CN111815316A - Own fund limit prediction method and device, electronic equipment and storage medium - Google Patents
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Abstract
The embodiment of the invention provides a method, a device, electronic equipment and a storage medium for predicting own fund limit, and solves the technical problems that the prediction of own fund limit is inaccurate in the related technology, and the probability of the increase of the standby payment bedding behavior caused by the insufficient own fund limit is increased. According to the method for predicting the own fund limit provided by the embodiment of the invention, the accuracy of predicting the own fund limit is greatly improved within half an hour after the current payment transaction by predicting the payment channel of the current payment transaction, calculating the whole payment amount of the current payment transaction into the first amount, and then comparing the first amount with the preset early warning value. After the actual running water fed back by the Unionpay is received, the first amount of money is revised again to generate a second amount of money, the second amount of money is compared with the preset early warning value, the actual use condition of the own fund can be corrected by the second amount of money, and the accuracy of predicting the own fund amount is further improved.
Description
[ technical field ] A method for producing a semiconductor device
The invention relates to the technical field of finance, in particular to a method and a device for predicting own fund amount, electronic equipment and a storage medium.
[ background of the invention ]
With the development of the internet, besides the traditional bank system, a plurality of different payment platforms, such as platforms for WeChat payment, Payment treasure payment, etc., are also on the market, but whatever payment platform is, a payment channel corresponding to the payment entrance is required, for example, the payment entrance of the bank includes different payment channels, when a merchant uses a UnionPay to perform fund settlement, the merchant fund settlement way does not settle the merchant fund to the bank account because of the UnionPay, the bank needs to be charged for money in advance, the merchant is paid with the own fund, but when the fund is paid through the UnionPay channel, the UnionPay autonomously selects to pay the fund through different payment channels (such as the UnionPay channel or the human channel) at the back end according to the own business rules, but the behavior of paying the fund payment occurs because of insufficient amount, in order to prevent the insufficient amount of the own funds, an early warning value is often set, when the total payment amount of the payment channel reaches the early warning value, an early warning prompt is given, the calculation of the paid amount is often calculated according to running water, but the running water file is fed back every half hour at the fixed time of the UnionPay, so that once the payment transaction is carried out again in the half hour from the time of carrying out one payment transaction to the time of feeding back the running water, the paid amount is calculated by using the related technology, the calculated paid amount is smaller than the actually paid amount, the prediction of the own funds amount is inaccurate, and the probability of the payment-backing behavior caused by the insufficient funds of the own amounts is increased.
[ summary of the invention ]
In view of this, embodiments of the present invention provide a method, an apparatus, an electronic device and a storage medium for predicting an owned fund amount, which solve the technical problems in the related art that prediction of the owned fund amount is not accurate and the probability of a prepaid money bedding behavior caused by insufficient owned fund amount is increased.
As one aspect of the embodiments of the present invention, an embodiment of the present invention provides a method for predicting an own fund limit, including:
predicting a predicted payment channel of the first account according to first account information of the current payment transaction;
calculating a predicted paid transaction amount for the predicted payment channel, generating a first amount comprising an actual paid transaction amount for the predicted payment channel and a transaction amount for the current payment transaction;
acquiring the transaction flow of the first account, and correcting the first amount according to the transaction flow to generate a second amount;
judging whether the first amount or the second amount is larger than a preset early warning value or not;
when the second amount is larger than the preset early warning value or the first amount is larger than the preset early warning value, sending first information;
wherein, the first information is used for prompting that the own fund limit is insufficient.
In an embodiment of the present invention, after the sending the first warning message, the method for predicting the fund amount further includes:
acquiring the remittance amount of the predicted payment channel;
correcting the second amount according to the remitted amount to generate a third amount;
judging whether the third amount is larger than the preset early warning value or not;
when the third amount is smaller than or equal to the preset early warning value, sending second information;
wherein, the second information is used for prompting that the own fund limit is sufficient.
In an embodiment of the present invention, the predicting a predicted payment channel of the first account according to the current first account information includes:
acquiring a historical transaction table of a first account according to first account information of current payment transaction, wherein the historical transaction table comprises a first date, a transaction serial number and a transaction channel corresponding to the transaction serial number;
judging whether the transaction times in the historical transaction table are greater than one;
when the transaction times in the historical transaction table are more than one, assigning a value to a payment channel of each transaction in a first preset time period according to a first date, a transaction serial number and a transaction channel type in the historical transaction table, and generating a weight of the payment channel of each transaction in the first preset time period; and
and determining a predicted payment channel of the first account according to the weight of the payment channel of each transaction in the first preset time period.
In an embodiment of the present invention, assigning a value to a payment channel for each transaction in a first preset time period, and generating a weight of the payment channel for each transaction in the first preset time period includes:
judging whether the transaction frequency in the historical transaction table within the time period of the first date which is the same as the current date is less than one;
and when the transaction frequency in the historical transaction table within a first date which is the same as the current date is less than one, the first preset time period comprises at least one second preset time period, and the payment channel of each transaction within the at least one second preset time period is respectively assigned to generate the weight of the payment channel of each transaction within each second preset time period.
In an embodiment of the present invention, the assigning the payment channel for each transaction in the at least one second preset time period includes:
in two adjacent second preset time periods, a first numerical value is given to a payment channel in each transaction in the second preset time period close to the current date;
giving a second numerical value to the payment channel of each transaction in a second preset time period far away from the current date;
wherein the first value is greater than the second value.
In an embodiment of the present invention, assigning a value to a payment channel for each transaction in a first preset time period, and generating a weight of the payment channel for each transaction in the first preset time period, further includes:
when the transaction times in the historical transaction table within the time period of the first date which is the same as the current date are equal to one, the first preset time period is the time period of the current date, the payment channel of one transaction within the time period of the current date is assigned, and the weight of the payment channel of one transaction within the time period of the current date is generated.
In an embodiment of the present invention, assigning a value to a payment channel for each transaction in a first preset time period, and generating a weight of the payment channel for each transaction in the first preset time period, further includes:
when the transaction times in the historical transaction table within the time period of the first date which is the same as the current date are more than one, judging whether the transaction channels of each transaction within the time period of the first date which is the same as the current date in the historical transaction table are the same;
when transaction channels of each transaction occurring in a time period of a first date which is the same as the current date in the historical transaction table are the same, the first preset time period is the time period of the current date, the transaction channels of each transaction in the time period of the current date are assigned, and the weight of the payment channel of each transaction in the time period of the current date is generated.
In an embodiment of the present invention, assigning a value to a payment channel for each transaction in a first preset time period, and generating a weight of the payment channel for each transaction in the first preset time period, further includes:
when transaction channels of at least two transactions occurring in the historical transaction table within a time period of a first date which is the same as the current date are different, the first preset time period comprises the time period of the current date and at least one third preset time period, the payment channels of the time period of the current date and the payment channels of each transaction within the at least one third preset time period are respectively assigned, and the weight of the payment channels of each transaction within the time period of each current date and within the third preset time period is generated.
In an embodiment of the present invention, the assigning the value to the payment channel at each transaction in the time period of the current date and the at least one third preset time period respectively includes:
assigning a third value to the payment channel of each transaction in the time period of the current date;
in two adjacent third preset time periods, a fourth numerical value is given to a payment channel in each transaction in a second preset time period close to the current date;
assigning a fifth numerical value to the payment channel of each transaction in a third preset time period away from the current date;
wherein the third value is greater than the fourth value, and the fourth value is greater than the fifth value.
In an embodiment of the present invention, determining a predicted payment channel of the first account according to the weight of the payment channel of each transaction in the first preset time period includes:
respectively calculating the total weight of each payment channel according to the weight of the payment channel of each transaction in the first preset time period;
and determining a payment channel with the maximum total weight according to the total weight of each payment channel, wherein the payment channel with the maximum total weight is a predicted payment channel of the first account.
In an embodiment of the present invention, when the transaction number in the historical transaction table is equal to one, the predicted payment channel of the first account is predicted according to the first account information of the current payment transaction. The method comprises the following steps:
and the payment channel of the transaction in the historical transaction table is the predicted payment channel of the first account.
In an embodiment of the present invention, when the transaction times in the historical transaction table are less than one, the predicting a payment channel of the first account according to the first account information of the current payment transaction includes:
and determining a predicted payment channel of the first account according to the length of the user name of the first account.
In an embodiment of the present invention, the method for predicting own fund amount further includes:
judging whether the current transaction is the first transaction of the first account within the current date;
when the current transaction is the first transaction in the current date, acquiring a preset relation table, wherein the preset relation table comprises a second account and a payment channel corresponding to the second account;
inquiring whether a second account identical to the first account exists in the preset relation table;
and when a second account which is the same as the first account does not exist in the preset relation table, determining a predicted payment channel of the first account according to the account name length of the first account.
In an embodiment of the present invention, when a second account identical to the first account exists in the preset relationship table, it is determined that the predicted payment channel of the first account is a predicted payment channel corresponding to the second account.
In an embodiment of the present invention, when the current transaction is not the first transaction of the first account within the current date, a historical transaction table of the first account is obtained according to the current first account information, where the historical transaction table includes the first date, a transaction serial number, and a transaction channel corresponding to the transaction serial number.
In an embodiment of the present invention, after determining the payment channel of the first account according to the weight of the payment channel of each transaction in the first preset time period, the method for predicting the own fund amount further includes:
and at the preset time of the current date, counting according to transaction channels of each transaction of all third accounts in the time period of the current date, determining a predicted payment channel of each third account, and updating the preset relation table.
As a second aspect of the present invention, an embodiment of the present invention provides an own fund amount prediction apparatus, including:
the payment channel prediction unit is used for predicting a predicted payment channel of the first account according to first account information of the current payment transaction;
a calculation unit, configured to calculate a predicted paid transaction amount of the predicted payment channel, and generate a first amount, where the first amount includes an actual paid transaction amount passing through the predicted payment channel and a transaction amount of the current payment transaction;
the correction unit is used for acquiring the transaction flow of the first account, correcting the first amount according to the transaction flow and generating a second amount;
the judging unit is used for judging whether the second amount is larger than a preset early warning value or not;
the information sending unit is used for sending out first information when the second amount is larger than the preset early warning value;
wherein, the first information is used for prompting that the own fund limit is insufficient.
As a third aspect of the present invention, an embodiment of the present invention provides a computer-readable storage medium, including a storage medium; the storage medium stores a computer program, wherein the computer program is used for executing the own fund limit prediction method.
As a fourth aspect of the present invention, an embodiment of the present invention provides an electronic apparatus, including: a processor; a memory for storing the processor-executable instructions; the processor is used for executing the self-owned fund limit prediction method.
According to the method for predicting the own fund limit provided by the embodiment of the invention, the payment channel of the current payment transaction is predicted, the payment amount of the current payment transaction is fully calculated into the first amount, then the first amount is compared with the preset early warning value, when the first amount is larger than the preset early warning value, a prompt of insufficient own fund limit can be sent, the accuracy of predicting the own fund limit is greatly improved within half an hour after the current payment transaction, and the probability of the behavior of paying for the margin caused by the insufficient own fund limit is greatly reduced. After the actual running water fed back by the Unionpay is received, the first amount of money is revised again to generate a second amount of money, and the second amount of money is compared with the preset early warning value, so that the used amount of money compared with the preset early warning value can be more against the actual own fund use condition, and therefore, the accuracy of predicting the own fund amount is further improved.
[ description of the 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, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.
Fig. 1 is a schematic flow chart illustrating a method for predicting an own fund amount according to an embodiment of the present invention;
FIG. 2 is a schematic flow chart illustrating a method for predicting an owned fund amount according to another embodiment of the present invention;
FIG. 3 is a flow chart illustrating a method for predicting an owned fund amount according to another embodiment of the present invention;
FIG. 4 is a flow chart illustrating a method for predicting an owned fund amount according to another embodiment of the present invention;
FIG. 5 is a flow chart illustrating a method for predicting an owned fund amount according to another embodiment of the present invention;
fig. 6 is a schematic structural diagram of an own fund amount prediction device according to an embodiment of the present invention.
[ detailed description ] embodiments
For better understanding of the technical solutions of the present invention, the following detailed descriptions of the embodiments of the present invention are provided with reference to the accompanying drawings.
It should be understood that the described embodiments are only some embodiments of the invention, and not all embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
The terminology used in the embodiments of the invention is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. As used in the examples of the present invention and the appended claims, the singular forms "a," "an," and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise.
It should be understood that the term "and/or" as used herein is merely one type of association that describes an associated object, meaning that three relationships may exist, e.g., a and/or B may mean: a exists alone, A and B exist simultaneously, and B exists alone. In addition, the character "/" herein generally indicates that the former and latter related objects are in an "or" relationship.
Fig. 1 is a schematic flow chart of a method for predicting own fund amount according to an embodiment of the present invention, as shown in fig. 1, the method for predicting own fund amount includes the following steps:
step S101: predicting a predicted payment channel of a first account according to first account information of the current payment transaction;
when a payment transaction needs to be carried out on a current first account, firstly, a predicted payment channel of the first account needs to be predicted;
step S102: calculating a predicted paid transaction amount for the predicted payment channel, generating a first amount, wherein the first amount comprises the amount of the paid transaction that has actually been generated and the amount to be paid for the current payment transaction; for example, if the predicted payment channel actually has paid 100 ten thousand for the transaction amount and the current payment transaction requires 10 thousand for the transaction amount, then the predicted payment channel has a predicted paid transaction amount of 110 thousand.
The payment of the payment transaction is completed within a half hour between the union pay feedback pipelines, once the payment transaction exists, the first amount can be compared with the preset early warning value, when the first amount is larger than the preset early warning value, a prompt of insufficient own fund amount can be sent out, within a half hour after the current payment transaction, the accuracy of predicting the own fund amount is greatly improved, and the probability of the payment due bedding behavior caused by the insufficient own fund amount is greatly reduced.
When the flow of Unionpay feedback is received, the predicted amount of the paid transaction can be corrected, step S103 is executed, that is
Step S103: acquiring a transaction flow of a first account, and correcting a first amount according to the transaction flow to generate a second amount;
since the payment channel of the first account is predicted in step S102, in fact, the payment channel of the first account may be at least one payment channel, for example, two payment channels, namely a pedestrian payment channel and a unionpay payment channel (for example, 8 ten thousand are paid through the pedestrian payment channel and 2 ten thousand are paid through the unionpay payment channel), or only 10 ten thousand are paid through the pedestrian payment channel, or only 10 ten thousand are paid through the unionpay payment channel. Thus, the first amount is greater than or equal to the second amount.
Step S104: judging whether the second amount is larger than a preset early warning value or not;
when the second amount is greater than the preset warning value, step S105 is executed, that is
Step S105: sending out first information; wherein, the first information is used for prompting that the own fund limit is insufficient. The second amount is re-corrected by receiving the real running water fed back by the Unionpay, so that the used amount compared with the preset early warning value can be more against the actual own fund use condition, and the early warning is more accurate.
When the second amount is less than or equal to the preset warning value, step S106 is executed, that is
Step S106: and sending second information, wherein the second information is used for prompting that the own fund limit is sufficient.
The method for predicting the own fund limit provided by the embodiment of the invention has the advantages that the payment channel of the current payment transaction is predicted, the payment amount of the current payment transaction is fully calculated into the first amount through the step S102, then the first amount is compared with the preset early warning value, when the first amount is larger than the preset early warning value, the prompt of insufficient own fund limit can be sent out, the accuracy of predicting the own fund limit is greatly improved within half an hour after the current payment transaction, and the probability of the behavior of cushion payment of the own fund caused by the insufficient own fund limit is greatly reduced. After the actual running water fed back by the Unionpay is received, the first amount of money is revised again to generate a second amount of money, and the second amount of money is compared with the preset early warning value, so that the used amount of money compared with the preset early warning value can be more against the actual own fund use condition, and therefore, the accuracy of predicting the own fund amount is further improved.
In practical applications, the payment channel is not only used for payment but also used for remitting funds, so in an embodiment of the present invention, as shown in fig. 2, after step S105, the method for predicting the own fund amount further includes:
step S107: acquiring the remittance amount of the predicted payment channel;
step S108: correcting the second amount according to the remitted amount to generate a third amount;
step S109: judging whether the third amount is larger than the preset early warning value or not;
when the third amount is greater than the preset warning value, step S105 is performed, i.e.
Step S105: sending out first information; wherein, the first information is used for prompting that the own fund limit is insufficient.
When the third amount is less than or equal to the preset warning value, step S106 is executed, that is
Step S106: and sending second information, wherein the second information is used for prompting that the own fund limit is sufficient, namely the early warning is relieved.
When the third amount is smaller than or equal to the preset early warning value, sending second information;
wherein, the second information is used for prompting that the own fund limit is sufficient.
However, it is necessary to correct the second amount of money not only when there is an amount of money to be remitted after step S105 but also when there is an amount of money to be remitted after step S106 without going through step S107 to step S109.
The embodiment of the invention provides a self-owned fund limit prediction method. The paid amount can be corrected in real time according to the payment and remittance of the prediction channel, the accuracy of the prediction of the own fund amount is further improved, and the probability of the back-up payment bedding behavior caused by insufficient own fund amount is further reduced.
In an embodiment of the present invention, as shown in fig. 3, step S101 (predicting a payment channel of the first account according to the current first account information) specifically includes the following steps:
step S1011: acquiring a historical transaction table of a first account according to first account information of the current payment transaction, wherein the historical transaction table comprises a first date, a transaction serial number and a transaction channel corresponding to the transaction serial number; for example, the historical transaction table includes: the first date (19/01/2020), the transaction number (e.g., 1, 2, 3), the transaction channel (e.g., pedestrian channel or Unionpay channel), specifically, for example, one piece of transaction information in the historical transaction table is: 19 days in the year 2020, 01 and 1 st transaction, Unionpay channel; 19 days in the year of 2020, 01 and 4 th transaction and pedestrian passage; 22 days 01 and 2020, transaction No. 3 and Unionpay channel.
Step S1012: judging whether the transaction times in the historical transaction table are more than one;
that is, it is determined whether the number of transaction information in the historical transaction table is greater than one.
When the number of transactions in the historical transaction table is greater than one, step S1013 is performed, i.e.
Step S1013: assigning a value to a payment channel of each transaction in a first preset time period according to a first date, a transaction serial number and a transaction channel type in a historical transaction table, and generating a weight of the payment channel of each transaction in the first preset time period; and
step S1014: and determining a predicted payment channel of the first account according to the weight of the payment channel of each transaction in the first preset time period.
When the number of transactions in the historical transaction table is less than or equal to one, step S1014 is performed, i.e.
Step S1015: judging whether the transaction times in the historical transaction table are equal to one;
when the number of transactions in the historical transaction table is equal to one, step S1016 is performed, i.e.
Step S1016: and determining a payment channel of the transaction in the historical transaction table as a predicted payment channel of the first account.
When the transaction number in the history transaction table is not equal to one, i.e., equal to 0, step S1017 is performed, i.e., step S1017: and determining a predicted payment channel of the first account according to the length of the user name of the first account.
The historical transaction table does not contain transaction information of the first account, which indicates that the first account is a first transaction, and therefore, a predicted payment channel of the first account is determined according to the length of the first account, for example, the predicted payment channel of the first account is determined according to the number of Chinese characters contained in the first account, and specifically, when the number of Chinese characters contained in the name of the first account is greater than 4, the predicted payment channel of the first account is determined to be a pedestrian channel; and when the number of the Chinese characters contained in the name of the first account is less than or equal to 4, determining that the predicted payment channel of the first account is a Unionpay channel.
According to the embodiment of the invention, the accuracy of the predicted payment channel is increased by calculating the weight of each transaction according to the transaction date, the transaction times and the weight of the payment channel of each transaction through all transactions in the paid transaction table of the first account within a first preset time period (for example, within thirty days).
In an embodiment of the present invention, as shown in fig. 4, a specific method for assigning a value to a payment channel for each transaction in a first preset time period may include the following steps, that is, step S1013 further includes the following steps:
step (1): judging whether the transaction frequency in the historical transaction table within the time period of the first date which is the same as the current date is less than one;
namely, the date of the current transaction is the current date, namely the time of the current transaction is 04/23/2020, then the current date is 04/23/2020, then step (1) is to determine whether the transaction frequency of the account is less than one by 04/23/2020 in the historical transaction table.
When less than one, i.e. the time of day in the historical transaction list is before the payment transaction, no transaction occurs, e.g. the time of day 04 in 2020 is before 23 days of the payment transaction, the first account is not transacted, i.e. step (2) is performed, i.e.
Step (2): the first preset time period comprises at least one second preset time period, the payment channel of each transaction in the at least one second preset time period is assigned, and the weight of the payment channel of each transaction in the second preset time period is generated.
Namely, the first preset time period is divided into a plurality of time periods, and the payment channel of the transaction in each time period is assigned to generate the weight of the payment channel in each time period.
It should be understood that the second preset time period may be any time, and the time length of each second preset time period in the first preset time period may be the same or different.
Specifically, for example, all transactions before 23.04.2020 and within thirty days are divided according to three time periods including seven days, seven days to fifteen days, and fifteen days to thirty days, then the payment channel of each transaction within seven days is assigned, the payment channel of each transaction within seven days to fifteen days is assigned, and the payment channel of each transaction within fifteen days to thirty days is assigned, so that the weight of the payment channel of each transaction within the first preset time period can be generated. The transaction channels are respectively assigned according to different time periods, the weight of the payment channel of each transaction in different time periods is generated, the predicted payment channel of the first account is determined, and the accuracy of the predicted payment channel of the first account is improved.
Optionally, in two adjacent second preset time periods, a first numerical value is assigned to each payment channel in each transaction in the second preset time period close to the current date; giving a second numerical value to the payment channel of each transaction in a second preset time period far away from the current date; wherein the first value is greater than the second value.
For example, the payment channel for each transaction for seven days is weighted 1, the payment channel for each transaction for seven to fifteen days is weighted 0.7, and the payment channel for each transaction for fifteen to thirty days is weighted 0.5. The payment channel of the transaction closest to the current date is mainly considered, and the accuracy of the predicted payment channel of the first account is further improved.
It should be understood that the weight of the payment channel of each transaction in each second preset time period may also be respectively assigned according to the distance from the current date, for example, the weight of the payment channel of the transaction closer to the current date is greater, and the weight of the payment channel of the transaction farther from the current date is smaller, specifically, for example, in each transaction in seven days, the weight of the payment channel of the transaction in the first day is 1, the weight of the payment channel of the transaction in the second day is 0.9, and the weight of the payment channel of the transaction in the third day is 0.8.
When the transaction number occurring in the time period of the first date which is the same as the current date in the historical transaction table is judged to be not less than one, namely, greater than or equal to one in the step (1), the transaction number occurring in the time period of the first date which is the same as the current date in the historical transaction table is judged to be not equal to one, namely, the step (3) is executed, namely, the transaction number occurring in the time period of the first date which is the same as the current date in the historical transaction table is judged to
And (3): judging whether the transaction times in the historical transaction table within the time period of the first date which is the same as the current date are equal to one or not;
when the judgment result in the step (3) is equal to one, the step (4) is executed, namely
And (4): the first preset time period is the time period of the current date, the value is assigned to the payment channel of the primary transaction in the time period of the current date, the weight of the payment channel of the primary transaction in the time period of the current date is generated, namely the predicted payment channel of the first user is determined as the payment channel of the primary transaction occurring in the time period of the first date which is the same as the current date in the historical transaction table. Since the transaction frequency of the current date is one, and the first preset time is the time period of the current date, no matter how the weight of the payment channel of the transaction in the time period of the current date is assigned, the payment channel of the transaction is the predicted payment channel of the first account.
When the judgment result in the step (3) is not equal to one, namely greater than one, the step (5) is executed, namely
And (5): judging whether transaction channels of each transaction occurring in a time period of a first date which is the same as the current date in the historical transaction table are the same or not;
for example, whether the payment channel for each transaction that occurs with the first account within 23/04 of 2020 is the same.
When the judgment result in the step (5) is yes, namely the judgment results are the same, the step (6) is executed, namely
And (6): and the first preset time period is the time period of the current date, the transaction channel of each transaction in the time period of the current date is assigned, and the weight of the payment channel of each transaction in the time period of the current date is generated, namely the predicted payment channel of the first account is determined as the payment channel of any transaction in the time period of the current date. Since the payment channel type of each transaction in the time period of the current date is the same, the predicted payment channel of the first account is the payment channel of any transaction of the current date no matter how the weight of the payment channel of each transaction is assigned.
When the judgment result in the step (5) is different, namely the transaction channels of at least two transactions occurring in the time period of the first date which is the same as the current date in the historical transaction table are different, the step (7) is executed, namely
And (7): the first preset time period comprises a current date time period and at least one third preset time period, the payment channels in each transaction in the current date time period and the at least one third preset time period are respectively assigned, and the weight of the payment channel in each transaction in the current date time period and the third preset time period is generated.
Namely, the time period of the current date of the first preset time period and a plurality of third time periods, and the payment channel of the transaction in each time period in the first time period is assigned to generate the weight of the payment channel in each time period.
Similarly, the third preset time period may be any time, and the time length of each third preset time period in the first preset time period may be the same or different.
Specifically, for example, thirty days are divided into: the method comprises the steps of dividing three time periods within 23 days of 04 in 2020, within seven days to fifteen days and within fifteen days to thirty days, then respectively carrying out assignment on a payment channel of each transaction within 23 days of 04 in 2020, carrying out assignment on the payment channel of each transaction within seven days to fifteen days, carrying out assignment on the payment channel of each transaction within fifteen days to thirty days, and generating the weight of the payment channel of each transaction within a first preset time period. The transaction channels are respectively assigned according to different time periods, the weight of the payment channel of each transaction in different time periods is generated, the predicted payment channel of the first account is determined, and the accuracy of the predicted payment channel of the first account is improved.
Optionally, a third numerical value is assigned to the payment channel of each transaction in the current date, and a fourth numerical value is assigned to the payment channel of each transaction in a third preset time period close to the current date in two adjacent third preset time periods; assigning a fifth numerical value to the payment channel of each transaction in a third preset time period far away from the current date; wherein the third value is greater than the fourth value, which is greater than the fifth value.
For example, the payment channel for each transaction on the current date may be weighted 1, the payment channel for each transaction on seven days may be weighted 0.9, the payment channel for each transaction on seven to fifteen days may be weighted 0.7, and the payment channel for each transaction on fifteen to thirty days may be weighted 0.5. The payment channels of the transactions in the current date and the payment channels of the transactions closest to the current date are mainly considered, and the accuracy of the predicted payment channels of the first account is further improved.
It should be understood that the weight of the payment channel of each transaction in each third preset time period may also be respectively assigned according to the distance from the current date, for example, the weight of the payment channel of the transaction closer to the current date is greater, and the weight of the payment channel of the transaction farther from the current date is smaller, specifically, for example, in each transaction in seven days, the weight of the payment channel of the transaction in the first day is 0.98, the weight of the payment channel of the transaction in the second day is 0.92, and the weight of the payment channel of the transaction in the third day is 0.9.
The steps (1) to (7) are specific steps of generating the weight of the payment channel for each transaction in the first preset time period (i.e., step S1013), and then determining the predicted payment channel for the first account according to the weight of the payment channel for each transaction in the first preset time period (i.e., step S1014) specifically includes the following steps:
step a: respectively calculating the total weight of each payment channel according to the weight of the payment channel of each transaction in a first preset time period;
step b: determining a payment channel with the maximum total weight according to the total weight of each payment channel, wherein the payment channel with the maximum total weight is a payment channel of a first account;
specifically, the formula for calculating the weight of a payment type is equal to: multiplying the times of the payment channel by the weight, and dividing the times by the total times of the payment channel;
for example, the transaction times of the time period of the current date are 3, wherein the transaction channels of 2 transactions are pedestrian channels, the weight of each pedestrian channel of 2 transactions is 1, the transaction channels of 1 transaction are unionpay channels, and the weight of each unionpay channel is 1;
the number of transactions in seven days is 10, wherein the transaction channels of 6 transactions are pedestrian channels, the weight of each pedestrian channel of 6 transactions is 0.7, the transaction channels of 4 transactions are Unionpay channels, and the weight of each Unionpay channel of 4 transactions is 0.7;
the transaction times in seven to fifteen days are 15, wherein the transaction channels of 10 transactions are pedestrian channels, the weight of the pedestrian channels of 10 transactions is 0.4, the transaction channels of 5 transactions are Unionpay channels, and the weight of the Unionpay channels of 5 transactions is 0.4;
the transaction times within fifteen to thirty days are 20, wherein the transaction channels of 16 transactions are pedestrian channels, the weight of the pedestrian channels of 16 transactions is 0.1, the transaction channels of 4 transactions are Unionpay channels, and the weight of the Unionpay channels of 4 transactions is 0.1;
the calculation method of the weight of the pedestrian passageway is as follows: (2 × 1+6 × (0.7) +10 × (0.4) +16 × (0.1))/34 ═ 0.35;
the calculation method of the weight of the UnionPay channel is as follows: (1 x 1+4 (0.7) +5 x (0.4) +4 x (0.1))/13 ═ 0.48
Since 0.48 is greater than 0.35, the predicted payment channel for the first account is the unionpay channel.
The above describes a specific determination method of the predicted payment channel of the first account.
In an embodiment of the present invention, to further simplify the method for determining the predicted payment channel, as shown in fig. 5, before step S1011, the method for determining the predicted payment channel further includes the following steps:
step S1001: judging whether the current transaction is the first transaction of the first account within the current date;
when the result of the determination in step S1001 is yes, that is, when the current transaction is the first transaction of the first account within the current date, step S1002 is executed, that is
Step S1002: acquiring a preset relation table, wherein the preset relation table comprises a second account and a payment channel corresponding to the second account;
step S1003: inquiring whether a second account identical to the first account exists in a preset relation table;
when a second account identical to the first account does not exist in the preset relationship table, the predicted payment channel of the first account is determined according to the account name length of the first account, and step S1017 is executed.
When the judgment result in the step S1003 is yes, that is, when there is a second account identical to the first account in the preset relationship table, step S1004 is executed, that is
Step S1004: and determining the predicted payment channel of the first account as the payment channel corresponding to the second account.
When the determination result in step S1001 is negative, that is, when the current transaction is not the first transaction of the first account within the current date, the historical transaction table of the first account is obtained according to the current first account information, where the historical transaction table includes the first date, the transaction serial number, and the transaction channel corresponding to the transaction serial number, that is, step S1011 is executed.
According to the embodiment of the invention, through the account-payment channel preset relation table, when an account pays for the first time, the account-payment channel preset relation table is directly referred to, and the payment channel of each transaction is determined without recalculating the weight of the payment channel of each transaction before, so that the working efficiency is improved.
In an embodiment of the present invention, since each payment channel of an account on the same day may be different, when a payment is first made on an account on the same day, and the account-payment channel preset relationship table is directly referred to, in order to make the channel prediction of the account for the first payment more accurate, after determining the payment channel of the first account, step S1018 is further included, that is, after determining the payment channel of the first account
Step S1018: and at the preset time of the current date, counting according to the transaction channels of each transaction of all the third accounts in the time period of the current date, determining the predicted payment channel of each third account, and updating the preset relation table.
For example, after the payment transaction work of one day is finished at 23/04/2020, the pedestrian channel and the unionpay channel of the day are respectively counted, the predicted payment channels of the pedestrian channel and the unionpay channel are determined, the preset relation table is updated, and the updated preset relation table of the day is referred to the payment channel of the first transaction of one account at 24/04/2020.
As a second aspect of the present invention, an embodiment of the present invention provides a fund limit predicting device, as shown in fig. 6, including:
the payment channel prediction unit 1 is used for predicting a predicted payment channel of a first account according to first account information of a current payment transaction;
a calculating unit 2, configured to calculate a predicted paid transaction amount of the predicted payment channel, and generate a first amount, where the first amount includes an actual paid transaction amount passing through the predicted payment channel and a transaction amount of the current payment transaction;
the correction unit 3 is used for acquiring the transaction flow of the first account, correcting the first amount according to the transaction flow and generating a second amount;
the judging unit 4 is used for judging whether the second amount is larger than a preset early warning value or not;
the information sending unit 5 is used for sending out first information when the second amount is larger than the preset early warning value;
wherein, the first information is used for prompting that the own fund limit is insufficient.
The self-owned fund limit prediction device provided by the embodiment of the invention predicts the payment channel of the current payment transaction, calculates the whole payment amount of the current payment transaction into the first amount, compares the first amount with the preset early warning value, and can send out the prompt of insufficient self-owned fund limit when the first amount is larger than the preset early warning value, thereby greatly improving the accuracy of self-owned fund limit prediction and greatly reducing the probability of the behavior of the pad payment due to insufficient self-owned fund limit within half an hour after the current payment transaction. After the actual running water fed back by the Unionpay is received, the first amount of money is revised again to generate a second amount of money, and the second amount of money is compared with the preset early warning value, so that the used amount of money compared with the preset early warning value can be more against the actual own fund use condition, and therefore, the accuracy of predicting the own fund amount is further improved.
Exemplary electronic device
As a third aspect of the present invention, an embodiment of the present invention further provides an electronic device, which includes one or more processors and a memory.
The processor may be a Central Processing Unit (CPU) or other form of processing unit having data processing capabilities and/or instruction execution capabilities, and may control other components in the electronic device to perform desired functions.
The memory may include one or more computer program products that may include various forms of computer-readable storage media, such as volatile memory and/or non-volatile memory. The volatile memory may include, for example, Random Access Memory (RAM), cache memory (cache), and/or the like. The non-volatile memory may include, for example, Read Only Memory (ROM), hard disk, flash memory, etc. One or more computer program instructions may be stored on the computer-readable storage medium and executed by a processor to implement the above-described owned fund credit prediction and/or other desired functionality of the various embodiments of the present application. Various contents such as an input signal, a signal component, a noise component, etc. may also be stored in the computer-readable storage medium.
Exemplary computer program product and computer-readable storage Medium
In addition to the above-described methods and apparatus, embodiments of the present application may also be a computer program product comprising computer program instructions that, when executed by a processor, cause the processor to perform the steps of self-funding credit prediction according to the embodiments of the present application illustrated in fig. 1-5, described in the above-mentioned "exemplary methods" section of this specification.
The computer program product may be written with program code for performing the operations of embodiments of the present application in any combination of one or more programming languages, including an object oriented programming language such as Java, C + + or the like and conventional procedural programming languages, such as the "C" programming language or similar programming languages. The program code may execute entirely on the user's computing device, partly on the user's device, as a stand-alone software package, partly on the user's computing device and partly on a remote computing device, or entirely on the remote computing device or server.
Furthermore, embodiments of the present application may also be a computer-readable storage medium having stored thereon computer program instructions that, when executed by a processor, cause the processor to perform the steps in the prediction of own funds amount according to various embodiments of the present application described in the "exemplary methods" section above in this specification.
The computer-readable storage medium may take any combination of one or more readable media. The readable medium may be a readable signal medium or a readable storage medium. A readable storage medium may include, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or a combination of any of the foregoing. More specific examples (a non-exhaustive list) of the readable storage medium include: an electrical connection having one or more wires, a portable disk, 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.
The foregoing describes the general principles of the present application in conjunction with specific embodiments, however, it is noted that the advantages, effects, etc. mentioned in the present application are merely examples and are not limiting, and they should not be considered essential to the various embodiments of the present application. Furthermore, the foregoing disclosure of specific details is for the purpose of illustration and description and is not intended to be limiting, since the foregoing disclosure is not intended to be exhaustive or to limit the disclosure to the precise details disclosed.
The block diagrams of devices, apparatuses, systems referred to in this application are only given as illustrative examples and are not intended to require or imply that the connections, arrangements, configurations, etc. must be made in the manner shown in the block diagrams. These devices, apparatuses, devices, systems may be connected, arranged, configured in any manner, as will be appreciated by those skilled in the art.
It should also be noted that in the devices, apparatuses, and methods of the present application, the components or steps may be decomposed and/or recombined. These decompositions and/or recombinations are to be considered as equivalents of the present application.
The previous description of the disclosed aspects is provided to enable any person skilled in the art to make or use the present application. Various modifications to these aspects will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other aspects without departing from the scope of the application. Thus, the present application is not intended to be limited to the aspects shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.
The above description is only for the purpose of illustrating the preferred embodiments of the present invention and is not to be construed as limiting the invention, and any modifications, equivalents, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (19)
1. A method for predicting own fund amount is characterized by comprising the following steps:
predicting a predicted payment channel of the first account according to first account information of the current payment transaction;
calculating a predicted paid transaction amount for the predicted payment channel, generating a first amount comprising an actual paid transaction amount for the predicted payment channel and a transaction amount for the current payment transaction;
acquiring the transaction flow of the first account, and correcting the first amount according to the transaction flow to generate a second amount;
judging whether the first amount or the second amount is larger than a preset early warning value or not;
when the second amount is larger than the preset early warning value or the first amount is larger than the preset early warning value, sending first information;
wherein, the first information is used for prompting that the own fund limit is insufficient.
2. The method of claim 1, wherein after the sending the first warning message, the method further comprises:
acquiring the remittance amount of the predicted payment channel;
correcting the second amount according to the remitted amount to generate a third amount;
judging whether the third amount is larger than the preset early warning value or not;
when the third amount is smaller than or equal to the preset early warning value, sending second information;
wherein, the second information is used for prompting that the own fund limit is sufficient.
3. The method of predicting owned funds quota of claim 1, wherein predicting the predicted payment channel for the first account based on current first account information comprises:
acquiring a historical transaction table of a first account according to first account information of current payment transaction, wherein the historical transaction table comprises a first date, a transaction serial number and a transaction channel corresponding to the transaction serial number;
judging whether the transaction times in the historical transaction table are greater than one;
when the transaction times in the historical transaction table are more than one, assigning a value to a payment channel of each transaction in a first preset time period according to a first date, a transaction serial number and a transaction channel type in the historical transaction table, and generating a weight of the payment channel of each transaction in the first preset time period; and
and determining a predicted payment channel of the first account according to the weight of the payment channel of each transaction in the first preset time period.
4. The method of claim 3, wherein assigning a value to the payment channel for each transaction over a first predetermined time period and generating a weight for the payment channel for each transaction over the first predetermined time period comprises:
judging whether the transaction frequency in the historical transaction table within the time period of the first date which is the same as the current date is less than one;
and when the transaction frequency in the historical transaction table within a first date which is the same as the current date is less than one, the first preset time period comprises at least one second preset time period, and the payment channel of each transaction within the at least one second preset time period is respectively assigned to generate the weight of the payment channel of each transaction within each second preset time period.
5. The method of claim 4, wherein the step of assigning a value to the payment channel for each transaction within the at least one second predetermined time period comprises:
in two adjacent second preset time periods, a first numerical value is given to a payment channel in each transaction in the second preset time period close to the current date;
giving a second numerical value to the payment channel of each transaction in a second preset time period far away from the current date;
wherein the first value is greater than the second value.
6. The method of predicting owned fund limits of claim 4, wherein the value is assigned to the payment channel for each transaction within a first predetermined time period, and the weight of the payment channel for each transaction within the first predetermined time period is generated, further comprising:
when the transaction times in the historical transaction table within the time period of the first date which is the same as the current date are equal to one, the first preset time period is the time period of the current date, the payment channel of one transaction within the time period of the current date is assigned, and the weight of the payment channel of one transaction within the time period of the current date is generated.
7. The method of predicting owned fund limits of claim 6, wherein the assigning of the payment channel for each transaction within a first predetermined time period generates a weight for the payment channel for each transaction within the first predetermined time period, further comprising:
when the transaction times in the historical transaction table within the time period of the first date which is the same as the current date are more than one, judging whether the transaction channels of each transaction within the time period of the first date which is the same as the current date in the historical transaction table are the same;
when transaction channels of each transaction occurring in a time period of a first date which is the same as the current date in the historical transaction table are the same, the first preset time period is the time period of the current date, the transaction channels of each transaction in the time period of the current date are assigned, and the weight of the payment channel of each transaction in the time period of the current date is generated.
8. The method of predicting owned fund limits of claim 7, wherein the assigning of the payment channel for each transaction within a first predetermined time period generates a weight for the payment channel for each transaction within the first predetermined time period, further comprising:
when transaction channels of at least two transactions occurring in the historical transaction table within a time period of a first date which is the same as the current date are different, the first preset time period comprises the time period of the current date and at least one third preset time period, the payment channels of the time period of the current date and the payment channels of each transaction within the at least one third preset time period are respectively assigned, and the weight of the payment channels of each transaction within the time period of each current date and within the third preset time period is generated.
9. The method of claim 8, wherein assigning a value to the payment channel for each transaction during the current time period and the at least one third predetermined time period comprises:
assigning a third value to the payment channel of each transaction in the time period of the current date;
in two adjacent third preset time periods, a fourth numerical value is given to a payment channel in each transaction in a second preset time period close to the current date;
assigning a fifth numerical value to the payment channel of each transaction in a third preset time period away from the current date;
wherein the third value is greater than the fourth value, and the fourth value is greater than the fifth value.
10. The method of claim 3, wherein determining the predicted payment channel for the first account based on the weight of the payment channel for each transaction within the first predetermined time period comprises:
respectively calculating the total weight of each payment channel according to the weight of the payment channel of each transaction in the first preset time period;
and determining a payment channel with the maximum total weight according to the total weight of each payment channel, wherein the payment channel with the maximum total weight is a predicted payment channel of the first account.
11. The own fund limit prediction method according to claim 3,
when the transaction times in the historical transaction table are equal to one, predicting a predicted payment channel of the first account according to the first account information of the current payment transaction comprises the following steps:
and the payment channel of the transaction in the historical transaction table is the predicted payment channel of the first account.
12. The own fund limit prediction method according to claim 3,
when the transaction times in the historical transaction table are less than one, predicting a predicted payment channel of the first account according to the first account information of the current payment transaction, including:
and determining a predicted payment channel of the first account according to the length of the user name of the first account.
13. The method of predicting owned fund limits of claim 3, further comprising:
judging whether the current transaction is the first transaction of the first account within the current date;
when the current transaction is the first transaction in the current date, acquiring a preset relation table, wherein the preset relation table comprises a second account and a payment channel corresponding to the second account;
inquiring whether a second account identical to the first account exists in the preset relation table;
and when a second account which is the same as the first account does not exist in the preset relation table, determining a predicted payment channel of the first account according to the account name length of the first account.
14. The method of claim 13, wherein when a second account identical to the first account exists in the predetermined relationship table, the predicted payment channel of the first account is determined to be a predicted payment channel corresponding to the second account.
15. The method of predicting monetary value of a fund according to claim 13, wherein when the current transaction is not a first transaction of the first account within the current date, obtaining a historical transaction table of the first account according to current first account information, the historical transaction table including the first date, a transaction number and a transaction channel corresponding to the transaction number.
16. The method of claim 13, wherein after determining the payment channel of the first account according to the weight of the payment channel for each transaction within the first predetermined time period, the method further comprises:
and at the preset time of the current date, counting according to transaction channels of each transaction of all third accounts in the time period of the current date, determining a predicted payment channel of each third account, and updating the preset relation table.
17. An own fund limit predicting device, comprising:
the payment channel prediction unit is used for predicting a predicted payment channel of the first account according to first account information of the current payment transaction;
a calculation unit, configured to calculate a predicted paid transaction amount of the predicted payment channel, and generate a first amount, where the first amount includes an actual paid transaction amount passing through the predicted payment channel and a transaction amount of the current payment transaction;
the correction unit is used for acquiring the transaction flow of the first account, correcting the first amount according to the transaction flow and generating a second amount;
the judging unit is used for judging whether the second amount is larger than a preset early warning value or not;
the information sending unit is used for sending out first information when the second amount is larger than the preset early warning value;
wherein, the first information is used for prompting that the own fund limit is insufficient.
18. A computer-readable storage medium, comprising:
a storage medium; the storage medium stores a computer program that,
wherein the computer program is adapted to perform the method of predicting the own fund limit of any one of the preceding claims 1-16.
19. An electronic device, characterized in that the electronic device comprises:
a processor;
a memory for storing the processor-executable instructions;
wherein the processor is configured to perform the method of predicting own fund amount as set forth in any one of the preceding claims 1-16.
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| WO2023015615A1 (en) * | 2021-08-11 | 2023-02-16 | 未鲲(上海)科技服务有限公司 | Multi-channel fund transfer method and apparatus based on prediction model, and device and medium |
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