Fund dynamic supervision method, system, equipment, medium and product for housing public accumulation fund

Abstract

The invention discloses a dynamic fund supervision method, system, device, medium and product for housing accumulation fund, and relates to the technical field of data processing, the method comprises the following steps: obtaining account information corresponding to accumulation fund extraction application information, and collecting personal information of a target user inputting the accumulation fund extraction application information; performing identity authentication based on the account information and the personal information to obtain an identity authentication result; if the identity authentication result passes, auditing the accumulation fund extraction application information to obtain a first auditing result; if the first auditing result passes, performing qualification auditing on the target user according to the accumulation fund extraction application information to obtain a second auditing result; the second auditing result is used for representing whether the target user passes the qualification auditing or not. According to the method and the device, the security of the housing accumulation fund is improved.

Description

Technical Field

[0001] The present application relates to the field of data processing technology, and in particular to a method, system, device, medium and product for dynamic supervision of housing provident fund. Background Art

[0002] The housing provident fund system is an important social security system for the state to provide long-term savings for urban workers' housing. Its goal is to help workers solve housing fund problems and improve living conditions by accumulating housing provident funds paid by workers and units. The core of the housing provident fund system is to provide housing financial support to workers through the joint payment of provident funds by workers and units. Workers pay housing provident funds on a monthly basis, and units also pay in the same proportion. This fund can not only be used by workers to purchase, build, and renovate their own houses, but also to repay housing loans.

[0003] However, with the widespread implementation of the housing provident fund system, the supervision problems of housing provident funds have gradually been exposed. When withdrawing housing provident funds, false information and illegal operations are easily mixed in, resulting in the misappropriation or loss of housing provident funds. Therefore, how to improve the security of housing provident funds has become an urgent problem that technicians in this field need to solve. Summary of the invention

[0004] The purpose of this application is to provide a method, system, equipment, medium and product for dynamic supervision of housing provident fund funds, which can improve the security of housing provident fund.

[0005] To achieve the above objectives, this application provides the following solutions: In the first aspect, the present application provides a method for dynamic supervision of housing provident fund funds, including: When receiving the housing fund withdrawal application information, obtaining the account information corresponding to the housing fund withdrawal application information, and collecting the personal information of the target user who inputs the housing fund withdrawal application information; Perform identity authentication based on the account information and the personal information to obtain an identity authentication result; If the identity authentication result indicates that the personal information matches the account information, the provident fund withdrawal application information is reviewed to obtain a first review result; If the first audit result indicates that the provident fund withdrawal application information has been reviewed and approved, the target user is subject to qualification review based on the provident fund withdrawal application information to obtain a second audit result; the second audit result is used to indicate whether the target user has passed the qualification review.

[0006] Optionally, the personal information includes at least a face image, a fingerprint image, and a touch vibration signal, and the identity authentication is performed based on the account information and the personal information to obtain the identity authentication result, specifically including: Performing feature recognition on the face image and the fingerprint image respectively to obtain face features of the face image and fingerprint features of the fingerprint image; Decoding the touch-vibration signal to obtain a decoded touch-vibration feature; Encoding the decoded tactile vibration feature to obtain a target tactile vibration feature; Acquire initial facial features, initial fingerprint features, and initial touch vibration features from the account information; Comparing the facial features with initial facial features to obtain facial feature comparison results; If the facial feature comparison result indicates that the facial feature matches the initial facial feature, then comparing the fingerprint feature with the initial fingerprint feature to obtain a fingerprint feature comparison result; If the fingerprint feature comparison result indicates that the fingerprint feature matches the initial fingerprint feature, then comparing the target tactile vibration feature with the initial tactile vibration feature to obtain a tactile vibration feature comparison result; If the comparison result of the touch vibration features indicates that the target touch vibration features match the initial touch vibration features, the personal information is matched with the account information and determined as an identity authentication result.

[0007] Optionally, before matching the personal information with the account information to determine the identity authentication result, the method further includes: Obtaining historical login time, historical login location, historical IP address and historical login frequency interval from the account information; wherein the historical login time is at least one, the historical login location is at least one, and the historical IP address is at least one; Obtain the current login time, current login location, current IP address and previous login time of the current account that initiated the provident fund withdrawal application information; Calculate the current login frequency of the current account based on the current login time and the previous login time; Comparing the current login time with the historical login time to obtain a first comparison result; If the first comparison result indicates that the current login time matches any historical login time, then the current login location is compared with the historical login location to obtain a second comparison result; If the second comparison result indicates that the current login location matches any of the historical login locations, then the current IP address is compared with the historical IP address to obtain a third comparison result; If the third comparison result indicates that the current IP address matches any historical IP address, then the current login frequency is compared with the historical login frequency interval to obtain a fourth comparison result; If the fourth comparison result indicates that the current login frequency is within the historical login frequency range, it is determined that the current account is safe.

[0008] Optionally, the reviewing the provident fund withdrawal application information to obtain a first review result specifically includes: Determine the target application type and current application documents from the provident fund withdrawal application information; Acquire a set of standard application document templates matching the target application type; wherein the set of standard application document templates includes at least one standard application document template; Determine the template type of each standard application document template and the current file type of each current application document; Compare the current file type with the template type to obtain a type comparison result; If the type comparison result indicates that the current file type corresponds to the template type one by one, then text recognition is performed on the current application file to obtain current application information; The current application information is reviewed based on each standard application document template to obtain a first review result.

[0009] Optionally, performing qualification review on the target user according to the provident fund withdrawal application information to obtain a second review result specifically includes: Obtain the historical deposit duration and current account balance of the target user; Determine the shortest deposit period and minimum account balance corresponding to the target application type; If the historical deposit duration is greater than or equal to the shortest deposit duration and the current account balance is greater than or equal to the minimum account balance, the qualification review of the target user is determined to be qualified as the second review result.

[0010] Optionally, after obtaining the second audit result, the method further includes: If the second review result indicates that the target user's qualification review has passed, determining the target funds according to the provident fund withdrawal application information; Transferring the target funds to the target account included in the provident fund withdrawal application information; Generate fund flow record information according to the account information and the target funds, and store the fund flow record information in the account information; Furthermore, after the target funds are transferred to the target account included in the provident fund withdrawal application information, the method further includes: Sending a funds destination notification request to the target account, so that the target account can feedback the usage information of the target funds; Acquire the provident fund usage type from the provident fund withdrawal application information; Comparing the usage information with the provident fund usage type to obtain a provident fund usage comparison result; If the comparison result of the provident fund usage indicates that the usage information is consistent with the provident fund usage type, then it is determined that the usage of the target funds is normal; If the provident fund usage comparison result indicates that the usage information is inconsistent with the provident fund usage type, an alarm message is sent to the terminal device corresponding to the provident fund management personnel; wherein, the alarm message is used to prompt that the target funds are used in violation of regulations.

[0011] In the second aspect, the present application provides a housing provident fund dynamic supervision system, including: an acquisition unit, configured to, when detecting the input housing fund withdrawal application information, acquire the account information corresponding to the housing fund withdrawal application information, and collect the personal information of the target user who inputs the housing fund withdrawal application information; An authentication unit, configured to perform identity authentication based on the account information and the personal information, and obtain an identity authentication result; A first review unit, configured to review the provident fund withdrawal application information to obtain a first review result if the identity authentication result indicates that the personal information matches the account information; The second review unit is used to conduct a qualification review on the target user based on the provident fund withdrawal application information to obtain a second review result if the first review result indicates that the provident fund withdrawal application information has been reviewed and approved; the second review result is used to indicate whether the target user has passed the qualification review.

[0012] In a third aspect, the present application provides a computer device comprising: a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor executes the computer program to implement the steps of any of the above-mentioned methods for dynamic supervision of housing provident fund funds.

[0013] In a fourth aspect, the present application provides a computer-readable storage medium having a computer program stored thereon, which, when executed by a processor, implements the steps of any of the above-mentioned methods for dynamic supervision of housing provident fund funds.

[0014] In a fifth aspect, the present application provides a computer program product, including a computer program, which, when executed by a processor, implements the steps of any of the above-mentioned methods for dynamic supervision of housing provident fund funds.

[0015] According to the specific embodiments provided in this application, this application discloses the following technical effects: The present application provides a method, system, device, medium and product for dynamic supervision of funds of a housing provident fund, which can perform identity authentication on the sender of the received provident fund withdrawal application information, and after the identity authentication is passed, the provident fund withdrawal application information can be reviewed and the qualification of the target user can be reviewed. Only when the review of the provident fund withdrawal application information and the qualification review of the target user are passed, can the provident fund be subsequently transferred to the target account of the target user, thereby improving the security of the housing provident fund. BRIEF DESCRIPTION OF THE DRAWINGS

[0016] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings required for use in the embodiments will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0017] Figure 1 This is a flow chart of a method for dynamic supervision of housing provident fund funds in one embodiment of the present application; Figure 2 A schematic diagram of the functional modules of a housing provident fund dynamic supervision system provided in accordance with another embodiment of the present application.

[0018] Figure 3 A schematic diagram of the structure of a computer device provided in one embodiment of the present application. DETAILED DESCRIPTION

[0019] The following will be combined with the drawings in the embodiments of the present application to clearly and completely describe the technical solutions in the embodiments of the present application. Obviously, the described embodiments are only part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of this application.

[0020] In order to make the above-mentioned objects, features and advantages of the present application more obvious and easy to understand, the present application is further described in detail below with reference to the accompanying drawings and specific implementation methods.

[0021] In an exemplary embodiment, Figure 1As shown, a method for dynamic supervision of housing provident fund funds is provided, which is executed by a computer device, specifically, it can be executed by a computer device such as a terminal or a server alone, or it can be executed by a terminal and a server together. In the embodiment of the present application, the following steps 101 to 104 are included. Among them: Step 101, when providing fund withdrawal application information is received, the account information corresponding to the providing fund withdrawal application information is obtained, and the personal information of the target user who inputs the providing fund withdrawal application information is collected.

[0022] In the embodiment of the present application, the housing fund withdrawal application information may include the use type of the housing fund to be withdrawn, application materials, account information, etc., which is not limited in the embodiment of the present application. The account information may include the name, ID number, account ID, etc. of the account user.

[0023] In the embodiment of the present application, before the user sends the housing fund withdrawal application information, a dedicated housing fund account can be opened first. The housing fund account can be used as a special account for the user to receive and manage the housing fund, ensuring the completion of activities such as the inflow, withdrawal and use of funds.

[0024] The opening of a provident fund account means that the user has the ability to receive housing provident fund deposits and withdrawals. The account can realize the cross-platform flow of funds, such as directly performing housing-related payment operations under certain conditions.

[0025] Set the initial fund balance in the housing provident fund account to Before the user has any provident fund payment record, there will be no funds flowing into the provident fund. At this time, the fund changes in the provident fund can be monitored in real time to ensure that all fund flows are traceable.

[0026] Provident Fund accounts have the following functions: 1. Fund deposit function. After the provident fund account receives the housing provident fund funds paid by the user's employer on time, the user's monthly provident fund payment record will be updated immediately, and the user and the regulatory department can view their account balance and fund changes in real time.

[0027] 2. Fund withdrawal and use function. Users can apply to withdraw or use housing provident funds through their provident fund accounts, such as for purchasing a house, renting a house, repaying a housing loan, or treating a serious illness, etc., whichever items meet the requirements. Once the withdrawal and use application is approved, the corresponding amount will be immediately transferred from the user's provident fund to the user's designated account or payment platform.

[0028] 3. Fund record function. Through the provident fund account, users and regulatory authorities can view the provident fund balance, historical transaction records and specific flow of funds in real time. Record the inflow and outflow of each fund in detail to ensure that the user's fund record can be traced and verified under any circumstances, and these records can be queried by users and regulatory authorities at any time to ensure transparent fund flow.

[0029] During the process of opening a provident fund account, each user can be assigned a unique identity identifier, which is bound to the user's identity information (such as ID number, mobile phone number, etc.) to ensure the uniqueness of the identity and the security of the provident fund account. Identity verification is performed through a variety of methods to ensure that the owner of the provident fund account is consistent with the real user. Authentication methods include: ID card information verification, mobile phone number verification, security question verification, electronic signature verification, fingerprint recognition, facial recognition, and flutter signal recognition.

[0030] For example, real-name authentication can be performed by connecting to the public security system or a third-party identity authentication service, including verifying the user's ID card information, mobile phone number, etc.

[0031] When opening an account, users need to provide their personal identity information (such as ID number, name, bank account information, etc.). This information will be processed through multiple encryption and verification methods to ensure the security and privacy of user information. Once the verification is passed, the identity binding can be completed to ensure that the provident fund account information is uniquely corresponding to the user's identity information, thereby effectively avoiding identity impersonation and fraud and ensuring account security.

[0032] Among them, multiple encryption and verification methods may include: data encryption (including symmetric encryption and asymmetric encryption), hashing algorithms (i.e. hashing sensitive information (such as passwords) to ensure that even if the data is leaked, the original information cannot be directly restored), multi-factor verification (combining two or more authentication methods, such as passwords plus mobile phone verification codes or biometrics to enhance account security), SSL / TLS encryption (using Secure Sockets Layer (SSL) or Transport Layer Security (TLS) protocols during data transmission), and access control (limiting access to sensitive information based on user roles and permissions to ensure that only authorized users can view or process personal information).

[0033] In addition, the funds deposited into the user's provident fund account can also be confirmed. Each payment unit (usually the user's employer) will pay the housing provident fund for the user on a regular basis. This process includes two parts: the user's personal payment and the unit's payment. According to national regulations, the payment ratio will be deducted from the user's salary at a certain ratio, and the unit will deposit it into the housing provident fund management system on behalf of the user.

[0034] When the depositing unit pays the housing provident fund on time, the inflow of funds is confirmed. Specifically, when the unit pays the provident fund amount When the funds are deposited into the user's provident fund account, the regulatory system records the time of inflow of the funds , and generate relevant transaction records, which helps to ensure the timeliness and transparency of funds. The regulatory system generates a record of each fund inflow, including the deposit amount, entry time and deposit unit information.

[0035] Set the provident fund account balance after the deposited funds flow in to ,but:

[0036] in, is the amount of provident fund deposited, It is the balance of the user’s provident fund account before funds are deposited.

[0037] Therefore, it can be ensured that after each deposit, the user's account balance can accurately reflect the latest fund status, ensuring the real-time update and transparency of account data. During the fund flow process, all fund flow data is encrypted and transmitted through an asymmetric encryption algorithm, and the fund flow is recorded and managed at the same time.

[0038] The specific process of close transmission through an asymmetric encryption algorithm is as follows: a pair of keys (public key and private key) are used to encrypt and decrypt the flow of funds data. The public key is used to encrypt data, and the private key is used to decrypt data. The public key can be made public, while the private key must be kept strictly confidential. When a user sends data, the data is encrypted using the recipient's public key. Even if the data is intercepted, only the recipient with the corresponding private key can decrypt it. The recipient uses his own private key to decrypt the received data and restore the original information. The sender can use the private key to sign the data to verify the source and integrity of the data, and the recipient can use the sender's public key for verification.

[0039] Users can log in to their provident fund accounts through mobile apps or computers to view their provident fund payment records. A detailed entry record will be generated for each inflow of funds, and users and regulatory authorities can view specific deposit amounts, time, payment units and other information to ensure the transparency of fund flows.

[0040] Step 102: Perform identity authentication based on the account information and the personal information to obtain an identity authentication result.

[0041] In the embodiment of the present application, the personal information includes at least a face image, a fingerprint image and a touch vibration signal.

[0042] As an optional implementation, step 102 performs identity authentication based on the account information and the personal information, and the way to obtain the identity authentication result may include: Performing feature recognition on the face image and the fingerprint image respectively to obtain face features of the face image and fingerprint features of the fingerprint image; Decoding the touch-vibration signal to obtain a decoded touch-vibration feature; Encoding the decoded tactile vibration feature to obtain a target tactile vibration feature; Acquire initial facial features, initial fingerprint features, and initial touch vibration features from the account information; Comparing the facial features with initial facial features to obtain facial feature comparison results; If the facial feature comparison result indicates that the facial feature matches the initial facial feature, then comparing the fingerprint feature with the initial fingerprint feature to obtain a fingerprint feature comparison result; If the fingerprint feature comparison result indicates that the fingerprint feature matches the initial fingerprint feature, then comparing the target tactile vibration feature with the initial tactile vibration feature to obtain a tactile vibration feature comparison result; If the comparison result of the touch vibration features indicates that the target touch vibration features match the initial touch vibration features, the personal information is matched with the account information and determined as an identity authentication result.

[0043] Among them, by implementing this implementation method, the current user of the account and the original account holder can be compared through facial images, fingerprint images and touch vibration signals. Only when the facial feature comparison, fingerprint feature comparison and touch vibration feature comparison are all passed, can it be considered that the current user and the original account holder are the same person, thereby improving the security of the account.

[0044] In an embodiment of the present application, the touch vibration signal can be collected by an accelerometer built into a terminal device used by the user. The touch vibration signal can be a signal generated by the user pressing the terminal device. The touch vibration signal generated by each person pressing the terminal device is different. Therefore, the identity of the user can be identified by the touch vibration signal generated by the user pressing the terminal device, thereby improving the accuracy of user identity authentication.

[0045] Furthermore, before matching the personal information with the account information to determine the identity authentication result, the following steps may also be included: Obtaining historical login time, historical login location, historical IP address and historical login frequency interval from the account information; wherein the historical login time is at least one, the historical login location is at least one, and the historical IP address is at least one; Obtain the current login time, current login location, current IP address and previous login time of the current account that initiated the provident fund withdrawal application information; Calculate the current login frequency of the current account based on the current login time and the previous login time; Comparing the current login time with the historical login time to obtain a first comparison result; If the first comparison result indicates that the current login time matches any historical login time, then the current login location is compared with the historical login location to obtain a second comparison result; If the second comparison result indicates that the current login location matches any of the historical login locations, then the current IP address is compared with the historical IP address to obtain a third comparison result; If the third comparison result indicates that the current IP address matches any historical IP address, then the current login frequency is compared with the historical login frequency interval to obtain a fourth comparison result; If the fourth comparison result indicates that the current login frequency is within the historical login frequency range, it is determined that the current account is safe.

[0046] Among them, by implementing this implementation method, the login location, login IP address and login time of the current account can be compared with the historical login location, historical IP address, historical login time and historical login frequency of the account. Only when the login location, login IP address, login time, login frequency of the current account match the historical login location, historical IP address, historical login time and historical login frequency, can the account be considered to be in normal use, thereby improving the security of account use.

[0047] Step 103: If the identity authentication result indicates that the personal information matches the account information, the provident fund withdrawal application information is reviewed to obtain a first review result.

[0048] As an optional implementation manner, step 103 reviews the provident fund withdrawal application information, and the manner of obtaining the first review result may include: Determine the target application type and current application documents from the provident fund withdrawal application information; Acquire a set of standard application document templates matching the target application type; wherein the set of standard application document templates includes at least one standard application document template; Determine the template type of each standard application document template and the current file type of each current application document; Compare the current file type with the template type to obtain a type comparison result; If the type comparison result indicates that the current file type corresponds to the template type one by one, then text recognition is performed on the current application file to obtain current application information; The current application information is reviewed based on each standard application document template to obtain a first review result.

[0049] Among them, by implementing this implementation method, the current application information in the provident fund withdrawal application information can be obtained through text recognition technology, and the current application information can be compared with the standard application document template. Only when the current application information matches the standard application document template, can the provident fund withdrawal application information submitted by the user be considered to have passed the review, so that the provident fund withdrawal application information submitted by the user can be quickly and preliminarily reviewed, thereby improving the review efficiency of the provident fund withdrawal application information.

[0050] For example, when a user submits an application for housing provident fund withdrawal, it can be determined whether the user meets the conditions for use and conduct a preliminary review of the application for fund use. If the user meets the conditions, he or she can apply to use the housing provident fund. The submitted housing provident fund withdrawal application information includes the amount of use. After receiving the provident fund withdrawal application information, a preliminary review will be conducted to ensure the legality and compliance of the use of funds (unaudited fund operations will be automatically blocked), and the transfer will be executed after the review is passed.

[0051] Before withdrawing or using provident funds, the provident fund withdrawal application information needs to be reviewed for compliance. All fund changes must go through the review process and be compliant, and any unreviewed fund operations will be automatically blocked.

[0052] When the user meets the conditions stipulated in the housing provident fund policy, he / she shall submit the provident fund withdrawal application information. The application process is relatively transparent and efficient, and is managed through digital means. Users can submit applications online without cumbersome manual procedures. The specific types of uses of funds may include but are not limited to buying a house, renting a house, paying mortgages and house decoration. Each use corresponds to different policy regulations. The policy determines whether the funds are allowed to be used. Users fill in the corresponding application form and provide relevant supporting documents (such as purchase contracts, rental contracts and decoration contracts, etc.). These documents can be uploaded as provident fund withdrawal application information through the provident fund management system, and will be stored in the database for review.

[0053] Step 104: If the first audit result indicates that the provident fund withdrawal application information has been audited, the target user is audited based on the provident fund withdrawal application information to obtain a second audit result.

[0054] In the embodiment of the present application, the second review result is used to indicate whether the target user has passed the qualification review.

[0055] As an optional implementation, step 104 performs qualification review on the target user according to the provident fund withdrawal application information, and the method of obtaining the second review result may include: Obtain the historical deposit duration and current account balance of the target user; Determine the shortest deposit period and minimum account balance corresponding to the target application type; If the historical deposit duration is greater than or equal to the shortest deposit duration and the current account balance is greater than or equal to the minimum account balance, the qualification review of the target user is determined to be qualified as the second review result.

[0056] Among them, by implementing this implementation method, the target user's historical deposit period and current account balance can be compared with the minimum deposit period and minimum account balance required by the target application type. If the historical deposit period is greater than or equal to the shortest deposit period and the current account balance is greater than or equal to the minimum account balance, the target user's qualification review is determined to be qualified, thereby improving the accuracy of the target user's qualification review for provident fund withdrawal.

[0057] For example, the qualification review process includes: obtaining the user's historical deposit information and usage record information; checking whether the user meets the application conditions (such as continuous deposit time, account balance, etc.); verifying whether the application amount is within the withdrawable range; verifying whether the user's application purpose complies with the policy, and reviewing relevant documents. During the review process, the application is judged according to the set conditions and standards, mainly including the following aspects: 1. Application qualification review. First, review the user's qualifications to ensure that the user meets the policy requirements for applying for the use of provident funds. Different purposes have different user qualification requirements. For example, a housing purchase application usually requires that the user has not withdrawn the provident fund for other purposes within a certain period of time; withdrawal for renting a house requires that the user does not have a house in the city where the application is made; by comparing the user's account information and historical usage records, determine whether the user meets the application conditions.

[0058] The standards for qualification review usually include: whether the user has paid into the housing provident fund continuously for a certain period of time (such as 12 months or 24 months); whether the user has legal housing purchase or rental behavior; whether the user has other records of disciplinary and irregular use of the housing provident fund; and whether the user's use of funds complies with relevant national or local housing provident fund management policies.

[0059] 2. Review the amount of money applied for. Review the amount of money applied for by the user. , ensuring that the amount is within the user's account balance and meets the prescribed upper limit. The premise for setting fund transfer is the user's account balance. Must be greater than or equal to the application amount .

[0060] The formula for reviewing the amount of funds used is as follows:

[0061] If the user's account balance is insufficient, the application will be rejected or the user will be prompted to modify the application amount. For some uses (such as buying or renting a house), an upper limit for fund use is set, and then the target funds that can be used are calculated and verified based on the application purpose.

[0062] 3. Review of usage. Different use of provident funds has different policy regulations, and the review is conducted based on the application purpose and relevant supporting documents submitted by the user. For example, the use of housing purchase usually requires the user to provide a purchase contract or purchase invoice, while the use of renting a house may require the user to provide a rental contract and rental invoice. Verify whether the file information uploaded by the user matches the application content, and ensure that its use is legal and compliant. At the same time, it can be connected through the data interface to directly obtain relevant contracts and transaction records from the real estate transaction center or the housing rental market, compare the materials submitted by the user, and reduce the time and error rate of manual review.

[0063] When the application is approved, the user is notified that the approval has been passed and the fund transfer procedure is ready to start. The approval flag is set as , that is, the user's application meets the policy requirements and can proceed with the subsequent fund transfer operation. If the review fails, the reason for the failure will be fed back to the user, and the user will be prompted to supplement the necessary materials or modify the application content. The flag for failure to pass the review is set as , users can resubmit the application or perform other operations according to the prompts. Common reasons for failure to pass the review include users not meeting the withdrawal conditions, insufficient account balance, incomplete or inconsistent supporting documents submitted, and the use of funds applied for not meeting the policy.

[0064] As an optional implementation, after step 104, the following steps may also be performed: If the second review result indicates that the target user's qualification review has passed, determining the target funds according to the provident fund withdrawal application information; Transferring the target funds to the target account included in the provident fund withdrawal application information; Generate fund flow record information according to the account information and the target funds, and store the fund flow record information in the account information.

[0065] Furthermore, after the target funds are transferred to the target account included in the provident fund withdrawal application information, the following steps may be performed: Sending a funds destination notification request to the target account, so that the target account can feedback the usage information of the target funds; Acquire the provident fund usage type from the provident fund withdrawal application information; Comparing the usage information with the provident fund usage type to obtain a provident fund usage comparison result; If the comparison result of the provident fund usage indicates that the usage information is consistent with the provident fund usage type, then it is determined that the usage of the target funds is normal; If the provident fund usage comparison result indicates that the usage information is inconsistent with the provident fund usage type, an alarm message is sent to the terminal device corresponding to the provident fund management personnel; wherein, the alarm message is used to prompt that the target funds are used in violation of regulations.

[0066] Among them, by implementing this implementation method, after the provident fund is allocated, the usage information of the target funds can be obtained, and the usage information can be audited. If the usage information is inconsistent with the usage type of the provident fund, it can be considered that the target user has illegally misappropriated the provident fund. At this time, an alarm message can be sent to the provident fund management personnel so that the provident fund management personnel can deal with the flow of funds in a timely manner, thereby ensuring the accuracy of the use of the provident fund.

[0067] In the embodiment of the present application, different target application types correspond to different target funds. For example, when the target application type is a house purchase type, the amount of target funds is larger; when the target application type is a rental type, the amount of target funds is smaller; when the target application type is a decoration type, the amount of target funds is usually greater than the target funds corresponding to the rental type and less than the target funds corresponding to the house purchase type.

[0068] In the embodiment of the present application, after the target funds are transferred, all transaction information can be recorded. After the review is passed, the target funds are transferred from the user's provident fund account. The funds are transferred to the target account and the corresponding consumption records are generated. The target account can be a bank account for a home loan, a landlord's rental payment account, a decoration company's payment account, etc.

[0069] At the same time, the flow of each fund is recorded to ensure the transparency and traceability of the transfer process. Should satisfy If the user's account balance is insufficient to cover the application amount, the fund transfer will be rejected and a reminder notification of insufficient balance will be sent to the user.

[0070] After the funds transfer is completed, the user's account balance is updated to:

[0071] After the transfer, the new balance is recorded in the user's account, and the balance update information is stored in the distributed ledger to ensure data integrity and security. To ensure the security of the fund transfer process, a variety of security mechanisms are used in the transfer process, including encrypted transmission, identity authentication, smart contracts, and authority management to ensure that funds are not tampered with or abused during the transfer process.

[0072] In the embodiment of the present application, after the target funds are transferred, a corresponding consumption record will be generated to record the use information of the funds flow. The consumption record is evidence of the flow of funds and can provide a basis for future reconciliation, auditing and supervision. Each fund transfer will generate a detailed consumption record, and these consumption records will be stored in the database. The record content includes the transfer amount, transfer time, account number of the user's provident fund account, target account information, transfer purpose and transaction serial number, etc.

[0073] If an error occurs or the transfer fails, stop the operation immediately and perform troubleshooting. Common reasons for transfer failure include incorrect account information, invalid target account, and network transmission problems. Immediately detect the cause when the transfer fails, and then try to re-execute the transfer operation. If it cannot be restored, notify the relevant administrators and users for manual intervention. In addition, when the transfer fails, send a notification to the user, explain the reason for the failure, and provide a solution. The user can choose to resubmit the application or modify the target account information.

[0074] Both users and regulatory authorities can query consumption records after funds are transferred. Users can view the use information of all funds in their provident fund accounts, and understand details such as the time, amount and purpose of each fund transfer. At the same time, the provident fund management center and regulatory authorities can also retrieve these records at any time for daily supervision and auditing. Users can view their provident fund usage information at any time through the provident fund account platform or mobile application. The query function of provident fund usage information is transparent and efficient. Users can filter according to time range, purpose of use and other conditions, so that users can understand the specific whereabouts of funds. Regulatory authorities can view the use information of provident funds of all users at any time through the database, and generate detailed reports to show the time, amount and purpose of fund transfer, helping regulatory authorities to promptly discover potential illegal operations or abnormal fund flows.

[0075] In the embodiment of the present application, the user account fund changes can be monitored in real time, and warnings can be issued for abnormal account balances, abnormal large fund flows, etc. Every fund flow is recorded and analyzed to ensure that the use of provident fund funds complies with national regulations. Set account abnormality flag When abnormal behavior is detected (such as abnormal account balance, abnormal large-amount fund withdrawal or transfer, abnormal fund flow), the alarm mechanism is triggered and further verification is carried out. At the same time, based on the corresponding prevention mechanism, the risk of abnormal fund flow in the future is reduced. These prevention mechanisms include strengthening account verification, optimizing the fund use review process, and improving anti-fraud capabilities.

[0076] The specific fund supervision process includes: 1. Check the balance of each account regularly to ensure that the balance is within a reasonable range. If the account balance is abnormal, such as a sudden and significant decrease or increase in the balance, analyze and judge immediately, and issue a timely alarm after confirming the abnormality. This abnormality may be caused by illegal withdrawal of funds or operational errors.

[0077] 2. Monitor users for abnormal large-amount withdrawal or transfer behavior by setting a detection threshold for large-amount fund flows. For example, if a user withdraws large amounts of funds multiple times in a short period of time, or the frequency of fund flows is significantly higher than historical records, the account will be marked as an abnormal account and the abnormal behavior will be further analyzed.

[0078] The formula for detecting large amount of funds flow is:

[0079] in, The total amount of funds withdrawn within a certain period of time. is the amount of funds withdrawn for the ith time, By monitoring the total amount of funds flowing, an alarm can be issued in time when the funds exceed the normal range.

[0080] 3. In addition to large-scale fund flows, the frequency of fund flows will also be detected. If an account frequently withdraws or transfers funds in a short period of time, it is judged that the fund flow frequency is abnormal. For example, if an account withdraws funds multiple times in a day, and the amount of each withdrawal is close to the set maximum limit, an abnormal warning will be issued.

[0081] Different levels of warnings are divided according to the severity of abnormal behavior, usually divided into low-level warnings, medium-level warnings and high-level warnings. Low-level warnings are mainly for some minor abnormal behaviors, such as occasional large-scale fund withdrawals, while high-level warnings are for obvious illegal operations or malicious fund transfers. Depending on the level of the warning, corresponding handling measures are taken. For example, a low-level warning may only require sending a prompt message to the user, while a high-level warning may result in the account being frozen and triggering a manual review.

[0082] When a serious anomaly is detected, the user's provident fund account is frozen to prevent any further withdrawal or transfer of funds. The purpose of account freezing is to prevent further outflow of funds and ensure the safety of funds. After the account is frozen, the user is required to provide additional identity verification or proof of fund use to confirm the legitimacy of the fund flow. The account can only be unfrozen after the abnormal situation is reasonably explained or the abnormal status is resolved.

[0083] After the early warning, the verification process of abnormal accounts is initiated, including reviewing the historical fund flow records of the account, reviewing the user's identity information, and re-verifying the use of funds. Through these verifications, the real cause of abnormal behavior is identified and whether there are any illegal fund operations. During the verification process, all relevant data are compiled into a report for detailed audit by the regulatory authorities. The regulatory authorities can make the final handling decision based on the provided report.

[0084] In some complex situations, it may not be possible to rely solely on algorithms and automated processes to solve the problem, and manual review is required. Manual review is usually conducted by staff from the Housing Provident Fund Management Center or other relevant agencies, who will conduct further analysis based on the data provided and the supporting documents submitted by the user. The intervention of manual review can provide a more flexible way to handle complex or special abnormal situations, ensuring that all potential risks can be identified and handled in a timely and accurate manner.

[0085] After the verification is completed, the results will be fed back to the user and relevant regulatory authorities. If violations are confirmed, further measures will be taken, such as freezing funds, recovering illegal funds, etc. If the user can provide legal and compliant documents, the abnormal mark will be removed and the account will be unfrozen.

[0086] Prevention mechanisms include: 1. Strengthen account verification. Regularly conduct security checks on users' accounts to ensure that their identity and account information are accurate. During the process of withdrawing and using funds, users are required to perform multiple identity verifications, such as SMS verification codes, fingerprints or facial recognition, to further improve account security.

[0087] 2. Optimize the fund use review process. Continuously optimize the review process for fund use applications and improve the accuracy of automated reviews. By introducing more dimensional data analysis, potential risk behaviors can be more effectively identified, thereby preventing abnormal fund flows from occurring during the review stage.

[0088] 3. Improve anti-fraud capabilities. By introducing advanced anti-fraud algorithms, more complex fraud behaviors can be identified, such as account theft, false transactions, etc. These algorithms can more accurately detect abnormal fund flow behaviors and take timely actions to deal with them.

[0089] The specific contents of the anti-fraud algorithm include: Analyze users' historical behavior patterns (such as login time, location, and operation frequency) to identify abnormal behavior; Use machine learning models to identify characteristics and patterns of fraudulent transactions and detect potential fraudulent activities in real time; Automatically trigger alerts based on set rules (such as amount threshold, transaction frequency) to identify suspicious transactions; By evaluating the user's reputation and history, a score is given, and transactions of low-scoring users will be subject to stricter review; Monitor real-time transaction data to promptly detect and block suspicious fund flows; Analyze the relationship network between users, identify unusual interaction patterns, and detect potential fraud networks; At the same time, multiple verification factors (such as biometrics and dynamic passwords) are combined to improve security and reduce the occurrence of fraud.

[0090] In the embodiment of the present application, daily fund settlement and reconciliation can also be performed to ensure that the fund information is accurate. At the end of the day, the final balance of the user's account is recorded. Reconciliation means checking the changes in funds in the user's account with the actual records after the end of the day to ensure that every fund flow is accurately recorded without omissions or errors.

[0091] At the end of each working day, all fund flows of the day are settled. Specifically, the fund changes of each user on the day are summarized, including the deposit, withdrawal, transfer and consumption records of funds, to form a fund settlement report at the end of the day.

[0092] The final daily balance of the user's provident fund account is calculated according to the following formula:

[0093] in, is the initial balance within the day, The amount withdrawn or consumed by the user for the kth time.

[0094] The specific process of reconciliation is to compare the fund flow records of each user with the database records to ensure that the two are completely consistent. The core steps of reconciliation include: checking the time, amount, identity information of the relevant operator, and the channel of fund inflow or outflow for each fund deposit and withdrawal. The purpose of reconciliation is to ensure that each fund change is consistent with the actual transaction, and all fund changes can be found in the database. This can avoid fund loss or account abnormality due to system errors or human errors.

[0095] In addition, dynamic supervision reports on fund flows can be generated regularly, including user fund inflow and outflow records, as well as account abnormalities and other information. The dynamic supervision reports are reviewed by the Housing Provident Fund Management Center to ensure that funds are operated in compliance with regulations.

[0096] The specific process of generating regulatory reports is as follows: 1. After the daily settlement and reconciliation, all fund flow records for the day are collected, including fund inflows, outflows, account balance changes, and various fund use applications and audit records generated. At the same time, each user's account activities are recorded, including account balances, fund use applications and consumption. All data will be summarized as the basic data for regulatory reports.

[0097] 2. Conduct further analysis based on the aggregated data, especially focusing on whether the flow of funds in the user's account complies with the requirements of national laws and regulations, and whether the purpose of the use of funds is reasonable. For example, check whether the housing provident fund withdrawn by the user is used for legal purposes (such as buying a house, renting a house, etc.). Identify abnormal flows of account funds, including frequent large withdrawals, sudden freezing or unfreezing of funds, and fund outflows from accounts far exceeding normal levels. These abnormal activities will be listed separately in the regulatory report and a risk assessment will be generated.

[0098] 3. For abnormal accounts or fund activities detected, the regulatory report will mark the specific abnormalities and provide corresponding handling suggestions to the regulatory authorities. For example, it will indicate that there is an unusual large amount of fund outflow from a certain account, and further verification is needed to determine whether it involves illegal use of housing provident funds. In addition, different levels of warnings are set according to the severity of the abnormal situation, and regulatory authorities are advised to take different levels of investigation or handling measures to help managers monitor and control risks more effectively.

[0099] 4. Conduct compliance review on all fund flows and account activities, including the legality of the user's withdrawal of provident funds and the legality of the use of funds. If it is found that the purpose of the user's withdrawal of provident funds does not comply with regulations, it will be marked as a compliance issue and listed in detail in the regulatory report. The compliance review report will provide the regulatory agency with the details of each fund flow and the review results to ensure that the use of each provident fund can be tracked and verified to prevent the funds from being abused or diverted for other purposes.

[0100] 5. After completing data analysis and processing, a detailed regulatory report is generated. The report will include multiple parts, such as fund flow summary, account status changes, compliance review results, abnormal warnings and handling suggestions. After the regulatory report is generated, it will be distributed to the relevant departments of the Housing Provident Fund Management Center, and can also be sent to higher-level regulatory agencies for review as needed.

[0101] By generating detailed reports regularly, we ensure that all fund flows for housing provident fund deposits and use are fully transparent to regulators. Any inflow, outflow, transfer and other operations of funds will be clearly recorded for review by regulators. The report contains detailed records and analysis of abnormal account activities, which helps regulators monitor the risk status of accounts. By analyzing the changes in funds in the account, potential abnormal account behavior is marked to help timely warning. The regulatory report not only reflects the flow of funds in a certain period of time, but also serves as a basis for future analysis and forecasting. After the report is generated, the data will be stored for a long time for the management center or relevant institutions to review and analyze at any time.

[0102] By implementing the above steps 101 to 105, the sender of the received provident fund withdrawal application information can be authenticated, and after the identity authentication is passed, the provident fund withdrawal application information can be reviewed and the target user can be qualified. Only when the review of the provident fund withdrawal application information and the qualification review of the target user are passed, the provident fund can be transferred to the target account of the target user later, thereby improving the security of the housing provident fund. In addition, the present application can also improve the security of the account. In addition, the present application can also improve the efficiency of the review of the provident fund withdrawal application information. In addition, the present application can also improve the accuracy of the qualification review of the provident fund withdrawal of the target user. In addition, the present application can also ensure the accuracy of the use of the provident fund.

[0103] The present application also provides an application scenario, which applies the above-mentioned method for dynamic supervision of housing provident fund funds. Specifically: the method for dynamic supervision of housing provident fund funds provided in this embodiment can be applied in the scenario of provident fund withdrawal application. The user submits the provident fund withdrawal application information, and the provident fund withdrawal application information and the user are reviewed. After the provident fund withdrawal application information and the user are reviewed and approved, the target funds are transferred to the user's target account. The method for dynamic supervision of housing provident fund funds provided in this embodiment belongs to the link of reviewing the provident fund withdrawal application information and the user, and transferring the target funds to the user's target account after the provident fund withdrawal application information and the user are reviewed and approved.

[0104] Based on the same inventive concept, the embodiment of the present application also provides a housing provident fund dynamic supervision system for implementing the housing provident fund dynamic supervision method involved above. The implementation scheme for solving the problem provided by the system is similar to the implementation scheme recorded in the above method, so the specific limitations in one or more housing provident fund dynamic supervision system embodiments provided below can refer to the limitations of the housing provident fund dynamic supervision method above, and will not be repeated here.

[0105] In an exemplary embodiment, Figure 2 As shown, a housing provident fund dynamic supervision system is provided, including: The acquisition unit 201 is used to, when detecting the input housing fund withdrawal application information, acquire the account information corresponding to the housing fund withdrawal application information, and collect the personal information of the target user who inputs the housing fund withdrawal application information; An authentication unit 202, configured to perform identity authentication based on the account information and the personal information to obtain an identity authentication result; A first review unit 203 is configured to review the provident fund withdrawal application information to obtain a first review result if the identity authentication result indicates that the personal information matches the account information; The second review unit 204 is used to conduct a qualification review on the target user based on the provident fund withdrawal application information to obtain a second review result if the first review result indicates that the provident fund withdrawal application information has been reviewed and approved; the second review result is used to indicate whether the target user has passed the qualification review.

[0106] As an optional implementation, the personal information includes at least a face image, a fingerprint image, and a touch vibration signal. The authentication unit 202 performs identity authentication based on the account information and the personal information. The way to obtain the identity authentication result may be: Performing feature recognition on the face image and the fingerprint image respectively to obtain face features of the face image and fingerprint features of the fingerprint image; Decoding the touch-vibration signal to obtain a decoded touch-vibration feature; Encoding the decoded tactile vibration feature to obtain a target tactile vibration feature; Acquire initial facial features, initial fingerprint features, and initial touch vibration features from the account information; Comparing the facial features with initial facial features to obtain facial feature comparison results; If the facial feature comparison result indicates that the facial feature matches the initial facial feature, then comparing the fingerprint feature with the initial fingerprint feature to obtain a fingerprint feature comparison result; If the fingerprint feature comparison result indicates that the fingerprint feature matches the initial fingerprint feature, then comparing the target tactile vibration feature with the initial tactile vibration feature to obtain a tactile vibration feature comparison result; If the comparison result of the touch vibration features indicates that the target touch vibration features match the initial touch vibration features, the personal information is matched with the account information and determined as an identity authentication result.

[0107] Among them, by implementing this implementation method, the current user of the account and the original account holder can be compared through facial images, fingerprint images and touch vibration signals. Only when the facial feature comparison, fingerprint feature comparison and touch vibration feature comparison are all passed, can it be considered that the current user and the original account holder are the same person, thereby improving the security of the account.

[0108] As an optional implementation, the authentication unit 202 is further configured to: Before matching the personal information with the account information to determine as the identity authentication result, obtaining historical login time, historical login location, historical IP address and historical login frequency interval from the account information; wherein the historical login time is at least one, the historical login location is at least one, and the historical IP address is at least one; Obtain the current login time, current login location, current IP address and previous login time of the current account that initiated the provident fund withdrawal application information; Calculate the current login frequency of the current account based on the current login time and the previous login time; Comparing the current login time with the historical login time to obtain a first comparison result; If the first comparison result indicates that the current login time matches any historical login time, then the current login location is compared with the historical login location to obtain a second comparison result; If the second comparison result indicates that the current login location matches any of the historical login locations, then the current IP address is compared with the historical IP address to obtain a third comparison result; If the third comparison result indicates that the current IP address matches any historical IP address, then the current login frequency is compared with the historical login frequency interval to obtain a fourth comparison result; If the fourth comparison result indicates that the current login frequency is within the historical login frequency range, it is determined that the current account is safe.

[0109] Among them, by implementing this implementation method, the login location, login IP address and login time of the current account can be compared with the historical login location, historical IP address, historical login time and historical login frequency of the account. Only when the login location, login IP address, login time, login frequency of the current account match the historical login location, historical IP address, historical login time and historical login frequency, can the account be considered to be in normal use, thereby improving the security of account use.

[0110] As an optional implementation manner, the first review unit 203 reviews the provident fund withdrawal application information, and the manner of obtaining the first review result may specifically be: Determine the target application type and current application documents from the provident fund withdrawal application information; Acquire a set of standard application document templates matching the target application type; wherein the set of standard application document templates includes at least one standard application document template; Determine the template type of each standard application document template and the current file type of each current application document; Compare the current file type with the template type to obtain a type comparison result; If the type comparison result indicates that the current file type corresponds to the template type one by one, then text recognition is performed on the current application file to obtain current application information; The current application information is reviewed based on each standard application document template to obtain a first review result.

[0111] Among them, by implementing this implementation method, the current application information in the provident fund withdrawal application information can be obtained through text recognition technology, and the current application information can be compared with the standard application document template. Only when the current application information matches the standard application document template, can the provident fund withdrawal application information submitted by the user be considered to have passed the review, so that the provident fund withdrawal application information submitted by the user can be quickly and preliminarily reviewed, thereby improving the review efficiency of the provident fund withdrawal application information.

[0112] As an optional implementation, the second review unit 204 conducts qualification review on the target user according to the provident fund withdrawal application information, and the second review result can be obtained in the following manner: Obtain the historical deposit duration and current account balance of the target user; Determine the shortest deposit period and minimum account balance corresponding to the target application type; If the historical deposit duration is greater than or equal to the shortest deposit duration and the current account balance is greater than or equal to the minimum account balance, the qualification review of the target user is determined to be qualified as the second review result.

[0113] Among them, by implementing this implementation method, the target user's historical deposit period and current account balance can be compared with the minimum deposit period and minimum account balance required by the target application type. If the historical deposit period is greater than or equal to the shortest deposit period and the current account balance is greater than or equal to the minimum account balance, the target user's qualification review is determined to be qualified, thereby improving the accuracy of the target user's qualification review for provident fund withdrawal.

[0114] As an optional implementation manner, the second review unit 204 is further configured to: After obtaining the second audit result, if the second audit result indicates that the target user's qualification review is passed, determining the target funds according to the provident fund withdrawal application information; Transferring the target funds to the target account included in the provident fund withdrawal application information; Generate fund flow record information according to the account information and the target funds, and store the fund flow record information in the account information; Furthermore, the second audit unit 204 is further configured to: After the target funds are transferred to the target account included in the provident fund withdrawal application information, a funds destination notification request is sent to the target account, so that the target account can feedback usage information of the target funds; Acquire the provident fund usage type from the provident fund withdrawal application information; Comparing the usage information with the provident fund usage type to obtain a provident fund usage comparison result; If the comparison result of the provident fund usage indicates that the usage information is consistent with the provident fund usage type, then it is determined that the usage of the target funds is normal; If the provident fund usage comparison result indicates that the usage information is inconsistent with the provident fund usage type, an alarm message is sent to the terminal device corresponding to the provident fund management personnel; wherein, the alarm message is used to prompt that the target funds are used in violation of regulations.

[0115] Among them, by implementing this implementation method, after the provident fund is allocated, the usage information of the target funds can be obtained, and the usage information can be audited. If the usage information is inconsistent with the usage type of the provident fund, it can be considered that the target user has illegally misappropriated the provident fund. At this time, an alarm message can be sent to the provident fund management personnel so that the provident fund management personnel can deal with the flow of funds in a timely manner, thereby ensuring the accuracy of the use of the provident fund.

[0116] By implementing the above implementation mode, the sender of the received provident fund withdrawal application information can be authenticated, and after the identity authentication is passed, the provident fund withdrawal application information can be reviewed and the target user can be qualified. Only when the review of the provident fund withdrawal application information and the qualification review of the target user are passed, the provident fund can be transferred to the target account of the target user, thereby improving the security of the housing provident fund. In addition, the present application can also improve the security of the account. In addition, the present application can also improve the efficiency of the review of the provident fund withdrawal application information. In addition, the present application can also improve the accuracy of the qualification review of the provident fund withdrawal of the target user. In addition, the present application can also ensure the accuracy of the use of the provident fund.

[0117] In an exemplary embodiment, a computer device is provided. The computer device may be a server or a terminal. The internal structure diagram thereof may be as follows: Figure 3 As shown. The computer device includes a processor, a memory, an input / output interface (Input / Output, referred to as I / O) and a communication interface. Among them, the processor, the memory and the input / output interface are connected through a system bus, and the communication interface is connected to the system bus through the input / output interface. Among them, the processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program and a database. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The database of the computer device is used to store video tag processing data. The input / output interface of the computer device is used to exchange information between the processor and an external device. The communication interface of the computer device is used to communicate with an external terminal through a network connection. When the computer program is executed by the processor, a method for dynamic supervision of funds of a housing provident fund is implemented.

[0118] Those skilled in the art will understand that Figure 3 The structure shown in the figure is only a block diagram of a part of the structure related to the solution of the present application, and does not constitute a limitation on the computer device to which the solution of the present application is applied. The specific computer device may include more or fewer components than those shown in the figure, or combine certain components, or have a different arrangement of components.

[0119] In an exemplary embodiment, a computer device is further provided, including a memory and a processor, wherein a computer program is stored in the memory, and the processor implements the steps in the above-mentioned method embodiments when executing the computer program.

[0120] In an exemplary embodiment, a computer-readable storage medium is provided, storing a computer program, and when the computer program is executed by a processor, the steps in the above method embodiments are implemented.

[0121] In an exemplary embodiment, a computer program product is provided, including a computer program, and when the computer program is executed by a processor, the steps in the above method embodiments are implemented.

[0122] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties, and the collection, use and processing of relevant data must comply with relevant regulations.

[0123] Those skilled in the art can understand that all or part of the processes in the above-mentioned embodiment methods can be completed by instructing the relevant hardware through a computer program, and the computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, any reference to the memory, database or other medium used in the embodiments provided in this application can include at least one of non-volatile and volatile memory. Non-volatile memory can include read-only memory (ROM), magnetic tape, floppy disk, flash memory, optical memory, high-density embedded non-volatile memory, resistive random access memory (ReRAM), magnetoresistive random access memory (MRAM), ferroelectric random access memory (FRAM), phase change memory (PCM), graphene memory, etc. Volatile memory can include random access memory (RAM) or external cache memory, etc. By way of illustration and not limitation, RAM may be in various forms, such as Static Random Access Memory (SRAM) or Dynamic Random Access Memory (DRAM).

[0124] The database involved in each embodiment provided in this application may include at least one of a relational database and a non-relational database. The non-relational database may include a distributed database based on blockchain, etc., but is not limited thereto. The processor involved in each embodiment provided in this application may be a general-purpose processor, a central processing unit, a graphics processor, a digital signal processor, a programmable logic device, a data processing logic device based on quantum computing, etc., but is not limited thereto.

[0125] The technical features of the above embodiments may be arbitrarily combined. To make the description concise, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this specification.

[0126] This article uses specific examples to illustrate the principles and implementation methods of this application. The description of the above embodiments is only used to help understand the method and core ideas of this application. At the same time, for those skilled in the art, according to the ideas of this application, there will be changes in the specific implementation methods and application scope. In summary, the content of this specification should not be understood as limiting this application.

Claims

1. A method for dynamic supervision of housing provident fund, characterized in that: The dynamic supervision method of housing provident fund funds includes: When receiving the housing fund withdrawal application information, obtaining the account information corresponding to the housing fund withdrawal application information, and collecting the personal information of the target user who inputs the housing fund withdrawal application information; Perform identity authentication based on the account information and the personal information to obtain an identity authentication result; If the identity authentication result indicates that the personal information matches the account information, the provident fund withdrawal application information is reviewed to obtain a first review result; If the first audit result indicates that the provident fund withdrawal application information has been reviewed and approved, the target user is subject to qualification review based on the provident fund withdrawal application information to obtain a second audit result; the second audit result is used to indicate whether the target user has passed the qualification review.

2. The method for dynamic supervision of housing provident fund according to claim 1, characterized in that: The personal information includes at least a face image, a fingerprint image, and a touch vibration signal, and the identity authentication is performed based on the account information and the personal information to obtain the identity authentication result, which specifically includes: Performing feature recognition on the face image and the fingerprint image respectively to obtain face features of the face image and fingerprint features of the fingerprint image; Decoding the touch-vibration signal to obtain a decoded touch-vibration feature; Encoding the decoded tactile vibration feature to obtain a target tactile vibration feature; Acquire initial facial features, initial fingerprint features, and initial touch vibration features from the account information; Comparing the facial features with initial facial features to obtain facial feature comparison results; If the facial feature comparison result indicates that the facial feature matches the initial facial feature, then comparing the fingerprint feature with the initial fingerprint feature to obtain a fingerprint feature comparison result; If the fingerprint feature comparison result indicates that the fingerprint feature matches the initial fingerprint feature, then comparing the target tactile vibration feature with the initial tactile vibration feature to obtain a tactile vibration feature comparison result; If the comparison result of the touch vibration features indicates that the target touch vibration features match the initial touch vibration features, the personal information is matched with the account information and determined as an identity authentication result.

3. The method for dynamic supervision of housing provident fund according to claim 2, characterized in that: Before matching the personal information with the account information to determine the identity authentication result, the method further includes: Obtaining historical login time, historical login location, historical IP address and historical login frequency interval from the account information; wherein the historical login time is at least one, the historical login location is at least one, and the historical IP address is at least one; Obtain the current login time, current login location, current IP address and previous login time of the current account that initiated the provident fund withdrawal application information; Calculate the current login frequency of the current account based on the current login time and the previous login time; Comparing the current login time with the historical login time to obtain a first comparison result; If the first comparison result indicates that the current login time matches any historical login time, then the current login location is compared with the historical login location to obtain a second comparison result; If the second comparison result indicates that the current login location matches any of the historical login locations, then the current IP address is compared with the historical IP address to obtain a third comparison result; If the third comparison result indicates that the current IP address matches any historical IP address, then the current login frequency is compared with the historical login frequency interval to obtain a fourth comparison result; If the fourth comparison result indicates that the current login frequency is within the historical login frequency range, it is determined that the current account is safe.

4. The method for dynamic supervision of housing provident fund according to claim 1, characterized in that: The review of the provident fund withdrawal application information to obtain a first review result specifically includes: Determine the target application type and current application documents from the provident fund withdrawal application information; Acquire a set of standard application document templates matching the target application type; wherein the set of standard application document templates includes at least one standard application document template; Determine the template type of each standard application document template and the current file type of each current application document; Compare the current file type with the template type to obtain a type comparison result; If the type comparison result indicates that the current file type corresponds to the template type one by one, then text recognition is performed on the current application file to obtain current application information; The current application information is reviewed based on each standard application document template to obtain a first review result.

5. The method for dynamic supervision of housing provident fund according to claim 4, characterized in that: The step of conducting qualification review on the target user according to the provident fund withdrawal application information to obtain a second review result specifically includes: Obtain the historical deposit duration and current account balance of the target user; Determine the shortest deposit period and minimum account balance corresponding to the target application type; If the historical deposit duration is greater than or equal to the shortest deposit duration and the current account balance is greater than or equal to the minimum account balance, the qualification review of the target user is determined to be qualified as the second review result.

6. The method for dynamic supervision of housing provident fund according to claim 1, characterized in that: After obtaining the second audit result, the method further includes: If the second review result indicates that the target user's qualification review has passed, determining the target funds according to the provident fund withdrawal application information; Transferring the target funds to the target account included in the provident fund withdrawal application information; Generate fund flow record information according to the account information and the target funds, and store the fund flow record information in the account information; Furthermore, after the target funds are transferred to the target account included in the provident fund withdrawal application information, the method further includes: Sending a funds destination notification request to the target account, so that the target account can feedback the usage information of the target funds; Acquire the provident fund usage type from the provident fund withdrawal application information; Comparing the usage information with the provident fund usage type to obtain a provident fund usage comparison result; If the comparison result of the provident fund usage indicates that the usage information is consistent with the provident fund usage type, then it is determined that the usage of the target funds is normal; If the provident fund usage comparison result indicates that the usage information is inconsistent with the provident fund usage type, an alarm message is sent to the terminal device corresponding to the provident fund management personnel; wherein, the alarm message is used to prompt that the target funds are used in violation of regulations.

7. A housing provident fund dynamic supervision system, characterized in that: The housing provident fund dynamic supervision system includes: an acquisition unit, configured to, when detecting the input housing fund withdrawal application information, acquire the account information corresponding to the housing fund withdrawal application information, and collect the personal information of the target user who inputs the housing fund withdrawal application information; An authentication unit, configured to perform identity authentication based on the account information and the personal information, and obtain an identity authentication result; A first review unit, configured to review the provident fund withdrawal application information to obtain a first review result if the identity authentication result indicates that the personal information matches the account information; The second review unit is used to conduct a qualification review on the target user based on the provident fund withdrawal application information to obtain a second review result if the first review result indicates that the provident fund withdrawal application information has been reviewed and approved; the second review result is used to indicate whether the target user has passed the qualification review.

8. A computer device comprising: A memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor executes the computer program to implement the steps of the method for dynamic supervision of housing provident fund according to any one of claims 1 to 6.

9. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the steps of the method for dynamic supervision of housing provident fund described in any one of claims 1 to 6 are implemented.

10. A computer program product, comprising a computer program, characterized in that When the computer program is executed by a processor, the steps of the method for dynamic supervision of housing provident fund described in any one of claims 1 to 6 are implemented.

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