Processing method and system for risk monitoring and controlling of transaction data

Abstract

The embodiment of the invention discloses a processing method and a system for risk monitoring and controlling of the transaction data. The method comprises the following steps: receiving the transaction data generated in the business processing information; calling the related transaction data of the transaction data according to the transaction data; calculating the risk monitoring index data threshold value according to the transaction data and the related transaction data; judging that the business processing information generating the transaction data is quasi-risk business processing information when the transaction data is more than the risk monitoring index data threshold value; and setting the quasi-risk business processing information into the risk business processing information. The method and the system of the invention can automatically generate a risk control threshold value, identifies and controls the risk according to the different conditions, can provide a risk monitoring process flow and a rule improvement mechanism, thus saving the economic cost, improving the accuracy and the efficiency of the risk event checking, and greatly improving the monitoring efficiency and effect of the banking business risks.

Description

technical field [0001] The invention relates to the technical field of communications, in particular to a risk monitoring and processing method and system for transaction data. Background technique [0002] With the development of the times, the banking industry is developing faster and faster, and the informatization of banking transaction data is also an inevitable trend. [0003] In the process of bank operation, various business risks will also be encountered. Bank business risk refers to the possibility of the bank's assets and expected income suffering losses due to the influence of various uncertain factors in the process of operation; and After the informatization of transaction data in modern commercial banks, it is required to have greater risk monitoring capabilities than a single enterprise, so as to discover, defend, and control risks in time to maintain stable development. [0004] The existing ways and defects of bank transaction data risk monitoring are main...

AI Technical Summary

Problems solved by technology

Since the risk supervision system does not have a docking interface with the business system, the data range cannot cover the entire process of business system operation, the system processing efficiency is low, the timeliness of risk supervision is low, and errors and omissions are prone to occur, which affects the accuracy of risk supervision;

[0006] 2) Existing risk monitoring methods for transaction data do not have a model for identifying risk data, and cannot perform automated risk data filtering and screening out high-risk data for supervision, so the focus of supervision is neither prominent nor resource efficient ;

Since it is only possible to investigate the situation through manual methods and cannot provide automatic verification methods such as accessing original business certificate images, telephone verification, and sending assisted investigation notices to investigate the situation, the accuracy of judging whether business data is at risk depends entirely on the business of supervisors Quality to guarantee;

[0008] 4) The existing risk monitoring method of transaction information is a norm-oriented supervision, that is, the monitoring standard is completely fixed according to the business norms, and cannot be flexibly calculated according to the customer's daily behavior pattern, the teller's or the historical risk situation of the institution. Supervision objects with vastly different types are identified according to the “one size fits all” monitoring standard to identify risks during supervision; therefore, the risk orientation of supervision is not strong, and the risk identification ability is poor;

Therefore, risk monitoring lacks a mechanism for self-improvement and often lags behind the needs of business development and risk management

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