Account risk detection method and device, equipment and medium

Abstract

The embodiment of the invention discloses an account risk detection method and device, equipment and a medium. The method comprises the following steps: when a client of a first mechanism receives a service request, acquiring first customer information in the service request; acquiring account information of a second institution and second customer information from a central institution based on the first customer information; wherein the second mechanisms are a plurality of mechanisms which do not include the first mechanism; inputting the account information and / or the second customer information into a risk detection model to obtain a risk detection result of the customer; wherein the risk detection model is obtained from the first mechanism; and processing the service request according to the risk detection result, and feeding back a processing result to the central mechanism. According to the technical scheme, the service request is processed according to the result of risk detection on the account, the account risk identification capability is improved, and the cross-organization account monitoring and risk information sharing efficiency is improved.

Description

Technical Field

[0001] The present invention relates to the field of information technology, and in particular to an account risk detection method, device, equipment and medium. Background Art

[0003] Currently, newly opened accounts are usually based on different banking institutions to avoid the risks caused by a single bank's due diligence on customers when opening accounts. Since the accounts and customer data of different banks are stored in their own institutions, the data between different institutions cannot be interoperable, allowing criminals to exploit loopholes in data barriers to carry out illegal activities. Therefore, there is an urgent need for an account risk detection method to determine the risk status of newly opened accounts. Summary of the invention

[0004] The present invention provides an account risk detection method, device, equipment and medium, which processes business requests based on the results of risk detection on an account number, improves the ability to identify account risks, and enhances the efficiency of cross-institutional account monitoring and risk information sharing.

[0005] According to one aspect of the present invention, there is provided an account risk detection method, comprising:

[0006] When the client of the first institution receives the service request, the client obtains the first customer information in the service request;

[0007] Based on the first customer information, obtaining the account information and second customer information of the second institution from the central institution; wherein the second institution is a plurality of institutions excluding the first institution; and the first customer information corresponds to the account of the account information;

[0008] Inputting the account information and / or the second customer information into a risk detection model to obtain a risk detection result of the customer; wherein the risk detection model is obtained from the first institution;

[0009] The business request is processed according to the risk detection result, and the processing result is fed back to the central agency.

[0010] According to another aspect of the present invention, there is provided an account risk detection device, comprising:

[0011] A first information acquisition module, used for acquiring first customer information in a business request when a client of the first institution receives the business request;

[0012] A second information acquisition module, configured to acquire account information and second customer information of a second institution from a central institution based on the first customer information; wherein the second institution is a plurality of institutions excluding the first institution;

[0013] a risk detection module, configured to input the account information and / or the second customer information into a risk detection model to obtain a risk detection result of the customer; wherein the risk detection model is obtained from the first institution;

[0014] A business processing module is used to process the business request according to the risk detection result and feed back the processing result to the central agency.

[0015] According to another aspect of the present invention, an electronic device is provided, the electronic device comprising:

[0016] at least one processor; and

[0017] a memory communicatively connected to the at least one processor; wherein,

[0018] The memory stores a computer program executable by the at least one processor, and the computer program is executed by the at least one processor so that the at least one processor can execute the account risk detection method described in any embodiment of the present invention.

[0019] According to another aspect of the present invention, a computer-readable storage medium is provided, wherein the computer-readable storage medium stores computer instructions, and the computer instructions are used to enable a processor to implement the account risk detection method described in any embodiment of the present invention when executed.

[0020] The technical solution of the embodiment of the present invention is as follows: when the client of the first institution receives the business request, the first customer information in the business request is obtained; based on the first customer information, the account information and the second customer information of the second institution are obtained from the central institution; wherein the second institution is a plurality of institutions excluding the first institution; the account information and / or the second customer information are input into the risk detection model to obtain the risk detection result of the customer; wherein the risk detection model is obtained from the first institution; the business request is processed according to the risk detection result, and the processing result is fed back to the central institution. This technical solution processes the business request by the result of risk detection on the account, improves the ability to identify account risks, and enhances the efficiency of cross-institutional account monitoring and risk information sharing.

[0021] It should be understood that the contents described in this section are not intended to identify the key or important features of the embodiments of the present invention, nor are they intended to limit the scope of the present invention. Other features of the present invention will become easily understood through the following description. BRIEF DESCRIPTION OF THE DRAWINGS

[0022] In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the following briefly introduces the drawings required for use in the description of the embodiments. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work.

[0023] Figure 1 is a flow chart of an account risk detection method provided according to Embodiment 1 of the present invention;

[0024] Figure 2 is a flow chart of an account risk detection method provided according to Embodiment 2 of the present invention;

[0025] Figure 3 This is a schematic diagram of the structure of an account risk detection device provided according to Embodiment 3 of the present invention;

[0026] Figure 4 It is a schematic diagram of the structure of an electronic device provided according to Embodiment 4 of the present invention. DETAILED DESCRIPTION

[0027] In order to enable those skilled in the art to better understand the scheme of the present invention, the technical scheme in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of the present invention.

[0028] It should be noted that the terms "first", "second", etc. in the specification and claims of the present invention 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 interchanged where appropriate, so that the embodiments of the present invention described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any variations thereof are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device that includes a series of steps or units is not necessarily limited to those steps or units that are clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0029] Embodiment 1

[0030] Figure 1This is a flow chart of an account risk detection method provided according to the first embodiment of the present invention. This embodiment is applicable to the case of performing risk detection on an account for handling business. The method can be executed by an account risk detection device. The account risk detection device can be implemented in the form of hardware and / or software. The account risk detection device can be configured in an electronic device with data processing capabilities. Figure 1 As shown, the method includes:

[0031] S110. When the client of the first institution receives a service request, the client obtains the first customer information in the service request.

[0032] Among them, the first institution can be understood as the bank institution where the current user handles the business. The business request can be a request for opening an account or other business requests handled by the user. The business request can include basic customer information corresponding to the required business. The first customer information can be understood as the customer information corresponding to the business in the business request. In this embodiment, it can be the basic customer information corresponding to the customer when the customer handles the account opening business in the bank institution.

[0033] In this embodiment, when a customer opens an account at the bank where the customer currently conducts business, the client of the bank receives the customer's account opening request and can obtain the basic information of the customer required for account opening in the account opening request.

[0034] S120. Obtain the account information of the second institution and the second customer information from the central institution based on the first customer information.

[0035] The second institution is a plurality of institutions that do not include the first institution. The central institution may be a pre-established institution that can uniformly obtain the basic customer information, basic account information, and bank card opening, cancellation, activation, card replacement data, customer risk and other data of each banking institution. The second institution can be understood as the banking institutions other than the current banking institution handling the business that store information in the central institution. The account information can be understood as all account information of the customer corresponding to the business in other banking institutions. The second customer information can be understood as the customer information corresponding to the business in other banking institutions.

[0036] By way of example, the account information in this embodiment may include, but is not limited to, the total number of debit cards opened, the total number of credit cards opened, the total number of passbooks opened, the total number of dormant accounts, the total number of inactivated accounts, the total number of accounts opened in the past 3 days, the total number of accounts opened in the past 7 days, the total number of accounts closed in the past 3 days, the total number of accounts closed in the past 7 days, and the number of card number changes in the past 30 days; the second customer information may include, but is not limited to, the number of mobile phone number changes in the past 30 days, the number of institutions where the customer has opened accounts in the past 7 days, the customer's risk information in other banks, the pass / suspend results of the customer's account opening in other banks, the customer's ID type, the customer's ID number, and the customer's name.

[0037] In this embodiment, when a customer opens an account at a bank, based on the first customer information corresponding to the customer's account opening, the online interface of the central agency can be called to obtain the account information of the first customer information in other banks and the second customer information.

[0038] S130: Input the account information and / or the second customer information into the risk detection model to obtain the customer's risk detection result.

[0039] The risk detection model is obtained from the first institution. The risk detection model may be a pre-built memory learning model or a neural network model, which is used to detect the risk level of the corresponding customer based on the input customer information or account information. The risk detection model in this embodiment may be the risk detection model of the institution handling the business. Each banking institution has its own risk detection model, and its risk detection detection standards and input information can be set according to the needs of each banking institution, which is not limited in this embodiment.

[0040] In this embodiment, after obtaining the account information and the second customer information shared in the central institution, the account information and / or the second customer information are input into the risk detection model of the bank to obtain the corresponding customer risk detection result. In this embodiment, the customer risk analysis can be performed by constructing each single feature in the account information and / or the second customer information or inputting their combined features into the risk detection model to obtain the corresponding risk detection result.

[0041] S140. Process the business request according to the risk detection result, and feed back the processing result to the central agency.

[0042] In this embodiment, the risk detection results output by the risk detection model can be applied to the business request of the account opening behavior, and the business request for account opening can be decided based on the risk detection results, and the result of whether to open the account can be fed back to the central agency. In this embodiment, the account opening can be suspended or released according to different risk detection results, and the result data can be returned to the central agency to form an account risk verification closed loop. The verification results can be used as an important basis for risk judgment of other banks and applied to iterative optimization of other banks' risk models.

[0043] In this embodiment, optionally, it also includes: when the client detects that the account information has changed, uploading the corresponding change data to the central agency according to the set reporting method, so that the central agency can store it.

[0044] The setting of the reporting method may include an online reporting method and a batch reporting method. In this embodiment, the method for banks to upload information to the central agency includes an online reporting method and a batch reporting method. The timeliness of the online reporting method is higher than that of the batch reporting method. Optionally, the online reporting timeliness is T+1 hour, and the batch reporting timeliness is T+1 day.

[0045] In this embodiment, when the client detects that the account information is changed, it may refer to the situation that the bank account has a new account opening, account cancellation and account information change scenario. The change data can be understood as the corresponding changed data. Specifically, in this embodiment, when the bank account is added, cancelled, or the information is changed, the client needs to push the corresponding change data to the central agency according to the set reporting method so that the central agency can store it. Exemplarily, the corresponding change data may include operation type, account number, card type, account status, account balance, card opening date, card cancellation date, customer name, customer ID type, customer ID number, and customer mobile phone number. The optional values ​​of operation type are: 0-opening account, 1-cancelling account, 2-changing. The optional values ​​of card type are: 0-debit card, 1-credit card, 2-passbook, etc. The optional values ​​of account status are: 0-normal, 1-cancelling account, 2-dormant account, 3-inactivated.

[0046] At the same time, in this embodiment, if the risk account information discovered by the internal risk detection model of a bank client can be synchronized to the central agency, the optional field information is as follows: risk account number, risk level, risk information description and other information.

[0047] Through such a setting in this embodiment, a central agency can be established to upload the data of each banking institution to the central agency when it changes, thereby breaking down data barriers and achieving multi-dimensional data interoperability and sharing of fraud risk information among financial institutions.

[0048] In this embodiment, optionally, setting the reporting method includes an online reporting method; uploading the corresponding change data to the central agency according to the set reporting method, including: uploading the corresponding change data to the central agency according to the online reporting method, and using the data successfully reported online as the online reporting data.

[0049] Among them, the online reporting method can be understood as a method of transmitting data by calling an interface in real time. The online reporting data can be understood as the data successfully uploaded to the central agency by various institutions through the online reporting method.

[0050] In this embodiment, the corresponding account change data or risk change data can be uploaded to the central agency in a real-time calling interface, and the data successfully uploaded to the central agency is used as online reporting data.

[0051] Through such a setting in this embodiment, the change data can be uploaded to the central agency in real time through online reporting, thereby improving the efficiency of the central agency in obtaining the latest data.

[0052] In this embodiment, optionally, setting the reporting method also includes a batch reporting method; uploading the corresponding change data to the central agency according to the set reporting method, including: obtaining the previous day's account change data and full data of risk detection results and online reporting data; comparing the online reporting data with the full data to obtain the difference data; uploading the difference data to the central agency in batch reporting.

[0053] Among them, the batch reporting method can be a method of transmitting data through file transfer, for example, file transfer can be performed through the SFTP protocol. In this embodiment, the time for batch reporting can be uploaded according to the daily time limit. The risk detection result can be obtained through the risk detection model. The full data can refer to all data involved in the account changes that occurred in the previous day and the risk detection results obtained through the risk detection model. The difference data can be understood as data that is different from the online reporting. The difference data can be data that failed to be reported online or data that was not reported online.

[0054] In this embodiment, the batch reporting method is initiated at midnight on the second day. First, the full data of the account information change data and risk detection result information of the previous day is obtained, and the online reporting data that has been successfully submitted is obtained, and the full data is compared with the online reporting data to obtain the difference data, and then the difference data is packaged into a file format and transmitted to the central agency through the SFTP protocol.

[0055] In this embodiment, by setting up two different data reporting methods, if the online reporting causes data loss due to factors such as network jitter, the bank can automatically make a batch supplementary report on the second day, and report the data that failed to be reported online in the form of batch files, thereby improving the reliability and accuracy of data upload, as well as the comprehensiveness of central agency data.

[0056] The technical solution of the embodiment of the present invention is as follows: when the client of the first institution receives the business request, the first customer information in the business request is obtained; based on the first customer information, the account information and second customer information of the second institution are obtained from the central institution; wherein the second institution is a plurality of institutions excluding the first institution; the account information and / or the second customer information are input into the risk detection model to obtain the risk detection result of the customer; wherein the risk detection model is obtained from the first institution; the business request is processed according to the risk detection result, and the processing result is fed back to the central institution. This technical solution processes the business request by the result of risk detection on the account, improves the ability to identify account risks, and enhances the efficiency of cross-institutional account monitoring and risk information sharing.

[0057] Embodiment 2

[0058] Figure 2 This is a flow chart of an account risk detection method provided according to the second embodiment of the present invention. This embodiment is optimized based on the above embodiment. The specific optimization is: inputting the account information and / or the second customer information into the risk detection model to obtain the customer's risk detection result, including: inputting the account information and / or the second customer information into the risk detection model, and determining the customer's risk detection result based on the account information and / or the second customer information and the set threshold; wherein the set threshold is determined based on the risk detection model. Figure 2 As shown, the method includes:

[0059] S210. When the client of the first institution receives a service request, the client obtains the first customer information in the service request.

[0060] S220. Obtain the account information of the second institution and the second customer information from the central institution based on the first customer information.

[0061] The second institution is a plurality of institutions that do not include the first institution, and the risk detection model is obtained from the first institution.

[0062] S230: Input the account information and / or the second customer information into the risk detection model, and determine the risk detection result of the customer based on the account information and / or the second customer information and a set threshold.

[0063] The threshold is determined based on the risk detection model. In this embodiment, the threshold can be set according to the different needs of different institutions. For example, some institutions pursue more robustness, and their corresponding threshold can be set lower; if it is a commercial bank institution that pays more attention to business, its corresponding threshold can be set higher, and it can be set according to the actual needs of the institution.

[0064] The risk detection model in this embodiment can set different input information according to the actual needs of each institution. The input information can be a single feature to obtain a combined feature. A single feature can be understood as a single feature in the account information or a single feature in the customer information; a combined feature can be understood as a combination of different feature indicators in the account information as input information or a combination of different feature indicators in the customer information as input information, or a combination of the information contained in the account information and the customer information as input information.

[0065] In this embodiment, a single feature or a combined feature in the account information and / or the second customer information is input into the risk detection model, and the corresponding risk level data is determined as the risk detection result for the customer based on the comparison between the single feature or the combined feature in the input account information and / or the second customer information and the different thresholds set in the risk detection model.

[0066] In this embodiment, optionally, the risk detection result includes a risk level; the account information includes account opening data and risk information of a second institution; the risk detection result of the customer is determined based on the account information and / or the second customer information and a set threshold, including: if the account opening data is greater than a first set threshold, the risk level is increased by a first set value; if the customer has risk information of a second institution, the risk level is increased by a second set value; and / or, if the second customer information is inconsistent with the first customer information, the risk level is increased by a second set value; the risk detection result of the customer is determined based on the first set value and the second set value.

[0067] Among them, the first set threshold value can be a data threshold value corresponding to the account opening data. In this embodiment, the first set threshold value can be 10, and can also be set according to actual needs. The first set value and the second set value can be set values. In this embodiment, the first set value can be 1. The second set value can be 2.

[0068] In this embodiment, if the account opening data included in the account information is greater than 10, the risk level of the customer is increased by 1. If the customer information exists in other different banking institutions, the risk level of the customer is increased by 2. And if the basic information of the corresponding customer obtained from other different banking institutions is not completely consistent with the customer information corresponding to the banking institution currently handling the business needs, the risk level corresponding to the customer is increased by 2; wherein the basic information may include information such as the customer's ID type, ID number, and name. In this embodiment, different risk level superposition values ​​can be set according to different selected account information and / or different customer information to determine the risk detection result of the customer.

[0069] Optionally, the user's initial risk level is 0. If the total number of accounts opened exceeds threshold N1, the risk level is increased by 1; if the number of dormant accounts exceeds threshold N2, the risk level is increased by 1; if the number of account openings (closings) in the past three days exceeds threshold N3, the risk level is increased by 1; if there is risk information about the customer from other banks, the risk level is increased by 2; if another bank suspends the customer's account opening, the risk level is increased by 2; if the customer's ID type + ID number + name that opens an account in this bank does not correspond to the other bank's information shared by the central agency, the risk level is increased by 2; if the shared account contains a blacklist of fraud-related accounts issued by the public security agency, the risk level is increased by 3. Among them, the three thresholds of threshold N1, threshold N2 and threshold N3 can be in a gradually decreasing relationship. For example, threshold N1 can be 10, threshold N2 can be 5, and threshold N3 can be 3.

[0070] In this embodiment, a specific method of determining the risk detection result of the customer according to the first set value and the second set value can be to accumulate different set values ​​corresponding to the determined risk level to obtain the final risk level, that is, to obtain the risk detection result.

[0071] In this embodiment, through such a setting, through the risk data of other banks' risk information shared by the central agency, a single feature or a combination of features is constructed to conduct risk analysis of the customer account opening process. If a customer frequently opens accounts in various banks and the time interval between account openings is short, the risk level of the customer is high; if another bank refuses to open an account for the customer based on the shared information, the risk level of the customer is high; if the customer's bank account is on the blacklist of fraud-related accounts issued by the public security agency, the risk level of the customer is high; if the customer's ID type, ID number, and customer name shared by another bank are not consistent with those of the bank's account opening, the risk level of the customer is high, etc. Different account information can be set to correspond to different risk level parameters, thereby determining the final risk level result as a reference for whether to process the business request, thereby improving the risk identification ability of the account opening process, further strengthening the source governance of accounts, and improving the efficiency of cross-institutional risk monitoring and risk information sharing.

[0072] S240. Process the business request according to the risk detection result, and feed back the processing result to the central agency.

[0073] In this embodiment, optionally, processing a business request according to the risk detection result includes: when the risk level is greater than or equal to the risk threshold, suspending the business request; when the risk level is less than the risk threshold, passing the business request.

[0074] The risk threshold may be pre-set and may be set according to actual needs. For example, in this embodiment, the risk threshold may be a value such as 4, 5, 6 or 7. The suspension operation may be understood as suspending the business request of the customer and not processing the account opening business for the customer.

[0075] In this embodiment, when the final risk level is greater than or equal to the risk threshold, the bank of the current client can suspend the customer's account opening behavior. When the risk level is less than the risk threshold, the customer's account opening behavior can be approved.

[0076] In this embodiment, such a setting is used to break down the customer and account information barriers between different institutions. When a new account is opened, the relevant account opening, account information and risk information of other banks about this customer stored by the central institution are obtained through an online interface, and combined with the risk model of this institution to determine whether the customer is a risky customer. According to different judgment results, the account opening is suspended or released, and the result data is returned to the central institution, forming an account risk verification closed loop. The verification results can be used as an important basis for risk judgment of other banks and applied to the iterative optimization of other banks' risk models.

[0077] The technical solution of the embodiment of the present invention is as follows: when the client of the first institution receives the business request, the first customer information in the business request is obtained; based on the first customer information, the account information and second customer information of the second institution are obtained from the central institution; wherein the second institution is a plurality of institutions excluding the first institution; the account information and / or the second customer information are input into the risk detection model, and the risk detection result of the customer is determined based on the account information and / or the second customer information and the set threshold; the business request is processed according to the risk detection result, and the processing result is fed back to the central institution. This technical solution processes the business request by the result of risk detection of the account, improves the ability to identify account risks, and enhances the efficiency of cross-institutional account monitoring and risk information sharing.

[0078] Embodiment 3

[0079] Figure 3 Schematic diagram of the structure of an account risk detection device provided according to Embodiment 3 of the present invention. Figure 3 As shown, the device comprises:

[0080] The first information acquisition module 310 is used to acquire the first customer information in the service request when the client of the first organization receives the service request;

[0081] A second information acquisition module 320, configured to acquire account information and second customer information of a second institution from a central institution based on the first customer information; wherein the second institution is a plurality of institutions excluding the first institution;

[0082] A risk detection module 330 is used to input the account information and / or the second customer information into a risk detection model to obtain a risk detection result of the customer; wherein the risk detection model is obtained from the first institution;

[0083] The business processing module 340 is used to process business requests according to risk detection results and feed back the processing results to the central agency.

[0084] Optionally, the account risk detection device further includes:

[0085] The data upload module is used to upload the corresponding change data to the central agency in accordance with the set reporting method when the client detects that the account information has changed, so that the central agency can store it.

[0086] Optionally, setting the reporting method includes online reporting method;

[0087] The data upload module is specifically used to upload the corresponding change data to the central agency in an online reporting manner, and use the data that has been successfully reported online as the online reporting data.

[0088] Optionally, setting the submission method also includes a batch submission method;

[0089] The data upload module is specifically used to obtain the previous day's account change data and the full data of risk detection results and the online reporting data; compare the online reporting data with the full data to obtain the difference data; and upload the difference data to the central agency in batch reporting.

[0090] Optionally, the risk detection module 330 includes:

[0091] The risk detection unit is used to input the account information and / or the second customer information into the risk detection model, and determine the risk detection result of the customer based on the account information and / or the second customer information and a set threshold; wherein the set threshold is determined based on the risk detection model.

[0092] Optionally, the risk detection result includes a risk level; the account information includes account opening data and risk information of the second institution;

[0093] The risk detection unit is specifically used to increase the risk level by a first set value if the account opening data is greater than a first set threshold; if the customer has risk information of a second institution, the risk level is increased by a second set value; and / or, if the second customer information is inconsistent with the first customer information, the risk level is increased by a second set value; determine the customer's risk detection result based on the first set value and the second set value.

[0094] Optionally, the business processing module 340 is specifically used to suspend the business request when the risk level is greater than or equal to the risk threshold; and to approve the business request when the risk level is less than the risk threshold.

[0095] An account risk detection device provided by an embodiment of the present invention can execute an account risk detection method provided by any embodiment of the present invention, and has functional modules and beneficial effects corresponding to the execution method.

[0096] Embodiment 4

[0097] Figure 4 1 is a schematic diagram of the structure of an electronic device provided according to Embodiment 4 of the present invention. The electronic device 10 is intended to represent various forms of digital computers, such as laptop computers, desktop computers, workstations, personal digital assistants, servers, blade servers, mainframe computers, and other suitable computers. The electronic device may also represent various forms of mobile devices, such as personal digital processing, cellular phones, smart phones, wearable devices (such as helmets, glasses, watches, etc.) and other similar computing devices. The components shown herein, their connections and relationships, and their functions are merely examples and are not intended to limit the implementation of the present invention described and / or required herein.

[0098] like Figure 4 As shown, the electronic device 10 includes at least one processor 11, and a memory connected to the at least one processor 11, such as a read-only memory (ROM) 12, a random access memory (RAM) 13, etc., wherein the memory stores a computer program that can be executed by at least one processor, and the processor 11 can perform various appropriate actions and processes according to the computer program stored in the read-only memory (ROM) 12 or the computer program loaded from the storage unit 18 to the random access memory (RAM) 13. In the RAM 13, various programs and data required for the operation of the electronic device 10 can also be stored. The processor 11, ROM 12 and RAM 13 are connected to each other through a bus 14. An input / output (I / O) interface 15 is also connected to the bus 14.

[0099] A number of components in the electronic device 10 are connected to the I / O interface 15, including: an input unit 16, such as a keyboard, a mouse, etc.; an output unit 17, such as various types of displays, speakers, etc.; a storage unit 18, such as a disk, an optical disk, etc.; and a communication unit 19, such as a network card, a modem, a wireless communication transceiver, etc. The communication unit 19 allows the electronic device 10 to exchange information / data with other devices through a computer network such as the Internet and / or various telecommunication networks.

[0100] The processor 11 may be a variety of general and / or special processing components with processing and computing capabilities. Some examples of the processor 11 include, but are not limited to, a central processing unit (CPU), a graphics processing unit (GPU), various special artificial intelligence (AI) computing chips, various processors running machine learning model algorithms, a digital signal processor (DSP), and any appropriate processor, controller, microcontroller, etc. The processor 11 executes the various methods and processes described above, such as the account risk detection method.

[0101] In some embodiments, the account risk detection method may be implemented as a computer program, which is tangibly contained in a computer-readable storage medium, such as a storage unit 18. In some embodiments, part or all of the computer program may be loaded and / or installed on the electronic device 10 via the ROM 12 and / or the communication unit 19. When the computer program is loaded into the RAM 13 and executed by the processor 11, one or more steps of the account risk detection method described above may be performed. Alternatively, in other embodiments, the processor 11 may be configured to execute the account risk detection method in any other appropriate manner (e.g., by means of firmware).

[0102] Various implementations of the systems and techniques described above herein can be implemented in digital electronic circuit systems, integrated circuit systems, field programmable gate arrays (FPGAs), application specific integrated circuits (ASICs), application specific standard products (ASSPs), systems on chips (SOCs), load programmable logic devices (CPLDs), computer hardware, firmware, software, and / or combinations thereof. These various implementations can include: being implemented in one or more computer programs that can be executed and / or interpreted on a programmable system including at least one programmable processor, which can be a special purpose or general purpose programmable processor that can receive data and instructions from a storage system, at least one input device, and at least one output device, and transmit data and instructions to the storage system, the at least one input device, and the at least one output device.

[0103] Computer programs for implementing the methods of the present invention may be written in any combination of one or more programming languages. These computer programs may be provided to a processor of a general-purpose computer, a special-purpose computer, or other programmable data processing device, so that when the computer program is executed by the processor, the functions / operations specified in the flow chart and / or block diagram are implemented. The computer program may be executed entirely on the machine, partially on the machine, partially on the machine and partially on a remote machine as a stand-alone software package, or entirely on a remote machine or server.

[0104] In the context of the present invention, a computer-readable storage medium may be a tangible medium that may contain or store a computer program for use by or in combination with an instruction execution system, device or equipment. A computer-readable storage medium may include, but is not limited to, electronic, magnetic, optical, electromagnetic, infrared, or semiconductor systems, devices or equipment, or any suitable combination of the foregoing. Alternatively, a computer-readable storage medium may be a machine-readable signal medium. A more specific example of a machine-readable storage medium may include an electrical connection based on one or more lines, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.

[0105] To provide interaction with a user, the systems and techniques described herein may be implemented on an electronic device having: a display device (e.g., a CRT (cathode ray tube) or LCD (liquid crystal display) monitor) for displaying information to the user; and a keyboard and a pointing device (e.g., a mouse or trackball) through which the user can provide input to the electronic device. Other types of devices may also be used to provide interaction with the user; for example, the feedback provided to the user may be any form of sensory feedback (e.g., visual feedback, auditory feedback, or tactile feedback); and input from the user may be received in any form (including acoustic input, voice input, or tactile input).

[0106] The systems and techniques described herein may be implemented in a computing system that includes backend components (e.g., as a data server), or a computing system that includes middleware components (e.g., an application server), or a computing system that includes frontend components (e.g., a user computer with a graphical user interface or a web browser through which a user can interact with implementations of the systems and techniques described herein), or a computing system that includes any combination of such backend components, middleware components, or frontend components. The components of the system may be interconnected by any form or medium of digital data communication (e.g., a communication network). Examples of communication networks include: a local area network (LAN), a wide area network (WAN), a blockchain network, and the Internet.

[0107] A computing system may include a client and a server. The client and the server are generally remote from each other and usually interact through a communication network. The client and server relationship is generated by computer programs running on the corresponding computers and having a client-server relationship with each other. The server may be a cloud server, also known as a cloud computing server or cloud host, which is a host product in the cloud computing service system to solve the defects of difficult management and weak business scalability in traditional physical hosts and VPS services.

[0108] It should be understood that the various forms of processes shown above can be used to reorder, add or delete steps. For example, the steps described in the present invention can be executed in parallel, sequentially or in different orders, as long as the desired results of the technical solution of the present invention can be achieved, and this document does not limit this.

[0109] The above specific implementations do not constitute a limitation on the protection scope of the present invention. It should be understood by those skilled in the art that various modifications, combinations, sub-combinations and substitutions can be made according to design requirements and other factors. Any modification, equivalent substitution and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.

Claims

1. An account risk detection method, characterized in that: include: When the client of the first institution receives the service request, the client obtains the first customer information in the service request; Based on the first customer information, obtaining account information and second customer information of a second institution from a central institution; wherein the second institution is a plurality of institutions excluding the first institution; Inputting the account information and / or the second customer information into a risk detection model to obtain a risk detection result of the customer; wherein the risk detection model is obtained from the first institution; The business request is processed according to the risk detection result, and the processing result is fed back to the central agency.

2. The method according to claim 1, characterized in that Also includes: When the client detects that the account information has changed, the corresponding change data is uploaded to the central agency according to the set reporting method, so that the central agency can store it.

3. The method according to claim 2, characterized in that The setting reporting method includes an online reporting method; Upload the corresponding change data to the central agency according to the set reporting method, including: Upload the corresponding change data to the central agency in the online reporting method, and use the data successfully submitted online as the online reporting data.

4. The method according to claim 3, characterized in that The set submission method also includes a batch submission method; Upload the corresponding change data to the central agency according to the set reporting method, including: Obtain the previous day's account change data and full data of risk detection results and the online reporting data; Comparing the online submitted data with the full amount data to obtain difference data; The difference data shall be uploaded to the central agency in batch reporting.

5. The method according to claim 1, characterized in that Inputting the account information and / or the second customer information into a risk detection model to obtain a risk detection result of the customer includes: The account information and / or the second customer information are input into a risk detection model, and a risk detection result of the customer is determined based on the account information and / or the second customer information and a set threshold; wherein the set threshold is determined based on the risk detection model.

6. The method according to claim 5, characterized in that The risk detection result includes the risk level; the account information includes the account opening data and the risk information of the second institution; Determining a risk detection result of the customer based on the account information and / or the second customer information and a set threshold includes: If the account opening data is greater than a first set threshold, the risk level is increased by a first set value; If the customer has risk information of the second institution, the risk level is increased by a second set value; and / or if the second customer information is inconsistent with the first customer information, the risk level is increased by the second set value; A risk detection result of the customer is determined according to the first set value and the second set value.

7. The method according to claim 6, characterized in that Processing the business request according to the risk detection result includes: When the risk level is greater than or equal to the risk threshold, suspending the service request; When the risk level is less than the risk threshold, the service request is approved.

8. An account risk detection device, characterized in that: include: A first information acquisition module, used for acquiring first customer information in a business request when a client of the first institution receives the business request; A second information acquisition module, configured to acquire account information and second customer information of a second institution from a central institution based on the first customer information; wherein the second institution is a plurality of institutions excluding the first institution; a risk detection module, configured to input the account information and / or the second customer information into a risk detection model to obtain a risk detection result of the customer; wherein the risk detection model is obtained from the first institution; A business processing module is used to process the business request according to the risk detection result and feed back the processing result to the central agency.

9. An electronic device, characterized in that: The electronic device comprises: at least one processor; and a memory communicatively connected to the at least one processor; wherein, The memory stores a computer program executable by the at least one processor, and the computer program is executed by the at least one processor so that the at least one processor can execute the account risk detection method according to any one of claims 1 to 7.

10. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer instructions, and the computer instructions are used to enable a processor to implement the account risk detection method according to any one of claims 1 to 7 when executed.

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