A financial risk security-oriented early warning method and device

Abstract

The application relates to the technical field of safety control, in particular to a financial risk safety early warning method and device. A management personnel sends a transaction plan for a financial service. A candidate transaction point set whose transaction completion time is before the plan execution time is matched from a navigation area transaction point set library. A plurality of candidate transaction point set groups are detected from the candidate transaction point set. A plurality of transaction menus respectively associated with the plurality of candidate transaction point set groups are obtained based on the candidate transaction amounts and candidate transaction point numbers associated with the candidate transaction point sets of the plurality of candidate transaction point set groups. The plurality of transaction menus are provided to the management personnel. The application can accurately plan the financial risk safety of a plurality of transaction point sets in the financial service process, avoid the risk caused by high concurrency, and maximize the transaction quality.

Description

TECHNICAL FIELD

[0001] The present application relates to the technical field of security control, in particular to a financial risk security-oriented early warning method and device. BACKGROUND

[0002] In the traditional field of financial product risk management, risk assessment and early warning mainly rely on historical data analysis, market monitoring and expert experience. These methods usually include quantitative analysis of market volatility, credit rating, liquidity indicators and operational risk. Some methods of the prior art can help financial product management companies identify and prevent potential risks to some extent, but they often rely on the accuracy of historical data and the stability of market conditions, and have limited real-time monitoring and systemic risk prediction capabilities.

[0003] When banks, loan companies and other financial institutions conduct financial transactions, security is particularly important. When conducting large-scale, multi-threaded financial transactions, the probability of being attacked and breached due to negligence is greatly increased. Therefore, in order to better allocate resources for security scheduling, the problem of security access control resource scheduling for multiple financial services needs to be solved. SUMMARY

[0004] To achieve the above-mentioned purpose, the present application provides the following technical scheme:

[0005] According to the first aspect of the present application, the present application claims a financial risk security-oriented early warning method, comprising:

[0006] Obtaining a transaction plan for a financial service sent by a manager, extracting transaction plan attribute features of the transaction plan;

[0007] From the transaction point set library of the navigation area, matching a candidate transaction point set whose transaction completion time is before the transaction plan execution time;

[0008] From the candidate transaction point set, clustering to obtain a plurality of candidate transaction point set groups;

[0009] Based on the candidate transaction amount and the number of candidate transaction points associated with each candidate transaction point set of the plurality of candidate transaction point set groups, obtaining a plurality of transaction menus respectively associated with the plurality of candidate transaction point set groups;

[0010] Providing a plurality of transaction menus to the manager.

[0011] Further, the obtaining of the transaction plan for the financial service sent by the manager and the extraction of the transaction plan attribute features of the transaction plan further comprise:

[0012] The manager obtains multiple pending financial transactions from the financial business and sorts them according to their risk levels.

[0013] Identify the financial transactions with the highest risk level and collect the transaction plans from those transactions.

[0014] Extract the corresponding transaction plan attribute features from the transaction plan, wherein the transaction plan attribute features include at least the transaction plan execution time of the transaction plan.

[0015] Furthermore, the step of matching a set of candidate transaction points whose transaction completion time is before the transaction plan execution time from the transaction point set library in the navigation area also includes:

[0016] The administrator obtains the POI of the financial business from the financial business to be processed and uses the POI as the navigation area.

[0017] Analyze the transaction node set of each of the financial business POIs and extract the transaction completion time of the transaction node set;

[0018] The transaction completion time of the transaction node set is compared with the transaction plan execution time of the transaction plan, and the transaction node set corresponding to the transaction completion time before the transaction plan execution time is selected as the candidate transaction point set.

[0019] Furthermore, the step of clustering multiple candidate transaction point sets from the candidate transaction point set also includes:

[0020] Obtain the transaction clustering features of each transaction point in the candidate transaction point set;

[0021] Based on the transaction clustering features, the candidate transaction point set is clustered to obtain multiple candidate transaction point set groups.

[0022] Furthermore, the process of obtaining multiple transaction menus associated with each candidate transaction point set based on the candidate transaction amount and the number of candidate transaction points associated with each candidate transaction point set group also includes:

[0023] Obtain the clustering features of the multiple candidate transaction point sets, and set a first transaction security strategy for the transaction point sets based on the clustering features;

[0024] Collect the candidate transaction amount and the number of candidate transaction points associated with each candidate transaction point set in the multiple candidate transaction point set groups to obtain the second transaction security strategy of the transaction point set group;

[0025] According to the first transaction security policy and the second transaction security policy, a plurality of transaction menus respectively associated with a plurality of candidate transaction point set groups are obtained.

[0026] According to the second aspect of the present application, the present application claims a financial risk security-oriented early warning device, comprising:

[0027] A plan acquisition module acquires a transaction plan for a financial service sent by a manager and extracts transaction plan attribute features of the transaction plan.

[0028] A navigation matching module matches a candidate transaction point set whose transaction completion time is before the transaction plan execution time from a transaction point set library of a navigation area.

[0029] A clustering module clusters a plurality of candidate transaction point set groups from the candidate transaction point set.

[0030] A menu generation module obtains a plurality of transaction menus respectively associated with the plurality of candidate transaction point set groups based on candidate transaction amounts and candidate transaction point numbers associated with each candidate transaction point set of the plurality of candidate transaction point set groups.

[0031] A display module provides the manager with a display of the plurality of transaction menus.

[0032] Further, the plan acquisition module further comprises:

[0033] The manager acquires a plurality of to-be-processed financial services from the financial services and sorts them according to risk levels.

[0034] The to-be-processed financial service with the highest risk level is acquired, and a transaction plan in the to-be-processed financial service is acquired.

[0035] Corresponding transaction plan attribute features are extracted from the transaction plan, and the transaction plan attribute features at least include a transaction plan execution time of the transaction plan.

[0036] Further, the navigation matching module further comprises:

[0037] The manager acquires financial service POIs from the to-be-processed financial services and takes the financial service POIs as navigation areas.

[0038] Each of the financial service POIs is analyzed to extract transaction node set transaction completion times.

[0039] The transaction node set transaction completion times and the transaction plan execution time are compared, and the transaction node set corresponding to the transaction completion time before the transaction plan execution time is taken as a candidate transaction point set.

[0040] Further, the clustering module further comprises:

[0041] Obtaining transaction clustering features of each transaction point in the candidate transaction point set;

[0042] Clustering and dividing the candidate transaction point set according to the transaction clustering features to obtain a plurality of candidate transaction point set groups.

[0043] Further, the menu generation module further comprises:

[0044] Obtaining clustering features of the plurality of candidate transaction point set groups, and setting a first transaction security policy of the transaction point set group based on the clustering features;

[0045] Obtaining candidate transaction amounts and candidate transaction point numbers associated with each candidate transaction point set of the plurality of candidate transaction point set groups to obtain a second transaction security policy of the transaction point set group;

[0046] Obtaining a plurality of transaction menus respectively associated with the plurality of candidate transaction point set groups according to the first transaction security policy and the second transaction security policy.

[0047] The present application relates to the technical field of security control, and particularly relates to a warning method and device for financial risk security, obtaining a transaction plan for a financial business sent by a manager; matching a candidate transaction point set with a transaction completion time before a plan execution time from a transaction point set library of a navigation area; detecting a plurality of candidate transaction point set groups from the candidate transaction point set; obtaining a plurality of transaction menus respectively associated with the plurality of candidate transaction point set groups based on candidate transaction amounts and candidate transaction point numbers associated with each candidate transaction point set of the plurality of candidate transaction point set groups; and providing the plurality of transaction menus to the manager. The present application particularly accurately plans financial risk security for a plurality of transaction point sets in a financial business process, avoids risks caused by high concurrency, and can maximize the guarantee of transaction quality. BRIEF DESCRIPTION OF DRAWINGS

[0048] Figure 1 A work flow chart of a warning method for financial risk security claimed by an embodiment of the present application;

[0049] Figure 2 A second work flow chart of a warning method for financial risk security claimed by an embodiment of the present application;

[0050] Figure 3 A third work flow chart of a warning method for financial risk security claimed by an embodiment of the present application;

[0051] Figure 4 A fourth workflow diagram of a financial risk security early warning method claimed by the embodiments of the present application;

[0052] Figure 5 A structure module diagram of a financial risk security early warning device claimed by the embodiments of the present application. DETAILED DESCRIPTION

[0053] The technical solutions in the embodiments of the present application will be clearly and completely described in combination with the drawings in the embodiments of the present application. Obviously, the described embodiments are only a part of the embodiments of the present application, rather than all the embodiments of the present application. Based on the embodiments in the present application, all other embodiments obtained by a person of ordinary skill in the art without creative work fall within the scope of protection of the present application.

[0054] The terms “first”, “second”, “third” in the present application are only for descriptive purpose, and cannot be understood as indicating or implying relative importance or implicitly indicating the number of the indicated technical features. Therefore, the features defined with “first”, “second”, “third” can explicitly or implicitly include at least one of the features. In the description of the present application, the meaning of “plurality” is at least two, such as two, three, etc., unless otherwise explicitly and specifically limited. All directional indications (such as up, down, left, right, front, back, etc.) in the embodiments of the present application are only used to explain the relative position relationship, movement condition, etc. between components in a certain posture (as shown in the drawings), and if the certain posture changes, the directional indications also change accordingly. In addition, the terms “include” and “have” and any variations thereof are intended to cover non-exclusive inclusion. For example, a process, method, system, product or device including a series of steps or units is not limited to the listed steps or units, but can optionally include steps or units not listed, or can optionally include other steps or units inherent to the process, method, product or device.

[0055] In this document, the term “embodiment” means that a particular feature, structure, or characteristic described in connection with the embodiment can be included in at least one embodiment of the present application. The appearance of this phrase in various places in the specification does not necessarily all refer to the same embodiment, nor is it necessarily mutually exclusive of other embodiments. It is explicitly and implicitly understood that the embodiments described herein can be combined with other embodiments.

[0056] According to the first embodiment of the present application, the present application claims a financial risk security early warning method, with reference to Figure 1 , comprising:

[0057] obtaining a transaction plan for a financial service sent by a manager, extracting a transaction plan attribute feature of the transaction plan;

[0058] from a transaction point set library of a navigation area, matching a candidate transaction point set whose transaction completion time is before the transaction plan execution time;

[0059] from the candidate transaction point set, clustering to obtain a plurality of candidate transaction point set groups;

[0060] based on the candidate transaction amount and the number of candidate transaction points associated with each candidate transaction point set of the plurality of candidate transaction point set groups, obtaining a plurality of transaction menus respectively associated with the plurality of candidate transaction point set groups;

[0061] providing the manager with a display of the plurality of transaction menus.

[0062] Wherein, the embodiments of the present application are mainly implemented for financial institutions such as banks, loan companies, etc., and the security problem is particularly important when performing financial transactions. When performing large, multi-threaded financial transactions, the probability of being attacked and broken by negligence is greatly increased, therefore, in order to better allocate resources reasonably for security scheduling, the embodiments are aimed at the security access control resource scheduling problem when multiple financial services are performed.

[0063] Further, the manager sends a transaction plan for a financial service, extracts a transaction plan attribute feature of the transaction plan, and refers to Figure 2 , further comprising:

[0064] The manager obtains a plurality of to-be-processed financial services from the financial services, and sorts them according to their risk levels;

[0065] obtaining a to-be-processed financial service with the highest risk level, and collecting a transaction plan in the to-be-processed financial service;

[0066] extracting a corresponding transaction plan attribute feature from the transaction plan, the transaction plan attribute feature at least including a transaction plan execution time of the transaction plan.

[0067] Wherein, in this embodiment, the manager is a manager of a bank, a loan company or other financial institution;

[0068] The plurality of to-be-processed financial services are to-be-processed services with fund flow between the financial institution and each cooperative unit, such as loans, deposits, payments, etc.;

[0069] The risk level of the to-be-processed financial service is positively related to the importance of the cooperative unit and the amount of the to-be-processed financial service;

[0070] acquire a highest-risk financial business to be processed from the financial businesses to be processed, and collect a specific transaction plan in the highest-risk financial business;

[0071] The transaction plan has specific attribute characteristics, such as a transaction plan introduction of the transaction plan, a transaction plan execution time of the transaction plan, a transaction plan object of the transaction plan, a transaction plan amount of the transaction plan, and the like.

[0072] Further, referring to Figure 3 , the method further comprises:

[0073] The manager acquires a financial business POI from the financial businesses to be processed, and takes the financial business POI as a navigation area;

[0074] The method further comprises:

[0075] The method further comprises:

[0076] In this embodiment, the navigation area is a financial business POI area of a cooperative unit, for example, the cooperative unit is A hospital, and a POI area in which the A hospital cooperates with a financial institution and in which a financial business exists is set as the navigation area;

[0077] In the navigation area, there are a plurality of transaction nodes constituting a transaction node set, such as an outpatient transaction node, an emergency transaction node, and an inpatient transaction node;

[0078] The related transaction business of each transaction node has a corresponding transaction completion time;

[0079] In order to avoid the formation of a transaction plan of a target business by other businesses and the interference of the other businesses on the target business, and to increase the subsequent financial transaction risk, the method further comprises:

[0080] For example, a certain bank has financial business dealings with a plurality of units, in which the priority of a B real estate company is the highest, and the financial business with the B real estate company is acquired as a transaction plan;

[0081] The completion time of the transaction plan is August 30, 2024;

[0082] The bank also has ongoing financial business with A hospital, with a first outpatient transaction node, a first emergency transaction node, and a first inpatient transaction node;

[0083] The transaction completion time of the first outpatient transaction node is August 10, 2024, the transaction completion time of the first emergency transaction node is September 10, 2024, and the transaction completion time of the first inpatient transaction node is August 20, 2024;

[0084] By comparing the completion times of the first outpatient transaction node and the first inpatient transaction node before the transaction plan execution time, the corresponding transaction node set is taken as a candidate transaction point set.

[0085] Further, the clustering of the candidate transaction point set to obtain a plurality of candidate transaction point set groups further comprises:

[0086] Obtain the transaction clustering features of each transaction point in the candidate transaction point set;

[0087] According to the transaction clustering features, the candidate transaction point set is clustered and divided to obtain a plurality of candidate transaction point set groups.

[0088] In this embodiment, the clustering features at least include the object type and size of the POI;

[0089] The bank also has ongoing financial business with C hospital, with a second outpatient transaction node, a second emergency transaction node, and a third inpatient transaction node, and through time comparison, the second outpatient transaction node and the second emergency transaction node are obtained as a candidate transaction point set;

[0090] According to the clustering of the POI object type, the first outpatient transaction node and the second outpatient transaction node can be clustered as a candidate transaction point set group.

[0091] Further, based on the candidate transaction amount and the number of candidate transaction points associated with each candidate transaction point set of the plurality of candidate transaction point set groups, a plurality of transaction menus respectively associated with the plurality of candidate transaction point set groups are obtained, and the plurality of transaction menus are obtained. Figure 4 Further comprising:

[0092] Obtain the clustering features of the plurality of candidate transaction point set groups, and set the first transaction security policy of the transaction point set group based on the clustering features;

[0093] Collect the candidate transaction amount and the number of candidate transaction points associated with each candidate transaction point set of the plurality of candidate transaction point set groups to obtain the second transaction security policy of the transaction point set group;

[0094] According to the first transaction security policy and the second transaction security policy, a plurality of transaction menus respectively associated with a plurality of candidate transaction point set groups are obtained.

[0095] In this embodiment, the first transaction security policy is set based on clustering features, i.e., transaction POI type and size;

[0096] The first transaction security policy sets a specific facial recognition organ. Since most people in the hospital wear masks, the specific facial recognition can be set as eye recognition instead of overall face recognition.

[0097] The first transaction security policy also includes setting a specific signature strategy. Since most people in the hospital have different handwriting from ordinary people, a specific signature can be set according to a specific object POI.

[0098] The second transaction security policy is set based on candidate transaction amount and candidate transaction point number. In principle, the more the amount and the more the transaction points, the higher the transaction security policy.

[0099] For example, the second transaction security policy can specifically set password length, password character type, etc.

[0100] According to the second embodiment of the present application, the present application claims to protect a financial risk safety early warning device, referring to Figure 5 , comprising:

[0101] A plan acquisition module acquires a transaction plan for a financial service sent by a manager and extracts transaction plan attribute features of the transaction plan.

[0102] A navigation matching module matches a candidate transaction point set from a transaction point set library of a navigation area, the candidate transaction point set having a transaction completion time before the transaction plan execution time.

[0103] A clustering module clusters a plurality of candidate transaction point set groups from the candidate transaction point set.

[0104] A menu generation module obtains a plurality of transaction menus respectively associated with a plurality of candidate transaction point set groups based on candidate transaction amounts and candidate transaction point numbers of each candidate transaction point set of the plurality of candidate transaction point set groups.

[0105] A display module provides a display of the plurality of transaction menus to the manager.

[0106] Further, the plan acquisition module further comprises:

[0107] The manager acquires a plurality of to-be-processed financial services from the financial service and sorts them according to risk levels.

[0108] Obtain a highest-risk-to-be-processed financial service from the to-be-processed financial services, and collect a transaction plan in the to-be-processed financial service;

[0109] Extract a corresponding transaction plan attribute feature from the transaction plan, the transaction plan attribute feature at least including a transaction plan execution time of the transaction plan.

[0110] Further, the navigation matching module further comprises:

[0111] A manager obtains a financial service POI from the to-be-processed financial service, and takes the financial service POI as a navigation area;

[0112] Analyze a transaction node set of each of the financial service POIs, and extract a transaction completion time of the transaction node set;

[0113] Compare the transaction completion time of the transaction node set with the transaction plan execution time of the transaction plan, and take a transaction node set corresponding to a transaction completion time before the transaction plan execution time as a candidate transaction point set.

[0114] Further, the clustering module further comprises:

[0115] Obtain a transaction clustering feature of each transaction point in the candidate transaction point set;

[0116] Cluster and divide the candidate transaction point set according to the transaction clustering feature, and obtain a plurality of candidate transaction point set groups.

[0117] Further, the menu generation module further comprises:

[0118] Obtain a clustering feature of the plurality of candidate transaction point set groups, and set a first transaction security strategy of the transaction point set group based on the clustering feature;

[0119] Collect a candidate transaction amount and a candidate transaction point number associated with each candidate transaction point set of the plurality of candidate transaction point set groups, and obtain a second transaction security strategy of the transaction point set group;

[0120] Obtain a plurality of transaction menus respectively associated with the plurality of candidate transaction point set groups according to the first transaction security strategy and the second transaction security strategy.

[0121] In several embodiments provided in the present application, it should be understood that the disclosed system, device and method can be implemented in other manners. For example, the division of the units is only a logical function division, and there can be another division manner for the actual implementation, for example, multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. In addition, the displayed or discussed mutual couplings or direct couplings or communication connections between different units, or the among different units, can be indirect couplings or communication connections through some interfaces, devices or units, and can be in electrical, mechanical or other forms.

[0122] In addition, each function unit in the various embodiments of the present application can be integrated into a processing unit, or each unit can exist alone physically, or two or more units can be integrated into one unit. The integrated unit can be implemented in the form of hardware, or in the form of a software functional unit. The above is only an embodiment of the present application, and does not limit the patent scope of the present application. Any equivalent structure or equivalent process transformation using the content of the present application specification and drawings, or direct or indirect application in other related technical fields, are also included in the patent protection scope of the present application.

[0123] The specific embodiments of the application are described in detail above, but they are only examples. The present application is not limited to the specific embodiments described above. Any equivalent modification or substitution made by those skilled in the art to the present application is also within the scope of the present application. Therefore, any equivalent transformation and modification, improvement, etc. made without departing from the spirit and principle range of the present application should be included in the scope of the present application.

Claims

1. A method for early warning of financial risk security, characterized in that, include: Obtain the transaction plan for financial business sent by the management personnel, and extract the transaction plan attribute features of the transaction plan; Managers obtain the Points of Interest (POIs) of financial transactions from the pending financial transactions and use these POIs as navigation areas. Analyze the transaction node set of each of the financial business POIs and extract the transaction completion time of the transaction node set; Compare the transaction completion time of the transaction node set with the transaction plan execution time of the transaction plan, and take the transaction node set corresponding to the transaction completion time before the transaction plan execution time as the candidate transaction point set; Multiple candidate transaction point sets are obtained by clustering from the candidate transaction point set; Obtain the clustering features of the multiple candidate transaction point sets, and set a first transaction security strategy for the transaction point sets based on the clustering features; Collect the candidate transaction amount and the number of candidate transaction points associated with each candidate transaction point set in the multiple candidate transaction point set groups to obtain the second transaction security strategy of the transaction point set group; Based on the first transaction security strategy and the second transaction security strategy, multiple transaction menus are obtained that are respectively associated with multiple candidate transaction point sets; Provide administrators with a menu that displays multiple transactions.

2. The early warning method for financial risk security as described in claim 1, characterized in that, The step of obtaining the transaction plan for financial business sent by the management personnel and extracting the transaction plan attribute features of the transaction plan also includes: The manager obtains multiple pending financial transactions from the financial business and sorts them according to their risk levels. Identify the financial transactions with the highest risk level and collect the transaction plans from those transactions. Extract the corresponding transaction plan attribute features from the transaction plan, wherein the transaction plan attribute features include at least the transaction plan execution time of the transaction plan.

3. The early warning method for financial risk security as described in claim 2, characterized in that, The step of clustering multiple candidate transaction point sets from the candidate transaction point set further includes: Obtain the transaction clustering features of each transaction point in the candidate transaction point set; Based on the transaction clustering features, the candidate transaction point set is clustered to obtain multiple candidate transaction point set groups.

4. An early warning device for financial risk security, characterized in that, include: The plan acquisition module acquires transaction plans for financial business sent by management personnel and extracts the transaction plan attribute features of the transaction plans; The navigation matching module allows administrators to obtain financial business points of interest (POIs) from the pending financial transactions and use these POIs as navigation areas. Analyze the transaction node set of each of the financial business POIs and extract the transaction completion time of the transaction node set; Compare the transaction completion time of the transaction node set with the transaction plan execution time of the transaction plan, and take the transaction node set corresponding to the transaction completion time before the transaction plan execution time as the candidate transaction point set; The clustering module clusters multiple candidate transaction point sets from the candidate transaction point set. The menu generation module obtains the clustering features of the multiple candidate transaction point sets and sets a first transaction security strategy for the transaction point sets based on the clustering features. Collect the candidate transaction amount and the number of candidate transaction points associated with each candidate transaction point set in the multiple candidate transaction point set groups to obtain the second transaction security strategy of the transaction point set group; Based on the first transaction security strategy and the second transaction security strategy, multiple transaction menus are obtained that are respectively associated with multiple candidate transaction point sets; The display module provides administrators with a menu that displays multiple transaction options.

5. The early warning device for financial risk security as described in claim 4, characterized in that, The planned data acquisition module also includes: The manager obtains multiple pending financial transactions from the financial business and sorts them according to their risk levels. Identify the financial transactions with the highest risk level and collect the transaction plans from those transactions. Extract the corresponding transaction plan attribute features from the transaction plan, wherein the transaction plan attribute features include at least the transaction plan execution time of the transaction plan.

6. The early warning device for financial risk security as described in claim 5, characterized in that, The clustering module further includes: Obtain the transaction clustering features of each transaction point in the candidate transaction point set; Based on the transaction clustering features, the candidate transaction point set is clustered to obtain multiple candidate transaction point set groups.

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