CN111402045A - Account data supervision method and device - Google Patents
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- CN111402045A CN111402045A CN202010153392.0A CN202010153392A CN111402045A CN 111402045 A CN111402045 A CN 111402045A CN 202010153392 A CN202010153392 A CN 202010153392A CN 111402045 A CN111402045 A CN 111402045A
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Abstract
The invention discloses an account data supervision method and device, and relates to the technical field of computers. One embodiment of the method comprises: receiving an account data supervision request, and acquiring a supervision object and a supervised object in the account data supervision request; extracting and displaying the supervision mode list, responding to the selection operation of one supervision mode in the list, and generating a product contract based on the supervision rules in the supervision mode; and recording the account of the supervision object and the account of the supervised object into the product contract, and responding to the selection operation of the supervision means so as to carry out data supervision on the account in the product contract by using the selected supervision means. The implementation mode is characterized in that an account architecture mode is innovatively developed according to the supervision requirement, product contracts are customized according to supervision rules, supervision data are finally displayed in the modes of information reports and the like by combining a multi-dimensional supervision means, and a multi-dimensional, personalized and full-flow supervision service system is integrally constructed.
Description
Technical Field
The invention relates to the technical field of computers, in particular to an account data supervision method and device.
Background
With the rise and wide application of the concept of 'internet +', the requirements of the market on the transparency, the mobility and the monitorability of funds are improved, and the clustering, the management and control diversification, the management and control convenience, the channel full coverage and the like of the supervision account become new requirements of the fund supervision business.
The fund supervision objects and scenes are various, and in the scenes, a fund provider needs to know the flow direction of the fund; the fund acquirer needs to ensure the safety of the fund and the accuracy of the release. Therefore, a comprehensive financial service system covering the functions of account management, fund control, payment estimation, information reporting and the like of full-flow fund supervision is urgently needed to be constructed.
Most of the existing account supervision functions use an account service freezing mode to realize fund supervision of a single account, and an account freezing mode is mainly adopted: including two-way freezing and one-way freezing controls the status of account funds. And when the freezing is carried out in the two directions, the fund can not be deposited and withdrawn, and when the freezing is carried out in the one direction, the fund can be deposited but can not be withdrawn.
In the process of implementing the invention, the inventor finds that the prior art has at least the following problems:
the fund supervision mode of account freezing only supports the fund freezing of a single account, and the function is relatively single. And the system is oriented to the complex supervision requirements of the existing market, and cannot form a multi-dimensional, standardized and full-flow supervision service system.
Disclosure of Invention
In view of this, embodiments of the present invention provide an account data monitoring method and apparatus, which can at least solve the problems that the dimension and function of an account monitoring method in the prior art are relatively single, and a full-process monitoring service system does not exist.
To achieve the above object, according to an aspect of an embodiment of the present invention, there is provided an account data monitoring method, including:
receiving an account data supervision request, and acquiring a supervision object and a supervised object in the account data supervision request;
extracting and displaying a list of supervision modes, in response to a selection operation of one supervision mode in the list, to generate a product contract based on supervision rules in the supervision mode;
recording the account of the administrative object and the account of the supervised object into the product contract, and responding to the selection operation of the administrative means to perform data supervision on the account in the product contract by using the selected administrative means.
Optionally, the generating a product contract based on the supervision rule in the supervision mode further includes: a list of the oversight rules in the oversight mode is extracted and displayed, responsive to a selection operation of at least one oversight rule in the list, to generate a product contract based on the oversight rule selected in the oversight mode.
Optionally, the product contract records specific conditions when the saleable product is provided to the monitoring party, and the monitoring mode is one of a co-management mode, a third party monitoring mode and a self-management mode.
Optionally, the recording the account of the administrative object and the account of the supervised object into the product contract further includes:
acquiring the information of the monitored object and transmitting the information to an auditing system of the monitored object so as to audit the information and the information of the monitored object through an auditing workflow in the auditing system to obtain an auditing result;
and receiving an auditing result fed back by the auditing system, and recording the account of the supervision object and the account of the supervised object into the product contract if the auditing result is passed.
Optionally, the audit workflow includes a plurality of audit departments;
the auditing the information and the information of the monitored object through an auditing workflow in the auditing system to obtain an auditing result comprises the following steps:
and rechecking the information and the information of the monitored object in sequence according to the hierarchical relation among the auditing departments, and auditing the rechecking result to obtain an auditing result.
Optionally, the recording the account of the administrative object and the account of the supervised object into the product contract includes:
determining a first node at which a single administrative object is located in an object hierarchy tree to record an account of the single administrative object at the first node; wherein the object hierarchy tree is located in the production contract; and
determining a second node at which a single supervised object is located in an object hierarchy tree to record an account of the single supervised object at the second node.
Optionally, the recording the account of the administrative object and the account of the supervised object into the product contract further includes: and according to the hierarchical relationship among the supervision objects, the hierarchical relationship among the supervised objects and the supervision relationship among the supervision objects and the supervised objects, carrying out account hierarchy building on the accounts recorded at the nodes to obtain an account hierarchy tree.
Optionally, the responding to the selection of the supervising means to perform data supervision on the account in the product contract by using the selected supervising means includes:
acquiring the attribute of the account of the supervision object and the attribute of the account of the supervised object, and determining the common attribute of the supervision object and the account of the supervised object;
and determining the supervision means corresponding to the common attribute based on the corresponding relation between the attribute and the supervision means so as to perform data supervision on the account in the product contract by utilizing the determined supervision means.
Optionally, the data governance of the account in the product contract by using the determined governing means further includes: in response to selection of at least one of the determined curations, to data curate an account in the product contract with the at least one curation.
Optionally, the data monitoring of the account in the product contract by using the selected monitoring means further includes: if the number of the selected supervision means is multiple, the arrangement priority of each supervision means in the supervision means compatible relationship is determined, and then the corresponding supervision means is utilized to supervise the data of the account in the product contract according to the priority sequence.
Optionally, the supervision means includes at least one of blacklist control, balance list control, transaction amount control, and account freeze/prepayment.
Optionally, the account of the administrative object and the account of the supervised object belong to the same account management authority.
Optionally, the account of the administrative object and the account of the supervised object belong to different account authorities.
To achieve the above object, according to another aspect of the embodiments of the present invention, there is provided an account data monitoring apparatus, including:
the object acquisition module is used for receiving an account data supervision request and acquiring a supervision object and a supervised object in the account data supervision request;
a product contract module for extracting and displaying the supervision mode list, responding to the selection operation of one supervision mode in the list, and generating a product contract based on the supervision rule in the supervision mode;
and the data supervision module is used for recording the account of the supervision object and the account of the supervised object into the product contract and responding to the selection operation of the supervision means so as to carry out data supervision on the account in the product contract by using the selected supervision means.
Optionally, the product contract module is further configured to: a list of the oversight rules in the oversight mode is extracted and displayed, responsive to a selection operation of at least one oversight rule in the list, to generate a product contract based on the oversight rule selected in the oversight mode.
Optionally, the product contract records specific conditions when the saleable product is provided to the monitoring party, and the monitoring mode is one of a co-management mode, a third party monitoring mode and a self-management mode.
Optionally, the product contract module is further configured to:
acquiring the information of the monitored object and transmitting the information to an auditing system of the monitored object so as to audit the information and the information of the monitored object through an auditing workflow in the auditing system to obtain an auditing result;
and receiving an auditing result fed back by the auditing system, and recording the account of the supervision object and the account of the supervised object into the product contract if the auditing result is passed.
Optionally, the audit workflow includes a plurality of audit departments;
the product contract module is to: and rechecking the information and the information of the monitored object in sequence according to the hierarchical relation among the auditing departments, and auditing the rechecking result to obtain an auditing result.
Optionally, the product contract module is configured to:
determining a first node at which a single administrative object is located in an object hierarchy tree to record an account of the single administrative object at the first node; wherein the object hierarchy tree is located in the production contract; and
determining a second node at which a single supervised object is located in an object hierarchy tree to record an account of the single supervised object at the second node.
Optionally, the product contract module is further configured to: and according to the hierarchical relationship among the supervision objects, the hierarchical relationship among the supervised objects and the supervision relationship among the supervision objects and the supervised objects, carrying out account hierarchy building on the accounts recorded at the nodes to obtain an account hierarchy tree.
Optionally, the data supervision module is configured to:
acquiring the attribute of the account of the supervision object and the attribute of the account of the supervised object, and determining the common attribute of the supervision object and the account of the supervised object;
and determining the supervision means corresponding to the common attribute based on the corresponding relation between the attribute and the supervision means so as to perform data supervision on the account in the product contract by utilizing the determined supervision means.
Optionally, the data supervision module is configured to: in response to selection of at least one of the determined curations, to data curate an account in the product contract with the at least one curation.
Optionally, the data supervision module is further configured to: if the number of the selected supervision means is multiple, the arrangement priority of each supervision means in the supervision means compatible relationship is determined, and then the corresponding supervision means is utilized to supervise the data of the account in the product contract according to the priority sequence.
Optionally, the supervision means includes at least one of blacklist control, balance list control, transaction amount control, and account freeze/prepayment.
Optionally, the account of the administrative object and the account of the supervised object belong to the same account management authority.
Optionally, the account of the administrative object and the account of the supervised object belong to different account authorities.
To achieve the above object, according to still another aspect of the embodiments of the present invention, an account data monitoring electronic device is provided.
The electronic device of the embodiment of the invention comprises: one or more processors; a storage device, configured to store one or more programs, which when executed by the one or more processors, cause the one or more processors to implement any one of the above account data administration methods.
To achieve the above object, according to a further aspect of the embodiments of the present invention, there is provided a computer readable medium, on which a computer program is stored, the computer program, when executed by a processor, implementing any one of the above-mentioned account data supervision methods.
According to the scheme provided by the invention, one embodiment of the invention has the following advantages or beneficial effects: and aiming at the supervision requirement, an account architecture mode is innovated and researched, product contracts are customized according to supervision rules, supervision data are finally presented in the modes of information reports and the like by combining a multi-dimensional supervision means, and a multi-dimensional, personalized and full-flow supervision service system is integrally constructed.
Further effects of the above-mentioned non-conventional alternatives will be described below in connection with the embodiments.
Drawings
The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:
FIG. 1 is a schematic flow chart of a method for supervising account data according to an embodiment of the invention;
FIG. 2 is a schematic flow chart diagram of an alternative account data administration method according to an embodiment of the invention;
FIG. 3 is a review process in the self-managed mode:
FIG. 4 is an audit flow in a co-administration mode and a third party supervision mode;
FIG. 5 is a schematic flow chart diagram of an alternative account data administration method according to an embodiment of the invention;
FIG. 6 is a schematic flow chart diagram illustrating an alternative method for account data administration according to an embodiment of the present invention;
FIG. 7 is a schematic diagram of the main modules of an account data administration apparatus according to an embodiment of the present invention;
FIG. 8 is an exemplary system architecture diagram in which embodiments of the present invention may be employed;
FIG. 9 is a schematic block diagram of a computer system suitable for use with a mobile device or server implementing an embodiment of the invention.
Detailed Description
Exemplary embodiments of the present invention are described below with reference to the accompanying drawings, in which various details of embodiments of the invention are included to assist understanding, and which are to be considered as merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.
Referring to fig. 1, a main flowchart of an account data administration method according to an embodiment of the present invention is shown, including the following steps:
s101: receiving an account data supervision request, and acquiring a supervision object and a supervised object in the account data supervision request;
s102: extracting and displaying a list of supervision modes, in response to a selection operation of one supervision mode in the list, to generate a product contract based on supervision rules in the supervision mode;
s103: and recording the account of the supervision object and the account of the supervised object into the product contract, and responding to the selection operation of the supervision means so as to carry out account data supervision by using the selected supervision means.
In the above embodiment, as for step S101, the account data includes status, funds, etc., and the present invention is mainly described by taking fund supervision in an account as an example. The object and the scene of capital supervision are very rich, such as enterprise own capital supervision, railway section capital supervision, capital construction project capital supervision, agricultural wage guarantee fund supervision, community organization capital supervision and purchase and sale transaction capital supervision. The corresponding supervision requirements are also various, such as the existing fund centralized management and control, the distributed management and control, the fund common management, the fund transfer control, the supervision mode setting, the authority change and the like.
When funds administration is required, the administrator, the supervised party or a third party may initiate an account data administration request to the system (e.g. a bank administration system). The request usually contains directly the identification information of the supervisor and the supervised party, for example, the license number or the specific name, such as the railway infrastructure, and the system can determine the supervisor and the supervised party based on the identification information.
For step S102, the supervision modes in the present invention may be various, specifically include three, which are respectively:
1) a common mode: namely, the identities of both the supervising and supervised parties are equal, and credit institutions such as banks are required to intervene to supervise the transaction funds of both parties. The supervising or supervised party deposits the supervising fund in the bank open account (customer account or bank internal account), confirms the supervising means, and the bank transfers the fund after meeting the preset conditions.
2) Third party supervision mode: that is, there are definite supervising and supervised subjects (such as construction organization supervising the 'construction unit' deposit), the supervising party supervises the account fund of the supervised party through the bank organization, and releases the supervision after the supervised party fulfills the obligation.
3) A self-tube mode: that is, the supervisor needs to classify and supervise the funds with different properties according to the self management requirement (at this time, the supervisor is consistent with the supervised party), and the conditions of fund change and the like can be conveniently mastered in real time.
It should be noted that, whether the identities of the supervising party and the supervised party are equal or not is determined in advance by the service, and is not analyzed by the system. The case of unequal identities is usually a group company, a parent and subsidiary company, etc., and at this time, the administration needs to be performed by using a multi-level account administration mode (see the description shown in the subsequent fig. 5).
The user (supervisor or third party, usually not participated in by supervisor) can make self-selection of supervision mode according to supervision requirement, but usually only one of them can be selected. The common management mode is relatively common to the third-party supervision mode and the self-management mode, and at the moment, both the supervision party and the supervised party do not have mutual supervision credit and need credit institutions such as banks and account management institutions to intervene to assist in supervision.
A production contract, which is a potential or actual engagement between two or more participants, provides and validates rules and obligations related to the purpose of the contract. A product contract is a record of the specific conditions under which a saleable product is sold to a customer, including benefits and penalties of both parties, such as loan contracts. The supervisory mode includes a plurality of supervisory rules, and based on the supervisory rules in the selected supervisory mode, a product contract may be generated.
Further, some of the supervision rules in the supervision mode may not be applicable to the supervisor and the supervised parties, and thus a list of supervision rules in the supervision mode may be provided for selection by the user, and finally a product contract may be generated based only on at least one supervision rule selected by the user.
For banking institutions, product contracts may relate to the service areas of deposit, agency, metal market, credit, customer asset management, investment financing, credit card, custody pension, investment banking, trade financing, payment settlement, electronic banking, etc., and the corresponding product contracts may include the following categories: a deposit contract, a customer asset management contract, a credit card contract, a payment settlement contract, a trade financing contract, an electronic banking contract, an investment financing contract, an investment banking contract, an agent contract, a escrow and administration pension contract, and a financial market contract.
Furthermore, the selection of the supervision mode supports various product use channels such as a counter, a network bank and a user graphical interface. The setting can be assisted by staff (such as bank staff) at the counter, but if the online bank setting is needed or the supervision mode is modified (such as adding black and white list content, adjusting transaction amount control and the like), an online bank channel can be set at the counter. In addition, a user graphical interface can be set, and a user can check the functions of all the supervision modes in the interface so as to select the supervision modes, so that the diversity of product use channels is realized.
For step S103, accounts are registered under the administrative product contract, including the account of the administrator and the account of the supervised party.
The means of account supervision in the present invention include blacklist control, balance list control, transaction amount control, account-coming freeze/prepayment, wherein,
1) black and white list control: the accurate control of a transaction opponent (determined by a service and provided with information such as an account number, a user name and the like of the transaction opponent) is realized by setting four control elements of a receiver, a payer, a blacklist and a white list;
2) and (3) control of the balance list: controlling the payment/receipt transaction of the supervision account by matching the related control conditions of the preset payment/receipt list, for example, the payment/receipt operation can be carried out on the account in the payment/receipt list and the signed account, otherwise, the operation cannot be carried out; the balance list can be searched through a signing account and key values of signing functions;
3) controlling the transaction amount: the monitoring of each transaction amount of a single account or a group account is realized by judging the transaction limit or the account balance;
4) incoming account freeze/prepayment: the condition of 'freezing' or 'freezing + prepayment' is set to transfer funds to an external account, so that the system automatically triggers to come out for freezing, unfreezing and appointment payment. The account coming freezing is a newly added service freezing type, and the priority is lower than the judicial freezing.
The user may select one or more of the administration means, and then the system performs data administration, in particular fund administration, on the accounts of the administrator and the supervised party based on the selected administration means.
When a user selects a plurality of administration means at the same time, the administration means can be used at the same time for account data administration. Further, to implement data supervision layering and validation, data in the account can be supervised sequentially according to the compatible relationship of the functions of each supervision means (see table 1):
TABLE 1 supervision means compatibility relationship
As can be seen from table 1, for the four monitoring means provided by the present invention, the priority order is balance list control > black and white list control > transaction amount control > to check/prepay, and the data monitoring is performed on the account in the product contract based on the priority order and the monitoring means selected by the user.
However, it should be noted that the supervision means can be customized, and different supervision means may be required according to different service scenarios. For example, the subscription flag management of the newly added current account includes: the supervision easy subscription sign, the supervision easy group mode subscription sign, the supervision easy income and income list subscription sign, the supervision easy black and white list subscription sign and the supervision easy coming account frozen prepayment subscription sign. When the account of the monitored party is the current account, the sign-up mark can be set under the current account.
After the account data is supervised, a supervision log can be generated according to the supervised information within a certain time, and information push is carried out:
1) and (3) information reminding: and informing the supervision person of the fund supervision condition through mechanisms such as sending short messages, mails and pushing the information of the online bank client.
2) Information matching: aiming at specific industries (such as real estate agency, group mother and son company, court case fund, agricultural and civil engineering wage guarantee fund, railway project fund and the like), a user system sends preset information and the like to a construction system in a direct connection mode, and then triggers instructions such as fund transfer and the like after matching; the direct connection mode is direct butt joint of the client system and the bank system, and direct operation on a counter is achieved without offline notification.
The preset information is that in the deduction instruction information, a part of preset information is used for identifying the identity of the user, and the part of information can be set in the early stage of setting the function.
3) And (3) special function control: detail shielding, fund return, receipt printing control and the like need to pass through special transaction setting, and are not main supervision functions.
The method provided by the embodiment innovatively develops an account architecture mode according to the supervision requirement, performs product contract customization according to the supervision rule, combines a multi-dimensional supervision means, finally performs supervision data presentation in the modes of information reports and the like, and integrally constructs a multi-dimensional, personalized and full-flow supervision service system.
Referring to fig. 2, a schematic flow chart of an alternative account data monitoring method according to an embodiment of the present invention is shown, including the following steps:
s201: receiving an account data supervision request, and acquiring a supervision object and a supervised object in the account data supervision request;
s202: extracting and displaying a list of supervision modes, in response to a selection operation of one supervision mode in the list, to generate a product contract based on supervision rules in the supervision mode;
s203: acquiring the information of the monitored object and transmitting the information to an auditing system of the monitored object so as to audit the information and the information of the monitored object through an auditing workflow in the auditing system to obtain an auditing result;
s204: receiving an auditing result fed back by the auditing system, and recording the account of the supervision object and the account of the supervised object into the product contract if the auditing result is passed;
s205: in response to a selection operation of a supervising means, to data supervise an account in the product contract with the selected supervising means;
in the above embodiment, for steps S201, S202 and S205, reference may be made to the description of steps S101 to S103 shown in fig. 1, and details are not repeated here.
In the above embodiment, for steps S203 and S204, before the supervising party account and the supervised party account are recorded to the product contract together, in order to ensure the correctness of the information of the supervising party account and the supervised party account, the system may perform an account recording operation if the result of the audit is passed.
The auditing operation is performed by an auditing system of the supervisor, and at least the information of the supervised party needs to be transmitted to the auditing system by the system. The monitoring party self-defines application, recheck and approval workflows of monitoring functions according to monitoring requirements so as to realize corresponding flow control and obtain an ACTIVITI-based auditing system; the active is an open source BPM (Business Process Management) platform based on Apache license, and is a lightweight workflow engine.
The workflow is the automation of part or the whole of a business process in a computer application environment, and mainly solves the problems that: the process of communicating documents, information or tasks between multiple participants according to some predefined rule is automated to achieve or facilitate the achievement of some desired business goal.
The audit is divided into two categories:
1. the self-management mode includes the order making (i.e. the action of adding the list) and the review, as shown in fig. 3, when the information of the monitored party is equal to the information of the monitoring party.
2. The common management mode and the third party supervision mode include order making, rechecking and auditing, and specifically refer to fig. 4, at this time, the information of the supervisor and the supervised party needs to be audited together.
The auditing supports a plurality of rechecks and a plurality of approval steps, and serial and parallel approval relations are supported between the rechecks and between the auditing steps. And the auditing and rechecking are mainly applied to the multi-level account supervision, and the upper-layer supervisor carries out rechecking and auditing.
Taking the example of adding a new list in the black and white list control, a plurality of upper layer supervisors are required to jointly audit and recheck the supervision request. The multiple upper-layer supervisors can be multiple auditing departments, and the auditing results need to be progressively, pushed, rechecked and audited layer by layer according to the hierarchical relationship among the auditing departments in the auditing workflow, so as to achieve the purpose of flow management and control.
The method provided by the embodiment is based on the auditing workflow of the supervisor, and audits the information of the supervised party and the supervisor, so that the purpose of flow control is realized, the information accuracy is supervised, and the purpose of account safety supervision is achieved.
Referring to fig. 5, a schematic flow chart of another alternative account data administration method according to an embodiment of the present invention is shown, including the following steps:
s501: receiving an account data supervision request, and acquiring a supervision object and a supervised object in the account data supervision request;
s502: extracting and displaying a list of supervision modes, in response to a selection operation of one supervision mode in the list, to generate a product contract based on supervision rules in the supervision mode;
s503: determining a first node at which a single administrative object is located in an object hierarchy tree to record an account of the single administrative object at the first node; wherein the object hierarchy tree is located in the production contract;
s504: determining a second node at which a single supervised object is located in an object hierarchy tree to record an account of the single supervised object at the second node;
s505: according to the hierarchical relationship among the supervision objects, the hierarchical relationship among the supervised objects and the supervision relationship among the supervision objects and the supervised objects, carrying out account hierarchy building on the accounts recorded at the nodes to obtain an account hierarchy tree;
s506: in response to a selection of the curation, to data curate the account in the product contract with the selected curation.
In the above embodiment, for steps S501, S502, and S506, reference may be made to the description of steps S101 to S103 shown in fig. 1, and details are not repeated here.
In the above embodiment, for steps S503 to S505, there may be a one-to-one, one-to-many, or many-to-one mapping relationship between the supervisor and the supervised party.
The single-level in the invention refers to a plurality of equal entity account numbers without membership of the same customer; the multi-level system is generally applied to group parent-subsidiary companies, group companies and the like, large enterprises and public institutions with membership, and a plurality of companies signing account tree mechanisms to perform top-down layer-by-layer supervision.
The present embodiment is mainly referred to multi-level account building. The account records are obtained by registering accounts of group users and parent-child users on corresponding nodes of a user hierarchy tree (namely an object hierarchy tree), and specifically:
1) registering the account of the supervisor in a node (i.e. the first node) where the supervisor is located;
2) the account of the supervised party is registered in the node where the supervised party is located, i.e. the second node.
It should be noted that one node may register a plurality of different accounts, and the same account may be registered under a plurality of nodes of the same user hierarchy tree, but the same account cannot be repeatedly registered under the same node of the same user hierarchy tree (or a single user tree).
And after the account registration is finished, carrying out account hierarchy building on the accounts of the supervisor and the supervised party according to the relationship between the supervisor and the supervised party to obtain an account hierarchy tree.
Further, besides the supervision relationship between the supervisor and the supervised party, the hierarchical relationship between the supervisor and the hierarchical relationship between the supervised party can be included for account hierarchical tree building.
The method provided by the embodiment builds the levels of the accounts of the monitoring party and the monitored party based on the account level tree for the group-class and mother-child-class multi-level accounts, so that the multi-level account monitoring is realized, and the account structure relationship has the visual and clear effect on the level structure.
Referring to fig. 6, a schematic flow chart of another alternative account data administration method according to an embodiment of the present invention is shown, including the following steps:
s601: receiving an account data supervision request, and acquiring a supervision object and a supervised object in the account data supervision request;
s602: extracting and displaying a list of supervision modes, in response to a selection operation of one supervision mode in the list, to generate a product contract based on supervision rules in the supervision mode;
s603: acquiring the attribute of the account of the supervision object and the attribute of the account of the supervised object, and determining the common attribute of the supervision object and the account of the supervised object;
s604: determining a supervision means corresponding to the common attribute based on the corresponding relation between the attribute and the supervision means;
s605: in response to selection of at least one of the determined curations, to data curate an account in the product contract with the at least one curation.
In the above embodiment, for steps S601 and S602, reference may be made to the descriptions of steps S101 and S102 shown in fig. 1, and details are not repeated here.
In the above embodiment, in steps S603 to S604, in addition to the manual selection of the monitoring means, the monitoring means may be selected based on the attribute of the account. For example, when the administrator and the account of the supervised party belong to the same bank, such as bank a, the acquisition of the account attributes may be requested from or to the bank system. When the accounts of the supervisor and the supervised party belong to different banks, such as bank a and bank B, the acquisition of the account attribute needs to be requested from different bank systems.
To provide a means of supervision that is appropriate for both the supervisor and the supervised party, this may be done based on common attributes of both attributes, e.g. VIP, large liquidity.
For step S605, when the number of the matched monitoring means is large, the number of the matched monitoring means can be transmitted to a user interface for displaying, so that the user can select the monitoring means. When the user selects part of the supervision means, the account data supervision is carried out based on the obtained part of the supervision means, but if the user selects all the supervision means, the account data supervision is carried out based on all the matched supervision means.
In actual operation, the account data can be directly monitored based on the matched monitoring means, or the account data can be monitored based on the monitoring means selected by the user after the monitoring means is matched and confirmed/selected by the user.
The method provided by the embodiment optimizes the supervision means on the basis that the user directly selects the supervision means, so that the supervision means is matched according to the common attributes of the supervisor account and the supervised account, and when the subsequent user selects, only the matched supervision means is needed to be selected, so that the selection accuracy is improved on the basis of reducing the number of the user selection means, and the effectiveness of the supervision of the subsequent account data is improved compared with the problem that the supervision means is uncomfortable due to the fact that the existing user directly selects.
Referring to fig. 7, a schematic diagram of main modules of an account data management apparatus 700 according to an embodiment of the present invention is shown, including:
an object obtaining module 701, configured to receive an account data monitoring request, and obtain a monitoring object and a monitored object in the account data monitoring request;
a product contract module 702 for extracting and displaying a list of supervision modes, in response to a selection operation of one of the supervision modes in the list, to generate a product contract based on supervision rules in the supervision mode;
a data supervision module 703 for recording the account of the supervision object and the account of the supervised object into the product contract, and responding to the selection operation of the supervision means to perform data supervision on the account in the product contract by using the selected supervision means.
In the implementation apparatus of the present invention, the product contract module 702 is further configured to:
a list of the oversight rules in the oversight mode is extracted and displayed, responsive to a selection operation of at least one oversight rule in the list, to generate a product contract based on the oversight rule selected in the oversight mode.
In the implementation device of the invention, the product contract records specific conditions when the saleable product is provided to the supervision party, and the supervision mode is one of a common management mode, a third party supervision mode and a self management mode.
In the implementation apparatus of the present invention, the product contract module 702 is further configured to:
acquiring the information of the monitored object and transmitting the information to an auditing system of the monitored object so as to audit the information and the information of the monitored object through an auditing workflow in the auditing system to obtain an auditing result;
and receiving an auditing result fed back by the auditing system, and recording the account of the supervision object and the account of the supervised object into the product contract if the auditing result is passed.
In the implementation device of the invention, the audit workflow comprises a plurality of audit departments;
the product contract module 702 to:
and rechecking the information and the information of the monitored object in sequence according to the hierarchical relation among the auditing departments, and auditing the rechecking result to obtain an auditing result.
In the implementation apparatus of the present invention, the product contract module 702 is configured to:
determining a first node at which a single administrative object is located in an object hierarchy tree to record an account of the single administrative object at the first node; wherein the object hierarchy tree is located in the production contract; and
determining a second node at which a single supervised object is located in an object hierarchy tree to record an account of the single supervised object at the second node.
In the implementation apparatus of the present invention, the product contract module 702 is further configured to:
and according to the hierarchical relationship among the supervision objects, the hierarchical relationship among the supervised objects and the supervision relationship among the supervision objects and the supervised objects, carrying out account hierarchy building on the accounts recorded at the nodes to obtain an account hierarchy tree.
In the implementation apparatus of the present invention, the data monitoring module 703 is configured to:
acquiring the attribute of the account of the supervision object and the attribute of the account of the supervised object, and determining the common attribute of the supervision object and the account of the supervised object;
and determining the supervision means corresponding to the common attribute based on the corresponding relation between the attribute and the supervision means so as to perform data supervision on the account in the product contract by utilizing the determined supervision means.
In the implementation apparatus of the present invention, the data monitoring module 703 is configured to:
in response to selection of at least one of the determined curations, to data curate an account in the product contract with the at least one curation.
In the device for implementing the present invention, the data monitoring module 703 is further configured to:
if the number of the selected supervision means is multiple, the arrangement priority of each supervision means in the supervision means compatible relationship is determined, and then the corresponding supervision means is utilized to supervise the data of the account in the product contract according to the priority sequence.
In the device for implementing the invention, the supervision means comprises at least one of black and white list control, balance list control, transaction amount control and account-coming freezing/prepayment.
In the implementation device of the invention, the account of the supervision object and the account of the supervised object belong to the same account management mechanism.
In the implementation device of the invention, the account of the supervision object and the account of the supervised object belong to different account management organizations.
In addition, the detailed implementation of the device in the embodiment of the present invention has been described in detail in the above method, so that the repeated description is not repeated here.
FIG. 8 illustrates an exemplary system architecture 800 to which embodiments of the invention may be applied.
As shown in fig. 8, the system architecture 800 may include terminal devices 801, 802, 803, a network 804, and a server 805 (by way of example only). The network 804 serves to provide a medium for communication links between the terminal devices 801, 802, 803 and the server 805. Network 804 may include various types of connections, such as wire, wireless communication links, or fiber optic cables, to name a few.
A user may use the terminal devices 801, 802, 803 to interact with a server 805 over a network 804 to receive or send messages or the like. Various communication client applications may be installed on the terminal devices 801, 802, 803.
The terminal devices 801, 802, 803 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop portable computers, desktop computers, and the like.
The server 805 may be a server that provides various services, such as a back-office management server (for example only) that supports shopping-like websites browsed by users using the terminal devices 801, 802, 803.
It is to be noted that the method provided by the embodiment of the present invention is generally executed by the server 805, and accordingly, the apparatus is generally disposed in the server 805.
It should be understood that the number of terminal devices, networks, and servers in fig. 8 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.
Referring now to FIG. 9, shown is a block diagram of a computer system 900 suitable for use with a terminal device implementing an embodiment of the present invention. The terminal device shown in fig. 9 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present invention.
As shown in fig. 9, the computer system 900 includes a Central Processing Unit (CPU)901 that can perform various appropriate actions and processes in accordance with a program stored in a Read Only Memory (ROM)902 or a program loaded from a storage section 908 into a Random Access Memory (RAM) 903. In the RAM 903, various programs and data necessary for the operation of the system 900 are also stored. The CPU 901, ROM 902, and RAM 903 are connected to each other via a bus 904. An input/output (I/O) interface 905 is also connected to bus 904.
To the I/O interface 905, AN input section 906 including a keyboard, a mouse, and the like, AN output section 907 including a device such as a Cathode Ray Tube (CRT), a liquid crystal display (L CD), and the like, a speaker, and the like, a storage section 908 including a hard disk, and the like, and a communication section 909 including a network interface card such as a L AN card, a modem, and the like, the communication section 909 performs communication processing via a network such as the internet, a drive 910 is also connected to the I/O interface 905 as necessary, a removable medium 911 such as a magnetic disk, AN optical disk, a magneto-optical disk, a semiconductor memory, and the like is mounted on the drive 910 as necessary, so that a computer program read out therefrom is mounted into the storage section 908 as necessary.
In particular, according to the embodiments of the present disclosure, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method illustrated in the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network through the communication section 909, and/or installed from the removable medium 911. The above-described functions defined in the system of the present invention are executed when the computer program is executed by a Central Processing Unit (CPU) 901.
It should be noted that the computer readable medium shown in the present invention can be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present invention, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In the present invention, however, a computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.
The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The modules described in the embodiments of the present invention may be implemented by software or hardware. The described modules may also be provided in a processor, which may be described as: a processor includes an object acquisition module, a product contract module, and a data policing module. Where the names of these modules do not in some cases constitute a limitation on the modules themselves, for example, a data administration module may also be described as a "module that administers data within an account".
As another aspect, the present invention also provides a computer-readable medium that may be contained in the apparatus described in the above embodiments; or may be separate and not incorporated into the device. The computer readable medium carries one or more programs which, when executed by a device, cause the device to comprise:
receiving an account data supervision request, and acquiring a supervision object and a supervised object in the account data supervision request;
extracting and displaying a list of supervision modes, in response to a selection operation of one supervision mode in the list, to generate a product contract based on supervision rules in the supervision mode;
recording the account of the administrative object and the account of the supervised object into the product contract, and responding to the selection operation of the administrative means to perform data supervision on the account in the product contract by using the selected administrative means.
According to the technical scheme of the embodiment of the invention, compared with the prior art, the method has the following beneficial effects:
1) aiming at the supervision requirement, an account architecture mode is innovatively developed, product contracts are customized according to supervision rules, supervision data are finally presented in the modes of information reports and the like by combining a multi-dimensional supervision means, and a multi-dimensional, personalized and full-flow supervision service system is integrally constructed;
2) the information of the monitored party and the monitoring party is checked based on the checking workflow of the monitoring party, so that the purpose of flow control is realized, the accuracy of the information is monitored, and the purpose of account safety monitoring is achieved;
3) for group-class and mother-child-class multi-level accounts, based on an account level tree, level construction is carried out on accounts of a supervisor and a supervised party, multi-level account supervision is realized, and an account structure relationship has visual and clear effects on a level structure;
4) the method is optimized on the basis that the user directly selects the supervision means, so that the supervision means are matched through the common attributes of the supervisor account and the supervised account, and when the subsequent user selects, only the matched supervision means are needed to be selected, so that compared with the problem that the supervision means are uncomfortable due to the fact that the existing user directly selects, the selection accuracy is improved on the basis of reducing the number of the user selection means, and further the effectiveness of follow-up account data supervision is improved.
The above-described embodiments should not be construed as limiting the scope of the invention. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions can occur, depending on design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (16)
1. An account data administration method, comprising:
receiving an account data supervision request, and acquiring a supervision object and a supervised object in the account data supervision request;
extracting and displaying a list of supervision modes, in response to a selection operation of one supervision mode in the list, to generate a product contract based on supervision rules in the supervision mode;
recording the account of the administrative object and the account of the supervised object into the product contract, and responding to the selection operation of the administrative means to perform data supervision on the account in the product contract by using the selected administrative means.
2. The method of claim 1, wherein generating a product contract based on regulatory rules in the regulatory mode further comprises:
a list of the oversight rules in the oversight mode is extracted and displayed, responsive to a selection operation of at least one oversight rule in the list, to generate a product contract based on the oversight rule selected in the oversight mode.
3. The method of claim 1, wherein the product contract records conditions specific to when a saleable product is provided to the regulatory authority, and wherein the regulatory authority is one of a co-regulatory mode, a third party regulatory mode, and a self-regulatory mode.
4. The method of claim 1, wherein said recording the account of the administrative object and the account of the supervised object into the production contract, further comprises:
acquiring the information of the monitored object and transmitting the information to an auditing system of the monitored object so as to audit the information and the information of the monitored object through an auditing workflow in the auditing system to obtain an auditing result;
and receiving an auditing result fed back by the auditing system, and recording the account of the supervision object and the account of the supervised object into the product contract if the auditing result is passed.
5. The method of claim 4, wherein the audit workflow includes a plurality of audit departments;
the auditing the information and the information of the monitored object through an auditing workflow in the auditing system to obtain an auditing result comprises the following steps:
and rechecking the information and the information of the monitored object in sequence according to the hierarchical relation among the auditing departments, and auditing the rechecking result to obtain an auditing result.
6. The method of claim 1, wherein said recording the account of the administrative object and the account of the supervised object into the production contract comprises:
determining a first node at which a single administrative object is located in an object hierarchy tree to record an account of the single administrative object at the first node; wherein the object hierarchy tree is located in the production contract; and
determining a second node at which a single supervised object is located in an object hierarchy tree to record an account of the single supervised object at the second node.
7. The method of claim 1 or 6, wherein said recording the account of the administrative object and the account of the supervised object into the production contract further comprises:
and according to the hierarchical relationship among the supervision objects, the hierarchical relationship among the supervised objects and the supervision relationship among the supervision objects and the supervised objects, carrying out account hierarchy building on the accounts recorded at the nodes to obtain an account hierarchy tree.
8. The method of claim 1, wherein the responding to the selection of the curation to data curate the account in the product contract with the selected curation comprises:
acquiring the attribute of the account of the supervision object and the attribute of the account of the supervised object, and determining the common attribute of the supervision object and the account of the supervised object;
and determining the supervision means corresponding to the common attribute based on the corresponding relation between the attribute and the supervision means so as to perform data supervision on the account in the product contract by utilizing the determined supervision means.
9. The method of claim 8, wherein the data governance of the account in the production contract using the determined governance approach further comprises:
in response to selection of at least one of the determined curations, to data curate an account in the product contract with the at least one curation.
10. The method of claim 1, wherein the data governance of the account in the product contract using the selected governance instrument, further comprising:
if the number of the selected supervision means is multiple, the arrangement priority of each supervision means in the supervision means compatible relationship is determined, and then the corresponding supervision means is utilized to supervise the data of the account in the product contract according to the priority sequence.
11. The method of claim 1, wherein the supervisory means comprises at least one of blacklist control, balance list control, transaction amount control, incoming freeze/prepayment.
12. The method of claim 1, wherein the account of the administrative object and the account of the administered object belong to the same account authority.
13. The method of claim 1, wherein the account of the administrative object and the account of the administered object belong to different account authorities.
14. An account data escrow apparatus, comprising:
the object acquisition module is used for receiving an account data supervision request and acquiring a supervision object and a supervised object in the account data supervision request;
a product contract module for extracting and displaying the supervision mode list, responding to the selection operation of one supervision mode in the list, and generating a product contract based on the supervision rule in the supervision mode;
and the data supervision module is used for recording the account of the supervision object and the account of the supervised object into the product contract and responding to the selection operation of the supervision means so as to carry out data supervision on the account in the product contract by using the selected supervision means.
15. An electronic device, comprising:
one or more processors;
a storage device for storing one or more programs,
when executed by the one or more processors, cause the one or more processors to implement the method of any one of claims 1-13.
16. A computer-readable medium, on which a computer program is stored, which, when being executed by a processor, carries out the method according to any one of claims 1-13.
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| CN101556718A (en) * | 2009-05-21 | 2009-10-14 | 中国建设银行股份有限公司 | Multistage account fund management system and device |
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