Processing Method, Device, Electronic Device and Storage Medium of Provident Fund Deposit Account

Abstract

The present invention discloses a processing method, device, electronic device, and storage medium for provident fund deposit accounts, which relates to the technical field of financial information services. A specific implementation manner of this method includes: in response to a processing instruction for multiple deposit accounts, obtaining the user identifier in the processing instruction to query multiple provident fund deposit accounts corresponding to the user identifier; calculating the risk probability of each provident fund deposit account to screen target accounts from the multiple provident fund deposit accounts; querying the address information of the opening service end corresponding to the target account to determine whether the address information is consistent with the address information of the current service end; if not, sending the processing instruction to the opening service end; if so, obtaining the account processing information corresponding to the user identifier to determine the account processing events corresponding to each provident fund deposit account, and then triggering the account processing events. This implementation manner can solve the problem of low efficiency in processing provident fund deposit accounts by manually coordinating each provident fund processing center.

Description

Technical Field

[0001] The present invention relates to the technical field of financial information services, and particularly relates to a method, device, electronic device, and storage medium for processing provident fund deposit accounts. Background Art

[0002] Some users pay provident funds in multiple places due to reasons such as job transfers, resulting in a user having multiple provident fund deposit accounts at the same time. Currently, in order to standardize the management of provident fund deposits, it is usually required that each user can only have one provident fund deposit account. Therefore, it is necessary to process the provident fund deposit accounts of users with multiple provident fund deposit accounts. However, in the prior art, it is necessary to manually coordinate each provident fund processing center to achieve the processing of provident fund deposit accounts, resulting in low efficiency. Summary of the Invention

[0003] In view of this, embodiments of the present invention provide a method, device, electronic device, and storage medium for processing provident fund deposit accounts, which can solve the problem of low efficiency in processing provident fund deposit accounts by manually coordinating each provident fund processing center.

[0004] To achieve the above object, according to one aspect of the embodiments of the present invention, a method for processing provident fund deposit accounts is provided.

[0005] A method for processing provident fund deposit accounts according to an embodiment of the present invention includes: in response to a processing instruction for multiple deposit accounts, obtaining a user identifier in the processing instruction to query multiple provident fund deposit accounts corresponding to the user identifier; calling a preset risk calculation model to calculate the risk probability of each provident fund deposit account to screen target accounts from the multiple provident fund deposit accounts; querying address information of an account opening server corresponding to the target account to determine whether the address information is consistent with the address information of the current server; if not, sending the processing instruction to the account opening server; if so, obtaining account processing information corresponding to the user identifier to determine account processing events corresponding to each provident fund deposit account, and then triggering the account processing events to process each provident fund deposit account.

[0006] In one embodiment, determining account processing events corresponding to each provident fund deposit account includes:

[0007] Identifying a processing type identifier corresponding to each provident fund deposit account from the account processing information, and determining account processing events corresponding to each provident fund deposit account based on the processing type identifier.

[0008] In another embodiment, the processing type identifier includes an account retention identifier, and the account processing event includes a whitelist setting event;

[0009] Determine the account processing events corresponding to each of the provident fund contribution accounts based on the processing type identifier, including:

[0010] Determine the account processing events corresponding to each of the provident fund contribution accounts based on the mapping relationship between the preset processing type identifier and the account processing event;

[0011] Judge whether the number of provident fund contribution accounts with the corresponding processing type identifier being the account retention identifier is greater than 1;

[0012] If so, set the whitelist event as the account processing event corresponding to the provident fund contribution account with the corresponding processing type identifier being the account retention identifier, so as to set the provident fund contribution account with the corresponding processing type identifier being the account retention identifier as a whitelist account; if not, do nothing.

[0013] In another embodiment, the account processing event further includes an event of adding a risk identifier;

[0014] After determining the account processing events corresponding to each of the provident fund contribution accounts based on the mapping relationship between the preset processing type identifier and the account processing event, it further includes:

[0015] Determine the event of adding a risk identifier as the account processing event corresponding to the provident fund contribution account with the corresponding processing type identifier being the account retention identifier, so as to add a risk identifier to the provident fund contribution account with the corresponding processing type identifier being the account retention identifier;

[0016] Monitor the current processing status of the provident fund contribution accounts with the corresponding processing type identifier not being the account retention identifier, and delete the risk identifier when the current processing status is completed.

[0017] In another embodiment, the processing of each of the provident fund contribution accounts includes:

[0018] For each of the provident fund contribution accounts, judge whether the address information of the corresponding account opening service end of the provident fund contribution account is consistent with the address information of the current service end; if not, query the address information of the corresponding account opening service end of the provident fund contribution account to send a processing request including the account processing event identifier corresponding to the provident fund contribution account; if so, process each of the provident fund contribution accounts.

[0019] In another embodiment, the method further includes:

[0020] Receive account processing change information, and obtain the changed provident fund contribution account and the changed account processing information in the account processing change information;

[0021] Query the current processing status of the provident fund contribution account with the change. When it is determined that the current processing status is inconsistent with the processing status corresponding to the changed account processing information, determine the corresponding account processing event based on the changed account processing information, so as to trigger the corresponding account processing event and process the provident fund contribution account.

[0022] In another embodiment, the processing of the provident fund contribution account includes:

[0023] For each provident fund contribution account, obtain the supporting document corresponding to the account processing information, identify the supporting document to extract key information;

[0024] Based on the key information, judge whether the supporting document meets the preset conditions; if so, determine that the approval of the provident fund contribution account is passed, and change the processing status of the provident fund contribution account to completed; if not, send a message indicating that the approval is not passed.

[0025] In another embodiment, the calling of the preset risk calculation model to calculate the risk probability of each provident fund contribution account to screen target accounts from the multiple provident fund contribution accounts includes:

[0026] Based on the opening time of the provident fund contribution account, calculate the risk probability of each provident fund contribution account;

[0027] Screen the provident fund contribution account with the highest risk probability from the multiple provident fund contribution accounts to determine it as the target account.

[0028] To achieve the above object, according to another aspect of the embodiments of the present invention, a processing device for provident fund contribution accounts is provided.

[0029] A processing device for provident fund contribution accounts according to an embodiment of the present invention includes: a response unit, configured to respond to a processing instruction for multiple contribution accounts, obtain the user identifier in the processing instruction, and query multiple provident fund contribution accounts corresponding to the user identifier; a screening unit, configured to call a preset risk calculation model to calculate the risk probability of each provident fund contribution account to screen target accounts from the multiple provident fund contribution accounts; a processing unit, configured to query the address information of the opening server corresponding to the target account to determine whether the address information is consistent with the address information of the current server; if not, send the processing instruction to the opening server; if so, obtain the account processing information corresponding to the user identifier to determine the account processing event corresponding to each provident fund contribution account, and then trigger the account processing event to process each provident fund contribution account.

[0030] In one embodiment, the processing unit is specifically configured to:

[0031] From the account processing information, identify the processing type identifier corresponding to each housing provident fund contribution account, and determine the account processing event corresponding to each housing provident fund contribution account based on the processing type identifier.

[0032] In another embodiment, the processing type identifier includes an account retention identifier, and the account processing event includes a whitelist setting event; the processing unit is specifically configured to:

[0033] Determine the account processing event corresponding to each housing provident fund contribution account based on the mapping relationship between the preset processing type identifier and the account processing event;

[0034] Judge whether the number of housing provident fund contribution accounts corresponding to the account retention identifier as the processing type identifier is greater than 1;

[0035] If so, determine the whitelist setting event as the account processing event corresponding to the housing provident fund contribution account corresponding to the account retention identifier as the processing type identifier, so as to set the housing provident fund contribution account corresponding to the account retention identifier as the processing type identifier as a whitelist account; if not, do nothing.

[0036] In another embodiment, the account processing event further includes a risk identification adding event;

[0037] The processing unit is specifically configured to:

[0038] Determine the risk identification adding event as the account processing event corresponding to the housing provident fund contribution account corresponding to the account retention identifier as the processing type identifier, so as to add a risk identification to the housing provident fund contribution account corresponding to the account retention identifier as the processing type identifier;

[0039] Monitor the current processing status of the housing provident fund contribution account whose processing type identifier is not the account retention identifier, and delete the risk identification when the current processing status is completed.

[0040] In another embodiment, the processing unit is specifically configured to:

[0041] For each housing provident fund contribution account, judge whether the address information of the corresponding account opening service end of the housing provident fund contribution account is consistent with the address information of the current service end; if not, query the address information of the corresponding account opening service end of the housing provident fund contribution account to send a processing request including the account processing event identifier corresponding to the housing provident fund contribution account; if so, process each housing provident fund contribution account.

[0042] In another embodiment, the device further includes:

[0043] A receiving unit, configured to receive account processing change information, and obtain the changed provident fund contribution account and the changed account processing information in the account processing change information;

[0044] A changing unit, configured to query the current processing status of the changed provident fund contribution account, and when it is determined that the current processing status is inconsistent with the processing status corresponding to the changed account processing information, determine a corresponding account processing event based on the changed account processing information, so as to trigger the corresponding account processing event and process the provident fund contribution account.

[0045] In another embodiment, the processing unit is specifically configured to:

[0046] For each provident fund contribution account, obtain the supporting document corresponding to the account processing information, identify the supporting document to extract key information;

[0047] Based on the key information, determine whether the supporting document meets the preset conditions; if so, determine that the approval of the provident fund contribution account is passed, and change the processing status of the provident fund contribution account to completed; if not, send a message indicating that the approval is not passed.

[0048] In another embodiment, the screening unit is specifically configured to:

[0049] Based on the opening time of the provident fund contribution account, calculate the risk probability of each provident fund contribution account;

[0050] Screen the provident fund contribution account with the highest risk probability from the multiple provident fund contribution accounts to determine the target account.

[0051] To achieve the above object, according to another aspect of the embodiments of the present invention, an electronic device is provided.

[0052] An electronic device according to an embodiment of the present invention includes: one or more processors; a storage device, configured to store one or more programs, and when the one or more programs are executed by the one or more processors, enable the one or more processors to implement the method for processing a provident fund contribution account provided by the embodiments of the present invention.

[0053] To achieve the above object, according to another aspect of the embodiments of the present invention, a computer-readable medium is provided.

[0054] A computer-readable medium according to an embodiment of the present invention has a computer program stored thereon, and when the program is executed by a processor, the method for processing a provident fund contribution account provided by the embodiments of the present invention is implemented.

[0055] To achieve the above object, according to another aspect of the embodiments of the present invention, there is provided a computer program product.

[0056] A computer program product according to an embodiment of the present invention includes a computer program, and when the computer program is executed by a processor, it implements the method for processing a provident fund deposit account provided by the embodiment of the present invention.

[0057] One embodiment of the above invention has the following advantages or beneficial effects: In the embodiment of the present invention, for multiple provident fund deposit accounts corresponding to a user, target accounts can be screened out through risk probabilities, and based on the account opening service end of the target accounts, a processing center for processing provident fund deposit accounts can be determined. Furthermore, corresponding account processing events can be triggered based on the obtained account processing information, thereby realizing the processing of multiple provident fund deposit accounts. This not only can process multiple provident fund deposit accounts of a user, avoiding the deposit risks brought by multiple provident fund deposit accounts to the user, but also can improve the processing efficiency of multiple provident fund deposit accounts.

[0058] The further effects of the above non-conventional optional methods will be described in conjunction with specific embodiments below. BRIEF DESCRIPTION OF THE DRAWINGS

[0059] The drawings are used to better understand the present invention and do not constitute an improper limitation to the present invention. Among them:

[0060] Figure 1 is a schematic diagram of a main process of a method for processing a provident fund deposit account according to the first embodiment of the present invention;

[0061] Figure 2 is a schematic diagram of a page display mode of account information of multiple provident fund deposit accounts according to the first embodiment of the present invention;

[0062] Figure 3 is a schematic diagram of another page display mode of account information of multiple provident fund deposit accounts according to the first embodiment of the present invention;

[0063] Figure 4 is a schematic diagram of an operation page for forwarding a processing instruction to an account opening service end according to the first embodiment of the present invention;

[0064] Figure 5 is a schematic diagram of an operation page for obtaining account processing information according to the first embodiment of the present invention;

[0065] Figure 6 is according to Figure 5 a schematic diagram of a page display of the result of obtaining account processing information from an operation page;

[0066] Figure 7 is according to Figure 6Schematic diagram of an operation page where account processing information triggers an account processing event;

[0067] Figure 8 It is a schematic diagram of a process for executing an account merging task according to the first embodiment of the present invention;

[0068] Figure 9 It is a schematic diagram of an operation page for setting a whitelist according to the first embodiment of the present invention;

[0069] Figure 10 It is according to Figure 9 A schematic diagram of a page display corresponding to the result of the operation page shown;

[0070] Figure 11 It is a schematic diagram of a page display of account processing change information according to the first embodiment of the present invention;

[0071] Figure 12 It is another schematic diagram of a page display of account processing change information according to the first embodiment of the present invention;

[0072] Figure 13 It is a schematic diagram of a page display of a prompt message when the approval fails in the whitelist setting event according to the first embodiment of the present invention;

[0073] Figure 14 It is a schematic diagram of a page display of historical information on the processing of provident fund deposit accounts according to the first embodiment of the present invention;

[0074] Figure 15 It is a schematic diagram of a main process of a method for processing provident fund deposit accounts according to the second embodiment of the present invention;

[0075] Figure 16 It is a schematic diagram of the main units of a processing device for provident fund deposit accounts according to the third embodiment of the present invention;

[0076] Figure 17 It is an exemplary system architecture diagram to which the embodiments of the present invention can be applied;

[0077] Figure 18 It is a schematic diagram of the structure of a computer system suitable for implementing the embodiments of the present invention. Detailed implementation manners

[0078] The following describes exemplary embodiments of the present invention with reference to the accompanying drawings, including various details of the embodiments of the present invention to facilitate understanding, which should be considered merely exemplary. Therefore, those of ordinary skill in the art should recognize that various changes and modifications can be made to the embodiments described herein without departing from the scope and spirit of the present invention. Similarly, for clarity and conciseness, descriptions of well-known functions and structures are omitted in the following.

[0079] It should be noted that, without conflict, the embodiments in the present invention and the features in the embodiments may be combined with each other.

[0080] An embodiment of the present invention provides a method for processing a provident fund deposit account, which can be executed by a provident fund processor, such as Figure 1 shown, the method includes:

[0081] S101: In response to a processing instruction for multiple deposit accounts, obtain the user identification in the processing instruction to query multiple provident fund deposit accounts corresponding to the user identification.

[0082] Among them, after determining that a user corresponds to multiple provident fund deposit accounts, a processing instruction for multiple deposit accounts can be triggered to process these multiple provident fund deposit accounts. The processing instruction may include a user identification to indicate which user's multiple provident fund deposit accounts. In this step, in response to the processing instruction for multiple deposit accounts, the user identification can be obtained from the processing instruction, and then multiple provident fund deposit accounts corresponding to the user identification can be queried, and the account information of the multiple provident fund deposit accounts can also be queried, such as the corresponding user name, account name, account opening time, deposit unit, deposit time, etc. As Figure 2 shown is a schematic diagram of a display mode of the account information of multiple provident fund deposit accounts corresponding to a user identification, as Figure 3 shown is another schematic diagram of a display mode of the account information of multiple provident fund deposit accounts corresponding to a user identification, where this center represents the provident fund processing center currently responding to the processing instruction.

[0083] S102: Invoke a preset risk calculation model to calculate the risk probability of each provident fund deposit account to screen out a target account from multiple provident fund deposit accounts.

[0084] Among them, each provident fund account has different risks due to factors such as different account opening times, deposit times, and deposit statuses. In the embodiment of the present invention, a risk calculation model can be pre-trained to calculate the risk probability of each provident fund deposit account. Specifically, a neural network model or a machine learning model, etc. can be used. The model training can adopt existing training methods, which will not be elaborated here. After calculating the risk probability of each provident fund deposit account, based on the risk probability, one can be selected from multiple provident fund deposit accounts as the target account. Generally, the account with a higher risk probability needs to be processed. Therefore, in this step, the provident fund deposit account with the highest risk probability can be determined as the target account.

[0085] Specifically, since the later the account opening time, the higher the risk of the provident fund deposit account, in this step, the risk probability of each provident fund deposit account can be calculated based on the account opening time of the provident fund deposit account.

[0086] S103: Query the address information of the account opening server corresponding to the target account to determine whether the address information is consistent with the address information of the current server.

[0087] In the embodiment of the present invention, after determining the target account, it can be determined whether the target account is opened by the current provident fund processing center. If so, the current processing center will process it, that is, the current processing center will be determined as the main processing center; if not, it needs to be processed by the processing center that opened the target account, and at this time, a processing instruction can be sent to the processing center that opened the target account.

[0088] The current server indicates the server that currently processes the provident fund business. In this step, it is determined whether the target account is opened by the current provident fund processing center by determining whether the address information of the target account corresponding to the account opening server is consistent with the address information of the current server. The address information may include one or more, such as the address name, the region to which the address belongs, the provident fund management department to which the address belongs, the address identifier, etc. The address information of the target account corresponding to the account opening server may be pre-stored or queried from the database in real time.

[0089] S104: If not, a processing instruction is sent to the account opening service end.

[0090] S105: If so, the account processing information corresponding to the user identifier is obtained to determine the account processing event corresponding to each provident fund payment account, and then the account processing event is triggered to process each provident fund payment account.

[0091] If no, it means that the target account is not opened by the current provident fund processing center. At this time, based on the queried address information, a processing instruction can be sent to the account opening service end to enable the account opening service end to process the user's multiple provident fund deposit accounts; if yes, it means that the target account is opened by the current provident fund processing center. At this time, each provident fund deposit account can be processed. Figure 4 The figure shows a page operation diagram for forwarding a processing instruction (including a user ID, i.e., customer details) to an account opening service end (XX Management Department).

[0092] Specifically, the processing of each provident fund deposit account needs to be based on the user's opinion, so the account processing information corresponding to the user identifier can be obtained. The account processing information can include the user's processing opinion on each provident fund deposit account, so that the account processing information can be used to determine how to process each provident fund deposit account, and then the corresponding account processing event can be determined, and then the account processing event can be triggered to process each provident fund deposit account.

[0093] The processing of provident fund deposit accounts usually includes several types such as retention, account cancellation, and merger. Different types correspond to different processing procedures. In the embodiments of the present invention, account processing events corresponding to the processing types of each provident fund account can be preset to execute corresponding processing procedures. For example, Figure 5 As shown, it is a schematic diagram of a page operation for obtaining account processing information. Among them, retention and non-retention (account cancellation) are account processing types, and customer intention represents the account processing information corresponding to the user identifier. For example, Figure 6 As shown is based on Figure 5 A schematic diagram of the display of the result of obtaining account processing information through page operations.

[0094] To facilitate the determination of account processing events, a processing type identifier can be set for the processing types of each provident fund deposit account. In this way, from the account processing information, the processing type identifier corresponding to each provident fund deposit account can be identified, and then based on the processing type identifier, the account processing events corresponding to each provident fund deposit account can be determined. Then, by triggering the account processing events corresponding to each provident fund deposit account, each provident fund deposit account can be processed. For example, Figure 7 As shown, it is a schematic diagram of a page operation for triggering an account processing event after obtaining account processing information. Figure 6 A schematic diagram of a page operation for triggering an account processing event after obtaining account processing information.

[0095] Specifically, if the account processing type is retention, the corresponding account processing event is the account retention event to retain the corresponding provident fund deposit account; if the account processing type is account cancellation, the corresponding account processing event is the account cancellation event to cancel the corresponding provident fund deposit account; if the account processing type is merger, the corresponding account processing event is the account merger event to merge the amounts in the corresponding provident fund deposit accounts. For example, Figure 8 As shown, it is a schematic diagram of a process for executing an account merger task after triggering an account merger event.

[0096] It should be noted that for some users, they indeed need two or more provident fund deposit accounts, so two or more provident fund deposit accounts will be retained. In order to prevent the user from being subject to account processing again for having multiple provident fund deposit accounts in the future, the two or more provident fund deposit accounts retained by the user can be set as a whitelist, which means that the two or more provident fund deposit accounts corresponding to the user do not need to be processed again. Therefore, in the embodiment of the present invention, when the account processing event includes setting a whitelist event, determining the account processing event corresponding to each provident fund deposit account can also be performed as follows: based on the mapping relationship between the preset processing type identifier and the account processing event, determine the account processing event corresponding to each provident fund deposit account; determine whether the number of provident fund deposit accounts with the corresponding processing type identifier being the account retention identifier is greater than 1; if so, then set the whitelist event as the account processing event corresponding to the provident fund deposit accounts with the corresponding processing type identifier being the account retention identifier, so as to set the provident fund deposit accounts with the corresponding processing type identifier being the account retention identifier as whitelist accounts; if not, no processing is performed.

[0097] First, based on the mapping relationship between the preset processing type identifier and the account processing event, the account processing event corresponding to each provident fund deposit account can be determined, such as an account retention event, an account cancellation event, an account merger event, etc.; then it can be determined whether the number of provident fund deposit accounts with the corresponding processing type identifier being the account retention identifier is greater than 1; if so, it means that the user has retained multiple provident fund deposit accounts, and the provident fund deposit accounts retained by the user can be set as a whitelist, that is, the whitelist setting event is determined as the account processing event corresponding to the provident fund deposit accounts with the corresponding processing type identifier being the account retention identifier; if not, there is no need to set a whitelist, so no further processing is required for each provident fund deposit account. As Figure 9 shown in the schematic diagram of the page operation for setting the whitelist, as Figure 10 shown as Figure 9 a schematic diagram of the display of the page operation result in

[0098] In the embodiments of the present invention, usually only one provident fund contribution account is allowed to be retained by the user, while other provident fund contribution accounts are not retained. Therefore, after processing multiple provident fund contribution accounts corresponding to the user in the embodiments of the present invention, usually only 1 provident fund contribution account is retained. During the processing of the provident fund contribution accounts, since it is not possible to determine whether the other non-retained provident fund contribution accounts have been processed, the retained provident fund contribution account is at risk. Therefore, in the embodiments of the present invention, a risk identification event can also be preset to add a risk identification to the retained provident fund contribution account and monitor the current processing status of the non-retained provident fund contribution accounts in real time; if the current processing status of the non-retained provident fund contribution accounts is completed, it means that all the non-retained provident fund contribution accounts have undergone corresponding account processing, so the retained provident fund contribution account is no longer at risk, and the added risk identification can be deleted; if the current processing status of the non-retained provident fund contribution accounts is not completed, it means that the non-retained provident fund contribution accounts have not been completed, so the retained provident fund contribution account is still at risk, and the added risk identification can be left unprocessed. Specifically, the above process can be executed as follows: determine the risk identification event as the account processing event corresponding to the provident fund contribution account with the corresponding processing type identifier being the account retention identifier, so as to add a risk identification to the provident fund contribution account with the corresponding processing type identifier being the account retention identifier; monitor the current processing status of the provident fund contribution accounts with the corresponding processing type identifier not being the account retention identifier, and delete the risk identification when the current processing status is completed.

[0099] It should be noted that the processing of provident fund contribution accounts is usually carried out by its account opening location. Therefore, in the embodiments of the present invention, after triggering the corresponding account processing event for each provident fund contribution account, it can be determined whether the address information of the corresponding account opening server of the provident fund contribution account is the same as the address information of the current server, that is, to determine whether the provident fund contribution account was opened by the current processing center. If not, the address information of the corresponding account opening server of the provident fund contribution account can be queried, and then a processing request including the account processing event identifier of the provident fund contribution account can be sent, so that the corresponding account opening server of the provident fund contribution account can determine the corresponding account processing event of the provident fund contribution account based on the account processing event identifier for execution; if so, the triggered account processing event can be directly run to process each provident fund contribution account.

[0100] It should be noted that during the processing of each provident fund account, its processing information can also be changed, that is, the account processing type of the provident fund deposit account is changed. For example, the reserved provident fund deposit account is changed to a closed account. At this time, the specific operation can be as follows: receive the account processing change information, and obtain the changed provident fund deposit account and the changed account processing information in the account processing change information; query the current processing status of the changed provident fund deposit account. When it is determined that the current processing status is inconsistent with the processing status corresponding to the changed account processing information, determine the corresponding account processing event based on the changed account processing information to trigger the corresponding account processing event and process the provident fund deposit account. The account processing change information includes the provident fund deposit account whose account processing type needs to be changed and the changed account processing information. Then, the current processing status of the changed provident fund deposit account can be queried to determine whether the current processing status is inconsistent with the processing status corresponding to the changed account processing information; if they are consistent, there is no need to perform the changed account processing, and the changed provident fund deposit account does not need to be processed; if they are inconsistent, the account processing event corresponding to the changed account processing information can be determined as the account processing event corresponding to the changed provident fund deposit account, and the corresponding account processing event can be triggered to process the provident fund deposit account. As Figure 11 shown in the schematic diagram of a page display of account processing change information; Figure 12 shown in another schematic diagram of a page display of account processing change information.

[0101] In the embodiment of the present invention, when triggering an account processing event to process the provident fund deposit account, usually the user needs to provide various supporting documents. For example, when the account is reserved, a supporting document for normal deposit of the account, a work certificate corresponding to the public or private nature of the account, etc. are required. Therefore, the specific operation for processing the provident fund deposit account can be as follows: for each provident fund deposit account, obtain the supporting document corresponding to the account processing information, identify the supporting document to extract key information; judge whether the supporting document meets the preset conditions based on the key information; if so, determine that the approval of the provident fund deposit account is passed, and change the processing status of the provident fund deposit account to completed; if not, send a message indicating that the approval is not passed.

[0102] The account processing information includes the account processing type of the provident fund contribution account, and then the required supporting documents can be determined for acquisition. After obtaining the supporting documents, technologies such as OCR can be used to identify the supporting documents to extract key information in the supporting documents, such as the contribution time, working time, etc. Then, based on the extracted key information, the processing of the account can be approved, that is, to determine whether the supporting documents meet the preset conditions, and the preset conditions can be set according to different requirements; if the supporting documents meet the preset conditions, the approval process of the provident fund account is passed, and it can be determined that the approval of the provident fund contribution account is passed, and then the processing status of the provident fund contribution account is changed to completed; if the supporting documents do not meet the preset conditions, the approval process of the provident fund account fails, and a disapproval prompt message can be sent to facilitate obtaining the supporting documents again or prompting manual processing. As Figure 13 shown, it is a display schematic diagram of the prompt message when the approval fails in setting the whitelist event.

[0103] It should be noted that in the embodiments of the present invention, during or after the processing of each provident fund contribution account, the historical information can also be queried, such as Figure 14 shown, it is a display schematic diagram of the historical information of the provident fund contribution account processing.

[0104] In the embodiments of the present invention, for multiple provident fund contribution accounts corresponding to a user, the target accounts can be screened out to determine the processing center for processing the provident fund contribution account based on the opening service provider of the target account. Then, the corresponding account processing events can be triggered based on the obtained account processing information, thereby realizing the processing of multiple provident fund contribution accounts and improving the processing efficiency of the provident fund contribution account.

[0105] Next, in combination with Figure 1 the embodiments shown, the method for determining the account processing event in step S104 will be specifically described. As Figure 15 shown, the method includes:

[0106] S1501: Obtain the account processing information corresponding to the user identifier.

[0107] S1502: Identify the processing type identifier corresponding to each provident fund contribution account from the account processing information.

[0108] S1503: Determine the account processing events corresponding to each provident fund contribution account based on the mapping relationship between the preset processing type identifier and the account processing event.

[0109] S1504: Determine whether the number of provident fund contribution accounts with the corresponding processing type identifier being the account retention identifier is greater than 1; if so, execute step S15; if not, do nothing.

[0110] S1505: Set the white list event as the account processing event corresponding to the provident fund deposit account with the corresponding processing type identifier being the account retention identifier.

[0111] S1506: Set the add risk identifier event as the account processing event corresponding to the provident fund deposit account with the corresponding processing type identifier being the account retention identifier.

[0112] It should be noted that the data processing principle in the embodiments of the present invention is the same as Figure 1 the corresponding data processing principle in the illustrated embodiments, and will not be elaborated here.

[0113] In the embodiments of the present invention, for multiple provident fund deposit accounts corresponding to a user, target accounts can be screened out, and based on the account opening service end of the target accounts, the processing center for processing the provident fund deposit accounts can be determined. Furthermore, corresponding account processing events can be triggered based on the obtained account processing information, thereby realizing the processing of multiple provident fund deposit accounts and improving the processing efficiency of provident fund deposit accounts.

[0114] To solve the problems existing in the prior art, an embodiment of the present invention provides a processing device 1600 for provident fund deposit accounts, as Figure 16 shown. The device 1600 includes:

[0115] A response unit 1601, configured to respond to a processing instruction for multiple deposit accounts, obtain the user identifier in the processing instruction, and query multiple provident fund deposit accounts corresponding to the user identifier;

[0116] A screening unit 1602, configured to call a preset risk calculation model, calculate the risk probability of each provident fund deposit account, and screen target accounts from the multiple provident fund deposit accounts;

[0117] A processing unit 1603, configured to query the address information of the account opening service end corresponding to the target account, and determine whether the address information is consistent with the address information of the current service end; if not, send the processing instruction to the account opening service end; if so, obtain the account processing information corresponding to the user identifier, determine the account processing events corresponding to each provident fund deposit account, and then trigger the account processing events to process each provident fund deposit account.

[0118] It should be understood that the implementation manner of the embodiments of the present invention is the same as Figure 1 the implementation manner of the illustrated embodiments, and will not be elaborated here.

[0119] In one implementation manner of the embodiments of the present invention, the processing unit 1603 is specifically configured to:

[0120] From the account processing information, identify the processing type identifier corresponding to each provident fund contribution account, and determine the account processing event corresponding to each provident fund contribution account based on the processing type identifier.

[0121] In another implementation manner of the embodiment of the present invention, the processing type identifier includes an account retention identifier, and the account processing event includes a whitelist setting event;

[0122] The processing unit 1603 is specifically configured to:

[0123] Based on the mapping relationship between the preset processing type identifier and the account processing event, determine the account processing event corresponding to each provident fund contribution account;

[0124] Judge whether the number of provident fund contribution accounts corresponding to the account retention identifier as the processing type identifier is greater than 1;

[0125] If so, set the whitelist setting event as the account processing event corresponding to the provident fund contribution account corresponding to the account retention identifier as the processing type identifier, so as to set the provident fund contribution account corresponding to the account retention identifier as the processing type identifier as a whitelist account; if not, do nothing.

[0126] In another implementation manner of the embodiment of the present invention, the account processing event further includes a risk identification adding event;

[0127] The processing unit 1603 is specifically configured to:

[0128] Determine the risk identification adding event as the account processing event corresponding to the provident fund contribution account corresponding to the account retention identifier as the processing type identifier, so as to add a risk identifier to the provident fund contribution account corresponding to the account retention identifier as the processing type identifier;

[0129] Monitor the current processing status of the provident fund contribution account whose processing type identifier is not the account retention identifier, and delete the risk identifier when the current processing status is completed.

[0130] In another implementation manner of the embodiment of the present invention, the processing unit 1603 is specifically configured to:

[0131] For each provident fund contribution account, judge whether the address information of the corresponding account opening service end of the provident fund contribution account is consistent with the address information of the current service end; if not, query the address information of the corresponding account opening service end of the provident fund contribution account to send a processing request including the account processing event identifier corresponding to the provident fund contribution account; if so, process each provident fund contribution account.

[0132] In another implementation manner of the embodiment of the present invention, the device 1600 further includes:

[0133] A receiving unit, configured to receive account processing change information, and obtain the changed provident fund contribution account and the changed account processing information in the account processing change information;

[0134] A change unit, configured to query the current processing status of the changed provident fund contribution account, and in the case where it is determined that the current processing status is inconsistent with the processing status corresponding to the changed account processing information, determine a corresponding account processing event based on the changed account processing information, so as to trigger the corresponding account processing event and process the provident fund contribution account.

[0135] In another implementation manner of the embodiment of the present invention, the processing unit 1603 is specifically configured to:

[0136] For each provident fund contribution account, obtain the certification document corresponding to the account processing information, identify the certification document, and extract key information;

[0137] Based on the key information, determine whether the certification document meets a preset condition; if so, determine that the approval of the provident fund contribution account is passed, and change the processing status of the provident fund contribution account to completed; if not, send a message indicating that the approval is not passed.

[0138] In another implementation manner of the embodiment of the present invention, the screening unit 1602 is specifically configured to:

[0139] Calculate the risk probability of each provident fund contribution account based on the opening time of the provident fund contribution account;

[0140] Screen the provident fund contribution account with the maximum risk probability from the multiple provident fund contribution accounts to determine it as the target account.

[0141] It should be understood that the implementation manner of implementing the embodiment of the present invention is the same as that of implementing Figure 1 or Figure 15 the embodiment shown, and will not be elaborated here.

[0142] In the embodiment of the present invention, for multiple provident fund contribution accounts corresponding to a user, a target account can be screened out, so as to determine a processing center for processing the provident fund contribution account based on the opening service end of the target account, and further, a corresponding account processing event can be triggered based on the obtained account processing information, thereby realizing the processing of multiple provident fund contribution accounts and improving the processing efficiency of the provident fund contribution account.

[0143] According to the embodiment of the present invention, the embodiment of the present invention further provides an electronic device and a readable storage medium.

[0144] The electronic device according to an embodiment of the present invention includes: at least one processor; and a memory communicatively connected to the at least one processor; wherein, the memory stores instructions executable by the one processor, and the instructions are executed by the at least one processor to enable the at least one processor to execute the method for processing a provident fund payment account provided by the embodiment of the present invention.

[0145] Figure 17 An exemplary system architecture 1700 to which the method for processing a provident fund payment account or the device for processing a provident fund payment account according to an embodiment of the present invention can be applied is shown.

[0146] As Figure 17 shown, the system architecture 1700 may include terminal devices 1701, 1702, 1703, a network 1704, and a server 1705. The network 1704 is used to provide a medium for a communication link between the terminal devices 1701, 1702, 1703 and the server 1705. The network 1704 may include various connection types, such as wired, wireless communication links, or fiber optic cables, etc.

[0147] Users can use the terminal devices 1701, 1702, 1703 to interact with the server 1705 through the network 1704 to receive or send messages, etc. Various client applications may be installed on the terminal devices 1701, 1702, 1703.

[0148] The terminal devices 1701, 1702, 1703 may be, but are not limited to, smart phones, tablet computers, laptop portable computers, desktop computers, etc.

[0149] The server 1705 may be a server that provides various services. The server may analyze and process data such as received processing instructions, and feedback the processing results to the terminal devices.

[0150] It should be noted that the method for processing a provident fund payment account provided by the embodiment of the present invention is generally executed by the server 1705. Correspondingly, the device for processing a provident fund payment account is generally provided in the server 1705.

[0151] It should be understood that Figure 17 the numbers of the terminal devices, the network, and the server in

[0152] are merely illustrative. According to the implementation requirements, there may be any number of terminal devices, networks, and servers. Figure 18 is shown, which shows a schematic structural diagram of a computer system 1800 suitable for implementing an embodiment of the present invention. Figure 18 The shown computer system is merely an example and should not impose any limitation on the functions and usage scope of the embodiment of the present invention.

[0153] As Figure 18 shown, the computer system 1800 includes a central processing unit (CPU) 1801, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 1802 or a program loaded from a storage section 18018 into a random access memory (RAM) 1803. In the RAM 1803, various programs and data required for the operation of the system 1800 are also stored. The CPU 1801, the ROM 1802, and the RAM 1803 are connected to each other via a bus 1804. An input / output (I / O) interface 1805 is also connected to the bus 1804.

[0154] The following components are connected to the I / O interface 1805: an input section 1806 including a keyboard, a mouse, etc.; an output section 1807 including, for example, a cathode ray tube (CRT), a liquid crystal display (LCD), etc. and a speaker, etc.; a storage section 1808 including a hard disk, etc.; and a communication section 1809 including a network interface card such as a LAN card, a modem, etc. The communication section 1809 performs communication processing via a network such as the Internet. A drive 1810 is also connected to the I / O interface 1805 as required. A removable medium 1811, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 1810 as required so that a computer program read from it can be installed into the storage section 1808 as required.

[0155] Specifically, according to the embodiments disclosed in the present invention, the processes described above with reference to the flowchart can be implemented as a computer software program. For example, the embodiments disclosed in the present invention include a computer program product, which includes a computer program carried on a computer-readable medium, and the computer program includes program codes for performing the methods shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from a network through the communication section 1809, and / or installed from the removable medium 1811. When the computer program is executed by a central processing unit (CPU) 1801, the above functions defined in the system of the present invention are executed.

[0156] It should be noted that the computer-readable medium shown in the present invention can be a computer-readable signal medium, a computer-readable storage medium, or any combination of the above two. The computer-readable storage medium can be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the above. More specific examples of the computer-readable storage medium can include, but are not limited to: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In the present invention, the computer-readable storage medium can be any tangible medium that contains or stores a program, and this program can be used by or in combination with an instruction execution system, apparatus, or device. And in the present invention, the computer-readable signal medium can include a data signal propagated in a baseband or as part of a carrier wave, in which the computer-readable program code is carried. Such a propagated data signal can take various forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the above. The computer-readable signal medium can also be any computer-readable medium other than the computer-readable storage medium, and this computer-readable medium can send, propagate, or transmit a program for use by or in combination with an instruction execution system, apparatus, or device. The program code contained on the computer-readable medium can be transmitted by any suitable medium, including but not limited to: wireless, wire, optical cable, RF, etc., or any suitable combination of the above.

[0157] The flowcharts and block diagrams in the accompanying drawings illustrate the possible architectures, functions, and operations of systems, methods, and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagram can represent a unit, a program segment, or a part of code, and the above unit, program segment, or part of code contains one or more executable instructions for implementing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the blocks may occur in a different order than marked in the accompanying drawings. For example, two consecutive blocks shown may actually be executed substantially in parallel, and they may sometimes be executed in the reverse order, depending on the functions involved. It should also be noted that each block in the block diagram or flowchart, and the combination of blocks in the block diagram or flowchart, can be implemented by a dedicated hardware-based system for performing the specified functions or operations, or can be implemented by a combination of dedicated hardware and computer instructions.

[0158] The units involved in the embodiments of the present invention can be implemented in software or in hardware. The described units can also be provided in a processor. For example, it can be described as: a processor includes a response unit, a screening unit, and a processing unit. Among them, the names of these units do not constitute a limitation on the unit itself in some cases. For example, the response unit can also be described as "a unit for processing instruction responses".

[0159] As another aspect, the present invention also provides a computer-readable medium, which can be included in the device described in the above embodiments; or it can exist alone without being assembled into the device. The above computer-readable medium carries one or more programs. When the above one or more programs are executed by the device, the device is caused to execute the method for processing the provident fund contribution account provided by the present invention.

[0160] The above specific embodiments do not constitute a limitation on the protection scope of the present invention. Those skilled in the art should understand that various modifications, combinations, sub-combinations, and substitutions can occur depending on design requirements and other factors. Any modifications, equivalent substitutions, and improvements made within the spirit and principle of the present invention should be included within the protection scope of the present invention.

Claims

1. A method for processing a provident fund deposit account, characterized in that, Including: In response to a processing instruction for multiple deposit accounts, obtain the user identification in the processing instruction to query multiple provident fund deposit accounts corresponding to the user identification; Call a preset risk calculation model to calculate the risk probability of each provident fund deposit account, so as to screen target accounts from the multiple provident fund deposit accounts; Query the address information of the opening server corresponding to the target account to determine whether the address information is consistent with the address information of the current server; If not, send the processing instruction to the opening server; If so, obtain the account processing information corresponding to the user identification to determine the account processing events corresponding to each provident fund deposit account, including: identifying the processing type identifier corresponding to each provident fund deposit account from the account processing information, and determining the account processing events corresponding to each provident fund deposit account based on the processing type identifier; and then trigger the account processing events to process each provident fund deposit account.

2. The method according to claim 1, wherein The processing type identifier includes an account retention identifier, and the account processing event includes a whitelist setting event; Determining the account processing events corresponding to each provident fund deposit account based on the processing type identifier includes: Determining the account processing events corresponding to each provident fund deposit account based on the mapping relationship between the preset processing type identifier and the account processing event; Judging whether the number of provident fund deposit accounts corresponding to the account retention identifier as the processing type identifier is greater than 1; If so, set the whitelist setting event as the account processing event corresponding to the provident fund deposit account corresponding to the account retention identifier as the processing type identifier, so as to set the provident fund deposit account corresponding to the account retention identifier as the processing type identifier as a whitelist account; if not, do nothing.

3. The method according to claim 2, wherein The account processing event further includes an added risk identifier event; After determining the account processing events corresponding to each provident fund deposit account based on the mapping relationship between the preset processing type identifier and the account processing event, it further includes: Setting the added risk identifier event as the account processing event corresponding to the provident fund deposit account corresponding to the account retention identifier as the processing type identifier, so as to add a risk identifier to the provident fund deposit account corresponding to the account retention identifier as the processing type identifier; Monitor the current processing status of the provident fund deposit account corresponding to the processing type identifier that is not the account retention identifier, and delete the risk identifier when the current processing status is completed.

4. The method according to claim 1, wherein The method further includes: Receiving account processing change information, and obtaining the changed provident fund deposit account and the changed account processing information in the account processing change information; Query the current processing status of the changed provident fund deposit account, and when it is determined that the current processing status is inconsistent with the processing status corresponding to the changed account processing information, determine the corresponding account processing event based on the changed account processing information, so as to trigger the corresponding account processing event to process the provident fund deposit account.

5. The method according to claim 1, characterized in that The processing of the provident fund deposit account includes: For each of the provident fund contribution accounts, obtain the supporting documents corresponding to the account processing information, and identify the supporting documents to extract key information; Based on the key information, determine whether the supporting documents meet the preset conditions; if so, determine that the approval of the provident fund contribution account is passed, and change the processing status of the provident fund contribution account to completed; if not, send a message indicating that the approval is not passed.

6. The method according to claim 1, characterized in that, The calling of the preset risk calculation model to calculate the risk probability of each of the provident fund contribution accounts to screen target accounts from the multiple provident fund contribution accounts includes: Based on the opening time of the provident fund contribution account, calculate the risk probability of each of the provident fund contribution accounts; Screen the provident fund contribution account with the highest risk probability from the multiple provident fund contribution accounts to determine it as the target account.

7. A processing device for a provident fund deposit account, characterized in that, Includes: A response unit, configured to respond to a processing instruction for multiple contribution accounts, obtain the user identifier in the processing instruction, and query the multiple provident fund contribution accounts corresponding to the user identifier; A screening unit, configured to call the preset risk calculation model to calculate the risk probability of each of the provident fund contribution accounts to screen target accounts from the multiple provident fund contribution accounts; A processing unit, configured to query the address information of the opening server corresponding to the target account to determine whether the address information is consistent with the address information of the current server; if not, send the processing instruction to the opening server; If so, obtain the account processing information corresponding to the user identifier to determine the account processing events corresponding to each of the provident fund contribution accounts, including: from the account processing information, identify the processing type identifier corresponding to each of the provident fund contribution accounts, and determine the account processing events corresponding to each of the provident fund contribution accounts based on the processing type identifier; and then trigger the account processing events to process each of the provident fund contribution accounts.

8. The device according to claim 7, characterized in that The processing type identifier includes an account retention identifier, and the account processing event includes a whitelist setting event; The processing unit is specifically configured to: Based on the mapping relationship between the preset processing type identifier and the account processing event, determine the account processing events corresponding to each of the provident fund contribution accounts; Judge whether the number of provident fund contribution accounts with the corresponding processing type identifier being the account retention identifier is greater than 1; If so, determine the whitelist setting event as the account processing event corresponding to the provident fund contribution accounts with the corresponding processing type identifier being the account retention identifier, so as to set the provident fund contribution accounts with the corresponding processing type identifier being the account retention identifier as whitelist accounts; if not, do not perform any processing.

9. The device according to claim 8, characterized in that The account processing event further includes an adding risk identifier event; The processing unit is specifically configured to: Determine the adding risk identifier event as the account processing event corresponding to the provident fund contribution account with the corresponding processing type identifier being the account retention identifier, so as to add a risk identifier to the provident fund contribution account with the corresponding processing type identifier being the account retention identifier; Monitor the current processing status of the provident fund contribution accounts with the corresponding processing type identifier not being the account retention identifier, and delete the risk identifier when the current processing status is completed.

10. The device according to claim 7, characterized in that, The device further includes: a receiving unit, configured to receive account processing change information and obtain the changed provident fund contribution account and the changed account processing information in the account processing change information; a changing unit, configured to query the current processing status of the changed provident fund contribution account, and in the case where it is determined that the current processing status is inconsistent with the processing status corresponding to the changed account processing information, determine a corresponding account processing event based on the changed account processing information, so as to trigger the corresponding account processing event and process the provident fund contribution account.

11. The device according to claim 7, characterized in that, The processing unit is specifically configured to: for each of the provident fund contribution accounts, obtain a supporting document corresponding to the account processing information, identify the supporting document to extract key information; judge whether the supporting document meets a preset condition based on the key information; if so, determine that the approval of the provident fund contribution account is passed, and change the processing status of the provident fund contribution account to completed; if not, send a message indicating that the approval is not passed.

12. The device according to claim 7, characterized in that, The screening unit is specifically configured to: calculate the risk probability of each of the provident fund contribution accounts based on the opening time of the provident fund contribution accounts; screen the provident fund contribution account with the highest risk probability from the multiple provident fund contribution accounts to determine it as the target account.

13. An electronic device, characterized in that, including: one or more processors; a storage device, configured to store one or more programs, when the one or more programs are executed by the one or more processors, enabling the one or more processors to implement the method according to any one of claims 1-6.

14. A computer-readable medium having a computer program stored thereon, characterized in that, When the program is executed by the processor, it implements the method according to any one of claims 1-6.

15. A computer program product, comprising a computer program, characterized in that, When the computer program is executed by the processor, it implements the method according to any one of claims 1-6.

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