Transfer information processing method and device, computer program product and electronic equipment

Abstract

The invention discloses a transfer information processing method and device, a computer program product and electronic equipment. The method comprises the following steps: receiving a transfer request initiated by a target client, and extracting a collection account and a transfer amount from the transfer request; obtaining a first historical transfer behavior of a target account of the target customer, obtaining a second historical transfer behavior of a collection account, and obtaining a transfer initiation frequency of the target customer within a preset time length; calculating a transfer security evaluation value based on the first historical transfer behavior, the second historical transfer behavior, the transfer amount and the transfer initiation frequency, and judging whether the transfer security evaluation value is greater than or equal to an evaluation value threshold; and under the condition that the transfer security evaluation value is greater than or equal to the evaluation value threshold value, executing a transfer transaction from the target client to the collection account based on the transfer request. Through the method and the device, the problem that security risks exist in account transfer information processing in related technologies is solved.

Description

Technical Field

[0001] The present application relates to the field of information security, and more specifically, to a method, device, computer program product, and electronic device for processing transfer information. Background Art

[0002] The processing of transfer information is an integral part of the financial system, and it involves the process of transferring funds from one account to another. This process requires not only a high degree of security and accuracy, but also needs to be completed quickly and efficiently. During the transfer information processing process, the financial institution's system will receive the customer's transfer request and conduct a strict review of the request to ensure the security and compliance of the transaction. After the review is passed, the system will deduct the corresponding amount from the transfer account and transfer the funds to the recipient's account. This process requires the financial institution's system to have strong processing capabilities and security to ensure the security of funds and the accuracy of transactions.

[0003] In order to improve the security of transfer information processing, financial institutions in related technologies use a variety of security measures such as SSL (Secure Sockets Layer, a network communication security encryption protocol) encryption, firewalls and intrusion detection systems. These measures can effectively prevent unauthorized access and data leakage, and ensure the security of customer information. However, there are still some security loopholes for authorized access requests, resulting in insufficient security of the system.

[0004] With regard to the security risks in the processing of transfer information in related technologies, no effective solution has been proposed so far. Summary of the invention

[0005] The main purpose of the present application is to provide a method, device, computer program product and electronic device for processing transfer information to solve the problem of security risks in the processing of transfer information in related technologies.

[0006] In order to achieve the above-mentioned purpose, according to one aspect of the present application, a method for processing transfer information is provided. The method includes: receiving a transfer request initiated by a target customer, extracting a receiving account and a transfer amount from the transfer request; obtaining a first historical transfer behavior of a target account of the target customer, obtaining a second historical transfer behavior of a receiving account, and obtaining the transfer initiation frequency of the target customer within a preset time period; calculating a transfer security evaluation value based on the first historical transfer behavior, the second historical transfer behavior, the transfer amount, and the transfer initiation frequency, and determining whether the transfer security evaluation value is greater than or equal to an evaluation value threshold; and executing a transfer transaction from the target customer to the receiving account based on the transfer request if the transfer security evaluation value is greater than or equal to the evaluation value threshold.

[0007] Optionally, calculating the transfer security evaluation value based on the first historical transfer behavior, the second historical transfer behavior, the transfer amount and the transfer initiation frequency includes: obtaining the identity authentication method and transfer device information of the target customer, and determining the network environment when the target customer initiates the transfer request; determining the identity authentication evaluation value and the first weight based on the identity authentication method, determining the device evaluation value and the second weight based on the transfer device information, and determining the network environment evaluation value and the third weight based on the network environment; determining the first transfer behavior evaluation value and the fourth weight based on the first historical transfer behavior, determining the second transfer behavior evaluation value and the fifth weight based on the second historical transfer behavior, determining the amount evaluation value and the sixth weight based on the transfer amount, and determining the transfer frequency evaluation value and the seventh weight based on the transfer initiation frequency; obtaining the transfer security evaluation value by weighted summing the target evaluation value and the target weight corresponding to the target evaluation value, wherein the target evaluation value includes at least one of the following: the identity authentication evaluation value, the device evaluation value, the network environment evaluation value, the first transfer behavior evaluation value, the second transfer behavior evaluation value, the amount evaluation value and the transfer frequency evaluation value.

[0008] Optionally, executing a transfer transaction from a target customer to a receiving account based on a transfer request includes: conducting a security audit on the target account and detecting whether the security audit of the target account has passed; if the security audit of the target account has not passed, revoking the transfer transaction; if the security audit of the target account has passed, transferring the transfer amount of the target account to the receiving account; if the receiving account has received the transfer amount, generating a transfer transaction voucher and storing it in the target database to determine that the transfer transaction has been successfully executed.

[0009] Optionally, performing a security audit on the target account includes: detecting whether the target account is in a frozen state or a closed state; if it is detected that the target account is in a frozen state or a closed state, determining that the security audit of the target account has failed; if it is detected that the target account is not in a frozen state or a closed state, judging whether the balance in the target account is greater than or equal to the transfer amount; if the balance in the target account is less than the transfer amount, determining that the security audit of the target account has failed; if the balance in the target account is greater than or equal to the transfer amount, performing a security risk check on the target account; if the security risk check fails, determining that the security audit of the target account has failed; if the security risk check passes, determining that the security audit of the target account has passed.

[0010] Optionally, performing security risk detection on the target account includes: determining whether there is any abnormal behavior in the transfer transaction, and determining whether the transfer transaction complies with preset transfer rules; if there is abnormal behavior in the transfer transaction or the transfer transaction does not comply with the preset transfer rules, determining that the security risk detection has failed; if there is no abnormal behavior in the transfer transaction and the transfer transaction complies with the preset transfer rules, determining that the security risk detection has passed.

[0011] Optionally, before calculating the transfer security assessment value based on the first historical transfer behavior, the second historical transfer behavior, the transfer amount and the transfer initiation frequency, the method also includes: authenticating the target customer; if the target customer's identity authentication is passed, executing the step of calculating the transfer security assessment value based on the first historical transfer behavior, the second historical transfer behavior, the transfer amount and the transfer initiation frequency; if the target customer's identity authentication is not passed, issuing a prompt message, wherein the prompt message is used to prompt that there is a security risk in the transfer request.

[0012] Optionally, after determining whether the transfer security assessment value is greater than or equal to the assessment value threshold, the method further includes: issuing a prompt message when the transfer security assessment value is less than the assessment value threshold, wherein the prompt message is used to prompt that there is a security risk in the transfer request.

[0013] In order to achieve the above-mentioned purpose, according to another aspect of the present application, a transfer information processing device is provided. The device includes: a receiving unit, which is used to receive a transfer request initiated by a target customer, and extract a receiving account and a transfer amount from the transfer request; an acquisition unit, which is used to acquire a first historical transfer behavior of a target account of a target customer, acquire a second historical transfer behavior of a receiving account, and acquire the transfer initiation frequency of the target customer within a preset time period; a calculation unit, which is used to calculate a transfer security evaluation value based on the first historical transfer behavior, the second historical transfer behavior, the transfer amount, and the transfer initiation frequency, and determine whether the transfer security evaluation value is greater than or equal to an evaluation value threshold; and an execution unit, which is used to execute a transfer transaction from the target customer to the receiving account based on the transfer request when the transfer security evaluation value is greater than or equal to the evaluation value threshold.

[0014] In order to achieve the above-mentioned purpose, according to another aspect of the present application, a computer program product is provided, including a computer program, which, when executed by a processor, implements the steps of the transfer information processing method described in each embodiment of the present application.

[0015] Through this application, the following steps are adopted: receiving a transfer request initiated by a target customer, extracting a receiving account and a transfer amount from the transfer request; obtaining a first historical transfer behavior of the target account of the target customer, obtaining a second historical transfer behavior of the receiving account, and obtaining the transfer initiation frequency of the target customer within a preset time period; calculating a transfer security assessment value based on the first historical transfer behavior, the second historical transfer behavior, the transfer amount, and the transfer initiation frequency, and judging whether the transfer security assessment value is greater than or equal to the assessment value threshold; when the transfer security assessment value is greater than or equal to the assessment value threshold, executing a transfer transaction from the target customer to the receiving account based on the transfer request, thereby solving the problem of security risks in the processing of transfer information in the related technology. The transfer security assessment value is calculated by the transfer behavior, transfer amount, and transfer initiation frequency between the target account and the receiving account, and the transfer transaction is executed when the transfer security assessment value is greater than or equal to the assessment value threshold, thereby achieving the effect of improving the security of processing transfer information. BRIEF DESCRIPTION OF THE DRAWINGS

[0016] The drawings constituting a part of the present application are used to provide a further understanding of the present application. The illustrative embodiments and descriptions of the present application are used to explain the present application and do not constitute an improper limitation on the present application. In the drawings:

[0017] Figure 1 is a flow chart of a method for processing transfer information provided according to an embodiment of the present application;

[0018] Figure 2 is a schematic diagram of a background monitoring system provided according to an embodiment of the present application;

[0019] Figure 3 is a schematic diagram of a transfer information processing device provided according to an embodiment of the present application;

[0020] Figure 4 is a schematic diagram of an electronic device provided according to an embodiment of the present application. DETAILED DESCRIPTION

[0021] It should be noted that, in the absence of conflict, the embodiments and features in the embodiments of the present application can be combined with each other. The present application will be described in detail below with reference to the accompanying drawings and in combination with the embodiments.

[0022] In order to enable those skilled in the art to better understand the solution of the present application, the technical solution in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments are only part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of the present application.

[0023] It should be noted that the terms "first", "second", etc. in the specification and claims of the present application and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequential order. It should be understood that the data used in this way can be interchanged where appropriate, so that the embodiments of the present application described here. In addition, the terms "including" and "having" and any of their variations are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device comprising a series of steps or units is not necessarily limited to those steps or units clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0024] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data for display, data for analysis, etc.) involved in this disclosure are all information and data authorized by the user or fully authorized by all parties.

[0025] It should be noted that the information collected is information and data authorized by the user or fully authorized by all parties, and the collection, storage, use, processing, transmission, provision, disclosure and application of relevant data comply with the relevant laws, regulations and standards of the relevant regions, take necessary confidentiality measures, do not violate public order and good customs, and provide corresponding operation entrances for users to choose to authorize or refuse.

[0026] The present invention is described below in conjunction with preferred implementation steps. Figure 1 is a flow chart of a method for processing transfer information provided in accordance with an embodiment of the present application. Figure 1 As shown, the method comprises the following steps:

[0027] Step S101, receiving a transfer request initiated by a target customer, and extracting a receiving account and a transfer amount from the transfer request.

[0028] Specifically, the target customer can initiate a transfer request through online banking, mobile banking, self-service terminals or counters. The target customer enters the payee account information, transfer amount and transfer instructions through the above terminal, and the terminal generates a transfer request. The transfer information processing device receives the transfer request initiated by the target customer and extracts the recipient account and transfer amount from it.

[0029] Step S102, obtaining a first historical transfer behavior of a target account of a target customer, obtaining a second historical transfer behavior of a receiving account, and obtaining a transfer initiation frequency of the target customer within a preset period of time.

[0030] Specifically, in order to evaluate the security risk of a transfer request initiated by a target customer, it is necessary to obtain the first historical transfer behavior of the target account, the second historical transfer behavior of the receiving account, and the transfer initiation frequency of the target customer within a preset time period, such as one hour.

[0031] Step S103, calculating a transfer security evaluation value based on the first historical transfer behavior, the second historical transfer behavior, the transfer amount, and the transfer initiation frequency, and determining whether the transfer security evaluation value is greater than or equal to an evaluation value threshold.

[0032] Specifically, the transfer security evaluation value is calculated by obtaining the first historical transfer behavior, the second historical transfer behavior, the transfer amount and the transfer initiation frequency, and by comparing the transfer security evaluation value with the evaluation value threshold, it is determined whether there is a security risk in the current transfer request.

[0033] Step S104: When the transfer security evaluation value is greater than or equal to the evaluation value threshold, a transfer transaction from the target customer to the receiving account is executed based on the transfer request.

[0034] Specifically, if the calculated transfer security assessment value is greater than or equal to the assessment value threshold, it means that the security of this transfer request is relatively high, and the transfer transaction from the target customer to the receiving account can be executed according to the transfer request.

[0035] It should be noted that after confirming that the transfer information is correct, the target customer submits a transfer request to the financial institution. After receiving the transfer request, the financial institution's system will review the transfer information, including verifying the status, balance, and whether there is any risk in the receiving account; after the verification is passed, the funds will be transferred, and the financial institution will deduct the corresponding transfer amount from the target account and transfer the funds to the receiving account; after the transfer is completed, the customer will be notified of the transfer result via SMS, email, or application push.

[0036] In addition, financial institutions use SSL encryption to ensure that their systems have the latest transfer reliability measures to prevent unauthorized access and data leakage during fund transfers; SSL encryption includes the following steps: Financial institutions need to purchase SSL certificates from trusted certificate authorities. SSL certificates contain public and private keys, as well as the digital signature of the certificate authority. Install the SSL certificate on the server of the financial institution. This usually involves generating a certificate request on the server, then submitting the request to the certificate authority, which verifies the request and issues the certificate, and finally installs the certificate on the server.

[0037] The servers of financial institutions need to be configured to use SSL. This includes enabling SSL ports such as port 443 and ensuring that the server software is properly configured to use the SSL certificate. Financial institutions will also configure their websites so that all sensitive pages are accessed via the HTTPS (Hypertext Transfer Protocol Secure) protocol instead of HTTP (Hypertext Transfer Protocol). HTTPS is a transfer reliability version of the HTTP protocol that uses SSL encryption to protect data transmission. In addition, it is necessary to ensure that the servers of financial institutions use the latest TLS protocol (Transport Layer Security, an encrypted communication protocol) to provide stronger transfer reliability protection. When a user accesses the website of a financial institution through a browser, the server will present its SSL certificate. The browser verifies the validity of the certificate and then uses the public key in the certificate to encrypt the data, which can only be decrypted by the private key held by the server.

[0038] The transfer information processing method provided in the embodiment of the present application receives a transfer request initiated by a target customer, extracts a receiving account and a transfer amount from the transfer request; obtains a first historical transfer behavior of a target account of a target customer, obtains a second historical transfer behavior of a receiving account, and obtains the transfer initiation frequency of the target customer within a preset time period; calculates a transfer security evaluation value based on the first historical transfer behavior, the second historical transfer behavior, the transfer amount, and the transfer initiation frequency, and determines whether the transfer security evaluation value is greater than or equal to the evaluation value threshold; when the transfer security evaluation value is greater than or equal to the evaluation value threshold, executes a transfer transaction from the target customer to the receiving account based on the transfer request, thereby solving the problem of security risks in the processing of transfer information in the related art. The transfer security evaluation value is calculated by the transfer behavior, transfer amount, and transfer initiation frequency between the target account and the receiving account, and the transfer transaction is executed when the transfer security evaluation value is greater than or equal to the evaluation value threshold, thereby achieving the effect of improving the security of processing transfer information.

[0039] In order to evaluate the security risk of a transfer request, it is necessary to calculate a transfer security evaluation value of the transfer request. Optionally, in the transfer information processing method provided in the embodiment of the present application, calculating the transfer security evaluation value based on the first historical transfer behavior, the second historical transfer behavior, the transfer amount, and the transfer initiation frequency includes: obtaining the identity authentication method and transfer device information of the target customer, and determining the network environment when the target customer initiates the transfer request; determining the identity authentication evaluation value and the first weight based on the identity authentication method, determining the device evaluation value and the second weight based on the transfer device information, and determining the network environment evaluation value and the third weight based on the network environment; A first transfer behavior evaluation value and a fourth weight are determined based on the first historical transfer behavior, a second transfer behavior evaluation value and a fifth weight are determined based on the second historical transfer behavior, an amount evaluation value and a sixth weight are determined based on the transfer amount, and a transfer frequency evaluation value and a seventh weight are determined based on the transfer initiation frequency; a transfer security evaluation value is obtained by weighted summing up the target evaluation value and the target weight corresponding to the target evaluation value, wherein the target evaluation value includes at least one of the following: an identity authentication evaluation value, a device evaluation value, a network environment evaluation value, a first transfer behavior evaluation value, a second transfer behavior evaluation value, an amount evaluation value, and a transfer frequency evaluation value.

[0040] Specifically, identity authentication methods may include SMS verification codes, digital certificates, biometrics, and other methods. Different identity authentication methods represent different security levels for this transfer request. Transfer device information refers to whether the device that initiates the transfer request is a commonly used device, as well as the device's geographic location information. Transfer device information can also represent the security level of this transfer request. For example, the security level of a transfer request initiated using a commonly used device of the target customer is higher than that of an uncommon device. Whether the network environment is stable is also a factor that affects the security of the transfer. In addition, the historical transfer behavior of the target account and the recipient account also represents the security risk of this transfer transaction. Therefore, the transfer security assessment value can be calculated by combining any of the above information. Corresponding assessment values ​​and weights can be set for different influencing factors, and the transfer security assessment value can be calculated by weighted summation.

[0041] For example, the calculation formula of the transfer security evaluation value is as follows: Transfer Security Evaluation Value = (Transfer Reliability Factor 1 * Weighting Coefficient 1) + (Transfer Reliability Factor 2 * Weighting Coefficient 2) + (Transfer Reliability Factor 3 * Weighting Coefficient 3) + ... + (Transfer Reliability Factor n * Weighting Coefficient n). In this formula, n represents the number of transfer reliability factors, which is a natural number. Each transfer reliability factor corresponds to a weighting coefficient, and the sum of these weighting coefficients must be equal to 1.

[0042] The transfer reliability factor, also known as the target evaluation value, refers to a series of variables that affect the security and credibility of the transfer operation. They can be static or dynamic, including but not limited to the following: The first transfer behavior evaluation value: obtained by comprehensive calculation and evaluation including the transfer frequency of the target account, the regular range of the transfer amount, the transfer time pattern, etc. The fourth weight can be set to have a higher weighting coefficient because it is directly related to the regular behavior pattern of the target account.

[0043] Authentication evaluation value: Depending on the authentication method used by the target customer (such as SMS verification code, digital certificate, biometrics, etc.), the security level will also be different, so the corresponding evaluation value is set based on different security levels. The first weight can adjust the weighting coefficient based on the authentication method. For example, a multi-authentication method may be given a higher weighting coefficient.

[0044] Transfer frequency assessment value: Calculated based on the speed at which transfer requests are initiated. Rapid and continuous transfers may indicate a higher security risk. Fast transfers may be assigned a lower reliability value, so the seventh weight can be set relatively high.

[0045] The second transfer behavior evaluation value can be calculated based on the historical records of the receiving account, including whether it has been used for fraudulent activities. Since the second transfer behavior evaluation value is associated with the receiving account, the fifth weight needs to be set with a relatively high weight coefficient.

[0046] Device evaluation value: This can be calculated based on whether the device that initiates the transfer is a commonly used device, as well as the device's geographical location and other information. Transfers initiated by uncommon devices may be more risky, so the weighting coefficient of the second weight setting should be higher.

[0047] Network environment assessment value: It can be calculated based on whether the network environment where the transfer is initiated is stable and secure. An unstable network environment may increase risks, and the weighting coefficient of the third weight setting should be increased accordingly.

[0048] Amount assessment value: It can be calculated based on the size of the transfer amount. Large transfers usually have higher risks, and the weighting coefficient of the sixth weight needs to be set higher accordingly.

[0049] This embodiment uses the weighted summation formula of the transfer reliability factor and the weighting coefficient to calculate the transfer security assessment value, which can effectively discover and prevent potential transfer risks, thereby improving the security of the entire transfer process. By comprehensively considering multiple transfer reliability factors, the system can more comprehensively evaluate the reliability of transfer requests, thereby reducing the risk of fraud and erroneous transfers. The use of weighting coefficients allows financial institutions to adjust the impact of transfer reliability factors according to different transfer scenarios and customer characteristics, and realize personalized risk management. The setting of transfer reliability factors and weighting coefficients can be automated, reducing manual intervention and improving decision-making efficiency. Through strict transfer reliability assessment, financial institutions can better comply with relevant laws and regulations and reduce legal risks. Because the transfer process is more transparent and reliable, customers' trust in financial institutions will increase, thereby enhancing the reputation of financial institutions and customer loyalty. This in turn improves the security of the overall system.

[0050] In order to further ensure the security of the transfer, it is also necessary to perform a security audit on the target account. Optionally, in the transfer information processing method provided in the embodiment of the present application, executing a transfer transaction from the target customer to the receiving account based on the transfer request includes: performing a security audit on the target account, and detecting whether the security audit of the target account has passed; if the security audit of the target account has not passed, revoking the transfer transaction; if the security audit of the target account has passed, transferring the transfer amount of the target account to the receiving account; if the receiving account has received the transfer amount, generating a transfer transaction voucher and storing it in the target database to determine that the transfer transaction has been successfully executed.

[0051] Specifically, the security audit may include an audit of whether the target account is in a special state such as frozen or closed, as well as an audit of the balance of the target account. It may also include an audit of whether the target account is legal and compliant. For example, the system of a financial institution will verify the identity of the target customer who initiates the transfer request, usually through user name, password, digital certificate, mobile phone verification code, etc. to ensure security; during the identity verification process, the transfer request sent by the target customer's client is received, and the transfer request carries the recipient account information, transfer remarks information and the recipient's contact information; the financial institution's system responds to the transfer request by sending a dynamic verification code to the recipient account corresponding to the contact information, and sends an identity authentication request to the recipient's client.

[0052] If the target account fails the security audit, the transfer transaction corresponding to the transfer request will be directly revoked. If the target account passes the security audit, the transfer amount of the target account will be transferred to the receiving account. Then, the financial institution's system will record the detailed information of the transfer, including the transfer time, amount, account information of both parties, etc., and generate a transfer transaction voucher to store in the target database. At the end of the day, the financial institution will summarize and check all transfer transactions of the day to ensure that the accounts are consistent, and then end the transfer information processing process of the entire financial institution.

[0053] Among them, the financial institution's system will capture and record all relevant transfer data, including the time the transfer was initiated, the amount of the transfer, the details of the transfer account and the receiving account, the transaction type (such as ordinary transfer, fast transfer, etc.), and the transaction status (such as processing, success, failure, etc.). The system will store this data in a secure target database to ensure that the data will not be lost, damaged, or accessed without authorization. Based on the captured data, the system will generate a transfer transaction voucher, which is usually a document containing the necessary information for the transaction, such as transaction reference number, transfer summary, account information, etc. The transaction voucher can be in paper or electronic form. In addition to the transaction voucher, the system will also record more detailed information in the transaction log, including the processing path of the transaction, any relevant risk scores, and system events (such as the execution of security verification steps). The system will check the recorded data to ensure that all information is accurate and consistent with the customer's actual transfer request. If there are any problems in the transfer process, such as insufficient account balance, incorrect information, transaction risk, etc., the financial institution will take measures according to the specific situation, such as revoking the transaction, contacting the customer, etc.

[0054] This embodiment can automatically determine whether the transfer transaction is reliable. After confirmation, the system will make the account entry processing. Therefore, by increasing the reliability calculation and confirmation process method, the fraud rate of small-amount mobile phone application / online banking transfers can be effectively reduced, so that the entire system will not easily make erroneous transfers during use.

[0055] Optionally, in the transfer information processing method provided in the embodiment of the present application, performing a security audit on the target account includes: detecting whether the target account is in a frozen state or a closed state; if it is detected that the target account is in a frozen state or a closed state, determining that the security audit of the target account has not passed; if it is detected that the target account is not in a frozen state or a closed state, judging whether the balance in the target account is greater than or equal to the transfer amount; if the balance in the target account is less than the transfer amount, determining that the security audit of the target account has not passed; if the balance in the target account is greater than or equal to the transfer amount, performing a security risk check on the target account; if the security risk check fails, determining that the security audit of the target account has not passed; if the security risk check passes, determining that the security audit of the target account has passed.

[0056] Specifically, the security audit of the target account may include verifying the account status of the target account, such as checking whether the target account that initiates the transfer is in a normal state and has not been frozen or closed. The security audit also requires checking the balance of the target account to confirm whether the balance of the target account is sufficient to cover the transfer amount and any related expenses that may be incurred. The security audit also requires security risk detection of the target account to analyze whether there are any abnormalities in the transfer behavior, such as whether the transfer amount is much larger than the usual transaction amount, whether the transfer frequency has increased abnormally, etc.

[0057] This embodiment ensures the security of the transfer process by performing a security audit on the target account.

[0058] Optionally, in the transfer information processing method provided in the embodiment of the present application, performing security risk detection on the target account includes: determining whether there is any abnormal behavior in the transfer transaction, and determining whether the transfer transaction complies with preset transfer rules; if there is abnormal behavior in the transfer transaction or the transfer transaction does not comply with the preset transfer rules, determining that the security risk detection has failed; if there is no abnormal behavior in the transfer transaction and the transfer transaction complies with the preset transfer rules, determining that the security risk detection has passed.

[0059] Specifically, abnormal behavior may include illegal transfer checks: monitoring transfers through a security detection system to ensure that they do not violate relevant regulations. Preset transfer rules may include checking the recipient information: verifying whether the information of the recipient account is accurate, including the account name, account number, etc. Preset transfer rules may also include transaction restriction checks to check whether the transfer violates any transaction restrictions, such as daily transaction limits, cross-border transaction limits, etc. If the transfer amount is large or the risk is high, additional transfer reliability verification may be required, such as sending a verification code to the customer's mobile phone, or using two-factor authentication. Preset transfer rules may also include compliance reviews: ensuring that the transfer complies with relevant laws and regulations and the internal regulations of financial institutions. If the transfer amount exceeds a certain limit, additional authorization from the account holder may be required, such as through SMS verification, electronic signature, or in-person confirmation at the bank counter.

[0060] This embodiment can detect security risks during transfer in a timely manner by performing security risk detection on the target account, thereby improving the security of transfer information processing.

[0061] Optionally, in the transfer information processing method provided in the embodiment of the present application, before calculating the transfer security assessment value based on the first historical transfer behavior, the second historical transfer behavior, the transfer amount and the transfer initiation frequency, the method also includes: authenticating the target customer; if the identity authentication of the target customer passes, executing the step of calculating the transfer security assessment value based on the first historical transfer behavior, the second historical transfer behavior, the transfer amount and the transfer initiation frequency; if the identity authentication of the target customer fails, issuing a prompt message, wherein the prompt message is used to prompt that there is a security risk in the transfer request.

[0062] Specifically, the identity authentication of the target customer can be verified through user name, password, digital certificate, mobile phone verification code, etc. If the identity authentication of the target customer is passed, it means that the transfer request can be processed and the step of calculating the transfer security assessment value is directly executed. If the identity authentication of the target customer fails, a prompt message is required to remind the financial institution that there is a security risk in this transfer request.

[0063] Optionally, in the transfer information processing method provided in the embodiment of the present application, after determining whether the transfer security assessment value is greater than or equal to the assessment value threshold, the method further includes: when the transfer security assessment value is less than the assessment value threshold, issuing a prompt message, wherein the prompt message is used to prompt that there is a security risk in the transfer request.

[0064] Specifically, during the execution of the transfer operation, if it is found in the judgment step that the current transfer security assessment value is less than the assessment value threshold, then an additional transfer reliability confirmation step will be entered. In this transfer reliability confirmation step, the system will perform a special transfer reliability judgment to decide whether to continue the transfer. Only when this transfer reliability judgment passes, that is, it is confirmed that there is no transfer reliability risk in the transfer operation, will the system allow the transfer step to be executed. If the transfer reliability judgment fails, indicating that there is a potential transfer reliability risk, the system will not execute the transfer step, and will prompt the financial institution through a prompt message that the transfer request has a security risk.

[0065] This embodiment ensures the reliability of fund transfer and reduces the risk of fraud and erroneous transfer by issuing a prompt message when the transfer security assessment value is less than the assessment value threshold.

[0066] According to another embodiment of the present application, a background monitoring system is also provided. Figure 2 Schematic diagram of a background monitoring system provided according to an embodiment of the present application. Figure 2 As shown, the system includes: including:

[0067] Real-time Monitoring Dashboard: Provides a real-time updated dashboard showing the current system status, including the number of transfers being processed, the number of successful transfers, the number of failed transfers, and any pending exceptions.

[0068] Transaction flow analysis module: The monitoring system should be able to analyze transaction flow and identify peaks and valleys, as well as any unusual traffic patterns, which could be a sign of fraudulent activity.

[0069] Anomaly detection mechanism module: implements anomaly detection algorithms to identify unusual transaction behaviors, such as large transfers, high-frequency transfers, or transactions that do not match the customer's historical transaction patterns.

[0070] Risk scoring system module: Integrate the risk scoring system to conduct risk assessment on each transaction and take corresponding measures according to the risk level, such as automatically freezing high-risk transactions or triggering manual review.

[0071] Alert and notification systems: When the monitoring system detects abnormal or high-risk transactions, the relevant risk management and security teams should be notified immediately via SMS, email or internal messaging systems.

[0072] Log management and analysis module: The system should record detailed logs of all transactions and be able to analyze these logs to help investigate and resolve any issues.

[0073] Data Protection and Privacy Module: Ensure the security of all monitoring data, comply with data protection regulations, encrypt sensitive data, and implement strict access controls.

[0074] System health and performance monitoring module: The monitoring system should be able to monitor its own health and performance, including server load, response time, and utilization of system resources.

[0075] Compliance monitoring module: Ensures that the monitoring system complies with all relevant laws, regulations and industry standards.

[0076] User Interface and Reporting Module: Provide a user-friendly interface that allows monitoring personnel to easily view and analyze data. In addition, the system should be able to generate regular reports for management review and regulatory agency reporting.

[0077] Integration and automation module: Integrate the monitoring system with other systems of the bank (such as transaction processing system, customer relationship management system, etc.) to achieve automated monitoring and response.

[0078] Disaster recovery and backup module: Implement disaster recovery plans to ensure that monitoring functions can be quickly restored in the event of system failure or data loss.

[0079] The specific operation of the disaster recovery and backup module includes: Develop a disaster recovery plan. Banks should develop a detailed disaster recovery plan that covers all possible risk scenarios, such as hardware failure, software crash, cyber attack, natural disasters, etc. The plan should include specific response steps, responsibility allocation, communication channels and recovery goals when a disaster occurs. Establish a backup strategy: Determine the frequency and type of backup, including full backup, incremental backup and differential backup. Select appropriate backup storage media, such as tapes, hard disks, cloud storage, etc. Implement encryption and security measures to ensure the security of backup data. Backup execution: According to the backup strategy, automatically perform data backup jobs regularly. Ensure the successful execution of backup jobs and monitor the backup process to detect any potential problems. Disaster simulation and testing: Conduct disaster simulation tests regularly to verify the effectiveness of the disaster recovery plan. The tests include recovery process drills, system switching, data recovery, etc. Establish a backup data center: Establish a backup data center geographically far away from the primary data center. Keep the infrastructure of the backup data center synchronized with the primary data center to ensure that the business can be taken over quickly. Real-time data replication: For critical data, implement real-time data replication technology to ensure real-time synchronization of data between the primary data center and the backup data center. Automated recovery processes: Develop automated scripts and tools to quickly restore systems and services in the event of a disaster. Automated processes should include system restart, data recovery, network configuration, and application redeployment. Monitoring and alerting: Monitor the system in real time to monitor the status of backup jobs and the integrity of backup data in real time. Set up an alarm mechanism to immediately notify the IT operations team when a backup fails or the data is inconsistent. Training and documentation: Train the operations team on the disaster recovery plan to ensure that everyone understands their roles and responsibilities. Write detailed operational documents to record all recovery steps and configuration details. Regular review and update: Regularly review the disaster recovery plan and backup strategy to adapt to new threats and business needs. Update the plan to reflect changes in the system architecture and new recovery technologies.

[0080] This embodiment uses a background monitoring system to ensure that the transfer function is quickly restored in the event of system failure or data loss to ensure business continuity. Through the data collected by the monitoring system, the bank can conduct in-depth analysis, optimize the transfer process, and improve overall business efficiency. At the same time, the disaster recovery and backup modules set up by the establishment of a disaster recovery plan and a backup data center enable the bank to quickly restore business operations in the face of a disaster, reduce the time of business interruption, and ensure business continuity. Real-time data replication and encrypted backup ensure the integrity and security of the data. Even if the main data center fails, the backup data can be kept up to date. Through simulation testing and monitoring systems, banks can promptly discover and solve problems in the backup process and reduce the risk of data loss or leakage.

[0081] It should be noted that the steps shown in the flowcharts of the accompanying drawings can be executed in a computer system such as a set of computer executable instructions, and that, although a logical order is shown in the flowcharts, in some cases, the steps shown or described can be executed in an order different from that shown here.

[0082] The embodiment of the present application also provides a transfer information processing device. It should be noted that the transfer information processing device of the embodiment of the present application can be used to execute the transfer information processing method provided in the embodiment of the present application. The transfer information processing device provided in the embodiment of the present application is introduced below.

[0083] Figure 3 Schematic diagram of a transfer information processing device provided according to an embodiment of the present application. Figure 3 As shown, the device comprises:

[0084] The receiving unit 301 is used to receive a transfer request initiated by a target customer and extract a receiving account and a transfer amount from the transfer request;

[0085] An acquisition unit 302 is used to acquire a first historical transfer behavior of a target account of a target customer, acquire a second historical transfer behavior of a receiving account, and acquire a transfer initiation frequency of the target customer within a preset period of time;

[0086] A calculation unit 303 is used to calculate a transfer security evaluation value based on the first historical transfer behavior, the second historical transfer behavior, the transfer amount, and the transfer initiation frequency, and determine whether the transfer security evaluation value is greater than or equal to an evaluation value threshold;

[0087] The execution unit 304 is used to execute the transfer transaction from the target customer to the receiving account based on the transfer request when the transfer security evaluation value is greater than or equal to the evaluation value threshold.

[0088] The transfer information processing device provided in the embodiment of the present application receives a transfer request initiated by a target customer through a receiving unit 301, and extracts a receiving account and a transfer amount from the transfer request; an obtaining unit 302 obtains a first historical transfer behavior of a target account of a target customer, obtains a second historical transfer behavior of a receiving account, and obtains a transfer initiation frequency of the target customer within a preset time period; a calculating unit 303 calculates a transfer security evaluation value based on the first historical transfer behavior, the second historical transfer behavior, the transfer amount, and the transfer initiation frequency, and determines whether the transfer security evaluation value is greater than or equal to the evaluation value threshold; an executing unit 304 executes a transfer transaction from the target customer to the receiving account based on the transfer request when the transfer security evaluation value is greater than or equal to the evaluation value threshold, thereby solving the problem of security risks in the processing of transfer information in the related art, calculating a transfer security evaluation value through the transfer behavior, transfer amount, and transfer initiation frequency between the target account and the receiving account, and executing the transfer transaction when the transfer security evaluation value is greater than or equal to the evaluation value threshold, thereby achieving the effect of improving the security of processing transfer information.

[0089] Optionally, in the transfer information processing device provided in the embodiment of the present application, the calculation unit 303 includes: an acquisition module, which is used to acquire the identity authentication method and transfer device information of the target customer, and determine the network environment when the target customer initiates the transfer request; a first determination module, which is used to determine the identity authentication evaluation value and the first weight based on the identity authentication method, determine the device evaluation value and the second weight based on the transfer device information, and determine the network environment evaluation value and the third weight based on the network environment; a second determination module, which is used to determine the first transfer behavior evaluation value and the fourth weight based on the first historical transfer behavior, determine the second transfer behavior evaluation value and the fifth weight based on the second historical transfer behavior, determine the amount evaluation value and the sixth weight based on the transfer amount, and determine the transfer frequency evaluation value and the seventh weight based on the transfer initiation frequency; a summation module, which is used to perform weighted summation through the target evaluation value and the target weight corresponding to the target evaluation value to obtain a transfer security evaluation value, wherein the target evaluation value includes at least one of the following: identity authentication evaluation value, device evaluation value, network environment evaluation value, first transfer behavior evaluation value, second transfer behavior evaluation value, amount evaluation value and transfer frequency evaluation value.

[0090] Optionally, in the transfer information processing device provided in the embodiment of the present application, the execution unit 304 includes: an audit module, which is used to perform a security audit on the target account and detect whether the security audit of the target account has passed; a revocation module, which is used to cancel the transfer transaction if the security audit of the target account has not passed; a transfer module, which is used to transfer the transfer amount of the target account to the receiving account if the security audit of the target account has passed; a generation module, which is used to generate a transfer transaction voucher and store it in the target database when the receiving account receives the transfer amount, so as to determine that the transfer transaction is successfully executed.

[0091] Optionally, in the transfer information processing device provided in the embodiment of the present application, the audit module includes: a detection submodule, used to detect whether the target account is in a frozen state or a closed state; a first determination submodule, used to determine that the security audit of the target account has not passed when it is detected that the target account is in a frozen state or a closed state, and to determine whether the balance in the target account is greater than or equal to the transfer amount when it is detected that the target account is not in a frozen state or a closed state; a second determination submodule, used to determine that the security audit of the target account has not passed when the balance in the target account is less than the transfer amount, and to perform a security risk detection on the target account when the balance in the target account is greater than or equal to the transfer amount; a third determination submodule, used to determine that the security audit of the target account has not passed when the security risk detection has not passed, and to determine that the security audit of the target account has passed when the security risk detection has passed.

[0092] Optionally, in the transfer information processing device provided in the embodiment of the present application, the second determination submodule includes: a judgment module, used to judge whether there is any abnormal behavior in the transfer transaction, and to judge whether the transfer transaction complies with preset transfer rules; a third determination module, used to determine that the security risk detection has failed when there is abnormal behavior in the transfer transaction or the transfer transaction does not comply with the preset transfer rules; and a fourth determination module, used to determine that the security risk detection has passed when there is no abnormal behavior in the transfer transaction and the transfer transaction complies with the preset transfer rules.

[0093] Optionally, in the transfer information processing device provided in the embodiment of the present application, the device also includes: a verification unit, used to authenticate the identity of the target customer; an evaluation value calculation unit, used to execute the step of calculating the transfer security evaluation value based on the first historical transfer behavior, the second historical transfer behavior, the transfer amount and the transfer initiation frequency when the identity authentication of the target customer is passed; a first prompt unit, used to issue a prompt message when the identity authentication of the target customer fails, wherein the prompt message is used to prompt that there is a security risk in the transfer request.

[0094] Optionally, in the transfer information processing device provided in the embodiment of the present application, the device also includes: a second prompt unit, used to issue a prompt message when the transfer security assessment value is less than the assessment value threshold, wherein the prompt message is used to prompt that there is a security risk in the transfer request.

[0095] The transfer information processing device includes a processor and a memory. The above-mentioned receiving unit 301, obtaining unit 302, calculating unit 303 and executing unit 304 are all stored in the memory as program units, and the processor executes the above-mentioned program units stored in the memory to realize corresponding functions.

[0096] The processor contains a kernel, which calls the corresponding program unit from the memory. One or more kernels can be set, and the security of processing transfer information can be improved by adjusting kernel parameters.

[0097] The memory may include non-permanent memory in a computer-readable medium, random access memory (RAM) and / or non-volatile memory, such as read-only memory (ROM) or flash RAM, and the memory includes at least one memory chip.

[0098] An embodiment of the present invention provides a computer-readable storage medium having a program stored thereon, and when the program is executed by a processor, a method for processing transfer information is implemented.

[0099] An embodiment of the present invention provides a processor, which is used to run a program, wherein the transfer information processing method is executed when the program is running.

[0100] Figure 4 is a schematic diagram of an electronic device provided according to an embodiment of the present application. Figure 4 As shown, the electronic device 401 includes a processor, a memory, and a program stored in the memory and executable on the processor. When the processor executes the program, the following steps are implemented: receiving a transfer request initiated by a target customer, extracting a receiving account and a transfer amount from the transfer request; obtaining a first historical transfer behavior of a target account of a target customer, obtaining a second historical transfer behavior of a receiving account, and obtaining a transfer initiation frequency of the target customer within a preset time period; calculating a transfer security evaluation value based on the first historical transfer behavior, the second historical transfer behavior, the transfer amount, and the transfer initiation frequency, and determining whether the transfer security evaluation value is greater than or equal to an evaluation value threshold; and executing a transfer transaction from the target customer to the receiving account based on the transfer request when the transfer security evaluation value is greater than or equal to the evaluation value threshold. The device in this article may be a server, a PC, a PAD, a mobile phone, etc.

[0101] The present application also provides a computer program product, which, when executed on a data processing device, is suitable for executing a program that is initialized with the following method steps: receiving a transfer request initiated by a target customer, extracting a receiving account and a transfer amount from the transfer request; obtaining a first historical transfer behavior of a target account of the target customer, obtaining a second historical transfer behavior of the receiving account, and obtaining a transfer initiation frequency of the target customer within a preset time period; calculating a transfer security assessment value based on the first historical transfer behavior, the second historical transfer behavior, the transfer amount, and the transfer initiation frequency, and determining whether the transfer security assessment value is greater than or equal to an assessment value threshold; and executing a transfer transaction from the target customer to the receiving account based on the transfer request when the transfer security assessment value is greater than or equal to the assessment value threshold.

[0102] Those skilled in the art will appreciate that the embodiments of the present application may be provided as methods, systems, or computer program products. Therefore, the present application may adopt the form of a complete hardware embodiment, a complete software embodiment, or an embodiment in combination with software and hardware. Moreover, the present application may adopt the form of a computer program product implemented in one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) that contain computer-usable program code.

[0103] The present application is described with reference to the flowcharts and / or block diagrams of the methods, devices (systems), and computer program products according to the embodiments of the present application. It should be understood that each process and / or box in the flowchart and / or block diagram, as well as the combination of the processes and / or boxes in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to generate a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0104] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0105] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process in the computer or other programmable device. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0106] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.

[0107] The memory may include non-permanent memory in a computer-readable medium, random access memory (RAM) and / or non-volatile memory in the form of read-only memory (ROM) or flash RAM. The memory is an example of a computer-readable medium.

[0108] Computer readable media include permanent and non-permanent, removable and non-removable media that can be implemented by any method or technology to store information. Information can be computer readable instructions, data structures, program modules or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, compact disk read-only memory (CD-ROM), digital versatile disk (DVD) or other optical storage, magnetic cassettes, magnetic tape disk storage or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined herein, computer readable media does not include temporary computer readable media (transitory media), such as modulated data signals and carrier waves.

[0109] It should also be noted that the terms "include", "comprises" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, commodity or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, commodity or device. In the absence of more restrictions, the elements defined by the sentence "comprises a ..." do not exclude the existence of other identical elements in the process, method, commodity or device including the elements.

[0110] Those skilled in the art will appreciate that the embodiments of the present application may be provided as methods, systems or computer program products. Therefore, the present application may adopt the form of a complete hardware embodiment, a complete software embodiment or an embodiment in combination with software and hardware. Moreover, the present application may adopt the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) that contain computer-usable program code.

[0111] The above are only embodiments of the present application and are not intended to limit the present application. For those skilled in the art, the present application may have various changes and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included within the scope of the claims of the present application.

Claims

1. A method for processing transfer information, characterized in that: include: Receive a transfer request initiated by a target customer, and extract a receiving account and a transfer amount from the transfer request; Acquire a first historical transfer behavior of a target account of the target customer, acquire a second historical transfer behavior of the receiving account, and acquire a transfer initiation frequency of the target customer within a preset period of time; Calculating a transfer security evaluation value based on the first historical transfer behavior, the second historical transfer behavior, the transfer amount, and the transfer initiation frequency, and determining whether the transfer security evaluation value is greater than or equal to an evaluation value threshold; In a case where the transfer security evaluation value is greater than or equal to the evaluation value threshold, a transfer transaction from the target customer to the receiving account is executed based on the transfer request.

2. The method according to claim 1, characterized in that Calculating the transfer security evaluation value based on the first historical transfer behavior, the second historical transfer behavior, the transfer amount, and the transfer initiation frequency includes: Obtaining the identity authentication method and transfer device information of the target customer, and determining the network environment when the target customer initiates the transfer request; Determine an identity authentication evaluation value and a first weight based on the identity authentication method, determine a device evaluation value and a second weight based on the transfer device information, and determine a network environment evaluation value and a third weight based on the network environment; Determine a first transfer behavior evaluation value and a fourth weight based on the first historical transfer behavior, determine a second transfer behavior evaluation value and a fifth weight based on the second historical transfer behavior, determine an amount evaluation value and a sixth weight based on the transfer amount, and determine a transfer frequency evaluation value and a seventh weight based on the transfer initiation frequency; The transfer security evaluation value is obtained by weighted summing up the target evaluation value and the target weight corresponding to the target evaluation value, wherein the target evaluation value includes at least one of the following: the identity authentication evaluation value, the device evaluation value, the network environment evaluation value, the first transfer behavior evaluation value, the second transfer behavior evaluation value, the amount evaluation value and the transfer frequency evaluation value.

3. The method according to claim 1, characterized in that Executing a transfer transaction from the target customer to the receiving account based on the transfer request includes: Performing a security audit on the target account and detecting whether the security audit of the target account has passed; If the security review of the target account fails, cancel the transfer transaction; If the security audit of the target account is passed, the transfer amount of the target account is transferred to the receiving account; When the receiving account receives the transfer amount, a transfer transaction voucher is generated and stored in the target database, and it is determined that the transfer transaction is successfully executed.

4. The method according to claim 3, characterized in that The security review of the target account includes: Detecting whether the target account is in a frozen or closed state; If it is detected that the target account is in the frozen state or the closed state, determining that the security audit of the target account has not passed, and if it is detected that the target account is not in the frozen state or the closed state, determining whether the balance in the target account is greater than or equal to the transfer amount; If the balance in the target account is less than the transfer amount, it is determined that the security audit of the target account has not passed; if the balance in the target account is greater than or equal to the transfer amount, a security risk detection is performed on the target account; If the security risk detection fails, it is determined that the security audit of the target account fails. If the security risk detection passes, it is determined that the security audit of the target account passes.

5. The method according to claim 4, characterized in that The security risk detection of the target account includes: Determine whether there is any abnormal behavior in the transfer transaction, and determine whether the transfer transaction complies with preset transfer rules; In the case where the transfer transaction has the abnormal behavior or the transfer transaction does not comply with the preset transfer rule, determining that the security risk detection fails; When the transfer transaction does not have the abnormal behavior and the transfer transaction complies with the preset transfer rule, it is determined that the security risk detection is passed.

6. The method according to claim 1, characterized in that Before calculating the transfer security evaluation value based on the first historical transfer behavior, the second historical transfer behavior, the transfer amount, and the transfer initiation frequency, the method further includes: authenticating the target customer; In the case where the identity authentication of the target customer is passed, executing the step of calculating the transfer security assessment value based on the first historical transfer behavior, the second historical transfer behavior, the transfer amount and the transfer initiation frequency; In the case that the identity authentication of the target customer fails, a prompt message is issued, wherein the prompt message is used to prompt that there is a security risk in the transfer request.

7. The method according to claim 1, characterized in that After determining whether the transfer security evaluation value is greater than or equal to the evaluation value threshold, the method further includes: When the transfer security assessment value is less than the assessment value threshold, a prompt message is issued, wherein the prompt message is used to prompt that the transfer request has a security risk.

8. A transfer information processing device, characterized in that: include: A receiving unit, configured to receive a transfer request initiated by a target customer, and extract a receiving account and a transfer amount from the transfer request; an acquisition unit, configured to acquire a first historical transfer behavior of a target account of the target customer, acquire a second historical transfer behavior of the receiving account, and acquire a transfer initiation frequency of the target customer within a preset period of time; a calculation unit, configured to calculate a transfer security evaluation value based on the first historical transfer behavior, the second historical transfer behavior, the transfer amount, and the transfer initiation frequency, and determine whether the transfer security evaluation value is greater than or equal to an evaluation value threshold; An execution unit is used to execute a transfer transaction from the target customer to the receiving account based on the transfer request when the transfer security evaluation value is greater than or equal to the evaluation value threshold.

9. A computer program product, comprising a computer program, characterized in that When the computer program is executed by a processor, the method for processing transfer information described in any one of claims 1 to 7 is implemented.

10. An electronic device, characterized in that: The invention comprises one or more processors and a memory, wherein the memory is used to store one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors implement the transfer information processing method according to any one of claims 1 to 7.

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