Business transaction monitoring method, device, equipment, medium and program product

Abstract

The invention provides a business transaction monitoring method which can be applied to the technical field of Internet of Things. The business transaction monitoring method comprises the following steps: in response to a first request instruction initiated by a user for accessing a sales terminal device, determining an operation business type of the user according to the first request instruction; according to the operation business type, electronic fence delineation processing is carried out on the sales terminal equipment, and an electronic fence is used for delineating the safety range of transaction of the sales terminal equipment; in response to a second request instruction that the user initiates a business transaction through the sales terminal equipment, determining first longitude and latitude information of the sales terminal equipment according to the second request instruction; and monitoring the business transaction according to the first latitude and longitude information and the safety range. The invention further provides a business transaction monitoring device and equipment, a medium and a program product.

Description

Technical Field

[0001] The present application relates to the field of Internet of Things technology, specifically to the field of financial technology technology, and more specifically to a business transaction monitoring method, device, equipment, medium and program product. Background Art

[0002] With the development of network technology, acquiring systems have gradually evolved from traditional offline models to online models, ultimately evolving into a hybrid model that integrates both online and offline operations. This shift has not only greatly improved payment convenience but also promoted the diversification of merchant service models and the automation of transaction processes. However, as acquiring transactions become increasingly complex and the number of involved links increases significantly, the security risks faced by the system are also becoming more diverse and hidden.

[0003] In an integrated acquiring system, point-of-sale (POS) devices serve as the primary tool for merchants to accept bank card transactions. Their physical security and transaction compliance are critical elements of the system's operation. However, some merchants, after integrating into bank merchant acquiring systems, fail to effectively manage and protect their POS devices. Once stolen, lost, or resold, POS devices can be easily misused by criminals, leading to activities such as credit card cash withdrawals, fraudulent transactions, and fund transfers that seriously endanger financial security. This demonstrates that existing POS-based acquiring systems suffer from security deficiencies and are prone to exploiting risky transactions. Summary of the Invention

[0004] In view of the above problems, the present application provides a business transaction monitoring method, apparatus, equipment, medium and program product for improving the security of the acquiring system.

[0005] According to a first aspect of the present application, a business transaction monitoring method is provided, comprising: responding to a first request instruction initiated by a user to access a sales terminal device, determining the user's business type according to the first request instruction; performing electronic fence processing on the sales terminal device according to the business type, wherein the electronic fence is used to enclose a safe range within which transactions occur on the sales terminal device; responding to a second request instruction initiated by the user through the sales terminal device for a business transaction, determining first longitude and latitude information of the sales terminal device according to the second request instruction; and monitoring the business transaction based on the first longitude and latitude information and the safe range.

[0006] According to an embodiment of the present application, electronic fence demarcation processing of a sales terminal device according to the business type includes: determining the business scope corresponding to the business type according to the business type; determining the safety range of the electronic fence based on the business scope; and pre-encircling the sales terminal device with an electronic fence based on the safety range.

[0007] According to an embodiment of the present application, electronic fence demarcation processing is performed on the sales terminal device according to the business type, which also includes: deploying the sales terminal device based on the business scope; in response to the deployment location of the sales terminal device not matching the actual business scope of the user, correcting the safety range of the electronic fence according to the actual business scope; and re-encircling the electronic fence of the sales terminal device according to the corrected safety range.

[0008] According to an embodiment of the present application, monitoring business transactions based on the first longitude and latitude information and the security range includes: in response to determining the first longitude and latitude information of the sales terminal device according to the second request instruction, extracting the second longitude and latitude information corresponding to the access point when the user applies to access the sales terminal device; determining the transaction distance between the sales terminal and the access point based on the first longitude and latitude information and the second longitude and latitude information; and monitoring the business transaction request based on the transaction distance and the security range.

[0009] According to an embodiment of the present application, determining the transaction distance between the sales terminal and the access point based on the first longitude and latitude information and the second longitude and latitude information includes: obtaining the radius parameter of the earth; and calculating the corresponding transaction distance between the sales terminal and the access point using the earth's spherical model based on the first longitude and latitude information, the second longitude and latitude information and the radius parameter.

[0010] According to an embodiment of the present application, the security range includes a first security range and a second security range greater than the first security range, wherein monitoring of business transaction requests based on the transaction distance and the security range includes: in response to a transaction distance less than or equal to the first security range, a normal transaction business transaction request; in response to a transaction distance greater than the first security range and less than the second security range, a collection business transaction request; in response to a transaction distance greater than the second security range, rejecting the business transaction request.

[0011] According to an embodiment of the present application, monitoring the business transaction request based on the transaction distance and the safety range further includes: in response to monitoring that the business transaction request is collected or rejected, manually intervening to inspect the business transaction request.

[0012] According to an embodiment of the present application, in response to monitoring that a business transaction request is collected or rejected, manual inspection of the business transaction request includes: reviewing the actual transaction environment of the business transaction request; in response to determining that a risk exists in a rejected business transaction request, canceling the user's permission to use the sales terminal device; in response to determining that a risk exists in a collected business transaction request, reversing or reverse-transaction processing is performed on the business transaction request, and canceling the user's permission to use the sales terminal device; in response to determining that there is no risk in a collected business transaction request, uncollecting the business transaction request.

[0013] The second aspect of the present application provides a business transaction monitoring device, including: a first determination module, used to respond to a first request instruction initiated by a user to access a sales terminal device, and determine the user's business type according to the first request instruction; a demarcation module, used to perform electronic fence demarcation processing on the sales terminal device according to the business type, wherein the electronic fence is used to demarcate a safe range for transactions of the sales terminal device; a second determination module, used to respond to a second request instruction initiated by the user through the sales terminal device for a business transaction, and determine first longitude and latitude information of the sales terminal device according to the second request instruction; a monitoring module, used to monitor business transactions based on the first longitude and latitude information and the safe range.

[0014] The third aspect of the present application provides an electronic device, comprising: one or more processors; a memory for storing one or more computer programs, wherein the one or more processors execute the one or more computer programs to implement the steps of the above method.

[0015] The fourth aspect of the present application further provides a computer-readable storage medium having a computer program or instructions stored thereon, which implements the steps of the above method when the computer program or instructions are executed by a processor.

[0016] The fifth aspect of the present application further provides a computer program product, comprising a computer program or instructions, which implement the steps of the above method when executed by a processor. BRIEF DESCRIPTION OF THE DRAWINGS

[0017] The above contents and other objects, features and advantages of the present application will become more apparent through the following description of the embodiments of the present application with reference to the accompanying drawings, in which:

[0018] Figure 1 The following schematically illustrates an application scenario of a business transaction monitoring method according to an embodiment of the present application;

[0019] Figure 2 A flowchart of a business transaction monitoring method according to an embodiment of the present application is schematically shown;

[0020] Figure 3 A flowchart schematically illustrates a method for electronically fence-fencing a sales terminal device based on the type of business operation according to an embodiment of the present application;

[0021] Figure 4 A flowchart of a method for modifying an electronic fence according to an actual business scope according to an embodiment of the present application is schematically shown;

[0022] Figure 5 A flowchart of a method for monitoring business transactions based on first latitude and longitude information and a security range according to an embodiment of the present application is schematically shown;

[0023] Figure 6 A flowchart of a method for determining a transaction distance based on first longitude and latitude information and second longitude and latitude information according to an embodiment of the present application is schematically shown;

[0024] Figure 7 A flowchart of a method for monitoring business transaction requests based on transaction distance and security range according to an embodiment of the present application is schematically shown;

[0025] Figure 8 A flowchart schematically illustrates a method for manually implementing prevention and control measures for collection transactions and rejection transactions according to an embodiment of the present application;

[0026] Figure 9 The following schematically shows a structural block diagram of a business transaction monitoring device according to an embodiment of the present application;

[0027] Figure 10 The block diagram schematically shows an electronic device suitable for implementing the business transaction monitoring method according to an embodiment of the present application. DETAILED DESCRIPTION

[0028] Hereinafter, embodiments of the present application will be described with reference to the accompanying drawings. However, it should be understood that these descriptions are exemplary only and are not intended to limit the scope of the present application. In the detailed description below, for ease of explanation, many specific details are set forth to provide a comprehensive understanding of the embodiments of the present application. However, it is obvious that one or more embodiments may also be implemented without these specific details. In addition, in the following description, descriptions of known structures and technologies are omitted to avoid unnecessarily confusing the concepts of the present application.

[0029] The terms used herein are only for describing specific embodiments and are not intended to limit this application. The terms "comprise," "include," etc. used herein indicate the presence of the features, steps, operations, and / or components, but do not exclude the presence or addition of one or more other features, steps, operations, or components.

[0030] All terms used herein (including technical and scientific terms) have the meanings commonly understood by those skilled in the art unless otherwise defined. It should be noted that the terms used herein should be interpreted as having a meaning consistent with the context of this specification and should not be interpreted in an idealized or overly rigid manner.

[0031] When expressions such as "at least one of A, B, and C, etc." are used, they should generally be interpreted in accordance with the meaning commonly understood by those skilled in the art (for example, "a system having at least one of A, B, and C" should include but is not limited to a system having A alone, B alone, C alone, A and B, A and C, B and C, and / or A, B, C, etc.).

[0032] It should be noted that the business transaction monitoring method and device for improving the security of the acquiring system in the present application can be used for business transaction monitoring in terms of the security of the acquiring system in the financial technology field, and can also be used for business transaction monitoring in terms of the security of the acquiring system in any field other than the financial technology field. The application field of the business transaction monitoring method and device of the present application is not limited.

[0033] In the technical solution of this application, the user information involved (including but not limited to user personal information, user image information, user device information, such as location information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) are all information and data authorized by the user or fully authorized by all parties, and the collection, storage, use, processing, transmission, provision, disclosure and application of the relevant data comply with relevant laws, regulations and standards, take necessary confidentiality measures, do not violate public order and good morals, and provide corresponding operation entrances for users to choose to authorize or refuse.

[0034] In the scenario of using personal information for automated decision-making, the methods, devices, and systems provided in the embodiments of the present application all provide users with corresponding operation portals for users to choose to agree or reject the automated decision-making results; if the user chooses to reject, the expert decision-making process will be entered. The expression "automated decision-making" here refers to the activity of automatically analyzing and evaluating an individual's behavioral habits, interests and hobbies, or economic, health, credit status, etc. through computer programs and making decisions. The expression "expert decision-making" here refers to the activity of making decisions by people who specialize in a certain field, have specialized experience, knowledge and skills, and have reached a certain level of professionalism.

[0035] An embodiment of the present application provides a business transaction monitoring method, including: responding to a first request instruction initiated by a user to access a sales terminal device, determining the user's business type according to the first request instruction; performing electronic fence processing on the sales terminal device according to the business type, wherein the electronic fence is used to enclose a safe range for transactions to occur on the sales terminal device; responding to a second request instruction initiated by the user through the sales terminal device for a business transaction, determining first longitude and latitude information of the sales terminal device according to the second request instruction; and monitoring the business transaction based on the first longitude and latitude information and the safe range.

[0036] The business transaction monitoring method provided in the embodiments of the present application utilizes electronic fence technology to define the safe use range of the point-of-sale device based on the user type when the user first applies to access the bank's acquiring system. Subsequently, each time the user initiates a transaction, wireless positioning technology and Internet of Things technology are used to monitor the actual location of the point-of-sale device in real time. The actual location of the transaction is compared with the defined safe use range to monitor the transaction in real time. After the electronic fence is established, starting with the first transaction connected to the bank system, the user can be monitored in real time using the electronic fence technology. If the transaction is within the safe range, the transaction is processed normally. However, if the actual location of the point-of-sale device exceeds the safe range, the transaction is automatically collected or rejected, effectively preventing risky transactions.

[0037] Figure 1 The application scenario diagram of the business transaction monitoring method according to an embodiment of the present application is schematically shown.

[0038] like Figure 1 As shown, the application scenario 100 according to this embodiment may include a first terminal device 101, a second terminal device 102, and a third terminal device 103. A network 104 is used as a medium for providing a communication link between the first terminal device 101, the second terminal device 102, the third terminal device 103, and a server 105. The network 104 may include various connection types, such as wired or wireless communication links or fiber optic cables.

[0039] A user may use a first terminal device 101, a second terminal device 102, or a third terminal device 103 to interact with a server 105 via a network 104 to receive or send messages, etc. Various communication client applications may be installed on the first terminal device 101, the second terminal device 102, or the third terminal device 103, such as shopping applications, web browser applications, search applications, instant messaging tools, email clients, social platform software, etc. (for example only).

[0040] The first terminal device 101 , the second terminal device 102 , and the third terminal device 103 may be various electronic devices having display screens and supporting web browsing, including but not limited to smart phones, tablet computers, laptop computers, desktop computers, and the like.

[0041] The server 105 may be a server that provides various services, such as a background management server (for example only) that supports websites browsed by users using the first terminal device 101, the second terminal device 102, and the third terminal device 103. The background management server may analyze and process received data such as user requests, and feed back processing results (e.g., web pages, information, or data obtained or generated based on user requests) to the terminal devices.

[0042] It should be noted that the business transaction monitoring method provided in the embodiment of the present application can generally be executed by the server 105. Accordingly, the business transaction monitoring device provided in the embodiment of the present application can generally be set in the server 105. The business transaction monitoring method provided in the embodiment of the present application can also be executed by a server or server cluster that is different from the server 105 and can communicate with the first terminal device 101, the second terminal device 102, the third terminal device 103 and / or the server 105. Accordingly, the business transaction monitoring device provided in the embodiment of the present application can also be set in a server or server cluster that is different from the server 105 and can communicate with the first terminal device 101, the second terminal device 102, the third terminal device 103 and / or the server 105.

[0043] It should be understood that Figure 1 The number of terminal devices, networks and servers in the embodiment is merely illustrative. Any number of terminal devices, networks and servers may be provided as required.

[0044] The following will be based on Figure 1 The scene described by Figures 2 to 8 A business transaction monitoring method according to an embodiment of the present application is described in detail.

[0045] Figure 2 The flowchart of the business transaction monitoring method according to an embodiment of the present application is schematically shown.

[0046] like Figure 2 As shown, the business transaction monitoring method of this embodiment includes operations S210 to S240, and the business transaction monitoring method can be executed by a bank server.

[0047] In operation S210, in response to a first request instruction initiated by a user to access a sales terminal device, the business type of the user is determined according to the first request instruction.

[0048] In operation S220, the sales terminal device is electronically fenced according to the business type, wherein the electronic fence is used to define a safe range for transactions to occur with the sales terminal device.

[0049] In operation S230 , in response to a second request instruction from a user to initiate a business transaction through a sales terminal device, first latitude and longitude information of the sales terminal device is determined according to the second request instruction.

[0050] In operation S240 , the business transaction is monitored based on the first latitude and longitude information and the security range.

[0051] A point of sale (POS) is a multifunctional terminal that, when installed at authorized credit card merchants and acceptance locations and connected to a computer network, enables automatic electronic funds transfer. It supports functions such as consumption, pre-authorization, balance inquiry, and transfers, making it safe, fast, and reliable to use.

[0052] Electronic fencing technology is an electronically-based security system that monitors and protects specific areas through physical or virtual boundaries. Its core function is to detect and respond to intrusions, triggering alarms or other security measures. Common technologies include electromagnetic field sensing, where sensors detect whether an object has crossed a pre-defined boundary. Upon detecting an intrusion, the system issues an alarm. Electronic fencing typically consists of a high-voltage pulse signal and a front-end detection fence, effectively preventing both danger and intrusion.

[0053] In an embodiment of the present application, when a user applies to become a registered merchant with a bank and applies to access the bank's acquiring system to enjoy the bank's acquiring services (i.e., when applying to activate a point-of-sale device), a user profile is first created based on the user's business type. Before determining the user's business type, the user's consent or authorization may be obtained. For example, before operation S210, a request to obtain user information may be issued to the user. If the user consents or authorizes the acquisition of user information, operation S210 is executed.

[0054] Then, based on the user's business type, a safe usage range of the sales terminal device is set for the user. When the user initiates a business transaction, the real-time positioning of the sales terminal device is obtained, and the positioning is compared with the pre-set safe usage range. When the positioning exceeds the pre-set safe usage range, the business transaction is collected or rejected to prevent the sales terminal device from being used for user collection and risk-sharing transactions, further improving the security of user collection transactions.

[0055] According to an embodiment of the present application, when a user first applies to access the bank's acquiring system, electronic fence technology is used to delineate the safe use range of the sales terminal device based on the user type. Subsequently, whenever the user initiates a transaction, wireless positioning technology and Internet of Things technology are used to monitor the actual location of the sales terminal device in real time. The actual location of the transaction is compared with the delineated safe use range to monitor the transaction in real time. After the electronic fence is established, starting with the first transaction connected to the bank system, the user can be monitored in real time using the electronic fence technology. If the transaction is within the safe range, the transaction will be processed normally. If the actual location of the sales terminal device exceeds the safe range, the transaction will be automatically collected or rejected, thereby effectively preventing risky transactions.

[0056] Figure 3A flowchart of a method for electronically fencing a sales terminal device according to a business type according to an embodiment of the present application is schematically shown.

[0057] like Figure 3 As shown, the method for electronically fence-enclosing a sales terminal device according to the business type in this embodiment includes operations S310 to S330.

[0058] In operation S310, a business scope corresponding to the business type is determined according to the business type.

[0059] In operation S320 , a safety range of the electronic fence is determined based on the business range.

[0060] In operation S330, based on the safety range, the point-of-sale device is pre-fenced with an electronic fence.

[0061] In an embodiment of the present application, the sales terminal device is pre-circumscribed by electronic fence using user type and business scope.

[0062] User type refers to the type of business, such as catering, retail, gas stations, medical care, beauty treatments, training institutions, etc. Different user types and business areas will be assigned different electronic fence ranges. For small retailers (such as convenience stores and stalls), the radius of the electronic fence can be set smaller (such as 200 to 500 meters) to ensure that their transactions are confined to the business area; for large and medium-sized merchants (such as supermarkets and shopping malls), a larger fence range (such as 1 to 5 kilometers) can be set, considering that their customer flow is more widely distributed. This can effectively avoid misjudgments while maintaining the efficiency and adaptability of risk control. Specifically, for example:

[0063] For clothing stores with a business area of ​​100 square meters: the normal transaction fence range can be set to <=100 meters, the collection transaction fence range can be set to >100 meters and <=200 meters, and the refused transaction fence range can be set to >=200 meters.

[0064] For catering businesses with a business area of ​​200 square meters: the normal transaction fence range can be set to <= 200 meters, the collection transaction fence range can be set to > 200 meters and <= 400 meters, and the refused transaction fence range can be set to >= 400 meters.

[0065] For large shopping mall-type merchants with a business area of ​​1,000 square meters: the normal transaction fence range can be set to <= 1,000 meters, the collection transaction fence range can be set to > 1,000 meters and <= 2,000 meters, and the refused transaction fence range can be set to >= 2,000 meters.

[0066] According to the embodiments of the present application, by setting up electronic fences taking into account user type and business area, a customized fence range can be implemented for each merchant based on actual conditions, rather than adopting a unified standard. This can avoid overly broad or overly strict restrictions and accurately respond to the needs of different types of merchants.

[0067] Figure 4 A flowchart of a method for correcting an electronic fence according to an actual business scope according to an embodiment of the present application is schematically shown.

[0068] like Figure 4 As shown, the method for modifying the electronic fence according to the actual business scope in this embodiment includes operations S410 to S430.

[0069] In operation S410, point-of-sale devices are deployed based on the business scope.

[0070] In operation S420 , in response to the deployment location of the sales terminal device not matching the actual business scope of the user, the security scope of the electronic fence is modified according to the actual business scope.

[0071] In operation S430, the electronic fence of the sales terminal device is redefined according to the revised safety range.

[0072] In an embodiment of the present application, based on the relevant information during user registration, the sales terminal device is formally installed and deployed at the user's actual business location, bound to user information, device number, etc., and then configured with communication, positioning, network and other functions.

[0073] If, during the actual deployment process, it is found that the user registration information does not match the actual location, resulting in the deployment location of the sales terminal equipment not matching the user's actual business scope, it is necessary to further correct the safety range of the electronic fence based on the actual business scope, and finally re-circle the electronic fence of the sales terminal equipment based on the corrected safety range.

[0074] According to the embodiments of the present application, the "theoretical electronic fence" before deployment is corrected through the actual business location, that is, the "theoretical electronic fence" and the "actual deployment location" are aligned in a closed loop, which can reduce misjudgments caused by address deviations and make the monitoring strategy more accurate.

[0075] Figure 5 A flowchart of a method for monitoring business transactions based on first latitude and longitude information and a security range according to an embodiment of the present application is schematically shown.

[0076] like Figure 5 As shown, the method for monitoring business transactions according to first latitude and longitude information and a security range in this embodiment includes operations S510 to S530.

[0077] In operation S510, in response to determining the first longitude and latitude information of the sales terminal device according to the second request instruction, second longitude and latitude information corresponding to the access point when the user applies to access the sales terminal device is extracted.

[0078] In operation S520, a transaction distance between the sales terminal and the access point is determined based on the first longitude and latitude information and the second longitude and latitude information.

[0079] In operation S530 , the business transaction request is monitored according to the transaction distance and the security range.

[0080] In an embodiment of the present application, whether a transaction is abnormal is determined by the distance difference between the transaction point location (first longitude and latitude information) and the access point location (second longitude and latitude information) when the user applies for registration.

[0081] When a user initiates a transaction request, the sales terminal device obtains the current latitude and longitude information (first latitude and longitude information) through the Internet of Things, further retrieves the user profile, and extracts the access point location when the user applies for registration (second latitude and longitude information).

[0082] Then, the distance difference between the transaction point location and the access point location when the user applies for registration is calculated, which is the transaction distance.

[0083] Finally, the transaction distance is compared with the pre-defined safety range to monitor the business transaction.

[0084] According to the embodiments of the present application, this dynamic monitoring mechanism can quickly identify behaviors such as off-site transactions, card fraud, and illegal cash withdrawal, thereby improving the overall risk identification capability.

[0085] Figure 6 A flowchart of a method for determining a transaction distance based on first longitude and latitude information and second longitude and latitude information according to an embodiment of the present application is schematically shown.

[0086] like Figure 6 As shown, the method for determining a transaction distance based on first longitude and latitude information and second longitude and latitude information in this embodiment includes operations S610 to S620.

[0087] In operation S610 , a radius parameter of the earth is acquired.

[0088] In operation S620, a transaction distance between the sales terminal and the access point is calculated using an earth spherical model according to the first longitude and latitude information, the second longitude and latitude information, and the radius parameter.

[0089] In an embodiment of the present application, the distance information between two points is calculated using a spherical model of the earth.

[0090] For example, let the latitude and longitude of user A's registered address be (lat1, lon1), the latitude and longitude of the point-of-sale device initiating the transaction be (lat2, lon2), and R be the radius of the Earth. Then the distance d between the two points can be calculated as follows:

[0091] d = R * arccos(sin(lat1) * sin(lat2) + cos(lat1) * cos(lat2) * cos(lon1 - lon2))

[0092] According to the embodiments of the present application, the spherical model of the earth takes into account the curvature of the earth and can more accurately reflect the real geographical distance than simple plane geometry, avoiding errors, which is particularly important for financial-level risk control.

[0093] Figure 7 A flowchart of a method for monitoring business transaction requests based on transaction distance and security range according to an embodiment of the present application is schematically shown.

[0094] like Figure 7 As shown, the method for monitoring a business transaction request according to a transaction distance and a security range in this embodiment includes operations S710 to S730.

[0095] In operation S710 , in response to the transaction distance being less than or equal to the first safety range, the business transaction request is processed normally.

[0096] In operation S720, in response to the transaction distance being greater than the first safety range and less than the second safety range, the business transaction request is collected.

[0097] In operation S730 , in response to the transaction distance being greater than the second safety range, the business transaction request is rejected.

[0098] In an embodiment of the present application, based on the first basic security range (first security range), a flexible second security range (second security range) is set to collect suspicious transactions, wherein the second security range is larger than the first security range.

[0099] For example, for users in the restaurant industry, the first safety range can be set to 200 meters, and the second safety range can be set to 400 meters.

[0100] When the transaction distance is less than or equal to the first safety range, that is, less than or equal to 200 meters, the business transaction request is processed normally.

[0101] When the transaction distance is greater than the first safety range and less than the second safety range, that is, greater than 200 meters and less than 400 meters, the business transaction request is collected.

[0102] When the transaction distance is greater than the second safety range, that is, greater than 400 meters, the business transaction request is directly rejected.

[0103] Regarding user acquisition transaction collection: When the bank determines that a transaction initiated by a user is suspicious, it will allow the transaction to continue, but the transaction amount will first be deposited into the bank's internal account rather than the user's account. Subsequent transactions of the user will be handled in this way.

[0104] Regarding rejection of user acquiring transactions: When a bank determines that a transaction initiated by a user violates regulations, it will reject the transaction at the time of transaction, prompt the transaction abnormality at the sales terminal, and send a text message to the user's registered mobile phone number to remind that a risky transaction has entered the bank's user acquiring system, and register the relevant transaction.

[0105] In the embodiment of the present application, transactions within the normal transaction fence range are passed normally; transactions within the collection transaction fence range are passed for collection; and transactions within the rejected transaction fence range are rejected.

[0106] In traditional monitoring strategies, there are only two options: "pass" or "reject", which may result in:

[0107] False negatives: Low-risk abnormal transactions are directly rejected, causing user dissatisfaction;

[0108] Missed: High-risk transactions narrowly escaped “normal” judgment and did not trigger interception.

[0109] In addition, not all abnormal transactions are malicious, for example: merchants temporarily use mobile devices (such as participating in exhibitions, temporary promotions), positioning deviation caused by signal drift when users pay, merchants have just changed their actual business address and the system has not yet been updated, etc. If these transactions are rejected directly, it will cause accidental injuries and affect the trust of merchants or customers. Introducing collection transactions as an intermediate state is equivalent to setting up a "pending area" or "gray processing area", which can provide a secondary judgment space for the risk control system.

[0110] According to the embodiment of the present application, in addition to setting "normal transaction" and "rejected transaction" in the transaction monitoring strategy, an intermediate state is added, namely: collection transaction. Introducing collection transaction as an intermediate state is equivalent to setting up a "pending area" or "gray processing area", which can provide a secondary judgment space for the monitoring strategy, reflecting the "humanization" and "flexible control" of the monitoring strategy.

[0111] In addition, in the embodiment of the present application, for the collected transaction requests or rejected transaction requests, it is also possible to manually check and then decide whether to release or refuse payment.

[0112] The method for reviewing a collected transaction request or a rejected transaction request in this embodiment includes operation S740.

[0113] In operation S740 , in response to monitoring that the business transaction request is collected or rejected, manual inspection of the business transaction request is performed.

[0114] In practice, even the most sophisticated monitoring strategies can still lead to falsely blocked transactions due to factors such as Global Positioning System (GPS) deviations (e.g., signal drift, coordinate errors), unusual merchant behaviors (e.g., temporary business trips, setting up booths at trade shows), and unusual user routes (e.g., interprovincial travel, out-of-town purchases). Therefore, manual verification can be used after collection / rejection to verify the actual scenario and assess the legitimacy of the transaction context before deciding whether to re-release the transaction. This improves transaction success rates, optimizes user experience, and protects merchants' operations.

[0115] According to the embodiments of the present application, by manually intervening for a secondary review, the situation of erroneous interception can be greatly reduced. Compared with a single automated decision, the accuracy, flexibility and traceability of the risk control strategy can be greatly improved.

[0116] Figure 8 The flowchart of the method for manually implementing prevention and control measures for collection transactions and rejection transactions according to an embodiment of the present application is schematically shown.

[0117] like Figure 8 As shown, the method of using manual control measures for collection transactions and rejection transactions in this embodiment includes operations S810 to S840.

[0118] In operation S810 , the actual transaction environment of the business transaction request is reviewed.

[0119] In operation S820 , in response to determining that a risk exists in the rejected business transaction request, the user's permission to use the sales terminal device is revoked.

[0120] In operation S830, in response to determining that a risk exists in the collected business transaction request, the business transaction request is reversed or reversal is performed, and the user's permission to use the sales terminal device is cancelled.

[0121] In operation S840 , in response to the collected business transaction request not being at risk, the business transaction request is released from collection.

[0122] In the embodiment of the present application, after manual inspection of the collection transactions and rejected transactions, the following processing is performed based on the inspection results:

[0123] For transactions rejected by the original acquirer, if violations are confirmed, the user will be deregistered.

[0124] For the original bill collection and payment transaction, if it is confirmed that there is a violation, the original transaction will be reversed (if the result is available on the same day of the transaction) or the transaction will be reversed, and the user will be deregistered.

[0125] For the original bill collection transaction, if it is confirmed that there is no violation, the original transaction will be released for collection. If the electronic fence parameters are inaccurate, the relevant parameters will be adjusted.

[0126] Regarding the release of user collection transactions: When a user transaction is defined as suspicious, the suspicious transaction will be registered in the bank system, and relevant business personnel will conduct online and offline confirmation. Only after confirmation that there is no problem will the user's collection transaction be released and the money in the bank's internal account will be transferred back to the merchant.

[0127] According to the embodiments of the present application, by taking clear disposal actions (reversal, reversal of transactions, cancellation of users, etc.) on the inspection results, risky transactions are prevented from flowing into the capital pool, reflecting the rigid execution of the monitoring mechanism, ensuring closed-loop optimization of risk control, not just "interception" but "implementation processing", which greatly improves user experience and trust.

[0128] Based on the above business transaction monitoring method, this application also provides a business transaction monitoring device. Figure 9 The device is described in detail.

[0129] Figure 9 The following schematically shows a structural block diagram of a business transaction monitoring device according to an embodiment of the present application.

[0130] like Figure 9 As shown, the business transaction monitoring device 900 of this embodiment includes: a first determination module 910 , a delineation module 920 , a second determination module 930 and a monitoring module 940 .

[0131] The first determining module 910 is configured to respond to a first request instruction initiated by a user to access a sales terminal device and determine the user's business type according to the first request instruction. In one embodiment, the first determining module 910 may be configured to execute the operation S210 described above, which will not be described in detail here.

[0132] The demarcation module 920 is used to perform an electronic fence demarcation process on the sales terminal device according to the business type, wherein the electronic fence is used to demarcate the safe range within which the sales terminal device can conduct transactions. In one embodiment, the demarcation module 920 can be used to perform the operation S220 described above, which will not be repeated here.

[0133] The second determining module 930 is configured to respond to a second request instruction from a user to initiate a business transaction through a sales terminal device and determine the first latitude and longitude information of the sales terminal device according to the second request instruction. In one embodiment, the second determining module 930 can be configured to perform the operation S230 described above, which will not be described in detail here.

[0134] The monitoring module 940 is used to monitor the business transaction based on the first latitude and longitude information and the security range. In one embodiment, the monitoring module 940 can be used to perform the operation S240 described above, which will not be repeated here.

[0135] According to an embodiment of the present application, the delineation module 920 includes:

[0136] A business scope determination module is used to determine the business scope corresponding to the business type according to the business type;

[0137] A safety range determination module is used to determine the safety range of the electronic fence based on the business scope;

[0138] The pre-fenced module is used to pre-fence the sales terminal equipment based on the safety range.

[0139] According to an embodiment of the present application, the delineation module 920 further includes:

[0140] Deployment module, used to deploy sales terminal equipment based on business scope;

[0141] a correction module for correcting the security range of the electronic fence according to the actual business scope in response to a mismatch between the deployment location of the sales terminal device and the actual business scope of the user;

[0142] The re-circling module is used to re-circle the electronic fence of the sales terminal device according to the revised safety range.

[0143] According to an embodiment of the present application, the monitoring module 940 includes:

[0144] an extraction module, configured to, in response to determining the first longitude and latitude information of the sales terminal device according to the second request instruction, extract the second longitude and latitude information corresponding to the access point when the user applies to access the sales terminal device;

[0145] a transaction distance determination module, configured to determine a transaction distance between the sales terminal and the access point based on the first longitude and latitude information and the second longitude and latitude information;

[0146] The monitoring submodule is used to monitor business transaction requests based on transaction distance and security range.

[0147] According to an embodiment of the present application, the transaction distance determination module includes:

[0148] Radius parameter acquisition module, used to obtain the radius parameter of the earth;

[0149] The calculation module is used to calculate the corresponding transaction distance between the sales terminal and the access point using the earth spherical model according to the first longitude and latitude information, the second longitude and latitude information and the radius parameter.

[0150] According to an embodiment of the present application, the monitoring submodule includes:

[0151] A normal transaction module, configured to, in response to a transaction distance being less than or equal to a first safety range, normally process a business transaction request;

[0152] a collection transaction module, configured to collect a business transaction request in response to a transaction distance being greater than a first safety range and less than a second safety range;

[0153] The transaction rejection module is configured to reject the business transaction request in response to the transaction distance being greater than the second safety range.

[0154] According to an embodiment of the present application, the monitoring submodule further includes:

[0155] The inspection module is used to intervene manually to inspect the business transaction request in response to monitoring that the business transaction request is collected or rejected.

[0156] According to an embodiment of the present application, the inspection module includes:

[0157] A review module, used to review the actual transaction environment of a business transaction request;

[0158] a deregistration module, configured to, in response to determining that a risk exists in a rejected business transaction request, deregister the user's permission to use the sales terminal device;

[0159] A reversal and reversal module is used to determine if a risk exists in a collected business transaction request, perform reversal or reversal on the business transaction request, and cancel the user's permission to use the sales terminal device;

[0160] The collection release module is used to perform collection release processing on the business transaction request in response to the collected business transaction request not being at risk.

[0161] According to embodiments of the present application, any multiple of the first determination module 910, the delineation module 920, the second determination module 930, and the monitoring module 940 may be combined into a single module, or any one of these modules may be split into multiple modules. Alternatively, at least part of the functionality of one or more of these modules may be combined with at least part of the functionality of other modules and implemented in a single module. According to embodiments of the present application, at least one of the first determination module 910, the delineation module 920, the second determination module 930, and the monitoring module 940 may be at least partially implemented as a hardware circuit, such as a field programmable gate array (FPGA), a programmable logic array (PLA), a system on a chip, a system on a substrate, a system on a package, an application-specific integrated circuit (ASIC), or may be implemented in hardware or firmware through any other reasonable means of circuit integration or packaging, or may be implemented in any one of software, hardware, and firmware, or any appropriate combination of these. Alternatively, at least one of the first determination module 910 , the delineation module 920 , the second determination module 930 and the monitoring module 940 may be at least partially implemented as a computer program module, which may perform corresponding functions when executed.

[0162] Figure 10 The block diagram schematically shows an electronic device suitable for implementing the business transaction monitoring method according to an embodiment of the present application.

[0163] like Figure 10 As shown, the electronic device 1000 according to an embodiment of the present application includes a processor 1001, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 1002 or a program loaded from a storage unit 1008 into a random access memory (RAM) 1003. The processor 1001 may include, for example, a general-purpose microprocessor (e.g., a CPU), an instruction set processor and / or a related chipset and / or a special-purpose microprocessor (e.g., an application-specific integrated circuit (ASIC)), etc. The processor 1001 may also include onboard memory for caching purposes. The processor 1001 may include a single processing unit or multiple processing units for performing different actions of the method flow according to the embodiment of the present application.

[0164] Various programs and data required for the operation of the electronic device 1000 are stored in the RAM 1003. The processor 1001, the ROM 1002, and the RAM 1003 are connected to each other via a bus 1004. The processor 1001 performs various operations of the method flow according to the embodiment of the present application by executing the programs in the ROM 1002 and / or the RAM 1003. It should be noted that the programs may also be stored in one or more memories other than the ROM 1002 and the RAM 1003. The processor 1001 may also perform various operations of the method flow according to the embodiment of the present application by executing the programs stored in the one or more memories.

[0165] According to an embodiment of the present application, electronic device 1000 may further include an input / output (I / O) interface 1005, which is also connected to bus 1004. Electronic device 1000 may also include one or more of the following components connected to I / O interface 1005: an input section 1006 including a keyboard, mouse, etc.; an output section 1007 including devices such as a cathode ray tube (CRT), liquid crystal display (LCD), and speakers; a storage section 1008 including a hard disk; and a communication section 1009 including a network interface card such as a LAN card or modem. Communication section 1009 performs communication processing via a network such as the Internet. A drive 1010 is also connected to I / O interface 1005 as needed. Removable media 1011, such as a magnetic disk, optical disk, magneto-optical disk, semiconductor memory, etc., is installed in drive 1010 as needed, so that computer programs read from the removable media can be installed into storage section 1008 as needed.

[0166] This application also provides a computer-readable storage medium, which may be included in the device / apparatus / system described in the above embodiments, or may exist independently and not be incorporated into the device / apparatus / system. The computer-readable storage medium carries one or more programs, and when the one or more programs are executed, the method according to the embodiments of this application is implemented.

[0167] According to an embodiment of the present application, a computer-readable storage medium may be a non-volatile computer-readable storage medium, and may include, for example, but not limited to: a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination thereof. In the present application, a computer-readable storage medium may be any tangible medium that contains or stores a program that can be used by or in conjunction with an instruction execution system, apparatus, or device. For example, according to an embodiment of the present application, a computer-readable storage medium may include the ROM 1002 and / or RAM 1003 described above and / or one or more memories other than ROM 1002 and RAM 1003.

[0168] The embodiments of the present application also include a computer program product, which includes a computer program containing program code for executing the method shown in the flowchart. When the computer program product is run in a computer system, the program code is used to enable the computer system to implement the method provided in the embodiments of the present application.

[0169] The computer program executes the above functions defined in the system / device of the embodiment of the present application when the computer program is executed by the processor 1001. According to the embodiment of the present application, the system, device, module, unit, etc. described above can be implemented by a computer program module.

[0170] In one embodiment, the computer program may be stored on a tangible storage medium such as an optical storage device or a magnetic storage device. In another embodiment, the computer program may be transmitted and distributed in the form of a signal on a network medium, downloaded and installed via the communication portion 1009, and / or installed from the removable medium 1011. The program code contained in the computer program may be transmitted using any appropriate network medium, including but not limited to wireless, wired, or any suitable combination thereof.

[0171] In such an embodiment, the computer program can be downloaded and installed from a network via the communication section 1009, and / or installed from the removable medium 1011. When the computer program is executed by the processor 1001, the above-mentioned functions defined in the system of the embodiment of the present application are performed. According to the embodiment of the present application, the systems, devices, means, modules, units, etc. described above can be implemented by computer program modules.

[0172] According to an embodiment of the present application, the program code for executing the computer program provided by the embodiment of the present application can be written in any combination of one or more programming languages. Specifically, these computer programs can be implemented using high-level procedural and / or object-oriented programming languages, and / or assembly / machine languages. Programming languages ​​include, but are not limited to, languages ​​such as Java, C++, Python, "C" or similar programming languages. The program code can be executed entirely on the user computing device, partially on the user device, partially on a remote computing device, or entirely on a remote computing device or server. In the case of a remote computing device, the remote computing device can be connected to the user computing device through any type of network, including a local area network (LAN) or a wide area network (WAN), or can be connected to an external computing device (for example, using an Internet service provider to connect via the Internet).

[0173] The flowcharts and block diagrams in the accompanying drawings illustrate the possible implementation architecture, functions and operations of the systems, methods and computer program products according to various embodiments of the present application. In this regard, each box in the flowchart or block diagram can represent a module, program segment, or a part of code, and the above-mentioned module, program segment, or a part of code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in an order different from that marked in the accompanying drawings. For example, two boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram or flowchart, and the combination of the boxes in the block diagram or flowchart, can be implemented with a dedicated hardware-based system that performs the specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0174] Those skilled in the art will appreciate that the features described in the various embodiments of this application may be combined and / or coupled in various ways, even if such combinations or couplings are not explicitly described in this application. In particular, the features described in the various embodiments of this application may be combined and / or coupled in various ways without departing from the spirit and teachings of this application. All such combinations and / or couplings fall within the scope of this application.

Claims

1. A business transaction monitoring method, characterized in that: The method comprises: In response to a first request instruction initiated by a user to access a sales terminal device, determining the business type of the user according to the first request instruction; Performing an electronic fence on the sales terminal device according to the business type, wherein the electronic fence is used to define a safe range for transactions to occur on the sales terminal device; In response to a second request instruction from a user to initiate a business transaction through the sales terminal device, determining first latitude and longitude information of the sales terminal device according to the second request instruction; The business transaction is monitored according to the first longitude and latitude information and the security range.

2. The method according to claim 1, characterized in that The electronic fence encircling the sales terminal device according to the business type includes: Determine the business scope corresponding to the business type according to the business type; Determining a safety range of the electronic fence based on the business scope; Based on the safety range, the sales terminal device is pre-circumscribed with an electronic fence.

3. The method according to claim 2, characterized in that The electronic fence encircling the sales terminal device according to the business type further includes: Deploy the sales terminal equipment based on the business scope; In response to a mismatch between the deployment location of the sales terminal device and the actual business scope of the user, revising the security scope of the electronic fence according to the actual business scope; Based on the revised safety range, the electronic fence of the sales terminal device is redefined.

4. The method according to claim 1, wherein The monitoring of the business transaction according to the first latitude and longitude information and the security range includes: In response to determining the first longitude and latitude information of the sales terminal device according to the second request instruction, extracting the second longitude and latitude information corresponding to the access point when the user applies to access the sales terminal device; determining a transaction distance between the sales terminal and the access point based on the first longitude and latitude information and the second longitude and latitude information; The business transaction request is monitored according to the transaction distance and the security range.

5. The method according to claim 4, characterized in that The determining, based on the first longitude and latitude information and the second longitude and latitude information, of a transaction distance between the sales terminal and the access point includes: Get the radius parameter of the earth; The transaction distance between the sales terminal and the access point is calculated using an earth spherical model according to the first longitude and latitude information, the second longitude and latitude information, and the radius parameter.

6. The method according to claim 4, characterized in that The security range includes a first security range and a second security range that is larger than the first security range, wherein monitoring the business transaction request according to the transaction distance and the security range includes: In response to the transaction distance being less than or equal to the first safety range, executing the business transaction request normally; In response to the transaction distance being greater than the first safety range and less than the second safety range, collecting the business transaction request; In response to the transaction distance being greater than the second safety range, the business transaction request is rejected.

7. The method according to claim 6, characterized in that The monitoring of the business transaction request according to the transaction distance and the safety range further includes: In response to monitoring that the business transaction request is collected or rejected, manual inspection of the business transaction request is performed.

8. The method according to claim 7, characterized in that In response to monitoring that the business transaction request is collected or rejected, manually inspecting the business transaction request includes: Review the actual transaction environment of the business transaction request; In response to determining that a risk exists in the rejected business transaction request, canceling the user's permission to use the sales terminal device; In response to determining that a risk exists in the collected business transaction request, reversing or reversing the business transaction request, and canceling the user's permission to use the sales terminal device; In response to the collected business transaction request not having any risk, the business transaction request is released from collection.

9. A business transaction monitoring device, characterized in that: The device comprises: A first determining module is configured to respond to a first request instruction initiated by a user to access a sales terminal device and determine the business type of the user according to the first request instruction; a demarcation module, configured to perform an electronic fence demarcation process on the sales terminal device according to the business type, wherein the electronic fence is used to demarcate a safe range for transactions of the sales terminal device; a second determining module, configured to respond to a second request instruction from a user to initiate a business transaction through the sales terminal device, and determine first latitude and longitude information of the sales terminal device according to the second request instruction; A monitoring module is used to monitor the business transaction based on the first longitude and latitude information and the security range.

10. An electronic device comprising: one or more processors; a memory for storing one or more computer programs; It is characterized in that the one or more processors execute the one or more computer programs to implement the steps of the method according to any one of claims 1 to 8.

11. A computer-readable storage medium having a computer program or instruction stored thereon, characterized in that: When the computer program or instruction is executed by a processor, the steps of the method according to any one of claims 1 to 8 are implemented.

12. A computer program product comprising a computer program or instructions, characterized in that When the computer program or instruction is executed by a processor, the steps of the method according to any one of claims 1 to 8 are implemented.

Images