Abnormal fund flow monitoring and management system based on behavior perception

Abstract

The present invention relates to the technical field of financial transactions, and in particular, to an abnormal fund flow monitoring and management system based on behavior perception. The system comprises a bank card status acquisition module, a cardholder behavior information pre-acquisition module, an actual controller identity authentication module, and an idle card disposal management module, wherein: the bank card status acquisition module acquires the cardholder's usage habits, and identifies the common bank cards and idle bank cards under the cardholder's name based on the usage habits; in the abnormal fund flow monitoring and management system based on behavior perception, the cardholder's transaction habits in normal transactions are acquired by using the trial information, and when an idle bank card transaction occurs, the cardholder is placed in a monitorable environment by adding a verification location, and the actual behavior of the cardholder during the idle bank card transaction is acquired by using the monitorable environment, and then the idle bank card's fund behavior is judged based on the transaction habits, thereby reducing the false freezing rate of the idle bank card.

Description

Technical Field

[0001] The present invention relates to the technical field of financial transactions, and in particular to an abnormal funds flow monitoring and management system based on behavior perception. Background Art

[0002] In the current abnormal fund flow monitoring and management system, by obtaining the transaction status of idle bank cards (such as the quick inflow and outflow of funds), it is possible to identify whether idle bank cards have abnormal fund flow behavior, and freeze idle bank cards with abnormal fund flow behavior.

[0003] However, in some families, some elderly people with limited mobility find it difficult to go to offline banks to handle services such as opening accounts, facial verification, and password changes. As a result, some cardholders lend their idle bank cards to their family members. However, when the family member's use of idle bank cards is similar to abnormal fund flow behavior (such as rapid inflow and outflow of funds), the current abnormal fund flow monitoring and management system will also freeze the bank card, thereby affecting the use of such normal cardholders. Summary of the invention

[0004] The purpose of the present invention is to provide an abnormal funds flow monitoring and management system based on behavior perception to solve the problems raised in the above background technology.

[0005] To achieve the above purpose, an abnormal fund flow monitoring and management system based on behavior perception is provided, including a bank card status collection module, a cardholder behavior information pre-collection module, an actual controller identity verification module, and an idle card disposal management module, wherein:

[0006] The bank card status acquisition module obtains the cardholder's usage habits and identifies the frequently used bank cards and idle bank cards under the cardholder's name based on the usage habits;

[0007] The cardholder behavior information pre-collection module establishes a probe information push platform to push probe information to cardholders who use common bank cards for offline transactions, and monitors the cardholders' behavior information when receiving the probe information to obtain transaction habits;

[0008] The actual controller identity verification module establishes a transaction verification platform for idle bank cards, uses the monitored area around the cardholder as the verification location, pushes risk information to the cardholder at the verification location, and collects the actual behavior information of the cardholder during the transaction at the verification location;

[0009] The idle card disposal management module calculates the relationship between the cardholder and the borrower according to the corresponding status of the actual behavior information and the transaction habits, and freezes the idle bank cards whose corresponding relationship is lower than a preset value.

[0010] As a further improvement of the technical solution, the method steps for the bank card status acquisition module to identify commonly used bank cards and idle bank cards are as follows:

[0011] S100A, obtain all bank cards under the cardholder's name;

[0012] S100B, collect the number of days between the last transaction time of all bank cards and the current time;

[0013] S100C, setting a qualitative threshold. When the interval number of days is greater than or equal to the qualitative threshold, the corresponding bank card is marked as an idle bank card. When the interval number of days is less than the qualitative threshold, the corresponding bank card is marked as a frequently used bank card.

[0014] As a further improvement of the technical solution, the method steps for the cardholder behavior information pre-collection module to establish a trial information push platform are as follows:

[0015] S200A, creating a trial message;

[0016] S200B, real-time acquisition of transaction attributes of commonly used bank cards;

[0017] S200C. Based on the transaction attributes, when the common bank card transaction method is an offline transaction, a test message is pushed to the cardholder's terminal device.

[0018] As a further improvement of the present technical solution, the content of the probe information is to remind the cardholder to avoid performing abnormal fund flow operations.

[0019] As a further improvement of the technical solution, the method steps for the cardholder behavior information pre-collection module to monitor the cardholder behavior information are as follows:

[0020] S200D, obtaining the transaction location of the commonly used bank card in S200C;

[0021] S200E, establishing a connection with a monitoring device located at the transaction location to obtain screen information of the cardholder during the transaction process;

[0022] S200F. Based on the screen information, collect the behavior information of the cardholder who receives the trial information, and generate the behavior information into transaction habits.

[0023] As a further improvement of the technical solution, the method steps for the actual controller identity verification module to establish a transaction verification platform for idle bank cards are as follows:

[0024] S300A, obtaining a public surveillance area near the cardholder;

[0025] S300B, establishing a connection with the monitoring equipment in the public monitoring area, and marking the successfully connected public monitoring area as a verification location;

[0026] S300C, monitor the transaction status of idle bank cards in real time, start the verification procedure when the idle bank cards transfer funds out, and set the verification condition to "within the verification location".

[0027] As a further improvement of the technical solution, the method steps for the actual controller identity authentication module to collect the actual behavior information of the cardholder are as follows:

[0028] S300D, create risk information;

[0029] S300E, obtaining the location of the cardholder, and when the cardholder is in the verification location, pushing the risk information to the cardholder's terminal device;

[0030] S300F. Obtain screen information of the verification location, collect behavior information of the cardholder who receives the risk information, and generate the behavior information into actual behavior information.

[0031] As a further improvement of the technical solution, the idle card disposal management module freezes idle bank cards in the following steps:

[0032] S400A, Get all the features in the trading habits ;

[0033] S400B, obtain the number of common features between actual behavior information and transaction habits ;

[0034] S400C, set similarity threshold , when the number of common features Total number of features <Similarity threshold When the number of common features is Total number of features ≥ Similarity threshold When the idle bank card is marked as a normal card;

[0035] S400D. Freeze idle bank cards marked as abnormal fund flow cards.

[0036] As a further improvement of this technical solution, the following method steps are also included:

[0037] S400E: When the actual behavior information and transaction habits have the same number of features The total number of characteristics in the trading habits When they are equal, mark the corresponding normal card as a relative card;

[0038] S400F, freeze normal cards that are not marked as relative cards.

[0039] Compared with the prior art, the present invention has the following beneficial effects:

[0040] 1. In the abnormal fund flow monitoring and management system based on behavior perception, the trial information is used to obtain the transaction habits of the cardholder in normal transactions. When there is a transaction with an idle bank card, the cardholder is placed in a monitored environment by adding verification locations. The monitored environment is used to obtain the actual behavior of the cardholder during the idle bank card transaction. Then, based on the transaction habits, the fund behavior of the idle bank card is judged to reduce the false freezing rate of idle bank cards.

[0041] 2. In the abnormal fund flow monitoring and management system based on behavior perception, the cardholder's understanding of the idle bank card is obtained through the first trial and the second verification. The closeness of the relationship between the borrower and the cardholder is obtained through the understanding of the status, and ordinary idle bank cards are actively frozen based on the closeness of the relationship, thereby avoiding the subsequent abnormal fund flow behavior of ordinary idle bank cards. BRIEF DESCRIPTION OF THE DRAWINGS

[0042] Figure 1 A block diagram of the overall modules of the present invention;

[0043] The meaning of each number in the figure is:

[0044] 100. Bank card status collection module; 200. Cardholder behavior information pre-collection module; 300. Actual controller identity verification module; 400. Idle card disposal management module. DETAILED DESCRIPTION

[0045] The following will be combined with the accompanying drawings in the present invention to clearly and completely describe the technical solutions in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0046] Since the facial information bound to the idle bank card is the cardholder's information, the borrower needs to use the cardholder for facial verification when using the idle bank card to transfer money. For example, if borrower A needs to transfer the funds on the idle bank card, borrower A needs to contact the cardholder to transfer the money.

[0047] See also Figure 1 As shown, an abnormal fund flow monitoring and management system based on behavior perception is provided, including a bank card status acquisition module 100, a cardholder behavior information pre-acquisition module 200, an actual controller identity authentication module 300, and an idle card disposal management module 400, wherein:

[0048] The bank card status acquisition module 100 obtains the cardholder's usage habits and identifies the commonly used bank cards and idle bank cards under the cardholder's name based on the usage habits. The steps of the bank card status acquisition module 100 for identifying commonly used bank cards and idle bank cards are as follows:

[0049] S100A, obtain all bank cards under the cardholder's name;

[0050] S100B, collect the number of days between the last transaction time of all bank cards and the current time;

[0051] S100C, setting a qualitative threshold. When the interval number of days is greater than or equal to the qualitative threshold, the corresponding bank card is marked as an idle bank card. When the interval number of days is less than the qualitative threshold, the corresponding bank card is marked as a frequently used bank card.

[0052] For example, a cardholder has three bank cards, A, B, and C. The last transaction of bank card A was 5 days ago, the last transaction of bank card B was 50 days ago, and the last transaction of bank card C was 70 days ago. Assuming the qualitative threshold is 45 days, bank card B and bank card C are both idle bank cards, and bank card A is a frequently used bank card.

[0053] The cardholder behavior information pre-collection module 200 establishes a probing information push platform to push probing information to cardholders who use common bank cards for offline transactions, and monitors the cardholders' behavior information when receiving the probing information to obtain transaction habits;

[0054] The actual controller identity verification module 300 establishes a transaction verification platform for idle bank cards, uses the monitored area around the cardholder as the verification location, pushes risk information to the cardholder at the verification location, and collects the actual behavior information of the cardholder during the transaction at the verification location;

[0055] The idle card disposal management module 400 calculates the relationship between the cardholder and the borrower according to the corresponding status of the actual behavior information and the transaction habits, and freezes the idle bank cards whose corresponding relationship is lower than a preset value.

[0056] That is to say, the trial information is used to obtain the cardholder's transaction habits during normal transactions, and when idle bank card transactions occur, the cardholder is placed in a monitored environment by adding verification locations, and the monitored environment is used to obtain the cardholder's actual behavior during idle bank card transactions. Then, based on the transaction habits, the financial behavior of the idle bank card is judged to reduce the rate of erroneous freezing of idle bank cards.

[0057] When it is known that the cardholder has an idle bank card, it means that the cardholder may lend the idle bank card to others in the future. Therefore, the present invention collects the cardholder's behavior in advance to facilitate subsequent verification. This is done specifically by the cardholder behavior information pre-collection module 200. The steps of the method for establishing a trial information push platform by the cardholder behavior information pre-collection module 200 are as follows:

[0058] S200A, creating a probing message, the probing message being in the form of a pop-up window or a text message, the content of which at least includes reminding the cardholder to avoid performing abnormal fund flow operations;

[0059] S200B, real-time acquisition of transaction attributes of commonly used bank cards, including cash withdrawal transactions, transfer transactions, etc.;

[0060] S200C. Based on the transaction attributes, when the common bank card transaction method is an offline transaction, the trial information is pushed to the cardholder's terminal device (such as a mobile phone, tablet computer, etc.).

[0061] For example, when a cardholder makes a cash withdrawal transaction at a bank's ATM, during the withdrawal process, a probe message is pushed to the cardholder's terminal device, and then the cardholder's behavior is observed.

[0062] Furthermore, the cardholder behavior information pre-collection module 200 monitors the cardholder behavior information in the following steps:

[0063] S200D, obtaining the transaction location of the commonly used bank card in S200C;

[0064] S200E, establishes a connection with the monitoring device at the transaction location to obtain the cardholder's image information during the transaction;

[0065] S200F. Based on the screen information, collect the behavior information of the cardholder who receives the trial information, and generate the behavior information into transaction habits.

[0066] For example, when a cardholder uses a commonly used bank card to withdraw cash at bank a, when the commonly used bank card is logged into the ATM of bank a, the ATM can locate the cardholder's position, and then establish a connection with the monitoring equipment around the ATM to monitor the cardholder. The cardholder's status when receiving the test text message can be monitored, and this status can provide a basis for judgment for subsequent verification.

[0067] Furthermore, the actual controller identity verification module 300 establishes a transaction verification platform for idle bank cards in the following steps:

[0068] S300A, obtaining a public surveillance area near the cardholder, such as a surveillance area within a residential area, a surveillance area around a road, etc.;

[0069] S300B, establishing a connection with the monitoring equipment in the public monitoring area, and marking the successfully connected public monitoring area as a verification location;

[0070] S300C, monitor the transaction status of idle bank cards in real time, start the verification procedure when the idle bank cards transfer funds out, and set the verification condition to "within the verification location".

[0071] For example, the cardholder is currently located in community a. At this time, it is obtained that there are monitoring areas a and b near community a, where the monitoring equipment corresponding to monitoring area a is the monitoring equipment in community a, and the monitoring equipment corresponding to monitoring area b is the monitoring equipment around the road. Then, by connecting the monitoring equipment in community a with the monitoring equipment around the road, assuming that the connection with the monitoring equipment in community a is successful, the monitoring area of ​​the monitoring equipment in community a is marked as the verification location. When an idle bank card needs to be transferred, the cardholder needs to be in the verification location for face verification to be performed, so that the public monitoring area near the cardholder can be used to monitor the cardholder.

[0072] In addition, the actual controller identity verification module 300 collects the actual behavior information of the cardholder in the following steps:

[0073] S300D. Create risk information, which is also in the form of a pop-up window or SMS, and its content at least includes reminding the cardholder to avoid abnormal fund flow operations;

[0074] S300E, obtain the location of the cardholder, and when the cardholder is in the verification location, push the risk information to the cardholder's terminal device (such as a mobile phone, tablet computer, etc.);

[0075] S300F. Obtain screen information of the verification location, collect behavior information of the cardholder who receives the risk information, and generate the behavior information into actual behavior information.

[0076] In other words, after obtaining the cardholder's picture, risk information can be pushed, that is, the cardholder will receive risk information during the transfer verification process, and then the cardholder's actual behavior information after receiving the risk information will be collected through the monitoring equipment at the verification location, and then the actual behavior information will be analyzed to freeze the idle bank card.

[0077] Next, the idle card disposal management module 400 freezes the idle bank card in the following steps:

[0078] S400A, Get all the features in the trading habits ;

[0079] S400B, obtain the number of common features between actual behavior information and transaction habits ;

[0080] S400C, set similarity threshold , when the number of common features Total number of features <Similarity threshold When the number of common features is Total number of features ≥ Similarity threshold When , the idle bank card is marked as a normal card, where the number of common features / Total number of features Indicates the degree of relationship between the cardholder and the borrower, similarity threshold Indicates the preset value;

[0081] S400D. Freeze idle bank cards marked as abnormal fund flow cards.

[0082] For example, the total number of features in trading habits The total number of features in the actual behavior information is the cardholder clicking on information, viewing information, locking the screen, and driving away. The total number of features in the actual behavior information is the cardholder clicking on information, viewing information, making a phone call, and asking staff. At this point, we can get the number of features shared by the actual behavior information and transaction habits. Clicking on information and viewing information are the two behaviors, while making a phone call and asking staff are inconsistent with transaction habits, so the similarity between the two is 50%. Assume that the similarity threshold is set is 80%, then the idle bank card is an abnormal funds flow card.

[0083] Specifically, when a cardholder uses a commonly used bank card to withdraw cash, the cardholder's behavior status when receiving a trial message is "after checking the trial message, ignore the trial message", indicating that the cardholder is aware of the source of funds for the transaction, and when the cardholder understands the source of funds, the cardholder's habit of receiving a trial message is to ignore the trial message.

[0084] When a cardholder lends an idle bank card to others, if the borrower needs to transfer money, the cardholder himself / herself will be required to undergo facial verification. After the cardholder arrives at the verification location, the cardholder will receive risk information.

[0085] If the cardholder's behavior status when receiving risk information is "after checking the risk information, ignore the trial information", this behavior status is the same as the behavior status of the above-mentioned cardholder when using a commonly used bank card, which means that the cardholder understands the source of funds of the cardholder, which means that the cardholder may be a relative of the cardholder.

[0086] If the cardholder's behavior status when receiving the risk information is "after checking the risk information, start calling to inquire", this behavior status is different from the behavior status of the above-mentioned cardholder when using a commonly used bank card, which means that the cardholder does not understand the source of funds of the cardholder and needs to inquire the cardholder, which means that the cardholder may use the cardholder's idle bank card to conduct abnormal fund flows.

[0087] Therefore, when the cardholder behaves in a manner that is different from his or her transaction habits (i.e., after checking the risk information, he or she starts making phone calls to inquire), the idle bank card will be frozen to prevent the transfer of abnormal funds from the idle bank card.

[0088] In addition, the abnormal funds flow monitoring and management system also includes the following method steps:

[0089] S400E: When the actual behavior information and transaction habits have the same number of features The total number of characteristics in the trading habits When they are equal, mark the corresponding normal card as a relative card;

[0090] S400F, freeze normal cards that are not marked as relative cards.

[0091] For example, the cardholder lends his idle bank card A to his mother, and the cardholder knows the details of his mother's funds. When the cardholder verifies the verification location, because the cardholder knows more about his mother, the cardholder performs the same behavior as the transaction habit, and the normal card is marked as a relative card.

[0092] The cardholder lent his idle bank card B to his friend, but he did not know the details of his friend's funds. When the cardholder verifies the verification location, due to the lack of knowledge of the funds, the cardholder will basically not behave in the same way as the transaction habit. At this time, the normal card will be actively frozen to prevent the cardholder's friend from using the idle bank card B for abnormal fund flow in the future.

[0093] It can be seen from this that the cardholder's understanding of the idle bank card can be obtained through the first trial and the second verification, and the closeness of the relationship between the borrower and the cardholder can be obtained through the understanding of the status. Ordinary idle bank cards and non-relative cards can be actively frozen based on the closeness of the relationship, thereby avoiding abnormal fund flows in ordinary idle bank cards in the future.

[0094] The above shows and describes the basic principles, main features and advantages of the present invention. Those skilled in the art should understand that the present invention is not limited by the above embodiments. The above embodiments and descriptions are only preferred examples of the present invention and are not intended to limit the present invention. Without departing from the spirit and scope of the present invention, the present invention may have various changes and improvements, which fall within the scope of the present invention. The scope of protection of the present invention is defined by the attached claims and their equivalents.

Claims

1. The abnormal funds flow monitoring and management system based on behavior perception is characterized by: The system comprises a bank card status collection module (100), a cardholder behavior information pre-collection module (200), an actual controller identity verification module (300), and an idle card disposal management module (400), wherein: The bank card status acquisition module (100) obtains the cardholder's usage habits and identifies the frequently used bank cards and idle bank cards in the cardholder's name based on the usage habits; The cardholder behavior information pre-collection module (200) establishes a probe information push platform to push probe information to cardholders who use common bank cards for offline transactions, and monitors the behavior information of the cardholders when receiving the probe information to obtain transaction habits; The actual controller identity verification module (300) establishes a transaction verification platform for idle bank cards, uses the monitored area around the cardholder as the verification location, pushes risk information to the cardholder at the verification location, and collects actual behavior information of the cardholder during the transaction at the verification location; The idle card disposal management module (400) calculates the relationship between the cardholder and the borrower according to the corresponding status of the actual behavior information and the transaction habits, and freezes the idle bank cards whose corresponding relationship is lower than a preset value; The content of the test information is to remind the cardholder to avoid abnormal fund flow operations; The degree of relationship between the cardholder and the borrower = the number of features shared by the actual behavior information and transaction habits A behavior / Total number of features in trading habits R behavior .

2. The abnormal funds flow monitoring and management system based on behavior perception according to claim 1 is characterized by: The method steps for the bank card status acquisition module (100) to identify commonly used bank cards and idle bank cards are as follows: S100A, obtain all bank cards under the cardholder's name; S100B, collect the number of days between the last transaction time of all bank cards and the current time; S100C, setting a qualitative threshold. When the interval number of days is greater than or equal to the qualitative threshold, the corresponding bank card is marked as an idle bank card. When the interval number of days is less than the qualitative threshold, the corresponding bank card is marked as a frequently used bank card.

3. The abnormal funds flow monitoring and management system based on behavior perception according to claim 1 is characterized by: The method steps for the cardholder behavior information pre-collection module (200) to establish a trial information push platform are as follows: S200A, create a trial message; S200B, real-time acquisition of transaction attributes of commonly used bank cards; S200C. Based on the transaction attributes, when the common bank card transaction method is an offline transaction, a test message is pushed to the cardholder's terminal device.

4. The abnormal funds flow monitoring and management system based on behavior perception according to claim 3 is characterized by: The method steps of the cardholder behavior information pre-collection module (200) for monitoring the cardholder behavior information are as follows: S200D, obtaining the transaction location of the commonly used bank card in S200C; S200E, establishing a connection with a monitoring device located at the transaction location to obtain screen information of the cardholder during the transaction process; S200F. Based on the screen information, collect the behavior information of the cardholder who receives the trial information, and generate the behavior information into transaction habits.

5. The abnormal funds flow monitoring and management system based on behavior perception according to claim 4 is characterized by: The method steps of the actual controller identity verification module (300) for establishing a transaction verification platform for idle bank cards are as follows: S300A, obtaining a public surveillance area near the cardholder; S300B, establishing a connection with the monitoring equipment in the public monitoring area, and marking the successfully connected public monitoring area as a verification location; S300C, monitor the transaction status of idle bank cards in real time, start the verification procedure when the idle bank cards transfer funds out, and set the verification condition to "within the verification location".

6. The abnormal funds flow monitoring and management system based on behavior perception according to claim 5 is characterized by: The method steps for the actual controller identity verification module (300) to collect the actual behavior information of the cardholder are as follows: S300D, create risk information; S300E, obtaining the location of the cardholder, and when the cardholder is in the verification location, pushing the risk information to the cardholder's terminal device; S300F. Obtain screen information of the verification location, collect behavior information of the cardholder who receives the risk information, and generate the behavior information into actual behavior information.

7. The abnormal funds flow monitoring and management system based on behavior perception according to claim 6 is characterized by: The idle card disposal management module (400) freezes idle bank cards in the following steps: S400A, obtain the total number of features R in the transaction habits behavior ; S400B, obtaining the number of features common to the actual behavior information and transaction habits A behavior ; S400C, setting similarity threshold S t , when the number of common features A behavior / Total number of features R behavior <Similarity threshold S t When the number of common features A behavior / Total number of features R behavior ≥ Similarity threshold S t When the idle bank card is marked as a normal card; S400D. Freeze idle bank cards marked as abnormal fund flow cards.

8. The abnormal funds flow monitoring and management system based on behavior perception according to claim 7 is characterized by: Also includes the following method steps: S400E, when the number of features common to the actual behavior information and the transaction habits is A behavior and the total number of features in trading habits R behavior When they are equal, mark the corresponding normal card as a relative card; S400F, freeze normal cards that are not marked as relative cards.

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