A financial risk monitoring device and system

Abstract

The application provides a financial risk monitoring device and system, comprising a client terminal, a background control terminal and a risk monitoring server, in the system, a financial transaction execution application is initiated through the client terminal, and the application is sent to a processing terminal for risk preprocessing through a network, in the process, the identity information of the client terminal is compared, and preliminary risk auditing is completed, the risk auditing sends the financial transaction business applied by the client terminal to the risk monitoring server in the background, the financial risk monitoring device and system have a data transmission monitoring module in the main memory, the data in each main memory is recorded and sent to an independent risk monitoring system not connected to the network, thereby providing additional monitoring measures, when an attack behavior is found, the connection state between the data switching component and the main memory is immediately cut off, and the influence of the formed attack behavior on the main memory data is avoided.

Description

Technical Field

[0001] This invention relates to the field of financial transactions, specifically to a financial risk monitoring device and system. Background Technology

[0002] In financial transactions, real-time monitoring of transaction behavior and various cases is necessary to prevent hacker attacks from causing errors or loss of financial transaction data. Therefore, appropriate risk monitoring systems and monitoring equipment are required. In existing technologies, monitoring platforms and various firewall devices are used to block risks arising in financial transactions. However, this solution cannot provide timely remediation for server attacks that have already occurred. This can lead to the loss of a large amount of data once an attack occurs, or some attack programs may bypass the server and directly interfere with data storage devices. In such cases, there is a lack of independent and effective self-protection measures. Summary of the Invention

[0003] In view of the shortcomings of the existing technology, the purpose of this invention is to provide a financial risk monitoring device and system to solve the problems mentioned in the background. This invention can provide multi-faceted financial risk monitoring methods and can take timely remedial measures in the event of a risk.

[0004] To achieve the above objectives, the present invention provides the following technical solution: a financial risk monitoring system, comprising a client terminal, a back-end control terminal, and a risk monitoring server. In this system, a financial transaction execution application is initiated through the client terminal, and the application is sent to a processing terminal via the network for risk preprocessing. This process compares the client terminal's identity information and completes a preliminary risk review. The risk review then sends the financial transaction application from the client terminal to the back-end risk monitoring server, where past cases are compared, data is recorded, and risks are re-screened. After all risk monitoring is completed, a receipt is sent to the back-end control terminal, which then fulfills the business requirements requested by the client terminal, ultimately completing the entire transaction process.

[0005] Furthermore, the risk monitoring server has its own independent risk monitoring system. The risk monitoring server records the business information applied for by the client terminal through the internal host, and transmits the execution data to the independent risk monitoring system after the application is generated, and performs subsequent risk monitoring and comparison within the independent risk monitoring system.

[0006] Furthermore, once a risk is detected in the independent risk monitoring system or a direct attack has occurred, a subsequent early warning mechanism can be triggered to interrupt the business execution process and temporarily back up and protect the data.

[0007] A financial risk monitoring device includes a risk monitoring device body, which includes a risk monitoring server and an independent risk monitoring system. The risk monitoring server has a host computer inside, a main memory at the bottom of the host computer, a data switching component at the back end of the main memory, and a backup memory at the back end of the data switching component. An independent risk monitoring system is set on one side of the risk monitoring server and is connected to the main memory through a data transmission line.

[0008] Furthermore, the independent risk monitoring system includes a data acquisition module and a first local area network transmission module. An independent risk monitoring display screen is installed at the front end of the host, and a local area network receiving module is provided on the side of the independent risk monitoring display screen.

[0009] Furthermore, the update records generated inside the main memory are directly transmitted to the data acquisition module through the data transmission line, integrated by the independent risk monitoring system, and then transmitted to the independent risk monitoring display screen through the first local area network transmission module.

[0010] Furthermore, a host display screen is provided on the top of the independent risk monitoring display screen, and a second local area network transmission module is provided on the side of the host display screen. The execution information monitored inside the host is output through the host display screen.

[0011] Furthermore, the data switching component includes a main memory, a backup memory, and a data transmission module. The data transmission module has a first connector and a second connector at both ends. The main memory has a first connection port on one side, and the backup memory has a second connection port on one side.

[0012] Furthermore, a base plate is provided at the bottom of the data transmission module, the base plate is placed on top of the slider, and a front baffle is installed on the side of the data transmission module.

[0013] Furthermore, both the main memory and the backup memory are provided with a rear baffle, and an electric push rod is installed between the front baffle and the rear baffle. The data transmission module connects and switches between the main memory and the backup memory through the electric push rod.

[0014] The beneficial effects of the present invention: The present invention provides a financial risk monitoring device and system, comprising a monitoring device and system body, wherein the monitoring device and system body includes a client terminal, a back-end control terminal, a risk monitoring server, a host, a main memory, a backup memory, a data switching component, an independent risk monitoring system, a data acquisition module, a first local area network transmission module, a host display screen, an independent risk monitoring display screen, a second local area network transmission module, a local area network receiving module, a first wiring port, a second wiring port, a data transmission module, a second plug interface, a first plug interface, a slider, a base plate, a rear baffle, an electric push rod, a front baffle, and a data transmission line.

[0015] 1. This financial risk monitoring system has a built-in data transmission monitoring module in each main memory, which records the data in each main memory and sends it to an independent risk monitoring system that is not connected to the network, thereby providing additional monitoring measures.

[0016] 2. The financial risk monitoring equipment and system has a backup storage device at the back end of the main storage device, and the backup storage device is always located in the local area network and is not connected to the cloud data, thereby avoiding the complete loss or damage of data.

[0017] 3. The financial risk monitoring equipment and system monitors financial transaction information in real time through an independent risk monitoring system. Upon detecting an attack, it immediately disconnects the data switching component from the main memory, thus preventing the attack from further affecting the data in the main memory. Attached Figure Description

[0018] Figure 1 This is a topology diagram of a financial risk monitoring system according to the present invention;

[0019] Figure 2 This is a schematic diagram of the risk monitoring server portion of a financial risk monitoring device according to the present invention;

[0020] Figure 3 This is a schematic diagram of the data switching component of a financial risk monitoring device according to the present invention;

[0021] Figure 4 This is a schematic diagram of the structure of an independent risk monitoring system component of a financial risk monitoring device according to the present invention;

[0022] Figure 5 This is a schematic diagram of a financial risk monitoring system according to the present invention;

[0023] In the diagram: 1. Client terminal; 2. Back-end control terminal; 3. Risk monitoring server; 4. Host; 5. Main memory; 6. Backup memory; 7. Data switching component; 8. Independent risk monitoring system; 9. Data acquisition module; 10. First LAN transmission module; 11. Host display screen; 12. Independent risk monitoring display screen; 13. Second LAN transmission module; 14. LAN receiving module; 15. First wiring port; 16. Second wiring port; 17. Data transmission module; 18. Second connector; 19. First connector; 20. Slider; 21. Base plate; 22. Rear baffle; 23. Electric push rod; 24. Front baffle; 25. Data transmission line. Detailed Implementation

[0024] To make the technical means, creative features, objectives and effects of this invention easier to understand, the invention will be further described below in conjunction with specific embodiments.

[0025] Please see Figures 1 to 5 This invention provides a technical solution: a financial risk monitoring system, including a client terminal 1, a back-end control terminal 2, and a risk monitoring server 3. In this system, the client terminal 1 initiates a financial transaction execution application, and the application is sent to a processing terminal via the network for risk preprocessing. This process compares the identity information of the client terminal 1 and completes a preliminary risk review. The risk review then sends the financial transaction application from the client terminal 1 to the back-end risk monitoring server 3. On this server, past cases are compared, data is recorded, and risks are re-screened. After all risk monitoring is completed, a receipt is sent to the back-end control terminal 2. The back-end control terminal 2 then completes the business requirements requested by the client terminal 1, ultimately completing the entire transaction process. This financial risk monitoring system primarily uses the risk monitoring server 3 to implement risk monitoring in financial services, and utilizes conventional firewalls and risk monitoring platforms to achieve software-level risk monitoring processing.

[0026] In this embodiment, the risk monitoring server 3 has an independent risk monitoring system 8. The risk monitoring server 3 records the business information applied for by the client terminal 1 through the internal host 4, and transmits the execution data to the independent risk monitoring system 8 after the application is generated. The independent risk monitoring system 8 performs subsequent risk monitoring and comparison. If the independent risk monitoring system 8 detects a risk or a direct attack, it can trigger a subsequent early warning mechanism, interrupt the business execution process, and temporarily back up and protect the data. In this process, during the normal process, the financial business applied for by the client is subject to risk comparison and monitoring through the server host 4, and the specific information of the data is recorded. Then, the data change information recorded in the main memory 5 at the bottom is used to compare the two types of data again in the internal network device, that is, the independent risk monitoring system 8, so as to complete the additional risk monitoring and early warning effect.

[0027] This embodiment also includes a financial risk monitoring device, comprising a risk monitoring device body, a risk monitoring server 3, and an independent risk monitoring system 8. The risk monitoring server 3 internally houses a host 4, and a main memory 5 is located at the bottom of the host 4. A data switching component 7 is located at the back end of the main memory 5, and a backup memory 6 is located at the back end of the data switching component 7. An independent risk monitoring system 8 is located on one side of the risk monitoring server 3. The independent risk monitoring system 8 is connected to the main memory 5 via a data transmission line 25, connecting the host 4 to the external network. This enables the recording, risk monitoring, and execution of application information sent during background control interruptions. An independent risk monitoring system is also located outside this system, operating solely within its own internal network. This system connects to the host 4 and the main memory 5 on the host 4, allowing for further risk monitoring and processing, thus improving security and risk screening effectiveness.

[0028] In this embodiment, the independent risk monitoring system 8 includes a data acquisition module 9 and a first local area network transmission module 10. An independent risk monitoring display screen 12 is installed at the front end of the host 4. A local area network receiving module 14 is arranged on the side of the independent risk monitoring display screen 12. The update records generated inside the main memory 5 are directly transmitted to the data acquisition module 9 through the data transmission line 25, integrated by the independent risk monitoring system 8, and then transmitted to the independent risk monitoring display screen 12 through the first local area network transmission module 10. Each main memory 5 has its own data transmission monitoring module, which records the data in each main memory 5 and sends it to the independent risk monitoring system 8, which is not connected to the network. In this system, the data is compared with the financial transaction behavior recorded and monitored by the host 4, thereby timely detecting the behavior of external attack programs bypassing the host 4 to damage the main memory 5, providing additional monitoring measures.

[0029] In this embodiment, a host display screen 11 is provided on the top of the independent risk monitoring display screen 12, and a second local area network transmission module 13 is provided on the side of the host display screen 11. The execution information monitored inside the host 4 is output through the host display screen 11. The independent risk monitoring system 8 monitors financial transaction information in real time, and immediately cuts off the connection between the data switching component 7 and the main memory 5 upon detecting an attack, thereby disconnecting the main memory 5 from the network and preventing the attack from further affecting the data in the main memory 5.

[0030] In this embodiment, the data switching component 7 includes a main memory 5, a backup memory 6, and a data transmission module 17. The data transmission module 17 has a first connector 19 and a second connector 18 at both ends. The main memory 5 has a first wiring port 15 on one side, and the backup memory 6 has a second wiring port 16 on one side. A base plate 21 is located at the bottom of the data transmission module 17 and rests on top of the slider 20. A front baffle 24 is mounted on the side of the data transmission module 17. Both the main memory 5 and the backup memory 6 have rear baffles 22 on their outer casings. An electric push rod 23 is installed between the front baffle 24 and the rear baffle 22. The data transmission module 17 connects and switches between the main memory 5 and the backup memory 6 via an electric push rod 23. The backup memory 6 is located at the rear end of the main memory 5 and is always in the local area network, not interconnected with cloud data. By periodically connecting with the data switching component 7, it can be updated to be consistent with the data in the main memory 5, thereby avoiding the complete loss or damage of data. The data switching component 7 can automatically disconnect the main memory 5 after the server detects financial risks, and at the same time connect to the backup memory 6 at the rear end. After connection, the data transmission recorded in the main memory 5 up to the time of disconnection can be updated to the backup memory 6 for protection.

[0031] The foregoing has shown and described the basic principles, main features, and advantages of the present invention. It will be apparent to those skilled in the art that the present invention is not limited to the details of the exemplary embodiments described above, and that the invention can be implemented in other specific forms without departing from its spirit or essential characteristics. Therefore, the embodiments should be considered illustrative and non-limiting in all respects, and the scope of the invention is defined by the appended claims rather than the foregoing description. Thus, all variations falling within the meaning and scope of equivalents of the claims are intended to be included within the present invention. No reference numerals in the claims should be construed as limiting the scope of the claims.

[0032] Furthermore, it should be understood that although this specification describes embodiments, not every embodiment contains only one independent technical solution. This narrative style is merely for clarity. Those skilled in the art should consider the specification as a whole, and the technical solutions in each embodiment can also be appropriately combined to form other embodiments that can be understood by those skilled in the art.

Claims

1. A financial risk monitoring system, characterized in that: The system includes a client terminal (1), a back-end control terminal (2), and a risk monitoring server (3). In this system, the client terminal (1) initiates a financial transaction execution application, and the application is sent to the processing terminal for risk preprocessing via the network. The process compares the identity information of the client terminal (1) and completes the preliminary risk review. The risk review sends the financial transaction application submitted by the client terminal (1) to the back-end risk monitoring server (3), where past cases are compared, data is recorded, and risks are screened again. After all risk monitoring is completed, the receipt information is sent to the back-end control terminal (2). The back-end control terminal (2) is used to complete the business requirements submitted by the client terminal (1) and finally complete the entire transaction process. The risk monitoring server (3) is equipped with a host (4), and the host (4) has a main memory (5) at its bottom. The back-end of the main memory (5) is equipped with a data switching component (7), and the data switching component is connected to the back-end of the main memory (5). The back end of the switching component (7) is equipped with a backup storage (6). An independent risk monitoring system (8) is set up on one side of the risk monitoring server (3). The independent risk monitoring system (8) is connected to the main storage (5) through a data transmission line (25) and connects the host (4) to the external network. The independent risk monitoring system is only in its own internal network. The risk monitoring server (3) records the business information applied for by the client terminal (1) through the internal host (4) and transmits the execution data to the independent risk monitoring system (8) after the application is generated. The independent risk monitoring system (8) performs subsequent risk monitoring and comparison. After the independent risk monitoring system (8) detects a risk or a direct attack, it can trigger the subsequent early warning mechanism, trigger the data switching component (7), disconnect the connection with the main storage (5), and switch to the connection with the backup storage (6), interrupt the business execution process, and temporarily back up and protect the data.

2. A financial risk monitoring device, characterized in that: The system includes a risk monitoring device body, which comprises a risk monitoring server (3) and an independent risk monitoring system (8). The risk monitoring server (3) has a host (4) inside, and a main memory (5) is located at the bottom of the host (4). A data switching component (7) is located at the back end of the main memory (5), and a backup memory (6) is located at the back end of the data switching component (7). An independent risk monitoring system (8) is located on one side of the risk monitoring server (3), and the independent risk monitoring system (8) is connected to the main memory (5) via a data transmission line (25). The independent risk monitoring system (8) is connected to the data acquisition module (9) and the first local area network transmission module (10). The host (4) is equipped with an independent risk monitoring display screen (12) at the front end. The independent risk monitoring display screen (12) is equipped with a local area network receiving module (14) on its side. The update records generated in the main memory (5) are directly transmitted to the data acquisition module (9) through the data transmission line (25), integrated by the independent risk monitoring system (8), and then transmitted to the independent risk monitoring display screen (12) for display output through the first local area network transmission module (10). The top of the independent risk monitoring display screen (12) is equipped with a host display screen (11), and the side of the host display screen (11) is equipped with a second local area network transmission module (13). The execution information monitored inside the host (4) is output through the host display screen (11). The data switching component (7) includes a main memory (5), a backup memory (6) and a data transmission module (17). The two ends of the data transmission module (17) are respectively equipped with a first connector (19) and a second connector (18). The main memory (5) is equipped with a first wiring port (15) on one side. The backup... A second wiring port (16) is provided on one side of the memory (6), and a base plate (21) is provided at the bottom of the data transmission module (17). The base plate (21) is placed on the top of the slider (20). A front baffle (24) is installed on the side of the data transmission module (17). A rear baffle (22) is provided on the outer shell of both the main memory (5) and the backup memory (6). An electric push rod (23) is installed between the front baffle (24) and the rear baffle (22). The data transmission module (17) connects and switches between the main memory (5) and the backup memory (6) through the electric push rod (23).

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