CN108682088A - ATM-based cross-border abnormal transaction determination method and device - Google Patents
ATM-based cross-border abnormal transaction determination method and device Download PDFInfo
- Publication number
- CN108682088A CN108682088A CN201810458743.1A CN201810458743A CN108682088A CN 108682088 A CN108682088 A CN 108682088A CN 201810458743 A CN201810458743 A CN 201810458743A CN 108682088 A CN108682088 A CN 108682088A
- Authority
- CN
- China
- Prior art keywords
- transaction
- user
- border
- cross
- abnormal
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Classifications
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
- G07F19/209—Monitoring, auditing or diagnose of functioning of ATMs
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Engineering & Computer Science (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Marketing (AREA)
- Strategic Management (AREA)
- Technology Law (AREA)
- General Business, Economics & Management (AREA)
- Theoretical Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses a cross-border abnormal transaction determining method and device based on an ATM (automatic teller machine), relates to the technical field of data processing, and mainly aims to solve the problems that early warning accuracy is seriously influenced and determining efficiency of cross-border abnormal transactions is reduced due to the fact that a monitored object of an existing cross-border ATM is unclear. The main technical scheme is as follows: acquiring user account information and historical transaction information of a monitoring cross-border transaction user through a background system of the ATM; judging whether preset abnormal transaction conditions are met or not according to the transaction characteristics of the user account information and the historical transaction information, wherein the preset abnormal transaction conditions comprise abnormal conditions when different transaction characteristics configured according to different importance are in abnormal transactions; and if the transaction meets preset abnormal transaction conditions, determining the transaction generated by the monitoring cross-border transaction user as a cross-border abnormal transaction.
Description
Technical field
The present invention relates to a kind of technical field of data processing, merchandise extremely more particularly to a kind of cross-border based on ATM
Determine method and device.
Background technology
With the development of globalization of domestic and international economy, different banking companies can all pass through Automatic Teller Machine ATM
(Automated Teller Machine) provides cross-border transaction service, can be carried out in every country so as not to same user
Enchashment, transaction of depositing cash.Wherein, for cross-border enchashment, enchashment overseas not only evaded personal annual sum of buying foreign exchange management and
The verification for decoupling Foreign Exchange Settlement and Sale, facilitates domestic assets to illegal transfer overseas, while also becoming illegal private bank, fraudulent groups
The tool of equal offenders' money laundering.Therefore, it is necessary to carry out timely monitoring to cross-border transaction to assess.
Currently, identity information limited area of the existing cross-border ATM cash withdrawal according to client, then pass through transaction amount, transaction frequency
Inferior feature-set fixes threshold values, to determine abnormal transaction, for example, being set when transaction amount, the transaction frequency meet whole features
Surely when fixed threshold values, it is determined that reach monitoring standard, by the client and for Transaction Information carry out early warning.But have
A little key monitoring objects reach monitoring standard but non-key monitoring object does not reach monitoring standard, will not carry out early warning, this prison
The indefinite situation of object is surveyed, early warning accuracy is seriously affected, reduces the cross-border determination efficiency merchandised extremely.
Invention content
In view of this, the present invention provides a kind of cross-border determination method and device merchandised extremely based on ATM, main purpose
It is to solve existing cross-border ATM cash withdrawal because monitoring object is indefinite, seriously affects early warning accuracy, reduces and cross-border to merchandise extremely
The problem of determining efficiency.
According to the present invention on one side, a kind of cross-border determination method merchandised extremely based on ATM is provided, including：
The user account information and historical transactional information of monitoring cross-border transaction user are obtained by the background system of ATM；
Determined whether to meet preset abnormal friendship according to the transaction feature of the user account information and historical transactional information
Easy condition, the preset abnormal terms of trade include when being in abnormal transaction according to the different transaction features that different importance configure
Exceptional condition；
If meeting preset abnormal terms of trade, the transaction that the monitoring cross-border transaction user generates is determined as cross-border different
Often transaction.
According to the present invention on one side, a kind of cross-border determining device merchandised extremely based on ATM is provided, including：
Acquiring unit, user account information for obtaining monitoring cross-border transaction user by the background system of ATM and
Historical transactional information；
Judging unit, for determining whether to accord with according to the transaction feature of the user account information and historical transactional information
Preset abnormal terms of trade are closed, the preset abnormal terms of trade include at the different transaction features configured according to different importance
Exceptional condition when merchandising extremely；
Determination unit, if for meeting preset abnormal terms of trade, by the friendship of the monitoring cross-border transaction user generation
Easily it is determined as cross-border abnormal transaction.
According to another aspect of the invention, a kind of storage medium is provided, at least one is stored in the storage medium can
It executes instruction, the executable instruction makes processor execute such as the above-mentioned cross-border determination method correspondence merchandised extremely based on ATM
Operation.
In accordance with a further aspect of the present invention, a kind of terminal is provided, including：Processor, memory, communication interface and communication
Bus, the processor, the memory and the communication interface complete mutual communication by the communication bus；
For the memory for storing an at least executable instruction, it is above-mentioned that the executable instruction makes the processor execute
Based on the cross-border corresponding operation of determination method merchandised extremely of ATM.
By above-mentioned technical proposal, technical solution provided in an embodiment of the present invention at least has following advantages：
The present invention provides a kind of cross-border determination method and devices merchandised extremely based on ATM, first by ATM after
Platform system obtains the user account information and historical transactional information of monitoring cross-border transaction user, then according to the user account
The transaction feature of information and historical transactional information determines whether to meet preset abnormal terms of trade, the preset abnormal transaction item
Part includes exceptional condition when being in abnormal transaction according to the different transaction features that different importance configure, if meeting preset exception
The transaction that the monitoring cross-border transaction user generates then is determined as cross-border abnormal transaction by terms of trade.It is taken with existing cross-border ATM
Now according to the identity information limited area of client, threshold values is fixed by relevant feature-sets such as transaction amount, the transaction frequencys, is come
Determine that abnormal transaction is compared, the embodiment of the present invention carries out the user account information of enchashment user from ATM by acquisition and history is handed over
The transaction feature of easy information is determined cross-border using ATM progress to determine whether meet the abnormal terms of trade of different importance
The abnormal transaction of transaction, increases the accurate judgement to merchandising extremely, can be directed to different monitoring objects according to different exceptions
Condition is judged, to improve the cross-border accuracy and high efficiency merchandised extremely.
Above description is only the general introduction of technical solution of the present invention, in order to better understand the technical means of the present invention,
And can be implemented in accordance with the contents of the specification, and in order to allow above and other objects of the present invention, feature and advantage can
It is clearer and more comprehensible, below the special specific implementation mode for lifting the present invention.
Description of the drawings
By reading the detailed description of hereafter preferred embodiment, various other advantages and benefit are common for this field
Technical staff will become clear.Attached drawing only for the purpose of illustrating preferred embodiments, and is not considered as to the present invention
Limitation.And throughout the drawings, the same reference numbers will be used to refer to the same parts.In the accompanying drawings：
Fig. 1 shows a kind of cross-border determination method flow diagram merchandised extremely based on ATM provided in an embodiment of the present invention；
Fig. 2 shows another cross-border determination method flows merchandised extremely based on ATM provided in an embodiment of the present invention
Figure；
Fig. 3 shows a kind of cross-border determination device block diagram merchandised extremely based on ATM provided in an embodiment of the present invention；
Fig. 4 shows another cross-border determination device block diagram merchandised extremely based on ATM provided in an embodiment of the present invention；
Fig. 5 shows a kind of terminal schematic diagram provided in an embodiment of the present invention.
Specific implementation mode
The exemplary embodiment of the disclosure is more fully described below with reference to accompanying drawings.Although showing the disclosure in attached drawing
Exemplary embodiment, it being understood, however, that may be realized in various forms the disclosure without should be by embodiments set forth here
It is limited.On the contrary, these embodiments are provided to facilitate a more thoroughly understanding of the present invention, and can be by the scope of the present disclosure
Completely it is communicated to those skilled in the art.
An embodiment of the present invention provides a kind of cross-border determination methods merchandised extremely based on ATM, as shown in Figure 1, described
Method includes：
101, the user account information of monitoring cross-border transaction user is obtained by the background system of ATM and historical trading is believed
Breath.
Wherein, the ATM can be positioned at China All Countries, with China bank have cooperative relationship
The automatic teller machine of bank or national bank's configuration, the background system is record, preservation bank-user passes through ATM withdrawal
Information, to do information support for data processing.The user account information includes user identity card number, user's name, use
Family bank card number etc., the embodiment of the present invention is not specifically limited.The historical transactional information includes type of transaction, transaction generation
Ground, transaction currency type, user's enchashment behavior, user access accounting, transaction channel, and the type of transaction includes deposit, withdraws the money, turns
Account, the transaction spot be deposit occurs, withdrawal such as is transferred accounts at the places of operations, such as Thailand, Vietnam, Brunei, Malaysia,
Indonesia, Turkey, Syria, Iraq, Iran, Afghanistan, Pakistan, Egypt, Kazakhstan, Kirghiz Republic
Si Tan, Uzbekistan, Tajikistan etc., the transaction currency type include that (Malaysian woods is lucky by CNY (RMB), MYR
It is special), THB (Thai Baht), TRY (Turkish Lira(LT)), VND (Vietnamese dong), SYP (Syrian Pound), AZN (Azerbaijan's horse nanotesla),
PKR (Pakistan Rupee), AFN (Afghani), KZT (Kazakhstan tenge), KGS (Kirghizstan's rope nurse), UZS
(Uzbekistan revive nurse), TJS (Tajikistan Somoni), SAR (Saudi Arabian riyal), MMK (Burmese kyat),
JPY (yen), EUR (Euro), user's enchashment behavior include enchashment, not enchashment, and it is to deposit that the user, which takes and deposits accounting,
With the ratio between withdraw the money, the transaction channel include the country deposit cash and overseas ATM cash withdrawal, overseas deposit cash and domestic enchashment etc., the present invention
Embodiment is not specifically limited.
It should be noted that in general, the background system of the ATM that different banks can be configured by one's own profession obtains pair
The information answered needs the bank for carrying out abnormal determination of merchandising to ask to cooperate to other banks if inter-bank withdrawal occurs in user,
To obtain corresponding withdrawal information.
102, determine whether to meet according to the transaction feature of the user account information and historical transactional information preset different
Normal terms of trade.
Wherein, the preset abnormal terms of trade include being in abnormal according to the different transaction features that different importance configure
Exceptional condition when transaction, the transaction feature by user in the specific features data generated when ATM withdrawal overseas,
Exceptional condition include user account information, type of transaction, transaction spot, transaction currency type, user's enchashment behavior, user access account for
Than the exceptional condition of, transaction channel, for example, for transaction spot, can be set as the transaction spot merchandised extremely is bar
Le Sitan then judges whether transaction spot is Palestine, if so, being determined directly as abnormal transaction, the embodiment of the present invention
It is not specifically limited.For another example, can set user access accounting be funds source with cash deposit or remittance account for entire account
Transaction more than 60% (containing) is for abnormal transaction etc., and the embodiment of the present invention is not specifically limited.
It should be noted that preset exception terms of trade generally first pass through the different of the abnormal transaction setting having determined in advance
Normal condition, wherein can need to come according to the different transaction feature of importance in user account information and historical transactional information
The transaction feature of judgement, which is used as, judges object, if being abnormal there are one transaction feature, can be determined as meeting preset abnormal friendship
Easy condition, in general, importance refers to user account information, type of transaction, transaction spot, transaction currency type, user's enchashment row
It is accessed in accounting, transaction channel for, user, the degree of transaction exception is assured that out by a feature, for example, user's account
Family information is the user of sensitive country identity, then abnormal trade user is determined directly as, to avoid All Activity feature all
As assessment object, the judgement of important feature when simplifying and accurately judging to be abnormal transaction.
If 103, meeting preset abnormal terms of trade, by the transaction that the monitoring cross-border transaction user generates be determined as across
Extremely it merchandises in border.
For the embodiment of the present invention, in order to accurately determine the abnormal conditions of cross-border transaction, if meeting preset abnormal transaction
The transaction that the cross-border transaction user of monitoring generates then is determined as cross-border abnormal transaction by condition.In addition, in order to be carried in time to bank
For information, forewarning function is played, the subscriber identity information etc. of monitoring user can also be parsed, the embodiment of the present invention is not done specifically
It limits.
The present invention provides a kind of cross-border determination method merchandised extremely based on ATM, with existing cross-border ATM cash withdrawal according to
The identity information limited area of client fixes threshold values by relevant feature-sets such as transaction amount, the transaction frequencys, different to determine
Often transaction is compared, and the embodiment of the present invention carries out the user account information and historical transactional information of enchashment user by obtaining from ATM
Transaction feature to determine whether meet the abnormal terms of trade of different importance, determine that ATM is utilized to carry out cross-border transaction
Abnormal transaction, increases the accurate judgement to merchandising extremely, can be directed to different monitoring objects according to different exceptional condition into
Row judges, to improve the cross-border accuracy and high efficiency merchandised extremely.
An embodiment of the present invention provides another kinds based on the cross-border determination method merchandised extremely of ATM, as shown in Fig. 2, institute
The method of stating includes：
201, monitoring information acquisition is sent to the ATM background systems positioned at different monitoring places according to prefixed time interval to ask
It asks.
Wherein, the ATM background systems positioned at different monitoring places can be to be drawn according to regions such as province, city, counties
The ATM back-end data storage systems divided, for example, Beijing can be divided into the backstages ATM of Chaoyang District, Haidian District according to each zoning
System, the embodiment of the present invention are not specifically limited.In order to grasp object to be monitored in time, need to set according to prefixed time interval
It sends monitoring information and obtains request, the prefixed time interval can be 1 day, 1 week etc., and the embodiment of the present invention does not do specific limit
It is fixed.
It should be noted that the monitoring information for transmission obtains request, the ATM identification for needing to obtain can be carried, also
Trading session, the transaction cycle etc. that information can be carried, as trading session be in January, 2015 so far, transaction cycle be 30 works
Make day etc., the embodiment of the present invention is not specifically limited.
202, the user account information of monitoring cross-border transaction user is obtained by the background system of ATM and historical trading is believed
Breath.
This step is identical as step 101 method shown in FIG. 1, and details are not described herein.
It should be noted that after sending monitoring information and obtaining request, current request sends monitoring information and obtains request
Terminal can receive the user account information and historical transactional information of corresponding monitoring cross-border transaction user, to utilize these
Data are judged.
203, judge the user account information, type of transaction, transaction spot, transaction currency type, user's enchashment behavior, use
Family access accounting, whether transaction channel needs quantifies.
For the embodiment of the present invention, in order to simplify the processing quantity of monitoring data, to carry out numerical value system in step 205
Meter, can be quantified operation, and each transaction feature is avoided can not judge for the excessive transaction feature of some data volumes
When abnormal transaction, all features as a whole when omit there may be abnormal the case where merchandising, the quantization is will transaction
Characteristic value is indexing, is taken afterwards by ATM overseas in 1 month for example, account receives cash deposit (importing fund)
Now can be quantified, obtain numerical value 8, what funds source was stored in or was imported with cash account for 60% (containing) of entire account trading with
On the data 28 that can be quantified, account receives cash deposit (importing fund) afterwards in 1 month by ATM cash withdrawal overseas
It can be quantified to obtain 28.
It should be noted that for judge quantization method, can according to temporal information, location information, Transaction Information into
Row judges that temporal information is the withdrawal period, such as larger numerical value can be quantified as within 1 month, is quantified after one month
For smaller numerical value, the embodiment of the present invention is not specifically limited.Location information is used to by important transaction carry out quantification, with
Just carry out numerical statistic in step 205, for example, Pakistan is belonged to transaction jeopardously, be directly quantified as one it is larger
Numerical value 50, the embodiment of the present invention is not specifically limited.Due to the transaction currency type in Transaction Information, type of transaction, user's enchashment row
Access accounting for, user, the transaction feature of transaction channel is skimble-scamble numerical value or title, for the ease of the number in step 205
Data-Statistics quantify corresponding transaction feature, to improve the computational efficiency of numerical value.
For example, cash keeps accounts, total total stroke count of stroke count/transaction is more than a preset numerical value, such as 8, it is determined that is handed over to be abnormal
Easily, early warning is carried out, the present invention is to be not specifically limited in the dust.
204a, if desired quantify, then to the user account information, type of transaction, transaction spot, transaction currency type, use
Family enchashment behavior, user access accounting, transaction channel quantifies, and according to the user account information and transaction class after quantization
Type, transaction spot, transaction currency type, user's enchashment behavior, user accesses accounting, transaction channel determines transaction feature.
For the embodiment of the present invention, corresponding quantization can be carried out to ratio, in advance according to preset quantization list
If quantization list include different user account information, different type of transaction, different transaction spots, different friendships
Easy currency type, different user's enchashment behaviors, different users access accounting, the corresponding quantization number of different transaction channels
Value, so that it is guaranteed that the consistency in quantizing process, the numerical value that the concrete numerical value after quantization may act as transaction feature carries out
Numerical statistic.
For the embodiment of the present invention, if the step 204b arranged side by side with step 204a, need not quantify, according to the user
Account information is determined directly as abnormal transaction.
It should be noted that generally for that need not quantify to refer to high-risk area, transaction, or have determined as exception
The Transaction Information of user, for example, setting Iraq as high-risk area, then spot of merchandising in the monitoring information got is
When Iraq, abnormal transaction is directly determined as according to user account information, you can to determine user from user account information
Identity information, to reduce the risk merchandised extremely.
For example, since abnormal enchashment transaction commonly takes place in abnormal place, or abnormal transaction currency type etc., because
This needs to extract the transaction record of client, to judge with the presence or absence of the pre-set feelings in quantization list
Condition, as the identity characteristic of client directly judges whether that early warning includes：User sources high risk state multiple in terrorist activity, sensitive
Family or regional personnel, i.e. inquiring customer information table identity card are sensitive country with 65 start or nationalities；User's name is at 8
It is more than byte (containing), i.e. querying individual table of customer's information customer name length>=8 bytes (4 Chinese characters), are determined as abnormal friendship
Easy user.
205, according to the user account information, type of transaction, transaction spot, transaction currency type, user's enchashment behavior, use
The numerical value for the transaction feature that family access accounting, transaction channel are determined carries out numerical statistic.
For the embodiment of the present invention, in order to accurately determine whether the cross-border transaction user of monitoring is the use merchandised extremely
Family then needs to consider each transaction feature, i.e., counts a numerical value according to the numerical value of each transaction feature, so as to
It is determined whether as abnormal transaction according to the numerical value of statistics.
For the embodiment of the present invention, step 205 can specifically include：According to transaction spot, transaction currency type, user account
Information, user access accounting, user's enchashment behavior, transaction channel, type of transaction sequence to configuring and default system the numerical value
It counts in formula, obtains statistical result, the default statistical formula is A=a1+0.8a2+0.6a3+0.4a4+0.2a5+0.1a6+
0.05a7, wherein the A is numerical statistic as a result, a1For the numerical value for spot of merchandising, a2For the numerical value for currency type of merchandising, a3For
The numerical value of user account information, a4The numerical value of accounting, a are accessed for user5Numerical value, a for user's enchashment behavior6For transaction channel
Numerical value, a7For the numerical value of type of transaction.
It should be noted that in order to embody user account information, type of transaction, transaction spot, transaction currency type, Yong Huqu
It is existing be, user accesses accounting, the different significance levels between transaction channel when carrying out numerical statistic, according to transaction generation
Ground, transaction currency type, user account information, user access accounting, user's enchashment behavior, transaction channel, type of transaction sequence to each
The numerical value of a transaction feature is ranked up, to which the slave a in statistical formula is preset in matching1To a7Weights, obtain with merchandise occur
Ground, transaction currency type, user account information, user access accounting, user's enchashment behavior, transaction channel, type of transaction weights successively
The statistical result of reduction.
206, whether preset abnormal transaction threshold is more than according to the result judgement of statistics.
For the embodiment of the present invention, in order to carry out overall assessment to the result of statistics, the preset abnormal transaction threshold is
There is the general status merchandised extremely according to history and sets, since the result of statistics is concrete numerical value always, preset
It is also the numerical value more than 0 to merchandise preset, can be 20,50 etc., the embodiment of the present invention is not specifically limited.
207, if more than preset abnormal transaction threshold, then according in the user account information user identity and user
The transaction spot prediction occurring information of last enchashment.
It is true more than the monitoring cross-border transaction user of preset abnormal transaction threshold in order to will determine that out for the embodiment of the present invention
It is set to the user to merchandise extremely, to accurately find the user for being abnormal transaction, needs to provide early warning to bank or monitoring side,
In order to accurately find the information for abnormal trade user occur, subscriber identity information can be extracted according to user account information, and
The transaction spot of user's last enchashment, so as to determine user's the last time utilize ATM cash withdrawal position, if for example, according to
The user that family account information determines is the personnel that the police order to arrest, then the transaction spot of last enchashment can be utilized to determine and order to arrest people
Member position, or directly freezed according to user account information, the embodiment of the present invention is not specifically limited.
For the embodiment of the present invention, if no more than preset abnormal transaction threshold, return to step 201 carries out continuing to monitor.
The present invention provides another kinds based on the cross-border determination method merchandised extremely of ATM, and the embodiment of the present invention is by obtaining
Take from ATM carry out enchashment user user account information and historical transactional information transaction feature come, first determine the need for into
Row quantization, if desired quantifies, then can carry out statistical result to the transaction feature after quantization by presetting statistical formula, further according to
Statistical result judges whether to be more than that preset abnormal transaction is preset, determines the abnormal transaction for carrying out cross-border transaction using ATM, increases
Accurate judgement to merchandising extremely predefines out user account information, type of transaction, transaction spot, transaction currency type, uses
Family enchashment behavior, user, which access, has abnormal transaction in accounting, transaction channel, screening further goes out exception occurred
The first and second of situation simplify the deterministic process merchandised extremely, to improve the cross-border accuracy and high efficiency merchandised extremely.
Further, as the realization to method shown in above-mentioned Fig. 1, an embodiment of the present invention provides a kind of based on ATM's
The cross-border determining device merchandised extremely, as shown in figure 3, the device includes：Acquiring unit 31, judging unit 32, determination unit 33.
Acquiring unit 31, for obtained by the background system of ATM the user account information of monitoring cross-border transaction user with
And historical transactional information；
Judging unit 32, for being determined whether according to the transaction feature of the user account information and historical transactional information
Meet preset abnormal terms of trade, the preset abnormal terms of trade include the different transaction features configured according to different importance
Exceptional condition when in abnormal merchandising；
If determination unit 33 generates the monitoring cross-border transaction user for meeting preset abnormal terms of trade
Transaction is determined as cross-border abnormal transaction.
The cross-border determining device merchandised extremely based on ATM that the present invention provides a kind of, with existing cross-border ATM cash withdrawal according to
The identity information limited area of client fixes threshold values by relevant feature-sets such as transaction amount, the transaction frequencys, different to determine
Often transaction is compared, and the embodiment of the present invention carries out the user account information and historical transactional information of enchashment user by obtaining from ATM
Transaction feature to determine whether meet the abnormal terms of trade of different importance, determine that ATM is utilized to carry out cross-border transaction
Abnormal transaction, increases the accurate judgement to merchandising extremely, can be directed to different monitoring objects according to different exceptional condition into
Row judges, to improve the cross-border accuracy and high efficiency merchandised extremely.
Further, as the realization to method shown in above-mentioned Fig. 2, an embodiment of the present invention provides another kinds to be based on ATM
The cross-border determining device merchandised extremely, as shown in figure 4, the device includes：Acquiring unit 41, judging unit 42, determination unit
43, quantifying unit 44, transmission unit 45.
Acquiring unit 41, for obtained by the background system of ATM the user account information of monitoring cross-border transaction user with
And historical transactional information；
Judging unit 42, for being determined whether according to the transaction feature of the user account information and historical transactional information
Meet preset abnormal terms of trade, the preset abnormal terms of trade include the different transaction features configured according to different importance
Exceptional condition when in abnormal merchandising；
If determination unit 43 generates the monitoring cross-border transaction user for meeting preset abnormal terms of trade
Transaction is determined as cross-border abnormal transaction.Further, the historical transactional information includes type of transaction, transaction spot, transaction
Currency type, user's enchashment behavior, user access accounting, transaction channel.
Further, described device further includes：Quantifying unit 44,
The judging unit 42 is additionally operable to judge the user account information, type of transaction, transaction spot, transaction coin
Kind, user's enchashment behavior, user access accounting, whether transaction channel needs quantifies；
The quantifying unit 44 then occurs the user account information, type of transaction, transaction for if desired quantifying
Ground, transaction currency type, user's enchashment behavior, user accesses accounting, transaction channel quantifies, and according to the user account after quantization
Information and type of transaction, transaction spot, transaction currency type, user's enchashment behavior, user accesses accounting, transaction channel is determined
Transaction feature；
If the determination unit 43 is determined directly as exception for that need not quantify according to the user account information
Transaction.
Further, the judging unit 42 includes：
Statistical module 4201, for according to the user account information, type of transaction, transaction spot, transaction currency type, use
Family enchashment behavior, user access accounting, the numerical value for the transaction feature that transaction channel is determined carries out numerical statistic；
Judgment module 4202, for whether being more than preset abnormal transaction threshold according to the result judgement of statistics.
Further, the statistical module 4201 is specifically used for believing according to transaction spot, transaction currency type, user account
Breath, user access accounting, user's enchashment behavior, transaction channel, type of transaction sequence to configuring and default statistics the numerical value
In formula, statistical result is obtained, and judge whether more than preset abnormal transaction threshold, the default system according to the statistical result
Meter formula is A=a1+0.8a2+0.6a3+0.4a4+0.2a5+0.1a6+0.05a7, wherein the A is numerical statistic as a result, a1
For the numerical value for spot of merchandising, a2For the numerical value for currency type of merchandising, a3For the numerical value of user account information, a4Accounting is accessed for user
Numerical value, a5Numerical value, a for user's enchashment behavior6For the numerical value of transaction channel, a7For the numerical value of type of transaction.
Further, the determination unit 43 is specifically used for if more than preset abnormal transaction threshold, then according to the user
The transaction spot prediction occurring information of user identity and user's last enchashment in account information.
Further, described device further includes：
Transmission unit 45, for sending prison to the ATM background systems positioned at different monitoring places according to prefixed time interval
Control information acquisition request.
The cross-border determining device merchandised extremely based on ATM that the present invention provides another kinds, the embodiment of the present invention is by obtaining
Take from ATM carry out enchashment user user account information and historical transactional information transaction feature come, first determine the need for into
Row quantization, if desired quantifies, then can carry out statistical result to the transaction feature after quantization by presetting statistical formula, further according to
Statistical result judges whether to be more than that preset abnormal transaction is preset, determines the abnormal transaction for carrying out cross-border transaction using ATM, increases
Accurate judgement to merchandising extremely predefines out user account information, type of transaction, transaction spot, transaction currency type, uses
Family enchashment behavior, user, which access, has abnormal transaction in accounting, transaction channel, screening further goes out exception occurred
The first and second of situation simplify the deterministic process merchandised extremely, to improve the cross-border accuracy and high efficiency merchandised extremely.
A kind of storage medium is provided according to an embodiment of the present invention, and it is executable that the storage medium is stored at least one
Instruction, the computer executable instructions can perform the cross-border abnormal transaction based on ATM in above-mentioned any means embodiment really
Determine method.
Fig. 5 shows that a kind of structural schematic diagram of the terminal provided according to an embodiment of the present invention, the present invention are specifically real
Example is applied not limit the specific implementation of terminal.
As shown in figure 5, the terminal may include：Processor (processor) 502, communication interface (Communications
Interface) 504, memory (memory) 506 and communication bus 508.
Wherein：Processor 502, communication interface 504 and memory 506 complete mutual lead to by communication bus 508
Letter.
Communication interface 504, for being communicated with the network element of miscellaneous equipment such as client or other servers etc..
Processor 502 can specifically execute the above-mentioned cross-border determination merchandised extremely based on ATM for executing program 510
Correlation step in embodiment of the method.
Specifically, program 510 may include program code, which includes computer-managed instruction.
Processor 502 may be central processor CPU or specific integrated circuit ASIC (Application
Specific Integrated Circuit), or be arranged to implement the integrated electricity of one or more of the embodiment of the present invention
Road.The one or more processors that terminal includes can be same type of processor, such as one or more CPU；Can also be
Different types of processor, such as one or more CPU and one or more ASIC.
Memory 506, for storing program 510.Memory 506 may include high-speed RAM memory, it is also possible to further include
Nonvolatile memory (non-volatile memory), for example, at least a magnetic disk storage.
Program 510 specifically can be used for so that processor 502 executes following operation：
The user account information and historical transactional information of monitoring cross-border transaction user are obtained by the background system of ATM；
Determined whether to meet preset abnormal friendship according to the transaction feature of the user account information and historical transactional information
Easy condition, the preset abnormal terms of trade include when being in abnormal transaction according to the different transaction features that different importance configure
Exceptional condition；
If meeting preset abnormal terms of trade, the transaction that the monitoring cross-border transaction user generates is determined as cross-border different
Often transaction.
Algorithm and display be not inherently related to any certain computer, virtual system or miscellaneous equipment provided herein.
Various general-purpose systems can also be used together with teaching based on this.As described above, it constructs required by this kind of system
Structure be obvious.In addition, the present invention is not also directed to any certain programmed language.It should be understood that can utilize various
Programming language realizes the content of invention described herein, and the description done above to language-specific is to disclose this hair
Bright preferred forms.
In the instructions provided here, numerous specific details are set forth.It is to be appreciated, however, that the implementation of the present invention
Example can be put into practice without these specific details.In some instances, well known method, structure is not been shown in detail
And technology, so as not to obscure the understanding of this description.
Similarly, it should be understood that in order to simplify the disclosure and help to understand one or more of each inventive aspect,
Above in the description of exemplary embodiment of the present invention, each feature of the invention is grouped together into single implementation sometimes
In example, figure or descriptions thereof.However, the method for the disclosure should be construed to reflect following intention：It is i.e. required to protect
Shield the present invention claims the more features of feature than being expressly recited in each claim.More precisely, as following
Claims reflect as, inventive aspect is all features less than single embodiment disclosed above.Therefore,
Thus the claims for following specific implementation mode are expressly incorporated in the specific implementation mode, wherein each claim itself
All as a separate embodiment of the present invention.
Those skilled in the art, which are appreciated that, to carry out adaptively the module in the equipment in embodiment
Change and they are arranged in the one or more equipment different from the embodiment.It can be the module or list in embodiment
Member or component be combined into a module or unit or component, and can be divided into addition multiple submodule or subelement or
Sub-component.Other than such feature and/or at least some of process or unit exclude each other, it may be used any
Combination is disclosed to all features disclosed in this specification (including adjoint claim, abstract and attached drawing) and so to appoint
Where all processes or unit of method or equipment are combined.Unless expressly stated otherwise, this specification (including adjoint power
Profit requires, abstract and attached drawing) disclosed in each feature can be by providing the alternative features of identical, equivalent or similar purpose come generation
It replaces.
In addition, it will be appreciated by those of skill in the art that although some embodiments described herein include other embodiments
In included certain features rather than other feature, but the combination of the feature of different embodiments means in of the invention
Within the scope of and form different embodiments.For example, in the following claims, embodiment claimed is appointed
One of meaning mode can use in any combination.
The all parts embodiment of the present invention can be with hardware realization, or to run on one or more processors
Software module realize, or realized with combination thereof.It will be understood by those of skill in the art that can use in practice
Microprocessor or digital signal processor (DSP) realize the cross-border abnormal transaction according to the ... of the embodiment of the present invention based on ATM
Determination method and device in some or all components some or all functions.The present invention is also implemented as being used for
Some or all equipment or program of device of method as described herein are executed (for example, computer program and calculating
Machine program product).It is such to realize that the program of the present invention may be stored on the computer-readable medium, or there are one can having
Or the form of multiple signals.Such signal can be downloaded from internet website and be obtained, or be provided on carrier signal,
Or it provides in any other forms.
It should be noted that the present invention will be described rather than limits the invention for above-described embodiment, and ability
Field technique personnel can design alternative embodiment without departing from the scope of the appended claims.In the claims,
Any reference mark between bracket should not be configured to limitations on claims.Word "comprising" does not exclude the presence of not
Element or step listed in the claims.Word "a" or "an" before element does not exclude the presence of multiple such
Element.The present invention can be by means of including the hardware of several different elements and being come by means of properly programmed computer real
It is existing.In the unit claims listing several devices, several in these devices can be by the same hardware branch
To embody.The use of word first, second, and third does not indicate that any sequence.These words can be explained and be run after fame
Claim.
Claims (10)
1. a kind of cross-border determination method merchandised extremely based on ATM, which is characterized in that including：
The user account information and historical transactional information of monitoring cross-border transaction user are obtained by the background system of ATM；
Determined whether to meet preset abnormal transaction item according to the transaction feature of the user account information and historical transactional information
Part, the preset abnormal terms of trade include different when being in abnormal transaction according to the different transaction features that different importance configure
Normal condition；
If meeting preset abnormal terms of trade, the transaction that the monitoring cross-border transaction user generates is determined as cross-border abnormal friendship
Easily.
2. according to the method described in claim 1, it is characterized in that, the historical transactional information includes type of transaction, transaction hair
Radix Rehmanniae, transaction currency type, user's enchashment behavior, user access accounting, transaction channel.
3. according to the method described in claim 2, it is characterized in that, described according to the user account information and historical trading
Before the transaction feature of information judges whether to meet preset abnormal terms of trade, the method further includes：
Judge that the user account information, type of transaction, transaction spot, transaction currency type, user's enchashment behavior, user's access account for
Than, whether transaction channel needs quantifies；
If desired quantify, then to the user account information, type of transaction, transaction spot, transaction currency type, user's enchashment row
Access accounting for, user, transaction channel quantifies, and according to after quantization user account information and type of transaction, transaction
Spot, transaction currency type, user's enchashment behavior, user accesses accounting, transaction channel determines transaction feature；
If need not quantify, abnormal transaction is determined directly as according to the user account information.
4. according to the method described in claim 3, it is characterized in that, described according to the user account information and historical trading
The transaction feature of information judges whether that meeting preset abnormal terms of trade includes：
It is accounted for according to the user account information, type of transaction, transaction spot, transaction currency type, user's enchashment behavior, user's access
The numerical value for the transaction feature determined than, transaction channel carries out numerical statistic；
Whether it is more than preset abnormal transaction threshold according to the result judgement of statistics.
5. according to the method described in claim 4, it is characterized in that, described according to the user account information, type of transaction, friendship
Easy spot, transaction currency type, user's enchashment behavior, user access accounting, the transaction feature that transaction channel is determined numerical value into
Line number Data-Statistics include：
According to transaction spot, transaction currency type, user account information, user access accounting, user's enchashment behavior, transaction channel,
For type of transaction sequence in numerical value configuration and default statistical formula, will obtain statistical result, the default statistical formula is A
=a1+0.8a2+0.6a3+0.4a4+0.2a5+0.1a6+0.05a7, wherein the A is numerical statistic as a result, a1It is sent out for transaction
The numerical value of Radix Rehmanniae, a2For the numerical value for currency type of merchandising, a3For the numerical value of user account information, a4The numerical value of accounting, a are accessed for user5
Numerical value, a for user's enchashment behavior6For the numerical value of transaction channel, a7For the numerical value of type of transaction.
6., will be described according to the method described in claim 5, it is characterized in that, if described meet preset abnormal terms of trade
The transaction that monitoring cross-border transaction user generates is determined as cross-border abnormal transaction：
If more than preset abnormal transaction threshold, then according in the user account information user identity and user's last enchashment
Transaction spot prediction occurring information.
7. according to claim 1-6 any one of them methods, which is characterized in that the background system by ATM obtains prison
It surveys before the user account information and historical transactional information of cross-border transaction user, the method further includes：
Monitoring information is sent to the ATM background systems positioned at different monitoring places obtain request according to prefixed time interval.
8. a kind of cross-border determining device merchandised extremely based on ATM, which is characterized in that including
Acquiring unit, user account information and history for obtaining monitoring cross-border transaction user by the background system of ATM
Transaction Information；
Judging unit, it is pre- for determining whether to meet according to the transaction feature of the user account information and historical transactional information
Abnormal terms of trade are set, the preset abnormal terms of trade include being in different according to the different transaction features that different importance configure
Often exceptional condition when transaction；
Determination unit, if for meeting preset abnormal terms of trade, the transaction that the monitoring cross-border transaction user is generated is true
It is set to cross-border abnormal transaction.
9. a kind of storage medium, it is stored with an at least executable instruction in the storage medium, the executable instruction makes processing
Device executes the cross-border corresponding operation of determination method merchandised extremely based on ATM as described in any one of claim 1-7.
10. a kind of terminal, including：Processor, memory, communication interface and communication bus, the processor, the memory and
The communication interface completes mutual communication by the communication bus；
The memory makes the processor execute as right is wanted for storing an at least executable instruction, the executable instruction
Ask the cross-border corresponding operation of determination method merchandised extremely based on ATM described in any one of 1-7.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810458743.1A CN108682088A (en) | 2018-05-14 | 2018-05-14 | ATM-based cross-border abnormal transaction determination method and device |
| PCT/CN2018/093822 WO2019218432A1 (en) | 2018-05-14 | 2018-06-29 | Abnormal cross-border transaction determination method and apparatus, terminal and storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810458743.1A CN108682088A (en) | 2018-05-14 | 2018-05-14 | ATM-based cross-border abnormal transaction determination method and device |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN108682088A true CN108682088A (en) | 2018-10-19 |
Family
ID=63806317
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201810458743.1A Pending CN108682088A (en) | 2018-05-14 | 2018-05-14 | ATM-based cross-border abnormal transaction determination method and device |
Country Status (2)
| Country | Link |
|---|---|
| CN (1) | CN108682088A (en) |
| WO (1) | WO2019218432A1 (en) |
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109978692A (en) * | 2019-03-28 | 2019-07-05 | 上海诺融信息科技有限公司 | Information processing method and device based on financial big data |
| CN110009365A (en) * | 2019-01-23 | 2019-07-12 | 腾讯科技（深圳）有限公司 | User group's detection method, device and the equipment of improper transfer electronic asset |
| CN111127030A (en) * | 2019-12-31 | 2020-05-08 | 中国银行股份有限公司 | Transaction early warning method, device and equipment |
| CN112037026A (en) * | 2020-09-01 | 2020-12-04 | 中国银行股份有限公司 | Automatic abnormal transaction work order processing method, device and system |
| CN112801800A (en) * | 2021-04-14 | 2021-05-14 | 深圳格隆汇信息科技有限公司 | Behavior fund analysis system, behavior fund analysis method, computer equipment and storage medium |
Citations (13)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101236638A (en) * | 2008-02-20 | 2008-08-06 | 中国工商银行股份有限公司 | Web based bank card risk monitoring method and system |
| CN101714273A (en) * | 2009-05-26 | 2010-05-26 | 北京银丰新融科技开发有限公司 | Rule engine-based method and system for monitoring exceptional service of bank |
| CN102405481A (en) * | 2009-03-19 | 2012-04-04 | 维萨美国公司 | Account activity alert |
| CN103049851A (en) * | 2012-12-27 | 2013-04-17 | 中国建设银行股份有限公司 | Transaction data-based anti-fraud monitoring method and device |
| CN104106276A (en) * | 2011-10-12 | 2014-10-15 | 施萨姆公司 | Multi-tiered secure mobile transactions enabling platform |
| CN104813355A (en) * | 2012-08-27 | 2015-07-29 | Y-S·宋 | Transaction Monitoring System |
| WO2016018210A1 (en) * | 2014-07-28 | 2016-02-04 | Hewlett-Packard Development Company, L.P. | Detection of abnormal transaction loops |
| CN106340138A (en) * | 2016-08-23 | 2017-01-18 | 深圳怡化电脑股份有限公司 | Transaction behavior detection method and device |
| CN106547838A (en) * | 2016-10-14 | 2017-03-29 | 北京银丰新融科技开发有限公司 | Method based on the suspicious funds transaction of fund network monitor |
| CN106548343A (en) * | 2016-10-21 | 2017-03-29 | 中国银联股份有限公司 | A kind of illegal transaction detection method and device |
| US20170148096A1 (en) * | 2010-12-10 | 2017-05-25 | Elasticsearch, Inc. | Method and Apparatus for Detecting Rogue Trading Activity |
| CN106780024A (en) * | 2016-11-30 | 2017-05-31 | 东软集团股份有限公司 | Transaction method for monitoring abnormality and device |
| CN106897931A (en) * | 2016-06-12 | 2017-06-27 | 阿里巴巴集团控股有限公司 | A kind of recognition methods of abnormal transaction data and device |
Family Cites Families (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104867011A (en) * | 2014-02-21 | 2015-08-26 | 中国电信股份有限公司 | Method and device for carrying out safety control on mobile payment |
| CN106991145B (en) * | 2017-03-23 | 2021-03-23 | 中国银联股份有限公司 | Data monitoring method and device |
| CN107862600A (en) * | 2017-10-24 | 2018-03-30 | 深圳四方精创资讯股份有限公司 | Bank transfer method and its system based on block chain |
| CN107918905B (en) * | 2017-11-22 | 2021-10-15 | 创新先进技术有限公司 | Abnormal transaction identification method and device and server |
-
2018
- 2018-05-14 CN CN201810458743.1A patent/CN108682088A/en active Pending
- 2018-06-29 WO PCT/CN2018/093822 patent/WO2019218432A1/en active Application Filing
Patent Citations (13)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101236638A (en) * | 2008-02-20 | 2008-08-06 | 中国工商银行股份有限公司 | Web based bank card risk monitoring method and system |
| CN102405481A (en) * | 2009-03-19 | 2012-04-04 | 维萨美国公司 | Account activity alert |
| CN101714273A (en) * | 2009-05-26 | 2010-05-26 | 北京银丰新融科技开发有限公司 | Rule engine-based method and system for monitoring exceptional service of bank |
| US20170148096A1 (en) * | 2010-12-10 | 2017-05-25 | Elasticsearch, Inc. | Method and Apparatus for Detecting Rogue Trading Activity |
| CN104106276A (en) * | 2011-10-12 | 2014-10-15 | 施萨姆公司 | Multi-tiered secure mobile transactions enabling platform |
| CN104813355A (en) * | 2012-08-27 | 2015-07-29 | Y-S·宋 | Transaction Monitoring System |
| CN103049851A (en) * | 2012-12-27 | 2013-04-17 | 中国建设银行股份有限公司 | Transaction data-based anti-fraud monitoring method and device |
| WO2016018210A1 (en) * | 2014-07-28 | 2016-02-04 | Hewlett-Packard Development Company, L.P. | Detection of abnormal transaction loops |
| CN106897931A (en) * | 2016-06-12 | 2017-06-27 | 阿里巴巴集团控股有限公司 | A kind of recognition methods of abnormal transaction data and device |
| CN106340138A (en) * | 2016-08-23 | 2017-01-18 | 深圳怡化电脑股份有限公司 | Transaction behavior detection method and device |
| CN106547838A (en) * | 2016-10-14 | 2017-03-29 | 北京银丰新融科技开发有限公司 | Method based on the suspicious funds transaction of fund network monitor |
| CN106548343A (en) * | 2016-10-21 | 2017-03-29 | 中国银联股份有限公司 | A kind of illegal transaction detection method and device |
| CN106780024A (en) * | 2016-11-30 | 2017-05-31 | 东软集团股份有限公司 | Transaction method for monitoring abnormality and device |
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110009365A (en) * | 2019-01-23 | 2019-07-12 | 腾讯科技（深圳）有限公司 | User group's detection method, device and the equipment of improper transfer electronic asset |
| CN110009365B (en) * | 2019-01-23 | 2021-07-06 | 腾讯科技（深圳）有限公司 | User group detection method, device and equipment for abnormally transferring electronic assets |
| CN109978692A (en) * | 2019-03-28 | 2019-07-05 | 上海诺融信息科技有限公司 | Information processing method and device based on financial big data |
| CN111127030A (en) * | 2019-12-31 | 2020-05-08 | 中国银行股份有限公司 | Transaction early warning method, device and equipment |
| CN112037026A (en) * | 2020-09-01 | 2020-12-04 | 中国银行股份有限公司 | Automatic abnormal transaction work order processing method, device and system |
| CN112801800A (en) * | 2021-04-14 | 2021-05-14 | 深圳格隆汇信息科技有限公司 | Behavior fund analysis system, behavior fund analysis method, computer equipment and storage medium |
Also Published As
| Publication number | Publication date |
|---|---|
| WO2019218432A1 (en) | 2019-11-21 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN108682088A (en) | ATM-based cross-border abnormal transaction determination method and device | |
| CN108133372B (en) | Method and device for evaluating payment risk | |
| US7620596B2 (en) | Systems and methods for evaluating financial transaction risk | |
| US8170998B2 (en) | Methods, systems, and computer program products for estimating accuracy of linking of customer relationships | |
| CN106384273A (en) | Malicious order scalping detection system and method | |
| US20030177087A1 (en) | Transaction surveillance | |
| CN108932585A (en) | A kind of trade company's operation management method and its equipment, storage medium, electronic equipment | |
| EP1436752A1 (en) | Method and system for processing a transaction | |
| CN110335044A (en) | Payment risk method of calibration, device, computer equipment and storage medium | |
| EP2689384A1 (en) | An automated fraud detection method and system | |
| CN106506454A (en) | Fraud business recognition method and device | |
| KR20080105146A (en) | Lowest cost network routing for electronic transactions | |
| CN111951091A (en) | Transaction flow reconciliation method, system and related equipment | |
| CN101236638A (en) | Web based bank card risk monitoring method and system | |
| US20140244487A1 (en) | Fund Transfer Using Near Field Communication | |
| CN109377214A (en) | A kind of method of payment, computer readable storage medium and server | |
| CN113487407B (en) | Data processing method, device and electronic equipment | |
| Álvez et al. | The cost of using cash and checks in Uruguay | |
| CN108876105A (en) | A kind of transaction risk control method and device | |
| CN111612991A (en) | ATM maintenance method and device | |
| Kredina et al. | Assessing the relationship between non-cash payments and various economic indicators | |
| Cole et al. | Can Bitcoin be Trusted? Quantifying the economic value of blockchain transactions | |
| CN109360085A (en) | A kind of bank client responsible investigation method and system | |
| CN116228431A (en) | Abnormal transaction account determination method and device and electronic equipment | |
| CN115062079A (en) | Transaction flow processing method, device, equipment and storage medium |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20181019 |