Be wary of how the new digital RMB fraud financial institutions trace the control measures.

Recently, criminals took advantage of some ordinary people's lack of understanding of digital RMB and wanted to actively participate in it. Under the banner of "digital RMB", they constantly use renovation tricks to cheat, resulting in property losses and information leakage.

Facing the new situation, as an important participant of digital RMB, what should financial institutions do in this anti-fraud and anti-money laundering campaign on the basis of increasing anti-fraud publicity to the public?

New topic of safety and risk control

"In view of the new topic of digital RMB fraud risk, commercial banks and payment institutions need to upgrade account front-end identification and verification, merchant information due diligence and transaction terminal security certification, and then improve the monitoring of abnormal capital transactions, especially the real-time screening rules and early warning models for abnormal digital RMB transactions, and strengthen technical means such as account and merchant management to achieve accurate perception and dynamic defense, block suspicious transactions and cut off problematic capital links." Yue Wei, a security expert of Tongdun Technology Industry and an anti-fraud lecturer of Payment and Clearing Association, suggested that commercial banks and payment institutions should focus on the following tasks:

Two. Further strengthen the monitoring of suspicious fund transactions, and set up an intelligent real-time and quasi-real-time detection system according to the abnormal flow direction and abnormal transaction characteristics of money laundering-related funds such as abnormal signing of digital RMB, card binding and recharging, so as to effectively improve the ability to accurately identify risks.

Three. Comprehensively investigate and identify digital RMB related transactions and related counterparty fund accounts, and cut off the payment link of transaction funds in time. In view of the characteristics of high transaction frequency, many accounts and scattered transactions in digital currency, knowledge mapping technology can be introduced for traceability analysis, correlation analysis and series-parallel case analysis to further explore the gangs involved.

"Fundamentally speaking, financial institutions need to strengthen the real-time management and control ability of abnormal capital chains in view of the new risks and new features presented by digital RMB transactions, improve the anti-fraud system of digital RMB transactions, from understanding customers in the early stage, risk identification to transaction control, cutting off fraudulent trading chains, and then to post-event risk rating and adjusting feedback strategies." Read micro said.

KYC trusted system

According to micro-introduction, the recent fraud routine of digital RMB fraud mainly involves defrauding and stealing the victim's personal information, stealing and stealing the user's digital wallet and bank account, and does not rule out illegal acts such as renting, buying other people's mobile phone cards, bank cards/accounts, and digital RMB wallet accounts. In the process of illegal fund transfer through digital RMB wallet, there are often a large number of small funds flowing across banks, which greatly improves the difficulty for banks to identify trading accounts.

In addition, financial institutions can also analyze the characteristics of the card involved, recharge account, personal basic information, related party information, internal and external label information and equipment, mobile phone number, IP risk list, etc. According to its currency-related transaction data and external data, effectively identify currency-related accounts; And whether the trading user has made a risk portrait of usual trading behavior, common equipment, trusted environment, time and so on based on his account, and makes a credible judgment with the help of machine learning model, so as to identify whether the user has stolen brush or unintentional trading behavior.

Monitoring currency-related transactions in digital wallets

Renminbi is based on its dual offline payment, new technology encryption to ensure security and controllable anonymity, and its legal tender itself has strong security technology blessing. The risk prevention of its carrier digital wallet and bank account has become the most important risk prevention and control of this new technology hotspot.

Therefore, the security management of digital RMB wallets, inter-bank fund transfer between digital RMB wallets and inter-bank fund transfer between digital RMB wallets and accounts all require financial institutions to capture more targeted features and monitor abnormal transactions, identify abnormal and suspicious transactions through rules and strategies, and monitor transactions between digital RMB wallets and accounts.

On the basis of effective KYC, trusted system and digital wallet currency-related transaction monitoring, financial institutions should build decision-making systems such as currency-related feature calculation, currency-related rules, model and map analysis through the data supply of big data platform and risk control bazaar, and finally generate a list of trading accounts/merchants in digital currency, cut off the involved capital transactions, complete risk disposal and effect analysis, and feedback the optimization of risk control strategy.

Financial institutions also need to focus on monitoring suspicious "collection accounts" in combination with the characteristics of illegal fund transfer transactions, because in many problematic transactions, the transferor or payee often changes the "vest" account or falsely recharges the payment transactions. Avoid the risk control of banks. Therefore, banks and payment institutions need to further establish a risk list database of illegal fund transfer transactions and implement "zero tolerance" for illegal trading accounts.

Introduce knowledge map technology, follow the map and strengthen the traceability of capital chain.

Many money-related fraudulent fund transactions are gang behaviors, and the upstream and downstream division of labor is clear. Financial institutions need to guard against online gambling, money laundering and other gangs' fraud on digital RMB. Therefore, Wei Wei suggested that financial institutions should combine knowledge mapping technology to conduct gang detection such as deep mining, traceability analysis and correlation analysis on upstream and downstream accounts involving money.

Knowledge map can help financial institutions to build a complex entity network based on data analysis and scenario analysis, and apply the abnormal relationship and risk feature model to the knowledge map, so as to dynamically calculate the spread path, spread results and influencing factors of risks, and effectively tap the potential risks of digital currency transactions.

Introduce risk awareness system

In addition to paying attention to the relationship between digital currency, wallet and financial system and taking measures such as "stopping payment", financial institutions can also actively learn and identify unknown abnormal events to sniff out potential risk fraud patterns in currency-related transactions. Terminal security risk situation awareness system, based on equipment fingerprint technology and network data, combined with big data processing technology, business knowledge precipitation and AI algorithm model, can actively lock the new risk sources that threaten existing systems and information, and realize the full closed-loop link of active risk awareness, detection, defense, visualization, linkage and traceability of the whole network.

At present, the RMB is still in the early pilot stage, and the ecological defense system is still in the process of continuous improvement. Tongdun Technology said that it will continue to explore and research, and constantly provide more perfect financial business security solutions for financial institutions.

Related Q&A: How to open a digital RMB wallet Hello, 1 Users need to download the digital RMB wallet APP (version number: V.2. 1. 1), then enter the digital RMB wallet opening interface and click Apply on the interface. After passing the audit, users can enter the applet used in the application and set the wallet payment password and wallet name. After handling the above steps, the user can open the payment channel or pay the QR code according to the relevant information. Operating environment: iPhone1115.0. First, download the digital RMB wallet APP (version number: V.2. 1. 1), then enter the opening interface of the digital RMB wallet and click Apply. According to national regulations, digital RMB wallets can be divided into personal digital wallets and corporate digital wallets. However, users need to understand that the same natural person can only open a real-name wallet, and there are different restrictions on the payment limit and holding balance. For most users, in order to ensure the safety of personal funds, it is best not to apply for some services casually. Users should note that users who want to use digital RMB can apply for opening it through a bank account or through a wallet service provider. If you pass a bank account, you need to authenticate the identity of the applicant. In the successful login information, you only need to bind the bank account with digital currency wallet. If you apply for opening through a wallet service provider, you can bind the bank card and open it directly. : 1. What is a digital RMB wallet 1? Mu Changchun said that the digital RMB wallet is the carrier of digital RMB. On the premise of centralized management, unified cognition and anti-counterfeiting, we have developed the wallet ecological platform with various operating agencies in a way of * * * co-construction and * * * sharing, managed wallets and verified the authenticity of digital RMB, and realized their own visual systems and distinctive functions. 2. Through the ecological construction of digital RMB wallet, the online and offline full-scene use of digital RMB can be realized, which can meet the differentiated needs of users with multi-subjects, multi-levels, multi-categories and multi-forms, ensure the inclusiveness of digital RMB wallet, and avoid obstacles caused by technical literacy or dependence on communication networks. According to different dimensions, digital RMB wallets have the following types: 3. According to the intensity of customer identification, they are divided into different grades of wallets. Operating institutions identify customers, manage digital RMB wallets at different levels according to the intensity of customer identification, and give different transaction limits and balance limits to various wallets according to the strength of real names. The four types of digital RMB wallets with the lowest authority belong to anonymous wallets, with a balance limit of 1 1,000 yuan, a single payment limit of 2,000 yuan and a daily cumulative payment limit of 5,000 yuan. 4. According to the open subject, it is divided into personal wallet and corporate wallet. Natural persons and individual industrial and commercial households can open personal wallets and adopt classified transactions and balance limit management according to the corresponding customer identification intensity; Other legal persons and unincorporated institutions can open legal person wallets, and determine the transaction and balance limit according to whether it is opened at the counter or remotely. The wallet function can be customized according to the needs of users.