Account information determination method, device and server

Abstract

The present invention discloses an account information determination method, device and server, the account information determination method comprising: obtaining a first account set having transactions with a target bank card in the transaction system, the target bank card being a bank card that has not signed a contract with the transaction system; obtaining a second account set having transactions with accounts in the first account set; and determining target account information corresponding to the target bank card in the transaction system based on the first account set and the second account set.

Description

Technical Field

[0001] The present invention relates to the field of data processing, and in particular to a method, device and server for determining account information. Background Art

[0002] Transferring money from the trading system to a bank card is one of the important businesses in the risk control system. When transferring money to a bank card, a risk assessment of the bank card is required to confirm the risk level of the transfer. Currently, risk assessment of bank cards depends on bank card information. When there is less bank card information, the transfer may be unsecured, leading to risks such as account theft, fraud, gambling, and money laundering. Summary of the invention

[0003] The embodiments of this specification provide a method, device and server for determining account information.

[0004] In a first aspect, an embodiment of the present specification provides a method for determining account information, which is applied to a transaction system, comprising:

[0005] Acquire, in the transaction system, a first account set that has had transactions with a target bank card, wherein the target bank card is a bank card that has not signed a contract with the transaction system;

[0006] Obtaining a second account set that has had transactions with accounts in the first account set;

[0007] According to the first account set and the second account set, target account information corresponding to the target bank card in the transaction system is determined.

[0008] In a second aspect, an embodiment of the present specification provides a method for determining account information, which is applied to a transaction system, comprising:

[0009] Acquire, in the transaction system, a first account set that has had transactions with a target bank card, wherein the target bank card is a bank card that has not signed a contract with the transaction system;

[0010] According to the first account set, target account information corresponding to the target bank card in the transaction system is determined. In a third aspect, an embodiment of the present specification provides an account information determination device, which is applied to a transaction system, and includes:

[0011] A first account set determination module, configured to obtain, in the transaction system, a first account set that has had transactions with a target bank card, wherein the target bank card is a bank card that has not signed a contract with the transaction system;

[0012] A second account combination determination module is used to obtain a second account set that has had transactions with accounts in the first account set;

[0013] The account information determination module is used to determine the target account information corresponding to the target bank card in the transaction system according to the first account set and the second account set.

[0014] In a fourth aspect, an embodiment of the present specification provides an account information determination device, which is applied to a transaction system, including:

[0015] An account set determination module, used to obtain, in the transaction system, a first account set that has had transactions with a target bank card, wherein the target bank card is a bank card that has not signed a contract with the transaction system;

[0016] An account information determination module is used to determine the target account information corresponding to the target bank card in the transaction system according to the first account set. In a fifth aspect, an embodiment of this specification provides a server, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor executes the steps of any of the above methods.

[0017] In a sixth aspect, an embodiment of the present specification provides a computer-readable storage medium having a computer program stored thereon, which implements the steps of any of the above-mentioned methods when executed by a processor.

[0018] The beneficial effects of the embodiments of this specification are as follows:

[0019] In the account information determination method provided in the embodiment of this specification, a first account set that has had transactions with the target bank card is obtained in the transaction system, a second account set that has had transactions with the accounts in the first account set is determined, and the target account information corresponding to the target bank card in the transaction system is determined based on the first account set and the second account set. In the above method, the target bank card is a bank card that has not signed a contract in the transaction system, and the bank card information that can be obtained is limited. When conducting transactions with the target bank card, there is a high risk. In the embodiment of this specification, the target account corresponding to the target bank card in the transaction system is determined through the first account set that has direct transactions with the target bank card and the second account set that has direct transactions with the first account set, and the target account information of the target account is used as the information of the target bank card, which enriches the information of the target bank card and thereby reduces the risk of transactions with the target bank card. BRIEF DESCRIPTION OF THE DRAWINGS

[0020] Various other advantages and benefits will become apparent to those of ordinary skill in the art by reading the detailed description of the preferred embodiments below. The accompanying drawings are only for the purpose of illustrating the preferred embodiments and are not to be considered as limiting the present invention. Moreover, the same reference symbols are used throughout the accompanying drawings to represent the same components. In the accompanying drawings:

[0021] Figure 1 This is a schematic diagram of the transaction system of the embodiment of this specification;

[0022] Figure 2 A flowchart of a method for determining account information provided in the first aspect of an embodiment of this specification;

[0023] Figure 3 This is a schematic diagram of a target bank card, accounts in a first account set, and accounts in a second account set shown in an embodiment of this specification;

[0024] Figure 4 A flowchart of community detection provided in the embodiments of this specification;

[0025] Figure 5 A schematic diagram of an account information determination device provided in the second aspect of an embodiment of this specification;

[0026] Figure 6 A schematic diagram of an account information determination server provided in the third aspect of the embodiments of this specification. DETAILED DESCRIPTION

[0027] In order to better understand the above technical scheme, the technical scheme of the embodiments of this specification is described in detail below through the accompanying drawings and specific embodiments. It should be understood that the embodiments of this specification and the specific features in the embodiments are detailed descriptions of the technical scheme of the embodiments of this specification, rather than limitations on the technical scheme of this specification. In the absence of conflict, the embodiments of this specification and the technical features in the embodiments can be combined with each other.

[0028] The account information determination method in the embodiments of this specification can be applied to a transaction system, which can be a payment system, a transaction risk control system or other systems. Figure 1 , is a schematic diagram of a transaction system of an embodiment of this specification, and the transaction system may include multiple terminals and servers. The terminal is located on the user side and communicates with the server on the network side. The terminal may be a mobile phone, a computer or other device, which provides a transaction interface for the user, and the user may log in to the account to perform transaction operations. The server may include a memory and a processor, the memory is used to store information of multiple accounts and contracted bank cards, and the processor is used to process account information, contracted bank card information, transaction data, etc.

[0029] It should be understood that each account in the transaction system can be bound to one or more bank cards, which are bank cards that are contracted to the transaction system. For accounts in the transaction system and contracted bank cards, various information of the corresponding users can be obtained, for example, the name, ID number, mobile phone number and other information of the user corresponding to the account, and the card number, name, ID number, mobile phone number and other information of the user corresponding to the contracted bank card.

[0030] In the first aspect, the embodiment of this specification provides an account information determination method, which is applied to a transaction system, please refer to Figure 2 , the method comprises the following steps:

[0031] Step S201: acquiring, in the transaction system, a first account set that has had transactions with a target bank card, wherein the target bank card is a bank card that has not signed a contract with the transaction system;

[0032] It should be understood that the target bank card is a bank card that has not been signed into the transaction system, and only partial information of the target bank card can be obtained. In one embodiment, when a transaction occurs with the target bank card, such as a transfer service, the card number of the target bank card and the name of the target bank card holder can be obtained.

[0033] In the embodiment of this specification, there are multiple accounts in the transaction system. According to the transaction record of each account, it can be determined whether the account has had transactions with the target bank card, such as transfer, payment, etc. The first account set can be a set of accounts that have had transactions with the target bank card.

[0034] In the transaction system, each account can be bound to one or more bank cards, and the bound bank cards can be bank cards that have signed contracts with the transaction system. In the embodiment of this specification, the contracted bank cards that have had transactions with the target bank card can be determined based on the transaction records of the contracted bank cards, and the corresponding accounts can be determined based on the contracted bank cards to further determine the first account set.

[0035] Step S202: obtaining a second account set that has had transactions with accounts in the first account set;

[0036] After the first account set is determined, the account that has had a transaction with any account in the first account set can be determined based on the transaction records of each account and / or contracted bank card in the transaction to obtain the second account set.

[0037] like Figure 3 , which is a schematic diagram of a target bank card, each account in the first account set, and each account in the second account set shown in the embodiment of this specification. Figure 3 In the example, account A, account B, and account C have all had transactions with the target bank card; account D, account E, and contracted bank card a have all had transactions with account C. In addition, account D has also had transactions with account E and contracted bank card a. Figure 3 In the example, the first account set includes account A, account B and account C, and the second account set includes account D, account E and the account corresponding to the contracted bank card a.

[0038] It should be understood that in order to reflect the transaction behavior of the target bank card in the recent period, in the embodiment of this specification, the accounts in the first account set and the second account set can be screened. For example, the accounts that have had transactions with the target bank card in the first preset time period are determined as accounts in the first account set, and the accounts that have had transactions with the accounts in the first account set in the second preset time period are determined as accounts in the second account set. The first preset time period and the second preset time period may be the same or different, and can be set according to actual needs. In one embodiment, the first preset time period and the second preset time period are both within one month before the current time.

[0039] Step S203: Determine target account information corresponding to the target bank card in the transaction system according to the first account set and the second account set.

[0040] It should be understood that, based on the first account set and the second account set, the account information of each account in the set can be obtained, for example, the account name, the region where the account is located, the account ID number and other information can be obtained. In one embodiment, the bank card information of the target bank card can be obtained, and the bank card information can include the name and region information. The bank card information is matched with the account information of each account. If there is an account in the account information that is the same as the bank card information, the account information of the account is determined to be the target account information.

[0041] In the embodiment of the present invention, since various information of an account can be obtained through an account in the transaction system and a contracted bank card, a non-contracted bank card can be associated with an account in the transaction system, that is, the account number of the holder of the non-contracted bank card in the transaction system can be determined, and the information of the account number can be obtained as the target account information. In this way, when a transaction is conducted with respect to the target bank card, various information of the target bank card can be obtained, thereby reducing transaction risks.

[0042] Optionally, determining the target account information corresponding to the target bank card in the transaction system based on the first account set and the second account set includes: clustering each account in the first account set, each account in the second account set, and the target bank card according to association parameters between any two of each account in the first account set, each account in the second account set, and the target bank card to obtain a clustering result; and determining the target account information corresponding to the target bank card based on the clustering result.

[0043] In the embodiments of this specification, the clustering algorithm may be a K-MEANS algorithm, a K-MEDOIDS algorithm, a CLARANS algorithm, etc. In addition, in addition to the clustering algorithm, other data mining methods may also be used, such as a classification algorithm (KNN algorithm, decision tree, naive Bayes algorithm, etc.), or other algorithms. The association parameter may also be set according to actual needs, for example, the association parameter may be the number of transfers, the closeness of association, etc.

[0044] In one embodiment, since there are direct or indirect connections between the accounts in the first account set, the accounts in the second account set, and the target bank card, the accounts and the target bank card can be clustered according to the closeness of the connection between any two to obtain a clustering result. The clustering result includes multiple clusters. In order to determine the target account information, the cluster where the target bank card is located is determined from the multiple clusters, and the cluster is used as the target cluster of the target bank card. According to the account information included in the target cluster, the target account information corresponding to the target bank card is determined.

[0045] Optionally, the association parameters include: static association parameters and / or dynamic association parameters, wherein the static association parameters are parameters used to indicate whether there is a friend relationship between accounts or between an account and a bank card, and the dynamic association parameters are parameters used to indicate whether there is a transaction behavior between accounts or between an account and a bank card.

[0046] In the embodiment of the present invention, association parameters can be defined into two categories. The first category is static association parameters, for example, whether accounts or accounts and bank cards are friends with each other in the transaction system, whether accounts are saved in each other's address books, or whether accounts or accounts and bank cards have used the same terminal to log in. The second category is dynamic association parameters, that is, parameters of dynamic operation behaviors such as capital inflow and outflow between accounts or accounts and bank cards. Both static association parameters and dynamic association parameters can contain multiple parameters.

[0047] Optionally, clustering each account in the first account set, each account in the second account set and the target bank card to obtain a clustering result includes: performing community detection on each account in the first account set, each account in the second account set and the target bank card to obtain a community detection result; determining the target account information corresponding to the target bank card based on the clustering result includes: determining the target account information based on the community detection result.

[0048] Community detection, also known as community group detection, refers to identifying closely connected parts in the network, and these parts are called communities. In the embodiment of this specification, community detection is performed on each account in the first account set, each account in the second account set, and the target bank card, and the community detection result includes N communities, where N is a positive integer. The community where the target bank card is located is determined in the N communities, and the target account information is determined based on the account information in the community.

[0049] Optionally, the community detection is performed on each account in the first account set, each account in the second account set, and the target bank card to obtain a community detection result. Please refer to Figure 4 , which is a flowchart of community detection provided in an embodiment of this specification, includes the following steps:

[0050] Step S401: constructing a target network, wherein each node in the target network corresponds one-to-one to each account in the first account set, each account in the second account set, and the target bank card;

[0051] Step S402: determining an association weight between each two nodes in the target network according to the association parameter between each two nodes;

[0052] Step S403: Obtain the community detection result according to the association weight, the preset community detection algorithm, and the number of iterations corresponding to the preset community detection algorithm.

[0053] In the embodiment of this specification, when performing community detection, a target network is first established, and each account in the first account set, each account in the second account set, and the target bank card constitute a node in the target network. Figure 3 For example, the nodes in the target network include: account A, account B, account C, account D, account E, target bank card, and contracted bank card a.

[0054] Secondly, the association weight between every two nodes is determined based on the association parameters between every two nodes. In one embodiment, when determining the association weight, the static association parameters and the dynamic association parameters can be processed separately. For example, the static association parameters can be considered as an association achieved when the user relationship is relatively strong, so the weights of these static association parameters can be reset to 1. For dynamic association parameters, the association weights can be mapped to between 0 and 1 through a normalization function, so that the additivity of the weights corresponding to the dynamic association parameters can be guaranteed, and the weights corresponding to the dynamic association parameters are less than the weights corresponding to the static association parameters. Afterwards, the static association weights and the dynamic association weights are added to obtain the association weight between the two nodes.

[0055] For example, the associated parameters between account A and account B include: parameter x to indicate whether they are friends, parameter y to indicate whether they are in each other's address book, and parameter z to indicate the number of transfers between them. Then, the weights of the two nodes corresponding to account A and account B can be expressed by the following formula:

[0056] x·1+y·1+f(z)

[0057] In this formula, if the two are friends, x is 1, if the two are not friends, x is 0, if the two are in each other's address book, y is 1, if the two are in each other's address book, y is 0, and the f(z) function is used to normalize the weights corresponding to the dynamic association parameters. The normalization function can be selected according to actual needs, such as the z-score normalization function, the logistics function, etc. In one embodiment, the logistics function f is used, and the expression is as follows:

[0058]

[0059] In this formula, x is the independent variable, a and b are the parameters that can be specified, and the selection of a and b can be determined by grid search. It should be understood that when x tends to infinity, f tends to 1, and when x tends to 0, f tends to a fixed value greater than 0.

[0060] After determining the association weights between the nodes, community detection is performed according to a preset community detection algorithm and the number of iterations corresponding to the preset community detection algorithm. The preset community detection algorithm can be set according to actual needs, such as the Infomap algorithm, the LinkCommunities algorithm, the modified Louvain algorithm, etc., which is not limited in the embodiment of the present invention.

[0061] In one embodiment, the preset community detection algorithm is a modified Louvain algorithm. When the modified Louvain algorithm is used for community detection, the steps are as follows:

[0062] Step 1: Treat each node in the target network as an independent community, and the number of communities is the same as the number of nodes;

[0063] Step 2: For each node, try to assign the node to the community where each neighbor node is located in turn, calculate the modularity change ΔQ before and after the assignment, and record the neighbor node with the largest ΔQ. If the maximum value of ΔQ is greater than zero, assign the node to the community where the neighbor node with the largest ΔQ is located, otherwise it remains unchanged. The neighbor nodes can be two nodes with a direct connection relationship, such as two nodes that have had a transaction.

[0064] Step 3: Repeat step 2 until the communities to which all nodes belong no longer change;

[0065] Step 4: Compress the nodes in the same community into a new node, convert the edge weights between nodes in the community into the ring weights of the new node, and convert the edge weights between communities into edge weights between new nodes;

[0066] Step 5: Repeat steps 1 to 4 until a certain number of iterations is met to obtain the community detection result.

[0067] Optionally, before determining the target account information according to the community detection result, the method also includes: obtaining bank card information of the target bank card, the amount of information contained in the bank card information is less than the amount of information contained in the target account information; determining the target account information according to the community detection result includes: determining the target community where the target bank card is located in the community detection result; obtaining account information of accounts contained in the target community; and determining in the account information that the account information matches the bank card information as the target account information.

[0068] In the embodiments of this specification, when a transaction is conducted with a target bank card, the bank card information of the target bank card can be obtained, such as the cardholder's name and regional information. This information is usually less and it is impossible to conduct transaction risk assessment through this information. In order to determine the account information corresponding to the target bank card in the transaction system, the target community where the target bank card is located can be determined based on the community detection result, and the account or contracted bank card contained in the target community can be obtained. The account information corresponding to the account or contracted bank card is obtained accordingly, wherein the account information at least includes bank card information, for example, the account information includes name, regional information, account registration information, historical income and expenditure records, etc. Based on the account information of the account contained in the same community, the name and regional information are matched with the target bank card. If the match is successful, the account corresponding to the name and regional information is determined to be the account of the target bank card in the transaction system, and the account information is the target account information of the target bank card.

[0069] Optionally, the account information determination method provided in the embodiments of the present specification also includes: obtaining a set of contracted bank cards, each bank card in the set of contracted bank cards being contracted with the transaction system; verifying the accuracy of the community detection result based on the set of contracted bank cards, a set of associated account information obtained by performing community detection on the set of contracted bank cards, and a set of actual account information corresponding to the set of contracted bank cards to determine the number of iterations of the community detection.

[0070] In order to verify the accuracy of the determined account information, in the embodiment of this specification, the contracted bank card set can be a sample of some contracted bank cards, and these sampled contracted bank cards are used as target bank cards and mining objects to verify the accuracy of the community detection results. That is, in each iteration of the community detection, by establishing a target network, the community detection result is obtained according to the preset community detection algorithm, and the account information associated with the contracted bank card is determined according to the community detection result. The associated account information is compared with the actual account information of the contracted bank card. If they are the same, the community detection result is judged to be correct.

[0071] In addition, in the embodiments of the present specification, when using the contracted bank card set to verify the accuracy of the associated account information, the accuracy of the associated account information in the contracted bank card set can be calculated after each iteration based on the community detection results of each bank card in the contracted bank card set after this iteration, and a curve of the number of iterations and the verification accuracy can be drawn. The appropriate number of iterations can be selected through the curve as the number of iterations corresponding to the preset community detection algorithm in the embodiments of the present invention.

[0072] In the embodiments of this specification, the accuracy of the community detection results can also be improved by adjusting the association weights. Still taking the above-mentioned logistics function f as an example, the weights corresponding to the dynamic association parameters are determined by function f. In the implementation process, grid search can be used to determine multiple sets of parameters a and b, and the accuracy of the target account information identified by the sampled contracted bank card set through community detection under each set of parameters is calculated, and the parameters a and b corresponding to the highest accuracy are used as the final a and b.

[0073] In a second aspect, an embodiment of the present specification provides a method for determining account information, which is applied to a transaction system, comprising:

[0074] Acquire, in the transaction system, a first account set that has had transactions with a target bank card, wherein the target bank card is a bank card that has not signed a contract with the transaction system;

[0075] According to the first account set, target account information corresponding to the target bank card in the transaction system is determined.

[0076] In an optional implementation, determining, according to the first account set, target account information corresponding to the target bank card in the transaction system includes:

[0077] performing clustering processing on each account in the first account set and the target bank card according to association parameters between any two of each account in the first account set and the target bank card to obtain a clustering result;

[0078] According to the clustering result, target account information corresponding to the target bank card is determined.

[0079] In an optional implementation, determining the target account information corresponding to the target bank card according to the clustering result includes:

[0080] Determining the target cluster where the target bank card is located in the clustering result;

[0081] According to the account information included in the target cluster, target account information corresponding to the target bank card is determined.

[0082] It should be understood that, since there is an account that transfers funds to its own unsigned bank card, the target account information corresponding to the target bank card can be determined through the first account set. Therefore, in order to improve the efficiency of associating account information, the first account set can be used alone to determine the target account information of the target bank card. Regarding the account information determination method provided in the second aspect of the embodiment of this specification, its specific implementation method is basically the same as the implementation method of the account information determination method provided in the first aspect, and the specific details have been described in detail in the previous text, and will not be elaborated here.

[0083] In the third aspect, based on the same inventive concept, the embodiment of this specification provides an account information determination device, which is applied to a transaction system, please refer to Figure 5 , the device comprises:

[0084] A first account set determination module 51 is used to obtain a first account set in the transaction system that has had transactions with a target bank card, where the target bank card is a bank card that has not signed a contract with the transaction system;

[0085] A second account combination determination module 52, used to determine a second account set that has had transactions with the accounts in the first account set;

[0086] The account information determination module 53 is used to determine the target account information corresponding to the target bank card in the transaction system according to the first account set and the second account set.

[0087] In an optional implementation, the account information determination module 53 includes:

[0088] A first processing module 531 is used to perform clustering processing on each account in the first account set, each account in the second account set, and the target bank card according to association parameters between each account in the first account set, each account in the second account set, and the target bank card to obtain a clustering result;

[0089] The second processing module 532 is used to determine the target account information corresponding to the target bank card according to the clustering result.

[0090] In an optional implementation, the clustering result includes multiple clusters, and the second processing module 532 includes:

[0091] A target cluster determination module, used to determine the cluster where the target bank card is located among the multiple clusters, and use the cluster as the target cluster of the target bank card;

[0092] The third processing module is used to determine the target account information corresponding to the target bank card according to the account information included in the target cluster.

[0093] In an optional implementation, the association parameters include: static association parameters and / or dynamic association parameters, wherein the static association parameters are parameters used to indicate whether a friend relationship exists between accounts or between an account and a bank card, and the dynamic association parameters are parameters used to indicate whether a transaction behavior exists between accounts or between an account and a bank card.

[0094] In an optional implementation, the first processing module 531 includes:

[0095] The fourth processing module 5311 is used to perform community detection on each account in the first account set, each account in the second account set and the target bank card to obtain a community detection result;

[0096] The second processing module 532 includes: a fifth processing module 5321, which is used to determine the target account information according to the community detection result.

[0097] In an optional implementation, the third processing module 5311 includes:

[0098] A network construction module, used for constructing a target network, wherein each node in the target network corresponds one-to-one with each account in the first account set, each account in the second account set, and the target bank card;

[0099] A weight determination module, used to determine the association weight between each two nodes in the target network according to the association parameter between each two nodes;

[0100] The sixth processing module is used to obtain the community detection result according to the association weight, a preset community detection algorithm, and the number of iterations corresponding to the preset community detection algorithm.

[0101] In an optional implementation, the device further includes:

[0102] A first acquisition module is used to acquire bank card information of the target bank card, wherein the amount of information contained in the bank card information is less than the amount of information contained in the target account information;

[0103] The fourth processing module 5321 includes:

[0104] A first determination module, configured to determine the target community where the target bank card is located in the community detection result;

[0105] A second acquisition module, used to acquire account information of accounts included in the target community;

[0106] The second determination module is used to determine the account information matching the bank card information in the account information as the target account information.

[0107] In an optional implementation, the device further includes:

[0108] A third acquisition module is used to acquire a contracted bank card set, each bank card in the contracted bank card set is contracted with the transaction system;

[0109] The third determination module is used to determine the number of iterations of community detection according to the contracted bank card set, the associated account information set obtained by performing community detection on the contracted bank card set, and the actual account information set corresponding to the contracted bank card set.

[0110] Regarding the above-mentioned device, the specific methods of each module therein have been described in detail in the embodiment of the account information determination method provided in this specification, and will not be elaborated here.

[0111] In a fourth aspect, based on the same inventive concept, an embodiment of this specification provides an account information determination device, which is applied to a transaction system, and the device includes:

[0112] An account set determination module, used to obtain, in the transaction system, a first account set that has had transactions with a target bank card, wherein the target bank card is a bank card that has not signed a contract with the transaction system;

[0113] An account information determination module is used to determine target account information corresponding to the target bank card in the transaction system according to the first account set.

[0114] Regarding the above-mentioned device, the specific methods of each module therein have been described in detail in the embodiment of the account information determination method provided in this specification, and will not be elaborated here.

[0115] In a fifth aspect, based on the same inventive concept as the abnormal transaction identification method in the aforementioned embodiment, the present invention further provides a server, such as Figure 6 As shown, it includes a memory 604, a processor 602, and a computer program stored in the memory 604 and executable on the processor 602. When the processor 602 executes the program, the steps of any of the methods for determining the account information described above are implemented.

[0116] Among them, Figure 6 In the embodiment of the present invention, a bus architecture (represented by bus 600) is shown, which may include any number of interconnected buses and bridges, and bus 600 links various circuits including one or more processors represented by processor 602 and memory represented by memory 604. Bus 600 may also link various other circuits such as peripherals, voltage regulators, and power management circuits, which are well known in the art and are therefore not further described herein. Bus interface 606 provides an interface between bus 600 and receiver 601 and transmitter 603. Receiver 601 and transmitter 603 may be the same element, namely a transceiver, providing a unit for communicating with various other devices over a transmission medium. Processor 602 is responsible for managing bus 600 and general processing, while memory 604 may be used to store data used by processor 602 when performing operations.

[0117] In the sixth aspect, based on the inventive concept of the method for determining account information in the aforementioned embodiment, the present invention also provides a computer-readable storage medium having a computer program stored thereon, which, when executed by a processor, implements the steps of any of the methods for determining account information described above.

[0118] This specification is described with reference to the flowcharts and / or block diagrams of the methods, devices (systems), and computer program products according to the embodiments of this specification. It should be understood that each process and / or box in the flowchart and / or block diagram, as well as the combination of the processes and / or boxes in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that has the functions specified in one or more boxes.

[0119] These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing device to work in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture including an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1A function specified in one or more boxes.

[0120] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0121] Although the preferred embodiments of the present invention have been described, those skilled in the art may make other changes and modifications to these embodiments once they have learned the basic creative concept. Therefore, the appended claims are intended to be interpreted as including the preferred embodiments and all changes and modifications that fall within the scope of the present invention.

[0122] Obviously, those skilled in the art can make various changes and modifications to the present invention without departing from the spirit and scope of the present invention. Thus, if these modifications and variations of the present invention fall within the scope of the claims of the present invention and their equivalents, the present invention is also intended to include these modifications and variations.

Claims

1. A method for determining account information, applied to a transaction system, the method comprising: Acquire, in the transaction system, a first account set that has had transactions with a target bank card, wherein the target bank card is a bank card that has not signed a contract with the transaction system; Determining, according to the first account set, target account information corresponding to the target bank card in the transaction system, comprising: performing clustering processing on each account in the first account set and the target bank card according to association parameters between any two of the accounts in the first account set and the target bank card to obtain a clustering result; determining, according to the clustering result, the target account information corresponding to the target bank card; the association parameters include static association parameters and / or dynamic association parameters, the static association parameters are parameters used to indicate whether there is a friend relationship between accounts or between an account and a bank card, and the dynamic association parameters are parameters used to indicate whether there is a transaction behavior between accounts or between an account and a bank card; When a transaction is conducted with respect to the target bank card, a variety of information of the target bank card is obtained, and a transaction risk assessment is performed based on the various information, wherein the various information includes the target account information.

2. The account information determination method according to claim 1, wherein the clustering result comprises a plurality of clusters. The step of determining target account information corresponding to the target bank card according to the clustering result includes: Determine the cluster where the target bank card is located among the multiple clusters, and use the cluster as the target cluster of the target bank card; According to the account information included in the target cluster, target account information corresponding to the target bank card is determined.

3. An account information determination device, applied to a transaction system, comprising: An account set determination module, used to obtain, in the transaction system, a first account set that has had transactions with a target bank card, wherein the target bank card is a bank card that has not signed a contract with the transaction system; an account information determination module, for determining, according to the first account set, target account information corresponding to the target bank card in the transaction system, comprising: performing clustering processing on each account in the first account set and the target bank card according to association parameters between any two of the accounts in the first account set and the target bank card to obtain a clustering result; determining, according to the clustering result, the target account information corresponding to the target bank card; the association parameters include: static association parameters and / or dynamic association parameters, wherein the static association parameters are parameters for indicating whether there is a friend relationship between accounts or between an account and a bank card, and the dynamic association parameters are parameters for indicating whether there is a transaction behavior between accounts or between an account and a bank card; When a transaction is conducted with respect to the target bank card, a variety of information of the target bank card is obtained, and a transaction risk assessment is performed based on the various information, wherein the various information includes the target account information.

4. The account information determination device as described in claim 3, wherein the account information determination module is used for the clustering result to include multiple clustering clusters, determine the clustering cluster where the target bank card is located among the multiple clustering clusters, and use it as the target cluster of the target bank card; and determine the target account information corresponding to the target bank card based on the account information contained in the target cluster.

5. A server, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the steps of the method according to any one of claims 1 to 2 when executing the program.

6. A computer-readable storage medium having a computer program stored thereon, wherein when the program is executed by a processor, the steps of the method according to any one of claims 1 to 2 are implemented.

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