Accounting risk early warning method and device, electronic equipment and storage medium

Abstract

The invention provides an accounting risk early warning method and device, electronic equipment and a storage medium. The accounting risk early warning method provided by the invention comprises the steps of obtaining historical transaction data, determining a historical bookkeeping link according to the historical transaction data, and constructing a bookkeeping link data set according to the historical bookkeeping link, the historical bookkeeping link comprising a bookkeeping direction identifier and a subject number; obtaining a current bookkeeping link, verifying the current bookkeeping link by using the bookkeeping link data set, and if verification of the current bookkeeping link fails, performing first risk early warning; and if the number of times of use of the bookkeeping link in the transaction in the first preset number of times of personal transfer transaction scene is lower than a second preset number of times, second risk early warning is carried out, and the bookkeeping link is used in the bookkeeping scene. According to the accounting risk early warning method, timely early warning of financial risks can be realized, and supervision requirements can be met.

Description

Technical Field

[0001] The present invention relates to the field of financial risk control technology, and in particular to an account risk early warning method, device, electronic equipment and storage medium. Background Art

[0002] Financial risk refers to the uncertainty of financial status due to various unpredictable or uncontrollable factors in the process of various financial activities, which makes the enterprise likely to suffer losses. According to the main links of financial activities, financial risks can be divided into liquidity risk, credit risk, financing risk, and investment risk. According to the degree of controllability, financial risks can be divided into controllable risks and uncontrollable risks. With the rapid development of financial business, accounting risk control has become an important link in ensuring the safe and stable operation of financial institutions. Traditional risk control methods often rely on post-audit and manual intervention, which makes risk warnings untimely. When problems are discovered, they are already fait accompli, affecting customer service, fund security and financial statements, and failing to meet regulatory requirements. Summary of the invention

[0003] The purpose of the present invention is to provide an account risk warning method, device, electronic device and storage medium to solve the technical problem of untimely risk warning in the prior art.

[0004] The technical solution of the present invention is as follows, which provides an account risk early warning method, comprising:

[0005] Acquire historical transaction data, determine a historical accounting link according to the historical transaction data, and construct an accounting link data set according to the historical accounting link, wherein the historical accounting link includes an accounting direction identifier and an account number;

[0006] Acquire a current accounting link, and verify the current accounting link using the accounting link data set. If the verification of the current accounting link fails, issue a first risk warning;

[0007] If the number of times the accounting link is used in the first preset number of personal transfer transaction scenarios is lower than the second preset number of times, a second risk warning is issued, wherein the accounting link is used in the accounting scenario.

[0008] Further, determining the historical accounting link according to the historical transaction data includes:

[0009] According to the historical transaction data and the accounting information recognition model, the accounting direction identifier and the account number are determined, and the historical accounting link is determined according to the accounting direction identifier and the account number. The accounting information recognition model is obtained by training based on the machine learning model and accounting rules, and the accounting rules are obtained based on the accounting scenario regulations and process analysis.

[0010] Furthermore, determining a historical accounting link according to the accounting direction identifier and the account number includes: combining the accounting direction identifier and the account number to form a historical accounting link.

[0011] Furthermore, the accounting direction identifier and the subject number are combined to form a historical accounting link, including:

[0012] According to the accounting direction corresponding to the accounting direction identifier and the account name corresponding to the account number, the accounting direction identifier and the account number are combined to form a historical accounting link.

[0013] Further, using the accounting link data set to verify the current accounting link includes:

[0014] The current accounting link is compared with the historical accounting link in the accounting link data set to determine whether there is a historical accounting link in the accounting link data set that is the same as the current accounting link. If so, the current accounting link verification succeeds; otherwise, the current accounting link verification fails.

[0015] Furthermore, the accounting risk warning method also includes, when there is no historical accounting link identical to the current accounting link in the accounting link data set, determining whether the current accounting link has an accounting direction identification error and / or an account number error.

[0016] Furthermore, the accounting scenario includes at least one of a deposit business scenario, a loan business scenario, and a financial management business scenario.

[0017] Another technical solution of the present invention is as follows: an account risk warning device is provided, including a data set construction module, a first risk warning module and a second risk warning module;

[0018] The data set construction module is used to obtain historical transaction data, determine historical accounting links according to the historical transaction data, and construct an accounting link data set according to the historical accounting links, wherein the historical accounting links include an accounting direction identifier and an account number;

[0019] The first risk warning module is used to obtain the current accounting link, verify the current accounting link using the accounting link data set, and issue a first risk warning if the current accounting link verification fails;

[0020] The second risk warning module is used to issue a second risk warning if the number of times the accounting link is used in a first preset number of personal transfer transaction scenarios is lower than a second preset number of times, wherein the accounting link is used in the accounting scenario.

[0021] Another technical solution of the present invention is as follows: an electronic device is provided, including a memory and a processor, wherein the memory stores a computer program executable by the processor, and when the processor executes the computer program, the account risk warning method as described in any of the above technical solutions is implemented.

[0022] Another technical solution of the present invention is as follows: a computer-readable storage medium is provided, wherein the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the accounting risk warning method as described in any of the above technical solutions is implemented.

[0023] The beneficial effects of the present invention are: obtaining historical transaction data, determining a historical accounting link according to the historical transaction data, and constructing an accounting link data set according to the historical accounting link, wherein the historical accounting link includes an accounting direction identifier and an account number; obtaining a current accounting link, and verifying the current accounting link using the accounting link data set, and if the verification of the current accounting link fails, a first risk warning is issued; if the accounting link is used less than a second preset number of times in a first preset number of personal transfer transaction scenarios, a second risk warning is issued, wherein the accounting link is used in an accounting scenario; timely warning of financial risks can be achieved, and regulatory requirements can be met. BRIEF DESCRIPTION OF THE DRAWINGS

[0024] Figure 1 A schematic diagram of a flow chart of an account risk early warning method provided by an embodiment of the present invention;

[0025] Figure 2 A schematic diagram of the structure of an account risk warning device provided by an embodiment of the present invention;

[0026] Figure 3 A schematic diagram of the structure of an electronic device provided by an embodiment of the present invention. DETAILED DESCRIPTION

[0027] The following will be combined with the drawings in the embodiments of the present invention to clearly and completely describe the technical solutions in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0028] In the description of this application, the words "first", "second", etc. are only used for the purpose of distinguishing descriptions, and cannot be understood as indicating or implying relative importance, nor can they be understood as indicating or implying an order. In this specification, the terms "include", "comprise", "have" and their variations all mean "including but not limited to", unless otherwise specifically emphasized.

[0029] In the description of the embodiments of the present invention, unless otherwise specified, “ / ” means or, for example, A / B can mean A or B; “and / or” in the text is merely a description of the association relationship of associated objects, indicating that three relationships may exist, for example, A and / or B can mean: A exists alone, A and B exist at the same time, and B exists alone. In addition, in the description of the embodiments of the present application, “multiple” refers to two or more than two, and other quantifiers are similar. It should be understood that the preferred embodiments described herein are only used to illustrate and explain the present invention, and are not used to limit the present invention, and the embodiments of the present application and the features in the embodiments may be combined with each other without conflict.

[0030] Reference to "embodiments" herein means that a particular feature, structure, or characteristic described in conjunction with the embodiments may be included in at least one embodiment of the present invention. The appearance of the phrase in various places in the specification does not necessarily refer to the same embodiment, nor is it an independent or alternative embodiment that is mutually exclusive with other embodiments. It is explicitly and implicitly understood by those skilled in the art that the embodiments described herein may be combined with other embodiments.

[0031] Figure 1 It is a flow chart of the method for early warning of account risk of an embodiment of the present invention. It should be noted that if there is substantially the same result, the method for early warning of account risk of the present invention is not based on Figure 1 The process sequence shown is limited. Figure 1 As shown, the accounting risk early warning method includes the following steps:

[0032] S101, acquiring historical transaction data, determining a historical accounting link according to the historical transaction data, and constructing an accounting link data set according to the historical accounting link, wherein the historical accounting link includes an accounting direction identifier and an account number;

[0033] In a specific embodiment, historical transaction data may include business flow, transaction flow, accounting direction (accounting direction identifier), account number, transaction amount, transaction description, and a partial transaction data table of an accounting system, as shown in Table 1.

[0034] Table 1 Partial transaction data table of an accounting system

[0035] Business flow Transaction flow Bookkeeping direction Subject Number Transaction amount Transaction Description 3240*****6603 2407****0073 C 5103322 **.47 Fees 3240*****6603 2407****0073 D 2680098 **.47 Fees 3240*****6603 2407****1430 D 2680025 **.55 transfer 3240*****6603 C2407****1430 C 5240202 **.55 Fees 3240*****6603 2407****6542 D 2620599 **.00 transfer 3240*****6603 2407****6542 C 2430099 **.00 transfer 3240*****6603 2407****6542 D 2430099 **.00 transfer 3240*****6603 2407****6542 D 2680025 **.00 transfer 3240*****6603 2407****6542 C 1310701 **.00 transfer

[0036] In Table 1, the accounting direction (marker) C represents credit, D represents debit, and the star mark number is the display result after desensitizing sensitive information.

[0037] In an optional implementation, determining the historical accounting link according to the historical transaction data includes:

[0038] According to the historical transaction data and the accounting information recognition model, the accounting direction identifier and the account number are determined, and the historical accounting link is determined according to the accounting direction identifier and the account number. The accounting information recognition model is obtained by training based on the machine learning model and accounting rules, and the accounting rules are obtained based on the accounting scenario regulations and process analysis.

[0039] In a specific embodiment, in a financial institution, the accounting link is the key application result of accounting scenarios such as deposit business, loan business, and financial management business, and each accounting scenario has strict specifications and specific processes. By analyzing the accounting scenarios, the rationality and standardization of the relevant accounting links can be effectively sorted out. In order to immediately find out whether there are problems in the accounting process when checking transactions, it is necessary to sort out the current accounting standards and systems used in the bank, sort out standardized accounting scenarios, and analyze whether there are problems with related transactions in the existing accounting links (historical accounting links) by sorting out the accounting link data of the existing transactions in the system, and supplement and improve the missing accounting scenarios.

[0040] In a specific embodiment, a machine learning model can be used to parse the accounting scene rules and regulations and processes into accounting rules to determine the accounting direction (debit and credit direction) and accounting subjects, which can ensure that the key elements of the accounting scene are complete. Specifically, the accounting rules can be obtained according to the accounting scene rules and regulations and process analysis, and the accounting information recognition model can be obtained according to the machine learning model and the accounting rules training. According to the historical transaction data and the accounting information recognition model, the accounting direction identifier and the subject number can be determined, and then the corresponding accounting direction and accounting subject can be determined. A data warehouse can be established to centrally manage and analyze the collected transaction data, accounting data, etc., determine the historical accounting link according to the accounting direction identifier and the subject number, and construct an accounting link data set.

[0041] In an optional implementation, determining a historical accounting link according to the accounting direction identifier and the account number includes: combining the accounting direction identifier and the account number to form a historical accounting link.

[0042] In a specific embodiment, as shown in Table 1, one business flow corresponds to multiple transaction flows, each transaction flow may correspond to an accounting scenario, and the accounting direction identifier and the account number under the accounting scenario may be combined to construct three accounting links, namely C5103322D2680098, D2680025C5240202, and D2620599C2430099D2430099D2680025C1310701.

[0043] In an optional implementation, the accounting direction identifier and the account number are combined to form a historical accounting link, including:

[0044] According to the accounting direction corresponding to the accounting direction identifier and the account name corresponding to the account number, the accounting direction identifier and the account number are combined to form a historical accounting link.

[0045] In a specific embodiment, taking the forfaiting (outstanding debt trading) business as an example, the accounting standard table for the loan scenario (bookkeeping scenario) under this business is shown in Table 2.

[0046] Table 2 Accounting Standards

[0047] Bookkeeping direction Subject Number Course Name borrow 1310700 Forfaiting**** loan 201 Demand***Deposit loan 2680026 Unpaid interest income loan 2620206 Forfaiting** costs loan 2680098 Other **** income loan 2652210 Output tax

[0048] Among them, the three-digit account number in Table 2 corresponds to the first-level account, the seven-digit account number corresponds to the third-level account, and the star mark in the account name is the display result after the sensitive information is desensitized. According to the accounting direction corresponding to the accounting direction identifier and the account name corresponding to the account number, the accounting direction identifier and the account number are combined to form a historical accounting link. The accounting link corresponding to Table 2 is D1310700C201****C2680026C2620206C2680098C2652210, which means that the accounting account with account number 1310700 is debited, and the accounting account with account numbers 1310700, 201, 2680026, 2620206, 2680098, and 2652210 is credited.

[0049] S102, obtaining a current accounting link, and verifying the current accounting link using the accounting link data set. If the verification of the current accounting link fails, a first risk warning is issued;

[0050] In a specific embodiment, after the accounting link data set is constructed as described above, the accounting link data set can be used to verify the current accounting link. If the current accounting link verification fails, a first risk warning is issued to alert relevant personnel so that corresponding risk control measures can be taken.

[0051] In an optional implementation, verifying the current accounting link using the accounting link data set includes:

[0052] The current accounting link is compared with the historical accounting link in the accounting link data set to determine whether there is a historical accounting link in the accounting link data set that is the same as the current accounting link. If so, the current accounting link verification succeeds; otherwise, the current accounting link verification fails.

[0053] In a specific embodiment, the accounting link (including the historical accounting link and the current accounting link) can clearly display the source, destination and accounting process information of each transaction. The current accounting link is compared with the historical accounting link in the accounting link data set to determine whether there is a historical accounting link in the accounting link data set that is the same as the current accounting link. If so, the current accounting link is successfully verified. If the current accounting link is successfully verified, no risk warning is issued.

[0054] In an optional embodiment, the accounting risk warning method further includes, when there is no historical accounting link identical to the current accounting link in the accounting link data set, determining whether the current accounting link has an accounting direction identification error and / or an account number error.

[0055] In a specific embodiment, when there is no historical accounting link identical to the current accounting link in the accounting link data set, it is determined whether the current accounting link has an accounting direction identification error and / or an account number error, thereby quickly determining whether the incremental transaction data has risks such as an accounting direction identification error and irregular use of account numbers.

[0056] S103, if the number of times the accounting link is used in the first preset number of personal transfer transaction scenarios is lower than the second preset number of times, a second risk warning is issued, wherein the accounting link is used in the accounting scenario.

[0057] In a specific embodiment, according to business needs and risk control standards, a series of risk rules can be defined, which will be used to identify potential risk points in the accounting link, such as abnormal transactions, abnormal fund flows, etc. If the business needs to analyze and review transaction data with frequent transactions but occasional accounting links, then through analysis, implementable risk rules are established. If the number of times the accounting link is used in the first preset number of personal transfer transaction scenarios is lower than the second preset number, a second risk warning is issued. For example, if the personal transfer transaction scenario transaction occurs 100,000 times (the first preset number of times) but the accounting link is used less than 2 times (the second preset number of times), then it is carried out. The risk situation of the relevant transactions can be reviewed based on the relevant transaction data corresponding to the second risk warning, and the risk rules are continuously optimized.

[0058] In a specific embodiment, the demand management system, accounting system, and risk control system are all independent and are managed by different business teams and technology teams. The larger the enterprise scale, the stricter the relevant management and the stronger the independence between systems. How to effectively monitor whether the requirements involve the addition or change of accounting rules when they are launched, whether they meet the relevant accounting rules management specifications, and whether the accounting requirements involving accounting are incorrect after the launch, whether the accounting scenarios meet the specifications, etc., requires monitoring and early warning, and timely detection of problems and risk mitigation. Big data analysis technology can be used to monitor the requirements for changes in accounting scenarios and business system transactions. When the data triggers risk rules, the system will automatically issue an early warning signal to remind relevant personnel to pay attention and take corresponding risk control measures.

[0059] In an optional implementation, the accounting scenario includes at least one of a deposit business scenario, a loan business scenario, and a financial management business scenario.

[0060] In a specific embodiment, the data development platform can be used to collect relevant requirements of the demand management system related to the accounting system, and the requirements content can be analyzed through NLP (Natural Language Processing) technology to check the requirements involving changes in accounting rules. Such requirements can be given to risk strategists for key review. For requirements that do not meet the accounting scenarios, the person who proposed the requirements can be required to make corrections to avoid risks in advance, and new scenarios that meet the specifications can be added to the data set in real time.

[0061] In a specific embodiment, the accounting system transaction information is collected in real time through the data development platform, and combined with the accounting link data set, the usage of the accounting scenarios involved in the transaction is immediately analyzed, and the information is pushed to the risk strategist for supervision and analysis. If the accounting link (scenario) involved in a transaction does not exist in the accounting link data set, then the transaction is suspicious and a first risk warning is required. The risk strategist can check the accounting link that has been warned.

[0062] The accounting risk warning method provided by the embodiment of the present invention obtains historical transaction data, determines the historical accounting link according to the historical transaction data, and constructs an accounting link data set according to the historical accounting link, wherein the historical accounting link includes an accounting direction identifier and an account number; obtains the current accounting link, and verifies the current accounting link using the accounting link data set, and if the verification of the current accounting link fails, a first risk warning is issued; if the accounting link is used less than a second preset number of times in a first preset number of personal transfer transaction scenarios, a second risk warning is issued, wherein the accounting link is used in an accounting scenario; timely warning of financial risks can be achieved, and regulatory requirements can be met.

[0063] The accounting risk early warning method provided by the embodiment of the present invention identifies potential accounting risks by constructing an accounting link, realizes monitoring and early warning of accounting risks. Using the method of the present invention, financial institutions can realize advance early warning of accounting risks, effectively fill the situation of insufficient advance perception of accounting risk control, and improve the efficiency and accuracy of risk control. At the same time, by utilizing machine learning technology and big data analysis capabilities, the early warning results are made more reliable and accurate, and the current risk control relies on post-audit and manual intervention methods, problems are discovered in advance, the impact on customer service is reduced, funds are guaranteed to be safe, and the accuracy of financial statements is increased. In addition, the method also has the advantages of simple operation and easy implementation, which can improve the automation level and efficiency of risk control work and reduce the burden of manual review.

[0064] The account risk warning method provided by the embodiment of the present invention can be constructed based on artificial intelligence, and relevant data can be acquired and processed based on artificial intelligence technology to realize unattended artificial intelligence account risk warning. Among them, artificial intelligence (AI) is the theory, method, technology and application system that uses digital computers or machines controlled by digital computers to simulate, extend and expand human intelligence, perceive the environment, acquire knowledge and use knowledge to obtain the best results.

[0065] AI basic technologies generally include sensors, dedicated AI chips, cloud computing, distributed storage, big data processing technology, operation / interaction systems, mechatronics, etc. AI software technologies mainly include computer vision technology, robotics technology, biometrics technology, speech processing technology, natural language processing technology, and machine learning / deep learning.

[0066] Figure 2 is a schematic diagram of the structure of the account risk warning device according to an embodiment of the present invention. Figure 2 As shown, the account risk warning device 20 includes a data set construction module 21, a first risk warning module 22 and a second risk warning module 23;

[0067] The data set construction module 21 is used to obtain historical transaction data, determine historical accounting links according to the historical transaction data, and construct an accounting link data set according to the historical accounting links, wherein the historical accounting links include an accounting direction identifier and an account number;

[0068] The first risk warning module 22 is used to obtain the current accounting link, verify the current accounting link using the accounting link data set, and issue a first risk warning if the current accounting link verification fails;

[0069] The second risk warning module 23 is used to issue a second risk warning if the number of times the accounting link is used in the first preset number of personal transfer transaction scenarios is lower than the second preset number, wherein the accounting link is used in the accounting scenario.

[0070] The accounting risk warning device 20 provided in the embodiment of the present invention obtains historical transaction data through a data set construction module 21, determines a historical accounting link according to the historical transaction data, and constructs an accounting link data set according to the historical accounting link, wherein the historical accounting link includes an accounting direction identifier and an account number; obtains the current accounting link through a first risk warning module 22, and verifies the current accounting link using the accounting link data set. If the verification of the current accounting link fails, a first risk warning is issued; determines through a second risk warning module 23 whether the number of times the accounting link is used in a transaction in a first preset number of personal transfer transaction scenarios is less than a second preset number of times. If the number of times the accounting link is used in a transaction in a first preset number of personal transfer transaction scenarios is less than the second preset number of times, a second risk warning is issued, wherein the accounting link is used in an accounting scenario; timely warning of financial risks can be achieved, and regulatory requirements can be met.

[0071] In an optional implementation, the data set construction module 21 determines the historical accounting link according to the historical transaction data, including:

[0072] According to the historical transaction data and the accounting information recognition model, the accounting direction identifier and the account number are determined, and the historical accounting link is determined according to the accounting direction identifier and the account number. The accounting information recognition model is obtained by training based on the machine learning model and accounting rules, and the accounting rules are obtained based on the accounting scenario regulations and process analysis.

[0073] In an optional implementation, the data set construction module 21 determines the historical accounting link according to the accounting direction identifier and the account number, including: combining the accounting direction identifier and the account number to form a historical accounting link.

[0074] In an optional implementation, the data set construction module 21 combines the accounting direction identifier and the account number to form a historical accounting link, including:

[0075] According to the accounting direction corresponding to the accounting direction identifier and the account name corresponding to the account number, the accounting direction identifier and the account number are combined to form a historical accounting link.

[0076] In an optional implementation, the first risk warning module 22 uses the accounting link data set to verify the current accounting link, including:

[0077] The current accounting link is compared with the historical accounting link in the accounting link data set to determine whether there is a historical accounting link in the accounting link data set that is the same as the current accounting link. If so, the current accounting link verification succeeds; otherwise, the current accounting link verification fails.

[0078] In an optional embodiment, the accounting risk warning device 20 also includes an error judgment module, which is used to judge whether the current accounting link has an accounting direction identification error and / or an account number error when there is no historical accounting link identical to the current accounting link in the accounting link data set.

[0079] In an optional implementation, the accounting scenario includes at least one of a deposit business scenario, a loan business scenario, and a financial management business scenario.

[0080] Figure 3 Schematic diagram of the structure of an electronic device according to an embodiment of the present invention. Figure 3 As shown, the electronic device 30 includes a processor 31 and a memory 32 that is communicatively connected to the processor 31 .

[0081] The memory 32 stores program instructions for implementing the account risk warning method of any of the above embodiments.

[0082] The processor 31 is used to execute program instructions stored in the memory 32 to perform account risk warning.

[0083] The processor 31 may also be referred to as a CPU (Central Processing Unit). The processor 31 may be an integrated circuit chip having signal processing capabilities. The processor 31 may also be a general-purpose processor, a digital signal processor (DSP), an application-specific integrated circuit (ASIC), a field programmable gate array (FPGA) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components. The general-purpose processor may be a microprocessor or the processor may also be any conventional processor, etc.

[0084] The embodiment of the present invention provides a computer-readable storage medium, and the storage medium of the embodiment of the present invention stores program instructions that can implement all the above methods, and the storage medium can be non-volatile or volatile. Among them, the program instructions can be stored in the above storage medium in the form of a software product, including a number of instructions to enable a computer device (which can be a personal computer, a server, or a network device, etc.) or a processor (processor) to perform all or part of the steps of the method described in each embodiment of the present invention. The aforementioned storage medium includes: U disk, mobile hard disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, RandomAccess Memory), disk or optical disk and other media that can store program codes, or terminal devices such as computers, servers, mobile phones, tablets, etc.

[0085] In the several embodiments provided by the present invention, it should be understood that the disclosed devices and methods can be implemented in other ways. For example, the device embodiments described above are only schematic, for example, the division of modules is only a logical function division, and there may be other division methods in actual implementation, such as multiple modules or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some interfaces, indirect coupling or communication connection of devices or modules, which can be electrical, mechanical or other forms.

[0086] In addition, each functional module in each embodiment of the present invention may be integrated into one processing unit, or each module may exist physically separately, or two or more modules may be integrated into one unit. The above integrated unit may be implemented in the form of hardware or in the form of a software functional unit. The above is only an implementation mode of the present invention, and does not limit the patent scope of the present invention. Any equivalent structure or equivalent process transformation made by using the contents of the specification and drawings of the present invention, or directly or indirectly used in other related technical fields, is also included in the patent protection scope of the present invention.

[0087] The above description is only an implementation mode of the present invention. It should be pointed out that, for ordinary technicians in this field, improvements can be made without departing from the creative concept of the present invention, but these all belong to the protection scope of the present invention.

Claims

1. An accounting risk early warning method, characterized in that: include: Acquire historical transaction data, determine a historical accounting link according to the historical transaction data, and construct an accounting link data set according to the historical accounting link, wherein the historical accounting link includes an accounting direction identifier and an account number; Acquire a current accounting link, and verify the current accounting link using the accounting link data set. If the verification of the current accounting link fails, issue a first risk warning; If the number of times the accounting link is used in the first preset number of personal transfer transaction scenarios is lower than the second preset number of times, a second risk warning is issued, wherein the accounting link is used in the accounting scenario.

2. The accounting risk early warning method according to claim 1, characterized in that: Determining a historical accounting link according to the historical transaction data includes: According to the historical transaction data and the accounting information recognition model, the accounting direction identifier and the account number are determined, and the historical accounting link is determined according to the accounting direction identifier and the account number. The accounting information recognition model is obtained by training based on the machine learning model and accounting rules, and the accounting rules are obtained based on the accounting scenario regulations and process analysis.

3. The accounting risk early warning method according to claim 2, characterized in that: Determining a historical accounting link according to the accounting direction identifier and the account number includes: combining the accounting direction identifier and the account number to form a historical accounting link.

4. The account risk early warning method according to claim 3 is characterized in that: Combining the accounting direction identifier and the subject number to form a historical accounting link includes: According to the accounting direction corresponding to the accounting direction identifier and the account name corresponding to the account number, the accounting direction identifier and the account number are combined to form a historical accounting link.

5. The account risk early warning method according to claim 1, characterized in that: Verifying the current accounting link using the accounting link data set includes: The current accounting link is compared with the historical accounting link in the accounting link data set to determine whether there is a historical accounting link in the accounting link data set that is the same as the current accounting link. If so, the current accounting link verification succeeds; otherwise, the current accounting link verification fails.

6. The account risk early warning method according to claim 1, characterized in that: The accounting risk warning method further includes, when there is no historical accounting link identical to the current accounting link in the accounting link data set, determining whether the current accounting link has an accounting direction identification error and / or an account number error.

7. The accounting risk early warning method according to claim 1 is characterized in that: The accounting scenario includes at least one of a deposit business scenario, a loan business scenario, and a financial management business scenario.

8. An account risk early warning device, characterized in that: It includes a data set construction module, a first risk warning module and a second risk warning module; The data set construction module is used to obtain historical transaction data, determine historical accounting links according to the historical transaction data, and construct an accounting link data set according to the historical accounting links, wherein the historical accounting links include an accounting direction identifier and an account number; The first risk warning module is used to obtain the current accounting link, verify the current accounting link using the accounting link data set, and issue a first risk warning if the current accounting link verification fails; The second risk warning module is used to issue a second risk warning if the number of times the accounting link is used in a first preset number of personal transfer transaction scenarios is lower than a second preset number of times, wherein the accounting link is used in the accounting scenario.

9. An electronic device, comprising a memory and a processor, wherein the memory stores a computer program executable by the processor, wherein: When the processor executes the computer program, the account risk early warning method as described in any one of claims 1 to 7 is implemented.

10. A computer-readable storage medium storing a computer program, characterized in that: When the computer program is executed by a processor, the account risk early warning method as described in any one of claims 1 to 7 is implemented.

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