Method, device, computer equipment and storage medium for determining immobile households

Abstract

This application relates to a method, apparatus, computer equipment, and storage medium for determining inactive accounts. The method includes: determining the next-stage inactive account type corresponding to the current inactive account type of an account; determining a target template number for the account based on the next-stage inactive account type and the region identifier to which the account belongs; determining whether the account meets the conditions for becoming an inactive account based on the target dynamic template corresponding to the target template number; and if the account meets the conditions for becoming an inactive account, then setting the account as an inactive account. This method improves the flexibility of inactive account determination.

Description

Technical Field

[0001] The present application relates to the field of banking supervision technology, and in particular to a method, apparatus, computer equipment and storage medium for determining inactive accounts. Background Art

[0002] With the continuous expansion of banking business, the number of deposit accounts in banks has also exploded, which has gradually increased the cost of bank account maintenance and is not conducive to the supervision of accounts by regulatory agencies. Therefore, in order to reduce bank maintenance costs and meet regulatory requirements, accounts that have not been traded by customers for a long time in the bank can be set as inactive accounts, so as to achieve the purpose of unified management of some accounts by the bank.

[0003] The existing technology mainly sets and manages the inactive account with unified conditions. When the account meets the set inactive account conditions, the account is set as an inactive account. However, the existing method of setting the inactive account has the problem of insufficient flexibility. Summary of the invention

[0004] Based on this, it is necessary to provide a method, device, computer equipment and storage medium for determining immobile households that can improve the flexibility of the method for setting immobile households in response to the above-mentioned technical problems.

[0005] A method for determining an inactive household, the method comprising:

[0006] Determine the next stage of inactive account type corresponding to the current inactive account type of the account;

[0007] Determine the target template number of the account according to the type of the inactive account in the next stage and the region identifier to which the account belongs;

[0008] Determine whether the account satisfies the condition of not changing the account according to the target dynamic template corresponding to the target template number;

[0009] If the account satisfies the condition for being placed inactive, the account is placed inactive.

[0010] In one embodiment, determining the target template number of the account according to the type of the inactive account in the next stage and the region identifier to which the account belongs includes:

[0011] According to the inactive account type of the next stage and the regional identifier to which the account belongs, a query is performed in a preset business parameter table to obtain the target template number of the account; the business parameter table includes the correspondence between the inactive account type, regional identifier and template number.

[0012] In one embodiment, the method further comprises:

[0013] The preset dynamic rule definition table is queried according to the target template number to obtain the target dynamic template, and the dynamic rule definition table includes a corresponding relationship between template numbers and dynamic templates.

[0014] In one embodiment, if the target template number corresponds to a plurality of target dynamic templates, determining whether the account satisfies the immobilization condition according to the target dynamic template corresponding to the target template number includes:

[0015] Determining a current dynamic template from the multiple target dynamic templates according to the priority order of the multiple target dynamic templates;

[0016] Determine whether the account satisfies the immobilization condition according to the current dynamic template; if the account satisfies the immobilization condition according to the current dynamic template, obtain the setting parameters of the next stage of immobilization according to the target template number.

[0017] In one embodiment, the setting parameters include at least one of time and amount; and obtaining the setting parameters of the inactive account of the next stage according to the target template number includes:

[0018] According to the target template number, the business parameter table is searched to obtain the start time and current amount of the inactive account when the account is in an inactive state;

[0019] The time for the account to be inactive next time is determined based on the start time of the inactive account; and / or the amount of the account to be inactive next time is determined based on the current amount.

[0020] In one embodiment, the method further comprises:

[0021] If it is determined according to the current dynamic template that the account does not satisfy the condition for not keeping the account, then the target dynamic template of the next priority is obtained as the current dynamic template according to the priority order, and the step of judging whether the account satisfies the condition for not keeping the account is performed according to the current dynamic template, until it is determined according to the current dynamic template that the account satisfies the condition for not keeping the account.

[0022] In one embodiment, the method further comprises:

[0023] If it is determined according to the multiple target dynamic templates that the account does not meet the unsetting condition, the account is set using a preset default unsetting mode.

[0024] A device for determining an immobile user, the device comprising:

[0025] A first determination module is used to determine the next stage of inactive account type corresponding to the current inactive account type of the account;

[0026] A second determination module is used to determine the target template number of the account according to the type of the inactive account in the next stage and the region identifier to which the account belongs;

[0027] A third determination module is used to determine whether the account satisfies the condition of not changing the account according to the target dynamic template corresponding to the target template number;

[0028] The setting module sets the account as an inactive account if the account meets the inactive account setting condition.

[0029] A computer device comprises a memory and a processor, wherein the memory stores a computer program, and when the processor executes the computer program, the following steps are implemented:

[0030] Determine the next stage of inactive account type corresponding to the current inactive account type of the account;

[0031] Determine the target template number of the account according to the type of the inactive account in the next stage and the region identifier to which the account belongs;

[0032] Determine whether the account satisfies the condition of not changing the account according to the target dynamic template corresponding to the target template number;

[0033] If the account satisfies the condition for being placed inactive, the account is placed inactive.

[0034] A computer-readable storage medium stores a computer program, which, when executed by a processor, implements the following steps:

[0035] Determine the next stage of inactive account type corresponding to the current inactive account type of the account;

[0036] Determine the target template number of the account according to the type of the inactive account in the next stage and the region identifier to which the account belongs;

[0037] Determine whether the account satisfies the condition of not changing the account according to the target dynamic template corresponding to the target template number;

[0038] If the account satisfies the condition for being placed inactive, the account is placed inactive.

[0039] The above-mentioned inactive account determination method, device, computer equipment and storage medium determine the inactive account type of the next stage corresponding to the account by determining the current inactive account type of the account, determine the target template number of the account according to the inactive account type of the next stage and the regional identifier to which the account belongs, determine whether the account meets the inactive account setting condition according to the target dynamic template corresponding to the target template number, and if the account meets the inactive account setting condition, the account is set as an inactive account. This embodiment determines the target template number of the account according to the inactive account type and regional identifier for different accounts, can subdivide different accounts, and then determine whether the account meets the inactive account setting condition according to the target dynamic template corresponding to the account, and make a judgment for each account, which can improve the flexibility of the method for setting an inactive account. BRIEF DESCRIPTION OF THE DRAWINGS

[0040] Figure 1 A diagram of an application environment of a method for determining an immobile user in an embodiment;

[0041] Figure 2 It is a flowchart of a method for determining an inactive user in one embodiment;

[0042] Figure 3 A flowchart of a method for determining an inactive user in another embodiment;

[0043] Figure 4 It is a flowchart of a method for determining an inactive user in another embodiment;

[0044] Figure 5 It is a flowchart of a method for determining an inactive user in another embodiment;

[0045] Figure 6 is a structural block diagram of an immobile user determination device in one embodiment;

[0046] Figure 7 is a structural block diagram of an immobile user determination device in one embodiment;

[0047] Figure 8 is a structural block diagram of an immobile user determination device in one embodiment;

[0048] Fig. 9 is a structural block diagram of an immobile user determination device in one embodiment;

[0049] Fig.10 is a structural block diagram of an immobile user determination device in one embodiment;

[0050] Fig.11 is a structural block diagram of an immobile user determination device in one embodiment;

[0051] Fig.12 FIG. 4 is a diagram showing the internal structure of a computer device in one embodiment. DETAILED DESCRIPTION

[0052] In order to make the purpose, technical solution and advantages of the present application more clearly understood, the present application is further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present application and are not used to limit the present application.

[0053] The method for determining immobile households provided in this application can be applied to Figure 1 In the application environment shown in the figure. The server includes a processor, a memory and a network interface connected through a system bus. Among them, the processor of the server is used to provide computing and control capabilities. The memory of the server includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program and a database. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The database of the server is used to store data related to immobilized accounts. The network interface of the server is used to communicate with an external terminal through a network connection. The server obtains the current immobilized account type of the account, sends the current immobilized account type of the account to the server, determines the immobilized account type of the next stage according to the current immobilized account type of the account, and then determines the target template number of the account according to the immobilized account type of the next stage and the regional identifier to which the account belongs, determines the target dynamic template according to the target template number, determines whether the account meets the immobilized account setting condition through the target dynamic template, and if the immobilized account setting condition is met, the account is set to be immobilized. Among them, the server can be implemented by an independent server or a server cluster composed of multiple servers.

[0054] In one embodiment, Figure 2 As shown, a method for determining an immobile user is provided, and the method is applied to Figure 1 The server in the example is used to illustrate the following steps:

[0055] S201, determining the inactive account type of the next stage corresponding to the current inactive account type of the account.

[0056] Among them, inactive accounts are also called dormant accounts in some financial institutions. They are accounts or customers that have not been traded by customers for a long time in the bank. Generally, the types of inactive accounts are divided by years according to regulatory requirements. At present, the types of inactive accounts are divided according to years and amounts. The types of inactive accounts are divided into inactive accounts, quasi-inactive accounts, long-term inactive accounts and unclaimed accounts, etc. Different levels of inactive accounts have different restrictions on account transactions. The current inactive account type refers to the inactive account type of the account at the current moment or the current time period, and the next stage of inactive account type refers to the inactive account type of the current account in a certain period of time in the future.

[0057] In this embodiment, the corresponding inactive account type for the next stage can be determined based on the current inactive account type of the account, combined with the transaction status and amount of the account at this stage; or, a neural network model can be constructed through a corresponding algorithm, and the current inactive account type of the account and the transaction information of the account at the current stage are used as input signals, and the corresponding inactive account type for the next stage is output through the neural network model, which is not limited in the embodiments of the present application.

[0058] S202, determining the target template number of the account according to the inactive account type of the next stage and the region identifier to which the account belongs.

[0059] The regional identifier refers to the mark of a specific region, and the regional identifier to which the account belongs refers to the mark of the specific region where the account is opened.

[0060] In this embodiment, different dynamic templates can be set for different inactive household types and regions. The dynamic templates are used to set inactive households, and a template number is set for each dynamic template. The inactive household type, region identifier and template number are bound and associated to form a corresponding relationship.

[0061] In this embodiment, the next stage of the inactive account type of the account obtained in step 201 is combined with the regional identification of the account, and the target template number of the account is determined according to the above established correspondence between the inactive account type, regional identification and template number. Exemplarily, the target template number of the account can be obtained in the following manner: when the inactive account type is an inactive account and the regional identification is zone 1, the target template number is determined to be 1; when the inactive account type is a quasi-inactive account and the regional identification is zone 2, the target template number is determined to be 2; when the inactive account type is a long-term inactive account and the regional identification is zone 1, the target template number is determined to be 3; when the inactive account type is an unclaimed account and the regional identification is zone 2, the target template number is determined to be 4. This embodiment only takes this as an example to illustrate the correspondence between the inactive account type, regional identification and template number, and is not limited to this. Alternatively, different flag bits of the template number can be set to represent different contents. For example, the template number is set to two data bits, the first data bit represents the inactive account type, and the second data bit represents the regional identifier. For example, when the target template number is 12, the inactive account type of the account is an inactive account, and the regional identifier is Zone 2; when the target template number is 21, the inactive account type of the account is a quasi-inactive account, and the regional identifier is Zone 1; when the target template number is 31, the inactive account type of the account is a long-term inactive account, and the regional identifier is Zone 1; when the target template number is 42, the inactive account type of the account is an unclaimed account, and the regional identifier is Zone 2.

[0062] S203, determining whether the account satisfies the condition of not placing the account in a fixed position according to the target dynamic template corresponding to the target template number.

[0063] Among them, the target dynamic template includes the rules and conditions for placing the account inactive corresponding to the region where the account is located. For example, the target dynamic template includes the inactive account type, template number, last account activity date and account balance, etc. The conditions for placing the account inactive include the number of years without account transactions, the account balance, the region identification of the account and the credit status of the account, etc. Only when the account meets these conditions can the account be placed inactive.

[0064] Specifically, the target dynamic template corresponding to the target template number obtained in step S202 is obtained. Optionally, by traversing all dynamic templates, the target template number can be compared with the numbers in all dynamic templates. If the two numbers are consistent, the corresponding target dynamic template is obtained. Optionally, when the target template number is identified by two data bits, a dynamic template whose first digit of the template number is the same as the first digit of the target template number can be screened out from all dynamic templates, that is, a dynamic template with the same type of target account immobile is obtained. Among the dynamic templates with the same type of immobile, a dynamic template whose second digit of the template number is the same as the second digit of the target template number is screened out, that is, a dynamic template with the same regional identifier of the target account is obtained. For example, the target template number is 31, and a dynamic template with a template number of 31 is screened out from all dynamic templates. Then, it is determined whether the account meets the immobile account condition based on the target dynamic template.

[0065] The dynamic template of the account may include some condition ranges for deactivating the account, and the basic information of the account may be matched with the dynamic template of the account. If the basic information of the account is within the deactivation condition range, it is determined that the account meets the deactivation condition; if the basic information of the account is not within the preset deactivation condition range, it is determined that the account does not meet the deactivation condition.

[0066] Furthermore, the target dynamic template may include a dynamic rule definition table for setting or not setting an account. Therefore, the process of determining whether an account meets the condition of setting or not setting an account according to the target dynamic template corresponding to the target template number may be to assemble a dynamic structured query language (SQL) through the dynamic rule definition table in the target dynamic template to query whether the current account meets the condition of setting or not setting an account. Among them, the structured query language is a special-purpose programming language, a database query and programming language, used to access data and query, update and manage relational database systems. SQL is not static, but is to dynamically generate statements to be executed based on the incoming data. Dynamic SQL can dynamically determine the dependent conditions of the query statement or the content of the SQL statement based on the parameters provided by the user.

[0067] S204: If the account meets the conditions for being placed inactive, the account is placed inactive.

[0068] In this embodiment, if the account meets the conditions for being set as an inactive account, the account will be set as an inactive account. That is, after predicting the inactive account type of the next stage based on the current inactive account type, the dynamic template is used to judge the conditions for setting the account as an inactive account again. When the account meets the conditions for being set as an inactive account, it is determined to set the account as an inactive account.

[0069] Furthermore, the account information of the account can also be obtained, and the specific type of the inactive account can be determined based on the account information. For example, the account information of the account can include the account balance, inactive time length, etc. The specific type of the account can be determined based on the account balance and inactive time length.

[0070] In the method for determining an inactive account provided in this embodiment, the inactive account type of the next stage corresponding to the account is determined by determining the current inactive account type of the account, and the target template number of the account is determined according to the inactive account type of the next stage and the regional identifier to which the account belongs, and whether the account meets the condition of being set as an inactive account is determined according to the target dynamic template corresponding to the target template number, and if the account meets the condition of being set as an inactive account, the account is set as an inactive account. This embodiment determines the target template number of the account by the inactive account type and the regional identifier for different accounts, and can subdivide accounts of different inactive account types and different regions, and uses different dynamic templates for different accounts to determine whether the account meets the condition of being set as an inactive account, which can improve the flexibility and accuracy of setting an inactive account.

[0071] In the above Figure 2 On the basis of the illustrated embodiment, in another embodiment, a specific implementation process of determining the target template number of an account based on the inactive account type of the next stage and the regional identifier to which the account belongs is described in detail, including: querying in a preset business parameter table based on the inactive account type of the next stage and the regional identifier to which the account belongs to obtain the target template number of the account; the business parameter table includes the correspondence between the inactive account type, the regional identifier and the template number.

[0072] In this embodiment, the business parameter table is obtained by integrating the basic information of inactive bank accounts. For example, the basic information of accounts of different inactive account types in different regions is analyzed, and the characteristics of each account are analyzed, so that different conditions for setting inactive accounts are set according to the characteristics of each account to generate dynamic templates, and the correspondence between the template number, inactive account type, and regional identifier of each dynamic template is recorded in the business parameter table.

[0073] The business parameter table is queried according to the next stage inactive account type and the regional identifier to which the account belongs, and the target template number corresponding to the next stage inactive account type and the regional identifier to which the account belongs is obtained.

[0074] The method for determining an inactive account provided in this embodiment searches the preset business parameter table based on the inactive account type of the next stage and the regional identifier to which the account belongs to obtain the target template number of the account. This embodiment searches the preset business parameter table for the target template number corresponding to the account, and can quickly and accurately determine the target template number of the account by looking up the table, thereby improving the efficiency of placing inactive accounts.

[0075] In the above Figure 2 Based on the illustrated embodiment, in another embodiment, a method for determining an immobile user is provided, further comprising: querying a preset dynamic rule definition table according to a target template number to obtain a target dynamic template, wherein the dynamic rule definition table comprises a correspondence between a template number and a dynamic template.

[0076] In this embodiment, the preset dynamic rule definition table includes dynamic templates corresponding to each type of immobile account and each region. The dynamic rule definition table is shown in Table 1, and the dynamic rule definition table may include: region code, template number, control type, currency, rule name, rule description, value source, condition source, condition value, judgment logic, judgment rule, condition key flag and judgment logic between conditions. The control type indicates the type of immobile account, which can be controlled according to different types of immobile accounts; the value source indicates the source table of the dynamic rule; the condition source is the field in the value source; the condition value is the value that the condition should meet; the judgment logic is used to distinguish whether the target account needs to meet all condition values ​​or only one condition by setting the judgment logic between conditions when there are multiple conditions for setting an immobile account; the judgment rule is the judgment rule in the condition and condition value, which can be equal to or not equal to, etc., which is not limited in the embodiments of the present application.

[0077] Table 1 Dynamic rule definition table

[0078]

[0079]

[0080] Optionally, in the above Figure 2 Based on the illustrated embodiment, in another embodiment, the target dynamic template includes: the last account activity date of the account satisfies the date condition for inactivating the account; and / or the amount of the account satisfies the amount condition for inactivating the account.

[0081] Among them, the last account activity date refers to the date of the last transaction of the account in the bank.

[0082] In this embodiment, the target dynamic template of the account includes the last account activity date and / or the account balance of the account. Determining whether the account satisfies the condition of leaving the account inactive is based on the target dynamic template, that is, judging whether the last account activity date of the account satisfies the date condition of leaving the account inactive; and / or, the amount of the account satisfies the amount condition of leaving the account inactive. Either the last account activity date or the amount of the account may satisfy the condition of leaving the account inactive, or both may satisfy the condition of leaving the account inactive. For example, the steps of satisfying both at the same time are as follows: judging whether the last account activity date of the current account satisfies the date condition of leaving the account inactive, if the date condition is satisfied, judging whether the amount of the current account satisfies the amount condition of leaving the account inactive, if the amount of the current account satisfies the amount condition, setting the current account as an inactive account, which is not limited to the embodiments of the present application.

[0083] In the method for determining an inactive account provided in this embodiment, the target dynamic template includes the last account movement date and / or the account balance, and it is judged whether the last account movement date of the account meets the date condition for setting the inactive account; and / or the account balance meets the balance condition for setting the inactive account. This embodiment specifically introduces how to judge whether an account meets the condition for setting the inactive account through the target dynamic template, and judges from two aspects: the last account movement date and / or the account balance, thereby improving the accuracy of setting the inactive account.

[0084] The method for determining inactive accounts provided in this embodiment queries a preset dynamic rule definition table according to a target template number to obtain a target dynamic template. Since the dynamic rule definition table includes a correspondence between a template number and a dynamic template, the target dynamic template can be quickly obtained according to the correspondence between the template number and the dynamic template. Different accounts correspond to different dynamic templates, and specific analysis can be performed on different accounts, thereby improving the flexibility of the analysis process.

[0085] In the above Figure 2 Based on the embodiment shown, in another embodiment, as Figure 3 As shown, if the target template number corresponds to multiple target dynamic templates, the specific implementation steps of determining whether the account meets the condition of not moving the account according to the target dynamic template corresponding to the target template number include:

[0086] S301 : determining a current dynamic template from a plurality of target dynamic templates according to a priority order of the plurality of target dynamic templates.

[0087] In this embodiment, the target template number of the account is obtained according to step 202. If the target template number corresponds to multiple target dynamic templates, the current dynamic template needs to be determined from the multiple target dynamic templates. For example, the target dynamic template with the highest priority can be selected from the multiple target dynamic templates as the current template. If the account does not meet the condition of not moving the account set by the target dynamic template with the highest priority, the target dynamic template with the second highest priority can be selected as the current dynamic template, and so on.

[0088] S302, judging whether the account satisfies the condition of immobilizing the account according to the current dynamic template.

[0089] In this embodiment, the current dynamic template is obtained through step 301, and it is determined whether the account meets the immobilization condition according to the current dynamic template. The account information is matched with the immobilization condition. If the current account information is within the range of the immobilization condition, it is determined that the account meets the immobilization condition; if the current account information is not within the preset range of the immobilization condition, it is determined that the account does not meet the immobilization condition. For example, the time condition for immobilization is no account transaction within two years. If the current account information shows that there is no account transaction within three years, it is determined whether the current dynamic template meets the immobilization condition; if the current account information shows that there is no account transaction within one year, the current dynamic template does not meet the immobilization condition.

[0090] S303: If yes, then obtain the setting parameters of the next stage of the immobile users according to the target template number.

[0091] In this embodiment, according to the judgment result of step 302, if it is determined that the account meets the condition of setting the unmoved account, that is, the current account information is within the range of the condition of setting the unmoved account, the setting parameters of the unmoved account in the next stage are obtained according to the target template number. The unmoved account business parameter table can be directly queried according to the target template number to obtain the relevant parameters matching the target template number in the unmoved account business parameter table. Among them, the setting parameters of the unmoved account can be parameters such as the region number of the account, the start time of the unmoved account, and the amount.

[0092] Optionally, if the account does not meet the conditions for not being able to be kept inactive, that is, it is determined according to the current dynamic template that the account does not meet the conditions for not being able to be kept inactive, then the target dynamic template of the next priority level is obtained as the current dynamic template according to the priority order, and the step of judging whether the account meets the conditions for not being able to be kept inactive is performed according to the current dynamic template until it is determined according to the current dynamic template that the account meets the conditions for not being able to be kept inactive.

[0093] In this embodiment, according to the judgment result of step 302, if the dynamic template determines that the account does not meet the condition for not keeping the account, that is, the current account information is not within the range of the condition for not keeping the account, then according to the priority order of multiple target dynamic templates, the target dynamic template with the next priority is obtained as the current dynamic template, and the judgment of whether the current account meets the condition for not keeping the account continues. Under the premise that one template number corresponds to multiple target dynamic templates, the target dynamic templates are judged in turn according to the priority order whether the account meets the condition for not keeping the account, and this process is a process of repeated iterative judgment until it is determined according to the current dynamic template that the account meets the condition for not keeping the account.

[0094] In the method for determining an unmovable account provided in this embodiment, when the current dynamic template determines that the account does not meet the unmovable account condition, the target dynamic template of the next priority is obtained as the current dynamic template according to the priority order, and the current dynamic template is used to determine whether the account meets the unmovable account condition, until the current dynamic template determines that the account meets the unmovable account condition. The method determines whether the account meets the unmovable account condition according to multiple dynamic templates, and can accurately determine whether the account meets the unmovable account condition according to multiple dynamic templates, which can prevent the problem of inaccurate account identification caused by unreasonable condition settings of individual dynamic templates, thereby improving the accuracy of the judgment of unmovable account.

[0095] Optionally, in the above Figure 3 Based on the illustrated embodiment, in another embodiment, if it is determined according to multiple target dynamic templates that the account does not meet the unsetting condition, the preset default unsetting mode is used to set the account.

[0096] Among them, the default inactive account mode refers to a mode in which inactive accounts are uniformly divided according to default time and amount.

[0097] In this embodiment, when there are multiple target dynamic templates, and it is determined that the account does not meet the conditions for being set as an inactive account according to all target dynamic templates, the inactive account is uniformly classified according to the default time and amount. For example, when the last account movement date of the account is within 6 months and the amount is within the first preset amount range, the account type is an inactive account; when the last account movement date of the account is within 12 months and the amount is within the second preset amount range, the account type is a quasi-inactive account; when the last account movement date of the account is within 18 months and the amount is within the third preset amount range, the account type is a long-term inactive account; when the last account movement date of the account is within 24 months and the amount is within the fourth preset amount range, the account type is an unclaimed account, and so on.

[0098] The inactive account determination method provided in this embodiment determines that the account does not meet the inactive account setting conditions according to multiple target dynamic templates, and then uses time and amount to uniformly classify the inactive accounts. The default inactive account mode of uniformly classifying inactive accounts by time and amount determines the type of inactive accounts to a certain extent, reducing the maintenance cost of the bank.

[0099] The method for determining an immobile account provided in this embodiment, under the premise that the target template number corresponds to multiple target dynamic templates, determines the current dynamic template from multiple target dynamic templates according to the priority order of the multiple target dynamic templates, and then determines whether the account meets the condition of setting an immobile account according to the current dynamic template. If the account is determined to meet the condition of setting an immobile account according to the current dynamic template, the setting parameters of the immobile account in the next stage are obtained according to the target template number. If the account is determined not to meet the condition of setting an immobile account according to the current dynamic template, the target dynamic template of the next priority is obtained as the current dynamic template according to the priority order, and the step of determining whether the account meets the condition of setting an immobile account according to the current dynamic template is executed until the account is determined to meet the condition of setting an immobile account according to the current dynamic template. This embodiment can quickly and accurately determine whether the current account is an immobile account by prioritizing multiple dynamic templates and repeatedly iterating to determine whether the account meets the condition of setting an immobile account through multiple dynamic templates, making the determination of an immobile account more comprehensive and accurate.

[0100] In the above Figure 2 Based on the embodiment shown, in another embodiment, as Figure 4 As shown, the detailed description of the setting parameters includes at least one of the time and amount; the specific implementation steps of obtaining the setting parameters of the inactive account in the next stage according to the target template number include:

[0101] S401, query the business parameter table according to the target template number to obtain the start time and current amount of the account in the inactive account status.

[0102] The business parameter table also records the setting parameters of each account, including the start time and current amount of the inactive account. The template number can be associated with the setting parameters.

[0103] In this embodiment, according to the target template number, the setting parameters matching the target template number are first searched in the business parameter table, and the start time and current amount of the inactive account in the inactive account status are filtered out from the setting parameters.

[0104] S402, determining the time for the next inactivity of the account based on the start time of the inactivity; and / or determining the amount for the next inactivity of the account based on the current amount.

[0105] In this embodiment, the time for the next immobilization can be determined based on the start time of the unmoved account and the type of immobilized account in the next stage. For example, different types of immobilized accounts can correspond to a time length, such as 6 months for inactive accounts, 12 months for quasi-immobilized accounts, 18 months for long-term immobilized accounts, and 24 months for unclaimed accounts. Then, the start time of the unmoved account plus the time length corresponding to the type of immobilized account in the next stage can be added to determine the time for the next immobilization of the account. In addition, the amount of the next immobilization of the account can be determined based on the current amount. For example, the amount of the next immobilization of the account can be calculated based on the current amount, the bank's interest rate and related handling fees, etc., by using a bank-specific formula.

[0106] The method for determining an inactive account provided in this embodiment queries the business parameter table according to the target template number to obtain the start time of the inactive account and the current amount of the account in the inactive account state, and then determines the time for the next inactive account according to the start time of the inactive account, and determines the amount for the next inactive account according to the current amount. This embodiment determines the time and amount for the next inactive account by the start time and current amount of the inactive account, and can determine the corresponding time and amount for inactive account according to the time and amount of different accounts, thereby improving the flexibility and rationality of the time and amount for inactive account.

[0107] In one embodiment, Figure 5 As shown, the method for determining the immobile households mainly includes the following steps:

[0108] S501, determining the next stage of inactive account type corresponding to the current inactive account type of the account;

[0109] S502, according to the type of the inactive account in the next stage and the regional identifier to which the account belongs, query in the preset business parameter table to obtain the target template number of the account;

[0110] S503, querying a preset dynamic rule definition table according to the target template number to obtain a target dynamic template;

[0111] S504, determining whether the account meets the condition of not moving the account according to the target dynamic template corresponding to the target template number, if the account meets the condition of not moving the account according to the target dynamic template, executing step S508; if the account does not meet the condition of not moving the account according to the target dynamic template, executing step S511;

[0112] S505, if the target template number corresponds to multiple target dynamic templates, determine the current dynamic template from the multiple target dynamic templates according to the priority order of the multiple target dynamic templates;

[0113] S506, judging whether the account satisfies the immobilization condition according to the current dynamic template. If yes, that is, judging according to the current dynamic template, the account satisfies the immobilization condition, and step S508 is executed; if no, that is, judging according to the current dynamic template, the account does not satisfy the immobilization condition, and step S507 is executed; if none of them satisfies, that is, judging according to multiple target dynamic templates, the account does not satisfy the immobilization condition, and step S511 is executed;

[0114] S507, acquiring the target dynamic template of the next priority as the current dynamic template according to the priority order, and returning to step S505;

[0115] S508, obtaining setting parameters of the next stage of immobile users according to the target template number;

[0116] S509, query the business parameter table according to the target template number to obtain the start time and current amount of the unmoved account in the inactive account state;

[0117] S510, determining the time for the next inactivity of the account based on the inactivity start time; and / or determining the amount for the next inactivity of the account based on the current amount;

[0118] S511, if it is determined according to multiple target dynamic templates that the account does not meet the conditions for setting the account inactive, the account is set using a preset default setting mode.

[0119] The method for determining an immobilized account provided in this embodiment first determines the type of an immobilized account in the next stage according to the current type of an account, then searches the preset business parameter table according to the type of an immobilized account in the next stage and the regional identifier to which the account belongs, obtains the target template number of the account, searches the preset dynamic rule definition table according to the target template number, obtains the target dynamic template, and then determines whether the account meets the condition of setting an immobilized account according to the target dynamic template. In this process, the target template number can correspond to one or more target dynamic templates, and different situations are discussed. When the target template number corresponds to multiple target dynamic templates, it is determined whether the current dynamic template meets the condition of setting an immobilized account according to the priority order, until it is determined that the account meets the condition of setting an immobilized account according to the current dynamic template, and finally determines the time of setting an immobilized account next time according to the start time of the unmoved account; and / or determines the amount of the account to be set as an immobilized account next time according to the current amount. If it is not satisfied, the preset default immobilized account mode is used to set the account. The method determines the type, time and amount of setting an immobilized account for different accounts by conducting specific analysis on different accounts, thereby improving the flexibility of setting an immobilized account.

[0120] It should be understood that although Figure 2-5The steps in the flowchart are shown in sequence as indicated by the arrows, but these steps are not necessarily executed in the order indicated by the arrows. Unless otherwise specified in this document, there is no strict order restriction for the execution of these steps, and these steps can be executed in other orders. Moreover, Figure 2-5 At least part of the steps may include multiple steps or multiple stages. These steps or stages are not necessarily performed at the same time, but can be performed at different times. The execution order of these steps or stages is not necessarily sequential, but can be performed in turn or alternately with other steps or at least part of the steps or stages in other steps.

[0121] In one embodiment, Figure 6 As shown, a device for determining an immobile user is provided, comprising: a first determining module 11, a second determining module 12, a third determining module 13 and a setting module 14, wherein:

[0122] The first determination module 11 is used to determine the next stage of inactive account type corresponding to the current inactive account type of the account;

[0123] The second determination module 12 is used to determine the target template number of the account according to the type of the inactive account in the next stage and the regional identifier to which the account belongs;

[0124] The third determination module 13 is used to determine whether the account meets the condition of not changing the account according to the target dynamic template corresponding to the target template number;

[0125] The setting module 14 is used to set the account as an inactive account when the account meets the inactive account setting conditions.

[0126] In one embodiment, Figure 7 As shown, a device for determining an immobile household is provided, and the second determination module 12 includes: a first acquisition unit 121.

[0127] The first acquisition unit 121 is used to query in a preset business parameter table according to the type of inactive account in the next stage and the region identifier to which the account belongs, and obtain the target template number of the account.

[0128] In one embodiment, Figure 8 As shown, a device for determining an inactive user is provided, which also includes: an acquisition module 15.

[0129] The acquisition module 15 is used to query the preset dynamic rule definition table according to the target template number to obtain the target dynamic template.

[0130] In one embodiment, Fig. 9As shown, a device for determining an inactive household is provided, and the third determination module 13 includes: a first determination unit 131 and a judgment unit 132.

[0131] A first determining unit 131 is used to determine a current dynamic template from a plurality of target dynamic templates according to a priority order of the plurality of target dynamic templates;

[0132] The judgment unit 132 judges whether the account satisfies the condition of not placing the account according to the current dynamic template.

[0133] In one embodiment, Fig.10 As shown, a device for determining an immobile household is provided, and the third determination module 13 further includes: a second acquisition unit 133.

[0134] The second acquisition unit 133 is used to acquire a target dynamic template with a next priority as the current dynamic template according to the priority order when it is determined according to the current dynamic template that the account does not meet the condition for not keeping the account, and execute the step of judging whether the account meets the condition for not keeping the account according to the current dynamic template, until it is determined according to the current dynamic template that the account meets the condition for not keeping the account.

[0135] In one embodiment, Fig.11 As shown, a device for determining an inactive user is provided, and the third determination module 13 also includes: a setting unit 134.

[0136] The setting unit 134 is used to set the account using a preset default account-freezing mode when it is determined according to multiple target dynamic templates that the account does not meet the account-freezing conditions.

[0137] For the specific definition of the immobile household determination device, please refer to the definition of the immobile household determination method above, which will not be repeated here. Each module in the above-mentioned immobile household determination device can be implemented in whole or in part by software, hardware and a combination thereof. The above-mentioned modules can be embedded in or independent of the processor in the computer device in the form of hardware, or can be stored in the memory of the computer device in the form of software, so that the processor can call and execute the operations corresponding to the above modules.

[0138] In one embodiment, a computer device is provided. The computer device may be a server, and its internal structure diagram may be as follows: Fig.12As shown. The computer device includes a processor, a memory, a communication interface, a display screen and an input device connected via a system bus. Among them, the processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The communication interface of the computer device is used to communicate with an external terminal in a wired or wireless manner, and the wireless manner can be achieved through WIFI, an operator network, NFC (near field communication) or other technologies. When the computer program is executed by the processor, a method for determining an inactive user is implemented. The display screen of the computer device can be a liquid crystal display screen or an electronic ink display screen, and the input device of the computer device can be a touch layer covering the display screen, or a button, trackball or touchpad provided on the housing of the computer device, or an external keyboard, touchpad or mouse, etc. Those skilled in the art can understand that Fig.12 The structure shown in the figure is only a block diagram of a part of the structure related to the solution of the present application, and does not constitute a limitation on the computer device to which the solution of the present application is applied. The specific computer device may include more or fewer components than those shown in the figure, or combine certain components, or have a different arrangement of components.

[0139] In one embodiment, a computer device is provided, including a memory and a processor, wherein a computer program is stored in the memory, and when the processor executes the computer program, the following steps are implemented:

[0140] Determine the next stage of inactive account type corresponding to the current inactive account type of the account;

[0141] Determine the target template number of the account according to the type of inactive account in the next stage and the regional identifier to which the account belongs;

[0142] Determine whether the account meets the conditions for immobilization according to the target dynamic template corresponding to the target template number;

[0143] If the account meets the conditions for being placed inactive, the account will be placed inactive.

[0144] In one embodiment, when the processor executes the computer program, the following steps are further implemented: determining the target template number of the account according to the type of the inactive account in the next stage and the regional identifier to which the account belongs, including:

[0145] According to the inactive account type of the next stage and the regional ID to which the account belongs, a query is performed in the preset business parameter table to obtain the target template number of the account; the business parameter table includes the correspondence between the inactive account type, regional ID and template number.

[0146] In one embodiment, when the processor executes the computer program, the following steps are also implemented:

[0147] The preset dynamic rule definition table is queried according to the target template number to obtain the target dynamic template. The dynamic rule definition table includes the corresponding relationship between the template number and the dynamic template.

[0148] In one embodiment, when the processor executes the computer program, the following steps are further implemented: if the target template number corresponds to multiple target dynamic templates, determining whether the account meets the immobilization condition according to the target dynamic template corresponding to the target template number includes:

[0149] Determine a current dynamic template from the multiple target dynamic templates according to the priority order of the multiple target dynamic templates;

[0150] Determine whether the account meets the conditions for not being placed according to the current dynamic template. If the account meets the conditions for not being placed according to the current dynamic template, obtain the setting parameters for the next stage of not being placed according to the target template number.

[0151] In one embodiment, when the processor executes the computer program, the following steps are further implemented: setting parameters including at least one of time and amount; obtaining setting parameters of the inactive account in the next stage according to the target template number, including:

[0152] Query the business parameter table according to the target template number to obtain the start time and current amount of the unmoved account in the inactive account status;

[0153] The time for the next inactivity of the account is determined based on the start time of the inactivity; and / or the amount of the next inactivity of the account is determined based on the current amount.

[0154] In one embodiment, when the processor executes the computer program, the following steps are also implemented:

[0155] If it is determined according to the current dynamic template that the account does not meet the conditions for not being able to be placed in a fixed position, the target dynamic template of the next priority is obtained as the current dynamic template according to the priority order, and the step of determining whether the account meets the conditions for not being able to be placed in a fixed position according to the current dynamic template is executed until it is determined according to the current dynamic template that the account meets the conditions for not being able to be placed in a fixed position.

[0156] In one embodiment, when the processor executes the computer program, the following steps are also implemented:

[0157] If it is determined based on multiple target dynamic templates that the account does not meet the conditions for not placing the account in place, the account will be set using the preset default account inactivity mode.

[0158] In one embodiment, when the processor executes the computer program, the following steps are further implemented: the target dynamic template includes:

[0159] The last account activity date satisfies the inactivity date requirement; and / or,

[0160] The balance in the account meets the balance requirement for an inactive account.

[0161] In one embodiment, a computer readable storage medium is provided, on which a computer program is stored, and when the computer program is executed by a processor, the following steps are implemented:

[0162] Determine the next stage of inactive account type corresponding to the current inactive account type of the account;

[0163] Determine the target template number of the account according to the type of inactive account in the next stage and the regional identifier to which the account belongs;

[0164] Determine whether the account meets the conditions for immobilization according to the target dynamic template corresponding to the target template number;

[0165] If the account meets the conditions for being placed inactive, the account will be placed inactive.

[0166] In one embodiment, when the computer program is executed by the processor, the following steps are further implemented: determining the target template number of the account according to the type of the inactive account in the next stage and the regional identifier to which the account belongs, including:

[0167] According to the inactive account type of the next stage and the regional ID to which the account belongs, a query is performed in the preset business parameter table to obtain the target template number of the account; the business parameter table includes the correspondence between the inactive account type, regional ID and template number.

[0168] In one embodiment, when the computer program is executed by a processor, the following steps are also implemented:

[0169] The preset dynamic rule definition table is queried according to the target template number to obtain the target dynamic template. The dynamic rule definition table includes the corresponding relationship between the template number and the dynamic template.

[0170] In one embodiment, when the computer program is executed by the processor, the following steps are further implemented: if the target template number corresponds to multiple target dynamic templates, determining whether the account meets the immobilization condition according to the target dynamic template corresponding to the target template number includes:

[0171] Determine a current dynamic template from the multiple target dynamic templates according to the priority order of the multiple target dynamic templates;

[0172] Determine whether the account meets the conditions for not being set up according to the current dynamic template. If the account meets the conditions for not being set up according to the current dynamic template, obtain the setting parameters for the next stage of not being set up according to the target template number.

[0173] In one embodiment, when the computer program is executed by the processor, the following steps are further implemented: setting parameters including at least one of time and amount; obtaining setting parameters of the inactive account in the next stage according to the target template number, including:

[0174] Query the business parameter table according to the target template number to obtain the start time and current amount of the unmoved account in the inactive account status;

[0175] The time for the next inactivity of the account is determined based on the start time of the inactivity; and / or the amount of the next inactivity of the account is determined based on the current amount.

[0176] In one embodiment, when the computer program is executed by a processor, the following steps are also implemented:

[0177] If it is determined according to the current dynamic template that the account does not meet the conditions for not being able to be placed in a fixed position, the target dynamic template of the next priority is obtained as the current dynamic template according to the priority order, and the step of determining whether the account meets the conditions for not being able to be placed in a fixed position according to the current dynamic template is executed until it is determined according to the current dynamic template that the account meets the conditions for not being able to be placed in a fixed position.

[0178] In one embodiment, when the computer program is executed by a processor, the following steps are also implemented:

[0179] If it is determined based on multiple target dynamic templates that the account does not meet the conditions for not placing the account in place, the account will be set using the preset default account inactivity mode.

[0180] In one embodiment, when the computer program is executed by a processor, the following steps are further implemented: the target dynamic template includes:

[0181] The last account activity date satisfies the inactivity date requirement; and / or,

[0182] The balance in the account meets the balance requirement for an inactive account.

[0183] Those of ordinary skill in the art can understand that all or part of the processes in the above-mentioned embodiment methods can be completed by instructing the relevant hardware through a computer program, and the computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, any reference to memory, storage, database or other media used in the embodiments provided in this application can include at least one of non-volatile and volatile memory. Non-volatile memory may include read-only memory (ROM), magnetic tape, floppy disk, flash memory or optical memory, etc. Volatile memory may include random access memory (RAM) or external cache memory. As an illustration and not limitation, RAM can be in various forms, such as static random access memory (SRAM) or dynamic random access memory (DRAM).

[0184] The technical features of the above embodiments may be combined arbitrarily. To make the description concise, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this specification.

[0185] The above embodiments only express several implementation methods of the present application, and the descriptions thereof are relatively specific and detailed, but they cannot be understood as limiting the scope of the invention patent. It should be pointed out that, for a person of ordinary skill in the art, several variations and improvements can be made without departing from the concept of the present application, and these all belong to the protection scope of the present application. Therefore, the protection scope of the patent of the present application shall be subject to the attached claims.

Claims

1. A method for determining an inactive household, characterized in that: The method comprises: Determine the next stage of inactive account type corresponding to the current inactive account type of the account; Determine the target template number of the account according to the type of the inactive account in the next stage and the region identifier to which the account belongs; Determining whether the account satisfies the inactive account condition according to the target dynamic template corresponding to the target template number, the target dynamic template includes the last transaction date and / or the account balance of the account, and the inactive account condition includes the number of years without transaction, the amount of the account, the region identifier of the account, and the credit status of the account; If the last account activity date of the account satisfies the date condition for placing the account inactive and / or the account balance satisfies the balance condition for placing the account inactive, the account is placed inactive; The step of determining the target template number of the account according to the type of the inactive account in the next stage and the region identifier to which the account belongs includes: According to the inactive account type of the next stage and the regional identifier to which the account belongs, a query is performed in a preset business parameter table to obtain the target template number of the account; the business parameter table includes the correspondence between the inactive account type, regional identifier and template number.

2. The method according to claim 1, characterized in that The method further comprises: The preset dynamic rule definition table is queried according to the target template number to obtain the target dynamic template, and the dynamic rule definition table includes a corresponding relationship between template numbers and dynamic templates.

3. The method according to claim 1, characterized in that If the target template number corresponds to a plurality of target dynamic templates, determining whether the account satisfies the immobilization condition according to the target dynamic template corresponding to the target template number includes: Determining a current dynamic template from the multiple target dynamic templates according to the priority order of the multiple target dynamic templates; Determine whether the account satisfies the immobilization condition according to the current dynamic template; if the account satisfies the immobilization condition according to the current dynamic template, obtain the setting parameters of the next stage of immobilization according to the target template number.

4. The method according to claim 3, characterized in that The setting parameters include at least one of time and amount; the step of obtaining the setting parameters of the inactive account of the next stage according to the target template number includes: Query the business parameter table according to the target template number to obtain the start time and current amount of the inactive account when the account is in an inactive state; The time for the account to be inactive next time is determined based on the start time of the inactive account; and / or the amount of the account to be inactive next time is determined based on the current amount.

5. The method according to claim 3, characterized in that: The method further comprises: If it is determined according to the current dynamic template that the account does not satisfy the condition for not keeping the account, then the target dynamic template of the next priority is obtained as the current dynamic template according to the priority order, and the step of judging whether the account satisfies the condition for not keeping the account is performed according to the current dynamic template, until it is determined according to the current dynamic template that the account satisfies the condition for not keeping the account.

6. The method according to claim 3, characterized in that The method further comprises: If it is determined according to the multiple target dynamic templates that the account does not meet the unsetting condition, the account is set using a preset default unsetting mode.

7. A device for determining an inactive user, characterized in that: The device comprises: A first determination module is used to determine the next stage of inactive account type corresponding to the current inactive account type of the account; A second determination module is used to determine the target template number of the account according to the type of the inactive account in the next stage and the region identifier to which the account belongs; A third determination module is used to determine whether the account satisfies the inactive account condition according to the target dynamic template corresponding to the target template number, the target dynamic template includes the last transaction date and / or the account balance of the account, and the inactive account condition includes the number of years without transaction, the amount of the account, the region identifier of the account, and the credit status of the account; A setting module, if the last account activity date of the account satisfies the date condition of setting the account inactive and / or the account balance satisfies the balance condition of setting the account inactive, then sets the account inactive; The second determining module is specifically used to: According to the inactive account type of the next stage and the regional identifier to which the account belongs, a query is performed in a preset business parameter table to obtain the target template number of the account; the business parameter table includes the correspondence between the inactive account type, regional identifier and template number.

8. A computer device comprising a memory and a processor, wherein the memory stores a computer program, wherein: When the processor executes the computer program, the steps of the method according to any one of claims 1 to 6 are implemented.

9. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 6 are implemented.

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