Transaction access review methods, devices, equipment, media and program products

Abstract

The present disclosure provides a transaction access review method, which relates to the field of computer technology and can be applied to the financial field or other fields. The transaction access review method includes: obtaining a transaction request; conducting a basic element review based on the transaction request; when the basic element review fails, conducting a basic element review on the target customer to determine a first access factor, and the target customer includes the customer who initiated the transaction request; conducting an account status review on the target customer; when the account status review fails, conducting a first physiological characteristic review on the target customer to determine a second access factor; judging whether the transaction access review is passed based on the first access factor and the second access factor. The present disclosure also provides a transaction access review device, an electronic device, a storage medium, and a program product.

Description

Technical Field

[0001] The present disclosure relates to the field of computer technology and can be applied to the financial field or other fields. The present disclosure specifically relates to a transaction access review method, device, electronic device, storage medium and program product. Background Art

[0002] Currently, customers need to go through multiple stages of transaction access review when conducting transactions. If one of the stages fails the review, the transaction will be rejected.

[0003] However, in actual situations, customer information may be incorrect due to various omissions. For example, when a customer's account name contains rare characters, it is easy to cause registration errors. It is undoubtedly undesirable that a certain link fails the review due to these reasons. Therefore, how to provide a more effective transaction access review method has become a technical problem that needs to be solved urgently. Summary of the invention

[0004] In view of the above problems, the present disclosure provides a transaction access review method, device, electronic device, storage medium and program product.

[0005] According to a first aspect of the present disclosure, a transaction access review method is provided, which includes:

[0006] Get transaction request;

[0007] Conduct basic element review based on the transaction request;

[0008] When the basic element review fails, a basic element review is conducted on the target customer to determine a first admission factor, wherein the target customer includes the customer who initiated the transaction request;

[0009] Conducting account status review on the target customers;

[0010] When the account status audit fails, performing a first physiological characteristic audit on the target customer to determine a second admission factor;

[0011] Whether the transaction access review is passed is determined based on the first access factor and the second access factor.

[0012] In an embodiment of the present disclosure, when the basic element review fails, a basic element review is performed on the target customer to determine the first admission factor, including:

[0013] Obtain all accounts under the name of the target customer;

[0014] Reviewing the basic elements according to each basic element associated with all the accounts and the basic elements associated with the target customer;

[0015] When the basic elements fail to pass the review, obtaining the completeness of the basic elements of the target customer in the preset database;

[0016] The first access factor is determined according to the completeness of the basic elements.

[0017] In an embodiment of the present disclosure, the first physiological characteristic review includes a first voiceprint recognition; when the account status review fails, the first physiological characteristic review is performed on the target customer to determine the second admission factor, including:

[0018] Initiating a session with the target customer according to a first preset strategy;

[0019] During the conversation, performing the first voiceprint recognition on the target customer;

[0020] When the first voiceprint recognition fails, obtaining all active accounts in a preset organization;

[0021] The second access factor is determined according to a first proportion of all active accounts in the preset institution.

[0022] In an embodiment of the present disclosure, the transaction access review method further includes:

[0023] Conduct fraudulent transaction review based on the transaction request to determine the third admission factor;

[0024] The determining, based on the first access factor and the second access factor, whether the transaction access review is passed includes:

[0025] Whether the transaction access review is passed is determined based on the first access factor, the second access factor and the third access factor.

[0026] In an embodiment of the present disclosure, the process of conducting fraudulent transaction review according to the transaction request to determine the third admission factor includes:

[0027] Acquire the account used by the target customer when initiating the transaction request to obtain a first account;

[0028] Performing a first impersonation identification on the first account;

[0029] When the first impersonation identification fails, obtaining all accounts under the target customer's name;

[0030] Performing a second impersonation identification based on each of all accounts;

[0031] When the second fraudulent identification fails, obtaining all non-fraudulent accounts in the preset institution;

[0032] The third admission factor is determined according to the second proportion of all non-impersonation accounts in the preset institution.

[0033] In an embodiment of the present disclosure, the transaction access review method further includes:

[0034] identifying the type of transaction medium according to the transaction request;

[0035] When the type of the transaction medium includes a preset type, performing a second physiological characteristic review on the target customer to determine a fourth access factor;

[0036] The determining whether the transaction access review is passed according to the first access factor, the second access factor and the third access factor includes:

[0037] Whether the transaction access review is passed is determined based on the first access factor, the second access factor, the third access factor and the fourth access factor.

[0038] In an embodiment of the present disclosure, when the transaction medium includes a pure magnetic stripe bank card, determining that the type of the transaction medium includes a preset type; when the type of the transaction medium includes the preset type, performing a second physiological feature review on the target customer to determine a fourth access factor includes:

[0039] Initiating a session with the target customer according to a second preset strategy;

[0040] During the conversation, performing the second voiceprint recognition on the target customer;

[0041] When the second voiceprint recognition fails, obtaining all pure magnetic stripe bank cards in the preset institution;

[0042] The fourth access factor is determined according to the third proportion of all pure magnetic stripe bank cards in the preset institution.

[0043] In an embodiment of the present disclosure, judging whether the transaction access review is passed according to the first access factor, the second access factor, the third access factor and the fourth access factor includes:

[0044] Acquire a risk event that matches at least one of the first admission factor, the second admission factor, the third admission factor, and the fourth admission factor;

[0045] According to the acquired risk event occurrence trend, adjusting a corresponding one of the first access factor, the second access factor, the third access factor, and the fourth access factor;

[0046] Based on the adjustment results, determine whether the transaction access review has passed.

[0047] In an embodiment of the present disclosure, the transaction access review method further includes:

[0048] When it is determined that the transaction access review has passed, the portion of the target customer's data related to the transaction access review is corrected.

[0049] A second aspect of the present disclosure provides a transaction access review device, comprising:

[0050] A first acquisition module, used to acquire a transaction request;

[0051] A first review module, used for reviewing basic elements according to the transaction request;

[0052] A first admission factor determination module, configured to, when the basic factor review fails, conduct a basic factor review on the target customer to determine a first admission factor, wherein the target customer includes the customer who initiated the transaction request;

[0053] A second review module is used to review the account status of the target customer;

[0054] A second admission factor determination module, configured to, when the account status audit fails, conduct a first physiological characteristic audit on the target customer to determine a second admission factor;

[0055] The processing module is used to determine whether the transaction access review is passed according to the first access factor and the second access factor.

[0056] The third aspect of the present disclosure provides an electronic device, comprising: one or more processors; a memory for storing one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors execute the above-mentioned transaction access review method.

[0057] The fourth aspect of the present disclosure also provides a computer-readable storage medium having executable instructions stored thereon, which, when executed by a processor, causes the processor to execute the above-mentioned transaction access review method.

[0058] The fifth aspect of the present disclosure also provides a computer program product, including a computer program, which implements the above-mentioned transaction access review method when executed by a processor.

[0059] One or more of the above embodiments have the following advantages or beneficial effects:

[0060] In the embodiment of the present disclosure, the transaction access review process at least includes the above-mentioned basic element review and account status review and other review links. Compared with the traditional technical solution that rejects the transaction when any review link fails, the transaction access review method of the embodiment of the present disclosure can generate the first access factor and the second access factor according to the review results of each link when any link fails to pass the review, and then comprehensively judge whether the transaction access review is passed according to the first access factor and the second access factor, so that the transaction access review no longer adopts a "one-size-fits-all" review method, greatly reducing the probability of the transaction being rejected and improving the effectiveness of the transaction access review. In addition, when conducting the account status review, the second access factor can be generated by initiating the first physiological feature review to the target customer, so that the second access factor has a higher reliability. Therefore, even if the target customer's account status is inactive, there is a chance that the transaction request will pass the transaction access review. At this time, the target customer does not need to go to the counter, which greatly improves the transaction efficiency. BRIEF DESCRIPTION OF THE DRAWINGS

[0061] The above contents and other objects, features and advantages of the present disclosure will become more apparent through the following description of the embodiments of the present disclosure with reference to the accompanying drawings, in which:

[0062] Figure 1 A diagram schematically shows an application scenario of a transaction access review method, device, electronic device, storage medium, and program product according to an embodiment of the present disclosure;

[0063] Figure 2 A flowchart of a transaction access review method according to an embodiment of the present disclosure is schematically shown;

[0064] Figure 3 A flowchart for determining a first admission factor according to an embodiment of the present disclosure is schematically shown;

[0065] Figure 4 Schematically shows a flow chart of determining a second admission factor according to an embodiment of the present disclosure;

[0066] Figure 5 Schematically shows a flow chart of determining a third admission factor according to an embodiment of the present disclosure;

[0067] Figure 6 Schematically shows a flow chart of determining a fourth admission factor according to an embodiment of the present disclosure;

[0068] Figure 7 A flowchart schematically illustrates a method of determining whether a transaction access review is passed based on a first access factor, a second access factor, a third access factor, and a fourth access factor according to an embodiment of the present disclosure;

[0069] Figure 8 The structure block diagram of the transaction access review device according to the embodiment of the present disclosure is schematically shown;

[0070] Fig. 9 A block diagram of an electronic device suitable for implementing a transaction access review method according to an embodiment of the present disclosure is schematically shown. DETAILED DESCRIPTION

[0071] Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. However, it should be understood that these descriptions are exemplary only and are not intended to limit the scope of the present disclosure. In the following detailed description, for ease of explanation, many specific details are set forth to provide a comprehensive understanding of the embodiments of the present disclosure. However, it is apparent that one or more embodiments may also be implemented without these specific details. In addition, in the following description, descriptions of known structures and technologies are omitted to avoid unnecessary confusion of the concepts of the present disclosure.

[0072] The terms used herein are only for describing specific embodiments and are not intended to limit the present disclosure. The terms "comprise", "include", etc. used herein indicate the existence of the features, steps, operations and / or components, but do not exclude the existence or addition of one or more other features, steps, operations or components.

[0073] All terms (including technical and scientific terms) used herein have the meanings commonly understood by those skilled in the art, unless otherwise defined. It should be noted that the terms used herein should be interpreted as having a meaning consistent with the context of this specification, and should not be interpreted in an idealized or overly rigid manner.

[0074] When using expressions such as "at least one of A, B, and C, etc.", they should generally be interpreted according to the meaning of the expression commonly understood by those skilled in the art (for example, "a system having at least one of A, B, and C" should include but is not limited to a system having A alone, B alone, C alone, A and B, A and C, B and C, and / or A, B, C, etc.).

[0075] It should be noted that the transaction access review method and its device, electronic device, storage medium and program product provided by the present disclosure relate to the field of computer technology. The transaction access review method and its device, electronic device, storage medium and program product provided by the embodiments of the present disclosure can be applied to the financial field or any field other than the financial field. For example, the transaction access review method and its device, electronic device, storage medium and program product provided by the embodiments of the present disclosure can be applied to the transaction access review business in the financial field. The present disclosure does not limit the application field of the transaction access review method and its device, electronic device, storage medium and program product.

[0076] In the technical solution of the present disclosure, the collection, storage, use, processing, transmission, provision, disclosure and application of user personal information involved comply with the provisions of relevant laws and regulations, take necessary confidentiality measures, and do not violate public order and good morals.

[0077] In view of this, an embodiment of the present disclosure provides a transaction access review method, which includes: obtaining a transaction request; performing a basic element review based on the transaction request; when the basic element review fails, conducting a basic element review on the target customer to determine a first access factor, the target customer includes the customer who initiates the transaction request; conducting an account status review on the target customer; when the account status review fails, conducting a first physiological characteristic review on the target customer to determine a second access factor; judging whether the transaction access review is passed based on the first access factor and the second access factor.

[0078] In the embodiment of the present disclosure, the transaction access review process at least includes the above-mentioned basic element review and account status review and other review links. Compared with the traditional technical solution that rejects the transaction when any review link fails, the transaction access review method of the embodiment of the present disclosure can generate the first access factor and the second access factor according to the review results of each link when any link fails to pass the review, and then comprehensively judge whether the transaction access review is passed according to the first access factor and the second access factor, so that the transaction access review no longer adopts a "one-size-fits-all" review method, greatly reducing the probability of the transaction being rejected and improving the effectiveness of the transaction access review. In addition, when conducting the account status review, the second access factor can be generated by initiating the first physiological feature review to the target customer, so that the second access factor has a higher reliability. Therefore, even if the target customer's account status is inactive, there is a chance that the transaction request will pass the transaction access review. At this time, the target customer does not need to go to the counter, which greatly improves the transaction efficiency.

[0079] Figure 1 The application scenario diagram of the transaction access review method, device, electronic device, storage medium and program product according to the embodiment of the present disclosure is schematically shown.

[0080] like Figure 1 As shown, the application scenario 100 according to this embodiment may include terminal devices 101, 102, 103, a network 104 and a server 105. The network 104 is used to provide a medium for a communication link between the terminal devices 101, 102, 103 and the server 105. The network 104 may include various connection types, such as wired, wireless communication links or optical fiber cables, etc.

[0081] Users can use terminal devices 101, 102, 103 to interact with server 105 through network 104 to receive or send messages, etc. Various communication client applications can be installed on terminal devices 101, 102, 103, such as shopping applications, web browser applications, search applications, instant messaging tools, email clients, social platform software, etc. (only examples).

[0082] The terminal devices 101 , 102 , and 103 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop computers, and desktop computers.

[0083] The server 105 may be a server that provides various services, such as a background management server (only an example) that provides support for websites browsed by users using the terminal devices 101, 102, and 103. The background management server may analyze and process the received data such as user requests, and feed back the processing results (such as web pages, information, or data obtained or generated according to user requests) to the terminal device.

[0084] It should be noted that the transaction access review method provided in the embodiment of the present disclosure can generally be executed by the server 105. Accordingly, the transaction access review device provided in the embodiment of the present disclosure can generally be set in the server 105. The transaction access review method provided in the embodiment of the present disclosure can also be executed by a server or server cluster that is different from the server 105 and can communicate with the terminal devices 101, 102, 103 and / or the server 105. Accordingly, the transaction access review device provided in the embodiment of the present disclosure can also be set in a server or server cluster that is different from the server 105 and can communicate with the terminal devices 101, 102, 103 and / or the server 105.

[0085] It should be understood that Figure 1 The number of terminal devices, networks and servers in the embodiment is only for illustration. Any number of terminal devices, networks and servers may be provided according to implementation requirements.

[0086] The following will be based on Figure 1 The scene described by Figure 2 to Figure 7 The transaction access review method of the disclosed embodiment is described in detail.

[0087] Figure 2 The flowchart of the transaction access review method according to the embodiment of the present disclosure is schematically shown. Figure 2 As shown, the transaction access review of this embodiment includes steps S210 to S260.

[0088] It should be noted that although Figure 2The steps in the figure are shown in sequence as indicated by the arrows, but the steps are not necessarily executed in sequence in the order indicated by the arrows. Unless otherwise specified herein, there is no strict order restriction on the execution of the steps, and they can be executed in other orders. Moreover, at least some of the steps in the figure may include multiple sub-steps or multiple stages, and these sub-steps or stages are not necessarily executed at the same time, but can be executed at different times, and their execution order is not necessarily sequential, but can be executed in turn or alternately with other steps or at least a part of the sub-steps or stages of other steps.

[0089] In step S210, a transaction request is obtained.

[0090] In the embodiment of the present disclosure, a transaction request may include a request issued by a customer to implement a certain transaction behavior, and the transaction behavior may include, for example, deposits, withdrawals, and transfers.

[0091] In step S220, basic elements are reviewed according to the transaction request;

[0092] In step S230, when the basic element review fails, the basic element review is performed on the target customer to determine the first admission factor, and the target customer includes the customer who initiated the transaction request.

[0093] In the disclosed embodiment, the basic elements may include ten elements, including gender, occupation, country and region, certificate type, certificate number, name, certificate validity expiration date, contact number, contact address, and industry, to define whether the customer information is complete. Among them, certificate type, certificate number, and name are more important, referred to as the three elements. When conducting a basic element review, the three elements associated with the account used by the customer when initiating a transaction request can be obtained from the bank card system, and the three elements of the target customer can be obtained from the customer system. By comparing the three elements, it is determined whether the basic element review has passed.

[0094] In the disclosed embodiment, when the basic element review is passed, the first access factor can also be assigned to the transaction. At this time, a first preset value can be used as the first access factor. For example, the first preset value can be set to "1". When the basic element review is not passed, the basic elements of all accounts under the target customer's name can be obtained, and then the basic elements are reviewed to generate the first access factor. For example, after the basic element review, it is found that some basic elements in the customer system are incorrect, but most of the basic elements are correct. The first access factor can be made larger to increase the possibility of passing the transaction access review. On the contrary, the first access factor can be made smaller to reduce the possibility of passing the transaction access review. Optionally, the first access factor generated according to the review result can be set to [0,1). It can be understood that "all accounts" here should refer to the accounts under the target customer's name except the account used by the customer when initiating the transaction request.

[0095] In step S240, the account status of the target customer is reviewed.

[0096] In step S250, when the account status audit fails, a first physiological characteristic audit is performed on the target customer to determine a second admission factor.

[0097] In the disclosed embodiment, the target customer's account status may include an inactive status (e.g., a long-term inactive account) or an active status (e.g., a non-long-term inactive account). In the traditional solution, when an account has not been moved for a long time, in order to protect the customer's funds, the account can be marked as a long-term inactive account, and the long-term inactive account marking indicates that the account status is inactive. When the target customer's account status is inactive, the transaction will be directly rejected, and in the traditional solution, the customer needs to go to the counter for verification to remove the inactive status, and then the transaction can be allowed, and the transaction access review efficiency is low.

[0098] In the disclosed embodiment, it is possible to determine whether the account status is in an inactive state by detecting the mark of a long-term inactive account. When the account status is in an inactive state, it can be determined that the account status meets the preset conditions to trigger the first physiological feature review, otherwise it is determined that the account status does not meet the preset conditions. Optionally, the first physiological feature review may include facial review and / or voiceprint recognition, etc. The first physiological feature review has a high reliability. When the first physiological feature review is passed, the second access factor can be made larger to increase the possibility of passing the transaction access review. For example, a second preset value can be used as the second access factor, and the second preset value can be "1". When the first physiological feature review is not passed, the second access factor can be generated according to regional characteristics. For example, if there are a large number of active accounts in the current region, it means that the number of inactive accounts in the region is a minority. At this time, the second access factor can be made larger to increase the possibility of passing the transaction access review. On the contrary, the second access factor is made smaller to reduce the possibility of passing the transaction access review. Optionally, the second access factor generated according to regional characteristics can be set to [0,1).

[0099] Optionally, when the target customer's account status is in an active state, that is, when the account status does not meet the preset condition, the second preset value may be used as the second admission factor.

[0100] In step S260, whether the transaction access review is passed is determined based on the first access factor and the second access factor.

[0101] In the disclosed embodiment, the first admission factor and the second admission factor may be summed, and the summed result may be compared with a preset value to determine whether the transaction access review is passed. For example, when the sum of the first admission factor and the second admission factor is close to the preset value, it may be determined that the transaction access review is passed.

[0102] Optionally, the preset value may include the sum of the first preset value and the second preset value. For example, when the first preset value and the second preset value are 1, the first access factor generated according to the basic element review result is set to [0,1), and the second access factor generated according to the regional characteristics is set to [0,1), the preset value can be set to 2. When the sum of the first access factor and the second access factor is close to "2" (for example, exceeding a value less than "2", which can be determined according to actual needs, such as 1.5), it can be determined that the transaction access review has passed.

[0103] In the embodiment of the present disclosure, the transaction access review process at least includes the above-mentioned basic element review and account status review and other review links. Compared with the traditional technical solution that rejects the transaction when any review link fails, the transaction access review method of the embodiment of the present disclosure can generate the first access factor and the second access factor according to the review results of each link when any link fails to pass the review, and then comprehensively judge whether the transaction access review is passed according to the first access factor and the second access factor, so that the transaction access review no longer adopts a "one-size-fits-all" review method, greatly reducing the probability of the transaction being rejected and improving the effectiveness of the transaction access review. In addition, when conducting the account status review, the second access factor can be generated by initiating the first physiological feature review to the target customer, so that the second access factor has a higher reliability. Therefore, even if the target customer's account status is inactive, there is a chance that the transaction request will pass the transaction access review. At this time, the target customer does not need to go to the counter, which greatly improves the transaction efficiency.

[0104] Combine the following Figures 2 to 7 The transaction access review method of the embodiment of the present disclosure is further explained.

[0105] Figure 3 A flowchart for determining a first admission factor according to an embodiment of the present disclosure is schematically shown. Figure 3 As shown, in some specific embodiments, step S230 includes steps S231 to S234.

[0106] In step S231, all accounts under the target customer are obtained.

[0107] In step S232, basic elements are reviewed according to each basic element associated with all accounts and the basic elements associated with the target customer.

[0108] In the disclosed embodiment, all accounts under the target customer's name can be obtained from the customer system, and then, through the bank card system, the three elements associated with each account can be obtained to obtain the basic elements of each association in all accounts. After that, the three elements associated with the target customer are extracted from the customer system to obtain the basic elements associated with the target customer. Then, with the account as the dimension, the three elements in the two systems are compared in descending time order. When the three elements in the two systems are consistent, it is determined that the basic element review has passed. When the three elements in the two systems are inconsistent, it is determined that the basic element review has not passed.

[0109] In step S233, when the basic elements review fails, the completeness of the basic elements of the target customer in the preset database is obtained.

[0110] In the embodiment of the present disclosure, when the basic elements are reviewed and passed, a first preset value can be used as the first admission factor. The preset database can include the above-mentioned customer system. Optionally, the ratio of the basic elements that the target customer has completed in the customer system to all the basic elements of the target customer (such as the ten elements mentioned above) can be obtained to obtain the degree of completeness of the basic elements.

[0111] In step S234, a first admission factor is determined according to the completeness of the basic elements.

[0112] In the disclosed embodiment, in the customer system, when the ratio of the basic elements that the target customer has already completed to all the basic elements of the target customer is high, it means that some basic elements in the customer system are incorrect, but most of the basic elements are correct. At this time, the first access factor can be made larger to increase the possibility of passing the transaction access review; on the contrary, it means that most of the basic elements in the customer system are incorrect. At this time, the first access factor is made smaller to reduce the possibility of passing the transaction access review.

[0113] Figure 4 A flowchart for determining a second admission factor according to an embodiment of the present disclosure is schematically shown. Figure 4 As shown, in some specific embodiments, the first physiological characteristic audit includes first voiceprint recognition. Step S250 includes steps S251 to S254.

[0114] In step S251, a session is initiated to a target client according to a first preset strategy.

[0115] In the disclosed embodiment, the backend can automatically dial the trusted communication tool reserved by the customer, such as a mobile phone, and design a specific script based on the time, location, consumption amount, and other characteristics of the transaction to obtain the customer's voiceprint.

[0116] In step S252, during the conversation, a first voiceprint recognition is performed on the target customer.

[0117] In the embodiment of the present disclosure, the first voiceprint recognition can be performed by voiceprint comparison.

[0118] For example, when the target customer visits the counter before, the target customer's voice can be collected by recording equipment, and after endpoint detection, noise elimination and feature extraction, the customer's voiceprint is registered in the voiceprint model. In step S252, the voice collected during the conversation can also be subjected to endpoint detection, noise elimination, feature extraction, and searched and compared through the voiceprint model to perform the first voiceprint recognition.

[0119] Specifically, each voice has a unique feature, through which the voices of different people can be effectively distinguished. This unique feature is mainly determined by two factors. The first is the size of the vocal cavity, including the throat, nasal cavity and oral cavity. The shape, size and position of these organs determine the size of the vocal cord tension and the range of sound frequency. Therefore, although different people say the same words, the frequency distribution of the sound is different, and some sound low and some sound loud. Everyone's vocal cavity is different, just like a fingerprint, and everyone's voice has unique characteristics. The second factor that determines the sound characteristics is the way the vocal organs are manipulated. The vocal organs include lips, teeth, tongue, soft palate and palatal muscles, etc., and the interaction between them will produce clear speech. And the way they collaborate is randomly learned by people through communication with people around them. Therefore, in theory, voiceprints are like fingerprints, and it is rare for two people to have the same voiceprint characteristics.

[0120] In the disclosed embodiment, the speech recognition system for performing the first voiceprint recognition includes modules such as feature extraction, acoustic model, language model, search algorithm, etc. The speech recognition system is essentially a multi-dimensional pattern recognition system. For different speech recognition systems, people use different specific recognition methods and technologies, but the basic principles are the same, that is, the collected speech signal is sent to the feature extraction module for processing, the obtained speech feature parameters are sent to the model library module, and the sound pattern matching module recognizes the speech segment according to the model library, and finally obtains the recognition result.

[0121] The basic process of speech recognition system includes preprocessing, feature extraction, acoustic model and other modules; the preprocessing module filters out the secondary information and background noise in the original speech signal, including anti-aliasing filtering, pre-emphasis, analog / digital conversion, automatic gain control and other processing processes to digitize the speech signal; the feature extraction module analyzes the acoustic parameters of the speech and extracts the speech feature parameters to form a feature vector sequence. Common feature parameters of speech recognition system include short-time average amplitude, short-time average energy, linear prediction coding coefficient, short-time spectrum, etc. Feature extraction and selection are the key to building the system and are extremely important to the recognition effect.

[0122] Since speech signals are essentially non-stationary signals, the current analysis of speech signals is based on the assumption of short-term stability. After making the assumption of short-term stability for speech signals, feature extraction on short-term speech segments is achieved by windowing the speech signals. These short-term segments are called frames, and feature sequences in frames constitute the input of the speech recognition system. Since Mel-frequency cepstral coefficients and perceptual linear prediction coefficients can accurately characterize speech signals from the perspective of human hearing characteristics, they have become the mainstream speech features. In order to compensate for the assumption of independence between frames, people usually add their first-order and second-order differences when using Mel-frequency cepstral coefficients and perceptual linear prediction coefficients to introduce dynamic characteristics of signal features.

[0123] The acoustic model is one of the most important parts of the speech recognition system. Acoustic modeling involves many aspects such as modeling unit selection, model state clustering, and model parameter estimation. In the current LVCSR system, context-related models are generally used as basic modeling units to characterize the co-articulation phenomenon of continuous speech. After considering the influence of context, the number of acoustic models increases dramatically. The LVCSR system usually uses state clustering to compress the number of acoustic parameters to simplify the training of the model. During the training process, the system preprocesses several training speech, obtains feature vector sequences through feature extraction, and then establishes a reference pattern library for the training speech by the feature modeling module.

[0124] Search is the process of finding the optimal word sequence in a specified space according to certain optimization criteria. The essence of search is problem solving, which is widely used in various fields of artificial intelligence and pattern recognition such as speech recognition and machine translation. It uses the knowledge already mastered (acoustic knowledge, phonetic knowledge, dictionary knowledge, language model knowledge, etc.) to find the optimal state sequence in the state space (words, acoustic models, HMM states from high to low levels). The final word sequence is an optimal description of the input speech signal under certain criteria. In the recognition stage, the feature vector parameters of the input speech are compared with the patterns in the reference template library obtained by training by similarity measurement, and the category to which the pattern with the highest similarity belongs is output as the intermediate candidate result of recognition. In order to improve the accuracy of recognition, the candidate recognition results obtained above are further processed in the post-processing module, including fusing higher-level language models through Lattice re-scoring, and obtaining the reliability of the recognition results through confidence measurement. Finally, more reliable recognition results are obtained by adding constraints.

[0125] In step S253, when the first voiceprint recognition fails, all active accounts in the preset organization are obtained.

[0126] As mentioned above, when the first voiceprint recognition fails, a second access factor can be generated based on regional characteristics. Taking the banking industry as an example, the second preset database may include a database storing account status in a branch.

[0127] In step S254, a second admission factor is determined based on a first proportion of all active accounts in a preset institution.

[0128] In the embodiment of the present disclosure, the first ratio may refer to the ratio between the accounts in an active state and all the accounts of a preset institution.

[0129] For example, when the first ratio is high, it means that there are more active accounts, in which case the second access factor can be made larger to increase the possibility of passing the transaction access review. When the first ratio is low, it means that there are fewer active accounts, in which case the second access factor can be made lower to reduce the possibility of passing the transaction access review.

[0130] In the disclosed embodiment, when conducting an account status review, the first voiceprint recognition is more convenient and more secure than traditional methods such as counter authentication and SMS authentication.

[0131] Figure 5 A flowchart for determining the third admission factor according to an embodiment of the present disclosure is schematically shown. Figure 5 As shown, in some specific embodiments, the transaction access review method also includes step S310.

[0132] In step S310, a fraudulent transaction review is performed according to the transaction request to determine the third admission factor.

[0133] In some specific embodiments, step S310 includes steps S311 to S316.

[0134] In step S311, the account used by the target customer when initiating the transaction request is obtained to obtain a first account.

[0135] In step S312, a first fraudulent identification is performed on the first account to determine whether the target customer has used the account to conduct fraudulent transactions. If so, it is determined that the first account fraudulent identification has failed; otherwise, it is determined that the first account fraudulent identification has passed.

[0136] In step S313, when the first fraudulent identification fails, all accounts under the target customer's name are obtained. It can be understood that "all accounts" here should refer to accounts under the target customer's name except the first account. When the first fraudulent identification passes, a third preset value can be used as the third admission factor, for example, the third preset value can be set to "1".

[0137] In step S314, a second impersonation identification is performed based on each of all the accounts.

[0138] In step S315, when the second fraudulent identification fails, all non-fraudulent accounts in the preset organization are obtained.

[0139] In the disclosed embodiment, the first impersonation identification can be performed on each of all accounts in descending order of time to perform the second impersonation identification, so as to determine whether the target customer has used at least one account under his name to conduct an impersonation transaction. When the first impersonation identification of at least one account fails, it is determined that the second impersonation identification fails. Otherwise, it is determined that the second impersonation identification passes, and at this time, the third preset value can be used as the third admission factor.

[0140] In step S316, a third admission factor is determined based on the second proportion of all non-impersonation accounts in the preset institution.

[0141] In the embodiment of the present disclosure, the second proportion may refer to the ratio of non-impersonated accounts to all accounts of the preset institution.

[0142] Exemplarily, when the second proportion is high, it means that there are more non-impersonated accounts and fewer impersonated transactions. In this case, the third access factor can be made larger to increase the possibility of passing the transaction access review. When the second proportion is low, it means that there are fewer non-impersonated accounts and more impersonated transactions. In this case, the third access factor can be made lower to reduce the possibility of passing the transaction access review. Optionally, the third access factor generated according to the second proportion can be set to [0,1).

[0143] In some specific embodiments, step S260 includes step S261.

[0144] In step S261, whether the transaction access review is passed is determined based on the first access factor, the second access factor and the third access factor.

[0145] In the embodiment of the present disclosure, the first admission factor, the second admission factor and the third admission factor may be summed, and when the sum of the three is close to a preset value, it is determined that the transaction admission review has passed.

[0146] Optionally, the preset value may include the sum of the first preset value, the second preset value and the third preset value. For example, when the first preset value, the second preset value and the third preset value are all 1, the first access factor generated according to the basic element review result is set to [0,1), the second access factor generated according to the regional characteristics is set to [0,1), and the third access factor generated according to the second proportion is set to [0,1), the preset value may be set to 3. When the sum of the first access factor, the second access factor and the third access factor is close to "3", it can be determined that the transaction access review has passed.

[0147] Figure 6 A flowchart for determining a fourth admission factor according to an embodiment of the present disclosure is schematically shown. Figure 6 As shown, in some specific embodiments, the transaction access review method also includes steps S410 to S420.

[0148] In step S410, the type of transaction medium is identified according to the transaction request.

[0149] In step S420, when the type of transaction medium includes a preset type, a second physiological characteristic review is performed on the target customer to determine a fourth access factor.

[0150] In the embodiment of the present disclosure, the transaction medium may include a bank card, and the type may include a chip bank card or a magnetic stripe bank card, etc.

[0151] The transaction media issued by banks in the early days were usually pure magnetic stripe bank cards, which had low security. To prevent fraudulent use, in traditional solutions, when an over-limit consumption request was monitored, a text message would be sent and the customer would be required to reply to the text message to confirm that the transaction was indeed initiated by him / her. Customers who use pure magnetic stripe bank cards are generally older and have difficulty in operating the text message content, making them less user-friendly.

[0152] In view of this, in some specific embodiments, when the transaction medium includes a pure magnetic stripe bank card, determining the type of the transaction medium includes a preset type to trigger a second physiological feature review. Optionally, the second physiological feature review may include voiceprint recognition via a phone call, which is easier to operate and more convenient than SMS operations.

[0153] When the transaction medium does not include a pure magnetic stripe bank card, it is determined that the type of the transaction medium does not include a preset type. At this time, a fourth access factor can also be generated for the transaction request. At this time, the fourth access factor can be a fourth preset value. For example, the fourth preset value can be set to "1".

[0154] In some specific embodiments, step S420 includes steps S421 to S424.

[0155] In step S421, a session is initiated to the target client according to the second preset strategy.

[0156] In step S422, during the conversation, a second voiceprint recognition is performed on the target customer.

[0157] In the embodiment of the present disclosure, the second preset strategy may be the same as the first preset strategy in the aforementioned embodiment, and the second voiceprint recognition method may also be the same as the first voiceprint recognition method in the aforementioned embodiment, so they will not be repeated here.

[0158] In step S423, when the second voiceprint recognition fails, all pure magnetic stripe bank cards in the preset institution are obtained.

[0159] In step S424, a fourth access factor is determined according to the third proportion of all pure magnetic stripe bank cards in the preset institution.

[0160] In the embodiment of the present disclosure, the third ratio may refer to the ratio of all pure magnetic stripe bank cards to all bank cards of a preset institution.

[0161] Exemplarily, when the third ratio is high, it means that there are more non-pure magnetic stripe bank cards and fewer pure magnetic stripe bank cards. At this time, the fourth access factor can be made larger to increase the possibility of passing the transaction access review. When the third ratio is low, it means that there are fewer non-pure magnetic stripe bank cards and more pure magnetic stripe bank cards. At this time, the fourth access factor can be made lower to reduce the possibility of passing the transaction access review. Optionally, the fourth access factor generated according to the third ratio can be set to [0,1).

[0162] In some specific embodiments, step S261 includes step S2611.

[0163] In step S2611, whether the transaction access review is passed is determined based on the first access factor, the second access factor, the third access factor and the fourth access factor.

[0164] In the embodiment of the present disclosure, the first admission factor, the second admission factor and the third admission factor may be summed, and when the sum of the three is close to a preset value, it is determined that the transaction admission review has passed.

[0165] Optionally, the preset value may include the sum of the first preset value, the second preset value, the third preset value and the fourth preset value. For example, when the first preset value, the second preset value, the third preset value and the fourth preset value are all 1, the first access factor generated according to the basic element review result is set to [0,1), the second access factor generated according to the regional characteristics is set to [0,1), the third access factor generated according to the second proportion is set to [0,1), and the fourth access factor generated according to the third proportion is set to [0,1), the preset value may be set to 4. When the sum of the first access factor, the second access factor, the third access factor and the fourth access factor is close to "4", it can be determined that the transaction access review has passed.

[0166] In some specific embodiments, when the sum of the first access factor, the second access factor, the third access factor and the fourth access factor is close to a preset value, it is also possible to further determine whether the transaction access review is passed in combination with the local risk event trend.

[0167] Figure 7A flowchart of determining whether a transaction access review is passed according to the first access factor, the second access factor, the third access factor, and the fourth access factor according to an embodiment of the present disclosure is schematically shown. Figure 7 As shown, in some specific embodiments, step S2611 includes steps S26111 to S26113.

[0168] In step S26111, a risk event matching at least one of the first admission factor, the second admission factor, the third admission factor, and the fourth admission factor is obtained.

[0169] In the embodiment of the present disclosure, as described above, in each audit link, when the audit is passed, the first admission factor, the second admission factor, the third admission factor, and the fourth admission factor are all preset fixed values, that is, "1". When the audit of a certain link fails, the corresponding admission factor takes the value of [0,1). Therefore, one of the first admission factor, the second admission factor, the third admission factor, and the fourth admission factor with a value of [0,1) can be extracted, and the risk event matching the one can be obtained.

[0170] In step S26112, according to the acquired risk event occurrence trend, a corresponding one of the first admission factor, the second admission factor, the third admission factor and the fourth admission factor is adjusted.

[0171] For example, assuming that the second access factor before adjustment is a, and the risk of fraud incidents under a certain name in the past three months has increased by 10% compared with the same period last year, then a*(1+10%) is used to obtain the value b as the adjusted second access factor.

[0172] In step S26113, determine whether the transaction access review has passed based on the adjustment result.

[0173] For example, the first access factor, the second access factor, the third access factor and the fourth access factor before adjustment are added to obtain value A, and the first access factor, the second access factor, the third access factor and the fourth access factor after adjustment are added to obtain value B. When A is greater than B, it is determined that the transaction access review is passed; when A is less than or equal to B, it is determined that the transaction access review is failed.

[0174] For example, when one of the first access factor, the second access factor, the third access factor and the fourth access factor with a value of [0,1) is the second access factor (assuming the value is a), the risk event that matches it is the impersonation fraud risk event. As mentioned above, when the impersonation fraud risk events in a certain region in the past three months increased by 10% compared with the same period last year, the second access factor is adjusted to obtain b. Since b is greater than a, A is less than B, so it is determined that the transaction access review has not passed.

[0175] In this way, during the transaction access review process, when a certain review link fails and the risk events corresponding to that link have an increasing trend, it can be determined that the transaction access review has failed, so that the transaction access review standards can adapt to the real-time status of the region and improve risk resistance.

[0176] In some specific embodiments, the transaction access review method further includes step S510.

[0177] In step S510, when it is determined that the transaction access review has passed, the portion of the target customer's data related to the transaction access review is modified.

[0178] In the disclosed embodiment, when it is determined that the transaction access review has passed, the data repair process is entered. For example, the incomplete basic elements in the customer system are updated, the fraudulent transaction review pass flag is assigned, the immobile account flag is removed, and the transaction medium type review pass flag is assigned to the pure magnetic stripe bank card, etc., so that the next transaction review can be quickly passed, saving verification time. At the same time, it can also make the customer no longer need to go to the counter to handle data correction and other work, thereby improving convenience.

[0179] Based on the above transaction access review method, the present disclosure also provides a transaction access review device. Figure 8 The device is described in detail.

[0180] Figure 8 The structural block diagram of the transaction access review device according to the embodiment of the present disclosure is schematically shown.

[0181] like Figure 8 As shown, the transaction access review device 800 of this embodiment includes a first acquisition module 810 , a first review module 820 , a first access factor determination module 830 , a second review module 840 , a second access factor determination module 850 and a processing module 860 .

[0182] The first acquisition module 810 is used to acquire a transaction request. In one embodiment, the first acquisition module 810 can be used to execute the step S210 described above, which will not be described in detail here.

[0183] The first review module 820 is used to review the basic elements according to the transaction request. In one embodiment, the first review module 820 can be used to execute the step S220 described above, which will not be described in detail here.

[0184] The first admission factor determination module 830 is used to perform a basic factor review on the target customer to determine the first admission factor when the basic factor review fails, and the target customer includes the customer who initiated the transaction request. In one embodiment, the first admission factor determination module 830 can be used to execute the step S230 described above, which will not be repeated here.

[0185] The second audit module 840 is used to audit the account status of the target customer. In one embodiment, the second audit module 840 can be used to execute the step S240 described above, which will not be described in detail here.

[0186] The second access factor determination module 850 is used to perform a first physiological characteristic audit on the target customer to determine the second access factor when the account status audit fails. In one embodiment, the second access factor determination module 850 can be used to execute step S250 described above, which will not be repeated here.

[0187] The processing module 860 is used to determine whether the transaction access review is passed according to the first access factor and the second access factor. In one embodiment, the processing module 860 can be used to execute the step S260 described above, which will not be repeated here.

[0188] In the embodiment of the present disclosure, the transaction access review process at least includes the above-mentioned basic element review and multiple review links such as account status review. Compared with the traditional technical solution that rejects the transaction when any review link fails, the transaction access review device of the embodiment of the present disclosure can generate the first access factor and the second access factor according to the review results of each link when any link fails to pass the review, and then comprehensively judge whether the transaction access review is passed according to the first access factor and the second access factor, so that the transaction access review no longer adopts a "one-size-fits-all" review method, greatly reducing the probability of the transaction being rejected and improving the effectiveness of the transaction access review. In addition, when conducting the account status review, the second access factor can be generated by initiating the first physiological feature review to the target customer, so that the second access factor has a higher reliability. Therefore, even if the target customer's account status is inactive, there is a chance that the transaction request will pass the transaction access review. At this time, the target customer does not need to go to the counter, which greatly improves the transaction efficiency.

[0189] According to an embodiment of the present disclosure, any multiple modules among the first acquisition module 810, the first audit module 820, the first admission factor determination module 830, the second audit module 840, the second admission factor determination module 850 and the processing module 860 can be combined into one module for implementation, or any one of the modules can be split into multiple modules. Alternatively, at least part of the functions of one or more of these modules can be combined with at least part of the functions of other modules and implemented in one module. According to an embodiment of the present disclosure, at least one of the first acquisition module 810, the first audit module 820, the first admission factor determination module 830, the second audit module 840, the second admission factor determination module 850 and the processing module 860 can be at least partially implemented as a hardware circuit, such as a field programmable gate array (FPGA), a programmable logic array (PLA), a system on a chip, a system on a substrate, a system on a package, an application specific integrated circuit (ASIC), or can be implemented by hardware or firmware such as any other reasonable way of integrating or packaging the circuit, or implemented in any one of the three implementation methods of software, hardware and firmware or in a proper combination of any of them. Alternatively, at least one of the first acquisition module 810, the first review module 820, the first admission factor determination module 830, the second review module 840, the second admission factor determination module 850 and the processing module 860 can be at least partially implemented as a computer program module, which can perform corresponding functions when the computer program module is executed.

[0190] In some specific embodiments, the first admission factor determination module 830 is specifically configured to perform the following steps:

[0191] Get all accounts under the target customer's name.

[0192] Review the basic elements based on each basic element associated with all accounts and the basic elements associated with target customers.

[0193] When the basic elements review fails, obtain the completeness of the basic elements of the target customer in the preset database.

[0194] Determine the first entry factor based on the completeness of the basic elements.

[0195] In some specific embodiments, the second admission factor determination module 850 is specifically configured to perform the following steps:

[0196] According to the first preset strategy, a session is initiated to the target customer.

[0197] During the conversation, the first voiceprint recognition is performed on the target customer.

[0198] When the first voiceprint recognition fails, all active accounts in the preset organization are obtained.

[0199] The second admission factor is determined based on the first proportion of all active accounts in the preset institution.

[0200] In some specific embodiments, the transaction access review device further includes a third access factor determination module, and the third access factor determination module is used to perform the following steps:

[0201] Based on the transaction request, conduct fraudulent transaction review to determine the third access factor.

[0202] The processing module 860 is specifically configured to perform the following steps:

[0203] Based on the first access factor, the second access factor and the third access factor, determine whether the transaction access review is passed.

[0204] In some specific embodiments, the third admission factor determination module is specifically used to perform the following steps:

[0205] The account used by the target customer to initiate a transaction request is obtained to obtain the first account.

[0206] Perform the first impersonation identification on the target customer.

[0207] When the first account impersonation identification fails, all accounts under the target customer's name are obtained.

[0208] A second impersonation identification is performed based on each of all accounts.

[0209] When the second fraudulent identification fails, all non-fraudulent accounts in the preset organization are obtained.

[0210] The third admission factor is determined based on the second proportion of all non-impersonation accounts in the preset institution.

[0211] In some specific embodiments, the transaction access review device further includes a fourth access factor determination module, and the fourth access factor determination module is used to perform the following steps:

[0212] Based on the transaction request, the type of transaction medium is identified.

[0213] When the type of transaction medium includes a preset type, a second physiological characteristic review is performed on the target customer to determine a fourth access factor.

[0214] The processing module 860 is specifically configured to perform the following steps:

[0215] Based on the first access factor, the second access factor, the third access factor and the fourth access factor, it is determined whether the transaction access review is passed.

[0216] In some specific embodiments, when the transaction medium includes a pure magnetic stripe bank card, determining the type of the transaction medium includes a preset type. The fourth admission factor determination module is specifically configured to perform the following steps:

[0217] According to the second preset strategy, initiate a conversation with the target customer

[0218] During the conversation, a second voiceprint recognition is performed on the target customer.

[0219] When the second voiceprint recognition fails, all pure magnetic stripe bank cards in the preset institution are obtained.

[0220] The fourth admission factor is determined based on the third proportion of all pure magnetic stripe bank cards in the preset institutions.

[0221] In some specific embodiments, the processing module 860 is specifically configured to perform the following steps:

[0222] A risk event matching at least one of the first access factor, the second access factor, the third access factor, and the fourth access factor is obtained.

[0223] According to the obtained trend of occurrence of risk events, a corresponding one of the first access factor, the second access factor, the third access factor and the fourth access factor is adjusted.

[0224] Based on the adjustment results, determine whether the transaction access review has passed.

[0225] In some specific embodiments, the transaction access review device further includes a data repair module, which is used to perform the following steps:

[0226] When it is determined that the transaction access review has passed, the part of the target customer's data related to the transaction access review is corrected.

[0227] In the disclosed embodiment, when it is determined that the transaction access review has passed, the data repair process is entered. For example, the incomplete basic elements in the customer system are updated, the fraudulent transaction review pass flag is assigned, the immobile account flag is removed, and the transaction medium type review pass flag is assigned to the pure magnetic stripe bank card, etc., so that the next transaction review can be quickly passed, saving verification time. At the same time, it can also make the customer no longer need to go to the counter to handle data correction and other work, thereby improving convenience.

[0228] Fig. 9 A block diagram of an electronic device suitable for implementing a transaction access review method according to an embodiment of the present disclosure is schematically shown.

[0229] like Fig. 9As shown, the electronic device 900 according to an embodiment of the present disclosure includes a processor 901, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 902 or a program loaded from a storage part 908 into a random access memory (RAM) 903. The processor 901 may include, for example, a general-purpose microprocessor (e.g., a CPU), an instruction set processor and / or a related chipset and / or a special-purpose microprocessor (e.g., an application-specific integrated circuit (ASIC)), etc. The processor 901 may also include an onboard memory for caching purposes. The processor 901 may include a single processing unit or multiple processing units for performing different actions of the method flow according to an embodiment of the present disclosure.

[0230] In RAM 903, various programs and data required for the operation of electronic device 900 are stored. Processor 901, ROM 902 and RAM 903 are connected to each other via bus 904. Processor 901 performs various operations of the method flow according to the embodiment of the present disclosure by executing the program in ROM 902 and / or RAM 903. It should be noted that the program can also be stored in one or more memories other than ROM 902 and RAM 903. Processor 901 can also perform various operations of the method flow according to the embodiment of the present disclosure by executing the program stored in the one or more memories.

[0231] According to an embodiment of the present disclosure, the electronic device 900 may further include an input / output (I / O) interface 905, which is also connected to the bus 904. The electronic device 900 may further include one or more of the following components connected to the I / O interface 905: an input portion 906 including a keyboard, a mouse, etc.; an output portion 907 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage portion 908 including a hard disk, etc.; and a communication portion 909 including a network interface card such as a LAN card, a modem, etc. The communication portion 909 performs communication processing via a network such as the Internet. A drive 910 is also connected to the I / O interface 905 as needed. A removable medium 911, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 910 as needed, so that a computer program read therefrom is installed into the storage portion 908 as needed.

[0232] The present disclosure also provides a computer-readable storage medium, which may be included in the device / apparatus / system described in the above embodiments; or may exist independently without being assembled into the device / apparatus / system. The above computer-readable storage medium carries one or more programs, and when the above one or more programs are executed, the transaction access review method according to the embodiment of the present disclosure is implemented.

[0233] According to an embodiment of the present disclosure, a computer-readable storage medium may be a non-volatile computer-readable storage medium, for example, may include but is not limited to: a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination thereof. In the present disclosure, a computer-readable storage medium may be any tangible medium containing or storing a program, which may be used by or in combination with an instruction execution system, an apparatus, or a device. For example, according to an embodiment of the present disclosure, a computer-readable storage medium may include the ROM 902 and / or RAM 903 described above and / or one or more memories other than ROM 902 and RAM 903.

[0234] The embodiment of the present disclosure also includes a computer program product, which includes a computer program, and the computer program contains program code for executing the method shown in the flowchart. When the computer program product is run in a computer system, the program code is used to enable the computer system to implement the transaction access review method provided by the embodiment of the present disclosure.

[0235] The above functions defined in the system / device of the embodiment of the present disclosure are performed when the computer program is executed by the processor 901. According to the embodiment of the present disclosure, the system, device, module, unit, etc. described above can be implemented by a computer program module.

[0236] In one embodiment, the computer program may be based on a tangible storage medium such as an optical storage device, a magnetic storage device, etc. In another embodiment, the computer program may also be transmitted and distributed in the form of a signal on a network medium, and downloaded and installed through the communication part 909, and / or installed from a removable medium 911. The program code contained in the computer program may be transmitted using any appropriate network medium, including but not limited to: wireless, wired, etc., or any suitable combination of the above.

[0237] In such an embodiment, the computer program can be downloaded and installed from the network through the communication part 909, and / or installed from the removable medium 911. When the computer program is executed by the processor 901, the above functions defined in the system of the embodiment of the present disclosure are performed. According to the embodiment of the present disclosure, the system, device, means, module, unit, etc. described above can be implemented by a computer program module.

[0238] According to an embodiment of the present disclosure, the program code for executing the computer program provided by the embodiment of the present disclosure can be written in any combination of one or more programming languages. Specifically, these computing programs can be implemented using high-level process and / or object-oriented programming languages, and / or assembly / machine languages. Programming languages ​​include, but are not limited to, Java, C++, python, "C" language or similar programming languages. The program code can be executed entirely on the user computing device, partially on the user device, partially on the remote computing device, or entirely on the remote computing device or server. In the case of a remote computing device, the remote computing device can be connected to the user computing device through any type of network, including a local area network (LAN) or a wide area network (WAN), or can be connected to an external computing device (for example, using an Internet service provider to connect through the Internet).

[0239] The flow charts and block diagrams in the accompanying drawings illustrate the possible architecture, functions and operations of the systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each box in the flow chart or block diagram can represent a module, a program segment, or a part of a code, and the above-mentioned module, program segment, or a part of a code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in a different order from the order marked in the accompanying drawings. For example, two boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram or flow chart, and the combination of the boxes in the block diagram or flow chart can be implemented with a dedicated hardware-based system that performs a specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0240] It will be appreciated by those skilled in the art that the features described in the various embodiments and / or claims of the present disclosure may be combined and / or combined in a variety of ways, even if such combinations and / or combinations are not explicitly described in the present disclosure. In particular, the features described in the various embodiments and / or claims of the present disclosure may be combined and / or combined in a variety of ways without departing from the spirit and teachings of the present disclosure. All of these combinations and / or combinations fall within the scope of the present disclosure.

[0241] The embodiments of the present disclosure are described above. However, these embodiments are only for illustrative purposes and are not intended to limit the scope of the present disclosure. Although the embodiments are described above separately, this does not mean that the measures in the various embodiments cannot be used in combination to advantage. The scope of the present disclosure is defined by the attached claims and their equivalents. Without departing from the scope of the present disclosure, those skilled in the art may make a variety of substitutions and modifications, which should all fall within the scope of the present disclosure.

Claims

1. A transaction access review method, characterized in that: include: Get transaction request; Conduct basic element review based on the transaction request; When the basic element review fails, a basic element review is conducted on the target customer to determine a first admission factor, wherein the target customer includes the customer who initiated the transaction request; Conducting account status review on the target customers; When the account status audit fails, performing a first physiological characteristic audit on the target customer to determine a second admission factor; According to the first access factor and the second access factor, judging whether the transaction access review is passed, Wherein, when the basic elements audit fails, the basic elements of the target customer are reviewed to determine the first admission factor, including: Obtain all accounts under the name of the target customer; Reviewing the basic elements according to each basic element associated with all the accounts and the basic elements associated with the target customer; When the basic elements fail to pass the review, obtaining the completeness of the basic elements of the target customer in the preset database; Determining the first access factor according to the completeness of the basic elements, And wherein, the first physiological characteristic audit includes a first voiceprint recognition; when the account status audit fails, the first physiological characteristic audit of the target customer is performed to determine a second access factor, including: Initiating a session with the target customer according to a first preset strategy; During the conversation, performing the first voiceprint recognition on the target customer; When the first voiceprint recognition fails, obtaining all active accounts in a preset organization; Determining the second access factor according to the first proportion of all active accounts in the preset institution, And wherein, judging whether the transaction access review is passed according to the first access factor and the second access factor includes: The first access factor and the second access factor are summed, and the sum result is compared with a preset value to determine whether the transaction access review is passed.

2. The transaction access review method according to claim 1, characterized in that: The transaction access review method further includes: Conduct fraudulent transaction review based on the transaction request to determine the third admission factor; The determining, based on the first access factor and the second access factor, whether the transaction access review is passed includes: Whether the transaction access review is passed is determined based on the first access factor, the second access factor and the third access factor.

3. The transaction access review method according to claim 2, characterized in that: The step of conducting a fraudulent transaction audit according to the transaction request to determine the third admission factor includes: Acquire the account used by the target customer when initiating the transaction request to obtain a first account; Performing a first impersonation identification on the first account; When the first impersonation identification fails, obtaining all accounts under the target customer's name; Performing a second impersonation identification based on each of all accounts; When the second fraudulent identification fails, obtaining all non-fraudulent accounts in the preset institution; The third admission factor is determined according to the second proportion of all non-impersonation accounts in the preset institution.

4. The transaction access review method according to claim 2, characterized in that: The transaction access review method further includes: identifying the type of transaction medium according to the transaction request; When the type of the transaction medium includes a preset type, performing a second physiological characteristic review on the target customer to determine a fourth access factor; The determining whether the transaction access review is passed according to the first access factor, the second access factor and the third access factor includes: Whether the transaction access review is passed is determined based on the first access factor, the second access factor, the third access factor and the fourth access factor.

5. The transaction access review method according to claim 4, characterized in that: When the transaction medium includes a pure magnetic stripe bank card, determining that the type of the transaction medium includes a preset type; when the type of the transaction medium includes the preset type, performing a second physiological characteristic review on the target customer to determine a fourth access factor, including: Initiating a session with the target customer according to a second preset strategy; During the conversation, performing a second voiceprint recognition on the target customer; When the second voiceprint recognition fails, obtaining all pure magnetic stripe bank cards in the preset institution; The fourth access factor is determined according to the third proportion of all pure magnetic stripe bank cards in the preset institution.

6. The transaction access review method according to claim 4, characterized in that: The determining whether the transaction access review is passed according to the first access factor, the second access factor, the third access factor and the fourth access factor includes: Acquire a risk event that matches at least one of the first admission factor, the second admission factor, the third admission factor, and the fourth admission factor; According to the acquired risk event occurrence trend, adjusting a corresponding one of the first access factor, the second access factor, the third access factor, and the fourth access factor; Based on the adjustment results, determine whether the transaction access review has passed.

7. The transaction access review method according to any one of claims 1 to 6, characterized in that: The transaction access review method further includes: When it is determined that the transaction access review has passed, the portion of the target customer's data related to the transaction access review is corrected.

8. A transaction access review device, characterized in that: include: A first acquisition module, used to acquire a transaction request; A first review module, used for reviewing basic elements according to the transaction request; A first admission factor determination module, configured to, when the basic factor review fails, conduct a basic factor review on the target customer to determine a first admission factor, wherein the target customer includes the customer who initiated the transaction request; A second review module is used to review the account status of the target customer; A second admission factor determination module, configured to, when the account status audit fails, conduct a first physiological characteristic audit on the target customer to determine a second admission factor; a processing module, configured to determine whether the transaction access review is passed according to the first access factor and the second access factor, Wherein, when the basic elements audit fails, the basic elements of the target customer are reviewed to determine the first admission factor, including: Obtain all accounts under the name of the target customer; Reviewing the basic elements according to each basic element associated with all the accounts and the basic elements associated with the target customer; When the basic elements fail to pass the review, obtaining the completeness of the basic elements of the target customer in the preset database; Determining the first access factor according to the completeness of the basic elements, And wherein, the first physiological characteristic audit includes a first voiceprint recognition; when the account status audit fails, the first physiological characteristic audit of the target customer is performed to determine a second access factor, including: Initiating a session with the target customer according to a first preset strategy; During the conversation, performing the first voiceprint recognition on the target customer; When the first voiceprint recognition fails, obtaining all active accounts in a preset organization; Determining the second access factor according to the first proportion of all active accounts in the preset institution, And wherein, judging whether the transaction access review is passed according to the first access factor and the second access factor includes: The first access factor and the second access factor are summed, and the sum result is compared with a preset value to determine whether the transaction access review is passed.

9. An electronic device, characterized in that: include: one or more processors; a storage device for storing one or more programs, When the one or more programs are executed by the one or more processors, the one or more processors execute the transaction access review method according to any one of claims 1 to 7.

10. A computer-readable storage medium, characterized in that: Executable instructions are stored thereon, and when the instructions are executed by the processor, the processor executes the transaction access review method according to any one of claims 1 to 7.

11. A computer program product, characterized in that It comprises a computer program, which, when executed by a processor, implements the transaction access review method according to any one of claims 1 to 7.

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