Pre-sale fund supervision account abnormal identification method and device

Abstract

The embodiment of the present invention discloses a method and device for identifying abnormalities in pre-sale fund supervision account entry, the method comprising: obtaining fund supervision account entry data; querying the channel acquisition reconciliation data and bank detailed data corresponding to the fund supervision account entry data to obtain the query result; and identifying abnormalities in the fund supervision account entry data according to the query result. The present invention achieves the technical effect of efficiently identifying abnormalities in pre-sale fund supervision account entry by querying the channel acquisition reconciliation data and bank detailed data corresponding to the fund supervision account entry data, and then by checking the data, solving the technical problems of low efficiency and difficulty in ensuring accuracy in the existing method of using manual screening to identify whether the pre-sale fund entry is abnormal.

Description

Technical Field

[0001] The present invention relates to the technical field of big data intelligent analysis, and in particular to a method and device for identifying abnormalities in pre-sale fund supervision entry. Background Art

[0002] Supervision of pre-sale funds for commodity housing refers to the third-party supervision of pre-sale funds for commodity housing by the real estate authorities together with banks. Real estate developers must deposit pre-sale funds into a special bank supervision account, which can only be used for the construction of the project and cannot be withdrawn or used at will. Pre-sale funds for commodity housing refer to the purchase price (including deposit, down payment, subsequent payment, and mortgage payment) that the developer pays to the buyer in accordance with the commodity housing sales contract after the developer sells the commodity housing under construction to the buyer.

[0003] There are many payment modes for pre-sale funds of commodity houses. Currently, there are bank transfers, channel entry (such as POS card entry), etc. In view of the fact that developers in various places currently collect pre-sale funds of commodity houses from buyers, they will collect them from a separate account. The period from the buyer's down payment to the house registration is generally about 2 months. During this period, the developer will have a large amount of pre-sale funds of commodity houses, which leads to the developer's frequent temporary misappropriation of funds for other plans. Moreover, when the developer transfers the funds to the supervision account later, some local POSs have a separate return function, that is, they can be returned within a certain period of time, which leads to the developer applying for the transfer of funds to the fund supervision account during the day, notifying the pre-sale fund supervision to enter the account in real time, the developer applying for online signing and registration, and then applying for POS transfer return that night, resulting in the fraudulent behavior of false entry. For similar situations mentioned above, if real-time supervision is not in place, the developer will misappropriate the customer's funds, which will bring greater risks to the customer's funds.

[0004] At present, the method of manual screening is usually used to identify whether the pre-sale funds of commercial housing are abnormal. The accuracy of this manual screening method is highly dependent on the professionalism of the screening personnel, so the accuracy of this method of screening cannot be guaranteed. In addition, this manual screening method also has the problem of low efficiency and waste of human resources. Summary of the invention

[0005] In order to solve the technical problems of low efficiency and difficulty in ensuring accuracy in identifying whether pre-sale funds are abnormal in the form of manual investigation, the present invention proposes a method and device for identifying abnormal pre-sale funds supervision entry.

[0006] In order to achieve the above object, according to one aspect of the present invention, a method for identifying abnormalities in pre-sale fund supervision entry is provided, the method comprising:

[0007] Obtain the fund supervision incoming account data from the fund supervision business system. Among them, the fund supervision business system is used to conduct fund supervision on contracts. After the pre-sale funds are transferred into the fund supervision account corresponding to the contract, the fund supervision business system generates the fund supervision incoming account data for this pre-sale fund.

[0008] Query the channel receipt reconciliation data and bank statement data corresponding to the fund supervision incoming account data in the fund supervision business system to obtain the query result.

[0009] Identify the incoming account anomalies of the fund supervision incoming account data according to the query result.

[0010] Optionally, the identifying the incoming account anomalies of the fund supervision incoming account data according to the query result specifically includes:

[0011] If the query result shows that there is no channel receipt reconciliation data and bank statement data corresponding to the fund supervision incoming account data, generate the first POS return anomaly information.

[0012] Optionally, the identifying the incoming account anomalies of the fund supervision incoming account data according to the query result specifically includes:

[0013] If the query result shows that there is channel receipt reconciliation data corresponding to the fund supervision incoming account data, obtain the reconciliation date of the channel receipt reconciliation data in the query result and the incoming account date of the fund supervision incoming account data.

[0014] If the reconciliation date is different from the incoming account date, generate the second POS return anomaly information.

[0015] Optionally, the identifying the incoming account anomalies of the fund supervision incoming account data according to the reconciliation date and the incoming account date specifically further includes:

[0016] If the reconciliation date is the same as the incoming account date, determine the settlement time of the channel receipt reconciliation data in the query result.

[0017] If the settlement time is not within the preset time range, generate the settlement time anomaly information.

[0018] Optionally, the identifying the incoming account anomalies of the fund supervision incoming account data according to the reconciliation date and the incoming account date specifically further includes:

[0019] If the reconciliation date is the same as the incoming account date and the settlement time is within the preset time range, determine whether there is bank statement data corresponding to the channel receipt reconciliation data in the query result.

[0020] If there is no bank statement data corresponding to the channel receipt reconciliation data in the query result, bank statement matching exception information is generated.

[0021] Optionally, the recognition of abnormal posting of the funds supervision posting data according to the query result specifically includes:

[0022] If the query result shows that there is bank statement data corresponding to the funds supervision posting data but no channel receipt reconciliation data corresponding to the funds supervision posting data, first obtain the name of the home buyer in the purchase contract data corresponding to the funds supervision posting data, and then compare the name of the payment account in the bank statement data in the query result with the name of the home buyer. If the comparison is inconsistent, non-home-buyer payment abnormal information is generated.

[0023] Optionally, the method for recognizing abnormal posting of advance sale funds supervision further includes:

[0024] Summarize the bank statement data corresponding to each funds supervision posting data, and count the number of times each remitter information appears in the summarized bank statement data;

[0025] If the number of times the remitter information appears is greater than the preset value, determine that the remitter information is abnormal remitter information.

[0026] To achieve the above object, according to another aspect of the present invention, there is provided an apparatus for recognizing abnormal posting of advance sale funds supervision, the apparatus includes:

[0027] A funds supervision posting data acquisition unit, configured to acquire funds supervision posting data from a funds supervision business system, where the funds supervision business system is used to supervise the funds of a contract, and when the advance sale funds are transferred into the funds supervision account corresponding to the contract, the funds supervision business system generates the funds supervision posting data of this advance sale funds;

[0028] A data query unit, configured to query the channel receipt reconciliation data and bank statement data corresponding to the funds supervision posting data in the funds supervision business system to obtain a query result;

[0029] An abnormal posting recognition unit, configured to recognize abnormal posting of the funds supervision posting data according to the query result.

[0030] To achieve the above object, according to another aspect of the present invention, there is also provided a computer device, including a memory, a processor, and a computer program stored on the memory and executable on the processor, and when the processor executes the computer program, the steps of the above method for recognizing abnormal posting of advance sale funds supervision are implemented.

[0031] To achieve the above object, according to another aspect of the present invention, there is also provided a computer-readable storage medium, on which a computer program / instructions are stored, and when the computer program / instructions are executed by a processor, the steps of the above-mentioned pre-sale fund supervision and accounting anomaly recognition method are implemented.

[0032] To achieve the above object, according to another aspect of the present invention, there is also provided a computer program product, including a computer program / instructions, and when the computer program / instructions are executed by a processor, the steps of the above-mentioned pre-sale fund supervision and accounting anomaly recognition method are implemented.

[0033] The beneficial effects of the present invention are as follows:

[0034] In the embodiment of the present invention, by querying the channel acquirer reconciliation data and bank statement data corresponding to the fund supervision and accounting data, and then by checking the data, the technical effect of efficiently identifying the accounting anomalies in the pre-sale fund supervision is achieved, and the technical problems of low efficiency and difficult accuracy guarantee existing in the existing method of manually checking to identify whether the pre-sale fund accounting is abnormal are solved. BRIEF DESCRIPTION OF THE DRAWINGS

[0035] To more clearly illustrate the technical solutions in the embodiments of the present invention 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 drawings are some embodiments of the present invention. For those of ordinary skill in the art, other drawings can be obtained based on these drawings without creative efforts. In the drawings:

[0036] Figure 1 is a flowchart of the pre-sale fund supervision and accounting anomaly recognition method in the embodiment of the present invention;

[0037] Figure 2 is a schematic diagram of normal and abnormal accounting in the embodiment of the present invention;

[0038] Figure 3 is a first flowchart of identifying accounting anomalies according to the query results in the embodiment of the present invention;

[0039] Figure 4 is a second flowchart of identifying accounting anomalies according to the query results in the embodiment of the present invention;

[0040] Figure 5 is a third flowchart of identifying accounting anomalies according to the query results in the embodiment of the present invention;

[0041] Figure 6 is a flowchart of determining abnormal remitter information in the embodiment of the present invention;

[0042] Figure 7It is the structural block diagram of the pre-sale fund supervision and accounting anomaly identification device according to an embodiment of the present invention;

[0043] Figure 8 It is the schematic diagram of a computer device according to an embodiment of the present invention. Detailed implementation manners

[0044] In order to enable those skilled in the art of the present technology to better understand the solutions of the present invention, the technical solutions in the embodiments of the present invention will be clearly and completely described below in conjunction with the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only a part of the embodiments of the present invention, rather than all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those of ordinary skill in the art without creative efforts shall fall within the protection scope of the present invention.

[0045] Those skilled in the art should understand that the embodiments of the present invention can be provided as methods, systems, or computer program products. Therefore, the present invention can adopt the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware aspects. Moreover, the present invention can adopt the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0046] It should be noted that the terms "including" and "having" in the description and claims of the present invention and any variations thereof are intended to cover non-exclusive inclusion. For example, a process, method, system, product, or device including a series of steps or units does not necessarily have to be limited to those clearly listed steps or units, but may include other steps or units not clearly listed or inherent to these processes, methods, products, or devices.

[0047] It should be noted that, without conflict, the embodiments in the present invention and the features in the embodiments can be combined with each other. The present invention will be described in detail below with reference to the drawings and in conjunction with the embodiments.

[0048] It should be noted that the acquisition, storage, use, processing, etc. of data in the technical solutions of the present application all comply with the relevant regulations of national laws and regulations.

[0049] It should be noted that the pre-sale fund supervision and accounting anomaly identification method and device according to the embodiments of the present invention can be applied to the supervision of pre-sale funds for commercial housing, and can also be applied to the supervision of other types of pre-sale funds. For the convenience of explaining the solutions, the following embodiments take the supervision of pre-sale funds for commercial housing as an example.

[0050] Figure 1 It is the flowchart of the pre-sale fund supervision and accounting anomaly identification method according to an embodiment of the present invention, asFigure 1 As shown in Figure 1 , in an embodiment of the present invention, the method for identifying abnormal supervision account entry of pre-sale funds of the present invention includes steps S101 to S103.

[0051] Step S101, obtaining the supervision account entry data of the funds from the funds supervision business system, where the funds supervision business system is used to supervise the funds of the contract. When the pre-sale funds are transferred into the corresponding funds supervision account of the contract, the funds supervision business system generates the supervision account entry data of this pre-sale fund.

[0052] In the present invention, the funds supervision business system supervises the funds of the contract. Usually, when the pre-sale funds are transferred into the corresponding funds supervision account of the contract, the funds supervision business system generates the supervision account entry data of this transferred pre-sale fund. In an embodiment of the present invention, the contract may be a housing purchase contract.

[0053] In an embodiment of the present invention, for the funds supervision business system, each housing purchase contract will have corresponding supervision business account entry data. In an embodiment of the present invention, the supervision account entry data may specifically include: contract number, bank transaction number, amount, business transaction number, nature of funds, entry date, supervision account number, and supervision sub-account number, etc.

[0054] Step S102, querying the channel receipt reconciliation data and bank statement data corresponding to the supervision account entry data in the funds supervision business system to obtain the query result.

[0055] In an embodiment of the present invention, the channel receipt reconciliation data refers to the channel receipt details, such as POS, scanning code, etc. For the receipt channels, after the receipt details are cleared at night on the same day, the receipt reconciliation details should be uniformly pushed to the funds supervision business system for verification. In an embodiment of the present invention, the channel receipt reconciliation data may specifically include: contract number, name of the payment account, bank transaction number, amount, nature of funds, business number, reconciliation date, and supervision sub-account number, etc.

[0056] In an embodiment of the present invention, the bank statement data is the statement pushed by the bank. In an embodiment of the present invention, the bank statement data may specifically include: payment account number, name of the payment account, receipt account number, amount, bank transaction number, abstract, and date, etc.

[0057] In an embodiment of the present invention, if the contract number, bank transaction number, amount, and supervision sub-account number in a piece of channel receipt reconciliation data are the same as those in the supervision account entry data, it is determined that this piece of channel receipt reconciliation data is the channel receipt reconciliation data corresponding to the supervision account entry data.

[0058] In an embodiment of the present invention, if the amount and bank serial number in a bank statement data are the same as those in the fund supervision incoming account data, and the receiving account number in the bank statement data is the same as the supervision account number in the fund supervision incoming account data, then it is determined that the bank statement data is the bank statement data corresponding to the fund supervision incoming account data.

[0059] Step S103, perform incoming account anomaly identification on the fund supervision incoming account data according to the query result.

[0060] As Figure 2 shown, there are usually two ways for the incoming account of pre-sale fund supervision: bank transfer (including online and counter) and channel incoming account (such as POS machine swiping card, code scanning, etc.).

[0061] For the way of bank transfer, the customer transfers the pre-sale funds into the fund supervision account (abbreviation: supervision account) through bank transfer. The bank generates the transfer details of this transfer, that is, the bank statement data, and pushes the bank statement data to the fund supervision business system for verification. The fund supervision business system generates the supervision business incoming account data after receiving the bank statement data of this transfer.

[0062] For the way of channel incoming account (such as POS machine swiping card, etc.), the channel party clears all the incoming account records within a day with the corresponding fund supervision account at a fixed time every day (such as 24:00), generates a unique bank serial number for the settlement with the fund supervision account. At this time, an income detail will be generated in the bank for the fund supervision account, and the corresponding bank serial number is consistent with that of the settlement. After the acquirer channel settlement is completed, it pushes the channel acquirer reconciliation data to the fund supervision business system for verification, and the bank also pushes the income detail of the fund supervision account, that is, the bank statement data, to the fund supervision business system for verification. The details pushed at this time will include the bank serial number information generated by the corresponding settlement.

[0063] It can be seen that for the way of bank transfer, only bank statement data and fund supervision incoming account data will be generated for the incoming account of pre-sale funds. For the way of channel incoming account, fund supervision incoming account data, channel acquirer reconciliation data and bank statement data will be generated for the incoming account of pre-sale funds.

[0064] In an embodiment of the present invention, the present invention verifies the fund supervision incoming account data and the corresponding channel acquirer reconciliation data and / or bank statement data of the fund supervision incoming account data according to the preset verification rules, thereby realizing the identification of incoming account anomalies in the pre-sale fund supervision.

[0065] In an embodiment of the present invention, the method for identifying abnormal deposit of pre-sale funds specifically involves four types of data: deposit data for funds supervision, purchase contract data, channel receipt reconciliation data, and bank statement data. The present invention can establish a rule model based on the relationships among these four types of data to identify abnormal deposits. The results of the abnormal deposit identification can be pushed to relevant personnel, and the corresponding results of the abnormal deposit identification can also be displayed on the front end.

[0066] In an embodiment of the present invention, the purchase contract data can be the purchase contracts signed in the commercial housing transaction system. In an embodiment of the present invention, the purchase contract data may specifically include: contract number, purchaser's name, ID number, free funds, loan funds, signing date, self-owned sub-account, and loan sub-account, etc.

[0067] In an embodiment of the present invention, the contract number is divided into two sub-accounts, namely the self-owned sub-account and the loan sub-account. These sub-accounts are unique. The collection channel can locate a unique contract based on this sub-account. After the collection channel completes the payment, it will push the corresponding payment details to the supervision system in real time for real-time deposit, which is convenient for housing online signing and filing.

[0068] In an embodiment of the present invention, the bank transaction number is generally for the collection channel, such as POS card swiping, etc. The housing deposit records received on the same day are summarized and cleared, and need to be cleared with the supervision account to generate a unique bank transaction number. At this time, an income detail will be generated for the supervision account in the bank, and the corresponding bank transaction number will be consistent with the cleared one. After the collection channel completes the clearing, it will push the contract deposit details received on the same day to the pre-sale funds supervision system for verification. At this time, the pushed details will include the bank transaction number information generated by the corresponding clearing.

[0069] In an embodiment of the present invention, the funds supervision business system conducts unified verification based on the bank statement data pushed by the bank, its own supervision business deposit data, and the channel receipt reconciliation data according to the mapped relationships, so as to identify abnormal deposits.

[0070] In an embodiment of the present invention, the identifying abnormal deposit of the funds supervision deposit data according to the query result in step S103 specifically includes:

[0071] If the query result shows that there is no corresponding channel receipt reconciliation data and bank statement data for the funds supervision deposit data, a first POS return abnormal information will be generated.

[0072] In the present invention, if there is no corresponding channel acquirer reconciliation data and bank statement data for the fund supervision incoming account data, it indicates that this incoming account is not in the form of bank transfer. Since the bank can be considered reliable, if it is in the form of bank transfer, there must be corresponding bank statement data for the fund supervision incoming account data. That is to say, this incoming account is in the form of channel incoming account. However, normally, for the form of channel incoming account, there should be corresponding channel acquirer reconciliation data and bank statement data for the fund supervision incoming account data. If there is only fund supervision incoming account data but no corresponding channel acquirer reconciliation data, it is possible that the developer has exploited the loophole of POS return, that is, the developer applies to transfer funds to the fund supervision account through POS during the day, notifies the advance sale fund supervision business system to record the incoming account in real time, the developer applies for online signing and filing, and then applies for POS return before the settlement between POS and the fund supervision account, that is, the developer uses the POS mechanism for false incoming account fraud behavior.

[0073] As Figure 3 shown, in an embodiment of the present invention, the abnormal incoming account identification of the fund supervision incoming account data according to the query result in the above step S103 specifically includes step S201 and step S202.

[0074] Step S201, if the query result is that there is corresponding channel acquirer reconciliation data for the fund supervision incoming account data, obtain the reconciliation date of the channel acquirer reconciliation data in the query result and the incoming account date of the fund supervision incoming account data.

[0075] Step S202, if the reconciliation date and the incoming account date are different, generate a second POS return abnormal information.

[0076] In an embodiment of the present invention, if the reconciliation date and the incoming account date are the same, it is considered that there is no POS return abnormality, and there is no need to generate abnormal information, and then enter the following step S301 for further abnormal identification.

[0077] In the present invention, for the form of channel incoming account (such as POS machine card swiping, etc.), the channel party settles all the housing incoming account records within a day with the corresponding fund supervision account at a fixed time every day (such as 24:00). Therefore, for the normal settlement process, the reconciliation date of the channel acquirer reconciliation data and the incoming account date of the fund supervision incoming account data should be the same day. If the reconciliation date of the channel acquirer reconciliation data and the incoming account date of the fund supervision incoming account data are not the same day, it is possible that the developer has exploited the loophole of POS return to return the funds on the day of card swiping.

[0078] As Figure 4As shown, in an embodiment of the present invention, the abnormal identification of the fund supervision account data according to the query result in step S103 specifically further includes step S301 and step S302.

[0079] Step S301, if the reconciliation date and the posting date are the same, determine the settlement time of the channel acquirer reconciliation data in the query result.

[0080] In an embodiment of the present invention, the settlement time of the channel acquirer reconciliation data may be the time when the fund supervision business system receives the channel acquirer reconciliation data.

[0081] Step S302, if the settlement time is not within the preset time range, generate settlement time abnormal information.

[0082] In an embodiment of the present invention, if the settlement time is within the preset time range, it is considered that there is no abnormality in the settlement time, and there is no need to generate abnormal information, and then enter the following step S401 for further abnormal identification.

[0083] In the present invention, for the method of channel posting (such as POS machine swiping), the channel party settles all the housing posting records of the day with the corresponding fund supervision account at a fixed time every day (such as 24:00), and the settlement time every day is fixed. The present invention sets the correct settlement time range according to the channel settlement time, that is, the above-mentioned preset time range. If the settlement time of the channel acquirer reconciliation data is not within the preset time range, it is very likely that the developer has changed the collection method and privately forged the settlement record.

[0084] As Figure 5 As shown, in an embodiment of the present invention, the abnormal identification of the fund supervision account data according to the query result in step S103 specifically further includes step S401 and step S402.

[0085] Step S401, if the reconciliation date and the posting date are the same and the settlement time is within the preset time range, determine whether there is bank statement data corresponding to the channel acquirer reconciliation data in the query result.

[0086] Step S402, if there is no bank statement data corresponding to the channel acquirer reconciliation data in the query result, generate bank statement matching abnormal information.

[0087] In an embodiment of the present invention, if there is bank statement data corresponding to the channel receipt reconciliation data in the query result, it is considered that there is no abnormality in the bank statement matching, and no abnormal information is generated. In the present invention, for the method of channel receipt, the pre-sale funds receipt will generate funds supervision receipt data, channel receipt reconciliation data, and bank statement data. If there is no bank statement data corresponding to the channel receipt reconciliation data, it is possible that the developer privately forges the settlement record.

[0088] In an embodiment of the present invention, the recognition of receipt abnormality of the funds supervision receipt data according to the query result in step S103 specifically includes:

[0089] If the query result is that there is bank statement data corresponding to the funds supervision receipt data but there is no channel receipt reconciliation data corresponding to the funds supervision receipt data, first obtain the name of the home buyer in the purchase contract data corresponding to the funds supervision receipt data, and then compare the payment account name in the bank statement data in the query result with the name of the home buyer. If the comparison is inconsistent, generate an abnormal information of non-home-buyer payment.

[0090] In an embodiment of the present invention, if the payment account name in the bank statement data in the query result is consistent with the name of the home buyer, it is considered that the payment is made by the home buyer himself / herself and there is no abnormality.

[0091] In the present invention, if the query result is that there is bank statement data corresponding to the funds supervision receipt data but there is no channel receipt reconciliation data corresponding to the funds supervision receipt data, it means that the receipt this time is by bank transfer. For the bank transfer method, it is necessary to verify whether the payment account name is the same as the name of the home buyer in the purchase contract data, so as to identify whether the down payment is paid by different people, that is, to carry out the early warning of non-home-buyer payment.

[0092] Figure 6 It is a flowchart for determining the information of the abnormal remitter in the embodiment of the present invention. As Figure 6 shown, in an embodiment of the present invention, the pre-sale funds supervision receipt abnormality recognition method of the present invention further includes step S501 and step S502.

[0093] Step S501, summarize the bank statement data corresponding to each funds supervision receipt data, and count the number of times each remitter information appears in the summarized bank statement data.

[0094] In an embodiment of the present invention, the summarizing of the bank statement data corresponding to each funds supervision receipt data in this step can specifically be summarizing all the bank statement data received by the funds supervision business system.

[0095] In an embodiment of the present invention, the remitter information specifically includes: the payment account number and the name of the payment account.

[0096] Step S502, if the number of occurrences of the remitter information is greater than a preset value, determine that the remitter information is abnormal remitter information.

[0097] In an embodiment of the present invention, if the number of occurrences of the remitter information is less than or equal to the preset value, determine that the remitter information is normal remitter information. In the present invention, since there are housing purchase restrictions in most cities, normal home buyers will not conduct advance payment fund supervision very frequently. The present invention aggregates all bank detail data received by the fund supervision business system and counts the number of occurrences of each remitter. If the number of occurrences of a remitter is greater than the preset value, it is very likely that the remitter is an account used by the developer to misappropriate funds. Therefore, the remitter information needs to be listed as abnormal remitter information and further in-depth verification is required.

[0098] In the present invention, according to the remitter information corresponding to the receipt of the supervision account pushed by the bank, if there are duplicate names or relatively large amounts, that is, the developer has misappropriated the funds of the advance payment, the frequency and number of pens of the developer's misappropriation of the advance payment can be calculated based on the time of the details and the number of repetitions.

[0099] In an embodiment of the present invention, the method for identifying abnormal entry of advance sales funds of the present invention further includes:

[0100] If there is bank detail data corresponding to the fund supervision entry data, it is also determined whether the name of the payment account of the corresponding bank detail data is empty. If it is empty, payment account abnormal information is generated. If the name of the payment account in the bank detail data pushed by the bank is empty, it means that this detail may have been manually decomposed and entered by the developer, that is, there is a probability that the developer has misappropriated the advance sales funds.

[0101] In an embodiment of the present invention, if the name of the payment account in the bank detail data pushed by the bank is not empty, it is considered that the bank detail data pushed by the bank is normal and no abnormal information is generated.

[0102] It can be seen from the above embodiments that the embodiments of the present invention automatically identify abnormal entries by formulating rules for identifying abnormal entries, saving labor costs, improving the monitoring efficiency and accuracy of the entered funds, and greatly reducing the risk of developers misappropriating funds.

[0103] It should be noted that the steps shown in the flowchart of the accompanying drawings can be executed in a computer system such as a set of computer-executable instructions. And although the logical order is shown in the flowchart, in some cases, the steps shown or described can be executed in a different order than here.

[0104] Based on the same inventive concept, an embodiment of the present invention further provides a device for identifying abnormal supervision account entry of pre-sale funds, which can be used to implement the method for identifying abnormal supervision account entry of pre-sale funds described in the above embodiments, as described in the following embodiments. Since the principle of the device for identifying abnormal supervision account entry of pre-sale funds to solve problems is similar to that of the method for identifying abnormal supervision account entry of pre-sale funds, the embodiments of the device for identifying abnormal supervision account entry of pre-sale funds can refer to the embodiments of the method for identifying abnormal supervision account entry of pre-sale funds, and the repeated parts will not be elaborated. As used hereinafter, the term "unit" or "module" may be a combination of software and / or hardware that can implement a predetermined function. Although the devices described in the following embodiments are preferably implemented in software, implementation in hardware, or a combination of software and hardware is also possible and contemplated.

[0105] Figure 7 is the structural block diagram of the device for identifying abnormal supervision account entry of pre-sale funds in the embodiment of the present invention, as Figure 7 shown. In an embodiment of the present invention, the device for identifying abnormal supervision account entry of pre-sale funds of the present invention includes:

[0106] A fund supervision account entry data acquisition unit 1, configured to acquire fund supervision account entry data from a fund supervision business system, where the fund supervision business system is used to conduct fund supervision on contracts, and when pre-sale funds are transferred into the fund supervision account corresponding to the contract, the fund supervision business system generates the fund supervision account entry data for this pre-sale fund;

[0107] A data query unit 2, configured to query the channel receipt reconciliation data and bank statement data corresponding to the fund supervision account entry data in the fund supervision business system to obtain a query result;

[0108] An account entry anomaly identification unit 3, configured to identify account entry anomalies of the fund supervision account entry data according to the query result.

[0109] In an embodiment of the present invention, the account entry anomaly identification unit 3 specifically includes:

[0110] A first POS return anomaly information generation module, configured to generate first POS return anomaly information if the query result shows that there is no channel receipt reconciliation data and bank statement data corresponding to the fund supervision account entry data.

[0111] In an embodiment of the present invention, the account entry anomaly identification unit 3 specifically includes:

[0112] A date data acquisition module, configured to acquire the reconciliation date of the channel receipt reconciliation data in the query result and the account entry date of the fund supervision account entry data if the query result shows that there is channel receipt reconciliation data corresponding to the fund supervision account entry data;

[0113] The second POS return exception information generation module is used to generate second POS return exception information if the reconciliation date is different from the posting date.

[0114] In an embodiment of the present invention, the posting exception recognition unit 3 specifically further includes:

[0115] The settlement time determination module is used to determine the settlement time of the channel acquirer reconciliation data in the query result if the reconciliation date is the same as the posting date;

[0116] The settlement time exception information generation module is used to generate settlement time exception information if the settlement time is not within the preset time range.

[0117] In an embodiment of the present invention, the posting exception recognition unit 3 specifically further includes:

[0118] The corresponding bank statement data query module is used to determine whether there is bank statement data corresponding to the channel acquirer reconciliation data in the query result if the reconciliation date is the same as the posting date and the settlement time is within the preset time range;

[0119] The bank statement matching exception information generation module is used to generate bank statement matching exception information if there is no bank statement data corresponding to the channel acquirer reconciliation data in the query result.

[0120] In an embodiment of the present invention, the posting exception recognition unit specifically includes:

[0121] The non-homeowner payment exception information generation module is used to first obtain the name of the homebuyer in the purchase contract data corresponding to the funds supervision posting data if the query result shows that there is bank statement data corresponding to the funds supervision posting data but no channel acquirer reconciliation data corresponding to the funds supervision posting data, and then compare the name of the payment account in the bank statement data in the query result with the name of the homebuyer. If the comparison is inconsistent, non-homeowner payment exception information is generated.

[0122] In an embodiment of the present invention, the pre-sale funds supervision posting exception recognition device of the present invention further includes:

[0123] The remitter information statistics unit is used to summarize the bank statement data corresponding to each funds supervision posting data and count the number of times each remitter information appears in the summarized bank statement data;

[0124] The abnormal remitter information determination unit is used to determine that the remitter information is abnormal remitter information if the number of times the remitter information appears is greater than the preset value.

[0125] To achieve the above object, according to another aspect of the present application, a computer device is further provided. As Figure 8 shown, the computer device includes a memory, a processor, a communication interface, and a communication bus. A computer program that can run on the processor is stored in the memory. When the processor executes the computer program, the steps in the method of the above embodiment are implemented.

[0126] The processor may be a central processing unit (CPU). The processor may also be other general-purpose processors, digital signal processors (DSPs), application-specific integrated circuits (ASICs), field-programmable gate arrays (FPGAs), or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc., or a combination of the above types of chips.

[0127] The memory, as a non-transitory computer-readable storage medium, can be used to store non-transitory software programs, non-transitory computer-executable programs, and units, such as the corresponding program units in the above method embodiments of the present invention. By running the non-transitory software programs, instructions, and modules stored in the memory, the processor can execute various functional applications and work data processing of the processor, that is, implement the method in the above method embodiments.

[0128] The memory may include a program storage area and a data storage area. Among them, the program storage area can store an operating system and application programs required for at least one function; the data storage area can store data created by the processor, etc. In addition, the memory may include high-speed random access memory, and may also include non-transitory memory, such as at least one magnetic disk storage device, a flash memory device, or other non-transitory solid-state storage devices. In some embodiments, the memory may optionally include a memory remotely set relative to the processor, and these remote memories can be connected to the processor through a network. Examples of the above network include but are not limited to the Internet, enterprise intranet, local area network, mobile communication network, and combinations thereof.

[0129] The one or more units are stored in the memory and, when executed by the processor, execute the method in the above embodiment.

[0130] The specific details of the above computer device can be understood by referring to the corresponding relevant descriptions and effects in the above embodiments, and will not be elaborated here.

[0131] To achieve the above object, according to another aspect of the present application, there is also provided a computer-readable storage medium storing a computer program, and when the computer program is executed in a computer processor, the steps in the above pre-sale fund supervision and accounting anomaly recognition method are implemented. Those skilled in the art can understand that all or part of the processes in the above-described embodiment methods can be completed by instructing relevant hardware through a computer program. The program can be stored in a computer-readable storage medium, and when the program is executed, it can include the processes of the embodiments of the above methods. Among them, the storage medium can be a magnetic disk, an optical disk, a read-only memory (ROM), a random access memory (RAM), a flash memory, a hard disk drive (HDD), or a solid-state drive (SSD), etc.; the storage medium can also include a combination of the above types of memories.

[0132] To achieve the above object, according to another aspect of the present application, there is also provided a computer program product including a computer program / instructions, and when the computer program / instructions are executed by a processor, the steps of the above pre-sale fund supervision and accounting anomaly recognition method are implemented.

[0133] Obviously, those skilled in the art should understand that the above-mentioned modules or steps of the present invention can be implemented by a general-purpose computing device. They can be concentrated on a single computing device or distributed on a network composed of multiple computing devices. Optionally, they can be implemented by program codes executable by the computing device, so that they can be stored in a storage device and executed by the computing device, or they can be separately fabricated into individual integrated circuit modules, or multiple of them can be fabricated into a single integrated circuit module to implement. In this way, the present invention is not limited to any specific combination of hardware and software.

[0134] The above are only the preferred embodiments of the present invention and are not used to limit the present invention. For those skilled in the art, the present invention can have various changes and modifications. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present invention shall be included in the protection scope of the present invention.

Claims

1. A method for identifying abnormal entry of pre-sale funds supervision, characterized in that, Including: Obtain the capital supervision incoming data from the capital supervision business system. The capital supervision business system is used to supervise the funds of the contract. After the pre-sale funds are transferred into the capital supervision account corresponding to the contract, the capital supervision business system generates the capital supervision incoming data of this pre-sale fund; Query the channel receipt reconciliation data and bank statement data corresponding to the capital supervision incoming data in the capital supervision business system to obtain the query result. For the bank transfer method, the customer transfers the pre-sale funds into the capital supervision account through bank transfer. The bank generates the bank statement data of this transfer and pushes the bank statement data to the capital supervision business system for verification. For the channel incoming method, the channel party settles all the incoming records within a day with the corresponding capital supervision account at a fixed time every day, generating a unique bank transaction number for the settlement with the capital supervision account. At this time, an income statement will be generated in the bank for the capital supervision account, and the corresponding bank transaction number is the same as that of the settlement. After the receipt channel settlement is completed, the channel receipt reconciliation data is pushed to the capital supervision business system for verification, and the bank will also push the bank statement data of the capital supervision account to the capital supervision business system for verification. For the bank transfer method, only bank statement data and capital supervision incoming data will be generated for the incoming of pre-sale funds. For the channel incoming method, capital supervision incoming data, channel receipt reconciliation data, and bank statement data will be generated for the incoming of pre-sale funds; Identify the incoming anomaly of the capital supervision incoming data according to the query result; The identifying the incoming anomaly of the capital supervision incoming data according to the query result specifically includes: If the query result shows that there is no channel receipt reconciliation data and bank statement data corresponding to the capital supervision incoming data, there is an anomaly that the developer takes advantage of the POS return loophole for false incoming, and generate the first POS return anomaly information; If the query result shows that there is channel receipt reconciliation data corresponding to the capital supervision incoming data, obtain the reconciliation date of the channel receipt reconciliation data in the query result and the incoming date of the capital supervision incoming data; If the reconciliation date is different from the incoming date, there is an anomaly that the developer takes advantage of the POS return loophole to return the funds on the day of swiping the card, and generate the second POS return anomaly information.

2. The pre-sale fund supervision account entry anomaly recognition method according to claim 1, wherein The identifying the incoming anomaly of the capital supervision incoming data according to the reconciliation date and the incoming date specifically further includes: If the reconciliation date is the same as the incoming date, determine the settlement time of the channel receipt reconciliation data in the query result; If the settlement time is not within the preset time range, generate the settlement time anomaly information.

3. The method for identifying abnormal receipt of pre-sale funds supervision according to claim 2, characterized in that, The identifying the incoming anomaly of the capital supervision incoming data according to the reconciliation date and the incoming date specifically further includes: If the reconciliation date is the same as the incoming date and the settlement time is within the preset time range, determine whether there is bank statement data corresponding to the channel receipt reconciliation data in the query result; If there is no bank statement data corresponding to the channel acquisition reconciliation data in the query result, bank statement matching exception information is generated.

4. The pre-sale fund supervision account entry anomaly identification method according to claim 1, wherein The abnormal entry identification of the fund supervision entry data according to the query result specifically includes: If the query result shows that there is bank statement data corresponding to the fund supervision entry data but no channel acquisition reconciliation data corresponding to the fund supervision entry data, first obtain the name of the home buyer in the purchase contract data corresponding to the fund supervision entry data, and then compare the name of the payment account in the bank statement data in the query result with the name of the home buyer. If the comparison is inconsistent, non-home-buyer payment abnormal information is generated.

5. The method for identifying abnormal deposit of pre-sale funds according to claim 1, wherein It also includes: Summarize the bank statement data corresponding to each fund supervision entry data, and count the number of times each remitter information appears in the summarized bank statement data; If the number of times the remitter information appears is greater than the preset value, determine that the remitter information is abnormal remitter information.

6. A device for identifying abnormal receipt of pre-sale funds supervision, characterized in that, It includes: A fund supervision entry data acquisition unit, which is used to obtain fund supervision entry data from the fund supervision business system. Among them, the fund supervision business system is used to supervise the funds of the contract. When the pre-sale funds are transferred into the fund supervision account corresponding to the contract, the fund supervision business system generates the fund supervision entry data of this pre-sale fund; A data query unit, which is used to query the channel acquisition reconciliation data and bank statement data corresponding to the fund supervision entry data in the fund supervision business system to obtain a query result; for the bank transfer method, the customer transfers the pre-sale funds into the fund supervision account through bank transfer, and the bank generates the bank statement data of this transfer and pushes the bank statement data to the fund supervision business system for verification; for the channel entry method, the channel party clears all the entry records within a day with the corresponding fund supervision account at a fixed time every day, generates a unique bank transaction number for the settlement with the fund supervision account. At this time, an income statement will be generated for the fund supervision account in the bank, and the corresponding bank transaction number is the same as that of the settlement. After the acquirer channel settlement is completed, the channel acquisition reconciliation data is pushed to the fund supervision business system for verification, and the bank will also push the bank statement data of the fund supervision account to the fund supervision business system for verification; for the bank transfer method, only bank statement data and fund supervision entry data will be generated for the pre-sale funds entry, while for the channel entry method, fund supervision entry data, channel acquisition reconciliation data and bank statement data will be generated for the pre-sale funds entry; An abnormal entry identification unit, which is used to identify the abnormal entry of the fund supervision entry data according to the query result; The abnormal entry identification unit specifically includes: A first POS return abnormal information generation module, which is used to generate first POS return abnormal information if the query result shows that there is no channel acquisition reconciliation data and bank statement data corresponding to the fund supervision entry data, indicating that there is an abnormality that the developer takes advantage of the POS return loophole for false entry. A date data acquisition module, configured to, if the query result is that there is channel acquirer reconciliation data corresponding to the fund supervision incoming account data, acquire the reconciliation date of the channel acquirer reconciliation data in the query result and the incoming account date of the fund supervision incoming account data; A second POS return exception information generation module, configured to, if the reconciliation date is different from the incoming account date, there is an exception that the developer exploited the POS return vulnerability to return funds on the day of card swiping, and generate second POS return exception information.

7. The pre-sale fund supervision account entry anomaly identification device according to claim 6, wherein The incoming account exception identification unit specifically further includes: A clearing time determination module, configured to, if the reconciliation date is the same as the incoming account date, determine the clearing time of the channel acquirer reconciliation data in the query result; A clearing time exception information generation module, configured to, if the clearing time is not within a preset time range, generate clearing time exception information.

8. The pre-sale funds supervision account entry anomaly recognition device according to claim 7, wherein The incoming account exception identification unit specifically further includes: A corresponding bank statement data query module, configured to, if the reconciliation date is the same as the incoming account date and the clearing time is within the preset time range, determine whether there is bank statement data corresponding to the channel acquirer reconciliation data in the query result; A bank statement matching exception information generation module, configured to, if there is no bank statement data corresponding to the channel acquirer reconciliation data in the query result, generate bank statement matching exception information.

9. The pre-sale fund supervision account entry anomaly recognition device according to claim 6, wherein The incoming account exception identification unit specifically includes: A non-homeowner payment exception information generation module, configured to, if the query result is that there is bank statement data corresponding to the fund supervision incoming account data but there is no channel acquirer reconciliation data corresponding to the fund supervision incoming account data, first acquire the name of the homebuyer in the purchase contract data corresponding to the fund supervision incoming account data, and then compare the payment account name in the bank statement data in the query result with the name of the homebuyer. If the comparison is inconsistent, generate non-homeowner payment exception information.

10. The pre-sale fund supervision account entry anomaly identification device according to claim 6, wherein It further includes: A remitter information statistics unit, configured to summarize the bank statement data corresponding to each fund supervision incoming account data and count the number of times each remitter information appears in the summarized bank statement data; An abnormal remitter information determination unit, configured to, if the number of times the remitter information appears is greater than a preset value, determine that the remitter information is abnormal remitter information.

11. A computer device, comprising a memory, a processor, and a computer program stored on the memory and executable on the processor, characterized in that, When the processor executes the computer program, the steps of the method according to any one of claims 1 to 5 are implemented.

12. A computer-readable storage medium having computer programs / instructions stored thereon, characterized in that, When the computer program / instructions are executed by the processor, the steps of the method according to any one of claims 1 to 5 are implemented.

13. A computer program product, comprising a computer program / instructions, characterized in that, When the computer program / instructions are executed by the processor, the steps of the method according to any one of claims 1 to 5 are implemented.

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