CN111260463A - Selection method and device for capital supervision bank - Google Patents
Selection method and device for capital supervision bank Download PDFInfo
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Abstract
The embodiment of the invention provides a selection method and a device for a fund supervision bank, wherein the method comprises the following steps: acquiring element information and payee information provided by a user; the element information is service information which needs to be provided when the user carries out fund escrow; preprocessing the element information and the information of the payee, and inputting the characteristic values obtained by preprocessing and respectively corresponding to the element information and the information of the payee into a preset matching bank model; and if the output result of the preset matched bank model is a bank, taking the bank as a target bank for carrying out fund supervision on the user. The device performs the above method. The selection method and the device for the fund supervision bank provided by the embodiment of the invention are beneficial for a customer to find a bank suitable for the customer to supervise the fund, and are also convenient for the bank to more and better develop the fund supervision business.
Description
Technical Field
The invention relates to the technical field of data processing, in particular to a selection method and a selection device for a fund supervision bank.
Background
When a customer (i.e. a user) conducts a house property transaction, the capital supervision in the house property field is usually required, at present, a single bank independently provides the capital supervision service for the customer, the customer cannot independently select the bank for conducting the capital supervision service, and if the data provided by the customer does not meet the conditions of the bank, the capital supervision cannot be conducted, so that the capital delivery risk of the customer is caused. Because the number of banks collaborated by real estate agency is limited, the selection range of customers is very narrow, which is not beneficial for customers to find out the bank suitable for the customers to supervise funds, and the banks are not convenient for more and better to develop the fund supervision business.
Disclosure of Invention
Aiming at the problems in the prior art, the embodiment of the invention provides a selection method and a device for a fund supervision bank.
The embodiment of the invention provides a selection method of a fund supervision bank, which comprises the following steps:
acquiring element information and payee information provided by a user; the element information is service information which needs to be provided when the user carries out fund escrow;
preprocessing the element information and the information of the payee, and inputting the characteristic values obtained by preprocessing and respectively corresponding to the element information and the information of the payee into a preset matching bank model; the preset matching bank model comprises corresponding relations between preset characteristic values and preset banks, wherein the preset characteristic values correspond to the element information and the information of the payee respectively;
and if the output result of the preset matched bank model is a bank, taking the bank as a target bank for carrying out fund supervision on the user.
The pre-establishing of the preset matching bank model comprises the following steps:
determining cooperative banks cooperating with the mediator and acquiring fund supervision data provided by all the cooperative banks;
carrying out data docking between all fund supervision data and the mediator; wherein the data docking at least comprises account system docking, fund interaction docking and financial checking;
determining preset fund supervision data corresponding to a preset bank according to the unified fund supervision data obtained after data docking;
and establishing a corresponding relation between the preset characteristic value and a preset bank according to the preset fund supervision data and the preset characteristic values respectively corresponding to the element information and the information of the payee so as to establish the preset matching bank model.
The selection method of the fund supervision bank further comprises the following steps:
if the output result is a plurality of banks, bank information corresponding to each bank and value added service information provided by each bank are obtained;
and comparing all the bank information with all the value added service information, and determining a target bank for carrying out fund supervision on the user according to the comparison result.
Wherein, the determining a target bank for fund supervision of the user according to the comparison result comprises:
comparing all the bank information, and determining n banks with the first preset evaluation parameter ranking at the front as candidate banks; the first preset evaluation parameter at least comprises a management asset amount and/or a wind control index parameter;
comparing all the value-added service information in all the candidate banks, and determining one candidate bank with the second preset evaluation parameter ranked in the front as the target bank; the second preset evaluation parameter at least comprises the number of the value-added service items and/or the weighing value of at least one value-added service.
The selection method of the fund supervision bank further comprises the following steps:
and according to the selected target bank, carrying out bank instruction butt joint to realize fund transfer.
Wherein the element information includes at least: user identity information and administrative fund types.
Wherein the payee information comprises at least: whether there is an agent, whether there is a multi-person payment, whether there is a multi-person collection, whether there is an agent payment, and whether there is an agent collection.
The embodiment of the invention provides a selection device for a fund supervision bank, which comprises:
the acquiring unit is used for acquiring element information and payee information provided by a user; the element information is service information which needs to be provided when the user carries out fund escrow;
the input unit is used for preprocessing the element information and the information of the payee, and inputting the characteristic values obtained by preprocessing and respectively corresponding to the element information and the information of the payee into a preset matching bank model; the preset matching bank model comprises corresponding relations between preset characteristic values and preset banks, wherein the preset characteristic values correspond to the element information and the information of the payee respectively;
and the selecting unit is used for taking the bank as a target bank for carrying out fund supervision on the user if the output result of the preset matching bank model is judged to be known as the bank.
An embodiment of the present invention provides an electronic device, including: a memory, a processor, and a computer program stored on the memory and executable on the processor, wherein,
the processor, when executing the program, implements the method steps of:
acquiring element information and payee information provided by a user; the element information is service information which needs to be provided when the user carries out fund escrow;
preprocessing the element information and the information of the payee, and inputting the characteristic values obtained by preprocessing and respectively corresponding to the element information and the information of the payee into a preset matching bank model; the preset matching bank model comprises corresponding relations between preset characteristic values and preset banks, wherein the preset characteristic values correspond to the element information and the information of the payee respectively;
and if the output result of the preset matched bank model is a bank, taking the bank as a target bank for carrying out fund supervision on the user.
An embodiment of the invention provides a non-transitory computer readable storage medium having a computer program stored thereon, which when executed by a processor implements the following method steps:
acquiring element information and payee information provided by a user; the element information is service information which needs to be provided when the user carries out fund escrow;
preprocessing the element information and the information of the payee, and inputting the characteristic values obtained by preprocessing and respectively corresponding to the element information and the information of the payee into a preset matching bank model; the preset matching bank model comprises corresponding relations between preset characteristic values and preset banks, wherein the preset characteristic values correspond to the element information and the information of the payee respectively;
and if the output result of the preset matched bank model is a bank, taking the bank as a target bank for carrying out fund supervision on the user.
The selection method and the device for the fund supervision bank provided by the embodiment of the invention integrate the user information and the bank information through the preset matching bank model, and further output the target bank for fund supervision on the user through the model, thereby being beneficial to the customer to find the bank suitable for the customer to supervise the fund, and being convenient for the bank to more and better develop the fund supervision business.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, and it is obvious that the drawings in the following description are some embodiments of the present invention, and those skilled in the art can also obtain other drawings according to the drawings without creative efforts.
FIG. 1 is a flow chart of an embodiment of a method of selecting a funds administration bank of the present invention;
FIG. 2 is a schematic structural diagram of an embodiment of a selection device of a fund supervision bank according to the present invention;
fig. 3 is a schematic structural diagram of an electronic device according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some, but not all, embodiments of the present invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Fig. 1 is a flowchart of a selection method of a fund supervision bank according to an embodiment of the present invention, and as shown in fig. 1, the selection method of the fund supervision bank according to the embodiment of the present invention includes the following steps:
s101: acquiring element information and payee information provided by a user; the element information is service information which needs to be provided when the user conducts fund escrow.
Specifically, acquiring element information and payee information provided by a user; the element information is service information which needs to be provided when the user conducts fund escrow. The method steps may be performed by a computer device, in particular a server. The user is the client who commissions the bank to provide fund supervision. The element information may include user identity information and a regulatory fund type, wherein the user identity information may include a name, a occupation, an identification number, and the like. The regulatory fund types may include fixed amounts, repayment, and the like. The payee information may include: whether there is an agent, whether there is a multi-person payment, whether there is a multi-person collection, whether there is an agent payment, and whether there is an agent collection. The information that the user needs to provide when selecting the bank for fund supervision is obtained, and the information is not limited to the element information and the information of the payee.
S102: preprocessing the element information and the information of the payee, and inputting the characteristic values obtained by preprocessing and respectively corresponding to the element information and the information of the payee into a preset matching bank model; the preset matching bank model comprises corresponding relations between preset characteristic values and preset banks, wherein the preset characteristic values correspond to the element information and the information of the payee respectively.
Specifically, the element information and the information of the payee are preprocessed, and the feature values obtained by preprocessing and respectively corresponding to the element information and the information of the payee are input into a preset matching bank model; the preset matching bank model comprises corresponding relations between preset characteristic values and preset banks, wherein the preset characteristic values correspond to the element information and the information of the payee respectively. The pretreatment may specifically include: and acquiring characteristic values corresponding to the element information and the information of the payee, and further comprising conventional preprocessing steps such as data cleaning. With reference to the above examples: for the user identity information, each sub item is respectively corresponding to a characteristic value a1, a2 …, and for the type of the administrative funds, each sub item is respectively corresponding to a characteristic value b1, b2 …; for the payee information, each sub-item therein corresponds to a characteristic value c1, c2 … respectively.
Or after the characteristic values are combined into the characteristic vector, the characteristic vector is input into a preset matching bank model. For example: a1 ═ 1, a2 ═ 1, …, an ═ 1; b1 ═ 1, b2 ═ 1, …, bn ═ 1; c1 ═ 1, c2 ═ 1, …, cn ═ 1, and other values may correspond to the predetermined bank a and predetermined bank B, and so on.
S103: and if the output result of the preset matched bank model is a bank, taking the bank as a target bank for carrying out fund supervision on the user.
Specifically, if the output result of the preset matching bank model is a bank, the bank is used as a target bank for fund supervision of the user. It can be understood that the combination of the different preset characteristic values may correspond to the same preset bank, and therefore, the output result may also be multiple banks, and in the case that the output result is one bank, the one bank may be directly used as a target bank for fund supervision of the user.
The selection method of the fund supervision bank provided by the embodiment of the invention integrates the user information and the bank information through the preset matching bank model, and further outputs the target bank for fund supervision on the user through the model, so that the selection method is beneficial for the client to find the bank suitable for the client to supervise the fund, and is also convenient for the bank to more and better develop the fund supervision business.
On the basis of the above embodiment, the pre-establishing of the preset matching bank model includes:
specifically, a cooperative bank cooperating with the mediator is determined, and fund supervision data provided by all the cooperative banks is acquired. The mediating party may be a real estate mediating party, i.e. a developer performing the method in the above-mentioned server. It will be appreciated that each cooperating bank provides funds administration material corresponding to each.
Specifically, data interfacing between all fund supervision data and the mediator is carried out; wherein the data interfacing at least comprises account system interfacing, fund interaction interfacing and financial checking. It is understood that, in order to integrate the bank resources, the intermediary needs to interface all the fund supervision materials according to a unified standard, and the account system interface, the fund interaction interface and the financial check are specific data items of the data interface and are not particularly limited.
Specifically, the preset fund supervision data corresponding to the preset bank is determined according to the unified fund supervision data obtained after data docking. The unified funds administration profile may specifically include a format, a nomenclature unification, and the like. Each cooperative bank is used as one of the preset banks, and correspondingly, the preset fund supervision data can be fund supervision data with unified format and professional terminology.
Specifically, according to the preset fund supervision data and preset characteristic values respectively corresponding to the element information and the payee information, a corresponding relation between the preset characteristic values and a preset bank is established so as to establish the preset matching bank model. The preset characteristic value corresponding to the element information and the information of the payee can be determined according to the requirements of the element information and the information of the payee in the preset fund supervision data, and the preset fund supervision data and the preset bank are in one-to-one correspondence, so that the correspondence is established.
The corresponding relation can be established by using an artificial intelligence algorithm, namely the preset matching bank model is established.
The selection method of the fund supervision bank provided by the embodiment of the invention further ensures that the customer finds the bank suitable for the customer to supervise the fund by establishing the preset matching bank model in advance, and is also convenient for the bank to more and better develop the fund supervision business.
On the basis of the above embodiment, the selection method of the fund supervision bank further includes:
specifically, if the output result is a plurality of banks, bank information corresponding to each bank and value added service information provided by each bank are obtained. The bank information may include management asset amounts and/or wind control index parameters, etc., wherein the wind control index parameters may include bad bill rates, etc. The value added service information may include the number of value added service items and/or a value measure of at least one value added service, wherein the value measure of the value added service may be determined according to the content of a specific value added service, such as a value of rebate and a point value.
Specifically, all the bank information and all the value added service information are compared, and a target bank for monitoring the fund of the user is determined according to the comparison result. The method specifically comprises the following steps:
comparing all the bank information, and determining n banks with the first preset evaluation parameter ranking at the front as candidate banks; the first preset evaluation parameter at least comprises a management asset amount and/or a wind control index parameter; the specific value of n may be set autonomously according to an actual situation, for example, 3, that is, the first 3 banks in the managed asset amount ranking (which may be in the order of managed asset amounts from large to small) may be selected as candidate banks, or the first 3 banks in the wind control indicator parameter ranking (which may be in the order of bad account rates from small to large) may be selected as candidate banks, or the first 3 banks may be determined as candidate banks by comprehensively considering the managed asset amount and the wind control indicator parameters, where the comprehensive consideration may be implemented by setting corresponding weight values for the managed asset amount and the wind control indicator parameters, respectively.
Comparing all the value-added service information in all the candidate banks, and determining one candidate bank with the second preset evaluation parameter ranked in the front as the target bank; the second preset evaluation parameter at least comprises the number of the value-added service items and/or the weighing value of at least one value-added service. Namely, the previous bank in the value added service item ranking (which can be in the order of the value added service item number from large to small) can be selected as a target bank, or the previous bank in the value added service item ranking (which can be in the order of the rebate value from large to small) can be selected as a candidate bank, or the previous bank can be determined as the target bank by comprehensively considering the value added service item number and the value added of at least one value added service, wherein the comprehensive consideration can be realized by respectively setting corresponding weight values for the value added service item number and the value added service of at least one value added service.
The selection method of the fund supervision bank provided by the embodiment of the invention can be used for preferably selecting a target bank in a more targeted manner.
On the basis of the above embodiment, the determining a target bank that supervises the fund of the user according to the comparison result includes:
specifically, comparing all bank information, and determining n banks with the first preset evaluation parameter ranking at the front as candidate banks; the first preset evaluation parameter at least comprises a management asset amount and/or a wind control index parameter; reference is made to the above description and no further description is made.
Specifically, all value-added service information is compared in all candidate banks, and a candidate bank with a second preset evaluation parameter ranking in front is determined as the target bank; the second preset evaluation parameter at least comprises the number of the value-added service items and/or the weighing value of at least one value-added service. Reference is made to the above description and no further description is made.
The selection method of the fund supervision bank provided by the embodiment of the invention can better give consideration to the risk and benefits of the platform provider and can preferably select a target bank in a targeted manner.
On the basis of the above embodiment, the selection method of the fund supervision bank further includes:
specifically, according to the selected target bank, bank instruction butt joint is carried out, and fund transfer is realized. That is, the transfer of funds is achieved through interaction between the server of the intermediary party and the target bank, for example, the funds are escrowed to the target bank.
The selection method of the fund supervision bank provided by the embodiment of the invention effectively realizes the transfer of the fund, thereby being capable of developing the fund supervision business.
On the basis of the above embodiment, specifically, the element information at least includes: user identity information and administrative fund types. Reference is made to the above description and no further description is made.
The selection method of the fund supervision bank provided by the embodiment of the invention is beneficial to a client to find a bank suitable for the client to supervise the fund by further improving the user information, is also convenient for the bank to more and better develop the fund supervision business.
On the basis of the above embodiment, specifically, the payee information at least includes: whether there is an agent, whether there is a multi-person payment, whether there is a multi-person collection, whether there is an agent payment, and whether there is an agent collection. Reference is made to the above description and no further description is made.
The selection method of the fund supervision bank provided by the embodiment of the invention is beneficial to a client to find a bank suitable for the client to supervise the fund by further improving the user information, is also convenient for the bank to more and better develop the fund supervision business.
Fig. 2 is a schematic structural diagram of an embodiment of a selection apparatus of a fund supervision bank according to the present invention, and as shown in fig. 2, an embodiment of the present invention provides a selection apparatus of a fund supervision bank, including an obtaining unit 201, an input unit 202, and a selection unit 203, where:
the acquiring unit 201 is used for acquiring element information and payee information provided by a user; the element information is service information which needs to be provided when the user carries out fund escrow; the input unit 202 is configured to preprocess the factor information and the payee information, and input feature values obtained through the preprocessing and corresponding to the factor information and the payee information into a preset matching bank model; the preset matching bank model comprises corresponding relations between preset characteristic values and preset banks, wherein the preset characteristic values correspond to the element information and the information of the payee respectively; the selecting unit 203 is configured to, if it is determined that the output result of the preset matching bank model is one bank, use the one bank as a target bank for performing fund supervision on the user.
Specifically, the acquiring unit 201 is configured to acquire element information and payee information provided by a user; the element information is service information which needs to be provided when the user carries out fund escrow; the input unit 202 is configured to preprocess the factor information and the payee information, and input feature values obtained through the preprocessing and corresponding to the factor information and the payee information into a preset matching bank model; the preset matching bank model comprises corresponding relations between preset characteristic values and preset banks, wherein the preset characteristic values correspond to the element information and the information of the payee respectively; the selecting unit 203 is configured to, if it is determined that the output result of the preset matching bank model is one bank, use the one bank as a target bank for performing fund supervision on the user.
The selection device for the fund supervision bank provided by the embodiment of the invention integrates the user information and the bank information through the preset matching bank model, and further outputs the target bank for fund supervision on the user through the model, so that the selection device is beneficial for the client to find the bank suitable for the client to supervise the fund, and is also convenient for the bank to more and better develop the fund supervision business.
The selection device of the fund supervision bank provided by the embodiment of the present invention may be specifically configured to execute the processing flows of the above method embodiments, and the functions thereof are not described herein again, and reference may be made to the detailed description of the above method embodiments.
Fig. 3 is a schematic structural diagram of an electronic device according to an embodiment of the present invention, and as shown in fig. 3, the electronic device includes: a processor (processor)301, a memory (memory)302, and a bus 303;
the processor 301 and the memory 302 complete communication with each other through a bus 303;
the processor 301 is configured to call program instructions in the memory 302 to perform the methods provided by the above-mentioned method embodiments, including: acquiring element information and payee information provided by a user; the element information is service information which needs to be provided when the user carries out fund escrow; preprocessing the element information and the information of the payee, and inputting the characteristic values obtained by preprocessing and respectively corresponding to the element information and the information of the payee into a preset matching bank model; the preset matching bank model comprises corresponding relations between preset characteristic values and preset banks, wherein the preset characteristic values correspond to the element information and the information of the payee respectively; and if the output result of the preset matched bank model is a bank, taking the bank as a target bank for carrying out fund supervision on the user.
The present embodiment discloses a computer program product comprising a computer program stored on a non-transitory computer readable storage medium, the computer program comprising program instructions which, when executed by a computer, enable the computer to perform the method provided by the above-mentioned method embodiments, for example, comprising: acquiring element information and payee information provided by a user; the element information is service information which needs to be provided when the user carries out fund escrow; preprocessing the element information and the information of the payee, and inputting the characteristic values obtained by preprocessing and respectively corresponding to the element information and the information of the payee into a preset matching bank model; the preset matching bank model comprises corresponding relations between preset characteristic values and preset banks, wherein the preset characteristic values correspond to the element information and the information of the payee respectively; and if the output result of the preset matched bank model is a bank, taking the bank as a target bank for carrying out fund supervision on the user.
The present embodiments provide a non-transitory computer-readable storage medium storing computer instructions that cause the computer to perform the methods provided by the above method embodiments, for example, including: acquiring element information and payee information provided by a user; the element information is service information which needs to be provided when the user carries out fund escrow; preprocessing the element information and the information of the payee, and inputting the characteristic values obtained by preprocessing and respectively corresponding to the element information and the information of the payee into a preset matching bank model; the preset matching bank model comprises corresponding relations between preset characteristic values and preset banks, wherein the preset characteristic values correspond to the element information and the information of the payee respectively; and if the output result of the preset matched bank model is a bank, taking the bank as a target bank for carrying out fund supervision on the user.
Those of ordinary skill in the art will understand that: all or part of the steps for implementing the method embodiments may be implemented by hardware related to program instructions, and the program may be stored in a computer readable storage medium, and when executed, the program performs the steps including the method embodiments; and the aforementioned storage medium includes: various media that can store program codes, such as ROM, RAM, magnetic or optical disks.
The above-described embodiments of the apparatus are merely illustrative, and the units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of the present embodiment. One of ordinary skill in the art can understand and implement it without inventive effort.
Through the above description of the embodiments, those skilled in the art will clearly understand that each embodiment can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware. With this understanding in mind, the above-described technical solutions may be embodied in the form of a software product, which can be stored in a computer-readable storage medium such as ROM/RAM, magnetic disk, optical disk, etc., and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to execute the methods described in the embodiments or some parts of the embodiments.
Finally, it should be noted that: the above examples are only intended to illustrate the technical solution of the present invention, but not to limit it; although the present invention has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; and such modifications or substitutions do not depart from the spirit and scope of the corresponding technical solutions of the embodiments of the present invention.
Claims (10)
1. A method of selecting a funds administration bank, comprising:
acquiring element information and payee information provided by a user; the element information is service information which needs to be provided when the user carries out fund escrow;
preprocessing the element information and the information of the payee, and inputting the characteristic values obtained by preprocessing and respectively corresponding to the element information and the information of the payee into a preset matching bank model; the preset matching bank model comprises corresponding relations between preset characteristic values and preset banks, wherein the preset characteristic values correspond to the element information and the information of the payee respectively;
and if the output result of the preset matched bank model is a bank, taking the bank as a target bank for carrying out fund supervision on the user.
2. The method of selecting a funds administration bank according to claim 1, wherein the pre-establishing of the pre-set matching bank model comprises:
determining cooperative banks cooperating with the mediator and acquiring fund supervision data provided by all the cooperative banks;
carrying out data docking between all fund supervision data and the mediator; wherein the data docking at least comprises account system docking, fund interaction docking and financial checking;
determining preset fund supervision data corresponding to a preset bank according to the unified fund supervision data obtained after data docking;
and establishing a corresponding relation between the preset characteristic value and a preset bank according to the preset fund supervision data and the preset characteristic values respectively corresponding to the element information and the information of the payee so as to establish the preset matching bank model.
3. The method of selecting a funds administration bank of claim 1, further comprising:
if the output result is a plurality of banks, bank information corresponding to each bank and value added service information provided by each bank are obtained;
and comparing all the bank information with all the value added service information, and determining a target bank for carrying out fund supervision on the user according to the comparison result.
4. The method as claimed in claim 3, wherein said determining a target bank for fund administration to the user according to the comparison result comprises:
comparing all the bank information, and determining n banks with the first preset evaluation parameter ranking at the front as candidate banks; the first preset evaluation parameter at least comprises a management asset amount and/or a wind control index parameter;
comparing all the value-added service information in all the candidate banks, and determining one candidate bank with the second preset evaluation parameter ranked in the front as the target bank; the second preset evaluation parameter at least comprises the number of the value-added service items and/or the weighing value of at least one value-added service.
5. The method of selecting a funds administration bank according to any one of claims 1 to 4, further comprising:
and according to the selected target bank, carrying out bank instruction butt joint to realize fund transfer.
6. The method of selecting a funds administration bank according to any one of claims 1 to 4, wherein the factor information includes at least: user identity information and administrative fund types.
7. The method of selecting a funds administration bank according to any one of claims 1 to 4 wherein the payee information includes at least: whether there is an agent, whether there is a multi-person payment, whether there is a multi-person collection, whether there is an agent payment, and whether there is an agent collection.
8. A selection device for a funds administration bank, comprising:
the acquiring unit is used for acquiring element information and payee information provided by a user; the element information is service information which needs to be provided when the user carries out fund escrow;
the input unit is used for preprocessing the element information and the information of the payee, and inputting the characteristic values obtained by preprocessing and respectively corresponding to the element information and the information of the payee into a preset matching bank model; the preset matching bank model comprises corresponding relations between preset characteristic values and preset banks, wherein the preset characteristic values correspond to the element information and the information of the payee respectively;
and the selecting unit is used for taking the bank as a target bank for carrying out fund supervision on the user if the output result of the preset matching bank model is judged to be known as the bank.
9. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the steps of the method according to any of claims 1 to 7 are implemented when the processor executes the program.
10. A non-transitory computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the method according to any one of claims 1 to 7.
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