determine whether there is a third transaction of the mobile terminal that satisfies the following first condition in the maximum number of mobile terminal transactions: for each dimension, the risk probability of the selected transaction corresponding to the dimension is less than or equal to the risk probability of the third transaction of the mobile terminal corresponding to the dimension;

[0073] If there is a mobile terminal transaction in the maximum number of mobile terminal transactions that meets the first condition, the selected transaction will be added to the sent transaction set corresponding to the bank self-service terminal.

[0074] In the specific implementation, based on multiple extremely large mobile terminal transactions and the risk probabilities of various dimensions corresponding to each transaction of the bank self-service terminal, the implementation method of the transaction set corresponding to the bank self-service terminal is determined, so that transactions of the bank self-service terminal with controllable risks can be accurately found when the mobile terminal authenticates the customer's identity.

[0075] In one embodiment, determining the partial order of the mobile terminal transactions according to the risk probabilities of the various dimensions corresponding to the various transactions of the mobile terminal may include:

[0076] For any two transactions of the mobile terminal, if for each dimension, the risk probability of the first transaction of the two transactions corresponding to the dimension is greater than or equal to the risk probability of the second transaction of the two transactions corresponding to the dimension, then it is determined that the first transaction is greater than the second transaction.

[0077] In specific implementation, the above-mentioned implementation method of determining the partial order of mobile terminal transactions based on the risk probability of each dimension corresponding to each transaction of the mobile terminal can accurately evaluate the relationship between each transaction of the mobile terminal and provide a mathematical basis for determining the risk control capability of the banking system corresponding to the mobile terminal.

[0078] In one embodiment, based on multiple extremely large mobile terminal transactions and the risk probabilities of various dimensions corresponding to various transactions of the bank self-service terminal, determining the transaction set corresponding to the bank self-service terminal may include:

[0079] For each transaction of the bank self-service terminal, determine whether there is a fourth transaction of the mobile terminal that meets the following second condition in the maximum number of mobile terminal transactions: for each dimension, the risk probability of the transaction of the bank self-service terminal corresponding to the dimension is less than or equal to the risk probability of the fourth transaction of the mobile terminal corresponding to the dimension;

[0080] If there is a mobile terminal transaction that meets the second condition in the maximum number of mobile terminal transactions, the transaction of the bank self-service terminal is added to the sent transaction set corresponding to the bank self-service terminal.

[0081] In specific implementation, the above-mentioned implementation method of determining the issued transaction set corresponding to the bank self-service terminal can accurately find out the transactions of the bank self-service terminal with controllable risks when the mobile terminal authenticates the customer identity.

[0082] In one embodiment, the method for logging into a bank self-service terminal based on a mobile terminal may further include determining the identity fingerprint corresponding to each customer according to the following method:

[0083] Obtaining historical transaction data of the customer, and using the transaction type contained in the historical transaction data as the transaction type of the customer;

[0084] For each transaction type of the customer, the transaction data of the transaction type, determine the risk probability of the transaction type;

[0085] According to the risk probability of each transaction type of the customer, the priority probability of each transaction type of the customer is determined; specifically, the priority probability is determined according to the following formula:

[0086] Among them, p i The priority probability of the i-th transaction type of the customer, s j The risk probability of the jth transaction type of the customer, f is a monotonically decreasing function with a range greater than 0;

[0087] Determine a probability density function g;

[0088] The domain of the function g is divided into multiple incomparable subintervals, each of which corresponds to the transaction type of the customer. The integral value of the function g in each subinterval is equal to the priority probability of the transaction type of the customer corresponding to the subinterval.

[0089] Generate a random number according to the function g, and determine the subinterval in which the random number is located;

[0090] According to the transaction type of the customer corresponding to the subinterval where the random number is located, a transaction data is selected from the historical transaction data of the customer, and the hash value of the transaction data is used as the identity fingerprint corresponding to the customer;

[0091] The validity period corresponding to the identity fingerprint is determined based on the risk probability of the transaction type of the customer corresponding to the subinterval in which the random number is located, wherein the greater the risk probability, the shorter the corresponding validity period.

[0092] In order to facilitate understanding of how to implement the present invention, an example is given below for detailed description.

[0093] The customer logs in to the bank account on the mobile terminal, and then the bank generates a login credential for the customer, and then the customer can log in to the bank self-service terminal based on the login credential. However, there is a problem. The risk control on the mobile terminal and the self-service terminal is different, resulting in different risk probabilities of transactions in the two bank systems. If the customer can make transactions on the bank self-service terminal based on the login credential according to the risk, it is a key point of the present invention. The method for logging in to a bank self-service terminal based on a mobile terminal provided in an embodiment of the present invention includes the following steps.

[0094] 1. The customer enters his / her identity information on the mobile terminal and uploads it to the bank server for verification.

[0095] 2. After the verification is passed, the bank server uploads the customer's identity authentication success information and the corresponding identity fingerprint, as well as the validity period to the database, and sends the identity fingerprint to the customer's mobile terminal.

[0096] 3. The customer enters the identity fingerprint on the bank's self-service terminal, and the bank server searches the database to determine whether the identity fingerprint exists. If so, it determines whether the current time is within the corresponding valid time range stored in the database. If it is within the time range, the transaction interface of the self-service terminal is displayed to the customer.

[0097] 4. The bank server determines the risk probability of each transaction of the mobile terminal based on the historical risk data, and stores the maximum risk probability in the database. The bank server determines the risk probability of each transaction of the self-service terminal based on the historical risk data of the self-service terminal.

[0098] 5. From all transactions of the self-service terminal, multiple transactions are selected to form a transaction set to be sent, and the transaction set to be sent is sent to the self-service terminal.

[0099] 5.1 When the transaction belongs to both the self-service terminal and the mobile terminal, and the risk probability of the transaction at the self-service terminal is less than or equal to the risk probability of the transaction at the mobile terminal, the transaction is added to the set of issued transactions.

[0100] 5.2 When the transaction belongs to a self-service terminal and not a mobile terminal, and the risk probability of the transaction at the self-service terminal is less than or equal to the maximum risk probability, the transaction is added to the sent transaction set.

[0101] 5.3 The bank server determines whether the current location of the customer's mobile phone can be obtained. If it can be obtained and the current location is consistent with the location of the self-service terminal, all transactions belonging to both the self-service terminal and the mobile terminal are added to the sent transaction set.

[0102] 6. On the self-service terminal, customers can directly handle transactions in the issued transaction set. If customers need to handle other transactions outside the issued transaction set, further identity verification is required.

[0103] In summary, the method for logging into a bank self-service terminal based on a mobile terminal provided in the embodiment of the present invention can support customers to use their mobile phones to log in to the self-service terminal to handle business, which not only facilitates customers and improves their experience, but also controls the occurrence of risks.

[0104] The acquisition, storage, use, and processing of data in the technical solution of this application comply with the relevant provisions of national laws and regulations.

[0105] The embodiment of the present invention also provides a system for logging into a bank self-service terminal based on a mobile terminal, as described in the following embodiment. Since the principle of solving the problem by the system is similar to the method for logging into a bank self-service terminal based on a mobile terminal, the implementation of the system can refer to the implementation of the method for logging into a bank self-service terminal based on a mobile terminal, and the repeated parts will not be repeated.

[0106] Figure 5 FIG. 1 is a schematic diagram of a system for logging into a bank self-service terminal based on a mobile terminal in an embodiment of the present invention. Figure 5 As shown, the system includes:

[0107] Mobile terminal 01, used to receive identity information input by the user and upload the identity information to the bank server;

[0108] The bank server 02 is used to upload the identity authentication success information, the identity fingerprint corresponding to the user, and the validity period corresponding to the identity fingerprint to the database after the identity information is verified, and send the identity fingerprint corresponding to the user to the mobile terminal in the form of a QR code; search in the database according to the received identity fingerprint corresponding to the user, and when the identity fingerprint corresponding to the user exists in the database, determine whether the current time is within the validity period corresponding to the identity fingerprint stored in the database, and if so, send the corresponding transaction set sent by the bank self-service terminal to the bank self-service terminal;

[0109] The bank self-service terminal 03 is used to obtain the QR code received by the user through the mobile terminal when receiving the user's business processing request, obtain the identity fingerprint corresponding to the user according to the QR code, and send the identity fingerprint corresponding to the user to the bank server; provide the user with a transaction interface in the issued transaction set to complete the user's business processing request.

[0110] In one embodiment, the bank server is further used to predetermine the transaction set corresponding to each bank self-service terminal according to the following method:

[0111] Acquire historical transaction data corresponding to the mobile terminal, and determine the risk probability of each dimension corresponding to each transaction of the mobile terminal;

[0112] Obtain historical transaction data of a bank self-service terminal, and determine the risk probability of each transaction of the bank self-service terminal corresponding to each dimension;

[0113] Determining a partial order of transactions of the mobile terminal according to the risk probabilities of the various dimensions corresponding to the various transactions of the mobile terminal; wherein the partial order is used to determine whether a first transaction of any two transactions of the mobile terminal is greater than a second transaction;

[0114] According to the partial order of the mobile terminal transactions, a plurality of maximum mobile terminal transactions are selected from the transactions of the mobile terminal;

[0115] Based on multiple extremely large mobile terminal transactions and the risk probabilities of various dimensions corresponding to various transactions of the bank self-service terminal, a transaction set corresponding to the bank self-service terminal is determined.

[0116] In one embodiment, obtaining historical transaction data corresponding to a mobile terminal and determining the risk probability of each dimension corresponding to each transaction of the mobile terminal includes:

[0117] For each transaction of the mobile terminal, filter out the historical transaction data of each dimension corresponding to the transaction from the historical transaction data corresponding to the mobile terminal;

[0118] For each dimension, the historical transaction data corresponding to the transaction in the dimension is divided into a plurality of historical transaction data subsets;

[0119] The proportion of risky transaction data in each historical transaction data subset is used as the risk probability of the transaction corresponding to the historical transaction data subset of the dimension;

[0120] The mean of the risk probabilities of all historical transaction data subsets is determined as the risk probability of the transaction corresponding to the dimension, and finally the risk probability of each transaction of the mobile terminal corresponding to each dimension is obtained.

[0121] In one embodiment, determining the partial order of the mobile terminal transactions according to the risk probabilities of the various dimensions corresponding to the various transactions of the mobile terminal includes:

[0122] After obtaining the risk probability samples of each dimension corresponding to each transaction of the mobile terminal, based on the risk probability samples of each dimension corresponding to each transaction of the mobile terminal, determining the variance and the corresponding number of samples corresponding to the risk probability of the transaction corresponding to the dimension;

[0123] The quotient of the square of the variance corresponding to the risk probability of the transaction corresponding to the dimension and the corresponding number of samples is taken as the convergence upper bound corresponding to the risk probability of the transaction corresponding to the dimension;

[0124] For any two transactions of mobile terminal transactions, if for each dimension, the risk probability of the first transaction of the two transactions corresponding to the dimension is greater than or equal to the risk probability of the second transaction of the two transactions corresponding to the dimension, and the convergence upper bounds corresponding to the risk probabilities of the first transaction corresponding to each dimension are less than or equal to the convergence threshold, then it is determined that the first transaction is greater than the second transaction.

[0125] In one embodiment, historical transaction data of a bank self-service terminal is obtained, and risk probabilities of various dimensions corresponding to various transactions of the bank self-service terminal are determined, including:

[0126] For each transaction of the bank's self-service terminal, filter out the historical transaction data of each dimension corresponding to the transaction from the historical transaction data of the bank's self-service terminal;

[0127] For each dimension, the historical transaction data corresponding to the transaction in the dimension is divided into a plurality of historical transaction data subsets;

[0128] The proportion of risky transaction data in each historical transaction data subset is used as the risk probability sample corresponding to the historical transaction data subset of the dimension corresponding to the transaction;

[0129] The mean of the risk probabilities of all historical transaction data subsets is determined as the risk probability of the transaction corresponding to the dimension, and finally the risk probability of each transaction of the bank self-service terminal corresponding to each dimension is obtained.

[0130] In one embodiment, based on multiple extremely large mobile terminal transactions and the risk probabilities of various dimensions corresponding to various transactions of the bank self-service terminal, a transaction set corresponding to the bank self-service terminal is determined, including:

[0131] After obtaining the risk probability samples of each dimension corresponding to each transaction of the bank self-service terminal, based on the risk probability samples of each dimension corresponding to each transaction of the bank self-service terminal, determining the variance and the corresponding sample quantity corresponding to the risk probability of the transaction corresponding to the dimension;

[0132] The quotient of the square of the variance corresponding to the risk probability of the transaction corresponding to the dimension and the corresponding number of samples is taken as the convergence upper bound corresponding to the risk probability of the transaction corresponding to the dimension;

[0133] Selecting multiple transactions whose convergence upper bounds corresponding to the risk probabilities of the corresponding dimensions are less than or equal to the convergence threshold from the transactions of the bank's self-service terminals;

[0134] For each selected transaction, determine whether there is a third transaction of the mobile terminal that satisfies the following first condition in the maximum number of mobile terminal transactions: for each dimension, the risk probability of the selected transaction corresponding to the dimension is less than or equal to the risk probability of the third transaction of the mobile terminal corresponding to the dimension;

[0135] If there is a mobile terminal transaction in the maximum number of mobile terminal transactions that meets the first condition, the selected transaction will be added to the sent transaction set corresponding to the bank self-service terminal.

[0136] In one embodiment, determining the partial order of the mobile terminal transactions according to the risk probabilities of the various dimensions corresponding to the various transactions of the mobile terminal includes:

[0137] For any two transactions of the mobile terminal, if for each dimension, the risk probability of the first transaction of the two transactions corresponding to the dimension is greater than or equal to the risk probability of the second transaction of the two transactions corresponding to the dimension, then it is determined that the first transaction is greater than the second transaction.

[0138] In one embodiment, based on multiple extremely large mobile terminal transactions and the risk probabilities of various dimensions corresponding to various transactions of the bank self-service terminal, a transaction set corresponding to the bank self-service terminal is determined, including:

[0139] For each transaction of the bank self-service terminal, determine whether there is a fourth transaction of the mobile terminal that meets the following second condition in the maximum number of mobile terminal transactions: for each dimension, the risk probability of the transaction of the bank self-service terminal corresponding to the dimension is less than or equal to the risk probability of the fourth transaction of the mobile terminal corresponding to the dimension;

[0140] If there is a mobile terminal transaction that meets the second condition in the maximum number of mobile terminal transactions, the transaction of the bank self-service terminal is added to the sent transaction set corresponding to the bank self-service terminal.

[0141] An embodiment of the present invention also provides a computer device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the above-mentioned method of logging into a bank self-service terminal based on a mobile terminal when executing the computer program.

[0142] An embodiment of the present invention further provides a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the method for logging into a bank self-service terminal based on a mobile terminal is implemented.

[0143] 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, the method for logging into a bank self-service terminal based on a mobile terminal is implemented.

[0144] In an embodiment of the present invention, a scheme for logging into a bank self-service terminal based on a mobile terminal is as follows: the mobile terminal receives identity information input by a user and uploads the identity information to a bank server; after verification according to the identity information, the bank server uploads identity authentication success information, the identity fingerprint corresponding to the user, and the validity period corresponding to the identity fingerprint to a database, and sends the identity fingerprint corresponding to the user to the mobile terminal in the form of a two-dimensional code; when the bank self-service terminal receives a business processing request from the user, it obtains the two-dimensional code received by the user through the mobile terminal, obtains the identity fingerprint corresponding to the user according to the two-dimensional code, and sends the identity fingerprint corresponding to the user to the bank server; the bank server searches in a database according to the received identity fingerprint corresponding to the user, and when the identity fingerprint corresponding to the user exists in the database, determines whether the current time is within the validity period corresponding to the identity fingerprint stored in the database, and if so, sends the corresponding issued transaction set of the bank self-service terminal to the bank self-service terminal; the bank self-service terminal provides the user with a transaction interface in the issued transaction set to complete the business processing request of the user, thereby supporting the user to use the mobile terminal to log in to the bank self-service terminal to process business, which not only facilitates the user, improves the user experience, but also controls the occurrence of risks.

[0145] Those skilled in the art will appreciate that embodiments of the present invention may be provided as methods, systems, or computer program products. Therefore, the present invention may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0146] The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (systems), and computer program products 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 the combination 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.

[0147] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate 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 A function specified in one or more boxes.

[0148] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0149] 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 method for logging into a bank self-service terminal based on a mobile terminal, characterized in that: include: The mobile terminal receives the identity information input by the user and uploads the identity information to the bank server; After the identity information is verified, the bank server uploads the identity authentication success information, the identity fingerprint corresponding to the user, and the validity period corresponding to the identity fingerprint to the database, and sends the identity fingerprint corresponding to the user to the mobile terminal in the form of a QR code; When receiving the service request from the user, the bank self-service terminal obtains the QR code received by the user through the mobile terminal, obtains the identity fingerprint corresponding to the user according to the QR code, and sends the identity fingerprint corresponding to the user to the bank server; The bank server searches the database according to the received identity fingerprint of the user, and when the identity fingerprint of the user exists in the database, determines whether the current time is within the validity period corresponding to the identity fingerprint stored in the database, and if so, sends the sent transaction set corresponding to the bank self-service terminal to the bank self-service terminal; The bank self-service terminal provides the user with a transaction interface in the issued transaction set to complete the user's business processing request; The method for logging into a bank self-service terminal based on a mobile terminal also includes the bank server predetermining a set of issued transactions corresponding to each bank self-service terminal according to the following method: obtaining historical transaction data corresponding to the mobile terminal, and determining the risk probability of each dimension corresponding to each transaction of the mobile terminal; obtaining historical transaction data of the bank self-service terminal, and determining the risk probability of each dimension corresponding to each transaction of the bank self-service terminal; determining the partial order of mobile terminal transactions based on the risk probability of each dimension corresponding to each transaction of the mobile terminal; wherein the partial order is used to determine whether the first transaction of any two transactions of the mobile terminal is greater than the second transaction; selecting a plurality of extremely large mobile terminal transactions from each transaction of the mobile terminal based on the partial order of the mobile terminal transactions; determining the set of issued transactions corresponding to the bank self-service terminal based on the plurality of extremely large mobile terminal transactions and the risk probability of each dimension corresponding to each transaction of the bank self-service terminal; Determining the partial order of transactions of the mobile terminal according to the risk probabilities of the transactions of the mobile terminal corresponding to the dimensions, including: for any two transactions of the mobile terminal, if for each dimension, the risk probability of a first transaction of the two transactions corresponding to the dimension is greater than or equal to the risk probability of a second transaction of the two transactions corresponding to the dimension, then determining that the first transaction is greater than the second transaction; According to the partial order of mobile terminal transactions, multiple maximum mobile terminal transactions are selected from various transactions of the mobile terminal, including: initializing a set of mobile phone transactions to be determined and a set of mobile phone transactions to be compared as all transactions of the mobile terminal, and initializing the maximum mobile phone transaction set to be empty; looping and executing the following steps until the set of mobile phone transactions to be determined is empty: taking a first transaction from the set of mobile phone transactions to be determined, and comparing the first transaction with each second transaction in the set of mobile phone transactions to be compared except the first transaction; if the second transaction is greater than the first transaction, deleting the first transaction from the set of mobile phone transactions to be determined; if the first transaction is greater than the second transaction, deleting the second transaction from the set of mobile phone transactions to be determined, and determining the second transaction as a secondary mobile terminal transaction of the first transaction; if it is confirmed that each mobile terminal transaction in the set of mobile phone transactions to be compared except the first transaction is not greater than the first transaction, adding the first transaction to the maximum mobile phone transaction set, and deleting all secondary mobile terminal transactions of the first transaction from the set of mobile phone transactions to be compared; and taking the mobile terminal transactions in the maximum mobile phone transaction set as the maximum mobile terminal transactions.

2. The method for logging into a bank self-service terminal based on a mobile terminal as claimed in claim 1, characterized in that: Obtaining historical transaction data corresponding to the mobile terminal, and determining the risk probability of each dimension corresponding to each transaction of the mobile terminal, including: For each transaction of the mobile terminal, filter out the historical transaction data of each dimension corresponding to the transaction from the historical transaction data corresponding to the mobile terminal; For each dimension, the historical transaction data corresponding to the transaction in the dimension is divided into a plurality of historical transaction data subsets; The proportion of risky transaction data in each historical transaction data subset is used as the risk probability of the transaction in the historical transaction data subset corresponding to the dimension; The mean of the risk probabilities of all historical transaction data subsets is determined as the risk probability of the transaction corresponding to the dimension, and finally the risk probability of each transaction of the mobile terminal corresponding to each dimension is obtained.

3. The method for logging into a bank self-service terminal based on a mobile terminal as claimed in claim 2, characterized in that: Determining the partial order of the mobile terminal transactions according to the risk probabilities of the various dimensions corresponding to the various transactions of the mobile terminal includes: After obtaining the risk probability samples of each dimension corresponding to each transaction of the mobile terminal, based on the risk probability samples of each dimension corresponding to each transaction of the mobile terminal, determining the variance and the corresponding number of samples corresponding to the risk probability of the transaction corresponding to the dimension; The quotient of the square of the variance corresponding to the risk probability of the transaction corresponding to the dimension and the corresponding number of samples is taken as the convergence upper bound corresponding to the risk probability of the transaction corresponding to the dimension; For any two transactions of mobile terminal transactions, if for each dimension, the risk probability of the first transaction of the two transactions corresponding to the dimension is greater than or equal to the risk probability of the second transaction of the two transactions corresponding to the dimension, and the convergence upper bounds corresponding to the risk probabilities of the first transaction corresponding to each dimension are less than or equal to the convergence threshold, then it is determined that the first transaction is greater than the second transaction.

4. The method for logging into a bank self-service terminal based on a mobile terminal as claimed in claim 1, characterized in that: Obtain historical transaction data of a bank self-service terminal and determine the risk probability of each transaction of the bank self-service terminal corresponding to each dimension, including: For each transaction of the bank's self-service terminal, filter out the historical transaction data of each dimension corresponding to the transaction from the historical transaction data of the bank's self-service terminal; For each dimension, the historical transaction data corresponding to the transaction in the dimension is divided into a plurality of historical transaction data subsets; The proportion of risky transaction data in each historical transaction data subset is used as the risk probability sample corresponding to the historical transaction data subset of the dimension corresponding to the transaction; The mean of the risk probabilities of all historical transaction data subsets is determined as the risk probability of the transaction corresponding to the dimension, and finally the risk probability of each transaction of the bank self-service terminal corresponding to each dimension is obtained.

5. The method for logging into a bank self-service terminal based on a mobile terminal as claimed in claim 4, characterized in that: According to multiple extremely large mobile terminal transactions and the risk probabilities of various dimensions corresponding to various transactions of the bank self-service terminal, a transaction set corresponding to the bank self-service terminal is determined, including: After obtaining the risk probability samples of each dimension corresponding to each transaction of the bank self-service terminal, based on the risk probability samples of each dimension corresponding to each transaction of the bank self-service terminal, determining the variance and the corresponding sample quantity corresponding to the risk probability of the transaction corresponding to the dimension; The quotient of the square of the variance corresponding to the risk probability of the transaction corresponding to the dimension and the corresponding number of samples is taken as the convergence upper bound corresponding to the risk probability of the transaction corresponding to the dimension; Selecting multiple transactions whose convergence upper bounds corresponding to the risk probabilities of the corresponding dimensions are less than or equal to the convergence threshold from the transactions of the bank's self-service terminals; For each selected transaction, determine whether there is a third transaction of the mobile terminal that satisfies the following first condition in the maximum number of mobile terminal transactions: for each dimension, the risk probability of the selected transaction corresponding to the dimension is less than or equal to the risk probability of the third transaction of the mobile terminal corresponding to the dimension; If there is a mobile terminal transaction in the maximum number of mobile terminal transactions that meets the first condition, the selected transaction will be added to the sent transaction set corresponding to the bank self-service terminal.

6. The method for logging into a bank self-service terminal based on a mobile terminal as claimed in claim 1, characterized in that: According to multiple extremely large mobile terminal transactions and the risk probabilities of various dimensions corresponding to various transactions of the bank self-service terminal, a transaction set corresponding to the bank self-service terminal is determined, including: For each transaction of the bank self-service terminal, determine whether there is a fourth transaction of the mobile terminal that meets the following second condition in the maximum number of mobile terminal transactions: for each dimension, the risk probability of the transaction of the bank self-service terminal corresponding to the dimension is less than or equal to the risk probability of the fourth transaction of the mobile terminal corresponding to the dimension; If there is a mobile terminal transaction that meets the second condition in the maximum number of mobile terminal transactions, the transaction of the bank self-service terminal is added to the sent transaction set corresponding to the bank self-service terminal.

7. A system based on mobile terminal logging into a bank self-service terminal, characterized in that: include: The mobile terminal is used to receive the identity information input by the user and upload the identity information to the bank server; The bank server is used to upload the identity authentication success information, the identity fingerprint corresponding to the user, and the validity period corresponding to the identity fingerprint to the database after the identity information is verified, and send the identity fingerprint corresponding to the user to the mobile terminal in the form of a QR code; search in the database according to the received identity fingerprint corresponding to the user, and when the identity fingerprint corresponding to the user exists in the database, determine whether the current time is within the validity period corresponding to the identity fingerprint stored in the database, and if so, send the corresponding transaction set sent by the bank self-service terminal to the bank self-service terminal; The bank self-service terminal is used to obtain the QR code received by the user through the mobile terminal when receiving the business processing request of the user, obtain the identity fingerprint corresponding to the user according to the QR code, and send the identity fingerprint corresponding to the user to the bank server; provide the transaction interface in the issued transaction set for the user to complete the business processing request of the user; The bank server is also used to predetermine the transaction set corresponding to each bank self-service terminal according to the following method: obtain historical transaction data corresponding to the mobile terminal, and determine the risk probability of each dimension corresponding to each transaction of the mobile terminal; obtain historical transaction data of the bank self-service terminal, and determine the risk probability of each dimension corresponding to each transaction of the bank self-service terminal; determine the partial order of mobile terminal transactions based on the risk probability of each dimension corresponding to each transaction of the mobile terminal; wherein the partial order is used to determine whether the first transaction of any two transactions of the mobile terminal is greater than the second transaction; select multiple extremely large mobile terminal transactions from each transaction of the mobile terminal based on the partial order of the mobile terminal transactions; determine the transaction set corresponding to the bank self-service terminal based on the multiple extremely large mobile terminal transactions and the risk probability of each dimension corresponding to each transaction of the bank self-service terminal; Determining the partial order of transactions of the mobile terminal according to the risk probabilities of the transactions of the mobile terminal corresponding to the dimensions, including: for any two transactions of the mobile terminal, if for each dimension, the risk probability of a first transaction of the two transactions corresponding to the dimension is greater than or equal to the risk probability of a second transaction of the two transactions corresponding to the dimension, then determining that the first transaction is greater than the second transaction; According to the partial order of mobile terminal transactions, multiple maximum mobile terminal transactions are selected from various transactions of the mobile terminal, including: initializing a set of mobile phone transactions to be determined and a set of mobile phone transactions to be compared as all transactions of the mobile terminal, and initializing the maximum mobile phone transaction set to be empty; looping and executing the following steps until the set of mobile phone transactions to be determined is empty: taking a first transaction from the set of mobile phone transactions to be determined, and comparing the first transaction with each second transaction in the set of mobile phone transactions to be compared except the first transaction; if the second transaction is greater than the first transaction, deleting the first transaction from the set of mobile phone transactions to be determined; if the first transaction is greater than the second transaction, deleting the second transaction from the set of mobile phone transactions to be determined, and determining the second transaction as a secondary mobile terminal transaction of the first transaction; if it is confirmed that each mobile terminal transaction in the set of mobile phone transactions to be compared except the first transaction is not greater than the first transaction, adding the first transaction to the maximum mobile phone transaction set, and deleting all secondary mobile terminal transactions of the first transaction from the set of mobile phone transactions to be compared; and taking the mobile terminal transactions in the maximum mobile phone transaction set as the maximum mobile terminal transactions.

8. The system based on mobile terminal logging into bank self-service terminal as claimed in claim 7, characterized in that: Obtaining historical transaction data corresponding to the mobile terminal, and determining the risk probability of each dimension corresponding to each transaction of the mobile terminal, including: For each transaction of the mobile terminal, filter out the historical transaction data of each dimension corresponding to the transaction from the historical transaction data corresponding to the mobile terminal; For each dimension, the historical transaction data corresponding to the transaction in the dimension is divided into a plurality of historical transaction data subsets; The proportion of risky transaction data in each historical transaction data subset is used as the risk probability of the transaction in the historical transaction data subset corresponding to the dimension; The mean of the risk probabilities of all historical transaction data subsets is determined as the risk probability of the transaction corresponding to the dimension, and finally the risk probability of each transaction of the mobile terminal corresponding to each dimension is obtained.

9. The system based on mobile terminal logging into bank self-service terminal as claimed in claim 8, characterized in that: Determining the partial order of the mobile terminal transactions according to the risk probabilities of the various dimensions corresponding to the various transactions of the mobile terminal includes: After obtaining the risk probability samples of each dimension corresponding to each transaction of the mobile terminal, based on the risk probability samples of each dimension corresponding to each transaction of the mobile terminal, determining the variance and the corresponding number of samples corresponding to the risk probability of the transaction corresponding to the dimension; The quotient of the square of the variance corresponding to the risk probability of the transaction corresponding to the dimension and the corresponding number of samples is taken as the convergence upper bound corresponding to the risk probability of the transaction corresponding to the dimension; For any two transactions of mobile terminal transactions, if for each dimension, the risk probability of the first transaction of the two transactions corresponding to the dimension is greater than or equal to the risk probability of the second transaction of the two transactions corresponding to the dimension, and the convergence upper bounds corresponding to the risk probabilities of the first transaction corresponding to each dimension are less than or equal to the convergence threshold, then it is determined that the first transaction is greater than the second transaction.

10. The system based on mobile terminal logging into bank self-service terminal as claimed in claim 7, characterized in that: Obtain historical transaction data of a bank self-service terminal and determine the risk probability of each transaction of the bank self-service terminal corresponding to each dimension, including: For each transaction of the bank's self-service terminal, filter out the historical transaction data of each dimension corresponding to the transaction from the historical transaction data of the bank's self-service terminal; For each dimension, the historical transaction data corresponding to the transaction in the dimension is divided into a plurality of historical transaction data subsets; The proportion of risky transaction data in each historical transaction data subset is used as the risk probability sample corresponding to the historical transaction data subset of the dimension corresponding to the transaction; The mean of the risk probabilities of all historical transaction data subsets is determined as the risk probability of the transaction corresponding to the dimension, and finally the risk probability of each transaction of the bank self-service terminal corresponding to each dimension is obtained.

11. The system based on mobile terminal logging into bank self-service terminal as claimed in claim 10, characterized in that: According to multiple extremely large mobile terminal transactions and the risk probabilities of various dimensions corresponding to various transactions of the bank self-service terminal, a transaction set corresponding to the bank self-service terminal is determined, including: After obtaining the risk probability samples of each dimension corresponding to each transaction of the bank self-service terminal, based on the risk probability samples of each dimension corresponding to each transaction of the bank self-service terminal, determining the variance and the corresponding sample quantity corresponding to the risk probability of the transaction corresponding to the dimension; The quotient of the square of the variance corresponding to the risk probability of the transaction corresponding to the dimension and the corresponding number of samples is taken as the convergence upper bound corresponding to the risk probability of the transaction corresponding to the dimension; Selecting multiple transactions whose convergence upper bounds corresponding to the risk probabilities of the corresponding dimensions are less than or equal to the convergence threshold from the transactions of the bank's self-service terminals; For each selected transaction, determine whether there is a third transaction of the mobile terminal that satisfies the following first condition in the maximum number of mobile terminal transactions: for each dimension, the risk probability of the selected transaction corresponding to the dimension is less than or equal to the risk probability of the third transaction of the mobile terminal corresponding to the dimension; If there is a mobile terminal transaction in the maximum number of mobile terminal transactions that meets the first condition, the selected transaction will be added to the sent transaction set corresponding to the bank self-service terminal.

12. The system based on mobile terminal logging into bank self-service terminal as claimed in claim 7, characterized in that: According to multiple extremely large mobile terminal transactions and the risk probabilities of various dimensions corresponding to various transactions of the bank self-service terminal, a transaction set corresponding to the bank self-service terminal is determined, including: For each transaction of the bank self-service terminal, determine whether there is a fourth transaction of the mobile terminal that meets the following second condition in the maximum number of mobile terminal transactions: for each dimension, the risk probability of the transaction of the bank self-service terminal corresponding to the dimension is less than or equal to the risk probability of the fourth transaction of the mobile terminal corresponding to the dimension; If there is a mobile terminal transaction that meets the second condition in the maximum number of mobile terminal transactions, the transaction of the bank self-service terminal is added to the sent transaction set corresponding to the bank self-service terminal.

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

14. 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.

15. 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.

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