Police-bank combined anti-fraud method, system and equipment

Abstract

The invention provides a police-bank combined anti-fraud method, system and device, and the method comprises the steps: S1, obtaining the information of a law enforcement institution database through a bank terminal after the connection of a private network and a private line of a law enforcement institution terminal and a bank terminal is established, and carrying out the one-key fraud risk checking of a new account opening customer of a bank; s2, checking the risk of the stock card regularly through a law enforcement agency end; s3, a victim protection model is constructed according to rules set by a law enforcement agency, high-risk victim information is analyzed by capturing bank client flow data, early warning is carried out, the high-risk victim information is pushed to the law enforcement agency end in real time, and the law enforcement agency end further screens and checks a suspicious account list and returns the suspicious account list to the bank end; and S4, the head office of the bank end directly checks the suspicious account list returned by the law enforcement agency end and executes account management and control. According to the invention, rapid and accurate fraud prevention can be realized, and the property safety of the masses is guaranteed.

Description

Technical Field

[0001] The present invention relates to the technical fields of financial security and fraud prevention, and in particular, to a joint police-bank anti-fraud method, system and device. Background Art

[0002] Currently, there are various forms of financial crimes, which not only cause serious economic losses to society, but also pose a serious threat to personal property safety.

[0003] To effectively address this issue, the cooperation between banks and law enforcement agencies has been continuously deepened. The police-bank cooperation model has played an important role in combating telecommunications network fraud, anti-money laundering, etc. For example, by establishing joint anti-fraud workstations, carrying out joint publicity, etc., it is possible to better prevent and combat financial crimes. In addition, banks have further fortified the funds safety line through measures such as strengthening internal risk control, enhancing employees' anti-fraud capabilities, and optimizing account management processes.

[0004] However, in the face of increasingly complex criminal means, the traditional police-bank cooperation model still has certain limitations. For example, when a network point needs to verify a suspicious account involved in fraud, it has to contact the local law enforcement department offline for verification, which is time-consuming, inefficient, and causes great dissatisfaction among customers, resulting in overall low efficiency. Therefore, it is urgent to study an efficient anti-fraud system for police-bank cooperation to reduce the risk of bank accounts being involved in cases. Summary of the Invention

[0005] The technical problem to be solved by the present invention is to provide a joint police-bank anti-fraud method, system and device, to realize a dynamic verification and prevention operation system before, during and after the event, and effectively combat money laundering and telecommunications network fraud illegal and criminal activities.

[0006] In the first aspect, the present invention provides a joint police-bank anti-fraud method, which includes: Step S1: After establishing a dedicated network connection between the law enforcement agency side and the bank side, obtain the law enforcement agency database information through the bank side to conduct a one-key anti-fraud risk investigation on newly opened bank customers; Step S2: Regularly conduct a risk investigation on the existing cards through the law enforcement agency side; Step S3: Construct a victim protection model according to the rules set by the law enforcement agency, analyze the high-risk victim information by capturing the customer transaction data on the bank side, issue an early warning, and push it to the law enforcement agency side in real time. The law enforcement agency side further screens and verifies the list of suspicious accounts and returns it to the bank side; Step S4: The head office of the bank side directly reviews the list of suspicious accounts returned by the law enforcement agency side and implements account control.

[0007] Further, the one-key anti-fraud risk screening in step S1 is specifically as follows: When a customer comes to the network point to handle account opening, calculate the preliminary risk score value according to the preset scoring rules based on the information in the law enforcement agency database. When the risk score value reaches the corresponding value, take corresponding handling measures. The basic information of the customer includes the customer's name, document type, document number, and mobile phone number.

[0008] Further, the existing cards include the accounts for enterprise payroll batch account opening and the accounts of those who have left their jobs or the jurisdiction. Use the idle time to conduct batch online risk screening on the existing cards, and take corresponding control measures for the existing cards with risks.

[0009] Further, step S3 is specifically as follows: Construct a victim protection model according to the rules set by the law enforcement agency. The victim protection model scores the accounts according to the given rules. The rules of the victim protection model include that the single transfer amount after the activation of the dormant account is greater than a certain amount and the scoring setting for the opening behavior of the transfer counterparty being a small bank. The rules are dynamically adjusted by the law enforcement agency side according to the recent case involvement situation. The bank side inputs the real-time fund transaction flow into the victim protection model for analysis and outputs the corresponding risk assessment report, and selects the accounts with a score exceeding a certain threshold as high-risk victim information and pushes it to the law enforcement agency side. The law enforcement agency side further screens and verifies the list of suspicious accounts and returns it to the bank side.

[0010] Further, the victim protection model in step S3 includes a score division module, a data input module, and a scoring module; the score division module is used to delimit different risk scoring items and corresponding risk score values according to the rules. The risk scoring items and risk score values in the score division module are dynamically updated according to the case involvement situation each month. The data input module is used to capture the real-time bank-side fund transaction flow data and input it into the victim protection model. The scoring module is used to statistically analyze the input data according to the scores of the score division module and output the corresponding risk assessment report. The risk assessment report includes the risk scoring items hit by the corresponding account and their corresponding risk score values, the risk assessment level, and the corresponding recommended measures.

[0011] In the second aspect, the present invention provides a police-bank joint anti-fraud system, which includes: A new account opening risk screening module, which is used to conduct one-key anti-fraud risk screening on new bank customers by obtaining the information in the law enforcement agency database through the bank side after establishing a dedicated network connection between the law enforcement agency side and the bank side; An existing card risk screening module, which is used to regularly screen the risks of existing cards through the law enforcement agency side; The victim protection model warning and push module is used to construct a victim protection model according to the rules set by the law enforcement agency. By capturing the customer transaction details at the bank end and analyzing the information of high-risk victims among them, it issues warnings and pushes them to the law enforcement agency end in real time. The law enforcement agency end further screens and verifies the list of suspicious accounts and returns it to the bank end; The suspicious account protection module is used for the head office of the bank to directly review the list of suspicious accounts returned by the law enforcement agency end and implement account control.

[0012] Furthermore, the one-key anti-fraud risk screening in the new account opening risk screening module is specifically as follows: when a customer comes to the network point to handle account opening, the preliminary risk score value is calculated according to the information in the law enforcement agency database and the preset scoring rules. When the risk score value reaches the corresponding value, corresponding handling measures are taken. The basic information of the customer includes the customer's name, document type, document number, and mobile phone number.

[0013] Furthermore, the existing cards include accounts for enterprise payroll batch account opening and accounts of personnel who have left their jobs or left the jurisdiction. Use idle time to conduct batch online risk screening on existing cards and take corresponding control measures for existing cards with risks.

[0014] Furthermore, the victim protection model warning and push module is specifically as follows: it is used to construct a victim protection model according to the rules set by the law enforcement agency. The victim protection model scores accounts according to the given rules. The rules of the victim protection model include that the single transfer amount after the dormant account is activated is greater than a certain amount and the scoring setting for the opening behavior of the transfer counterparty being a niche bank. The rules are dynamically adjusted by the law enforcement agency end according to the recent case involvement situation. The bank end inputs the real-time fund transaction details into the victim protection model for analysis and outputs the corresponding risk assessment report, and selects the accounts with a score exceeding a certain threshold as high-risk victim information and pushes it to the law enforcement agency end. The law enforcement agency end further screens and verifies the list of suspicious accounts and returns it to the bank end.

[0015] Furthermore, the victim protection model includes a score division module, a data input module, and a scoring module; the score division module is used to delimit different risk scoring items and corresponding risk score values according to the rules. The risk scoring items and risk score values in the score division module are dynamically updated according to the case involvement situation each month. The data input module is used to capture the real-time fund transaction details at the bank end and input them into the victim protection model. The scoring module is used to statistically analyze the input data according to the scores of the score division module and output the corresponding risk assessment report. The risk assessment report includes the risk scoring items hit by the corresponding account, their corresponding risk score values, the risk assessment level, and the corresponding recommended measures.

[0016] In a third aspect, the present invention provides an electronic device, including a memory, a processor, and a computer program stored on the memory and executable on the processor. When the processor executes the program, the method described in the first aspect is implemented.

[0017] The present invention has the following advantages: 1. Build a unified information sharing platform to achieve efficient communication and information sharing between the police and banks, provide effective clues for law enforcement agencies, jointly combat crimes, and firmly safeguard the property of the people. 2. By setting up risk inspections for newly opened bank accounts, risk inspections for existing cards, early warning push of victim protection models, and suspicious account protection modules, build a pre-event, in-event, and post-event verification and prevention operation system, further strengthen account risk management, and effectively combat money laundering and telecommunications network fraud crimes. 3. Integrate "business, technology, and data", empower anti-fraud work with technology, and apply advanced data analysis technologies such as big data processing to greatly reduce the workload of grass-roots work. BRIEF DESCRIPTION OF THE DRAWINGS

[0018] The present invention will be further described below with reference to the accompanying drawings in conjunction with embodiments.

[0019] Figure 1 It is a flowchart of the execution of a police-bank joint anti-fraud method in Embodiment 1 of the present invention.

[0020] Figure 2 It is a schematic structural diagram of a police-bank joint anti-fraud system in Embodiment 2 of the present invention.

[0021] Figure 3 It is a schematic structural diagram of an electronic device in Embodiment 3 of the present invention.

[0022] Figure 4 It is a schematic diagram of the business process architecture of the police-bank joint anti-fraud of the present invention. DETAILED DESCRIPTION OF THE EMBODIMENTS

[0023] By providing a police-bank joint anti-fraud method, system, and device in the embodiments of the present application, it aims to build a set of police-bank cooperation systems to effectively reduce the risk of bank accounts being involved in cases and protect the funds of the people.

[0024] The overall idea of the technical solution in the embodiments of this application is as follows: Promote the construction of the anti-fraud system and jointly explore a new model of police-bank cooperation with law enforcement agencies. The present invention provides a police-bank anti-fraud system. Through the financial private network as a link, functions such as risk investigation of newly opened bank accounts, risk investigation of existing cards, early warning push of the victim protection model, and stop payment protection of suspicious accounts are realized. Further strengthen account risk management, contain the risk of involved cases, integrate "business, technology, and data", empower anti-fraud work with technology, build a unified information sharing platform, and achieve efficient communication and information sharing between the police and the bank. Apply advanced data analysis technologies such as big data processing to establish a pre-event, in-event, and post-event verification and prevention operation system, effectively combat money laundering and telecommunications network fraud crimes, form a risk dynamic management mechanism, greatly reduce the workload of grass-roots work, strengthen monitoring means, strengthen risk prevention and control, and provide effective clues for law enforcement agencies to jointly combat crimes and firmly protect the property of the people.

[0025] To better understand the above technical solution, the technical solution of the present invention will be described in detail below in conjunction with the accompanying drawings of the specification and specific implementation manners.

[0026] Embodiment 1 This embodiment provides a police-bank joint anti-fraud method, as Figure 1 and Figure 4 shown. The method includes: Step S1: After establishing a dedicated network connection between the law enforcement agency side and the bank side, obtain the law enforcement agency database information through the bank side to conduct a one-key anti-fraud risk investigation on newly opened bank customers of the bank; Step S2: Regularly conduct a risk investigation on existing cards through the law enforcement agency side; Step S3: Construct a victim protection model according to the rules set by the law enforcement agency, analyze the high-risk victim information by capturing the customer transaction details of the bank side, give an early warning, and push it to the law enforcement agency side in real time. The law enforcement agency side further screens and verifies the list of suspicious accounts and returns it to the bank side; Step S4: The head office of the bank side directly reviews and executes account control on the list of suspicious accounts returned by the law enforcement agency side. After receiving the instruction sent by the law enforcement agency, the bank side can directly conduct review and execute account control and de-control by the head office, further improve information security, improve work efficiency, eliminate the operation risk of employees, provide assistance for law enforcement agencies to detect telecommunications network fraud cases, comprehensively improve the efficiency of police-bank linkage, and achieve precise anti-fraud. Among them, account control includes: stop payment, freeze, non-counter limit, temporary protection control, suspension of non-counter services, only receive and no pay, and neither receive nor pay.

[0027] Preferably, the one-key anti-fraud risk screening in step S1 is specifically as follows: when a customer comes to the network point to handle account opening, the preliminary risk score value is calculated according to the information in the law enforcement agency database according to the preset scoring rules. When the risk score value reaches the corresponding value, corresponding handling measures are taken. The basic information of the customer includes the customer's name, document type, document number, and mobile phone number. The one-key anti-fraud risk screening method of the present invention can be implemented by means such as system scanning code. For example, through the guidance of bank staff, the customer scans the code through the account opening verification system and inputs basic information such as the customer's name, document type, document number, and mobile phone number. The system will be linked to the law enforcement agency database for query and the result will be returned to the bank account opening verification system in real time. For example, the returned result includes four color codes: red code, orange code, yellow code, and green light, which are used to distinguish different risk levels. The counter staff will execute control measures such as whether to issue a card and the limit according to this returned data code, improving the operation convenience and effectively enhancing the ex-ante risk verification ability.

[0028] Preferably, the existing cards include the accounts of enterprises for bulk payroll payments and the accounts of those who have left their jobs or the jurisdiction. Use the idle time to conduct batch online risk screening on the existing cards and take corresponding control measures for the existing cards with risks. For the needs of unblocking controlled customers, bulk payroll payments by enterprises, and anti-fraud risk prevention for those who have left their jobs or the jurisdiction, bank staff can send lists in batches through the system for anti-fraud risk verification. The list fields sent to the law enforcement agency end include: customer name, customer ID number, account number, and mobile phone number, and control measures such as setting limits and only receiving and not paying are implemented according to the risk levels returned by the law enforcement agency to achieve precise prevention and control.

[0029] Preferably, step S3 is specifically as follows: construct a victim protection model according to the rules set by the law enforcement agency. The victim protection model scores the accounts through the given rules. The rules of the victim protection model include that the single transfer amount after the dormant account is activated is greater than a certain amount and the scoring setting for the opening behavior of the transfer counterparty being a niche bank. The rules are dynamically adjusted by the law enforcement agency end according to the recent case situation. The bank end inputs the real-time fund transaction flow into the victim protection model for analysis and outputs the corresponding risk assessment report, and selects the accounts with a score exceeding a certain threshold as high-risk victim information and pushes it to the law enforcement agency end. The law enforcement agency end further screens and verifies the list of suspicious accounts and returns it to the bank end. Through this model, it is possible to quickly obtain the population with high risks, providing precise information for the police to prevent and protect potential victims, including abnormal transaction behaviors, frequent interactions of suspicious accounts, etc. Through a series of preset rules (the preset rules are not publicly disclosed and are updated regularly to prevent anti-reconnaissance by fraud groups), the model can conduct a preliminary score for each account and preliminarily screen out the high-risk population for the law enforcement agency to conduct further verification and timely dissuasion or top warning to prevent customers from being deceived continuously.

[0030] Preferably, the victim protection model in step S3 includes a score division module, a data input module, and a scoring module; the score division module is used to delimit different risk scoring items and corresponding risk scores according to rules, and the risk scoring items and risk scores in the score division module are dynamically updated according to the case involved each month. The data input module is used to capture the bank-side fund transaction flow data in real time and input it into the victim protection model. The scoring module is used to statistically analyze the input data according to the scores of the score division module and output the corresponding risk assessment report. The risk assessment report includes the risk scoring items hit by the corresponding account and their corresponding risk scores, the risk assessment level, and the corresponding recommended measures. For example, the risk assessment level can be divided as follows: 0-60 points are defined as low risk, 60-80 points are defined as medium risk, and 80 points and above are defined as high risk. Among them, for medium-risk customers, measures such as restricting the non-counter limit of customers can be taken, and the general limit is below 5000; for high-risk customers, customers can be guided to handle business at the counter.

[0031] The network verification is used to query the validity of each identity document, and the three elements of the mobile phone number refer to whether the mobile phone number, the corresponding name, and the document number match each other.

[0032] Preferably, the method further includes: Automatically store the risk assessment situations and corresponding processing results at each stage in the bank's database for subsequent auditing, querying, and statistical analysis.

[0033] Based on the same inventive concept, the present application also provides a device corresponding to the method in Embodiment 1. For details, see Embodiment 2.

[0034] Embodiment 2 This embodiment provides a joint police-bank anti-fraud system, as Figure 2 and Figure 4 shown, the system includes: A new account opening risk investigation module, which is used to, after establishing a dedicated network connection between the law enforcement agency side and the bank side, obtain the law enforcement agency database information through the bank side to conduct a one-key anti-fraud risk investigation on new bank customers; A risk investigation module for existing cards, which is used to regularly investigate the risks of existing cards through the law enforcement agency side; A warning push module for the victim protection model, which is used to construct a victim protection model according to the rules set by the law enforcement agency, analyze the high-risk victim information by capturing the bank-side customer transaction records, issue a warning, and push it to the law enforcement agency side in real time. The law enforcement agency side further screens and verifies the list of suspicious accounts and returns it to the bank side; The suspicious account protection module is used to directly review the list of suspicious accounts returned by the law enforcement agency side by the head office of the bank side and implement account control. After receiving the instructions sent by the law enforcement agency, the bank side can directly conduct reviews, implement account control and de-control by the head office, further improve information security, enhance work efficiency, eliminate the operation risks of employees, provide assistance for the law enforcement agency to detect telecommunications network fraud cases, comprehensively improve the efficiency of police-bank cooperation, and achieve accurate anti-fraud. Among them, account control includes: payment suspension, freezing, non-counter limit, temporary protection control, suspension of non-counter services, receive-only and no-pay, and no-receive and no-pay.

[0035] Preferably, the one-key anti-fraud risk screening in the newly opened account risk screening module is specifically as follows: when a customer comes to the network point to handle an account opening, the preliminary risk score value is calculated according to the pre-designed scoring rules based on the information in the law enforcement agency database. When the risk score value reaches the corresponding value, corresponding handling measures are taken. The basic information of the customer includes the customer's name, document type, document number, and mobile phone number. The one-key anti-fraud risk screening method of the present invention can be set to be realized by means such as system scanning code. For example, through the guidance of bank staff, the customer scans the code through the account opening verification system, enters the basic information such as the customer's name, document type, document number, and mobile phone number. The system will be linked to the law enforcement agency database for query and return the result to the bank account opening verification system in real time. For example, the returned result includes four color codes, red code, orange code, yellow code, and green light, used to distinguish different risk levels. The counter staff will execute control measures such as whether to issue a card and the limit according to this returned data code, improving the operation convenience and effectively enhancing the pre-event risk verification ability.

[0036] Preferably, the existing cards include the accounts of enterprises for bulk salary payment and the accounts of those who have left their jobs or the jurisdiction. Use the idle time to conduct batch online risk screening for the existing cards and implement corresponding control measures for the existing cards with risks. For the needs of de-controlling the controlled customers, bulk salary payment for enterprises, and preventing the anti-fraud risks of those who have left their jobs or the jurisdiction, the bank side personnel can send lists in batches through the system for anti-fraud risk verification. The list fields sent to the law enforcement agency side include: customer name, customer ID number, account number, and mobile phone number, and implement control measures such as limit and receive-only and no-pay according to the risk level returned by the law enforcement agency to achieve accurate prevention and control.

[0037] Preferably, the victim protection model warning push module is specifically: used to construct a victim protection model according to the rules set by law enforcement agencies. The victim protection model scores accounts according to given rules. The rules of the victim protection model include that the single transfer amount after the dormant account is activated is greater than a certain amount and the scoring setting for the opening behavior of the transfer counterparty in a niche bank. The rules are dynamically adjusted by the law enforcement agency side according to the recent case involvement situation. The bank side inputs the real-time fund transaction flow into the victim protection model for analysis and outputs the corresponding risk assessment report, and selects the accounts with scores exceeding a certain threshold as high-risk victim information and pushes it to the law enforcement agency side. The law enforcement agency side further screens and verifies to return the list of suspicious accounts to the bank side. Through this model, people at high risk can be quickly obtained, providing accurate information for the police to prevent and protect potential victims, including abnormal transaction behaviors, frequent interactions of suspicious accounts, etc. Through a series of preset rules (the preset rules are not publicly disclosed and are updated regularly to prevent anti-reconnaissance by fraud groups), the model can initially score each account and initially screen out high-risk people for further verification by law enforcement agencies and timely dissuasion or upper warning to prevent customers from being deceived continuously.

[0038] Preferably, the victim protection model includes a score division module, a data input module, and a scoring module; the score division module is used to delimit different risk scoring items and corresponding risk score values according to the rules. The risk scoring items and risk score values in the score division module are dynamically updated according to the case involvement situation each month. The data input module is used to capture the real-time bank fund transaction flow data and input it into the victim protection model. The scoring module is used to statistically analyze the input data according to the scores of the score division module and output the corresponding risk assessment report. The risk assessment report includes the risk scoring items hit by the corresponding account and their corresponding risk score values, the risk assessment level, and the corresponding recommended measures. For example, the risk assessment level can be divided into: defining 0 - 60 points as low risk, 60 - 80 points as medium risk, and 80 points and above as high risk. Among them, for medium-risk customers, measures such as restricting the non-counter limit of customers can be taken, and the general limit is below 5000; for high-risk customers, they can be guided to handle business at the counter.

[0039] The networked verification is used to query the validity of each identity document. The three elements of the mobile phone number refer to whether the mobile phone number, the corresponding name, and the document number match each other.

[0040] Preferably, the system further includes: A data storage module, which is used to automatically store the risk assessment situations and corresponding processing results at each stage in the bank's database for subsequent auditing, querying, and statistical analysis.

[0041] Since the system introduced in the second embodiment of the present invention is the system corresponding to the method of the first embodiment of the present invention, based on the method introduced in the first embodiment of the present invention, those skilled in the art can understand the specific structure and variations of the device, so it will not be elaborated here. Any system adopted by the method of the first embodiment of the present invention falls within the scope of protection of the present invention.

[0042] Based on the same inventive concept, this application provides an embodiment of an electronic device corresponding to the first embodiment, as detailed in the third embodiment.

[0043] Embodiment Three This embodiment provides an electronic device, as Figure 3 shown, including a memory, a processor, and a computer program stored on the memory and executable on the processor. When the processor executes the computer program, any implementation manner in the first embodiment can be realized.

[0044] Since the electronic device introduced in this embodiment is the device adopted by the method in the first embodiment of this application, based on the method introduced in the first embodiment of this application, those skilled in the art can understand the specific implementation manners and various variations of the electronic device in this embodiment. Therefore, the implementation of how this electronic device realizes the method in the embodiments of this application will not be introduced in detail here. As long as the device adopted by those skilled in the art to implement the method in the embodiments of this application falls within the scope of protection of this application.

[0045] The present invention effectively reduces the risk of bank accounts being involved in cases by building a dedicated private network line between law enforcement agencies and banks to monitor newly opened accounts, existing accounts, and real-time transactions at the bank end. At the same time, the victim protection model is updated according to the rules regularly adjusted at the law enforcement agency end, which can quickly and effectively screen out more accurate high-risk users and push them to the law enforcement agency end in real time for further screening and determination by the law enforcement agency end, so as to quickly lock suspicious accounts and jointly freeze and protect the suspicious accounts at the bank end, minimizing the property losses of victims. Among them, by cooperating with law enforcement agencies to carry out early warning push of the victim protection model, real-time monitoring and analysis of victims of friendship investment-related telecommunications network fraud are realized. On average, 20-40 pieces of information of high-risk victims are pushed every day, abnormal transaction behaviors are discovered, and rapid response and handling are achieved, effectively preventing the occurrence of telecommunications network fraud cases. In December 2024, a major telecommunications network fraud case involving more than 500,000 yuan was successfully blocked.

[0046] The system of the present invention effectively solves the problems of the original network points, such as the need to contact the law enforcement departments in the jurisdiction offline to verify suspicious accounts involved in fraud, which takes a long time, has low efficiency, and causes great dissatisfaction among customers. After the system is launched, only one-key verification or scanning the code through the bank account opening verification system is required to connect to the law enforcement agency database for verification and return the results in real time, greatly reducing the workload of the network points, reducing the complaint rate at the same time, and improving work efficiency.

[0047] The present invention develops a feasibility system based on corresponding operating specifications and is traceable, which can prevent the problem of inconsistent policies and layers of escalation among branches and departments of law enforcement agencies, and improve work efficiency.

[0048] The present invention forms a powerful anti-fraud force by efficiently linking banks and law enforcement agencies, improves the efficiency and effectiveness of anti-fraud work, and effectively curbs the occurrence of telecommunications fraud crimes. Police-bank cooperation can achieve coordinated operations between the police and banks, improve law enforcement efficiency, shorten case processing time to the greatest extent, and safeguard the safety of people's property.

[0049] Although the specific implementation modes of the present invention are described above, those skilled in the art should understand that the specific implementation modes described are only illustrative and are not intended to limit the scope of the present invention. Equivalent modifications and changes made by those skilled in the art in accordance with the spirit of the present invention should be included in the scope of protection of the claims of the present invention.

Claims

1. A police-bank joint anti-fraud method, characterized by: The method comprises: Step S1: After establishing a dedicated network and dedicated line connection between the law enforcement agency and the bank, obtain the law enforcement agency database information through the bank to conduct a one-click fraud risk screening of new bank account opening customers; Step S2: Regularly check the risks of existing cards through law enforcement agencies; Step S3: Construct a victim protection model according to the rules set by the law enforcement agency, capture the customer flow data of the bank end to analyze the high-risk victim information, issue an early warning, and push it to the law enforcement agency end in real time. The law enforcement agency end further screens and verifies the list of suspicious accounts and returns it to the bank end; Step S4: The head office of the bank directly reviews the list of suspicious accounts returned by the law enforcement agency and performs account control.

2. A police-bank joint anti-fraud method according to claim 1, characterized in that: The one-click fraud risk screening in step S1 is specifically as follows: when a customer comes to the branch to open an account, a preliminary risk score value is calculated according to the pre-designed scoring rules based on the law enforcement agency database information, and corresponding processing measures are taken when the risk score value reaches the corresponding value. The customer's basic information includes the customer's name, ID type, ID number and mobile phone number.

3. A police-bank joint anti-fraud method according to claim 1, characterized in that: The existing cards include accounts opened in batches for corporate payroll payment and accounts of personnel who have resigned or left the jurisdiction. The existing cards will be screened online in batches during idle time, and corresponding control measures will be taken for risky existing cards.

4. The police-bank joint anti-fraud method according to claim 1 is characterized by: The step S3 is specifically as follows: a victim protection model is constructed according to the rules set by the law enforcement agency, and the victim protection model scores the account according to the given rules, wherein the rules of the victim protection model include the scoring settings of niche banks when the single transfer amount after the dormant account is activated is greater than a certain amount and the account opening behavior of the transferor counterparty. The rules are dynamically adjusted by the law enforcement agency according to the recent case-related circumstances. The bank inputs the real-time fund transaction flow into the victim protection model for analysis and outputs the corresponding risk assessment report, and selects accounts with scores exceeding a certain threshold as high-risk victims and pushes the information to the law enforcement agency, which further screens and verifies the list of suspicious accounts and returns it to the bank.

5. The police-bank joint anti-fraud method according to claim 1 is characterized by: The victim protection model in step S3 includes a score division module, a data input module and a scoring module; the score division module is used to define different risk scoring items and corresponding risk scoring values ​​according to rules, and the risk scoring items and risk scoring values ​​in the score division module are dynamically updated according to the case involved each month. The data input module is used to capture the bank-side fund transaction flow data in real time and input it into the victim protection model. The scoring module is used to perform statistical analysis on the input data according to the score of the score division module and output a corresponding risk assessment report, and the risk assessment report includes the risk scoring items hit by the corresponding account and its corresponding risk scoring value, risk assessment level and corresponding recommended measures.

6. A police-bank joint anti-fraud system, characterized by: The system comprises: The new account opening risk screening module is used to obtain the law enforcement agency database information through the bank after the dedicated network and dedicated line connection between the law enforcement agency and the bank is established to conduct a one-click fraud risk screening of new bank account opening customers; The existing card risk investigation module is used to regularly investigate the risks of existing cards through law enforcement agencies; The victim protection model early warning push module is used to build a victim protection model according to the rules set by the law enforcement agency. It captures the customer flow data of the bank and analyzes the high-risk victim information, issues early warnings, and pushes them to the law enforcement agency in real time. The law enforcement agency further screens and verifies the list of suspicious accounts and returns it to the bank. The suspicious account protection module is used by the head office of the bank to directly review the list of suspicious accounts returned by the law enforcement agency and implement account control.

7. The police-bank joint anti-fraud system according to claim 6 is characterized by: The one-click fraud risk screening in the new account opening risk screening module is specifically as follows: when a customer comes to the branch to open an account, a preliminary risk score value is calculated according to the law enforcement agency database information and pre-designed scoring rules. When the risk score value reaches the corresponding value, corresponding processing measures are taken. The customer's basic information includes the customer's name, ID type, ID number and mobile phone number.

8. The police-bank joint anti-fraud system according to claim 6 is characterized by: The victim protection model early warning push module is specifically used to build a victim protection model according to the rules set by the law enforcement agency. The victim protection model scores the account according to the given rules, wherein the rules of the victim protection model include the scoring settings of niche banks for the single transfer amount greater than a certain amount and the account opening behavior of the transferor after the dormant account is activated. The rules are dynamically adjusted by the law enforcement agency according to the recent case-related circumstances. The bank inputs the real-time fund transaction flow into the victim protection model for analysis and outputs the corresponding risk assessment report, and selects accounts with scores exceeding a certain threshold as high-risk victims and pushes them to the law enforcement agency. The law enforcement agency further screens and verifies the list of suspicious accounts and returns it to the bank.

9. The police-bank joint anti-fraud system according to claim 6 is characterized by: The victim protection model includes a score division module, a data input module and a scoring module; the score division module is used to define different risk scoring items and corresponding risk scoring values ​​according to rules, and the risk scoring items and risk scoring values ​​in the score division module are dynamically updated according to the case involved each month. The data input module is used to capture bank-side fund transaction flow data in real time and input it into the victim protection model. The scoring module is used to perform statistical analysis on the input data according to the score of the score division module and output a corresponding risk assessment report. The risk assessment report includes the risk scoring items hit by the corresponding account and its corresponding risk scoring value, risk assessment level and corresponding recommended measures.

10. An electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the program, the method according to any one of claims 1 to 5 is implemented.

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