Commission settlement auditing method, system, device and equipment

Abstract

The invention provides a commission settlement auditing method, system, device and equipment, and relates to the technical field of data processing. The method comprises the following steps: acquiring a commission settlement list of a channel provider, extracting a plurality of settlement users from the commission settlement list, and summarizing to obtain a first user list; obtaining a user state list, and screening out a plurality of settlement users whose user states are abnormal states from the plurality of settlement users in the first user list according to the user state list to obtain a second user list; obtaining a user settlement list, and screening out a plurality of settlement users whose commission settlement amount is greater than a preset amount threshold from the plurality of settlement users in the second user list according to the user settlement list to obtain a third user list; and auditing the channel provider according to the third user list. According to the method, the problem that manual auditing cannot completely avoid commission error and more expenditure is solved.

Description

Technical Field

[0001] The present application relates to the field of data processing, and in particular to a commission settlement audit method, system, device and equipment. Background Art

[0002] Commission settlement is an important cost expenditure for telecom operators, so commission settlement needs to be audited regularly. According to the commission policy, telecom operators only settle commissions to normal users of channel partners. However, in actual operations, some users in abnormal status are mistakenly included in commission settlement, which violates the requirements of the commission policy and leads to erroneous commission expenditure.

[0003] Under current technical conditions, telecom operators mainly rely on manual auditing to ensure the accuracy of commission settlement. Although this method guarantees the accuracy of commission settlement to a certain extent, it is difficult to completely avoid the problem of commission overpayment due to the large user base and the difficulty of normalizing and automating manual auditing. Summary of the invention

[0004] The present application provides a commission settlement audit method, system, device and equipment to solve the problem that manual auditing is difficult to completely avoid erroneous commission expenditures.

[0005] A first aspect of the present application provides a commission settlement audit method, which is applied to a commission settlement audit device, and the method includes:

[0006] Obtain the commission settlement list of the channel dealer, extract multiple settlement users from the commission settlement list, and summarize them to obtain a first user list;

[0007] Obtaining a user status list, and filtering out multiple settlement users whose user status is abnormal from multiple settlement users in the first user list according to the user status list, to obtain a second user list; wherein the user status list includes the user status of each settlement user, and the user status is normal or abnormal;

[0008] Obtaining a user settlement list, and based on the user settlement list, screening out multiple settlement users whose commission settlement amounts are greater than a preset amount threshold from multiple settlement users in the second user list, to obtain a third user list; wherein the user settlement list includes the commission settlement amount of each settlement user;

[0009] Audit channel partners based on the third-party user list.

[0010] In a possible design, according to the user status list, multiple settlement users with abnormal user status are screened out from multiple settlement users in the first user list to obtain a second user list, including:

[0011] Connecting the user status list with the first user list to obtain a fourth user list; wherein the fourth user list includes multiple settlement users in the first user list and the user status of each settlement user;

[0012] Filtering multiple settlement users whose user status is abnormal from the fourth user list to obtain a second user list;

[0013] According to the user settlement list, multiple settlement users whose commission settlement amount is greater than a preset amount threshold are screened out from the multiple settlement users in the second user list to obtain a third user list, including:

[0014] Connecting the user settlement list with the second user list to obtain a fifth user list; wherein the fifth user list includes multiple settlement users in the second user list and the user settlement amount of each settlement user;

[0015] From the fifth user list, multiple settlement users whose commission settlement amounts are greater than a preset amount threshold are screened to obtain a third user list.

[0016] In a possible design, channel partners are audited based on the third-party user list, including:

[0017] According to the third user list, the number of abnormal users and / or the abnormal commission settlement amount of the channel dealer are calculated; wherein the number of abnormal users refers to the number of multiple settlement users in the third user list, and the abnormal commission settlement amount refers to the sum of the commission settlement amounts of the multiple settlement users in the third user list;

[0018] Determine the risk level of the channel partner based on the abnormal number of users and / or abnormal amount of commission settlement.

[0019] In a possible design, the risk level of the channel dealer is determined based on the abnormal number of users and / or abnormal amount of commission settlement, including:

[0020] The risk level of the channel dealer is determined from multiple preset risk levels based on the numerical relationship between the number of abnormal users and multiple preset number intervals, and / or the numerical relationship between the abnormal amount of commission settlement and multiple preset amount intervals.

[0021] In a possible design, after determining the risk level of the channel dealer according to the abnormal number of users and / or the abnormal amount of commission settlement, the method further includes:

[0022] Determine the management server of the channel dealer according to the risk level;

[0023] The third-party user list and the channel dealer's signature are pushed to the management server; wherein the management server refers to the server that interacts with the commission management personnel.

[0024] In a possible design, the commission settlement list of the channel dealer is obtained, including:

[0025] Get the commission settlement list from the channel server;

[0026] Get user status list, including:

[0027] Get the user status list from the user server;

[0028] Get the user settlement list, including:

[0029] Get the user's settlement list from the settlement server.

[0030] In one possible design, the commission settlement audit device is connected to the channel server, user server and settlement server through blockchain respectively;

[0031] Before obtaining the user status list from the user server, the method further includes:

[0032] Broadcast an audit message in the blockchain; wherein the audit message includes the first user list and the channel operator's signature.

[0033] A second aspect of the present application provides a commission settlement audit system, the system comprising:

[0034] A channel server, a user server and a settlement server, and a commission settlement audit device connected to the channel server, the user server and the settlement server respectively through the blockchain;

[0035] Among them, the commission settlement auditing device is used to implement the commission settlement auditing method of any one of the first aspects.

[0036] A third aspect of the present application provides a commission settlement auditing device, the device comprising:

[0037] A user extraction module is used to obtain the commission settlement list of the channel business, and extract multiple settlement users from the commission settlement list to obtain a first user list;

[0038] The first screening module is used to obtain a user status list, and according to the user status list, screen out a plurality of settlement users whose user status is abnormal from the plurality of settlement users in the first user list, to obtain a second user list; wherein the user status list includes the user status of each settlement user, and the user status is normal or abnormal;

[0039] The second screening module is used to obtain a user settlement list, and according to the user settlement list, screen out multiple settlement users whose commission settlement amount is greater than a preset amount threshold from the multiple settlement users in the second user list, to obtain a third user list; wherein the user settlement list includes the commission settlement amount of each settlement user;

[0040] The audit module is used to audit channel partners based on the third-party user list.

[0041] A fourth aspect of the present application provides an electronic device, comprising: a memory, and a memory communicatively connected to a processor;

[0042] Memory stores computer-executable instructions;

[0043] When the processor executes the computer-executable instructions stored in the memory, it is used to implement the commission settlement audit method of any one of the first aspects.

[0044] The fifth aspect of the present application provides a computer-readable storage medium, in which computer-executable instructions are stored. When the computer-executable instructions are executed by a processor, they are used to implement the commission settlement audit method of any one of the first aspects.

[0045] The sixth aspect of the present application provides a computer program product, including a computer program, which, when executed by a processor, is used to implement the commission settlement audit method of any one of the first aspects.

[0046] The present application provides a commission settlement audit method, system, device and equipment, which includes: obtaining the commission settlement list of the channel business, extracting multiple settlement users from the commission settlement list, and summarizing to obtain a first user list; obtaining a user status list, and filtering out multiple settlement users with abnormal user status from multiple settlement users in the first user list according to the user status list, and obtaining a second user list; obtaining a user settlement list, and filtering out multiple settlement users with commission settlement amounts greater than a preset amount threshold from multiple settlement users in the second user list according to the user settlement list, and obtaining a third user list; auditing the channel business according to the third user list. The following technical effects are achieved: obtaining the first user list according to the commission settlement list, and filtering the first user list according to the user status and commission settlement amount to obtain the third user list, reducing the amount of data to be audited, and solving the problem that the number of users of telecom operators is large and auditing is prone to omissions and errors; obtaining the commission settlement list and the third user list in a timed or manually triggered manner, and auditing the channel business according to the third user list, solving the problem that manual auditing cannot achieve automatic identification and early warning of the auditing process. BRIEF DESCRIPTION OF THE DRAWINGS

[0047] In order to more clearly illustrate the technical solutions in the present application or the prior art, a brief introduction is given below to the drawings required for use in the embodiments or the description of the prior art. Obviously, the drawings described below are some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative work.

[0048] Figure 1 A schematic diagram of a scenario of a commission settlement audit method provided in an embodiment of the present application;

[0049] Figure 2 Schematic diagram of the process of commission settlement audit method provided in the embodiment of the present application Figure 1 ;

[0050] Figure 3 Schematic diagram of the process of commission settlement audit method provided in the embodiment of the present application Figure 2 ;

[0051] Figure 4 A schematic diagram of the structure of the commission settlement and auditing system provided in the embodiment of the present application;

[0052] Figure 5 A schematic diagram of the structure of a commission settlement and auditing device provided in an embodiment of the present application;

[0053] Figure 6 A schematic diagram of the structure of an electronic device provided in an embodiment of the present application.

[0054] Reference numerals:

[0055] 110-channel server; 120-user server; 130-settlement server; 140-commission settlement audit device; 150-management server; 510-user extraction module; 520-first screening module; 530-second screening module; 540-audit module; 610-processor; 620-memory; 630-communication component; 640-bus. DETAILED DESCRIPTION

[0056] Exemplary embodiments will be described in detail herein, examples of which are shown in the accompanying drawings. When the following description refers to the drawings, the same numbers in different drawings represent the same or similar elements unless otherwise indicated. The implementations described in the following exemplary embodiments do not represent all implementations consistent with the present application. Instead, they are merely examples of devices and methods consistent with some aspects of the present application as detailed in the appended claims.

[0057] In the present application, words such as "first" and "second" are used to distinguish between identical or similar items with substantially the same functions and effects. Those skilled in the art will understand that words such as "first" and "second" do not limit the quantity and execution order, and words such as "first" and "second" do not necessarily limit the difference. It should be noted that in the present application, words such as "exemplary" or "for example" are used to indicate examples, illustrations or explanations. Any embodiment or design described as "exemplary" or "for example" in the present application should not be interpreted as being more preferred or more advantageous than other embodiments or designs. Specifically, the use of words such as "exemplary" or "for example" is intended to present related concepts in a specific way. In the present application, "at least one" refers to one or more, and "more" refers to two or more.

[0058] It should be noted that the term "at the time of..." in this application can be the moment when a certain situation occurs, or a period of time after a certain situation occurs, and this application does not specifically limit this. In addition, the commission settlement audit method provided in this application is only used as an example, and the commission settlement audit method may also include more or less content.

[0059] In order to clearly describe the technical solution of this application, some terms and technologies involved in this application are briefly introduced below:

[0060] Telecom operator: refers to an enterprise that provides telecommunication services, including telephone, Internet access and data transmission services.

[0061] Channel partners: refers to third-party agents or partners who help telecom operators sell products or services.

[0062] Commission: refers to the sales commission or reward paid by telecom operators to channel partners at a certain ratio based on the agreement between them.

[0063] Users in abnormal status: refers to users whose service is suspended, account cancelled or ported out during the settlement period.

[0064] The technical solution of the present application is described in detail with specific embodiments below. The following specific embodiments can be combined with each other, and the same or similar concepts or processes may not be repeated in some embodiments. The present application will be described below in conjunction with the accompanying drawings.

[0065] In order to clearly understand the technical solution of the present application, the solution of the prior art is first introduced in detail.

[0066] Commission settlement is an important cost expenditure for telecom operators, so commission settlement needs to be audited regularly. According to the commission policy, telecom operators only settle commissions to normal users of channel partners. However, in actual operations, due to software defects, data update delays, manual errors and inconsistent policy implementation, some users in abnormal states are mistakenly included in commission settlement, which violates the requirements of the commission policy and leads to erroneous commission expenditure.

[0067] Under current technical conditions, telecom operators mainly rely on manual auditing to ensure the accuracy of commission settlement. Manual auditing relies on manual operation, which requires a lot of manpower and time. Auditors need to check commission data one by one to check whether there are calculation errors, omissions or repeated payments. However, due to the large number of users of telecom operators, the amount of commission data generated every day is also very large. Manual auditing is difficult to cope with such a large amount of data, and it is easy to make omissions and errors. In addition, manual auditing is difficult to achieve normalization and automation. Each audit needs to be re-performed manually, and automatic identification and early warning of the audit process cannot be achieved. Therefore, although manual auditing can guarantee the accuracy of commission settlement to a certain extent, due to its limitations, it is difficult to completely avoid the problem of commission errors and overpayments.

[0068] In addition, since manual audits can only check data one by one and cannot conduct systematic analysis of the data, it is impossible to determine the risk level of the channel dealers, resulting in an inability to determine which risks that may result in greater losses should be prioritized.

[0069] Therefore, in response to the above technical issues, the research found that in order to solve this problem, it is planned to use intelligent means to automatically screen and warn users who do not comply with the commission policy. First, according to the commission settlement list, determine the settlement period and settlement users; secondly, according to the requirements of the commission policy, that is, the user status and commission settlement amount requirements, automatically screen the settlement users within the settlement period, and screen out the settlement users who do not meet the commission policy requirements; finally, for the screened settlement users, take the channel merchant as the unit, summarize the number of abnormal users and / or abnormal commission settlement amount of the channel merchant, and use this to determine the risk level of the channel merchant and perform related operations.

[0070] The embodiments of the present application provide a commission settlement audit method, system, device and equipment that can be used in the field of data processing technology, and aim to solve the above technical problems of the prior art based on the above technical concept.

[0071] The following is an introduction to the application scenarios of the commission settlement audit method provided by this application.

[0072] Figure 1 A schematic diagram of a scenario of a commission settlement audit method provided in an embodiment of the present application. It should be noted that: Figure 1 What is shown are merely examples of scenarios in which the present application can be applied, to help those skilled in the art understand the technical content of the present application, but it does not mean that the present application cannot be used in other devices, systems, environments or scenarios.

[0073] like Figure 1 As shown, the application scenario includes a commission settlement audit system, which may include: a channel server 110, a user server 120 and a settlement server 130, and a commission settlement audit device 140 respectively connected to the channel server 110, the user server 120 and the settlement server 130 through blockchain.

[0074] Blockchain technology can provide a transparent data traceability mechanism, allowing commission managers to clearly understand the audit process and results; at the same time, through blockchain technology, it can ensure that the data in the commission settlement audit process cannot be tampered with, thereby improving the credibility and security of the data.

[0075] The channel server 110 may be a server using a relational database or a distributed storage system to support efficient data query and update. The channel server 110 is used to store and manage the commission settlement list of the channel merchant, which may be formulated by the channel merchant, or by a telecommunications operator, or by at least one other institution. Upon receiving a data acquisition request from the commission settlement audit device 140, the channel server 110 pushes the commission settlement list to the commission settlement audit device 140, or the channel server 110 pushes the commission settlement list to the commission settlement audit device 140 at a fixed time.

[0076] The user server 120 may be a server using a real-time database or a cache system to ensure timely updating and accuracy of the user status. The user server 120 is used to store and manage the user status of the user. It may store only the user status of the settlement user, or it may store the user status of all users, where all users include settlement users and non-settlement users. Upon receiving the audit message broadcast by the commission settlement audit device 140, the user server 120 pushes the user status to the commission settlement audit device 140. It should be noted that when the user server 120 pushes the user status of all users, the commission settlement audit device 140 is also used to filter out the user status of the settlement user.

[0077] The settlement server 130 may be a server using a high-performance computing cluster and a distributed storage system to support large-scale data processing and real-time settlement. The settlement server 130 is used to store and manage the user's telecommunications bill, which includes the commission settlement amount; in other scenarios, the telecommunications bill may also include the call settlement amount, the traffic settlement amount, and the SMS settlement amount, etc. The user server 120 determines the user status based on the user's telecommunications bill. Upon receiving the audit message broadcast by the commission settlement audit device 140, the settlement server 130 pushes the telecommunications bill to the commission settlement audit device 140. It should be noted that when the telecommunications bill includes other settlement amounts, the commission settlement audit device 140 is also used to filter out the commission settlement amount of the settlement user.

[0078] The commission settlement auditing device 140 serves as the core of the commission settlement auditing system and is used to implement the commission settlement auditing method provided in the embodiment of the present application to ensure that the problem of erroneous overpayment of commissions is completely avoided.

[0079] The commission settlement auditing system may further include: a management server 150 , and the commission settlement auditing device 140 is connected to the management server 150 via blockchain.

[0080] The management server 150 may be a server using a web front-end framework and a back-end management system to provide a user-friendly interface and powerful management functions. The management server 150 is a server that interacts with commission management personnel, receives audit results, and displays them to commission management personnel.

[0081] The embodiments of the present application are introduced below in conjunction with the drawings in the specification.

[0082] Figure 2 Schematic diagram of the process of commission settlement audit method provided in the embodiment of the present application Figure 1 .like Figure 2 As shown, in the embodiment of the present application, the execution subject is a commission settlement audit device, which can be located in an electronic device, and the device can be a server. The commission settlement audit method provided in the embodiment of the present application includes the following steps:

[0083] S201. Obtain a commission settlement list of a channel dealer, extract multiple settlement users from the commission settlement list, and aggregate them to obtain a first user list.

[0084] Specifically, the commission settlement list is stored in a tabular form or in the form of discrete data. For the former, the commission settlement auditing device queries and extracts multiple settlement users from the commission settlement list through structured query language (SQL) and index; for the latter, the commission settlement auditing device queries through distributed query language, distributed computing framework or agent technology, and filters through data preprocessing to extract multiple settlement users.

[0085] The commission settlement auditing device aggregates these settlement users to obtain a first user list, and the first user list includes multiple settlement users in the commission settlement list. The commission settlement auditing device can audit the current settlement period based on the first user list.

[0086] In other embodiments, the commission settlement list may include not only the settlement user, but also the settlement period, user status, and amount to be settled, etc. When the commission settlement list includes the settlement user and the settlement period, the commission settlement audit device may audit the historical settlement period based on the first user list; when the commission settlement list includes the settlement user and the user status, the commission settlement audit device or other devices or other servers may obtain the user status list based on the commission settlement list; when the commission settlement list includes the settlement user and the amount to be settled, the commission settlement audit device or other devices or other servers may obtain the user settlement list based on the commission settlement list.

[0087] S202, obtaining a user status list, and screening out multiple settlement users whose user status is abnormal from multiple settlement users in the first user list according to the user status list, to obtain a second user list.

[0088] Specifically, the user status list can be obtained from the user server, or can be obtained based on the commission settlement list, or can be obtained based on the first user list. The user status list includes the user status of each settlement user, and the user status is normal or abnormal, where a user in a normal state refers to a user who is not in a state of suspension, account cancellation, or porting out during the settlement period.

[0089] After obtaining the user status list, the commission settlement audit device associates the user identifier of the settlement user in the first user list with the user status list to obtain the user status of each settlement user in the first user list. Afterwards, according to the commission policy, multiple settlement users with abnormal user status are screened out from the multiple settlement users in the first user list to obtain the second user list. Then the second user list includes the multiple settlement users with abnormal user status in the first user list, or the second user list includes the above multiple settlement users and the user status of each settlement user.

[0090] S203, obtaining a user settlement list, and based on the user settlement list, screening out multiple settlement users whose commission settlement amounts are greater than a preset amount threshold from the multiple settlement users in the second user list, to obtain a third user list.

[0091] Specifically, the user settlement list can be obtained from the settlement server, or can be obtained based on the commission settlement list, or can be obtained based on the first user list. The user settlement list includes the commission settlement amount of each settlement user, and the commission settlement amount can be the amount to be paid or the amount already paid.

[0092] After obtaining the user settlement list, the commission settlement audit device associates the user identification of the settlement user in the second user list with the user settlement list to obtain the commission settlement amount of each settlement user in the second user list. Afterwards, according to the commission policy, multiple settlement users whose commission settlement amount is greater than the preset amount threshold are screened out from the multiple settlement users in the second user list to obtain the third user list; wherein the preset amount threshold can be zero yuan, or it can be the minimum settlement amount for each settlement user determined according to the commission policy. Then the third user list includes multiple settlement users in the second user list whose commission settlement amount is greater than the preset amount threshold, or the third user list includes the above multiple settlement users, as well as the user status and / or commission settlement amount of each settlement user.

[0093] S204. Audit the channel partners according to the third user list.

[0094] Specifically, when the third user list includes multiple settlement users, the commission settlement auditing device can audit the channel dealer based on at least one of the information such as the number of users, user distribution and user changes of these settlement users; when the third user list includes multiple settlement users, as well as the user status and / or commission settlement amount of each settlement user, the commission settlement auditing device can audit the channel dealer based on at least one of the above information, as well as at least one of the information such as the abnormal status distribution of the user status, the cause of the abnormal status and the abnormal status residence time, and / or at least one of the information such as the accumulated amount of the commission settlement amount, the amount distribution and the difference between it and the preset amount threshold.

[0095] In this embodiment, the acquisition of the commission settlement list, and the aggregation or screening of the above-mentioned user list, can be executed on a scheduled basis, for example, once per settlement period, or can be manually triggered, for example, to conduct irregular audits of channel dealers. The specific execution method is not limited in this embodiment.

[0096] In other embodiments, the commission settlement auditing device audits multiple channel merchants at the same time. The commission settlement auditing device screens and obtains the third-user list of each channel merchant based on the channel merchant, and audits the corresponding channel merchant based on this list; wherein the granularity of the channel merchant can be adjusted, for example, from the business outlets to the local network level.

[0097] The embodiment of the present application provides a commission settlement audit method, which includes: obtaining a commission settlement list of a channel business, extracting multiple settlement users from the commission settlement list, and summarizing to obtain a first user list; obtaining a user status list, and filtering out multiple settlement users with abnormal user status from multiple settlement users in the first user list according to the user status list, and obtaining a second user list; obtaining a user settlement list, and filtering out multiple settlement users with commission settlement amounts greater than a preset amount threshold from multiple settlement users in the second user list according to the user settlement list, and obtaining a third user list; auditing the channel business according to the third user list. The following technical effects are achieved: obtaining a first user list according to the commission settlement list, and filtering the first user list according to the user status and commission settlement amount to obtain a third user list, reducing the amount of data to be audited, and solving the problem that the number of users of telecom operators is large and auditing is prone to omissions and errors; obtaining the commission settlement list and the third user list in a timed or manually triggered manner, and auditing the channel business according to the third user list, solving the problem that manual auditing cannot achieve automatic identification and early warning of the auditing process.

[0098] Figure 3 Schematic diagram of the process of commission settlement audit method provided in the embodiment of the present application Figure 2 ,like Figure 3 As shown, the commission settlement audit method provided in the embodiment of the present application is Figure 1 Application scenarios, and Figure 2 On the basis of the commission settlement audit method provided in the embodiment, the commission settlement audit device is further refined. The commission settlement audit device is connected to the channel server, the user server and the settlement server through the blockchain, and the commission settlement audit method provided in the embodiment of the present application includes the following steps.

[0099] S301. Obtain a commission settlement list from the channel server.

[0100] S302: extract multiple settlement users from the commission settlement list and summarize them to obtain a first user list.

[0101] S303. Broadcast the audit message in the blockchain.

[0102] Specifically, the commission settlement audit device broadcasts an audit message in the blockchain, and the audit message includes the first user list and the signature of the channel operator.

[0103] When the user server receives the audit message, it verifies the signature of the channel business. After the verification is passed, it pushes the user's user status, that is, the user status list. The user status list may include the user status of all users, the user status of the settlement user of the channel business, and the user status of the settlement user in the first user list.

[0104] When the settlement server receives the audit message, it verifies the signature of the channel business. After the verification is passed, it settles the settlement user, or calls the settled data and pushes the user's telecom bill, that is, the user settlement list. The user settlement list may include the commission settlement amount of all users, the commission settlement amount of the settlement user of the channel business, and the user status of the settlement user in the first user list.

[0105] S304: Obtain a user status list from the user server.

[0106] S305: Perform data connection between the user status list and the first user list to obtain a fourth user list.

[0107] Specifically, data connection, also known as data merging or data association, refers to merging data rows from different data lists together based on certain common fields or keys. In the embodiment of the present application, the user status list is data-connected with the user ID of the first user list to obtain a fourth user list, which includes multiple settlement users in the first user list and the user status of each settlement user.

[0108] S306: Filter multiple settlement users whose user status is abnormal from the fourth user list to obtain a second user list.

[0109] Specifically, the second user list is obtained by screening according to the fourth user list, and the second user list includes multiple settlement users in the first user list and the user status of each settlement user; wherein the user status of these settlement users are all abnormal status

[0110] In other application embodiments, after obtaining the second user list, an audit message including the second user list is broadcast in the blockchain, and the user settlement list pushed by the settlement server may also include the user status of the settlement user in the second user list.

[0111] S307: Obtain the user settlement list from the settlement server.

[0112] S308: Connect the user settlement list with the second user list to obtain a fifth user list.

[0113] S309: Filter multiple settlement users whose commission settlement amounts are greater than a preset amount threshold from the fifth user list to obtain a third user list.

[0114] S307 to S309 are similar to S304 to S306 and will not be described in detail in this embodiment of the application.

[0115] S310. Calculate the number of abnormal users and / or the abnormal amount of commission settlement of the channel business according to the third user list.

[0116] Specifically, the number of abnormal users refers to the number of multiple settlement users in the third user list, and the abnormal commission settlement amount refers to the sum of the commission settlement amounts of each of the multiple settlement users in the third user list.

[0117] S311. Determine the risk level of the channel dealer based on the abnormal number of users and / or the abnormal amount of commission settlement.

[0118] In a possible design, S311, according to the abnormal number of users and / or the abnormal amount of commission settlement, the risk level of the channel dealer is determined, including:

[0119] The risk level of the channel dealer is determined from multiple preset risk levels based on the numerical relationship between the number of abnormal users and multiple preset number intervals, and / or the numerical relationship between the abnormal amount of commission settlement and multiple preset amount intervals.

[0120] S312. Determine the management server of the channel dealer according to the risk level.

[0121] S313: Push the third user list and the channel dealer's signature to the management server.

[0122] Specifically, each preset risk level corresponds to a different degree of risk and possible subsequent processing measures. The commission settlement audit device selects a most appropriate risk level from multiple preset risk levels based on the number of abnormal users and / or the abnormal amount of commission settlement. Afterwards, the commission settlement audit device pushes the third user list and the channel business's signature to the management server, where the management server refers to the server that interacts with the commission management personnel.

[0123] For example, multiple preset number intervals may include less than 100 people and more than 100 people, multiple preset amount intervals may include less than 100,000 yuan and more than 100,000 yuan, and multiple preset risk levels may include low risk level and high risk level. When the number of abnormal users is less than 100 people, and / or the commission settlement abnormal amount is less than 100,000 yuan, the risk level of the channel business is determined to be a low risk level, and the commission settlement audit device pushes the third user list and signature of the channel business to the server interacting with the commission management personnel, and is processed by the specific commission management personnel; when the number of abnormal users is more than 100 people, and / or the commission settlement abnormal amount is more than 100,000 yuan, the risk level of the channel business is determined to be a high risk level, and the commission settlement audit device pushes the third user list and signature of the channel business to the server interacting with the supervisor, and is processed by the supervisor of the commission of the business department. The specific object of the push can be adjusted according to the actual situation and actual needs.

[0124] The technical effect of the embodiment of the present application is: according to the number of abnormal users and / or the abnormal amount of commission settlement, the risk level of the channel merchant is determined, and the third-user list of the channel merchant is pushed to the management server, thereby solving the problem of being unable to determine which risks that may cause greater losses should be given priority.

[0125] The present application also provides a commission settlement audit system. Figure 4 This is a schematic diagram of the structure of the commission settlement and audit system provided in the embodiment of the present application. Figure 4 As shown, the system includes:

[0126] The channel server 110, the user server 120 and the settlement server 130, and the commission settlement audit device 140 respectively connected to the channel server 110, the user server 120 and the settlement server 130 through the blockchain;

[0127] The commission settlement auditing device 140 is used to implement the commission settlement auditing method in the above embodiment.

[0128] The commission settlement audit system provided in the embodiment of the present application can execute Figure 2 and Figure 3 The technical solution of the method embodiment shown in the figure has the same implementation principle and technical effect as Figure 2 and Figure 3 The method embodiments shown are similar and will not be described in detail in the embodiments of the present application.

[0129] The present application also provides a commission settlement audit device. Figure 5 A schematic diagram of the structure of the commission settlement audit device provided in the embodiment of the present application is shown in FIG. Figure 5As shown, in the embodiment of the present application, the commission settlement auditing device may be located in an electronic device. The commission settlement auditing device includes:

[0130] The user extraction module 510 is used to obtain the commission settlement list of the channel dealer, and extract multiple settlement users from the commission settlement list to obtain a first user list;

[0131] The first screening module 520 is used to obtain a user status list, and screen out multiple settlement users whose user status is abnormal from multiple settlement users in the first user list according to the user status list, to obtain a second user list; wherein the user status list includes the user status of each settlement user, and the user status is normal or abnormal;

[0132] The second screening module 530 is used to obtain a user settlement list, and according to the user settlement list, screen out multiple settlement users whose commission settlement amount is greater than a preset amount threshold from the multiple settlement users in the second user list, to obtain a third user list; wherein the user settlement list includes the commission settlement amount of each settlement user;

[0133] The audit module 540 is used to audit the channel dealer according to the third user list.

[0134] The commission settlement auditing device provided in the embodiment of the present application can be executed Figure 2 The technical solution of the method embodiment shown in the figure has the same implementation principle and technical effect as Figure 2 The method embodiments shown are similar and will not be described in detail in the embodiments of the present application.

[0135] At the same time, the commission settlement auditing device provided in the embodiment of the present application is further refined on the basis of the commission settlement auditing device provided in the previous application embodiment.

[0136] The first screening module 520 includes:

[0137] A first connection module is used to perform data connection between the user status list and the first user list to obtain a fourth user list; wherein the fourth user list includes multiple settlement users in the first user list and the user status of each settlement user;

[0138] A first screening module is used to screen multiple settlement users whose user status is abnormal from the fourth user list to obtain a second user list;

[0139] The second screening module 530 includes:

[0140] A second connection module is used to perform data connection between the user settlement list and the second user list to obtain a fifth user list; wherein the fifth user list includes multiple settlement users in the second user list and the user settlement amount of each settlement user;

[0141] The second screening module is used to screen multiple settlement users whose commission settlement amounts are greater than a preset amount threshold from the fifth user list to obtain a third user list.

[0142] In one possible design, the audit module 540 includes:

[0143] A data calculation module, used to calculate the number of abnormal users and / or the abnormal commission settlement amount of the channel business according to the third user list; wherein the number of abnormal users refers to the number of multiple settlement users in the third user list, and the abnormal commission settlement amount refers to the sum of the commission settlement amounts of the multiple settlement users in the third user list;

[0144] The level determination module is used to determine the risk level of the channel dealer based on the abnormal number of users and / or the abnormal amount of commission settlement.

[0145] In one possible design, the level determination module is used to determine the risk level of the channel dealer from multiple preset risk levels based on the numerical relationship between the number of abnormal users and multiple preset number intervals, and / or the numerical relationship between the abnormal amount of commission settlement and multiple preset amount intervals.

[0146] In a possible design, the commission settlement auditing device further includes:

[0147] A server determination module is used to determine the management server of the channel provider according to the risk level;

[0148] The list push module is used to push the third-party user list and the channel dealer's signature to the management server; wherein the management server refers to the server that interacts with the commission management personnel.

[0149] In one possible design, the user extraction module 510 is used to obtain a commission settlement list from the channel server;

[0150] A first screening module 520, used to obtain a user status list from a user server;

[0151] The second screening module 530 is used to obtain the user settlement list from the settlement server.

[0152] In one possible design, the commission settlement audit device is connected to the channel server, user server and settlement server through blockchain respectively;

[0153] The commission settlement audit device also includes:

[0154] The message broadcast module is used to broadcast the audit message in the blockchain; wherein the audit message includes the first user list and the signature of the channel operator.

[0155] The commission settlement auditing device provided in the embodiment of the present application can execute Figure 2 and Figure 3 The technical solution of the method embodiment shown in the figure has the same implementation principle and technical effect as Figure 2 and Figure 3 The method embodiments shown are similar and will not be described in detail in the embodiments of the present application.

[0156] The present application also provides an electronic device, Figure 6 This is a schematic diagram of the structure of an electronic device provided in an embodiment of the present application. Figure 6 As shown, the electronic device includes: the electronic device includes: at least one processor 610 and a memory 620. The electronic device also includes a communication component 630. The processor 610, the memory 620 and the communication component 630 are connected via a bus 640.

[0157] In the specific implementation process, at least one processor 610 executes the computer execution instructions stored in the memory 620, so that at least one processor 610 is used to implement the commission settlement audit method of the above embodiment.

[0158] The specific implementation process of the processor 610 can be found in the above-mentioned method embodiment, and its implementation principle and technical effect are similar, so the embodiments of the present application will not be repeated here.

[0159] In the above embodiment, it should be understood that the processor 610 can be a central processing unit (CPU), or other general-purpose processors, digital signal processors (DSP), application-specific integrated circuits (ASIC), etc. The general-purpose processor can be a microprocessor or the processor can also be any conventional processor, etc. The steps of the method disclosed in the application can be directly embodied as being executed by a hardware processor, or executed by a combination of hardware and software modules in the processor.

[0160] The memory 620 may include a high-speed RAM memory, and may also include a non-volatile storage NVM, such as at least one disk storage.

[0161] The bus 640 may be an Industry Standard Architecture (ISA) bus, a Peripheral Component Interconnect (PCI) bus, or an Extended Industry Standard Architecture (EISA) bus, etc. The bus 640 may be divided into an address bus, a data bus, a control bus, etc. For ease of representation, the bus 640 in the drawings of the present application is not limited to only one bus or one type of bus.

[0162] The above functions implemented by the electronic device and the main control device introduce the scheme provided by the embodiment of the present application. It is understandable that in order to implement the above functions, the electronic device or the main control device includes a hardware structure and / or software module corresponding to each function. In combination with the units and algorithm steps of each example described in the embodiment disclosed in the embodiment of the present application, the embodiment of the present application can be implemented in the form of hardware or a combination of hardware and computer software. Whether a function is executed in the form of hardware or computer software driving hardware depends on the specific application and design constraints of the technical solution. Those skilled in the art can use different methods to implement the described functions for each specific application, but such implementation should not be considered to exceed the scope of the technical solution of the embodiment of the present application.

[0163] The present application also provides a computer-readable storage medium, in which computer-executable instructions are stored. When the computer-executable instructions are executed by a processor, they are used to implement the commission settlement audit method of the above embodiment. In the specific implementation of the above commission settlement audit method, each module can be implemented as a processor.

[0164] The above-mentioned readable storage medium can be implemented by any type of volatile or non-volatile storage device or a combination thereof, such as static random access memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic memory, flash memory, magnetic disk or optical disk. The readable storage medium can be any available medium that can be accessed by a general or special-purpose computer.

[0165] An exemplary readable storage medium is coupled to a processor so that the processor can read information from the readable storage medium and write information to the readable storage medium. Of course, the readable storage medium can also be a component of the processor. The processor and the readable storage medium can be located in an application specific integrated circuit (ASIC). Of course, the processor and the readable storage medium can also exist as discrete components in an electronic device or a main control device.

[0166] An embodiment of the present application also provides a computer program product, including a computer program, which, when executed by a processor, is used to implement the commission settlement audit method of the above embodiment.

[0167] The computer program is stored in a readable storage medium. At least one processor can read the computer program from the readable storage medium. At least one processor executes the computer program to execute the solution provided in any of the above embodiments.

[0168] A person skilled in the art can understand that all or part of the steps of implementing the above-mentioned application embodiments can be completed by hardware related to program instructions. The aforementioned program can be stored in a computer-readable storage medium. When the program is executed, the steps of the above-mentioned method embodiment are executed; and the aforementioned storage medium includes: ROM, RAM, disk or optical disk, etc., various media that can store program codes.

[0169] So far, the technical solution of the present application has been described in conjunction with the preferred embodiments shown in the accompanying drawings. However, it is easy for those skilled in the art to understand that the protection scope of the present application is obviously not limited to these specific embodiments, and the above embodiments are only used to illustrate the technical solution of the present application rather than to limit it. Although the present application has been described in detail with reference to the aforementioned embodiments, those skilled in the art should understand that they can still modify the technical solutions described in the aforementioned embodiments, or replace some or all of the technical features therein by equivalents. However, these modifications or replacements do not cause the essence of the corresponding technical solutions to deviate from the scope of the technical solutions of the embodiments of the present application.

Claims

1. A commission settlement audit method, characterized in that: The method is applied to a commission settlement audit device, and the method includes: Obtaining a commission settlement list of a channel merchant, and extracting a plurality of settlement users from the commission settlement list, and summarizing them to obtain a first user list; Acquire a user status list, and based on the user status list, screen out a plurality of the settlement users whose user status is abnormal from the plurality of the settlement users in the first user list, to obtain a second user list; wherein the user status list includes the user status of each of the settlement users, and the user status is normal or abnormal; Obtaining a user settlement list, and based on the user settlement list, screening out a plurality of settlement users whose commission settlement amounts are greater than a preset amount threshold from the plurality of settlement users in the second user list, to obtain a third user list; wherein the user settlement list includes the commission settlement amount of each settlement user; The channel dealer is audited according to the third user list.

2. The method according to claim 1, characterized in that The step of screening out a plurality of the settlement users whose user status is abnormal from the plurality of the settlement users in the first user list according to the user status list to obtain a second user list includes: Connecting the user status list with the first user list to obtain a fourth user list; wherein the fourth user list includes a plurality of the settlement users in the first user list and the user status of each settlement user; Filtering a plurality of the settlement users whose user status is abnormal from the fourth user list to obtain the second user list; The method further comprises: filtering out, from among the plurality of settlement users in the second user list, a plurality of settlement users whose commission settlement amounts are greater than a preset amount threshold according to the user settlement list, to obtain a third user list, including: Connecting the user settlement list with the second user list to obtain a fifth user list; wherein the fifth user list includes a plurality of the settlement users in the second user list and a user settlement amount of each settlement user; From the fifth user list, a plurality of settlement users whose commission settlement amounts are greater than a preset amount threshold are screened to obtain the third user list.

3. The method according to claim 2, characterized in that The auditing of the channel business according to the third user list includes: According to the third user list, the number of abnormal users and / or the abnormal commission settlement amount of the channel business are calculated; wherein the number of abnormal users refers to the number of multiple settlement users in the third user list, and the abnormal commission settlement amount refers to the sum of the commission settlement amounts of the multiple settlement users in the third user list; The risk level of the channel dealer is determined according to the number of abnormal users and / or the abnormal amount of commission settlement.

4. The method according to claim 3, characterized in that Determining the risk level of the channel dealer according to the number of abnormal users and / or the abnormal amount of commission settlement includes: The risk level of the channel dealer is determined from multiple preset risk levels based on the numerical relationship between the number of abnormal users and multiple preset number intervals, and / or the numerical relationship between the abnormal commission settlement amount and multiple preset amount intervals.

5. The method according to claim 3 or 4, characterized in that: After determining the risk level of the channel dealer according to the number of abnormal users and / or the abnormal amount of commission settlement, the method further includes: Determining the management server of the channel business according to the risk level; The third user list and the signature of the channel dealer are pushed to the management server; wherein the management server refers to a server that interacts with commission management personnel.

6. The method according to claim 1 or 2, characterized in that: The commission settlement list of the channel dealer is obtained, including: Obtain the commission settlement list from the channel server; The obtaining of the user status list includes: Obtain the user status list from the user server; The obtaining of the user settlement list includes: The user settlement list is obtained from a settlement server.

7. The method according to claim 6, characterized in that The commission settlement audit device is connected to the channel server, the user server and the settlement server respectively through the blockchain; Before obtaining the user status list from the user server, the method further includes: Broadcasting an audit message in the blockchain; wherein the audit message includes the first user list and the signature of the channel operator.

8. A commission settlement audit system, characterized in that: The system comprises: A channel server, a user server and a settlement server, and a commission settlement audit device connected to the channel server, the user server and the settlement server respectively through the blockchain; Wherein, the commission settlement auditing device is used to implement the commission settlement auditing method as described in any one of claims 1 to 7.

9. A commission settlement auditing device, characterized in that: The device comprises: A user extraction module is used to obtain the commission settlement list of the channel dealer, and extract multiple settlement users from the commission settlement list to obtain a first user list; A first screening module is used to obtain a user status list, and based on the user status list, screen out a plurality of the settlement users whose user status is abnormal from the plurality of the settlement users in the first user list, to obtain a second user list; wherein the user status list includes the user status of each of the settlement users, and the user status is normal or abnormal; The second screening module is used to obtain a user settlement list, and based on the user settlement list, screen out a plurality of settlement users whose commission settlement amount is greater than a preset amount threshold from the plurality of settlement users in the second user list, to obtain a third user list; wherein the user settlement list includes the commission settlement amount of each settlement user; An audit module is used to audit the channel business according to the third user list.

10. An electronic device, characterized in that: include: A processor, and a memory communicatively connected to the processor; The memory stores computer-executable instructions; When the processor executes the computer-executable instructions stored in the memory, it is used to implement the commission settlement audit method as described in any one of claims 1 to 7.

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