Funds tracking methods, devices and equipment

Abstract

This specification discloses a fund tracking method, apparatus, and device. In the fund tracking scheme, when it is necessary to track target funds, the target funds are automatically traced downstream. From the fund transactions stored in the data platform, the corresponding accounts and fund details are collected. Based on the fund accounts and fund details involved in the tracing process, a fund flow diagram is established to automatically track and record the flow of the target funds.

Description

Technical Field

[0001] This specification relates to the field of computer technology, and in particular to a method, apparatus, and device for tracking funds. Background Technology

[0002] In recent years, the situation of financial crimes committed through new types of networks has become increasingly serious, mainly characterized by a large number of cases, huge amounts of money involved, funds being transferred to multiple parties, and difficulty in tracing them.

[0003] To ascertain the flow of funds and trace their final destination—the ultimate beneficiary account (often referred to as the suspect's account)—manual screening of each transaction detail is required to extract fund flow information and construct a fund flow chart. However, given the current large number of cases or the multiple transfers of funds, this requires a significant investment of manpower, which is inherently difficult to guarantee. Furthermore, manual methods are time-consuming and inefficient. Summary of the Invention

[0004] In view of this, embodiments of this specification provide a fund tracking method, apparatus, and device for automatically tracking and recording the flow of funds to obtain the final destination of the funds.

[0005] The embodiments in this specification adopt the following technical solutions:

[0006] This specification provides an embodiment of a fund tracking method, including:

[0007] Determine the account information of the first account and the second account corresponding to the target funds;

[0008] Based on the account information of the first account and the account information of the second account, and with the authorization of the data platform, obtain the first fund transfer details from the first account to the second account from the data platform to which the first account belongs, and obtain the second fund transfer details from the second account to other accounts from the data platform to which the second account belongs;

[0009] Based on the first fund details and the second fund details, a fund flow diagram is established, wherein the first account is the root node of the fund flow diagram, the second account is the first-level child node of the fund flow diagram, and the other accounts are the child nodes of the corresponding first-level child nodes.

[0010] The fund flow diagram is expanded according to the preset expansion strategy.

[0011] This specification also provides a fund tracking device, including:

[0012] The module determines the account information of the first account and the second account corresponding to the target funds.

[0013] The acquisition module, based on the account information of the first account and the account information of the second account, and with the authorization of the data platform, obtains the first fund transfer details from the first account to the second account from the data platform to which the first account belongs, and obtains the second fund transfer details from the second account to other accounts from the data platform to which the second account belongs;

[0014] The topology module establishes a fund flow diagram based on the first fund details and the second fund details, wherein the first account is the root node of the fund flow diagram, the second account is the first-level child node of the fund flow diagram, and the other accounts are the child nodes of the corresponding first-level child nodes.

[0015] The topology module is also used to expand the fund flow map according to a preset expansion strategy.

[0016] This specification also provides an electronic device for tracking funds, comprising:

[0017] At least one processor; and,

[0018] A memory communicatively connected to the at least one processor; wherein,

[0019] The memory stores instructions executable by the at least one processor, which, when executed by the at least one processor, enable the at least one processor to:

[0020] Determine the account information of the first account and the second account corresponding to the target funds;

[0021] Based on the account information of the first account and the account information of the second account, and with the authorization of the data platform, obtain the first fund transfer details from the first account to the second account from the data platform to which the first account belongs, and obtain the second fund transfer details from the second account to other accounts from the data platform to which the second account belongs;

[0022] Based on the first fund details and the second fund details, a fund flow diagram is established, wherein the first account is the root node of the fund flow diagram, the second account is the first-level child node of the fund flow diagram, and the other accounts are the child nodes of the corresponding first-level child nodes.

[0023] The fund flow diagram is expanded according to the preset expansion strategy.

[0024] The above-mentioned at least one technical solution adopted in the embodiments of this specification can achieve the following beneficial effects: relying on big data and financial institutions, the fund details (i.e. flow situation) of the accounts involved in the case are obtained by automatic querying over a period of time, and the accounts corresponding to the obtained fund details are used as nodes to construct a fund flow graph, thereby transforming the fund transfer relationship between the accounts involved in the case into the path relationship in the topology graph. Thus, the fund flow situation can be quickly and intuitively reflected through the topology graph. This not only reduces manual intervention and shortens the time consumption, but also improves efficiency. Attached Figure Description

[0025] To more clearly illustrate the technical solutions in the embodiments or prior art of this specification, the drawings used in the description of the embodiments or prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments recorded in this specification. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0026] Figure 1 This is a flowchart illustrating the concept of a fund tracking method provided in the embodiments of this specification.

[0027] Figure 2 This is a flowchart illustrating a fund tracking method provided in an embodiment of this specification.

[0028] Figure 3 This is a schematic diagram of the fund flow diagram in a fund tracking method provided in the embodiments of this specification.

[0029] Figure 4 This is a flowchart illustrating a fund tracking method provided in an embodiment of this specification.

[0030] Figure 5 This is a schematic diagram of a fund tracking device provided in an embodiment of this specification. Detailed Implementation

[0031] To enable those skilled in the art to better understand the technical solutions in this specification, the technical solutions in the embodiments of this specification will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of this application, and not all embodiments. Based on the embodiments of this specification, all other embodiments obtained by those skilled in the art without creative effort should fall within the scope of protection of this application.

[0032] As analyzed above, the flow of funds requires manual screening of fund details to determine the flow of funds and to piece together a flow chart. This not only requires a lot of manpower, but is also time-consuming and inefficient.

[0033] However, the inventors discovered that: First, in economic crime cases, suspects often conceal their true identities through various means to evade tracking. These include impersonating others, registering false information online, repeatedly transferring funds between multiple financial institutions (such as banks and payment institutions) and multiple regions to dilute the amount, and using illegal institutions to launder funds. Regardless of the method, the suspect's ultimate goal is to possess the funds, so the funds will eventually flow to the suspect's account or an account actually controlled by the suspect. Second, the amount of data involved in tracking is enormous, requiring rapid and accurate tracking and recording of suspicious fund flows to determine the accounts actually controlled by the suspect. Third, coordinating with financial institutions for assistance in inquiries is time-consuming and labor-intensive, making it impossible to quickly investigate suspected funds.

[0034] The inventors also discovered that by relying on big data and financial institutions, at least one of the following types of information can be processed to improve the accuracy and efficiency of fund tracking: First, account information related to the funds involved in the case, such as account opening information and account type (e.g., corporate account, private account); second, transaction information (i.e., transaction details) involved in the transfer of the funds involved in the case, such as amount, outflow party, inflow party, time, location information, transfer method, and transfer type (e.g., corporate account, private account); and third, other related information, such as records left in account opening and fund transactions (e.g., signatures, fingerprints, identity information, audio, images, videos, etc.).

[0035] Therefore, the fund investigation and control platform can rely on existing financial institutions to trace the flow of funds by using big data processing to obtain the flow of funds and establish a fund flow topology map. The fund flow topology map can then be used to automatically track and record the flow of funds.

[0036] Based on this, the embodiments of this specification provide a method, apparatus, and device for tracking funds, wherein the overall concept of the fund tracking scheme can be as follows: Figure 1As shown, when it is necessary to track target funds (such as suspicious funds), based on the authorization of the data platform, the suspicious funds are automatically traced downwards. The accounts and fund details corresponding to the target funds are collected from the fund transactions (such as fund details) retained in the data platform (such as financial institutions). Based on the fund accounts and fund details involved in the tracing process, a fund flow diagram is established to automatically track and record the flow of suspicious funds. Specifically, when it is necessary to trace the funds involved in a case, preliminary information about the funds is obtained. For example, the first account (such as the victim's account in telecommunications fraud) and the second account (such as the suspect account that received the victim's transfer in telecommunications fraud) initially involved in the funds are obtained through financial institutions. The account information of these accounts and the fund details between the first account and the second account (i.e., the fund transfer details) are obtained as fund details. Then, a fund flow diagram is built based on these fund details. That is to say, the first account can be used as the root node of the fund flow diagram, the second account as the first-level child node, and other accounts as the next-level child nodes to build a preliminary fund flow diagram. Then, according to the expansion strategy, the fund flow of each child node is expanded layer by layer on the fund flow diagram until the expansion is completed.

[0037] Therefore, by automatically tracing the funds involved in the case downstream, a fund flow map of the funds involved in the case can be automatically constructed. In this way, the flow of funds involved in the case can be automatically tracked and recorded.

[0038] The technical solutions provided in each embodiment are described in detail below with reference to the accompanying drawings.

[0039] This specification provides an embodiment of a fund tracking method that can be used for fund investigation and control.

[0040] like Figure 2 As shown, the fund tracking method may include the following steps:

[0041] Step S102: Determine the account information of the first account and the second account corresponding to the target funds.

[0042] In practice, the query function of the data platform can be integrated into the fund investigation and control platform in accordance with laws and regulations. This allows the data platform to grant query authority when assisting competent authorities in querying fund details. This enables timely monitoring and rapid querying of fund flows from the office, and quick querying of accounts involving funds. It also reduces the time spent on information acquisition from days or hours to minutes or seconds.

[0043] The data platform can be a financial institution that stores user financial data. This financial institution can include at least one of the following: financial regulatory authorities, banks, securities firms, insurance companies, trust investment firms, fund management companies, and third-party payment platforms. Account information can include at least one of the following: basic account information, such as the account holder's basic information, account opening time, and account opening location; basic bank card information, such as card type, card number, and fund transactions; and account type, such as corporate accounts and personal accounts.

[0044] Assistance with inquiries by financial institutions refers to the act of a financial institution, in accordance with relevant laws or administrative regulations and the requests of authorized authorities, informing authorized agencies of the amount, currency, and other deposit information of an entity or individual's deposits. Authorized agencies are entities that, according to explicit provisions of laws and administrative regulations, have the right to inquire about, freeze, and deduct funds from the deposits of entities or individuals in financial institutions.

[0045] In practice, based on the victim's report or suspicious activity of the monitored funds, it can be determined that there are target funds (i.e. suspicious funds) that need to be tracked and recorded. When suspicious funds are discovered, based on the preliminary information (such as account information) involved in the funds (i.e. suspicious funds), the account information of the first account and the second account involved in the funds can be obtained from the financial institution. The first account is the account from which the suspicious funds are transferred, and the second account is the account that receives the suspicious funds.

[0046] For example, in telecommunications fraud cases, based on the victim's report, the funds account involved in the victim's report can be entered into the fund tracing and control platform. In this way, the fund tracing and control platform will know that there are suspicious funds that need to be investigated and controlled. At this time, the account from which the victim transferred the funds can be designated as the first account, and the suspected account that received the funds transferred by the victim can be designated as the second account. Then, the account information of the first account and the account information of the second account can be obtained from existing financial institutions.

[0047] It should be noted that, depending on the actual circumstances of the case, the number of first accounts and second accounts can be one or more.

[0048] Step S104: Based on the account information of the first account and the account information of the second account, and with the authorization of the data platform, obtain the first fund details transferred from the first account to the second account from the data platform to which the first account belongs, and obtain the second fund details transferred from the second account to other accounts from the data platform to which the second account belongs.

[0049] The authorization of the data platform refers to the authority granted by the data platform to query the fund details it records when assisting the competent authorities in conducting inquiries. The details may include transaction information involved in the transfer of the funds involved in the case. Specifically, the details may include at least one of the following data: amount, time, number of transactions, expenditure card number, name of the payer, income card number, name of the recipient, card type, financial institution involved, currency, etc.

[0050] In practice, fund details can be obtained within a preset time period to improve the effectiveness of the details. For example, in telecommunications fraud, only the transfer details of the suspect's account after the victim transfers money to them can be obtained.

[0051] Step S106: Based on the first fund details and the second fund details, establish a fund flow diagram, wherein the first account is the root node of the fund flow diagram, the second account is the first-level child node of the fund flow diagram, and the other accounts are the child nodes of the corresponding first-level child nodes.

[0052] In practice, the fund flow diagram can adopt a tree-like topology structure.

[0053] Step S108: Expand the fund flow diagram according to the preset expansion strategy.

[0054] In specific implementation, the expansion strategy is a strategy used to expand the nodes in the fund flow graph, which may include at least one of the following strategies: hierarchical strategy, number of nodes strategy, account type strategy, transaction amount strategy, and number of transactions strategy. The hierarchical strategies include expanding the fund flow graph according to a preset number of levels, such as limiting the number of levels to 50, and not expanding beyond 50 levels; the node number strategy includes expanding the fund flow graph according to a preset number of nodes, such as limiting the number of child nodes under each node to 100; the account type strategy includes expanding the graph based on different account types, such as given that corporate accounts are strictly regulated and easily tracked, and suspects rarely use corporate accounts for fund transfers and dilution, so when expanding to corporate accounts, it may not expand further, while private accounts will be expanded layer by layer; the transaction amount strategy includes expanding the graph based on different transaction amounts, such as not expanding if the transaction amount is lower than a preset amount; and the transaction number strategy includes expanding the graph based on the number of transactions, such as expanding if the number of transactions exceeds a preset number.

[0055] Based on steps S102-S108 above, and using preliminary information about the funds involved, relying on big data and financial institutions, and with authorization, the system can automatically query and obtain the fund details (i.e., transfer details) between the first and second accounts involved in the case over a certain period. An initial fund flow graph is constructed by using the first account as the root node, the second account as a first-level child node, and other accounts as next-level child nodes of the first-level child nodes. Then, according to an expansion strategy, the fund details of these child nodes are further expanded onto the initial fund flow graph until the expansion is complete. This transforms the fund transfer relationships between the accounts involved in the case into path relationships in a topology graph, thereby quickly and intuitively reflecting the fund flow situation through the topology graph. With authorization from the data platform, fund flows can be tracked in a timely and automatic manner, reducing manual intervention, shortening processing time, and improving efficiency.

[0056] It should be noted that the fund tracking and recording in the fund investigation and control platform here refers to legally obtaining data information or documents such as account information and transaction details of the funds involved in the case in financial institutions, focusing on the account holder, transaction method, and fund transfer direction, and extracting information on the flow of funds in order to track and record the flow of funds for the purpose of securing evidence or real-time monitoring and early warning.

[0057] Figure 3 This is a schematic diagram of the flow of funds involved in the case, obtained according to steps S102 to S108 above.

[0058] like Figure 3 As shown, for ease of explanation, this example uses one primary account, three secondary accounts, and seven other accounts involved in the case. Specifically, an initial fund flow diagram is first established with primary account A0 as the root node and secondary accounts A1, A2, and A3 as first-level child nodes. Detailed information between the root node and each primary child node is recorded in the corresponding node connections. Then, the other accounts involved with the secondary accounts are used as lower-level child nodes, progressively expanding the next-level child nodes for each secondary account, thereby expanding the initial fund flow diagram into the final fund flow diagram corresponding to the funds involved in the case. Among these, the other accounts include A0, A1, A2, and A3. 11 A 12 A 31 A 32 A 33 A 111 and A 123 A 11 and A 12 For A1, the next level of other accounts, A 31 A 32 and A 33 For the next level of other accounts corresponding to A3, A 111 For A 11The corresponding next-level account, A 123 For A 12 A2, A 31 A 32 and A 33 The corresponding next-level accounts. Thus, based on the fund flow chart, the final destination of the funds involved in the case can be quickly determined to be account A. 111 and A 123 .

[0059] In one implementation, fund details can be obtained by sending a query request for fund details to a financial institution. Specifically, based on the account information of the first account and the account information of the second account, the initial details can be obtained through the following steps: A first query request is sent to a first data platform to which the first account belongs, based on the account information of the first account and the account information of the second account. The first query request is used to query the first data platform for transfer details of funds transferred from the first account to the second account within a first preset time period; a first query result is received from the first data platform in response to the first query request, and the first query result is used as the initial details.

[0060] In one implementation, during the step of obtaining fund details, it can be determined first whether an inquiry request has already been sent to a financial institution, and then an inquiry request for fund details can be sent to the financial institution to obtain the fund details, so as to avoid sending the inquiry request to the financial institution repeatedly.

[0061] Specifically, based on the account information of the first account and the account information of the second account, the initial details can be obtained through the following steps: Based on the account information of the first account and the account information of the second account, determine whether a second query request has been sent to the second data platform. The second query request is used to query the second data platform for transfer details of funds transferred from the first account to the second account within a first preset time period. If yes, receive the second query result returned by the second data platform in response to the second query request, and use the second query result as the initial details. If no, send the second query request to the second data platform.

[0062] In one implementation, extended information can also be obtained from financial institutions as correlation information, and the extended information can be used to make extended judgments when extending the fund flow map according to the extended strategy, thereby improving the accuracy and efficiency of the extended strategy.

[0063] Specifically, the extended information may include at least one of the following: transaction details and current card details. The transaction details may include at least one of the following: transaction time, transaction records (such as signature, fingerprint, identity information, audio, image, video, etc.), amount, spending card number, spender's name, receiving card number, receiving person's name, transaction type, transaction serial number, transaction currency, account balance, and transaction institution information. The current card details may include at least one of the following: issuing financial institution, card number, cardholder information, and supported currencies.

[0064] Thus, the step of expanding the fund flow diagram according to the obtained fund details corresponding to the second account and according to the preset expansion strategy may include: expanding the fund flow diagram according to the obtained expansion information and the fund details corresponding to the second account and according to the preset expansion strategy.

[0065] For example, if the acquired extended information includes that the transaction type is corporate and the second account is a corporate account, and the extended strategy includes an account type extended strategy, then it is not necessary to extend the nodes under the second account.

[0066] It should be noted that the extended information and the fund details corresponding to the second account can also be obtained from financial institutions using a similar implementation method to the aforementioned method for obtaining the initial details, which will not be elaborated here.

[0067] In one implementation, the fund tracking method can also be used to form a fund flow data analysis engine based on big data processing, and the analysis engine can be set in the fund investigation and control platform to facilitate the analysis of the transfer path in fund investigation and control, track the activity area of ​​gangs, and prevent and control telecommunications fraud, etc.

[0068] In one implementation, information can also be set on the connecting lines between nodes in the fund flow diagram, such as account information or fund details, so that information related to fund transactions between two nodes can be intuitively obtained from the fund flow diagram.

[0069] For example, the account information of the first account and / or the account information of the second account can be set on the connection line between the root node and the child node corresponding to the second account. For example, the opening bank information of both the first account and the second account can be set on the connection line. In this way, the fund flow diagram can intuitively show which financial institutions (i.e., the opening banks) are involved in the fund transactions between the two accounts.

[0070] In one implementation, the information on the connecting line can be set to control whether the information on the connecting line is displayed or hidden. For example, if the information on a connecting line is hidden, the information on that connecting line is hidden and is not displayed on that connecting line. If the information is expanded, the information on that connecting line will be displayed.

[0071] In practice, the user operations received by the connection line, such as click operations, can be used to switch, label, or edit the attribute information on the connection line so that the information on the connection line is in the state corresponding to the attribute information. For example, the attribute information only has two states: hidden and displayed. Clicking the connection line will hide the information, and clicking the connection line again will expand the information.

[0072] In one implementation, node attribute information can also be set on the nodes in the fund flow diagram, and then the state of the node can be controlled through the node attribute information, such as whether the node is in an expanded state, a collapsed state, a new node is inserted at the node, or the node is deleted.

[0073] Specifically, the fund tracking method further includes: setting corresponding node attribute information in the nodes of the fund flow diagram, so that the node with the node attribute information is in the corresponding node state when it receives the user operation corresponding to the node attribute information. The node state may include a collapsed state, an expanded state, a deleted state, and a new node insertion state.

[0074] For example, by interacting with the nodes, users can put the nodes into corresponding states. For instance, clicking the node will expand or collapse it, double-clicking the node will insert a new node at that node, or selecting the delete menu from the pop-up menu on the node will delete the node. These details will not be elaborated further here.

[0075] This specification provides a fund tracking method as a scheduled task to track and record the flow of suspicious funds. It can be applied to fund investigation and control platforms. The flowchart of the fund tracking method is shown below. Figure 4 .

[0076] like Figure 4 As shown, the fund tracking method includes the following steps:

[0077] Step S202: Determine preliminary information about the funds involved in the case, then proceed to step S204.

[0078] Step S204: Obtain account information, transaction information, and related information of the funds involved from the financial institution to which the first account belongs, and form a topological information list of the funds involved.

[0079] The account information, transaction information, and related information can be respectively corresponding to the account information, fund details, and extended information in the aforementioned embodiments. Then, using this information, the topological information required for the fund flow diagram described in the aforementioned embodiments can be established according to the actual case needs, and an information list can be formed for easy traversal.

[0080] Step S206: Determine whether a query request for the topology information corresponding to the funds involved in the case has been sent to a financial institution. If yes, proceed to step S208; otherwise, proceed to step S218.

[0081] Step S208: Determine whether the query result returned by the financial institution has been received. If yes, proceed to step S210; otherwise, proceed to step S224.

[0082] Step S210: Parse the query results and run the expansion strategy to expand the fund flow diagram according to the query results.

[0083] Step S212: Update the information of each connecting line in the fund flow diagram, such as card information and fund information.

[0084] Step S214: Based on the expansion strategy, determine whether further expansion is needed. If yes, proceed to step S216; otherwise, proceed to step S224.

[0085] Step S216: Traverse the downstream accounts (e.g., bank cards) of the current node downwards and insert a new node in the fund flow graph based on the traversal results.

[0086] Step S218: Check the details of the funds involved in the case.

[0087] Step S220: Inquire about the bank card information of the funds involved in the case.

[0088] Step S222: Inquire about relevant extended information regarding the funds involved in the case.

[0089] It should be noted that steps S218 to S222 can be selected for execution according to actual needs. For example, if you need to obtain fund details, execute step S218; if you need to obtain bank information, execute step S220; and if you need to obtain extended information, execute step S222. Furthermore, the query process is similar to step S206 and will not be described further.

[0090] Step S224: Determine whether the topology information list has been traversed. If yes, end the current timed task; otherwise, return to step S206.

[0091] Through the above steps S202 to S224, relying on big data and financial institutions, the topological information consisting of account information (such as bank cards), transaction details and related information involved in the case can be traversed layer by layer downwards, and the traversal results can be transformed into a fund flow diagram, so as to automatically track and record the fund flow of the case.

[0092] Based on the same inventive concept, embodiments of this specification also provide devices, electronic devices, and non-volatile computer storage media for tracking funds.

[0093] Given that the fund tracking method has been described in detail in the foregoing embodiments, the corresponding contents related to the device, equipment, and non-volatile computer storage medium will not be repeated in the following embodiments.

[0094] Figure 5 This is a schematic diagram of a fund tracking device provided in this specification, wherein the dashed boxes indicate optional modules.

[0095] like Figure 5 As shown, the fund tracking device 10 includes a determination module 11, an acquisition module 12, and a topology module 13. The determination module 11 determines the account information of a first account and a second account corresponding to the target funds. The acquisition module 12, based on the account information of the first and second accounts and authorized by the data platform, obtains first fund transfer details from the first account to the second account, and second fund transfer details from the second account to other accounts, from the data platform to the second account. The topology module 13 establishes a fund flow diagram based on the first and second fund details, wherein the first account is the root node of the fund flow diagram, the second account is the first-level child node of the fund flow diagram, and the other accounts are the child nodes of the corresponding first-level child nodes. The topology module 13 is also used to expand the fund flow diagram according to a preset expansion strategy.

[0096] Optionally, obtaining the first fund transfer details from the first account to the second account from the data platform to which the first account belongs includes:

[0097] Send a first query request to the first data platform to which the first account belongs. The first query request is used to query the first data platform for the transfer details of funds transferred from the first account to the second account.

[0098] The system receives the first query result returned by the first data platform in response to the first query request, and uses the first query result as the first fund details.

[0099] Optionally, obtaining the first fund transfer details from the first account to the second account from the data platform to which the first account belongs includes:

[0100] Determine whether a second query request has been sent to the second data platform to which the first account belongs. The second query request is used to query the transfer details of funds transferred from the first account to the second account from the second data platform.

[0101] If so, the second query result returned by the second data platform in response to the second query request is received, and the second query result is used as the first fund details;

[0102] If not, then send the second query request to the second data platform.

[0103] Optionally, the acquisition module is further configured to acquire extended information based on the account information of the first account and the account information of the second account;

[0104] The topology module is used to expand the fund flow map according to the acquired expansion information and a preset expansion strategy.

[0105] Optionally, the funds tracking device 10 further includes a first setting module 14, which is used to set the account information of the first account and / or the account information of the second account on the connection line between the root node and the child node corresponding to the second account.

[0106] Optionally, the fund tracking device 10 further includes a second setting module 15, which is used to set corresponding node attribute information in the nodes of the fund flow diagram, so that the node with the set node attribute information is in the corresponding node state when it receives the user operation corresponding to the node attribute information.

[0107] This specification also provides an electronic device for tracking funds, comprising:

[0108] At least one processor; and,

[0109] A memory communicatively connected to the at least one processor; wherein,

[0110] The memory stores instructions executable by the at least one processor, which, when executed by the at least one processor, enable the at least one processor to:

[0111] Determine the account information of the first account and the second account corresponding to the target funds;

[0112] Based on the account information of the first account and the account information of the second account, and with the authorization of the data platform, obtain the first fund transfer details from the first account to the second account from the data platform to which the first account belongs, and obtain the second fund transfer details from the second account to other accounts from the data platform to which the second account belongs;

[0113] Based on the first fund details and the second fund details, a fund flow diagram is established, wherein the first account is the root node of the fund flow diagram, the second account is the first-level child node of the fund flow diagram, and the other accounts are the child nodes of the corresponding first-level child nodes.

[0114] The fund flow diagram is expanded according to the preset expansion strategy.

[0115] This specification also provides an embodiment of a non-volatile computer storage medium for tracking funds, storing computer-executable instructions, wherein the computer-executable instructions are configured as follows:

[0116] Determine the account information of the first account and the second account corresponding to the target funds;

[0117] Based on the account information of the first account and the account information of the second account, and with the authorization of the data platform, obtain the first fund transfer details from the first account to the second account from the data platform to which the first account belongs, and obtain the second fund transfer details from the second account to other accounts from the data platform to which the second account belongs;

[0118] Based on the first fund details and the second fund details, a fund flow diagram is established, wherein the first account is the root node of the fund flow diagram, the second account is the first-level child node of the fund flow diagram, and the other accounts are the child nodes of the corresponding first-level child nodes.

[0119] The fund flow diagram is expanded according to the preset expansion strategy.

[0120] The foregoing has described specific embodiments of this specification. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recited in the claims may be performed in a different order than that shown in the embodiments and may still achieve the desired result. Furthermore, the processes depicted in the drawings do not necessarily require the specific or sequential order shown to achieve the desired result. In some embodiments, multitasking and parallel processing are possible or may be advantageous.

[0121] The various embodiments in this specification are described in a progressive manner. Similar or identical parts between embodiments can be referred to mutually. Each embodiment focuses on describing the differences from other embodiments. In particular, the embodiments of apparatus, devices, and non-volatile computer storage media are basically similar to the method embodiments, so the descriptions are relatively simple; relevant parts can be referred to the descriptions of the method embodiments.

[0122] The apparatus, device, non-volatile computer storage medium and method provided in the embodiments of this specification are corresponding. Therefore, the apparatus, device and non-volatile computer storage medium also have similar beneficial technical effects as the corresponding method. Since the beneficial technical effects of the method have been described in detail above, the beneficial technical effects of the corresponding apparatus, device and non-volatile computer storage medium will not be repeated here.

[0123] In the 1990s, improvements to a technology could be clearly distinguished as either hardware improvements (e.g., improvements to the circuit structure of diodes, transistors, switches, etc.) or software improvements (improvements to the methodology). However, with technological advancements, many methodological improvements today can be considered direct improvements to the hardware circuit structure. Designers almost always obtain the corresponding hardware circuit structure by programming the improved methodology into the hardware circuit. Therefore, it cannot be said that a methodological improvement cannot be implemented using hardware physical modules. For example, a Programmable Logic Device (PLD) (such as a Field Programmable Gate Array (FPGA)) is such an integrated circuit whose logic function is determined by the user programming the device. Designers can program and "integrate" a digital system onto a PLD themselves, without needing chip manufacturers to design and manufacture dedicated integrated circuit chips. Furthermore, nowadays, instead of manually manufacturing integrated circuit chips, this programming is mostly implemented using "logic compiler" software. Similar to the software compiler used in program development, the original code before compilation must also be written in a specific programming language, called a Hardware Description Language (HDL). There are many HDLs, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), Confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), Lava, Lola, MyHDL, PALASM, and RHDL (Ruby Hardware Description Language). Currently, the most commonly used are VHDL (Very-High-Speed ​​Integrated Circuit Hardware Description Language) and Verilog. Those skilled in the art should also understand that by simply performing some logic programming on the method flow using one of these hardware description languages ​​and programming it into an integrated circuit, the hardware circuit implementing the logical method flow can be easily obtained.

[0124] The controller can be implemented in any suitable manner. For example, it can take the form of a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro)processor, logic gates, switches, application-specific integrated circuits (ASICs), programmable logic controllers, and embedded microcontrollers. Examples of controllers include, but are not limited to, the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicon Labs C8051F320. A memory controller can also be implemented as part of the control logic of the memory. Those skilled in the art will also recognize that, in addition to implementing the controller in purely computer-readable program code form, the same functionality can be achieved by logically programming the method steps to make the controller take the form of logic gates, switches, application-specific integrated circuits, programmable logic controllers, and embedded microcontrollers. Therefore, such a controller can be considered a hardware component, and the means included therein for implementing various functions can also be considered as structures within the hardware component. Alternatively, the means for implementing various functions can be considered as both software modules implementing the method and structures within the hardware component.

[0125] The systems, devices, modules, or units described in the above embodiments can be implemented by computer chips or entities, or by products with certain functions. A typical implementation device is a computer. Specifically, a computer can be, for example, a personal computer, laptop computer, cellular phone, camera phone, smartphone, personal digital assistant, media player, navigation device, email device, game console, tablet computer, wearable device, or any combination of these devices.

[0126] For ease of description, the above devices are described separately by function as various units. Of course, in implementing this application, the functions of each unit can be implemented in one or more software and / or hardware.

[0127] Those skilled in the art will understand that embodiments of the present invention can be provided as methods, systems, or computer program products. Therefore, the present invention can take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, the present invention can take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0128] This invention is described with reference to flowchart illustrations and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each block of the flowchart illustrations and / or block diagrams, and combinations of blocks in the flowchart illustrations and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, special-purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, generate instructions for implementing the flowchart illustrations and / or block diagrams. Figure 1 One or more processes and / or boxes Figure 1 A device that provides the functions specified in one or more boxes.

[0129] These computer program instructions may also be stored in a computer-readable storage medium that can direct a computer or other programmable data processing device to function in a particular manner, such that the instructions stored in the computer-readable storage medium produce an article of manufacture including instruction means, which are implemented in a process Figure 1 One or more processes and / or boxes Figure 1 The function specified in one or more boxes.

[0130] These computer program instructions may also be loaded onto a computer or other programmable data processing equipment to cause a series of operational steps to be performed on the computer or other programmable equipment to produce a computer-implemented process, thereby providing instructions that execute on the computer or other programmable equipment for implementing the process. Figure 1 One or more processes and / or boxes Figure 1 The steps of the function specified in one or more boxes.

[0131] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.

[0132] Memory may include non-persistent storage in computer-readable media, such as random access memory (RAM) and / or non-volatile memory, such as read-only memory (ROM) or flash RAM. Memory is an example of computer-readable media.

[0133] Computer-readable media includes both permanent and non-permanent, removable and non-removable media that can store information using any method or technology. Information can be computer-readable instructions, data structures, modules of programs, 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, CD-ROM, digital versatile optical disc (DVD) or other optical storage, magnetic tape, magnetic magnetic disk storage or other magnetic storage devices, or any other non-transferable medium that can be used to store information accessible by a computing device. As defined herein, computer-readable media does not include transient computer-readable media, such as modulated data signals and carrier waves.

[0134] It should also be noted that the terms "comprising," "including," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such a process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising one..." does not exclude the presence of other identical elements in the process, method, article, or apparatus that includes said element.

[0135] This application can be described in the general context of computer-executable instructions, such as program modules, that are executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc., that perform a specific task or implement a specific abstract data type. This application can also be practiced in distributed computing environments where tasks are performed by remote processing devices connected via a communication network. In distributed computing environments, program modules can reside in local and remote computer storage media, including storage devices.

[0136] The various embodiments in this specification are described in a progressive manner. Similar or identical parts between embodiments can be referred to interchangeably. Each embodiment focuses on describing the differences from other embodiments. In particular, the system embodiments are basically similar to the method embodiments, so the description is relatively simple; relevant parts can be referred to the descriptions in the method embodiments.

[0137] The above description is merely an embodiment of this application and is not intended to limit the scope of this application. Various modifications and variations can be made to this application by those skilled in the art. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of this application should be included within the scope of the claims of this application.

Claims

1. A fund tracking method, comprising: determining account information of a first account corresponding to a target fund and account information of a second account; obtaining, based on authorization of a data platform, from the data platform to which the first account belongs, a first fund detail of a transfer from the first account to the second account according to the account information of the first account and the account information of the second account, and obtaining, from the data platform to which the second account belongs, a second fund detail of a transfer from the second account to other accounts; the first account being an account from which a victim transfers funds; the second account being a suspect account that receives the funds transferred by the victim; establishing a fund flow graph according to the first fund detail and the second fund detail, wherein the first account is a root node of the fund flow graph, the second account is a first-level child node of the fund flow graph, and the other accounts are child nodes of the first-level child node corresponding to the first-level child node; expanding the fund flow graph according to a preset expansion strategy; the expansion strategy including at least one of a node number strategy, an account type strategy, a transaction amount strategy, and a transaction number strategy; the node number strategy being a strategy of expanding the fund flow graph according to a preset node number, specifically including expanding the number of child nodes of each node in the fund flow graph to the preset node number and ending the expansion; the account type strategy being a strategy of expanding for different account types, specifically including ending the expansion when a public account is reached; the transaction amount strategy being a strategy of expanding for different transaction amounts, specifically including ending the expansion when the transaction amount is lower than a preset amount; and the transaction number strategy being a strategy of expanding for the number of transactions, specifically including expanding when the number of transactions exceeds a preset number.

2. The method of claim 1, wherein the obtaining, from the data platform to which the first account belongs, the first fund detail of the transfer from the first account to the second account comprises: sending a first query request to a first data platform to which the first account belongs, the first query request being used to query the first data platform for transfer details of the transfer of funds from the first account to the second account; receiving a first query result returned by the first data platform in response to the first query request, and taking the first query result as the first fund detail.

3. The method of claim 1, wherein the obtaining, from the data platform to which the first account belongs, the first fund detail of the transfer from the first account to the second account comprises: determining whether a second query request has been sent to a second data platform to which the first account belongs, the second query request being used to query the second data platform for transfer details of the transfer of funds from the first account to the second account; if yes, receiving a second query result returned by the second data platform in response to the second query request, and taking the second query result as the first fund detail; if no, sending the second query request to the second data platform.

4. The method of claim 1, wherein the expansion strategy further comprises a hierarchy strategy; and the hierarchy strategy is a strategy for expanding the fund flow diagram according to a preset hierarchy number.

5. The method of claim 4, The strategy of expanding the fund flow chart according to the preset level number specifically comprises: expanding the hierarchy number of the fund flow diagram to the preset hierarchy number, and ending the expansion.

6. The method of claim 1, further comprising: setting account information of the first account and / or account information of the second account on a connection line between the root node and a sub-node corresponding to the second account.

7. The method of claim 1, further comprising: setting corresponding node attribute information in the nodes in the fund flow diagram, so that a node with the set node attribute information is in a corresponding node state when receiving a user operation corresponding to the node attribute information.

8. The method of claim 1, said expanding the flow map according to a predetermined expansion strategy further comprising: expanding the fund flow diagram according to the obtained expansion information according to a preset expansion strategy; the expansion information includes at least one of transaction details or card details.

9. The method of claim 1, wherein the method is applied to a fund monitoring platform, and the target fund includes a case-related fund, and the data platform includes a financial institution.

10. The method of claim 9, further comprising: determining preliminary information of the case-related fund; the preliminary information includes account information of a first account and a second account to which the case-related fund is preliminarily related.

11. The method of claim 10, further comprising: obtaining account information, transaction information, and associated information of the case-related fund from a financial institution to which the first account belongs, to form a topology information list of the case-related fund.

12. The method of claim 11, further comprising: traversing the topology information list layer by layer, and converting a traversal result into a fund flow diagram.

13. The method of claim 9, further comprising: determining whether an information query request has been sent to the financial institution; if yes, expanding a fund flow diagram according to a query result returned by the financial institution after receiving the query result; if no, performing at least one of the following query steps: querying fund details of the case-related fund; querying bank card information of the case-related fund; querying related expansion information of the case-related fund.

14. A fund tracking device, comprising: a determination module configured to determine account information of a first account and account information of a second account corresponding to target fund; an acquisition module configured to, based on authorization of a data platform, acquire, from the data platform to which the first account belongs, first fund details transferred from the first account to the second account according to the account information of the first account and the account information of the second account, and acquire, from the data platform to which the second account belongs, second fund details transferred from the second account to other accounts; the first account is an account from which a victim transfers funds; the second account is a suspect account that receives the funds transferred by the victim; a topology module configured to establish a fund flow diagram according to the first fund details and the second fund details, wherein the first account is a root node of the fund flow diagram, the second account is a first-level sub-node of the fund flow diagram, and the other accounts are sub-nodes of the first-level sub-nodes. The topology module is further configured to expand the fund flow diagram according to a preset expansion strategy; the expansion strategy comprises at least one of a node number strategy, an account type strategy, a transaction amount strategy, and a transaction number strategy; the node number strategy is a strategy of expanding the fund flow diagram according to a preset node number, and specifically comprises: expanding the number of child nodes of each node in the fund flow diagram to the preset node number, and ending the expansion; the account type strategy is a strategy of expanding for different account types, and specifically comprises: ending the expansion when a public account is reached; the transaction amount strategy is a strategy of expanding for different transaction amounts, and specifically comprises: ending the expansion when the transaction amount is less than a preset amount; and the transaction number strategy is a strategy of expanding for the number of transactions, and specifically comprises: expanding when the number of transactions exceeds a preset number. 15.The apparatus of claim 14, wherein the obtaining the first fund details transferred from the first account to the second account comprises: sending a first query request to a first data platform to which the first account belongs, the first query request being configured to query the first data platform for transfer details of the first account transferring funds to the second account; receiving a first query result returned by the first data platform in response to the first query request, and taking the first query result as the first fund details. 16.The apparatus of claim 14, wherein the obtaining the first fund details transferred from the first account to the second account comprises: determining whether a second query request has been sent to a second data platform to which the first account belongs, the second query request being configured to query the second data platform for transfer details of the first account transferring funds to the second account; if yes, receiving a second query result returned by the second data platform in response to the second query request, and taking the second query result as the first fund details; if no, sending the second query request to the second data platform. 17.The apparatus of claim 14, wherein the expansion strategy further comprises a hierarchy strategy, and the hierarchy strategy is a strategy of expanding the fund flow diagram according to a preset hierarchy number. 18.The apparatus of claim 14, further comprising a first setting module configured to set account information of the first account and / or account information of the second account on a connection line between the root node and a sub-node corresponding to the second account. 19.The apparatus of claim 14, further comprising a second setting module configured to set corresponding node attribute information in the nodes in the fund flow diagram, so that a node on which the node attribute information is set is in a corresponding node state when receiving a user operation corresponding to the node attribute information. 20.An electronic device for tracking funds, comprising: at least one processor; and a memory connected to the at least one processor in communication; wherein The memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor to enable the at least one processor to: determine account information of a first account corresponding to the target fund and account information of a second account; according to the account information of the first account and the account information of the second account, based on authorization of a data platform, obtain, from the data platform to which the first account belongs, a first fund detail of a transfer from the first account to the second account, and obtain, from the data platform to which the second account belongs, a second fund detail of a transfer from the second account to other accounts; the first account is an account from which the victim transfers funds; the second account is a suspicious account that receives the funds transferred by the victim; establish a fund flow direction graph according to the first fund detail and the second fund detail, wherein the first account is a root node of the fund flow direction graph, the second account is a first-level child node of the fund flow direction graph, and the other accounts are child nodes of the corresponding first-level child nodes; expand the fund flow direction graph according to a preset expansion strategy; the expansion strategy includes at least one of a node number strategy, an account type strategy, a transaction amount strategy, and a transaction number strategy; the node number strategy is a strategy of expanding the fund flow direction graph according to a preset node number, and specifically includes expanding the number of child nodes of each node in the fund flow direction graph to the preset node number and ending the expansion; the account type strategy is a strategy of expanding for different account types, and specifically includes ending the expansion when a public account is reached; the transaction amount strategy is a strategy of expanding for different transaction amounts, and specifically includes ending the expansion when the transaction amount is less than a preset amount; and the transaction number strategy is a strategy of expanding for the number of transactions, and specifically includes expanding when the number of transactions exceeds a preset number.

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