CN114897625A - Risk control method and device in bank online business handling - Google Patents
Risk control method and device in bank online business handling Download PDFInfo
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Abstract
The invention discloses a risk control method and a device in bank online business handling, which relate to the field of finance, and the method comprises the following steps: receiving a bank online business handling request of a user; the service includes a plurality of transaction steps; in each transaction step of on-line transaction of the bank, the following operations are executed until all transaction steps are completed: determining a risk type to be controlled of the current transaction step according to a relationship between a risk type and a transaction step which is pre-established in a block chain, a plurality of executed steps and a plurality of risk types which are not risk-controlled; determining a risk control mode corresponding to the current transaction step according to the risk type to be controlled of the current transaction step and a relationship between the risk type and the risk control mode which is established in advance; and performing risk control on the current transaction step according to a risk control mode corresponding to the current transaction step. The invention can efficiently control the risk of each link in the business handling and improve the safety of the business handling.
Description
Technical Field
The invention relates to the technical field of finance, in particular to a risk control method and device in bank online business handling.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
A banking scenario consists of a series of transactions. For example, the foreign currency exchange service has the following steps: and (4) verifying the identity of the client, creating a temporary account, performing foreign currency exchange, verifying the business and giving foreign currency to the client. In each transaction, the risk needs to be strictly controlled. If no problems are found in customer authentication and business verification, or other transactions are illegally handled by a teller, the bank and the customer are at risk.
Disclosure of Invention
The embodiment of the invention provides a risk control method in bank online business handling, which is used for efficiently controlling the risk of each link in the business handling and comprises the following steps:
receiving a bank online business handling request of a user; the service comprises a plurality of transaction steps;
in each transaction step of on-line transaction of the bank, the following operations are executed until all transaction steps are completed:
determining a risk type to be controlled of the current transaction step according to a corresponding relation between a risk type and a transaction step which is pre-established in a block chain, a plurality of executed steps and a plurality of risk types which are not risk-controlled;
determining a risk control mode corresponding to the current transaction step according to the risk type to be controlled of the current transaction step and a pre-established corresponding relationship between the risk type and the risk control mode;
and performing risk control on the current transaction step according to a risk control mode corresponding to the current transaction step.
The embodiment of the invention also provides a risk control device in the online business handling of the bank, which is used for efficiently controlling the risk of each link in the business handling, and comprises the following components:
the receiving unit is used for receiving the bank online business transaction request of the user; the service comprises a plurality of transaction steps;
the processing unit is used for executing the following operations in each transaction step of the online business transaction of the bank until all transaction steps are completed:
determining a risk type to be controlled of the current transaction step according to a corresponding relation between a risk type and a transaction step which is pre-established in a block chain, a plurality of executed steps and a plurality of risk types which are not risk-controlled;
determining a risk control mode corresponding to the current transaction step according to the risk type to be controlled of the current transaction step and a pre-established corresponding relationship between the risk type and the risk control mode;
and performing risk control on the current transaction step according to a risk control mode corresponding to the current transaction step.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor executes the computer program to realize the risk control method in the online business handling of the bank.
The embodiment of the invention also provides a computer readable storage medium, wherein a computer program is stored in the computer readable storage medium, and when the computer program is executed by a processor, the risk control method in the online business handling of the bank is realized.
An embodiment of the present invention further provides a computer program product, where the computer program product includes a computer program, and when executed by a processor, the computer program implements the risk control method in the handling of the online business of the bank.
In the embodiment of the invention, the risk control scheme in the online business handling of the bank is realized by the following steps: receiving a bank online business handling request of a user; the service comprises a plurality of transaction steps; in each transaction step of the online transaction of the bank, the following operations are executed: determining a risk type to be controlled of the current transaction step according to a corresponding relation between a risk type and a transaction step which is pre-established in a block chain, a plurality of executed steps and a plurality of risk types which are not risk-controlled; determining a risk control mode corresponding to the current transaction step according to the risk type to be controlled of the current transaction step and a pre-established corresponding relationship between the risk type and the risk control mode; according to the risk control mode corresponding to the current transaction step, the risk control is carried out on the current transaction step, the risk of each link in the business handling can be efficiently controlled, and the safety of the business handling is improved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
FIG. 1 is a flow chart illustrating a risk control method in online business handling of a bank according to an embodiment of the present invention;
FIG. 2 is a schematic flow chart illustrating pre-storing the corresponding relationship between the risk types and the transaction steps in the blockchain according to the embodiment of the present invention;
FIG. 3 is a schematic flow chart illustrating a process of determining a risk control manner corresponding to a current transaction step according to an embodiment of the present disclosure;
FIG. 4 is a schematic diagram illustrating an embodiment of determining a risk control manner corresponding to a current transaction step according to a selected probability;
fig. 5 is a schematic structural diagram of a risk control device in the handling of online banking services according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
Fig. 1 is a schematic flow chart of a risk control method in the handling of online banking services in the embodiment of the present invention, as shown in fig. 1, the method includes the following steps:
step 101: receiving a bank online business handling request of a user; the service comprises a plurality of transaction steps;
step 102: in each transaction step of the online transaction of the bank, the following operations are executed:
step 1021: determining a risk type to be controlled of the current transaction step according to a corresponding relation between a risk type and a transaction step which is pre-established in a block chain, a plurality of executed steps and a plurality of risk types which are not risk-controlled;
step 1022: determining a risk control mode corresponding to the current transaction step according to the risk type to be controlled of the current transaction step and a pre-established corresponding relationship between the risk type and the risk control mode;
step 1023: and performing risk control on the current transaction step according to a risk control mode corresponding to the current transaction step.
The risk control method in the bank online business handling provided by the embodiment of the invention is operated as follows: receiving a bank online business handling request of a user; the service comprises a plurality of transaction steps; in each transaction step of the online transaction of the bank, the following operations are executed: determining a risk type to be controlled of the current transaction step according to a corresponding relation between a risk type and a transaction step which is pre-established in a block chain, a plurality of executed steps and a plurality of risk types which are not risk-controlled; determining a risk control mode corresponding to the current transaction step according to the risk type to be controlled of the current transaction step and a pre-established corresponding relationship between the risk type and the risk control mode; according to the risk control mode corresponding to the current transaction step, the risk control is carried out on the current transaction step, the risk of each link in the business handling can be efficiently controlled, and the safety of the business handling is improved. The following describes the risk control method in handling the online business of the bank in detail.
In an embodiment, as shown in fig. 2, the risk control method in the online business process of the bank may further include pre-storing a corresponding relationship between the risk type and the transaction step in the blockchain according to the following method:
step 201: determining the dependency relationship between different transaction steps of each banking business;
step 202: determining the risk types related to each transaction step and the probability of each risk type related to the transaction step according to the execution data of each transaction step;
step 203: according to the dependency relationship among different transaction steps and the probability of each risk type related to each transaction step, constructing a transaction step dependency graph corresponding to the banking business, wherein nodes of the graph comprise an initial point, a terminal point and transaction steps;
step 204: determining the corresponding relation between the risk type and the transaction step according to the transaction step dependency graph;
step 205: and storing the corresponding relation between the risk type and the transaction step in the blockchain in advance.
In one embodiment, the step 202 of determining the risk types involved in each transaction step and the probability of each risk type involved in the transaction step according to the execution data of the transaction step includes:
determining the risk category contained in the execution data of the transaction step as the risk type related to the transaction step;
dividing the execution data of the transaction step into a plurality of execution data subsets, so that each execution data subset contains data with the quantity larger than a set value;
for each risk category involved in the trading step, determining a fraction of the execution data in the respective subset of execution data involved in the risk category, determining a variance of the probability for the risk type based on the determined fractions;
determining a sample threshold corresponding to the probability of the risk type according to the variance of the probability of the risk type;
determining the maximum value of the sample threshold values corresponding to the probabilities of all the risk types as a sample threshold value;
the following steps are executed in a loop until the number of the obtained execution data subsets is greater than the sample threshold:
acquiring new execution data of the transaction step; dividing the new execution data into a plurality of new execution data subsets such that each new execution data subset contains a data amount greater than a set value; for each risk category, determining a fraction of the execution data in the respective new subset of execution data relating to that risk category;
when the number of the obtained execution data subsets is larger than the sample threshold, for each risk category, the probability that the transaction step corresponds to the risk type is determined as the average of all the occupation ratios corresponding to the risk category.
In one embodiment, determining the sample threshold corresponding to the probability of the risk type according to the variance of the probability of the risk type may include:
setting an acceptable probability error threshold, and a probability that the acceptable probability error is greater than the probability error threshold;
and determining a sample threshold corresponding to the probability of the risk type according to the variance of the probability of the risk type, the probability error threshold and the probability that the acceptable probability error is greater than the probability error threshold. Such as determining the sample threshold as:
where σ is the variance of the probability for the risk type, ε is the acceptable risk probability error, and P is the probability that the acceptable risk probability error is greater than ε.
In specific implementation, the implementation method of pre-storing the corresponding relationship between the risk types and the transaction steps in the blockchain can accurately determine the risk types to be controlled in each transaction step, and provide a data basis for subsequent risk control.
In one embodiment, constructing a transaction step dependency graph corresponding to the banking business according to the dependency relationship between different transaction steps and the probability of each risk type involved in each transaction step may include:
determining a plurality of first nodes and a plurality of second nodes according to the dependency relationship, wherein the first nodes do not have other nodes in the dependency relationship, so that the first nodes depend on the other nodes, and the second nodes do not have other nodes in the dependency relationship and depend on the non-depended nodes;
constructing a dependency graph of the transaction step, wherein edges exist between the initial point and each first node, the direction of the edges is from the initial point to the first node, and the probability of the edges corresponding to each risk type is 0; edges exist between the end point and each second node, the direction of the edges is from the second node to the end point, and the probability of the edges corresponding to each risk type is 0; there is an edge between two trading steps and only if there is a dependency between two trading steps, and the direction of the edge is from the depended step to the dependent step, and the probability that the edge corresponds to each risk type is the probability that the depended step corresponds to that respective risk type.
In one embodiment, if there is an edge between two transaction steps and only if there is a dependency relationship between the two transaction steps, and the direction of the edge is from the depended step to the dependent step, and the probability that the edge corresponds to each risk type is the probability that the depended step corresponds to the each risk type, further comprising:
and for each risk type, when the probability corresponding to the risk type in the dependent step is smaller than a probability threshold, determining the probability corresponding to the risk type by the edge as 0, otherwise, determining the probability corresponding to the risk type by the edge as the probability corresponding to the risk type in the dependent step.
In specific implementation, the implementation method for constructing the transaction step dependency graph corresponding to the banking business can accurately determine the dependency relationship among the steps, and provides a graph structure basis for subsequently determining the risk types to be controlled in each step.
In one embodiment, determining the corresponding relationship between the risk type and the transaction step according to the transaction step dependency graph may include:
for the transaction step dependency graph, the safety distance that determines each edge to correspond to the risk type is: -lg (1-r), wherein r is the probability that the edge corresponds to the risk type;
for each risk type, determining the shortest distance between each transaction step and an end point in a transaction step dependency graph corresponding to the risk type according to the safety distance corresponding to the risk type;
and determining the transaction step with the shortest distance corresponding to the risk type with the terminal point being greater than 0 as the transaction step corresponding to the risk type, and obtaining the corresponding relation between the risk type and the transaction step.
In specific implementation, the specific implementation of determining the corresponding relationship between the risk types and the transaction steps according to the transaction step dependency graph can find the steps associated with each risk type, thereby providing a basis for subsequent risk control.
In an embodiment, determining the to-be-controlled risk type of the current transaction step according to the pre-established corresponding relationship between the risk type and the transaction step in the blockchain, the executed multiple steps, and the multiple risk types without risk control may include:
and for each risk type without risk control, determining whether the transaction steps corresponding to the risk type are all included in the executed steps, and if so, determining the risk type as the risk type to be controlled of the current transaction step.
In specific implementation, the implementation mode for determining the to-be-controlled risk type of the current transaction step can ensure timely risk control, and ensures the safety of the customer transaction.
In an embodiment, as shown in fig. 3, determining the risk control manner corresponding to the current transaction step according to the to-be-controlled risk type of the current transaction step and the pre-established correspondence between the risk type and the risk control manner may include:
step 10221: according to the pre-established risk type and risk control method mode, selecting a plurality of risk control modes of which the corresponding risk types comprise the risk types to be controlled of the current transaction step from all the risk control modes contained in the corresponding relation of the risk types and the risk control modes;
step 10222: determining the selected probability corresponding to each selected risk control mode;
step 10223: and determining a risk control mode corresponding to the current transaction step according to the selected probability.
In one embodiment, determining the selection probability corresponding to each selected risk control manner may include:
acquiring the selected control data of each risk control mode;
for each risk type to be controlled in the current transaction step, determining a risk index of each selected risk control mode corresponding to the risk type to be controlled according to the selected control data of each risk control mode;
for each selected risk control mode, determining the risk distance of the risk control mode; the risk distance of the risk control mode is determined, for example, according to the following formula:
wherein d is i Is the risk distance, r, of the ith risk control mode ij The risk index of the ith risk control mode corresponding to the jth risk type to be controlled, and l is the number of the risk types to be controlled in the current transaction step;
determining the selected probability corresponding to the ith risk control mode as
Where m is the number of selected risk control modes.
In an embodiment, for each to-be-controlled risk type of the current transaction step, determining the risk indicator corresponding to the to-be-controlled risk type in each selected risk control manner according to the selected control data of each risk control manner, may include:
for each selected risk control mode, dividing the control data of the risk control mode into a plurality of control data subsets;
for each risk type to be controlled, determining the proportion of the control data related to the risk type to be controlled in each control data subset as a sample of the risk control mode corresponding to the risk type to be controlled;
and determining the risk index of the risk control mode corresponding to the risk type to be controlled as the mean value of all samples of the risk control mode corresponding to the risk type to be controlled.
In specific implementation, the implementation mode of determining the risk control mode corresponding to the current transaction step can avoid the occurrence of risks to a certain extent by introducing randomness, so that the safety of business handling is improved.
In one embodiment, as shown in fig. 4, the step 10223 of determining the risk control manner corresponding to the current transaction step according to the selected probability may include:
step 301: sequencing the selected multiple risk control modes;
step 302: for each selected risk control mode, determining the sum of the risk control mode and the selected probability of all risk control modes before the risk control mode in the sequence as the probability upper bound corresponding to the risk control mode;
step 303: selecting a probability density function, and determining an interval endpoint value corresponding to the risk control mode, so that the integral from the minimum value of the probability density function corresponding to the independent variable to the interval endpoint value corresponding to the risk control mode is equal to the probability upper bound corresponding to the risk control mode;
step 304: generating a random number according to the selected probability density function;
step 305: determining a risk control mode corresponding to the random number, wherein the probability upper bound corresponding to the risk control mode corresponding to the random number is smaller than or equal to and larger than the probability upper bound corresponding to the risk control mode which is previous to the corresponding risk control mode in the sequence;
step 306: and determining the risk control mode corresponding to the random number as the risk control mode corresponding to the current transaction step.
To facilitate understanding of how the present invention may be carried into effect, an example will now be described.
The application scenario of the risk control method in the bank online business handling provided by the embodiment of the invention can be as follows: a banking scenario consists of a series of transactions. For example, the foreign currency exchange service has the following steps: and (4) verifying the identity of the client, creating a temporary account, performing foreign currency exchange, verifying the business and giving foreign currency to the client. Sn may be abstracted as s1, s 2.
The risks in embodiments of the invention may be: various risks that may be encountered in the banking business, such as fraud risks, staff operational risks, customer churn risks, transaction failure risks, and the like.
In the risk control method in handling the bank online business provided by the embodiment of the invention, the risk types related to the bank business and the transaction steps related to each risk type are determined, and the corresponding relation between the risk types and the transaction steps is established; confirming the risk type to be controlled of each transaction step according to the corresponding relation and the dependency relation of different transaction steps, so that the risk type to be controlled does not exist in the subsequent steps of the step; in each step, determining risk prediction data of the banking business about the transaction risk to be controlled in the step; and determining the risk control means of the banking business aiming at the risk type according to the relationship between the risk type (including the risk prediction data) and the risk control means.
In each step, the specific process of obtaining the risk prediction data of the banking business about the transaction risk to be controlled in the step is as follows:
in each step of transaction of a client handling business, determining whether the background system carries out risk control on the risk type corresponding to the transaction step, and storing the confirmation result into a block chain;
meanwhile, in each step of transaction of the business handling of the client, the corresponding transaction risk to be controlled is determined, and whether all the steps corresponding to the transaction risk to be controlled carry out risk analysis on the transaction risk to be controlled is determined according to the confirmation data stored in the block chain: if yes, a risk early warning model is not used, and if not, the risk early warning model is used for risk prediction;
risk prediction data of the risk early warning model and risk analysis data of the background system aiming at the risk type are subjected to risk data summarization to obtain the risk analysis data of the banking business aiming at the risk type;
the risk control method in the handling of the bank online business provided by the embodiment of the invention comprises the following steps:
1. for a banking business, the dependency relationship between multiple steps is determined, that is, the execution of one step must depend on the completion of other steps. The simplest dependency is a linear structure (one step depends on only one other step), and the complex point dependency is a graph structure.
2. For a certain banking business, historical risk data related to the banking business is obtained, risk types related to the banking business are determined according to the historical risk data, and transaction steps related to each risk type are determined.
3. And establishing a corresponding relation between the risk types and the transaction steps, and acquiring the transaction steps according to the risk types or determining the risk types according to the transaction steps. And the corresponding relation is stored in the block chain.
4. And confirming the transaction risk to be controlled of each transaction step according to the corresponding relation and the dependency relation of different transaction steps, so that the transaction risk to be controlled does not exist in the subsequent steps of the step. And each transaction risk is only the transaction risk to be controlled of a certain transaction step.
4.1 if the dependency relationship of different transaction steps is linear, for a certain risk type r1, selecting the last step s1 corresponding to the risk type r1, wherein the transaction risk to be controlled in the step s1 includes the risk type r 1;
4.2 if the dependency relationship is a graph dependency relationship, for a certain risk type r2, the last step in each linear relationship containing the risk type is selected, and then the first step s2 in the common subsequent steps of all the last steps is selected, so that the transaction risk to be controlled of the step s2 contains the risk type r 2.
5. And establishing a risk early warning model for each risk type of the banking business based on the acquired risk data, and storing the risk early warning model in a block chain.
6. In each step of transaction of a client handling business, whether the transaction feedback data returned by the background system corresponding to the transaction contains risk prediction data corresponding to the risk type of the transaction step is inquired, and if yes, the risk prediction data is stored in a block chain.
7. In the above steps, the transaction risks to be controlled corresponding to the step are inquired according to the relation stored in the blockchain, then the transaction step corresponding to each transaction risk to be controlled is determined, then whether the blockchain has risk prediction data of a bank background system corresponding to the transaction step for the risk type is determined, and then if some transaction step has no risk prediction data, the risk prediction is performed based on the previously trained risk early warning model and the business data corresponding to the banking business (that is, if some background system in the background system of the transaction step does not perform risk analysis on the risk type, the risk early warning model performs risk analysis on the risk type).
8. And according to the risk prediction data and the risk prediction data for the risk type, which is fed back by the bank background and stored in the block chain, carrying out risk prediction summary to obtain the risk prediction data for the risk type of the banking business.
9. And determining the risk control means of the banking business aiming at the risk type according to the relationship between the risk type (including the risk prediction data) and the risk control means.
In conclusion, the embodiment of the invention can efficiently control the risk of each link in business handling and realize the digital risk control of banks.
According to the technical scheme, the data acquisition, storage, use, processing and the like meet relevant regulations of national laws and regulations.
The embodiment of the invention also provides a risk control device in the online business handling of the bank, which is described in the following embodiment. Because the principle of solving the problems of the device is similar to the risk control method in the online business handling of the bank, the implementation of the device can refer to the implementation of the risk control method in the online business handling of the bank, and repeated parts are not described again.
Fig. 5 is a schematic structural diagram of a risk control device in the handling of online banking services according to an embodiment of the present invention, as shown in fig. 5, the device includes:
the receiving unit 01 is used for receiving a bank online business transaction request of a user; the service comprises a plurality of transaction steps;
the processing unit 02 is configured to, in each transaction step of the online banking transaction, perform the following operations until all transaction steps are completed:
determining a risk type to be controlled of the current transaction step according to a corresponding relation between a risk type and a transaction step which is pre-established in a block chain, a plurality of executed steps and a plurality of risk types which are not risk-controlled;
determining a risk control mode corresponding to the current transaction step according to the risk type to be controlled of the current transaction step and a pre-established corresponding relationship between the risk type and the risk control mode;
and performing risk control on the current transaction step according to a risk control mode corresponding to the current transaction step.
In an embodiment, the risk control apparatus in the banking online business process may further include an uplink unit, configured to store the corresponding relationship between the risk type and the transaction step in the blockchain in advance according to the following method:
determining the dependency relationship between different transaction steps of each banking business;
determining the risk types related to each transaction step and the probability of each risk type related to the transaction step according to the execution data of each transaction step;
according to the dependency relationship among different transaction steps and the probability of each risk type related to each transaction step, constructing a transaction step dependency graph corresponding to the banking business, wherein nodes of the graph comprise an initial point, a terminal point and transaction steps;
determining the corresponding relation between the risk type and the transaction step according to the transaction step dependency graph;
and storing the corresponding relation between the risk type and the transaction step in the blockchain in advance.
In one embodiment, constructing a transaction step dependency graph corresponding to the banking business according to the dependency relationship between different transaction steps and the probability of each risk type involved in each transaction step may include:
determining a plurality of first nodes and a plurality of second nodes according to the dependency relationship, wherein the first nodes do not have other nodes in the dependency relationship, so that the first nodes depend on the other nodes, and the second nodes do not have other nodes in the dependency relationship and depend on the non-depended nodes;
constructing a dependency graph of the transaction step, wherein edges exist between the initial point and each first node, the direction of the edges is from the initial point to the first node, and the probability of the edges corresponding to each risk type is 0; edges exist between the end point and each second node, the direction of the edges is from the second node to the end point, and the probability of the edges corresponding to each risk type is 0; there is an edge between two trading steps and only if there is a dependency between two trading steps, and the direction of the edge is from the depended step to the dependent step, and the probability that the edge corresponds to each risk type is the probability that the depended step corresponds to that respective risk type.
In one embodiment, determining the corresponding relationship between the risk type and the transaction step according to the transaction step dependency graph may include:
for the transaction step dependency graph, the safety distance that determines each edge to correspond to the risk type is: -lg (1-r), wherein r is the probability that the edge corresponds to the risk type;
for each risk type, determining the shortest distance between each transaction step and an end point in a transaction step dependency graph corresponding to the risk type according to the safety distance corresponding to the risk type;
and determining the transaction step with the shortest distance corresponding to the risk type with the terminal point being greater than 0 as the transaction step corresponding to the risk type, and obtaining the corresponding relation between the risk type and the transaction step.
In an embodiment, determining the to-be-controlled risk type of the current transaction step according to the pre-established corresponding relationship between the risk type and the transaction step in the blockchain, the executed multiple steps, and the multiple risk types without risk control may include:
and for each risk type without risk control, determining whether the transaction steps corresponding to the risk type are all contained in the executed steps, and if so, determining the risk type as the risk type to be controlled of the current transaction step.
In an embodiment, determining the risk control manner corresponding to the current transaction step according to the to-be-controlled risk type of the current transaction step and the pre-established correspondence between the risk type and the risk control manner may include:
according to the pre-established risk type and risk control method mode, selecting a plurality of risk control modes of which the corresponding risk types comprise the risk types to be controlled of the current transaction step from all the risk control modes contained in the corresponding relation of the risk types and the risk control modes;
determining the selected probability corresponding to each selected risk control mode;
and determining a risk control mode corresponding to the current transaction step according to the selected probability.
In one embodiment, determining the risk control manner corresponding to the current transaction step according to the selected probability may include:
sequencing the selected multiple risk control modes;
for each selected risk control mode, determining the sum of the risk control mode and the selected probability of all risk control modes before the risk control mode in the sequence as the probability upper bound corresponding to the risk control mode;
selecting a probability density function, and determining an interval endpoint value corresponding to the risk control mode, so that the integral from the minimum value of the probability density function corresponding to the independent variable to the interval endpoint value corresponding to the risk control mode is equal to the probability upper bound corresponding to the risk control mode;
generating a random number according to the selected probability density function;
determining a risk control mode corresponding to the random number, wherein the probability upper bound corresponding to the risk control mode corresponding to the random number is smaller than or equal to and larger than the probability upper bound corresponding to the risk control mode which is previous to the corresponding risk control mode in the sequence;
and determining the risk control mode corresponding to the random number as the risk control mode corresponding to the current transaction step.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can be run on the processor, wherein when the processor executes the computer program, the risk control method in the online business handling of the bank is realized.
The embodiment of the invention also provides a computer readable storage medium, wherein a computer program is stored in the computer readable storage medium, and when the computer program is executed by a processor, the risk control method in the online business handling of the bank is realized.
An embodiment of the present invention further provides a computer program product, where the computer program product includes a computer program, and when executed by a processor, the computer program implements the risk control method in the handling of the online business of the bank.
In the embodiment of the invention, the risk control scheme in the online business handling of the bank is as follows: receiving a bank online business handling request of a user; the service comprises a plurality of transaction steps; in each transaction step of the online transaction of the bank, the following operations are executed: determining a risk type to be controlled of the current transaction step according to a corresponding relation between a risk type and a transaction step which is pre-established in a block chain, a plurality of executed steps and a plurality of risk types which are not risk-controlled; determining a risk control mode corresponding to the current transaction step according to the risk type to be controlled of the current transaction step and a pre-established corresponding relationship between the risk type and the risk control mode; according to the risk control mode corresponding to the current transaction step, the risk control is carried out on the current transaction step, the risk of each link in the business handling can be efficiently controlled, and the safety of the business handling is improved.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (17)
1. A risk control method in bank online business handling is characterized by comprising the following steps:
receiving a bank online business handling request of a user; the service comprises a plurality of transaction steps;
in each transaction step of on-line transaction of the bank, the following operations are executed until all transaction steps are completed:
determining a risk type to be controlled of the current transaction step according to a corresponding relation between a risk type and a transaction step which is pre-established in a block chain, a plurality of executed steps and a plurality of risk types which are not risk-controlled;
determining a risk control mode corresponding to the current transaction step according to the risk type to be controlled of the current transaction step and a pre-established corresponding relationship between the risk type and the risk control mode;
and performing risk control on the current transaction step according to a risk control mode corresponding to the current transaction step.
2. The method as claimed in claim 1, further comprising pre-storing the corresponding relationship between the risk type and the transaction step in the blockchain according to the following method:
determining the dependency relationship between different transaction steps of each banking business;
determining the risk types related to each transaction step and the probability of each risk type related to the transaction step according to the execution data of each transaction step;
according to the dependency relationship among different transaction steps and the probability of each risk type related to each transaction step, constructing a transaction step dependency graph corresponding to the banking business, wherein nodes of the graph comprise an initial point, a terminal point and transaction steps;
determining the corresponding relation between the risk type and the transaction step according to the transaction step dependency graph;
and storing the corresponding relation between the risk type and the transaction step in the blockchain in advance.
3. The risk control method in handling the banking online business as claimed in claim 2, wherein the step of constructing the dependency graph of the banking business according to the dependency relationship between different transaction steps and the probability of each risk type related to each transaction step comprises:
determining a plurality of first nodes and a plurality of second nodes according to the dependency relationship, wherein the first nodes do not have other nodes in the dependency relationship, so that the first nodes depend on the other nodes, and the second nodes do not have other nodes in the dependency relationship and depend on the non-depended nodes;
constructing a dependency graph of the transaction step, wherein edges exist between the initial point and each first node, the direction of the edges is from the initial point to the first node, and the probability of the edges corresponding to each risk type is 0; edges exist between the end point and each second node, the direction of the edges is from the second node to the end point, and the probability of the edges corresponding to each risk type is 0; there is an edge between two trading steps and only if there is a dependency between two trading steps, and the direction of the edge is from the depended step to the dependent step, and the probability that the edge corresponds to each risk type is the probability that the depended step corresponds to that respective risk type.
4. The risk control method in handling of banking transactions according to claim 2, wherein determining the correspondence between the risk type and the transaction step according to the transaction step dependency graph comprises:
for the transaction step dependency graph, the safety distance that determines each edge to correspond to the risk type is: -lg (1-r), wherein r is the probability that the edge corresponds to the risk type;
for each risk type, determining the shortest distance between each transaction step and an end point in a transaction step dependency graph corresponding to the risk type according to the safety distance corresponding to the risk type;
and determining the transaction step with the shortest distance corresponding to the risk type with the terminal point being greater than 0 as the transaction step corresponding to the risk type, and obtaining the corresponding relation between the risk type and the transaction step.
5. The risk control method in handling business on a bank line as claimed in claim 1, wherein determining the risk type to be controlled of the current transaction step according to the pre-established corresponding relationship between the risk type and the transaction step in the block chain, the executed steps, and the risk types without risk control comprises:
and for each risk type without risk control, determining whether the transaction steps corresponding to the risk type are all included in the executed steps, and if so, determining the risk type as the risk type to be controlled of the current transaction step.
6. The risk control method in handling the business on the bank line according to claim 1, wherein determining the risk control mode corresponding to the current transaction step according to the risk type to be controlled of the current transaction step and the pre-established corresponding relationship between the risk type and the risk control mode comprises:
according to the pre-established risk type and risk control method mode, selecting a plurality of risk control modes of which the corresponding risk types comprise the risk types to be controlled of the current transaction step from all the risk control modes contained in the corresponding relation of the risk types and the risk control modes;
determining the selected probability corresponding to each selected risk control mode;
and determining a risk control mode corresponding to the current transaction step according to the selected probability.
7. The risk control method in handling business on the bank line as claimed in claim 6, wherein determining the risk control mode corresponding to the current transaction step according to the selected probability comprises:
sequencing the selected multiple risk control modes;
for each selected risk control mode, determining the sum of the risk control mode and the selected probability of all risk control modes before the risk control mode in the sequence as the probability upper bound corresponding to the risk control mode;
selecting a probability density function, and determining an interval endpoint value corresponding to the risk control mode, so that the integral from the minimum value of the probability density function corresponding to the independent variable to the interval endpoint value corresponding to the risk control mode is equal to the probability upper bound corresponding to the risk control mode;
generating a random number according to the selected probability density function;
determining a risk control mode corresponding to the random number, wherein the probability upper bound corresponding to the risk control mode corresponding to the random number is smaller than or equal to and larger than the probability upper bound corresponding to the risk control mode which is previous to the corresponding risk control mode in the sequence;
and determining the risk control mode corresponding to the random number as the risk control mode corresponding to the current transaction step.
8. A risk control device in handling of online transactions in a bank, comprising:
the receiving unit is used for receiving the bank online business transaction request of the user; the service comprises a plurality of transaction steps;
the processing unit is used for executing the following operations in each transaction step of the online business transaction of the bank until all transaction steps are completed:
determining a risk type to be controlled of the current transaction step according to a corresponding relation between a risk type and a transaction step which is pre-established in a block chain, a plurality of executed steps and a plurality of risk types which are not risk-controlled;
determining a risk control mode corresponding to the current transaction step according to the risk type to be controlled of the current transaction step and a pre-established corresponding relationship between the risk type and the risk control mode;
and performing risk control on the current transaction step according to a risk control mode corresponding to the current transaction step.
9. The risk control apparatus in handling of business online by bank according to claim 8, further comprising an uplink unit for pre-storing the corresponding relationship between the risk type and the transaction step in the blockchain according to the following method:
determining the dependency relationship between different transaction steps of each banking business;
determining the risk types related to each transaction step and the probability of each risk type related to the transaction step according to the execution data of each transaction step;
according to the dependency relationship among different transaction steps and the probability of each risk type related to each transaction step, constructing a transaction step dependency graph corresponding to the banking business, wherein nodes of the graph comprise an initial point, a terminal point and transaction steps;
determining the corresponding relation between the risk type and the transaction step according to the transaction step dependency graph;
and storing the corresponding relation between the risk type and the transaction step in the blockchain in advance.
10. The risk control device in handling of banking transactions according to claim 9, wherein the step dependency graph corresponding to the banking transaction is constructed according to the dependency relationship between different transaction steps and the probability of each risk type involved in each transaction step, and comprises:
determining a plurality of first nodes and a plurality of second nodes according to the dependency relationship, wherein the first nodes do not have other nodes in the dependency relationship, so that the first nodes depend on the other nodes, and the second nodes do not have other nodes in the dependency relationship and depend on the non-depended nodes;
constructing a dependency graph of the transaction step, wherein edges exist between the initial point and each first node, the direction of the edges is from the initial point to the first node, and the probability of the edges corresponding to each risk type is 0; edges exist between the end point and each second node, the direction of the edges is from the second node to the end point, and the probability of the edges corresponding to each risk type is 0; there is an edge between two trading steps and only if there is a dependency between two trading steps, and the direction of the edge is from the depended step to the dependent step, and the probability that the edge corresponds to each risk type is the probability that the depended step corresponds to that respective risk type.
11. The risk control apparatus in handling of business on a bank line as claimed in claim 9, wherein determining the corresponding relationship between the risk type and the transaction step according to the transaction step dependency graph comprises:
for the transaction step dependency graph, the safety distance that determines each edge to correspond to the risk type is: -lg (1-r), wherein r is the probability that the edge corresponds to the risk type;
for each risk type, determining the shortest distance between each transaction step and an end point in a transaction step dependency graph corresponding to the risk type according to the safety distance corresponding to the risk type;
and determining the transaction step with the shortest distance corresponding to the risk type with the terminal point being greater than 0 as the transaction step corresponding to the risk type, and obtaining the corresponding relation between the risk type and the transaction step.
12. The risk control device in handling business on a bank line according to claim 8, wherein the determining the risk type to be controlled of the current transaction step according to the pre-established corresponding relationship between the risk type and the transaction step in the blockchain, the executed steps and the risk types without risk control comprises:
and for each risk type without risk control, determining whether the transaction steps corresponding to the risk type are all included in the executed steps, and if so, determining the risk type as the risk type to be controlled of the current transaction step.
13. The risk control device in handling of online business of bank as claimed in claim 8, wherein determining the risk control manner corresponding to the current transaction step according to the risk type to be controlled of the current transaction step and the pre-established corresponding relationship between the risk type and the risk control manner comprises:
according to the pre-established risk type and risk control method mode, selecting a plurality of risk control modes of which the corresponding risk types comprise the risk types to be controlled of the current transaction step from all the risk control modes contained in the corresponding relation of the risk types and the risk control modes;
determining the selected probability corresponding to each selected risk control mode;
and determining a risk control mode corresponding to the current transaction step according to the selected probability.
14. The risk control device in handling business on a bank line as claimed in claim 13, wherein determining the risk control mode corresponding to the current transaction step according to the selected probability comprises:
sequencing the selected multiple risk control modes;
for each selected risk control mode, determining the sum of the selected probabilities of the risk control mode and all risk control modes positioned before the risk control mode in the sequence as an upper probability bound corresponding to the risk control mode;
selecting a probability density function, and determining an interval endpoint value corresponding to the risk control mode, so that the integral from the minimum value of the probability density function corresponding to the independent variable to the interval endpoint value corresponding to the risk control mode is equal to the probability upper bound corresponding to the risk control mode;
generating a random number according to the selected probability density function;
determining a risk control mode corresponding to the random number, wherein the probability upper bound corresponding to the risk control mode corresponding to the random number is smaller than or equal to and larger than the probability upper bound corresponding to the risk control mode which is previous to the corresponding risk control mode in the sequence;
and determining the risk control mode corresponding to the random number as the risk control mode corresponding to the current transaction step.
15. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any one of claims 1 to 7 when executing the computer program.
16. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program which, when executed by a processor, implements the method of any one of claims 1 to 7.
17. A computer program product, characterized in that the computer program product comprises a computer program which, when being executed by a processor, carries out the method of any one of claims 1 to 7.
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| CN202210545023.5A CN114897625A (en) | 2022-05-19 | 2022-05-19 | Risk control method and device in bank online business handling |
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| CN202210545023.5A CN114897625A (en) | 2022-05-19 | 2022-05-19 | Risk control method and device in bank online business handling |
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| CN202210545023.5A Pending CN114897625A (en) | 2022-05-19 | 2022-05-19 | Risk control method and device in bank online business handling |
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