创新业务流程打击金融诈骗

发布时间：2018-04-30 02:19

本文选题：副账户 + T+　；参考：《金融理论与实践》2011年12期

【摘要】：针对目前电信金融诈骗犯罪往往采用通过银行转账,ATM分散取款的作案手段,提出了在银行业务流程上增加主、副账户和在转账交易中引入T+1限制的办法堵住销赃渠道,可以有效遏制此类犯罪案件的滋生。在此基础上,提出捕捉和监控疑似犯罪的交易信息,建立金融数据溯源平台,从而在技术上为报案侦查和追回损失提供了支撑条件,震慑金融诈骗犯罪的企图。最后讨论了基于数据抽取平台的金融数据溯源系统的技术架构。
[Abstract]:In view of the fact that the current telecom financial fraud crime often adopts the means of decentralized withdrawal through bank transfer and ATM, this paper puts forward the method of increasing the master and subsidiary account in the bank business process and introducing the T1 restriction in the transfer transaction to block the channels for the sale of stolen goods. It can effectively curb the breeding of such criminal cases. On this basis, this paper proposes to capture and monitor the transaction information of the suspected crime, and establish a financial data traceability platform, which provides the supporting conditions for the reporting of the crime to investigate and recover the losses, and deter the attempt of the financial fraud crime. Finally, the technical framework of financial data traceability system based on data extraction platform is discussed.
【作者单位】：太原理工大学信息工程学院;
【分类号】：D631.2;F832.2

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