97 results about "Financial security" patented technology

The invention relates to the technical field of cloud computing financial security, and provides a financial data encryption transmission and storage method. The method is characterized by comprising the following steps of: executing sensitivity-driven data grading fragmentation on a user terminal; dynamic elliptic curve encryption is carried out on transmission data through a two-channel encryption engine, and fully homomorphic encryption is carried out on storage data; dynamically distributing the fragments to heterogeneous cloud nodes by the multi-cloud routing based on reinforcement learning; a distributed key management matrix is constructed, key fragments are dispersed and stored in a block chain and a hardware security module, and reconstruction is activated through biological characteristics. The method has the advantages that full-link ciphertext operation is realized, and the plaintext exposure risk is eliminated; ciphertext state financial calculation is supported; single point failure is resisted; the APT attack is defended dynamically; and the quantum security evolution capability is realized. The method is suitable for mobile banks, cross-border payment and other scenes.

The invention discloses a data classification management and control method based on artificial intelligence, and relates to the technical field of data classification management and control, and the method comprises the following steps: capturing all data streams transmitted from a sensitive information storage device in real time through a network flow monitoring tool, employing a deep packet detection technology, analyzing a network packet, and obtaining specific transmission data; the method comprises the following steps: preprocessing captured transmission data, and dividing the preprocessed transmission data according to predefined fields; according to the method, a deep packet detection technology is utilized to obtain transmission content and pre-process and divide data, a field collection database is established in combination with an enterprise security policy, similarity analysis is performed through a machine learning model, and the data is divided into high-sensitivity data and low-sensitivity data. Face recognition authentication is carried out before high-sensitivity data transmission, and data which does not pass authentication are encrypted and transmitted by adopting TLS / SSL, so that the security in the transmission process is ensured, financial information leakage is effectively prevented, the financial security of enterprises is ensured, and economic loss and financial crisis are avoided.

The invention provides a model construction method and system for predicting enterprise financial data, and relates to the technical field of data scientificity, the cost-income ratio, gross profit rate, profit conversion rate and free cash flow ratio of an enterprise are calculated by extracting financial data of the enterprise in the quarter of the last year, and then a financial health index is generated; calculating an income change rate and an average profit rate of the industry in combination with historical financial data of other enterprises in the industry, generating a financial correction factor, predicting a financial safety index by using a neural network model, correcting the financial safety index through a regulation factor, obtaining a final financial safety index correction value, and setting a financial risk threshold value. And judging the financial health state of the enterprise. According to the method, the financial prediction model is constructed by collecting and processing the enterprise financial data and combining the industry financial correction factors, and dynamic evaluation and risk early warning of the enterprise financial health state are achieved.

The invention is suitable for the technical field of financial security, and provides a financial transaction real-time anti-fraud monitoring method and system, and the method comprises the steps: collecting user equipment interaction data in real time, extracting an operation curvature change spectrum feature vector, and recognizing a conventional verification step missing time period and an equipment silent state interval; calculating a local entropy speed increase rate and capital network temperature gradient space distribution, and generating an entropy change index; setting a curvature detection threshold value according to the entropy change index, executing multi-scale mode matching on the equipment silent state interval, and obtaining equipment peripheral signal data; performing space-time convolution fusion on the peripheral signal data and the pressure value sequence, and executing a pressure test; and carrying out space-time correlation analysis, identifying a multi-dimensional abnormal signal, and generating a cross-scale risk early warning instruction. Through multi-dimensional data fusion and dynamic risk assessment, the accuracy and scene adaptability of financial transaction real-time anti-fraud monitoring are improved, and an effective guarantee is provided for financial transaction security.

The invention discloses an intelligent internal control test verification method and system, and relates to the technical field of enterprise internal control verification, and the method comprises the following steps: comprehensively collecting the actual detection information of all examination and approval nodes in a business scene of a multi-stage examination and approval process, and building a complete analysis set; and after each examination and approval node completes examination and approval detection, preliminarily identifying examination and approval nodes which are not executed according to expectation in the examination and approval process. The nodes are classified into the high-risk examination and approval nodes and the normal examination and approval nodes, differential internal control is achieved, a new examination and approval link is inserted into the high-risk nodes, the frequency is dynamically adjusted according to the risk level, the safety in a high-risk scene is improved, and excessive intervention in a low-risk scene is avoided. Through real-time monitoring and dynamic adjustment, logic conflicts and process vulnerabilities are reduced, fund leakage and unauthorized operation are prevented, internal control resource optimization is realized, approval efficiency is improved, compliance and financial safety of enterprises are guaranteed, and powerful support is provided for stable operation of the enterprises.

The invention relates to the technical field of information processing, in particular to a logistics network fund payment bill auditing method, device and equipment and a storage medium, and the method comprises the steps: importing a courier fund payment bill uploaded by a network user side, marking the courier fund payment bill as a payment bill, and analyzing the payment bill. Checking the bill analysis information, classifying the bill analysis information according to a checking result, obtaining a bill passing the checking and a bill not passing the checking, carrying out data analysis on the bill not passing the checking, generating user prompt information, and carrying out payment on the bill passing the checking, so that commission can be directly paid to an account of a courier from the platform; the financial management process is simplified, the commission issuing timeliness and efficiency are improved, the error rate is reduced, the fund safety of logistics enterprises can be guaranteed, the manpower management cost is reduced, the transparency of the payment process is improved, disputes between couriers and outlets are reduced, and the work enthusiasm of the couriers is improved.

The invention relates to the technical field of business and financial fusion, and discloses a business and financial fusion fine management system, which comprises a data integration processing center platform, can realize seamless integration of data by introducing a cloud computing technology, and is used for realizing real-time interaction and analysis of business data and financial data. Through an advanced technical means, the barrier between traditional business and finance is broken through, and high fusion and sharing of data are realized. The financial safety is ensured, the enterprise operation efficiency is improved, and the management cost is reduced. The system not only strengthens enterprise internal monitoring, but also realizes real-time analysis and remote monitoring of financial data through the application of the cloud computing platform, and greatly improves the response speed and decision-making efficiency of enterprises to market changes. On the premise that the risk is controllable, reasonable allocation of enterprise resources is promoted, and powerful guarantee is provided for robust development and continuous profit of enterprises.

The invention discloses a platform shield determination method and a related device, and relates to the technical field of financial security. Comprising the steps of determining a target enterprise proposing a target financing loan service, a target bank corresponding to the target financing loan service and a verification link where the target financing loan service is located; and based on the target bank, the target enterprise, the verification link and the target database, determining a target platform shield for promoting the target financing loan business to pass through the verification link. The target database is generated based on the information of the platform shield which is allowed to be used by the enterprise by the bank in each verification link in the financing loan business process. The target enterprise, the target bank and the verification link are accurately matched with the information in the target database, so that the target platform shield which can pass the verification link can be efficiently and accurately determined, and the safety and efficiency of business processing are remarkably improved.

The invention discloses an anti-money laundering intelligent analysis system and method, and relates to the technical field of financial security, and the method comprises the steps: defining nodes and edges for a transaction subject and a fund flow direction based on an original transaction data set, and constructing a transaction relation graph; analyzing an abnormal region set of fund flow based on the transaction relation graph, identifying whether a hidden transaction mode exists in the abnormal region set, and extracting a suspicious transaction sub-graph; performing risk assessment on each node in the suspicious transaction subgraph by adopting a random forest algorithm, if a risk score is greater than a risk threshold, marking the node as a high-risk node, and generating a high-risk transaction path; the contextual information of a high-risk transaction path is extracted, feature vectorization processing is performed on the contextual information, a risk interpretation model is constructed, a risk interpretation report is generated, and a set of complete interpretable anti-money laundering risk control system is realized.

The invention provides a multi-factor biological recognition and behavior feature fusion identity verification method and system, and the method comprises the steps: responding to any financial user at the entrance position of a corresponding financial place, carrying out the height comparison of the financial user and an entrance door frame, and obtaining a comparison result; the financial user is endowed with a corresponding first attribute based on a comparison result; responding to any financial user with the first attribute facing the ATM equipment in the equipment interaction circle corresponding to any ATM equipment, and giving a corresponding second attribute to the financial user based on the obtained posture information corresponding to the financial user; in response to the fact that the financial data card is inserted into the ATM equipment and the first attribute and the second attribute corresponding to the financial user correspond to the juvenile attribute, identity information corresponding to the financial user is obtained, and information verification is conducted on the identity information on the basis of pre-stored verification information corresponding to the financial data card. The financial security is at least improved.

The invention relates to the technical field of financial security, in particular to a secure payment method and device for a financial order, computer equipment and a storage medium, and the method comprises the steps: obtaining login environment information, position information and vehicle binding information of a user, and obtaining a historical payment position if the login environment information is detected to accord with a preset payment environment, and determining a first payment position range, determining a second payment position range according to the first payment position range and the historical payment position, and if it is detected that the position information is in the second payment position range, completing safe payment of the order. Login environment information, position information and vehicle binding information are acquired, if the login environment information accords with a preset payment environment, the position information is detected, if the position information accords with a second payment position range, the vehicle binding information is detected, and if the vehicle binding information accords with binding operation on a preset operation page, order payment is completed. Therefore, the payment risk is comprehensively and automatically detected, and the payment of the financial order is safely completed.

The invention discloses an account quotation management method and system based on account credible authentication. The method comprises the following steps: extracting account information from a data warehouse, extracting a credible factor, and constructing an account credible file; acquiring flow data of the account; performing account risk level evaluation according to the account credible file and the flow data to obtain an account risk level; determining a rating decision according to the account risk level to obtain a decision result; when the decision result is passing or manual service, the flow data is input to an account credibility rating model for credibility rating evaluation to obtain an account credibility rating; acquiring account related information; calculating the account quota according to the account credibility level and the account related information to obtain a calculation result; and outputting the account risk level and the calculation result. By implementing the method provided by the invention, more comprehensive, flexible and efficient risk control and limit management can be realized, various transaction and account risks can be better handled, and financial security and user experience are improved.

The invention provides a multi-dimensional anti-fraud and risk control auditing method and system for large-amount transactions, and relates to the technical field of financial security, and the method comprises the steps: segmenting historical data of two transaction parties to extract multi-dimensional features, decomposing a transaction amount sequence in combination with wavelet transform, and constructing a behavior probability distribution model; acquiring equipment environment data and calculating an equipment credit score; utilizing dynamic causal reasoning fusion to calculate an initial risk score; when the pre-warning threshold value is exceeded, generating a transaction verification problem and evaluating the risk by adopting a progressive active learning verification method; and finally determining a risk control strategy according to the risk score. According to the method, the large transaction risk identification accuracy is improved, and the error interception rate is reduced.

The invention belongs to the technical field of data security, and particularly relates to a financial security control method and device based on the Internet of Things, and the method comprises the steps: obtaining financial object multi-source information carriers which are to be subjected to security access control and have executed security access control; preprocessing the financial object multi-source information carrier to be subjected to security access control to obtain a request set to be subjected to security access control; acquiring an executed security access control request set corresponding to a security access control strategy in the financial object multi-source information carrier which has executed security access control, and calculating the matching degree between the executed security access control request set and the to-be-security access control request set; and initiating access to the financial object multi-source information carrier to be subjected to security access control based on the matching degree. According to the invention, accurate security access control can be effectively carried out on the financial object carrying multi-source information carriers with various formats, and a feedback result relatively meeting the security access control requirement is given for the security access control request.

The invention discloses a self-supervised graph anomaly detection method based on global space correlation perception, and relates to the fields of financial security, network security and the like. The method comprises the following steps: sampling global and local sub-graphs based on graph diffusion and random walk; local and global information of coding is learned through double-view comparison; utilizing node attribute consistency characteristics based on attribute reconstruction learning; and training the contrast learning module and the reconstruction learning module in a combined manner and fusing scores to realize anomaly detection. According to the method, local and global structure information and node attribute features are integrated, so that the influence of graph neural network signal smoothing on anomaly detection is effectively relieved, the detection accuracy of abnormal nodes in an attribute network is improved, and the method is suitable for anomaly detection of scenes such as social networks and transaction networks.

Systems, methods, and computer program products for alerting a user of an anomaly concerning a publicly traded financial product, such as a publicly traded financial security with potentially upcoming volatility, include obtaining online chatter from one or more social media platforms associated with the publicly traded financial product posted over a first time interval, determining, at the end of the first time interval, an anomaly concerning the publicly traded financial product based at least in part on the online chatter associated with the publicly traded financial product, and responsive to determining the anomaly, providing an alert to the user. Determining the anomaly is based at least in part on historical data regarding online chatter associated with the publicly traded financial product from a prior time interval before the first time interval.

The invention provides a transaction platform security early warning method, system and device and a medium, belongs to the technical field of financial security, and is used for realizing safer security transaction full early warning. The method comprises: a security anchor receives an operation request message from a terminal, the operation request message instructing a client to request to execute a first operation, the first operation being a transaction operation or a security modification operation for a transaction, and the client being a client on the terminal corresponding to a transaction security platform; the security anchor triggers bidirectional authentication between the security anchor and the client in response to the client requesting to execute the first operation; information used in the bidirectional authentication is determined based on a long-term key of the terminal, and the long-term key is authorized to the transaction security platform by an operator to which the terminal belongs; and under the condition that the two-way authentication fails, the security anchor point determines that the security risk exists and refuses to execute the first operation.

The present invention discloses a data financial security risk analysis system, method and storage medium, which relate to the technical field of financial data analysis, and include a permission configuration module for configuring corresponding operation permissions for operators; the operators generate operation behaviors within the scope of the operation permissions, and the operation data corresponding to the operation behaviors; the operation data generated by the operators are subjected to correlation analysis to determine the correlation between the operation data, and the operation data are associated and bound based on the correlation between the operation data to obtain an operation data group; the operation data group is analyzed to determine the core operation data of the operators within the scope of the permissions, and the core operation data is encrypted; the present invention confirms and encrypts the core operation data in the financial data, thereby reducing the encryption objects, reducing the amount of encrypted data processing, and improving the reliability and timeliness of data encryption and transmission while ensuring the security of the financial data.

The invention provides a transaction data detection and model training method, device and equipment applied to a bank, and relates to the technical field of financial security. The method comprises the steps of determining collected historical transaction data of a target bank and a first transaction state of the historical transaction data as training data, and performing model training according to the training data to obtain an initial transaction detection model; and then, obtaining a first adversarial sample and a second adversarial sample generated by the target generative adversarial network, and adding the first adversarial sample and the second transaction state thereof, and the second adversarial sample and the third transaction state thereof to training data. And performing updating training on the initial transaction detection model based on the updated training data to obtain a trained transaction detection model. And further, inputting to-be-detected transaction data of the target bank into the transaction detection model, and determining a transaction detection result output by the transaction detection model. The transaction detection model can improve the accuracy of bank transaction data detection.

The present disclosure provides a payment method that can be used in the fields of financial technology and other fields, including: sending the registration information of a non-financial user to a financial client, so that the financial client generates authentication information for the registration information, and the authentication information is stored in a bank server; sending a payment request to a bank server, so that the bank server performs payment processing according to the payment request and the authentication information. The present disclosure reduces the financial security risks in the enterprise payment process from a system level by splitting and re-authorizing the existing online account movement permissions of enterprises. The present disclosure also provides a payment device and system, an electronic device, and a computer-readable storage medium.

The application belongs to the technical field of financial security, and discloses a cross-institutional fraud detection method based on federated graph learning and oriented to privacy protection, which comprises the following steps: each participant constructs a transaction graph according to the transaction text description of the included account, and performs enhancement processing on the transaction graph to obtain an enhanced subgraph; each participant iteratively trains a graph Transformer using the enhanced subgraph until a local training end condition is reached, and uploads local model parameters of the graph Transformer to a central server based on a differential privacy mechanism; the central server aggregates the local model parameters of all participants to obtain global model parameters, and distributes the global model parameters to each participant; the global model parameters serve as initial model parameters for local training of each participant, and the federated training is repeated until a federated training end condition is reached. The application is more robust to cross-institutional, heterogeneous and sparse sample scenarios, and can reduce false negatives and false positives.

The invention discloses a financial certificate and financial key downloading method and system, and the method comprises the steps: carrying out session key negotiation between a key distribution host end and a key receiving equipment end through employing an ECDH key negotiation algorithm, obtaining a first session key, and building a financial security channel; the secret key receiving equipment side sends a financial certificate downloading request to the secret key distribution host side based on the first session key, the secret key distribution host side generates a financial certificate based on the financial certificate downloading request and sends the financial certificate to the secret key receiving equipment side, and the secret key distribution host side and the secret key receiving equipment side carry out session key negotiation again based on the financial certificate; the secret key receiving device end sends a financial secret key downloading request to the secret key distribution host end based on the second session key and the financial certificate, the secret key distribution host end generates a financial secret key based on the financial secret key downloading request and sends the financial secret key to the secret key receiving device end, and the secret key receiving device end receives the financial secret key. Therefore, the security of downloading the financial certificate and the financial key is improved.

1. Name of the Design Product: Graphical User Interface of the Home Page of Personal Online Banking for Computers. 2. Use of the Design Product: For human-computer interaction and display. 3. Design Key Points of the Design Product: Lies in the interface content of the graphical user interface that displays information. 4. Picture or Photograph that Best Illustrates the Design Key Points: Front View. 5. The terminal is of an existing design, so the rear view, top view, bottom view, left view, and right view are omitted. 6. Use of the Graphical User Interface: Home Page of Personal Online Banking of Bank of Hangzhou. 7. Human-Computer Interaction Method of the Graphical User Interface: The front view shows the state after logging in to the home page of Personal Online Banking of Bank of Hangzhou. At the top are the company logo, global search, switch to accessible version, and user level entry. The first-level menus of personal online banking are arranged, and there are buttons to support the expansion and collapse of quick access. The quick menu entry and its custom functions are displayed; Bank announcements are shown, and support for viewing more is provided; In this view, the My Assets module (total assets, current money, and investment) and the My Bank Cards module (last four digits of the card, balance, support for displaying hidden amounts, more entries, and adding cards) are shown; On the right is a floating pop-up window that can be collapsed (customer service assistant, feedback, driver installation, QR code display, and pinning function). Changing state diagram 1 is the changing diagram of the main view. After clicking on "My Assets" to view liabilities, the display will switch to the liability content (display liability entry, credit cards and loans, and switch back to "My Assets"); after hovering the avatar in the upper right corner, the membership level entry, last login time and logout will appear; the common consulting function is fixedly suspended on the right; Changing state diagram 2 is a slide down from changing state diagram 1, showing a recommended list of financial products (including product attributes such as financial product name, annualized rate of return, number of holding days, risk level and transaction entry), where the first row in the module shows the effect of hovering the mouse over the list; the common consulting function is fixedly suspended on the right; Changing state diagram 3 is a slide down from changing state diagram 2, showing a recommended list of fund products (including attributes such as annualized rate of return and ranking of fund products and transaction entry), and providing a list paging function, where the first column in the module shows the effect of hovering the mouse over the list ; Common consulting functions are fixedly suspended on the right; Change state diagram 4 is a slide down from change state diagram 3, showing a list of deposit products (including deposit product name, yield rate, term and other attributes and transaction entry), and providing list paging function; Common consulting functions are fixedly suspended on the right; Change state diagram 5 is a slide down from change state diagram 4, showing a list of insurance products (including insurance product name and minimum investment amount and other product attributes and transaction entry), and providing list paging function; The last module of the homepage shows the entrance to the financial security knowledge classroom, and provides modules with different security functions; Common consulting functions are fixedly suspended on the right; Change state diagram 6 is a slide down from change state diagram 5, showing the last module of the homepage - the entrance to the financial security knowledge classroom and the entrance to different security functions; The bottom of the page contains contact us, about us, complaints and suggestions, help center, aging-friendly logo, deposit logo and safety education column logo, etc. The reference figures corresponding to the main view and the changing state figures 1 to 6 are the use state reference figures 1 to 7 respectively.

The present disclosure provides a payment code encryption verification method, which can be applied to the technical fields of financial security and related technologies. The payment code encryption verification method includes: the first terminal receives a first character feature instruction from the payment center; the first terminal converts the first character feature instruction into an optical wave feature signal based on a preset feature look-up table; the second terminal inversely converts the optical wave feature signal from the first terminal into a second character feature instruction based on the preset feature look-up table; the payment center authenticates the first character feature instruction and the received second character feature instruction based on a preset verification rule; and in the case where the authentication is passed, the second terminal executes a preset payment process based on the original payment code from the first terminal. The present disclosure also provides a payment code encryption verification device, system, equipment, storage medium and program product.

The present application relates to the technical field of financial security, and particularly relates to a financial order security payment method and device, computer equipment and storage medium, login environment information, location information and binding vehicle information of a user are acquired, if it is detected that the login environment information meets a preset payment environment, a historical payment location is acquired, a first payment location range is determined, a second payment location range is determined according to the first payment location range and the historical payment location, if it is detected that the location information is within the second payment location range, the security payment of an order is completed. By acquiring the login environment information, the location information and the binding vehicle information, if the login environment information meets the preset payment environment, the location information is detected, if the location information meets the second payment location range, the binding vehicle information is detected, if the binding vehicle information meets the binding operation on the preset operation page, the order payment is completed. Thus, the payment risk is comprehensively and automatically detected, so that the payment of the financial order is safely completed.

The utility model relates to the technical field of money binding machines, and discloses a punching device of a money binding machine, which comprises a rack, a rotating shaft and a transmission rod which are rotatably and transversely arranged on the rack, a melting belt punching head arranged in front of the rotating shaft and the transmission rod, and a driving mechanism used for driving the transmission rod to rotate, the rotating shaft and the transmission rod are connected with the melting belt punching head through a connecting rod structure, so that the melting belt punching head can move up and down, the melting belt punching head comprises a seat body, a melting hole head and a heating pipe, a mounting hole penetrating from top to bottom is formed in the seat body, and the melting hole head is inserted into the mounting hole of the seat body from top to bottom and is locked through a locking structure. The top of the hole melting head is integrally provided with a heat conduction sleeve for insertion of the heating pipe. According to the punching device of the money binding machine, the design of the replaceable hole melting head is adopted, the mounting hole is formed in the base body, the hole melting head can be conveniently inserted and pulled out and fixed through the locking structure, and the anti-counterfeiting requirements of upgrading along with financial security requirements and diversification of different customer groups can be easily met.

The embodiment of the invention provides an enterprise group relationship determination method and device, equipment, a medium and a product. The method comprises the following steps: pre-calculating enterprises in a daily pre-calculation list, generating a stock equity tree of the enterprises, storing the stock equity tree in a data table, and obtaining relation data corresponding to the stock equity tree when determining that the stock equity tree of a target enterprise exists in the data table based on a query request of the target enterprise, calculating a maximum stockholder corresponding to the target enterprise and each corresponding leaf node enterprise, determining whether the stock equity tree of each leaf node enterprise is missing in the data table, and if yes, performing layer-by-layer stock equity penetration on the missing leaf node enterprise to obtain the stock equity tree of the corresponding leaf node enterprise, and determining and outputting the group relationship of the target enterprise according to the stock equity tree of each leaf node enterprise. The method is used for achieving the effects of improving the comprehensiveness and reliability of the enterprise group relationship, improving the accuracy and effectiveness of enterprise credit granting and enhancing the financial security of banks.

The utility model discloses a document collection box for economic and financial securities, which comprises a storage box, one end of the storage box is rotatably connected with a connecting plate, the other end of the connecting plate is connected with a fixing plate, and the fixing plate rotates through the connecting plate to open and close the document collection box; a plurality of bandages are fixedly arranged in a bottom plate of the storage box, a plurality of rotating shafts are arranged at the outer end of a fixing plate, and blocking rods are fixedly arranged on the outer walls of the rotating shafts and rotate through the rotating shafts to achieve the function of fixing or releasing the fixing function of the fixing plate and the storage box. According to the file storage box, the bandages for fixing stored files and the stop levers for fixing the fixing plates are additionally arranged, so that the effect that the files are fixed in the storage box and are not prone to falling out when the files are stored is achieved, and the problem that the files fall out of the storage box due to external force collision when the files are stored is solved; and the high efficiency of the document collection box for economic and financial securities is improved.

The invention discloses a financial security transaction system with big data encryption, and relates to the technical field of financial transaction security, and the financial security transaction system with big data encryption adopts a hybrid encryption algorithm, combines AES-256 symmetric encryption and RSA asymmetric encryption, improves the efficiency through symmetric encryption during data transmission, and improves the security of financial transactions. The security of the key is ensured by means of asymmetric encryption, and the key is managed by means of the block chain, so that the integrity and traceability of the key are ensured. Through big data analysis and machine learning technologies, transaction behaviors are monitored in real time, a behavior model is constructed to early warn risks, and an external risk database optimization model can also be connected. Encrypted data are stored by using a distributed storage technology, and are backed up regularly and remotely, so that data reliability is guaranteed. User identity authentication and authority management are enhanced by using multi-factor identity authentication and role-based access control. The system greatly improves the safety of financial transaction data, effectively prevents and controls risks, and guarantees the safe and efficient operation of financial transactions.

The invention discloses an abnormal terminal device identification method and apparatus, and an electronic device. Relates to the field of financial security. The method comprises the following steps: acquiring multi-modal feature data of target equipment; the multi-modal feature data are input into M target clustering models respectively, M clustering results are obtained through processing, and each clustering result comprises a numerical value under a risk factor; and determining a risk score of the target device by using the M clustering results, determining a risk level represented by the risk score according to the risk threshold interval, and determining an abnormal state of the target device according to the risk level. According to the method and the device, the problem of relatively low identification accuracy of identifying the risk equipment by using the static identification information in related technologies is solved.