A method and device for tracking the flow of funds, an electronic device, and a storage medium

Abstract

The present application discloses a method and device for tracking the flow of funds, an electronic device, and a storage medium. The method includes: identifying target fund transactions from the transaction flow of a target account; determining the target fund transactions as the currently to-be-tracked transactions; screening out each current target transfer transaction that meets a preset condition from each transfer transaction of the account where the currently to-be-tracked transactions are credited; after tracking all the currently to-be-tracked transactions, determining whether the current tracking level is equal to a preset level; if it is determined that they are not equal, then for each current target transfer transaction, determining the target transfer transaction as a new currently to-be-tracked transaction, and returning to execute screening out each current target transfer transaction that meets the preset condition from each transfer transaction of the account where the currently to-be-tracked transaction is credited; if it is determined that they are equal, then integrating the target fund transactions and all the target transfer transactions to obtain fund flow data and providing feedback.

Description

Technical Field

[0001] This application relates to the technical field of fund flow tracking, and in particular to a method and device for tracking fund flow, an electronic device, and a storage medium. Background Art

[0002] The fund flow of social entities has always been the focus of internal and external supervision of banks. However, since various types of funds flowing into entity accounts are mixed with the entity's own funds and are difficult to distinguish, and the fund transaction channels are complex, etc., it is crucial to effectively track the fund flow.

[0003] Currently, the tracking of fund flow mainly uses the fund flow tracking audit method, that is, relying on auditors to view the fund flow of the target entity and judging the fund flow based on experience.

[0004] However, this method mainly relies on experience, so it cannot effectively guarantee the accuracy of the tracking results, and it is limited to tracking the accounts of a single entity, and it is not convenient for batch and continuous tracking. Therefore, it is impossible to fully and accurately find out the true use of the funds. Summary of the Invention

[0005] Based on the above deficiencies of the prior art, this application provides a method and device for tracking fund flow, an electronic device, and a storage medium to solve the problem that the prior art cannot accurately track the fund flow.

[0006] To achieve the above object, this application provides the following technical solutions:

[0007] The first aspect of this application provides a method for tracking fund flow, including:

[0008] Identifying target fund transactions from the transaction flow of the target account;

[0009] Determining the target fund transaction as the current transaction to be tracked;

[0010] From each outgoing transaction of the account where the current transaction to be tracked arrives, screening out each current target outgoing transaction that meets the preset conditions; wherein, the preset conditions include a balance condition and an amount condition; the balance condition is an outgoing transaction within the range from the time when the current transaction to be tracked arrives until the balance of the account where the current transaction to be tracked arrives decreases to no more than a preset percentage of the amount of the current transaction to be tracked; the amount condition is an outgoing transaction whose cumulative outgoing amount is within the preset percentage range of the amount of the current transaction to be tracked from the time when the current transaction to be tracked arrives;

[0011] After tracking all the current transactions to be tracked, determining whether the current tracking level is equal to the preset level;

[0012] If it is determined that the current tracking level is not equal to the preset level, for each current target transfer transaction, the target transfer transaction is determined as the new current transaction to be tracked, and for the new current transaction to be tracked, return and execute to screen out, from each transfer transaction of the account where the new current transaction to be tracked is credited, each current target transfer transaction that meets the preset conditions;

[0013] If it is determined that the current tracking level is equal to the preset level, integrate the target fund transaction and all the screened target transfer transactions to obtain fund flow data and feedback.

[0014] Optionally, in the above fund flow tracking method, identifying the target fund transaction from the transaction flow of the target account includes:

[0015] Identifying a transfer transaction from the transaction flow of the target account whose transaction information meets the screening conditions; wherein, the transaction information at least includes a summary code, a transaction amount, and a transaction direction;

[0016] Determine the identified transfer transaction as the target fund transaction.

[0017] Optionally, in the above fund flow tracking method, integrating the target fund transaction and all the screened target transfer transactions to obtain fund flow data and feedback includes:

[0018] Splice the target fund transaction and all the screened target transfer transactions in sequence according to the fund flow to obtain fund flow data and feedback.

[0019] Optionally, before determining whether the current tracking level is equal to the preset level in the above fund flow tracking method, it further includes:

[0020] Determine whether the number of the currently screened target transfer transactions is zero; wherein, if it is determined that the number of the currently screened target transfer transactions is zero, execute integrating the target fund transaction and all the screened target transfer transactions to obtain fund flow data and feedback; if it is determined that the number of the currently screened target transfer transactions is not zero, execute determining whether the current tracking level is equal to the preset level.

[0021] The second aspect of this application provides a fund flow tracking device, including:

[0022] An identification unit, configured to identify a target fund transaction from the transaction flow of a target account;

[0023] The first determination unit is configured to determine the target fund transaction as the current transaction to be traced;

[0024] The tracing unit is configured to screen out each current target transfer transaction that meets the preset conditions from each transfer transaction of the account where the current transaction to be traced arrives; wherein, the preset conditions include a balance condition and an amount condition; the balance condition is a transfer transaction within the range from the arrival of the current transaction to be traced to the time when the balance of the account where the current transaction to be traced arrives decreases to no more than a preset percentage of the amount of the current transaction to be traced; the amount condition is a transfer transaction whose cumulative transfer amount is within the preset percentage range of the amount of the current transaction to be traced from the arrival of the current transaction to be traced;

[0025] The first judgment unit is configured to judge whether the current tracing layer number is equal to the preset layer number after tracing all the current transactions to be traced;

[0026] The second determination unit is configured to, when it is judged that the current tracing layer number is not equal to the preset layer number, respectively determine each of the current target transfer transactions as the new current transaction to be traced, and for the new current transaction to be traced, return to the tracing unit to execute screening out each current target transfer transaction that meets the preset conditions from each transfer transaction of the account where the current transaction to be traced arrives;

[0027] The integration unit is configured to, when it is judged that the current tracing layer number is equal to the preset layer number, integrate the target fund transaction and all the screened target transfer transactions to obtain fund flow data and feedback.

[0028] Optionally, in the above-mentioned fund flow tracing device, the identification unit includes:

[0029] The identification subunit is configured to identify a transfer transaction whose transaction information meets the screening conditions from the transaction flow of the target account; wherein, the transaction information at least includes a summary code, a transaction amount, and a transaction direction;

[0030] The third determination unit is configured to determine the identified transfer transaction as the target fund transaction.

[0031] Optionally, in the above-mentioned fund flow tracing device, the integration unit includes:

[0032] The integration subunit is configured to splice the target fund transaction and all the screened target transfer transactions in sequence according to the fund flow to obtain fund flow data and feedback.

[0033] Optionally, in the above-mentioned fund flow tracing device, it further includes:

[0034] A second judgment unit, configured to judge whether the quantity of the currently screened target transfer transactions is zero; wherein, if it is judged that the quantity of the currently screened target transfer transactions is zero, the integration unit performs the integration of the target fund transactions and all the screened target transfer transactions to obtain fund flow data and feedback; if it is judged that the quantity of the currently screened target transfer transactions is not zero, the first judgment unit performs the judgment of whether the current tracking level is equal to the preset level.

[0035] The third aspect of the present application provides an electronic device, including:

[0036] A memory and a processor;

[0037] Wherein, the memory is used for storing a program;

[0038] The processor is used for executing the program, and when the program is executed, it is specifically used to implement the fund flow tracking method described in any one of the above.

[0039] The third aspect of the present application provides a computer storage medium, which is used for storing a computer program, and when the computer program is executed, it is used to implement the fund flow tracking method described in any one of the above.

[0040] A method for tracking the flow of funds provided by this application identifies target fund transactions from the transaction records of a target account. Then, the target fund transactions are determined as the current transactions to be tracked, facilitating targeted tracking. Next, from each outgoing transaction of the account where the current transaction to be tracked is credited, the current target outgoing transactions that meet the preset conditions are screened out. Among them, the preset conditions include a balance condition and an amount condition. The balance condition is for outgoing transactions within the range from the time when the current transaction to be tracked is credited until the balance of the account where the current transaction to be tracked is credited decreases to no more than a preset percentage of the amount of the current transaction to be tracked. The amount condition is for outgoing transactions where the cumulative outgoing amount is within the preset percentage range of the amount of the current transaction to be tracked, so that the transaction records of the current transaction to be tracked flowing to the next account can be accurately screened out. After tracking all the current transactions to be tracked, it is determined whether the current tracking level is equal to the preset level. If it is determined that the current tracking level is not equal to the preset level, then for each of the current target outgoing transactions, the target outgoing transaction is determined as the new current transaction to be tracked, and for the new current transaction to be tracked, the process returns to execute screening out the current target outgoing transactions that meet the preset conditions from each outgoing transaction of the account where the current transaction to be tracked is credited, thereby realizing continuous tracking of multi-hand transaction records and not being limited to tracking only the first-hand transaction records. If it is determined that the current tracking level is equal to the preset level, then the target fund transactions and all the screened-out target outgoing transactions are integrated to obtain the fund flow data and feedback, thereby realizing a method that can accurately track the multi-hand transaction records of funds in batches. BRIEF DESCRIPTION OF THE DRAWINGS

[0041] To more clearly illustrate the technical solutions in the embodiments of this application or the prior art, the following will briefly introduce the drawings required for use in the description of the embodiments or the prior art. Obviously, the drawings in the following description are only the embodiments of this application. For those of ordinary skill in the art, without creative efforts, other drawings can also be obtained based on the provided drawings.

[0042] Figure 1 It is a flowchart of a method for tracking the flow of funds provided by an embodiment of this application;

[0043] Figure 2 It is a flowchart of a method for identifying target fund transactions provided by an embodiment of this application;

[0044] Figure 3 It is a schematic structural diagram of a device for tracking the flow of funds provided by an embodiment of this application;

[0045] Figure 4 It is a schematic structural diagram of an identification unit provided by an embodiment of this application;

[0046] Figure 5 A schematic structural diagram of an electronic device provided by an embodiment of the present application. Detailed implementation manners

[0047] Next, the technical solutions in the embodiments of the present application will be clearly and completely described in conjunction with the accompanying drawings in the embodiments of the present application. Obviously, the described embodiments are only a part of the embodiments of the present application, rather than all the embodiments. Based on the embodiments in the present application, all other embodiments obtained by those of ordinary skill in the art without creative efforts shall fall within the protection scope of the present application.

[0048] In the present application, relational terms such as "first" and "second" are only used to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any actual relationship or order between these entities or operations. Moreover, the term "comprising", "including" or any other variant thereof is intended to cover a non-exclusive inclusion, such that a process, method, article or device comprising a series of elements not only includes those elements, but also includes other elements not expressly listed, or further includes elements inherent to such process, method, article or device. Without further limitation, an element defined by the phrase "comprising a..." does not exclude the presence of additional identical elements in the process, method, article or device comprising the element.

[0049] An embodiment of the present application provides a method for tracking the flow of funds, as Figure 1 shown, including the following steps:

[0050] S101. Identify target fund transactions from the transaction records of the target account.

[0051] It should be noted that when tracking the flow of funds, usually not all fund transactions are tracked, but specific fund transactions of one or some accounts are tracked according to requirements. Therefore, it is necessary to first identify the target fund transactions that meet the requirements from the transaction records of the target account to be tracked.

[0052] Optionally, in an embodiment of the present application, an implementation method of step S101, as Figure 2 shown, includes:

[0053] S201. Identify incoming transactions whose transaction information meets the screening conditions from the transaction records of the target account.

[0054] Wherein, the transaction information at least includes a summary code, a transaction amount, and a transaction direction.

[0055] It should be noted that in the transaction flow record table, different types of transactions are usually classified by summary codes. For example, 0089 represents loan disbursement, and 0088 represents recovery of loan principal and interest, etc. Therefore, specific types of fund transactions can be screened out through summary codes.

[0056] Usually, large transactions are traced, so the amounts of the screened transactions also need to meet the requirements. And usually the transaction direction of the transaction is also particularly important because usually only certain specific transaction parties are traced. Therefore, target fund transactions can be screened out from these three dimensions. Of course, transactions that meet the requirements can also be screened out from other dimensions according to needs as target fund transactions.

[0057] S202. Determine the identified incoming transaction as the target fund transaction.

[0058] S102. Determine the target fund transaction as the currently pending trace transaction.

[0059] Since multi-layer tracing will be performed in the embodiments of the present application, that is, the multi-hand flows of the target fund transaction will be penetrated, and in order to perform targeted tracing, the transaction to be traced currently needs to be determined as the currently pending trace transaction.

[0060] S103. From each outgoing transaction of the account where the currently pending trace transaction arrives, screen out each current target outgoing transaction that meets the preset conditions.

[0061] Among them, the preconditions include a balance condition and an amount condition. The balance condition is for outgoing transactions within the range from the time when the currently pending trace transaction arrives until the balance of the account where the currently pending trace transaction arrives decreases to no more than a preset ratio of the amount of the currently pending trace transaction. The amount condition is for outgoing transactions where the cumulative outgoing amount is within the preset ratio range of the amount of the currently pending trace transaction from the time when the currently pending trace transaction arrives.

[0062] Specifically, for a currently pending trace transaction, the outgoing transactions that occur within the range from the time when it arrives until the account where it arrives becomes no more than a preset ratio of the amount of the currently pending trace transaction are likely to transfer the funds of the currently pending trace transaction. Therefore, in the embodiments of the present application, for a currently pending trace transaction, transactions that meet the balance condition can be screened out first, that is, all fund transfer records from the time when the currently pending trace transaction arrives until the balance of the account where it arrives is less than or equal to a preset ratio of the amount of the currently pending trace transaction are located first. Among them, the preset ratio can be set according to experience.

[0063] In these transactions, for transfer transactions with a cumulative amount smaller than the current transaction to be traced, since the transaction amount is too small, they are usually not transfers of the funds of the current transaction to be traced. For transfer transactions with a cumulative amount larger than the current transaction to be traced, since the transaction amount is too large, it also indicates that they are no longer transfers of the funds of the current transaction to be traced. Therefore, in the embodiment of the present application, after screening out transactions that meet the balance condition, further screen out transfer transactions that meet the amount condition from these transactions as the currently obtained target transfer transactions, that is, screen out transfer transactions from these transactions whose cumulative transfer amount ranges from the time of arrival of the current transaction to be traced to the preset ratio range of the amount of the current transaction to be traced after sending this transaction. The preset ratio range can also be set according to experience.

[0064] S104. After tracing all current transactions to be traced, determine whether the current tracing level is equal to the preset level.

[0065] It should be noted that initially, there is only one target fund transaction as the current transaction to be traced. However, in subsequent iterations, there are usually multiple current transactions to be traced, and these current transactions to be traced belong to the same transaction penetrated from the target fund transaction, that is, they belong to the transactions that need to be processed in the same tracing level. Therefore, it is necessary to determine whether the current tracing level is equal to the preset level after tracing all current transactions to be traced, rather than determining whether the current tracing level is equal to the preset level after processing one of the current transactions to be traced.

[0066] Among them, the tracing level refers to the number of times of tracing the transaction flow downward from the time of arrival of the target fund transaction, that is, it can be understood as the level of the account traced downward or the number of loops. Since the funds will keep flowing, the reference value of the flow of transactions that have passed through too many hands is relatively low. Therefore, in the embodiment of the present application, the preset level can be set according to requirements. When it is determined that the current tracing level is not equal to the preset level, step S105 is executed. If it is determined that the current tracing level is equal to the preset level, step S106 is executed.

[0067] Optionally, in the embodiment of the present application, considering the situation that before reaching the preset level, after the funds flow into the account, they have not been transferred out or the transfer amount is very small compared to the transferred-in funds, thus the current target transfer transaction cannot be obtained. Therefore, in another embodiment of the present application, after tracing all current transactions to be traced, before determining whether the current tracing level is equal to the preset level, it can further include:

[0068] Determine whether the number of currently obtained target transfer transactions screened out this time is zero.

[0069] Among them, if it is determined that the number of the currently screened target transfer transactions is zero, then step S106 is executed. If it is determined that the number of the currently screened target transfer transactions is not zero, then step S105 is executed.

[0070] S105. For each of the currently screened target transfer transactions, determine the target transfer transaction as the new currently to-be-tracked transaction.

[0071] It should be noted that after step S103 is executed, the currently to-be-tracked transaction that is the current tracking target has been tracked. And the funds of the currently to-be-tracked transaction have been fully transferred to the next account through the currently screened target transfer transactions. At this time, it is necessary to continue tracking the next flow direction. Therefore, for each of the currently screened target transfer transactions, the target transfer transaction is determined as the new currently to-be-tracked transaction, and then for the new currently to-be-tracked transaction, step S103 is executed again to continue tracking the next flow direction, that is, to track where the amount of the currently screened target transfer transaction flows to after arriving in the account.

[0072] S106. Integrate the target fund transaction and all the screened target transfer transactions to obtain the fund flow data and feedback.

[0073] Since the tracking level meets the requirements at this time, the target transfer transactions tracked from the target fund transaction to each tracking level can be integrated at this time, so that the fund flow data of the target fund transaction can be obtained and fed back.

[0074] Optionally, in another embodiment of the present application, in order to more vividly express the flow direction of the target funds, an implementation manner of step S106 includes:

[0075] Splice the target fund transaction and all the screened target transfer transactions in sequence according to the fund flow direction to obtain the fund flow data and feedback.

[0076] By means of splicing, the tracked transactions are spliced into full-link structured data, so that the flow direction of the target funds can be more vividly expressed. For example, the target construction company receives loan funds - the loan funds are transferred to the first person Li Si - the first person Li Si transfers the received transferred funds to the second person Zhang San - the second person Zhang San transfers the received transferred funds to Wang Mou, Xu Mou, Ge Mou, etc. respectively.

[0077] An embodiment of the present application provides a method for tracking the flow of funds. The target fund transactions are identified from the transaction records of the target account. Then, the target fund transactions are determined as the current transactions to be tracked, facilitating targeted tracking. Next, from each outgoing transaction of the account where the current transaction to be tracked is credited, the current target outgoing transactions that meet the preset conditions are screened out. Among them, the preset conditions include a balance condition and an amount condition. The balance condition is that the outgoing transaction belongs to the range from the time when the current transaction to be tracked is credited until the balance of the account where the current transaction to be tracked is credited decreases to no more than a preset percentage of the amount of the current transaction to be tracked. The amount condition is that the outgoing transaction belongs to the range where the cumulative outgoing amount is within a preset percentage of the amount of the current transaction to be tracked from the time when the current transaction to be tracked is credited, so that the transaction records of the current transaction to be tracked flowing to the next account can be accurately screened out. After tracking all the current transactions to be tracked, it is determined whether the current tracking level is equal to the preset level. If it is determined that the current tracking level is not equal to the preset level, then for each current target outgoing transaction, the target outgoing transaction is determined as the new current transaction to be tracked, and for the new current transaction to be tracked, the process returns to execute screening out the current target outgoing transactions that meet the preset conditions from each outgoing transaction of the account where the current transaction to be tracked is credited, thereby realizing continuous tracking of multi-hand transactions, not limited to only the first-hand transaction tracking. If it is determined that the current tracking level is equal to the preset level, then the target fund transactions and all the screened-out target outgoing transactions are integrated to obtain the fund flow data and feedback, thereby realizing a method that can accurately track the multi-hand transactions of funds in batches.

[0078] It should be noted that the flowcharts and block diagrams in the accompanying drawings illustrate the possible architectures, functions, and operations of systems, methods, and computer program products according to various embodiments of the present application. In this regard, each block in the flowchart or block diagram may represent a module, a program segment, or a part of code that contains one or more executable instructions for implementing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the blocks may occur in a different order than marked in the accompanying drawings. For example, two consecutive blocks shown may actually be executed substantially in parallel, and they may sometimes be executed in the reverse order, depending on the functions involved. It should also be noted that each block in the block diagram and / or flowchart, and the combination of blocks in the block diagram and / or flowchart, can be implemented by a dedicated hardware-based system for performing the specified functions or operations, or can be implemented by a combination of dedicated hardware and computer instructions.

[0079] Although the operations are depicted in a particular order, this should not be construed as requiring that the operations be performed in the particular order shown or in a sequential order. In certain environments, multitasking and parallel processing may be advantageous.

[0080] Another embodiment of the present application provides a tracking device for the flow of funds, as Figure 3 shown, including the following units:

[0081] An identification unit 301, configured to identify a target fund transaction from the transaction flow of a target account.

[0082] A first determination unit 302, configured to determine the target fund transaction as the currently to-be-tracked transaction.

[0083] A tracking unit 303, configured to screen out each current target transfer transaction that meets a preset condition from each transfer transaction of the account where the currently to-be-tracked transaction is credited.

[0084] Among them, the preconditions include a balance condition and an amount condition. The balance condition is for transfer transactions within the range from when the currently to-be-tracked transaction is credited until the balance of the account where the currently to-be-tracked transaction is credited decreases to no more than a preset percentage of the amount of the currently to-be-tracked transaction. The amount condition is for transfer transactions whose cumulative transfer amount is within a preset percentage range of the amount of the currently to-be-tracked transaction from when the currently to-be-tracked transaction is credited.

[0085] A first judgment unit 304, configured to judge whether the current tracking level is equal to a preset level after tracking all currently to-be-tracked transactions.

[0086] A second determination unit 305, configured to, when it is judged that the current tracking level is not equal to the preset level, respectively determine each target transfer transaction as a new currently to-be-tracked transaction for each current target transfer transaction, and for the new currently to-be-tracked transaction, return to the tracking unit 303 to execute screening out each current target transfer transaction that meets the preset conditions from each transfer transaction of the account where the currently to-be-tracked transaction is credited.

[0087] An integration unit 306, configured to, when it is judged that the current tracking level is equal to the preset level, integrate the target fund transaction and all screened target transfer transactions to obtain fund flow data and feedback.

[0088] Optionally, in the tracking device for the flow of funds provided by another embodiment of the present application, the identification unit, as Figure 4 shown, includes:

[0089] An identification subunit 401, configured to identify a transfer transaction whose transaction information meets a screening condition from the transaction flow of a target account.

[0090] Among them, the transaction information includes at least a summary code, a transaction amount, and a transaction direction.

[0091] A third determination unit 402, configured to determine the identified incoming transaction as a target fund transaction.

[0092] Optionally, in the fund flow tracking device provided in another embodiment of the present application, the integration unit includes:

[0093] An integration subunit, configured to splice the target fund transaction and all the filtered target outgoing transactions in sequence according to the fund flow direction to obtain fund flow data and feed it back.

[0094] Optionally, in the fund flow tracking device provided in another embodiment of the present application, it may further include:

[0095] A second judgment unit, configured to judge whether the number of the currently filtered target outgoing transactions in this screening is zero.

[0096] Among them, if it is judged that the number of the currently filtered target outgoing transactions in this screening is zero, the integration unit executes the integration of the target fund transaction and all the filtered target outgoing transactions to obtain fund flow data and feed it back. If it is judged that the number of the currently filtered target outgoing transactions in this screening is not zero, the first judgment unit executes the judgment on whether the current tracking layer number is equal to the preset layer number.

[0097] It should be noted that for the specific working processes of the respective units provided in the above embodiments of the present application, reference may be made correspondingly to the corresponding steps in the above method embodiments, which will not be elaborated here.

[0098] Another embodiment of the present application provides an electronic device, as Figure 5 shown, including:

[0099] A memory 501 and a processor 502.

[0100] Among them, the memory 501 is used to store programs.

[0101] The processor 502 is used to execute the programs stored in the memory 501, and when the programs are executed, it is specifically used to implement the fund flow tracking method provided in any one of the above embodiments.

[0102] Another embodiment of the present application provides a computer storage medium, used to store a computer program, and when the computer program is executed, it is used to implement the fund flow tracking method provided in any one of the above embodiments.

[0103] Computer storage media includes both permanent and non-permanent, removable and non-removable media that can store information by any method or technology. The information can be computer-readable instructions, data structures, program modules, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technologies, compact disc read-only memory (CD-ROM), digital versatile disc (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transitory media that can be used to store information accessible by a computing device. As defined herein, computer-readable media does not include transitory media such as modulated data signals and carrier waves.

[0104] Those skilled in the art can further realize that the units and algorithm steps of each example described in combination with the embodiments disclosed herein can be implemented by electronic hardware, computer software, or a combination of both. To clearly illustrate the interchangeability of hardware and software, the composition and steps of each example have been generally described according to functions in the above description. Whether these functions are executed in a hardware or software manner depends on the specific application and design constraints of the technical solution. Skilled professionals can use different methods for each specific application to implement the described functions, but such implementation should not be considered to exceed the scope of this application.

[0105] The above description of the disclosed embodiments enables those skilled in the art to implement or use this application. Various modifications to these embodiments will be obvious to those skilled in the art, and the general principles defined herein can be implemented in other embodiments without departing from the spirit or scope of this application. Therefore, this application will not be limited to the embodiments shown herein, but rather to the broadest scope consistent with the principles and novel features disclosed herein.

Claims

1. A method for tracking the flow of funds, characterized in that, comprising: identifying target fund transactions from the transaction records of the target account; determining the target fund transactions as the current transactions to be tracked; screening out current target transfer transactions that meet preset conditions from each transfer transaction of the account where the current transaction to be tracked is credited; wherein, the preset conditions include a balance condition and an amount condition; the balance condition is for transfer transactions within the range from the time when the current transaction to be tracked is credited until the balance of the account where the current transaction to be tracked is credited decreases to no more than a preset percentage of the amount of the current transaction to be tracked; the amount condition is for transfer transactions where the cumulative transfer amount is within a preset percentage range of the amount of the current transaction to be tracked from the time when the current transaction to be tracked is credited; after tracking all the current transactions to be tracked, determining whether the current tracking level is equal to the preset level; if it is determined that the current tracking level is not equal to the preset level, then for each current target transfer transaction, determining the target transfer transaction as the new current transaction to be tracked, and for the new current transaction to be tracked, returning to execute screening out current target transfer transactions that meet the preset conditions from each transfer transaction of the account where the current transaction to be tracked is credited; if it is determined that the current tracking level is equal to the preset level, then integrating the target fund transactions and all the screened target transfer transactions to obtain fund flow data and feedback.

2. The method according to claim 1, characterized in that, identifying the target fund transactions from the transaction records of the target account includes: identifying incoming transactions whose transaction information meets the screening conditions from the transaction records of the target account; wherein, the transaction information at least includes a summary code, a transaction amount, and a transaction direction; determining the identified incoming transactions as the target fund transactions.

3. The method according to claim 1, characterized in that, integrating the target fund transactions and all the screened target transfer transactions to obtain fund flow data and feedback includes: sequentially splicing the target fund transactions and all the screened target transfer transactions according to the fund flow direction to obtain fund flow data and feedback.

4. The method according to claim 1, characterized in that, before determining whether the current tracking level is equal to the preset level, it further includes: determining whether the number of the current target transfer transactions screened out this time is zero; wherein, if it is determined that the number of the current target transfer transactions screened out this time is zero, then executing integrating the target fund transactions and all the screened target transfer transactions to obtain fund flow data and feedback; if it is determined that the number of the current target transfer transactions screened out this time is not zero, then executing determining whether the current tracking level is equal to the preset level.

5. A device for tracking the flow of funds, characterized in that, comprising: an identification unit for identifying target fund transactions from the transaction records of the target account; A first determination unit, configured to determine a target fund transaction as a currently to-be-tracked transaction; A tracking unit, configured to screen out each current target transfer transaction that meets a preset condition from each transfer transaction of the account into which the currently to-be-tracked transaction is credited; wherein, the preset condition includes a balance condition and an amount condition; the balance condition is that it belongs to the range of transfer transactions when the balance of the account into which the currently to-be-tracked transaction is credited decreases to no more than a preset ratio of the amount of the currently to-be-tracked transaction; the amount condition is that it belongs to the range of transfer transactions where the cumulative transfer amount is within a preset ratio of the amount of the currently to-be-tracked transaction from the time when the currently to-be-tracked transaction is credited; A first judgment unit, configured to judge whether the current tracking layer number is equal to a preset layer number after tracking all the currently to-be-tracked transactions; A second determination unit, configured to, when it is judged that the current tracking layer number is not equal to the preset layer number, respectively determine each of the current target transfer transactions as a new currently to-be-tracked transaction, and for the new currently to-be-tracked transaction, return to the tracking unit to execute screening out each current target transfer transaction that meets the preset condition from each transfer transaction of the account into which the currently to-be-tracked transaction is credited; An integration unit, configured to, when it is judged that the current tracking layer number is equal to the preset layer number, integrate the target fund transaction and all the screened target transfer transactions to obtain fund flow data and feedback.

6. The device according to claim 5, wherein, the identification unit includes: An identification subunit, configured to identify an incoming transaction whose transaction information meets a screening condition from the transaction flow of a target account; wherein, the transaction information at least includes a summary code, a transaction amount, and a transaction direction; A third determination unit, configured to determine the identified incoming transaction as the target fund transaction.

7. The device according to claim 5, wherein, the integration unit includes: An integration subunit, configured to splice the target fund transaction and all the screened target transfer transactions in sequence according to the fund flow to obtain fund flow data and feedback.

8. The device according to claim 5, wherein, it further includes: A second judgment unit, configured to judge whether the number of the currently screened target transfer transactions is zero; wherein, if it is judged that the number of the currently screened target transfer transactions is zero, the integration unit executes integrating the target fund transaction and all the screened target transfer transactions to obtain fund flow data and feedback; if it is judged that the number of the currently screened target transfer transactions is not zero, the first judgment unit executes judging whether the current tracking layer number is equal to the preset layer number.

9. An electronic device, wherein, it includes: a memory and a processor; wherein, the memory is used for storing a program; The processor is used to execute the program, and when the program is executed, it is specifically used to implement the method for tracking the fund flow as described in any one of claims 1 to 4.

10. A computer storage medium, characterized in that it is used to store a computer program, and when the computer program is executed, it is used to implement the method for tracking the fund flow as described in any one of claims 1 to 4.

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