Transaction analysis method, device, equipment and storage medium

Abstract

The present application relates to a transaction analysis method, device, equipment and storage medium, the method comprising obtaining the flow data of a bank account to be detected; performing the following processing for any bank transaction record in the flow data: obtaining the transaction transfer time in the bank transaction record; obtaining the object transaction record matching the transaction transfer time; obtaining the object conversion time and transfer amount in the object transaction record; obtaining the exchange rate matching the object conversion time; according to the exchange rate, converting the transfer amount into a target transaction amount expressed in the currency in the transaction record; when it is determined that the target transaction amount is consistent with the transaction amount in the transaction record, outputting information indicating that the bank account to be detected has an object transaction. This embodiment can accurately determine whether the bank account to be detected has an object transaction through bank transaction records, object transaction records and exchange rates.

Description

Technical Field

[0001] The present application relates to the field of computers, and in particular to a transaction analysis method, device, equipment and storage medium. Background Art

[0002] Financial institutions such as banks often have the need to identify and discover whether users have specific transaction activities.

[0003] At present, the way banks judge whether their users have engaged in specific activities is by analyzing the user transaction information held by the bank and designing a transaction analysis model based on the transaction behavior. If the behavior meets the requirements of "frequent deposits and withdrawals once" or "frequent transactions with different counterparties" and other behaviors similar to specific transaction behaviors, the bank will judge that the user is suspected of participating in specific transactions.

[0004] However, since certain specific transaction behaviors are very similar to those of commonly encountered telecommunications fraud methods such as illegal fundraising, accounts identified by this method can only be concluded to be suspected of participating in certain specific transaction behaviors, telecommunications fraud and other criminal activities, and cannot draw a more accurate conclusion. Summary of the invention

[0005] The present application provides a transaction analysis method, device, equipment and storage medium to solve the problem of inaccurate analysis in related technologies.

[0006] In a first aspect, a transaction analysis method is provided, comprising:

[0007] Obtain the transaction data of the bank account to be tested;

[0008] The following processing is performed for any bank transaction record in the transaction data:

[0009] Obtaining the transaction transfer time in the bank transaction record;

[0010] Obtaining object transaction records matching the transaction transfer time;

[0011] Obtaining the object conversion time and transfer amount in the object transaction record;

[0012] Get the exchange rate that matches the conversion time of the object;

[0013] According to the exchange rate, convert the transfer amount into a target transaction amount expressed in the currency in the transaction record;

[0014] When it is determined that the target transaction amount is consistent with the transaction amount in the transaction record, information indicating that the target transaction exists in the bank account to be detected is output.

[0015] Optionally, obtaining an object transaction record matching the transaction transfer time includes:

[0016] Based on the transaction transfer time, generate a target transaction screening time range;

[0017] Acquire a target object transaction record whose object conversion time is within the object transaction screening time range;

[0018] The target object transaction record is used as the object transaction record matching the transaction transfer time.

[0019] Optionally, acquiring a target object transaction record whose object conversion time is within the object transaction screening time range includes:

[0020] Query the time range covered by the flow data;

[0021] Query N object transaction records whose object conversion time is within the time range;

[0022] The target object transaction record whose object conversion time is within the object transaction screening time range is obtained from the N object transaction records.

[0023] Optionally, obtaining an exchange rate that matches the object conversion time includes:

[0024] Obtain M exchange rate records matching the object conversion time;

[0025] Searching for a target exchange rate record from the M exchange rate records, wherein the currency in the target exchange rate record is the same as the currency in the target transaction record, and the exchange rate in the target exchange rate record indicates an exchange rate between the currency in the target transaction record and the currency in the transaction record;

[0026] The exchange rate in the target exchange rate record is used as the exchange rate matching the object conversion time.

[0027] Optionally, M exchange rate records matching the object conversion time are obtained, including:

[0028] Query the time range covered by the flow data;

[0029] Get P exchange rate records within the time range;

[0030] From the P exchange rate records, the M exchange rate records matching the object conversion time are obtained.

[0031] Optionally, determining that the target transaction amount is consistent with the transaction amount in the transaction record includes:

[0032] Calculating the difference between the target transaction amount and the transaction amount in the transaction record;

[0033] Calculate the percentage of the amount difference to the transaction amount in the transaction record;

[0034] When the percentage is within a preset percentage range, it is determined that the target transaction amount is consistent with the transaction amount in the transaction record.

[0035] Optionally, the information indicating that the target transaction exists in the bank account to be detected includes at least one of the following:

[0036] Account information of the bank account to be detected;

[0037] Information on the bank transaction records;

[0038] Information about the transaction record of the object.

[0039] In a second aspect, a transaction analysis device is provided, comprising:

[0040] A first acquisition unit, used to acquire transaction data of a bank account to be detected;

[0041] The following processing is performed for any bank transaction record in the transaction data:

[0042] A second acquisition unit, used to acquire the transaction transfer time in the bank transaction record;

[0043] A third acquisition unit is used to acquire an object transaction record matching the transaction transfer time;

[0044] A fourth acquisition unit, configured to acquire the object conversion time and the transfer amount in the object transaction record;

[0045] a fifth acquisition unit, configured to acquire an exchange rate matching the object conversion time;

[0046] A conversion unit, configured to convert the transfer amount into a target transaction amount expressed in a currency in the transaction record according to the exchange rate;

[0047] The output unit is used to output information indicating that the target transaction exists in the bank account to be detected when it is determined that the target transaction amount is consistent with the transaction amount in the transaction record.

[0048] In a third aspect, an electronic device is provided, comprising: a processor, a memory and a communication bus, wherein the processor and the memory communicate with each other via the communication bus;

[0049] The memory is used to store computer programs;

[0050] The processor is used to execute the program stored in the memory to implement the transaction analysis method described in the first aspect.

[0051] According to a fourth aspect, a computer-readable storage medium is provided, which stores a computer program, and when the computer program is executed by a processor, the transaction analysis method according to the first aspect is implemented.

[0052] The above technical solution provided by the embodiment of the present application has the following advantages over the prior art: the method provided by the embodiment of the present application obtains the flow data of the bank account to be detected; performs the following processing for any bank transaction record in the flow data: obtains the transaction transfer time in the bank transaction record; obtains the object transaction record matching the transaction transfer time; obtains the object conversion time and transfer amount in the object transaction record; obtains the exchange rate matching the object conversion time; according to the exchange rate, converts the transfer amount into the target transaction amount expressed in the currency in the transaction record; when it is determined that the target transaction amount is consistent with the transaction amount in the transaction record, outputs information indicating that the bank account to be detected has the object transaction. This embodiment can accurately determine whether the bank account to be detected has the object transaction through the bank transaction record, the object transaction record and the exchange rate. BRIEF DESCRIPTION OF THE DRAWINGS

[0053] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the invention and, together with the description, serve to explain the principles of the invention.

[0054] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, for ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative labor.

[0055] Figure 1 This is a flow chart of the transaction analysis method in the embodiment of the present application;

[0056] Figure 2 A schematic diagram of the structure of a transaction analysis device in an embodiment of the present application;

[0057] Figure 3 This is a schematic diagram of the steps of the transaction analysis method in the embodiment of the present application;

[0058] Figure 4 This is another structural diagram of the transaction analysis device in the embodiment of the present application;

[0059] Figure 5 Schematic diagram of the structure of an electronic device in an embodiment of the present application. DETAILED DESCRIPTION

[0060] In order to make the purpose, technical solution and advantages of the embodiments of the present application clearer, the technical solution in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments are part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without making creative work are within the scope of protection of this application.

[0061] It should be noted that the terms "first", "second", etc. in the specification and claims of the present application and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchangeable where appropriate, so that the embodiments of the present application described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any of their variations are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device comprising a series of steps or units is not necessarily limited to those steps or units clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0062] The embodiment of the present application provides a transaction analysis method, which can be applied to any electronic device;

[0063] The electronic devices described in the embodiments of the present application may include smart phones (such as Android phones, iOS phones, Windows Phone phones, etc.), tablet computers, PDAs, laptops, video matrices, monitoring platforms, mobile Internet devices (MID, Mobile Internet Devices) or wearable devices, etc. The above are only examples and not exhaustive, including but not limited to the above devices. Of course, the above electronic devices can also be servers, for example, cloud servers.

[0064] like Figure 1 As shown, the method may include the following steps:

[0065] Step 101: Obtain transaction data of a bank account to be tested.

[0066] In the application, the transaction data of the bank account to be detected can be queried based on its ID, which includes parameters such as the transaction number, the transferor, the recipient, the transaction transfer time, and the transfer amount.

[0067] Among them, the serial number is the bank's internal transaction serial number; the transferor is the bank account card number of the transferor in the bank statement of the account; the recipient is the bank account card number of the payee in the bank statement of the account; the transaction transfer time is the time when the transfer occurs; the transfer amount is used to describe the currency of the transfer and the specific amount of the transfer.

[0068] Please refer to Table 1, which shows the transaction data of the bank account to be tested.

[0069] Table 1

[0070]

[0071] For any bank transaction record in the transaction data, perform the following processing:

[0072] Step 102: Obtain the transaction transfer time in the bank transaction record.

[0073] Step 103: Obtain the object transaction record that matches the transaction transfer time.

[0074] In the application, the object transaction record specifically includes but is not limited to commodity transaction records or virtual resource transaction records.

[0075] It should be understood that the virtual resources in this embodiment include but are not limited to digital currency. In the application, the virtual resource is used to represent the objects that the account can trade. The virtual resource can be a numerical value or a representation value in other forms, and does not limit the scope of protection of this application.

[0076] The object transaction record has an object conversion time, so in this embodiment, the object transaction record whose object conversion time is close to the transaction transfer time is taken as the object transaction record matching the transaction conversion time.

[0077] In a specific embodiment, based on the transaction transfer time, an object transaction screening time range is generated; a target object transaction record whose object conversion time is within the object transaction screening time range is obtained; and the target object transaction record is used as an object transaction record that matches the transaction transfer time.

[0078] In the application, the time range consisting of the time not exceeding the time threshold from the transaction transfer time can be used as the object transaction screening time range. The time threshold here can be set manually based on experience or as needed.

[0079] In an example, the time threshold is set to 3h. If the transaction transfer time is a, then the object transaction screening time range generated based on the transaction transfer time can be [a-3h, a+3h], that is, the object transaction screening time range is within 3 hours before and after the time point a.

[0080] In order to narrow the screening scope of the target object transaction records and improve the screening efficiency, in this embodiment, the time range covered by the flow data is used to first query N object transaction records whose object conversion time is within the time range, and then the target object transaction records are screened from the N object transaction records.

[0081] In a specific embodiment, the time range covered by the transaction data is queried; N object transaction records whose object conversion time is within the time range are queried; and from the N object transaction records, the target object transaction record whose object conversion time is within the object transaction screening time range is obtained.

[0082] It should be understood that the time range covered by the transaction data can be determined based on the time when the first transaction in the transaction data occurs and the time when the last transaction occurs.

[0083] Step 104: Obtain the object conversion time and transfer amount in the object transaction record.

[0084] In this embodiment, the object transaction record includes at least parameters such as the object transaction identifier, the transferor, the receiver, the object transfer time, the transfer amount, and the currency. Among them, the object transaction identifier is used to uniquely identify a transaction, the transferor is the address of the transferor in the object transaction, the receiver is the address of the receiver in the object transaction, the object transfer time is the object transaction confirmation time, the transfer amount is the number of transaction objects, and the currency is the currency of the transaction object.

[0085] Please refer to Table 2, which shows the digital currency transaction record when the object transaction record is a digital currency transaction record.

[0086] Table 2

[0087] property describe Transaction hash The id of digital currency transaction in the public chain Transfer-out party The digital currency address of the transferor in the digital currency account Receiver The recipient's digital currency address in the digital currency account Transfer time Cryptocurrency transaction confirmation time (yyyy-mm-dd HH:MM:SS) Transfer Amount Amount of digital currency transferred Currency The type of digital currency to transfer (such as ETH, BTC, USDT)

[0088] Step 105: Obtain the exchange rate that matches the object conversion time.

[0089] In a specific embodiment, M exchange rate records matching the object conversion time are obtained; a target exchange rate record is searched from the M exchange rate records, the currency in the target exchange rate record is the same as the currency in the object transaction record, and the exchange rate in the target exchange rate record indicates the exchange rate between the currency in the object transaction record and the currency in the transaction record; the exchange rate in the target exchange rate record is used as the exchange rate matching the object conversion time.

[0090] In the application, the exchange rate record has parameters such as time, exchange rate, currency, etc. Among them, time is the time point corresponding to the exchange rate, exchange rate is the exchange rate of two currencies, and currency is the currency in the object transaction record.

[0091] Please refer to Table 3, which is an example of exchange rate records shown in this embodiment.

[0092]

[0093] In this embodiment, in order to narrow the screening scope of the M exchange rate records and improve the screening efficiency, in this embodiment, firstly based on the time range covered by the transaction data, P exchange rate records within the time range are obtained, and then M exchange rate records are obtained from the P exchange rate records.

[0094] In a specific embodiment, the time range covered by the transaction data is queried; P exchange rate records within the time range are obtained; and M exchange rate records matching the object conversion time are obtained from the P exchange rate records.

[0095] It should be understood that P exchange rate records within a time range may be obtained based on the time in the exchange rate record.

[0096] Step 106: Convert the transfer amount into the target transaction amount expressed in the currency in the transaction record according to the exchange rate.

[0097] The calculation formula for the target transaction amount can be:

[0098] Target transaction amount = exchange rate * transfer amount.

[0099] Step 107: When it is determined that the target transaction amount is consistent with the transaction amount in the transaction record, output information indicating that the target transaction exists in the bank account to be detected.

[0100] In an example, when it is determined that the target transaction amount is exactly the same as the transaction amount in the transaction record, it can be determined that the target transaction amount is consistent with the transaction amount in the transaction record.

[0101] In another example, when it is determined that the target transaction amount and the transaction amount in the transaction record do not differ by more than a preset amount, it can also be determined that the target transaction amount is consistent with the transaction amount in the transaction record.

[0102] In a specific embodiment, the difference between the target transaction amount and the transaction amount in the transaction record is calculated; the percentage of the amount difference to the transaction amount in the transaction record is calculated; when the percentage is within a preset percentage range, it is determined that the target transaction amount is consistent with the transaction amount in the transaction record.

[0103] In an application, the percentage range may be set manually based on experience, such as setting the percentage range to 5%.

[0104] In this embodiment, the output information indicating that the target transaction exists in the bank account to be detected may include at least one of the following:

[0105] Account information of the bank account to be tested;

[0106] Information on bank transaction records;

[0107] Information about the object transaction record.

[0108] The account information of the bank account to be detected includes but is not limited to the ID of the bank account to be detected. The information in the bank transaction record can refer to the parameters in Table 1, and the information in the object transaction record can refer to the parameters in Table 2.

[0109] Please refer to Table 4, which is an example of information output by this embodiment indicating that there is a target transaction in the bank account to be monitored.

[0110] Table 4

[0111]

[0112] In the technical solution provided by this embodiment, the flow data of the bank account to be detected is obtained; the following processing is performed for any bank transaction record in the flow data: the transaction transfer time in the bank transaction record is obtained; the object transaction record matching the transaction transfer time is obtained; the object conversion time and transfer amount in the object transaction record are obtained; the exchange rate matching the object conversion time is obtained; according to the exchange rate, the transfer amount is converted into the target transaction amount expressed in the currency in the transaction record; when it is determined that the target transaction amount is consistent with the transaction amount in the transaction record, information indicating that the bank account to be detected has an object transaction is output. This embodiment can accurately determine whether the bank account to be detected has an object transaction through bank transaction records, object transaction records and exchange rates.

[0113] Based on the same concept, a transaction analysis device is provided in the embodiment of the present application. The specific implementation of the device can be found in the description of the method embodiment part, and the repeated parts will not be repeated. Figure 2 As shown, the device mainly includes:

[0114] Data collection module 201, transaction collision module 202 and output module 203;

[0115] The data collection module collects data from three sources: first, digital currency transaction records are collected from public chain nodes; second, user fund flows are collected from the bank’s internal database; and third, digital currency to RMB exchange rate data is crawled from external exchange websites.

[0116] The workflow is as follows:

[0117] Select a bank account from the list of accounts to be tested in a traversal form, and record it as bank account A;

[0118] According to the ID of bank account A, its transaction data is queried, which is recorded as Table 1;

[0119] Query the time range covered by the bank statement data of account A (i.e. the time when the first and last transactions occurred);

[0120] According to the time range, query the digital currency transaction records within the time period from the public chain node, which is recorded as Table 2;

[0121] According to the time range, query the digital currency exchange rate change records within the time period from the exchange website, and record them as Table 3;

[0122] Submit Table 1, Table 2, and Table 3 to the transaction collision module.

[0123] After receiving the three tables, the transaction collision module processes the data in the tables to find the digital currency transaction record that corresponds to the bank transfer record in the public chain when the bank transfer occurs.

[0124] The processing steps are as follows:

[0125] Step 1: Traverse Table 1, take out a transaction record (recorded as transaction p), record the recorded transfer time as time a, calculate the deviation time of the transaction time point a according to the floating x hours, and record it as a-3h and a+3h (within 3 hours before and after time point a);

[0126] Step 2: Traverse Table 2. When the digital currency transfer time in Table 2 is within the range of [a-3h, a+3h], record the transaction as transaction b; if it is not within the range, skip it;

[0127] Step 3: According to the transfer time and currency of transaction b, query the exchange rate and currency at that time in Table 3, and calculate the RMB value corresponding to the digital currency transaction by multiplying the transfer amount by the exchange rate;

[0128] Step 4: Use transaction b. RMB value - transaction p. transfer amount to get the difference. If the difference is within 5% of the transfer amount, the transaction is considered a hit. Submit transaction p information and the corresponding bank account information and transaction b information to the output module.

[0129] See also Figure 3 , Figure 3 The following is a specific example given in combination with the above steps.

[0130] It should be noted that Figure 3 The shading background in the figure is the background that comes with the software used to draw the figure, and the shading background has no actual meaning in the figure.

[0131] Based on the same concept, a transaction analysis device is provided in the embodiment of the present application. The specific implementation of the device can be found in the description of the method embodiment part, and the repeated parts will not be repeated. Figure 4As shown, the device mainly includes:

[0132] The first acquisition unit 401 is used to acquire the transaction data of the bank account to be detected;

[0133] For any bank transaction record in the transaction data, perform the following processing:

[0134] The second acquisition unit 402 is used to acquire the transaction transfer time in the bank transaction record;

[0135] The third acquisition unit 403 is used to acquire the object transaction record matching the transaction transfer time;

[0136] The fourth acquisition unit 404 is used to acquire the object conversion time and the transfer amount in the object transaction record;

[0137] A fifth acquisition unit 405, used to acquire an exchange rate matching the object conversion time;

[0138] A conversion unit 406, configured to convert the transfer amount into a target transaction amount expressed in a currency in the transaction record according to the exchange rate;

[0139] The output unit 407 is used to output information indicating that the target transaction exists in the bank account to be detected when it is determined that the target transaction amount is consistent with the transaction amount in the transaction record.

[0140] Optionally, the third obtaining unit 403 is used to:

[0141] Generate the object transaction filtering time range based on the transaction transfer time;

[0142] Get the target object transaction records whose object conversion time is within the object transaction screening time range;

[0143] The target object transaction record is used as the object transaction record that matches the transaction transfer time.

[0144] Optionally, the third obtaining unit 403 is used to:

[0145] Query the time range covered by the flow data;

[0146] Query N object transaction records whose object conversion time is within the time range;

[0147] From N object transaction records, obtain target object transaction records whose object conversion time is within the object transaction filtering time range.

[0148] Optionally, the fifth acquiring unit 405 is used to:

[0149] Get M exchange rate records that match the object conversion time;

[0150] Searching for a target exchange rate record from the M exchange rate records, the currency in the target exchange rate record is the same as the currency in the target transaction record, and the exchange rate in the target exchange rate record indicates an exchange rate between a currency in the target transaction record and a currency in the transaction record;

[0151] The exchange rate in the target exchange rate record is used as the exchange rate that matches the object conversion time.

[0152] Optionally, the fifth acquiring unit 405 is used to:

[0153] Query the time range covered by the flow data;

[0154] Get P exchange rate records within the time range;

[0155] From the P exchange rate records, obtain the M exchange rate records that match the object conversion time.

[0156] Optionally, the output unit 407 is used to:

[0157] Calculate the difference between the target transaction amount and the transaction amount in the transaction record;

[0158] Calculate the percentage of the amount difference to the transaction amount in the transaction record;

[0159] When the percentage is within a preset percentage range, it is determined that the target transaction amount is consistent with the transaction amount in the transaction record.

[0160] Optionally, the information indicating that the target transaction exists in the bank account to be detected includes at least one of the following:

[0161] Account information of the bank account to be tested;

[0162] Information on bank transaction records;

[0163] Information about the object transaction record.

[0164] Based on the same concept, an electronic device is also provided in the embodiment of the present application, such as Figure 5 As shown, the electronic device mainly includes: a processor 501, a memory 502 and a communication bus 503, wherein the processor 501 and the memory 502 communicate with each other through the communication bus 503. The memory 502 stores a program executable by the processor 501, and the processor 501 executes the program stored in the memory 502 to implement the following steps:

[0165] Obtain the transaction data of the bank account to be tested;

[0166] For any bank transaction record in the transaction data, perform the following processing:

[0167] Get the transaction transfer time in the bank transaction record;

[0168] Get the object transaction record that matches the transaction transfer time;

[0169] Get the object conversion time and transfer amount in the object transaction record;

[0170] Get the exchange rate that matches the object conversion time;

[0171] Convert the transfer amount into the target transaction amount expressed in the currency in the transaction record according to the exchange rate;

[0172] When it is determined that the target transaction amount is consistent with the transaction amount in the transaction record, information indicating that the target transaction exists in the bank account to be detected is output.

[0173] The communication bus 503 mentioned in the above electronic device can be a Peripheral Component Interconnect (PCI) bus or an Extended Industry Standard Architecture (EISA) bus. The communication bus 503 can be divided into an address bus, a data bus, a control bus, etc. For ease of representation, Figure 5 Only one thick line is used in the diagram, but this does not mean that there is only one bus or only one type of bus.

[0174] The memory 502 may include a random access memory (RAM) or a non-volatile memory, such as at least one disk memory. Alternatively, the memory may also be at least one storage device located away from the processor 501 .

[0175] The above-mentioned processor 501 can be a general-purpose processor, including a central processing unit (CPU), a network processor (NP), etc., and can also be a digital signal processor (DSP), an application specific integrated circuit (ASIC), a field programmable gate array (FPGA) or other programmable logic devices, discrete gates or transistor logic devices, discrete hardware components.

[0176] In another embodiment of the present application, a computer-readable storage medium is provided, in which a computer program is stored. When the computer program runs on a computer, the computer executes the transaction analysis method described in the above embodiment.

[0177] In the above embodiments, it can be implemented in whole or in part by software, hardware, firmware or any combination thereof. When implemented using software, it can be implemented in whole or in part in the form of a computer program product. The computer program product includes one or more computer instructions. When the computer instruction is loaded and executed on a computer, the process or function described in the embodiment of the present application is generated in whole or in part. The computer can be a general-purpose computer, a special-purpose computer, a computer network or other programmable device. The computer instruction can be stored in a computer-readable storage medium, or transmitted from one computer-readable storage medium to another computer-readable storage medium, for example, the computer instruction is transmitted from a website site, a computer, a server or a data center by wired (e.g., coaxial cable, optical fiber, digital subscriber line (DSL)) or wireless (e.g., infrared, microwave, etc.) mode to another website site, computer, server or data center. The computer-readable storage medium can be any available medium that a computer can access or a data storage device such as a server, a data center, etc. that contains one or more available media integration. The available medium can be a magnetic medium (e.g., a floppy disk, a hard disk, a tape, etc.), an optical medium (e.g., a DVD) or a semiconductor medium (e.g., a solid-state hard disk), etc.

[0178] It should be noted that, in this article, relational terms such as "first" and "second" are only used to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any such actual relationship or order between these entities or operations. Moreover, the terms "include", "comprise" or any other variants thereof are intended to cover non-exclusive inclusion, so that a process, method, article or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, article or device. In the absence of further restrictions, the elements defined by the sentence "comprise a ..." do not exclude the existence of other identical elements in the process, method, article or device including the elements.

[0179] The foregoing is merely a specific embodiment of the present invention, which enables those skilled in the art to understand or implement the present invention. Various modifications to these embodiments will be apparent to those skilled in the art, and the general principles defined herein may be implemented in other embodiments without departing from the spirit or scope of the present invention. Therefore, the present invention will not be limited to the embodiments shown herein, but rather to the widest scope consistent with the principles and novel features claimed herein.

Claims

1. A transaction analysis method, characterized in that: include: Obtain the transaction data of the bank account to be tested; The following processing is performed for any bank transaction record in the transaction data: Obtaining the transaction transfer time in the bank transaction record; Obtaining object transaction records matching the transaction transfer time; Obtaining the object conversion time and transfer amount in the object transaction record; Get the exchange rate that matches the conversion time of the object; Converting the transfer amount into a target transaction amount expressed in the currency in the transaction record according to the exchange rate; When it is determined that the target transaction amount is consistent with the transaction amount in the transaction record, outputting information indicating that the target transaction exists in the bank account to be detected; Wherein, obtaining the object transaction record matching the transaction transfer time includes: Based on the transaction transfer time, generate a target transaction screening time range; Acquire a target object transaction record whose object conversion time is within the object transaction screening time range; Using the target object transaction record as the object transaction record matching the transaction transfer time; Wherein, obtaining the target object transaction record whose object conversion time is within the object transaction screening time range includes: Query the time range covered by the flow data; Query N object transaction records whose object conversion time is within the time range; From the N object transaction records, obtaining the target object transaction record whose object conversion time is within the object transaction screening time range; Wherein, obtaining the exchange rate matching the object conversion time includes: Obtain M exchange rate records matching the object conversion time; Searching for a target exchange rate record from the M exchange rate records, wherein the currency in the target exchange rate record is the same as the currency in the target transaction record, and the exchange rate in the target exchange rate record indicates an exchange rate between the currency in the target transaction record and the currency in the transaction record; Using the exchange rate in the target exchange rate record as the exchange rate matching the object conversion time; Wherein, obtaining M exchange rate records matching the object conversion time includes: Query the time range covered by the flow data; Get P exchange rate records within the time range; From the P exchange rate records, obtaining the M exchange rate records matching the object conversion time; Wherein, determining that the target transaction amount is consistent with the transaction amount in the transaction record includes: Calculating the difference between the target transaction amount and the transaction amount in the transaction record; Calculate the percentage of the amount difference to the transaction amount in the transaction record; When the percentage is within a preset percentage range, it is determined that the target transaction amount is consistent with the transaction amount in the transaction record.

2. The method according to claim 1, characterized in that The information indicating that the target transaction exists in the bank account to be detected includes at least one of the following: Account information of the bank account to be detected; Information on the bank transaction records; Information about the transaction record of the object.

3. A transaction analysis device, characterized in that: include: A first acquisition unit, used to acquire transaction data of a bank account to be detected; The following processing is performed for any bank transaction record in the transaction data: A second acquisition unit, used to acquire the transaction transfer time in the bank transaction record; A third acquisition unit is configured to acquire an object transaction record that matches the transaction transfer time; wherein acquiring the object transaction record that matches the transaction transfer time includes: generating an object transaction screening time range based on the transaction transfer time; acquiring a target object transaction record whose object conversion time is within the object transaction screening time range; using the target object transaction record as the object transaction record that matches the transaction transfer time; wherein acquiring the target object transaction record whose object conversion time is within the object transaction screening time range includes: querying the time range covered by the flow data; querying N object transaction records whose object conversion time is within the time range; and acquiring the target object transaction record whose object conversion time is within the object transaction screening time range from the N object transaction records; A fourth acquisition unit, configured to acquire the object conversion time and the transfer amount in the object transaction record; a fifth acquisition unit, configured to acquire an exchange rate matching the object conversion time; wherein acquiring the exchange rate matching the object conversion time comprises: acquiring M exchange rate records matching the object conversion time; searching for a target exchange rate record from the M exchange rate records, wherein the currency in the target exchange rate record is the same as the currency in the object transaction record, and the exchange rate in the target exchange rate record indicates an exchange rate between a currency in the object transaction record and a currency in the transaction record; using the exchange rate in the target exchange rate record as the exchange rate matching the object conversion time; wherein acquiring the M exchange rate records matching the object conversion time comprises: querying the time range covered by the flow data; acquiring P exchange rate records within the time range; and acquiring the M exchange rate records matching the object conversion time from the P exchange rate records; A conversion unit, configured to convert the transfer amount into a target transaction amount expressed in a currency in the transaction record according to the exchange rate; An output unit is used to output information indicating that the target transaction amount exists in the bank account to be detected when it is determined that the target transaction amount is consistent with the transaction amount in the transaction record; wherein, determining that the target transaction amount is consistent with the transaction amount in the transaction record comprises: calculating the difference between the target transaction amount and the transaction amount in the transaction record; calculating the percentage of the amount difference to the transaction amount in the transaction record; and when the percentage is within a preset percentage range, determining that the target transaction amount is consistent with the transaction amount in the transaction record.

4. An electronic device, characterized in that: include: A processor, a memory and a communication bus, wherein the processor and the memory communicate with each other via the communication bus; The memory is used to store computer programs; The processor is used to execute the program stored in the memory to implement the transaction analysis method described in claim 1 or 2.

5. A computer-readable storage medium storing a computer program, characterized in that: When the computer program is executed by a processor, the transaction analysis method according to claim 1 or 2 is implemented.

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