CN113610635B - Method and device for controlling transaction waiting time of bank terminal - Google Patents
Method and device for controlling transaction waiting time of bank terminal Download PDFInfo
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Abstract
The invention discloses a method and a device for controlling the transaction waiting time of a bank terminal, which relate to the field of big data, wherein the method comprises the following steps: according to risk information of users in the service area of each bank terminal, determining risk coefficients of environments where each bank terminal is located; determining the risk level of each bank terminal according to the risk coefficient; determining risk comparison factors of all risk levels according to risk coefficients of all bank terminals corresponding to each risk level; when the current bank terminal receives a transaction request of a user, acquiring a risk comparison factor corresponding to the current bank terminal from a blockchain; according to a historical waiting time threshold corresponding to the current transaction type, determining a current waiting time threshold according to a historical minimum waiting time when a user operates the current transaction type and a risk comparison factor corresponding to a current bank terminal; and controlling the transaction waiting time of the current bank terminal according to the current threshold value. The invention can ensure the safety of the transaction of the user at the bank terminal.
Description
Technical Field
The invention relates to the technical field of big data, in particular to a method and a device for controlling the transaction waiting time of a bank terminal.
Background
When a banking terminal such as an ATM, a smart counter, etc. provides services to customers, it is often necessary to set a waiting period threshold for transactions. If the non-operation time of the client exceeds the waiting time threshold, the transaction initiated by the client automatically exits, so that the risk can be effectively avoided, and the fund loss or information leakage of the client can be avoided. However, if the setting of the parameter is not reasonable, there is a risk in some situations, such as transferring or depositing money on the ATM by the customer, and then suddenly receiving an emergency call, thereby providing the other person with a ride. Further, ATM at a banking site is less risky than off-line ATM because there is less risk to customers due to the participation of banking staff in the vicinity of the banking site. The waiting time threshold set by the bank at present is unreasonable, so that the transaction risk faced by the customer is relatively large.
Disclosure of Invention
The embodiment of the invention provides a method for controlling the transaction waiting time of a bank terminal, which is used for determining a reasonable waiting time threshold so as to ensure the safety of the transaction carried out by a user at the bank terminal, and comprises the following steps:
according to risk information of users in the service area of each bank terminal, determining risk coefficients of environments where each bank terminal is located;
Determining a risk level corresponding to each bank terminal according to the risk coefficient of the environment where each bank terminal is located and the relationship between a preset risk coefficient and the risk level; determining risk comparison factors of all risk levels according to risk coefficients of all bank terminals corresponding to each risk level; the risk grade corresponding to each bank terminal and the risk comparison factor of each risk grade are stored in the block chain;
When the current bank terminal receives a transaction request of a user, acquiring a risk comparison factor corresponding to the current bank terminal from the blockchain; according to a historical waiting time threshold corresponding to the current transaction type, determining a current waiting time threshold of the user for carrying out the current transaction at the current bank terminal according to a historical minimum waiting time when the user operates the current transaction type and a risk comparison factor corresponding to the current bank terminal;
and when the transaction request is processed, controlling the transaction waiting time of the current bank terminal according to the current waiting time threshold.
The embodiment of the invention also provides a device for controlling the transaction waiting time of the bank terminal, which is used for determining a reasonable waiting time threshold value so as to ensure the safety of the transaction carried out by the user at the bank terminal, and comprises the following steps:
the risk coefficient determining unit is used for determining the risk coefficient of the environment where each bank terminal is located according to the risk information of the user in the service area of each bank terminal;
The risk comparison factor determining unit is used for determining the risk level corresponding to each bank terminal according to the risk coefficient of the environment where each bank terminal is located and the relation between the preset risk coefficient and the risk level; determining risk comparison factors of all risk levels according to risk coefficients of all bank terminals corresponding to each risk level; the risk grade corresponding to each bank terminal and the risk comparison factor of each risk grade are stored in the block chain;
The current waiting time length threshold determining unit is used for acquiring a risk comparison factor corresponding to the current bank terminal from the blockchain when the current bank terminal receives a transaction request of a user; according to a historical waiting time threshold corresponding to the current transaction type, determining a current waiting time threshold of the user for carrying out the current transaction at the current bank terminal according to a historical minimum waiting time when the user operates the current transaction type and a risk comparison factor corresponding to the current bank terminal;
and the control unit is used for controlling the transaction waiting time length of the current bank terminal according to the current waiting time length threshold value when the transaction request is processed.
The embodiment of the invention also provides computer equipment, which comprises a memory, a processor and a computer program stored on the memory and capable of running on the processor, wherein the method for controlling the transaction waiting time of the bank terminal is realized when the processor executes the computer program.
The embodiment of the invention also provides a computer readable storage medium, which stores a computer program for executing the method for controlling the transaction waiting time of the bank terminal.
In the embodiment of the invention, the scheme for controlling the transaction waiting time of the bank terminal is as follows: according to risk information of users in the service area of each bank terminal, determining risk coefficients of environments where each bank terminal is located; determining a risk level corresponding to each bank terminal according to the risk coefficient of the environment where each bank terminal is located and the relationship between a preset risk coefficient and the risk level; determining risk comparison factors of all risk levels according to risk coefficients of all bank terminals corresponding to each risk level; the risk grade corresponding to each bank terminal and the risk comparison factor of each risk grade are stored in the block chain; when the current bank terminal receives a transaction request of a user, acquiring a risk comparison factor corresponding to the current bank terminal from the blockchain; according to a historical waiting time threshold corresponding to the current transaction type, determining a current waiting time threshold of the user for carrying out the current transaction at the current bank terminal according to a historical minimum waiting time when the user operates the current transaction type and a risk comparison factor corresponding to the current bank terminal; when the transaction request is processed, the transaction waiting time of the current bank terminal is controlled according to the current waiting time threshold, so that reasonable transaction waiting time threshold can be obtained by integrating risk scenes of all bank terminals, and the security of the transaction of a user at the bank terminal is ensured.
Drawings
In order to more clearly illustrate the embodiments of the invention or the technical solutions in the prior art, the drawings that are required in the embodiments or the description of the prior art will be briefly described, it being obvious that the drawings in the following description are only some embodiments of the invention, and that other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art. In the drawings:
FIG. 1 is a flow chart of a method for controlling a waiting time of a bank terminal transaction according to an embodiment of the present invention;
FIG. 2 is a flow chart of a method for controlling a waiting time period of a bank terminal transaction according to another embodiment of the present invention;
FIG. 3 is a flow chart of a method for controlling a waiting time period of a bank terminal transaction according to another embodiment of the present invention;
Fig. 4 is a schematic structural diagram of an apparatus for controlling a waiting time of a transaction at a banking terminal according to an embodiment of the present invention;
fig. 5 is a schematic structural diagram of an apparatus for controlling a waiting time period of a transaction at a banking terminal according to another embodiment of the present invention.
Detailed Description
For the purpose of making the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention will be described in further detail with reference to the accompanying drawings. The exemplary embodiments of the present invention and their descriptions herein are for the purpose of explaining the present invention, but are not to be construed as limiting the invention.
Considering the technical problems existing in the prior art, the embodiment of the invention sets the transaction waiting time of the high-risk scene by using the data of other risk scenes. Compared with the high-risk scenes, the risk of other risk scenes is relatively small, the risk control is reasonable, and thus the waiting time of the high-risk scenes can be set based on the scenes to better control the risk. In particular, the transaction data and risk data for each scenario may be recorded with a blockchain. Risk coefficients for the respective scenes are then determined based on the transaction data and risk data for the respective scenes, and the risk coefficients are stored in the blockchain. When the client is in a high-risk scene, the intelligent contract determines a reasonable waiting time threshold value in the high-risk scene according to the risk coefficient of each scene and the waiting time threshold value of each scene stored by the blockchain, so that the safety of the transaction of the user at the bank terminal is ensured.
Fig. 1 is a flow chart of a method for controlling a waiting time of a bank terminal transaction according to an embodiment of the present invention, as shown in fig. 1, the method includes the following steps:
step 101: according to risk information of users in the service area of each bank terminal, determining risk coefficients of environments where each bank terminal is located;
Step 102: determining a risk level corresponding to each bank terminal according to the risk coefficient of the environment where each bank terminal is located and the relationship between a preset risk coefficient and the risk level; determining risk comparison factors of all risk levels according to risk coefficients of all bank terminals corresponding to each risk level; the risk grade corresponding to each bank terminal and the risk comparison factor of each risk grade are stored in the block chain;
Step 103: when the current bank terminal receives a transaction request of a user, acquiring a risk comparison factor corresponding to the current bank terminal from the blockchain; according to a historical waiting time threshold corresponding to the current transaction type, determining a current waiting time threshold of the user for carrying out the current transaction at the current bank terminal according to a historical minimum waiting time when the user operates the current transaction type and a risk comparison factor corresponding to the current bank terminal;
step 104: and when the transaction request is processed, controlling the transaction waiting time of the current bank terminal according to the current waiting time threshold.
The risk of transaction for a banking terminal under different circumstances is different. For example, off-line ATM must be at a higher risk than bank ATM due to the monitoring remotely from the bank and lack of participation by the bank personnel. The risk encountered by the customer in doing transactions is certainly much lower for the intelligent terminal where the customer population is stable than for the intelligent terminal where the customer population is changing.
Specifically, the risk coefficient is used to measure a quantization index of the environment that may cause a loss to the customer. The risk coefficient of the environment where the banking terminal is located can be calculated by the following method: determining risk coefficients of each risk type and probability of each risk type according to risk data of clients in transaction data of the self-service terminal in the environment; and determining the risk coefficient of the environment according to the risk coefficient of each risk type and the probability of each risk type. The impact of different types of risk on the customer is different. The method can determine the loss of the corresponding risk type to the client based on the data corresponding to each risk type, a large amount of data is arranged in a bank database, the data are enough to reflect the law of the loss of the risk to the client by a large number theorem, and the risk value corresponding to each risk type can be basically measured by using a statistic average value, namely the risk value corresponding to each risk type is set as the average value of the loss of the corresponding risk type to the client. Meanwhile, the probability of each risk type also reflects the influence of the risk type on the client, and the larger the probability is, the larger the influence is, and the larger the risk of the client is. After determining the risk types, the risk coefficient of each risk type and the probability of each risk type, the risk coefficient of the corresponding environment can be determined, for example, the risk coefficients are directly set as follows: sum (ri×ni) or sum (log (ri×ni)), ri being the risk coefficient of the i-th risk type, ni being the probability of the i-th risk type, sum being the summation function. An improvement to the above scheme is: in addition to considering the risk coefficient of each risk type and the probability of each risk type, the proportion t of the risk data to the whole transaction data needs to be considered, the risk coefficient of the corresponding environment may be modified to be: t×sum (log (ri×ni)) or t×sum (ri×ni)), so that risk coefficients of various environments can be evaluated more accurately.
The risk of the environment where the bank terminal is located is quantified through the risk coefficient and the risk comparison factor, and then the relation between the risk comparison factor and the waiting time threshold is established through the function, so that the risk of the environment where the bank terminal is located can be directly reflected to the waiting time threshold corresponding to the bank terminal, and the risk of the environment where the bank terminal is located and the risk of the transaction of the client (user) at the bank terminal are established through the mode because the waiting time threshold corresponding to the bank terminal directly influences the risk of the transaction of the client, specifically, the higher the risk of the environment where the bank terminal is located is, the smaller the client transaction risk corresponding to the waiting time threshold of the bank terminal is compared with the client transaction risk corresponding to the historical waiting time threshold in the past.
The transaction waiting time not only comprises waiting time reserved for the customer to select the bank transaction by the bank terminal after the customer successfully logs in the account password on the bank terminal, but also comprises waiting time reserved for the customer to perform various operations by the bank terminal when the customer performs various bank transactions on the bank terminal, wherein the bank transactions comprise but are not limited to the following steps: deposit, withdraw, transfer, purchase of financial resources, inquiry of funds, sales, face recognition verification and the like.
The blockchain can ensure that the data is not tampered by people, ensure that key data of each banking website and terminal are real and effective, and further ensure that risk control is effective.
In the embodiment of the invention, the method for controlling the transaction waiting time of the bank terminal can obtain the reasonable transaction waiting time threshold according to the risk of the environment where each bank terminal is located, and ensures that the risk is controllable when a user carries out transactions at the bank terminal. The following is a detailed description.
In one embodiment, in the step 103, determining the current waiting duration threshold of the current transaction performed by the user at the current bank terminal according to the historical waiting duration threshold corresponding to the current transaction type, the historical minimum waiting duration when the user operates the current transaction type, and the risk comparison factor corresponding to the current bank terminal may include determining the current waiting duration threshold according to the following formula:
L2＝max(L1×f(r),p)；
Wherein L2 is a current waiting time threshold, L1 is a historical waiting time threshold, f (r) is a monotonically decreasing function, r is a risk comparison factor corresponding to a current bank terminal, and p is a historical minimum waiting time. The formula can ensure that the transaction waiting time of the current bank terminal is inversely related to the risk of the environment where the client is located, namely the higher the risk of the environment where the current bank terminal is located, the smaller the waiting time threshold value, and the lower the possibility of risk occurrence during the transaction of the client under the same condition compared with the historical waiting time threshold value. Meanwhile, the historical minimum waiting time is considered, so that the customer can be guaranteed to have enough time to conduct various transaction operations, and the fact that the determined current waiting time threshold value does not reduce the experience of the customer in using the bank terminal is guaranteed.
Further, the above formula is closely related to a specific current customer, and the waiting time set by different customers is different because the reaction time and operation habit of different customers are different. Meanwhile, the current waiting time thresholds are also different for different banking transactions, because the historical waiting time thresholds of different banking transactions must be different. For example, the deposit and withdrawal require the customer to perform the cash related operations, the transfer transaction may require the customer to manually enter the bank account of the transaction opponent, and the inquiry transaction is relatively simple. The above formula applies to all banking transactions as long as L1 and L2 are the same type of transaction for the current customer.
Further, a plurality of time points can be determined based on historical transaction data of the bank terminal, each time point is located between time intervals formed by the start time and the end time of the transaction of the bank terminal, risk data of each time point are counted and cut off, then risk coefficients corresponding to the end time of the transaction and risk comparison factors corresponding to the risk coefficients are confirmed according to the risk data, the risk comparison factors are used as independent variables, waiting time corresponding to the corresponding time points (namely, difference between the corresponding time points and the start time of the transaction) is used as a dependent variable, and polynomial functions are used for fitting to obtain a specific expression of the function f.
In specific implementation, the implementation of determining the current waiting time threshold can establish a corresponding relation between the risk of the environment where the bank terminal is located and the waiting time threshold when the user transacts at the bank terminal, thereby realizing digital risk control of the bank and ensuring the safety of the user using the bank terminal.
In one embodiment, as shown in fig. 2, in the step 104, when processing the transaction request, controlling the transaction waiting duration of the current bank terminal according to the current waiting duration threshold may include:
Step 1041: and stopping processing the transaction request when the duration of the user without operating the bank terminal exceeds the current waiting duration threshold.
In the implementation, the security of the user using the current banking terminal can be ensured by controlling the transaction waiting time threshold of the current banking terminal. For example, when a customer suddenly receives a call to busy other things and forgets the transaction of the bank terminal, the application leaves the opportunity for other people to maliciously operate, and the steps can ensure that the transaction request is stopped being processed when the duration that the user does not operate the bank terminal exceeds the waiting duration threshold, so that the opportunity for other people to maliciously operate is reduced, that is, the embodiment can improve the safety of the user using the bank terminal.
In one embodiment, as shown in fig. 3, the method for controlling the transaction waiting duration of the banking terminal may further include a further preferred step:
step 105: acquiring historical transaction amount of the user;
Step 106: when the historical transaction amount of the user exceeds the preset transaction amount, updating the current waiting time length threshold value to obtain an updated waiting time length threshold value;
the previous solutions have the problem of possibly resulting in a relatively short waiting time for the customer, who needs to operate quickly, especially for customers with more active transactions. Customers for whom bank transactions are more active can be determined from the historical transaction amounts of the users, for which customers we can increase the waiting time appropriately, and the larger the transaction amount of the active customers, the larger the magnitude of the increase should be. After updating the waiting time threshold value when the bank terminal carries out the transaction, and further when the transaction request is processed, controlling the current transaction waiting time of the bank terminal according to the updated waiting time threshold value, so that the requirement of risk control can be met, the differentiated requirement of active clients can be properly met, and the client experience is improved.
In one embodiment, when it is determined that the historical transaction amount of the user exceeds the preset transaction amount, updating the current waiting duration threshold to obtain an updated waiting duration threshold may include:
And when the historical transaction amount of the user exceeds the preset transaction amount, multiplying the current waiting time length threshold by a function taking the historical transaction amount of the user as an independent variable to obtain an updated waiting time length threshold.
In the implementation, the current waiting time length threshold value is multiplied by a function taking the historical transaction amount of the user as an independent variable, so that clients with different transaction amounts can be ensured, the changing amplitude of the waiting time length is different, and the larger the historical transaction amount is, the more active the clients are, and the larger the waiting time length is. Therefore, on the premise of controllable risk, the updated waiting time length can meet the actual demands of clients with different liveness.
In one embodiment, the function with the historical transaction amount of the user as an argument may be:
f(y)＝2/(1+exp(-y))；
Where f (y) is a function of the user's historical transaction amount as an argument and y is the user's historical transaction amount.
In the implementation, the function taking the historical transaction amount of the user as the independent variable further improves the experience of the user using the bank terminal. The value range of the function is [1,2], and the function is a monotonically increasing function, so that the more active clients are ensured, the larger the waiting time is, but the changed waiting time is not too large compared with the waiting time before the change, and the updated waiting time is ensured not to cause risks.
In order to facilitate understanding of how the present invention may be practiced, an example will now be described.
1. Setting risk factors of the environments of the banking terminals, namely, the step 101. The risk data of the area may be used to set, for example, the proportion of clients (users) having risk among clients served by the terminal, for example, risk information of clients in an area around the terminal (an area served by a banking terminal, for example, an area with a radius of 1000 meters around the terminal). Specifically, risk information of the user in the area served by each banking terminal may be acquired from a database stored in a bank or a financial institution.
2. Setting corresponding risk levels according to the environmental risk coefficients corresponding to each bank terminal, setting risk comparison factors of each risk level and the lowest risk level according to the environmental risk coefficients of different risk levels, for example, setting the risk comparison factor corresponding to the risk level as a quotient of the average value according to the average value of the environmental risk coefficients of the bank terminal set corresponding to each level and the average value of the environmental risk coefficients of the bank terminal set corresponding to the lowest risk level. The bank terminals and the corresponding risk levels, and the risk comparison factors for each risk level are stored in the blockchain, step 102.
3. When the current bank terminal receives a transaction request, the bank terminal acquires the risk level of the bank terminal from the blockchain and a risk comparison factor r corresponding to the risk level.
4. When a customer makes a transaction on the current bank terminal, the bank terminal acquires a historical waiting time (duration) threshold value corresponding to each transaction type (such as withdrawal, inquiry, transfer, payment and the like) corresponding to the customer and a minimum waiting time p (historical minimum waiting duration) of the historical transaction data when the customer operates the transaction, and specifically, the historical waiting time threshold value and the historical minimum waiting duration can be acquired from a database stored in a bank or a financial institution. Then, based on the risk comparison factor r of the risk class corresponding to the bank terminal and the obtained time (the historical waiting time threshold, the historical minimum waiting time), estimating a waiting time threshold (the current waiting time threshold) for making the transaction at the bank terminal, for example, setting the waiting time threshold according to the risk comparison factor r to be: l2=max (l1×f (r), p). L1 is the latency threshold (historical latency threshold) of the customer in doing the transaction, f is a monotonically decreasing function, and L1 and L2 correspond to the same customer. Steps "3 and 4" are the above step 103.
5. When the customer makes a transaction at the bank terminal, if the non-operation time of the customer exceeds the corresponding waiting time threshold, the transaction initiated by the customer is automatically stopped, i.e. step 104.
6. In order to meet the differentiated requirements, such as the demands of customers who transact more actively in the bank, the system using the bank is more demanding, and in order to improve the use experience of this part of customers, the above calculated L2 may be multiplied by a function taking the transaction amount of the customer as an independent variable, where the function satisfies: the larger the transaction amount, the larger the latency threshold should be, for example this function may be: f (y) =2/(1+exp (-y)), where y is the transaction amount of the customer, i.e., the above-described further preferred procedure.
In summary, the method for controlling the waiting time of the bank terminal according to the embodiment of the invention automatically adjusts the waiting time threshold of the client when the bank terminal makes the transaction according to the risk of the environment where the bank terminal is located, and can ensure that the larger the risk of the environment where the bank terminal is located is, the smaller the waiting time threshold of the client when the bank terminal makes the transaction is, namely the smaller the risk of the client when the bank terminal makes the transaction is. Meanwhile, on the premise of effectively controlling the transaction risk of the bank terminal, the waiting time threshold of the active client can be properly adjusted to meet the differentiated requirements of the active client.
The embodiment of the invention also provides a device for controlling the waiting time of the bank terminal transaction, as described in the following embodiment. Because the principle of the device for solving the problem is similar to that of the method for controlling the transaction waiting time of the bank terminal, the implementation of the device can refer to the implementation of the method for controlling the transaction waiting time of the bank terminal, and the repetition is omitted.
Fig. 4 is a schematic structural diagram of an apparatus for controlling a waiting time of a transaction at a banking terminal according to an embodiment of the present invention, as shown in fig. 4, the apparatus includes:
the risk coefficient determining unit 01 is used for determining the risk coefficient of the environment where each bank terminal is located according to the risk information of the user in the service area where each bank terminal is located;
The risk comparison factor determining unit 02 is configured to determine a risk level corresponding to each bank terminal according to a risk coefficient of an environment in which each bank terminal is located and a relationship between a preset risk coefficient and a risk level; determining risk comparison factors of all risk levels according to risk coefficients of all bank terminals corresponding to each risk level; the risk grade corresponding to each bank terminal and the risk comparison factor of each risk grade are stored in the block chain;
The current waiting time length threshold determining unit 03 is configured to obtain, when the current bank terminal receives a transaction request of a user, a risk comparison factor corresponding to the current bank terminal from the blockchain; according to a historical waiting time threshold corresponding to the current transaction type, determining a current waiting time threshold of the user for carrying out the current transaction at the current bank terminal according to a historical minimum waiting time when the user operates the current transaction type and a risk comparison factor corresponding to the current bank terminal;
And the control unit 04 is used for controlling the transaction waiting time length of the current bank terminal according to the current waiting time length threshold value when the transaction request is processed.
In one embodiment, the control unit may be specifically configured to: and stopping processing the transaction request when the duration of the user without operating the bank terminal exceeds the determined waiting duration threshold.
In one embodiment, as shown in fig. 5, the apparatus for controlling a transaction waiting duration of a banking terminal may further include:
an acquisition unit 05 for acquiring a historical transaction amount of the user;
an updating unit 06, configured to update the determined waiting duration threshold when it is determined that the historical transaction amount of the user exceeds a preset transaction amount, so as to obtain an updated waiting duration threshold;
the control unit may be specifically configured to: and when the transaction request is processed, controlling the transaction waiting time of the current bank terminal according to the updated waiting time threshold.
In one embodiment, the updating unit may specifically be configured to: and when the historical transaction amount of the user exceeds the preset transaction amount, multiplying the determined waiting time length threshold by a function taking the historical transaction amount of the user as an independent variable to obtain an updated waiting time length threshold.
The embodiment of the invention also provides computer equipment, which comprises a memory, a processor and a computer program stored on the memory and capable of running on the processor, wherein the method for controlling the transaction waiting time of the bank terminal is realized when the processor executes the computer program.
The embodiment of the invention also provides a computer readable storage medium, which stores a computer program for executing the method for controlling the transaction waiting time of the bank terminal.
In the embodiment of the invention, the scheme for controlling the transaction waiting time of the bank terminal is as follows: according to risk information of users in the service area of each bank terminal, determining risk coefficients of environments where each bank terminal is located; determining a risk level corresponding to each bank terminal according to the risk coefficient of the environment where each bank terminal is located and the relationship between a preset risk coefficient and the risk level; determining risk comparison factors of all risk levels according to risk coefficients of all bank terminals corresponding to each risk level; the risk grade corresponding to each bank terminal and the risk comparison factor of each risk grade are stored in the block chain; when the current bank terminal receives a transaction request of a user, acquiring a risk comparison factor corresponding to the current bank terminal from the blockchain; according to a historical waiting time threshold corresponding to the current transaction type, determining a current waiting time threshold of the user for carrying out the current transaction at the current bank terminal according to a historical minimum waiting time when the user operates the current transaction type and a risk comparison factor corresponding to the current bank terminal; when the transaction request is processed, the transaction waiting time of the current bank terminal is controlled according to the current waiting time threshold, so that reasonable transaction waiting time threshold can be obtained by integrating risk scenes of all bank terminals, and the security of the transaction of a user at the bank terminal is ensured.
It will be appreciated by those skilled in the art that 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 flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations 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 foregoing description of the embodiments has been provided for the purpose of illustrating the general principles of the invention, and is not meant to limit the scope of the invention, but to limit the invention to the particular embodiments, and any modifications, equivalents, improvements, etc. that fall within the spirit and principles of the invention are intended to be included within the scope of the invention.
Claims (11)
1. A method for controlling the waiting time of a bank terminal transaction, comprising the following steps:
according to risk information of users in the service area of each bank terminal, determining risk coefficients of environments where each bank terminal is located;
Determining a risk level corresponding to each bank terminal according to the risk coefficient of the environment where each bank terminal is located and the relationship between a preset risk coefficient and the risk level; determining risk comparison factors of all risk levels according to risk coefficients of all bank terminals corresponding to each risk level; the risk grade corresponding to each bank terminal and the risk comparison factor of each risk grade are stored in the block chain;
When the current bank terminal receives a transaction request of a user, acquiring a risk comparison factor corresponding to the current bank terminal from the blockchain; according to a historical waiting time threshold corresponding to the current transaction type, determining a current waiting time threshold of the user for carrying out the current transaction at the current bank terminal according to a historical minimum waiting time when the user operates the current transaction type and a risk comparison factor corresponding to the current bank terminal;
When the transaction request is processed, controlling the transaction waiting time of the current bank terminal according to the current waiting time threshold;
According to a historical waiting time threshold corresponding to the current transaction type, a historical minimum waiting time when a user operates the current transaction type and a risk comparison factor corresponding to the current bank terminal, determining the current waiting time threshold of the user for carrying out the current transaction at the current bank terminal, wherein the determining the current waiting time threshold according to the following formula comprises the following steps:
L2＝max(L1×f(r),p)；
Wherein L2 is a current waiting time threshold, L1 is a historical waiting time threshold, f (r) is a monotonically decreasing function, r is a risk comparison factor corresponding to a current bank terminal, and p is a historical minimum waiting time.
2. The method for controlling the transaction waiting time of a banking terminal according to claim 1, wherein controlling the transaction waiting time of the current banking terminal according to the current waiting time threshold value when processing the transaction request comprises:
and stopping processing the transaction request when the duration of the user without operating the bank terminal exceeds the current waiting duration threshold.
3. The method for controlling a transaction waiting period of a banking terminal as claimed in claim 1, further comprising:
acquiring historical transaction amount of the user;
When the historical transaction amount of the user exceeds the preset transaction amount, updating the current waiting time length threshold value to obtain an updated waiting time length threshold value;
When the transaction request is processed, controlling the transaction waiting time length of the current bank terminal according to the current waiting time length threshold, wherein the transaction waiting time length comprises the following steps:
And when the transaction request is processed, controlling the transaction waiting time of the current bank terminal according to the updated waiting time threshold.
4. A method of controlling a transaction duration of a banking terminal as claimed in claim 3 wherein updating the current duration threshold upon determining that the user's historical transaction amount exceeds a predetermined transaction amount to obtain an updated duration threshold comprises:
And when the historical transaction amount of the user exceeds the preset transaction amount, multiplying the current waiting time length threshold by a function taking the historical transaction amount of the user as an independent variable to obtain an updated waiting time length threshold.
5. The method for controlling a transaction waiting period of a banking terminal as claimed in claim 4, wherein the function using the historical transaction amount of the user as an argument is:
f(y)＝2/(1+exp(-y))；
Where f (y) is a function of the user's historical transaction amount as an argument and y is the user's historical transaction amount.
6. An apparatus for controlling a waiting time period of a transaction at a banking terminal, comprising:
the risk coefficient determining unit is used for determining the risk coefficient of the environment where each bank terminal is located according to the risk information of the user in the service area of each bank terminal;
The risk comparison factor determining unit is used for determining the risk level corresponding to each bank terminal according to the risk coefficient of the environment where each bank terminal is located and the relation between the preset risk coefficient and the risk level; determining risk comparison factors of all risk levels according to risk coefficients of all bank terminals corresponding to each risk level; the risk grade corresponding to each bank terminal and the risk comparison factor of each risk grade are stored in the block chain;
The current waiting time length threshold determining unit is used for acquiring a risk comparison factor corresponding to the current bank terminal from the blockchain when the current bank terminal receives a transaction request of a user; according to a historical waiting time threshold corresponding to the current transaction type, determining a current waiting time threshold of the user for carrying out the current transaction at the current bank terminal according to a historical minimum waiting time when the user operates the current transaction type and a risk comparison factor corresponding to the current bank terminal;
The control unit is used for controlling the transaction waiting time length of the current bank terminal according to the current waiting time length threshold value when the transaction request is processed;
According to a historical waiting time threshold corresponding to the current transaction type, a historical minimum waiting time when a user operates the current transaction type and a risk comparison factor corresponding to the current bank terminal, determining the current waiting time threshold of the user for carrying out the current transaction at the current bank terminal, wherein the determining the current waiting time threshold according to the following formula comprises the following steps:
L2＝max(L1×f(r),p)；
Wherein L2 is a current waiting time threshold, L1 is a historical waiting time threshold, f (r) is a monotonically decreasing function, r is a risk comparison factor corresponding to a current bank terminal, and p is a historical minimum waiting time.
7. The apparatus for controlling a transaction waiting period of a banking terminal as claimed in claim 6, wherein the control unit is specifically configured to: and stopping processing the transaction request when the duration of the user without operating the bank terminal exceeds the current waiting duration threshold.
8. The apparatus for controlling a transaction waiting period of a banking terminal as claimed in claim 6, further comprising:
An acquisition unit configured to acquire a historical transaction amount of the user;
the updating unit is used for updating the current waiting time length threshold value to obtain an updated waiting time length threshold value when the historical transaction amount of the user exceeds the preset transaction amount;
the control unit is specifically configured to: and when the transaction request is processed, controlling the transaction waiting time of the current bank terminal according to the updated waiting time threshold.
9. The apparatus for controlling a transaction waiting time period of a banking terminal as claimed in claim 8, wherein the updating unit is specifically configured to: and when the historical transaction amount of the user exceeds the preset transaction amount, multiplying the current waiting time length threshold by a function taking the historical transaction amount of the user as an independent variable to obtain an updated waiting time length threshold.
10. A computer device comprising a memory, a processor and a computer program stored on the memory and running on the processor, characterized in that the processor implements the method of any of claims 1 to 5 when executing the computer program.
11. A computer readable storage medium, characterized in that the computer readable storage medium stores a computer program for executing the method of any one of claims 1 to 5.
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| US8661258B2 (en) * | 2009-10-23 | 2014-02-25 | Vasco Data Security, Inc. | Compact security device with transaction risk level approval capability |
| US8275650B1 (en) * | 2011-03-01 | 2012-09-25 | Bank Of America Corporation | Capacity planning for user wait time |
| CN110210854B (en) * | 2019-05-31 | 2021-07-13 | 中国银联股份有限公司 | Payment information processing method, device, equipment and computer readable storage medium |
| CN112232823B (en) * | 2020-12-10 | 2021-04-23 | 腾讯科技（深圳）有限公司 | Transaction processing method, device, medium and electronic equipment of block chain system |
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| CN109389457A (en) * | 2018-08-20 | 2019-02-26 | 深圳壹账通智能科技有限公司 | Method of network entry, device, equipment and the readable storage medium storing program for executing of application gathering permission |
| CN110175839A (en) * | 2019-05-31 | 2019-08-27 | 中国银联股份有限公司 | Method for processing payment information, device, equipment and computer readable storage medium |
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