A risk control method and device for transfer transactions

Abstract

The present invention provides a risk control method and device for transfer transactions, which relates to the technical field of data processing. The method includes: obtaining transfer transaction data of a bank within a specified range, and extracting a set of transfer counterparts based on the transfer transaction data; classifying the set of transfer counterparts according to the transfer transaction data corresponding to the transfer counterparts to obtain multiple transfer counterpart categories; for each customer category, determining the corresponding relationship between the transfer coefficient and the risk indicator when transferring to each transfer counterpart category based on the transfer transaction data of the customer category; when a first customer initiates a transfer transaction request, obtaining the transfer counterpart and the transfer amount of the transfer transaction request; and performing risk control on the current transfer transaction of the first customer based on the transfer amount and the corresponding relationship between the transfer coefficient and the risk indicator when transferring to the transfer counterpart category to which the transfer counterpart belongs corresponding to the first customer.

Description

Technical Field

[0001] The present invention relates to the technical field of data processing, and particularly to a risk control method and device for transfer transactions. Background Art

[0002] This section aims to provide background or context for the embodiments of the present invention described in the claims. The description herein is not admitted to be prior art merely by including it in this section.

[0003] Banks need to control the risks that occur in customer transfer transactions, which can protect the safety of customers' funds. For example, in the prior art, banks set a transfer amount threshold, and when the amount exceeds this value, the transfer transaction needs to be controlled.

[0004] However, in the prior art, the transfer amount thresholds of banks are mostly set manually and are basically the same for all customers. This poses two problems: for customers with a large amount of funds, the customer experience is not good, and for customers with relatively little funds, the risks caused by this amount setting are relatively high.

[0005] In summary, there is an urgent need for a technical solution that can overcome the above defects and effectively control the risks of transfer transactions. Summary of the Invention

[0006] To solve the problems existing in the prior art, the present invention proposes a risk control method and device for transfer transactions.

[0007] In the first aspect of the embodiments of the present invention, a risk control method for transfer transactions is proposed, including:

[0008] Obtain the transfer transaction data of the bank within a specified range, and extract the transfer counterparty set according to the transfer transaction data;

[0009] Classify the transfer counterparty set based on the transfer transaction data corresponding to the transfer counterparty to obtain multiple transfer counterparty categories;

[0010] For each customer category, determine the corresponding relationship between the transfer coefficient and the risk index when transferring to each transfer counterparty category according to the transfer transaction data of the customer category;

[0011] When a first customer initiates a transfer transaction request, obtain the transfer counterparty and transfer amount of the transfer transaction request;

[0012] Based on the transfer amount and the corresponding relationship between the transfer coefficient and the risk index when transferring to the transfer counterparty category to which the transfer counterparty belongs according to the customer category corresponding to the first customer, control the risk of the current transfer transaction of the first customer.

[0013] In a second aspect of the embodiments of the present invention, a risk control device for transfer transactions is proposed, including:

[0014] A data acquisition module, configured to acquire transfer transaction data of a bank within a specified range, and extract a set of transfer counterparts according to the transfer transaction data;

[0015] A classification module, configured to classify the set of transfer counterparts according to the transfer transaction data corresponding to the transfer counterparts, and obtain multiple transfer counterpart categories;

[0016] A correspondence determination module, configured to, for each customer category, determine the correspondence between the transfer coefficient and the risk indicator when transferring to each transfer counterpart category according to the transfer transaction data of the customer category;

[0017] A transfer transaction acquisition module, configured to, when a first customer initiates a transfer transaction request, acquire the transfer counterpart and the transfer amount of the transfer transaction request;

[0018] A risk control module, configured to perform risk control on the current transfer transaction of the first customer according to the transfer amount and the correspondence between the transfer coefficient and the risk indicator when transferring to the transfer counterpart category to which the transfer counterpart belongs corresponding to the first customer.

[0019] In a third aspect of the embodiments of the present invention, a computer device is proposed, including a memory, a processor, and a computer program stored on the memory and executable on the processor, where when the processor executes the computer program, a risk control method for transfer transactions is implemented.

[0020] In a fourth aspect of the embodiments of the present invention, a computer-readable storage medium is proposed, where the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, a risk control method for transfer transactions is implemented.

[0021] In a fifth aspect of the embodiments of the present invention, a computer program product is proposed, where the computer program product includes a computer program, and when the computer program is executed by a processor, a risk control method for transfer transactions is implemented.

[0022] The risk control method and device for transfer transactions proposed by the present invention obtain transfer transaction data of a bank within a specified range, extract a set of transfer counterparts based on the transfer transaction data; classify the set of transfer counterparts according to the transfer transaction data corresponding to the transfer counterparts to obtain multiple transfer counterpart categories; for each customer category, determine the corresponding relationship between the transfer coefficient and the risk indicator when transferring from this customer category to each transfer counterpart category based on the transfer transaction data of this customer category; when a first customer initiates a transfer transaction request, obtain the transfer counterpart and transfer amount of this transfer transaction request; based on the transfer amount and the corresponding relationship between the transfer coefficient and the risk indicator when transferring from the customer category corresponding to the first customer to the transfer counterpart category to which this transfer counterpart belongs, perform risk control on this transfer transaction of the first customer. The overall solution can determine the corresponding relationship between the transfer coefficient and the risk indicator when transferring from each customer category to each transfer counterpart category by analyzing the transfer transaction data, thereby effectively controlling the risk of transfer transactions initiated by customers, reducing the risk of transfer, and protecting the safety of customer funds. BRIEF DESCRIPTION OF THE DRAWINGS

[0023] In order to more clearly illustrate the technical solutions of the embodiments of the present application, the accompanying drawings required for the description of the embodiments will be briefly introduced below. Obviously, the accompanying drawings in the following description are some embodiments of the present application. For those of ordinary skill in the art, other accompanying drawings can be obtained based on these drawings without creative efforts.

[0024] Figure 1 It is a schematic flowchart of the risk control method for transfer transactions according to an embodiment of the present invention.

[0025] Figure 2 It is a schematic flowchart of classifying the set of transfer counterparts according to an embodiment of the present invention.

[0026] Figure 3 It is a schematic flowchart of determining the corresponding relationship between the transfer coefficient and the risk indicator when transferring from this customer category to each transfer counterpart category according to an embodiment of the present invention.

[0027] Figure 4 It is a schematic flowchart of performing risk control on this transfer transaction of the first customer according to an embodiment of the present invention.

[0028] Figure 5 It is a schematic flowchart of the processing when a transfer counterpart does not belong to the extracted set of transfer counterparts according to an embodiment of the present invention.

[0029] Figure 6 It is a schematic architecture diagram of the risk control device for transfer transactions according to an embodiment of the present invention.

[0030] Figure 7Schematic diagram of the risk control device for transfer transactions according to another embodiment of the present invention.

[0031] Figure 8 Schematic diagram of the structure of a computer device according to an embodiment of the present invention. Detailed implementation manners

[0032] The principles and spirit of the present invention will be described below with reference to several exemplary embodiments. It should be understood that these embodiments are provided only to enable those skilled in the art to better understand and then implement the present invention, rather than limiting the scope of the present invention in any way. On the contrary, these embodiments are provided to make the present disclosure more thorough and complete, and to be able to fully convey the scope of the present disclosure to those skilled in the art.

[0033] Those skilled in the art know that the embodiments of the present invention can be implemented as a system, a device, an equipment, a method, or a computer program product. Therefore, the present disclosure can be specifically implemented in the following forms, namely: completely hardware, completely software (including firmware, resident software, microcode, etc.), or a combination of hardware and software.

[0034] According to an embodiment of the present invention, a risk control method and device for transfer transactions are proposed, which relate to the technical field of data processing.

[0035] The principles and spirit of the present invention will be elaborated below with reference to several representative embodiments of the present invention.

[0036] Figure 1 Schematic diagram of the process of the risk control method for transfer transactions according to an embodiment of the present invention. As Figure 1 shown, the method includes:

[0037] S1. Obtain transfer transaction data of a bank within a specified range, and extract a set of transfer counterparts according to the transfer transaction data;

[0038] S2. Classify the set of transfer counterparts according to the transfer transaction data corresponding to the transfer counterparts to obtain multiple transfer counterpart categories;

[0039] S3. For each customer category, determine the corresponding relationship between the transfer coefficient and the risk index when transferring to each transfer counterpart category according to the transfer transaction data of the customer category;

[0040] S4. When a first customer initiates a transfer transaction request, obtain the transfer counterpart and the transfer amount of the transfer transaction request;

[0041] S5, according to the transfer amount and the corresponding relationship between the transfer coefficient and the risk index when transferring to the transfer counterparty category to which the transfer counterparty belongs corresponding to the first customer, conduct risk control on the current transfer transaction of the first customer.

[0042] To explain the risk control method of the above transfer transaction more clearly, the following will be described in detail in combination with each step.

[0043] In S1, obtain the transfer transaction data of the bank within the specified range, and extract the transfer counterparty set according to the transfer transaction data;

[0044] In S2, refer to Figure 2 , classify the transfer counterparty set according to the transfer transaction data corresponding to the transfer counterparty. The specific method for obtaining multiple transfer counterparty categories is as follows:

[0045] S201, for each transfer counterparty, determine the number of transfer customers in the transfer customer set corresponding to the transfer transaction data of the transfer counterparty belonging to each customer category; determine the transfer customer vector of the transfer counterparty, where the components of the transfer customer vector correspond one-to-one with the customer categories, and the component value of each component is equal to the number of transfer customers in the transfer customer set corresponding to the transfer transaction data of the transfer counterparty belonging to the customer category corresponding to the component.

[0046] It should be noted that a transfer transaction data contains two entities, "transfer customer" and "transfer counterparty"; "transfer customer" refers to the customer corresponding to the transfer-out account corresponding to the transfer transaction data, and "transfer counterparty" refers to the recipient of the transfer; for example, when customer P shops at supermarket M, the transfer customer is customer P and the transfer counterparty is supermarket M; the "transfer transaction data corresponding to the transfer counterparty" mentioned in this step refers to all transfer transaction data with supermarket M as the transfer counterparty. There will be multiple transfer customers in these transfer transaction data, such as customers P, M, N, etc. For customers P, M, N, determine the number of them belonging to each customer category.

[0047] S202, for each transfer counterparty, determine the transaction data corresponding to the transfer counterparty, and determine the transaction vector of the transfer counterparty. The transaction vector corresponds one-to-one with the transaction category, and the component value of each component is equal to the number of transactions in the transaction category corresponding to the component in the transaction data corresponding to the transfer counterparty.

[0048] Among them, the transfer counterparty is also a customer for the bank. For example, when customer P goes shopping at supermarket M, supermarket M is the transfer counterparty. Similarly, supermarket M can also be a transfer customer and transfer money to other customers (with other customers as the transfer counterparty). In this regard, (S202) the transaction data corresponding to the transfer counterparty includes all transaction data of the transfer counterparty as a "transfer counterparty" or a "transfer customer", and the transaction data can include deposits, withdrawals, purchase of financial products, etc.

[0049] S203. Classify the set of transfer counterparties based on the transfer customer vector and the transaction vector to obtain multiple transfer counterparty categories.

[0050] In one embodiment, (S203) classify the set of transfer counterparties based on the transfer customer vector and the transaction vector to obtain multiple transfer counterparty categories, including:

[0051] Determine the customer distance function of the transfer counterparty based on the transfer customer vector, and determine the transaction distance function of the transfer counterparty based on the transaction vector;

[0052] Determine the distance function of the transfer counterparty based on the customer distance function and the transaction distance function of the transfer counterparty, where this distance function is used to determine the distance between any two transfer counterparties;

[0053] Select multiple transfer counterparties from the set of transfer counterparties as the transfer counterparty category centers, with each transfer counterparty category center corresponding to a transfer counterparty category. Initially, this transfer counterparty category only contains the corresponding transfer counterparty category center;

[0054] For each transfer counterparty and each transfer counterparty category center, loop through the following steps until the change value of each component of the transfer customer vector corresponding to all transfer counterparty category centers is less than the change threshold:

[0055] For each transfer counterparty, perform the following steps:

[0056] Based on the calculation of the distance function of the transfer counterparty, take the distance between each transfer counterparty category center and this transfer counterparty as the customer distance corresponding to this transfer counterparty category center;

[0057] Select multiple transfer counterparty category centers that are consistent with the customer category corresponding to this transfer counterparty;

[0058] Take the minimum value of the customer distances corresponding to the selected transfer counterparty category centers as the customer distance D1 corresponding to this transfer counterparty, and take the transfer counterparty category center corresponding to the customer distance equal to this minimum value as the transfer counterparty category center corresponding to this transfer counterparty; take the minimum value of the customer distances corresponding to the unselected transfer counterparty category centers as the customer distance D2 corresponding to this transfer counterparty;

[0059] If the distance D1 of the customer corresponding to the transfer counterparty is less than the distance D2 of the customer corresponding to the transfer counterparty, then classify the transfer counterparty into the transfer counterparty category corresponding to the transfer counterparty category center corresponding to the transfer counterparty; if the absolute value of the difference between the distance D2 of the customer corresponding to the transfer counterparty and the distance D1 of the customer corresponding to the transfer counterparty is less than the error threshold, then classify the transfer counterparty into the transfer counterparty category corresponding to the transfer counterparty category center corresponding to the transfer counterparty; otherwise, create a new transfer counterparty category center based on the transfer counterparty, and the newly created transfer counterparty category center corresponds to a new transfer counterparty category. Initially, the new transfer counterparty category only contains the transfer counterparty;

[0060] After performing the above steps on all transfer counterparties, for each transfer counterparty category center, perform the following steps:

[0061] Update the transfer customer vector corresponding to the transfer counterparty category center to the mean value of the transfer customer vectors corresponding to all transfer counterparties in the transfer counterparty category corresponding to the transfer counterparty category center; the customer category of the transfer counterparty category center remains unchanged.

[0062] In one embodiment, after determining the distance function of the transfer counterparty, K-means can be selected to classify the transfer counterparty set, or supervised clustering (such as learning vector quantization) can be selected with the customer category as the category label to classify the transfer counterparty set.

[0063] In S3, refer to Figure 3 , for each customer category, according to the transfer transaction data of the customer category, the specific method for determining the corresponding relationship between the transfer coefficient and the risk index when the customer category transfers to each transfer counterparty category is as follows:

[0064] S301, for each customer category, classify the transfer transaction data corresponding to the transfer counterparties belonging to each transfer counterparty category in the transfer transaction data of the customer category as the transfer transaction data corresponding to each transfer counterparty category;

[0065] S302, for each transfer counterparty category, determine a plurality of discrete values between 0 and 1, and use the plurality of discrete values as the transfer coefficient when the customer category transfers to the transfer counterparty category; for each transfer coefficient, select from the transfer transaction data corresponding to the transfer counterparty category the transfer transaction data whose corresponding transfer amount is equal to the product of the total resources of the corresponding transfer customer and the transfer coefficient, and use the proportion of the number of risky transfer transactions in the selected transfer transaction data as the risk index corresponding to the transfer coefficient when the customer category transfers to the transfer counterparty category;

[0066] In the actual application scenario, the total resources refer to the total deposit amount.

[0067] In S4, when the first customer initiates a transfer transaction request, obtain the transfer counterparty and transfer amount of the transfer transaction request;

[0068] In S5, refer to Figure 4 , according to the transfer amount and the corresponding relationship between the transfer coefficient and the risk indicator when transferring to the transfer counterparty category to which the transfer counterparty belongs based on the customer category corresponding to the first customer, the specific method for risk control of the current transfer transaction of the first customer is:

[0069] S501, according to the transfer amount, calculate the ratio of the transfer amount to the total resources of the first customer, and use this ratio as the transfer coefficient corresponding to the current transfer transaction of the first customer;

[0070] S502, according to the transfer coefficient corresponding to the current transfer transaction of the first customer and the corresponding relationship between the transfer coefficient and the risk indicator when transferring to the transfer counterparty category to which the transfer counterparty belongs based on the customer category corresponding to the first customer, determine the risk indicator corresponding to the current transfer transaction of the first customer;

[0071] S503, according to the risk indicator corresponding to the current transfer transaction of the first customer, perform risk control on the current transfer transaction of the first customer.

[0072] In one embodiment, (S503) performing risk control on the current transfer transaction of the first customer according to the risk indicator corresponding to the current transfer transaction of the first customer includes:

[0073] According to the transaction data stored in the bank database and the transaction threshold set by the first customer, set the risk indicator corresponding to the first customer, where when the transaction threshold is set to the transaction threshold set by the first customer, the proportion of the number of risk transactions in all transactions included in the transaction data stored in the bank database is used as the risk indicator corresponding to the first customer;

[0074] When the risk indicator corresponding to the current transfer transaction of the first customer is greater than the risk indicator corresponding to the first customer, perform risk control on the current transfer transaction of the first customer.

[0075] Further, refer to Figure 5 , further includes:

[0076] When a transfer counterparty does not belong to the extracted transfer counterparty set, determine the transfer counterparty category to which the transfer counterparty belongs according to the following method:

[0077] S01. Obtain the transfer transaction data corresponding to the transfer counterparty, and determine the transfer customer vector of the transfer counterparty. Among them, the components of the transfer customer vector correspond one by one to customer categories, and the component value of each component is equal to the number of transfer customers belonging to the customer category corresponding to this component in the transfer transaction data corresponding to the transfer counterparty; for the obtained transaction data corresponding to the transfer counterparty, determine the transaction vector of the transfer counterparty. The transaction vector corresponds one by one to transaction categories, and the component value of each component is equal to the number of transactions of the transaction category corresponding to this component in the transaction data corresponding to the transfer counterparty.

[0078] S02. Determine the partial order of the transfer counterparty set based on the transfer customer vector and the transaction vector. For any two transfer counterparties in the transfer counterparty set, this partial order is used to determine whether the first transfer counterparty among the two transfer counterparties is closer to the second transfer counterparty among the two transfer counterparties.

[0079] S03. Select the maximal transfer counterparties from the transfer counterparty set according to the partial order of the transfer counterparty set. Among them, the maximal transfer counterparty is the maximal element of this partial order.

[0080] S04. Determine the transfer counterparty category to which the transfer counterparty belongs based on the maximal transfer counterparty.

[0081] Among them, referring to S1, S1 is to analyze the transfer data of the bank within a specified range and extract the transfer counterparty set. In this regard, if the transfer data is not within the specified range, the transfer counterparty corresponding to the transfer data does not belong to the extracted transfer counterparty set. The above S01 - S04 are to analyze such a transfer counterparty set and determine the transfer counterparty category to which the transfer counterparty belongs.

[0082] In one embodiment, (S02) determining the partial order of the transfer counterparty set based on the transfer customer vector and the transaction vector includes:

[0083] For each transfer counterparty b in the transfer counterparty set, take the distance between the transfer customer vector of transfer counterparty a and the transfer customer vector of transfer counterparty b as the customer distance corresponding to this transfer counterparty b, and take the distance between the transaction vector corresponding to transfer counterparty a and the transaction vector corresponding to transfer counterparty b as the transaction distance corresponding to this transfer counterparty b;

[0084] For any two transfer counterparties in the transfer counterparty set, if the customer distance corresponding to the first transfer counterparty among the two transfer counterparties is less than or equal to the customer distance corresponding to the second transfer counterparty among the two transfer counterparties, and the transaction distance corresponding to the first transfer counterparty is less than or equal to the transaction distance corresponding to the second transfer counterparty, then determine that the first transfer counterparty is closer to the second transfer counterparty.

[0085] In one embodiment, (S03) selecting a maximal transfer counterparty from the set of transfer counterparties according to the partial order of the set of transfer counterparties, including:

[0086] S031, initializing the partial order maximum value corresponding to each transfer counterparty in the set of transfer counterparties to "to be determined", and initializing the partial order comparison value corresponding to each transfer counterparty to "yes";

[0087] S032, sorting the transfer counterparties in the set of transfer counterparties in ascending order according to the corresponding customer distance (or corresponding transaction distance);

[0088] S033, sequentially performing the following steps for each transfer counterparty c in the set of transfer counterparties in the sorting order:

[0089] S0331, if the partial order maximum value corresponding to the transfer counterparty c is not "to be determined", then continue to perform step S033 for the next transfer counterparty;

[0090] S0332, if the partial order maximum value corresponding to the transfer counterparty c is "to be determined", then sequentially compare the transfer counterparty d (except this transfer counterparty) with the partial order comparison value of "yes" with the transfer counterparty c according to the partial order of the set of transfer counterparties; if the transfer counterparty d is closer to the transfer counterparty c, then set the partial order maximum value corresponding to the transfer counterparty c to "no", and then continue to perform the above step S033 for the next transfer counterparty; if the transfer counterparty c is closer to the transfer counterparty d, then set the partial order maximum value corresponding to the transfer counterparty d to "no", and use the transfer counterparty d as the secondary transfer counterparty of the transfer counterparty c;

[0091] S0333, if it is confirmed that all transfer counterparties with the partial order comparison value of "yes" are not closer to the transfer counterparty c, then determine the transfer counterparty c as the maximal transfer counterparty in the set of transfer counterparties, and update the partial order comparison value of each secondary transfer counterparty of the maximal transfer counterparty to "no".

[0092] It should be noted that although the operations of the method of the present invention are described in a specific order in the above embodiments and the accompanying drawings, however, this does not require or imply that these operations must be performed in this specific order, or that all the operations shown must be performed to achieve the desired result. Additionally or alternatively, some steps may be omitted, multiple steps may be combined into one step for execution, and / or one step may be decomposed into multiple steps for execution.

[0093] After introducing the method of the exemplary embodiment of the present invention, next, refer to Figure 2 The risk control device for transfer transactions of the exemplary embodiment of the present invention is introduced.

[0094] For the implementation of the risk control device for transfer transactions, reference may be made to the implementation of the above method, and repeated parts will not be elaborated here. The terms "module" or "unit" used hereinafter may be a combination of software and / or hardware that implements a predetermined function. Although the devices described in the following embodiments are preferably implemented in software, implementation in hardware, or a combination of software and hardware is also possible and contemplated.

[0095] Based on the same inventive concept, the present invention also provides a risk control device for transfer transactions, as Figure 6 shown, the device includes:

[0096] A data acquisition module 610, configured to acquire transfer transaction data of a bank within a specified range, and extract a set of transfer counterparts according to the transfer transaction data;

[0097] A classification module 620, configured to classify the set of transfer counterparts according to the transfer transaction data corresponding to the transfer counterparts, and obtain multiple transfer counterpart categories;

[0098] A correspondence determination module 630, configured to, for each customer category, determine the correspondence between the transfer coefficient and the risk indicator when transferring to each transfer counterpart category according to the transfer transaction data of the customer category;

[0099] A transfer transaction acquisition module 640, configured to, when a first customer initiates a transfer transaction request, acquire the transfer counterpart and the transfer amount of the transfer transaction request;

[0100] A risk control module 650, configured to perform risk control on the current transfer transaction of the first customer according to the transfer amount and the correspondence between the transfer coefficient and the risk indicator when transferring to the transfer counterpart category to which the transfer counterpart belongs corresponding to the first customer.

[0101] In one embodiment, the classification module is specifically configured to:

[0102] For each transfer counterpart, determine the number of transfer customers in the transfer customer set corresponding to the transfer transaction data of the transfer counterpart belonging to each customer category; determine the transfer customer vector of the transfer counterpart, where the components of the transfer customer vector correspond one-to-one with the customer categories, and the component value of each component is equal to the number of transfer customers in the transfer customer set corresponding to the transfer transaction data of the transfer counterpart belonging to the customer category corresponding to the component;

[0103] For each transfer counterpart, determine the transaction data corresponding to the transfer counterpart, determine the transaction vector of the transfer counterpart, the transaction vector corresponds one-to-one with the transaction category, and the component value of each component is equal to the number of transactions in the transaction category corresponding to the component in the transaction data corresponding to the transfer counterpart;

[0104] Classify the set of transfer counterparts based on the transfer customer vector and the transaction vector to obtain multiple transfer counterpart categories.

[0105] In one embodiment, the correspondence determination module is specifically configured to:

[0106] For each customer category, classify the transfer counterparts corresponding to the transfer transaction data of this customer category into the transfer transaction data of each transfer counterpart category, and use them as the transfer transaction data corresponding to each transfer counterpart category respectively;

[0107] For each transfer counterpart category, determine multiple discrete values between 0 and 1, and use these multiple discrete values as the transfer coefficients when this customer category transfers to this transfer counterpart category; for each transfer coefficient, select from the transfer transaction data corresponding to the transfer counterpart category the transfer transaction data whose corresponding transfer amount is equal to the product of the total resources of the corresponding transfer customer and this transfer coefficient, and use the proportion of the number of risky transfer transactions in the selected transfer transaction data as the risk index corresponding to this transfer coefficient when this customer category transfers to this transfer counterpart category.

[0108] In one embodiment, the risk control module is specifically configured to:

[0109] Calculate the ratio of the transfer amount to the total resources of the first customer based on the transfer amount, and use this ratio as the transfer coefficient corresponding to the current transfer transaction of the first customer;

[0110] Determine the risk index corresponding to the current transfer transaction of the first customer based on the transfer coefficient corresponding to the current transfer transaction of the first customer and the correspondence between the transfer coefficient and the risk index when the customer category corresponding to the first customer transfers to the transfer counterpart category to which this transfer counterpart belongs;

[0111] Perform risk control on the current transfer transaction of the first customer based on the risk index corresponding to the current transfer transaction of the first customer.

[0112] In one embodiment, the risk control module is specifically configured to:

[0113] Set the risk index corresponding to the first customer based on the transaction data stored in the bank database and the transaction threshold set by the first customer, where the proportion of the number of risky transactions in all transactions included in the transaction data stored in the bank database when the transaction threshold is set to the transaction threshold set by the first customer is used as the risk index corresponding to the first customer;

[0114] When the risk index corresponding to the current transfer transaction of the first customer is greater than the risk index corresponding to the first customer, perform risk control on the current transfer transaction of the first customer.

[0115] In one embodiment, refer toFigure 7 , the device further includes: a transfer counterparty category processing module 660; wherein,

[0116] The transfer counterparty category processing module 660 is configured to, when a transfer counterparty does not belong to the extracted transfer counterparty set, determine the transfer counterparty category to which the transfer counterparty belongs according to the following method:

[0117] Obtain the transfer transaction data corresponding to the transfer counterparty, and determine the transfer customer vector of the transfer counterparty. Among them, the components of the transfer customer vector correspond one-to-one with customer categories, and the component value of each component is equal to the number of transfer customers corresponding to the transfer transaction data corresponding to the transfer counterparty who belong to the customer category corresponding to the component; for the obtained transaction data corresponding to the transfer counterparty, determine the transaction vector of the transfer counterparty. The transaction vector corresponds one-to-one with transaction categories, and the component value of each component is equal to the number of transactions of the transaction category corresponding to the component in the transaction data corresponding to the transfer counterparty.

[0118] According to the transfer customer vector and the transaction vector, determine the partial order of the transfer counterparty set. For any two transfer counterparties in the transfer counterparty set, this partial order is used to determine whether the first transfer counterparty among the two transfer counterparties is closer to the second transfer counterparty among the two transfer counterparties.

[0119] According to the partial order of the transfer counterparty set, select the maximal transfer counterparties from the transfer counterparty set. Among them, the maximal transfer counterparty is the maximal element of this partial order.

[0120] According to the maximal transfer counterparty, determine the transfer counterparty category to which the transfer counterparty belongs.

[0121] In an embodiment, the transfer counterparty category processing module is specifically configured to:

[0122] For each transfer counterparty b in the transfer counterparty set, take the distance between the transfer customer vector of transfer counterparty a and the transfer customer vector of transfer counterparty b as the customer distance corresponding to the transfer counterparty b, and take the distance between the transaction vector corresponding to transfer counterparty a and the transaction vector corresponding to transfer counterparty b as the transaction distance corresponding to the transfer counterparty b.

[0123] For any two transfer counterparties in the transfer counterparty set, if the customer distance corresponding to the first transfer counterparty among the two transfer counterparties is less than or equal to the customer distance corresponding to the second transfer counterparty among the two transfer counterparties, and the transaction distance corresponding to the first transfer counterparty is less than or equal to the transaction distance corresponding to the second transfer counterparty, then determine that the first transfer counterparty is closer to the second transfer counterparty.

[0124] It should be noted that although several modules of the risk control device for transfer transactions are mentioned in the above detailed description, this division is merely exemplary and not mandatory. In fact, according to the embodiments of the present invention, the features and functions of two or more of the above-described modules can be embodied in one module. Conversely, the features and functions of one module described above can be further divided and embodied by multiple modules.

[0125] Based on the foregoing inventive concept, as Figure 8 shown, the present invention further provides a computer device 800, including a memory 810, a processor 820, and a computer program 830 stored on the memory 810 and executable on the processor 820. When the processor 820 executes the computer program 830, the foregoing risk control method for transfer transactions is implemented.

[0126] Based on the foregoing inventive concept, the present invention provides a computer-readable storage medium storing a computer program, and when the computer program is executed by a processor, the foregoing risk control method for transfer transactions is implemented.

[0127] Based on the foregoing inventive concept, the present invention provides a computer program product including a computer program, and when the computer program is executed by a processor, the risk control method for transfer transactions is implemented.

[0128] The risk control method and device for transfer transactions proposed by the present invention obtain transfer transaction data of a bank within a specified range, and extract a set of transfer counterparts according to the transfer transaction data; classify the set of transfer counterparts based on the transfer transaction data corresponding to the transfer counterparts to obtain multiple transfer counterpart categories; for each customer category, determine the corresponding relationship between the transfer coefficient and the risk index when transferring to each transfer counterpart category according to the transfer transaction data of the customer category; when a first customer initiates a transfer transaction request, obtain the transfer counterpart and the transfer amount of the transfer transaction request; based on the transfer amount and the corresponding relationship between the transfer coefficient and the risk index when transferring from the customer category corresponding to the first customer to the transfer counterpart category to which the transfer counterpart belongs, perform risk control on the current transfer transaction of the first customer. The overall solution can determine the corresponding relationship between the transfer coefficient and the risk index when transferring from each customer category to each transfer counterpart category by analyzing the transfer transaction data, thereby effectively controlling the risk of transfer transactions initiated by customers, reducing the risk of transfer, and protecting the safety of customer funds.

[0129] Those skilled in the art should understand that the embodiments of the present invention can be provided as a method, an apparatus, or a computer program product. Therefore, the present invention can take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware aspects. Moreover, the present invention can take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk memory, CD-ROM, optical memory, etc.) that contain computer-usable program code.

[0130] The present invention is described with reference to the flowcharts and / or block diagrams of methods and computer program products according to embodiments of the present invention. It should be understood that each flow and / or block in the flowchart and / or block diagram, and the combination of flows and / or blocks in the flowchart and / or block diagram, can be realized by computer program instructions. These computer program instructions can be provided to the processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing devices to generate a machine, such that the instructions executed by the processor of the computer or other programmable data processing devices generate a device for realizing the functions specified in Figure 1 one flow or multiple flows and / or blocks Figure 1 one block or multiple blocks.

[0131] These computer program instructions can also be stored in a computer-readable memory that can direct a computer or other programmable data processing device to work in a specific manner, such that the instructions stored in the computer-readable memory generate a manufactured article including an instruction device that realizes the functions specified in Figure 1 one flow or multiple flows and / or blocks Figure 1 one block or multiple blocks.

[0132] These computer program instructions can also be loaded onto a computer or other programmable data processing device, such that a series of operation steps are executed on the computer or other programmable device to generate a computer-implemented process, and thus the instructions executed on the computer or other programmable device provide steps for realizing the functions specified in Figure 1 one flow or multiple flows and / or blocks Figure 1 one block or multiple blocks.

[0133] Finally, it should be noted that the above-described embodiments are only specific embodiments of the present invention, used to illustrate the technical solutions of the present invention, rather than limiting it. The protection scope of the present invention is not limited thereto. Although the present invention has been described in detail with reference to the foregoing embodiments, those of ordinary skill in the art should understand that any person skilled in the art within the technical scope disclosed by the present invention can still modify the technical solutions recorded in the foregoing embodiments, or can easily think of changes, or perform equivalent replacements on some of the technical features; and these modifications, changes or replacements do not make the essence of the corresponding technical solutions deviate from the spirit and scope of the technical solutions of the embodiments of the present invention, and should all be covered within the protection scope of the present invention. Therefore, the protection scope of the present invention should be subject to the protection scope of the claims.

Claims

1. A risk control method for transfer transactions, characterized in that, it includes: Obtain transfer transaction data of the bank within a specified range, and extract a set of transfer counterparts based on the transfer transaction data; Classify the set of transfer counterparts according to the transfer transaction data corresponding to the transfer counterparts to obtain multiple transfer counterpart categories; For each customer category, determine the corresponding relationship between the transfer coefficient and the risk indicator when transferring to each transfer counterpart category based on the transfer transaction data of the customer category; When a first customer initiates a transfer transaction request, obtain the transfer counterpart and the transfer amount of the transfer transaction request; Based on the transfer amount and the corresponding relationship between the transfer coefficient and the risk indicator when transferring from the customer category corresponding to the first customer to the transfer counterpart category to which the transfer counterpart belongs, perform risk control on the current transfer transaction of the first customer; Among them, for each customer category, determining the corresponding relationship between the transfer coefficient and the risk indicator when transferring to each transfer counterpart category based on the transfer transaction data of the customer category includes: For each customer category, classify the transfer transaction data corresponding to the transfer counterparts in the transfer transaction data of the customer category into the transfer transaction data corresponding to each transfer counterpart category respectively; For each transfer counterpart category, determine a plurality of discrete values between 0 and 1, and use the plurality of discrete values as the transfer coefficient when transferring from the customer category to the transfer counterpart category; for each transfer coefficient, select from the transfer transaction data corresponding to the transfer counterpart category the transfer transaction data whose corresponding transfer amount is equal to the product of the total resources of the corresponding transfer customer and the transfer coefficient, and use the proportion of the number of risky transfer transactions in the selected transfer transaction data as the risk indicator corresponding to the transfer coefficient when transferring from the customer category to the transfer counterpart category; Among them, the transfer counterpart refers to the recipient of the transfer.

2. The method according to claim 1, characterized in that, Classifying the set of transfer counterparts according to the transfer transaction data corresponding to the transfer counterparts to obtain multiple transfer counterpart categories includes: For each transfer counterpart, determine the number of transfer customers in the transfer customer set corresponding to the transfer transaction data of the transfer counterpart belonging to each customer category; determine the transfer customer vector of the transfer counterpart, where the components of the transfer customer vector correspond one-to-one with the customer categories, and the component value of each component is equal to the number of transfer customers in the transfer customer set corresponding to the transfer transaction data of the transfer counterpart belonging to the customer category corresponding to the component; For each transfer counterpart, determine the transaction data corresponding to the transfer counterpart, and determine the transaction vector of the transfer counterpart. The transaction vector corresponds one-to-one with the transaction category, and the component value of each component is equal to the number of transactions of the transaction category corresponding to the component in the transaction data corresponding to the transfer counterpart; Classify the set of transfer counterparts according to the transfer customer vector and the transaction vector to obtain multiple transfer counterpart categories.

3. The method according to claim 1, characterized in that, According to the corresponding relationship between the transfer coefficient and the risk index when transferring funds to the transfer counterparty category to which the transfer counterparty belongs based on the transfer amount and the customer category corresponding to the first customer, risk control is performed on the current transfer transaction of the first customer, including: Calculate the ratio of the transfer amount to the total resources of the first customer based on the transfer amount, and use this ratio as the transfer coefficient corresponding to the current transfer transaction of the first customer; Determine the risk index corresponding to the current transfer transaction of the first customer based on the transfer coefficient corresponding to the current transfer transaction of the first customer and the corresponding relationship between the transfer coefficient and the risk index when transferring funds from the customer category corresponding to the first customer to the transfer counterparty category to which the transfer counterparty belongs; Perform risk control on the current transfer transaction of the first customer based on the risk index corresponding to the current transfer transaction of the first customer.

4. The method according to claim 3, characterized in that, Performing risk control on the current transfer transaction of the first customer based on the risk index corresponding to the current transfer transaction of the first customer, including: Set the risk index corresponding to the first customer according to the transaction data stored in the bank database and the transaction threshold set by the first customer, where the proportion of the number of risk transactions in all transactions included in the transaction data stored in the bank database when the transaction threshold is set to the transaction threshold set by the first customer is used as the risk index corresponding to the first customer; When the risk index corresponding to the current transfer transaction of the first customer is greater than the risk index corresponding to the first customer, perform risk control on the current transfer transaction of the first customer.

5. The method according to claim 2, characterized in that, further comprising: When a transfer counterparty does not belong to the extracted transfer counterparty set, determine the transfer counterparty category to which the transfer counterparty belongs according to the following method: Obtain the transfer transaction data corresponding to the transfer counterparty, and determine the transfer customer vector of the transfer counterparty, where the components of the transfer customer vector correspond one-to-one to the customer categories, and the component value of each component is equal to the number of transfer customers belonging to the customer category corresponding to the component in the transfer transaction data corresponding to the transfer counterparty; for the obtained transaction data corresponding to the transfer counterparty, determine the transaction vector of the transfer counterparty, and the transaction vector corresponds one-to-one to the transaction categories, and the component value of each component is equal to the number of transactions of the transaction category corresponding to the component in the transaction data corresponding to the transfer counterparty; Determine the partial order of the transfer counterparty set based on the transfer customer vector and the transaction vector, and for any two transfer counterparties in the transfer counterparty set, this partial order is used to determine whether the first transfer counterparty among the two transfer counterparties is closer to the second transfer counterparty among the two transfer counterparties; Select the maximal transfer counterparties from the transfer counterparty set based on the partial order of the transfer counterparty set, where the maximal transfer counterparties are the maximal elements of this partial order; Determine the transfer counterparty category to which the transfer counterparty belongs based on the maximal transfer counterparties.

6. The method according to claim 5, characterized in that, Determining the partial order of the transfer counterparty set based on the transfer customer vector and the transaction vector, including: For each transfer counterparty b in the set of transfer counterparties, use the distance between the transfer customer vector of transfer counterparty a and the transfer customer vector of transfer counterparty b as the customer distance corresponding to transfer counterparty b, and use the distance between the transaction vector corresponding to transfer counterparty a and the transaction vector corresponding to transfer counterparty b as the transaction distance corresponding to transfer counterparty b; For any two transfer counterparties in the set of transfer counterparties, if the customer distance corresponding to the first transfer counterparty of the two transfer counterparties is less than or equal to the customer distance corresponding to the second transfer counterparty of the two transfer counterparties, and the transaction distance corresponding to the first transfer counterparty is less than or equal to the transaction distance corresponding to the second transfer counterparty, then determine that the first transfer counterparty is closer to the second transfer counterparty.

7. A risk control device for transfer transactions, Characterized in that, Comprising: A data acquisition module, configured to acquire transfer transaction data of a bank within a specified range, and extract a set of transfer counterparties according to the transfer transaction data; A classification module, configured to classify the set of transfer counterparties according to the transfer transaction data corresponding to the transfer counterparties, and obtain multiple transfer counterparty categories; A correspondence determination module, configured to, for each customer category, determine the correspondence between the transfer coefficient and the risk index when transferring from this customer category to each transfer counterparty category according to the transfer transaction data of this customer category; A transfer transaction acquisition module, configured to, when a first customer initiates a transfer transaction request, acquire the transfer counterparty and the transfer amount of this transfer transaction request; A risk control module, configured to perform risk control on the current transfer transaction of the first customer according to the transfer amount and the correspondence between the transfer coefficient and the risk index when transferring from the customer category corresponding to the first customer to the transfer counterparty category to which this transfer counterparty belongs; Among them, the correspondence determination module is specifically configured to: For each customer category, use the transfer transaction data corresponding to the transfer counterparties belonging to each transfer counterparty category in the transfer transaction data of this customer category as the transfer transaction data corresponding to each transfer counterparty category respectively; For each transfer counterparty category, determine a plurality of discrete values between 0 and 1, and use the plurality of discrete values as the transfer coefficients when transferring from this customer category to this transfer counterparty category; for each transfer coefficient, select from the transfer transaction data corresponding to the transfer counterparty category the transfer transaction data whose corresponding transfer amount is equal to the product of the total resources of the corresponding transfer customer and this transfer coefficient, and use the proportion of the number of risky transfer transactions in the selected transfer transaction data as the risk index corresponding to this transfer coefficient when transferring from this customer category to this transfer counterparty category; Among them, the transfer counterparty refers to the recipient of the transfer.

8. The device according to claim 7, Characterized in that, The classification module is specifically configured to: For each transfer counterparty, determine the number of transfer customers corresponding to the transfer transaction data of this transfer counterparty belonging to each customer category; determine the transfer customer vector of this transfer counterparty, where the components of the transfer customer vector correspond one-to-one with the customer categories, and the component value of each component is equal to the number of transfer customers corresponding to the transfer transaction data of this transfer counterparty belonging to the customer category corresponding to this component; For each transfer counterparty, determine the transaction data corresponding to the transfer counterparty, and determine the transaction vector of the transfer counterparty. The transaction vector corresponds one-to-one with the transaction category, and the component value of each component is equal to the number of transactions of the transaction category corresponding to the component in the transaction data corresponding to the transfer counterparty. Classify the transfer counterparty set based on the transfer customer vector and the transaction vector to obtain multiple transfer counterparty categories.

9. The apparatus according to claim 7, wherein, the risk control module is specifically configured to: calculate, according to the transfer amount, a ratio of the transfer amount to the total resources of the first customer, and use the ratio as a transfer coefficient corresponding to the current transfer transaction of the first customer; determine a risk indicator corresponding to the current transfer transaction of the first customer according to the transfer coefficient corresponding to the current transfer transaction of the first customer and the corresponding relationship between the transfer coefficient and the risk indicator when transferring to the transfer counterparty category to which the transfer counterparty belongs corresponding to the first customer; perform risk control on the current transfer transaction of the first customer according to the risk indicator corresponding to the current transfer transaction of the first customer.

10. The apparatus according to claim 9, wherein, the risk control module is specifically configured to: set a risk indicator corresponding to the first customer according to the transaction data stored in the bank database and the transaction threshold set by the first customer, wherein, when the transaction threshold is set to the transaction threshold set by the first customer, the proportion of the number of risk transactions in all transactions included in the transaction data stored in the bank database is used as the risk indicator corresponding to the first customer; when the risk indicator corresponding to the current transfer transaction of the first customer is greater than the risk indicator corresponding to the first customer, perform risk control on the current transfer transaction of the first customer.

11. The apparatus according to claim 8, wherein, further comprising: a transfer counterparty category processing module, wherein the transfer counterparty category processing module is configured to, when a transfer counterparty does not belong to the extracted transfer counterparty set, determine the transfer counterparty category to which the transfer counterparty belongs according to the following method: obtain the transfer transaction data corresponding to the transfer counterparty, and determine the transfer customer vector of the transfer counterparty. The components of the transfer customer vector correspond one-to-one with the customer categories, and the component value of each component is equal to the number of transfer customers corresponding to the transfer transaction data corresponding to the transfer counterparty who belong to the customer category corresponding to the component; obtain the transaction data corresponding to the transfer counterparty, and determine the transaction vector of the transfer counterparty. The transaction vector corresponds one-to-one with the transaction category, and the component value of each component is equal to the number of transactions of the transaction category corresponding to the component in the transaction data corresponding to the transfer counterparty; determine a partial order of the transfer counterparty set according to the transfer customer vector and the transaction vector. For any two transfer counterparties in the transfer counterparty set, the partial order is used to determine whether the first transfer counterparty among the two transfer counterparties is closer to the second transfer counterparty among the two transfer counterparties; select a maximal transfer counterparty from the transfer counterparty set according to the partial order of the transfer counterparty set, wherein the maximal transfer counterparty is a maximal element of the partial order; determine the transfer counterparty category to which the transfer counterparty belongs according to the maximal transfer counterparty.

12. The device according to claim 11, wherein, the transfer counterparty category processing module is specifically configured to: for each transfer counterparty b in the transfer counterparty set, take the distance between the transfer customer vector of transfer counterparty a and the transfer customer vector of transfer counterparty b as the customer distance corresponding to this transfer counterparty b, and take the distance between the transaction vector corresponding to transfer counterparty a and the transaction vector corresponding to transfer counterparty b as the transaction distance corresponding to this transfer counterparty b; for any two transfer counterparties in the transfer counterparty set, if the customer distance corresponding to the first transfer counterparty of the two transfer counterparties is less than or equal to the customer distance corresponding to the second transfer counterparty of the two transfer counterparties, and the transaction distance corresponding to the first transfer counterparty is less than or equal to the transaction distance corresponding to the second transfer counterparty, then determine that the first transfer counterparty is closer to the second transfer counterparty.

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

14. 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 according to any one of claims 1 to 6 is implemented.

15. A computer program product, wherein, the computer program product includes 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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