The Design And Implementation Of E-BANK Transaction Monitoring

With E-banking becoming the most quickly and promising channel for thecurrent world banking development, rapid growth of customer number and transactionscale, will bring the related business risks and the expansion of the scale. Therefore,the higher requirements for risk management is proposed.In this paper, through the establishment of the electronic banking monitoringsystem, can establish a uniform and comprehensive electronic banking monitoringsystem platform which has the ability to carry out risk identification, analysis,identification, control work beforehand and after the transaction. Before thetransaction: Client identity identifying and transaction scene risk monitoringmechanism. During the transaction: Transaction risk identifying, analyzing, screeningand assessment, control mechanism. After the transaction: Transaction authenticityreviewing, comprehensive security analyzing mechanism.The platform is able to access to real-time electronic channel transactioninformation from customers, process the analysis of transaction risk characteristicsand risk early warning, and through the banking system and development interfacerealize the effective intervention on risk transactions.The E-banking monitoring system could provide convenient monitoring servicesand user-friendly interface. Furthermore the monitoring system is completely perfectin user authorization management, data access control, incident auditing and tracing.With building the rules of risk model library, the E-banking monitoring systemcould achieve a comprehensive business risk intelligence investigation, real-timewarning, process risk event handling, to form a comprehensive risk monitoring,tracking processing system mechanism; achieving control rules can be parameterizedto adjust and carry out real-time applications, and inquire and do correlation analysison historical data within a certain time as well as do feature transaction screening inaccordance with regulatory requirements. While off-line data analysis can be done atthe same time. It can be done that carrying out multi-dimensional analysis andstatistics on electronic banking risk warning results of, updating monitoring rules, andforming a dynamic monitoring platform.