CN110852874A - Method and device for pre-warning return of funds in trusted payment loan - Google Patents
Method and device for pre-warning return of funds in trusted payment loan Download PDFInfo
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Abstract
The embodiment of the invention provides a method and a device for pre-warning the return of funds in a trusted payment loan, which relate to the field of trusted payment, and comprise the following steps: the method comprises the steps of combing incidence relations of all customers and fund transaction relations of trusted payment objects of the customers, constructing a fund transaction map according to the incidence relations and the fund transaction relations based on a knowledge map, calculating a first set of n-degree incidence relation users of a target object and a second set of m-degree fund transaction relation users of the trusted payment objects according to the fund transaction map, and triggering the trusted payment loan fund backflow early warning if the first set and the second set intersect. By means of establishing the fund transaction map based on the knowledge map, whether the condition of fund backflow of trusted payment exists is conveniently and quickly judged, and financial risks in the trusted payment process are effectively prevented.
Description
Technical Field
The invention relates to the field of trusted payment, in particular to a method and a device for warning the fund backflow of trusted payment loan.
Background
Trusted payments are a common means for a borrower (bank) to control the use of borrowed funds, but the practice is poor. The borrower uses the loan funds for more convenient control, and the trusted payment object is not only returned to the funds, but also some borrowers transfer the funds back to the account of the borrower through the associated enterprises and the relations for a plurality of times. The bank acting as a borrower is not well established with respect to the more complex return funds transactions. And thus becomes one of the difficulties in financial risk prevention.
Disclosure of Invention
The object of the present invention includes, for example, providing a method and apparatus for pre-warning the return of funds in a trusted payment loan, which can pre-warn the return of funds in a trusted payment.
Embodiments of the invention may be implemented as follows:
in a first aspect, an embodiment of the present invention provides a method for warning backflow of funds in a trusted payment loan, including:
acquiring a target object and a trusted payment object of the target object according to a fund transaction map; the funding transaction graph characterizes an association between the target object and the trusted payment object; the target object is a user borrowing money from a bank; the trusted payment object is a payment object of the target object;
calculating a first set of n-degree association relationship users of the target object and a second set of m-degree fund transaction relationship users of the trusted payment object; the association relation is a direct or indirect control relation with the target object; the first set represents users having direct or indirect incidence relation with the target object; the second set is users having a direct or indirect relationship with the trusted payment object;
and if the first set and the second set are intersected, triggering the return warning of the trustee loan fund.
In an alternative embodiment, the step of obtaining the target object and the trusted payment object of the target object is preceded by the steps of:
filtering irrelevant business relations according to the entrusted payment loan business requirements;
combing the incidence relation of all customers and the fund transaction relation of the trusted payment object of the customer;
and constructing the fund transaction map according to the association relationship and the fund transaction relationship based on a knowledge map.
In an alternative embodiment, each user in the fund transaction graph is a computing node, and the step of computing the first set of n-degree association relation users of the target object includes:
selecting one of the target objects as an initial compute node;
calculating the shortest distance from each destination node to the initial calculation node; the destination node is other computing nodes except the initial computing node;
and putting users corresponding to the computing nodes with the shortest distance less than or equal to n into the first set.
In an alternative embodiment, the initial distance value of the starting compute node is set to 0; initializing the distance value from the destination node to the starting calculation node to be infinite; the step of calculating the shortest distance from each destination node to the starting calculation node comprises:
the starting computing node respectively sends the distance values of the starting computing node to the destination node;
if the distance value of the initial calculation node is smaller than the distance value from the target node to the initial calculation node, adding the distance value of the initial calculation node and the distance value from the target node to the initial calculation node to obtain the shortest distance, and taking the shortest distance as the initial distance value of the target node;
and if the distance value of the starting calculation node is greater than or equal to the distance value from the destination node to the starting calculation node, taking the initial distance value of the destination node as the shortest distance.
In an alternative embodiment, each user in the fund transaction graph is a computing node, and the step of computing the second set of m-degree fund transaction relationship users of the trusted payment object includes:
selecting one of the trusted payment objects as an originating compute node;
calculating the shortest distance from each destination node to the initial calculation node; the destination node is other computing nodes except the initial computing node;
and putting users corresponding to the computing nodes with the shortest distance less than or equal to m into the second set.
In an alternative embodiment, the initial distance value of the starting compute node is set to 0; initializing the distance value from the destination node to the starting calculation node to be infinite; the step of calculating the shortest distance from each destination node to the starting calculation node comprises:
the starting computing node respectively sends the distance values of the starting computing node to the destination node;
if the distance value of the initial calculation node is smaller than the distance value from the target node to the initial calculation node, adding the distance value of the initial calculation node and the distance value from the target node to the initial calculation node to obtain the shortest distance, and taking the shortest distance as the initial distance value of the target node;
and if the distance value of the starting calculation node is greater than or equal to the distance value from the destination node to the starting calculation node, taking the initial distance value of the destination node as the shortest distance.
In a second aspect, an embodiment of the present invention provides a device for warning backflow of funds in a trusted payment loan, including:
the acquisition module is used for acquiring a target object and a trusted payment object of the target object according to a fund transaction map; the funding transaction graph characterizes an association between the target object and the trusted payment object; the target object is a user borrowing money from a bank; the trusted payment object is a payment object of the target object;
the processing module is used for calculating a first set of n-degree association relation users of the target object and a second set of m-degree fund transaction relation users of the trusted payment object; the association relation is a direct or indirect control relation with the target object; the first set represents users having direct or indirect incidence relation with the target object; the second set is users having a direct or indirect relationship with the trusted payment object;
and if the first set and the second set are intersected, the processing module is also used for triggering the return warning of the trustee loan fund.
In an optional embodiment, the processing module is further configured to filter irrelevant business relationships according to the requirements of the trusted payment loan business;
and also for combing the associations of all customers and the funding transaction relationships of the customer's trusted payment objects;
and the fund transaction graph is further constructed based on the knowledge graph according to the association relation and the fund transaction relation.
In an alternative embodiment, each user in the fund transaction graph is a computing node, and the processing module is further configured to select one of the target objects as an originating computing node;
and further for calculating the shortest distance of each destination node to the originating compute node; the destination node is other computing nodes except the initial computing node;
and the user corresponding to the computing node with the shortest distance less than or equal to n is also put into the first set.
In an alternative embodiment, the initial distance value of the starting compute node is set to 0; the distance value from the destination node to the starting computing node is initialized to infinity, and the processing module is further configured to control the starting computing node to send the distance values of the starting computing node to the destination node respectively;
if the distance value of the starting computing node is smaller than the distance value from the destination node to the starting computing node, the processing module is further configured to add the distance value of the starting computing node and the distance value from the destination node to the starting computing node to obtain the shortest distance, and use the shortest distance as the initial distance value of the destination node;
if the distance value of the starting computing node is greater than or equal to the distance value from the destination node to the starting computing node, the processing module is further configured to use the initial distance value of the destination node as the shortest distance.
The beneficial effects of the embodiment of the invention include, for example: the method comprises the steps of combing incidence relations of all customers and fund transaction relations of trusted payment objects of the customers, constructing a fund transaction map according to the incidence relations and the fund transaction relations based on a knowledge map, calculating a first set of n-degree incidence relation users of a target object and a second set of m-degree fund transaction relation users of the trusted payment objects according to the fund transaction map, and triggering the trusted payment loan fund backflow early warning if the first set and the second set intersect. By means of establishing the fund transaction map based on the knowledge map, whether the condition of fund backflow of trusted payment exists is conveniently and quickly judged, and financial risks in the trusted payment process are effectively prevented.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings needed to be used in the embodiments will be briefly described below, it should be understood that the following drawings only illustrate some embodiments of the present invention and therefore should not be considered as limiting the scope, and for those skilled in the art, other related drawings can be obtained according to the drawings without inventive efforts.
Fig. 1 is a schematic flow chart of a method for warning backflow of funds in a trusted payment loan according to an embodiment of the present invention.
Fig. 2 is a schematic flow chart of another method for warning backflow of funds in a trusted payment loan according to an embodiment of the present invention.
Fig. 3 is a schematic structural diagram of an m-degree fund transaction relationship user of a trusted payment object according to an embodiment of the present invention.
Fig. 4 is a schematic structural diagram of an m-degree fund transaction relationship user of another trusted payment object according to an embodiment of the present invention.
Fig. 5 is a flow chart illustrating the sub-steps of sub-step 205-2 provided by an embodiment of the present invention.
Fig. 6 is a functional block diagram of a device for warning the backflow of funds in a trusted payment loan according to an embodiment of the present invention.
Icon: 100-underwritten payment loan fund backflow early warning device; 110-an obtaining module; 120-processing module.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some, but not all, embodiments of the present invention. The components of embodiments of the present invention generally described and illustrated in the figures herein may be arranged and designed in a wide variety of different configurations.
Thus, the following detailed description of the embodiments of the present invention, presented in the figures, is not intended to limit the scope of the invention, as claimed, but is merely representative of selected embodiments of the invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
It should be noted that: like reference numbers and letters refer to like items in the following figures, and thus, once an item is defined in one figure, it need not be further defined and explained in subsequent figures.
Furthermore, the appearances of the terms "first," "second," and the like, if any, are used solely to distinguish one from another and are not to be construed as indicating or implying relative importance.
It should be noted that the features of the embodiments of the present invention may be combined with each other without conflict.
Trusted payments are a common means for a borrower (bank) to control the use of borrowed funds, but the practice is poor. The borrower uses the loan funds for more convenient control, and the trusted payment object is not only returned to the funds, but also some borrowers transfer the funds back to the account of the borrower through the associated enterprises and the relations for a plurality of times. Therefore, the invention provides a return-flow early-warning model of the funding of the trusted payment loan based on the knowledge graph, and how to establish the return-flow early-warning model of the funding of the trusted payment loan is described in detail below.
Referring to fig. 1, a flow chart of a method for providing a warning of fund backflow in a trusted payment loan according to an embodiment of the present invention is shown.
And 103, triggering the backflow early warning of the trustee loan fund if the intersection exists between the first set and the second set.
In this embodiment, a target object and a trusted payment object of the target object are obtained according to a fund transaction map, then a first set of n-degree association relation users of the target object and a second set of m-degree fund transaction relation users of the trusted payment object are calculated, if an intersection exists between the first set and the second set, the situation that trusted payment fund reflows exists is indicated, and further trusted payment loan fund reflowing early warning is triggered; by means of establishing the fund transaction map based on the knowledge map, whether the condition of fund backflow of trusted payment exists is conveniently and quickly judged, and financial risks in the trusted payment process are effectively prevented.
It should be noted that m and n are both natural numbers, and values thereof may be equal or unequal, and are not limited herein depending on the specific situation.
On the basis of fig. 1, a possible implementation manner of a complete scheme is given below, and specifically, referring to fig. 2, a schematic flow chart of another method for warning backflow of funds in a trusted payment loan according to an embodiment of the present invention is provided.
Step 201, filtering irrelevant business relations according to the requirements of the trusted payment loan business.
And filtering irrelevant service relations, such as mortgage type services, according to the requirements of the trusted payment loan service.
And step 202, combing the association relation of all customers and the fund transaction relation of the trusted payment objects of the customers.
The association relationship of the client is the enterprise strong association relationship of the client.
And (3) combing the strong enterprise association relations of all the clients, including enterprise-enterprise legal persons, enterprise-enterprise high management, actual enterprise stock control relation, natural person spouse and natural person relationship.
And combing the fund transaction relationship of a trusted payment object of a client, mapping an account entity in the transaction relationship to an enterprise entity or a self-heating person entity, and constructing the fund transaction relationship between enterprises, wherein the relationship type comprises the fund transaction relationship between enterprises, between individuals and individuals, and between enterprises.
And step 203, constructing a fund transaction map according to the association relation and the fund transaction relation based on the knowledge map.
And extracting the enterprise entities and the natural person entities from the enterprise basic information and the natural person basic information, and constructing a fund transaction map based on the extracted enterprise entities and natural person entities, the fund transaction relationship and the enterprise strong association relationship.
And step 204, acquiring the target object and a trusted payment object of the target object according to the fund transaction map.
The target object is a user who debits the bank, and the trusted payment object is a payment object of the target object.
And combing the borrowing information between the target object and the trusted payment object, determining the transaction data of which the transaction type is trusted payment in the borrowing information, and obtaining the target object and the trusted payment object from the transaction data.
Please refer to fig. 3, which is a schematic structural diagram of a m-degree fund transaction relationship user of a trusted payment object according to an embodiment of the present invention. If A is taken as a target object for borrowing from a bank, B is the trusted payment object of A, C is the trusted payment object of B, D is the trusted payment object of C, and E is the trusted payment object of D, B, C, D, E are the user with the 1-degree fund transaction relationship, the user with the 2-degree fund transaction relationship, the user with the 3-degree fund transaction relationship and the user with the 4-degree fund transaction relationship of A respectively, and so on.
If the value of m takes 2, the 2-degree funds transaction relationship users of the trusted payment object B include B and C.
Whether a customer corresponding to a node is a customer of the m-degree fund transaction relation of the trusted payment object is judged, and only whether the shortest distance from the node to the node corresponding to the trusted payment object is smaller than or equal to m needs to be judged, so that the shortest distance between the nodes needs to be calculated at first, and the specific calculation process is explained in detail in the substep of step 205.
Sub-step 205-1, selecting a trusted payment object as the originating computing node.
Please refer to fig. 4, which is a schematic structural diagram of an m-degree fund transaction relationship user of another trusted payment object according to an embodiment of the present invention. The A, B, C, D, E, F nodes in the graph all represent a business entity or a natural human entity, and the E node and the F node are in a pairing relationship.
In the present embodiment, the description is made with the node B as the starting calculation node.
And a substep 205-2 of calculating the shortest distance of each destination node to the starting calculation node.
Taking fig. 4 as an example, the node B of the initial computing node is used as a source node, and nodes other than the node B are destination nodes, where an arrow from B to C indicates that the node B conducts fund transaction to C, and so on.
It should be noted that the substep 205-2 comprises three substeps, which are not mentioned and will be described in detail herein.
Please refer to fig. 5, which is a flowchart illustrating the sub-step 205-2 according to an embodiment of the present invention.
In sub-step 205-2-1, the originating compute node sends the distance values of the originating compute node to the destination nodes, respectively.
Firstly, setting an initial distance value of an initial calculation node as 0; initializing the distance values from all the target nodes to the initial calculation node to be infinite, namely, the distance from the target nodes to the trusted payment object is infinite; and then traverse all destination nodes in the fund transaction graph.
In the sub-step 205-2-2, if the distance value of the initial computing node is smaller than the distance value from the destination node to the initial computing node, the distance value of the initial computing node and the distance value from the destination node to the initial computing node are added to obtain the shortest distance, and the shortest distance is used as the initial distance value of the destination node.
During the first time of the traversal, because the initial distance value of the initial computing node is 0, the distance value from the target node to the initial computing node is infinite, and 0 is smaller than infinity, at this time, the initial computing node adds 1 to the initial distance value, and sends the initial distance value, the path information and the edge attribute which are updated by the initial computing node to the target node.
And the destination node receives the updated initial distance value, takes the initial distance value as the shortest distance to the initial calculation section, and updates the path information of the corresponding target object.
In the sub-step 205-2-3, if the distance value of the initial calculation node is greater than or equal to the distance value from the destination node to the initial calculation node, the initial distance value of the destination node is used as the shortest distance.
And judging whether the customer corresponding to one node is the m-degree fund transaction relation user of the trusted payment object, wherein only the shortest distance from the node to the node corresponding to the trusted payment object is required to be judged whether to be less than or equal to m.
For example, when the value of m takes 3, all destination nodes in the fund transaction graph need to be traversed three times. Taking fig. 4 as an example, the initial node B is taken as a source node;
the first pass is:
b node sends information to C node, and sends information when meeting the condition;
b node sends information to D node, meets the condition and sends message;
the second pass is:
b node sends information to C node, does not send message when not meeting the condition;
b node sends information to D node, does not meet the condition and does not send message;
the C node sends information to the D node, and does not send information when the condition is not met;
the node D sends information to the node E, and the information is sent when the condition is met;
the third pass was:
b node sends information to C node, does not send message when not meeting the condition;
b node sends information to D node, does not meet the condition and does not send message;
the C node sends information to the D node, and does not send information when the condition is not met;
the node D sends information to the node E, and does not send information when the condition is not met;
the node E and the node F, the edge is a non-fund transaction relation and is not traversed.
Therefore, the 3-degree fund transaction relation user set of the node B can be obtained as { C, D, E }.
And a substep 205-3 of putting the users corresponding to the computing nodes with the shortest distance less than or equal to m into the second set.
According to the traversal relation, the second set of the node B can be obtained as { C, D, E }.
According to the same reason in step 205, the 3-degree association set of the node a is obtained as { F, E }, which is not described herein again.
Sub-step 206-1, selecting a target object as the starting compute node.
Sub-step 206-2, the shortest distance of each destination node to the starting computation node is computed.
And a substep 206-3 of putting users corresponding to the computing nodes with the shortest distance less than or equal to n into the first set.
And step 207, if the first set and the second set are intersected, triggering the return warning of the trustee loan fund.
And if the intersection { E } exists between the 3-degree incidence relation user set of the node A and the 3-degree fund transaction relation set of the node B, the condition that the trustee payment fund reflows exists is indicated, and the trustee payment loan fund reflowing early warning is triggered at the moment.
In order to execute the corresponding steps in the above embodiments and various possible manners, an implementation manner of the underwriting loan fund backflow warning method is provided below. Further, referring to fig. 6, fig. 6 is a functional block diagram of a device for warning backflow of funds in a trusted payment loan according to an embodiment of the present invention. It should be noted that the basic principle and the generated technical effect of the back-flow warning device for funds in a trusted payment loan provided in the present embodiment are the same as those of the above embodiment, and for the sake of brief description, no part of this embodiment is mentioned, and reference may be made to the corresponding contents in the above embodiment. The underwriting loan fund backflow warning device 100 comprises an acquisition module 110 and a processing module 120.
It is to be appreciated that in one embodiment, step 204 is performed by the acquisition module 110.
It is understood that in one embodiment, step 201, step 202, step 203, step 205, step 206 and step 207 are performed by the processing module 120.
In summary, an embodiment of the present invention provides a method for warning backflow of funds in a trusted payment loan, where the method includes: the method comprises the steps of combing incidence relations of all customers and fund transaction relations of trusted payment objects of the customers, constructing a fund transaction map according to the incidence relations and the fund transaction relations based on a knowledge map, calculating a first set of n-degree incidence relation users of a target object and a second set of m-degree fund transaction relation users of the trusted payment objects according to the fund transaction map, and triggering the trusted payment loan fund backflow early warning if the first set and the second set intersect. By means of establishing the fund transaction map based on the knowledge map, whether the condition of fund backflow of trusted payment exists is conveniently and quickly judged, and financial risks in the trusted payment process are effectively prevented.
The above description is only for the specific 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 are included in 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 method for pre-warning the return of funds in a trusted payment loan is characterized by comprising the following steps:
acquiring a target object and a trusted payment object of the target object according to a fund transaction map; the funding transaction graph characterizes an association between the target object and the trusted payment object; the target object is a user borrowing money from a bank; the trusted payment object is a payment object of the target object;
calculating a first set of n-degree association relationship users of the target object and a second set of m-degree fund transaction relationship users of the trusted payment object; the association relation is a direct or indirect control relation with the target object; the first set represents users having direct or indirect incidence relation with the target object; the second set is users having a direct or indirect relationship with the trusted payment object;
and if the first set and the second set are intersected, triggering the return warning of the trustee loan fund.
2. The method of claim 1, wherein the step of obtaining a target object and a trusted payment object for the target object is preceded by:
filtering irrelevant business relations according to the entrusted payment loan business requirements;
combing the incidence relation of all customers and the fund transaction relation of the trusted payment object of the customer;
and constructing the fund transaction map according to the association relationship and the fund transaction relationship based on a knowledge map.
3. The method of claim 1, wherein each user in the fund transaction graph is a computing node, and wherein the step of computing a first set of n-degree associative relationship users of the target object comprises:
selecting one of the target objects as an initial compute node;
calculating the shortest distance from each destination node to the initial calculation node; the destination node is other computing nodes except the initial computing node;
and putting users corresponding to the computing nodes with the shortest distance less than or equal to n into the first set.
4. The method of claim 3, setting an initial distance value of the starting compute node to 0; initializing the distance value from the destination node to the starting calculation node to be infinite; wherein the step of calculating the shortest distance from each destination node to the starting calculation node comprises:
the starting computing node respectively sends the distance values of the starting computing node to the destination node;
if the distance value of the initial calculation node is smaller than the distance value from the target node to the initial calculation node, adding the distance value of the initial calculation node and the distance value from the target node to the initial calculation node to obtain the shortest distance, and taking the shortest distance as the initial distance value of the target node;
and if the distance value of the starting calculation node is greater than or equal to the distance value from the destination node to the starting calculation node, taking the initial distance value of the destination node as the shortest distance.
5. The method of claim 1, wherein each user in the funds transaction map is a computing node, and wherein the step of computing a second set of m-degree funds transaction relationship users for the trusted payment object comprises:
selecting one of the trusted payment objects as an originating compute node;
calculating the shortest distance from each destination node to the initial calculation node; the destination node is other computing nodes except the initial computing node;
and putting users corresponding to the computing nodes with the shortest distance less than or equal to m into the second set.
6. The method of claim 5, setting an initial distance value of the starting compute node to 0; initializing the distance value from the destination node to the starting calculation node to be infinite; wherein the step of calculating the shortest distance from each destination node to the starting calculation node comprises:
the starting computing node respectively sends the distance values of the starting computing node to the destination node;
if the distance value of the initial calculation node is smaller than the distance value from the target node to the initial calculation node, adding the distance value of the initial calculation node and the distance value from the target node to the initial calculation node to obtain the shortest distance, and taking the shortest distance as the initial distance value of the target node;
and if the distance value of the starting calculation node is greater than or equal to the distance value from the destination node to the starting calculation node, taking the initial distance value of the destination node as the shortest distance.
7. The utility model provides a underwriting loan fund backward flow early warning device which characterized in that includes:
the acquisition module is used for acquiring a target object and a trusted payment object of the target object according to a fund transaction map; the funding transaction graph characterizes an association between the target object and the trusted payment object; the target object is a user borrowing money from a bank; the trusted payment object is a payment object of the target object;
the processing module is used for calculating a first set of n-degree association relation users of the target object and a second set of m-degree fund transaction relation users of the trusted payment object; the association relation is a direct or indirect control relation with the target object; the first set represents users having direct or indirect incidence relation with the target object; the second set is users having a direct or indirect relationship with the trusted payment object;
and if the first set and the second set are intersected, the processing module is also used for triggering the return warning of the trustee loan fund.
8. The apparatus of claim 7,
the processing module is also used for filtering irrelevant service relations according to the entrusted payment loan service requirements;
and also for combing the associations of all customers and the funding transaction relationships of the customer's trusted payment objects;
and the fund transaction graph is further constructed based on the knowledge graph according to the association relation and the fund transaction relation.
9. The apparatus of claim 7, each user in the funding transaction graph being a computing node,
the processing module is further configured to select one of the target objects as an originating compute node;
and further for calculating the shortest distance of each destination node to the originating compute node; the destination node is other computing nodes except the initial computing node;
and the user corresponding to the computing node with the shortest distance less than or equal to n is also put into the first set.
10. The apparatus of claim 9, setting an initial distance value of the starting compute node to 0; the distance value from the destination node to the originating compute node is initialized to infinity,
the processing module is further configured to control the starting computing node to send the distance values of the starting computing node to the destination node respectively;
if the distance value of the starting computing node is smaller than the distance value from the destination node to the starting computing node, the processing module is further configured to add the distance value of the starting computing node and the distance value from the destination node to the starting computing node to obtain the shortest distance, and use the shortest distance as the initial distance value of the destination node;
if the distance value of the starting computing node is greater than or equal to the distance value from the destination node to the starting computing node, the processing module is further configured to use the initial distance value of the destination node as the shortest distance.
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