CN113191872A - Non-standard behavior judgment method based on bank flow balance and balance overlap ratio - Google Patents
Non-standard behavior judgment method based on bank flow balance and balance overlap ratio Download PDFInfo
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Abstract
The invention discloses a bank running water collection and payment contact ratio calculation method and an irregular behavior judgment method based on the bank running water collection and payment contact ratio, which comprises the following steps: reading electronic flow information of a bank; screening out accounts with large income; calculating the transfer-out duration of all the large income in the account; calculating the degree of coincidence of the balance and the balance of the account in unit time; judging whether the account has an irregular behavior according to the transfer-out time length and the balance and balance contact ratio; by calculating some variables in the bank flow of the enterprise, the large income items, the transfer-out time and the income-expenditure proportion in a period of time in the electronic flow of the account bank can be automatically identified, the large income of the enterprise is automatically screened out by utilizing the existing bank electronic flow, some variables related to the income and the expenditure are calculated, and the potential money laundering or abnormal behaviors of the enterprise are rapidly judged.
Description
Technical Field
The invention relates to the technical field of financial data processing, in particular to an irregular behavior judgment method based on bank flow collection and payment contact ratio.
Background
The electronic water flow of the bank records a large number of cash transactions of individuals and companies, and a large amount of information can be obtained from the electronic water flow of the bank to achieve certain purposes. For example, we can use bank's electronic water flow to verify that a business has money laundering behavior. Money laundering generally occurs in two situations: enterprises frequently have large money transfers in and out; there is no legitimate source of funds or no legitimate flow of funds. In the first case, the standard money laundering method of the enterprise is to receive a large amount of income and then to roll out several times in a short time. In the first case, the current method mainly relies on manpower to screen and discriminate. However, the manual operation of screening large money transfer and outflow is time-consuming and labor-consuming, and is also easy to make mistakes; another difficulty is how to manually determine the specific value of a large amount. There is a need for a method to quickly determine potential money laundering behaviors of an enterprise.
Disclosure of Invention
In view of the existing defects, the invention provides an irregular behavior judgment method based on the running water balance overlap ratio of a bank, which is used for screening potential irregular behaviors of an enterprise by automatically identifying and calculating the balance overlap ratio in the running water of the enterprise bank.
In order to achieve the above purpose, the embodiment of the invention adopts the following technical scheme:
a bank flow balance contact ratio calculation method comprises the following steps:
reading electronic flow information of a bank;
screening out accounts with large income;
calculating the transfer-out duration of all the large income in the account;
and calculating the degree of balance and income coincidence of the account in unit time.
According to one aspect of the invention, the screening of accounts with large income comprises the following steps:
selecting data of an account with the name of the party in the bank flow as the name of an enterprise;
determining whether there is a large amount of revenue in the account using a three sigma criterion;
and if the large income exists, outputting the large income.
According to one aspect of the invention, the roll-out duration is defined as: each amount of large income takes the total time required to go out.
According to one aspect of the invention, the calculating the transfer-out duration of all the large income in the account comprises the following steps:
taking the bank running water with the large income as a starting point, calculating and summing each expenditure after the large income until the total expenditure is more than or equal to the large income;
and calculating the time difference between the beginning time of the large income and the time when the total expense is more than or equal to the large income as the transferring-out time length of the large income.
According to one aspect of the invention, the calculating the transfer-out duration of all the large income in the account further comprises the following steps:
calculating the transfer-out duration of all the large income in the account;
calculating the average and median of the transfer-out time lengths of all the large income in the account;
if one or more large incomes are encountered and not completely transferred out at the end of the account, the large incomes are deleted.
According to one aspect of the invention, the degree of balance overlap of the account per unit time is defined as: and calculating the ratio of the total income in the unit time to the total expense in the next unit time by taking the unit time as a sliding window.
According to one aspect of the invention, the calculating the degree of balance and weight of the account in the unit time comprises:
calculating the total days of the whole bank flow, and setting the unit time as N days;
calculating the total income within 1 to N days from the item with the earliest time in the bank flow;
calculating the total expenditure in N +1 to 2N days;
calculating the total income/total expenditure in 1 to N days/total expenditure in N +1 to 2N days to obtain the account income-expenditure contact ratio in N days;
moving the whole sliding block backwards for one day, and repeating the calculation;
when the expenditure or income is 0, the calculation is not involved.
According to one aspect of the invention, the calculating the degree of balance and weight of the account per unit time further comprises: calculate the average and median of the enterprise revenue and expense overlap ratio over all N days.
The method for judging the non-standard behavior based on the contact ratio of the running water collection and the branch of the bank comprises the following steps of:
reading electronic flow information of a bank;
screening out accounts with large income;
calculating the transfer-out duration of all the large income in the account;
calculating the degree of coincidence of the balance and the balance of the account in unit time;
and judging whether the account has an irregular behavior according to the transfer-out time length and the balance and balance overlap ratio.
According to one aspect of the invention, the judging whether the account has the non-normative behavior according to the transfer-out time length and the balance and balance overlap ratio comprises the following steps: the method comprises the steps of obtaining distribution conditions of transfer-out duration and balance overlap ratio of multiple accounts, defining a normal range interval according to the distribution conditions, and judging that the account has an irregular behavior when the transfer-out duration and the balance and balance overlap ratio of a certain account exceed the normal range interval.
The implementation of the invention has the advantages that: the invention relates to an irregular behavior judgment method based on the running water collection and payment contact ratio of a bank, which comprises the following steps of: reading electronic flow information of a bank; screening out accounts with large income; calculating the transfer-out duration of all the large income in the account; calculating the degree of coincidence of the balance and the balance of the account in unit time; judging whether the account has an irregular behavior according to the transfer-out time length and the balance and balance contact ratio; by calculating some variables in the enterprise bank flow, large income items, transfer-out duration and income and expenditure proportion in a period of time in the electronic flow of the account bank can be automatically identified, so that potential irregular behaviors of enterprises are screened. The method has the advantages that the existing bank electronic pipelining is utilized to automatically screen out the large income of the enterprise and calculate some variables related to income and expenditure ('transfer-out duration', 'enterprise income and expenditure coincidence degree in N days'), and potential money laundering or abnormal behaviors of the enterprise are rapidly judged, so that the method saves labor cost, does not need manual screening one by one, and also ensures the accuracy under the condition of saving time.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings needed to be used in the embodiments will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art that other drawings can be obtained according to these drawings without creative efforts.
Fig. 1 is a schematic diagram illustrating a method for calculating contact ratio between running water and branches of a bank according to a first embodiment of the present invention;
fig. 2 is a schematic diagram illustrating a method for determining an irregular behavior based on contact ratio of running water and branches of a bank according to a second embodiment of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Example one
As shown in fig. 1, a method for calculating contact ratio between running water and branches of a bank includes the following steps:
step S1: reading electronic flow information of a bank;
the step S1 of reading the bank electronic flow information specifically includes: reading standardized bank electronic flow (comprising eight elements, namely, the account number of the party, the name of the party, the transaction amount, the name of the counterparty, the account number of the counterparty, the transaction time, the account balance and the transaction epilogue);
step S2: screening out accounts with large income;
the step S2 of screening out accounts with a large amount of income includes the following steps:
s21: selecting data of an account with the name of the party in the bank flow as the name of an enterprise;
s22: determining whether there is a large amount of revenue in the account using a three sigma criterion;
s23: and if the large income exists, outputting the large income.
Wherein the three sigma criterion is: it is assumed that a group of detection data only contains random error, and is calculated to obtain standard deviation, and a section is defined according to a certain probability, and when the error exceeding this section is considered, it is not random error but coarse error, and the data containing said error should be removed.
In practice, all output parameters default to 0 if there is no large revenue.
Step S3: calculating the transfer-out duration of all the large income in the account;
the step S3 of calculating the transfer-out duration of all the large income in the account specifically includes:
firstly, defining the roll-out duration as follows: each amount of large income takes the total time required to go out.
The specific method comprises the following steps:
taking the bank running water with the large income as a starting point, calculating and summing each expenditure after the large income until the total expenditure is more than or equal to the large income;
and calculating the time difference between the beginning time of the large income and the time when the total expense is more than or equal to the large income as the transferring-out time length of the large income.
In practical applications, the calculating the transfer-out duration of all the large income in the account further includes the following steps:
calculating the transfer-out duration of all the large income in the account;
calculating the average and median of the transfer-out time lengths of all the large income in the account;
if one or more large incomes are encountered and not completely transferred out at the end of the account, the large incomes are deleted.
Wherein the average is: an ═ (a1+ a2+ a3+ … + An)/n;
the median is: the numbers in the middle of a set of data in order.
Step S4: and calculating the degree of balance and income coincidence of the account in unit time.
The step S4 of calculating the degree of balance and income of the account per unit time includes:
firstly, defining the degree of balance and balance overlap of the account in the unit time as follows: and calculating the ratio of the total income in the unit time to the total expense in the next unit time by taking the unit time as a sliding window.
In practical applications, the unit time is generally defined as N days, where N is a natural number greater than 0, for example: 1 month, 1 day, 3:00, then 5 days are used as a sliding window to calculate the total income from 1 month, 1 day, 3:00 to 1 month, 5 days, 3: 00/total expenditure from 1 month, 5 days, 3:00 to 1 month, 9 days, 3: 00. In practical applications, the calculating the degree of income-expense overlap of the account per unit time includes:
s41: calculating the total days of the whole bank flow, and setting the unit time as N days;
s42: calculating the total income within 1 to N days from the item with the earliest time in the bank flow;
s43: calculating the total expenditure in N +1 to 2N days;
s44: calculating the total income/total expenditure in 1 to N days/total expenditure in N +1 to 2N days to obtain the account income-expenditure contact ratio in N days;
s45: moving the whole sliding block backwards for one day, and repeating the steps for calculation;
when the expenditure or income is 0, the calculation is not involved.
Take N ═ 3 as an example: calculating the total income from 1 month and 1 day to 1 month and 3 days/the total expenditure from 1 month and 4 days to 1 month and 6 days to obtain an 'enterprise income-expense overlap ratio' in N days;
then, the total income from 1 month, 2 days to 1 month, 4 days/the total expenditure from 1 month, 5 days to 1 month, 7 days is calculated to obtain an 'enterprise income-expense coincidence degree in N days';
and then calculating the total income from 3 days at 1 month to 5 days at 1 month/the total expenditure from 6 days at 1 month to 8 days at 1 month to obtain the 'enterprise income-expense overlap ratio' in N days, and so on.
In practical applications, the calculating the degree of balance and balance overlap of the account per unit time further includes: calculate the average and median of the enterprise revenue and expense overlap ratio over all N days.
Example two
As shown in fig. 2, a method for determining an irregular behavior based on contact ratio of running water and branches of a bank includes the following steps:
step S1: reading electronic flow information of a bank;
the step S1 of reading the bank electronic flow information specifically includes: reading standardized bank electronic flow (comprising eight elements, namely, the account number of the party, the name of the party, the transaction amount, the name of the counterparty, the account number of the counterparty, the transaction time, the account balance and the transaction epilogue);
step S2: screening out accounts with large income;
the step S2 of screening out accounts with a large amount of income includes the following steps:
s21: selecting data of an account with the name of the party in the bank flow as the name of an enterprise;
s22: determining whether there is a large amount of revenue in the account using a three sigma criterion;
s23: and if the large income exists, outputting the large income.
Wherein the three sigma criterion is: it is assumed that a group of detection data only contains random error, and is calculated to obtain standard deviation, and a section is defined according to a certain probability, and when the error exceeding this section is considered, it is not random error but coarse error, and the data containing said error should be removed.
In practice, all output parameters default to 0 if there is no large revenue.
Step S3: calculating the transfer-out duration of all the large income in the account;
the step S3 of calculating the transfer-out duration of all the large income in the account specifically includes:
firstly, defining the roll-out duration as follows: each amount of large income takes the total time required to go out.
The specific method comprises the following steps:
taking the bank running water with the large income as a starting point, calculating and summing each expenditure after the large income until the total expenditure is more than or equal to the large income;
and calculating the time difference between the beginning time of the large income and the time when the total expense is more than or equal to the large income as the transferring-out time length of the large income.
In practical applications, the calculating the transfer-out duration of all the large income in the account further includes the following steps:
calculating the transfer-out duration of all the large income in the account;
calculating the average and median of the transfer-out time lengths of all the large income in the account;
if one or more large incomes are encountered and not completely transferred out at the end of the account, the large incomes are deleted.
Wherein the average is: an ═ (a1+ a2+ a3+ … + An)/n;
the median is: the numbers in the middle of a set of data in order.
Step S4: and calculating the degree of balance and income coincidence of the account in unit time.
The step S4 of calculating the degree of balance and income of the account per unit time includes:
firstly, defining the degree of balance and balance overlap of the account in the unit time as follows: and calculating the ratio of the total income in the unit time to the total expense in the next unit time by taking the unit time as a sliding window.
In practical applications, the unit time is generally defined as N days, where N is a natural number greater than 0, for example: 1 month, 1 day, 3:00, then 5 days are used as a sliding window to calculate the total income from 1 month, 1 day, 3:00 to 1 month, 5 days, 3: 00/total expenditure from 1 month, 5 days, 3:00 to 1 month, 9 days, 3: 00. In practical applications, the calculating the degree of income-expense overlap of the account per unit time includes:
s41: calculating the total days of the whole bank flow, and setting the unit time as N days;
s42: calculating the total income within 1 to N days from the item with the earliest time in the bank flow;
s43: calculating the total expenditure in N +1 to 2N days;
s44: calculating the total income/total expenditure in 1 to N days/total expenditure in N +1 to 2N days to obtain the account income-expenditure contact ratio in N days;
s45: moving the whole sliding block backwards for one day, and repeating the steps for calculation;
when the expenditure or income is 0, the calculation is not involved.
Take N ═ 3 as an example: calculating the total income from 1 month and 1 day to 1 month and 3 days/the total expenditure from 1 month and 4 days to 1 month and 6 days to obtain an 'enterprise income-expense overlap ratio' in N days;
then, the total income from 1 month, 2 days to 1 month, 4 days/the total expenditure from 1 month, 5 days to 1 month, 7 days is calculated to obtain an 'enterprise income-expense coincidence degree in N days';
and then calculating the total income from 3 days at 1 month to 5 days at 1 month/the total expenditure from 6 days at 1 month to 8 days at 1 month to obtain the 'enterprise income-expense overlap ratio' in N days, and so on.
In practical applications, the calculating the degree of balance and balance overlap of the account per unit time further includes: calculate the average and median of the enterprise revenue and expense overlap ratio over all N days.
Step S5: and judging whether the account has an irregular behavior according to the transfer-out time length and the balance and balance overlap ratio.
The step S5 of determining whether the account has the irregular behavior according to the transfer-out duration and the balance-of-balance overlap ratio includes: the method comprises the steps of obtaining distribution conditions of transfer-out duration and balance overlap ratio of multiple accounts, defining a normal range interval according to the distribution conditions, and judging that the account has an irregular behavior when the transfer-out duration and the balance and balance overlap ratio of a certain account exceed the normal range interval.
In practical application, enterprise accounts are classified according to industries, and account distribution conditions of different industries are different, so that different intervals are set.
In practical application, the specific process may be: the bank running account numbers of a plurality of enterprises are classified according to industries, and the transfer-out duration and the distribution of the income-expense overlap ratio of one industry are drawn. Sorting the roll-out time length and the balance overlap ratio of each account in the industry from short to long, and finding the 5 th and 95 th quantiles as the critical values (critical value 1, critical value 2). And if the transfer-out duration and the balance coincidence of one account are smaller than the critical value 1 of the corresponding industry or larger than the critical value 2 of the corresponding industry, whether the account has the non-standard behavior or not is defined.
The implementation of the invention has the advantages that: the invention relates to an irregular behavior judgment method based on the running water collection and payment contact ratio of a bank, which comprises the following steps of: reading electronic flow information of a bank; screening out accounts with large income; calculating the transfer-out duration of all the large income in the account; calculating the degree of coincidence of the balance and the balance of the account in unit time; judging whether the account has an irregular behavior according to the transfer-out time length and the balance and balance contact ratio; by calculating some variables in the enterprise bank flow, large income items, transfer-out duration and income and expenditure proportion in a period of time in the electronic flow of the account bank can be automatically identified, so that potential irregular behaviors of enterprises are screened. The method has the advantages that the existing bank electronic pipelining is utilized to automatically screen out the large income of the enterprise and calculate some variables related to income and expenditure ('transfer-out duration', 'enterprise income and expenditure coincidence degree in N days'), and potential money laundering or abnormal behaviors of the enterprise are rapidly judged, so that the method saves labor cost, does not need manual screening one by one, and also ensures the accuracy under the condition of saving time.
The above description is only an embodiment of the present invention, but the scope of the present invention is not limited thereto, and any changes or substitutions that can be easily conceived by those skilled in the art within the technical scope of the present invention disclosed herein are intended to be covered by the scope of the present invention. Therefore, the protection scope of the present invention shall be subject to the protection scope of the appended claims.
Claims (10)
1. A bank running water collection contact ratio calculation method is characterized by comprising the following steps:
reading electronic flow information of a bank;
screening out accounts with large income;
calculating the transfer-out duration of all the large income in the account;
and calculating the degree of balance and income coincidence of the account in unit time.
2. The method for calculating the contact ratio of running water and expenses of a bank according to claim 1, wherein the screening out accounts with large income comprises the following steps:
selecting data of an account with the name of the party in the bank flow as the name of an enterprise;
determining whether there is a large amount of revenue in the account using a three sigma criterion;
and if the large income exists, outputting the large income.
3. The method according to claim 1, wherein the transit-out duration is defined as: each amount of large income takes the total time required to go out.
4. The method for calculating the contact ratio of running water and payment of the bank according to claim 3, wherein the step of calculating the transfer-out time length of all the large income in the account comprises the following steps:
taking the bank running water with the large income as a starting point, calculating and summing each expenditure after the large income until the total expenditure is more than or equal to the large income;
and calculating the time difference between the beginning time of the large income and the time when the total expense is more than or equal to the large income as the transferring-out time length of the large income.
5. The method according to claim 4, wherein the step of calculating the transfer-out duration of all the large income in the account further comprises the following steps:
calculating the transfer-out duration of all the large income in the account;
calculating the average and median of the transfer-out time lengths of all the large income in the account;
if one or more large incomes are encountered and not completely transferred out at the end of the account, the large incomes are deleted.
6. The method for calculating the running water balance overlap ratio of the bank according to any one of the claims 1 to 5, wherein the balance overlap ratio of the account in the unit time is defined as: and calculating the ratio of the total income in the unit time to the total expense in the next unit time by taking the unit time as a sliding window.
7. The method according to claim 6, wherein the calculating the degree of balance and balance of the account per unit time comprises:
calculating the total days of the whole bank flow, and setting the unit time as N days;
calculating the total income within 1 to N days from the item with the earliest time in the bank flow;
calculating the total expenditure in N +1 to 2N days;
calculating the total income/total expenditure in 1 to N days/total expenditure in N +1 to 2N days to obtain the account income-expenditure contact ratio in N days;
moving the whole sliding block backwards for one day, and repeating the calculation;
when the expenditure or income is 0, the calculation is not involved.
8. The method according to claim 7, wherein the calculating the degree of balance and balance of the account per unit time further comprises: calculate the average and median of the enterprise revenue and expense overlap ratio over all N days.
9. The method for judging the non-standard behavior based on the contact ratio of the running water balance of the bank is characterized by comprising the following steps of:
reading electronic flow information of a bank;
screening out accounts with large income;
calculating the transfer-out duration of all the large income in the account;
calculating the degree of coincidence of the balance and the balance of the account in unit time;
and judging whether the account has an irregular behavior according to the transfer-out time length and the balance and balance overlap ratio.
10. The method for judging the non-normative behavior based on the bank running water balance coincidence degree according to claim 9, wherein the step of judging whether the account has the non-normative behavior according to the transfer-out duration and the balance coincidence degree comprises the following steps: the method comprises the steps of obtaining distribution conditions of transfer-out duration and balance overlap ratio of multiple accounts, defining a normal range interval according to the distribution conditions, and judging that the account has an irregular behavior when the transfer-out duration and the balance and balance overlap ratio of a certain account exceed the normal range interval.
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| CN114372681A (en) * | 2021-12-27 | 2022-04-19 | 见知数据科技(上海)有限公司 | Enterprise classification method, device, equipment, medium and product based on pipeline data |
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| CN114372681A (en) * | 2021-12-27 | 2022-04-19 | 见知数据科技(上海)有限公司 | Enterprise classification method, device, equipment, medium and product based on pipeline data |
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