A data processing method and apparatus

Abstract

The application discloses a data processing method and device, and relates to the technical field of data processing. A specific implementation manner of the method comprises the following steps: in response to reaching a preset time point, traversing each network tree to obtain all account information registered under each network tree according to the number of each network tree; determining a subscription product identifier corresponding to the number, and obtaining transaction records of each subscription product in a preset historical time period according to the subscription product identifier; querying account information of transaction parties in each transaction record, screening target transaction records in which the account information of the transaction parties exists in all account information, and extracting transaction analysis features of the target transaction records; and constructing a transaction network graph of different account information using each subscription product according to the transaction analysis features, so as to obtain a transaction network graph of each network tree using each subscription product. The implementation manner solves the problem that transaction features are not obvious in the prior art by using the transaction network graph.

Description

Technical Field

[0001] This invention relates to the field of data processing technology, and in particular to a data processing method and apparatus. Background Technology

[0002] The traditional process for group clients to build a cash management service network involves establishing a network tree, registering accounts, signing contracts for relevant products under the network tree, and completing product parameter configuration. Networks built by large group clients are typically very complex, with subsidiaries building their own networks, while the headquarters usually relies on its treasury department or finance company to build the entire group's network.

[0003] However, the existing cash management service network is built for large corporate clients and has the problem of unclear transaction characteristics. Querying transactions requires traversing all transaction records, which is time-consuming and makes it impossible to meet the comprehensive service needs of large corporations. Summary of the Invention

[0004] In view of this, embodiments of the present invention provide a data processing method and apparatus that, by constructing a panoramic transaction network map of a group company, can at least solve the problem of unclear transaction characteristics in the prior art, thereby meeting the comprehensive service needs of large groups.

[0005] To achieve the above objectives, according to one aspect of the present invention, a data processing method is provided, comprising:

[0006] In response to reaching a preset time point, each network tree is traversed to obtain all account information registered under each network tree according to the number of each network tree;

[0007] Determine the contracted product identifier corresponding to the number, and obtain the transaction records of each contracted product in a preset historical time period based on the contracted product identifier;

[0008] Query the account information of both parties in each transaction record, filter the target transaction records in which the account information of both parties exists in all the account information, and extract the transaction analysis features of the target transaction records;

[0009] Based on the transaction analysis characteristics, a transaction network graph of each contracted product using different account information is constructed, thereby obtaining a transaction network graph of each network tree using each contracted product.

[0010] Optionally, after obtaining all account information registered under each network tree and before determining the contracted product identifier corresponding to the number, the method further includes:

[0011] Determine the customer information corresponding to each account information to obtain the customer information set corresponding to each network tree, and count the number of customer information in the customer information set;

[0012] In response to the number being greater than or equal to a preset number, each network tree is determined to be a target network tree to be processed.

[0013] Optionally, the method further includes:

[0014] The basic information of each network tree, customer information, all account information, and transaction records of the contracted products are pushed to the data warehouse so that the data warehouse can perform the steps of querying account information, filtering target transaction records, extracting transaction analysis features, and constructing a transaction network graph.

[0015] Optionally, the root node of the network tree is the main account, and all account information includes main account information and sub-account information;

[0016] The step of constructing a transaction network graph of each contracted product using different account information based on the transaction analysis characteristics includes:

[0017] Based on the transaction analysis characteristics, a transaction network graph is constructed between the main account and different sub-accounts using each of the contracted products, as well as a transaction network graph between different sub-accounts using each of the contracted products.

[0018] Optionally, the method further includes:

[0019] Determine the primary customer information corresponding to the primary account and the sub-customer information corresponding to each sub-account;

[0020] According to the hierarchical relationship between the main account and sub-accounts, and between different sub-accounts, the main customer information and sub-customer information are arranged to obtain the customer information hierarchical relationship diagram corresponding to each network tree.

[0021] Optionally, after obtaining the transaction network graph of each network tree using each contracted product, the method further includes:

[0022] Each network tree uses the transaction network graph of each contracted product to push to a preset channel, so that when the preset channel receives an information query request, it can query and display the corresponding transaction network graph based on the customer tree number and product identifier in the information query request.

[0023] To achieve the above objectives, according to another aspect of the present invention, a data processing apparatus is provided, comprising:

[0024] The traversal module is used to traverse each network tree in response to reaching a preset time point, so as to obtain all account information registered under each network tree according to the number of each network tree;

[0025] The determination module is used to determine the contracted product identifier corresponding to the number, and obtain the transaction records of each contracted product in a preset historical time period based on the contracted product identifier;

[0026] The extraction module is used to query the account information of both parties in each transaction record, filter the target transaction records in which the account information of both parties exists in all the account information, and extract the transaction analysis features of the target transaction records.

[0027] The construction module is used to construct a transaction network graph of different account information using each contracted product based on the transaction analysis characteristics, thereby obtaining the transaction network graph of each network tree using each contracted product.

[0028] Optionally, the device further includes a screening module for:

[0029] Determine the customer information corresponding to each account information to obtain the customer information set corresponding to each network tree, and count the number of customer information in the customer information set;

[0030] In response to the number being greater than or equal to a preset number, each network tree is determined to be a target network tree to be processed.

[0031] Optionally, the device further includes a pushing module for:

[0032] The basic information of each network tree, customer information, all account information, and transaction records of the contracted products are pushed to the data warehouse so that the data warehouse can perform the steps of querying account information, filtering target transaction records, extracting transaction analysis features, and constructing a transaction network graph.

[0033] Optionally, the root node of the network tree is the main account, and all account information includes main account information and sub-account information;

[0034] The building module is used for:

[0035] Based on the transaction analysis characteristics, a transaction network graph is constructed between the main account and different sub-accounts using each of the contracted products, as well as a transaction network graph between different sub-accounts using each of the contracted products.

[0036] Optionally, the device further includes a hierarchy construction module, used for:

[0037] Determine the primary customer information corresponding to the primary account and the sub-customer information corresponding to each sub-account;

[0038] According to the hierarchical relationship between the main account and sub-accounts, and between different sub-accounts, the main customer information and sub-customer information are arranged to obtain the customer information hierarchical relationship diagram corresponding to each network tree.

[0039] Optionally, the device further includes a query module for:

[0040] Each network tree uses the transaction network graph of each contracted product to push to a preset channel, so that when the preset channel receives an information query request, it can query and display the corresponding transaction network graph based on the customer tree number and product identifier in the information query request.

[0041] To achieve the above objectives, according to another aspect of the present invention, a data processing electronic device is provided.

[0042] An electronic device according to an embodiment of the present invention includes: one or more processors; and a storage device for storing one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors implement any of the data processing methods described above.

[0043] To achieve the above objectives, according to another aspect of the present invention, a computer-readable medium is provided having a computer program stored thereon, which, when executed by a processor, implements any of the data processing methods described above.

[0044] To achieve the above objectives, according to another aspect of the present invention, a computing program product is provided. One computing program product of the present invention includes a computer program, which, when executed by a processor, implements the data processing method provided in the present invention.

[0045] According to the solution provided by the present invention, one embodiment of the above invention has the following advantages or beneficial effects: by integrating all relevant transaction data of the group account, a transaction network graph is constructed to directly present the transaction analysis characteristics of accounts using different products under the network tree in a view manner for use by the group's internal data, thereby improving service satisfaction; by leveraging the data warehouse and preset channels, the service pressure on the business system is reduced as much as possible; based on the hierarchical relationship between group accounts, a hierarchical relationship graph of group customer information is constructed, solving the problem of ambiguous display of existing hierarchical relationships of group customers.

[0046] The further effects of the aforementioned unconventional alternative methods will be explained below in conjunction with specific implementation methods. Attached Figure Description

[0047] The accompanying drawings are provided to better understand the invention and are not intended to unduly limit the scope of the invention. Wherein:

[0048] Figure 1 This is a schematic diagram of the main flow of a data processing method according to an embodiment of the present invention;

[0049] Figure 2 This is a flowchart illustrating an optional data processing method according to an embodiment of the present invention;

[0050] Figure 3 This is a flowchart illustrating another optional data processing method according to an embodiment of the present invention;

[0051] Figure 4 This is a schematic diagram of the main modules of a data processing device according to an embodiment of the present invention;

[0052] Figure 5 This is an exemplary system architecture diagram in which embodiments of the present invention can be applied;

[0053] Figure 6 This is a schematic diagram of the structure of a computer system suitable for implementing the embodiments of the present invention, such as a mobile device or server. Detailed Implementation

[0054] 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.

[0055] It should be noted that, unless otherwise specified, the embodiments and features described in the present invention can be combined with each other. The collection, analysis, use, transmission, and storage of user personal information involved in the technical solutions of the present 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.

[0056] When applicable, including in certain relevant applications, data deidentification is used to protect user privacy, such as by removing specific identifiers, controlling the amount or specificity of stored data, controlling how data is stored, and / or other methods.

[0057] See Figure 1 The diagram shows the main flowchart of a data processing method provided by an embodiment of the present invention, which includes the following steps:

[0058] S101: In response to reaching a preset time point, traverse each network tree to obtain all account information registered under each network tree according to the number of each network tree;

[0059] S102: Determine the contracted product identifier corresponding to the number, and obtain the transaction records of each contracted product in a preset historical time period based on the contracted product identifier;

[0060] S103: Query the account information of both parties in each transaction record, filter the target transaction records in which the account information of both parties exists in all the account information, and extract the transaction analysis features of the target transaction records;

[0061] S104: Based on the transaction analysis characteristics, construct a transaction network graph of different account information using each contracted product, and then obtain the transaction network graph of each network tree using each contracted product.

[0062] In the above implementation, for step S101, a customer can establish multiple different network trees to register multiple accounts, such as a headquarters settlement account and a member unit settlement account. Accounts under a customer's name can also be registered under any number of network trees. For example, if there are fixed transactions between customer A and customer B, then customer A's account can be registered under its own network tree as well as customer B's network tree.

[0063] In response to reaching a preset time point, such as the end of the day, each network tree is traversed to obtain all account information registered under each network tree according to the number of each network tree. For example, traversing the network tree of customer B above, customer B's headquarters settlement account information and member unit settlement account information, as well as customer A's account information (at this time, the distinction between main account and sub-account can be ignored).

[0064] To compile customer information for each account, taking headquarters and subsidiaries as an example, different accounts are typically used. Some subsidiaries, although subordinate to the headquarters, may have different company names, such as xxx Limited Liability Company and xxz Limited Liability Company. In this case, they can be considered two separate customer records. However, if the subsidiary's company name is the same as the headquarters', but the difference is the addition of a branch office (e.g., xxx Limited Liability Company and xxx Limited Liability Company YY Branch), then they can be considered the same customer record. Alternatively, regardless of whether the subsidiary's company name is the same as the headquarters', they can all be considered different customer records. The specific settings can be determined by staff based on the actual situation.

[0065] After deduplicating these customer information entries, we obtain the customer information set under each network tree. For example, if customer B's head office and subsidiary use the same name, but the difference lies in the addition of a branch office name, then they are considered as one customer, and their customer information set only includes customer B's company name. Alternatively, they can be considered as different customers, and their customer information sets include different company names. Or, if customer A's network tree only includes the head office and subsidiary, but they use different names, then this indicates that the customer information set contains more than two entries for different customers.

[0066] This solution primarily targets network trees with two or more customers in the customer information set. These network trees are classified as network trees. Network trees with only one customer are not processed in this solution.

[0067] For step S102, cash pooling business refers to the actual transfer of cash balances from the bank accounts of one or more member units belonging to the same group company to a real master account. The master account is usually controlled by the group headquarters, and member units need to obtain funds from the master account to make external payments when they need funds.

[0068] This solution primarily considers products such as timed pools, real-time pools, invoice pools, payment collection and disbursement pools, virtual pools, and direct bank-enterprise connections. Taking timed pools, real-time pools, invoice pools, and payment collection and disbursement pools as examples:

[0069] 1) Timed Pool: A working capital management product that enables the timely collection, allocation, and remittance of funds among bank settlement accounts of different levels within a client's organization.

[0070] 2) Real-time pool: It has the same function as the timed pool, but it can solve the problem of "subsidiary member companies needing to actively allocate funds from the headquarters and the timeliness of fund collection is not timely enough" in the timed pool.

[0071] 3) Bill Pool: Relying on corporate network channels and physical outlets, it provides comprehensive financial services such as commercial bill information registration, entrusted management, and pledge financing for corporate clients (including group clients and individual clients).

[0072] 4) Payment and collection: This includes two types of business: bulk collection and bulk payment. It refers to financial products that act as agents for cash management clients to complete bulk payment or collection in accordance with relevant agreements signed with clients.

[0073] Different clients have different needs. For example, a timed pooling system is suitable for: 1) clients with numerous branches and dispersed cash flow who want to pool funds for centralized use; 2) clients with low requirements for branch funds who need to pool funds periodically or at a certain frequency; and 3) clients who require member units to retain a certain amount of funds, with the remaining funds pooled or supplemented by headquarters allocations. Considering that multiple clients may sign contracts for the same product, to differentiate between these clients and products, these products can be numbered so that different clients signing contracts for the same product have different numbers. For example, client x – product w001, client y – product w002.

[0074] Customers use products for transactions. For example, with timed products, funds are automatically aggregated according to agreed-upon times or frequencies, achieving zero-balance, fixed-amount, or reserved-amount aggregation. If a reserved-amount aggregation method is adopted, a reserved-amount account is set at 1 million. Funds exceeding 1 million are aggregated to the group headquarters and mapped to an account. Funds exceeding 1 million are aggregated from sub-accounts to the group headquarters' main account. The result is essentially transaction records between accounts. This solution primarily considers transaction records within a preset time period, such as transaction IDs, timestamps, input addresses, output addresses, and transaction amounts for the contracted product from the beginning of the year to the statistical date.

[0075] For steps S103-S104, the purpose of this solution is to analyze the fund transaction status of customers and accounts under a network tree from a network perspective. Therefore, after obtaining the transaction records of the signed products under the network tree, it is necessary to determine whether both parties in each transaction record are located under the network tree. If the account information of either party is not located under the network tree, it indicates that the actual transaction is between a customer of this group and another customer of the group, and this case is not considered in this solution. This solution only considers the case where the account information of both parties to the transaction is registered under the network tree, thereby filtering out the target transaction records.

[0076] For target transaction records, extract their transaction analysis characteristics, such as payment and receipt transaction analysis characteristics, timed pool transaction analysis characteristics, real-time pool transaction analysis characteristics, and bill pool transaction analysis characteristics. Specifically, these include: internal settlement transaction characteristics for cash management payments; total external payment transaction characteristics for the network; payment transaction characteristics for accounts outside the network of the same bank; payment transaction characteristics for accounts outside the network of other banks; payment transaction characteristics for accounts outside the network of other banks with the same name; payment transaction characteristics for accounts outside the network of other banks with different names; transaction characteristics for the amount and number of bills in the bill pool; transaction characteristics for the deposit balance of the bill pool contracted margin account; and transaction characteristics for the annual average daily balance of the bill pool contracted margin account.

[0077] Based on these characteristics, a transaction network graph is first established between different accounts. The main transaction analysis features extracted are: number of transactions, total transaction amount, and transaction success rate. These are used to establish connections between different accounts, and a transaction network graph is constructed based on these relationships, ultimately forming the entire transaction network graph under the network tree. It should be noted that transaction records from different contracted products are not universally applicable; that is, a transaction record for product 1 will not occur for product 2. Therefore, the actual result is a transaction network graph using different contracted products within the network tree.

[0078] The method provided in the above embodiments constructs a transaction network map of a group company, directly presenting the transaction characteristics of the group company using different products in a visual manner. This solves the problem of unclear transaction characteristics in the prior art and meets the comprehensive service needs of large groups.

[0079] See Figure 2 The diagram illustrates an optional data processing method according to an embodiment of the present invention, including the following steps:

[0080] S201: In response to reaching a preset time point, traverse each network tree to obtain all account information registered under each network tree according to the number of each network tree;

[0081] S202: Determine the customer information corresponding to each account information, obtain the customer information set corresponding to each network tree, and count the number of customer information in the customer information set;

[0082] S203: In response to the quantity being greater than or equal to a preset quantity, determine each network tree as a target network tree to be processed;

[0083] S204: Determine the contracted product identifier corresponding to the number, and obtain the transaction records of each contracted product in a preset historical time period based on the contracted product identifier;

[0084] S205: Push the basic information of each network tree, customer information, all account information, and transaction records of the contracted products to the data warehouse;

[0085] S206: The data warehouse queries the account information of both parties in each transaction record, filters the target transaction records in which the account information of both parties exists in all the account information, and extracts the transaction analysis features of the target transaction records;

[0086] S207: The data warehouse constructs a transaction network graph of different account information using each contracted product based on the transaction analysis characteristics, thereby obtaining a transaction network graph of each network tree using each contracted product;

[0087] S208: Push the transaction network graph of each network tree using each contracted product to a preset channel, so that when the preset channel receives an information query request, it queries and displays the corresponding transaction network graph based on the customer tree number and product identifier in the information query request.

[0088] In the above embodiments, steps S201 to S204 can be found in [reference needed]. Figure 1 The description shown will not be repeated here.

[0089] For steps S205 to S207, after obtaining the transaction records of the contracted products used by the network tree, this solution can push the basic information of the network tree (such as number and name), customer information, account information, contracted product information, and product transaction records to the data warehouse, i.e., the big data platform system. The big data platform system can then query account information, filter target transaction records, extract transaction analysis features, and construct a transaction network graph according to business logic. Since this application mainly focuses on the transaction network graph constructed from the network tree, and its transaction data pertains to multiple accounts with multiple transactions between these accounts, the transaction network graph is a large transaction flow graph.

[0090] For step S208, after constructing the transaction network graph for each network tree using each contracted product, the data warehouse will periodically push the transaction network graph in the form of a file, such as NFT (Non-Fungible Token), to the oracle database in the employee channel. Subsequently, internal managers can query and download the generated transaction network graph in the employee channel.

[0091] However, a transaction network graph targets the transaction records of a customer tree using a contracted product within a preset time period. Therefore, the query request must include the customer tree number and product identifier to retrieve and display the corresponding transaction network graph, which represents the summary data information of that product. Furthermore, the request can also include specific account information, so the query result will be the specific graph corresponding to that account.

[0092] The business department analyzes each customer's product usage by summarizing data from various products in the transaction network graph, such as the number of transactions and transaction amount, and then optimizes the products. For example, the usage rate of product 3 is relatively low compared to product 1 and product 2, so as to better serve customers.

[0093] The method provided in the above embodiments delegates the data processing process to a data warehouse to reduce the service pressure on the business system. The data warehouse sends the processed transaction network graph to a preset channel, so that the relevant graph query service is handled by the preset channel, thereby further reducing the service pressure on the data warehouse.

[0094] See Figure 3 The diagram illustrates another optional data processing method according to an embodiment of the present invention, including the following steps:

[0095] S301: In response to reaching a preset time point, traverse each network tree to obtain all account information registered under each network tree according to the number of each network tree; wherein, all account information includes main account information and sub-account information, and the root node of the network tree is the main account;

[0096] S302: Determine the contracted product identifier corresponding to the number, and obtain the transaction records of each contracted product in a preset historical time period based on the contracted product identifier;

[0097] S303: Query the account information of both parties in each transaction record, filter the target transaction records in which the account information of both parties exists in all the account information, and extract the transaction analysis features of the target transaction records;

[0098] S304: Based on the transaction analysis characteristics, construct a transaction network graph of the main account and different sub-accounts using each contracted product, and a transaction network graph of different sub-accounts using each contracted product, thereby obtaining a transaction network graph of each network tree using each contracted product;

[0099] S305: Determine the main customer information corresponding to the main account and the sub-customer information corresponding to each sub-account. Arrange the main customer information and sub-customer information according to the hierarchical relationship between the main account and sub-accounts and between different sub-accounts to obtain a customer information hierarchical relationship diagram corresponding to each network tree.

[0100] In the above embodiments, for steps S302 and S303, please refer to... Figure 1 , Figure 2 The description shown will not be repeated here.

[0101] For steps S301 and S304, the existing cash management service network is built for large group clients, which has the problem of unclear display of the hierarchical relationship of the group company. In order to address this technical problem, this application constructs a hierarchical relationship diagram of the group company based on account information.

[0102] The group operates with master accounts and sub-accounts. Sub-accounts correspond to different business types, such as apparel, film and television, and logistics. Different member settlement accounts are set up for each business type, and different subsidiaries are established. The headquarters only coordinates and manages the various subsidiaries. The group's network tree has the master account as its root node, with different sub-accounts located at different sub-nodes. Root node customer information includes, but is not limited to: customer tree ID and name, tree type ID and name, group headquarters customer ID and name, root node sponsoring institution ID (including the ID and name of its first-level branch, second-level branch, sub-branch, and outlet), industry code, and tree creation date. The same logic applies to sub-node customer information.

[0103] For a group company, its internal transactions mainly involve transactions between the main account and sub-accounts, and between different sub-accounts. Therefore, the constructed transaction network map is essentially a transaction network map of the main account and different sub-accounts using contracted products, as well as a transaction network map of different sub-accounts using contracted products. The overall combination can obtain a transaction network map of all account information in the group using the same contracted product.

[0104] For step S305, the hierarchical relationship of account information on the network tree is clear, and a hierarchical relationship of customer information can be created based on this. For example, the headquarters customer information is located at the root node, and the subsidiary customer information is located at the child node. However, there may be certain nesting and hierarchical relationships between the customer information of different subsidiaries. For example, if the business scope of subsidiary Q is the largest and the business scope of subsidiary P is second to that of subsidiary Q, then the node of subsidiary P is set after the node of subsidiary Q, or subsidiary E is a subsidiary of subsidiary F, thereby constructing a hierarchical relationship graph of customer information.

[0105] The method provided in the above embodiments processes customer information corresponding to accounts based on the hierarchical relationship between group accounts, thereby constructing a hierarchical relationship diagram of group customer information, which solves the problem of ambiguous display of existing hierarchical relationships of group companies.

[0106] See Figure 4 The diagram shows a schematic representation of the main modules of a data processing apparatus 400 provided in an embodiment of the present invention, including:

[0107] The traversal module 401 is used to traverse each network tree in response to reaching a preset time point, so as to obtain all account information registered under each network tree according to the number of each network tree;

[0108] The determination module 402 is used to determine the contracted product identifier corresponding to the number, and obtain the transaction records of each contracted product in a preset historical time period based on the contracted product identifier;

[0109] The extraction module 403 is used to query the account information of both parties in each transaction record, filter the target transaction records in which the account information of both parties exists in all the account information, and extract the transaction analysis features of the target transaction records.

[0110] The construction module 404 is used to construct a transaction network graph of different account information using each contracted product based on the transaction analysis characteristics, thereby obtaining a transaction network graph of each network tree using each contracted product.

[0111] The apparatus for implementing the present invention further includes a screening module, used for:

[0112] Determine the customer information corresponding to each account information to obtain the customer information set corresponding to each network tree, and count the number of customer information in the customer information set;

[0113] In response to the number being greater than or equal to a preset number, each network tree is determined to be a target network tree to be processed.

[0114] The apparatus for implementing this invention further includes a pushing module, used for:

[0115] The basic information of each network tree, customer information, all account information, and transaction records of the contracted products are pushed to the data warehouse so that the data warehouse can perform the steps of querying account information, filtering target transaction records, extracting transaction analysis features, and constructing a transaction network graph.

[0116] In the device for implementing this invention, the root node of the network tree is the main account, and all account information includes main account information and sub-account information;

[0117] The construction module 404 is used for:

[0118] Based on the transaction analysis characteristics, a transaction network graph is constructed between the main account and different sub-accounts using each of the contracted products, as well as a transaction network graph between different sub-accounts using each of the contracted products.

[0119] The apparatus for implementing this invention further includes a hierarchical relationship construction module, used for:

[0120] Determine the primary customer information corresponding to the primary account and the sub-customer information corresponding to each sub-account;

[0121] According to the hierarchical relationship between the main account and sub-accounts, and between different sub-accounts, the main customer information and sub-customer information are arranged to obtain the customer information hierarchical relationship diagram corresponding to each network tree.

[0122] The apparatus for implementing this invention further includes a query module, used for:

[0123] Each network tree uses the transaction network graph of each contracted product to push to a preset channel, so that when the preset channel receives an information query request, it can query and display the corresponding transaction network graph based on the customer tree number and product identifier in the information query request.

[0124] Furthermore, the specific implementation details of the device described in the embodiments of the present invention have been described in detail in the above-described method, so the details will not be repeated here.

[0125] Figure 5 An exemplary system architecture 500 to which embodiments of the present invention can be applied is shown, including terminal devices 501, 502, 503, network 504, and server 505 (this is merely an example).

[0126] Terminal devices 501, 502, and 503 can be various electronic devices with displays and web browsing capabilities, and have various communication client applications installed. Users can use terminal devices 501, 502, and 503 to interact with server 505 via network 504 to receive or send messages, etc.

[0127] Network 504 is a medium used to provide a communication link between terminal devices 501, 502, 503 and server 505. Network 504 may include various connection types, such as wired or wireless communication links or fiber optic cables, etc.

[0128] Server 505 can be a server that provides various services. It should be noted that the methods provided in the embodiments of the present invention are generally executed by server 505, and correspondingly, the devices are generally set in server 505.

[0129] It should be understood that Figure 5 The number of terminal devices, networks, and servers shown is merely illustrative. Depending on implementation needs, any number of terminal devices, networks, and servers can be included.

[0130] The following is for reference. Figure 6 It 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.

[0131] like Figure 6As 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.

[0132] 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.

[0133] 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.

[0134] 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.

[0135] 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.

[0136] 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; for example, a processor can be described as including a traversal module, a determination module, an extraction module, and a construction module. The names of these modules do not necessarily limit the module itself; for example, the extraction module can also be described as a "feature extraction module."

[0137] 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 that, when executed by the device, cause the device to perform any of the data processing methods described above.

[0138] The computer program product of the present invention includes a computer program that, when executed by a processor, implements the data processing method in the embodiments of the present invention.

[0139] 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 data processing method, characterized in that, include: In response to reaching a preset time point, each network tree is traversed to obtain all account information registered under each network tree according to the number of each network tree; wherein, a user can establish multiple different network trees to register multiple accounts; Determine the contracted product identifier corresponding to the number, and obtain the transaction records of each contracted product in a preset historical time period based on the contracted product identifier; Query the account information of both parties in each transaction record, filter the target transaction records in which the account information of both parties exists in all the account information, and extract the transaction analysis features of the target transaction records; Based on the transaction analysis characteristics, a transaction network graph of different account information using each contracted product is constructed, thereby obtaining the transaction network graph of each network tree using each contracted product; Each network tree uses the transaction network graph of each contracted product to push to a preset channel, so that when the preset channel receives an information query request, it can query and display the corresponding transaction network graph based on the customer tree number and product identifier in the information query request; wherein, the transaction network graph is pushed to the Oracle database of the employee channel in the form of a file on a regular basis, and the generated transaction network graph can be queried and downloaded in the employee channel; After obtaining all account information registered under each network tree and before determining the contracted product identifier corresponding to the number, the method further includes: determining customer information corresponding to each account information, obtaining a customer information set corresponding to each network tree, and counting the number of customer information in the customer information set; in response to the number being greater than or equal to a preset number, determining each network tree as a target network tree to be processed; The method further includes: The basic information of each network tree, customer information, all account information, and transaction records of the contracted products are pushed to the data warehouse so that the data warehouse can perform the steps of querying account information, filtering target transaction records, extracting transaction analysis features, and constructing a transaction network graph.

2. The method according to claim 1, characterized in that, The root node of the network tree is the main account, and all account information includes main account information and sub-account information; The step of constructing a transaction network graph of each contracted product using different account information based on the transaction analysis characteristics includes: Based on the transaction analysis characteristics, a transaction network graph is constructed between the main account and different sub-accounts using each of the contracted products, as well as a transaction network graph between different sub-accounts using each of the contracted products.

3. The method according to claim 2, characterized in that, The method further includes: Determine the primary customer information corresponding to the primary account and the sub-customer information corresponding to each sub-account; According to the hierarchical relationship between the main account and sub-accounts, and between different sub-accounts, the main customer information and sub-customer information are arranged to obtain the customer information hierarchical relationship diagram corresponding to each network tree.

4. A data processing apparatus, characterized in that, include: The traversal module is used to traverse each network tree in response to a preset time point, so as to obtain all account information registered under each network tree according to the number of each network tree; wherein, a user can establish multiple different network trees to register multiple accounts; The determination module is used to determine the contracted product identifier corresponding to the number, and obtain the transaction records of each contracted product in a preset historical time period based on the contracted product identifier; The extraction module is used to query the account information of both parties in each transaction record, filter the target transaction records in which the account information of both parties exists in all the account information, and extract the transaction analysis features of the target transaction records. The construction module is used to construct a transaction network graph of different account information using each contracted product based on the transaction analysis characteristics, thereby obtaining the transaction network graph of each network tree using each contracted product; The query module is used to push the transaction network graph of each network tree using each contracted product to a preset channel, so that when the preset channel receives an information query request, it can query and display the corresponding transaction network graph based on the customer tree number and product identifier in the information query request; wherein, the transaction network graph is pushed to the Oracle database of the employee channel in the form of a file on a regular basis, and the generated transaction network graph can be queried and downloaded in the employee channel; The device further includes a filtering module, configured to: determine customer information corresponding to each account information, obtain a customer information set corresponding to each network tree, and count the number of customer information in the customer information set; and, in response to the number being greater than or equal to a preset number, determine each network tree as a target network tree to be processed. The device also includes a push module, used to push the basic information of each network tree, customer information, all account information, and transaction records of the contracted products to a data warehouse, so as to perform the steps of querying account information, filtering target transaction records, extracting transaction analysis features, and constructing a transaction network graph through the data warehouse.

5. The apparatus according to claim 4, characterized in that, The root node of the network tree is the main account, and all account information includes main account information and sub-account information; The building module is used for: Based on the transaction analysis characteristics, a transaction network graph is constructed between the main account and different sub-accounts using each of the contracted products, as well as a transaction network graph between different sub-accounts using each of the contracted products.

6. The apparatus according to claim 5, characterized in that, The device further includes a hierarchy construction module, used for: Determine the primary customer information corresponding to the primary account and the sub-customer information corresponding to each sub-account; According to the hierarchical relationship between the main account and sub-accounts, and between different sub-accounts, the main customer information and sub-customer information are arranged to obtain the customer information hierarchical relationship diagram corresponding to each network tree.

7. 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 1-3.

8. 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 1-3.

9. 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 1-3.

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