TWM661779U - Online financial trading system with personal financial certificate anomaly and risk control - Google Patents

Abstract

An online financial transaction system with personal financial certificate anomaly and risk control includes: a client device, a bank risk control device, a joint data center server and a bank server. The bank server further includes: a financial certificate database, a financial certificate status identification module, a financial certificate risk control module, a joint data acquisition module and a financial transaction service module. The bank server The server is connected to the client device, the bank risk control device and the joint data center server respectively. The financial certificate database is connected to the financial certificate status identification module, the financial certificate status identification module is connected to the financial certificate risk control module, the financial certificate risk control module is connected to the joint data acquisition module, the financial transaction service module is connected to the joint data acquisition module, and the client When the device logs into the bank server, it confirms whether the personal financial credential corresponding to the login information is used abnormally. When it is confirmed that the personal financial credential is used normally and the bank server receives the client identification information and the financial transaction service application from the client device, the risk control of the personal financial credential is performed. When the personal financial credential is identified as being used normally and no risk warning is generated, the personal joint credit information is obtained from the joint credit center server based on the personal financial credential and the bank identification information. The bank server executes the corresponding financial transaction service process for the financial transaction service application based on the personal basic information corresponding to the login information and the personal joint credit information, thereby achieving the technical effect of online financial transaction services with personal financial credential abnormality and risk control.

Description

Online financial trading system with personal financial certificate anomaly and risk control

An online financial transaction service application system, in particular, an online financial transaction system with personal financial credential anomaly and risk control.

With the development of Internet technology, more and more industries provide online services, and the banking industry has gradually developed online financial transaction services. However, banks are restricted by regulations, which requires them to provide a variety of information for online financial transaction services, or obtain joint credit information from external parties before continuing the financial transaction service process.

However, whether it is to proactively provide a variety of data or obtain joint credit data from outside, it often requires additional data processing time, which will cause the application process of online financial transaction services to be extended. In addition, the current online financial transaction services will generate too many transaction breakpoints due to the above reasons, which will reduce the willingness to use online financial transaction services. The existing use of personal financial credentials for online financial transaction services can effectively improve the above problems, but the existing online financial transaction services do not have the control over whether the use of personal financial credentials is abnormal or whether there is a risk. That is, the lack of risk control of abnormal use of personal financial credentials or the use of personal financial credentials on different devices will still generate transaction breakpoints and extend the application process.

In summary, it can be seen that the previous technology has long had the problem of using personal financial credentials for online financial transaction services, lacking in personal financial credentials usage anomalies and risk control, resulting in transaction breakpoints. Therefore, it is necessary to propose improved technical means to solve this problem.

In view of the fact that previous technologies have the problem of too many transaction interruptions in online financial transaction services, which leads to a decrease in the willingness to use online financial transaction services, this work discloses an online financial transaction system with personal financial certificate anomaly and risk control, in which:

The online financial transaction system with personal financial credential anomaly and risk control disclosed in this work includes: a client device, a bank risk control device, a joint verification center server and a bank server. The bank server further includes: a financial credential database, a financial credential status identification module, a financial credential risk control module, a joint verification data acquisition module and a financial transaction service module.

The client device uses the login information to log in to the bank server, provides the client identification information and financial transaction service application, receives and displays personal financial certificate abnormal information from the bank server; the bank risk control device receives risk warnings from the bank server and issues warnings.

The credit center server receives personal financial credentials and bank identification information from the bank server through the Application Programming Interface (API). When the authorization information of the personal financial credentials matches the bank identification information, it queries and generates personal credit information based on the personal financial credentials and provides the personal credit information to the bank server through the API.

The financial credential database of the bank server stores login information and personal financial credentials in correspondence. The personal financial credential further includes credential device identification information, credential serial number information, credential effective date information, credential expiration date information, and authorization information. The financial credential status identification module of the bank server searches the financial credential database for the personal financial credential corresponding to the login information when the client device successfully logs in. When the system date of the bank server exceeds the date range from the effective date information to the expiration date information of the queried personal financial certificate, a personal financial certificate abnormality message is generated and provided to the client device; the financial certificate risk control module of the bank server is when receiving a financial transaction service application from the client device and the financial certificate status identification module identifies that the personal financial certificate is in normal use, The personal financial credential corresponding to the login information is searched in the credential database. When the client identification information is inconsistent with the credential device identification information of the personal financial credential, a risk warning is generated and provided to the bank risk control device. When the financial credential status identification module identifies that the personal financial credential is in normal use and the financial credential risk control module does not generate a risk warning, the bank server's joint data acquisition module generates a risk warning. The user provides personal financial credentials and bank identification information to the Union Credit Information Center server through the application programming interface, and obtains personal Union Credit Information corresponding to the personal financial credentials from the Union Credit Information Center server through the application programming interface; and the financial transaction service module of the bank server executes the corresponding financial transaction service process for the financial transaction service application based on the personal basic information corresponding to the login information and the personal Union Credit Information.

The system disclosed in this invention is as above. When the client device logs into the bank server, it confirms whether the personal financial credential corresponding to the login information is used abnormally. When it is confirmed that the personal financial credential is used normally and the bank server receives the client identification information and the financial transaction service application from the client device, the risk control of the personal financial credential is performed. When the personal financial credential is identified as being used normally and no risk warning is generated, the personal joint credit information is obtained from the joint credit center server based on the personal financial credential and the bank identification information. The bank server executes the corresponding financial transaction service process for the financial transaction service application based on the personal basic information corresponding to the login information and the personal joint credit information.

Through the above-mentioned technical means, this creation can achieve the technical effect of online financial transaction services with personal financial certificate anomalies and risk control.

The following will be used in conjunction with diagrams and embodiments to explain in detail the implementation of this invention, so that the invention can fully understand how to apply technical means to solve technical problems and achieve technical effects and implement them accordingly.

The following first explains the online financial trading system with personal financial certificate anomalies and risk control disclosed in this creation, and please refer to "Figure 1", which shows the system block diagram of the online financial trading system with personal financial certificate anomalies and risk control disclosed in this creation.

The online financial transaction system with personal financial credential anomaly and risk control disclosed in this invention includes: a client device 10, a bank risk control device 20, a joint verification center server 30 and a bank server 40. The bank server 40 further includes: a financial credential database 41, a financial credential status identification module 42, a financial credential risk control module 43, a joint verification data acquisition module 44 and a financial transaction service module 45. The financial credential database 41 of the bank server 40 stores login information and personal financial credentials in correspondence.

Please refer to “Figure 2”, which is a schematic diagram of the structure of online financial transactions with personal financial certificate anomalies and risk control in this creation.

The client device 10 is, for example, a general computer, a laptop, a smart phone, etc. The client device 10 and the bank server 40 are connected via a wired transmission method or a wireless transmission method. The bank risk control device 20 and the bank server 40 are connected via a wired transmission method or a wireless transmission method. The joint collection center server 30 and the bank server 40 are connected via a wired transmission method or a wireless transmission method. The aforementioned wired transmission method is, for example, a cable network, an optical fiber network, etc. The aforementioned wireless transmission method is, for example, Wi-Fi, a mobile communication network (for example, 4G, 5G, etc.). This is only used as an example for illustration, and the application scope of this creation is not limited thereto.

The client device 10 uses login information to log in to the bank server 40. The aforementioned login information is, for example, a combination of an account number, a password and a one-time password (OTP), a combination of credit card information and a one-time password (OTP), a combination of biometric information and a one-time password (OTP), etc. These are merely examples for illustration and are not intended to limit the scope of application of the present invention.

When the client device 10 successfully logs into the bank server 40, the financial certificate status identification module 42 of the bank server 40 searches the financial certificate database 41 of the bank server 40 for the personal financial certificate corresponding to the login information. When the system date of the bank server 40 exceeds the date range from the certificate effective date information to the certificate expiration date information of the searched personal financial certificate, a personal financial certificate abnormality message 51 is generated and provided to the client device 10. The client device 10 receives the personal financial certificate abnormality message 51 from the bank server 40 and displays it, thereby reminding the user that the personal financial certificate is in an abnormal usage state and prompting the user to confirm the personal financial certificate.

Specifically, assuming that the certificate validity date information of the personal financial certificate being queried is "2023/07/01" and the certificate expiration date information is "2024/06/30", and the system date of the bank server 40 is "2024/07/01", the system date of the bank server 40 is "2024/07/01", which is beyond the certificate validity date information. For a date range from "2023/07/01" to "2024/06/30" for the certificate expiration date information, the financial certificate status identification module 42 of the bank server 40 generates a personal financial certificate abnormality message 51 and provides it to the client device 10. The client device 10 receives the personal financial certificate abnormality message 51 from the bank server 40 and displays it.

It is worth noting that when the system date of the bank server 40 exceeds the certificate expiration date information, the financial certificate status identification module 42 of the bank server 40 provides a personal financial certificate application page 51 with bank identification information to the client device 10, and the client device 10 inputs and receives personal financial certificate application information 52 through the personal financial certificate application page 51. The client device 10 then provides the personal financial certificate application information 52 and the bank identification information 53 to the certificate management server 60 through the bank server 40.

The certificate management server 60 generates a personal financial certificate 54 according to the personal financial certificate application information 52, and the authorization information in the personal financial certificate 54 is set to the bank identification information 53. The certificate management server 60 provides the personal financial certificate 54 to the bank server 40, and the bank server 40 stores the login information and the personal financial certificate 54 in the financial certificate database 41 of the bank server 40. The certificate management server 60 can also provide the personal financial certificate 54 to the client device 10 through the bank server 40.

It is worth noting that when the bank server 40 is unable to retrieve the personal financial credential corresponding to the login information from the financial credential database 41 of the bank server 40, a personal financial credential application page 51 with bank identification information can also be provided to the client device 10, and the client device 10 inputs and receives the personal financial credential application information 52 through the personal financial credential application page 51. The client device 10 then provides the personal financial credential application information 52 and the bank identification information 53 to the credential management server 60 through the bank server 40.

The certificate management server 60 generates a personal financial certificate 54 according to the personal financial certificate application information 52, and the authorization information in the personal financial certificate 54 is set to the bank identification information 53. The certificate management server 60 provides the personal financial certificate 54 to the bank server 40, and the bank server 40 stores the login information and the personal financial certificate 54 in the financial certificate database 41 of the bank server 40. The certificate management server 60 can also provide the personal financial certificate 54 to the client device 10 through the bank server 40.

The user then selects and inputs a financial transaction service application 55 in the bank user interface provided by the bank server 40. After completing the selection and input of the financial transaction service application 55, the client device 10 can receive the financial transaction service application 55 in the bank user interface. It is worth noting that financial transaction services include: personal loans, foreign currency settlement, and credit card application, etc. These are only examples for illustration, and the application scope of this creation is not limited to this.

The client device 10 then provides the client identification information 56 and the financial transaction service application 55 to the bank server 40. When the bank server 40 receives the client identification information 56 and the financial transaction service application 55 from the client device 10, and the financial credential status identification module 42 of the bank server 40 has identified that the personal financial credential 54 is in normal use, the financial credential risk management module 43 of the bank server 40 searches the financial credential database 41 of the bank server 40 for the personal financial credential 54 corresponding to the login information.

When the identification information 56 of the client end is inconsistent with the identification information of the certificate device of the personal financial certificate 54, the financial certificate risk control module 43 of the bank server 40 generates a risk warning 57 and provides it to the bank risk control device 20. The bank risk control device 20 receives the risk warning 57 from the bank server 40 and issues a warning. It can then proactively contact the applicant who applied for the personal financial certificate 54 manually to further The step of confirming whether the personal financial credential 54 is stolen provides risk control for the personal financial credential 54. If the bank risk control device 20 confirms that the personal financial credential 54 is used by the applicant who applied for the personal financial credential 54, a risk confirmation instruction 571 can be sent to the bank server 40, and the financial credential risk control module 43 of the bank server 40 can cancel the generated risk warning and regard it as not generating a risk warning.

Specifically, if the client identification information 56 (e.g., Chrome on a general computer) is inconsistent with the identification information of the certificate device of the personal financial certificate 54 (e.g., APP on a smart phone), the financial certificate risk control module 43 of the bank server 40 determines that the queried personal financial certificate 54 is not the device used when applying for the personal financial certificate 54, and generates a risk warning 57 and Provided to the bank risk control device 20, the bank risk control device 20 receives the risk warning 57 from the bank server 40 and issues a warning, and can then manually contact the applicant who applied for the personal financial certificate 54 to further confirm whether the personal financial certificate 54 has been stolen, and provide risk control of the personal financial certificate 54. This is only an example to illustrate this, and the application scope of this creation is not limited to this.

When the financial credential status identification module 42 of the bank server 40 identifies that the personal financial credential is in normal use and the financial credential risk control module 43 of the bank server 40 does not generate a risk warning, the joint identification information acquisition module 44 of the bank server 40 can provide the personal financial credential 54 and the bank identification information 53 to the joint identification center server 30 through the application programming interface (API).

When the credit card center server 30 receives the personal financial certificate 54 and the bank identification information 53 from the bank server 40 through the application program interface, when the authorization information of the personal financial certificate 54 matches the bank identification information 53, the personal credit card information 58 is queried and generated based on the personal financial certificate 54. When the credit card center server 30 generates the personal credit card information 58, the credit card center server 30 provides the personal credit card information 58 to the bank server 40 through the application program interface.

When the credit information acquisition module 44 of the bank server 40 obtains the personal credit information 58 corresponding to the personal financial certificate 54 from the credit information center server 30 through the application programming interface, the financial transaction service module 45 of the bank server 40 can execute the corresponding financial transaction service process for the financial transaction service application 55 according to the personal basic information corresponding to the login information and the personal credit information 58.

It is worth noting that the bank server 40 further includes a financial service preferential module 46. The financial service preferential module 46 of the bank server 40 generates at least one financial service preferential information 591 based on the personal basic information corresponding to the login information and the personal joint credit information 58 to provide to the client device 10. The client device 10 provides the selected at least one financial service preferential information 592 to the bank server 40. The financial transaction service module 45 of the bank server 40 executes the corresponding financial transaction service process for the financial transaction service application based on the personal basic information corresponding to the login information, the personal joint credit information 58 and the selected at least one financial service preferential information 592.

This creation can reduce transaction interruptions and increase customers' willingness to use online banking for foreign exchange settlement by introducing personal financial certificates. In addition to increasing foreign exchange earnings, it can also strengthen online assisted foreign exchange settlement declaration and reduce the burden of counter operations.

Next, the operation process of this creation will be explained below, and please refer to "Figure 3A" and "Figure 3B" at the same time. "Figure 3A" and "Figure 3B" are flow charts of online financial transactions with personal financial certificate anomalies and risk control in this creation.

First, the bank server establishes a financial credential database that stores login information and personal financial credentials, and the personal financial credential further includes credential device identification information, credential serial number information, credential effective date information, credential expiration date information, and authorization information (step 701). Then, the client device uses the login information to log in to the bank server to provide the client identification information and financial transaction service application to the bank server (step 702). Then, when the client device successfully logs in to the bank server, the financial credential database is retrieved and the login information is obtained. The personal financial certificate corresponding to the information is obtained (step 703); then, when the system date of the bank server exceeds the date range of the certificate effective date information to the certificate expiration date information of the queried personal financial certificate, a personal financial certificate abnormality message is generated and provided to the client device (step 704); then, the client device receives the personal financial certificate abnormality message from the bank server and displays it (step 705); then, when the bank server receives the financial transaction service application from the client device and the personal financial certificate is identified as being used normally , a personal financial credential corresponding to the login information is searched from the financial credential database (step 706); then, when the client identification information is inconsistent with the credential device identification information of the personal financial credential, the bank server generates a risk warning and provides it to the bank risk control device (step 707); then, the bank risk control device receives the risk warning from the bank server and issues a warning (step 708); then, when the personal financial credential is identified as being in normal use and no risk warning is generated, the bank server provides the personal financial credential through the application programming interface. The user sends the personal financial certificate and the bank identification information to the credit center server (step 709); then, when the authorization information of the personal financial certificate matches the bank identification information, the credit center server queries and generates personal credit information based on the personal financial certificate, and provides the personal credit information to the bank server through the application program interface (step 710); finally, the bank server executes the corresponding financial transaction service process for the financial transaction service application based on the personal basic information corresponding to the login information and the personal credit information (step 711).

The client device 10, the bank risk control device 20, the joint collection center server 30, the bank server 40 and the certificate management server 60 are all different forms of computing devices. Please refer to "Figure 4", which is a schematic diagram of the components of the computing device proposed in this work.

The computing device mentioned in the present invention includes but is not limited to hardware components such as one or more processors 801, one or more memory modules 802, and a bus 803, wherein the bus 803 can connect different hardware components. Through the multiple hardware components included, the computing device can load and execute an operating system, so that the operating system runs on the computing device, and can also execute software or programs. The computing device also includes a housing 809, and the above-mentioned hardware components are arranged in the housing.

The bus 803 of the computing device of the present invention may include one or more types, such as a data bus, an address bus, a control bus, an expansion bus, and/or a local bus. The bus of the computing device includes but is not limited to a parallel Industry Standard Architecture (ISA) bus, a peripheral component interconnect (PCI) bus, a video electronics standards association (VESA) local bus, and a serial universal serial bus (USB), a peripheral component interconnect express (PCI-E) bus, etc.

The processor 801 of the computing device proposed in the present invention is coupled to a bus 803. The processor 801 includes a register group or a register space, which can be completely set on the processing chip, or completely or partially set outside the processing chip and coupled to the processor via a dedicated electrical connection and/or via a bus. The processor 801 can be a processing unit, a microprocessor, or any suitable processing element. If the computing device is a multi-processor device, that is, the computing device includes multiple processors, the processors included in the computing device are the same or similar, and are coupled and communicated through a bus. The processor 801 can interpret a series of multiple instructions to perform specific calculations or operations, such as mathematical operations, logical operations, data comparison, copying/moving data, etc., to run an operating system or execute various programs, modules, and/or components.

The processor 801 of the computing device can be coupled to the chipset or electrically connected to the chipset through the bus 803. The chipset is composed of one or more integrated circuits (ICs), including a memory controller and a peripheral input/output (I/O) controller, that is, the memory controller and the peripheral input/output (I/O) controller can be included in one integrated circuit, or can be implemented using two or more integrated circuits. The chipset usually provides input/output and memory management functions, as well as multiple general and/or dedicated registers, timers, etc., wherein the above-mentioned general and/or dedicated registers and timers can be accessed or used by one or more processors coupled or electrically connected to the chipset.

The processor 801 of the computing device can also access the data in the memory module 802 and the mass storage area installed on the computing device through the memory controller. The above-mentioned memory module 802 includes any type of volatile memory and/or non-volatile memory (NVRAM) memory, such as static random access memory (SRAM), dynamic random access memory (DRAM), flash memory (Flash), read-only memory (ROM), etc. The mass storage area mentioned above may include any type of storage device or storage media, such as a hard drive, an optical disk, a flash memory, a memory card, a solid state disk (SSD), or any other storage device. In other words, the memory controller can access data in static random access memory, dynamic random access memory, flash memory, hard drive, and solid state disk.

The processor 801 of the computing device can also be connected and communicated with peripheral devices or interfaces such as peripheral output devices, peripheral input devices, communication interfaces, and GPS receivers through the peripheral input/output controller via the bus 803. The peripheral input device can be any type of input device, such as a keyboard, a mouse, a trackball, a touchpad, a joystick, etc. The peripheral output device can be any type of output device, such as a display, a printer, etc. The peripheral input device and the peripheral output device can also be the same device, such as a touch screen, etc. The communication interface may include a wireless communication interface and/or a wired communication interface. The wireless communication interface may include an interface supporting wireless local area networks such as Wi-Fi, Zigbee, Bluetooth, infrared, near field communication (NFC), mobile communication networks such as 3G/4G/5G, or other wireless data transmission protocols. The wired communication interface may be an Ethernet device, an ATM device, a DSL modem, a cable modem, etc. The processor 801 may periodically poll various peripheral devices and interfaces so that the computing device can input and output data through various peripheral devices and interfaces, and can also communicate with another computing device having the components described above.

The modules mentioned in the client device 10, the bank risk control device 20, the joint collection center server 30, the bank server 40 and the certificate management server 60 are usually generated after the processor 801 in each computing device executes a specific program loaded into the memory module 802, or are included in the processor 801.

In summary, when the client device logs into the bank server, it confirms whether the personal financial credential corresponding to the login information is used abnormally. When it is confirmed that the personal financial credential is used normally and the bank server receives the client identification information and the financial transaction service application from the client device, it performs risk management of the personal financial credential. When the personal financial credential is identified as being used normally and no risk warning is generated, the personal credit information is obtained from the credit information collection center server based on the personal financial credential and the bank identification information. The bank server executes the corresponding financial transaction service process for the financial transaction service application based on the personal basic information corresponding to the login information and the personal credit information.

This technical means can be used to solve the problem of previous technologies that use personal financial credentials for online financial transaction services, which lacks personal financial credential use anomalies and risk control and causes transaction breakpoints, thereby achieving the technical effect of online financial transaction services with personal financial credential anomalies and risk control.

Although the implementation methods disclosed in this work are as above, the content described is not used to directly limit the scope of patent protection of this work. Anyone with ordinary knowledge in the technical field to which this work belongs can make slight changes in the form and details of implementation without departing from the spirit and scope disclosed in this work. The scope of patent protection of this work shall still be defined by the attached patent application scope.

10: Client device 20: Bank risk control device 30: Joint identification center server 40: Bank server 41: Financial certificate database 42: Financial certificate status identification module 43: Financial certificate risk control module 44: Joint identification data acquisition module 45: Financial transaction service module 46: Financial service discount module 51: Personal financial certificate abnormal message 52: Personal financial certificate application information 53: Bank identification information 54: Personal financial certificate 55: Financial transaction service application 56: Client identification information 57: Risk warning 571: Risk confirmation instruction 58: Personal credit information 591: Financial service preferential information 592: Financial service preferential information 60: Certificate management server 701-711: Steps 801: Processor 802: Memory module 803: Bus 809: Housing

Figure 1 is a system block diagram of the online financial transaction system with personal financial certificate anomaly and risk control of this creation. Figure 2 is a schematic diagram of the architecture of the online financial transaction with personal financial certificate anomaly and risk control of this creation. Figures 3A and 3B are flow charts of the online financial transaction with personal financial certificate anomaly and risk control of this creation. Figure 4 is a schematic diagram of the components of the computing device proposed in this creation.

10: Client device

20: Bank risk control device

30:Joining center server

40: Bank server

41: Financial Document Database

42: Financial certificate status identification module

43: Financial certificate risk management module

44: Joint recruitment information acquisition module

45: Financial transaction service module

46: Financial service discount module

60: Certificate Management Server

Claims (5)

An online financial transaction system with personal financial credential anomaly and risk management, comprising: A client device, the client device uses a login information to log in to a bank server, provides a client identification information and a financial transaction service application, receives a personal financial credential anomaly message from the bank server and displays it; A bank risk management device, receives a risk warning from the bank server and issues a warning; A joint tax center server, through an application programming interface (Application Programming Interface, API) receives a personal financial certificate and a bank identification information from the bank server, and when the authorization information of the personal financial certificate matches the bank identification information, queries and generates a personal joint credit information according to the personal financial certificate, and provides the personal joint credit information to the bank server through the application programming interface; and The bank server further includes: A financial certificate database, correspondingly storing the login information and the personal financial certificate, the personal financial certificate further includes a certificate device identification information, a certificate serial number information, a certificate effective date information, a certificate expiration date information and an authorization information; A financial credential status identification module, when the client device successfully logs in, retrieves the personal financial credential corresponding to the login information from the financial credential database, and when a system date of the bank server exceeds the date range from the credential effective date information to the credential expiration date information of the retrieved personal financial credential, generates the personal financial credential abnormality message and provides it to the client device; A financial credential risk management module, when receiving the financial transaction service application from the client device and the financial credential status identification module identifies that the personal financial credential is in normal use, searches the financial credential database for the personal financial credential corresponding to the login information, and when the client identification information is inconsistent with the credential device identification information of the personal financial credential, generates the risk warning and provides it to the bank risk management device; a credit card information acquisition module, which provides the personal financial certificate and the bank identification information to the credit card center server through the application program interface when the financial certificate status identification module identifies that the personal financial certificate is in normal use and the financial certificate risk control module does not generate the risk warning, and obtains the personal credit card information corresponding to the personal financial certificate from the credit card center server through the application program interface; and a financial transaction service module, which executes the corresponding financial transaction service process for the financial transaction service application according to the basic personal information corresponding to the login information and the personal credit card information. The online financial transaction system with personal financial credential anomaly and risk control as described in claim 1, wherein the online financial transaction system with personal financial credential anomaly and risk control further comprises: The financial credential status identification module of the bank server provides a personal financial credential application page with the bank identification information to the client device when the system date of the bank server exceeds the credential expiration date information; The client device inputs and receives a personal financial credential application information through the personal financial credential application page, and then provides the personal financial credential application information and the bank identification information to a credential management server; The certificate management server generates the personal financial certificate according to the personal financial certificate application information, and the authorization information in the personal financial certificate is set as the bank identification information; The certificate management server provides the personal financial certificate to the bank server, and the bank server stores the login information and the personal financial certificate in the financial certificate database in correspondence; and The certificate management server then provides the personal financial certificate to the client device through the bank server. The online financial transaction system with personal financial credential anomaly and risk control as described in claim 1, wherein the online financial transaction system with personal financial credential anomaly and risk control further comprises: The financial credential risk control module of the bank server further comprises providing a personal financial credential application page having the bank identification information and filled with personal financial credential application information to the client device when the client identification information is inconsistent with the credential device identification information of the personal financial credential; The client device then provides the personal financial credential application information and the bank identification information to a credential management server; The certificate management server generates a new personal financial certificate based on the personal financial certificate application information, and the authorization information in the personal financial certificate is set as the bank identification information; The certificate management server then provides the new personal financial certificate to the bank server through the client device, and the bank server stores the login information and the new personal financial certificate in the financial certificate database in correspondence; and The certificate management server then provides the new personal financial certificate to the client device through the bank server. The online financial transaction system with personal financial credential anomaly and risk control as described in claim 1, wherein the online financial transaction system with personal financial credential anomaly and risk control further comprises: The bank server further comprises a financial service preferential module, which generates at least one financial service preferential information according to the personal basic information corresponding to the login information and the personal joint credit information to provide to the client device; The client device provides the selected at least one financial service preferential information to the bank server; and The financial transaction service module of the bank server executes the corresponding financial transaction service process for the financial transaction service application according to the personal basic information corresponding to the login information, the personal joint credit information and the selected at least one financial service preferential information. As described in claim 1, the online financial transaction system with personal financial certificate anomaly and risk control, wherein when the bank risk control device sends a risk confirmation instruction to the bank server, the financial certificate risk control module cancels the generated risk warning and regards that the risk warning has not been generated.

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