CN107644299A - Bill funds flow analysis method and computer-readable recording medium - Google Patents
Bill funds flow analysis method and computer-readable recording medium Download PDFInfo
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- CN107644299A CN107644299A CN201710928839.5A CN201710928839A CN107644299A CN 107644299 A CN107644299 A CN 107644299A CN 201710928839 A CN201710928839 A CN 201710928839A CN 107644299 A CN107644299 A CN 107644299A
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Abstract
The invention discloses a kind of bill funds flow analysis method and computer-readable recording medium, method to include：Transaction record is obtained according to the transaction beginning and ending time；It is to flow to the transaction record of starting point to obtain my card number or my name in an account book, obtains first order flow direction record；Using first order flow direction record as when prime flow direction record；Next stage flow direction record is obtained according to when prime flows to record；Obtain flowing to path according to when prime flow direction record and next stage flow direction record, combination；If the series that first order flow direction recorded next stage flow direction record is less than or equal to maximum series, next stage flow direction is recorded as when prime flow direction record, continues executing with to obtain the step of next stage flow direction records；Acquisition flows to the path that first order flow direction in path recorded K levels flow direction record, and K is in the range of series and K levels flow to the other side's card number recorded or other side's name in an account book to flow to terminal.Fund whereabouts can be traced exactly, greatly improves case handling efficiency, save a large amount of manpowers.
Description
Technical field
The present invention relates to data analysis technique field, more particularly to a kind of bill funds flow analysis method and computer can
Read storage medium.
Background technology
Bill funds flow is that the fund whereabouts of specified suspect is drawn by analyzing a large amount of bills.With economic and high-tech
The development of skill, all kinds of economic crimes also enter " big data " epoch.Bill enormous amount involved by one case, and from bank
Some only has the date to derived bill exchange hour, without specific Hour Minute Second, causes to analyze difficulty increasing.
Existing product in the market, the analysis to funds flow, bandwagon effect is single, and analyze speed is slow, does not accomplish
Analysis process can interact, analysis result can trace to the source.
The content of the invention
The technical problems to be solved by the invention are：A kind of bill funds flow analysis method is provided and computer-readable deposited
Storage media, the efficiency and accuracy of funds flow analysis can be improved.
In order to solve the above-mentioned technical problem, the technical solution adopted by the present invention is：A kind of bill funds flow analysis method,
Including：
According to the default transaction beginning and ending time, transaction record is obtained, and the transaction record is added to analytical database；
It is the default transaction record for flowing to starting point to obtain my card number or my name in an account book, obtains first order flow direction and records；
Using first order flow direction record as when prime flow direction record；
It is when the other side's card number or other side's name in an account book and exchange hour of prime flow direction record to obtain my card number or my name in an account book
It is later than when the transaction record of the exchange hour of prime flow direction record, obtains next stage flow direction record；
Obtain flowing to path according to when prime flow direction record and next stage flow direction record, combination；
If the series that first order flow direction recorded next stage flow direction record is less than or equal to default maximum series, by institute
Next stage flow direction record is stated as when prime flow direction record, continuing executing with and described obtains my card number or my name in an account book to work as prime
Flow to the other side's card number recorded or other side's name in an account book and exchange hour be later than when the transaction record of the exchange hour of prime flow direction record,
The step of obtaining next stage flow direction record；
The path for flowing to first order flow direction in path and recorded K levels flow direction record is obtained, the K is in default level
In number scope and other side's card number of K levels flow direction record or other side's name in an account book flow to terminal to be default.
The invention further relates to a kind of computer-readable recording medium, is stored thereon with computer program, and described program is located
The step of reason device realizes method as described above when performing.
The beneficial effects of the present invention are：It is next stage stream by the other side's card number or other side's name in an account book when prime flow direction record
My card number to record or my name in an account book, structure flows to path, so as to show that fund is moved towards in visual form, side
Just provide funds flow direction and transaction relationship are efficiently identified；By presupposition analysis parameter, dividing for funds flow is carried out automatically by system
Analysis, substantially increases analysis efficiency, and during analysis, can interrupt analysis at any time, readjust analytical parameters, improve suitable
Ying Xing；The present invention can trace fund whereabouts exactly, greatly improve case handling efficiency, save a large amount of manpowers.
Brief description of the drawings
Fig. 1 is a kind of flow chart of bill funds flow analysis method of the present invention；
Fig. 2 is the method flow diagram of the embodiment of the present invention one；
Fig. 3 is the table structural representation of the database of the embodiment of the present invention one；
Fig. 4 flows to path schematic diagram for the embodiment of the present invention one；
Fig. 5 is the method flow diagram of the embodiment of the present invention three；
Fig. 6 is the method flow diagram of the remaining sum method of the embodiment of the present invention three.
Embodiment
To describe the technology contents of the present invention, the objects and the effects in detail, below in conjunction with embodiment and coordinate attached
Figure is explained in detail.
The design of most critical of the present invention is：By presupposition analysis parameter, the automatic analysis for carrying out bill funds flow, and
According to remaining sum method or it is transferred to and produces single-candidate method and judge suspicious record.
Referring to Fig. 1, a kind of bill funds flow analysis method, including：
According to the default transaction beginning and ending time, transaction record is obtained, and the transaction record is added to analytical database；
It is the default transaction record for flowing to starting point to obtain my card number or my name in an account book, obtains first order flow direction and records；
Using first order flow direction record as when prime flow direction record；
It is when the other side's card number or other side's name in an account book and exchange hour of prime flow direction record to obtain my card number or my name in an account book
It is later than when the transaction record of the exchange hour of prime flow direction record, obtains next stage flow direction record；
Obtain flowing to path according to when prime flow direction record and next stage flow direction record, combination；
If the series that first order flow direction recorded next stage flow direction record is less than or equal to default maximum series, by institute
Next stage flow direction record is stated as when prime flow direction record, continuing executing with and described obtains my card number or my name in an account book to work as prime
Flow to the other side's card number recorded or other side's name in an account book and exchange hour be later than when the transaction record of the exchange hour of prime flow direction record,
The step of obtaining next stage flow direction record；
The path for flowing to first order flow direction in path and recorded K levels flow direction record is obtained, the K is in default level
In number scope and other side's card number of K levels flow direction record or other side's name in an account book flow to terminal to be default.
It was found from foregoing description, the beneficial effects of the present invention are：Fund whereabouts can be traced exactly, greatly improved and done
Case efficiency, save a large amount of manpowers.
Further, it is described " according to the default transaction beginning and ending time, to obtain transaction record, and the transaction record is added
Enter to analytical database " after, further comprise：
The transaction record that dealing money is less than default minimum dollar amount is deleted in the analytical database；
Obtain the default earliest exchange hour for flowing to starting point；
Transaction record of the exchange hour earlier than the exchange hour earliest is deleted in the analytical database；
If exist it is default flow to terminal, obtain the exchange hour the latest for flowing to terminal；
The transaction record that exchange hour is later than the exchange hour the latest is deleted in the analytical database.
Seen from the above description, the transaction for being less than default minimum dollar amount by deleting dealing money in analytical database
Record, may filter that the unrelated transaction record such as some service charges, interest；Flowed to by deleting not appearing in necessarily in path
Transaction record, the data volume of analytical database is reduced, improve the efficiency of bill funds flow analysis.
Further, described " using first order flow direction record as when prime flow direction record " and/or " will be described next
Level flow direction record records as when prime flows to " after, further comprise：
Deleted in the analytical database described when prime flow direction record；
Exchange hour is deleted in the analytical database earlier than when the friendship of the earliest exchange hour in prime flow direction record
Easily record.
Seen from the above description, by finishing analysis database, data volume is reduced, improves analyze speed.
Further, after described " obtaining next stage flow direction record ", further comprise：
Dealing money in next stage flow direction record and the dealing money when prime flow direction record, are calculated next
Level flow direction record and the dealing money that record is flowed to when prime are poor；
Delete and recorded with being more than the next stage flow direction of default remittance abroad difference when the dealing money difference of prime flow direction record；
According to the dealing money difference and when prime flow direction record dealing money, be calculated next stage flow direction record with
When the trading variation rate of prime flow direction record；
Delete and recorded with being more than the next stage flow direction of default remittance abroad difference frequency when the trading variation rate of prime flow direction record；
Exchange hour in next stage flow direction record and the exchange hour when prime flow direction record, are calculated next
Level flow direction record and the exchange hour that record is flowed to when prime are poor；
Delete and recorded with being more than the next stage flow direction in default remittance abroad time limit when the exchange hour difference of prime flow direction record.
Seen from the above description, the transaction record of fund transfer may be belonged to by retaining in next stage flow direction record, so as to
It can facilitate and suspicious record is obtained in path is flowed to, be i.e. the suspicious flow direction of fund, more rapidly effectively help personnel in charge of the case's tracking
Fund whereabouts.
Further, in addition to：
If it is when other side's card number in prime flow direction record or other side's name in an account book and friendship in the absence of my card number or my name in an account book
The easy time is later than when the transaction record of the exchange hour of prime flow direction record, then by when other side's card number in prime flow direction record or
Other side's name in an account book is as the terminal flowed in path；
If it is not default from flowing to starting point to be less than default minimum series or a terminal to the transaction count of a terminal
Flow to terminal, then in path is flowed to delete flow to starting point to the path of a terminal.
Seen from the above description, by deleting undesirable path in advance, reduction flows to the complexity in path, so as to
Further improve analyze speed.
Further, in addition to：
A transaction record is chosen in path is flowed to；
It is described one transaction that my card number or my name in an account book are obtained in the next stage flow direction record of a transaction record
First transaction record of other side's card number or other side's name in an account book in record；
If surplus information in transaction record, suspicious record is determined in first transaction record according to remaining sum method；
If without balance amount information in transaction record, according to be transferred to produce that single-candidate method determines in first transaction record can
Doubt record.
Further, described " determining suspicious record in first transaction record according to remaining sum method " is specially：
According to the dealing money of one first transaction record and account balance and the dealing money of a transaction record, meter
Before calculation obtains a transaction record, the card number in person of one first transaction record or in person the first account corresponding to name in an account book
Remaining sum；
Judge whether the dealing money of one first transaction record is less than the remaining sum；
If it is not, exchange hour is then obtained in the exchange hour of a transaction record and the friendship of one first transaction record
Between the easy time, and other side's card number or other side's name in an account book are card number corresponding to the first account or the second transaction record of name in an account book；
According to the dealing money of the second transaction record and the remaining sum of first account, total gold of the first account is calculated
Volume；
Judge whether the dealing money of one first transaction record is less than the total amount；
If it is not, then judge that one first transaction record is suspicious record.
Further, described " produce single-candidate method according to being transferred in first transaction record and determine suspicious record " is specific
For：
If the dealing money of a transaction record in the first transaction record is equal to the dealing money of a transaction record,
It is suspicious record that a transaction record, which will then be judged,；
If the dealing money sum of the transaction record of one or more in the first transaction record is equal to a transaction record
Dealing money, then will judge that the transaction record of one or more is suspicious record.
Seen from the above description, by remaining sum method or it is transferred to and produces single-candidate method and judge suspicious record, rapidly and accurately gives
Personnel in charge of the case prompts, and improves the efficiency solved the problems, such as.
Further, after described " determining suspicious record ", further comprise：
According to the suspicious record, continue to determine suspicious record in the next stage flow direction record of the suspicious record.
Seen from the above description, by identified suspicious record, continue to obtain suspicious note in next stage flow direction record
Record, it is known that find final fund whereabouts.
The invention further relates to a kind of computer-readable recording medium, is stored thereon with computer program, and described program is located
The step of reason device realizes method as described above when performing.
Embodiment one
Fig. 2-4 are refer to, embodiments of the invention one are：A kind of bill funds flow analysis method, can be applied to trace
The fund whereabouts of suspect.This method is analyzed based on bank statement, and bank statement is personal or enterprise within certain time
Revenue and expenditure detail bill, due to the difference between bank, cause that the form of the bank statement of different bank is different, and data are complete
Whole degree is also different, for example, the exchange hour of some bill only has the date, without specific Hour Minute Second；Some account
It is single there is no remaining sum.But the data type being related to is roughly the same, therefore, first the bill of various forms (excel, txt, pdf) is led
Enter to system database, when the data field of database includes my card number, my name in an account book, other side's card number, other side's name in an account book, transaction
Between, dealing money, account balance etc..Further, the table structure of specific database can be as shown in Figure 3.When all to be analyzed
Bill imported into after database and can be carried out funds flow analysis.
As shown in Fig. 2 the method for the present embodiment comprises the following steps：
S101：Presupposition analysis parameter, the analytical parameters include transaction beginning and ending time (time scope, month scope, the date
Scope), flow to starting point, flow to terminal, remittance abroad time limit, minimum dollar amount, remittance abroad difference, remittance abroad difference frequency, flow to series scope (most
Small series, maximum series) etc..
Starting point i.e. suspect is flowed to, suspect can be bank's card number or an account name, be defaulted as account name, choosing
Account name is selected then including all bank's card numbers under the account.It can also be bank's card number or an account to flow to terminal
Name.The remittance abroad time limit refers to the time difference threshold value imported with remittance abroad.It is poor with the amount of money of remittance abroad that remittance abroad difference imports, and remittance abroad difference frequency is
Amount of money difference and the ratio imported.Series scope is flowed to, is referred to by funds transaction several times, once transaction is one-level funds flow.
Wherein, it is the parameter for having to set to flow to starting point, and other analytical parameters can be sky, when parameter is space-time, then
Expression is not limited the analytical parameters.Further, it is contemplated that the characteristics of existing fund flow, exist in some and transfer accounts
Family, these intermediate accounts can produce at once after fund is transferred to, therefore, in some scenarios in order to improve the accurate of fund analysis
Property, the remittance abroad time limit is also served as to have to the parameter set.
S102：According to the default transaction beginning and ending time, transaction record is obtained, and the transaction record is added to analysis number
According to storehouse；Obtain the transaction record in specified time section.
S103：It is the default transaction record for flowing to starting point to obtain my card number or my name in an account book, obtains the first order and flows to
Record；Suspect's produces transaction record i.e. in acquisition specified time section.Assuming that it is A to flow to starting point, the A's in specified time section
Producing transaction record has A → B, A → C, A → D, then these transaction records is flowed to as the first order and recorded.
S104：Finishing analysis database；Specifically, the first order flow direction record is deleted in analytical database, is being divided
Analyse and transaction record of the exchange hour earlier than the earliest exchange hour in first order flow direction record is deleted in database.
S105：N levels flow direction record is obtained, that is, obtains my card number or pair that my name in an account book is N-1 levels flow direction record
Square card number or other side's name in an account book and exchange hour are later than the transaction record of the exchange hour of N-1 levels flow direction record；N initial value is
2.Further, due to being filtered in step S104 and S106 according to exchange hour to analytical database, therefore at this
It can not have to judge exchange hour in step.
For example, as N=2, that is, obtain my card number or transaction record that my name in an account book is B, C, D, it is assumed that B's produces friendship
Easily record has B → E, and the C transaction record that produces has C → F, and the D transaction record that produces has D → G, D → H, then by B → E, C → F, D
→ G, D → H is flowed to as the second level and recorded.
S106：Finishing analysis database；Specifically, the N levels flow direction record is deleted in analytical database, is being analyzed
Transaction record of the exchange hour earlier than the earliest exchange hour in N levels flow direction record is deleted in database.
S107：According to N-1 levels flow direction record and N levels flow direction record, combination obtains flowing to path；The group now obtained
Combining footpath also include the first order flow direction recorded N-1 levels flow direction record flow to path, i.e., according to the first order flow direction record and
The second level flow direction record, can obtain the first order flow direction recorded the second level flow direction record flow to path；Then according to second
When level flow direction record and the third level flow to record group and collaborated to path, it can be flowed in the first order and recorded second level flow direction record
Flow in path, flowed to according to the second level and be transferred to the relation of producing between record and third level flow direction record, add third level stream
To record, so as to which obtain that first order flow direction recorded third level flow direction record flows to path；The like, you can obtain first
Level flow direction recorded N levels flow direction record flow to path.
For example, as N=2, i.e., A → B, A → C, A → D, B → E, C → F, D → G, D → H are combined, obtain first
Level flow direction recorded the second level flow direction record flow to path, as shown in Figure 4.Subsequently flow to and record in conjunction with the third level, obtain
The first order flow direction recorded the third level flow direction record flow to path, by that analogy.
S108：Whether N is more than default maximum series, if it is not, step S109 is then performed, if so, then performing step S110.
S109：N=N+1, perform step S105.
S110：Export and described flow to path；Further, can be shown with figure, also can figure displaying and form exhibition
Show and be combined.
S111：The path for flowing to first order flow direction in path and recorded K levels flow direction record is obtained, the K is pre-
If series in the range of, i.e. K is more than or equal to default minimum series and is less than or equal to default maximum series, and K levels flow direction
The other side's card number or other side's name in an account book of record flow to terminal to be default.
For step S104 and S106, by finishing analysis database, data volume is reduced, improves analyze speed.
The present embodiment by when prime flow to record other side's card number or other side's name in an account book be next stage flow direction record I
Card number or in person name in an account book, structure flow to path, so as to show that fund is moved towards in visual form, easily and effectively identify
Provide funds flow direction and transaction relationship；By presupposition analysis parameter, carry out the analysis of funds flow automatically by system, substantially increase
Analysis efficiency, and during analysis, can interrupt analysis at any time, readjust analytical parameters, improve adaptability；The present invention can
Fund whereabouts is traced exactly, greatly improves case handling efficiency, saves a large amount of manpowers.
Embodiment two
The present embodiment is the further expansion of embodiment one.
After step S102 obtains analytical database, the transaction record in analytical database is filtered, specifically,
The transaction record that dealing money is less than default minimum dollar amount is deleted in analytical database, may filter that some service charges, interest etc.
Unrelated transaction record.
In addition, obtain the default earliest exchange hour for flowing to starting point, deleted in analytical database exchange hour earlier than
The transaction record of the exchange hour earliest；If exist it is default flow to terminal, obtain the transaction the latest for flowing to terminal
Time, the transaction record that exchange hour is later than the exchange hour the latest is deleted in analytical database.Due to what is finally obtained
The transaction record in path is flowed to necessarily to occur flowing to the earliest exchange hour of starting point and flowing to the exchange hour the latest of terminal
Between, therefore the transaction record flowed in path is not appeared in necessarily by deleting, the data volume of analytical database is reduced, is carried
The efficiency of high bill funds flow analysis.
Further, in step S105, if being in N-1 levels flow direction record in the absence of my card number or my name in an account book
Other side's card number or other side's name in an account book and exchange hour are later than the transaction record of the exchange hour of N-1 levels flow direction record, then by N-1
Other side's card number or other side's name in an account book in level flow direction record is as the terminal flowed in path；For example, B is without transaction record is produced, then
Using B as the terminal flowed in path.
After step S105, if being less than default minimum series or described to the transaction count of a terminal from starting point is flowed to
One terminal does not flow to terminal to be default, then is deleted in path is flowed to and flow to starting point to the path of a terminal.That is A to B
Transaction count be 1, if default minimum series is more than 1 or B and does not flow to terminal to be default, A is deleted in path is flowed to
This paths of → B.By deleting undesirable path in advance, the complexity for flowing to path is reduced, so as to further carry
High analyte speed.
Further, after step S105, record is flowed to N levels and filtered.Specifically, comprise the following steps：
The dealing money of dealing money and N-1 levels flow direction record in N levels flow direction record, is calculated N
The dealing money of level flow direction record and N-1 levels flow direction record is poor；Delete and be more than with the dealing money difference of N-1 levels flow direction record
The N levels flow direction record of default remittance abroad difference；
According to the dealing money difference and N-1 levels flow direction record dealing money, be calculated N levels flow direction record with
The trading variation rate of N-1 levels flow direction record；It is poor more than default remittance abroad with the trading variation rate of N-1 levels flow direction record to delete
The N levels flow direction record of volume rate；
The exchange hour of exchange hour and N-1 levels flow direction record in N levels flow direction record, is calculated N
The exchange hour of level flow direction record and N-1 levels flow direction record is poor；Delete and be more than with the exchange hour difference of N-1 levels flow direction record
The N levels flow direction record in default remittance abroad time limit.
By Fig. 4 flow to path exemplified by, calculate the difference of the dealing money of A → B and two transaction records of B → E, Ran Houyong
Difference divided by A → B dealing money obtain trading variation rate, if difference is more than default remittance abroad difference or trading variation rate is big
In default remittance abroad difference frequency, then B → E is deleted.It is poor to calculate the exchange hour of two transaction records of A → B and B → E, if transaction
Time difference is more than the default remittance abroad time limit, then deletes B → E.Similarly, to A → C and C → F, A → D and D → G, A → D and D → H
It is processed as above.
By above-mentioned processing, the transaction record that may belong to fund transfer is retained in N levels flow direction record, so as to side
Just the suspicious flow direction of suspicious record, i.e. fund is obtained in path is flowed to, more rapidly effectively helps personnel in charge of the case to follow the trail of fund
Whereabouts.
Embodiment three
Fig. 5-6 are refer to, the present embodiment is the further expansion of embodiment one.The present embodiment passes through the friendship in transaction record
The easy amount of money, suspicious record is obtained, specifically, after step silo, as shown in figure 5, also comprising the following steps：
S201：A transaction record is chosen in path is flowed to；Further, can be according to the experience of personnel in charge of the case or other lines
Suo Jinhang chooses.
S202：It is described one to obtain my card number or my name in an account book in the next stage flow direction record of a transaction record
First transaction record of other side's card number or other side's name in an account book in transaction record.
S203：Judge in transaction record whether surplus information, if so, step S204 is then performed, if it is not, then performing step
S205。
S204：Suspicious record is determined in first transaction record according to remaining sum method；
S205：Produce single-candidate method according to being transferred in first transaction record and determine suspicious record.
Further, it is determined that after suspicious record, can be continued according to the suspicious record under the suspicious record
Suspicious record is determined in one-level flow direction record.
Further, it is determined that after suspicious record, all suspicious records are highlighted.
For remaining sum method, i.e., described step S204, as shown in fig. 6, comprising the following steps：
S2041：According to the transaction of the dealing money of one first transaction record and account balance and a transaction record
The amount of money, it is calculated before a transaction record, corresponding to the card number in person of one first transaction record or my name in an account book
The remaining sum of first account；
For example, it is assumed that a transaction record is A → B, one first transaction record is B → D, wherein, A → B trade gold
The dealing money that volume is 100,000, B → D is 70,000, and account balance is 40,000, then before A → B, B remaining sum is 10,000, i.e. B → D's
Dealing money adds account balance, then subtracts A → B dealing money.
S2042：Judge whether the dealing money of one first transaction record is less than the remaining sum, that is, judge B → D friendship
Whether the easy amount of money is less than the remaining sum of B before A → B；If so, step S2043 is then performed, if it is not, then performing step S2044.
S2043：Judge that the dealing money of one first transaction record may be from the remaining sum of the first account, not necessarily come
From a transaction record；I.e. B → D dealing money may be from B remaining sum, not necessarily from A → B dealing money.
S2044：Exchange hour is obtained in the exchange hour of a transaction record and the friendship of one first transaction record
Between the easy time, and other side's card number or other side's name in an account book are card number corresponding to the first account or the second transaction record of name in an account book；I.e. in A
→ between B and B → D, obtain the transaction record of other side's card number or other side's name in an account book for B, it is assumed that be C → B.
S2045：According to the dealing money of the second transaction record and the remaining sum of first account, the first account is calculated
Total amount.For example, it is assumed that the remaining sum that C → B dealing money is 50,000, B is 10,000, then B total amount is 60,000.
S2046：Judge whether the dealing money of one first transaction record is less than the total amount；Judge B → D's
Whether dealing money is less than B total amount, if so, step S2047 is then performed, if it is not, then performing step S2048.
S2047：Judge that the dealing money of one first transaction record may be from the remaining sum and described one of the first account
The amount of money of the first account is transferred to after transaction record, not necessarily from a transaction record；That is the dealing money of B → D may
The dealing money of remaining sum and C → B from B, not necessarily from A → B dealing money.
S2048：Judge the dealing money of one first transaction record has part to come from a transaction record certainly, i.e.,
It is suspicious record to judge one first transaction record.I.e. B → D dealing money has trade gold of the part from A → B certainly
Volume, B → D are suspicious record.
That is, if account balance of the B accounts before A account transfers is 1W, A accounts turn 10W and enter B accounts afterwards,
So after this, before the amount of money of starting writing is transferred to B accounts, produces record of all numerical value more than 1W and belong to from 10W's
Cash flow；If limiting in the time limit, there are other amount of money again, for example 5W is transferred to B accounts, then before the amount of money of starting writing is transferred to B accounts,
Belong to the cash flow from 10W more than producing for 6W in subordinate's cash flow.
Single-candidate method is produced for being transferred to, if the dealing money of in the first transaction record a transaction record is equal to described one
The dealing money of transaction record, then it is suspicious record that will judge a transaction record；If one in the first transaction record
More than the dealing money sum of transaction record be equal to the dealing money of a transaction record, then will judge it is described one or more
Transaction record be suspicious record.
For example, it is assumed that the dealing money that a transaction record is transferred to the first account is X, the first account produces to three respectively
Individual account, dealing money are respectively Y1, Y2, Y3；If X=Yi, i=1,2,3, then judge that transaction record corresponding to Yi is suspicious note
Record；If X=Yi+Yj, i=1,2,3, j=1,2,3, i ≠ j, then judge that transaction record corresponding to Yi and Yj is suspicious record；If X
=Y1+Y2+Y3, then judge that transaction record corresponding to Y1, Y2, Y3 is suspicious record.
The present embodiment is by remaining sum method or is transferred to and produces single-candidate method and judge suspicious record, rapidly and accurately gives personnel in charge of the case
Prompting, improve the efficiency solved the problems, such as.Wherein, remaining sum method more rapidly can effectively help personnel in charge of the case to follow the trail of fund whereabouts.
Example IV
The present embodiment is a kind of computer-readable recording medium of corresponding above-described embodiment, is stored thereon with computer journey
Sequence, following steps are realized when described program is executed by processor：
According to the default transaction beginning and ending time, transaction record is obtained, and the transaction record is added to analytical database；
It is the default transaction record for flowing to starting point to obtain my card number or my name in an account book, obtains first order flow direction and records；
Using first order flow direction record as when prime flow direction record；
It is when the other side's card number or other side's name in an account book and exchange hour of prime flow direction record to obtain my card number or my name in an account book
It is later than when the transaction record of the exchange hour of prime flow direction record, obtains next stage flow direction record；
Obtain flowing to path according to when prime flow direction record and next stage flow direction record, combination；
If the series that first order flow direction recorded next stage flow direction record is less than or equal to default maximum series, by institute
Next stage flow direction record is stated as when prime flow direction record, continuing executing with and described obtains my card number or my name in an account book to work as prime
Flow to the other side's card number recorded or other side's name in an account book and exchange hour be later than when the transaction record of the exchange hour of prime flow direction record,
The step of obtaining next stage flow direction record；
The path for flowing to first order flow direction in path and recorded K levels flow direction record is obtained, the K is in default level
In number scope and other side's card number of K levels flow direction record or other side's name in an account book flow to terminal to be default.
Further, it is described " according to the default transaction beginning and ending time, to obtain transaction record, and the transaction record is added
Enter to analytical database " after, further comprise：
The transaction record that dealing money is less than default minimum dollar amount is deleted in the analytical database；
Obtain the default earliest exchange hour for flowing to starting point；
Transaction record of the exchange hour earlier than the exchange hour earliest is deleted in the analytical database；
If exist it is default flow to terminal, obtain the exchange hour the latest for flowing to terminal；
The transaction record that exchange hour is later than the exchange hour the latest is deleted in the analytical database.
Further, described " using first order flow direction record as when prime flow direction record " and/or " will be described next
Level flow direction record records as when prime flows to " after, further comprise：
Deleted in the analytical database described when prime flow direction record；
Exchange hour is deleted in the analytical database earlier than when the friendship of the earliest exchange hour in prime flow direction record
Easily record.
Further, after described " obtaining next stage flow direction record ", further comprise：
Dealing money in next stage flow direction record and the dealing money when prime flow direction record, are calculated next
Level flow direction record and the dealing money that record is flowed to when prime are poor；
Delete and recorded with being more than the next stage flow direction of default remittance abroad difference when the dealing money difference of prime flow direction record；
According to the dealing money difference and when prime flow direction record dealing money, be calculated next stage flow direction record with
When the trading variation rate of prime flow direction record；
Delete and recorded with being more than the next stage flow direction of default remittance abroad difference frequency when the trading variation rate of prime flow direction record；
Exchange hour in next stage flow direction record and the exchange hour when prime flow direction record, are calculated next
Level flow direction record and the exchange hour that record is flowed to when prime are poor；
Delete and recorded with being more than the next stage flow direction in default remittance abroad time limit when the exchange hour difference of prime flow direction record.
Further, in addition to：
If it is when other side's card number in prime flow direction record or other side's name in an account book and friendship in the absence of my card number or my name in an account book
The easy time is later than when the transaction record of the exchange hour of prime flow direction record, then by when other side's card number in prime flow direction record or
Other side's name in an account book is as the terminal flowed in path；
If it is not default from flowing to starting point to be less than default minimum series or a terminal to the transaction count of a terminal
Flow to terminal, then in path is flowed to delete flow to starting point to the path of a terminal.
Further, in addition to：
A transaction record is chosen in path is flowed to；
It is described one transaction that my card number or my name in an account book are obtained in the next stage flow direction record of a transaction record
First transaction record of other side's card number or other side's name in an account book in record；
If surplus information in transaction record, suspicious record is determined in first transaction record according to remaining sum method；
If without balance amount information in transaction record, according to be transferred to produce that single-candidate method determines in first transaction record can
Doubt record.
Further, described " determining suspicious record in first transaction record according to remaining sum method " is specially：
According to the dealing money of one first transaction record and account balance and the dealing money of a transaction record, meter
Before calculation obtains a transaction record, the card number in person of one first transaction record or in person the first account corresponding to name in an account book
Remaining sum；
Judge whether the dealing money of one first transaction record is less than the remaining sum；
If it is not, exchange hour is then obtained in the exchange hour of a transaction record and the friendship of one first transaction record
Between the easy time, and other side's card number or other side's name in an account book are card number corresponding to the first account or the second transaction record of name in an account book；
According to the dealing money of the second transaction record and the remaining sum of first account, total gold of the first account is calculated
Volume；
Judge whether the dealing money of one first transaction record is less than the total amount；
If it is not, then judge that one first transaction record is suspicious record.
Further, described " produce single-candidate method according to being transferred in first transaction record and determine suspicious record " is specific
For：
If the dealing money of a transaction record in the first transaction record is equal to the dealing money of a transaction record,
It is suspicious record that a transaction record, which will then be judged,；
If the dealing money sum of the transaction record of one or more in the first transaction record is equal to a transaction record
Dealing money, then will judge that the transaction record of one or more is suspicious record.
Further, after described " determining suspicious record ", further comprise：
According to the suspicious record, continue to determine suspicious record in the next stage flow direction record of the suspicious record.
In summary, a kind of bill funds flow analysis method provided by the invention and computer-readable recording medium, lead to
The other side's card number or other side's name in an account book of excessive prime flow direction record are my card number or my name in an account book of next stage flow direction record, structure
Path is flowed to, so as to show that fund is moved towards in visual form, easily and effectively identifies that funds flow and transaction are closed
System；By presupposition analysis parameter, the analysis of funds flow is carried out automatically by system, substantially increase analysis efficiency, and analyzing
During, can interrupt analysis at any time, readjust analytical parameters, improve adaptability；Handed over by being deleted in analytical database
The easy amount of money is less than the transaction record of default minimum dollar amount, may filter that the unrelated transaction record such as some service charges, interest；Pass through
The transaction record for not appearing in necessarily and flowing in path is deleted, reduces the data volume of analytical database, improves bill cash flow
To the efficiency of analysis；By finishing analysis database, data volume is reduced, improves analyze speed；By in N levels flow direction record
The transaction record of fund transfer may be belonged to by retaining, and suspicious record is obtained in path is flowed to so as to convenient, i.e., fund can
Flow direction is doubted, more rapidly effectively helps personnel in charge of the case to follow the trail of fund whereabouts；By deleting undesirable path in advance, reduce
The complexity in path is flowed to, so as to further improve analyze speed；By remaining sum method or it is transferred to and produces single-candidate method and judge suspicious note
Record, personnel in charge of the case's prompting is rapidly and accurately given, improves the efficiency solved the problems, such as.The present invention can trace fund whereabouts exactly,
Case handling efficiency is greatly improved, saves a large amount of manpowers；
Embodiments of the invention are the foregoing is only, are not intended to limit the scope of the invention, it is every to utilize this hair
The equivalents that bright specification and accompanying drawing content are made, or the technical field of correlation is directly or indirectly used in, similarly include
In the scope of patent protection of the present invention.
Claims (10)
- A kind of 1. bill funds flow analysis method, it is characterised in that including：According to the default transaction beginning and ending time, transaction record is obtained, and the transaction record is added to analytical database；It is the default transaction record for flowing to starting point to obtain my card number or my name in an account book, obtains first order flow direction and records；Using first order flow direction record as when prime flow direction record；It is when the other side's card number or other side's name in an account book and exchange hour of prime flow direction record are later than to obtain my card number or my name in an account book When the transaction record of the exchange hour of prime flow direction record, next stage flow direction record is obtained；Obtain flowing to path according to when prime flow direction record and next stage flow direction record, combination；If the series that first order flow direction recorded next stage flow direction record is less than or equal to default maximum series, under described For one-level flow direction record as when prime flow direction record, it is when prime flows to continue executing with my card number or my name in an account book of obtaining The other side's card number or other side's name in an account book and exchange hour of record are later than when the transaction record of the exchange hour of prime flow direction record, obtain The step of next stage flow direction record；The path for flowing to first order flow direction in path and recorded K levels flow direction record is obtained, the K is in default series model In enclosing and other side's card number of K levels flow direction record or other side's name in an account book flow to terminal to be default.
- 2. bill funds flow analysis method according to claim 1, it is characterised in that described " according to default transaction Beginning and ending time, transaction record is obtained, and the transaction record is added to analytical database " after, further comprise：The transaction record that dealing money is less than default minimum dollar amount is deleted in the analytical database；Obtain the default earliest exchange hour for flowing to starting point；Transaction record of the exchange hour earlier than the exchange hour earliest is deleted in the analytical database；If exist it is default flow to terminal, obtain the exchange hour the latest for flowing to terminal；The transaction record that exchange hour is later than the exchange hour the latest is deleted in the analytical database.
- 3. bill funds flow analysis method according to claim 1, it is characterised in that described " by the first order stream To record as when prime flow direction record " and/or " using the next stage flow to record as when prime flow direction record " after, enter One step includes：Deleted in the analytical database described when prime flow direction record；Exchange hour is deleted in the analytical database earlier than when the transaction note of the earliest exchange hour in prime flow direction record Record.
- 4. bill funds flow analysis method according to claim 1, it is characterised in that described " to obtain next stage flow direction After record ", further comprise：Dealing money in next stage flow direction record and the dealing money when prime flow direction record, are calculated next stage stream It is poor with working as the dealing money that prime flow direction records to record；Delete and recorded with being more than the next stage flow direction of default remittance abroad difference when the dealing money difference of prime flow direction record；According to dealing money difference and the dealing money when prime flow direction record, be calculated next stage flow direction record with it is current The trading variation rate of level flow direction record；Delete and recorded with being more than the next stage flow direction of default remittance abroad difference frequency when the trading variation rate of prime flow direction record；Exchange hour in next stage flow direction record and the exchange hour when prime flow direction record, are calculated next stage stream It is poor with working as the exchange hour that prime flow direction records to record；Delete and recorded with being more than the next stage flow direction in default remittance abroad time limit when the exchange hour difference of prime flow direction record.
- 5. bill funds flow analysis method according to claim 1, it is characterised in that also include：If it is when other side's card number in prime flow direction record or other side's name in an account book and when merchandising in the absence of my card number or my name in an account book Between be later than when prime flow direction record exchange hour transaction record, then will when prime flow to record in other side's card number or other side Name in an account book is as the terminal flowed in path；If it is not default stream from flowing to starting point to be less than default minimum series or a terminal to the transaction count of a terminal To terminal, then deleted in path is flowed to and flow to starting point to the path of a terminal.
- 6. bill funds flow analysis method according to claim 1, it is characterised in that also include：A transaction record is chosen in path is flowed to；It is a transaction record to obtain my card number or my name in an account book in the next stage flow direction record of a transaction record In other side's card number or other side's name in an account book the first transaction record；If surplus information in transaction record, suspicious record is determined in first transaction record according to remaining sum method；If without balance amount information in transaction record, produce single-candidate method according to being transferred to and determine suspicious note in first transaction record Record.
- 7. bill funds flow analysis method according to claim 6, it is characterised in that described " according to remaining sum method in institute State and suspicious record determined in the first transaction record " be specially：According to the dealing money of one first transaction record and account balance and the dealing money of a transaction record, calculate To before a transaction record, my card number of one first transaction record or my the first account corresponding to name in an account book it is remaining Volume；Judge whether the dealing money of one first transaction record is less than the remaining sum；If it is not, exchange hour is then obtained in the transaction of the exchange hour and one first transaction record of a transaction record Between between, and other side's card number or other side's name in an account book are card number corresponding to the first account or the second transaction record of name in an account book；According to the dealing money of the second transaction record and the remaining sum of first account, the total amount of the first account is calculated；Judge whether the dealing money of one first transaction record is less than the total amount；If it is not, then judge that one first transaction record is suspicious record.
- 8. bill funds flow analysis method according to claim 6, it is characterised in that described " to be produced according to being transferred to Volume method determines suspicious record in first transaction record " be specially：, will if the dealing money of a transaction record in the first transaction record is equal to the dealing money of a transaction record It is suspicious record to judge a transaction record；If the dealing money sum of the transaction record of one or more in the first transaction record is equal to the friendship of a transaction record The easy amount of money, then it will judge that the transaction record of one or more is suspicious record.
- 9. bill funds flow analysis method according to claim 6, it is characterised in that described " determining suspicious record " it Afterwards, further comprise：According to the suspicious record, continue to determine suspicious record in the next stage flow direction record of the suspicious record.
- 10. a kind of computer-readable recording medium, is stored thereon with computer program, it is characterised in that described program is processed Realized when device performs such as the step of any one of claim 1-9 methods described.
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| CN109767323A (en) * | 2018-12-28 | 2019-05-17 | 交通银行股份有限公司 | Capital chain generation method and device based on transaction journal |
| CN110008277A (en) * | 2019-01-14 | 2019-07-12 | 阿里巴巴集团控股有限公司 | The visible processing method and device of resource flow direction |
| CN110659973A (en) * | 2019-09-26 | 2020-01-07 | 支付宝(杭州)信息技术有限公司 | Fund tracking method, device and equipment |
| CN112488839A (en) * | 2020-12-17 | 2021-03-12 | 中国农业银行股份有限公司 | Method and device for tracking flow direction of large amount of funds |
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