本文選題：風險監(jiān)控 + 預警��； 參考：《哈爾濱工業(yè)大學》2016年碩士論文

【摘要】：智能移動終端伴隨著科技的進步也在迅猛的發(fā)展和普及,銀行將重心轉至收單業(yè)務,它的普及對特約商戶也可以帶來很多的便利和利潤。收單業(yè)務給人們帶來便捷的同時,也存在著許多潛在的風險,例如以虛假、不實的資料申請?zhí)丶s商戶的資質;在POS機上轉載側錄儀器,盜用持卡人信息;違反保密協(xié)議泄露賬戶及交易信息;套現、洗單等。本文以昆侖銀行收單交易風險監(jiān)控系統(tǒng)項目為背景,闡述如何通過收單風險監(jiān)控系統(tǒng)對商戶數據進行偵測分析,并且將風險結果進行預警,輔助業(yè)務人員進行決策操作。最終實現對收單風險的監(jiān)控目的。本文將從銀行業(yè)務流程及管理需求的角度為出發(fā)點,對系統(tǒng)進行深層次的分析,同時考慮到實際應用和管理的場景,對系統(tǒng)的技術實現進行考量將Web應用服務整體架構在J2EE平臺之上,按照不同層次分為展現層、服務層、持久層,將使用AJAX和JavaScript等主流方法對前臺應用進行實現,同時用Hibernate來實現數據的穩(wěn)定性訪問。針對數據的分析處理方面,在Linux系統(tǒng)環(huán)境下,采用Unix編程語言與主控服務進行交互,對數據進行批量/準實時的偵測,通過Shell語言發(fā)送文件腳本及啟動進程控制腳本等輔助作用。對于數據的存儲則采用的是DB2數據庫。本課題將以案件管理模塊、風險規(guī)則管理模塊、風控業(yè)務處理模塊以及監(jiān)控工作流模塊等4大模塊為核心,進行深入的探究和討論。案件管理模塊,對報警結果分析頁面顯示的內容,按商戶建案,可以查看詳細信息,查看商戶的入賬類型和該商戶的報警結果分析,并可以對商戶延遲入賬等處理;風險規(guī)則管理模塊,系統(tǒng)需提供規(guī)則制定界面,將規(guī)則制定的必要條件提供錄入界面,主要包括規(guī)則的創(chuàng)建及測試、規(guī)則賦權及報警設置以及規(guī)則的刪除等操作界面;系統(tǒng)管理員可對本系統(tǒng)的用戶及角色進行增刪改查功能,根據用戶所屬機構查看處理不同范疇的信息,對不同角色分配相應的權限;監(jiān)控工作流的管理模塊,偵測系統(tǒng)應提供警報提醒、欺詐確認、核實處理(即,發(fā)送傳真、建案、暫扣、追收調查、調整商戶及終端信息,記錄下是欺詐調查的結論)、備注記錄、效能信息統(tǒng)計等方面的功能支持、效能評估等方面的功能支持。通過本課題的深入探究,完成了對收單風險監(jiān)控系統(tǒng)的既定目標,即完成了各項功能模塊的前期設計預期。目前系統(tǒng)完成各項功能、性能等測試,符合上線要求。系統(tǒng)目前已經投產。
[Abstract]:With the rapid development and popularization of technology, the bank will focus on receiving orders, its popularity can also bring a lot of convenience and profit to special merchants. At the same time, there are many potential risks, such as using false and false information to apply for the qualification of special merchants, reprinting side recording instruments on POS, and stealing information of cardholders. Breach of confidentiality agreement to disclose account and transaction information; cash, washing, etc. In this paper, based on the project of Kunlun Bank, this paper expounds how to detect and analyze the data of merchants through the risk monitoring system, and to warn the risk result to assist the business personnel to make decision. Finally achieve the purpose of monitoring the risk of receipt. From the perspective of banking business process and management requirements, this paper will make a deep analysis of the system, taking into account the practical application and management scenarios. Based on the J2EE platform, Web application services are divided into presentation layer, service layer and persistence layer, which will be implemented by Ajax and JavaScript. At the same time, hibernate is used to realize the stable access of data. In the aspect of data analysis and processing, in Linux system environment, the Unix programming language is used to interact with the main control service, and the data is detected in batches / quasi real time. Sending file scripts and startup process control scripts through shell language. For data storage, the DB2 database is used. This topic will take the case management module, the risk rule management module, the wind control business processing module and the monitoring workflow module as the core, carries on the thorough exploration and the discussion. Case management module, according to the alarm result analysis page display content, according to the business case, can view the detailed information, check the business account type and the business alarm result analysis, and can delay the business account entry and other processing; Risk rule management module, the system needs to provide a rule-making interface, the necessary conditions for rule-making to provide input interface, including rule creation and testing, rule weighting and alarm setting and rule deletion operation interface; The system administrator can add or delete the functions of users and roles of the system, view and process the information of different categories according to the organizations to which the users belong, assign the corresponding authority to different roles, monitor the management module of workflow, The detection system should provide alarm alerts, fraud confirmation, verification processing (i.e., sending faxes, building cases, suspensions, recovery investigations, adjusting merchant and terminal information, recording the findings of fraud investigations), notes, records, Performance information statistics and other aspects of functional support, effectiveness evaluation and other aspects of functional support. Through the in-depth study of this topic, the established goal of the risk monitoring system is completed, that is, the pre-design expectation of each function module is completed. At present, the system completes each function, the performance and so on test, conforms to the on-line request. The system has now been put into production.
【學位授予單位】：哈爾濱工業(yè)大學
【學位級別】：碩士
【學位授予年份】：2016
【分類號】：F832.2;TP311.52

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