Method, device, computer equipment and storage medium for obtaining regulatory information

Abstract

The present application discloses a method, device, computer equipment and storage medium for retrieving regulatory information, including: the regulatory system sends a first model to the industrial and commercial system when a first predetermined condition is met; when the regulatory system receives the first associated data information, the regulatory system sends a second model and the first associated data information to the banking system; the regulatory system receives the second associated data information sent by the banking system; when the second associated data information meets the second predetermined condition, the regulatory system sends an early warning message to the enterprise corresponding to the second associated data information. In this way, the regulatory system does not need to spend a lot of manpower and time to collect and analyze data from different systems, but can directly retrieve the analysis result data of each system through different models, and finally directly obtain the analysis results, saving time and manpower costs, and improving the efficiency of regulatory investigations.

Description

Technical Field

[0001] Embodiments of the present invention relate to the field of regulatory information, and in particular to a regulatory information retrieval method, apparatus, computer equipment, and storage medium. Background Art

[0002] At present, in order to avoid illegal and irregular activities in the securities field, prevention is mainly carried out through the supervision of the financial data of relevant companies by relevant regulatory agencies.

[0003] Regulators can investigate illegal and irregular behaviors by analyzing the data disclosed by relevant companies. In related technologies, the amount of data involved in the investigation process is huge, so the investigation process requires a certain amount of time and manpower.

[0004] However, more violations of laws and regulations are investigated after they have occurred. At this time, a post-investigation requires the collection of data, analysis of the data, and ultimate identification of the responsible party. Obviously, since this process takes a certain amount of time and manpower, it will lead to delayed conclusions and low investigation efficiency. Summary of the invention

[0005] The embodiments of the present invention provide a method, an apparatus, a computer device and a storage medium capable of automatically retrieving regulatory information.

[0006] In order to solve the above technical problems, a technical solution adopted by an embodiment created by the present invention is: providing a method for retrieving regulatory information, comprising: when a first predetermined condition is met, the regulatory system sends a first model to the industrial and commercial system, and the first model is used to trigger the industrial and commercial system to retrieve first related data information; when the regulatory system receives the first related data information, the regulatory system sends a second model and the first related data information to a bank system, and the second model is used to trigger the bank system to retrieve second related data information, and the second related data information corresponds to the first related data information; the regulatory system receives the second related data information sent by the bank system; when the second related data information meets the second predetermined condition, the regulatory system sends early warning information to the enterprise corresponding to the second related data information.

[0007] Optionally, before the regulatory system sends the first model to the industrial and commercial system when the first predetermined condition is met, the regulatory information retrieval method provided in the embodiment of the present application may include: the regulatory system retrieves the first information, the first information is the public information of the target enterprise, and the public information includes: financial statement information, external disclosure information; the regulatory system analyzes the first information and extracts the second information from the first information, and the second information is information used to query the affiliated enterprises of the target enterprise.

[0008] Optionally, when the first predetermined condition is met, the supervision system sends the first model to the industrial and commercial system. The method for retrieving supervision information provided in the embodiment of the present application may include: when the first predetermined condition is met, the supervision system sends the first model and the second information to the industrial and commercial system; the first model is used to trigger the industrial and commercial system to retrieve the first related data information according to the second information.

[0009] Optionally, the method for retrieving regulatory information provided in the embodiment of the present application also includes: the above-mentioned industrial and commercial system receives the above-mentioned first model sent by the above-mentioned regulatory system; the above-mentioned industrial and commercial system runs the above-mentioned first model based on the above-mentioned second information, and the above-mentioned first model is used to collect data information in the above-mentioned industrial and commercial system; the above-mentioned industrial and commercial system queries the above-mentioned first related data information, and the above-mentioned first related data information is the information of the related enterprises in the above-mentioned industrial and commercial system corresponding to the above-mentioned second information; the above-mentioned industrial and commercial system sends the above-mentioned first related data information to the above-mentioned regulatory system.

[0010] Optionally, the method for retrieving regulatory information provided in the embodiment of the present application also includes: the above-mentioned bank system receives the above-mentioned second model and the above-mentioned first related data information sent by the above-mentioned regulatory system; the above-mentioned bank system runs the above-mentioned second model according to the above-mentioned first related data information, and the above-mentioned second model is used to collect bank account information corresponding to the above-mentioned first related data information in the above-mentioned bank system; the above-mentioned bank system outputs the above-mentioned second related data information according to the above-mentioned bank account information; the above-mentioned bank system sends the above-mentioned second related data information to the above-mentioned regulatory system.

[0011] Optionally, the banking system runs the second model according to the first associated data information, and the method for retrieving regulatory information provided in the embodiment of the present application may further include: the banking system queries the bank account information corresponding to the first associated data information according to the first associated data information.

[0012] Optionally, in the above-mentioned second related data information output according to the above-mentioned bank information, the method for retrieving regulatory information provided in the embodiment of the present application may also include: the above-mentioned bank system obtains the first account information associated with the above-mentioned bank account information according to the above-mentioned bank account information; the above-mentioned bank system determines that the above-mentioned first account information is the target account information when the above-mentioned first account information satisfies a third predetermined condition; the above-mentioned bank system queries the above-mentioned second related data information corresponding to the above-mentioned target account information; and the above-mentioned bank system outputs the above-mentioned second related data information.

[0013] To solve the above technical problems, an embodiment of the present invention further provides a regulatory information retrieval device, comprising: a sending module, used to send a first model to an industrial and commercial system when a first predetermined condition is met, and the first model is used to trigger the industrial and commercial system to retrieve first associated data information; the sending module is also used to send a second model and the first associated data information to a bank system when receiving the first associated data information sent by the sending module, and the second model is used to trigger the bank system to retrieve second associated data information, and the second associated data information corresponds to the first associated data information; a receiving module is used to receive the second associated data information sent by the bank system; the sending module is also used to send early warning information to the enterprise corresponding to the second associated data information when the second associated data information meets the second predetermined condition.

[0014] Optionally, a retrieval module is used to retrieve first information, where the first information is public information of the target enterprise, and the public information includes: financial statement information and external disclosure information; an analysis module is used to analyze the first information retrieved by the retrieval module and extract second information from the first information, where the second information is information used to query affiliated enterprises of the target enterprise.

[0015] Optionally, the sending module is specifically used to send the first model and the second information to the industrial and commercial system when the first predetermined condition is met; the first model is used to trigger the industrial and commercial system to retrieve the first related data information according to the second information.

[0016] Optionally, the above-mentioned receiving module is used to receive the above-mentioned first model sent by the above-mentioned supervision system; the execution module is used to run the above-mentioned first model according to the above-mentioned second information, and the above-mentioned first model is used to collect data information in the above-mentioned industrial and commercial system; the query module is used to query the above-mentioned first related data information, and the above-mentioned first related data information is the information of the related enterprises in the above-mentioned industrial and commercial system corresponding to the above-mentioned second information; the above-mentioned sending module is used to send the above-mentioned first related data information to the above-mentioned supervision system.

[0017] Optionally, the above-mentioned receiving module is used to receive the above-mentioned second model and the above-mentioned first related data information sent by the above-mentioned regulatory system; the execution module is used to run the above-mentioned second model according to the above-mentioned first related data information, and the above-mentioned second model is used to collect bank account information corresponding to the above-mentioned first related data information in the above-mentioned banking system; the output module is used to output the above-mentioned second related data information according to the above-mentioned bank account information; the above-mentioned sending module is used to send the above-mentioned second related data information to the above-mentioned regulatory system.

[0018] Optionally, the query module is used to query bank account information corresponding to the first associated data information based on the first associated data information.

[0019] Optionally, an acquisition module is used to acquire first account information associated with the above-mentioned bank account information based on the above-mentioned bank account information; a determination module is used to determine that the above-mentioned first account information is target account information when the above-mentioned first account information acquired by the above-mentioned acquisition module meets a third predetermined condition; a query module is used to query the above-mentioned second associated data information corresponding to the above-mentioned target account information determined by the above-mentioned determination module; and an output module is used to output the above-mentioned second associated data information queried by the above-mentioned query module.

[0020] In order to solve the above technical problems, an embodiment of the present invention also provides a computer device, including a memory and a processor, wherein the memory stores computer-readable instructions, and when the computer-readable instructions are executed by the processor, the processor executes the steps of the above-mentioned method for retrieving regulatory information.

[0021] In order to solve the above technical problems, an embodiment of the present invention further provides a storage medium storing computer-readable instructions. When the computer-readable instructions are executed by one or more processors, the one or more processors execute the steps of the above-mentioned method for retrieving regulatory information.

[0022] The beneficial effect of the embodiment of the present invention is that: when the first predetermined condition is met, the supervision system sends a first model for triggering the industrial and commercial system to retrieve the first associated data information to the industrial and commercial system. When the supervision system receives the first associated data information, the supervision system will continue to send a second model for triggering the bank system to retrieve the second associated data information to the bank system. The second associated data information corresponds to the first associated data information. Then, the supervision system will receive the second associated data information sent by the bank system, and when the second associated data information meets the second predetermined condition, the supervision system will send an early warning message to the enterprise corresponding to the second associated data information. In this way, the supervision system does not need to spend a lot of manpower and time to collect and analyze data from different systems. It can directly retrieve the analysis result data of each system through different models, and finally directly obtain the analysis results, saving time and manpower costs, and improving the efficiency of supervision investigation. BRIEF DESCRIPTION OF THE DRAWINGS

[0023] The above and / or additional aspects and advantages of the present application will become apparent and easily understood from the following description of the embodiments in conjunction with the accompanying drawings, in which:

[0024] Figure 1 A schematic diagram of a basic flow chart of a method for retrieving supervision information according to a specific embodiment of the present invention;

[0025] Figure 2 A schematic diagram of the basic structure of a device for retrieving supervision information according to an embodiment of the present invention;

[0026] Figure 3 The basic structural block diagram of a computer device according to an embodiment of the present invention. DETAILED DESCRIPTION

[0027] The embodiments of the present application are described in detail below, and examples of the embodiments are shown in the accompanying drawings, wherein the same or similar reference numerals throughout represent the same or similar elements or elements having the same or similar functions. The embodiments described below with reference to the accompanying drawings are exemplary and are only used to explain the present application, and cannot be interpreted as limiting the present application.

[0028] Those skilled in the art will appreciate that, unless otherwise stated, the singular forms "a", "an", "said" and "the" used herein may also include plural forms. It should be further understood that the term "comprising" used in the specification of the present application refers to the presence of the features, integers, steps, operations, elements and / or components, but does not exclude the presence or addition of one or more other features, integers, steps, operations, elements, components and / or groups thereof.

[0029] It will be understood by those skilled in the art that, unless otherwise defined, all terms (including technical and scientific terms) used herein have the same meaning as those generally understood by those skilled in the art to which this application belongs. It should also be understood that terms such as those defined in general dictionaries should be understood to have meanings consistent with those in the context of the prior art, and will not be interpreted with idealized or overly formal meanings unless specifically defined as here.

[0030] It will be understood by those skilled in the art that the term "terminal" as used herein includes both devices with wireless signal receivers, which are devices with only wireless signal receivers without transmission capabilities, and devices with receiving and transmitting hardware, which are devices with receiving and transmitting hardware capable of performing two-way communications over a two-way communication link. Such devices may include: cellular or other communication devices, which have a single-line display or a multi-line display or a cellular or other communication device without a multi-line display; PCS (Personal Communications Service), which may combine voice, data processing, fax and / or data communication capabilities; PDA (Personal Digital Assistant), which may include a radio frequency receiver, a pager, Internet / intranet access, a web browser, a notepad, a calendar and / or a GPS (Global Positioning System) receiver; conventional laptop and / or palmtop computers or other devices, which have and / or include a conventional laptop and / or palmtop computer or other device with and / or including a radio frequency receiver. The "terminal" used here can be portable, transportable, installed in a vehicle (air, sea and / or land), or suitable for and / or configured to run locally, and / or in a distributed form, running at any other location on the earth and / or in space. The "terminal" used here can also be a communication terminal, an Internet terminal, a music / video playing terminal, for example, a PDA, a MID (Mobile Internet Device) and / or a mobile phone with a music / video playing function, or a smart TV, a set-top box and other devices.

[0031] See also Figure 1 , Figure 1 The basic flow chart of the method for retrieving regulatory information provided in this embodiment includes steps 201 to 204:

[0032] Step 201: When a first predetermined condition is met, the supervision system sends a first model to the industrial and commercial system.

[0033] In an embodiment of the present invention, the first model is used to trigger the industrial and commercial system to retrieve the first associated data information.

[0034] In the embodiment of the present invention, the first predetermined condition may be preset by the supervision system or may be customized by the user, which is not limited in the embodiment of the present invention.

[0035] In the embodiment of the present invention, the first predetermined condition is used to trigger the supervision system to send the first model to the industrial and commercial system.

[0036] In one example, the first predetermined condition may be that the time reaches a predetermined period. For example, the regulatory system presets in advance that a spot check of enterprise information disclosure is conducted at 15:00 every day. When 15:00 is reached, the first model is sent to the industrial and commercial system for spot check.

[0037] In one example, the first predetermined condition may be a condition that the enterprise discloses abnormal information, for example, the information disclosed by the enterprise does not comply with the provisions of laws and regulations. In this case, the first model is sent to the industrial and commercial system to retrieve the first related data information of the enterprise.

[0038] In an example, the first predetermined condition may be a triggering action in which the user triggers the supervision system to send the first model to the industrial and commercial system. For example, the supervision system receives the user's touch input, and in response to the touch input, sends the first model to the industrial and commercial system.

[0039] It can be understood that when the first model is sent as mentioned above, the data retrieved by the first model can be the data of randomly selected enterprises, for example, the first predetermined condition is: when the time reaches the predetermined period, the data of the enterprise is randomly selected, or the data of the enterprise can be retrieved in a targeted manner, for example, the first predetermined condition is: the enterprise discloses abnormal information or the user triggers the regulatory system to send a trigger action of the first model to the industrial and commercial system, then the enterprise data is retrieved in a targeted manner for the enterprise that discloses abnormal information or the enterprise selected by the user.

[0040] Furthermore, the first model includes a list of target enterprises, and the first associated data information retrieved in the final draft is the enterprises that have an associated relationship with the target enterprises in the list of target enterprises. For example, if the list of target enterprises included in the first model includes enterprise A and enterprise B, then the enterprises that have an associated relationship with enterprise A and enterprise B will be retrieved.

[0041] In the embodiment of the present invention, the above-mentioned industrial and commercial system is a system other than the supervision system. The industrial and commercial system is mainly used to display the relationship between different enterprises, and the relationship between shareholders, senior executives, close relatives and other enterprises in an enterprise.

[0042] In the embodiment of the present invention, the first model is a model preset in the supervision system in advance. The model is composed of program codes, and its function is to retrieve the first associated data information.

[0043] In an example, the first model may be a model that retrieves and collects data in an industrial and commercial system, analyzes the retrieved and collected data, and then obtains the first associated data information.

[0044] In another example, the first model may be a model that triggers the industrial and commercial system to spontaneously retrieve and collect data, and triggers the industrial and commercial system to start a data analysis function to analyze and obtain the first related data information.

[0045] In the embodiment of the present invention, the first associated data information is: enterprises that are associated with the target enterprise and are queried by the first model.

[0046] For example, the above-mentioned affiliated companies refer to: companies that are affiliated with the target company itself, and / or companies that are affiliated with the shareholders, senior executives, and close relatives of the target company.

[0047] Step 202: When the regulatory system receives the first associated data information, the regulatory system sends the second model and the first associated data information to the banking system.

[0048] In an embodiment of the present invention, the second model is used to trigger the bank system to retrieve second associated data information, and the second associated data information corresponds to the first associated data information.

[0049] In the embodiment of the present invention, the first associated data information is information sent by the industrial and commercial system to the supervision system.

[0050] It should be noted that the operation of the above-mentioned second model needs to be supported based on the first related data information.

[0051] In the embodiment of the present invention, the above-mentioned bank system is a system other than the regulatory system. The bank system is mainly used to display the transaction relationship between different enterprises, and the transaction relationship between shareholders, senior executives, close relatives of an enterprise and other enterprises.

[0052] In the embodiment of the present invention, the second model is a model preset in the supervision system in advance. The model is composed of program codes, and its function is to retrieve the second associated data information.

[0053] In an example, the second model may be: based on the first associated data information, the data is retrieved and collected in the banking system, and the retrieved and collected data is analyzed to obtain a model of the second associated data information.

[0054] In another example, the second model may be: triggering the bank system to spontaneously retrieve and collect data according to the first associated data information, and triggering the bank system to start a data analysis function to analyze and obtain a model of the second associated data information.

[0055] Step 203: The supervision system receives the second associated data information sent by the banking system.

[0056] Step 204: When the second associated data information satisfies the second predetermined condition, the supervision system sends warning information to the enterprise corresponding to the second associated data information.

[0057] In the embodiment of the present invention, the second predetermined condition may be preset by the supervision system or may be user-defined, which is not limited in the embodiment of the present invention.

[0058] In an embodiment of the present invention, the second predetermined condition is used to trigger the supervision system to send warning information to the enterprise corresponding to the second associated data information.

[0059] In the embodiment of the present invention, the second predetermined condition may be that the second associated data information exceeds a predetermined threshold, that is, the enterprise corresponding to the second associated data information does not comply with relevant laws and regulations.

[0060] Exemplarily, the regulatory system may preset a compliance threshold range for the second related data information. When the second related data information is within the predetermined range, it is considered that the enterprise corresponding to the second related data information complies with relevant laws and regulations, and there is no need to send early warning information. When the second related data information is within the predetermined range, the enterprise corresponding to the second related data information does not comply with relevant laws and regulations, and further early warning information needs to be sent.

[0061] Exemplarily, the warning information is used to warn the enterprise corresponding to the second related data information that the relevant regulatory agency will conduct further investigation on it.

[0062] In the method for retrieving regulatory information provided in the embodiment of the present application, the regulatory system sends a first model for triggering the industrial and commercial system to retrieve the first associated data information to the industrial and commercial system when the first predetermined condition is met. When the regulatory system receives the first associated data information, the regulatory system will continue to send a second model for triggering the bank system to retrieve the second associated data information to the bank system, and the second associated data information corresponds to the first associated data information. Then, the regulatory system will receive the second associated data information sent by the bank system, and when the second associated data information meets the second predetermined condition, the regulatory system will send an early warning message to the enterprise corresponding to the second associated data information. In this way, the regulatory system does not need to spend a lot of manpower and time to collect and analyze data from different systems. It can directly retrieve the analysis result data of each system through different models, and finally directly obtain the analysis results, saving time and labor costs, and improving the efficiency of regulatory investigations.

[0063] Optionally, in the embodiment of the present application, before the above step 201, the method for retrieving supervision information provided by the embodiment of the present application further includes the following steps A1 and A2:

[0064] Step A1: The supervision system retrieves first information.

[0065] Exemplarily, the first information is public information of the target enterprise, and the public information includes: financial statement information and external disclosure information.

[0066] Step A2: The supervision system analyzes the first information and extracts the second information from the first information.

[0067] Exemplarily, the second information is information used to query the associated companies of the target company.

[0068] Exemplarily, the monitoring system may continuously retrieve the first information.

[0069] It is understandable that:

[0070] First, the target enterprise may be an enterprise with abnormal public information or an enterprise with normal public information. As described above, the first predetermined condition for the supervision system to send the first model may be periodic sending or sending in abnormal situations.

[0071] Second, the first information mentioned above includes a large amount of information, among which the information that the supervision system needs to retrieve is only the second information used to query the affiliated companies of the target company. For example, the list of actual controlling companies, the list of shareholders, the list of senior executives, and the list of close relatives of shareholders and senior executives in the first information.

[0072] In this way, after retrieving the first information and analyzing and obtaining the second information, the supervision system can subsequently use the second information and the first model to trigger other systems to retrieve relevant data, thereby automatically completing the data supervision process, saving time and labor costs, and improving the efficiency of supervision investigations.

[0073] Optionally, in the embodiment of the present application, in the above step 201, the method for retrieving supervision information provided by the embodiment of the present application further includes the following step B:

[0074] Step B: When the first predetermined condition is met, the supervision system sends the first model and the second information to the industrial and commercial system.

[0075] Exemplarily, the first model is used to trigger the industrial and commercial system to retrieve the first associated data information according to the second information.

[0076] Exemplarily, the first predetermined condition, the first model and the second information may refer to the aforementioned description and will not be repeated here.

[0077] Optionally, in the embodiment of the present application, the method for retrieving supervision information provided in the embodiment of the present application further includes the following steps C1 to C4:

[0078] Step C1: The industrial and commercial system receives the first model sent by the supervision system.

[0079] Step C2: The industrial and commercial system runs the first model according to the second information.

[0080] Step C3: the industrial and commercial system queries the first associated data information.

[0081] Step C4: The industrial and commercial system sends the first associated data information to the supervision system.

[0082] Exemplarily, the first model is used to collect data information in the industrial and commercial system.

[0083] Exemplarily, the first associated data information is information of associated enterprises corresponding to the second information in the industrial and commercial system.

[0084] In one example, after the industrial and commercial system runs the above-mentioned first model, the first model can automatically retrieve and collect data in the industrial and commercial system according to the second information, and analyze the retrieved and collected data to obtain the first related data information.

[0085] In another example, after the industrial and commercial system runs the above-mentioned first model, the industrial and commercial system can retrieve and collect data by itself according to the second information, and analyze the retrieved and collected data to obtain the first related data information.

[0086] In another example, after the industrial and commercial system runs the above-mentioned first model, it triggers the banking system to spontaneously retrieve and collect data according to the first related data information, and triggers the banking system to start the data analysis function to analyze and obtain the first related data information.

[0087] Example 1: In the industrial and commercial system, after receiving the first model sent by the regulatory system and the corporate executives and shareholders corresponding to Enterprise A (i.e., the second information), the first model can query the names of the companies controlled by the executives and shareholders based on the second information and the data map in the industrial and commercial system, and finally generate a list of associated companies (i.e., the above-mentioned first associated data information) for the names of the companies controlled by the executives and shareholders, and finally send the above-mentioned list of associated companies to the regulatory system.

[0088] In this way, the industrial and commercial system can obtain the first related data information by automatically running the first model, thereby eliminating the need for the regulatory system to spend a lot of manpower and time on query and screening, thereby improving the efficiency of the regulatory system in performing regulatory tasks.

[0089] Optionally, in the embodiment of the present application, the method for retrieving supervision information provided in the embodiment of the present application further includes the following steps D1 to D4:

[0090] Step D1: The banking system receives the second model and the first associated data information sent by the regulatory system.

[0091] Step D2: The banking system runs the second model according to the first associated data information.

[0092] Exemplarily, the second model is used to collect bank account information corresponding to the first associated data information in the bank system.

[0093] Step D3: The bank system outputs the second associated data information based on the bank account information.

[0094] Step D4: The banking system sends the second associated data information to the regulatory system.

[0095] Exemplarily, the above-mentioned bank system, the first associated data information and the second associated data information can refer to the above description, which will not be repeated here.

[0096] In one example, after running the second model, the banking system can retrieve and collect data in the banking system based on the first related data information, and analyze the retrieved and collected data to obtain the second related data information.

[0097] In another example, after the bank system runs the second model, the second model can trigger the bank system to spontaneously retrieve and collect data based on the first related data information, and trigger the bank system to start the data analysis function to analyze and obtain the second related data information.

[0098] Exemplarily, the first associated data information is: enterprises that are associated with the target enterprise and are queried by the first model.

[0099] Furthermore, the bank account information collected by the second model is the bank account information of enterprises that have an associated relationship with the target enterprise.

[0100] In one example, the bank account information includes: bank account number, transaction records of related transactions, etc.

[0101] It should be noted that the above-mentioned banking system may be a UnionPay system or a bank-side system.

[0102] In this way, the banking system can obtain the second related data information based on the first related data information and the second model, and send the related data information to the regulatory system, so that the regulatory system can further analyze the second related data information and issue early warning information in a timely manner, thereby eliminating the need for the regulatory system to spend a lot of manpower and time on query and screening, thereby improving the efficiency of the regulatory system in performing regulatory tasks.

[0103] Optionally, in the embodiment of the present application, in the above step D2, the method for retrieving supervision information provided by the embodiment of the present application further includes the following step E:

[0104] Step E: The bank system queries the bank account information corresponding to the first associated data information according to the first associated data information.

[0105] Exemplarily, the bank system may query relevant bank account information within the system according to the first associated data information, thereby facilitating the acquisition of subsequent second associated data information.

[0106] Optionally, in the embodiment of the present application, in the above step D3, the method for retrieving supervision information provided by the embodiment of the present application further includes the following steps F1 to F4:

[0107] Step F1: The bank system obtains first account information associated with the bank account information based on the bank account information.

[0108] Step F2: When the first account information satisfies a third predetermined condition, the bank system determines that the first account information is the target account information.

[0109] Step F3: The bank system queries the second associated data information corresponding to the target account information.

[0110] Step F4: The bank system outputs the second associated data information.

[0111] Exemplarily, the third predetermined condition may be preset or user-defined, which is not limited in the embodiment of the present invention.

[0112] In one example, the first account information may correspond to a plurality of different parameter information, such as transaction scope relationships, etc. A preset threshold range may be set for the parameter information, and when the first account information is within the preset threshold range, it is considered that the first account information meets the third predetermined condition.

[0113] Exemplarily, the first account information may include multiple account information, and the first account information satisfying the third predetermined condition may be that all account information in the first account information satisfies the third predetermined condition, or may be that part of the account information in the first account information satisfies the third predetermined condition.

[0114] Example 2: In combination with Example 1 above, after the banking system receives the list of associated enterprises (i.e., the first associated data information) and the second model, the second model is run. The second model can find the bank account number corresponding to the enterprise in the list of associated enterprises in the banking system according to the list of associated enterprises (i.e., the first account information). Then, the transaction flow is scanned according to the account number, and the transaction relationship between the account number and the enterprise in the list of associated enterprises is identified according to the knowledge graph model of the banking system. If it is within the range of 5 transaction transactions (i.e., the first account information meets the third predetermined condition), it is determined that there is a potential associated transaction relationship, and it can be considered that the bank account needs to be reported (i.e., the first account information is the target account information); finally, the bank account number with potential associated transaction relationship and the transaction flow record of associated transactions are sent to the supervision system.

[0115] In this way, the banking system can run the second model to promptly report problematic bank accounts to the regulatory system, eliminating the need for the regulatory system to spend a lot of manpower and time on query and screening, thereby improving the efficiency of the regulatory system in performing regulatory tasks.

[0116] In order to solve the above technical problems, the embodiment of the present invention also provides a device for retrieving supervision information. Figure 2 , Figure 2 This is a schematic diagram of the basic structure of the device for retrieving regulatory information for this implementation.

[0117] like Figure 2 As shown, a regulatory information retrieval device includes: a sending module 301, which is used to send a first model to an industrial and commercial system when a first predetermined condition is met, and the first model is used to trigger the industrial and commercial system to retrieve first associated data information; the sending module 301 is also used to send a second model and the first associated data information to a bank system when receiving the first associated data information sent by the sending module 301, and the second model is used to trigger the bank system to retrieve second associated data information, and the second associated data information corresponds to the first associated data information; a receiving module 302 is used to receive the second associated data information sent by the bank system; the sending module 301 is also used to send early warning information to the enterprise corresponding to the second associated data information when the second associated data information meets the second predetermined condition.

[0118] When the first predetermined condition is met, the regulatory information retrieval device sends a first model to the industrial and commercial system for triggering the industrial and commercial system to retrieve the first associated data information. When the regulatory system receives the first associated data information, the regulatory system will continue to send a second model to the bank system for triggering the bank system to retrieve the second associated data information. The second associated data information corresponds to the first associated data information. Then, the regulatory system will receive the second associated data information sent by the bank system, and when the second associated data information meets the second predetermined condition, it will send an early warning message to the enterprise corresponding to the second associated data information. In this way, the regulatory information retrieval device does not need to spend a lot of manpower and time to collect and analyze data from different systems. It can directly retrieve the analysis result data of each system through different models, and finally directly obtain the analysis results, saving time and manpower costs, and improving the efficiency of regulatory investigations.

[0119] In some embodiments, the retrieval module 303 is used to retrieve the first information, and the first information is the public information of the target enterprise, and the public information includes: financial statement information, external disclosure information; the analysis module is used to analyze the first information retrieved by the retrieval module and extract the second information from the first information, and the second information is information used to query the affiliated enterprises of the target enterprise.

[0120] In some embodiments, the sending module 301 is specifically used to send the first model and the second information to the industrial and commercial system when the first predetermined condition is met; the first model is used to trigger the industrial and commercial system to retrieve the first related data information according to the second information.

[0121] In some embodiments, the receiving module 302 is used to receive the first model sent by the supervision system; the execution module is used to run the first model according to the second information, and the first model is used to collect data information in the industrial and commercial system; the query module 304 is used to query the first related data information, and the first related data information is the information of the related enterprises in the industrial and commercial system corresponding to the second information; the sending module 301 is used to send the first related data information to the supervision system.

[0122] In some embodiments, the receiving module 302 is used to receive the second model and the first associated data information sent by the regulatory system; the executing module 305 is used to run the second model according to the first associated data information, and the second model is used to collect bank account information corresponding to the first associated data information in the banking system; the output module 306 is used to output the second associated data information according to the bank account information; the sending module 301 is used to send the second associated data information to the regulatory system.

[0123] In some implementations, the query module 304 is used to query bank account information corresponding to the first associated data information based on the first associated data information.

[0124] In some embodiments, the acquisition module 307 is used to acquire the first account information associated with the above-mentioned bank account information based on the above-mentioned bank account information; the determination module 308 is used to determine that the above-mentioned first account information is the target account information when the above-mentioned first account information acquired by the above-mentioned acquisition module 307 meets the third predetermined condition; the query module 305 is used to query the above-mentioned second associated data information corresponding to the above-mentioned target account information determined by the above-mentioned determination module 308; the output module 306 is used to output the above-mentioned second associated data information queried by the above-mentioned query module 305.

[0125] To solve the above technical problems, the embodiment of the present invention also provides a computer device. Figure 3 , Figure 3 This is a basic structural block diagram of the computer device in this embodiment.

[0126] like Figure 3 As shown, a schematic diagram of the internal structure of a computer device. The computer device includes a processor, a non-volatile storage medium, a memory, and a network interface connected via a system bus. Among them, the non-volatile storage medium of the computer device stores an operating system, a database, and computer-readable instructions. The database may store a control information sequence. When the computer-readable instructions are executed by the processor, the processor can implement a data relationship reconstruction method. The processor of the computer device is used to provide computing and control capabilities to support the operation of the entire computer device. The memory of the computer device may store computer-readable instructions. When the computer-readable instructions are executed by the processor, the processor can execute a data relationship reconstruction method. The network interface of the computer device is used to connect and communicate with a terminal. Those skilled in the art can understand that Figure 3The structure shown in the figure is only a block diagram of a part of the structure related to the solution of the present application, and does not constitute a limitation on the computer device to which the solution of the present application is applied. The specific computer device may include more or fewer components than those shown in the figure, or combine certain components, or have a different arrangement of components.

[0127] In this embodiment, the processor is used to execute Figure 2 The specific functions of the sending module 301 and the receiving module 302 in the data relationship reconstruction device are shown in FIG. 1 , and the memory stores the program code and various data required to execute the above modules. The network interface is used to transmit data between the user terminal or the server. The memory in this embodiment stores the program code and data required to execute all sub-modules in the data relationship reconstruction device, and the server can call the program code and data of the server to execute the functions of all sub-modules.

[0128] The computer equipment constructs the data relationship between the collected transaction nodes into a node feature graph and a corresponding adjacency matrix, and uses a graph neural network to extract features from the node feature graph and the adjacency matrix, and reconstructs the relationship based on the extracted features. When reconstructing the relationship, the graph neural network reconstructs the data based on the learned hidden logical relationship between the data. The process of relationship reconstruction is the process of restoring the data node feature graph and the adjacency matrix. In the process of breaking up and reorganizing the data node feature graph and the adjacency matrix, the graph neural network verifies the correctness of the hidden association relationship between the transaction nodes it has learned, and then reconstructs the relationship between the transaction nodes using the learned hidden relationship, and selects the target transaction nodes that meet the conditions for subsequent use. Through graphics processing technology, the logical relationship behind the data is deeply interpreted, which improves the depth and efficiency of data analysis.

[0129] The present invention also provides a storage medium storing computer-readable instructions. When the computer-readable instructions are executed by one or more processors, the one or more processors execute the steps of the data relationship reconstruction method in any of the above embodiments.

[0130] Those skilled in the art can understand that all or part of the processes in the above-mentioned embodiments can be implemented by instructing the relevant hardware through a computer program, and the computer program can be stored in a computer-readable storage medium. When the program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, the aforementioned storage medium can be a non-volatile storage medium such as a disk, an optical disk, a read-only memory (ROM), or a random access memory (RAM).

[0131] The present invention also provides a storage medium storing computer-readable instructions. When the computer-readable instructions are executed by one or more processors, the one or more processors execute the steps of the data relationship reconstruction method in any of the above embodiments.

[0132] Those skilled in the art can understand that all or part of the processes in the above-mentioned embodiments can be implemented by instructing the relevant hardware through a computer program, and the computer program can be stored in a computer-readable storage medium. When the program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, the aforementioned storage medium can be a non-volatile storage medium such as a disk, an optical disk, a read-only memory (ROM), or a random access memory (RAM).

[0133] Those skilled in the art will appreciate that the various operations, methods, steps, measures, and schemes in the processes discussed in this application may be alternated, altered, combined, or deleted. Further, other steps, measures, and schemes in the various operations, methods, and processes discussed in this application may also be alternated, altered, rearranged, decomposed, combined, or deleted. Further, the steps, measures, and schemes in the prior art that are similar to those disclosed in this application may also be alternated, altered, rearranged, decomposed, combined, or deleted.

[0134] The above description is only a partial implementation method of the present application. It should be pointed out that for ordinary technicians in this technical field, several improvements and modifications can be made without departing from the principles of the present application. These improvements and modifications should also be regarded as the scope of protection of the present application.

Claims

1. A method for retrieving regulatory information, characterized in that: include: When the first predetermined condition is met, the supervision system sends the first model to the industrial and commercial system, where the first model is used to trigger the industrial and commercial system to retrieve the first associated data information; When the regulatory system receives the first associated data information, the regulatory system sends a second model and the first associated data information to a banking system, wherein the second model is used to trigger the banking system to retrieve second associated data information, and the second associated data information corresponds to the first associated data information; The supervision system receives the second associated data information sent by the banking system; The supervision system sends warning information to the enterprise corresponding to the second associated data information when the second associated data information meets a second predetermined condition; The first model includes: automatically retrieving and collecting data in the industrial and commercial system, and analyzing the retrieved and collected data to obtain a model of the first associated data information, and / or triggering the industrial and commercial system to spontaneously retrieve and collect data, and triggering the industrial and commercial system to start a data analysis function to analyze and obtain a model of the first associated data information; The first associated data information includes enterprises that are associated with the target enterprise and are queried by the first model; The affiliated enterprises include enterprises that are affiliated with the target enterprise itself, and / or enterprises that are affiliated with the shareholders, senior executives, and close relatives of the target enterprise; The second model includes: according to the first associated data information, automatically retrieving and collecting data in the bank system, and analyzing the retrieved and collected data to obtain the model of the second associated data information, and / or triggering the bank system to spontaneously retrieve and collect data according to the first associated data information, and triggering the bank system to start the data analysis function to analyze and obtain the model of the second associated data information; The second predetermined condition includes that the second associated data information exceeds a predetermined threshold, that is, the enterprise corresponding to the second associated data information does not comply with relevant laws and regulations; The supervision system is used to preset a compliance threshold range for the second associated data information, and when the second associated data information is within the predetermined range, it is determined that the enterprise corresponding to the second associated data information complies with relevant laws and regulations, and no warning information is sent; and when the second associated data information is within the predetermined range, it is determined that the enterprise corresponding to the second associated data information does not comply with relevant laws and regulations, and the warning information is sent.

2. The method according to claim 1, characterized in that Before the supervision system sends the first model to the industrial and commercial system when the first predetermined condition is met, the method further includes: The supervision system retrieves first information, where the first information is public information of the target enterprise, and the public information includes: financial statement information and external disclosure information; The supervision system analyzes the first information and extracts second information from the first information, where the second information is information used to query the associated enterprises of the target enterprise.

3. The method according to claim 2, characterized in that When the first predetermined condition is met, the supervision system sends the first model to the industrial and commercial system, including: When the first predetermined condition is met, the supervision system sends the first model and the second information to the industrial and commercial system; the first model is used to trigger the industrial and commercial system to retrieve the first associated data information according to the second information.

4. The method according to claim 3, characterized in that The method further comprises: The industrial and commercial system receives the first model sent by the supervision system; The industrial and commercial system runs the first model according to the second information, and the first model is used to collect data information in the industrial and commercial system; The industrial and commercial system queries the first associated data information, where the first associated data information is information of an associated enterprise corresponding to the second information in the industrial and commercial system; The industrial and commercial system sends the first associated data information to the supervision system.

5. The method according to claim 1, characterized in that The method further comprises: The banking system receives the second model and the first associated data information sent by the regulatory system; The bank system runs the second model according to the first associated data information, where the second model is used to collect bank account information corresponding to the first associated data information in the bank system; The bank system outputs the second associated data information according to the bank account information; The banking system sends the second associated data information to the supervision system.

6. The method according to claim 5, characterized in that The banking system runs the second model according to the first associated data information, including: The bank system queries the bank account information corresponding to the first associated data information according to the first associated data information.

7. The method according to claim 5 or 6, characterized in that: The step of outputting the second associated data information according to the bank information includes: The bank system acquires first account information associated with the bank account information according to the bank account information; The bank system determines that the first account information is target account information if the first account information satisfies a third predetermined condition; The bank system queries the second associated data information corresponding to the target account information; The bank system outputs the second associated data information.

8. A device for retrieving supervision information, characterized in that: include: A sending module, configured to send a first model to the industrial and commercial system when a first predetermined condition is met, wherein the first model is used to trigger the industrial and commercial system to retrieve first associated data information; The sending module is further used to send a second model and the first associated data information to a bank system when receiving the first associated data information sent by the sending module, wherein the second model is used to trigger the bank system to retrieve second associated data information, and the second associated data information corresponds to the first associated data information; A receiving module, used for receiving the second associated data information sent by the bank system; The sending module is further configured to send warning information to the enterprise corresponding to the second associated data information when the second associated data information satisfies a second predetermined condition; The first model includes: automatically retrieving and collecting data in the industrial and commercial system, and analyzing the retrieved and collected data to obtain a model of the first associated data information, and / or triggering the industrial and commercial system to spontaneously retrieve and collect data, and triggering the industrial and commercial system to start a data analysis function to analyze and obtain a model of the first associated data information; The first associated data information includes enterprises that are associated with the target enterprise and are queried by the first model; The affiliated enterprises include enterprises that are affiliated with the target enterprise itself, and / or enterprises that are affiliated with the shareholders, senior executives, and close relatives of the target enterprise; The second model includes: according to the first associated data information, automatically retrieving and collecting data in the bank system, and analyzing the retrieved and collected data to obtain the model of the second associated data information, and / or triggering the bank system to spontaneously retrieve and collect data according to the first associated data information, and triggering the bank system to start the data analysis function to analyze and obtain the model of the second associated data information; The second predetermined condition includes that the second associated data information exceeds a predetermined threshold, that is, the enterprise corresponding to the second associated data information does not comply with relevant laws and regulations; The sending module is specifically used to preset a compliance threshold range of the second associated data information, and when the second associated data information is within the predetermined range, it is determined that the enterprise corresponding to the second associated data information complies with relevant laws and regulations, and there is no need to send warning information; and when the second associated data information is within the predetermined range, it is determined that the enterprise corresponding to the second associated data information does not comply with relevant laws and regulations, and the warning information is sent.

9. A computer device, characterized in that: It includes a memory and a processor, wherein the memory stores computer-readable instructions, and when the computer-readable instructions are executed by the processor, the processor executes the steps of the method for retrieving regulatory information as claimed in any one of claims 1 to 7.

10. A storage medium storing computer-readable instructions, characterized in that: When the computer-readable instructions are executed by one or more processors, the one or more processors execute the steps of the method for retrieving regulatory information as described in any one of claims 1 to 7.

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