User account screening method and device, electronic equipment and program product

Abstract

The invention discloses a user account screening method and device, electronic equipment and a program product, and relates to the field of financial science and technology, and the screening method comprises the steps: carrying out the query in a preset rule set based on a user identifier corresponding to a user account when monitoring that at least one user account carries out the target business handling, and obtaining a query result; when the query result indicates that the user identifier exists in the at least one user identifier list, determining a user account indicated by the user identifier as a preset account; based on the preset weight corresponding to each preset rule, determining the grade of each preset rule, and based on all the grades, determining a target operation executed on the preset account; and screening all the preset accounts based on the target operation corresponding to each preset account to obtain a target account set. According to the method and the device, the technical problem that the user accounts cannot be accurately screened in related technologies is solved.

Description

TECHNICAL FIELD

[0001] The present application relates to the field of financial technology, in particular to a user account screening method and device, electronic equipment and program product. BACKGROUND

[0002] Currently, financial institutions may need to subdivide and manage user groups when processing businesses. In existing customer relationship management systems, each financial institution adopts an independent operation strategy, screens part of the customers according to different rules, and the screening rules between different departments within each financial institution are also different. In this mode, the screening rules are various and lack coordination mechanisms. Due to the inconsistency of screening requirements and screening rules, it is impossible to establish a unified dimension customer screening strategy, which leads to inaccurate customer screening, resulting in uneven resource allocation and resource waste.

[0003] At present, no effective solution has been proposed for the above problems. SUMMARY

[0004] The embodiments of the present application provide a user account screening method and device, electronic equipment and program product to at least solve the technical problem that the user account cannot be accurately screened in the related art.

[0005] According to an aspect of an embodiment of the present application, a user account screening method is provided, comprising: when at least one user account is monitored to perform a target business, querying a preset rule set based on a user identifier corresponding to the user account to obtain a query result, wherein the preset rule set at least includes a plurality of preset rules, and each preset rule corresponds to a user identifier list satisfying the preset rule; in the case that the query result indicates that the user identifier exists in at least one user identifier list, determining the user account indicated by the user identifier as a preset account, wherein each user identifier list corresponds to a preset rule corresponding to a preset weight; determining the level of each preset rule based on the preset weight corresponding to each preset rule, and determining the target operation performed on the preset account based on all levels; screening all preset accounts based on the target operation corresponding to each preset account to obtain a target account set.

[0006] Further, before the step of querying in the preset rule set based on the user identifier corresponding to the user account to obtain a query result, the method further comprises: collecting historical data information of a plurality of user accounts, wherein the historical data information at least comprises a user identifier; when it is detected that the user account is a first preset user account, constructing a first relationship graph based on the user identifier of the first preset user account and the historical data information of the first preset user account; when it is detected that the user account is a second preset user account, constructing a second relationship graph based on the user identifier of the second preset user account and the historical data information of the second preset user account; and constructing a historical data information set based on the first relationship graph and the second relationship graph.

[0007] Further, before the step of querying in the preset rule set based on the user identifier corresponding to the user account to obtain a query result, the method further comprises: determining a plurality of preset rules, and determining a preset rule set based on all the preset rules; and assigning a preset weight to each preset rule in the preset rule set to obtain a preset rule weight set of all the preset rules.

[0008] Further, the step of determining a plurality of preset rules and determining a preset rule set based on all the preset rules comprises: determining a preset supervision rule and determining a preset business risk control rule; determining a preset business rule based on business requirements; and determining the preset rule set based on the preset supervision rule, the preset business risk control rule and the preset business rule.

[0009] Further, before the step of determining the preset rule set based on the preset supervision rule, the preset business risk control rule and the preset business rule, the method further comprises: obtaining a preset supervision account list, and determining a supervision user identifier list corresponding to the preset supervision account list based on the preset supervision account list and the historical data information set; and determining a credit score of each user account based on the historical data information set.

[0010] Further, the historical data information set at least includes: loan data information and transaction records, and the step of determining the preset rule set based on the preset regulatory rules, the preset business risk control rules and the preset business rules comprises: adding the regulatory user identifier list to the preset regulatory rule list; for each user account, determining whether the credit score is less than a preset threshold, and in the case that the credit score is less than the preset threshold, adding the user identifier corresponding to the user account to the preset business risk control rule list; or, based on the transaction records, determining whether the user account has no transaction within a preset time period, and in the case that the user account has no transaction within the preset time period, adding the user identifier corresponding to the user account to the preset business rule list; for the user indicated by the user identifier corresponding to each user account, determining whether the user has multiple loans based on the loan data information, and in the case that the user has multiple loans, adding the user identifier corresponding to the user to the preset business risk control rule list; and determining the preset rule set based on the preset regulatory rule list, the preset business risk control rule list and the preset business rule list.

[0011] Further, the preset rule weight set at least includes: a preset regulatory weight and a preset business risk control weight, and after the preset weight is allocated to each preset rule in the preset rule set to obtain the preset rule weight set of all preset rules, further comprising: in the case that the preset regulatory weight is monitored to change, adjusting the preset regulatory weight to obtain a target regulatory weight; or, in the case that the preset business risk control weight is monitored to change, adjusting the preset business risk control weight to obtain a target business risk control weight.

[0012] According to another aspect of the embodiments of the present application, a user account screening device is also provided, which comprises: a first query unit configured to, when at least one user account is monitored to perform a target business, query in a preset rule set based on a user identifier corresponding to the user account to obtain a query result, wherein the preset rule set at least includes: a plurality of preset rules, and each preset rule corresponds to a user identifier list satisfying the preset rule; a first determination unit configured to, in the case that the query result indicates that the user identifier exists in at least one user identifier list, determine the user account indicated by the user identifier as a preset account, wherein each user identifier list corresponds to a preset rule corresponding to a preset weight; a second determination unit configured to determine the level of each preset rule based on the preset weight corresponding to each preset rule, and determine a target operation performed on the preset account based on all levels; and a first screening unit configured to screen all preset accounts based on the target operation corresponding to each preset account to obtain a target account set.

[0013] Further, the screening device of the user account comprises: a first acquisition module, configured to acquire historical data information of a plurality of user accounts before querying a preset rule set based on a user identifier corresponding to the user account to obtain a query result, wherein the historical data information at least comprises the user identifier; a first construction module, configured to construct a first relationship graph based on a user identifier of a first preset user account and historical data information of the first preset user account when detecting that the user account is the first preset user account; a second construction module, configured to construct a second relationship graph based on a user identifier of a second preset user account and historical data information of the second preset user account when detecting that the user account is the second preset user account; and a third construction module, configured to construct a historical data information set based on the first relationship graph and the second relationship graph.

[0014] Further, the screening device of the user account further comprises: a first determination module, configured to determine a plurality of preset rules and determine a preset rule set based on all the preset rules before querying the preset rule set based on a user identifier corresponding to the user account to obtain a query result; and a first allocation module, configured to allocate a preset weight to each preset rule in the preset rule set to obtain a preset rule weight set of all the preset rules.

[0015] Further, the first determination module comprises: a first determination submodule, configured to determine a preset supervision rule and determine a preset business risk control rule; a second determination submodule, configured to determine a preset business rule based on a business requirement; and a third determination submodule, configured to determine the preset rule set based on the preset supervision rule, the preset business risk control rule and the preset business rule.

[0016] Further, the screening device of the user account further comprises: a second determination module, configured to acquire a preset supervision account list and determine a supervision user identifier list corresponding to the preset supervision account list based on the preset supervision account list and the historical data information set before determining the preset rule set based on the preset supervision rule, the preset business risk control rule and the preset business rule; and a third determination module, configured to determine a credit score of each user account based on the historical data information set.

[0017] Further, the historical data information set at least includes: loan data information and transaction records, the third determining submodule includes: a first adding submodule, configured to add the list of supervised user identifiers to the list of preset supervision rules; a first judging submodule, configured to, for each user account, judge whether the credit score is less than a preset threshold, and in a case that the credit score is less than the preset threshold, add the user identifier corresponding to the user account to the list of preset business risk control rules; or a second judging submodule, configured to, based on the transaction records, judge whether the user account has no transaction within a preset time length, and in a case that the user account has no transaction within the preset time length, add the user identifier corresponding to the user account to the list of preset business rules; a third judging submodule, configured to, for each user identifier indicated user of the user account, judge whether the user has multiple loans based on the loan data information, and in a case that the user has multiple loans, add the user identifier corresponding to the user to the list of preset business risk control rules; and a fourth determining submodule, configured to determine the preset rule set based on the list of preset supervision rules, the list of preset business risk control rules and the list of preset business rules.

[0018] Further, the preset rule weight set at least includes: a preset supervision weight and a preset business risk control weight, and the screening device of the user account further includes: a first adjusting module, configured to, after the preset rule weight set of all preset rules is obtained by allocating the preset weight to each preset rule in the preset rule set, adjust the preset supervision weight to obtain a target supervision weight in a case that the preset supervision weight is monitored to change; and a second adjusting module, configured to, in a case that the preset business risk control weight is monitored to change, adjust the preset business risk control weight to obtain a target business risk control weight.

[0019] According to another aspect of the embodiments of the present application, a computer program product is also provided, including a non-volatile computer readable storage medium, the non-volatile computer readable storage medium storing a computer program, the computer program being executed by a processor to implement the above-mentioned any one of the user account screening method.

[0020] According to another aspect of the embodiments of the present application, an electronic device is also provided, including one or more processors and a memory, the memory being configured to store one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors are caused to implement the above-mentioned any one of the user account screening method.

[0021] In the present application, when it is monitored that at least one user account performs target business handling, based on the user identifier corresponding to the user account, a query is performed in the preset rule set to obtain a query result, in the case that the query result indicates that the user identifier exists in at least one user identifier list, the user account indicated by the user identifier is determined as a preset account, the level of each preset rule is determined based on the preset weight corresponding to each preset rule, and the target operation performed on the preset account is determined based on all levels, all preset accounts are screened based on the target operation corresponding to each preset account to obtain a target account set, and the technical problem that the user account cannot be accurately screened in the related art is solved.

[0022] In the present application, in the process of monitoring that the user account performs target business handling, the query operation can be performed in the preset rule set according to the unique user identifier corresponding to the user account to obtain a query result, the preset rule set covers multiple preset rules, each preset rule is associated with a user identifier list conforming to the rule, if the query result shows that the user identifier appears in any user identifier list, the user account pointed to by the user identifier is determined as a preset account, since each preset rule corresponding to each user identifier list is assigned a preset weight, the relative level of each preset rule can be further determined according to the preset weights, then, the specific target operation performed on the preset account can be determined according to the rule level, all preset accounts are screened according to the target operation to obtain a target account set, whether the account satisfies any rule can be verified by querying the preset rule set, so as to realize the screening of the user account, and the technical effect of improving the accuracy of screening the user account is realized. BRIEF DESCRIPTION OF DRAWINGS

[0023] The accompanying drawings, which are included to provide a further understanding of the present application and constitute a part of this application, illustrate embodiments of the present application and together with the description serve to explain the present application. In the drawings:

[0024] Figure 1 Fig. 1 shows a hardware structure block diagram of a computer terminal (or mobile device) for implementing a user account screening method;

[0025] Figure 2 Fig. 2 is a flowchart of a user account screening method according to Embodiment 1 of the present application;

[0026] Figure 3 Fig. 3 is a schematic diagram of an optional user account screening device according to the present application;

[0027] Figure 4 Fig. 4 is a structure block diagram of an electronic device according to the present application. DETAILED DESCRIPTION

[0028] In order to better understand the technical scheme of the present application, the technical scheme in the embodiments of the present application will be described clearly and completely below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments are only a part of the embodiments of the present application, rather than all the embodiments. Based on the embodiments in the present application, all other embodiments obtained by those skilled in the art without creative efforts should fall within the scope of the present application.

[0029] It should be noted that the terms "first", "second" and the like in the description and claims of the present application and the above drawings are used to distinguish similar objects, and do not necessarily indicate a specific order or sequence. It should be understood that the data thus used can be interchanged under appropriate circumstances, so that the embodiments of the present application described herein can be implemented in an order other than that illustrated or described herein. In addition, the terms "include" and "have" and any variations thereof are intended to cover non-exclusive inclusion, for example, a process, method, system, product or device including a series of steps or units does not necessarily have to be limited to those steps or units clearly listed, but can include other steps or units not clearly listed or inherent to these processes, methods, products or devices.

[0030] It should be noted that the information (including but not limited to user equipment information, user personal information, etc.) and data (including but not limited to data for analysis, stored data, displayed data, etc.) collected and related to the present application are all authorized by the user or authorized by all parties, and the collection, storage, use, processing, transmission, provision, disclosure and application of related data comply with relevant laws, regulations and standards in relevant regions, necessary security measures are taken, do not violate public order and good customs, and provide corresponding operation portal for user to choose authorization or refusal. For example, an interface is provided between the system and the related users or agencies. Before obtaining the relevant information, the interface needs to send a request to the aforementioned user or agency, and after receiving the consent information feedback from the aforementioned user or agency, the relevant information is obtained.

[0031] In the present application, through the precise customer screening strategy, the customer relationship can be better maintained, so as to optimize the overall resource allocation efficiency, at the same time, the improved resource allocation can also provide better service for the remaining customers, so as to improve the overall customer satisfaction. In addition, through systematic decision support, the manual processing process is reduced by automatic customer evaluation and screening process, and the labor cost is reduced.

[0032] The present application will be described in detail below in conjunction with various embodiments.

[0033] Embodiment 1

[0034] According to an embodiment of the present application, an embodiment of a method for screening user accounts is also provided. It should be noted that the steps shown in the flowchart of the accompanying drawings can be executed in a computer system such as a set of computer executable instructions, and although a 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.

[0035] The method embodiment provided in the first embodiment of the present application can be executed in a mobile terminal, a computer terminal or a similar computing device. Figure 1 FIG1 shows a hardware structure block diagram of a computer terminal (or mobile device) for implementing a method for screening user accounts. Figure 1 As shown, the computer terminal 10 (or mobile device) may include one or more ( Figure 1 102a, 102b, ..., 102n are used to illustrate) a processor 102 (the processor 102 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 device 106 for communication functions. 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 BUS bus), a network interface, a power supply and / or a camera, wherein the network interface may be connected to a wired and / or wireless network. It will be understood by those skilled in the art 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 than shown, or with Figure 1 Different configurations shown.

[0036] It should be noted that the one or more processors 102 and / or other data processing circuits described above may generally be referred to herein as "data processing circuitry". The data processing circuitry may be embodied in whole or in part as software, hardware, firmware, or any other combination thereof. In addition, the data processing circuitry may be a single independent processing module, or may be incorporated in whole or in part into any of the other components of the computer terminal 10 (or mobile device). As described in the embodiments of the present application, the data processing circuitry serves as a processor control (e.g., selection of a variable resistor terminal path connected to an interface).

[0037] The memory 104 can be used to store software programs of application software and modules, such as program instructions / data storage means corresponding to the user account screening method in the embodiments of the present application. The processor 102 executes various functional applications and data processing by running the software programs and modules stored in the memory 104, i.e. implements the user account screening method described above. The memory 104 can include a high-speed random access memory, and can also include a non-volatile memory, such as one or more magnetic storage devices, flash memories, or other non-volatile solid-state memories. In some examples, the memory 104 can further include a memory remotely arranged with respect to the processor 102, which can be connected to the computer terminal 10 through a network. Examples of the network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0038] The transmission device 106 is used to receive or send data via a network. Specific examples of the network can include a wireless network provided by a communication provider of the computer terminal 10. In one example, the transmission device 106 includes a network adapter (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 device 106 can be a radio frequency (RF) module, which is used to communicate with the Internet in a wireless manner.

[0039] The display can be, for example, a touch screen type liquid crystal display (LCD), which can enable a user to interact with the user interface of the computer terminal 10 (or mobile device).

[0040] Under the above operating environment, the present application provides a user account screening method as shown in Figure 2 Figure 2 is a flowchart of the user account screening method according to Embodiment 1 of the present application, which includes the following steps: Figure 2

[0041] Step S201: When it is monitored that at least one user account performs target service processing, based on a user identifier corresponding to the user account, a query is performed in a preset rule set to obtain a query result, wherein the preset rule set at least includes a plurality of preset rules, and each preset rule corresponds to a list of user identifiers satisfying the preset rule.

[0042] ​​In the embodiment of the present application, when it is monitored that at least one user account (such as a savings account, a credit card account, an investment account, etc.) performs a target service (such as a transfer transaction, a loan, etc.), the user identifier (a code or information uniquely identifying a user) corresponding to the user account can be queried in a preset rule set (including a plurality of preset rules (i.e., predefined rules, such as a preset regulatory rule, a preset service risk control rule, and a preset service rule, etc.), used to evaluate whether the user account meets the conditions, and each preset rule corresponds to a user identifier list satisfying the preset rule) according to a preset rule set (including a plurality of preset rules (i.e., predefined rules, such as a preset regulatory rule, a preset service risk control rule, and a preset service rule, etc.), used to evaluate whether the user account meets the conditions, and each preset rule corresponds to a user identifier list satisfying the preset rule) to obtain a query result.

[0043] In step S202, in a case where the query result indicates that the user identifier exists in at least one user identifier list, the user account indicated by the user identifier is determined as a preset account, wherein each user identifier list corresponds to a preset rule corresponding to a preset weight.

[0044] In the embodiment of the present application, each user identifier list corresponds to a preset rule corresponding to a preset weight (a pre-allocated weight), which can be used to determine the priority of the preset rule. In a case where the query result indicates that the user identifier exists in at least one user identifier list, the user account indicated by the user identifier can be determined as a preset account.

[0045] In step S203, the level of each preset rule is determined based on the preset weight corresponding to each preset rule, and the target operation performed on the preset account is determined based on all levels.

[0046] In the embodiment of the present application, the level of each preset rule is determined according to the preset weight corresponding to each preset rule. For example, the base weight of the regulatory compliance type rule (i.e., the preset regulatory rule) can be set to 0.6, the weight of the risk control type rule (i.e., the preset service risk control rule) can be set to 0.3, and the preset service rule can be set to 0.1. By determining the level of each preset rule, the target operation performed on the preset account can be determined according to the level.

[0047] For example, when the preset account only exists in the user identifier list under the preset service risk control rule, the target operation of suspending account transactions and waiting for manual review can be performed. When the preset account exists in the user identifier list under the preset regulatory rule and the preset service risk control rule, and the level of the preset regulatory rule is high, the target operation of sending the following information to the user: Dear customer, your account [tail number 8888] has been suspended due to triggering [the preset regulatory rule], please log in to the mobile program to appeal.

[0048] Step S204, filtering all preset accounts based on the target operation corresponding to each preset account, to obtain a target account set.

[0049] In the embodiment of the application, according to the target operation to be performed on the preset accounts, the preset accounts are classified and selected, and the accounts meeting the specific operation conditions (such as limited service and optimized management) are found from all the preset accounts to obtain the target account set. The filtering process ensures that only the accounts meeting the conditions are selected into the target account set, which not only improves the pertinence of the operation, but also avoids unnecessary intervention on the accounts not affected.

[0050] In summary, when detecting the business activities of the user accounts, the user identification of the account can be queried in the preset rule set, which covers multiple dimensions such as regulatory compliance, risk control and business optimization. Each rule has a corresponding user identification list and a preset weight, which ensures the comprehensiveness and accuracy of the screening decision. Then, according to the rule level, the target operation on the preset accounts can be determined, and the target account set can be obtained by filtering all the preset accounts, thereby solving the technical problem that the user accounts cannot be accurately screened in the related art.

[0051] In order to accurately construct the historical data information set, in the user account screening method provided in Embodiment 1 of the application, historical data information of a plurality of user accounts is collected, wherein the historical data information at least includes: user identification; when detecting that the user account is a first preset user account, a first relationship graph is constructed based on the user identification of the first preset user account and the historical data information of the first preset user account; when detecting that the user account is a second preset user account, a second relationship graph is constructed based on the user identification of the second preset user account and the historical data information of the second preset user account; and a historical data information set is constructed based on the first relationship graph and the second relationship graph.

[0052] In the embodiment of the application, since the data formats of different business departments of the financial institutions are different, the historical data information of each user account can be obtained by collecting multi-source data (such as customer number, credit account, transaction flow) of different business departments and external data (credit list, illegal and involved list), and a user identification is generated for each user.

[0053] In the embodiments of the present application, when it is detected that the user account is a first preset user account (such as a personal account), a first relationship graph can be constructed according to the user identifier of the first preset user account and historical data information of the first preset user account; when it is detected that the user account is a second preset user account (such as a corporate account), a second relationship graph can be constructed according to the user identifier of the second preset user account and historical data information of the second preset user account (including other corporate customers associated with the corporate account and other related data information); and a historical data information set can be constructed according to the first relationship graph and the second relationship graph, so as to obtain a more comprehensive customer view.

[0054] In order to accurately obtain the preset rule weight set, in the user account screening method provided in Embodiment 1 of the present application, a plurality of preset rules are determined, and a preset rule set is determined based on all the preset rules; a preset weight is assigned to each preset rule in the preset rule set to obtain a preset rule weight set of all the preset rules.

[0055] In the embodiments of the present application, a preset rule set can be obtained through all the determined preset rules (such as preset supervision rules, preset business risk control rules and preset business rules), and a preset weight can be assigned to each preset rule in the preset rule set to obtain a preset rule weight set of all the preset rules. The preset rule weight set contains all the rules that can be used, which not only facilitates the subsequent searching and application of rules, but also ensures the systematicness and integrity of the screening process.

[0056] In order to accurately determine the preset rule set, in the user account screening method provided in Embodiment 1 of the present application, a preset supervision rule is determined, and a preset business risk control rule is determined; a preset business rule is determined based on business requirements; and a preset rule set is determined based on the preset supervision rule, the preset business risk control rule and the preset business rule.

[0057] Optionally, the preset supervision rule includes but is not limited to customer identity identification requirements, financial reporting standards, etc., to ensure that all business activities and customer management processes of the financial institution are carried out within the scope allowed by the supervision standards, and to avoid violation of the supervision requirements.

[0058] In the embodiments of the present application, the preset business risk control rule is an internal rule set by the financial institution to reduce the risk in business operation, which can be related to credit evaluation, fund flow monitoring and fraud prevention, etc. For example, the financial institution can monitor the change of customer credit score, identify the risk of multi-lending, or prevent suspicious fund transfer activities through analysis of transaction behavior.

[0059] In the embodiments of the present application, the preset business rules are rules set for specific business goals (such as improving efficiency, optimizing customer experience, cost control, etc.) of the financial institution, for example, the financial institution can set rules to identify low-activity accounts (i.e. user accounts have not generated transactions within a period of time) and the like, to ensure that the financial institution can pursue business development while also taking into account the rational allocation of resources and long-term sustainability. According to the preset regulatory rules, the preset business risk control rules and the preset business rules, a comprehensive preset rule set can be obtained, avoiding resource waste and decision inconsistency caused by scattered and uncoordinated rules.

[0060] In order to accurately determine the credit score of each user account, in the user account screening method provided in Embodiment 1 of the present application, a preset regulatory account list is obtained, and based on the preset regulatory account list and the historical data information set, a regulatory user identifier list corresponding to the preset regulatory account list is determined; based on the historical data information set, the credit score of each user account is determined.

[0061] In the embodiments of the present application, the preset regulatory account list is an account list formulated by the regulatory agency or the financial institution itself according to compliance requirements. These accounts may involve high-risk areas such as illegal litigation and sanctions lists. By obtaining the preset regulatory account list and the historical data information set, the data can be cleaned and integrated to determine the regulatory user identifier list corresponding to the preset regulatory account list. Furthermore, the credit score of each user account can be calculated based on transaction records, credit history, payment habits and other information in the historical data information set through a credit scoring model, which helps the financial institution to identify accounts with high credit risk as a basis for account screening decisions.

[0062] The historical data information set at least includes loan data information and transaction records. In order to improve the accuracy of the preset rule set, in the user account screening method provided in Embodiment 1 of the present application, the regulatory user identifier list is added to the preset regulatory rule list; for each user account, it is determined whether the credit score is less than a preset threshold, and in the case where the credit score is less than the preset threshold, the user identifier corresponding to the user account is added to the preset business risk control rule list; or, based on the transaction records, it is determined whether the user account has not occurred transactions within a preset time period, and in the case where the user account has not occurred transactions within the preset time period, the user identifier corresponding to the user account is added to the preset business rule list; for the user indicated by the user identifier corresponding to each user account, it is determined whether the user has multiple loans based on the loan data information, and in the case where the user has multiple loans, the user identifier corresponding to the user is added to the preset business risk control rule list; based on the preset regulatory rule list, the preset business risk control rule list and the preset business rule list, the preset rule set is determined.

[0063] In the embodiment of the present application, the obtained regulatory user identifier list can be added to the preset regulatory rule list, so that the financial institution can timely identify and respond to regulatory changes, ensure the compliance of the screening strategy, and for each user account, the preset business risk control rule list can be obtained by judging whether the credit score is less than the preset threshold (pre-set credit score limit), and in the case that the credit score is less than the preset threshold, the user identifier corresponding to the user account is added to the preset business risk control rule list, so that the account with high credit risk can be screened out, so as to take corresponding risk control measures, such as limiting lending or strengthening monitoring.

[0064] In the embodiment of the present application, the transaction record can also be used to determine whether the user account has not occurred within a preset time period (such as half a year, one year, etc.) (i.e. sleep account), and in the case that the user account has not occurred within a preset time period, the user identifier corresponding to the user account is added to the preset business rule list, which helps to improve the management of the user account by the financial institution, optimize resource allocation, and improve business efficiency.

[0065] In the embodiment of the present application, for the user indicated by the user identifier corresponding to each user account, the user can be determined to have multiple loans according to the loan data information, in the case that the user has multiple loans, the user identifier corresponding to the user is added to the preset business risk control rule list, and a complete preset rule set is formed according to the preset regulatory rule list, the preset business risk control rule list and the preset business rule list.

[0066] The preset rule weight set at least includes: preset regulatory weight, preset business risk control weight, in order to improve the flexibility of the preset weight, in the user account screening method provided in embodiment 1 of the present application, in the case that the preset regulatory weight is monitored to change, the preset regulatory weight is adjusted to obtain a target regulatory weight; or, in the case that the preset business risk control weight is monitored to change, the preset business risk control weight is adjusted to obtain a target business risk control weight.

[0067] In the embodiment of the present application, the preset regulatory weight and the preset business risk control weight can be dynamically adjusted, in the case that the preset regulatory weight is monitored to change, the preset regulatory weight is adjusted to obtain a target regulatory weight, for example, the preset regulatory weight is initially set to a fixed value 1.0, and can gradually decrease with the timeliness of regulatory requirements.

[0068] In the embodiment of the present application, in the case where it is monitored that the preset business risk control weight changes, the preset business risk control weight is adjusted (variables such as customer risk level, economic cycle factors, and business development strategy can be considered), the preset business risk control weight is reset (for example, if the risk level of the preset account is high, the preset business risk control weight can be increased), and the target business risk control weight is obtained.

[0069] Optionally, when the customer account screening is performed, the blockchain audit log will record specific information, such as operation time and rules followed in each screening operation.

[0070] The screening method for a user account provided in the embodiment of the present application can realize scientific and intelligent customer management strategy by constructing a comprehensive user account screening decision framework. By constructing a preset rule set including three levels of supervision compliance, risk control, and business target optimization, and combining with a dynamic weight adjustment mechanism, the preset supervision weight and business risk control weight can be adjusted in time according to changes in external supervision environment and internal business demand, the flexibility and applicability of the screening strategy are ensured, and effective allocation of resources and continuous and healthy development of business are realized.

[0071] It should be noted that the steps shown in the flowchart of the accompanying drawings can be executed in a computer system such as a set of computer executable instructions, and although a logical order is shown in the flowchart, in some cases, the steps shown or described herein can be executed in an order different from that shown.

[0072] Embodiment 2

[0073] The embodiment of the present application also provides a screening device for a user account. It should be noted that the screening device for a user account in the embodiment of the present application can be used to execute the screening method for a user account provided in the embodiment of the present application. The screening device for a user account provided in the embodiment of the present application is introduced as follows.

[0074] According to the embodiment of the present application, a device for implementing the above-mentioned screening method for a user account is also provided. Figure 3 is a schematic diagram of an optional screening device for a user account according to the embodiment of the present application, as shown in Figure 3 The screening device for a user account can include a first query unit 30, a first determination unit 31, a second determination unit 32, and a first screening unit 33.

[0075] The first query unit 30 is configured to, when it is detected that at least one user account is performing a target service, query a preset rule set based on a user identifier corresponding to the user account, and obtain a query result, wherein the preset rule set at least includes a plurality of preset rules, and each preset rule corresponds to a user identifier list satisfying the preset rule.

[0076] The first determination unit 31 is configured to, when the query result indicates that the user identifier exists in at least one user identifier list, determine the user account indicated by the user identifier as a preset account, wherein each user identifier list corresponds to a preset rule corresponding to a preset weight.

[0077] The second determination unit 32 is configured to determine the level of each preset rule based on the preset weight corresponding to each preset rule, and determine a target operation performed on the preset account based on all levels.

[0078] The first screening unit 33 is configured to screen all preset accounts based on the target operation corresponding to each preset account, and obtain a target account set.

[0079] The user account screening device provided by the embodiment can query a preset rule set based on a user identifier corresponding to a user account when it is detected that at least one user account is performing a target service, and obtain a query result. The user account screening device can determine the user account indicated by the user identifier as a preset account when the query result indicates that the user identifier exists in at least one user identifier list. The user account screening device can determine the level of each preset rule based on the preset weight corresponding to each preset rule, and determine a target operation performed on the preset account based on all levels. The user account screening device can screen all preset accounts based on the target operation corresponding to each preset account, and obtain a target account set.

[0080] Optionally, the user account screening device includes a first collection module configured to collect historical data information of a plurality of user accounts before querying a preset rule set based on a user identifier corresponding to a user account, and obtaining a query result, wherein the historical data information at least includes the user identifier; a first construction module configured to, when it is detected that the user account is a first preset user account, construct a first relationship graph based on the user identifier of the first preset user account and the historical data information of the first preset user account; a second construction module configured to, when it is detected that the user account is a second preset user account, construct a second relationship graph based on the user identifier of the second preset user account and the historical data information of the second preset user account; and a third construction module configured to construct a historical data information set based on the first relationship graph and the second relationship graph.

[0081] Optionally, the screening device of the user account further comprises: before the querying in the preset rule set based on the user identifier corresponding to the user account, the first determining module is configured to determine a plurality of preset rules, and determine the preset rule set based on all the preset rules; the first assigning module is configured to assign a preset weight to each preset rule in the preset rule set, to obtain a preset rule weight set of all the preset rules.

[0082] Optionally, the first determining module comprises: a first determining submodule configured to determine the preset regulatory rules and determine the preset business risk control rules; a second determining submodule configured to determine the preset business rules based on the business demand; and a third determining submodule configured to determine the preset rule set based on the preset regulatory rules, the preset business risk control rules and the preset business rules.

[0083] Optionally, the screening device of the user account further comprises: a second determining module configured to, before the determining of the preset rule set based on the preset regulatory rules, the preset business risk control rules and the preset business rules, acquire a preset regulatory account list, and determine a regulatory user identifier list corresponding to the preset regulatory account list based on the preset regulatory account list and the historical data information set; and a third determining module configured to determine the credit score of each user account based on the historical data information set.

[0084] Optionally, the historical data information set at least comprises: loan data information and transaction records, the third determining submodule comprises: a first adding submodule configured to add the regulatory user identifier list to the preset regulatory rule list; a first judging submodule configured to, for each user account, judge whether the credit score is less than a preset threshold, and in the case that the credit score is less than the preset threshold, add the user identifier corresponding to the user account to the preset business risk control rule list; or a second judging submodule configured to, based on the transaction records, judge whether the user account has not occurred transaction within a preset time length, and in the case that the user account has not occurred transaction within the preset time length, add the user identifier corresponding to the user account to the preset business rule list; a third judging submodule configured to, for the user indicated by the user identifier corresponding to each user account, judge whether the user has multiple loans based on the loan data information, and in the case that the user has multiple loans, add the user identifier corresponding to the user to the preset business risk control rule list; and a fourth determining submodule configured to determine the preset rule set based on the preset regulatory rule list, the preset business risk control rule list and the preset business rule list.

[0085] Optionally, the preset rule weight set at least includes: a preset regulatory weight, a preset business risk control weight, the user account screening device further includes: a first adjustment module, configured to assign a preset weight to each preset rule in the preset rule set, and obtain a target regulatory weight by adjusting the preset regulatory weight when a change in the preset regulatory weight is monitored; a second adjustment module, configured to adjust the preset business risk control weight when a change in the preset business risk control weight is monitored, and obtain a target business risk control weight.

[0086] The user account screening device described above can further include a processor and a memory, and the first query unit 30, the first determination unit 31, the second determination unit 32, and the first screening unit 33 are all stored in the memory as program units, and the corresponding functions are realized by the processor executing the program units stored in the memory.

[0087] The processor described above includes a kernel, and the kernel calls the corresponding program units from the memory. The kernel can be one or more, and all preset accounts are screened to obtain a target account set by adjusting the kernel parameters based on the target operation corresponding to each preset account.

[0088] The memory described above can include a non-permanent memory in a computer readable medium, a random access memory (RAM), and / or a non-volatile memory such as a read-only memory (ROM) or a flash memory (flash RAM), and the memory includes at least one memory chip.

[0089] It should be noted that the first query unit 30, the first determination unit 31, the second determination unit 32, and the first screening unit 33 correspond to steps S201 to S204 in Embodiment 1, and the units and the corresponding steps have the same instances and application scenarios, but are not limited to the content disclosed in Embodiment 1. It should be noted that the units can be hardware components or software components stored in the memory (for example, the memory 104) and processed by one or more processors (for example, the processors 102a, 102b, …, 102n), and the units can also be a part of the device and can run in the computer terminal 10 provided in Embodiment 1.

[0090] Embodiment 3

[0091] Embodiments of the present application can provide a computer terminal, which can be any one of the computer terminal devices in the computer terminal group. Optionally, in the present embodiment, the computer terminal can also be replaced by a mobile terminal or an electronic device or the like.

[0092] Optionally, in the embodiment, the computer terminal can be located in at least one of the plurality of network devices of the computer network.

[0093] In the embodiment, the computer terminal can execute program codes of the following steps in the screening method of the user accounts: when it is monitored that at least one user account is used to handle a target service, based on a user identifier corresponding to the user account, a query is performed in a preset rule set to obtain a query result, wherein the preset rule set at least includes a plurality of preset rules, each of which corresponds to a list of user identifiers satisfying the preset rule; in a case where the query result indicates that the user identifier exists in at least one user identifier list, a user account indicated by the user identifier is determined as a preset account, wherein each user identifier list corresponds to a preset rule corresponding to a preset weight; based on the preset weight corresponding to each preset rule, the level of each preset rule is determined, and based on all levels, a target operation performed on the preset account is determined; based on the target operation corresponding to each preset account, all preset accounts are screened to obtain a target account set.

[0094] Optionally, the computer terminal can execute program codes of the following steps in the screening method of the user accounts: collect historical data information of a plurality of user accounts, wherein the historical data information at least includes a user identifier; when it is detected that the user account is a first preset user account, based on the user identifier of the first preset user account and the historical data information of the first preset user account, a first relationship graph is constructed; when it is detected that the user account is a second preset user account, based on the user identifier of the second preset user account and the historical data information of the second preset user account, a second relationship graph is constructed; based on the first relationship graph and the second relationship graph, a historical data information set is constructed.

[0095] Optionally, the computer terminal can execute program codes of the following steps in the screening method of the user accounts: determine a plurality of preset rules, and based on all preset rules, determine a preset rule set; assign a preset weight to each preset rule in the preset rule set to obtain a preset rule weight set of all preset rules.

[0096] Optionally, the computer terminal can execute program codes of the following steps in the screening method of the user accounts: determine a preset supervision rule and a preset business risk control rule; based on the business demand, determine a preset business rule; based on the preset supervision rule, the preset business risk control rule and the preset business rule, determine a preset rule set.

[0097] Optionally, the above-mentioned computer terminal can execute the program code of the following steps in the user account screening method: obtaining a preset regulatory account list, and based on the preset regulatory account list and a historical data information set, determining a regulatory user identification list corresponding to the preset regulatory account list; based on the historical data information set, determining the credit score of each user account.

[0098] Optionally, the above-mentioned computer terminal can execute the program code of the following steps in the user account screening method: adding the regulatory user identification list to the preset regulatory rule list; for each user account, judging whether the credit score is less than the preset threshold, and if the credit score is less than the preset threshold, adding the user identification corresponding to the user account to the preset business risk control rule list; or, based on the transaction record, judging whether the user account has not had any transaction within a preset time period, and if the user account has not had any transaction within the preset time period, adding the user identification corresponding to the user account to the preset business rule list; for the user indicated by the user identification corresponding to each user account, judging whether the user has multiple loans based on the loan data information, and if the user has multiple loans, adding the user identification corresponding to the user to the preset business risk control rule list; determining the preset rule set based on the preset regulatory rule list, the preset business risk control rule list and the preset business rule list.

[0099] Optionally, the above-mentioned computer terminal can execute the program code of the following steps in the user account screening method: when a change in the preset regulatory weight is detected, the preset regulatory weight is adjusted to obtain the target regulatory weight; or, when a change in the preset business risk control weight is detected, the preset business risk control weight is adjusted to obtain the target business risk control weight.

[0100] Optionally, Figure 4 This is a structural block diagram of an electronic device according to an embodiment of the present application. Figure 4 As shown, the electronic device may include: one or more ( Figure 4 Only one is shown) processor 402, memory 404, storage controller, and peripheral interface, wherein the peripheral interface is connected to the radio frequency module, audio module and display.

[0101] The memory can be configured to store software programs and modules, such as program instructions / modules corresponding to the user account screening method and device in the embodiments of the present application. The processor can execute various function applications and data processing by running the software programs and modules stored in the memory, that is, implement the user account screening method described above. The memory can include a high-speed random access memory, and can further include a non-volatile memory, such as one or more magnetic storage devices, flash memories, or other non-volatile solid-state memories. In some examples, the memory can further include a memory remotely arranged with respect to the processor, which can be connected to the terminal through a network. Examples of the network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and a combination thereof.

[0102] The processor can call the information and application programs stored in the memory through the transmission device to execute the steps in the user account screening method described above.

[0103] By adopting the embodiments of the present application, a user account screening scheme is provided. By constructing a unified view of customers of a financial institution and combining multi-level screening rules, the behavior and risk information of customers under different data sources can be comprehensively analyzed, and the precision and automation of user account screening decision are realized, thereby solving the technical problem that the user account cannot be accurately screened in the related art.

[0104] Those skilled in the art can understand that Figure 4 The structure shown is only schematic, and the electronic device can also be a terminal device such as a smart phone, a tablet computer, a palm computer, and a Mobile Internet Device (MID). Figure 4 It does not limit the structure of the electronic device described above. For example, the electronic device can include more or fewer components (such as a network interface, a display device, etc.) than those shown in the figure, or have a different configuration from that shown in the figure. Figure 4 For example, the electronic device can include more or fewer components (such as a network interface, a display device, etc.) than those shown in the figure, or have a different configuration from that shown in the figure. Figure 4 For example, the electronic device can include more or fewer components (such as a network interface, a display device, etc.) than those shown in the figure, or have a different configuration from that shown in the figure.

[0105] Those skilled in the art can understand that all or part of the steps in the various methods of the above embodiments can be completed by programs instructing the relevant hardware of the terminal device, and the programs can be stored in a computer readable storage medium, which can include a flash disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, etc.

[0106] Embodiment 4

[0107] The embodiment of the present application further provides a storage medium. Optionally, in the embodiment, the storage medium can be used to save the program code executed by the user account screening method provided in the first embodiment.

[0108] Optionally, in the embodiment, the storage medium can be located in any one of the computer terminals in the computer terminal group in the computer network, or in any one of the mobile terminals in the mobile terminal group.

[0109] The present application further provides a computer program product adapted to execute the steps of the user account screening method when executed on a data processing device.

[0110] The serial numbers of the embodiments of the present application are only for description, and do not represent the advantages or disadvantages of the embodiments.

[0111] In the above embodiments of the present application, the description of each embodiment has its own focus, and the parts not described in detail in a certain embodiment can be referred to the relevant description of other embodiments.

[0112] In the several embodiments provided by the present application, it should be understood that the disclosed technology can be implemented in other ways. Of course, the unit embodiment described above is only schematic. For example, the division of the units is only a logical function division. There can be another division manner for 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. In addition, the displayed or discussed coupling or direct coupling or communication connection between the units can be indirect coupling or communication connection through some interface, unit or module, and can be electrical or other forms.

[0113] The units described as separate components can or can not be physically separate, and the components displayed as units can or can not be physical units, that is, they can be located in one place, or can be distributed on multiple network units. According to actual needs, part or all of the units can be selected to achieve the purpose of the embodiment.

[0114] In addition, each functional unit in each embodiment of the present application can be integrated in one processing unit, or each unit can exist physically, or two or more units can be integrated in one unit. The integrated unit can be realized in the form of hardware or in the form of software functional unit.

[0115] The integrated unit, if implemented in the form of a software function unit and sold or used as an independent product, can be stored in a computer readable storage medium. Based on such understanding, the technical solutions of the present application essentially or say the part that contributes to the prior art or the whole or part of the technical solutions can be embodied in the form of a software product. The computer software product is stored in a storage medium and includes a plurality of instructions for causing a computer device (which can be a personal computer, a server or a network device, etc.) to execute all or part of the steps of the method described in the various embodiments of the present application. The aforementioned storage medium includes: a U disk, a read-only memory (ROM, Read-Only Memory), a random access memory (RAM, Random Access Memory), a mobile hard disk, a magnetic disk or an optical disk, and various media that can store program codes.

[0116] The above is only the preferred embodiment of the present application, and it should be pointed out that for those skilled in the art, without departing from the principles of the present application, a number of improvements and refinements can be made, which should be considered as the protection scope of the present application.

Claims

1. A method for screening user accounts, characterized in that: include: When at least one user account is detected to be processing a target service, a query is performed in a preset rule set based on a user identifier corresponding to the user account to obtain a query result, wherein the preset rule set includes at least: a plurality of preset rules, each of the preset rules corresponding to a list of user identifiers that meet the preset rule; If the query result indicates that the user identifier exists in at least one of the user identifier lists, determining the user account indicated by the user identifier as a preset account, wherein the preset rule corresponding to each of the user identifier lists corresponds to a preset weight; Determining a level of each of the preset rules based on the preset weight corresponding to each of the preset rules, and determining a target operation to be performed on the preset account based on all of the levels; Based on the target operation corresponding to each of the preset accounts, all the preset accounts are screened to obtain a target account set.

2. The method for screening user accounts according to claim 1, characterized in that: Before querying a preset rule set based on the user identifier corresponding to the user account and obtaining a query result, the method further includes: Collecting historical data information of multiple user accounts, wherein the historical data information at least includes: the user identification; When detecting that the user account is a first preset user account, constructing a first relationship graph based on the user identifier of the first preset user account and historical data information of the first preset user account; When it is detected that the user account is a second preset user account, constructing a second relationship graph based on the user identifier of the second preset user account and the historical data information of the second preset user account; Based on the first relationship graph and the second relationship graph, a historical data information set is constructed.

3. The method for screening user accounts according to claim 1, wherein: Before querying a preset rule set based on the user identifier corresponding to the user account and obtaining a query result, the method further includes: Determining a plurality of the preset rules, and determining a preset rule set based on all the preset rules; The preset weight is assigned to each of the preset rules in the preset rule set to obtain a preset rule weight set of all the preset rules.

4. The method for screening user accounts according to claim 3, wherein: The step of determining a plurality of the preset rules and determining a preset rule set based on all the preset rules includes: Determine the preset regulatory rules and the preset business risk control rules; Determine preset business rules based on business needs; The preset rule set is determined based on the preset regulatory rules, the preset business risk control rules and the preset business rules.

5. The method for screening user accounts according to claim 4, characterized in that: Before determining the preset rule set based on the preset regulatory rules, the preset business risk control rules, and the preset business rules, the method further includes: Obtain a preset supervision account list, and based on the preset supervision account list and a set of historical data information, determine a list of supervision user identifiers corresponding to the preset supervision account list; A credit score for each of the user accounts is determined based on the historical data information set.

6. The method for screening user accounts according to claim 5, characterized in that: The historical data information set includes at least loan data information and transaction records. The step of determining the preset rule set based on the preset regulatory rules, the preset business risk control rules, and the preset business rules includes: Adding the supervision user identification list to the preset supervision rule list; For each user account, determining whether the credit score is less than a preset threshold, and if the credit score is less than the preset threshold, adding the user identifier corresponding to the user account to a preset business risk control rule list; or, Based on the transaction record, determining whether no transaction has occurred in the user account within a preset period of time, and if no transaction has occurred in the user account within the preset period of time, adding the user identifier corresponding to the user account to a preset business rule list; For each user indicated by the user identifier corresponding to the user account, determining, based on the loan data information, whether the user has multiple loans; if the user has multiple loans, adding the user identifier corresponding to the user to the preset business risk control rule list; The preset rule set is determined based on the preset regulatory rule list, the preset business risk control rule list and the preset business rule list.

7. The method for screening user accounts according to claim 3, characterized in that: The preset rule weight set includes at least: a preset supervision weight and a preset business risk control weight. After allocating the preset weight to each of the preset rules in the preset rule set to obtain the preset rule weight set of all the preset rules, the method further includes: When a change in the preset regulatory weight is detected, the preset regulatory weight is adjusted to obtain a target regulatory weight; or When a change in the preset business risk control weight is detected, the preset business risk control weight is adjusted to obtain a target business risk control weight.

8. A user account screening device, characterized in that: include: a first query unit configured to, when detecting at least one user account performing a target service, query a preset rule set based on a user identifier corresponding to the user account to obtain a query result, wherein the preset rule set includes at least: a plurality of preset rules, each of the preset rules corresponding to a list of user identifiers that satisfy the preset rule; a first determining unit, configured to, if the query result indicates that the user identifier exists in at least one of the user identifier lists, determine the user account indicated by the user identifier as a preset account, wherein the preset rule corresponding to each of the user identifier lists corresponds to a preset weight; a second determining unit, configured to determine a level of each of the preset rules based on the preset weight corresponding to each of the preset rules, and determine a target operation to be performed on the preset account based on all of the levels; The first screening unit is configured to screen all the preset accounts based on the target operation corresponding to each of the preset accounts to obtain a target account set.

9. A computer program product, characterized in that The invention comprises a non-volatile computer-readable storage medium storing a computer program, wherein the computer program implements the method for screening user accounts according to any one of claims 1 to 7 when executed by a processor.

10. An electronic device, characterized in that: It includes one or more processors and a memory, wherein the memory is used to store one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors implement the user account screening method described in any one of claims 1 to 7.

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