Data Processing Method, Apparatus, Device, and Storage Medium

Abstract

An embodiment of the present application discloses a data processing method, apparatus, device, and storage medium. The method may include: obtaining first-type resource transfer data and acquiring M first resource transfer-out accounts and W first resource transfer-in accounts participating in the first-type resource transfer from the first-type resource transfer data; obtaining second-type resource transfer data and acquiring an N-level associated account set from the second-type resource transfer data; resource transfer from the accounts in the (i + 1)-th level associated account set to the accounts in the i-th level associated account set; constructing an account association graph based on the W first resource transfer-in accounts, the M first resource transfer-out accounts, and the N-level associated account set; and performing preset resource transfer risk control on the first-type resource transfer based on the account association graph. Using the embodiment of the present application improves the accuracy of the preset resource transfer risk control.

Description

Technical Field

[0001] This application relates to the field of computer technology, and in particular, to a data processing method, a data processing device, a data processing equipment, and a computer-readable storage medium. Background Art

[0002] With the development of technology, various illegal activities using the Internet have increased day by day. For example, cross-border remittance money laundering. Cross-border remittance refers to the business of individual online banking customers making foreign exchange remittances to payees with bank accounts in overseas regions within the specified limits. Money laundering is usually an act of legalizing illegal income. Cross-border remittance money laundering is an act of laundering money through cross-border remittances. To prevent the continuous occurrence of such illegal activities as cross-border remittance money laundering, it is necessary to promptly identify the risks of cross-border remittance money laundering and control suspicious money laundering accounts. Currently, usually, the resource transfers between all online resource transfer accounts are statistically analyzed through data association tables, and the risks of cross-border remittance money laundering are identified based on the data association tables. However, when there are a large number of accounts involved in resource transfers, identifying cross-border remittance risks through data association tables is often inefficient and costly. Therefore, how to efficiently identify cross-border remittance risks has become one of the research hotspots. Summary of the Invention

[0003] Embodiments of this application provide a data processing method, device, equipment, and medium, which perform pre-set resource transfer risk control on the first type of resource transfers based on an account association graph, improving the efficiency of pre-set resource transfer risk control.

[0004] On the one hand, embodiments of this application provide a data processing method, which includes:

[0005] Obtain the first type of resource transfer data, and obtain M first resource transfer-out accounts participating in the first type of resource transfers and W first resource transfer-in accounts participating in the first type of resource transfers from the first type of resource transfer data; both M and W are integers greater than or equal to 1;

[0006] Obtain the second type of resource transfer data, and obtain the N-level associated account set of the M first resource transfer-out accounts from the second type of resource transfer data; in the N-level associated account set, the accounts in the (i + 1)-th level associated account set transfer resources to the accounts in the i-th level associated account set, where i is a positive integer greater than or equal to 0 and less than or equal to N - 1;

[0007] Construct an account association graph based on the W first resource transfer-in accounts, the M first resource transfer-out accounts, and the N-level associated account set;

[0008] Perform pre-set resource transfer risk control on the first type of resource transfers based on the account association graph.

[0009] On the one hand, an embodiment of the present application provides a data processing device, which includes:

[0010] An acquisition unit, configured to acquire first-class resource transfer data, and acquire M first resource transfer-out accounts participating in the first-class resource transfer and W first resource transfer-in accounts participating in the first-class resource transfer from the first-class resource transfer data; both M and W are integers greater than or equal to 1;

[0011] The acquisition unit is further configured to acquire second-class resource transfer data, and acquire an N-level associated account set of the M first resource transfer-out accounts from the second-class resource transfer data; in the N-level associated account set, the accounts in the (i + 1)-th level associated account set transfer resources to the accounts in the i-th level associated account set, where i is greater than or equal to 0 and less than or equal to N - 1;

[0012] A construction unit, configured to construct an account association graph based on the W first resource transfer-in accounts, the M first resource transfer-out accounts, and the N-level associated account set;

[0013] A processing unit, configured to perform preset resource transfer risk control on the first-class resource transfer based on the account association graph.

[0014] On the one hand, an embodiment of the present application provides a data processing device, which includes:

[0015] A processor, adapted to execute a computer program;

[0016] A computer-readable storage medium, in which a computer program is stored, and when the computer program is executed by the processor, it performs:

[0017] Acquire first-class resource transfer data, and acquire M first resource transfer-out accounts participating in the first-class resource transfer and W first resource transfer-in accounts participating in the first-class resource transfer from the first-class resource transfer data; both M and W are integers greater than or equal to 1;

[0018] Acquire second-class resource transfer data, and acquire an N-level associated account set of the M first resource transfer-out accounts from the second-class resource transfer data; in the N-level associated account set, the accounts in the (i + 1)-th level associated account set transfer resources to the accounts in the i-th level associated account set, where i is a positive integer greater than or equal to 0 and less than or equal to N - 1;

[0019] Construct an account association graph based on the W first resource transfer-in accounts, the M first resource transfer-out accounts, and the N-level associated account set;

[0020] Perform preset resource transfer risk control on the first-class resource transfer based on the account association graph.

[0021] On the other hand, an embodiment of the present application provides a computer-readable storage medium storing a computer program, which is adapted to be loaded and executed by a processor to:

[0022] Obtain first-class resource transfer data, and obtain M first resource transfer-out accounts participating in the first-class resource transfer and W first resource transfer-in accounts participating in the first-class resource transfer from the first-class resource transfer data; both M and W are integers greater than or equal to 1;

[0023] Obtain second-class resource transfer data, and obtain an N-level associated account set of the M first resource transfer-out accounts from the second-class resource transfer data; in the N-level associated account set, the accounts in the (i + 1)-th level associated account set transfer resources to the accounts in the i-th level associated account set, where i is a positive integer greater than or equal to 0 and less than or equal to N - 1;

[0024] Construct an account association graph based on the W first resource transfer-in accounts, the M first resource transfer-out accounts, and the N-level associated account set;

[0025] Perform preset resource transfer risk control on the first-class resource transfer based on the account association graph.

[0026] On the one hand, an embodiment of the present application provides a computer program product or a computer program. The computer program product includes a computer program stored in a computer-readable storage medium. The processor of the data processing device reads the computer instruction from the computer-readable storage medium, and the processor executes the computer instruction to enable the data processing device to execute:

[0027] Obtain first-class resource transfer data, and obtain M first resource transfer-out accounts participating in the first-class resource transfer and W first resource transfer-in accounts participating in the first-class resource transfer from the first-class resource transfer data; both M and W are integers greater than or equal to 1;

[0028] Obtain second-class resource transfer data, and obtain an N-level associated account set of the M first resource transfer-out accounts from the second-class resource transfer data; in the N-level associated account set, the accounts in the (i + 1)-th level associated account set transfer resources to the accounts in the i-th level associated account set, where i is a positive integer greater than or equal to 0 and less than or equal to N - 1;

[0029] Construct an account association graph based on the W first resource transfer-in accounts, the M first resource transfer-out accounts, and the N-level associated account set;

[0030] Perform preset resource transfer risk control on the first-class resource transfer based on the account association graph.

[0031] In the embodiments of the present application, first type of resource transfer data is obtained, and M first resource transfer - out accounts participating in the first type of resource transfer are obtained from the first type of resource transfer data; and second type of resource transfer data is obtained, and an N - level associated account set of the M first resource transfer - out accounts is obtained. In the N - level associated account set, accounts in the (i + 1) - th level associated account set transfer resources to accounts in the i - th level associated account set, where i is an integer greater than or equal to 0 and less than or equal to N - 1. W first resource transfer - in accounts participating in the first type of resource transfer are obtained from the first type of resource transfer data, and an account association graph is constructed based on the W resource transfer - in accounts, the M first resource transfer - out accounts, and the N - level associated account set; and a preset resource transfer risk control is performed on the first type of resource transfer based on the account association graph. In the above data - processing process, the account association graph can clearly reflect the resource transfer relationships between various accounts, and performing a preset resource transfer risk control on the first type of resource transfer through the account association graph can improve the risk control efficiency. BRIEF DESCRIPTION OF THE DRAWINGS

[0032] In order to more clearly illustrate the technical solutions in the embodiments of the present application or the prior art, the following will briefly introduce the drawings required for use in the description of the embodiments or the prior art. Obviously, the following - described drawings are only some embodiments of the present application. For those of ordinary skill in the art, without creative efforts, other drawings can also be obtained based on these drawings.

[0033] Figure 1 is a schematic structural diagram of a resource transfer management system provided by an embodiment of the present invention;

[0034] Figure 2 is a schematic flowchart of a data - processing method provided by an embodiment of the present invention;

[0035] Figure 3 is one provided by an embodiment of the present invention;

[0036] Figure 4 is a schematic diagram of an account association graph provided by an embodiment of the present invention;

[0037] Figure 5 is a schematic flowchart of another data - processing method provided by an embodiment of the present invention;

[0038] Figure 6a is a schematic diagram of an associated sub - graph of a target account provided by an embodiment of the present invention;

[0039] Figure 6b is a schematic diagram of another associated sub - graph of a target account provided by an embodiment of the present invention;

[0040] Figure 7aIt is a schematic diagram of a resource transfer mode provided by an embodiment of the present invention;

[0041] Figure 7b It is a schematic diagram of another resource transfer mode provided by an embodiment of the present invention;

[0042] Figure 8 It is a schematic structural diagram of a data processing device provided by an embodiment of the present invention;

[0043] Figure 9 It is a schematic structural diagram of a data processing device provided by an embodiment of the present invention. Detailed implementation manners

[0044] Next, the technical solutions in the embodiments of the present application will be clearly and completely described in conjunction with the accompanying drawings in the embodiments of the present application. Obviously, the described embodiments are only a part of the embodiments of the present application, rather than all the embodiments. Based on the embodiments in the present application, all other embodiments obtained by those of ordinary skill in the art without creative efforts shall fall within the protection scope of the present application.

[0045] The embodiment of the present invention provides a data processing solution, which is mainly used for performing preset resource transfer risk control on the first type of resource transfer data. The first type of resource transfer data mainly includes cross-border remittances. Performing preset resource transfer risk control on cross-border remittances mainly refers to identifying and managing cross-border remittance money laundering. The data processing solution provided by the embodiment of the present invention can be executed by a data processing device, and the data processing device can be a terminal device or a server. Among them, the terminal device can include a smartphone, a tablet computer, a notebook computer, a desktop computer, a smart speaker, a smart watch, and a smart vehicle, etc.; the server can include an independent physical server, or a server cluster or a distributed system composed of multiple physical servers, or a cloud server providing basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, CDN, and big data and artificial intelligence platforms.

[0046] The data processing solution provided by the embodiment of the present invention can be applied to a resource transfer risk control system. Refer to Figure 1 which is a schematic structural diagram of a resource transfer risk control system provided by the embodiment of the present invention. In the Figure 1 system shown, it can include a data processing device 101 and a data storage device 102 for resource transfer data. The data processing device 101 and at least one data storage device 102 can be connected by wired or wireless means. Both the data processing device 101 and the data storage device 102 can be terminals, or both can be servers, or one can be a terminal and the other can be a server. In the Figure 1Taking the data processing device 101 as the terminal and the data storage device 102 as the server as an example for introduction.

[0047] The data storage device 102 is mainly used to store the first type of resource transfer data and the second type of resource transfer data. The first type of resource transfer data can be cross-border remittance data, and the second type of resource transfer data can be domestic remittance data. The data storage device 102 can be the back-end storage device of each bank. The first type of resource transfer data and the second type of resource transfer data can be uploaded by the same bank or different banks. The data in the data storage device 102 can also be submitted to the blockchain for storage. The blockchain is a new application mode of computer technologies such as distributed data storage, peer-to-peer transmission, consensus mechanism, and encryption algorithm. In essence, it is a decentralized database, a string of data blocks generated by using cryptographic methods. The distributed ledger concatenated by the blockchain can enable multiple parties to effectively record transactions and can permanently verify this transaction (cannot be tampered with). The data in the blockchain has the property of being non-tamperable. Storing map data in the blockchain can ensure the security of map data.

[0048] The data processing device 101 obtains the first type of resource transfer data from the data storage device 102 and analyzes the first type of resource transfer data to extract M resource transfer-out accounts and W resource transfer-in accounts participating in the first type of resource transfer from the first type of resource transfer data. Furthermore, the data processing device 101 obtains the second type of resource transfer data from the data storage device 102 and analyzes the second type of resource transfer data to extract the N-level associated account set of the M first resource transfer-out accounts. In the N-level associated account set, the accounts in the (i + 1)-th level associated account set transfer resources to the accounts in the i-th level associated account set, where the value of i is greater than or equal to 0 and less than or equal to N - 1. For example, the accounts in the second-level associated account set transfer resources to the accounts in the first-level associated account set.

[0049] Further, an account association graph is constructed based on W first resource transfer-in accounts, M first resource transfer-out accounts, and an N-level associated account set. The resource transfer relationships between various accounts can be reflected in the account association graph. For example, in the account association graph, it can be reflected that the accounts in the subsequent-level associated account set in the N-level associated account set transfer funds to the accounts in the previous-level associated account set, and the first-level associated accounts transfer resources to the M first resource transfer-out accounts, and the M first resource transfer-out accounts transfer resources to the W first resource transfer-in accounts, and so on. Then, the data processing device performs preset resource transfer risk management on the first type of resource transfer based on the account association graph. Assume that the first type of resource transfer refers to cross-border remittance, and the preset resource transfer risk refers to cross-border remittance money laundering. The preset resource transfer risk management may include identifying suspicious resource transfer-out accounts that may be involved in cross-border remittance money laundering in the second type of resource transfer data, and identifying resource transfer-in accounts participating in cross-border remittance in the first type of resource transfer, and so on. When the first type of resource transfer is cross-border remittance, performing preset resource transfer risk management on the first type of resource transfer based on the account association graph may include identifying money laundering accounts, identifying suspicious overseas transfer-in accounts, and identifying suspicious money laundering links. A money laundering link refers to the path of resource transfer when laundering illegal income. For example, transferring from a suspicious money laundering account A to account B, and then account B transfers to a suspicious overseas transfer-in account.

[0050] It should be understood that the resource transfer situation between each domestic remittance account and overseas remittance account can be reflected in the account association graph. Compared with the existing technology that represents the resource transfer between accounts through data association tables, the account association graph is more concise and clear. By analyzing the resource transfer rules between accounts in the account association graph, efficient preset resource transfer risk control for the first type of resource transfer can be achieved.

[0051] Based on the above resource transfer management system, an embodiment of the present invention provides a data processing method. Refer to Figure 2 , which is a schematic flowchart of a data processing method provided by an embodiment of the present invention. Figure 2 The data processing method shown can be executed by a data processing device, specifically by the processor of the data processing device. The data processing device can be a terminal, such as a smart phone, a tablet computer, a laptop computer, a desktop computer, a smart speaker, a smart watch, and a smart vehicle, etc.; the data processing device can also be a server, such as an independent physical server, or a server cluster or distributed system composed of multiple physical servers, or a cloud server providing basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, CDN, and big data and artificial intelligence platforms. Figure 2 The data processing method shown may include the following steps:

[0052] Step S201: Obtain the first type of resource transfer data, and from the first type of resource transfer data, obtain M first resource transfer - out accounts participating in the first type of resource transfer, and W first resource transfer - in accounts participating in the first type of resource transfer.

[0053] In one embodiment, the first type of resource transfer data can be data within a first time period obtained from at least one data storage device. The first time period can be any time period such as one month, one year, several months, several years, or several weeks, etc. The data storage device can refer to the background storage device of each bank or other storage devices of the bank. The first type of resource transfer data can refer to cross - border remittance data, and the first type of resource transfer data can include multiple resource transfer - out accounts (also referred to as payor accounts), multiple resource transfer - in accounts (also referred to as recipient accounts), the amount of resources transferred, the resource currency, the country where the resource transfer occurs, the resource transfer time, and the order number, etc.

[0054] Extract the multiple resource transfer accounts included in the first type of resource transfer data as the M first resource transfer - out accounts obtained from the first type of resource transfer data, and extract the multiple resource transfer - in accounts included in the first type of resource transfer data as the W first resource transfer - in accounts obtained from the first type of resource transfer data.

[0055] Step S202: Obtain the second type of resource transfer data, and from the second type of resource transfer data, obtain the N - level associated account set of the M first resource transfer - out accounts.

[0056] In one embodiment, the second type of resource transfer data can also be data within a second time period obtained from the data storage device. The second time period is obtained by adding a preset time before and after the first time period. The preset time can be any number of days such as 10 days, 14 days, 7 days, etc. For example, if the first time period is from May 10, 2021 to May 20, 2021, the second time period can be from May 1, 2021 to May 30, 2021. The reason for this is that in cross - border remittance money laundering, the money launderer may make payments to the resource transfer - out accounts for cross - border remittances in advance or postpone.

[0057] The second type of resource transfer data can refer to domestic remittance data, and the second type of resource transfer data can include multiple resource transfer - out accounts (also referred to as payment accounts), multiple resource transfer - in accounts, the amount of resources transferred, the resource transfer remarks, the resource transfer time, the resource transfer order number, etc.

[0058] In one embodiment, in the N-level associated account set, the accounts in the subsequent-level associated account set transfer resources to the accounts in the previous-level associated account set. For example, the accounts in the second-level associated account set transfer resources to the accounts in the first-level associated account set, and further, the accounts in the first-level associated account set transfer resources to the accounts in the zero-level associated account set. The accounts in the zero-level associated account set transfer resources to M first resource transfer-out accounts. It should be understood that the accounts in the zero-level associated account set transferring resources to M first resource transfer-out accounts means that any account in the zero-level associated account set transfers resources to any account in the M first resource transfer-out accounts.

[0059] In one embodiment, there are no identical accounts in the M first resource transfer-out accounts and the N-level associated account set. For example, any one of the M first resource transfer-out accounts does not belong to the N-level associated account set. Similarly, any one of the accounts in the N-level associated account set does not belong to the M first resource transfer-out accounts. Therefore, duplicate removal processing is performed when determining each level of the associated account set to avoid the accounts in the current-level associated account set belonging to the previous-level associated account set of the current level and belonging to the M first resource transfer-out accounts.

[0060] Below, it is assumed that the N-level associated account set includes the zero-level associated account set and the first-level associated account set. Obtaining the N-level associated account set of the M first resource transfer-out accounts from the second type of resource transfer data includes:

[0061] Obtaining at least one first-level associated account that transfers resources to the M first resource transfer-out accounts from the second type of resource transfer data; performing duplicate removal processing on the at least one zero-level associated account according to the M first resource transfer-out accounts, and storing the at least one zero-level associated account after duplicate removal processing into the zero-level associated account set; obtaining at least one first-level associated account that transfers resources to any account in the zero-level associated account set from the second type of resource transfer data; performing duplicate removal processing on the at least one first-level associated account according to the M first resource transfer-out accounts and each account in the first-level associated account set, and storing the at least one first-level associated account after duplicate removal processing into the first-level associated account.

[0062] The M first resource transfer-out accounts are not included in the zero-level associated accounts after duplicate removal processing. Similarly, the accounts in the zero-level associated account set and the M first resource transfer-out accounts are not included in the first-level associated accounts after duplicate removal processing.

[0063] Below, an example is used to introduce how to obtain the M first resource transfer-out accounts and the N-level associated account set. Refer to Figure 3 , which is a schematic diagram of account extraction provided by an embodiment of the present invention. InFigure 3 It is assumed that W first resource transfer-in accounts are obtained from the first type of resource transfer data and defined as V0; M first resource transfer-out accounts are obtained from the first type of resource transfer data and defined as V1. In an embodiment of the present invention, the data of the resource transfer from V1 to V0 in the second type of resource transfer data can be defined as D1. D1 can record the transfer time, the transferred resource quantity, the resource transfer order number, etc. for the resource transfer from V1 to V0. Then, the accounts that transfer resources to V1 are extracted from the second type of resource transfer data and defined as V2. V2 is added to the level-0 associated account set. Further, the data of the resource transfer from V2 to V1 in the second type of resource transfer data is defined as D2. The accounts that transfer resources to V2 are extracted from the second type of resource transfer data. After removing V1 and V2, the remaining accounts are defined as V3. V3 is added to the level-1 associated account set. Further, the data of the resource transfer from V3 to V2 in the second type of resource transfer data is defined as D3. The above process is executed cyclically. The accounts that transfer resources to Vn-1 are extracted. After removing V1, V2,..., Vn-1, they are defined as Vn. Vn is added to the level-N associated account set. Then, the data of the resource transfer from Vn to Vn-1 in the second type of resource transfer data is defined as Dn.

[0064] Step S203: Construct an account association graph based on the W first resource transfer-in accounts, the M first resource transfer-out accounts, and the level-N associated account set.

[0065] In one embodiment, the graph database of the account association graph can adopt an open-source graph database such as Neo4j, S2graph, Nebula Graph, etc. The core of constructing the account key graph is the construction of nodes and edges. In an embodiment of the present invention, when constructing an account association graph based on the W first resource transfer-in accounts, the M first resource transfer-out accounts, and the level-N associated account set, the W first resource transfer-in accounts, the M first resource transfer-out accounts, and each account in the level-N associated account set are respectively used as nodes in the account association graph; an edge is established between any two nodes with resource transfer. The edge between any two nodes represents the total resource quantity of the resource transfer between the two nodes.

[0066] For example, refer to Figure 4 , which is a schematic diagram of constructing an account association graph provided by an embodiment of the present invention. In Figure 4It is assumed that W first resource transfer-in accounts are denoted as V0, and the number of them is 4. M first resource transfer-out accounts are denoted as V1, and the number of them is 5. The N-level associated account set includes the 0-level associated account set denoted as V2 and the 1-level associated account set denoted as V3. The number of accounts in the 0-level associated account set can be 6, and the number of accounts in the 1-level associated account set can be 7. According to the first type of resource transfer data and the second type of resource transfer data, it can be determined which nodes have resource transfers, and an edge is created between the nodes with resource transfers, thus obtaining an Figure 4 account association graph as shown.

[0067] Step S204, perform preset resource transfer risk control on the first type of resource transfer based on the account association graph.

[0068] Among them, the preset resource transfer risk may refer to the money laundering risk. Money laundering refers to an act of legalizing illegal income. The first type of resource transfer may refer to cross-border remittance. Performing preset resource transfer risk control on the first type of resource transfer means controlling cross-border remittance money laundering. A common way of cross-border remittance money laundering is that user A transfers resources to user B and user C through domestic accounts, and then user B and user C purchase foreign exchange and transfer resources to user A's overseas account. In this process, the domestic accounts of user B and user C belong to domestic money laundering accounts, the overseas accounts of user B and user C belong to overseas money laundering accounts, and the overseas account of user C belongs to the money laundering receiving account.

[0069] In one embodiment, performing preset resource transfer risk control on the first type of resource transfer based on the account association graph may include: by analyzing the account association graph, finding out the accounts among the accounts participating in the second type of resource transfer that may be money laundering accounts for the first type of resource transfer with preset resource transfer risks, and then monitoring and managing the resource transfer operations of the suspected money laundering accounts.

[0070] In an embodiment of the present invention, first-class resource transfer data is obtained, and M first resource transfer-out accounts participating in the first-class resource transfer are obtained from the first-class resource transfer data; and second-class resource transfer data is obtained, and an N-level associated account set of the M first resource transfer-out accounts is obtained from the second-class resource transfer data. In the N-level associated account set, accounts in the (i + 1)-th level associated account set transfer resources to accounts in the i-th level associated account set, where i is an integer greater than or equal to 0 and less than or equal to N - 1, and when i is equal to 0, accounts in the i-th level associated account set transfer resources to the M first resource transfer-out accounts. W first resource transfer-in accounts participating in the first-class resource transfer are obtained from the first-class resource transfer data, and an account association graph is constructed based on the W first resource transfer-in accounts, the M first resource transfer-out accounts, and the N-level associated account set; and preset resource transfer risk control is performed on the first-class resource transfer based on the account association graph. In the above data processing process, the account association graph can clearly reflect the resource transfer relationship between each account, and performing preset resource transfer risk control on the first-class resource transfer through the account association graph can improve the risk control efficiency.

[0071] Based on the above data processing method, another data processing method is provided in an embodiment of the present invention. Refer to Figure 5 , which is a schematic flowchart of another data processing method provided in an embodiment of the present invention. Figure 5 The data processing method shown can be executed by a data processing device, specifically by a processor of the data processing device. Figure 5 The data processing method shown may include the following steps:

[0072] Step S501, obtain first-class resource transfer data, and obtain M first resource transfer-out accounts participating in the first-class resource transfer and W first resource transfer-in accounts participating in the first-class resource transfer from the first-class resource transfer data.

[0073] Step S502, obtain second-class resource transfer data, and obtain an N-level associated account set of the M first resource transfer-out accounts from the second-class resource transfer data.

[0074] Step S503, construct an account association graph based on the W first resource transfer-in accounts, the M first resource transfer-out accounts, and the N-level associated account set.

[0075] In an embodiment, some possible implementation manners involved in steps S501 - S503 can refer to Figure 2 the descriptions of corresponding steps S201 - S203 in the embodiment, which will not be elaborated here.

[0076] Step S504: Determine a target account from the N - level associated account set based on the account association graph. The probability that the target account participates in the first - type of resource transfer with a preset resource transfer risk is greater than the first probability threshold, and monitor and control the resource transfer business of the target account.

[0077] After constructing the account association graph, further, the preset resource transfer risk control for the first - type of resource transfer can be carried out based on the account association graph. Specifically, it may include Step S504 and Step S505. In Step S504, mainly identify the target accounts among the multiple accounts participating in the second - type of resource transfer that may participate in the first - type of resource transfer with a preset resource transfer risk, and supervise the identified target accounts. The probability that the target account participates in the first - type of resource transfer with a preset resource transfer risk is greater than the first probability threshold, and the first probability threshold can be set in advance. When the first - type of resource transfer refers to cross - border remittance and the preset resource transfer risk is cross - border remittance money laundering, the target account is the domestic suspicious account participating in cross - border remittance money laundering.

[0078] In one embodiment, determining the target account from the N - level associated account set based on the account association graph can be determined based on the out - degree of each node in the account association graph. In specific implementation: analyze the out - degree of the accounts in the N - level associated account set in the account association graph; add the accounts with an out - degree greater than the out - degree threshold to the candidate account set; determine the associated sub - graph of each candidate account from the account association graph based on the out - degree of each account in the candidate account set; count the number of the first - type of resource transfer - out accounts in the associated sub - graph of each candidate account, and determine the candidate account whose number of the first - type of resource transfer - out accounts in the sub - graph meets the quantity threshold as the target account.

[0079] Among them, in the account association graph, an account is a node, and the degree of the account is the degree of the node. In a graph, the degree of a node can be understood as the number of edges associated with the node in the graph. In a directed graph, the out - degree of a node refers to the number of edges with the node as the tail, and the in - degree of a node refers to the number of edges with the node as the head. Generally speaking, the out - degree of a node is the number of arrows with the node as the end, and the in - degree of a node is the number of arrows with the node as the start. For example, in Figure 4 the shown account association graph, there are three arrows with account 400 as the tail, so the out - degree of account 400 is 3; another example, in Figure 4 there are two arrows with account 401 as the tail, so the out - degree of account 401 is 2.

[0080] In the embodiment of the present invention, the out-degree threshold can be set to 2, but it is not limited. In practical applications, the out-degree threshold can be set to any number according to actual needs. In the embodiment of the present invention, the quantity threshold can usually be set to 2, but it is not limited either. In practical applications, the quantity threshold can be set to any number according to actual needs.

[0081] The following is an example to illustrate how to select target accounts. Assume that the account association graph is as Figure 4 shown. Analyze the out-degree of the accounts in the N-level associated account set in the account association graph. As known from the foregoing, the 0th-level associated account set is represented as V2 in Figure 4 , that is to say, the multiple accounts corresponding to the lower part of V2 are the accounts in the 0th-level associated account set. The accounts in the 1st-level associated account set are represented by V3 in Figure 4 , that is to say, in Figure 4 , the multiple accounts corresponding to the lower part of V3 are the accounts in the 1st-level associated account set. By analysis, it is found that the out-degrees of account 400 and account 401 meet the out-degree threshold, then account 400 and account 401 are added to the candidate account set. Further, based on the out-degree of account 400, the associated sub-graph of account 400 is determined from the account association graph. Specifically, the out-degree of account 400 has 3 paths. Find the starting accounts of each out-degree respectively. For example, the starting account of out-degree 1 is 402, the starting account of out-degree 2 is 403, and the starting account of out-degree 3 is 404. Then, continue to search for accounts according to the out-degree of each starting account until the finally found account has no out-degree. The associated sub-graph of account 400 found according to the above method can be represented as Figure 6a shown; the associated sub-graph of account 401 can be determined by using the same method as above as Figure 6b shown.

[0082] After determining the associated sub-graph of account 400 and the associated sub-graph of account 401, it can be seen from Figure 6a that the number of the first type of resource transfer-out accounts included in the associated sub-graph of account 400 is 3, which is greater than the quantity threshold, then account 400 is determined as the target account. Similarly, it can be seen from Figure 6b that the number of the first type of resource transfer-out accounts included in the associated sub-graph of account 401 is 2, which is equal to the quantity threshold, then account 401 is also determined as the target account.

[0083] Step S505: Determine the target first resource transfer-in accounts from the W first resource transfer-in accounts based on the account association graph. The probability that the first type of resource transfer participated by the target first resource transfer-in accounts has a preset resource transfer risk is higher than the second probability threshold, and monitor and control the first type of resource transfer participated by the target first resource transfer-in accounts.

[0084] In one embodiment, performing preset resource transfer risk control on the first type of resource transfer based on the account association graph further includes identifying, from the W first resource transfer-in accounts, the target first resource transfer-in accounts that may be involved in the first type of resource transfer with preset resource transfer risks, so as to timely supervise the target first resource transfer-in accounts.

[0085] In a specific implementation, determining the target first resource transfer-in accounts from the W first resource transfer-in accounts based on the account association graph may include: determining the first resource transfer-in accounts included in the associated subgraph of the target account as the target first resource transfer-in accounts. For example, assume the target account is Figure 6a the account 400 in Figure 6a the associated subgraph of the account 400 shown in Figure 6b the first resource transfer-in account 60 and the first resource transfer-in account 61 are the target first resource transfer-in accounts; for another example, assume the target account is Figure 6b the account 401 in

[0086] In one embodiment, performing preset resource transfer risk control on the first type of resource transfer based on the account association graph may further include: mining the resource transfer patterns of the first type of resource transfer with preset resource transfer risks based on the associated subgraph of the target account; storing the mined resource transfer patterns into a reference resource transfer pattern set, and each resource transfer pattern in the reference resource transfer pattern set is used for performing preset resource transfer risk analysis on other first type of resource transfer data.

[0087] Currently, the most common resource transfer pattern of the first type of resource transfer with preset resource transfer risks is the 1:N:1 pattern. A simple explanation of this pattern is that user A transfers resources to the domestic resource accounts of user B and user C through a domestic resource account; then user B and user C purchase foreign exchange and transfer resources to the overseas resource account of user A. However, when actually performing the first type of resource transfer, the resource transfer patterns of the first type of resource transfer with preset resource risks may be more complex. If simply judging whether a certain first type of resource transfer has preset resource transfer risks through the simple 1:N:1 pattern, it may not be very accurate. Through the embodiments of the present invention, more resource transfer patterns of the first type of resource transfer with preset resource transfer risks can be mined based on the account association graph, providing more judgment criteria for subsequent preset resource transfer risk identification of the first type of resource transfer, thereby improving the accuracy of preset resource transfer risk identification of the first type of resource transfer.

[0088] Specifically, the resource transfer mode of the first type of resource transfer with a preset resource transfer risk in the associated subgraph mining of the target account includes: determining the resource transfer mode in the associated subgraph of the target account as the resource transfer mode of the first type of resource transfer with a preset resource transfer risk. For example, assume that the associated subgraph of the target account is as shown in Figure 7a as follows, Figure 7a The resource transfer mode can be summarized as 1:n:m, which can be understood as a second resource account participating in the second type of resource transfer transferring resources to multiple first resource transfer-out accounts participating in the first type of resource transfer, and these multiple first resource transfer accounts transferring resources to multiple first resource transfer-in accounts.

[0089] Again, the associated subgraph of the target account can be as shown in Figure 7b as follows, Figure 7b The resource transfer mode can be summarized as 1:n:n:m, indicating that a second resource account participating in the second type of resource transfer transfers resources to n second resource transfer-out accounts participating in the second type of resource transfer. These n second resource transfer accounts then transfer resources to n first resource transfer-out accounts participating in the first type of resource transfer, and finally these n first resource transfer-out accounts transfer resources to m first resource transfer-in accounts.

[0090] In an embodiment of the present invention, first type of resource transfer data is obtained, and M first resource transfer-out accounts participating in the first type of resource transfer are obtained from the first type of resource transfer data; and second type of resource transfer data is obtained, and an N-level associated account set of the M first resource transfer-out accounts is obtained. In the N-level associated account set, accounts in the (i + 1)-th level associated account set transfer resources to accounts in the i-th level associated account set, where i is an integer greater than or equal to 0 and less than or equal to N - 1, and when i is equal to 0, the i-th level associated account set transfers resources to the M first resource transfer-out accounts. W first resource transfer-in accounts participating in the first type of resource transfer are obtained from the first type of resource transfer data, and an account association graph is constructed based on the W first resource transfer-in accounts, the M first resource transfer-out accounts, and the N-level associated account set; a target account participating in the first type of resource transfer with a preset resource transfer risk is identified from the accounts in the N-level associated account set based on the account association graph. The target account is a suspicious account participating in the first type of resource transfer with a preset resource transfer risk. Further monitoring and control of the suspicious account is beneficial to timely discovering the first type of resource transfer with a preset resource transfer risk and timely controlling the occurrence of the preset resource transfer risk. Then, a resource transfer pattern of the first type of resource transfer with a preset resource transfer risk can be identified based on the associated subgraph of the target account, so as to facilitate subsequent identification of whether there is a preset resource transfer risk in a new first type of resource transfer based on the mined resource transfer pattern. Compared with the prior art where only the 1:n:1 resource transfer pattern can be used to identify the first type of resource transfer with a preset resource transfer risk, the resource transfer pattern is enriched, and the accuracy of identifying the preset resource transfer risk can be improved.

[0091] Based on the embodiment of the above data processing method, an embodiment of the present invention provides a data processing device. Refer to Figure 8 , which is a schematic structural diagram of a data processing device provided by an embodiment of the present invention. Figure 8 The data processing device shown can run the following units:

[0092] An obtaining unit 801, configured to obtain first type of resource transfer data, and obtain M first resource transfer-out accounts participating in the first type of resource transfer and W first resource transfer-in accounts participating in the first type of resource transfer from the first type of resource transfer data; both M and W are integers greater than or equal to 1;

[0093] The obtaining unit 801 is further configured to obtain second - type resource transfer data, and obtain an N - level associated account set of M first resource transfer - out accounts from the second - type resource transfer data. In the N - level associated account set, accounts in the (i + 1)-th level associated account set transfer resources to accounts in the i - th level associated account set, where i is greater than or equal to 0 and less than or equal to N - 1, and when i is equal to 0, accounts in the i - th level associated account set transfer resources to the M first resource transfer - out accounts;

[0094] The constructing unit 802 is configured to construct an account association graph based on the W first resource transfer - in accounts, the M first resource transfer - out accounts, and the N - level associated account set;

[0095] The processing unit 803 is configured to perform preset resource transfer risk control on the first - type resource transfer based on the account association graph.

[0096] In one embodiment, the association graph is a directed graph, the association graph includes nodes and edges, the nodes include the W first resource transfer - in accounts, the M first resource transfer - out accounts, and the accounts in the N - level associated account set; there is an edge between any two nodes where there is a resource transfer, and the edge between any two nodes represents the total amount of resources transferred between the any two nodes.

[0097] In one embodiment, when the processing unit 803 performs preset resource transfer risk control on the first - type resource transfer based on the account association graph, the following steps are performed:

[0098] Based on the account association graph, determine a target account from the N - level associated account set, where the probability that the target account participates in the first - type resource transfer with a preset resource transfer risk is greater than a first probability threshold; monitor and control the resource transfer operations of the target account.

[0099] In one embodiment, when the processing unit 803 determines a target account from the N - level associated account set based on the account association graph, the following steps are performed:

[0100] Analyze the out - degree of the accounts in the N - level associated account set in the account association graph; add the accounts with an out - degree greater than the out - degree threshold to a candidate account set; determine the associated sub - graph of each candidate account from the account association graph based on the out - degree of each account in the candidate account set; count the number of first - type resource transfer - out accounts in the associated sub - graph of each candidate account, and determine the candidate accounts whose number of first - type resource transfer - out accounts in the sub - graph meets the quantity threshold as target accounts.

[0101] In one embodiment, when the processing unit 803 performs preset resource transfer risk control on the first type of resource transfer based on the account association graph, the following steps are executed:

[0102] Based on the account association graph, determine a target first resource transfer-in account from the W first resource transfer-in accounts, where the probability that the first type of resource transfer participated in by the target first resource transfer-in account has a preset resource transfer risk is higher than a second probability threshold; monitor and control the first type of resource transfer participated in by the target first resource transfer-in account.

[0103] In one embodiment, when the processing unit 803 determines a target first resource transfer-in account from the W first resource transfer-in accounts based on the account association graph, the following steps are executed: Determine the first resource transfer-in accounts included in the associated subgraph of the target account as the target first resource transfer-in accounts.

[0104] In one embodiment, when the processing unit 803 performs preset resource transfer risk control on the first type of resource transfer based on the account association graph, the following steps are executed:

[0105] Mine the resource transfer patterns of the first type of resource transfer with preset resource transfer risks based on the associated subgraph of the target account; store the mined resource transfer patterns in a reference resource transfer pattern set, and each resource transfer pattern in the reference resource transfer pattern set is used to perform preset resource transfer risk analysis on other first type of resource transfer data.

[0106] In one embodiment, the N-level associated account set includes a 0-level associated account set and a 1-level associated account set. When the acquisition unit 801 acquires the N-level associated account set of the M first resource transfer-out accounts from the second type of resource transfer data, the following steps are executed:

[0107] Acquire at least one 0-level associated account that transfers resources to the M first resource transfer-out accounts from the second type of resource transfer data; perform duplicate removal processing on the at least one 0-level associated account according to the M first resource transfer-out accounts, and store the at least one 0-level associated account after duplicate removal processing in the 0-level associated account set;

[0108] Acquire at least one 1-level associated account that transfers resources to any account in the 0-level associated account set from the second type of resource transfer data; perform duplicate removal processing on the at least one 1-level associated account according to the M first resource transfer-out accounts and each account in the 0-level associated account set, and store the at least one 1-level associated account after duplicate removal processing in the 1-level associated account.

[0109] According to an embodiment of the present application, Figure 2 and Figure 5 each step involved in the data processing method shown can be executed by each unit in the data processing device shown in Figure 8 . For example, Figure 2 step S201 and step S202 shown can be executed by the acquisition unit 901 in the data processing device shown in Figure 8 , step S203 is executed by the construction unit 802 in the data processing device shown in Figure 8 , and step S204 is executed by the processing unit 803 in the data processing device shown in Figure 8 . Again, for example, Figure 5 step S501 and step S502 shown can be executed by the acquisition unit 801 in the data processing device shown in Figure 8 ; step S503 can be executed by the construction unit 802 in the data processing device shown in Figure 8 , and step S504 and step S505 can be executed by the processing unit 803 in the data processing device shown in Figure 8 .

[0110] According to another embodiment of the present application, Figure 8 each unit in the data processing device shown is divided based on logical functions, and the above-mentioned each unit can be separately or entirely combined into one or several other units to form, or some of them can be further split into multiple smaller units in terms of function to form, which can achieve the same operation without affecting the realization of the technical effects of the embodiments of the present application. In other embodiments of the present application, the above-mentioned data processing device may also include other units. In practical applications, these functions can also be assisted by other units and can be achieved by the cooperation of multiple units.

[0111] According to another embodiment of the present application, it is possible to construct the data processing device as shown in Figure 2 or Figure 5 by running a computer program (including program code) capable of executing each step involved in the method shown in Figure 8 on a general computing device such as a computer including processing elements and storage elements such as a central processing unit (CPU), a random access storage medium (RAM), and a read-only storage medium (ROM), and to implement the data processing method of the embodiments of the present application. The computer program can be recorded on, for example, a computer storage medium, loaded into the above-mentioned computing device through the computer storage medium, and run therein.

[0112] In an embodiment of the present invention, first-type resource transfer data is obtained, and M first resource transfer-out accounts participating in the first-type resource transfer are obtained from the first-type resource transfer data; and second-type resource transfer data is obtained, and an N-level associated account set of the M first resource transfer-out accounts is obtained from the second-type resource transfer data. In the N-level associated account set, accounts in the (i + 1)-th level associated account set transfer resources to accounts in the i-th level associated account set, where i is an integer greater than or equal to 0 and less than or equal to N - 1, and when i is equal to 0, the accounts in the i-th level associated account set transfer resources to the M first resource transfer-out accounts. W first resource transfer-in accounts participating in the first-type resource transfer are obtained from the first-type resource transfer data, and an account association graph is constructed based on the W first resource transfer-in accounts, the M first resource transfer-out accounts, and the N-level associated account set; and a preset resource transfer risk control is performed on the first-type resource transfer based on the account association graph. In the above data processing process, the account association graph can clearly reflect the resource transfer relationship between each account, and performing a preset resource transfer risk control on the first-type resource transfer through the account association graph can improve the risk control efficiency.

[0113] Based on the descriptions of the above method embodiments and apparatus embodiments, an embodiment of the present invention provides a data processing device. Please refer to Figure 9 , which is a schematic structural diagram of the data processing device provided by the embodiment of the present invention. The data processing device may include a processor 901, an input interface 902, an output interface 903, and a computer storage medium 904. Among them, the processor 901, the input interface 902, the output interface 903, and the computer storage medium 904 may be connected through a bus or other means.

[0114] The computer storage medium 904 may be stored in the memory of the data processing device. The computer storage medium 904 is used to store a computer program, and the processor 901 is used to execute the computer program stored in the computer storage medium 904. The processor 901 (or CPU (Central Processing Unit, central processor)) is the computing core and control core of the data processing device, and is adapted to implement one or more computer programs, and is specifically adapted to load and execute:

[0115] Obtain the first type of resource transfer data, and obtain M first resource transfer-out accounts participating in the first type of resource transfer and W first resource transfer-in accounts participating in the first type of resource transfer from the first type of resource transfer data; both M and W are integers greater than or equal to 1; obtain the second type of resource transfer data, and obtain the N-level associated account set of the M first resource transfer-out accounts from the second type of resource transfer data. In the N-level associated account set, the accounts in the (i + 1)-th level associated account set transfer resources to the accounts in the i-th level associated account set, where i is greater than or equal to 0 and less than or equal to N - 1, and when i is equal to 0, the accounts in the i-th level associated account set transfer resources to the M first resource transfer-out accounts.

[0116] Construct an account association graph based on the W first resource transfer-in accounts, the M first resource transfer-out accounts, and the N-level associated account set; perform preset resource transfer risk control on the first type of resource transfer based on the account association graph.

[0117] In an embodiment of the present invention, obtain the first type of resource transfer data, and obtain M first resource transfer-out accounts participating in the first type of resource transfer from the first type of resource transfer data; and obtain the second type of resource transfer data, and obtain the N-level associated account set of the M first resource transfer-out accounts from the second type of resource transfer data. In the N-level associated account set, the accounts in the (i + 1)-th level associated account set transfer resources to the accounts in the i-th level associated account set, where i is an integer greater than or equal to 0 and less than or equal to N - 1, and when i is equal to 0, the i-th level associated account set transfers resources to the M first resource transfer-out accounts. Obtain W first resource transfer-in accounts participating in the first type of resource transfer from the first type of resource transfer data, and construct an account association graph based on the W first resource transfer-in accounts, the M first resource transfer-out accounts, and the N-level associated account set; perform preset resource transfer risk control on the first type of resource transfer based on the account association graph. In the above data processing process, the account association graph can clearly reflect the resource transfer relationship between each account, and performing preset resource transfer risk control on the first type of resource transfer through the account association graph can improve the risk control efficiency.

[0118] An embodiment of the present invention further provides a computer storage medium (Memory). The computer storage medium is a memory device in a data processing device and is used to store programs and data. It can be understood that the computer storage medium here can include both the built-in storage medium of the data processing device and, of course, the extended storage medium supported by the data processing device. The computer storage medium provides a storage space, and the operating system of the data processing device is stored in this storage space. Moreover, one or more computer programs suitable for being loaded and executed by the processor 1001 are also stored in this storage space. It should be noted that the computer storage medium here can be a high-speed RAM memory or a non-volatile memory, such as at least one disk memory; optionally, it can also be at least one computer storage medium located far from the aforementioned processor.

[0119] In one embodiment, the computer storage medium can be loaded and executed by the processor 901 with one or more computer programs stored in the computer storage medium, and specifically execute:

[0120] Obtain the first type of resource transfer data, and obtain M first resource transfer-out accounts participating in the first type of resource transfer and W first resource transfer-in accounts participating in the first type of resource transfer from the first type of resource transfer data; both M and W are integers greater than or equal to 1.

[0121] Obtain the second type of resource transfer data, and obtain the N-level associated account set of the M first resource transfer-out accounts from the second type of resource transfer data. In the N-level associated account set, the accounts in the (i + 1)-th level associated account set transfer resources to the accounts in the i-th level associated account set, where i is greater than or equal to 0 and less than or equal to N - 1, and when i is equal to 0, the i-th level associated account set transfers resources to the M first resource transfer-out accounts.

[0122] Construct an account association graph based on the W first resource transfer-in accounts, the M first resource transfer-out accounts, and the N-level associated account set; perform preset resource transfer risk control on the first type of resource transfer based on the account association graph.

[0123] In one embodiment, the association graph is a directed graph. The association graph includes nodes and edges. The nodes include the W first resource transfer-in accounts, the M first resource transfer-out accounts, and the accounts in the N-level associated account set; there is an edge between any two nodes where there is a resource transfer, and the edge between any two nodes represents the total amount of resources transferred between the two nodes.

[0124] In one embodiment, when the processor 901 performs preset resource transfer risk control on the first type of resource transfer based on the account association graph, the following steps are executed:

[0125] Based on the account association graph, determine a target account from the N-level associated account set, where the probability that the target account participates in the first type of resource transfer with a preset resource transfer risk is greater than the first probability threshold; monitor and control the resource transfer operations of the target account.

[0126] In one embodiment, when the processor 901 determines a target account from the N-level associated account set based on the account association graph, the following steps are executed:

[0127] Analyze the out-degree of the accounts in the N-level associated account set in the account association graph; add the accounts with an out-degree greater than the out-degree threshold to the candidate account set;

[0128] Based on the out-degree of each account in the candidate account set, determine the associated sub-graph of each candidate account from the account association graph; count the number of the first type of resource transfer-out accounts in the associated sub-graph of each candidate account, and determine the candidate accounts whose number of the first type of resource transfer-out accounts in the sub-graph meets the quantity threshold as the target accounts.

[0129] In one embodiment, when the processor 901 performs preset resource transfer risk control on the first type of resource transfer based on the account association graph, the following steps are executed:

[0130] Based on the account association graph, determine a target first resource transfer-in account from the W first resource transfer-in accounts, where the probability that the first type of resource transfer participated in by the target first resource transfer-in account has a preset resource transfer risk is higher than the second probability threshold; monitor and control the first type of resource transfer participated in by the target first resource transfer-in account.

[0131] In one embodiment, when the processor 901 determines a target first resource transfer-in account from the W first resource transfer-in accounts based on the account association graph, the following steps are executed: Determine the first resource transfer-in accounts included in the associated sub-graph of the target account as the target first resource transfer-in accounts.

[0132] In one embodiment, when the processor 901 performs preset resource transfer risk control on the first type of resource transfer based on the account association graph, the following steps are executed:

[0133] The resource transfer mode of the first type of resource transfer where there is a preset resource transfer risk in the associated subgraph mining based on the target account; storing the mined resource transfer mode in the reference resource transfer mode set, and each resource transfer mode in the reference resource transfer mode set is used to perform a preset resource transfer risk analysis on other first-type resource transfer data.

[0134] In one embodiment, the N-level associated account set includes a 0th-level associated account set and a 1st-level associated account set. When the processor 901 obtains the N-level associated account set of the M first resource transfer-out accounts from the second-type resource transfer data, the following steps are executed:

[0135] Obtain at least one 0th-level associated account that transfers resources to the M first resource transfer-out accounts from the second-type resource transfer data; perform duplicate removal processing on the at least one 0th-level associated account according to the M first resource transfer-out accounts, and store the at least one 0th-level associated account after duplicate removal processing in the 0th-level associated account set;

[0136] Obtain at least one 1st-level associated account that transfers resources to any account in the 0th-level associated account set from the second-type resource transfer data; perform duplicate removal processing on the at least one 1st-level associated account according to the M first resource transfer-out accounts and each account in the 0th-level associated account set, and store the at least one 1st-level associated account after duplicate removal processing in the 1st-level associated account.

[0137] In the embodiment of the present invention, obtain the first-type resource transfer data, and obtain M first resource transfer-out accounts participating in the first-type resource transfer from the first-type resource transfer data; and obtain the second-type resource transfer data, and obtain the N-level associated account set of the M first resource transfer-out accounts from the second-type resource transfer data. In the N-level associated account set, the accounts in the (i + 1)th-level associated account set transfer resources to the accounts in the ith-level associated account set, where i is an integer greater than or equal to 0 and less than or equal to N - 1, and when i is equal to 0, the ith-level associated account set transfers resources to the M first resource transfer-out accounts. Obtain W first resource transfer-in accounts participating in the first-type resource transfer from the first-type resource transfer data, and construct an account association graph based on the W first resource transfer-in accounts, the M first resource transfer-out accounts, and the N-level associated account set; perform preset resource transfer risk control on the first-type resource transfer based on the account association graph. In the above data processing process, the account association graph can clearly reflect the resource transfer relationship between each account, and performing preset resource transfer risk control on the first-type resource transfer through the account association graph can improve the risk control efficiency.

[0138] According to one aspect of the present application, embodiments of the present invention further provide a computer product or a computer program. The computer product includes a computer program, and the computer program is stored in a computer storage medium. The processor 901 reads the computer program from the computer storage medium, so that the data processing device loads and executes:

[0139] Obtain first-class resource transfer data, and obtain M first resource transfer-out accounts participating in the first-class resource transfer and W first resource transfer-in accounts participating in the first-class resource transfer from the first-class resource transfer data; both M and W are integers greater than or equal to 1;

[0140] Obtain second-class resource transfer data, and obtain an N-level associated account set of the M first resource transfer-out accounts from the second-class resource transfer data. In the N-level associated account set, the accounts in the (i + 1)-th level associated account set transfer resources to the accounts in the i-th level associated account set, where i is greater than or equal to 0 and less than or equal to N - 1, and when i is equal to 0, the accounts in the i-th level associated account set transfer resources to the M first resource transfer-out accounts; construct an account association graph based on the W first resource transfer-in accounts, the M first resource transfer-out accounts, and the N-level associated account set; perform preset resource transfer risk control on the first-class resource transfer based on the account association graph.

[0141] In the embodiments of the present invention, obtain first-class resource transfer data, and obtain M first resource transfer-out accounts participating in the first-class resource transfer from the first-class resource transfer data; and obtain second-class resource transfer data, and obtain an N-level associated account set of the M first resource transfer-out accounts from the second-class resource transfer data. In the N-level associated account set, the accounts in the (i + 1)-th level associated account set transfer resources to the accounts in the i-th level associated account set, where i is an integer greater than or equal to 0 and less than or equal to N - 1, and when i is equal to 0, the i-th level associated account set transfers resources to the M first resource transfer-out accounts. Obtain W first resource transfer-in accounts participating in the first-class resource transfer from the first-class resource transfer data, and construct an account association graph based on the W first resource transfer-in accounts, the M first resource transfer-out accounts, and the N-level associated account set; perform preset resource transfer risk control on the first-class resource transfer based on the account association graph. In the above data processing process, the account association graph can clearly reflect the resource transfer relationship between each account, and performing preset resource transfer risk control on the first-class resource transfer through the account association graph can improve the risk control efficiency.

Claims

1. A data processing method, characterized in that, Including: Obtain first - type resource transfer data, and obtain M first resource transfer - out accounts participating in the first - type resource transfer and W first resource transfer - in accounts participating in the first - type resource transfer from the first - type resource transfer data; Both M and W are integers greater than or equal to 1; Obtain second - type resource transfer data, and obtain an N - level associated account set of the M first resource transfer - out accounts from the second - type resource transfer data; in the N - level associated account set, accounts in the (i + 1)-th level associated account set transfer resources to accounts in the i - th level associated account set, where i is a positive integer greater than or equal to 0 and less than or equal to N - 1; And when i is equal to 0, accounts in the i - th level associated account set transfer resources to the M first resource transfer - out accounts; Construct an account association graph based on the W first resource transfer - in accounts, the M first resource transfer - out accounts, and the N - level associated account set; Perform preset resource transfer risk control on the first - type resource transfer based on the account association graph; Among them, performing preset resource transfer risk control on the first - type resource transfer based on the account association graph includes: determining a target first resource transfer - in account from the W first resource transfer - in accounts based on the account association graph, and the probability that the first - type resource transfer participated by the target first resource transfer - in account has a preset resource transfer risk is higher than a second probability threshold; monitoring and controlling the first - type resource transfer participated by the target first resource transfer - in account.

2. The method according to claim 1, wherein The association graph is a directed graph, the association graph includes nodes and edges, the nodes include the W first resource transfer - in accounts, the M first resource transfer - out accounts, and the accounts in the N - level associated account set; there is an edge between any two nodes with resource transfer, and the edge between any two nodes represents the total amount of resources transferred between the two nodes.

3. The method according to claim 2, wherein Performing preset resource transfer risk control on the first - type resource transfer based on the account association graph further includes: Determining a target account from the N - level associated account set based on the account association graph, and the probability that the target account participates in the first - type resource transfer with a preset resource transfer risk is greater than a first probability threshold; Monitoring and controlling the resource transfer business of the target account.

4. The method according to claim 3, wherein Determining the target account from the N - level associated account set based on the account association graph includes: Analyzing the out - degree of the accounts in the N - level associated account set in the account association graph; Adding accounts with an out - degree greater than the out - degree threshold to the candidate account set; Determining the associated sub - graph of each candidate account from the account association graph based on the out - degree of each account in the candidate account set; Counting the number of first resource transfer - out accounts in the associated sub - graph of each candidate account, and determining the candidate account whose number of first resource transfer - out accounts in the sub - graph meets the quantity threshold as the target account.

5. The method according to claim 4, wherein Determining the target first resource transfer - in account from the W first resource transfer - in accounts based on the account association graph includes: Determining the first resource transfer - in accounts included in the associated sub - graph of the target account as the target first resource transfer - in accounts.

6. The method according to claim 4, wherein Performing preset resource transfer risk control on the first type of resource transfer based on the account association graph further includes: Mining the resource transfer mode of the first type of resource transfer with preset resource transfer risks from the associated subgraph of the target account; Storing the mined resource transfer mode into a reference resource transfer mode set, where each resource transfer mode in the reference resource transfer mode set is used to perform preset resource transfer risk analysis on other first type of resource transfer data.

7. The method according to claim 1, characterized in that, The N-level associated account set includes a level-0 associated account set and a level-1 associated account set. Obtaining the N-level associated account set of the M first resource transfer-out accounts from the second type of resource transfer data includes: Obtaining at least one level-1 associated account that transfers resources to the M first resource transfer-out accounts from the second type of resource transfer data; Removing duplicates from the at least one level-0 associated account according to the M first resource transfer-out accounts, and storing the at least one level-0 associated account after duplicate removal into the level-0 associated account set; Obtaining at least one level-1 associated account that transfers resources to any account in the level-0 associated account set from the second type of resource transfer data; Removing duplicates from the at least one level-1 associated account according to the M first resource transfer-out accounts and each account in the level-1 associated account set, and storing the at least one level-1 associated account after duplicate removal into the level-1 associated account.

8. A data processing device, characterized in that, It includes: An acquisition unit for acquiring the first type of resource transfer data, and acquiring M first resource transfer-out accounts participating in the first type of resource transfer and W first resource transfer-in accounts participating in the first type of resource transfer from the first type of resource transfer data; both M and W are integers greater than or equal to 1; The acquisition unit is further configured to acquire the second type of resource transfer data and acquire the N-level associated account set of the M first resource transfer-out accounts from the second type of resource transfer data; in the N-level associated account set, an account in the (i + 1)-th level associated account set transfers resources to an account in the i-th level associated account set, where i is greater than or equal to 0 and less than or equal to N - 1, and N is a positive integer greater than or equal to 1; and when i is equal to 0, an account in the i-th level associated account set transfers resources to the M first resource transfer-out accounts; A construction unit for constructing an account association graph based on the W first resource transfer-in accounts, the M first resource transfer-out accounts, and the N-level associated account set; A processing unit for performing preset resource transfer risk control on the first type of resource transfer based on the account association graph, including determining a target first resource transfer-in account from the W first resource transfer-in accounts based on the account association graph, where the probability that the first type of resource transfer participated by the target first resource transfer-in account has a preset resource transfer risk is higher than a second probability threshold; and monitoring and controlling the first type of resource transfer participated by the target first resource transfer-in account.

9. A data processing device, characterized in that, It includes: A processor suitable for executing one or more computer programs; A computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, it performs the data processing method according to any one of claims 1-7.

10. A computer storage medium, characterized in that, The computer storage medium stores a computer program, and the computer program is loaded and executed by a processor to perform the data processing method according to any one of claims 1-7.

11. A computer product, characterized in that, The computer product includes a computer program, the computer program is stored in a computer storage medium, and a processor of a data processing device reads the computer program from the computer storage medium, so that the data processing device loads and executes the data processing method according to any one of claims 1-7.

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