Method, device and readable storage medium for reporting large transaction reports

Abstract

The present invention discloses a reporting method, device and readable storage medium for large-value transaction reports, the method comprising: determining the merchant identity information, transaction IP address and transaction amount according to the transaction flow information sent by the merchant terminal; determining whether the business license information corresponding to the merchant identity information is stored; if the business license information corresponding to the merchant identity information is stored, obtaining the target amount corresponding to the transaction IP address; when the transaction amount is greater than or equal to the target amount, generating a report corresponding to the transaction flow information; and reporting the report to an anti-money laundering monitoring and analysis center. The present invention improves the reporting efficiency of large-value transactions.

Description

Technical Field

[0001] The present invention relates to the field of data processing technology, and in particular to a method, device and readable storage medium for submitting a large transaction report. Technical Background

[0002] For large-value transactions by merchants, if the amount involved reaches the threshold, a large-value transaction report must be submitted to the Anti-Money Laundering Monitoring and Analysis Center. However, the technology on the market suitable for large-value reporting by non-bank payment institutions is very limited, and most of them are third-party standardized products. Many element fields need to be filled in manually, which makes the reporting efficiency of large-value transactions low. Summary of the invention

[0003] The present invention aims to solve the technical problem of how to improve the efficiency of reporting large-value transactions by providing a reporting method, device and readable storage medium for large-value transaction reports.

[0004] The present invention provides a method for reporting large transaction reports, which is applied to a server, wherein the server is connected to a merchant and an anti-money laundering monitoring and analysis center, and the method comprises:

[0005] Determine the merchant's identity information, transaction IP address, and transaction amount based on the transaction flow information sent by the merchant;

[0006] Determining whether business license information corresponding to the merchant identity information is stored;

[0007] If the business license information corresponding to the merchant identity information is stored, the target amount corresponding to the transaction IP address is obtained;

[0008] When the transaction amount is greater than or equal to the target amount, generating a report corresponding to the transaction flow information;

[0009] Submit the said report to the Anti-Money Laundering Monitoring and Analysis Center.

[0010] In one embodiment, before the step of submitting the report to an anti-money laundering monitoring and analysis center, the method further includes:

[0011] Determining whether the report requires manual review based on the merchant identity information;

[0012] When the report needs manual review, output a modification interface corresponding to the report, and output prompt information for manual review on the modification interface, wherein when a modification instruction is received, modify the report in response to the modification instruction;

[0013] When the reporting instruction is received, the step of reporting the report to the anti-money laundering monitoring and analysis center is executed.

[0014] In one embodiment, after the step of determining whether business license information corresponding to the merchant identity information is stored, the method further includes:

[0015] If the business license information corresponding to the merchant identity information is not stored, determining whether the transaction amount is greater than or equal to a preset amount;

[0016] When the transaction amount is greater than or equal to the preset amount, a report corresponding to the transaction flow information is generated.

[0017] In one embodiment, the step of determining the merchant identity information, transaction IP address, and transaction amount according to the transaction flow information sent by the merchant terminal includes:

[0018] Receiving transaction flow information sent by the merchant end, and determining the merchant identity information according to the transaction flow information;

[0019] Determine whether the merchant corresponding to the merchant identity information has a preset mark exempted from reporting;

[0020] If the merchant does not correspond to the preset identifier, the transaction IP address and the transaction amount are determined according to the transaction flow information.

[0021] In one embodiment, after the step of determining whether the merchant identity information corresponds to a preset flag for exemption from reporting, the method further includes:

[0022] If the merchant identity information does not correspond to the preset identifier, determining whether there is transaction flow information to be processed;

[0023] If the transaction flow information to be processed exists, return to execute the step of determining the merchant identity information, transaction IP address, and transaction amount according to the transaction flow information sent by the merchant end.

[0024] In one embodiment, the step of submitting the report to an anti-money laundering monitoring and analysis center includes:

[0025] Storing the report and determining whether there is transaction flow information to be processed;

[0026] If the transaction flow information to be processed exists, return to the step of obtaining the transaction flow information, and determine the merchant identity information, transaction IP address, and transaction amount according to the transaction flow information;

[0027] If the transaction flow information to be processed does not exist, compress the stored report to obtain a compressed file of the report on the large transaction;

[0028] Submit the compressed report file to the anti-money laundering monitoring and analysis center.

[0029] In one embodiment, when the transaction amount is greater than or equal to the target amount, the step of generating a report corresponding to the transaction flow information includes:

[0030] When the transaction amount is greater than or equal to the target amount, obtaining preset merchant information corresponding to the transaction flow information according to the merchant identity information;

[0031] Obtaining the transaction timestamp in the transaction flow information;

[0032] The report corresponding to the transaction flow information is generated according to the preset merchant information, the transaction timestamp, the transaction IP address and the transaction amount.

[0033] In one embodiment, the step of generating the report corresponding to the transaction flow information according to the preset merchant information, the transaction timestamp, the transaction IP address, and the transaction amount includes:

[0034] Determine the payment type according to the transaction IP address, where the payment type includes domestic payment and overseas payment;

[0035] Fill the preset merchant information, the payment type, the transaction timestamp and the transaction amount into a preset XML template to generate the report.

[0036] An embodiment of the present invention also provides a reporting device for large-value transaction reports, which includes: a memory, a processor, and a computer program stored in the memory and executable on the processor, and when the processor executes the computer program, each step of the reporting method for large-value transaction reports as described above is implemented.

[0037] An embodiment of the present invention further provides a readable storage medium, on which a computer program is stored. When the computer program is executed by a processor, the various steps of the method for submitting a large-value transaction report as described above are implemented.

[0038] In the technical solution of this embodiment, the reporting device of the large-amount transaction report determines the merchant identity information, transaction IP address, and transaction amount according to the transaction flow information sent by the merchant end; determines whether the business license information corresponding to the merchant identity information is stored; if the business license information corresponding to the merchant identity information is stored, obtains the target amount corresponding to the transaction IP address; when the transaction amount is greater than or equal to the target amount, generates a report corresponding to the transaction flow information; and reports the report to the anti-money laundering monitoring and analysis center. Since the reporting device of the large-amount transaction report can receive the transaction flow information of the merchant end, and then determines whether the transaction type is a large-amount transaction through the merchant identity information, transaction IP address, and transaction amount in the transaction flow information, when the transaction type is determined to be a large-amount transaction, a report corresponding to the transaction flow information can be generated and reported to the anti-money laundering monitoring and analysis center. Since the merchant identity information, transaction IP address, and transaction amount can be obtained based on the transaction flow information, compared with the manual filling of element fields in the existing technical means, the automation of large-amount transaction determination can be realized, and the reporting efficiency of large-amount transaction reports is improved. BRIEF DESCRIPTION OF THE DRAWINGS

[0039] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. 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 paying creative work.

[0040] Figure 1 A schematic diagram of the hardware architecture of a reporting device for large-value transaction reports involved in an embodiment of the present invention;

[0041] Figure 2 This is a flow chart of a first embodiment of a method for submitting a large-value transaction report according to the present invention;

[0042] Figure 3 This is a flow chart of a second embodiment of a method for submitting a large-value transaction report according to the present invention;

[0043] Figure 4 This is a detailed flow chart of step S10 of the third embodiment of the method for submitting a large-value transaction report of the present invention;

[0044] Figure 5 This is a detailed flowchart of step S50 of the fourth embodiment of the method for submitting a large-value transaction report of the present invention. DETAILED DESCRIPTION

[0045] In order to better understand the above technical solution, exemplary embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings. Although exemplary embodiments of the present disclosure are shown in the accompanying drawings, it should be understood that the present disclosure can be implemented in various forms and should not be limited by the embodiments described herein. On the contrary, these embodiments are provided to enable a more thorough understanding of the present disclosure and to fully convey the scope of the present disclosure to those skilled in the art.

[0046] The main solution of the present invention is: the reporting device of the large transaction report determines the merchant identity information, transaction IP address, and transaction amount according to the transaction flow information sent by the merchant end; determines whether the business license information corresponding to the merchant identity information is stored; if the business license information corresponding to the merchant identity information is stored, obtains the target amount corresponding to the transaction IP address; when the transaction amount is greater than or equal to the target amount, generates a report corresponding to the transaction flow information; and reports the report to the anti-money laundering monitoring and analysis center.

[0047] Since the reporting device for large-value transaction reports can receive transaction flow information from the merchant side, and then determine whether the transaction type is a large-value transaction through the merchant identity information, transaction IP address, and transaction amount in the transaction flow information, when the transaction type is determined to be a large-value transaction, a report corresponding to the transaction flow information can be generated and reported to the anti-money laundering monitoring and analysis center. Since the merchant identity information, transaction IP address, and transaction amount can be obtained based on the transaction flow information, compared with the manual filling of element fields in existing technical means, the automation of large-value transaction determination can be achieved, thereby improving the reporting efficiency of large-value transaction reports.

[0048] As an implementation method, the reporting device for large transaction reports can be as follows: Figure 1 .

[0049] The embodiment of the present invention relates to a reporting device for large-value transaction reports, which includes: a processor 101, such as a CPU, a memory 102, and a communication bus 103. The communication bus 103 is used to realize connection and communication between these components.

[0050] The memory 102 may be a high-speed RAM memory or a stable memory (non-volatile memory), such as a disk memory. Figure 1 , the memory 103 as a readable storage medium may include a detection program; and the processor 101 may be used to call the detection program stored in the memory 102 and perform the following operations:

[0051] Determine the merchant's identity information, transaction IP address, and transaction amount based on the transaction flow information sent by the merchant;

[0052] Determining whether business license information corresponding to the merchant identity information is stored;

[0053] If the business license information corresponding to the merchant identity information is stored, the target amount corresponding to the transaction IP address is obtained;

[0054] When the transaction amount is greater than or equal to the target amount, generating a report corresponding to the transaction flow information;

[0055] Submit the said report to the Anti-Money Laundering Monitoring and Analysis Center.

[0056] In one embodiment, the processor 101 may be used to call the detection program stored in the memory 102 and perform the following operations:

[0057] Determining whether the report requires manual review based on the merchant identity information;

[0058] When the report needs manual review, output a modification interface corresponding to the report, and output prompt information for manual review on the modification interface, wherein when a modification instruction is received, modify the report in response to the modification instruction;

[0059] When the reporting instruction is received, the step of reporting the report to the anti-money laundering monitoring and analysis center is executed.

[0060] In one embodiment, the processor 101 may be used to call the detection program stored in the memory 102 and perform the following operations:

[0061] If the business license information corresponding to the merchant identity information is not stored, determining whether the transaction amount is greater than or equal to a preset amount;

[0062] When the transaction amount is greater than or equal to the preset amount, a report corresponding to the transaction flow information is generated.

[0063] In one embodiment, the processor 101 may be used to call the detection program stored in the memory 102 and perform the following operations:

[0064] Receiving transaction flow information sent by the merchant end, and determining the merchant identity information according to the transaction flow information;

[0065] Determine whether the merchant corresponding to the merchant identity information has a preset mark exempted from reporting;

[0066] If the merchant does not correspond to the preset identifier, the transaction IP address and the transaction amount are determined according to the transaction flow information.

[0067] In one embodiment, the processor 101 may be used to call the detection program stored in the memory 102 and perform the following operations:

[0068] If the merchant identity information does not correspond to the preset identifier, determining whether there is transaction flow information to be processed;

[0069] If the transaction flow information to be processed exists, return to execute the step of determining the merchant identity information, transaction IP address, and transaction amount according to the transaction flow information sent by the merchant end.

[0070] In one embodiment, the processor 101 may be used to call the detection program stored in the memory 102 and perform the following operations:

[0071] Storing the report and determining whether there is transaction flow information to be processed;

[0072] If the transaction flow information to be processed exists, return to the step of obtaining the transaction flow information, and determine the merchant identity information, transaction IP address, and transaction amount according to the transaction flow information;

[0073] If the transaction flow information to be processed does not exist, compress the stored report to obtain a compressed file of the report on the large transaction;

[0074] Submit the compressed report file to the anti-money laundering monitoring and analysis center.

[0075] In one embodiment, the processor 101 may be used to call the detection program stored in the memory 102 and perform the following operations:

[0076] When the transaction amount is greater than or equal to the target amount, obtaining preset merchant information corresponding to the transaction flow information according to the merchant identity information;

[0077] Obtaining the transaction timestamp in the transaction flow information;

[0078] The report corresponding to the transaction flow information is generated according to the preset merchant information, the transaction timestamp, the transaction IP address and the transaction amount.

[0079] In one embodiment, the processor 101 may be used to call the detection program stored in the memory 102 and perform the following operations:

[0080] Determine the payment type according to the transaction IP address, where the payment type includes domestic payment and overseas payment;

[0081] Fill the preset merchant information, the payment type, the transaction timestamp and the transaction amount into a preset XML template to generate the report.

[0082] In the technical solution of this embodiment, the reporting device of the large-amount transaction report determines the merchant identity information, transaction IP address, and transaction amount according to the transaction flow information sent by the merchant end; determines whether the business license information corresponding to the merchant identity information is stored; if the business license information corresponding to the merchant identity information is stored, obtains the target amount corresponding to the transaction IP address; when the transaction amount is greater than or equal to the target amount, generates a report corresponding to the transaction flow information; and reports the report to the anti-money laundering monitoring and analysis center. Since the reporting device of the large-amount transaction report can receive the transaction flow information of the merchant end, and then determines whether the transaction type is a large-amount transaction through the merchant identity information, transaction IP address, and transaction amount in the transaction flow information, when the transaction type is determined to be a large-amount transaction, a report corresponding to the transaction flow information can be generated and reported to the anti-money laundering monitoring and analysis center. Since the merchant identity information, transaction IP address, and transaction amount can be obtained based on the transaction flow information, compared with the manual filling of element fields in the existing technical means, the automation of large-amount transaction determination can be realized, and the reporting efficiency of large-amount transaction reports is improved.

[0083] In order to better understand the above technical solution, the above technical solution will be described in detail below in conjunction with the accompanying drawings and specific implementation methods.

[0084] Reference Figure 2 , Figure 2 The first embodiment of the method for reporting a large transaction report of the present invention comprises the following steps:

[0085] Step S10, determining the merchant identity information, transaction IP address, and transaction amount based on the transaction flow information sent by the merchant.

[0086] In this embodiment, the merchant side is communicatively connected with the reporting device for large-value transaction reports. When the reporting device for large-value transaction reports receives the transaction flow information sent by the merchant side, it can parse the transaction flow information and extract the merchant identity information, transaction IP address and transaction amount carried therein.

[0087] Optionally, the merchant identity information field, the transaction IP address field and the transaction amount field in the transaction flow information are identified to obtain the above-mentioned merchant identity information, transaction IP address and transaction amount.

[0088] Optionally, the reporting device for large-amount transaction reports is connected to multiple merchant terminals in communication, and when receiving transaction flow information sent by each merchant terminal, the received transaction flow information is stored. When the transaction flow information stored in the transaction flow information database reaches a preset amount, the steps of determining the merchant identity information, transaction IP address, and transaction amount according to the transaction flow information sent by the merchant terminal are performed.

[0089] Optionally, the reporting device for large-amount transaction reports is connected to multiple merchant terminals in communication, and when receiving transaction flow information sent by each merchant terminal, the received transaction flow information is stored. When there is transaction flow information whose storage time is longer than a preset time length in the transaction flow information stored in the transaction flow information database, it can be used as the transaction flow information to be reported, and the steps of determining the merchant identity information, transaction IP address, and transaction amount are performed according to the transaction flow information sent by the merchant terminal.

[0090] Optionally, the reporting device of the large transaction report is connected to multiple merchant terminals in communication, and when the transaction flow information sent by each merchant terminal is received, the received transaction flow information is stored. When the transaction flow information stored in the transaction flow information database does not reach the preset amount, but there is transaction flow information with a storage time longer than the preset time length, it can be used as the transaction flow information to be reported, and the steps of determining the merchant identity information, transaction IP address, and transaction amount according to the transaction flow information sent by the merchant terminal are performed.

[0091] Optionally, the reporting device for large-value transaction reports is connected to multiple merchant terminals in communication, and when receiving transaction flow information sent by each merchant terminal, the received transaction flow information is stored. When the current time reaches a preset reporting time period, the transaction flow information to be reported is determined in the transaction flow information database, and the steps of determining the merchant identity information, transaction IP address, and transaction amount are performed according to the transaction flow information sent by the merchant terminal.

[0092] Step S20, determining whether business license information corresponding to the merchant identity information is stored.

[0093] In this embodiment, the business license information is pre-stored data and is associated with the merchant identity information. It is easy to understand that when the corresponding merchant identity information is determined based on the transaction flow information, the merchant identity information database is traversed based on the above merchant identity information, and when the matching target identity information is traversed in the merchant identity information database, it is determined whether the target identity information is associated with a business license.

[0094] Step S30: If the business license information corresponding to the merchant identity information is stored, the target amount corresponding to the transaction IP address is obtained.

[0095] In this embodiment, if the business license information corresponding to the merchant identity information is stored, it is determined that the identity type of the merchant terminal is a non-natural person, and the step of obtaining the target amount corresponding to the transaction IP address is performed; the transaction IP address is the information in the transaction flow information sent by the merchant terminal, and the target amounts for transaction IP addresses in different regions are different. If the region corresponding to the transaction IP address is overseas, the amount corresponding to the overseas transaction is used as the above target amount; if the region corresponding to the transaction IP address is domestic, the amount corresponding to the domestic transaction is used as the above target amount. For example: the target amount set for domestic transactions is 500,000, and the target amount for overseas transactions is set to 200,000.

[0096] Step S40, when the transaction amount is greater than or equal to the target amount, generating a report corresponding to the transaction flow information.

[0097] In this embodiment, the above-mentioned target amount is defined as a large amount. If the transaction amount is greater than or equal to the target amount, the transaction is determined to be a large transaction, and a report corresponding to the transaction flow information is generated.

[0098] Optionally, when the transaction amount is greater than or equal to the target amount, the preset merchant information corresponding to the transaction flow information is obtained according to the merchant identity information; the transaction timestamp in the transaction flow information is obtained; and the report corresponding to the transaction flow information is generated according to the preset merchant information, the transaction timestamp, the transaction IP address, and the transaction amount. Specifically, the payment type is determined according to the transaction IP address, and the payment type includes domestic payment and overseas payment; the preset merchant information, the payment type, the transaction timestamp, and the transaction amount are filled into a preset XML template to generate the report.

[0099] Step S50: submit the report to the anti-money laundering monitoring and analysis center.

[0100] In the technical means of this embodiment, since the reporting device for large-value transaction reports can receive transaction flow information from the merchant side, and then determine whether the transaction type is a large-value transaction through the merchant identity information, transaction IP address, and transaction amount in the transaction flow information, when the transaction type is determined to be a large-value transaction, a report corresponding to the transaction flow information can be generated and reported to the anti-money laundering monitoring and analysis center. Since the merchant identity information, transaction IP address, and transaction amount can be obtained based on the transaction flow information, compared with the manual filling of element fields in the existing technical means, the automation of large-value transaction determination can be achieved, thereby improving the reporting efficiency of large-value transaction reports.

[0101] Reference Figure 3 , Figure 3This is a second embodiment of the method for reporting a large transaction report of the present invention, based on the first embodiment, and before step S50, further comprising:

[0102] Step S60: determining whether the report requires manual review based on the merchant identity information.

[0103] In this embodiment, the preset merchant identity information database is queried according to the merchant identity information to determine whether there is special merchant identity information corresponding to the merchant identity information. When the merchant identity information database has the special merchant identity information matching the merchant identity information, it is determined that manual review is required. Specifically, the above merchant identity information is used as a query condition to traverse the special merchant identity information database to determine whether the merchant type corresponding to the transaction flow information is a characteristic merchant. If so, it is determined that the generated report needs to be manually reviewed.

[0104] Step S70, when the report needs manual review, output the modification interface corresponding to the report, and output prompt information for manual review on the modification interface, wherein when a modification instruction is received, the report is modified in response to the modification instruction.

[0105] In this embodiment, the modification interface is used to modify the report. When the user inputs a modification instruction in the modification interface, the modification instruction can be executed to edit the report to achieve manual review.

[0106] Step S80, upon receiving the reporting instruction, executing the step of reporting the report to the anti-money laundering monitoring and analysis center.

[0107] In this embodiment, when the user initiates the above-mentioned reporting instruction based on the save or report button on the modification interface, it is determined that the manual review is completed and the report is reported to the anti-money laundering monitoring and analysis center.

[0108] Optionally, if the business license information corresponding to the merchant identity information is not stored, determine whether the transaction amount is greater than or equal to the preset amount; if the transaction amount is greater than or equal to the preset amount, generate a report corresponding to the transaction flow information. If the business license information corresponding to the merchant identity information is not stored, the merchant corresponding to the merchant identity information is determined to be a natural person, and there is no need to determine whether it is a domestic or overseas transaction. The reporting function can be realized by directly determining large-amount transactions based on the preset amount corresponding to the natural person.

[0109] In the technical solution of this embodiment, it is taken into account that the identities of some merchants are rather special, including but not limited to merchants whose contents of some fields in the report are not fixed for a long time. Some fields in the reports of such merchants are not set to be automatically filled or the contents of the automatic filling are prone to errors. Therefore, this embodiment sets the reports of such users to be manually reviewed, which can improve the accuracy of large-value transaction reports.

[0110] Reference Figure 4 , Figure 4 The third embodiment of the method for reporting a large transaction report of the present invention is based on any one of the first to second embodiments, and step S10 includes:

[0111] Step S11, receiving transaction flow information sent by the merchant end, and determining the merchant identity information according to the transaction flow information.

[0112] Step S12, determining whether the merchant corresponding to the merchant identity information has a preset flag for exemption from reporting.

[0113] Step S13: If the merchant does not correspond to the preset identifier, determine the transaction IP address and the transaction amount according to the transaction flow information.

[0114] In this embodiment, when the transaction flow information sent by the merchant is received, the merchant identity information is first extracted, and when it is determined that the transaction flow information does not have the authority to be exempted from reporting based on the extracted merchant identity information, the process of obtaining the transaction IP address and transaction amount for determining large-amount transactions is executed. When the transaction flow information has the authority to be exempted from reporting, there is no need to perform the step of extracting the transaction IP address and transaction amount, which can reduce the waste of computing resources.

[0115] Optionally, if the merchant identity information does not correspond to the preset identifier, determine whether there is transaction flow information to be processed; if there is transaction flow information to be processed, return to execute the step of determining the merchant identity information, transaction IP address, and transaction amount based on the transaction flow information sent by the merchant. Among them, when it is determined that there is no need to report the currently processed transaction flow information, it can return to process other transaction flow information until all transaction flow information is processed, thus realizing a closed loop for reporting transaction flow information.

[0116] In the technical solution of this embodiment, merchants with and without the authority to be exempted from reporting can be distinguished by setting a preset identifier, and computing resources can be reduced.

[0117] Reference Figure 5 , Figure 5 This is a fourth embodiment of the method for reporting a large transaction report of the present invention, based on any one of the first to fifth embodiments, step S50 includes:

[0118] Step S51, storing the report and determining whether there is transaction flow information to be processed.

[0119] In this embodiment, after the report is generated, it is first stored, and then it is determined whether all pending transaction flow information has been processed. For example, when there are 100 pending transaction flow information stored and the 99th transaction flow information is processed, it is determined that there is still pending transaction flow information.

[0120] Step S52, if the transaction flow information to be processed exists, return to execute the step of obtaining the transaction flow information, and determine the merchant identity information, transaction IP address, and transaction amount according to the transaction flow information.

[0121] In this embodiment, when it is determined that there is transaction flow information to be processed, the transaction flow information processing flow is cycled once until all the transaction flow information to be processed is processed. For example, when there are 100 transaction flow information to be processed, when the 100th transaction flow information is processed, it is determined that all the transaction flow information to be processed has been processed.

[0122] Step S53: If the transaction flow information to be processed does not exist, compress the stored report to obtain a compressed file of the report of the large transaction.

[0123] In this embodiment, when it is determined that there is no transaction flow information to be processed, all stored reports are packaged and compressed and used for reporting to the anti-money laundering monitoring and analysis center.

[0124] Step S54, reporting the compressed report file to the anti-money laundering monitoring and analysis center.

[0125] Optionally, the above report compressed file is an encrypted file.

[0126] In the technical solution of this embodiment, after a large transaction report is generated, it is determined whether there is any unprocessed transaction flow information. If so, the report is stored first. If not, the stored report is packaged and reported. When there are multiple transaction flow information, only one report is required, which reduces the loss of data transmission resources.

[0127] To achieve the above-mentioned purpose, an embodiment of the present invention further provides a reporting device for large-value transaction reports, which includes: a memory, a processor, and a computer program stored in the memory and executable on the processor, and when the processor executes the computer program, each step of the reporting method for large-value transaction reports as described above is implemented.

[0128] To achieve the above objectives, an embodiment of the present invention further provides a readable storage medium, on which a computer program is stored. When the computer program is executed by a processor, the various steps of the method for submitting large transaction reports as described above are implemented.

[0129] It will be appreciated by those skilled in the art 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. Furthermore, the present invention may take the form of a computer program implemented on one or more computer-readable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0130] 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.

[0131] 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.

[0132] 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.

[0133] It should be noted that in the claims, any reference signs placed between brackets shall not be construed as limiting the claims. The word "comprising" does not exclude the presence of components or steps not listed in the claim. The word "a" or "an" preceding a component does not exclude the presence of a plurality of such components. The invention may be implemented by means of hardware comprising several different components and by means of a suitably programmed computer. In a unit claim enumerating several means, several of these means may be embodied by the same item of hardware. The use of the words first, second, and third etc. does not indicate any order. These words may be interpreted as names.

[0134] Although the preferred embodiments of the present invention have been described, those skilled in the art may make other changes and modifications to these embodiments once they have learned the basic creative concept. Therefore, the appended claims are intended to be interpreted as including the preferred embodiments and all changes and modifications that fall within the scope of the present invention.

[0135] Obviously, those skilled in the art can make various changes and modifications to the present invention without departing from the spirit and scope of the present invention. Thus, if these modifications and variations of the present invention fall within the scope of the claims of the present invention and their equivalents, the present invention is also intended to include these modifications and variations.

Claims

1. A method for submitting a large transaction report, characterized in that: Applied to a server, the server is connected to a merchant and an anti-money laundering monitoring and analysis center, the method includes: Receive transaction flow information sent by the merchant end, and determine the merchant identity information according to the transaction flow information; Determine whether the merchant corresponding to the merchant identity information has a preset mark exempted from reporting; For the merchant that does not correspond to the preset identifier, determine the transaction IP address and transaction amount according to the transaction flow information; Determining whether business license information corresponding to the merchant identity information is stored; For the business license information corresponding to the merchant identity information, obtaining the target amount corresponding to the transaction IP address; When the transaction amount is greater than or equal to the target amount, obtaining preset merchant information corresponding to the transaction flow information according to the merchant identity information; Obtaining the transaction timestamp in the transaction flow information; Generate a report corresponding to the transaction flow information according to the preset merchant information, the transaction timestamp, the transaction IP address, and the transaction amount; Submit the said report to the Anti-Money Laundering Monitoring and Analysis Center.

2. The method for submitting a large transaction report as claimed in claim 1, characterized in that: Before the step of submitting the report to the Anti-Money Laundering Monitoring and Analysis Center, the method further includes: Determining whether the report requires manual review based on the merchant identity information; When the report needs manual review, output a modification interface corresponding to the report, and output prompt information for manual review on the modification interface, wherein when a modification instruction is received, modify the report in response to the modification instruction; When the reporting instruction is received, the step of reporting the report to the anti-money laundering monitoring and analysis center is executed.

3. The method for submitting a large-value transaction report as claimed in claim 1, characterized in that: After the step of determining whether the business license information corresponding to the merchant identity information is stored, the method further includes: If the business license information corresponding to the merchant identity information is not stored, determining whether the transaction amount is greater than or equal to a preset amount; When the transaction amount is greater than or equal to the preset amount, a report corresponding to the transaction flow information is generated.

4. The method for submitting a large transaction report as claimed in claim 1, characterized in that: After the step of determining whether the merchant identity information corresponds to a preset flag for exemption from reporting, the method further includes: If the merchant identity information does not correspond to the preset identifier, determining whether there is transaction flow information to be processed; If the transaction flow information to be processed exists, return to execute the step of determining the merchant identity information, transaction IP address, and transaction amount according to the transaction flow information sent by the merchant end.

5. The method for submitting a large-value transaction report as claimed in claim 1, characterized in that: The step of submitting the report to the Anti-Money Laundering Monitoring and Analysis Center includes: Storing the report and determining whether there is transaction flow information to be processed; If the transaction flow information to be processed exists, return to the step of obtaining the transaction flow information, and determine the merchant identity information, transaction IP address, and transaction amount according to the transaction flow information; If the transaction flow information to be processed does not exist, compress the stored report to obtain a compressed file of the report on the large transaction; Submit the compressed report file to the anti-money laundering monitoring and analysis center.

6. The method for submitting a large transaction report as claimed in claim 1, characterized in that: The step of generating the report corresponding to the transaction flow information according to the preset merchant information, the transaction timestamp, the transaction IP address, and the transaction amount comprises: Determine the payment type according to the transaction IP address, where the payment type includes domestic payment and overseas payment; Fill the preset merchant information, the payment type, the transaction timestamp and the transaction amount into a preset XML template to generate the report.

7. A reporting device for large-value transaction reports, characterized in that: The reporting device for the large-value transaction report includes: 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 steps of the reporting method for the large-value transaction report as described in any one of claims 1 to 6 are implemented.

8. A readable storage medium, characterized in that: The readable storage medium stores a computer program, which, when executed by a processor, implements the steps of the method for submitting a large-value transaction report as described in any one of claims 1 to 6.

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