Banking outlet risk detection method and related device

Abstract

The embodiment of the invention provides a bank outlet risk detection method and a related device, and the method comprises the steps: determining an account risk value of at least one user based on risk account information in a risk account database and account change information of the at least one user; determining at least one business handling risk value based on actual communication information between at least one business person of the bank outlet and at least one user and reference communication information corresponding to the account risk value of at least one user; and based on the account risk value of the at least one user and the at least one business handling risk value, carrying out risk detection on the bank outlet to obtain a risk detection result of the bank outlet. According to the embodiment of the invention, the risk possibly brought by the user and the risk possibly brought by the business personnel are comprehensively considered, and the risk detection is carried out on the bank outlet based on the account risk value and the business handling risk value corresponding to the two risk sources, so that the detection precision can be effectively improved, and the safety of the business handling process is ensured.

Description

Technical Field

[0001] The present application relates to the field of computer technology, and in particular to a risk detection method and related devices for bank branches. Background Art

[0002] In the daily operations of bank branches, business personnel need to process massive amounts of data. Due to the huge amount of data and the fact that bank branches rely on manual processing by business personnel, it is difficult to ensure the data security of the business processing process.

[0003] Currently, risk assessments can be performed at bank branches to improve data security by verifying whether staff members are complying with relevant regulations. However, because this approach only targets staff members at bank branches, it can only identify risks posed by staff members to a certain extent, but cannot identify risks posed by non-staff members. This results in low accuracy in current risk assessment methods.

[0004] Therefore, a solution is urgently needed to solve the above technical problems. Summary of the Invention

[0005] Based on the above problems, the present application provides a risk detection method and related devices for bank branches, aiming to improve the accuracy of risk detection for bank branches.

[0006] The embodiments of this application disclose the following technical solutions:

[0007] In the first aspect, the present application provides a risk detection method for a bank branch, including:

[0008] determining an account risk value of the at least one user based on risk account information in a risk account database and account change information of the at least one user;

[0009] determining at least one business handling risk value based on actual communication information between at least one business person at a bank branch and the at least one user, and reference communication information corresponding to the account risk value of the at least one user;

[0010] Based on the account risk value of the at least one user and the at least one business handling risk value, a risk detection is performed on the bank branch to obtain a risk detection result of the bank branch.

[0011] In one possible implementation, determining the account risk value of at least one user based on the risk account information in the risk account database and the account change information of at least one user includes:

[0012] For each of the at least one user, matching the account change information of the user with the risk account information in the risk account database to determine the number of fund transactions between the user and the risk account;

[0013] An account risk value of each of the at least one user is determined based on the risk weight of the risk account, the number of fund transactions, and the amount of the fund transactions.

[0014] In one possible implementation, determining at least one business handling risk value based on actual communication information between at least one business person at a bank branch and the at least one user and reference communication information corresponding to the account risk value of the at least one user includes:

[0015] extracting keywords from actual communication information between at least one business person at a bank branch and the at least one user, to obtain keywords in the actual communication information;

[0016] The keywords in the actual communication information are matched with reference keywords to determine at least one business handling risk value, where the reference keywords are extracted from the reference communication information corresponding to the account risk value of the at least one user.

[0017] In a possible implementation, matching the keywords in the actual communication information with reference keywords to determine at least one business handling risk value includes:

[0018] matching the keywords in the actual communication information with the reference keywords, and determining the businesses corresponding to the unmatched keywords as risky businesses;

[0019] At least one business handling risk value is determined according to the risk type corresponding to the risky business, the historical number of occurrences of the risky business, and the historical number of occurrences of the risk type.

[0020] In a possible implementation, determining at least one business handling risk value based on the risk type corresponding to the risky business, the historical number of occurrences of the risky business, and the historical number of occurrences of the risk type includes:

[0021] For each risky business, determine the impact level of the risk type corresponding to the risky business based on the historical occurrence count of the risk type corresponding to the risky business and the historical occurrence count of other risk types other than the risk type corresponding to the risky business;

[0022] At least one business handling risk value is determined based on the impact degree value, the historical occurrence number of the risky business, and the historical occurrence number of the risk type.

[0023] In one possible implementation, performing risk detection on the bank branch based on the account risk value of the at least one user and the at least one business handling risk value to obtain the risk detection result of the bank branch includes:

[0024] Based on the account risk value of the at least one user and the at least one business handling risk value, performing risk detection on the bank branch to determine the risk value of the bank branch;

[0025] Based on the ratio of the risk value of the bank branch to the risk reference value of the bank branch, a risk detection result of the bank branch is determined.

[0026] In one possible implementation, the performing risk detection on the bank branch based on the account risk value of the at least one user and the at least one business handling risk value to determine the risk value of the bank branch includes:

[0027] Determine the ratio of the sum of the account risk values ​​of the at least one user to the number of account risk values ​​as the account risk average; and determine the ratio of the sum of the at least one business handling risk value to the number of business handling risk values ​​as the business handling risk average;

[0028] Based on the account risk average, the business handling risk value average, the first weight corresponding to the account risk average, and the second weight corresponding to the business handling risk value average, the bank branch is subjected to risk detection to determine the risk value of the bank branch.

[0029] In a possible implementation, determining the risk detection result of the bank branch based on the ratio of the risk value of the bank branch to the risk reference value of the bank branch includes:

[0030] The risk determination value is determined by subtracting a preset reference ratio from the ratio of the risk value of the bank branch to the risk reference value of the bank branch;

[0031] Based on the risk determination value, a risk detection result of the bank branch is determined.

[0032] Second aspect: The embodiment of the present application provides a risk detection device for a bank branch, comprising:

[0033] a first determining unit, a second determining unit, and a detecting unit;

[0034] The first determining unit is configured to determine an account risk value of the at least one user based on risk account information in the risk account database and account change information of the at least one user;

[0035] The second determining unit is configured to determine at least one business handling risk value based on actual communication information between at least one business personnel of the bank branch and the at least one user, and reference communication information corresponding to the account risk value of the at least one user;

[0036] The detection unit is configured to perform risk detection on the bank branch based on the account risk value of the at least one user and the at least one business handling risk value, and obtain a risk detection result of the bank branch.

[0037] A third aspect: An embodiment of the present application provides a computer device, the computer device comprising: a processor and a memory;

[0038] The memory is used to store program code and transmit the program code to the processor;

[0039] The processor is used to execute the steps of the risk detection method for a bank branch as described above according to the instructions in the program code.

[0040] Fourth aspect: An embodiment of the present application provides a computer-readable storage medium, on which a computer program is stored. When the computer program is executed by a processor, the steps of the risk detection method for a bank branch as described in the first aspect above are implemented.

[0041] Fifth aspect: An embodiment of the present application provides a computer program product. When the computer program product runs on a computer, the computer executes the steps of the risk detection method for a bank branch as described above.

[0042] Compared with the existing technology, this application has the following beneficial effects:

[0043] The embodiment of the present application provides a risk detection method for a bank branch, which determines the account risk value of at least one user based on the risk account information in the risk account database and the account change information of at least one user; determines at least one business handling risk value based on the actual communication information between at least one business personnel of the bank branch and the at least one user, and the reference communication information corresponding to the account risk value of the at least one user; and performs risk detection on the bank branch based on the account risk value of the at least one user and the at least one business handling risk value to obtain the risk detection result of the bank branch. In the method provided in the embodiment of the present application, the risks that may be brought by users and the risks that may be brought by business personnel are comprehensively considered, and the risk detection of the bank branch is performed based on the account risk value and the business handling risk value corresponding to the two risk sources, which can effectively improve the detection accuracy and ensure the security of the business handling process. BRIEF DESCRIPTION OF THE DRAWINGS

[0044] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the following briefly introduces the drawings required for use in the embodiments or the description of the prior art. Obviously, the drawings described below are only some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative labor.

[0045] Figure 1 A schematic diagram of an application scenario of a risk detection method for a bank branch provided in an embodiment of the present application;

[0046] Figure 2 A flow chart of a risk detection method for a bank branch provided in an embodiment of the present application;

[0047] Figure 3 A schematic diagram of risk detection results for a bank branch provided in an embodiment of the present application;

[0048] Figure 4 A schematic structural diagram of a risk detection device for a bank branch is provided for an embodiment of the present application. DETAILED DESCRIPTION

[0049] In order to help those skilled in the art better understand the present invention, the following will clearly and completely describe the technical solutions in the embodiments of the present invention in conjunction with the accompanying drawings. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those skilled in the art without creative work are within the scope of protection of this application.

[0050] Currently, risk assessments can be performed at bank branches to improve data security by verifying whether staff members are complying with relevant regulations. However, because this approach only targets staff members at bank branches, it can only identify risks posed by staff members to a certain extent, but cannot identify risks posed by non-staff members. This results in low accuracy in current risk assessment methods.

[0051] Based on this, an embodiment of the present application provides a risk detection method for a bank branch, which determines the account risk value of at least one user based on the risk account information in the risk account database and the account change information of at least one user; determines at least one business handling risk value based on the actual communication information between at least one business personnel of the bank branch and the at least one user, and the reference communication information corresponding to the account risk value of the at least one user; and performs risk detection on the bank branch based on the account risk value of the at least one user and the at least one business handling risk value to obtain the risk detection result of the bank branch. In the method provided in the embodiment of the present application, the risks that may be brought by users and the risks that may be brought by business personnel are comprehensively considered, and the bank branch is subjected to risk detection based on the account risk value and the business handling risk value corresponding to the two risk sources, which can effectively improve the detection accuracy and ensure the security of the business handling process.

[0052] It should be noted that the user-related information and data involved in this application (including but not limited to risk account information, account change information, actual communication information, as well as 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, use and processing of relevant data must comply with the relevant laws, regulations and standards of relevant countries and regions.

[0053] The following combination Figure 1 The following describes an application scenario of a risk detection method for a bank branch provided in an embodiment of the present application. The following figure is a schematic diagram of an application scenario of a risk detection method for a bank branch provided in an embodiment of the present application.

[0054] In the embodiment of the present application, the user terminal of the bank branch can exchange data with the server.

[0055] The user terminal 1101 may send account change information of each user to the server 1102. The server 1102 may determine the account risk value of the at least one user based on the account change information of the at least one user and the risk account information stored in the risk account database of the server 1102; determine at least one business handling risk value based on actual communication information between at least one business personnel of the bank branch and the at least one user and reference communication information corresponding to the account risk value of the at least one user; and perform risk detection on the bank branch based on the account risk value of the at least one user and the at least one business handling risk value to obtain a risk detection result for the bank branch.

[0056] The following combination Figure 2 Introducing a risk detection method for a bank branch provided by an embodiment of the present application, such as Figure 2As shown, the figure is a flow chart of a risk detection method for a bank branch provided in an embodiment of the present application, including S201-S203.

[0057] S201. Determine an account risk value of at least one user based on risk account information in a risk account database and account change information of at least one user.

[0058] In one possible implementation, for each of the at least one user, the account change information of the user is matched with the risk account information in the risk account database to determine the number of fund transactions between the user and the risk account. The specific steps are as follows:

[0059] Step 211: Determine the update time period of the risk account database based on each update time node of the risk account database.

[0060] The update time node is a time node at which risk account information is updated in the risk account database.

[0061] In this embodiment of the present application, the bank branch system may update the risk account database to add new risk accounts or delete accounts converted to low risk from the risk account database during operation. In this embodiment of the present application, the time period between each two adjacent update time nodes is determined as the update time period. This facilitates the subsequent determination of whether an account conducting financial transactions with a user is a risk account based on the update time period, thereby ensuring the accuracy of the determined risk accounts and, in turn, the accuracy of the account risk value.

[0062] Step 212: Determine the update time period in which the user account change time period falls according to the account change time period in the user account change information and the update time period of the risk account database.

[0063] In a possible implementation, the user's account change information includes historical change time points of the user's account, where the historical change time points of the user's account are time points at which each change occurs in the user's account.

[0064] Based on the historical change time points of the user account, a timeline of the user's account change can be generated. Similarly, based on the update time period of the risk account database, an update timeline of the risk account database can be generated.

[0065] By comparing the user's account change timeline with the update timeline of the risk account database, the interaction between the user and the risk account can be determined.

[0066] For example, the risk account database is updated weekly. In April of xxxx, the update timeline for the risk account database is: April 2, xxxx - April 9, xxxx - April 16, xxxx - April 23, xxxx - April 30, xxxx. The user account change timeline is: April 5, xxxx - April 20, xxxx. Therefore, if the user account change occurs on April 5, xxxx, the corresponding update time period is from April 2, xxxx to April 9, xxxx. If the user account change occurs on April 20, xxxx, the corresponding update time period is from April 16, xxxx to April 23, xxxx.

[0067] Step 213: Based on the risk account information corresponding to the update time period when the user account changes in the risk account database, and the account information that has financial transactions with the user account during the update time period, determine the number of financial transactions between the user and the risk account.

[0068] After determining the number of fund transactions between the user and the risk account, the account risk value of each user of the at least one user may be determined based on the risk weight of the risk account, the number of fund transactions, and the amount of the fund transactions.

[0069] The risk weight of the risk account can be pre-set based on the regulatory level of the risk account. The accuracy of risk detection can be improved by comprehensively analyzing the risk weight of the risk account, the number of fund transactions, and the amount of funds in the fund transactions.

[0070] For fund transactions between a user account and the same risk account, the amount of fund transactions can be calculated based on the update time period of the risk account database and when the risk weight of a certain risk account changes, at the time point when the risk weight of the risk account changes.

[0071] In one possible implementation, the process of determining the account risk value of each of the at least one user based on the risk weight of the risk account, the number of fund transactions, and the amount of the fund transactions may be implemented based on the following steps:

[0072] Step 221: Based on the number of risk changes of the user account and the risk weight of the risk account, determine the weight of the proportion of the number of risk changes of the user account to the user's account risk value.

[0073] The proportion weight can be expressed as follows based on formula (1):

[0074] (1)

[0075] in, Indicates the weight of the number of risk changes in the user's account and the user's account risk value; Indicates the risk severity corresponding to the update period of the risk account database; Indicates the risk weight of the risk account; Indicates the number of fund transactions between the user account and the risk account; Represents the number of risk changes of the user account; i represents the index of the update time period of the risk account database; j represents the total number of update time periods of the risk account database; m represents the index of the risk account corresponding to the user account; n represents the total number of risk accounts corresponding to the user account.

[0076] Step 222: Determine the capital risk value of the user account based on the risk change of the user account.

[0077] The risk change of the user account may be determined based on the fund transaction information between the user account and the risk account during the risk account database update period. The fund transaction information includes but is not limited to the number of fund transactions and the amount of funds.

[0078] Based on the risk change of the user account, the capital risk value of the user account can be determined based on formula (2) as follows:

[0079] (2)

[0080] in, Indicates the capital risk value of the user account; Indicates the risk weight of the risk account corresponding to the user account; Q m It represents the amount of funds transferred between the user account and the risk account; Q represents the amount of historical funds transferred between the user account and the risk account; m represents the index of the risk account corresponding to the user account; n represents the total number of risk accounts corresponding to the user account.

[0081] Step 223: Determine the user's account risk value based on the user's account fund risk value and the proportion weight.

[0082] Among them, the user's account risk value can be expressed as follows by formula (3):

[0083] (3)

[0084] Among them, R c Indicates the user's account risk value; w t Indicates the weight of the number of risk changes in the user's account and the user's account risk value; wq Indicates the capital risk value of the user account; T i It represents the number of risk changes in the user account; T represents the total number of transactions in the user account.

[0085] In some embodiments, if the number of account risk changes of a user account exceeds a risk change threshold during the update period of the risk account database, it is determined that the user's account risk value is too high, and this result can be directly fed back without determining the user's account risk value based on the above formula (3).

[0086] In some embodiments, if the number of transactions between the user account and the risk account exceeds the transaction number threshold, it is determined that the user's account risk value is too high, and this result can be directly fed back without determining the user's account risk value based on the above formula (3).

[0087] S202: Determine at least one business handling risk value based on actual communication information between at least one business person of a bank branch and the at least one user, and reference communication information corresponding to the account risk value of the at least one user.

[0088] Business personnel have received professional training for various types of business, including but not limited to the language used to communicate with users. For example, when business personnel find that a user's account risk value is high, they need to ask the user some key questions and decide whether to handle the business based on the user's answers.

[0089] On this basis, in the embodiment of the present application, by identifying the actual communication information between at least one business personnel of the bank branch and the at least one user, a foundation can be laid for subsequent risk analysis work.

[0090] Illustratively, in the method provided in the embodiment of the present application, the actual communication information between business personnel and users can be collected and converted into voice based on a voice recognition system, and the converted actual communication information can be compared with the reference communication information corresponding to the user's account risk value to determine the business handling risk value.

[0091] In one possible implementation, considering that for machine recognition, directly comparing the complete actual communication information with the reference communication information requires a large amount of data processing, which may reduce the efficiency and accuracy of the comparison. Based on this, in an embodiment of the present application, by extracting keywords from the actual communication information and matching the keywords in the actual communication information with the reference keywords, the business handling risk value is determined, thereby reducing the system's computing pressure and improving efficiency while ensuring the accuracy of the determined business handling risk value.

[0092] The reference keywords are extracted from reference communication information corresponding to the account risk value of the at least one user.

[0093] Exemplarily, based on steps 211 to 215 , the business handling risk value is determined based on keywords.

[0094] Step 211: extract keywords from actual communication information between at least one business person of a bank branch and the at least one user to obtain keywords in the actual communication information.

[0095] Business personnel can communicate with users based on the business they are handling and / or the user's account risk value. The voice recognition system obtains the actual communication information between business personnel and users and extracts keywords from it.

[0096] For example, for business A, the first user's account risk value is low, and the business personnel can ask the user the purpose of the transaction; similarly, for business A, the second user's account risk value is high, and the business personnel can refuse to handle business A for the user.

[0097] Business personnel can use different conversational scripts to communicate with users based on the business they are handling and their account risk level. Different conversational scripts contain different keywords, so corresponding reference keywords can be set based on different business and / or account risk levels for subsequent keyword matching and determining business handling risk levels.

[0098] Step 212: Match the keywords in the actual communication information with the reference keywords to obtain matching results.

[0099] In one example, the keywords in the actual communication information are matched with the reference keywords. If the keywords in the actual communication information have the same meaning as the reference keywords, the matching result is a match; if the keywords in the actual communication information have different meanings than the reference keywords, the matching result is a mismatch.

[0100] In another example, in an embodiment of the present application, corresponding risk value labels are set for different account risk values, and based on the user's risk value label, reference keywords corresponding to the risk value label can be called from a reference keyword library.

[0101] On this basis, the keywords in the actual communication information can be matched with the reference keywords to obtain matching results.

[0102] In another example, in the embodiment of the present application, corresponding service tags are set for different services, and based on the user's service tag, reference keywords corresponding to the service tag can be called from a reference keyword library.

[0103] On this basis, the keywords in the actual communication information can be matched with the reference keywords to obtain matching results.

[0104] Step 213: If the matching result is a match, it is determined that there is no business handling risk during the business personnel's business handling process; if the matching result is a mismatch, it is determined that there is a business handling risk during the business personnel's business handling process.

[0105] In one possible implementation method, when the matching result is a mismatch, the actual communication information and the reference communication information can be matched based on a big data model. If the actual communication information and the reference communication information still do not match, it can be determined that there is a business handling risk in the business personnel's business handling process.

[0106] Step 214: When it is determined that there is a business handling risk during the business handling process of the business personnel, the business handling risk information of this time is recorded in the information database of the business personnel.

[0107] Illustratively, in the method provided in the embodiment of the present application, the business corresponding to the unmatched keyword can be determined as a risky business of the business person, and the relevant information can be recorded in the information database of the business person.

[0108] In an embodiment of the present application, a business personnel information database can be established, which contains business handling information of each business personnel, such as which risky businesses the business personnel have handled, the risk types corresponding to the risky businesses, the number of occurrences, etc.

[0109] In some embodiments, the information database of the business personnel can also record all the work information of the business personnel. Because the losses caused by some risky businesses are lagging, in the embodiments of the present application, by recording all work information, it is possible to trace the risky business of the business personnel in subsequent risk analysis.

[0110] Step 215: For each business personnel, determine at least one business handling risk value according to the risk type corresponding to the risky business, the historical occurrence number of the risky business, and the historical occurrence number of the risk type.

[0111] In one possible implementation, for each risky business, the impact level value of the risk type corresponding to the risky business is determined based on the historical number of occurrences of the risk type corresponding to the risky business and the historical number of occurrences of other risk types except the risk type corresponding to the risky business; and at least one business handling risk value is determined based on the impact level value, the historical number of occurrences of the risky business, and the historical number of occurrences of the risk type.

[0112] The impact degree value can be expressed as follows based on formula (4):

[0113] (4)

[0114] Among them, H represents the impact degree value; Indicates the historical number of occurrences of the risky business to be analyzed; represents the historical number of occurrences of the p-th risky business; p represents the index of the risky business type; q represents the total number of risky business types.

[0115] In this embodiment of the present application, by determining the number of occurrences of different risky businesses and calculating the impact value, it is essentially equivalent to determining the proportion of risky businesses among all risky businesses. A higher proportion indicates a more frequent risk and a greater impact of the risk.

[0116] In one example, a unique information identifier is set for each risky business, and the number of occurrences of the risky business is recorded to obtain the historical number of occurrences of the risky business to be analyzed.

[0117] The historical number of occurrences of the pth type of risky business refers to the historical number of occurrences of all risky businesses that have occurred, that is, the sum of the number of occurrences of all types of risky businesses.

[0118] By comparing the impact level value with the preset impact level interval, the severity of the risky business corresponding to the preset impact level interval in which the risky business corresponding to the impact level value falls can be determined.

[0119] After determining the severity of the risky business, the business personnel's business handling ability deficiency can be determined based on the risk types corresponding to different risky businesses, and the business handling risk value can be determined based on the business handling ability deficiency and the severity of the risky business.

[0120] Among them, the business handling risk value can be expressed as follows based on formula (5):

[0121] (5)

[0122] in, Indicates the business handling risk value; Indicates the severity of the risky business; Indicates the historical occurrence count of the risk type corresponding to the risk business; Indicates the historical occurrence count of other risk types except the risk type corresponding to the risk business. ) / ( ) is the degree of deficiency in business handling capability.

[0123] In an embodiment of the present application, after the business handling capability defect degree is determined, the business handling risk value is determined based on the defect degree. Considering that the business handling capability defect degree is generated based on historical data, the business handling risk value can be predicted.

[0124] The reason why the numerator and denominator are in the form of "+1" is because the numerator is used to explain that after a certain risk business occurs, it is equivalent to happening again compared with historical data, so it needs to be added by 1.

[0125] Among them, the denominator is the historical number of occurrences of the business processing type corresponding to the risk business. In banking business processing, there is a situation where there are multiple possible risk businesses in a certain business type. In other words, risk businesses and business processing types are not one-to-one corresponding. Therefore, in the processing of risk businesses, the denominator uses the business processing type corresponding to the risk business, which can realize the calculation of the proportion of risk businesses in the business processing type to determine the business processing risk value in a certain business processing type.

[0126] S203: Based on the account risk value of the at least one user and the at least one business handling risk value, perform risk detection on the bank branch to obtain a risk detection result of the bank branch.

[0127] In one possible implementation, based on the account risk value of the at least one user and the at least one business handling risk value, the bank branch is subjected to risk detection to determine the risk value of the bank branch; and based on the ratio of the risk value of the bank branch to the risk reference value of the bank branch, the risk detection result of the bank branch is determined.

[0128] In an embodiment of the present application, the ratio of the sum of the account risk values ​​of the at least one user to the number of account risk values ​​can be determined as the account risk average; and the ratio of the sum of the at least one business processing risk value to the number of business processing risk values ​​can be determined as the business processing risk average.

[0129] Based on the account risk average, the business handling risk value average, the first weight corresponding to the account risk average, and the second weight corresponding to the business handling risk value average, the bank branch is subjected to risk detection to determine the risk value of the bank branch.

[0130] The difference obtained by subtracting a preset reference ratio from the ratio of the risk value of the bank branch to the risk reference value of the bank branch is determined as the risk determination value; and the risk detection result of the bank branch is determined based on the risk determination value.

[0131] Among them, the risk value of bank branches can be expressed as follows by formula (6):

[0132] (6)

[0133] in, Indicates the risk value of a single bank branch; Indicates the second weight corresponding to the average business risk value; (1- ) represents the first weight corresponding to the account risk mean; Indicates the risk value of the e-th business transaction; represents the account risk value of the e-th user; e represents the business handling risk value and / or the user's account risk value index; f represents the number of business handling risk values ​​and / or user's account risk values.

[0134] In an embodiment of the present application, for the risk value of a single bank branch, the existing historical business processing risk value weights and the user's account risk value weights are calculated as a whole, so as to associate all risk factors existing in the counter with the overall risk value of the counter to obtain a processing result.

[0135] In another possible implementation, a reference risk value of a single branch may be configured based on historical risk value data of the single branch.

[0136] In some embodiments, a risk average value is obtained by averaging historical risk value data of a single branch, and a reference risk value of the single branch can be configured based on the risk average value.

[0137] In other embodiments, the reference risk value of a single bank branch can be configured based on the funds held or allocated by the branch. For example, if a bank has a large amount of funds held or allocated, the reference risk value of the bank branch can be lowered.

[0138] The ratio of the risk value of the single branch to the reference risk value is determined as a risk value ratio. The risk value ratio can be used to describe the current risk severity of the single branch.

[0139] By comparing the risk value ratio with a risk value reference ratio, the risk severity corresponding to the risk value can be determined.

[0140] In some embodiments, by calculating the risk value ratios of the entire banking system and calculating the average of the risk value ratios, the average can be used as a reference risk value ratio.

[0141] In a possible implementation, the risk level of the bank branch may be determined based on the risk value reference ratio.

[0142] For example, when the risk value reference ratio is 1.0~1.1, the corresponding risk level is mild risk; when the risk value reference ratio is 1.1~1.2, the corresponding risk level is moderate risk; when the risk value reference ratio is greater than 1.2, the corresponding risk level is severe risk.

[0143] In another possible implementation, the risk determination value may be determined based on the absolute value of the difference between the risk value ratio and the risk value reference ratio.

[0144] The purpose of this step is that for the risk judgment value, the risk value ratio will obviously have two adjacent risk value reference ratios. By calculating the difference, the distance between the risk value ratio and the risk value reference ratio can be determined, which can be used to reasonably determine the risk level of the bank branch counter.

[0145] The absolute value of the difference between the risk value ratio and the risk value reference ratio is calculated to obtain the risk judgment value.

[0146] Among them, for the risk determination value, it is necessary to determine two adjacent risk value reference ratios to calculate the difference and obtain two risk determination values.

[0147] In some embodiments, the absolute value of the difference between the risk value ratio and all risk value reference ratios is obtained to obtain N risk determination values, where N>2.

[0148] When the risk determination value is the smallest, it indicates that the risk determination value and the corresponding risk value reference ratio are closest, and the risk level of the bank branch can be determined based on the risk value reference ratio.

[0149] In other embodiments, based on the N risk determination values ​​obtained, the minimum M risk determination values ​​are obtained, and the most severe risk level corresponding to the M risk determination values ​​is used as the risk level of the bank branch, where M is greater than or equal to 2 and less than N.

[0150] like Figure 3 As shown in the figure, this figure is a schematic diagram of the risk detection results of a bank branch provided in an embodiment of the present application. For example, the risk level of a bank branch is determined based on a certain bank branch as the research object. For the business handling risk value, the severity of the business risk represented by each branch is first clarified (and marked in brackets). At the same time, the user's account risk value is also processed accordingly. These two types of risk values ​​are calculated separately, and then the weights corresponding to the business handling risk value and the weights corresponding to the user account risk value are determined. The calculation results are 0.69 and 0.31 respectively. These two weight values ​​are determined based on the historical number of risk occurrences, the losses caused by the risks, and other relevant factors. After obtaining these two types of weights, further calculations can be used to conclude that the risk value of the bank branch is 0.91.

[0151] Furthermore, the method provided in the embodiments of this application includes a risk alert system for all bank branch counter risk detection. When business risks are detected, the bank branch counter risk can be re-detected based on the above method. This establishes a solution that recalculates bank branch counter risk detection results after business risks arise, thereby enabling real-time detection of bank branch counter risk.

[0152] To sum up, the method provided in the embodiment of the present application, during risk detection, not only analyzes the risks that may be caused by the operations of business personnel, but also analyzes the risks posed by the customers themselves. Then, based on these two risk sources, the risks of the entire business are determined, and then the overall bank branch counter risks are obtained to obtain more accurate results, which can effectively improve the detection accuracy and ensure the security of the business processing process.

[0153] At the same time, during risk detection, the customer's own risk and the transaction risk during the transaction are obtained in real time. Based on the corresponding algorithm, the risk of the entire transaction is analyzed, and the risk of the current transaction period is determined. In addition, the obtained risk value is used as historical data to determine the parameters required for all risk detection in subsequent risk analysis, thereby improving the real-time risk detection at bank counters.

[0154] Furthermore, during risk detection, all generated risk factors are used as historical data, and relevant variables are derived for use in risk detection. This creates a comprehensive business risk detection method based on historical data, thereby improving the integrity of bank counter risk detection. Furthermore, since the relevant parameters in the detection algorithm are adjusted based on historical data, this method allows for real-time adjustment of risk detection standards in practice, thus enhancing the completeness of the entire bank counter risk detection method. Furthermore, based on all individual business risks, the overall business risk of bank counters is obtained, thereby comprehensively improving the integrity of risk detection.

[0155] This application provides a risk detection device for bank branches, see Figure 4 This figure is a structural diagram of a risk detection device for a bank branch provided in an embodiment of the present application. Its specific implementation method is consistent with the implementation method and the technical effect achieved in the embodiment of the above method, and some contents will not be repeated here.

[0156] This embodiment of the present application provides a risk detection device 4100 for a bank branch, including:

[0157] A first determining unit 4101, a second determining unit 4102, and a detecting unit 4103;

[0158] The first determining unit 4101 is configured to determine an account risk value of at least one user based on risk account information in a risk account database and account change information of at least one user;

[0159] The second determining unit 4102 is configured to determine at least one business handling risk value based on actual communication information between at least one business person at a bank branch and the at least one user, and reference communication information corresponding to the account risk value of the at least one user;

[0160] The detection unit 4103 is configured to perform risk detection on the bank branch based on the account risk value of the at least one user and the at least one business handling risk value, and obtain a risk detection result of the bank branch.

[0161] In a possible implementation, the first determining unit is specifically configured to:

[0162] For each of the at least one user, matching the account change information of the user with the risk account information in the risk account database to determine the number of fund transactions between the user and the risk account;

[0163] An account risk value of each of the at least one user is determined based on the risk weight of the risk account, the number of fund transactions, and the amount of the fund transactions.

[0164] In a possible implementation, the second determining unit is specifically configured to:

[0165] extracting keywords from actual communication information between at least one business person at a bank branch and the at least one user, to obtain keywords in the actual communication information;

[0166] The keywords in the actual communication information are matched with reference keywords to determine at least one business handling risk value, where the reference keywords are extracted from the reference communication information corresponding to the account risk value of the at least one user.

[0167] In a possible implementation, the second determining unit is specifically configured to:

[0168] matching the keywords in the actual communication information with the reference keywords, and determining the businesses corresponding to the unmatched keywords as risky businesses;

[0169] At least one business handling risk value is determined according to the risk type corresponding to the risky business, the historical number of occurrences of the risky business, and the historical number of occurrences of the risk type.

[0170] In a possible implementation, the second determining unit is specifically configured to:

[0171] For each risky business, determine the impact level of the risk type corresponding to the risky business based on the historical occurrence count of the risk type corresponding to the risky business and the historical occurrence count of other risk types other than the risk type corresponding to the risky business;

[0172] At least one business handling risk value is determined based on the impact degree value, the historical occurrence number of the risky business, and the historical occurrence number of the risk type.

[0173] In a possible implementation, the detection unit is specifically configured to:

[0174] Based on the account risk value of the at least one user and the at least one business handling risk value, performing risk detection on the bank branch to determine the risk value of the bank branch;

[0175] Based on the ratio of the risk value of the bank branch to the risk reference value of the bank branch, a risk detection result of the bank branch is determined.

[0176] In a possible implementation, the detection unit is specifically configured to:

[0177] Determine the ratio of the sum of the account risk values ​​of the at least one user to the number of account risk values ​​as the account risk average; and determine the ratio of the sum of the at least one business handling risk value to the number of business handling risk values ​​as the business handling risk average;

[0178] Based on the account risk average, the business handling risk value average, the first weight corresponding to the account risk average, and the second weight corresponding to the business handling risk value average, the bank branch is subjected to risk detection to determine the risk value of the bank branch.

[0179] In a possible implementation, the detection unit is specifically configured to:

[0180] The risk determination value is determined by subtracting a preset reference ratio from the ratio of the risk value of the bank branch to the risk reference value of the bank branch;

[0181] Based on the risk determination value, a risk detection result of the bank branch is determined.

[0182] To sum up, the device provided in the embodiment of the present application, during risk detection, not only analyzes the risks that may be caused by the operations of business personnel, but also analyzes the risks posed by the customers themselves. Then, based on these two risk sources, the risk of the entire business is determined, and then the overall bank branch counter risk is obtained to obtain more accurate results, which can effectively improve the detection accuracy and ensure the security of the business processing process.

[0183] At the same time, during risk detection, the customer's own risk and the transaction risk during the transaction are obtained in real time. Based on the corresponding algorithm, the risk of the entire transaction is analyzed, and the risk of the current transaction period is determined. In addition, the obtained risk value is used as historical data to determine the parameters required for all risk detection in subsequent risk analysis, thereby improving the real-time risk detection at bank counters.

[0184] Furthermore, during risk detection, all generated risk factors are used as historical data, and relevant variables are derived for use in risk detection. This creates a comprehensive business risk detection method based on historical data, thereby improving the integrity of bank counter risk detection. Furthermore, since the relevant parameters in the detection algorithm are adjusted based on historical data, this method allows for real-time adjustment of risk detection standards in practice, thus enhancing the completeness of the entire bank counter risk detection method. Furthermore, based on all individual business risks, the overall business risk of bank counters is obtained, thereby comprehensively improving the integrity of risk detection.

[0185] An embodiment of the present application provides a computer device, the computer device comprising: a processor and a memory;

[0186] The memory is used to store program code and transmit the program code to the processor;

[0187] The processor is used to execute the steps of the risk detection method for a bank branch as described above according to the instructions in the program code.

[0188] An embodiment of the present application provides a computer-readable storage medium having a computer program stored thereon. When the computer program is executed by a processor, the steps of the risk detection method for a bank branch as described above are implemented.

[0189] An embodiment of the present application provides a computer program product. When the computer program product is run on a computer, the computer executes the steps of the risk detection method for a bank branch as described above.

[0190] The above is merely one specific embodiment of the present application, but the scope of protection of the present application is not limited thereto. Any changes or substitutions that can be easily conceived by a person skilled in the art within the technical scope disclosed in this application should be included in the scope of protection of the present application. Therefore, the scope of protection of the present application should be based on the scope of protection of the claims.

Claims

1. A risk detection method for a bank branch, characterized in that: include: determining an account risk value of the at least one user based on risk account information in a risk account database and account change information of the at least one user; determining at least one business handling risk value based on actual communication information between at least one business person at a bank branch and the at least one user, and reference communication information corresponding to the account risk value of the at least one user; Based on the account risk value of the at least one user and the at least one business handling risk value, a risk detection is performed on the bank branch to obtain a risk detection result of the bank branch.

2. The method according to claim 1, characterized in that The determining, based on the risk account information in the risk account database and the account change information of the at least one user, the account risk value of the at least one user includes: For each of the at least one user, matching the account change information of the user with the risk account information in the risk account database to determine the number of fund transactions between the user and the risk account; An account risk value of each of the at least one user is determined based on the risk weight of the risk account, the number of fund transactions, and the amount of the fund transactions.

3. The method according to claim 1, characterized in that The determining of at least one business handling risk value based on actual communication information between at least one business personnel of a bank branch and the at least one user and reference communication information corresponding to the account risk value of the at least one user includes: extracting keywords from actual communication information between at least one business person at a bank branch and the at least one user, to obtain keywords in the actual communication information; The keywords in the actual communication information are matched with reference keywords to determine at least one business handling risk value, where the reference keywords are extracted from the reference communication information corresponding to the account risk value of the at least one user.

4. The method according to claim 3, characterized in that The matching of the keywords in the actual communication information with the reference keywords to determine at least one business handling risk value includes: matching the keywords in the actual communication information with the reference keywords, and determining the businesses corresponding to the unmatched keywords as risky businesses; At least one business handling risk value is determined according to the risk type corresponding to the risky business, the historical number of occurrences of the risky business, and the historical number of occurrences of the risk type.

5. The method according to claim 4, characterized in that The determining of at least one business handling risk value according to the risk type corresponding to the risky business, the historical occurrence number of the risky business, and the historical occurrence number of the risk type includes: For each risky business, determine the impact level of the risk type corresponding to the risky business based on the historical occurrence count of the risk type corresponding to the risky business and the historical occurrence count of other risk types other than the risk type corresponding to the risky business; At least one business handling risk value is determined based on the impact degree value, the historical occurrence number of the risky business, and the historical occurrence number of the risk type.

6. The method according to claim 1, wherein The performing risk detection on the bank branch based on the account risk value of the at least one user and the at least one business handling risk value to obtain the risk detection result of the bank branch includes: Based on the account risk value of the at least one user and the at least one business handling risk value, performing risk detection on the bank branch to determine the risk value of the bank branch; Based on the ratio of the risk value of the bank branch to the risk reference value of the bank branch, a risk detection result of the bank branch is determined.

7. The method according to claim 6, characterized in that The performing risk detection on the bank branch based on the account risk value of the at least one user and the at least one business handling risk value to determine the risk value of the bank branch includes: Determine the ratio of the sum of the account risk values ​​of the at least one user to the number of account risk values ​​as the account risk average; and determine the ratio of the sum of the at least one business handling risk value to the number of business handling risk values ​​as the business handling risk average; Based on the account risk average, the business handling risk value average, the first weight corresponding to the account risk average, and the second weight corresponding to the business handling risk value average, the bank branch is subjected to risk detection to determine the risk value of the bank branch.

8. The method according to claim 6, characterized in that The determining of the risk detection result of the bank branch based on the ratio of the risk value of the bank branch to the risk reference value of the bank branch includes: The risk determination value is determined by subtracting a preset reference ratio from the ratio of the risk value of the bank branch to the risk reference value of the bank branch; Based on the risk determination value, a risk detection result of the bank branch is determined.

9. A risk detection device for a bank branch, characterized in that: include: a first determining unit, a second determining unit, and a detecting unit; The first determining unit is configured to determine an account risk value of the at least one user based on risk account information in the risk account database and account change information of the at least one user; The second determining unit is configured to determine at least one business handling risk value based on actual communication information between at least one business personnel of the bank branch and the at least one user, and reference communication information corresponding to the account risk value of the at least one user; Based on the account risk value of the at least one user and the at least one business handling risk value, a risk detection is performed on the bank branch to obtain a risk detection result of the bank branch.

10. A computer device, characterized in that: The computer device includes: a processor and a memory; The memory is used to store program code and transmit the program code to the processor; The processor is used to execute the steps of the risk detection method for a bank branch according to any one of claims 1 to 8 according to the instructions in the program code.

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