Decision support method and system based on knowledge graph

Abstract

The present application discloses a decision support method and system based on knowledge graph. The method comprises: reading the financial product information corresponding to the financial product to be traded from the first file; determining the transaction stage corresponding to the financial product to be traded by using the knowledge graph; generating a second file corresponding to the transaction stage according to the financial product information; and sending the second file to the superior financial institution when the preset conditions are met. The present application solves the technical problem that in the transaction process of financial products, financial transaction information is easily delayed or omitted between financial institutions in the related technology.

Description

Technical Field

[0001] The present application relates to the field of data processing technology, and specifically, to a decision support method and system based on knowledge graph. Background Art

[0002] With the rapid development of Internet finance, business cooperation between various financial institutions has become increasingly frequent. In the business cooperation of financial institutions, accurate synchronization of financial transaction information is the basis for ensuring the success of transactions. In related technologies, the release and update of financial product information between financial institutions rely on manual uploading or scheduled batch processing, which is prone to information delay or omission.

[0003] To address the above-mentioned problems, no effective solution has been proposed yet. Summary of the invention

[0004] The embodiments of the present application provide a decision support method and system based on a knowledge graph, so as to at least solve the technical problem that in the transaction process of financial products in the related technology, financial transaction information is easily delayed or omitted between financial institutions.

[0005] According to one aspect of an embodiment of the present application, a decision support method based on a knowledge graph is provided, comprising: reading financial product information corresponding to a financial product to be traded from a first file, wherein the first file is a file issued by a superior financial institution for storing financial product information; determining a transaction stage corresponding to the financial product to be traded using a knowledge graph, wherein the nodes of the knowledge graph at least include nodes representing financial products and transaction stage nodes corresponding to the financial products, and the edges of the knowledge graph are at least used to represent the operability of the financial product in the corresponding transaction stage; generating a second file corresponding to the transaction stage based on the financial product information, wherein each transaction stage corresponds to a type of file, and the second file includes the financial product information and the transaction information generated in the transaction stage; and sending the second file to the superior financial institution when preset conditions are met.

[0006] In some embodiments of the present application, when preset conditions are met, the second file is sent to a superior financial institution, including: determining the file type corresponding to the second file, and obtaining the priority corresponding to the file type, the file types including a first type and a second type, and the priority of the first type is higher than the priority of the second type; when the file type corresponding to the second file is the first type, the second file is sent using a first transmission strategy, wherein the first transmission strategy includes sending the second file at a first sending time, and the first sending time is the generation time of the second file; when the file type corresponding to the second file is the second type, the second file is sent using a second transmission strategy, wherein the second transmission strategy includes periodically sending the second file according to a preset time period.

[0007] In some embodiments of the present application, after sending the second file to the superior financial institution, the method also includes: after sending the second file using the first transmission strategy, receiving a third file returned by the superior financial institution, and performing corresponding transaction operations according to the third file, wherein the third file is used to store the confirmation result of the superior financial institution on the financial transaction corresponding to the second file; after sending the second file using the second transmission strategy, obtaining the third file at a preset time, and performing corresponding transaction operations according to the third file, wherein the preset time includes the time from the file sending time within the preset time period to the time corresponding to the end of the preset waiting period.

[0008] In some embodiments of the present application, the method also includes: receiving a fourth file issued by a superior financial institution, wherein the fourth file is used to record the transaction records corresponding to the wealth management products in the first file; reconciling the transaction records with the first transaction records stored locally to obtain a reconciliation result; confirming a second transaction record in which there is a difference in the reconciliation result, and performing data repair on the second transaction record.

[0009] In some embodiments of the present application, generating a second file corresponding to a transaction stage based on financial product information includes: obtaining operation permissions corresponding to a target object, wherein the operation permissions are used to indicate the target object's permission to modify file parameters, the target object includes a lower-level financial structure of a superior financial institution, and the file parameters include file parameters of a first file and / or file parameters of a second file; determining a first parameter corresponding to the operation permissions, wherein the first parameter includes file parameters in the file parameters that the target object does not have permission to modify; determining first information corresponding to the first parameter from the financial product information, and obtaining second information corresponding to a second parameter newly added to the target object, wherein there is no intersection between the second parameter and the first parameter; determining the second file corresponding to the transaction stage based on the first information and the second information.

[0010] In some embodiments of the present application, before reading the wealth management product information corresponding to the wealth management product to be traded from the first file, the method also includes: obtaining a fifth file issued by a superior financial institution, wherein the fifth file is used to store target parameter information corresponding to the wealth management product information in the first file, and the target object does not have the authority to modify the target parameter information; using the target parameter information to update the corresponding wealth management product information in the first file to obtain an updated first file.

[0011] In some embodiments of the present application, the method further includes: if the second file does not exist within the preset time period, sending a sixth file to the superior financial institution at the file sending time corresponding to the preset time period, wherein the sixth file includes an empty file.

[0012] According to another aspect of the embodiment of the present application, a decision support system based on a knowledge graph is also provided, including: a reading module, used to read financial product information corresponding to the financial product to be traded from a first file, wherein the first file is a file issued by a superior financial institution for storing financial product information; a determination module, used to determine the transaction stage corresponding to the financial product to be traded using the knowledge graph, wherein the nodes of the knowledge graph at least include nodes representing financial products and transaction stage nodes corresponding to the financial products, and the edges of the knowledge graph are at least used to represent the operability of the financial product in the corresponding transaction stage; an execution module, used to generate a second file corresponding to the transaction stage based on the financial product information, wherein each transaction stage corresponds to a type of file, and the second file includes the financial product information and the transaction information generated in the transaction stage; a sending module, used to send the second file to the superior financial institution if preset conditions are met.

[0013] According to another aspect of the embodiments of the present application, there is also provided an electronic device, including: a memory and a processor, the memory being used to store program instructions; the processor being connected to the memory and being used to execute and implement the above-mentioned decision support method based on the knowledge graph.

[0014] According to another aspect of an embodiment of the present application, a non-volatile storage medium is also provided, which includes a stored computer program, wherein the device where the non-volatile storage medium is located executes the above-mentioned decision support method based on the knowledge graph by running the computer program.

[0015] According to another aspect of the embodiments of the present application, a computer program product is also provided, including computer instructions, which, when executed by a processor, implement the above-mentioned decision support method based on the knowledge graph.

[0016] In an embodiment of the present application, by reading the wealth management product information from the first file issued by the superior financial institution, generating a second file containing the transaction information according to the transaction stage, and promptly feeding back the second file to the superior financial institution, the purpose of synchronizing information with the superior financial institution according to the timeliness requirements of different transaction stages during the wealth management product transaction process is achieved, thereby achieving the technical effect of effectively improving the synchronization efficiency and accuracy of wealth management transaction information, and further solving the technical problem of related technologies that wealth management transaction information is easily delayed or missed between financial institutions during the transaction process of wealth management products. BRIEF DESCRIPTION OF THE DRAWINGS

[0017] The drawings described herein are used to provide a further understanding of the present application and constitute a part of the present application. The illustrative embodiments of the present application and their descriptions are used to explain the present application and do not constitute an improper limitation on the present application. In the drawings:

[0018] Figure 1It is a hardware structure block diagram of a computer terminal of a decision support method based on a knowledge graph according to an embodiment of the present application;

[0019] Figure 2 is a flow chart of a decision support method based on a knowledge graph according to an embodiment of the present application;

[0020] Figure 3 It is a structural diagram of a decision support system based on a knowledge graph according to an embodiment of the present application. DETAILED DESCRIPTION

[0021] In order to enable those skilled in the art to better understand the solution of the present application, the technical solution in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments are only part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of the present application.

[0022] It should be noted that the terms "first", "second", etc. in the specification and claims of the present application and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchangeable where appropriate, so that the embodiments of the present application described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any of their variations are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device comprising a series of steps or units is not necessarily limited to those steps or units clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0023] In order to better understand the embodiments of the present application, the technical terms involved in the embodiments of the present application are explained as follows:

[0024] Trading stages of financial products: In the entire life cycle of financial products from issuance to redemption, a series of stages with specific functions and operations can be divided according to the different business status and processes of financial products. Trading stages include but are not limited to product release, fundraising period, closed period, open period, redemption period, dividend distribution, maturity payment, liquidation, etc. In each trading stage, the system and customers can perform specific trading operations, such as allowing subscription during the fundraising period, allowing redemption after the end of the closed period, dividend distribution during the dividend distribution stage, and completing the payment of product principal and income during the maturity payment stage.

[0025] In the related art, the synchronization of financial transaction information between financial institutions or between financial institutions and financial product distribution systems mainly relies on manual operations, such as manually uploading product data or updating system information through scheduled batch processing. The more links that are manually intervened, the greater the probability of errors, which can easily lead to delayed synchronization of data or omission of key information. The scheduled batch processing method cannot effectively respond to emergencies, and its fixed processing cycle cannot meet the high real-time requirements. In addition, different transaction stages of financial products have different timeliness requirements, and the scheduled batch processing method cannot distinguish the information synchronization of different transaction stages.

[0026] In order to solve the above technical problems, the embodiments of the present application provide corresponding solutions, which are described in detail below.

[0027] The knowledge graph-based decision support method embodiment provided in the embodiments of the present application can be executed in a mobile terminal, a computer terminal or a similar computing device. Figure 1 FIG. 1 shows a hardware structure block diagram of a computer terminal for implementing a decision support method based on a knowledge graph. Figure 1 As shown, the computer terminal 10 may include one or more (102a, 102b, ..., 102n are used to illustrate) processors (the processor may include but is not limited to a processing device such as a microprocessor MCU or a programmable logic device FPGA), a memory 104 for storing data, and a transmission module 106 for communication functions connected via a wired and / or wireless network. In addition, it may also include: a display, a keyboard, a cursor control device, an input / output interface (I / O interface), a universal serial bus (USB) port (which may be included as one of the ports of the I / O interface), a network interface, and a BUS bus. Those skilled in the art will understand that Figure 1 The structure shown is only for illustration and does not limit the structure of the above electronic device. Figure 1 More or fewer components as shown, or with Figure 1 Different configurations are shown.

[0028] It should be noted that the one or more processors and / or other data processing circuits described above may generally be referred to herein as "data processing circuits". The data processing circuits may be embodied in whole or in part as software, hardware, firmware, or any other combination thereof. In addition, the data processing circuit may be a single independent processing module, or may be incorporated in whole or in part into any of the other components in the computer terminal 10. As described in the embodiments of the present application, the data processing circuit acts as a processor control (e.g., selection of a variable resistor terminal path connected to an interface).

[0029] The memory 104 can be used to store software programs and modules of application software, such as the program instructions / data storage device corresponding to the decision support method based on the knowledge graph in the embodiment of the present application. The processor executes various functional applications and data processing by running the software programs and modules stored in the memory 104, that is, realizing the above-mentioned decision support method based on the knowledge graph. The memory 104 may include a high-speed random access memory, and may also include a non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some instances, the memory 104 may further include a memory remotely arranged relative to the processor, and these remote memories may be connected to the computer terminal 10 via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0030] The transmission module 106 is used to receive or send data via a network. The specific example of the above network may include a wireless network provided by a communication provider of the computer terminal 10. In one example, the transmission module 106 includes a network adapter (Network Interface Controller, NIC), which can be connected to other network devices through a base station so as to communicate with the Internet. In one example, the transmission module 106 can be a radio frequency (RF) module, which is used to communicate with the Internet wirelessly.

[0031] The display may be, for example, a touch screen liquid crystal display (LCD) that enables a user to interact with a user interface of the computer terminal 10 .

[0032] It should be noted that, in some optional embodiments, the above Figure 1 The computer terminal shown may include hardware elements (including circuits), software elements (including computer code stored on a computer-readable medium), or a combination of hardware elements and software elements. It should be noted that Figure 1 This is merely one example of a particular embodiment and is intended to illustrate the types of components that may be present in the computer terminal described above.

[0033] In the above-mentioned operating environment, an embodiment of the present application provides an embodiment of a decision support method based on a knowledge graph. It should be noted that the steps shown in the flowchart in the accompanying drawings can be executed in a computer system such as a set of computer executable instructions, and although the logical order is shown in the flowchart, in some cases, the steps shown or described can be executed in an order different from that shown here.

[0034] Figure 2 is a flow chart of a decision support method based on knowledge graph according to an embodiment of the present application, such as Figure 2 As shown, the method comprises the following steps:

[0035] Step S202, reading the financial product information corresponding to the financial product to be traded from the first file, wherein the first file is a file issued by a superior financial institution for storing the financial product information.

[0036] In the above step S202, the financial products to be traded refer to financial products that are about to be subscribed, purchased, redeemed or other trading activities. Financial product information includes but is not limited to product code, product name, product type (such as net value type, expected return type), risk level, rate of return, fundraising amount, fundraising period, opening date, etc. The first file is a file issued by the superior financial institution (such as a financial subsidiary, head office, etc.) through a specific file interface (such as a 043 file) and is used to store the latest financial product information.

[0037] In a scenario where financial product information needs to be frequently and dynamically updated, in order to ensure the latest status of the financial product information, the following steps can also be performed: obtain the fifth file issued by the superior financial institution, wherein the fifth file is used to store target parameter information corresponding to the financial product information in the first file, and the target object does not have the authority to modify the target parameter information; use the target parameter information to update the corresponding financial product information in the first file to obtain an updated first file.

[0038] The fifth file is a file issued by a superior financial institution, and is used to store specific parameter information, which is associated with the financial product information in the first file. In some embodiments of the present application, the fifth file issued by the superior financial institution through a file interface (such as FTP, SFTP or other file transfer protocols) is received. After the fifth file is received, the fifth file is parsed using predefined parsing rules to extract target parameter information, and the parsed target parameter information is used to update the corresponding financial product information in the first file.

[0039] The target parameter information refers to the data used to update the parameters of the financial product, such as the fund collection account, the maturity payment account, the dividend payment account, etc. These parameters are uniformly managed by the superior financial institution, and the subordinate institutions can only view but not modify them. In some embodiments of the present application, in the fifth file, the target parameter information can be encrypted and sealed using data sealing technology to ensure that the target parameter information is not tampered with during transmission and storage, and only the entity with the unsealing key can modify this information. Specifically, when the superior financial institution generates the fifth file, it uses the data sealing technology to seal the target parameter information, and sends the sealed fifth file to the target object (the agency selling the financial product, such as the financial institution at the next level of the superior financial institution, etc.), the sealing information contains a key, which is only open to the superior financial institution, and is used to unseal and modify the target parameter information; after the target object receives the fifth file, it automatically parses the file, but cannot unseal the sealed information, so it can only view the basic information of the financial product before the seal, but cannot access or modify the target parameter information.

[0040] Step S204, using the knowledge graph to determine the transaction stage corresponding to the financial product to be traded, wherein the nodes of the knowledge graph at least include nodes representing the financial product and transaction stage nodes corresponding to the financial product, and the edges of the knowledge graph are at least used to represent the operability of the financial product in the corresponding transaction stage.

[0041] In the above step S204, the transaction stage is a specific period in the life cycle of the wealth management product. Each stage allows or restricts different transaction operations, such as subscription, payment, freezing, unfreezing, redemption, etc.

[0042] In some embodiments of the present application, the knowledge graph can be constructed in the following ways:

[0043] (1) Define entities (Node), which may include but are not limited to:

[0044] 1) Product node: represents a financial product, which can include attributes such as product ID, product type (such as closed-end net value type, expected return type), fundraising period, closed period, and redemption period.

[0045] 2) Transaction stage nodes: define the different transaction stages that financial products can go through, such as account opening, subscription, order withdrawal, freezing, unfreezing, and redemption.

[0046] 3) Financial institution node: represents the upper-level financial institution and the lower-level financial institution, and can contain attributes such as the financial institution ID and role (such as the manager of the upper-level financial institution, the sales agency for selling financial products), etc.

[0047] 4) File type node: represents the files used to synchronize transaction information, such as 01 file (account application), 03 file (transaction application), 04 file (transaction confirmation), etc. Each file type is associated with a specific transaction stage and financial institution role.

[0048] (2) Define the relationship (Edge), which may include but is not limited to:

[0049] 1) Association between products and transaction stages: Indicates the specific operations that can be performed on a wealth management product at a certain stage, such as "Closed-end products → no new subscriptions allowed", "Raising period products → account opening allowed".

[0050] 2) Association between transaction stage and file type: define which type of file interface should be used in a certain transaction stage, such as "Subscription → 03 File (Transaction Application)", "Account Opening Confirmation → 02 File (Account Confirmation)".

[0051] 3) Association between financial institution roles and file types: explains how financial institution roles should use specific file types, such as "sales agency → 03 file (sending transaction application)", "manager (manager of the superior financial institution) → 04 file (sending transaction confirmation)".

[0052] (3) Attributes of entities and relationships, which may include but are not limited to:

[0053] 1) Time rules: Add attributes to file interface types, such as "send time", "receive time", etc., to ensure that transactions and file transfers follow time windows.

[0054] 2) Status rules: Add attributes to transaction stages and financial product entities, such as "open status", "closed status", etc., to determine whether products and transactions are in compliance with current operations.

[0055] (4) Map update and maintenance, which may include but is not limited to:

[0056] 1) Real-time update of product status: When the first file (financial product information file) is received, the corresponding product entity status in the knowledge graph is updated to ensure that the graph reflects the latest financial product status.

[0057] 2) Dynamically adjust the transaction stage: According to the change of the status of the wealth management product, the knowledge graph automatically adjusts the next feasible transaction stage to ensure the synchronization of the actual status of the wealth management product.

[0058] 3) Authority management and rule updating: The authority and rules of financial institution role entities can be adjusted in a timely manner based on business needs and compliance requirements.

[0059] Using the knowledge graph to determine the transaction stage corresponding to the financial product to be traded can be achieved through the following steps:

[0060] Step 1: Read the first file to obtain financial product information.

[0061] When the first file is received from the superior financial institution, the file is first parsed to obtain the ID, type, status and other information of the wealth management product to be traded. This information will be used to construct the product node in the knowledge graph; check and update the attributes of the corresponding product node in the knowledge graph to ensure that the product information is synchronized with the knowledge graph.

[0062] Step 2: Query the transaction stage based on the financial product information.

[0063] Using the query function of the knowledge graph, starting from the financial product ID, by traversing the "product-transaction stage" edge, find the transaction stage node that matches the current status of the product. For example, if the financial product is currently in a closed period, the transaction stages related to the closed period will be queried, such as freeze, unfreeze, etc.

[0064] Step 3: Determine the transaction stage and generate the second file.

[0065] According to the query results, the current transaction stage that can be carried out is determined.

[0066] In some embodiments of the present application, the second file type required to be generated at the transaction stage can be further determined through the association of the "transaction stage-file type" edge in the knowledge graph. In the knowledge graph, the file type node connected to the current transaction stage node is found, the corresponding second file is generated, and the product information and transaction information required by the file are filled. For example, if it is determined that the product is in the subscription stage, the "03 File (Transaction Application)" node connected to the "Subscription" transaction stage node can be found through the knowledge graph, thereby generating a second file containing subscription details.

[0067] Step 4: Send the second file according to the preset conditions.

[0068] Through the information on the "Financial Institution-File Type" edge in the knowledge graph, the preset conditions for sending files, such as file sending time, sending frequency and priority, are identified. According to the preset conditions, the second file is sent to the superior financial institution to synchronize transaction information. For example, if the knowledge graph indicates that "03 File (Transaction Application)" should be sent before 18:00 before the end of the day, the file will be automatically sent to the superior financial institution when the time arrives according to this rule.

[0069] It should be noted that in some embodiments of the present application, when the types of financial products are relatively single, in order to quickly determine the transaction stage, the current transaction stage of the financial product to be traded can also be determined by directly querying the status parameters in the parameter information of the financial product, such as the fundraising start and end time, the closed period, the open trading time, etc. For example, if the current time is between the fundraising start time and the end time, it is determined that the product is in the fundraising period and the subscription operation is allowed; if the current time is in the closed period, the redemption operation will be restricted. Alternatively, a time logic module is designed, which is responsible for monitoring the key time nodes of the financial product, such as the end of the fundraising period, the beginning of the closed period, the start of the open period, etc., and automatically switching the transaction stage of the product according to these time nodes. For example, after the fundraising period ends, the product status is automatically updated to the closed period, and new subscription operations are prohibited, but payment and freezing operations are allowed.

[0070] Step S206, generating a second file corresponding to the transaction stage according to the financial product information, wherein each transaction stage corresponds to a type of file, and the second file includes the financial product information and the transaction information generated in the transaction stage.

[0071] In the above step S206, the second file is used to record the wealth management product information and transaction activity details of a specific transaction stage, so as to facilitate data synchronization and confirmation with the wealth management subsidiary or other institutions. Each transaction stage corresponds to a different second file, such as file 03 represents the transaction application, and file 04 represents the transaction confirmation.

[0072] In some embodiments of the present application, the transaction stage that the financial product is in can be automatically determined by pre-set transaction stage identification logic, combined with the financial product parameter information and the current time, and the corresponding generated file type can be determined according to the pre-defined mapping rules. For example, it is possible to determine whether the product is in the fundraising period by the fundraising start and end dates in the financial product parameters. If so, a 03 file (transaction application file) is generated to record transaction information including subscription requests; and after the product closed period ends, a T+N file (N>0, usually used for confirmation operations) is generated to record the customer's redemption request; in addition, it is also possible to check whether the financial product has confirmed the share and send confirmation information through a 04 file (transaction confirmation file).

[0073] In each transaction stage, all information related to financial product transactions, including customer transaction records, fund changes, dividend and interest details, etc., is collected in real time. Based on the transaction stage and the characteristics of the collected information, this information can be packaged into the corresponding second file in a predefined format. For example, after a customer makes a subscription operation, the transaction details, including customer ID, financial product code, subscription amount, subscription time, etc., are automatically collected and packaged into the 03 file for data interaction with the wealth management subsidiary during the end-of-day batch processing.

[0074] It should be noted that the second file can also be generated using the knowledge graph, and specific reference may be made to the content corresponding to step S204.

[0075] In order to ensure the security and accuracy of transaction information, permission control can be performed when generating the second file corresponding to the transaction stage, specifically: obtaining the operation permission corresponding to the target object, wherein the operation permission is used to indicate the target object's permission to modify file parameters, the target object includes the next-level financial structure of the superior financial institution, and the file parameters include the file parameters of the first file and / or the file parameters of the second file; determining the first parameter corresponding to the operation permission, wherein the first parameter includes the file parameters in the file parameters that the target object does not have the permission to modify; determining the first information corresponding to the first parameter from the wealth management product information, and obtaining the second information corresponding to the second parameter newly added by the target object, wherein there is no intersection between the second parameter and the first parameter; determining the second file corresponding to the transaction stage based on the first information and the second information.

[0076] File parameters refer to the data fields that constitute the first file (financial product parameter information file) and the second file (transaction information file during the transaction phase), including but not limited to information such as financial product code, type, rate of return, fundraising period, closed period, and open period.

[0077] The first parameter refers to the information in the file parameters that the target object does not have the authority to modify. These parameters are set and maintained by the superior financial institution or the issuer of the wealth management product. The second parameter does not overlap with the first parameter, that is, the parameters that the target object has the authority to modify, such as customer transaction records, fund changes, etc.

[0078] In some embodiments of the present application, before generating the second file, the permission database can be queried through the identifier of the target object (such as the institution code or user ID), and the operation permission corresponding to the target object can be obtained from the permission database (recording the operation permissions of different target objects, including readable permission, writable permission, etc.); based on the operation permission information, the first parameter that the target object does not have the modification permission is screened out from the wealth management product information; the first information (such as the product code and type) corresponding to the first parameter is extracted from the wealth management product parameter information (first file), and the transaction operation information (second information) performed by the target object in the current transaction stage is collected, such as the customer's subscription, withdrawal, freezing and other transaction records; based on the first information and the second information, the second file corresponding to the transaction stage is generated, for example, the wealth management product code, type and other information in the first information are first merged with the customer transaction records in the second information to form a complete transaction data set, and the data set is converted into a corresponding file format according to a predefined file format, such as a 03 file (transaction application file).

[0079] Step S208: If the preset conditions are met, the second file is sent to a superior financial institution.

[0080] In the above step S208, in some embodiments of the present application, before sending the second file to the superior financial institution, a series of preset condition checks can be performed to ensure the compliance and accuracy of the file, for example, performing an integrity check on the second file to ensure that all necessary transaction information is recorded; verifying the validity of the data and checking whether the transaction amount is within the range set by the product parameters; confirming the correctness of the transaction stage, such as allowing redemption-related documents to be sent only after the closed period ends.

[0081] In order to ensure the security of the second file during transmission, encryption technology can also be used to encrypt the file content. For example, the second file can be encrypted using the SSL / TLS protocol to ensure the security of data during transmission and prevent information from being intercepted or tampered with.

[0082] In order to effectively distinguish the processing of emergency transaction information and non-emergency transaction information, ensure instant feedback of emergency transaction information and regular aggregation of non-emergency transaction information, the second file can be transmitted by setting file priority and different transmission strategies, specifically: determine the file type corresponding to the second file, and obtain the priority corresponding to the file type, the file type includes a first type and a second type, and the priority of the first type is higher than the priority of the second type; when the file type corresponding to the second file is the first type, use the first transmission strategy to send the second file, wherein the first transmission strategy includes sending the second file at a first sending time, and the first sending time is the generation time of the second file; when the file type corresponding to the second file is the second type, use the second transmission strategy to send the second file, wherein the second transmission strategy includes periodically sending the second file according to a preset time period.

[0083] The first type refers to the file type containing urgent transaction information, such as customer subscription cancellation, freeze application, etc., which need to be sent and processed immediately; the second type refers to the file type containing non-urgent transaction information, such as account confirmation (02 file), dividend data (06 file), etc. These files can be sent periodically according to the preset time period to reduce the frequency of network transmission.

[0084] Through the mapping table of file types and priorities, when the second file is generated, the file type can be automatically identified according to the file content (such as transaction type, operation time, etc.), and the corresponding priority can be obtained from the mapping table. For example, the transaction application file (03 file) will be automatically identified as the first type and have a high priority.

[0085] For the second file marked as the first type, an instant sending strategy is adopted to ensure that the file is sent to the superior financial institution quickly after generation, thereby reducing transaction feedback time; for the second file marked as the second type, a periodic sending strategy is adopted to aggregate the files and send them uniformly within a preset time period.

[0086] Within a preset time period, when the sending time of a second file of the second type is the same as the first sending time of a file of the first type, the file of the first type is sent first. That is, before sending the files, they can be sorted according to their priority to ensure that high-priority files (such as transaction application files) are sent first.

[0087] In order to avoid transaction errors caused by information feedback delays, after sending the second file to the superior financial institution, the following steps can also be performed: after sending the second file using the first transmission strategy, receiving the third file returned by the superior financial institution, and performing corresponding transaction operations according to the third file, wherein the third file is used to store the confirmation result of the superior financial institution on the financial transaction corresponding to the second file; after sending the second file using the second transmission strategy, obtaining the third file at a preset time, and performing corresponding transaction operations according to the third file, wherein the preset time includes the time from the file sending time within the preset time period to the time corresponding to the end of the preset waiting period.

[0088] The third file is a file returned by the superior financial institution and is used to store the confirmation result of the transaction information in the second file.

[0089] In the emergency transaction processing, a real-time feedback mechanism is adopted, that is, after sending the second file, the feedback channel of the superior financial institution is immediately monitored, the third file is received and parsed, and the corresponding business operations are performed according to the confirmation results, such as the confirmation feedback of the customer's subscription cancellation and the unfreezing of funds. For example, when a customer initiates a subscription cancellation operation for a wealth management product, the 03 file is generated and sent, and then immediately waits for the return of the 04 file, which contains the cancellation confirmation information. If the 04 file confirms that the cancellation is successful, the funds in the customer's wealth management account are automatically unfrozen, and a confirmation SMS is sent to the customer; if the cancellation fails, the frozen state will be retained, and the customer will be notified of the specific reasons for the failure via SMS.

[0090] In non-urgent transaction processing, a periodic feedback mechanism is adopted, that is, after the second file is sent, according to the preset waiting period, the feedback information of the superior financial institution is regularly checked within each preset time period, and the third file is received and parsed. For example, for the feedback of account confirmation information, the 02 file can be received from the superior financial institution at 9:00 a.m. (preset time) on the next working day (preset time period) after the file is sent, which contains the detailed results of the account confirmation. After parsing the 02 file, the customer account status is updated according to the confirmation result, such as successful account opening, account cancellation confirmation, etc.

[0091] If no feedback from the third file is received within a preset time period, an exception handling process can be initiated, including sending a retry request, manual intervention, or recording an exception log.

[0092] It should be noted that the knowledge graph can also be used to send the second file to the superior financial institution. For details, please refer to the content corresponding to step S204.

[0093] Through the reconciliation mechanism, differences in transaction records can be discovered and corrected in a timely manner. Specifically: receiving the fourth file issued by the superior financial institution, where the fourth file is used to record the transaction records corresponding to the wealth management products in the first file; reconciling the transaction records with the first transaction records stored locally to obtain the reconciliation results; confirming the second transaction records with differences in the reconciliation results, and repairing the data of the second transaction records.

[0094] The fourth file is a file generated and sent by a superior financial institution (such as a wealth management subsidiary), which records the transaction records of the wealth management product in the first file (wealth management product parameter information file) within a specific time range, and is used for reconciliation and data verification. In some embodiments of the present application, the fourth file can be received from the superior financial institution on a regular basis or in response to a specific event (such as the end of a trading day); the transaction records in the fourth file, including the customer ID, wealth management product code, transaction amount, transaction time, etc., are extracted and compared with the transaction records stored in the local database; the reconciliation results are recorded, and the local transaction records (second transaction records) that are inconsistent with the data in the fourth file are marked; data repair operations are performed according to the difference type and predefined repair rules. For example, if it is found that the amount of a customer's subscription record stored locally is inconsistent with the data in the fourth file, the data repair process can be automatically triggered, and the transaction amount in the local database can be updated according to the preset rules. If it is found that a transaction record is missing from the local database, the transaction record is supplemented from the fourth file to ensure the integrity of the local data.

[0095] In some embodiments of the present application, when the second file does not exist within the preset time period, a sixth file is sent to the superior financial institution at the file sending time corresponding to the preset time period, wherein the sixth file includes an empty file.

[0096] If there is no second file to be sent (i.e. no transaction occurs) within the preset time period, an empty file can be sent to the superior financial institution to maintain the active state of the communication link and confirm the system status. For example, at the daily batch processing time (the file sending time corresponding to the preset time period, such as 03:00 the next day), if it is detected that no transaction application (03 file) or account confirmation (02 file) was generated on the previous trading day (within the preset time period), the scheduled task is automatically triggered to generate and send the sixth file (empty file) to the superior financial institution to maintain the active state of the communication link.

[0097] After receiving the sixth file (empty file) sent by the agency, the superior financial institution will immediately return a confirmation message to confirm that the file has been successfully received. If the confirmation message is received and parsed within the preset waiting period (e.g. 5 minutes), the communication link status is recorded as normal; if the confirmation is not received within the preset waiting period, the link detection or resending mechanism of the sixth file can be started to confirm whether the link is normal or retry the file sending to ensure the continuity of data transmission and stable communication.

[0098] Through the above steps S202 to S208, by reading the wealth management product information from the first file issued by the superior financial institution, generating a second file containing the transaction information according to the transaction stage, and promptly feeding back the second file to the superior financial institution, the purpose of synchronizing information with the superior financial institution according to the timeliness requirements of different transaction stages during the wealth management product transaction process is achieved, thereby achieving the technical effect of effectively improving the synchronization efficiency and accuracy of wealth management transaction information, and further solving the technical problem of related technologies that wealth management transaction information is easily delayed or missed between financial institutions during the transaction process of wealth management products.

[0099] In a specific embodiment of the present application, the specific file types involved are shown in the following table:

[0100] Table 1: Table of file types.

[0101]

[0102] In Table 1, taking the 01 file (account application) as an example, before 18:00 in the daytime batch, all the customer's account operation applications, including account opening, account closing, account information modification and cancellation of trading accounts, are sent to the superior financial institution through the 01 file. For example, account opening (001) means that when a customer opens a new account for a wealth management product, the customer's basic information (such as name, ID number, contact information, etc.) and account opening parameters (such as account type, trading permissions, etc.) are collected, and the account opening application is sent to the superior financial institution through the 001 record in the 01 file. Account closing (002) means that when a customer applies to close his wealth management account, the account closing application is sent to the superior financial institution through the 002 record in the 01 file.

[0103] Figure 3 is a structural diagram of a decision support system based on a knowledge graph according to an embodiment of the present application, such as Figure 3 As shown, the device comprises:

[0104] The reading module 302 is used to read the financial product information corresponding to the financial product to be traded from the first file, wherein the first file is a file issued by a superior financial institution for storing the financial product information;

[0105] A determination module 304 is used to determine the transaction stage corresponding to the financial product to be traded by using the knowledge graph, wherein the nodes of the knowledge graph at least include nodes representing the financial product and transaction stage nodes corresponding to the financial product, and the edges of the knowledge graph at least represent the operability of the financial product in the corresponding transaction stage;

[0106] An execution module 306 is used to generate a second file corresponding to a transaction stage according to the financial product information, wherein each transaction stage corresponds to a type of file, and the second file includes the financial product information and the transaction information generated in the transaction stage;

[0107] The sending module 308 is used to send the second file to a superior financial institution when a preset condition is met.

[0108] It should be noted that Figure 3 The knowledge graph-based decision support system shown is used to perform Figure 2 The decision support method based on knowledge graph is shown in Figure 2 The relevant explanations in the knowledge graph-based decision support method in Figure 3 The decision support system based on knowledge graph shown in the figure will not be described in detail here.

[0109] An embodiment of the present application also provides an electronic device, which includes a memory and a processor, wherein the memory is used to store program instructions; the processor is connected to the memory and is used to execute the steps of the knowledge graph-based decision support method in each embodiment of the present application.

[0110] For example, the processor performs the following functions by executing program instructions stored in the memory:

[0111] Read the financial product information corresponding to the financial product to be traded from the first file, wherein the first file is a file issued by the superior financial institution for storing the financial product information; use the knowledge graph to determine the transaction stage corresponding to the financial product to be traded, wherein the nodes of the knowledge graph at least include nodes representing the financial product and transaction stage nodes corresponding to the financial product, and the edges of the knowledge graph are at least used to represent the operability of the financial product in the corresponding transaction stage; generate a second file corresponding to the transaction stage based on the financial product information, wherein each transaction stage corresponds to a type of file, and the second file includes the financial product information and the transaction information generated in the transaction stage; if the preset conditions are met, send the second file to the superior financial institution.

[0112] An embodiment of the present application also provides a non-volatile storage medium, which includes a stored computer program, wherein the device where the non-volatile storage medium is located executes the steps of the decision support method based on the knowledge graph in each embodiment of the present application by running the computer program.

[0113] An embodiment of the present application also provides a computer program product, including computer instructions, which, when executed by a processor, implement the steps of the knowledge graph-based decision support method in each embodiment of the present application.

[0114] An embodiment of the present application also provides a computer program, which, when executed by a processor, implements the steps of the decision support method based on the knowledge graph in each embodiment of the present application.

[0115] The serial numbers of the above-mentioned embodiments of the present application are for description only and do not represent the advantages or disadvantages of the embodiments.

[0116] In the above embodiments of the present application, the description of each embodiment has its own emphasis. For parts that are not described in detail in a certain embodiment, please refer to the relevant description of other embodiments.

[0117] In the several embodiments provided in this application, it should be understood that the disclosed technical content can be implemented in other ways. Among them, the device embodiments described above are only schematic. For example, the division of the units can be a logical function division. There may be other division methods in actual implementation. For example, multiple units 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 units or modules, which can be electrical or other forms.

[0118] The units described as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed on multiple units. Some or all of the units may be selected according to actual needs to achieve the purpose of the present embodiment.

[0119] In addition, each functional unit in each embodiment of the present application may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit. The above-mentioned integrated unit may be implemented in the form of hardware or in the form of software functional units.

[0120] If the integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present application, or the part that contributes to the prior art, or all or part of the technical solution can be embodied in the form of a software product. The computer software product is stored in a storage medium, including several instructions for a computer device (which can be a personal computer, server or network device, etc.) to execute all or part of the steps of the method described in each embodiment of the present application. The aforementioned storage medium includes: U disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), mobile hard disk, disk or optical disk, etc., which can store program code.

[0121] The above is only a preferred implementation of the present application. It should be pointed out that for ordinary technicians in this technical field, several improvements and modifications can be made without departing from the principles of the present application. These improvements and modifications should also be regarded as the scope of protection of the present application.

Claims

1. A decision support method based on knowledge graph, characterized in that: include: Reading financial product information corresponding to the financial product to be traded from a first file, wherein the first file is a file issued by a superior financial institution for storing financial product information; Determine the transaction stage corresponding to the to-be-traded financial product using a knowledge graph, wherein the nodes of the knowledge graph at least include nodes representing financial products and transaction stage nodes corresponding to the financial products, and the edges of the knowledge graph at least represent the operability of the financial product in the corresponding transaction stage; Generate a second file corresponding to the transaction stage according to the financial product information, wherein each transaction stage corresponds to a type of file, and the second file includes the financial product information and the transaction information generated in the transaction stage; When the preset conditions are met, the second file is sent to the superior financial institution.

2. The method according to claim 1, characterized in that When the preset conditions are met, sending the second file to the superior financial institution includes: Determine a file type corresponding to the second file, and obtain a priority corresponding to the file type, wherein the file type includes a first type and a second type, and the priority of the first type is higher than the priority of the second type; In a case where the file type corresponding to the second file is the first type, sending the second file using a first transmission strategy, wherein the first transmission strategy includes sending the second file at a first sending time, and the first sending time is a generation time of the second file; In a case where the file type corresponding to the second file is the second type, the second file is sent using a second transmission strategy, wherein the second transmission strategy includes periodically sending the second file according to a preset time period.

3. The method according to claim 2, characterized in that After sending the second file to the superior financial institution, the method further includes: After sending the second file using the first transmission strategy, receiving a third file returned by the superior financial institution, and performing corresponding transaction operations according to the third file, wherein the third file is used to store the confirmation result of the superior financial institution on the financial transaction corresponding to the second file; After sending the second file using the second transmission strategy, the third file is obtained at a preset time, and a corresponding transaction operation is performed according to the third file, wherein the preset time includes a time from the file sending time within the preset time period to the time corresponding to the end of the preset waiting period.

4. The method according to claim 1, characterized in that: The method further comprises: receiving a fourth file issued by the superior financial institution, wherein the fourth file is used to record the transaction records corresponding to the wealth management product in the first file; Reconciling the transaction record with the first transaction record stored locally to obtain a reconciliation result; Confirm the second transaction record in which there is a difference in the reconciliation result, and perform data repair on the second transaction record.

5. The method according to claim 1, characterized in that Generating a second file corresponding to the transaction stage according to the financial product information includes: Acquire an operation permission corresponding to a target object, wherein the operation permission is used to indicate the target object's permission to modify file parameters, the target object includes a lower-level financial structure of the upper-level financial institution, and the file parameters include file parameters of the first file and / or file parameters of the second file; Determine a first parameter corresponding to the operation permission, wherein the first parameter includes a file parameter in the file parameter in which the target object does not have the modification permission; Determine first information corresponding to the first parameter from the financial product information, and obtain second information corresponding to a second parameter newly added to the target object, wherein there is no intersection between the second parameter and the first parameter; A second file corresponding to the transaction stage is determined according to the first information and the second information.

6. The method according to claim 5, characterized in that Before reading the financial product information corresponding to the financial product to be traded from the first file, the method further includes: Obtaining a fifth file issued by the superior financial institution, wherein the fifth file is used to store target parameter information corresponding to the wealth management product information in the first file, and the target object does not have modification authority for the target parameter information; The target parameter information is used to update the corresponding financial product information in the first file to obtain an updated first file.

7. The method according to claim 2, characterized in that: The method further includes: when the second file does not exist within the preset time period, sending a sixth file to the superior financial institution at a file sending time corresponding to the preset time period, wherein the sixth file includes an empty file.

8. A decision support system based on knowledge graph, characterized in that: include: A reading module, used to read the financial product information corresponding to the financial product to be traded from a first file, wherein the first file is a file issued by a superior financial institution for storing the financial product information; A determination module, configured to determine the transaction stage corresponding to the to-be-traded financial product by using a knowledge graph, wherein the nodes of the knowledge graph at least include nodes representing financial products and transaction stage nodes corresponding to the financial products, and the edges of the knowledge graph at least represent the operability of the financial product in the corresponding transaction stage; An execution module, configured to generate a second file corresponding to the transaction stage according to the financial product information, wherein each transaction stage corresponds to a type of file, and the second file includes the financial product information and the transaction information generated in the transaction stage; The sending module is used to send the second file to the superior financial institution when a preset condition is met.

9. An electronic device, characterized in that: include: A memory and a processor, wherein the memory is used to store program instructions; the processor is connected to the memory and is used to execute the decision support method based on the knowledge graph as described in any one of claims 1 to 7.

10. A non-volatile storage medium, characterized in that: The non-volatile storage medium includes a stored computer program, wherein the device where the non-volatile storage medium is located executes the decision support method based on the knowledge graph as described in any one of claims 1 to 7 by running the computer program.

11. A computer program product comprising computer instructions, characterized in that: When the computer instructions are executed by a processor, the decision support method based on the knowledge graph described in any one of claims 1 to 7 is implemented.

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