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Bank account transaction behavior portrait construction method and system

A bank account and construction method technology, applied in payment system, payment system structure, unstructured text data retrieval and other directions, can solve the problem of inability to collect historical transaction data of bank accounts, etc., to ensure channel security, data security, and guarantee The effect of data security

Pending Publication Date: 2021-07-23
STATE GRID SHANDONG ELECTRIC POWER
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

At present, the transaction behavior of bank accounts is mainly reflected in the statistics and analysis of data. Since the historical transaction data has not been managed online through the establishment of an information system, it is impossible to collect historical transaction data of bank accounts and predict abnormal transactions in advance.

Method used

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  • Bank account transaction behavior portrait construction method and system
  • Bank account transaction behavior portrait construction method and system

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0049] In one or more implementations, a method for constructing bank account transaction behavior portraits is disclosed, referring to figure 1 , including the following procedures:

[0050] (1) Obtain account transaction information, extract the syntactic relationship of the transaction flow, and form transaction summary information;

[0051] Specifically, a dedicated payment server is built, which is specially used for data storage and feedback of corporate bank account transaction flow, dedicated servers, and special operation and maintenance to ensure data security.

[0052] During the data acquisition process, front-end machines were set up on the portrait construction system and the monitored bank account system, and VPN, HTTPS protocol (SSL) and dedicated lines were used to ensure channel security. The front-end machine is used to transmit transaction information between the two systems and perform data encryption and decryption operations.

[0053] Adopt the interna...

Embodiment 2

[0088] In one or more implementations, a bank account transaction behavior portrait construction system is disclosed, including:

[0089] The data acquisition module is used to acquire account transaction information, extract transaction flow syntactic relations, and form transaction summary information;

[0090] The relationship building module is used to perform word segmentation, part-of-speech tagging, named entity recognition and dependency syntax analysis on the extracted transaction summary information, and finally generate a syntax relationship tree;

[0091] The label extraction module is used to extract transaction labels and business labels according to rules from the syntactic relationship tree;

[0092] The account portrait module is used to comprehensively calculate static and dynamic information by using the precision rate and recall rate, collect statistics on abnormal transaction content, and draw account portraits.

[0093] In the process of data acquisition...

Embodiment 3

[0096] In one or more embodiments, a terminal device is disclosed, including a server, the server includes a memory, a processor, and a computer program stored on the memory and operable on the processor, and the processor executes the The program realizes the bank account transaction behavior profile construction method in the first embodiment. For the sake of brevity, details are not repeated here.

[0097] It should be understood that in this embodiment, the processor can be a central processing unit CPU, and the processor can also be other general-purpose processors, digital signal processors DSP, application specific integrated circuits ASIC, off-the-shelf programmable gate array FPGA or other programmable logic devices , discrete gate or transistor logic devices, discrete hardware components, etc. A general-purpose processor may be a microprocessor, or the processor may be any conventional processor, or the like.

[0098] The memory may include read-only memory and ran...

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Abstract

The invention discloses a bank account transaction behavior portrait construction method and system, and the method comprises the steps of obtaining account transaction information, extracting a transaction flow syntactic relation, and forming transaction summary information; performing word segmentation, part-of-speech tagging, named entity recognition and dependency syntactic analysis on the extracted transaction summary information, and finally generating a syntactic relation tree; extracting a transaction label and a service label from the syntactic relation tree according to a rule; and performing comprehensive calculation on the static and dynamic information by using the accuracy rate and the recall rate, performing summary statistics on abnormal transaction contents, and drawing an account portrait. According to the invention, label definition is carried out on transaction behaviors of the enterprise bank account, syntactic relation analysis is carried out on information such as abstracts, transaction time, collection and payment, account abnormal actions are insighted in time, transaction risks are accurately positioned, and a high-precision risk prevention and control means is provided for comprehensive monitoring and safe use of the enterprise fund transaction account.

Description

technical field [0001] The invention relates to the technical field of bank account portraits, in particular to a method and system for constructing bank account transaction behavior portraits. Background technique [0002] The statements in this section merely provide background information related to the present invention and do not necessarily constitute prior art. [0003] The corporate bank account is the carrier of the company's capital operation. The account flow directly reflects the transaction behavior of the account. By extracting the company's massive bank fund transaction flow, it analyzes the syntactic relationship of the summary, transaction time, collection, payment and other information, and intelligently connects transactions. Tags and business tags to build a dynamic, complete and comprehensive capital account transaction portrait, which can help companies understand the historical transaction behavior of the account in real time, grasp the account transac...

Claims

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Application Information

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IPC IPC(8): G06Q40/04G06Q20/38G06F40/295G06F40/289G06F40/211G06F40/117G06F21/64G06F16/34
CPCG06Q40/04G06F40/289G06F40/117G06F40/211G06F16/345G06F40/295G06F21/64G06Q20/382
Inventor 马瑞霞武健潘树怡贺光学崔锋金莹井冠阳王云霞陈文超张婧文
Owner STATE GRID SHANDONG ELECTRIC POWER
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