A financial transaction instruction checking system based on a risk early warning mechanism

By asynchronously retrieving account-related data and combining it with multi-dimensional data to perform layered verification, the problems of data synchronization retrieval blockage and single-dimensional verification in existing technologies have been solved. This enables multi-dimensional risk identification and structured report generation for financial transaction instructions, thereby improving the accuracy of risk control.

CN122390865APending Publication Date: 2026-07-14
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Patent Information

Authority / Receiving Office
CN · China
Patent Type
Applications(China)
Filing Date
2026-04-22
Publication Date
2026-07-14

AI Technical Summary

Technical Problem

Existing financial transaction instruction verification systems are prone to access blockages during data synchronization and rely solely on single-dimensional data for verification, failing to effectively identify market and portfolio risks, and the verification results lack multi-dimensional presentation.

Method used

By asynchronously retrieving account-related data and performing layered verification processing based on multi-dimensional data, a structured report is generated that includes basic verification, market risk assessment, and portfolio risk projection.

Benefits of technology

Asynchronous data retrieval reduces database access pressure, enables accurate identification and layered verification of multi-dimensional risks, generates structured multi-dimensional verification reports, and supports more precise risk control.

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Abstract

The application relates to the technical field of financial transaction risk management, in particular to a financial transaction instruction verification system based on a risk early warning mechanism, which comprises the following steps: an instruction receiving module receives a to-be-verified financial transaction instruction containing account identification, transaction targets and the like, a data scheduling module asynchronously calls historical transaction behavior portraits, holding position data and risk preference levels from an account center database based on the account identification, a market data analysis module obtains market snapshot, market depth, implied volatility and associated target price change sequences through a real-time market data calculation engine, a hierarchical verification module completes hierarchical verification according to multiple types of data and generates a multi-dimensional verification report, and an instruction processing module generates a final processing instruction in combination with the report and a risk control rule set. The system can relieve account database access blockage problems, realize hierarchical risk judgment and structured risk output of transaction instructions, and strengthen the integrity and pertinence of transaction instruction risk verification.
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