Method and apparatus for processing account information

Abstract

The application discloses a kind of processing method and device of account information, it is related to financial information service technical field.The specific embodiment of the method includes: receiving risk investigation request, obtains at least one to be investigated account corresponding to the risk investigation request;Respectively, the loan information corresponding to each to-be-investigated account is obtained;According to the loan information corresponding to each to-be-investigated account, from the at least one to-be-investigated account, determine out risk account;Obtain the plurality of loan information corresponding to the risk account, and according to the loan information obtained, generate the processing request and risk information corresponding to the risk account;Determine out the center node corresponding to the risk account, and send the processing request to the center node;Receive the return information returned by the center node, according to the risk information processing according to the return information.This embodiment can better solve the problem of one person multi-loan.

Description

TECHNICAL FIELD

[0001] The present application relates to the field of financial information service, and in particular to a method and device for processing account information. BACKGROUND

[0002] More and more people choose to purchase houses by using housing accumulation fund loans. In the housing accumulation fund loan business, the problem of one person with multiple loans occasionally occurs. One person with multiple loans means that a borrower has two or more housing accumulation fund loans that have not been repaid. The borrower includes a main borrower and a joint borrower. The problem of one person with multiple loans seriously affects the normal operation of the housing accumulation fund loan business. Since different business systems are used by various housing accumulation fund centers at present, it is difficult to solve the problem of one person with multiple loans. SUMMARY

[0003] Therefore, embodiments of the present application provide a method and device for processing account information, which can better solve the problem of one person with multiple loans.

[0004] In a first aspect, a method for processing account information is provided, which includes:

[0005] receiving a risk investigation request, and obtaining at least one account to be investigated corresponding to the risk investigation request;

[0006] obtaining loan information corresponding to each of the accounts to be investigated;

[0007] determining a risk account from the at least one account to be investigated according to the loan information corresponding to each of the accounts to be investigated;

[0008] obtaining a plurality of loan information corresponding to the risk account, and generating a processing request and risk information corresponding to the risk account according to the obtained loan information;

[0009] determining a center node corresponding to the risk account, and sending the processing request to the center node;

[0010] receiving return information returned by the center node, and processing the risk information according to the return information.

[0011] Optionally, the determining of the risk account from the at least one account to be investigated according to the loan information corresponding to each of the accounts to be investigated includes:

[0012] determining a current account from the at least one account to be investigated;

[0013] determining whether there is loan information of the current account and with normal or overdue state information in each node according to the loan information corresponding to the current account;

[0014] The node containing loan information for the current account and with a status of normal or overdue is identified as the target node corresponding to the current account;

[0015] If the number of target nodes corresponding to the current account is greater than 1, the current account is identified as the risk account.

[0016] Optionally, determining the risk account from the at least one account to be investigated based on the loan information corresponding to each of the accounts to be investigated includes:

[0017] The current account is determined from the at least one account to be investigated;

[0018] Input the loan information corresponding to the current account into the risk assessment model;

[0019] Based on the output of the risk assessment model, determine whether the current account is a risky account.

[0020] Optionally, processing the risk information based on the returned information includes:

[0021] In response to the returned information indicating that the loan information of the risk account at the central node has been settled, it is determined whether the risk account meets the termination conditions;

[0022] In response to the risk account meeting the termination condition, the status information of the risk information is set to closed.

[0023] Optionally, processing the risk information based on the returned information includes:

[0024] In response to the returned information indicating that the risky account is a whitelisted account, the system receives review information regarding the returned information.

[0025] In response to the review information indicating that the review has passed, determine whether the risk account meets the termination conditions; if the risk account meets the termination conditions, set the status information of the risk information to closed;

[0026] In response to the verification information indicating that the verification failed, the verification information is sent to the central node.

[0027] Optionally, after determining whether the risk account meets the termination conditions, the method further includes:

[0028] In response to the risk account not meeting the termination condition, other nodes corresponding to the risk account are identified, and the processing request is sent to the other nodes;

[0029] Receive the return information from the other nodes, and process the risk information based on the return information.

[0030] Optionally, after receiving the return information from the central node, the method further includes:

[0031] In response to the returned information indicating that settlement processing is to be performed by other nodes, the processing request is sent to the other nodes.

[0032] Secondly, embodiments of the present invention provide an account information processing apparatus, comprising:

[0033] The request receiving module is used to receive risk investigation requests and obtain at least one account to be investigated corresponding to the risk investigation request;

[0034] The account determination module is used to obtain the loan information corresponding to each of the accounts to be investigated; and to determine the risk account from the at least one account to be investigated based on the loan information corresponding to each of the accounts to be investigated.

[0035] The request generation module is used to obtain multiple loan information corresponding to the risk account, and generate a processing request and risk information corresponding to the risk account based on the obtained loan information;

[0036] The request sending module is used to determine the central node corresponding to the risk account and send the processing request to the central node;

[0037] The processing module is used to receive the return information returned by the central node and process the risk information according to the return information.

[0038] Optionally, the account determination module is specifically used for:

[0039] The current account is determined from the at least one account to be investigated;

[0040] Based on the loan information corresponding to the current account, determine whether there is loan information in each node that matches the current account and has a status of normal or overdue.

[0041] The node containing loan information for the current account and with a status of normal or overdue is identified as the target node corresponding to the current account;

[0042] If the number of target nodes corresponding to the current account is greater than 1, the current account is identified as the risk account.

[0043] Optionally, the account determination module is specifically used for:

[0044] The current account is determined from the at least one account to be investigated;

[0045] Input the loan information corresponding to the current account into the risk assessment model;

[0046] Based on the output of the risk assessment model, determine whether the current account is a risky account.

[0047] Optionally, the processing module is specifically used for:

[0048] In response to the returned information indicating that the loan information of the risk account at the central node has been settled, it is determined whether the risk account meets the termination conditions;

[0049] In response to the risk account meeting the termination condition, the status information of the risk information is set to closed.

[0050] Optionally, the processing module is specifically used for:

[0051] In response to the returned information indicating that the risky account is a whitelisted account, the system receives review information regarding the returned information.

[0052] In response to the review information indicating that the review has passed, determine whether the risk account meets the termination conditions; if the risk account meets the termination conditions, set the status information of the risk information to closed;

[0053] In response to the verification information indicating that the verification failed, the verification information is sent to the central node.

[0054] Thirdly, embodiments of the present invention provide an electronic device, including:

[0055] One or more processors;

[0056] Storage device for storing one or more programs.

[0057] When the one or more programs are executed by the one or more processors, the one or more processors implement the method described in any of the above embodiments.

[0058] Fourthly, embodiments of the present invention provide a computer-readable medium having a computer program stored thereon, which, when executed by a processor, implements the methods described in any of the above embodiments.

[0059] Fifthly, embodiments of the present invention provide a computer program product, including a computer program that, when executed by a processor, implements the methods described in any of the above embodiments.

[0060] One embodiment of the above invention has the following advantages or beneficial effects: The solution of this embodiment is used to solve the risk problem caused by the same account having loans with multiple lending institutions. For example, in housing provident fund business, based on the loan information corresponding to the account to be investigated, a risk account with the risk of multiple loans to one person is obtained, a corresponding processing request and risk information are generated, and the processing request is sent to the central node. The risk account has outstanding loan information in multiple target housing provident fund centers. The central node is any one of the multiple target housing provident fund centers. The central node is used to clear the risk account in the processing request and return information. Risk processing is carried out on the risk account based on the returned information. The solution of this embodiment can effectively solve the problem of multiple loans to one person in housing provident fund business through information interaction with the housing provident fund center.

[0061] The further effects of the aforementioned unconventional alternative methods will be explained below in conjunction with specific implementation methods. Attached Figure Description

[0062] The accompanying drawings are provided to better understand the invention and are not intended to unduly limit the scope of the invention. Wherein:

[0063] Figure 1 This is an exemplary system architecture diagram in which embodiments of the present invention can be applied;

[0064] Figure 2 This is a flowchart illustrating an account information processing method provided in the first embodiment of the present invention;

[0065] Figure 3 This is a flowchart illustrating a method for processing account information provided in the second embodiment of the present invention;

[0066] Figure 4 This is a flowchart illustrating an information sending method provided in the third embodiment of the present invention;

[0067] Figure 5 This is a schematic diagram of the structure of an account information processing device provided in an embodiment of the present invention;

[0068] Figure 6 This is a schematic diagram of the structure of a computer system suitable for implementing terminal devices or servers of the present invention. Detailed Implementation

[0069] The following description, in conjunction with the accompanying drawings, illustrates exemplary embodiments of the present invention, including various details to aid understanding. These details should be considered merely exemplary. Therefore, those skilled in the art will recognize that various changes and modifications can be made to the embodiments described herein without departing from the scope and spirit of the invention. Similarly, for clarity and brevity, descriptions of well-known functions and structures are omitted in the following description.

[0070] It should be noted that the collection, analysis, use, transmission, and storage of user personal information involved in the technical solution of this invention all comply with relevant laws and regulations, are used for legitimate and reasonable purposes, and are not shared, disclosed, or sold outside of these legitimate uses, and are subject to supervision and management by regulatory authorities. Necessary measures should be taken to prevent unauthorized access to such personal information data, ensure that personnel authorized to access personal information data comply with relevant laws and regulations, and ensure the security of user personal information. Once this user personal information data is no longer needed, the risk should be minimized by restricting or even prohibiting data collection and / or deleting the data.

[0071] Figure 1 An exemplary system architecture 100 is shown that can be applied to the index determination method or index determination apparatus of the present invention.

[0072] like Figure 1 As shown, system architecture 100 may include servers 101, 102, 103, and 104, and network 105. Network 105 is used as a medium to provide communication links between servers 101, 102, 103, and 104. Network 105 may include various connection types, such as wired or wireless communication links, or fiber optic cables, etc.

[0073] A monitoring service platform is deployed on server 101. This platform is used to monitor and resolve issues related to multiple loans to a single borrower in the loan business. Different lending institutions' systems are deployed on servers 102, 103, and 104, respectively. Servers 102, 103, and 104 interact with server 101 via network 105 to receive or send messages, etc.

[0074] Server 101 receives a risk assessment request, identifies a risky account, and determines that the risky account has outstanding loan information with multiple lending institutions. Based on the loan information of the risky account with each lending institution, it generates a processing request and risk information corresponding to the risky account, and sends the processing request to servers 102, 103, or 104. Servers 102, 103, or 104 process the processing request accordingly, generate and send return information to server 101. Server 101 receives the return information and processes the risk information accordingly. It should be noted that the account information processing method provided in this embodiment of the invention is generally executed by server 101.

[0075] It should be understood that Figure 1 The number of networks and servers shown is merely illustrative. Depending on implementation needs, there can be any number of networks and servers.

[0076] Figure 2 This is a flowchart illustrating an account information processing method provided in the first embodiment of the present invention, as shown below. Figure 2 As shown, the method includes:

[0077] Step 201: Receive a risk screening request and obtain at least one account to be screened corresponding to the risk screening request.

[0078] This method is applied to a monitoring service platform. Risk screening requests are used to identify accounts that pose a risk due to loan information existing with multiple lending institutions, such as accounts with multiple loans to the same person. A risk screening request can include at least one account to be screened. The accounts to be screened in the risk screening request can be set according to requirements, such as setting all loan accounts in a city as accounts to be screened, or setting newly added loan accounts in a city within a preset time range as accounts to be screened.

[0079] Step 202: Obtain the loan information corresponding to each account to be investigated; based on the loan information corresponding to each account to be investigated, identify the risk account from at least one account to be investigated.

[0080] Risk accounts can be identified from at least one account to be investigated in the following way: Identify the current account from at least one account to be investigated; based on the loan information corresponding to the current account, determine whether there is loan information in each node that matches the current account and has a status of normal or overdue; identify the node that matches the current account and has a status of normal or overdue as the target node corresponding to the current account; in response to the number of target nodes corresponding to the current account being greater than 1, identify the current account as a risk account.

[0081] In the case of housing provident fund business, it is determined whether there is loan information in each housing provident fund center that is the current account and whose status is normal or overdue; the housing provident fund center with the current account and the status of loan information that is normal or overdue is identified as the target housing provident fund center corresponding to the current account; in response to the number of target housing provident fund centers corresponding to the current account being greater than 1, the current account is identified as a risk account.

[0082] Account information includes: primary borrower's account and co-borrower's account. It is necessary to determine whether there are loan records in each housing provident fund center where the account information is the current account and the status is normal or overdue, including: determining whether there are loan records in each housing provident fund center where the primary borrower's account is the current account and the status is normal or overdue, or where the co-borrower's account is the current account and the status is normal or overdue.

[0083] In one embodiment of the present invention, determining a risk account includes: identifying the current account from at least one account to be investigated; inputting the loan information corresponding to the current account into a risk assessment model; and determining whether the current account is a risk account based on the output of the risk assessment model.

[0084] The risk assessment model is used to determine whether an account is at risk. The output of the risk assessment model can be yes or no, or it can be a risk value. If the risk value is greater than the risk threshold, it indicates that the current account has a high risk and further processing is required.

[0085] If no risky account is found among at least one of the accounts to be investigated, the investigation process ends. If at least one risky account is found among at least one of the accounts to be investigated, steps 203-205 are executed for each risky account to resolve the risk issue of multiple loan records for the same account.

[0086] Step 203: Obtain multiple loan information corresponding to the risk account, and generate processing requests and risk information corresponding to the risk account based on the obtained loan information.

[0087] The processing request may include account information for the risky account and its loan information across various lending institutions. The central node is the system of any lending institution where the risky account's loan information exists. The central node can process the risky account's loan information at the central node based on the processing request. For example, in housing provident fund transactions, the processing request may include account information for the risky account and its loan information across various target housing provident funds. The central node is any housing provident fund center where the risky account's loan information exists.

[0088] Risk information may include account information of the risk account, loan information of the risk account with various lending institutions, and status information. After generating the risk information for a risk account, the status information in that risk information is set to a risk status.

[0089] Step 204: Identify the central node corresponding to the risk account and send the processing request to the central node.

[0090] Nodes correspond to the systems of lending institutions. A central node can be any system of any lending institution. For example, in housing provident fund business, if a risk account has loan information with status information of normal or overdue in multiple target housing provident fund centers, the central node can be the target housing provident fund center with the last loan disbursement time, the target housing provident fund center with the largest loan amount, or any one of multiple target housing provident fund centers.

[0091] Step 205: Receive the return information from the central node and process the risk information based on the return information.

[0092] The risk information is processed based on the returned information, including: setting the status of the risk information to closed if the risk account meets the closure conditions; and sending the processing request to other target provident fund centers if the risk account does not meet the closure conditions.

[0093] In this embodiment of the invention, risky accounts are identified based on the loan information corresponding to each account to be investigated, a processing request and risk information corresponding to the risky account are generated, and the processing request is sent to the central node of the risky account. The risk information is processed based on the information returned by the central node to resolve the risk problem caused by the account having loans from multiple lending institutions.

[0094] For housing provident fund business, the monitoring service platform identifies risky accounts with the risk of multiple loans to one person, generates corresponding processing requests and risk information, and sends the processing requests to the central node. The risky account has outstanding loan information in multiple target housing provident fund centers. The central node can be the target housing provident fund center with the last loan disbursement date, or any one of the multiple target housing provident fund centers. The central node performs liquidation processing on the account in the processing request and returns information. The monitoring service platform then performs risk management on the risky account based on the returned information. This embodiment of the invention, through information interaction between the monitoring service platform and the housing provident fund center, can effectively solve the problem of multiple loans to one person in housing provident fund business.

[0095] Figure 3 This is a flowchart illustrating a method for processing account information provided in the second embodiment of the present invention, as shown below. Figure 3 As shown, the method includes:

[0096] Step 301: Receive a risk screening request and obtain at least one account to be screened corresponding to the risk screening request.

[0097] Step 302: Based on the loan information corresponding to each of the accounts to be investigated, identify the risky accounts from at least one of the accounts to be investigated.

[0098] Step 303: Obtain multiple loan information corresponding to the risk account, and generate a processing request and risk information corresponding to the risk account based on the obtained loan information.

[0099] Step 304: Determine the central node corresponding to the risk account and send the processing request to the central node.

[0100] For housing provident fund business, the risk account has outstanding loan information in multiple target housing provident fund centers. The process involves obtaining the loan information of the risk account in multiple target housing provident fund centers, and generating a processing request and risk information corresponding to the risk account based on the obtained loan information. A central node is then identified from the multiple target housing provident fund centers, and the processing request is sent to the central node.

[0101] Step 305: Determine whether the returned information indicates whether the loan information of the risk account at the central node has been settled.

[0102] If the returned information indicates that the loan information of the risk account at the central node has been settled, proceed to step 306.

[0103] Step 306: Determine whether the risk account meets the termination criteria.

[0104] Termination conditions can be set according to specific needs. For example, if the risk value of a risk account is determined, the termination condition is that the risk value is less than the risk threshold. For housing provident fund business, termination conditions are used to indicate that at most one outstanding loan is retained under the same account (including being the primary borrower and co-borrower), the risk account has loan information with a status of normal or overdue in at most one target housing provident fund, and the risk account is a whitelist account, etc.

[0105] If the risk account meets the termination criteria, proceed to step 307. Otherwise, repeat step 304.

[0106] If a risk account has loan information in more than two target housing provident fund centers, and the loan information of the risk account at the central node has been settled, the risk account may still have the problem of multiple loans for one person. Therefore, step 304 is executed again to select other nodes from the target housing provident fund centers other than the central node, and these other nodes are used as new central nodes.

[0107] Step 307: Set the status of the risk information to off.

[0108] When the risk information status is set to "off", it indicates that the risk account has loan information with a status of "normal" or "overdue" in at most one target provident fund, and the processing procedure for the risk account is completed.

[0109] Step 308: In response to the returned information indicating that the risky account is a whitelisted account, receive the review information for the returned information.

[0110] Whitelist accounts are used to resolve special circumstances such as legacy issues. For example, before the system integration or the National Government Service Platform allows for inquiries about borrowers' outstanding loans, issues such as multiple loans taken out by one person due to the inability to verify cross-regional housing provident fund loans may arise. If a risk account is a whitelist account, there is no need to process the loan information of the risk account at the central node.

[0111] Step 309: Determine whether the review information indicates that the review has passed.

[0112] It can accept input operations for the returned information and determine the review information based on the input operations. It can also input the account information of risky accounts into the review engine and determine the output of the review engine as the review information.

[0113] If the review information characterization passes the review, proceed to step 306. If the review information characterization fails the review, proceed to step 310.

[0114] Step 310: Send the verification information to the central node.

[0115] If the review information indicates that the review has failed, the review information will be sent to the central node so that the central node can process the loan information of the risk account accordingly based on the review information.

[0116] Step 311: In response to the returned information indicating that the settlement process is to be performed by other nodes, send the processing request to other nodes.

[0117] If the returned information indicates that the settlement process was handled by another center, that other center will be designated as the new center node, and the processing request will be sent to that other center so that it can process the loan information of the risk account accordingly.

[0118] In this embodiment of the invention, the risk information of risky accounts is processed accordingly by utilizing different return information from the central node. The system automatically reviews the risk information of risky accounts, and the system automatically allocates and transfers tasks, reducing manual operations and communication across provident fund centers, and improving the efficiency and automation of rectification.

[0119] Figure 4This is a flowchart illustrating an information sending method provided in the third embodiment of the present invention, as shown below. Figure 4 As shown, the method includes:

[0120] Step 401: Receive processing request.

[0121] This method is applied to various lending institutions, such as local housing provident fund centers. Processing requests originate from a monitoring service platform. These requests may include account information for the risky account and its loan information within each target provident fund. The provident fund center can then process the risky account's loan information within that center based on the processing request.

[0122] The regulatory service platform sends the processing request to a central node, which is a housing provident fund center among the outstanding loan information for accounts with risks. Upon receiving a processing request, the central node can view all loan details under that account. The processing request may include: center name, borrower name, borrower's evidence type, borrower's identification number, borrower's housing provident fund account number, number of outstanding loans, loan contract number, loan disbursement date, loan amount, loan balance, and loan status.

[0123] Step 402: Based on the processing request, identify the risk account and multiple target lending institutions. The risk account has outstanding loan information in multiple target lending institutions.

[0124] Step 403: Receive intent information from risky accounts.

[0125] For loan information that is not a legacy issue, it is necessary to communicate with the client to confirm which centers' loan information should be retained and to confirm the processing plan for loans at those centers. If it is determined that loans at a center should be retained, no further processing is required at that center. The system will automatically transfer the risk of multiple loans to one person to other centers, which will then process the loans according to the client's wishes.

[0126] When a customer chooses not to retain loans from the central node, the central node obtains the loan settlement information for the risk account. After the loan settlement information indicates that the account has settled the loan, the target center uploads the data to the data platform. After the monitoring service platform detects the updated data, it automatically verifies whether the risk account meets the closure conditions. Once the verification is passed, the risk information status of the account changes to closed.

[0127] It can receive input requests for intent information regarding risk accounts, and determine the intent information for the risk account based on the input. This intent information is used to select a settlement center from multiple target provident fund centers corresponding to the risk account. The settlement center then processes the loan information of the risk account at that settlement center. The settlement center can be a central node or another target provident fund center besides a central node.

[0128] Step 404: Based on the intent information, generate and send the response information for the processing request.

[0129] In response to the intention information indicating that the current center will handle the settlement, the loan information of the risk account in the current center will be settled, and a return message indicating that the loan information has been settled will be generated and sent. In response to the intention information indicating that the settlement will be handled by other centers, a return message indicating that the settlement will be handled by other centers will be generated and sent. Among them, other centers are one of multiple target provident fund centers.

[0130] In this embodiment of the invention, the method is applied to a housing provident fund center. Upon receiving a processing request for a risky account, the center processes the risky account's loan information within the center based on the account's intended information and returns the processing information. Through information exchange between the monitoring service platform and the housing provident fund center, the problem of multiple loans for one person in housing provident fund transactions can be effectively resolved.

[0131] A central node responsibility system was adopted, in which identified risks were distributed to a central node, which was responsible for clarifying the intention information of risky accounts and uploading the intention information to the regulatory service platform. Further processing was carried out based on the intention information uploaded by the central node. This eliminated the need for different provident fund centers to contact customers separately, which reduced the disturbance to customers, improved the efficiency of risk rectification, and reduced the risks caused by the inability of provident fund centers to share data.

[0132] In one embodiment of the present invention, before receiving the intention information of a risky account, the method further includes: determining whether the account information of the risky account meets the whitelist conditions; and in response to the account information of the risky account meeting the whitelist conditions, generating and sending return information indicating that the risky account is a whitelisted account.

[0133] Whitelisted accounts are used to resolve special cases such as legacy issues. After receiving a processing request, the central node and other housing provident fund centers identify whether the account's loan information pertains to a legacy issue. If so, they send a response indicating that the account is a whitelisted account. Once the regulatory service platform verifies and approves the request, it sets the risk information status of the account to "closed" if the risk account meets the termination criteria. If subsequent loans related to legacy issues are settled, the system automatically changes the account's risk information status to "risk."

[0134] Figure 5 This is a schematic diagram of the structure of an account information processing device provided in one embodiment of the present invention, as shown below. Figure 5 As shown, the device includes:

[0135] The request receiving module 501 is used to receive risk investigation requests and obtain at least one account to be investigated corresponding to the risk investigation request;

[0136] The account determination module 502 is used to obtain the loan information corresponding to each of the accounts to be investigated; and to determine the risk account from the at least one account to be investigated based on the loan information corresponding to each of the accounts to be investigated.

[0137] The request generation module 503 is used to obtain multiple loan information corresponding to the risk account, and generate a processing request and risk information corresponding to the risk account based on the obtained loan information;

[0138] The request sending module 504 is used to determine the central node corresponding to the risk account and send the processing request to the central node;

[0139] The processing module 505 is used to receive the return information returned by the central node and process the risk information according to the return information.

[0140] Optionally, the account determination module 502 is specifically used for:

[0141] The current account is determined from the at least one account to be investigated;

[0142] Based on the loan information corresponding to the current account, determine whether there is loan information in each node that matches the current account and has a status of normal or overdue.

[0143] The node containing loan information for the current account and with a status of normal or overdue is identified as the target node corresponding to the current account;

[0144] If the number of target nodes corresponding to the current account is greater than 1, the current account is identified as the risk account.

[0145] Optionally, the account determination module 502 is specifically used for:

[0146] The current account is determined from the at least one account to be investigated;

[0147] Input the loan information corresponding to the current account into the risk assessment model;

[0148] Based on the output of the risk assessment model, determine whether the current account is a risky account.

[0149] Optionally, the processing module 505 is specifically used for:

[0150] In response to the returned information indicating that the loan information of the risk account at the central node has been settled, it is determined whether the risk account meets the termination conditions;

[0151] In response to the risk account meeting the termination condition, the status information of the risk information is set to closed.

[0152] Optionally, the processing module 505 is specifically used for:

[0153] In response to the returned information indicating that the risky account is a whitelisted account, the system receives review information regarding the returned information.

[0154] In response to the review information indicating that the review has passed, determine whether the risk account meets the termination conditions; if the risk account meets the termination conditions, set the status information of the risk information to closed;

[0155] In response to the verification information indicating that the verification failed, the verification information is sent to the central node.

[0156] Optionally, the processing module 505 is further configured to:

[0157] In response to the risk account not meeting the termination condition, other nodes corresponding to the risk account are identified, and the processing request is sent to the other nodes;

[0158] Receive the return information from the other nodes, and process the risk information based on the return information.

[0159] Optionally, the processing module 505 is further configured to:

[0160] In response to the returned information indicating that settlement processing is to be performed by other nodes, the processing request is sent to the other nodes.

[0161] This invention provides an electronic device, comprising:

[0162] One or more processors;

[0163] Storage device for storing one or more programs.

[0164] When one or more programs are executed by one or more processors, the one or more processors implement the methods of any of the above embodiments.

[0165] This invention provides a computer program product, including a computer program that, when executed by a processor, implements the enterprise risk assessment method of this invention.

[0166] The following is for reference. Figure 6It shows a schematic diagram of the structure of a computer system 600 suitable for implementing a terminal device of the present invention. Figure 6 The terminal device shown is merely an example and should not impose any limitations on the functionality and scope of use of the embodiments of the present invention.

[0167] like Figure 6 As shown, the computer system 600 includes a central processing unit (CPU) 601, which can perform various appropriate actions and processes based on programs stored in read-only memory (ROM) 602 or programs loaded from storage section 608 into random access memory (RAM) 603. The RAM 603 also stores various programs and data required for the operation of the system 600. The CPU 601, ROM 602, and RAM 603 are interconnected via a bus 604. An input / output (I / O) interface 605 is also connected to the bus 604.

[0168] The following components are connected to I / O interface 605: an input section 606 including a keyboard, mouse, etc.; an output section 607 including a cathode ray tube (CRT), liquid crystal display (LCD), etc., and speakers, etc.; a storage section 608 including a hard disk, etc.; and a communication section 609 including a network interface card such as a LAN card, modem, etc. The communication section 609 performs communication processing via a network such as the Internet. A drive 610 is also connected to I / O interface 605 as needed. A removable medium 611, such as a disk, optical disk, magneto-optical disk, semiconductor memory, etc., is installed on drive 610 as needed so that computer programs read from it can be installed into storage section 608 as needed.

[0169] In particular, according to the embodiments disclosed in this invention, the processes described above with reference to the flowcharts can be implemented as computer software programs. For example, embodiments disclosed in this invention include a computer program product comprising a computer program carried on a computer-readable medium, the computer program containing program code for performing the methods shown in the flowcharts. In such embodiments, the computer program can be downloaded and installed from a network via communication section 609, and / or installed from removable medium 611. When the computer program is executed by central processing unit (CPU) 601, it performs the functions defined above in the system of this invention.

[0170] It should be noted that the computer-readable medium shown in this invention can be a computer-readable signal medium or a computer-readable storage medium, or any combination thereof. A computer-readable storage medium can be, for example,—but not limited to—an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination thereof. More specific examples of a computer-readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer disk, a hard disk, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), optical fiber, portable compact disk read-only memory (CD-ROM), optical storage device, magnetic storage device, or any suitable combination thereof. In this invention, a computer-readable storage medium can be any tangible medium containing or storing a program that can be used by or in conjunction with an instruction execution system, apparatus, or device. In this invention, a computer-readable signal medium can include a data signal propagated in baseband or as part of a carrier wave, carrying computer-readable program code. Such propagated data signals can take various forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination thereof. Computer-readable signal media can also be any computer-readable medium other than computer-readable storage media, which can send, propagate, or transmit a program for use by or in connection with an instruction execution system, apparatus, or device. The program code contained on the computer-readable medium can be transmitted using any suitable medium, including but not limited to: wireless, wire, optical fiber, RF, etc., or any suitable combination thereof.

[0171] The flowcharts and block diagrams in the accompanying drawings illustrate the architecture, functionality, and operation of possible implementations of systems, methods, and computer program products according to various embodiments of the present invention. In this regard, each block in a flowchart or block diagram may represent a module, segment, or portion of code containing one or more executable instructions for implementing a specified logical function. It should also be noted that in some alternative implementations, the functions indicated in the blocks may occur in a different order than those indicated in the drawings. For example, two consecutively indicated blocks may actually be executed substantially in parallel, and they may sometimes be executed in reverse order, depending on the functions involved. It should also be noted that each block in a block diagram or flowchart, and combinations of blocks in a block diagram or flowchart, may be implemented using a dedicated hardware-based system that performs the specified function or operation, or using a combination of dedicated hardware and computer instructions.

[0172] The modules described in the embodiments of the present invention can be implemented in software or hardware. The described modules can also be housed in a processor, and for example, can be described as: a request receiving module, an account determination module, a request generation module, and a request sending module. The names of these modules do not necessarily limit the module itself; for example, the request receiving module can also be described as "a module that receives risk screening requests and obtains at least one account to be screened corresponding to the risk screening request."

[0173] In another aspect, the present invention also provides a computer-readable medium, which may be included in the device described in the above embodiments; or it may exist independently and not assembled into the device. The computer-readable medium carries one or more programs, which, when executed by the device, cause the device to include:

[0174] Receive a risk assessment request and obtain at least one account to be assessed corresponding to the risk assessment request;

[0175] Obtain the loan information corresponding to each of the accounts to be investigated;

[0176] Based on the loan information corresponding to each of the accounts to be investigated, risk accounts are identified from the at least one account to be investigated.

[0177] Obtain multiple loan information corresponding to the risk account, and generate a processing request and risk information corresponding to the risk account based on the obtained loan information;

[0178] Identify the central node corresponding to the risk account and send the processing request to the central node;

[0179] Receive the return information from the central node, and process the risk information based on the return information.

[0180] The technical solution of this invention can solve the risk problem caused by an account having loans with multiple lending institutions. For example, in housing provident fund business, based on the loan information corresponding to the account to be investigated, risky accounts with the risk of multiple loans to one person are obtained, a corresponding processing request and risk information are generated, and the processing request is sent to the central node. The risky account has outstanding loan information in multiple target housing provident fund centers. The central node is any one of the multiple target housing provident fund centers, used to clear the risky account in the processing request and return information. Risk processing is carried out on the target account based on the returned information. The solution of this invention, through information interaction with the housing provident fund center, can effectively solve the problem of multiple loans to one person in housing provident fund business.

[0181] The specific embodiments described above do not constitute a limitation on the scope of protection of this invention. Those skilled in the art should understand that various modifications, combinations, sub-combinations, and substitutions can occur depending on design requirements and other factors. Any modifications, equivalent substitutions, and improvements made within the spirit and principles of this invention should be included within the scope of protection of this invention.

Claims

1. A method for processing account information, characterized in that, include: Receive a risk assessment request and obtain at least one account to be assessed corresponding to the risk assessment request; Obtain the loan information corresponding to each of the accounts to be investigated; Based on the loan information corresponding to each of the accounts to be investigated, risk accounts are identified from the at least one account to be investigated. Obtain multiple loan information corresponding to the risk account, and generate a processing request and risk information corresponding to the risk account based on the obtained loan information; Identify the central node corresponding to the risk account and send the processing request to the central node; Receive the return information returned by the central node, and process the risk information according to the return information; The step of processing the risk information based on the returned information includes: In response to the returned information indicating that the loan information of the risk account at the central node has been settled, it is determined whether the risk account meets the termination conditions; In response to the risk account meeting the termination condition, the status information of the risk information is set to closed; In response to the returned information indicating that the risky account is a whitelisted account, the system receives review information regarding the returned information. In response to the review information indicating that the review has passed, determine whether the risk account meets the termination conditions; if the risk account meets the termination conditions, set the status information of the risk information to closed; In response to the verification information indicating that the verification failed, the verification information is sent to the central node.

2. The method according to claim 1, characterized in that, The step of identifying risky accounts from the at least one account to be investigated based on the loan information corresponding to each of the accounts to be investigated includes: The current account is determined from the at least one account to be investigated; Based on the loan information corresponding to the current account, determine whether there is any loan information in each node that corresponds to the current account and has a status of normal or overdue. The node containing loan information for the current account and with a status of normal or overdue is identified as the target node corresponding to the current account; If the number of target nodes corresponding to the current account is greater than 1, the current account is identified as the risk account.

3. The method according to claim 1, characterized in that, The step of identifying risky accounts from the at least one account to be investigated based on the loan information corresponding to each of the accounts to be investigated includes: The current account is determined from the at least one account to be investigated; Input the loan information corresponding to the current account into the risk assessment model; Based on the output of the risk assessment model, determine whether the current account is a risky account.

4. The method according to claim 1, characterized in that, After determining whether the risk account meets the termination conditions, the process also includes: In response to the risk account not meeting the termination condition, other nodes corresponding to the risk account are identified, and the processing request is sent to the other nodes; Receive the return information from the other nodes, and process the risk information based on the return information.

5. The method according to claim 1, characterized in that, After receiving the return information from the central node, the process further includes: In response to the returned information indicating that settlement processing is to be performed by other nodes, the processing request is sent to the other nodes.

6. An account information processing device, characterized in that, include: The request receiving module is used to receive risk investigation requests and obtain at least one account to be investigated corresponding to the risk investigation request; The account identification module is used to obtain the loan information corresponding to each of the accounts to be investigated. Based on the loan information corresponding to each of the accounts to be investigated, risk accounts are identified from the at least one account to be investigated. The request generation module is used to obtain multiple loan information corresponding to the risk account, and generate a processing request and risk information corresponding to the risk account based on the obtained loan information; The request sending module is used to determine the central node corresponding to the risk account and send the processing request to the central node; The processing module is used to receive the return information returned by the central node and process the risk information according to the return information; The processing module is specifically used to: in response to the returned information indicating that the loan information of the risk account at the central node has been settled, determine whether the risk account meets the termination conditions; In response to the risk account meeting the termination condition, the status information of the risk information is set to closed; In response to the returned information indicating that the risky account is a whitelisted account, the system receives review information regarding the returned information. In response to the review information indicating that the review has passed, it is determined whether the risk account meets the termination conditions; If the risk account meets the termination conditions, the status information of the risk information will be set to closed; In response to the verification information indicating that the verification failed, the verification information is sent to the central node.

7. The apparatus according to claim 6, characterized in that, The account determination module is specifically used for: The current account is determined from the at least one account to be investigated; Based on the loan information corresponding to the current account, determine whether there is any loan information in each node that corresponds to the current account and has a status of normal or overdue. The node containing loan information for the current account and with a status of normal or overdue is identified as the target node corresponding to the current account; If the number of target nodes corresponding to the current account is greater than 1, the current account is identified as the risk account.

8. The apparatus according to claim 6, characterized in that, The account determination module is specifically used for: The current account is determined from the at least one account to be investigated; Input the loan information corresponding to the current account into the risk assessment model; Based on the output of the risk assessment model, determine whether the current account is a risky account.

9. An electronic device, characterized in that, include: One or more processors; Storage device for storing one or more programs. When the one or more programs are executed by the one or more processors, the one or more processors implement the method as described in any one of claims 1-5.

10. A computer-readable medium having a computer program stored thereon, characterized in that... When the program is executed by the processor, it implements the method as described in any one of claims 1-5.

11. A computer program product, comprising a computer program, characterized in that, When the computer program is executed by a processor, it implements the method as described in any one of claims 1-5.

Images