CN111402045B

CN111402045B - Account data supervision method and device

Info

Publication number: CN111402045B
Application number: CN202010153392.0A
Authority: CN
Inventors: 刘艳; 梅坚; 刘佳; 陈铭睿
Original assignee: China Construction Bank Corp
Current assignee: China Construction Bank Corp
Priority date: 2020-03-06
Filing date: 2020-03-06
Publication date: 2023-05-05
Anticipated expiration: 2040-03-06
Also published as: CN111402045A

Abstract

The invention discloses an account data supervision method and device, and relates to the technical field of computers. One embodiment of the method comprises the following steps: receiving an account data supervision request, and acquiring a supervision object and a supervised object in the account data supervision request; extracting and displaying a supervision mode list, and responding to a selection operation of one supervision mode in the list to generate a product contract based on supervision rules in the supervision mode; recording the accounts of the regulated objects and the accounts of the regulated objects into the product contracts, and responding to the selection operation of the regulating means so as to conduct data regulation on the accounts in the product contracts by utilizing the selected regulating means. According to the embodiment, aiming at supervision demands, an account architecture mode is innovated and developed, product contract customization is carried out according to supervision rules, a multidimensional supervision means is combined, supervision data presentation is finally carried out in a mode of information reporting and the like, and a multidimensional, personalized and full-flow supervision service system is integrally constructed.

Description

Account data supervision method and device

Technical Field

The present invention relates to the field of computer technologies, and in particular, to a method and apparatus for supervising account data.

Background

With the rise and wide application of the concept of 'internet+', the requirements of the market on transparency, fluidity and supervision of funds are improved, and the supervision account clustering, the management and control diversification, the supervision facilitation, the channel full coverage and the like become new requirements of the funds supervision business.

The objects and scenes of fund supervision are various, and under the scenes, the fund provider needs to know the flow direction of the fund; and the fund acquirer needs to ensure the safety and the delivery accuracy of the fund. Thus, there is an urgent need to construct a comprehensive financial service system that covers the full-flow funds monitoring functions of account management, funds management, payment estimation, information reporting, and the like.

The existing account supervision function realizes the fund supervision of a single account by mostly using an account service freezing mode, and mainly adopts an account freezing mode: including both two-way freeze and one-way freeze, control the status of account funds. And when the two-way freezing is carried out, the funds can not be stored and withdrawn, and when the one-way freezing is carried out, the funds can be stored but the funds can not be withdrawn.

In carrying out the present invention, the inventors have found that at least the following problems exist in the prior art:

and the fund supervision mode of account freezing only supports fund freezing of a single account, and has relatively single function. And the system is oriented to the complicated supervision demands of the current market, and cannot form a multidimensional, standardized and full-flow supervision service system.

Disclosure of Invention

In view of this, the embodiment of the invention provides a method and a device for supervising account data, which at least can solve the problems that the dimension and the function of an account supervising mode are relatively single and a full-flow supervising service system is not available in the prior art.

To achieve the above object, according to an aspect of the embodiments of the present invention, there is provided an account data supervision method, including:

receiving an account data supervision request, and acquiring a supervision object and a supervised object in the account data supervision request;

extracting and displaying a supervision mode list, and responding to a selection operation of one supervision mode in the list to generate a product contract based on supervision rules in the supervision mode;

recording the accounts of the regulated objects and the accounts of the regulated objects into the product contracts, and responding to the selection operation of the regulating means so as to conduct data regulation on the accounts in the product contracts by utilizing the selected regulating means.

Optionally, the generating a product contract based on the supervision rules in the supervision mode further includes: and extracting and displaying the supervision rule list in the supervision mode, and responding to the selection operation of at least one supervision rule in the list to generate a product contract based on the supervision rule selected in the supervision mode.

Optionally, the product contract records specific conditions when the saleable product is provided to the supervisor, and the supervision mode is one of a common supervision mode, a third party supervision mode and a self-administration mode.

Optionally, the recording the account of the regulatory object and the account of the regulated object into the product contract further includes:

acquiring information of the monitored object and transmitting the information to an auditing system of the monitored object so as to audit the information and the information of the monitored object through an auditing workflow in the auditing system to obtain an auditing result;

and receiving an auditing result fed back by the auditing system, and if the auditing result is passed, recording the accounts of the supervision objects and the accounts of the supervised objects into the product contract.

Optionally, the audit workflow includes a plurality of audit departments;

the auditing of the information and the information of the supervision object is carried out through the auditing workflow in the auditing system to obtain an auditing result, which comprises the following steps:

and according to the hierarchical relation among the auditing departments, the information and the information of the supervision object are checked in sequence, and the checking result is audited to obtain an auditing result.

Optionally, the recording the account of the regulatory object and the account of the regulated object into the product contract includes:

determining a first node where a single administrative object is located in an object hierarchy tree to record an account of the single administrative object at the first node; wherein the object hierarchy tree is located in the product contract; and

a second node where a single supervised object is located in the object hierarchy tree is determined to record an account of the single supervised object at the second node.

Optionally, the recording the account of the regulatory object and the account of the regulated object into the product contract further includes: and carrying out account hierarchy construction on the accounts recorded at the nodes according to the hierarchy relation among the supervision objects, the hierarchy relation among the supervised objects and the supervision relation among the supervision objects to obtain an account hierarchy tree.

Optionally, the responding to the selection operation of the supervision means to perform data supervision on the account in the product contract by using the selected supervision means includes:

acquiring the attribute of the account of the supervision object and the attribute of the account of the supervised object, and determining the common attribute of the supervision object and the account of the supervised object;

Based on the corresponding relation between the attributes and the supervision means, the supervision means corresponding to the common attributes are determined, and the determined supervision means is utilized to conduct data supervision on the accounts in the product contracts.

Optionally, the data supervision of the accounts in the product contract by using the determined supervision means further includes: in response to a selection of at least one of the determined policing means, to data police an account in the product contract with the at least one policing means.

Optionally, the data supervision of the accounts in the product contract by using the selected supervision means further includes: if the number of the selected supervision means is a plurality of, determining the arrangement priority of each supervision means in the supervision means compatibility relation, and further carrying out data supervision on the accounts in the product contracts by utilizing the corresponding supervision means according to the priority order.

Optionally, the supervision means includes at least one of black and white list control, balance list control, transaction amount control, account-out freeze/prepay.

Optionally, the account of the supervision object and the account of the supervised object belong to the same account management authority.

Optionally, the account of the administration object and the account of the administered object belong to different account authorities.

To achieve the above object, according to another aspect of the embodiments of the present invention, there is provided an account data supervision apparatus including:

the object acquisition module is used for receiving an account data supervision request and acquiring a supervision object and a supervised object in the account data supervision request;

the product contract module is used for extracting and displaying a supervision mode list, and responding to the selection operation of one supervision mode in the list to generate a product contract based on the supervision rules in the supervision mode;

and the data supervision module is used for recording the accounts of the supervised objects and the accounts of the supervised objects into the product contracts, and responding to the selection operation of the supervision means so as to conduct data supervision on the accounts in the product contracts by using the selected supervision means.

Optionally, the product contract module is further configured to: and extracting and displaying the supervision rule list in the supervision mode, and responding to the selection operation of at least one supervision rule in the list to generate a product contract based on the supervision rule selected in the supervision mode.

Optionally, the product contract module is further configured to:

Optionally, the audit workflow includes a plurality of audit departments;

the product contract module is used for: and according to the hierarchical relation among the auditing departments, the information and the information of the supervision object are checked in sequence, and the checking result is audited to obtain an auditing result.

Optionally, the product contract module is configured to:

Optionally, the product contract module is further configured to: and carrying out account hierarchy construction on the accounts recorded at the nodes according to the hierarchy relation among the supervision objects, the hierarchy relation among the supervised objects and the supervision relation among the supervision objects to obtain an account hierarchy tree.

Optionally, the data supervision module is configured to:

Optionally, the data supervision module is configured to: in response to a selection of at least one of the determined policing means, to data police an account in the product contract with the at least one policing means.

Optionally, the data supervision module is further configured to: if the number of the selected supervision means is a plurality of, determining the arrangement priority of each supervision means in the supervision means compatibility relation, and further carrying out data supervision on the accounts in the product contracts by utilizing the corresponding supervision means according to the priority order.

To achieve the above object, according to still another aspect of the embodiments of the present invention, there is provided an account data supervision electronic device.

The electronic equipment of the embodiment of the invention comprises: one or more processors; and the storage device is used for storing one or more programs, and when the one or more programs are executed by the one or more processors, the one or more processors are enabled to realize the account data supervision method.

To achieve the above object, according to still another aspect of the embodiments of the present invention, there is provided a computer readable medium having stored thereon a computer program which, when executed by a processor, implements any of the above-described account data supervision methods.

According to the solution provided by the present invention, one embodiment of the above invention has the following advantages or beneficial effects: aiming at supervision demands, an account architecture mode is innovatively developed, product contract customization is carried out according to supervision rules, and supervision data presentation is finally carried out in a mode of information reporting and the like by combining multidimensional supervision means, so that a multidimensional, personalized and full-flow supervision service system is integrally constructed.

Further effects of the above-described non-conventional alternatives are described below in connection with the embodiments.

Drawings

The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:

FIG. 1 is a schematic flow diagram of an account data administration method according to an embodiment of the present invention;

FIG. 2 is a flow diagram of an alternative method of account data administration according to an embodiment of the invention;

fig. 3 is an audit flow in self-contained mode:

FIG. 4 is an audit flow in a common administration mode and a third party administration mode;

FIG. 5 is a flow diagram of another alternative method of account data administration according to an embodiment of the invention;

FIG. 6 is a flow diagram of yet another alternative method of account data administration according to an embodiment of the invention;

FIG. 7 is a schematic diagram of the main modules of an account data administration device according to an embodiment of the present invention;

FIG. 8 is an exemplary system architecture diagram in which embodiments of the present invention may be applied;

fig. 9 is a schematic diagram of a computer system suitable for use in implementing a mobile device or server of an embodiment of the invention.

Detailed Description

Exemplary embodiments of the present invention will now be described with reference to the accompanying drawings, in which various details of the embodiments of the present invention are included to facilitate understanding, and are to be considered merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.

Referring to fig. 1, a main flowchart of an account data supervision method provided by an embodiment of the present invention is shown, including the following steps:

S101: receiving an account data supervision request, and acquiring a supervision object and a supervised object in the account data supervision request;

s102: extracting and displaying a supervision mode list, and responding to a selection operation of one supervision mode in the list to generate a product contract based on supervision rules in the supervision mode;

s103: recording the accounts of the regulated objects and the accounts of the regulated objects into the product contract, and responding to the selection operation of the regulating means to regulate the account data by using the selected regulating means.

In the above embodiment, for step S101, the account data includes status, funds, etc., and the present invention is mainly described by taking the supervision of funds in an account as an example. The objects and scenes of fund supervision are very rich, such as enterprise own fund supervision, railway section fund supervision, foundation project fund supervision, peasant wage guard supervision, community organization fund supervision and trade fund supervision. The corresponding supervision demands are also various, such as the existing fund centralized control, decentralized control, fund common control, fund transfer control, supervision mode setting, authority change and the like.

When funds administration is required, the administrator, supervised party, or third party may initiate an account data administration request to a system (e.g., a bank administration system). The request typically contains directly identifying information for the supervisor and the supervised party, such as a business license number or a specific name, such as a railroad infrastructure, based on which the system can make the supervisor and the supervised party determinations.

For step S102, the supervision modes in the present invention may be various, and specifically include three types, respectively:

1) Common pipe mode: the identity of both the supervising and the supervised party is equal, and credit institutions such as banks are required to intervene to supervise transaction funds of both parties. The supervising or supervised party deposits the supervising funds in the bank account (customer account or bank internal account), confirms the supervising means, and the bank transfers the funds after meeting the preset conditions.

2) Third party supervision mode: namely, the system has definite supervision and a supervised body (such as the construction committee performs the supervision on the 'construction unit' guarantee deposit) and the supervision party performs the supervision on the funds of the accounts of the supervised party through a banking institution and releases the supervision after the supervised party performs obligations.

3) Self-pipe mode: that is, the supervision party needs to conduct classified supervision on funds with different properties due to self management requirements (at the moment, the supervision party is consistent with the supervised party), so that the conditions of funds change and the like are conveniently mastered in real time.

It should be noted that, whether the identities of the supervisor and the supervised party are equal is determined by the business in advance, and is not obtained by analysis of the system. The case of unequal identities is typically a group company, a parent-child company, etc., where it is desirable to use a multi-level account supervision model for supervision (see in particular the description of fig. 5 that follows).

The user (supervisor or third party, not normally involved by the supervisor) can choose the supervision mode by himself according to the supervision requirement, but usually only one of them is chosen. The common management mode is generally applied to a third party supervision mode and a self-management mode, and at the moment, the supervision party and the supervised party do not have the credit of mutual supervision, and credit institutions such as banks and account management institutions are required to intervene to assist supervision.

A product contract, which is a potential or actual agreement between two or more participants, provides and validates rules and obligations related to the purpose of the contract. A product contract is a specific condition for recording the sales of a saleable product to a customer, including interests and fines of both parties, such as loan contracts, etc. The supervision model includes a plurality of supervision rules, and based on the supervision rules in the selected supervision model, a product contract can be generated.

Further, some of the administrative rules in the administrative mode may not be applicable to the administrator and the supervised party, and thus the list of administrative rules in the administrative mode may be provided for selection by the user, ultimately generating a product contract based only on at least one of the administrative rules that they select.

For banking institutions, product contracts may relate to the fields of deposit, agency, metal market, credit, customer asset management, investment financing, credit card, custody, investment banking, trade financing, payment settlement, electronic banking, etc., and corresponding product contracts may include the following categories: deposit contracts, customer asset management contracts, credit card contracts, payment settlement contracts, trade financing contracts, electronic banking contracts, investment financing contracts, investment banking contracts, agent contracts, custodian supervision pension contracts, and financial market contracts.

Further, for the selection of the supervision mode, a plurality of product use channels such as a counter, an online banking, a user graphical interface and the like are supported. The setting may be assisted at the counter by a staff member (e.g., a bank staff member), but if there is a need for an online banking setting or for modifying the supervision mode (e.g., adding black and white list content, adjustment of transaction amount control, etc.), an online banking channel may be set here. In addition, a user graphical interface can be set, and the user can check the functions of each supervision mode in the interface so as to select the supervision mode, thereby realizing the diversity of product use channels.

For step S103, accounts are registered under the supervision product contract, including the accounts of the supervision party and the accounts of the supervised party.

The supervision means of accounts in the invention comprises black and white list control, balance list control, transaction amount control and account-coming freeze/prepay, wherein,

1) Black and white list control: the accurate control of the transaction opponent (determined by the service and providing information such as account number, family name and the like of the transaction opponent) is realized by setting four control elements of a receiver, a payer, a blacklist and a whitelist;

2) And (3) controlling a balance list: controlling the payment/receipt transaction of the supervision account by matching with a preset control condition related to the payment list, for example, the account in the payment list can carry out the payment/receipt operation with the signed account, otherwise, the operation cannot be carried out; the balance list can be searched through key values of the contracted account number and the contracted function;

3) Transaction amount control: the supervision of each transaction amount of a single account or a group account is realized by judging the transaction limit or the account balance;

4) Account freezing/prepayment: and by setting a freezing condition or a freezing and prepayment condition, transferring funds to an external account, and realizing automatic triggering, account-coming freezing, thawing and reservation payment of the system. The account is frozen into a newly added business freezing type, and the priority is lower than that of judicial freezing.

The user may select one or more of the policing means, after which the system performs data policing, and in particular funds policing, on the policing party and the accounts of the policed party based on the selected policing means.

When a user selects a plurality of supervision instruments simultaneously, account data supervision can be performed using the supervision instruments simultaneously. Further, in order to realize layering and effectiveness of data supervision, the data in the account can be sequentially supervised according to the compatibility relation of the functions of each supervision means (see table 1):

table 1 Supervisory means compatibility relationship

Looking up at table 1, it can be seen that, for the four supervision means provided by the present invention, the priority order is balance list control > black-and-white list control > transaction amount control > account-coming freeze/prepayment, and based on the priority order and the supervision means selected by the user, the data supervision is performed on the accounts in the product contract.

However, it should be noted that the supervision means may be customized, and different supervision means may be required according to different service scenarios. For example, the subscription flag management of the newly added active account is: a supervision easy signing sign, a supervision easy group mode signing sign, a supervision easy balance list signing sign, a supervision easy black and white list signing sign and a supervision easy account-coming frozen prepaid signing sign. When the account of the regulated party is a living account, the sign of the subscription of the regulated party can be set under the living account.

After the account data is supervised, a supervision log can be generated according to the supervised information within a certain period of time, and information pushing is performed:

1) Information reminding: and informing the supervision person of the fund supervision condition through mechanisms such as sending a short message, a mail, pushing information of an online banking client side and the like.

2) Information matching: aiming at specific industries (such as real estate intermediaries, group parent-subsidiary companies, court money, peasant wage guarantee money, railway project money and the like), a user system sends preset information and the like to a construction system in a direct connection mode to be matched, and then triggers instructions such as money transfer and the like; the direct connection mode is that the client system is directly connected with the bank system, and the client system and the bank system are directly operated on the counter without off-line notification.

The preset information is a part of preset information in the deduction instruction information, which is used for identifying the identity of the user, and the part of information can be set in the early setting function.

3) Special function control: detail shielding, original fund return, receipt printing control and the like, and a special transaction setting and a non-main supervision function are needed.

According to the method provided by the embodiment, aiming at supervision demands, an account architecture mode is innovated and developed, product contract customization is carried out according to supervision rules, a multidimensional supervision means is combined, supervision data presentation is finally carried out in a mode of information reporting and the like, and a multidimensional, personalized and full-flow supervision service system is integrally constructed.

Referring to fig. 2, an optional account data supervision method according to an embodiment of the invention is shown, which includes the following steps:

s201: receiving an account data supervision request, and acquiring a supervision object and a supervised object in the account data supervision request;

s202: extracting and displaying a supervision mode list, and responding to a selection operation of one supervision mode in the list to generate a product contract based on supervision rules in the supervision mode;

s203: acquiring information of the monitored object and transmitting the information to an auditing system of the monitored object so as to audit the information and the information of the monitored object through an auditing workflow in the auditing system to obtain an auditing result;

s204: receiving an auditing result fed back by the auditing system, and if the auditing result is passed, recording the accounts of the supervision objects and the accounts of the supervised objects into the product contract;

s205: responding to the selection operation of the supervision means to conduct data supervision on the accounts in the product contract by using the selected supervision means;

in the above embodiment, for the steps S201, S202 and S205, reference may be made to the descriptions of the steps S101 to S103 shown in fig. 1, and the descriptions thereof are omitted here.

In the above embodiment, for steps S203 and S204, before the supervisor account and the supervised account are recorded together in the product contract, in order to ensure the correctness of the information of both, the supervisor account and the supervised account may be audited, and if the auditing result is passed, the system performs the account recording operation again.

The auditing operation is performed by an auditing system of the supervision party, and at least the information of the supervision party needs to be transmitted to the auditing system by the system. The supervision party self-defines application, rechecks and approval workflows of the supervision function according to supervision requirements so as to realize corresponding flow management and control and obtain an auditing system based on ACTIVITI; the ACTIVITI is an open source BPM (Business Process Management ) platform based on Apache license, and is a lightweight workflow engine.

Workflow is the automation of part or whole of business process under computer application environment, mainly solving: the process of communicating documents, information or tasks between the plurality of participants in accordance with certain predefined rules is automated to achieve, or to facilitate the achievement of, certain desired business objectives.

The auditing is divided into two types:

1. self-management mode, including making a bill (i.e. adding list action) and rechecking, see specifically fig. 3, where the information of the monitored party is identical to the information of the monitored party.

2. Common management mode and third party supervision mode, including bill making, rechecking and auditing, refer specifically to fig. 4, where the supervision party and the information of the supervised party need to be audited together.

The above auditing supports multiple rechecks and multiple approval steps, and serial and parallel approval relations are supported between rechecks and between auditing steps. And the audit rechecking is mainly applied to multi-level account supervision, and an upper-layer supervision party carries out rechecking and audit.

Taking the example of adding a new list in black-and-white list control, a plurality of upper-layer supervisors are required to jointly check and recheck the supervision request. The upper supervisory parts can be a plurality of auditing departments, and the auditing results are subjected to layer by layer progressive, pushing, rechecking and auditing according to the hierarchical relationship among the auditing departments in the auditing workflow, so that the purpose of flow control is achieved.

According to the method provided by the embodiment, based on the auditing workflow of the supervision party, the information of the supervised party and the supervision party is audited, so that the aim of flow control is fulfilled, the accuracy of the supervision information is monitored, and the aim of account safety supervision is fulfilled.

Referring to fig. 5, another alternative method for supervising account data according to an embodiment of the present invention is shown, comprising the steps of:

S501: receiving an account data supervision request, and acquiring a supervision object and a supervised object in the account data supervision request;

s502: extracting and displaying a supervision mode list, and responding to a selection operation of one supervision mode in the list to generate a product contract based on supervision rules in the supervision mode;

s503: determining a first node where a single administrative object is located in an object hierarchy tree to record an account of the single administrative object at the first node; wherein the object hierarchy tree is located in the product contract;

s504: determining a second node where a single supervised object is located in an object hierarchy tree to record an account of the single supervised object at the second node;

s505: according to the hierarchical relationship among the supervision objects, the hierarchical relationship among the supervised objects and the supervision relationship among the supervision objects, performing account hierarchy construction on the accounts recorded at the nodes to obtain an account hierarchy tree;

s506: in response to a selection operation of the monitoring means, data monitoring of the accounts in the product contract with the selected monitoring means.

In the above embodiment, for the steps S501, S502, S506, reference is made to the descriptions of the steps S101 to S103 shown in fig. 1, and the descriptions are omitted here.

In the above embodiment, for steps S503 to S505, the relationship between the supervisor and the supervised party may be one-to-one, one-to-many, or many-to-one.

The single-layer level refers to a plurality of equal entity accounts without membership of the same customer; the multi-level system is generally applied to large enterprises and institutions with membership such as group parent-subsidiary companies, group companies and the like, and the multi-family companies sign up account tree mechanisms to conduct layer-by-layer supervision from top to bottom.

The embodiment is mainly used for multi-level account construction. The account record is to register the accounts of the group users, the parent and child users, on the corresponding nodes of the user hierarchy tree (i.e. the object hierarchy tree), specifically:

1) Registering an account of the supervisor in a node (i.e., a first node) where the supervisor is located;

2) The account of the regulated party is registered in the node where the regulated party is located (i.e. the second node).

It should be noted that one node may register a plurality of different accounts, and the same account may be registered under a plurality of nodes of the same user hierarchy tree, but the same account cannot be repeatedly registered under the same node of the same user hierarchy tree (or a single user tree).

After the account registration is completed, performing account hierarchy construction on the accounts of the supervisory party and the supervised party according to the relation between the supervisory party and the supervised party, and obtaining an account hierarchy tree.

Further, in addition to the supervision relation between the supervision party and the supervised party, the method can also comprise the step of constructing an account hierarchical tree by the hierarchical relation between the supervision parties and the hierarchical relation between the supervised parties.

According to the method provided by the embodiment, for the group and parent-child multi-level accounts, the accounts of the supervisory party and the supervised party are built in a level mode based on the account level tree, multi-level account supervision is achieved, and therefore the account structure relationship has the effects of being visual in image and clear at a glance on the level architecture.

Referring to fig. 6, another alternative method flow diagram for supervising account data according to an embodiment of the present invention is shown, comprising the steps of:

s601: receiving an account data supervision request, and acquiring a supervision object and a supervised object in the account data supervision request;

s602: extracting and displaying a supervision mode list, and responding to a selection operation of one supervision mode in the list to generate a product contract based on supervision rules in the supervision mode;

s603: acquiring the attribute of the account of the supervision object and the attribute of the account of the supervised object, and determining the common attribute of the supervision object and the account of the supervised object;

S604: determining a supervision means corresponding to the common attribute based on the corresponding relation between the attribute and the supervision means;

s605: in response to a selection of at least one of the determined policing means, to data police an account in the product contract with the at least one policing means.

In the above embodiment, for the steps S601 and S602, reference may be made to the descriptions of the steps S101 and S102 shown in fig. 1, and the descriptions are not repeated here.

In the above embodiment, for steps S603 to S604, in addition to manually selecting the supervision means, supervision means screening may be performed based on the attributes of the account. For example, when the supervisor and the supervised account belong to the same banking, such as bank a, the acquisition of account attributes may be requested from or to the banking system. When the accounts of the supervisor and the supervised party belong to different banks, for example, bank a and bank B, the acquisition of account attributes is required to be requested from different banking systems.

To provide a regulatory means suitable for both the regulator and the regulated, this may be based on common ones of the two attributes, e.g., VIP, large flowing funds.

For step S605, when the number of the matched supervision measures is greater, the number of the matched supervision measures may be transmitted to the user interface for display, so that the user may select the supervision measures. When the user selects part of the supervision means, account data supervision is performed based on the obtained part of the supervision means, but if all the supervision means are selected, account data supervision is performed based on all the matched supervision means.

In actual operation, the account data can be directly regulated based on the matched regulating means, or after the regulating means is matched, the user can confirm/select the user, and then the account data can be regulated based on the regulating means selected by the user.

The method provided by the embodiment optimizes the supervision means on the basis of directly selecting the supervision means by the user, so that the supervision means is matched through the common attribute of the supervision party account and the supervised party account, and the subsequent user only needs to select the matched supervision means when selecting, so that the selection accuracy is improved on the basis of reducing the number of the user selection means compared with the problem of discomfort of the supervision means possibly caused by the direct selection of the existing user, and the effectiveness of the supervision of the subsequent account data is further improved.

Referring to fig. 7, a schematic diagram of main modules of an account data supervision apparatus 700 according to an embodiment of the present invention is shown, including:

an object obtaining module 701, configured to receive an account data supervision request, and obtain a supervision object and a supervised object in the account data supervision request;

a product contract module 702 for extracting and displaying a list of supervision modes, responsive to a selection operation of one of the supervision modes in the list, for generating a product contract based on supervision rules in the supervision mode;

And the data supervision module 703 is configured to record the accounts of the supervised objects and the accounts of the supervised objects into the product contracts, and respond to a selection operation of the supervision means, so as to perform data supervision on the accounts in the product contracts by using the selected supervision means.

In the implementation device of the present invention, the product contract module 702 is further configured to:

and extracting and displaying the supervision rule list in the supervision mode, and responding to the selection operation of at least one supervision rule in the list to generate a product contract based on the supervision rule selected in the supervision mode.

In the implementation device of the invention, the product contract records specific conditions when the saleable product is provided for the supervision party, and the supervision mode is one of a common management mode, a third party supervision mode and a self-management mode.

In the embodiment of the invention, the auditing workflow comprises a plurality of auditing departments;

the product contract module 702 is configured to:

In the implementation device of the present invention, the product contract module 702 is configured to:

and carrying out account hierarchy construction on the accounts recorded at the nodes according to the hierarchy relation among the supervision objects, the hierarchy relation among the supervised objects and the supervision relation among the supervision objects to obtain an account hierarchy tree.

In the embodiment of the present invention, the data supervision module 703 is configured to:

in response to a selection of at least one of the determined policing means, to data police an account in the product contract with the at least one policing means.

In the embodiment of the present invention, the data supervision module 703 is further configured to:

if the number of the selected supervision means is a plurality of, determining the arrangement priority of each supervision means in the supervision means compatibility relation, and further carrying out data supervision on the accounts in the product contracts by utilizing the corresponding supervision means according to the priority order.

In the implementation device of the invention, the supervision means comprises at least one of black and white list control, balance list control, transaction amount control and account-coming freezing/prepayment.

In the implementation device of the invention, the account of the supervision object and the account of the supervised object belong to the same account management mechanism.

In the implementation device of the invention, the accounts of the supervision objects and the accounts of the supervised objects belong to different account management institutions.

In addition, the implementation of the apparatus in the embodiments of the present invention has been described in detail in the above method, so that the description is not repeated here.

Fig. 8 illustrates an exemplary system architecture 800 in which embodiments of the present invention may be applied.

As shown in fig. 8, a system architecture 800 may include

terminal devices

801, 802, 803, a network 804, and a server 805 (by way of example only). The network 804 serves as a medium for providing communication links between the

terminal devices

801, 802, 803 and the server 805. The network 804 may include various connection types, such as wired, wireless communication links, or fiber optic cables, among others.

A user may interact with the server 805 through the network 804 using the

terminal devices

801, 802, 803 to receive or send messages or the like. Various communication client applications can be installed on the

terminal devices

801, 802, 803.

The

terminal devices

801, 802, 803 may be a variety of electronic devices having a display screen and supporting web browsing, including but not limited to smartphones, tablets, laptop and desktop computers, and the like.

The server 805 may be a server providing various services, such as a background management server (by way of example only) that provides support for shopping-type websites browsed by users using the

terminal devices

801, 802, 803.

It should be noted that the method provided by the embodiment of the present invention is generally performed by the server 805, and accordingly, the apparatus is generally disposed in the server 805.

It should be understood that the number of terminal devices, networks and servers in fig. 8 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.

Referring now to FIG. 9, there is illustrated a schematic diagram of a computer system 900 suitable for use in implementing an embodiment of the present invention. The terminal device shown in fig. 9 is only an example, and should not impose any limitation on the functions and the scope of use of the embodiment of the present invention.

As shown in fig. 9, the computer system 900 includes a Central Processing Unit (CPU) 901, which can execute various appropriate actions and processes according to a program stored in a Read Only Memory (ROM) 902 or a program loaded from a storage section 908 into a Random Access Memory (RAM) 903. In the RAM 903, various programs and data necessary for the operation of the system 900 are also stored. The CPU 901, ROM 902, and RAM 903 are connected to each other through a bus 904. An input/output (I/O) interface 905 is also connected to the bus 904.

The following components are connected to the I/O interface 905: an input section 906 including a keyboard, a mouse, and the like; an output portion 907 including a display such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and a speaker; a storage portion 908 including a hard disk or the like; and a communication section 909 including a network interface card such as a LAN card, a modem, or the like. The communication section 909 performs communication processing via a network such as the internet. The drive 910 is also connected to the I/O interface 905 as needed. A removable medium 911 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is installed as needed on the drive 910 so that a computer program read out therefrom is installed into the storage section 908 as needed.

In particular, according to embodiments of the present disclosure, the processes described above with reference to flowcharts may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method shown in the flow chart. In such an embodiment, the computer program may be downloaded and installed from the network via the communication portion 909 and/or installed from the removable medium 911. The above-described functions defined in the system of the present invention are performed when the computer program is executed by a Central Processing Unit (CPU) 901.

The computer readable medium shown in the present invention may be a computer readable signal medium or a computer readable storage medium, or any combination of the two. The computer readable storage medium can be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or a combination of any of the foregoing. More specific examples of the computer-readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the context of this document, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In the present invention, however, the computer-readable signal medium may include a data signal propagated in baseband or as part of a carrier wave, with the computer-readable program code embodied therein. Such a propagated data signal may take any of a variety of forms, including, but not limited to, electro-magnetic, optical, or any suitable combination of the foregoing. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.

The flowcharts and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.

The modules involved in the embodiments of the present invention may be implemented in software or in hardware. The described modules may also be provided in a processor, for example, as: a processor includes an object acquisition module, a product contract module, and a data administration module. The names of these modules do not constitute a limitation on the module itself in some cases, for example, the data administration module may also be described as a "module that administers data within an account".

As another aspect, the present invention also provides a computer-readable medium that may be contained in the apparatus described in the above embodiments; or may be present alone without being fitted into the device. The computer readable medium carries one or more programs which, when executed by a device, cause the device to include:

According to the technical scheme provided by the embodiment of the invention, compared with the prior art, the method has at least the following beneficial effects:

1) Aiming at supervision demands, an account architecture mode is innovatively developed, product contract customization is carried out according to supervision rules, a multidimensional supervision means is combined, supervision data presentation is finally carried out in a mode of information reporting and the like, and a multidimensional, personalized and full-flow supervision service system is integrally constructed;

2) Based on the auditing workflow of the supervision party, auditing the information of the supervised party and the supervision party so as to realize the aim of flow control and supervision information accuracy at the same time and achieve the aim of account safety supervision;

3) For multi-level accounts of groups and parent-child groups, the accounts of the supervisory party and the supervised party are built in a level mode based on an account level tree, multi-level account supervision is achieved, and therefore the account structure relationship has the effects of being visual in image and clear at a glance on a level architecture;

4) The method is characterized in that the method is optimized on the basis of directly selecting the supervision means by a user, supervision means matching is performed through common attributes of the accounts of the supervision party and the accounts of the supervised party, and when the user selects the accounts subsequently, the user only needs to select among the matched supervision means, so that compared with the problem that the supervision means is uncomfortable caused by the direct selection of the existing user, the method improves the selection accuracy on the basis of reducing the number of the user selection means, and further improves the effectiveness of the supervision of the data of the accounts subsequently.

The above embodiments do not limit the scope of the present invention. It will be apparent to those skilled in the art that various modifications, combinations, sub-combinations and alternatives can occur depending upon design requirements and other factors. Any modifications, equivalent substitutions and improvements made within the spirit and principles of the present invention should be included in the scope of the present invention.

Claims

1. A method for supervising account data, comprising:

recording the accounts of the managed objects and the accounts of the managed objects into the product contract, including: determining a first node where a single administrative object is located in an object hierarchy tree to record an account of the single administrative object at the first node; wherein the object hierarchy tree is located in the product contract; and determining a second node in the object hierarchy tree where the single supervised object is located, to record an account of the single supervised object at the second node; according to the hierarchical relationship among the supervision objects, the hierarchical relationship among the supervised objects and the supervision relationship among the supervision objects, performing account hierarchy construction on the accounts recorded at the nodes to obtain an account hierarchy tree;

in response to a selection operation of a monitoring means to data monitor an account in the product contract with the selected monitoring means, comprising: acquiring the attribute of the account of the supervision object and the attribute of the account of the supervised object, and determining the common attribute of the supervision object and the account of the supervised object; based on the corresponding relation between the attributes and the supervision means, the supervision means corresponding to the common attributes are determined, and the determined supervision means is utilized to conduct data supervision on the accounts in the product contracts.

2. The method of claim 1, wherein the generating a product contract based on the regulatory rules in the regulatory mode further comprises:

3. The method of claim 1, wherein the product contract records specific conditions at which a saleable product is provided to the supervisor, the supervisor mode being one of a co-administration mode, a third party supervisor mode, and a self-administration mode.

4. The method of claim 1, wherein the recording the account of the administration object and the account of the administered object into the product contract further comprises:

5. The method of claim 4, wherein the audit workflow comprises a plurality of audit departments;

6. The method of claim 1, wherein the data policing the accounts in the product contract using the determined policing means further comprises:

7. The method of claim 1, wherein the data policing the accounts in the product contract using the selected policing means further comprises:

8. The method of claim 1, wherein the policing means comprises at least one of black and white list control, balance list control, transaction amount control, account freeze/prepay.

9. The method of claim 1, wherein the account of the administration object and the account of the administered object belong to the same account authority.

10. The method of claim 1, wherein the account of the administration object and the account of the administered object belong to different account authorities.

11. An account data administration device, comprising:

a data administration module for recording the administration object account and the administered object account into the product contract, comprising: determining a first node where a single administrative object is located in an object hierarchy tree to record an account of the single administrative object at the first node; wherein the object hierarchy tree is located in the product contract; and determining a second node in the object hierarchy tree where the single supervised object is located, to record an account of the single supervised object at the second node; according to the hierarchical relationship among the supervision objects, the hierarchical relationship among the supervised objects and the supervision relationship among the supervision objects, performing account hierarchy construction on the accounts recorded at the nodes to obtain an account hierarchy tree;

12. An electronic device, comprising:

one or more processors;

storage means for storing one or more programs,

when executed by the one or more processors, causes the one or more processors to implement the method of any of claims 1-10.

13. A computer readable medium, on which a computer program is stored, characterized in that the program, when being executed by a processor, implements the method according to any of claims 1-10.