CN111260463B - Method and device for selecting funds supervision bank - Google Patents

Method and device for selecting funds supervision bank Download PDF

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CN111260463B
CN111260463B CN202010049381.8A CN202010049381A CN111260463B CN 111260463 B CN111260463 B CN 111260463B CN 202010049381 A CN202010049381 A CN 202010049381A CN 111260463 B CN111260463 B CN 111260463B
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bank
information
preset
user
funds
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CN111260463A (en
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陈刚
李茹芳
陈申
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Beijing Lifangtong Payment Technology Co ltd
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Beijing Lifangtong Payment Technology Co ltd
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02Banking, e.g. interest calculation or account maintenance
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q50/00Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
    • G06Q50/10Services
    • G06Q50/16Real estate

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Abstract

The embodiment of the invention provides a method and a device for selecting 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 business information which is required to be provided when the user carries out fund escrow; preprocessing the element information and the payee information, and inputting the feature values respectively corresponding to the element information and the payee information obtained by preprocessing into a preset matching bank model; and if the output result of the preset matched bank model is a bank, using the bank as a target bank for carrying out fund supervision on the user. The apparatus performs the above method. The method and the device for selecting the funds monitoring bank are beneficial to the customers to find the bank suitable for the customers to perform funds monitoring, and are also convenient for the banks to perform more and better funds monitoring business.

Description

Method and device for selecting funds supervision bank
Technical Field
The invention relates to the technical field of data processing, in particular to a method and a device for selecting a fund supervision bank.
Background
When a customer (namely a user) performs a house property transaction, the customer generally needs to perform house property field fund supervision, at present, a single bank independently provides fund supervision service for the customer, the customer cannot autonomously select a bank for performing the fund supervision service, and if the data provided by the customer does not meet the conditions of the bank, the fund supervision cannot be performed, so that the customer is at risk of fund delivery. Because the real estate agency has limited cooperative banks, the customer selection range is very narrow, which is not beneficial to the customer to find the banks suitable for the own funds supervision, and the banks are inconvenient to develop more and better funds supervision business.
Disclosure of Invention
Aiming at the problems existing in the prior art, the embodiment of the invention provides a method and a device for selecting 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 business information which is required to be provided when the user carries out fund escrow;
preprocessing the element information and the payee information, and inputting the feature values respectively corresponding to the element information and the payee information obtained by preprocessing 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 payee information respectively;
and if the output result of the preset matched bank model is a bank, using the bank as a target bank for carrying out fund supervision on the user.
The pre-establishing of the preset matched bank model comprises the following steps:
determining a cooperative bank cooperated with the intermediary party, and acquiring fund supervision data provided by all the cooperative banks;
performing data butt joint between all the fund supervision materials and the intermediary party; wherein the data docking at least comprises account system docking, fund interaction docking and financial verification;
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 value corresponding to the element information and the payee information respectively so as to establish the preset matched bank model.
The selection method of the fund supervision bank further comprises the following steps:
if the output result is a plurality of banks, acquiring bank information and value-added service information respectively corresponding to each bank;
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.
The determining a target bank for performing fund supervision on the user according to the comparison result comprises the following steps:
comparing all the bank information, and determining n banks with first preset evaluation parameters ranked at the top as candidate banks; the first preset evaluation parameters at least comprise management asset amount and/or wind control index parameters;
comparing all the value-added service information in all the candidate banks, and determining one candidate bank with the second preset evaluation parameter ranked at the front as the target bank; the second preset evaluation parameter at least comprises the number of value added service items and/or the measurement 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 money transfer.
Wherein the element information at least includes: user identity information and administrative funds types.
Wherein the payee information includes at least: whether there is an agent, whether there is a multi-person payment, whether there is an agent payment, and whether there is an agent payment.
The embodiment of the invention provides a selection device of a fund supervision bank, which comprises the following components:
an acquisition unit configured to acquire element information and payee information provided by a user; the element information is business information which is required to be provided when the user carries out fund escrow;
the input unit is used for preprocessing the element information and the receiver-payer information, and inputting the feature values respectively corresponding to the element information and the receiver-payer information obtained through preprocessing 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 payee information respectively;
and the selection 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 matched bank model is judged to be one 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 performs the following method steps when executing the program:
acquiring element information and payee information provided by a user; the element information is business information which is required to be provided when the user carries out fund escrow;
preprocessing the element information and the payee information, and inputting the feature values respectively corresponding to the element information and the payee information obtained by preprocessing 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 payee information respectively;
and if the output result of the preset matched bank model is a bank, using the bank as a target bank for carrying out fund supervision on the user.
Embodiments of the present invention provide a non-transitory computer readable storage medium having stored thereon a computer program which, when executed by a processor, performs the method steps of:
acquiring element information and payee information provided by a user; the element information is business information which is required to be provided when the user carries out fund escrow;
preprocessing the element information and the payee information, and inputting the feature values respectively corresponding to the element information and the payee information obtained by preprocessing 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 payee information respectively;
and if the output result of the preset matched bank model is a bank, using the bank as a target bank for carrying out fund supervision on the user.
According to the method and the device for selecting the funds monitoring bank, the user information and the bank information are integrated through the preset matched bank model, and then the target bank for performing funds monitoring on the user is output through the model, so that the client can find a bank suitable for performing funds monitoring, and more and better funds monitoring businesses can be conveniently performed by the bank.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions of the prior art, the following description will briefly explain the drawings used in the embodiments or the description of the prior art, and it is obvious that the drawings in the following description are some embodiments of the present invention, and other drawings can be obtained according to these drawings without inventive effort for a person skilled in the art.
FIG. 1 is a flow chart of an embodiment of a method of selecting a funds monitoring bank in accordance with the present invention;
FIG. 2 is a schematic diagram of an embodiment of a selection device for a funds monitoring bank according to the present invention;
fig. 3 is a schematic diagram of an entity structure of an electronic device according to an embodiment of the present invention.
Detailed Description
For the purpose of making the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the technical solutions of the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present invention, and it is apparent that the described embodiments are some embodiments of the present invention, but not all embodiments of the present invention. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.
Fig. 1 is a flowchart of an embodiment of a method for selecting a funds monitoring bank according to the present invention, as shown in fig. 1, and the method for selecting a funds monitoring 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 business information which is required to be provided when the user carries out fund escrow.
Specifically, element information and payee information provided by a user are obtained; the element information is business information which is required to be provided when the user carries out fund escrow. The method steps may be performed by a computer device, in particular a server. The user is the customer who entrusts the bank to provide funds supervision. The element information may include user identity information and a regulatory funds type, where the user identity information may include name, occupation, identification number, and the like. The types of supervision funds may include funding and repayment, and the like. The payee information may include: whether there is an agent, whether there is a multi-person payment, whether there is an agent payment, and whether there is an agent payment. That is, the information that the user needs to provide when selecting the bank of the funds administration is acquired, and is not limited to the above-described element information and the receiver-sender information.
S102: preprocessing the element information and the payee information, and inputting the feature values respectively corresponding to the element information and the payee information obtained by preprocessing 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 payee information respectively.
Specifically, the element information and the receiver-payer information are preprocessed, and the feature values respectively corresponding to the element information and the receiver-payer information obtained through preprocessing 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 payee information respectively. The pretreatment may specifically include: the method for acquiring the characteristic values of the element information and the payee information respectively comprises the conventional preprocessing steps of data cleaning and the like. Reference is made to the above examples: for user identity information, the corresponding characteristic value of each sub-item is a1 and a2 …, and for supervision fund types, the corresponding characteristic value of each sub-item is b1 and b2 …; for the information of the payee, the characteristic value corresponding to each sub item is c1 and c2 ….
The characteristic values can also be input into a preset matching bank model after being formed into characteristic vectors. For example: a1 =1, a2=1, …, an=1; b1 =1, b2=1, …, bn=1; c1 =1, c2=1, …, cn=1 corresponds to preset bank a, other values may correspond to preset bank B, etc.
S103: and if the output result of the preset matched bank model is a bank, using the bank as a target bank for carrying out fund supervision on the user.
Specifically, if the output result of the preset matched bank model is a bank, the bank is used as a target bank for carrying out fund supervision on the user. It can be understood that the combination of different preset feature values can correspond to the same preset bank, so that the output result can also be a plurality of banks, and the bank can be directly used as a target bank for carrying out fund supervision on the user aiming at the condition that the output result is one bank.
According to the method for selecting the funds monitoring bank, the user information and the bank information are integrated through the preset matched bank model, and then the target bank for performing funds monitoring on the user is output through the model, so that the client can find a bank suitable for performing funds monitoring, and more and better funds monitoring businesses can be conveniently performed by the bank.
On the basis of the foregoing embodiment, the pre-establishing of the preset matching bank model includes:
specifically, a cooperative bank cooperating with the intermediary party is determined, and funds supervision data provided by all the cooperative banks are acquired. The intermediary may be an real estate intermediary, i.e. a developer executing the method in the server described above. It will be appreciated that each cooperating bank provides funds administration data corresponding to each.
Specifically, data docking between all the fund supervision materials and the intermediary party is carried out; wherein the data interfacing includes at least account system interfacing, funds interaction interfacing and financial verification. It will be appreciated that, in order to integrate bank resources, the intermediary needs to dock all the funds management materials according to a unified standard, and the account system docking, the funds interaction docking and the financial verification are specific data items of data docking, which are not particularly limited.
Specifically, the preset funds supervision data corresponding to the preset bank is determined according to the unified funds supervision data obtained after the data are docked. The unified funds administration data may specifically include formats, terminology unification, and the like. That is, each partner bank serves as one of the preset banks, and accordingly, the preset funds management data may be funds management data with uniform format and technical terms.
Specifically, according to the preset fund supervision data and preset characteristic values corresponding to the element information and the payee information respectively, a corresponding relation between the preset characteristic values and a preset bank is established so as to establish the preset matching bank model. The method can determine the preset characteristic value corresponding to the information according to the requirements of the preset fund supervision information on the element information and the information of the payee, and the preset fund supervision information 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 method for selecting the funds monitoring bank further ensures that the client finds the bank suitable for performing funds monitoring by himself by pre-establishing the preset matched bank model, and is convenient for banks to perform more and better funds monitoring business.
On the basis of the above embodiment, the method for selecting a funds management bank further includes:
specifically, if the output result is a plurality of banks, the bank information and the value-added service information respectively corresponding to each bank are obtained. The banking information may include management asset amounts and/or wind control index parameters, etc., where the wind control index parameters may include bad account rates, etc. The value added service information may include a number of value added service items and/or a measurement value of at least one value added service, etc., wherein the measurement value of the value added service may be determined according to the content of the specific value added service, such as a value of rebate, a point value, etc.
Specifically, all the bank information and all the value-added service information are compared, and a target bank for carrying out fund supervision on the user is determined according to the comparison result. Specifically, the method comprises the following steps:
comparing all the bank information, and determining n banks with first preset evaluation parameters ranked at the top as candidate banks; the first preset evaluation parameters at least comprise management asset amount and/or wind control index parameters; the specific value of n can be set autonomously according to the actual situation, for example, 3, that is, the first 3 banks in the ranking of the management asset amount (the order of the management asset amount from more to less can be adopted) are used as candidate banks, or the first 3 banks in the ranking of the wind control index parameter (the order of the bad account rate from less to more can be adopted as candidate banks, or the management asset amount and the wind control index parameter can be comprehensively considered to determine the first 3 banks as candidate banks, wherein the comprehensive consideration can be realized by respectively setting the corresponding weight values for the management asset amount and the 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 at the front as the target bank; the second preset evaluation parameter at least comprises the number of value added service items and/or the measurement value of at least one value added service. I.e. the previous bank in the ranking of the number of optional value added services (which may be in the order of the number of value added services from more to less), or the previous bank in the ranking of the measurement value of at least one value added service (which may be in the order of the number of return points from more to less), may be selected as a candidate bank, or the previous bank may be determined by comprehensively considering the number of value added services and the measurement value of at least one value added service, where the comprehensive consideration may be achieved by setting corresponding weight values for the number of value added services and the measurement value of at least one value added service, respectively.
The method for selecting the fund supervision bank can more specifically and preferably select a target bank.
On the basis of the above embodiment, the determining, according to the comparison result, a target bank for performing funds supervision on the user includes:
specifically, comparing all the bank information, and determining n banks with first preset evaluation parameters ranked at the top as candidate banks; the first preset evaluation parameters at least comprise management asset amount and/or wind control index parameters; reference is made to the above description and will not be repeated.
Specifically, in all candidate banks, comparing all value-added service information, and determining one candidate bank with a second preset evaluation parameter ranked at the front as the target bank; the second preset evaluation parameter at least comprises the number of value added service items and/or the measurement value of at least one value added service. Reference is made to the above description and will not be repeated.
The method for selecting the fund supervision bank can better consider the risk and benefit of the platform provider, and a target bank is more pertinently optimized.
On the basis of the above embodiment, the method for selecting a funds management bank further includes:
specifically, according to the selected target bank, bank instruction butt joint is carried out, and money transfer is achieved. I.e. through interaction between the server of the mediating party and the target bank, a transfer of funds is effected, e.g. funds are hosted to the target bank.
The selection method of the fund supervision bank provided by the embodiment of the invention effectively realizes the transfer of funds, thereby being capable of developing the business of fund supervision.
On the basis of the above embodiment, specifically, the element information includes at least: user identity information and administrative funds types. Reference is made to the above description and will not be repeated.
The selection method of the funds management bank provided by the embodiment of the invention is beneficial to the customers to find the banks suitable for the customers to manage the funds by further perfecting the user information, and is also convenient for the banks to better develop more and better funds management business.
On the basis of the above embodiment, specifically, the payee information includes at least: whether there is an agent, whether there is a multi-person payment, whether there is an agent payment, and whether there is an agent payment. Reference is made to the above description and will not be repeated.
The selection method of the funds management bank provided by the embodiment of the invention is beneficial to the customers to find the banks suitable for the customers to manage the funds by further perfecting the user information, and is also convenient for the banks to better develop more and better funds management business.
Fig. 2 is a schematic structural diagram of an embodiment of a selection device of a funds management bank according to the present invention, and as shown in fig. 2, the embodiment of the present invention provides a selection device of a funds management bank, including an obtaining unit 201, an input unit 202, and a selection unit 203, where:
an acquisition unit 201 for acquiring element information and payee information provided by a user; the element information is business information which is required to be provided when the user carries out fund escrow; the input unit 202 is configured to preprocess the element information and the payee information, and input the preprocessed feature values corresponding to the element information and the payee information respectively 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 payee information 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, take the one bank as a target bank for performing funds 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 business information which is required to be provided when the user carries out fund escrow; the input unit 202 is configured to preprocess the element information and the payee information, and input the preprocessed feature values corresponding to the element information and the payee information respectively 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 payee information 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, take the one bank as a target bank for performing funds supervision on the user.
The selection device of the funds management bank integrates the user information and the bank information through the preset matched bank model, and further outputs the target bank for funds management to the user through the model, so that the client can find a bank suitable for funds management, and more and better funds management businesses can be conveniently developed by the bank.
The selecting device of the funds management bank provided by the embodiment of the invention can be specifically used for executing the processing flow of each method embodiment, and the functions of the selecting device are not repeated herein, and can be referred to in the detailed description of the method embodiments.
Fig. 3 is a schematic diagram of an entity structure of an electronic device according to an embodiment of the present invention, as shown in fig. 3, where the electronic device includes: a processor (processor) 301, a memory (memory) 302, and a bus 303;
wherein, the processor 301 and the memory 302 complete communication with each other through the bus 303;
the processor 301 is configured to invoke the program instructions in the memory 302 to perform the methods provided in the above method embodiments, for example, including: acquiring element information and payee information provided by a user; the element information is business information which is required to be provided when the user carries out fund escrow; preprocessing the element information and the payee information, and inputting the feature values respectively corresponding to the element information and the payee information obtained by preprocessing 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 payee information respectively; and if the output result of the preset matched bank model is a bank, using 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, are capable of performing the methods provided by the above-described method embodiments, for example comprising: acquiring element information and payee information provided by a user; the element information is business information which is required to be provided when the user carries out fund escrow; preprocessing the element information and the payee information, and inputting the feature values respectively corresponding to the element information and the payee information obtained by preprocessing 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 payee information respectively; and if the output result of the preset matched bank model is a bank, using the bank as a target bank for carrying out fund supervision on the user.
The present embodiment provides a non-transitory computer-readable storage medium storing computer instructions that cause a computer to perform the methods provided by the above-described method embodiments, for example, including: acquiring element information and payee information provided by a user; the element information is business information which is required to be provided when the user carries out fund escrow; preprocessing the element information and the payee information, and inputting the feature values respectively corresponding to the element information and the payee information obtained by preprocessing 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 payee information respectively; and if the output result of the preset matched bank model is a bank, using the bank as a target bank for carrying out fund supervision on the user.
Those of ordinary skill in the art will appreciate that: all or part of the steps for implementing the above method embodiments may be implemented by hardware associated with program instructions, where the foregoing program may be stored in a computer readable storage medium, and when executed, the program performs steps including the above method embodiments; and the aforementioned storage medium includes: various media that can store program code, such as ROM, RAM, magnetic or optical disks.
The apparatus embodiments described above are merely illustrative, wherein the elements illustrated as separate elements may or may not be physically separate, and the elements shown as elements may or may not be physical elements, may be located in one place, or may be distributed over a plurality of network elements. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of this embodiment. Those of ordinary skill in the art will understand and implement the present invention without undue burden.
From the above description of the embodiments, it will be apparent to those skilled in the art that the embodiments may be implemented by means of software plus necessary general hardware platforms, or of course may be implemented by means of hardware. Based on this understanding, the foregoing technical solution may be embodied essentially or in a part contributing to the prior art in the form of a software product, which may be stored in a computer readable storage medium, such as ROM/RAM, a magnetic disk, an optical disk, etc., including several instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to execute the method described in the respective embodiments or some parts of the embodiments.
Finally, it should be noted that: the above embodiments are only for illustrating the technical solution of the present invention, and are not limiting; although the 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 scheme described in the foregoing embodiments can be modified or some technical features thereof can be replaced by equivalents; such modifications and substitutions do not depart from the spirit and scope of the technical solutions of the embodiments of the present invention.

Claims (9)

1. A method of selecting a funds-monitoring bank, comprising:
acquiring element information and payee information provided by a user; the element information is business information which is required to be provided when the user carries out fund escrow;
preprocessing the element information and the payee information, and inputting the feature values respectively corresponding to the element information and the payee information obtained by preprocessing 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 payee information respectively;
if the output result of the preset matched bank model is a bank, using the bank as a target bank for carrying out fund supervision on the user;
the selection method of the fund supervision bank further comprises the following steps:
if the output result is a plurality of banks, acquiring bank information and value-added service information respectively corresponding to each bank;
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.
2. The method of claim 1, wherein the pre-establishment of the pre-set matching bank model comprises:
determining a cooperative bank cooperated with the intermediary party, and acquiring fund supervision data provided by all the cooperative banks;
performing data butt joint between all the fund supervision materials and the intermediary party; wherein the data docking at least comprises account system docking, fund interaction docking and financial verification;
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 value corresponding to the element information and the payee information respectively so as to establish the preset matched bank model.
3. The method for selecting a bank for funds administration according to claim 1, wherein said determining a target bank for funds administration to the user based on the comparison result comprises:
comparing all the bank information, and determining n banks with first preset evaluation parameters ranked at the top as candidate banks; the first preset evaluation parameters at least comprise management asset amount and/or wind control index parameters;
comparing all the value-added service information in all the candidate banks, and determining one candidate bank with the second preset evaluation parameter ranked at the front as the target bank; the second preset evaluation parameter at least comprises the number of value added service items and/or the measurement value of at least one value added service.
4. A method of selecting a funds management bank as claimed in any of claims 1 to 3, further comprising:
and according to the selected target bank, carrying out bank instruction butt joint to realize money transfer.
5. A method of selecting a funds management bank as claimed in any of claims 1 to 3 wherein the element information includes at least: user identity information and administrative funds types.
6. A method of selecting a funds regulating bank as claimed in any of claims 1 to 3 wherein the payee information comprises at least: whether there is an agent, whether there is a multi-person payment, whether there is an agent payment, and whether there is an agent payment.
7. A funds-monitoring bank selection apparatus, comprising:
an acquisition unit configured to acquire element information and payee information provided by a user; the element information is business information which is required to be provided when the user carries out fund escrow;
the input unit is used for preprocessing the element information and the receiver-payer information, and inputting the feature values respectively corresponding to the element information and the receiver-payer information obtained through preprocessing 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 payee information respectively;
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 matched bank model is judged to be one bank;
the selection unit is further configured to:
if the output result is a plurality of banks, acquiring bank information and value-added service information respectively corresponding to each bank;
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.
8. 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 processor implements the steps of the method according to any one of claims 1 to 6 when the program is executed.
9. A non-transitory computer readable storage medium, on which a computer program is stored, characterized in that the computer program, when being executed by a processor, implements the steps of the method according to any one of claims 1 to 6.
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