Risk prevention and control method, equipment, medium and product

Abstract

The invention provides a risk prevention and control method and device, a medium and a product. The method comprises the following steps: acquiring marketing data from a plurality of platforms; extracting resource data and resource supplier data carried by each resource from the marketing data; the resource data comprises a resource ID and a marketing ID, and the resource supplier data comprises an account ID of a resource account; constructing data structure models in one-to-one correspondence with the account IDs, and storing the account IDs, the resource IDs of the resources corresponding to the account IDs and the marketing IDs of the marketing into the corresponding data structure models; for each account ID, according to the data structure model to which the account ID belongs, monitoring whether a resource account of the account ID accords with a set early warning rule; and outputting an early warning message of the to-be-early-warned resource account under the condition that the to-be-early-warned resource account conforming to the resource early warning rule is found through monitoring.

Description

Technical Field

[0001] This specification relates to one or more embodiments in the field of data processing technology, and more particularly to a risk control method, device, medium, and product. Background Technology

[0002] In related technologies, marketing campaigns are typically configured on business service platforms to boost short-term sales, build brand awareness, optimize inventory, or enhance user loyalty, thereby promoting user consumption. Among these, red envelopes, interest-free coupons, and discount coupons are common and effective incentives and benefits (a type of resource) in marketing campaigns, which can precisely reach users and improve user engagement and conversion rates.

[0003] However, due to a lack of risk control, resource accounts may face the risk of insufficient resources (such as insufficient funds) due to over-issuance of resources, which may be insufficient to redeem rights. Furthermore, the inability to redeem rights may affect user experience and potentially lead to a decrease in user stickiness.

[0004] Therefore, there is an urgent need to provide a technical solution that can avoid resource risks in resource accounts. Summary of the Invention

[0005] In view of this, in order to at least solve the technical problem in the related technology that the lack of risk control leads to the risk that resource accounts cannot be revoked, thereby affecting user experience and causing a decline in user stickiness, one or more embodiments of this specification provide the following technical solution: According to a first aspect of one or more embodiments of this specification, a risk prevention and control method is proposed, comprising: Acquire marketing data from multiple platforms; a platform includes at least one marketing campaign, a marketing campaign is used to distribute at least one resource, a resource is associated with a resource account, and a resource account can be used to support multiple resources of multiple marketing campaigns on multiple platforms; From the marketing data, resource data and resource supplier data carried by each resource are extracted; the resource data includes resource ID and marketing ID, and the resource supplier data includes the account ID of the resource account; A data structure model is constructed that corresponds one-to-one with each account ID, and each account ID, along with its corresponding resource ID and marketing ID, is stored in the corresponding data structure model. The data structure model includes a first-level node, at least one second-level node, and at least one third-level node connected in sequence. The number of second-level nodes is the same as the number of resource IDs associated with the corresponding account ID. The account ID is stored in the first-level node, and the resource ID and its corresponding marketing ID are stored in the second-level and third-level nodes that are connected in sequence. For each account ID, based on the data structure model to which the account ID belongs, monitor whether the resource account of the account ID meets the set early warning rules; If the monitoring detects a resource account that meets the aforementioned resource warning rules and is subject to warning, a warning message for that resource account will be output.

[0006] According to a second aspect of one or more embodiments of this specification, an electronic device is provided, comprising: a processor; a memory for storing processor-executable instructions; wherein the processor implements the steps of the risk control method provided in the first aspect above by executing the executable instructions.

[0007] According to a third aspect of one or more embodiments of this specification, a computer-readable storage medium is provided that stores computer instructions thereon, which, when executed by a processor, implement the steps of the risk prevention and control method provided in the first aspect above.

[0008] According to a fourth aspect of one or more embodiments of this specification, a computer program product is provided, comprising a computer program that, when executed by a processor, implements the steps of the risk prevention and control method provided in the first aspect above.

[0009] As can be seen from any of the above embodiments, this specification integrates marketing data from multiple platforms, constructs a data structure model based on account ID, and stores the resource ID and marketing ID corresponding to the account ID in the data structure model corresponding to the account ID. This enables the construction of the association between resource accounts, resources funded by resource accounts, and marketing activities to which the resources belong. This makes the resource flow of each resource account clear and complete. Then, during the monitoring process, by calling the data structure model to which each account ID belongs to analyze the resource consumption of the resource account, it can be determined whether the resource account of each account ID meets the set early warning rules. This enables risk analysis from the entire resource chain of the resource account, and when the set early warning rules are met, the corresponding early warning message for the resource account to be warned is output, realizing timely early warning of resource (such as funds) risks. This allows relevant personnel to propose risk response measures in a timely manner based on the early warning message, which can, to a certain extent, avoid the inability of resource accounts to redeem resources, thereby ensuring user experience and user stickiness.

[0010] It should be understood that the above general description and the following detailed description are exemplary and explanatory only, and are not intended to limit this specification. Attached Figure Description

[0011] Figure 1 This is a schematic diagram of the architecture of a risk prevention and control service system provided in this specification according to an exemplary embodiment.

[0012] Figure 2This is a flowchart of a risk control method provided in this specification according to an exemplary embodiment.

[0013] Figure 3 This is a schematic diagram of a risk display interface proposed in this specification according to an exemplary embodiment.

[0014] Figure 4 This is a schematic diagram of the interface of a data relationship graph proposed in this specification according to an exemplary embodiment.

[0015] Figure 5 This is a schematic diagram of the structure of a device provided in this specification according to an exemplary embodiment.

[0016] Figure 6 This is a block diagram of a risk control device provided in this specification according to an exemplary embodiment. Detailed Implementation

[0017] To enable those skilled in the art to better understand the technical solutions in this specification, the technical solutions in the embodiments of this specification will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of this specification, and not all embodiments. Based on the embodiments in this specification, all other embodiments obtained by those skilled in the art without creative effort should fall within the scope of protection of this specification.

[0018] The user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, data stored, data displayed, etc.) involved in this manual are all information and data authorized by the user or fully authorized by all parties. The collection, use and processing of related data shall comply with relevant laws, regulations and standards, and corresponding operation entry points shall be provided for users to choose to authorize or refuse.

[0019] In business operations and marketing activities, sales personnel can create marketing configurations and publish marketing campaigns through the business service platform. This allows users who meet specific conditions to participate in the marketing campaign and enjoy the resources offered. Taking consumer credit marketing campaigns as an example, sales personnel can create marketing configurations through platforms that support the publication of consumer credit business activities. This allows the marketing campaign to distribute resources such as red envelopes, interest-free coupons, and discount coupons to users. After receiving these resources, eligible users can redeem them through their payment transactions.

[0020] The funds for the aforementioned resources are typically provided by third-party institutional accounts, which may include, but are not limited to, bank accounts, merchant accounts, and platform accounts. The current status of marketing operations using third-party institutional accounts is as follows: First, some resources, such as interest-free coupons, do not occupy the budget when they are distributed. These resources adopt an over-issuance mechanism during the marketing allocation phase, which leads to the current marketing budget for distributed resources exceeding the actual investment budget of the resource supplier (such as the funding institution).

[0021] Secondly, the timing of resource usage varies after users claim the resources, and the reimbursement process may also differ for different resources. For example, some reimbursement processes will verify whether the resource account has sufficient funds to reimburse the resources upon receiving the reimbursement request. If the funds are insufficient, the resources will not be reimbursed, affecting user experience, user stickiness, and business conversion needs. On the other hand, some reimbursement processes will directly reimburse the resources upon receiving the reimbursement request without verifying whether the resource account has sufficient funds, which may lead to exceeding the budget.

[0022] Third, the same resource account can be configured to support multiple marketing campaigns. The marketing funds for each campaign are not locked, the budget consumption of each campaign varies, and there is no unified management of the budget consumption of each campaign, which can easily lead to budget overruns.

[0023] It is evident that the marketing models funded by resource suppliers vary and are allocated in a decentralized manner, lacking a unified budget control mechanism. This results in an inability to perceive the progress of budget consumption and abnormal fund movements, thus posing the following risks: Funds tied up risk: This refers to the risk that during the marketing campaign, funds may be diverted to other business operations or that the marketing budget may be exceeded, resulting in insufficient account funds and thus preventing users from redeeming resources.

[0024] Funds depletion risk: This refers to the risk that, even if the marketing campaign does not exceed the budget, the remaining funds in the account may be insufficient, resulting in users being unable to redeem resources.

[0025] Timeliness risk: This refers to the risk that marketing materials or the target group targeted by marketing may expire or become abnormal, resulting in the inability to distribute or redeem resources, thereby affecting business conversion.

[0026] Marketing Expenditure Risk: This refers to the risk that resources may not be available due to insufficient marketing budget, excessive account funds may be consumed due to overspending on marketing configuration, resources may be over- or under-issued due to incorrect marketing configuration, or resources may not be issued or the recipients of resources may not meet expectations due to incorrect changes in the target audience, thus affecting business conversion.

[0027] Marketing write-off risk: This refers to the risk that resources may be written off unexpectedly due to marketing configuration errors or system changes, or that the average write-off amount per user may fluctuate, resulting in more or less resources being issued.

[0028] Based on this, to at least address the technical problem in related technologies where the lack of risk control leads to the risk of resource accounts being unable to redeem resources, thereby affecting user experience and reducing user stickiness, this specification proposes a risk control method through one or more embodiments. This method integrates marketing data from multiple platforms, constructs a data structure model based on account IDs, and stores both the resource IDs and marketing IDs corresponding to the account IDs in the data structure model. This establishes a connection between resource accounts, the resources funded by the resource accounts, and the marketing activities associated with those resources. This makes the resource flow of each resource account clear and complete. During monitoring, by calling the data structure model corresponding to each account ID to analyze the resource consumption of the resource accounts, it can be determined whether the resource accounts of each account ID meet the set warning rules. This enables risk analysis from the entire resource chain of the resource accounts, and when the set warning rules are met, it outputs warning messages for the corresponding resource accounts to be warned, achieving timely warnings of resource (such as funds) risks. This allows relevant personnel to promptly propose risk response measures based on the warning messages, which can, to a certain extent, prevent resource accounts from being unable to redeem resources, thereby ensuring user experience and user stickiness.

[0029] First, let's introduce the application scenarios of a risk prevention and control method proposed in one or more embodiments of this specification. Please refer to [link / reference]. Figure 1 , Figure 1 This is a schematic diagram of the architecture of a risk prevention and control service system provided in this specification according to an exemplary embodiment. The system may include a server 11, a network 12, and several electronic devices, such as a PC (Personal Computer) 13, a mobile phone 14, etc.

[0030] Server 11 can be a physical server containing an independent host, or it can be a virtual server hosted in a host cluster. During operation, server 11 can run server-side programs for a specific application to implement its functions. For example, when server 11 runs a risk control service program, it can function as a corresponding risk control service platform. This risk control service platform can connect to multiple business service platforms and obtain marketing data configured or published on these platforms for risk analysis and control. Each business service platform can provide marketing activity configuration services for business personnel. After configuring marketing activities through the platform, business personnel can publish them on the platform or to relevant user terminals. For business service platforms that provide resource acquisition services to individual users, such as interest subsidy platforms or instant discount platforms, business personnel can publish marketing activities on the platform. For business service platforms that do not provide resource acquisition services to individual users, such as the Dolphin platform, business personnel can publish the configured marketing activities to relevant user terminals through the platform.

[0031] PC13 and mobile phone14 are just some of the types of electronic devices that users can use. In reality, users can obviously also use electronic devices such as tablets, laptops, PDAs (Personal Digital Assistants), wearable devices (such as smart glasses, smartwatches, etc.), etc., and one or more embodiments in this specification do not limit this. During operation, the electronic device can run a client-side program of an application to achieve the relevant functions of that application. For example, when the electronic device runs a resource-getting service program, it can act as a client for that resource-getting service. The aforementioned resource-getting service client application can be launched and run on the electronic device. This client-side program can be a native application installed on the electronic device, or it can be a mini-program, quick app, or other similar form. Of course, when using web technologies such as HTML5 or similar, the relevant functions can be achieved through a page displayed by a browser. This browser can be a standalone browser application or a browser module embedded in some applications.

[0032] As for the network 12 that enables interaction between electronic devices such as PC13 and mobile phone 14 and server 11, communication can be achieved using either wired or wireless networks, depending on the communication methods supported by the respective electronic devices. This specification does not impose any restrictions on this. For example, PC13 can support both wired and wireless communication, so it can use either wired or wireless networks as needed. Mobile phone 14 typically only supports wireless communication, so it can use a wireless network for communication.

[0033] A risk control method proposed in one or more embodiments of this specification can be applied to the aforementioned server 11. Please refer to [link / reference]. Figure 2 , Figure 2 This is a flowchart illustrating a risk control method according to an exemplary embodiment, the method comprising the following steps: In step S100, marketing data is obtained from multiple platforms; a platform includes at least one marketing campaign, a marketing campaign is used to distribute at least one resource, a resource is associated with a resource account, and a resource account can be used to support multiple resources of multiple marketing campaigns on multiple platforms. In step S200, resource data and resource supplier data carried by each resource are extracted from the marketing data; the resource data includes resource ID and marketing ID, and the resource supplier data includes the account ID of the resource account; In step S300, a data structure model corresponding one-to-one with each account ID is constructed, and each account ID, its corresponding resource ID, and its corresponding marketing ID are stored in the corresponding data structure model. The data structure model includes a first-level node, at least one second-level node, and at least one third-level node connected in sequence. The number of second-level nodes is the same as the number of resource IDs associated with the corresponding account ID. The account ID is stored in the first-level node, and the resource ID and its corresponding marketing ID are stored in the second-level node and the third-level node, which are connected in sequence. In step S400, for each account ID, based on the data structure model to which the account ID belongs, the resource account of the account ID is monitored to see if it meets the set resource early warning rules; In step S500, if the monitoring detects a resource account that meets the resource warning rules and is subject to warning, a warning message for the resource account to be warned is output.

[0034] When resource risk monitoring of various resource accounts is required, first execute step S100 to obtain marketing data from multiple platforms. These platforms refer to the business service platforms mentioned above. Business personnel can configure various marketing activities on different platforms, such as merchant installment programs, instant discount programs, and promotional activities, but are not limited to these. During the configuration of each marketing activity, business personnel can configure the marketing data for each marketing activity, including but not limited to: marketing ID, marketing name, total resource allocation amount (e.g., total marketing budget), available resources for the marketing activity, resource ID, resource type, resource provider name, resource account, and resource account's account ID. The marketing ID, resource ID, and account ID can also be generated by the platform based on other data configured by the business personnel, achieving the purpose of identifying different marketing activities, different resources, and different accounts. Resources can include, but are not limited to: red envelopes, interest-free coupons, and discount coupons. Based on this, during the execution of step S200, resource data and resource provider data for each resource involved in each marketing activity can be extracted from the obtained marketing data. The resource data includes at least the resource ID and marketing ID, and the resource provider data includes at least the resource account's account ID. During the data extraction process, the resource ID and marketing ID of each marketing campaign, as well as the relationship between the resource ID and the account ID, will be recorded to facilitate the accurate construction of the data structure model to which the account ID belongs based on this relationship.

[0035] After extracting the required resource data and resource supplier data in step S200, step S300 is executed. First, a data structure model corresponding one-to-one with each account ID is constructed. This data structure model can be any of the following, but not limited to: a graph structure model, a relational model based on a metadata table, a dynamic lineage model based on event streams, a lineage tagging model based on tags or attributes, or a tree structure model. In some examples, to improve data query efficiency, a unique tree structure model can be constructed for each account ID.

[0036] After constructing the data structure model for each account ID, for each account ID, the account ID is stored in the first-level node of the corresponding data structure model, the resource ID associated with the account ID is stored in the second-level node connected to the first-level node, and the marketing ID is stored in the third-level node connected to the second-level node where the associated resource ID is located. In this way, resource IDs and marketing IDs funded by the same resource account are all aggregated under the corresponding account ID, forming an association relationship between account ID, resource ID, and marketing ID. Obviously, this association relationship can cover the entire funding chain of the resource account, and thus can comprehensively and clearly know the fund flow of the resource account, laying the foundation for the accuracy and comprehensiveness of subsequent risk analysis.

[0037] Taking a tree structure model as an example, the first-level node is the parent node of the tree structure model, the second-level node is the next child node of the parent node, and the third-level node is the child node of the next child node. Assuming there are n resources funded by the resource account, the total number of second-level nodes is n, and the total number of third-level nodes is also n. The second-level nodes and their connected third-level nodes correspond one-to-one. The marketing IDs involved in the n third-level nodes may be partially the same or completely different, because the n resources may be distributed through n different marketing channels, or some may be distributed through the same marketing channel.

[0038] After obtaining the data structure model to which each account ID belongs, each data structure model is stored.

[0039] In some embodiments, to reduce computational load and further improve risk analysis efficiency, before executing step S300, it is possible to first query the storage space used to store the data structure model to see if a data structure model exists for each account ID extracted in step S200. If a data structure model exists, there is no need to rebuild the data structure model; instead, the original data structure model is applied. Next, it is possible to further analyze whether the resource ID and marketing ID stored in the original data structure model of the account ID are the same as the resource ID and marketing ID currently corresponding to the account ID. If they are different, the current corresponding resource ID or marketing ID overwrites the original resource ID and marketing ID to obtain an updated data structure model. If they are the same, there is no need to update the original data structure model. Conversely, for account IDs that do not have a data structure model, the above step S300 is executed to construct a data structure model for the account IDs that do not have a data structure model.

[0040] Therefore, by building a data structure model from scratch only for account IDs that do not have a data structure model, and updating the data based on the existing data structure model instead of building a data structure model from scratch for account IDs that already have a data structure model, the amount of data processing can be reduced to a certain extent, which can alleviate the computational burden and improve the efficiency of risk analysis.

[0041] After obtaining the data structure model of each account ID through any of the above embodiments, step S400 is executed to monitor whether the corresponding resource account meets the set early warning rules based on the data structure model of the account ID.

[0042] As an example, for each account ID, we can obtain the remaining resource balance (e.g., the account balance) of the resource account corresponding to the account ID, as well as the resource value corresponding to each resource ID. Then, based on the resource value corresponding to each resource ID under the account ID, we calculate the cumulative remaining disbursement amount. For example, assuming an account ID corresponds to 10 resources, and the resource value of each of the 10 resources is 50 yuan, then the cumulative remaining disbursement amount is 500 yuan. Then, we compare the cumulative remaining disbursement amount with the account resource balance. If the cumulative remaining disbursement amount is greater than the account resource balance, it meets the resource warning rule, indicating that the account balance of the resource account is insufficient to write off these resources, and there is a risk of insufficient funds. Conversely, if the cumulative remaining disbursement amount is not greater than the account resource balance, it does not meet the resource warning rule, indicating that the account balance of the resource account is sufficient, and there is no risk of insufficient funds. Therefore, in this example, the resource warning rule includes: the cumulative remaining disbursement amount is greater than the account resource balance.

[0043] In the above, the remaining balance of account resources can be obtained by querying the resource account balance through the resource supplier, and the resource value can be extracted from marketing data. Resource value can refer to the highest monetary value that resources can save or redeem for users. For example, for a red envelope, its resource value represents the amount marked on the red envelope; for an interest-free coupon, its resource value represents the amount represented by the interest that the user does not need to pay after redeeming the interest-free coupon; for a discount coupon, its resource value represents the amount reduced proportionally.

[0044] While the above examples can be used to monitor financial risks, the possibility of over-issuance of resources means that monitoring resource account adequacy based solely on resource value could lead to situations where resources are still redeemed even when marketing budgets are exceeded, potentially impacting the original planned use of funds and consequently affecting investment in other resources besides those mentioned above. Therefore, to address this technical problem, in some embodiments, the risk control method proposed in one or more embodiments of this specification classifies financial risks into more granular risk categories for monitoring, thereby improving monitoring effectiveness while preventing marketing budget overruns. Based on this, resource early warning rules can include resource occupancy early warning rules to alert users to the risk of fund occupancy within financial risks.

[0045] Accordingly, the risk prevention and control method proposed in one or more embodiments of this specification also proposes a monitoring scheme for the risk of fund misappropriation, as follows: In step S200 above, the extracted resource data may also include the total amount of resources issued associated with the marketing ID, as well as the resource value, resource type, and resource status associated with the resource ID; the resource supplier data may also include the remaining amount of account resources; wherein, the resource type includes a first type used to represent the account resource quota occupied after issuance, and a second type used to represent the account resource quota not occupied after issuance but occupied after cancellation; the resource status includes unissued and cancelled.

[0046] Understandably, for the first type of resources, since they occupy the account's resource quota immediately after issuance, the corresponding quantity and value of resources have already been configured according to the marketing budget during the configuration phase, and there will be no over-budget issuance. For the second type of resources, since they do not occupy the account's resource quota after issuance but only after redemption, an over-issuance mechanism is usually used during the configuration phase to consider the redemption rate, thus leading to over-budget issues. To monitor whether they exceed the budget, the marketing budget needs to be used. Therefore, the total amount of resources issued associated with the marketing ID mentioned above refers to the marketing budget for the second type of resources.

[0047] Based on this, step S400 above, which involves monitoring whether the resource account of the account ID conforms to the set early warning rules according to the data structure model to which the account ID belongs, may include: In step S411, based on the marketing ID stored in the data structure model to which the account ID belongs, the resource value of the unissued first type of resources and the resource value of the cancelled second type of resources associated with each marketing ID are extracted. In step S412, for each marketing ID, the first cumulative remaining amount is calculated based on the resource value of the corresponding unissued first type of resource, and the cumulative resource consumption amount is calculated based on the resource value of the corresponding written-off second type of resource. In step S413, the second cumulative remaining amount corresponding to each marketing ID is calculated based on the total amount of resources allocated and the cumulative amount of resources consumed for each marketing ID. In step S414, all the calculated first cumulative surplus and all the second cumulative surplus are summed to obtain the total marketing surplus; In step S415, if the total remaining marketing amount is greater than the remaining account resources of the account ID, it is determined that the resource account of the account ID meets the resource occupancy warning rule.

[0048] Understandably, during the monitoring of fund risks, the risk monitoring and analysis of fund misappropriation can be achieved by executing steps S411 to S415. The following example illustrates the analysis of whether a resource account has a risk of fund misappropriation: First, execute step S411 to obtain the marketing ID from the data structure model to which the account ID belongs, and extract the resource value of the unissued first type of resources associated with each marketing ID and the resource value of the cancelled second type of resources from the resource data.

[0049] Next, step S412 is executed. Using a single marketing ID as the unit, the total value of the unissued Type 1 resources corresponding to each marketing ID is calculated individually to obtain the first cumulative remaining amount. This allows monitoring of how much Type 1 resource quota remains to be issued. During the calculation of the first cumulative remaining amount for each marketing ID, the total value of the redeemed Type 2 resources corresponding to each marketing ID can also be calculated simultaneously to obtain the cumulative resource consumption amount. This allows monitoring of how much marketing budget has been consumed by Type 2 resources using the over-issuance mechanism.

[0050] After calculating the cumulative resource consumption amount, step S413 is executed to subtract the total resource distribution amount corresponding to each marketing ID from the cumulative resource consumption amount to obtain the second cumulative remaining amount corresponding to each marketing ID, thereby monitoring how much second type of resources each marketing ID still has to distribute.

[0051] After obtaining the first and second cumulative remaining amounts corresponding to each marketing ID, step S414 is executed to sum all the calculated first and second cumulative remaining amounts to obtain the total marketing remaining amount, thereby monitoring how much resource can still be distributed under all marketing campaigns funded by the same resource account.

[0052] Next, the total remaining marketing balance is compared with the remaining resource balance in the resource account to analyze whether the resource account meets the fund occupation warning rule, i.e., to analyze whether the resource account has a risk of fund occupation. Specifically, if the total remaining marketing balance is not greater than the remaining resource balance in the resource account, it does not meet the resource occupation warning rule, indicating that the resource account can still support the write-off of the remaining resources, and there is no risk of fund occupation. Conversely, if the total remaining marketing balance is greater than the remaining resource balance in the resource account, it meets the resource occupation warning rule, indicating that the resource account may not be able to support the write-off of the remaining resources, and step S415 is executed. At this point, it is determined that the resource account meets the resource occupation warning rule. Therefore, in this example, the resource occupation warning rule includes: the total remaining marketing balance is greater than the remaining resource balance in the resource account.

[0053] To ensure that resource accounts retain sufficient remaining funds and to prevent resources that are within budget from being unrecoverable, in some embodiments, the risk control method proposed in one or more embodiments of this specification also proposes a monitoring scheme for the risk of fund consumption, as follows: Based on this, resource early warning rules can include resource consumption early warning rules to warn of the risk of fund consumption in the financial risk. In order to quickly obtain relevant data for monitoring and analysis of fund consumption risk, the first-level node where the account ID is located can also store the corresponding account resource balance.

[0054] Accordingly, step S400 above, which involves monitoring whether the resource account of the account ID conforms to the set early warning rules based on the data structure model to which the account ID belongs, may include: In step S421, the remaining account resources of the account ID are extracted according to the data structure model to which the account ID belongs; In step S422, based on the remaining account resources of the account ID and the set balance threshold, it is determined whether the resource account corresponding to the account ID meets the resource consumption warning rule.

[0055] Understandably, during the monitoring of financial risks, the risk monitoring and analysis of financial consumption can be achieved by executing steps S421 to S422. The following example illustrates the analysis of whether a resource account has a risk of financial consumption: First, execute step S421 to extract the account ID and its corresponding remaining account resources from the first-level node of the data structure model to which the account ID belongs, which stores the account ID and the remaining account resources.

[0056] Next, step S422 is executed to compare the remaining account resources with the set balance threshold to analyze whether there is a risk of fund consumption in the resource account. If the remaining account resources are greater than the balance threshold, it does not meet the resource consumption warning rule, indicating that the resource account has sufficient balance to guarantee a certain amount of resource write-off. Conversely, if the remaining account resources are less than the balance threshold, it meets the resource consumption warning rule, indicating that the resource account has insufficient balance and a certain risk of resource write-off, suggesting a recharge. Therefore, the monitoring indicates that the resource account corresponding to the current account ID has a risk of fund consumption. It is evident that in this example, the resource consumption warning rule includes: the remaining account resources are not greater than the balance threshold.

[0057] In the above, the balance threshold can be pre-configured according to actual needs or experience. For example, it can take a value between [200, 1000), but is not limited to this.

[0058] Financial risks may include at least one of the risks of capital occupation and the risks of capital consumption. Accordingly, the risk prevention and control methods proposed in one or more embodiments of this specification may include at least one of the monitoring schemes for the risks of capital occupation and the monitoring schemes for the risks of capital consumption. In some embodiments, in order to achieve more comprehensive monitoring of financial risks and to have the ability to reduce the risks of capital occupation and the risks of capital consumption, thereby better improving user experience, enhancing user stickiness, increasing short-term sales, improving the effectiveness of inventory optimization, or enhancing the effectiveness of brand building, the risk prevention and control methods proposed in one or more embodiments of this specification may include the monitoring schemes for the risks of capital occupation and the monitoring schemes for the risks of capital consumption.

[0059] If, through monitoring using one or more of the above embodiments, a resource account meeting the resource early warning rules is identified as worthy of early warning, step S500 is executed to output an early warning message indicating that the resource account worthy of early warning poses a financial risk. In some examples, early warning messages can be aggregated and output on a risk prevention and control service platform. Based on this, after relevant personnel log in to the risk prevention and control service platform, they can view the early warning messages for each discovered risk through the risk viewing interface provided by the platform and resolve the risks.

[0060] Taking financial risks, including the risk of fund misappropriation and the risk of fund depletion, as an example, the early warning message may include, but is not limited to: the name of the resource supplier, the resource account to be warned, the risk type, the risk description, and the risk discovery time. The risk type includes the risk of fund misappropriation and the risk of fund depletion; the risk description includes the marketing type and marketing ID to clearly identify the marketing activity that caused the financial risk to the resource account, facilitating quick identification of the risk by relevant personnel and promoting rapid risk resolution; the risk discovery time is the time when the resource account is determined to meet the set early warning rules through one or more of the above embodiments.

[0061] In some embodiments, to achieve more comprehensive risk monitoring, thereby reducing financial risk while also mitigating business risk, ensuring business conversion rates, enhancing the value created by marketing, further improving user experience, strengthening user stickiness, increasing short-term sales, improving the effectiveness of inventory optimization, or enhancing brand building effectiveness, the risk control method proposed in one or more embodiments of this specification may include a business risk monitoring scheme. That is, the risk control method proposed in one or more embodiments of this specification may include the following steps: In step S4000, for each marketing campaign, the system monitors whether the marketing campaign meets the set business early warning rules based on the marketing ID of the marketing campaign. In step S6000, if the monitoring detects that there is a marketing activity that meets the business early warning rules, an early warning message for the marketing activity is output.

[0062] As described above, the business early warning rules are used to alert users to business risks. These risks may include at least one of the timeliness risks, marketing expenditure risks, and marketing reimbursement risks mentioned above. Correspondingly, the business early warning rules may include at least one of the timeliness early warning rules, marketing expenditure early warning rules, and marketing reimbursement early warning rules.

[0063] Business risk monitoring and financial risk monitoring can be executed in parallel or sequentially. In the case of sequential execution, the order of execution is not limited.

[0064] To monitor business risks, step S4000 is executed, which monitors each marketing unit for business risks based on its marketing ID. In this regard, the risk control method proposed in one or more embodiments of this specification provides one or more monitoring schemes for business risks. Specifically, the monitoring scheme for business risks may include at least one of the following: a monitoring scheme for timeliness risks, a monitoring scheme for marketing consumption risks, and a monitoring scheme for marketing write-off risks.

[0065] Monitoring solutions for timeliness risks To achieve the purpose of monitoring timeliness risks, the step S4000 above, which involves monitoring whether the marketing activity meets the set business early warning rules based on the marketing ID, may include: In step S4110, the marketing configuration data corresponding to the marketing ID is obtained; In step S4120, based on the marketing configuration data, the remaining usage period and status information of the unissued resources and target groups corresponding to the marketing ID are obtained; In step S4130, if the unreleased resources or the remaining usage period of the target group is less than a set time limit threshold, or if the status information of the unreleased resources or the target group is abnormal, it is determined that the marketing complies with the timeliness warning rule.

[0066] After extracting the marketing ID from the marketing data, steps S4110 to S4130 can be executed to monitor whether there are any time-sensitive risks for each marketing campaign. First, execute step S4110 to obtain the marketing configuration data corresponding to each marketing ID from multiple business service platforms.

[0067] Next, step S4120 is executed to extract the remaining usage period and status information of the unissued resources and target groups corresponding to the marketing ID from the marketing configuration data. The remaining usage period of the unissued resources can be calculated based on the resource's validity time and the current time, and its unit can be days or hours; this embodiment does not limit this. The status information of the unissued resources includes abnormal and normal. Abnormalities include, but are not limited to, the following: marketing activity paused or offline. The target group refers to the population that meets the set marketing participation conditions. These conditions can be set by business personnel according to actual needs, such as filtering the population based on age, personal credit, or whether a bank card is linked, but are not limited to these. The remaining usage period of the target group can be understood as the validity period for marketing to distribute resources to the target group. This can be configured by relevant personnel during the marketing configuration stage or a default period can be used, and can also be calculated based on the target group's validity time and the current time. The status information of the target group includes abnormal and normal. Abnormalities include, but are not limited to, the following: the target group export fails due to system problems or outdated population data, or the number of exported target group members is less or more than the defined target group members, or the target group has been deleted.

[0068] After obtaining the remaining usage period and status information of unissued resources and target groups corresponding to the marketing ID, analyze whether the remaining usage period of unissued resources and target groups is less than the set time limit, and analyze whether the status information of resources and target groups is abnormal. If the remaining usage period is less than the set time limit, it means that the unissued resources or target groups are about to expire. Continuing to issue resources may result in the target groups not having sufficient usage time, which could negatively impact business conversion. If the status information of resources is abnormal, it means that the resources have been suspended or taken offline due to marketing restrictions. Issuing them would be meaningless and could negatively impact both business conversion and user experience. If the status information of target groups is abnormal, it means that the target group selection may be incorrect. Continuing to issue resources to the current target group may result in the target group being unable to use the resources normally, or even if they can use the resources normally, the target group may not be the intended target group in the actual application, which may affect business objectives to some extent. In either case, business conversion may be affected.

[0069] Therefore, if the analysis results show that the remaining usage period of the unreleased resources or the target group is less than the set time limit threshold, or the status information of the unreleased resources or the target group is abnormal, then step S4130 is executed. At this time, the marketing is considered to meet the timeliness warning rules and there is a timeliness risk.

[0070] As can be seen in the above example, the timeliness warning rules include: the remaining usage period of the unallocated resources or the target group is less than the set time limit threshold, or the status information of the unallocated resources or the target group is abnormal.

[0071] In some embodiments, to improve the accuracy of monitoring time-sensitive risks and thus avoid false alarms that increase the workload of relevant personnel, the risk prevention and control method proposed in one or more embodiments of this specification also proposes a scheme for noise reduction processing of the time-sensitive risks detected by monitoring. That is, the marketing to be warned includes the first marketing that conforms to the time-sensitive warning rules. Before outputting the warning message corresponding to the marketing to be warned, the risk prevention and control method proposed in one or more embodiments of this specification may further include the following steps: In step S5110, the timeliness risk marker of the unissued non-claimable type resources corresponding to the first marketing is cleared to obtain the updated first marketing; wherein, the non-claimable type is used to characterize the type of resource whose issuance does not require user claiming behavior to trigger.

[0072] Understandably, since non-receivable resources are immediately bound to user accounts after distribution, without requiring users to click to claim them, the successful distribution of non-receivable resources is irrelevant to user claiming behavior. Therefore, the user's usability period does not need to be considered, and there is no time-sensitive risk. Thus, time-sensitive risks caused by non-receivable resources can be filtered out from the monitored time-sensitive risks. Therefore, step S5110 is executed to remove the risk markers of undistributed non-receivable resources in the first marketing campaign. Based on this, if the time-sensitive risk of the first marketing campaign is caused by undistributed non-receivable resources, the first marketing campaign can be deleted from the time-sensitive risk list, resulting in an updated first marketing campaign with genuine time-sensitive risks. This improves the accuracy of the final output warning message.

[0073] Marketing expenditure risk monitoring solution To achieve the goal of monitoring marketing expenditure risks, one or more embodiments of this specification propose a risk control method and two marketing expenditure risk monitoring schemes. One or both schemes can be selected to conduct a more accurate and comprehensive analysis of marketing expenditure risks.

[0074] First type of marketing expenditure risk monitoring solution The first marketing expenditure risk monitoring solution is used to monitor the risk of insufficient marketing budget.

[0075] Based on this, the business early warning rules include marketing expenditure early warning rules; in step S4000 above, the step of monitoring whether the marketing meets the set business early warning rules according to the marketing ID of the marketing may include: In step S4211, the corresponding total amount of resources distributed and the value of undistributed resources are obtained based on the marketing ID; In step S4212, the remaining resource occupancy amount of the unissued resources is calculated based on the resource value of the unissued resources; In step S4213, based on the total amount of resources allocated and the remaining amount of resources occupied, it is determined whether the marketing campaign complies with the marketing consumption early warning rule.

[0076] After extracting the marketing ID from the marketing data, steps S4211 to S4213 can be executed to monitor whether there is any marketing expenditure risk for each marketing campaign: First, execute step S4211 to obtain the total amount of marketing resources allocated and the value of unallocated resources from the marketing data based on the marketing ID.

[0077] Next, step S4212 is executed to accumulate the resource value of the unissued resources under the marketing to obtain the remaining resource usage amount of the unissued resources.

[0078] After obtaining the remaining unallocated resources for each marketing campaign, step S4213 is executed. For each marketing campaign, based on its total resource allocation and remaining resource allocation, an analysis is performed to determine if there is a marketing consumption risk. In some examples, the total resource allocation can be subtracted from the remaining resource allocation to obtain the unallocated resources. For example, assuming a marketing budget of 1000 yuan and a remaining resource allocation of 100 yuan, the unallocated resources (e.g., remaining marketing budget) would be 1000 - 100 = 900 yuan. Then, the unallocated resources are compared with a set remaining budget threshold. If the comparison result indicates that the unallocated resources are greater than the set remaining budget threshold, it does not meet the marketing consumption warning rule, meaning the corresponding marketing campaign has sufficient remaining marketing budget and there is no marketing consumption risk. Conversely, if the comparison result indicates that the unallocated resources are not greater than the set remaining budget threshold, it meets the marketing consumption warning rule, meaning the corresponding marketing campaign faces a marketing consumption risk. The remaining budget threshold can be set based on experience or actual needs; this embodiment does not limit this setting. As can be seen in this example, the marketing expenditure warning rule includes: the amount of unused resources is not greater than the set remaining budget threshold.

[0079] Based on this, in some examples, multiple remaining budget thresholds can be configured to provide different levels of alerts regarding the remaining marketing budget. For instance, assuming the remaining budget thresholds are 300, 500, 700, and 900, if the unused resources are less than or equal to 900 but greater than 700, the alert message can indicate that the remaining marketing budget is between 700 and 900. Conversely, if the unused resources are less than 300, the alert message can indicate that the remaining marketing budget is less than 300. Compared to using only one remaining budget threshold for marketing expenditure risk analysis, the alert message can provide alerts for the remaining marketing budget across different budget ranges, rather than relying solely on a single budget range from beginning to end. This allows relevant personnel to more accurately understand the extent of marketing budget depletion.

[0080] In addition, there is another solution that allows relevant personnel to clearly and accurately understand the extent of marketing budget consumption. Specifically, during step S4213, the percentage of remaining resource usage to the total resource allocation is calculated. This percentage represents the proportion of remaining resource usage within the total resource allocation; for example, 30% means that remaining resource usage accounts for 30% of the total resource allocation. This percentage can then be compared to a set percentage threshold. If the comparison shows that the percentage is not greater than the set percentage threshold, it does not meet the marketing consumption warning rule, indicating that the remaining marketing budget for the corresponding marketing campaign is sufficient and there is no marketing consumption risk. Conversely, if the comparison shows that the percentage is greater than the set percentage threshold, it meets the marketing consumption warning rule, indicating that the corresponding marketing campaign faces marketing consumption risk. The percentage threshold can be set based on experience or actual needs, and this embodiment does not limit it. Therefore, in this example, the marketing consumption warning rule includes: the percentage of remaining resource usage to the total resource allocation is greater than the set percentage threshold.

[0081] Similarly, in some embodiments, multiple percentage thresholds can be configured to provide different levels of reminders for the remaining marketing budget. These multiple percentage thresholds can be set based on experience or actual needs. For example, four percentage thresholds can be set, namely 5%, 10%, 20%, and 50%, but are not limited to this.

[0082] The second marketing expenditure risk monitoring solution The second marketing consumption risk monitoring solution is used to monitor the risk of abnormal changes that may occur during the resource allocation process.

[0083] Based on this, the step S4000 above, which involves monitoring whether the marketing meets the set business early warning rules based on the marketing ID of the marketing, may include: In step S4221, the total amount of resources distributed corresponding to the marketing ID in the first set time period and the total amount of resources distributed in the second set time period are obtained; the first set time period and the second set time period have the same duration; In step S4222, based on the first total amount distributed and the second total amount distributed, it is monitored whether the marketing complies with the marketing consumption early warning rule.

[0084] After extracting the marketing ID from the marketing data, steps S4221 to S4222 can be executed to monitor whether there is any marketing expenditure risk for each marketing campaign: First, execute step S4221 to retrieve the total amount of marketing resources distributed within two different set time periods from the marketing data based on the marketing ID. This includes the first total distribution amount within the first set time period and the second total distribution amount within the second set time period. The first and second set time periods can be time periods of equal duration on the same day. For example, the second set time period could be ten minutes before the current time, and the first set time period could be ten minutes before the current time, but this is not limited to these scenarios. Alternatively, the first and second set time periods can be time periods of equal duration on different days. For example, the second set time period could be thirty minutes before the current time of the current day, and the first set time period could be the same time period of the previous day, but this is not limited to these scenarios.

[0085] Then, step S4222 is executed to monitor for marketing consumption risk using the first and second total distribution amounts. In some examples, the absolute difference between the first and second total distribution amounts can be calculated first, and then compared with a set distribution volume fluctuation threshold. If the absolute difference is greater than the distribution volume fluctuation threshold, it meets the marketing consumption warning rule, indicating that the distribution volume of distributed resources has changed too much and there may be an abnormal fluctuation risk. In this case, the marketing consumption risk is detected. Conversely, if the absolute difference is not greater than the distribution volume fluctuation threshold, it does not meet the marketing consumption warning rule, indicating that the distribution volume of distributed resources is normal and there is no abnormal fluctuation risk. In this case, the marketing consumption risk is detected. Therefore, in this example, the marketing consumption warning rule includes: the absolute difference between the first and second total distribution amounts is greater than the distribution volume fluctuation threshold.

[0086] The threshold for fluctuations in the distribution volume can be set based on experience or actual needs, and this specification does not limit this in the embodiments.

[0087] In some embodiments, to improve the accuracy of monitoring marketing expenditure risks and thus avoid false alarms that increase the workload of relevant personnel, the risk prevention and control method proposed in one or more embodiments of this specification also proposes a scheme for noise reduction processing of the marketing expenditure risks detected by monitoring. That is, the marketing to be warned includes a second marketing that conforms to the marketing expenditure warning rules. Before outputting the warning message corresponding to the marketing to be warned, the risk prevention and control method proposed in one or more embodiments of this specification may further include at least one of the following steps: In step S5210, the marketing consumption risk flag of the unissued non-claimable type resources corresponding to the second marketing is cleared to obtain the updated second marketing; wherein, non-claimable type is used to characterize the type of resource whose issuance does not need to be triggered by user claiming behavior; In step S5220, if the marketing status of the second marketing is abnormal, the risk label of the second marketing is updated to the no-activity consumption risk label; In step S5230, if the remaining resource allocation amount corresponding to the second marketing is less than the set resource threshold, the risk label of the second marketing is updated to the risk label of no activity consumption. In step S5240, upon receiving a feedback message that the second marketing campaign does not require a warning, the risk flag of the second marketing campaign is updated to a risk flag indicating no activity consumption.

[0088] It is understandable that the above steps S5210 to S5240 can be executed serially or in parallel, and the order of execution is not limited when they are executed serially.

[0089] Regarding step S5210, since non-claimable resources are bound to user accounts immediately after issuance, without requiring users to click to claim them, these resources are typically automatically issued by the system according to pre-configured settings and are unaffected by user claiming behavior. Therefore, the marketing consumption risk they pose can be ignored. Based on this, step S5210 can be executed to investigate resources under the second marketing campaign, clearing the marketing consumption risk markers of unissued non-claimable resources, thus identifying the second marketing campaign that truly carries marketing consumption risk and improving the accuracy of the final warning message.

[0090] For step S5220, since the cause of abnormal marketing status is usually marketing suspension or marketing offline, and marketing after suspension or offline usually does not affect the marketing budget, and there is no need to consider whether the distribution volume has changed abnormally, step S5220 is executed to update the risk label of the second marketing with abnormal marketing status to a no marketing consumption risk label. For example, the marketing consumption risk label of the second marketing is deleted, or the risk label of the second marketing is updated from a label used to indicate that there is marketing consumption risk to a label used to indicate that there is no marketing consumption risk. This avoids abnormal marketing triggering warnings and increasing the workload of relevant personnel, and helps to improve the accuracy of the final output warning message.

[0091] For step S5230, if the remaining resource allocation amount corresponding to the second marketing is less than the set resource threshold (such as the remaining budget threshold mentioned above), it means that the remaining budget of the second marketing is insufficient. Since the second marketing with insufficient remaining budget has already been warned of the risk through other means, in order to avoid the impact on risk handling efficiency due to different risks caused by the same reason being reminded again, step S5320 is executed to update the risk label of the second marketing with the remaining resource allocation amount less than the set resource threshold to the risk label of no marketing consumption, which is conducive to improving the accuracy of the final output warning message.

[0092] Regarding step S5240, since some marketing risks may have been investigated and reported as risk-free before this round of monitoring, the risks caused by these marketing activities reported as risk-free can be ignored to avoid the need for relevant personnel to conduct repeated investigations, which would increase the burden and unnecessaryness of risk investigation and affect the efficiency of risk handling. Therefore, by executing step S5240, for the second marketing, we can monitor from the historical risk handling records whether there are feedback messages of no marketing consumption risk for the second marketing. If so, the risk label of the corresponding second marketing will be updated to the no marketing consumption risk label, which will help improve the accuracy of the final output warning message.

[0093] Marketing write-off risk monitoring solution To monitor marketing reimbursement risks, the business early warning rules may include marketing reimbursement early warning rules; in step S4000 above, the step of monitoring whether the marketing meets the set business early warning rules based on the marketing ID of the marketing may include: In step S4310, the total amount of redeemed resources corresponding to the marketing ID in the first redemption period and the total amount of redemption in the second redemption period in the fourth redemption period are obtained; the third redemption period and the fourth redemption period have the same duration; In step S4320, the marketing is monitored to see if it complies with the marketing reimbursement warning rules based on the first reimbursement total and the second reimbursement total.

[0094] Steps S4310 to S4320 above are used to monitor the abnormal change risk in marketing reimbursement risk, where abnormal change risk refers to whether there are abnormal fluctuations in resource reimbursement volume.

[0095] Based on this, after extracting the marketing ID from the marketing data, steps S4310 to S4320 can be executed to monitor whether there is a marketing reimbursement risk for each marketing campaign: First, execute step S4310 to retrieve the total redeemed resources of the marketing data within two different set time periods based on the marketing ID. This includes the first redeemed total within the third set time period and the second redeemed total within the fourth set time period. The third and fourth set time periods can be time periods of equal duration on the same day. For example, the fourth set time period could be 20 minutes before the current time, and the third set time period could be 20 minutes before the current time, but this is not limited to these. Alternatively, the third and fourth set time periods can be time periods of equal duration on different days. For example, the fourth set time period could be 30 minutes before the current time of the current day, and the third set time period could be the same time period of the previous day, but this is not limited to these.

[0096] Then, step S4320 is executed to analyze whether the marketing campaign complies with the marketing reimbursement early warning rules using the first and second total reimbursement amounts, thereby monitoring for marketing reimbursement risks. In some examples, the absolute difference between the first and second total reimbursement amounts can be calculated first, and then compared with a set reimbursement volume fluctuation threshold. If the absolute difference is greater than the reimbursement volume fluctuation threshold, it meets the marketing reimbursement early warning rules, indicating that the reimbursement volume of the reimbursed resources has changed too much and there may be an abnormal fluctuation risk. In this case, the marketing campaign is monitored for marketing reimbursement risks. Conversely, if the absolute difference is not greater than the reimbursement volume fluctuation threshold, it does not meet the marketing reimbursement early warning rules, indicating that the reimbursement volume of the reimbursed resources is normal and there is no abnormal fluctuation risk. In this case, the marketing campaign is monitored for no marketing reimbursement risks. Therefore, in this example, the marketing reimbursement early warning rules include: the absolute difference between the first and second total reimbursement amounts is greater than the reimbursement volume fluctuation threshold.

[0097] In the above, the total write-off amount can be either the quantity of resources written off or the write-off quota of resources. When the total write-off amount is the quantity of resources written off, the write-off volume fluctuation threshold represents the threshold for fluctuation in the write-off quantity, which can be set based on experience or actual needs, and this specification does not limit this. Similarly, when the total write-off amount is the write-off quota, the write-off volume fluctuation threshold represents the threshold for fluctuation in the write-off quota, which can also be set based on experience or actual needs, and this specification does not limit this.

[0098] In some embodiments, to improve the accuracy of monitoring marketing reimbursement risk, one or more embodiments of this specification also propose another scheme for monitoring marketing reimbursement risk using a first reimbursement total and a second reimbursement total, i.e., both the first and second reimbursement totals include reimbursement amount and reimbursement quantity. Based on this, step S4320 above, the step of monitoring whether the marketing reimbursement complies with the marketing reimbursement early warning rules based on the first and second reimbursement totals, includes: In step S4321, the fluctuation range of the credit limit between the first write-off limit and the second write-off limit is calculated; In step S4322, the fluctuation range between the first write-off quantity and the second write-off quantity is calculated; In step S4323, if the fluctuation amplitude of the credit limit is greater than the set credit limit fluctuation threshold and the fluctuation amplitude of the quantity is greater than the set quantity fluctuation threshold, it is determined that the corresponding marketing complies with the marketing reimbursement warning rule.

[0099] In the above, steps S4321 and S4322 can be executed sequentially or in parallel. In the case of sequential execution, the order of execution is not limited.

[0100] During the execution of step S4321, the absolute difference between the first write-off limit and the second write-off limit is calculated to obtain the limit fluctuation amplitude.

[0101] During step S4322, the absolute difference between the first write-off quantity and the second write-off quantity is calculated to obtain the quantity fluctuation amplitude.

[0102] After obtaining the fluctuation range of the credit limit and the fluctuation range of the quantity, the fluctuation range of the credit limit is compared with the set fluctuation threshold of the credit limit, and the fluctuation range of the quantity is compared with the set fluctuation threshold of the quantity. If the comparison results show that the fluctuation range of the credit limit is greater than the set fluctuation threshold of the credit limit and the fluctuation range of the quantity is greater than the set fluctuation threshold of the quantity, it meets the marketing reimbursement warning rule, indicating that there is an abnormal change in the resource reimbursement situation under the marketing. Therefore, step S4323 is executed to determine that the corresponding marketing meets the marketing reimbursement warning rule, that is, the monitoring shows that the corresponding marketing has a marketing reimbursement risk.

[0103] Conversely, if the comparison results indicate that the fluctuation range of the credit limit is not greater than the set credit limit fluctuation threshold, or the fluctuation range of the quantity is not greater than the set quantity fluctuation threshold, then it does not meet the marketing reimbursement early warning rules, indicating that the resource reimbursement under the marketing is in a normal trend, and the monitoring shows that there is no marketing reimbursement risk in the corresponding marketing.

[0104] However, abnormal fluctuations in the total amount of reimbursement may be caused by expired resources, which is a normal fluctuation. If warnings are issued for this as well, it would obviously increase the burden of unnecessary risk warnings. Therefore, to solve this technical problem and simultaneously achieve rapid noise reduction of marketing reimbursement risks, in some embodiments, the risk control method proposed in one or more embodiments of this specification also proposes a scheme for noise reduction processing of the marketing reimbursement risks detected by monitoring. That is, the marketing to be warned includes third-party marketing that conforms to the marketing reimbursement warning rules; before outputting the warning message for the marketing to be warned, the risk control method proposed in one or more embodiments of this specification may further include at least one of the following steps: In step S5310, if the second redemption limit or the second redemption total amount corresponding to the third marketing is zero, the last usage period of the resources associated with the third marketing is obtained. In step S5320, if the last usage period of the resource associated with the third marketing does not exceed the end time of the fourth set time period, the risk label of the third marketing is updated to a no-marketing-redeem-risk label.

[0105] After obtaining the marketing reimbursement risk, in order to improve the effectiveness and accuracy of the output marketing reimbursement risk, steps S5310 and S5320 can be executed to filter out marketing reimbursement risks that do not require warning.

[0106] During the execution of step S5310, it can be determined whether the second redemption limit or the second redemption total corresponding to the third marketing is zero. If at least one of them is zero, it indicates that it may be due to the expiration of resources. Therefore, the last usage period of the resources associated with the third marketing is obtained for further processing in step S5320.

[0107] During step S5320, it is determined whether the final usage period of the resource has not exceeded the fourth set time period. If so, it means that the resource has expired within or before the fourth set time period. Therefore, the sudden drop of the second write-off limit or the second write-off total to zero is a normal phenomenon, and the corresponding third marketing risk label can be updated to the no-marketing write-off risk label. This can improve the accuracy of the warning message output, reduce the risk handling burden, and improve the risk handling efficiency.

[0108] In some examples, to facilitate updating the risk monitoring schemes for capital occupation, capital consumption, timeliness, marketing consumption, or marketing reimbursement according to actual needs, each risk monitoring scheme can be written as an independent script, forming a separate risk monitoring sub-module. Based on this, when it is necessary to modify any of the monitoring schemes, the relevant users only need to obtain the script file of that monitoring scheme and make the modification, without affecting the normal operation of other monitoring schemes.

[0109] If, through monitoring of one or more embodiments described above, a resource account conforming to the resource early warning rules is detected, step S500 is executed; if monitoring detects a marketing activity conforming to the business early warning rules, step S6000 is executed. In embodiments providing both financial risk monitoring and business risk monitoring, to avoid outputting early warning messages twice, if monitoring detects a resource account conforming to the resource early warning rules and a marketing activity conforming to the business early warning rules, the financial risk of the resource account and the business risk of the marketing activity can be output as the same early warning message, or the financial risk and business risk can be aggregated into a risk list.

[0110] In some embodiments, to visualize risk warning messages and facilitate risk handling and synchronous recording by relevant personnel, the risk prevention and control method proposed in one or more embodiments of this specification also proposes a risk visualization processing scheme. Specifically, step S500 above, which involves outputting warning messages for resource accounts to be warned, includes: In step S510, the resource account to be warned and its warning message, as well as the operation control corresponding to each warning message, are displayed through the display interface; the operation control includes an invalid control for indicating that the target risk indicated by the warning message is invalid, a follow-up control for indicating that the target risk is being followed up, and a confirmation control for indicating that the target risk has been repaired. In step S520, upon receiving an instruction generated by the invalid control being triggered, the status of the corresponding target risk is marked as completed and invalid; In step S530, upon receiving an instruction generated by the follow-up control being triggered, an input box for inputting the cause of the corresponding target risk is displayed, and the content obtained from the input box is marked as the corresponding target risk, and the status of the corresponding target risk is marked as being processed; In step S540, upon receiving an instruction generated by the confirmation control being triggered, the status of the corresponding target risk is marked as completed and valid.

[0111] Understandably, after monitoring identifies the resource accounts to be alerted, step S510 is executed to control the display interface to show the resource accounts to be alerted, their alert messages, and the aforementioned operation controls, such as... Figure 3 As shown, Figure 3 This is a schematic diagram of a risk display interface proposed in this specification according to an exemplary embodiment. The parts shown in the diagram with mosaics are not shown for the sake of user data confidentiality, but their meaning has been clearly described in this specification.

[0112] Of course, in other examples, the display interface showing the above content can be triggered by user operation commands. For example, after logging into the risk prevention and control service platform, relevant users can click on the risk viewing entry control configured on the homepage of the risk prevention and control service platform to jump to the above display interface to view detailed risk information.

[0113] Please continue reading Figure 3 In the displayed interface, relevant users can handle the risk by clicking any of the above controls: After reviewing the risks, if a user deems a risk invalid, they can click the invalid control at the corresponding risk level. The system will then detect the invalid instruction and execute step S520, marking the target risk corresponding to the current invalid instruction as completed and invalid.

[0114] After reviewing the risks, if relevant users need to record the processing progress or cause of a specific risk, they can click the follow-up control at the corresponding risk level. The system will then detect the follow-up instruction and execute step S530, displaying the input box on the screen. After the relevant user enters the cause of the risk or the details of its processing in the input box, they can click the complete control at the input box. The system will then detect the complete instruction and input the content from the input box into the corresponding risk level, such as... Figure 3 The "Confirm Reason" section of the displayed interface marks and displays the corresponding cause of the target risk, while simultaneously marking the status of the target risk as "processing".

[0115] After reviewing the risks, relevant users can click the confirmation button next to the target risk if the target risk has been repaired. The system will then detect the confirmation and execute step S540, marking the corresponding target risk as completed and valid.

[0116] Therefore, not only can risks be made intuitively and clearly visible, but it also facilitates risk management for relevant users and allows for easy review of the risk management process. Furthermore, in embodiments that also monitor business risks, business risks can be displayed alongside financial risks on the aforementioned interface.

[0117] In some embodiments, to facilitate relevant users in filtering and viewing risks according to their actual needs, please continue reading. Figure 3 The interface can also display a query section A, which can show multiple query input boxes, including but not limited to: Institution Name, Testing Entity, Resource Account, Risk Type, Risk Status, and Business Line. The Testing Entity ID includes Institution ID, Account ID, Marketing ID, and Resource ID. The Business Line refers to the business type of the marketing activity, including but not limited to: Merchant Installment Services, Card Binding Services, Promotional Services, and Points Services.

[0118] Based on this, relevant users can filter the risks they need to view according to their actual needs. For example, if a relevant user needs to view the risk situation under a certain resource account, they can enter the target account in the resource account field of query column A and click the "Query" control to filter and obtain the risk situation of the target account, which will then be displayed on the display interface.

[0119] In some embodiments, to achieve timely early warning of financial and / or business risks during marketing activities, the risk control method proposed in one or more embodiments of this specification also proposes a scheme for periodic risk monitoring. That is, the risk control method proposed in one or more embodiments of this specification may further include the following steps: In step S710, marketing data from the multiple platforms are acquired according to a set monitoring cycle; In step S720, if the risk indicated by the early warning message obtained based on marketing data processing in the current monitoring cycle is different from that in the previous monitoring cycle, the risk that existed in the previous monitoring cycle but not in the current monitoring cycle is marked as invalid, and the current risk is updated to include the risk obtained in the current monitoring cycle.

[0120] Understandably, the risk control methods proposed in one or more embodiments of this specification can be executed according to a set monitoring cycle to periodically monitor whether resource accounts comply with resource early warning rules (i.e., whether there is financial risk) and / or whether marketing complies with business early warning rules (i.e., whether there is business risk). This can improve the timeliness of risk detection and early warning, making risks more controllable. The monitoring cycle can be set according to actual needs or experience. For example, if more timely risk monitoring is desired, the monitoring cycle can be configured to be shorter, i.e., the monitoring frequency is higher. As an example, the monitoring cycle can be set to two hours, based on which the risk control methods proposed in one or more embodiments of this specification are executed once every two hours, but it is not limited to this.

[0121] Therefore, through steps S710 and S720, risks can be monitored and updated at a set frequency. In this way, not only can new risks be identified, but also old risks that are no longer monitored can be invalidated, realizing the intelligent closure function. Understandably, the processing work orders for old risks that are no longer in use can be closed, avoiding the need for relevant users to process the old risks, which would increase the risk processing burden and reduce the accuracy of risk processing.

[0122] In some embodiments, to facilitate relevant users in clearly understanding the funding chain of each resource supplier or each resource account through the risk prevention and control service platform, a data relationship graph viewing entry can be configured in the risk prevention and control service platform. Based on this, the risk prevention and control method proposed in one or more embodiments of this specification may further include the following steps: In step S800, upon receiving an instruction to view the data relationship graph of the target object, the data structure model to which the target object belongs is invoked to render the data relationship graph, which is then displayed through a display interface; the target object includes at least one of the following: resource provider name, resource account.

[0123] Please see Figure 4 , Figure 4 This is a schematic diagram of a data relationship graph interface proposed in this specification according to an exemplary embodiment. The data relationship graph interface may display a search bar, which may show multiple search input boxes, including but not limited to: organization name, resource account, and business line. Furthermore, Figure 4 The parts that are pixelated are not shown for the sake of user data confidentiality, but their meaning has been clearly stated in this manual.

[0124] Based on this, when a user needs to view the funding flow of a specific resource account, they can enter the target account in the resource account search input box and click the search control. The system receives the search command and calls the data structure model corresponding to the target account to render a data relationship graph, which is then displayed through the interface. In the displayed data relationship graph, the parent node represents the target object. For example, if searching by organization name, the parent node in the displayed data relationship graph is the relevant data of the resource supplier; if searching by resource account, the parent node is the relevant data of the resource account; if searching by business line, the parent node is the business line; if searching by both organization name and resource account, the parent node in the displayed data relationship graph can be the relevant data of the resource supplier. Figure 4 As shown in the diagram, this is the "master node".

[0125] In some embodiments, to make the content displayed in the data relationship graph more detailed and to facilitate relevant users' understanding of the funding status of the funding account or funding institution, the risk control method proposed in one or more embodiments of this specification further improves the data stored in the data structure model. Based on this, the resource supplier data also includes the resource supplier name, resource supplier ID, remaining resource amount (such as the resource supplier's total remaining budget), account name, and remaining account resource amount; the resource supplier ID is associated with at least one account ID; the resource data also includes the resource name and remaining resource allocation amount associated with the resource ID, and the marketing name and remaining resource allocation amount associated with the marketing ID.

[0126] Correspondingly, the data structure model corresponding to any account ID can also include a parent node. The parent node is used to store the resource provider name, resource provider ID, and remaining resource amount of the provider. The parent node is connected to the first-level node where the account ID associated with the resource provider ID is located. The first-level node is also used to store the account name associated with the account ID and the remaining resource amount of the account. The second-level node is also used to store the resource name associated with the resource ID and the remaining resource allocation amount. The third-level node is also used to store the marketing name associated with the marketing ID and the remaining resource allocation amount.

[0127] Understandably, when resource provider information is still stored, taking a tree-structured data structure model as an example, the first-level node, which was originally the parent node, is adaptively adjusted to a child node after the parent node.

[0128] Because the data stored in the data structure model typically changes with the issuance or write-off of resources—for example, the remaining supply resources, the remaining account resources, and the remaining issued resources; or, the addition or removal of marketing campaigns can also cause changes in the data structure model. For instance, a resource account originally intended to support three marketing campaigns might be removed, requiring the account to support only two; or a resource account originally intended to support four marketing campaigns might be removed, requiring the account to support a total of six. Therefore, to ensure timely updates to the data structure model and thus the accuracy of risk monitoring and fund flow, in some embodiments, the risk control method proposed in one or more embodiments of this specification may further include the following steps: In step S710, marketing data from the multiple platforms are acquired according to a set monitoring cycle; In step S730, if at least one of the resource data and resource supplier data extracted from marketing data in the current monitoring cycle is different from that in the previous monitoring cycle, the new data in the resource data and resource supplier data in the current monitoring cycle that is different from that in the previous monitoring cycle is updated into the corresponding data structure model.

[0129] Understandably, you can obtain the latest marketing data from multiple platforms according to a set monitoring period, and then periodically monitor whether the marketing data has changed. The monitoring period can be set according to actual needs or experience. For example, if you want more timely data updates, you can configure a shorter monitoring period, i.e., a higher monitoring frequency. As an example, the monitoring period can be set to two hours, but it is not limited to this.

[0130] After obtaining the latest marketing data through step S710 each time, step S730 is executed. This step compares any item in the resource data associated with the account ID and any item in the resource supplier data to see if there are any changes. If there are data changes, the latest data replaces the old data and updates the data structure model corresponding to the account ID, thus keeping the data in the data structure model up-to-date.

[0131] Figure 5 This is a schematic diagram of the structure of a device provided in this specification according to an exemplary embodiment. Figure 5 As shown, device 400 mainly consists of a communication interface 402, a user interface 404, a processor 406, and a data storage 408. These components are interconnected and communicate with each other via a system bus, network, or other connection mechanism 410. The communication interface 402 enables device 400 to communicate with other devices, access networks, and transmission networks via analog or digital modulation. For example, the communication interface 402 may include a chipset and antenna for wireless communication with a radio access network or access point. Furthermore, the communication interface 402 can be a wired interface such as Ethernet, Token Ring, or a USB port, or a wireless interface such as Wi-Fi, Bluetooth, Global Positioning System (GPS), or a wide-area wireless interface (e.g., WiMAX or LTE). Of course, the communication interface 402 can also support other forms of physical layer interfaces and standard or proprietary communication protocols. The communication interface 402 may also include multiple physical communication interfaces, such as Wi-Fi, Bluetooth, and wide-area wireless interfaces.

[0132] User interface 404 includes receiving user input and providing output to the user. Therefore, user interface 404 may include input components such as various types of keyboards, touch-sensitive or presence-sensitive panels, computer mice, trackballs, joysticks, microphones, still cameras, and video cameras, and output components such as display screens (which may be combined with touch-sensitive panels), CRTs, LCDs, LEDs, displays using DLP technology, printers, and other similar devices known or developed in the future. User interface 404 may also generate auditory output via speakers, speaker jacks, audio output ports, audio output devices, headphones, and other similar devices known or developed in the future. In some embodiments, user interface 404 may include software, circuitry, or other forms of logic capable of transmitting and receiving data from external user input / output devices. Additionally or alternatively, device 400 may support remote access from other devices via communication interface 402 or another physical interface (not shown). User interface 404 may be configured to receive user input, the position and movement of which may be indicated by indicators or cursors described herein. User interface 404 may also be configured as a display device for rendering or displaying text fragments.

[0133] Processor 406 may contain one or more general-purpose processors and / or special-purpose processors.

[0134] Data storage 408 may include one or more volatile and / or non-volatile storage components and may be integrated wholly or partially with processor 406. Data storage 408 may include removable and non-removable components.

[0135] Processor 406 is capable of executing program instructions 418 (e.g., compiled or uncompiled program logic and / or machine code) stored in data storage 408 to perform the various functions described herein. Data storage 408 may comprise a non-transitory computer-readable medium on which program instructions are stored, which, when executed by device 400, enable device 400 to perform any methods, processes, or functions disclosed in this specification and / or the accompanying drawings. Processor 406 executing program instructions 418 may result in processor 406 using data 412.

[0136] For example, program instructions 418 may include an operating system 422 (e.g., an operating system kernel, device drivers, and / or other modules) installed on device 400 and one or more applications 420 (e.g., a browser, social application, or game application). Similarly, data 412 may include operating system data 416 and application data 414. Operating system data 416 is primarily accessible to the operating system 422, while application data 414 is primarily accessible to one or more applications 420. Application data 414 may reside in a file system visible or hidden from the user of device 400.

[0137] Application 420 can communicate with operating system 422 through one or more application programming interfaces (APIs). These APIs help application 420 read and / or write application data 414, transmit or receive information via communication interface 402, receive or display information on user interface 404, etc.

[0138] In some terminology, application 420 may be simply referred to as "app". Furthermore, application 420 can be downloaded to device 400 through one or more online app stores or app markets. However, applications can also be installed on device 400 in other ways, such as through a web browser or a physical interface on device 400 (e.g., a USB port).

[0139] Please refer to Figure 6 , Figure 6 This is a block diagram of a risk control device provided in this specification according to an exemplary embodiment. This risk control device can be applied to, for example... Figure 5 The device shown implements the technical solution described in this specification. The risk control device 600 may include: The acquisition module 610 is configured to: acquire marketing data from multiple platforms; a platform includes at least one marketing, a marketing is used to distribute at least one resource, a resource is associated with a resource account, and a resource account can be used to support multiple resources of multiple marketing on multiple platforms; The extraction module 620 is configured to: extract resource data and resource supplier data carried by each resource from the marketing data; the resource data includes resource ID and marketing ID, and the resource supplier data includes the account ID of the resource account; The construction module 630 is configured to: construct a data structure model that corresponds one-to-one with each account ID, and store each account ID and its corresponding resource ID and marketing ID in the corresponding data structure model; the data structure model includes a first-level node, at least one second-level node, and at least one third-level node connected in sequence; the number of second-level nodes is the same as the number of resource IDs associated with the corresponding account ID; the account ID is stored in the first-level node, and the resource ID and its corresponding marketing ID are stored in the second-level node and the third-level node that have a connection relationship in sequence; The monitoring module 640 is configured to: for each account ID, monitor whether the resource account of the account ID meets the set resource early warning rules according to the data structure model to which the account ID belongs; The early warning module 650 is configured to output an early warning message for the resource account to be warned when the monitoring detects that there is a resource account to be warned that meets the resource early warning rules.

[0140] In some embodiments, the resource supplier data further includes a resource supplier name, a resource supplier ID, the remaining amount of supplier resources, and the account name and remaining amount of resource resources of the resource account; the resource supplier ID is associated with at least one account ID; the resource data also includes the resource name and remaining resource allocation associated with the resource ID, and the marketing name and remaining resource allocation associated with the marketing ID; The data structure model also includes a parent node; the parent node is used to store the resource supplier name, the resource supplier ID, and the remaining resource amount of the supplier, and the parent node is connected to the first-level node where the account ID associated with the resource supplier ID is located; the first-level node is also used to store the account name associated with the account ID and the remaining resource amount of the account; the second-level node is also used to store the resource name associated with the resource ID and the remaining resource allocation amount; the third-level node is also used to store the marketing name associated with the marketing ID and the remaining resource allocation amount.

[0141] In some embodiments, the resource data further includes the total amount of resources allocated associated with the marketing ID, and the resource value, resource type, and resource status associated with the resource ID; the resource supplier data further includes the remaining account resources of the resource account; wherein, the resource type includes a first type for representing the account resource quota occupied after allocation, and a second type for representing the account resource quota not occupied after allocation but occupied after write-off; the resource status includes unallocated and written-off; The resource early warning rules include resource occupancy early warning rules; the monitoring module 640, based on the data structure model to which the account ID belongs, monitors whether the resource account of the account ID meets the set early warning rules, and is configured as follows: Based on the marketing IDs stored in the data structure model to which the account IDs belong, extract the resource value of the unissued first type of resources and the resource value of the cancelled second type of resources associated with each marketing ID; For each marketing ID, the first cumulative remaining amount is calculated based on the resource value of the corresponding unissued first type of resources, and the cumulative resource consumption amount is calculated based on the resource value of the corresponding written-off second type of resources. The second cumulative remaining amount for each marketing ID is calculated based on the total amount of resources allocated and the cumulative amount of resources consumed for each marketing ID. Sum all the calculated first cumulative surpluses and all the second cumulative surpluses to obtain the total marketing surplus; If the total remaining marketing balance is greater than the remaining account resources of the account ID, then the resource account of the account ID is determined to meet the resource occupancy warning rule.

[0142] In some embodiments, the resource supplier data also includes the remaining resource balance of a resource account; the first-level node where the account ID is located also stores the corresponding remaining resource balance of the account. The resource early warning rules include resource consumption early warning rules; the process by which the monitoring module 640 monitors whether the resource account of the account ID meets the set early warning rules according to the data structure model to which the account ID belongs is configured as follows: Based on the data structure model to which the account ID belongs, extract the remaining account resources for the account ID; Based on the remaining account resources of the account ID and the set balance threshold, determine whether the resource account corresponding to the account ID meets the resource consumption warning rule.

[0143] In some embodiments, the monitoring module 640 is further configured to: for each marketing, monitor whether the marketing meets the set business early warning rules based on the marketing ID of the marketing; Correspondingly, the early warning module 650 is also configured to output an early warning message for the marketing activity that meets the business early warning rules when monitoring detects such activity.

[0144] In some embodiments, the business early warning rules include time-sensitive early warning rules; the process by which the monitoring module 640 monitors whether a marketing activity meets the set business early warning rules based on the marketing ID of the marketing activity is configured as follows: Retrieve the marketing configuration data corresponding to the marketing ID; Based on the marketing configuration data, obtain the remaining usage period and status information of the unissued resources and target groups corresponding to the marketing ID; If the unallocated resources or the remaining usage period of the target group is less than a set time limit threshold, or if the status information of the unallocated resources or the target group is abnormal, the marketing is determined to meet the timeliness warning rules.

[0145] In some embodiments, the business alert rules include marketing expenditure alert rules; the process by which the monitoring module 640 monitors whether a marketing activity meets the set business alert rules based on the marketing ID of the marketing activity is configured as follows: Based on the marketing ID, obtain the corresponding total amount of resources distributed and the value of undistributed resources; The remaining resource occupancy amount of the unissued resources is calculated based on the resource value of the unissued resources. Based on the total amount of resources allocated and the remaining amount of resources occupied, determine whether the marketing campaign complies with the marketing consumption early warning rules.

[0146] In some embodiments, the business alert rules include marketing expenditure alert rules; the process by which the monitoring module 640 monitors whether a marketing activity meets the set business alert rules based on the marketing ID of the marketing activity is configured as follows: Obtain the total amount of resources distributed corresponding to the marketing ID within a first set time period and the total amount of resources distributed within a second set time period; the first set time period and the second set time period have the same duration; Based on the first total amount distributed and the second total amount distributed, monitor whether the marketing campaign complies with the marketing consumption early warning rules.

[0147] In some embodiments, the business alert rules include marketing reimbursement alert rules; the process by which the monitoring module 640 monitors whether a marketing activity meets the set business alert rules based on the marketing ID of the marketing activity is configured as follows: Obtain the first total redemption amount of the redeemed resources corresponding to the marketing ID within a third set time period and the second total redemption amount within a fourth set time period; the third set time period and the fourth set time period have the same duration; Based on the first total write-off amount and the second total write-off amount, monitor whether the marketing activities comply with the marketing write-off early warning rules.

[0148] In some embodiments, both the first total write-off amount and the second total write-off amount include the write-off limit and the write-off quantity; The monitoring module 640, based on the first total reimbursement amount and the second total reimbursement amount, monitors whether the marketing activity complies with the marketing reimbursement early warning rules. This process is configured as follows: Calculate the fluctuation range of the credit limit between the first write-off limit and the second write-off limit; Calculate the fluctuation range of the quantity between the first and second write-off quantities; If the fluctuation range of the credit limit is greater than the set credit limit fluctuation threshold, and the fluctuation range of the quantity is greater than the set quantity fluctuation threshold, the corresponding marketing is determined to meet the marketing reimbursement warning rule.

[0149] In some embodiments, the risk control device 600 may further include: The noise reduction module is configured as follows: If the marketing to be warned includes a first marketing campaign that meets the timeliness warning rules, the timeliness risk marker of the unissued non-claimable type resources corresponding to the first marketing campaign is removed to obtain the updated first marketing campaign; wherein, non-claimable type is used to characterize the type of resource whose issuance does not require user claiming behavior to trigger; and / or If the marketing to be warned includes a second marketing campaign that meets the marketing consumption warning rules, the marketing consumption risk flag of the unissued non-claimable type resources corresponding to the second marketing campaign is cleared to obtain the updated second marketing campaign; wherein, non-claimable type is used to characterize the type of resource whose issuance does not require user claiming behavior to trigger; and / or In the event of an abnormal marketing status for the second marketing campaign, update the risk flag for the second marketing campaign to a no-activity-spending risk flag; and / or If the remaining resource allocation amount corresponding to the second marketing campaign is less than the set resource threshold, the risk flag of the second marketing campaign will be updated to a risk flag indicating no activity consumption; and / or Upon receiving feedback that the second marketing campaign does not require prior warning, update the risk flag of the second marketing campaign to a no-activity-cost risk flag; and / or If the marketing to be warned includes a third marketing that meets the marketing reimbursement warning rules, and the second reimbursement amount or the second reimbursement total amount corresponding to the third marketing is zero, obtain the last usage period of the resources associated with the third marketing; if the last usage period of the resources associated with the third marketing does not exceed the end time of the fourth set time period, update the risk label of the third marketing to a no marketing reimbursement risk label.

[0150] In some embodiments, the process by which the early warning module 650 outputs an early warning message for the resource account to be warned is configured as follows: The display interface shows the resource account to be warned, its warning message, and operation controls corresponding to each warning message. The operation controls include an invalid control to indicate that the target risk indicated by the warning message is invalid, a follow-up control to indicate that the target risk is being followed up, and a confirmation control to indicate that the target risk has been repaired. Upon receiving an instruction triggered by the invalid control, the status of the corresponding target risk is marked as completed and invalid; Upon receiving an instruction triggered by the follow-up control, an input box is displayed for inputting the reason for the occurrence of the corresponding target risk, and the content obtained from the input box is marked as the corresponding target risk, and the status of the corresponding target risk is marked as being processed; Upon receiving an instruction triggered by the confirmation control, the status of the corresponding target risk is marked as completed and valid.

[0151] In some embodiments, the risk control device 600 may further include: The display module is configured to: upon receiving an instruction to view the data relationship graph of a target object, invoke the data structure model to which the target object belongs to render the data relationship graph and display it through the display interface; the target object includes at least one of the following: resource provider name, resource account.

[0152] In some embodiments, the acquisition module 610 is configured to acquire marketing data from the multiple platforms according to a set monitoring period; correspondingly, the risk control device 600 may further include: The update module is configured as follows: If at least one of the resource data and resource supplier data extracted from marketing data in this monitoring cycle differs from that in the previous monitoring cycle, the new data in the resource data and resource supplier data that differs from that in the previous monitoring cycle will be updated in the corresponding data structure model; and / or If the risks indicated by the early warning messages based on marketing data processing in this monitoring cycle are different from those in the previous monitoring cycle, the risks that existed in the previous monitoring cycle but not in this monitoring cycle will be marked as invalid, and the current risks will be updated to include the risks processed in this monitoring cycle.

[0153] For ease of description, the above devices are described by dividing them into various modules or units based on their functions. Of course, when implementing one or more of these specifications, the functions of each module or unit can be implemented in the same or different software and / or hardware, or a module that performs the same function can be implemented by a combination of multiple sub-modules or sub-units, etc. The device embodiments described above are merely illustrative. For example, the division of units is only a logical functional division; in actual implementation, there may be other division methods. For example, multiple units or components may be combined or integrated into another system, or some features may be ignored or not executed.

[0154] Based on the same concept as the methods described above, this specification also provides an electronic device, including: a processor; a memory for storing processor-executable instructions; wherein the processor performs the steps of the method as described in any of the above embodiments by executing the executable instructions.

[0155] Based on the same concept as the methods described above, this specification also provides a computer-readable storage medium having computer instructions stored thereon that, when executed by a processor, implement the steps of the methods as described in any of the above embodiments.

[0156] Based on the same concept as the methods described above, this specification also provides a computer program product, including a computer program / instructions that, when executed by a processor, implement the steps of the methods as described in any of the above embodiments.

[0157] What those skilled in the art will understand is: In this specification, the terms "comprising," "including," or any other variations thereof are intended to cover a non-exclusive inclusion, such that a process, method, product, or apparatus that comprises a list of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such a process, method, product, or apparatus. Without further limitation, the presence of additional identical or equivalent elements in a process, method, product, or apparatus that includes said elements is not excluded.

[0158] In this specification, “a,” “an,” and “the” do not specifically refer to the singular, but may also include the plural.

[0159] In this specification, ordinal numbers such as "first," "second," etc., do not necessarily indicate order; they are often used to distinguish between objects. For example, "first server" and "second server" usually refer to two servers. To differentiate between these two servers, they are described as "first server" and "second server." Of course, sometimes these two servers may be the same server.

[0160] In this specification, unless explicitly stated otherwise, "receiving and sending data" does not necessarily mean direct receiving and sending; it can also mean indirect receiving and sending. For example, A receiving data sent by B can be understood as A directly receiving the data sent by B, or it can be understood as A indirectly receiving the data sent by B through other entities such as C. Similarly, B sending data to A can be understood as B sending the data directly to A, or it can be understood as B indirectly sending the data to A through other entities such as C. Here, C can be one entity, or it can be two or more entities.

[0161] In this specification, unless explicitly stated otherwise, the relationships between structures can be direct or indirect. For example, when describing "A is connected to B," unless it is explicitly stated that A and B are directly connected, it should be understood that A can be directly connected to B or indirectly connected to B. Similarly, when describing "A is on top of B," unless it is explicitly stated that A is directly above B (AB is adjacent and A is above B), it should be understood that A can be directly above B or indirectly above B (AB is separated by other elements, and A is above B). And so on.

[0162] This specification uses specific terms to describe embodiments thereof. Terms such as "an embodiment," "one embodiment," and / or "some embodiments" refer to a particular feature, structure, or characteristic associated with at least one embodiment of this specification. Therefore, it should be emphasized and noted that references to "an embodiment," "some embodiments," or "an alternative embodiment" in different locations throughout this specification do not necessarily refer to the same embodiment. Furthermore, those skilled in the art can combine and integrate the different embodiments or examples described herein, as well as the features of those different embodiments or examples, without contradiction.

[0163] Although one or more embodiments of this specification provide method steps as described in the embodiments or flowcharts, it is understood that the order of steps listed in the embodiments or flowcharts is only one of many possible execution orders and does not represent the only execution order. Therefore, when the claims involve method steps, any changes or adjustments to the order of such steps, or the parallelism between steps, are also within the scope of protection of the claims.

Claims

1. A risk prevention and control method, characterized in that, include: Acquire marketing data from multiple platforms; a platform includes at least one marketing campaign, a marketing campaign is used to distribute at least one resource, a resource is associated with a resource account, and a resource account can be used to support multiple resources of multiple marketing campaigns on multiple platforms; From the marketing data, resource data and resource supplier data carried by each resource are extracted; the resource data includes resource ID and marketing ID, and the resource supplier data includes the account ID of the resource account; A data structure model is constructed that corresponds one-to-one with each account ID, and each account ID, along with its corresponding resource ID and marketing ID, is stored in the corresponding data structure model. The data structure model includes a first-level node, at least one second-level node, and at least one third-level node connected in sequence. The number of second-level nodes is the same as the number of resource IDs associated with the corresponding account ID. The account ID is stored in the first-level node, and the resource ID and its corresponding marketing ID are stored in the second-level and third-level nodes that are connected in sequence. For each account ID, based on the data structure model to which the account ID belongs, monitor whether the resource account of the account ID meets the set resource early warning rules; If the monitoring detects a resource account that meets the aforementioned resource warning rules and is subject to warning, a warning message for that resource account will be output.

2. The method according to claim 1, characterized in that, The resource supplier data also includes the resource supplier name, resource supplier ID, remaining resource amount of the supplier, and the account name and remaining resource amount of the resource account; the resource supplier ID is associated with at least one account ID; the resource data also includes the resource name and remaining resource amount associated with the resource ID, and the marketing name and remaining resource amount associated with the marketing ID. The data structure model also includes a parent node; the parent node is used to store the resource supplier name, the resource supplier ID, and the remaining resource amount of the supplier, and the parent node is connected to the first-level node where the account ID associated with the resource supplier ID is located; the first-level node is also used to store the account name associated with the account ID and the remaining resource amount of the account; the second-level node is also used to store the resource name associated with the resource ID and the remaining resource allocation amount; the third-level node is also used to store the marketing name associated with the marketing ID and the remaining resource allocation amount.

3. The method according to claim 1, characterized in that, The resource data also includes the total amount of resources issued associated with the marketing ID, as well as the resource value, resource type, and resource status associated with the resource ID; the resource supplier data also includes the remaining account resources of the resource account; wherein, the resource type includes a first type used to represent the account resource quota occupied after issuance, and a second type used to represent the account resource quota not occupied after issuance but occupied after cancellation; the resource status includes unissued and cancelled. The resource early warning rules include resource occupancy early warning rules; the step of monitoring whether the resource account of the account ID meets the set early warning rules according to the data structure model to which the account ID belongs includes: Based on the marketing IDs stored in the data structure model to which the account IDs belong, extract the resource value of the unissued first type of resources and the resource value of the cancelled second type of resources associated with each marketing ID; For each marketing ID, the first cumulative remaining amount is calculated based on the resource value of the corresponding unissued first type of resources, and the cumulative resource consumption amount is calculated based on the resource value of the corresponding written-off second type of resources. The second cumulative remaining amount for each marketing ID is calculated based on the total amount of resources allocated and the cumulative amount of resources consumed for each marketing ID. Sum all the calculated first cumulative surpluses and all the second cumulative surpluses to obtain the total marketing surplus; If the total remaining marketing balance is greater than the remaining account resources of the account ID, then the resource account of the account ID is determined to meet the resource occupancy warning rule.

4. The method according to claim 1, characterized in that, The resource supplier data also includes the remaining resource balance of the resource account; the first-level node where the account ID is located also stores the corresponding remaining account resource balance; The resource early warning rules include resource consumption early warning rules; the step of monitoring whether the resource account of the account ID meets the set early warning rules according to the data structure model to which the account ID belongs includes: Based on the data structure model to which the account ID belongs, extract the remaining account resources for the account ID; Based on the remaining account resources of the account ID and the set balance threshold, determine whether the resource account corresponding to the account ID meets the resource consumption warning rule.

5. The method according to claim 1, characterized in that, The method further includes: For each marketing campaign, monitor whether the campaign meets the set business early warning rules based on the marketing ID of the campaign. If the monitoring detects a marketing activity that meets the aforementioned business warning rules and is subject to warning, a warning message for that marketing activity will be output.

6. The method according to claim 5, characterized in that, The business early warning rules include time-sensitive early warning rules; The step of monitoring whether a marketing activity meets the set business alert rules based on the marketing ID of the marketing activity includes: Retrieve the marketing configuration data corresponding to the marketing ID; Based on the marketing configuration data, obtain the remaining usage period and status information of the unissued resources and target groups corresponding to the marketing ID; If the unallocated resources or the remaining usage period of the target group is less than a set time limit threshold, or if the status information of the unallocated resources or the target group is abnormal, the marketing is determined to meet the timeliness warning rules.

7. The method according to claim 5, characterized in that, The business early warning rules include marketing expenditure early warning rules; The step of monitoring whether a marketing activity meets the set business alert rules based on the marketing ID of the marketing activity includes: Based on the marketing ID, obtain the corresponding total amount of resources distributed and the value of undistributed resources; The remaining resource occupancy amount of the unissued resources is calculated based on the resource value of the unissued resources. Based on the total amount of resources allocated and the remaining amount of resources occupied, determine whether the marketing campaign complies with the marketing consumption early warning rules.

8. The method according to claim 5 or 7, characterized in that, The business early warning rules include marketing expenditure early warning rules; The step of monitoring whether a marketing activity meets the set business alert rules based on the marketing ID of the marketing activity includes: Obtain the total amount of resources distributed corresponding to the marketing ID within a first set time period and the total amount of resources distributed within a second set time period; the first set time period and the second set time period have the same duration; Based on the first total amount distributed and the second total amount distributed, monitor whether the marketing campaign complies with the marketing consumption early warning rules.

9. The method according to claim 5, characterized in that, The business early warning rules include marketing reimbursement early warning rules; The step of monitoring whether a marketing activity meets the set business alert rules based on the marketing ID of the marketing activity includes: Obtain the first total redemption amount of the redeemed resources corresponding to the marketing ID within a third set time period and the second total redemption amount within a fourth set time period; the third set time period and the fourth set time period have the same duration; Based on the first total write-off amount and the second total write-off amount, monitor whether the marketing activities comply with the marketing write-off early warning rules.

10. The method according to claim 9, characterized in that, Both the first total write-off amount and the second total write-off amount include the write-off limit and the write-off quantity; The step of monitoring whether the marketing campaign complies with the marketing reimbursement early warning rules based on the first reimbursement total and the second reimbursement total includes: Calculate the fluctuation range of the credit limit between the first write-off limit and the second write-off limit; Calculate the fluctuation range of the quantity between the first and second write-off quantities; If the fluctuation range of the credit limit is greater than the set credit limit fluctuation threshold, and the fluctuation range of the quantity is greater than the set quantity fluctuation threshold, the corresponding marketing is determined to meet the marketing reimbursement warning rule.

11. The method according to claim 6, characterized in that, The marketing to be warned includes a first marketing campaign that meets the timeliness warning rules. Before the step of outputting the warning message corresponding to the marketing to be warned, the method further includes: Remove the time-sensitive risk markers of the unissued non-claimable type resources corresponding to the first marketing campaign to obtain the updated first marketing campaign; wherein, the non-claimable type is used to represent the type of resource whose issuance does not require user claiming behavior to trigger.

12. The method according to claim 8, characterized in that, The marketing to be warned includes a second marketing campaign that meets the marketing expenditure warning rules; before the step of outputting the warning message for the marketing to be warned, the method further includes: Remove the marketing consumption risk flag for the unissued non-claimable type resources corresponding to the second marketing campaign to obtain the updated second marketing campaign; wherein, non-claimable type is used to characterize the type of resource whose issuance does not require user claiming behavior; and / or In the event of an abnormal marketing status for the second marketing campaign, update the risk flag for the second marketing campaign to a no-activity-spending risk flag; and / or If the remaining resource allocation amount corresponding to the second marketing campaign is less than the set resource threshold, the risk flag of the second marketing campaign will be updated to a risk flag indicating no activity consumption; and / or Upon receiving feedback that the second marketing campaign does not require warning, the risk flag for the second marketing campaign will be updated to a risk flag indicating no activity consumption.

13. The method according to claim 10, characterized in that, The marketing to be warned includes third-party marketing that conforms to the marketing reimbursement warning rules; before the step of outputting the warning message for the marketing to be warned, the method further includes: If the second redemption limit or the second redemption total amount corresponding to the third marketing is zero, obtain the final usage period of the resources associated with the third marketing; If the last usage period of the resource associated with the third marketing does not exceed the end time of the fourth set time period, the risk label of the third marketing will be updated to a no-marketing-redeem-risk label.

14. The method according to any one of claims 1-7 and 9-13, characterized in that, The step of outputting the warning message for the resource account to be warned includes: The display interface shows the resource account to be warned, its warning message, and operation controls corresponding to each warning message. The operation controls include an invalid control to indicate that the target risk indicated by the warning message is invalid, a follow-up control to indicate that the target risk is being followed up, and a confirmation control to indicate that the target risk has been repaired. Upon receiving an instruction triggered by the invalid control, the status of the corresponding target risk is marked as completed and invalid; Upon receiving an instruction triggered by the follow-up control, an input box is displayed for inputting the reason for the occurrence of the corresponding target risk, and the content obtained from the input box is marked as the corresponding target risk, and the status of the corresponding target risk is marked as being processed; Upon receiving an instruction triggered by the confirmation control, the status of the corresponding target risk is marked as completed and valid.

15. The method according to any one of claims 1-7 and 9-13, characterized in that, The method further includes: Upon receiving an instruction to view the data relationship graph of the target object, the data structure model to which the target object belongs is invoked to render the data relationship graph, which is then displayed through the display interface; the target object includes at least one of the following: resource provider name, resource account.

16. The method according to any one of claims 1-7 and 9-13, characterized in that, The method further includes: Acquire marketing data from the multiple platforms according to the set monitoring cycle; If at least one of the resource data and resource supplier data extracted from marketing data in this monitoring cycle is different from that in the previous monitoring cycle, the new data in the resource data and resource supplier data that are different from those in the previous monitoring cycle will be updated into the corresponding data structure model.

17. The method according to claim 16, characterized in that, The method further includes: If the risks indicated by the early warning messages based on marketing data processing in this monitoring cycle are different from those in the previous monitoring cycle, the risks that existed in the previous monitoring cycle but not in this monitoring cycle will be marked as invalid, and the current risks will be updated to include the risks processed in this monitoring cycle.

18. An electronic device, characterized in that, include: processor; A memory for storing processor-executable instructions; wherein the processor implements the steps of the method as described in any one of claims 1-17 by executing the executable instructions.

19. A computer-readable storage medium, characterized in that, It stores computer instructions that, when executed by a processor, implement the steps of the method as described in any one of claims 1-17.

20. A computer program product, characterized in that, Includes a computer program that, when executed by a processor, implements the steps of the method as described in any one of claims 1-17.

Images