CN113435890A - Capital account change monitoring method and device - Google Patents

Abstract

The invention provides a capital account change monitoring method and a capital account change monitoring device, which relate to the technical field of mobile interconnection, and the method comprises the following steps: acquiring basic trigger event information; when a capital dynamic account monitoring request is received, extracting basic trigger event information according to a monitoring object and monitoring characteristics; and carrying out fund dynamic account monitoring treatment according to the extracted basic trigger event information. The invention realizes dynamic configuration of basic trigger event information by separately designing and storing the monitored object, the monitoring characteristics and the trigger event and packaging and quickly combining, and can quickly and efficiently cope with various fund dynamic account monitoring scenes.

Description

Capital account change monitoring method and device

Technical Field

The invention relates to the technical field of mobile interconnection, in particular to a capital account change monitoring method and device.

Background

This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.

The common capital account-moving monitoring technical scheme is as follows: marking a monitoring object (account) through a signing function (in a batch mode or an independent mode), and setting a service standard or a monitoring threshold value and a trigger event in a contract mode; whether a service standard is achieved or whether a monitoring threshold is achieved is judged through the dynamic account function and the monitoring object (account) mark, so that a specific event is triggered.

According to the general scheme, under the conditions of adding a service standard, adjusting a threshold monitoring dimension or a detection method and adding a trigger event, a signing function and an account moving function need to be adjusted or added, and the general scheme is large in engineering implementation range, wide in verification range and high in engineering cost.

Disclosure of Invention

The invention provides a capital account-shifting monitoring method and device, which can abstract and extract capital monitoring service or functional characteristics and can quickly combine to realize dynamic configuration of monitoring objects, monitoring characteristics and triggering events.

In a first aspect, an embodiment of the present invention provides a fund account-moving monitoring method, where the method includes:

acquiring basic trigger event information; when a capital account-moving monitoring request is received, extracting the basic trigger event information according to a monitoring object and monitoring characteristics; and carrying out fund dynamic account monitoring treatment according to the extracted basic trigger event information.

In a second aspect, an embodiment of the present invention further provides a fund account-moving monitoring apparatus, where the apparatus includes:

the acquisition module is used for acquiring basic trigger event information; the extraction module is used for extracting the basic trigger event information according to the monitoring object and the monitoring characteristics when receiving the capital dynamic account monitoring request; and the monitoring module is used for carrying out fund account-moving monitoring processing according to the extracted basic trigger event information.

In a third aspect, an embodiment of the present invention further provides an electronic device, which includes a memory, a processor, and a computer program stored in the memory and executable on the processor, where the processor implements the fund ledger monitoring method when executing the computer program.

In a fourth aspect, an embodiment of the present invention further provides a computer-readable storage medium, where a computer program for executing the fund dynamic account monitoring method is stored in the computer-readable storage medium.

The embodiment of the invention has the following beneficial effects: the embodiment of the invention provides a fund account-moving monitoring scheme, which comprises the following steps: acquiring basic trigger event information; when a capital dynamic account monitoring request is received, extracting basic trigger event information according to a monitoring object and monitoring characteristics; and carrying out fund dynamic account monitoring treatment according to the extracted basic trigger event information. The embodiment of the invention realizes dynamic configuration of basic trigger event information by separately designing and storing the monitored object, the monitoring characteristics and the trigger event and packaging and quickly combining, and can quickly and efficiently cope with various fund dynamic account monitoring scenes.

Additional features and advantages of the invention will be set forth in the description which follows, and in part will be obvious from the description, or may be learned by practice of the invention. The objectives and other advantages of the invention will be realized and attained by the structure particularly pointed out in the written description and claims hereof as well as the appended drawings.

In order to make the aforementioned and other objects, features and advantages of the present invention comprehensible, preferred embodiments accompanied with figures are described in detail below.

Drawings

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, and it is obvious that the drawings in the following description are some embodiments of the present invention, and other drawings can be obtained by those skilled in the art without creative efforts.

FIG. 1 is a flow chart of a capital action account monitoring method provided by an embodiment of the invention;

FIG. 2 is a diagram illustrating an architecture of a capital action accounting monitoring method according to an embodiment of the present invention;

fig. 3 is a block diagram of a capital action account monitoring apparatus according to an embodiment of the present invention;

FIG. 4 is a block diagram of another fund dynamic account monitoring apparatus according to an embodiment of the present invention;

fig. 5 is a block diagram of a computer device according to an embodiment of the present invention.

Detailed Description

To make the objects, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions of the present invention will be clearly and completely described below with reference to the accompanying drawings, and it is apparent that the described embodiments are some, but not all embodiments of the present invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

The fund account-moving monitoring is a service or function conventionally provided by financial institutions (banks, insurance, securities) and the like, and is used as an additional service form, because different service targets or contents of a service initiating main body are different, the service appealing main body is an account holder, and the main appeal is convenient fund flow, such as fund directed collection or fund designated injection; the main body of the service complaint initiation is that of a third-party organization, such as a public inspection law and other authorized organizations, which implement monitoring and control requirements on a specific account. The service appeal initiating subject is a financial institution worker, such as a customer manager, a business marketing specialist and the like, which is convenient for serving customers and accurately marketing, recommending products and the like.

In the past, based on a system for dividing services or functions according to business fields and transactions, the system has the characteristics of multiple sources of demands, implementation and distribution, unclear boundaries, low reusability and the like for service actions, monitoring early warning, control actions and the like which meet specific service standards during fund account change and fund monitoring or are triggered after a monitoring threshold value is reached.

Because the main body involved in the service is initiated in different ways, the service belongs to different fields, and continuous system change is possible, so that the general system way causes the problems of huge maintenance amount and difficult expansion.

Account fund changes, extended services or monitoring mechanisms, and due to differences of service agents, different processing modes and solutions are adopted in system implementation and actual operation, such as:

the service appeal initiating subject is an account holder: in order to facilitate the fund flow of the account holder, a fund flow auxiliary service based on the account fund change, such as fund directional collection or fund designated injection, generally adopts a basic implementation manner of client application, service subscription and transaction triggering. When the service is signed up, the service starting and stopping period, the fund triggering scene, the fund triggering quota line, the fund transfer target account, the accumulated amount limit, the fund transfer base number and other information are agreed, and the payment certificate is required to be verified to verify the client intention under the common condition. The fund flow auxiliary service can provide different modes such as real-time triggering and timing triggering, and cash management services (timing collection and down-dialing and real-time collection and down-dialing) of various commercial banks are mainly designed based on the modes at present.

The main body of service complaint initiation is a third-party organization: financial institutions are matched with third-party institutions (such as authorized institutions like public inspection) to monitor and control requirements of specific accounts, and generally adopt a direct connection interface service or data report docking mode: the direct connection interface service generally comprises account frequent inquiry, account transaction running inquiry, account freezing/unfreezing, forced deduction instruction processing and the like; data delivery interfacing generally refers to the timed delivery of data in a prescribed format. The process and the design difference of the third-party docking system have different interaction modes such as single-point manual operation, timed polling monitoring, batch automatic monitoring and the like, and the difficulty of the third-party institution staff attending to the site office of the financial institution is reduced.

The service appeal initiating subject is a financial institution worker: financial institution staff (such as customer managers, business marketing specialists and the like) can conveniently and accurately market customer service and business based on customer behaviors, particularly fund change conditions, business marketing is usually delayed for a period of time after the fund change behavior occurs, a customer behavior analysis system specially designed for the financial institution collects, refines, accumulates and analyzes transaction raw data, and the fund change amount is accumulated or a single transaction reaches a certain characteristic to trigger a relevant marketing suggestion instruction.

Based on this, the fund account-shifting monitoring method and device provided by the embodiments of the present invention provide a solution that can be quickly combined to dynamically configure monitoring objects, monitoring features, and triggering events by abstracting fund monitoring services or functional features.

For the convenience of understanding the embodiment, a detailed description will be first given of a fund dynamic account monitoring method disclosed in the embodiment of the present invention.

First, the terms involved are introduced.

Monitoring the object: the direct object of the fund account is the only account or transaction tool opened by the financial institution for the service body, namely, the fund change of the specific account is monitored. It may also be extended to the customer level, i.e. to monitor changes in funds for a particular customer or group of customers.

Monitoring characteristics: the behavior characteristics which are concerned by a monitoring party or a service provider and can be obviously judged in the fund account-moving behavior are referred. Such as fund change amount class characteristics: the fund is increased, the fund is increased beyond a specific amount, the fund accumulated increase in the monitoring period reaches the specific amount, and the like; and reducing the fund, keeping the fund below a specific amount after the fund is reduced, reducing the fund accumulation in the monitoring period to reach the specific amount, and the like. And fund change direction class characteristics, such as fund transaction opponents. And fund change channel characteristics, such as a transaction initiating channel or a fund change source accepting channel. Fund change time class features such as monitoring dynamic billing behavior within a particular date or time interval.

Triggering an event: the method refers to a service behavior or an information acquisition behavior which is automatically triggered when or after a fund dynamic account behavior occurs. Such as fund transfer service for exceeding the agreed limit amount of fund, account freezing service for exceeding the agreed limit amount of fund, fund injection service for insufficient fund, quasi-real-time information acquisition and submission after the occurrence of fund action and account behavior, and the like.

The embodiment of the invention provides a capital account change monitoring method, which is shown in a flow chart of the capital account change monitoring method shown in figure 1 and comprises the following steps:

step S102, basic trigger event information is acquired.

In the embodiment of the present invention, the basic trigger event information is a basic unit for generating a trigger event.

The basic trigger event information may be pre-configured. The basic trigger event information can be obtained by splitting and designing the monitoring object, the trigger factor, the trigger result and the like and constructing in an independent subprogram or packaged atomic service mode.

The basic trigger event information can be expanded and adjusted along with the increase and change of service appeal.

And step S104, when receiving the fund dynamic account monitoring request, extracting basic trigger event information according to the monitored object and the monitoring characteristic.

In the embodiment of the invention, the fund account-shifting monitoring request comprises monitoring object information and monitoring characteristic information related to the fund account-shifting monitoring at a certain time. And extracting basic trigger event information according to the monitored object and the monitored characteristic.

For example, a fund account balance monitoring relates to 10 accounts, when any one of the 10 accounts has a transfer-in operation and the balance of the account exceeds 100 yuan, a trigger event is started, and the trigger event comprises a freezing operation and a pushing operation. And carrying out fund dynamic account monitoring on the 10 accounts, wherein the fund dynamic account monitoring request comprises monitoring object information of existence of transfer operation and account balance exceeding 100 yuan, and the monitoring object information comprises monitoring characteristic information of 'transfer operation and account balance exceeding 100 yuan'. And extracting basic trigger event information corresponding to the freezing operation and basic trigger event information corresponding to the pushing operation.

And step S106, carrying out fund dynamic account monitoring processing according to the extracted basic trigger event information.

In the embodiment of the invention, a plurality of pieces of basic trigger event information can be extracted from one-time fund account-moving monitoring, and fund account-moving monitoring processing can be carried out according to the plurality of pieces of basic trigger event information.

It should be noted that, in different fund dynamic account monitoring processes, the number or the type of the extracted basic trigger event information may be different.

The embodiment of the invention provides a fund account-moving monitoring scheme, which comprises the following steps: acquiring basic trigger event information; when a capital dynamic account monitoring request is received, extracting basic trigger event information according to a monitoring object and monitoring characteristics; and carrying out fund dynamic account monitoring treatment according to the extracted basic trigger event information. The embodiment of the invention realizes dynamic configuration of basic trigger event information by separately designing and storing the monitored object, the monitoring characteristics and the trigger event and packaging and quickly combining, and can quickly and efficiently cope with various fund dynamic account monitoring scenes.

In one embodiment, the basic trigger event information at least includes one or more of event number information, event description information, trigger subject information, result notification information, notification object information, event termination condition information, and event exemption condition information.

In an embodiment of the present invention, referring to table 1, the trigger event key data item design may include the items in table 1. And can be deleted or modified according to the actual requirement based on the information in the table 1. In implementation, the design may be performed according to actual requirements, and this is not specifically limited in the embodiment of the present invention.

TABLE 1

In one embodiment, the method may further perform the steps of: basic trigger event information is adjusted.

In the embodiment of the invention, in order to meet the requirements of fund dynamic account monitoring under different situations, the method can combine more different trigger events for the basic trigger event information based on the adjusted basic trigger event information so as to meet the requirements of different situations in consideration of the possible situations of adding a service standard, adjusting a threshold monitoring dimension or detection method, adding a new trigger event and the like.

In one embodiment, adjusting the basic trigger event information may be performed according to the following steps:

basic trigger event information is added, deleted or modified.

In the embodiment of the invention, the basic trigger event information can be newly added, deleted or modified, or the basic trigger event information can be adjusted after the above modes are combined.

In one embodiment, the fund raising monitoring processing is performed according to the extracted basic trigger event information, and the method can be performed according to the following steps:

and carrying out account operation according to the extracted basic trigger event information.

In an embodiment of the invention, the account operation comprises transaction processing of account information related to fund ledger monitoring.

In one embodiment, the fund raising monitoring processing is performed according to the extracted basic trigger event information, and the method can be performed according to the following steps:

and sending the first target information to a marketing system.

In the embodiment of the invention, the first target information is certain type of data obtained by obtaining the account operation flow information according to the basic trigger event information and then obtaining the account operation flow information. For example, marketing data may be included. And sending the marketing data to a marketing system to assist marketing management.

In one embodiment, the fund raising monitoring processing is performed according to the extracted basic trigger event information, and the method can be performed according to the following steps:

and sending the second target information to the supervision system.

In the embodiment of the present invention, the second target information is certain type of data obtained by obtaining the account operation flow information according to the basic trigger event information and then obtaining the account operation flow information based on the account operation flow information. For example, regulatory data may be included. And transmitting the supervision data to a supervision system to assist supervision management.

Referring to the architecture diagram of the capital action monitoring method implementation shown in fig. 2, the method may be implemented based on the architecture of fig. 2. The basic technical principle of the framework is to abstract and extract capital dynamic account monitoring service or mechanism functional characteristics, the dynamic configuration is a decoupling and high-multiplexing means or design mode, and the dynamic configuration is realized by separately designing and storing a monitoring object, monitoring characteristics and a trigger event and rapidly combining the monitoring object, the monitoring characteristics and the trigger event through packaging.

The specific operations involved are explained below.

1. Account data manipulation

a) And the module responsible for the specific operation of the account data receives transaction requests sent by other gateways and channels and processes the account data.

b) And local configuration of shunting parameters, such as which type of account, which type of mark and which type of transaction amount need to be subsequently split into the information operation flow. And checking whether the operation meets the splitting condition or not while the account is operated. If the split condition is met, operations may be organized into account operation information streams asynchronously (for high performance, low monitoring synchronization scenarios) or synchronously (for medium to low performance, high monitoring synchronization scenarios) after the transaction is completed.

c) Account operation information flow needs to increase the latest state of an account (information such as balance after transaction), and the complete operation information is sent to information flow split management.

2. Information flow split management

a) Extracting trigger events, wherein the extraction rule requires the difference based on trigger factors and trigger results, the common signing mode is avoided through the extraction link, the trigger event atomization can avoid the binding design of monitoring objects, trigger factors, trigger results and the like, the Basic B-class trigger events (namely Basic trigger events) with the minimum granularity are formed, and corresponding event codes are compiled. The B-type trigger event (namely basic trigger event information) can be constructed and realized in an independent subprogram or packaged atomic service mode, and can be expanded and adjusted along with the increase and change of business appeal.

b) The B-type trigger events supporting the minimum granularity are combined, and different B-type trigger events can be compounded to form a C-type trigger event (i.e., Complex trigger events), that is, one trigger factor generates multiple trigger results from the viewpoint of processing effect, and corresponding event codes are compiled.

c) Configuring monitoring events based on specific population characteristics, or configuring monitoring events for a specified single monitoring object. The triggering event is mainly accompanied by the fund change of the account and belongs to partial post-processing, so that the triggering mechanism can be solidified at the tail part of the functional logic. The centralized system may process transactions synchronously with the change of funds, and the distributed system may be triggered by asynchronous messages or message middleware.

d) All the parameters are written into the parameters by the fund account-moving management module, and the flow dividing management judges how to route and combine the transaction information flow according to the parameters. For example, for the fund which needs to be subjected to directed collection, the judgment is carried out according to the balance and the condition in the account operation flow, if the condition is met, the information is routed to the account operation management, the account operation management is carried out, and the next fund collection is completed; if the marketing management is needed, (for example, the balance exceeds a certain limit as a condition after the transaction), the information is routed to the marketing management module for subsequent marketing; if monitoring is needed, (for example, the transaction amount exceeds a certain upper limit, or one transfer account is used for each transaction, and the transfer accounts are particularly large and centralized), the monitoring is routed to monitoring management for subsequent processing.

3. Capital account change monitoring management

a) The main module of the device of the module takes account operation information flow as a data source, and compiles shunting parameters according to the business requirements, supervision requirements, marketing requirements and the like of banks so as to be used by a shunting manager.

b) Due to different sources of requirements and common implementation and distribution of capital monitoring function requirements in the system, when a plurality of similar function mechanisms exist in the system, the most important and difficult is to refine the triggering event with the minimum granularity for integrating reconstruction and adjusting the inherent design. Therefore, the shunt management parameters are mainly composed of an event table, as shown in table 1.

4. Account operation transaction management, marketing management and supervision management

a) The input of the several modules is the information flow (including account operation information and event trigger information) output by the information flow distribution manager, and the information flow is converted according to the input required by the subsequent service system.

b) Such as account operation transaction management, may perform an account operation according to the type of the triggered event, such as fund collection, and then execute a fund collection business process.

c) For example, marketing management refers to a subsequent business system, and if the subsequent business system is marketing account analysis, the information of the customer to be marketed and the account can be directly sent to the system, and the customer to be marketed of the system is updated.

d) For example, supervision management, if supervision only requires an action monitoring input of an account, the account and its action may be sent to a supervision system.

The embodiment of the invention relates to account operation transaction management, marketing management, supervision management, information flow distribution management and fund ledger monitoring management. The corresponding relationship between the event trigger parameters and the account operation information needs to be modeled.

The account data operation is the existing logic of the existing system, and the difference is that the splitting of the account operation information flow is added in the existing account operation logic. The split account operation information is then sent to information flow split management. The information flow management routes the information flow to corresponding follow-up transaction processing modules (account operation transaction management, marketing management, supervision management and the like) after the information flow is calculated, screened, split and combined. Between routes, event rules need to be maintained and completed through a fund dynamic account monitoring and management module.

Based on the scheme, the work of fund collection of the account, marketing data statistics, supervision information statistics and the like can be realized.

The embodiment of the invention provides a fund account change monitoring method and device. Different types of transaction operations related to account operations can be associated through the account operation information flow without establishing a separate data transmission path. The information flow is triggered by shunting through an event trigger mechanism and is no longer processed through separate (unshared) logic according to the shunting service. The account operation information flow can be split and combined through the information flow manager to establish the frequency and characteristic event trigger. Such as high frequency operation of the account (suspected money laundering, etc.).

In the embodiment of the invention, the change of the special service is irrelevant to the original transaction flow; maintenance changes are made independently and no longer coupled to each other (such as to produce an M x N workload multiplication effect). All business processing and account processing are replaced by event triggering mechanisms, and the corresponding relation between the business and the transaction can be changed through adjusting parameters without unnecessary system change. The account operation information flow and the event flow can be subjected to storage statistics and more processing if required.

The embodiment of the invention also provides a fund account-moving monitoring device, which is described in the following embodiment. Because the principle of the device for solving the problems is similar to the capital action account monitoring method, the implementation of the device can refer to the implementation of the capital action account monitoring method, and repeated parts are not described again. Referring to the block diagram of the capital dynamic account monitoring device shown in fig. 3, the device includes:

an obtaining module 31, configured to obtain basic trigger event information; the extracting module 32 is used for extracting basic trigger event information according to the monitoring object and the monitoring characteristic when receiving the capital dynamic account monitoring request; and the monitoring module 33 is configured to perform fund account-moving monitoring processing according to the extracted basic trigger event information.

In one embodiment, the basic trigger event information at least includes one or more of event number information, event description information, trigger subject information, result notification information, notification object information, event termination condition information, and event exemption condition information.

In one embodiment, referring to another block diagram of the capital action ledger monitoring apparatus shown in fig. 4, the apparatus further includes a configuration module 34 for: basic trigger event information is adjusted.

In one embodiment, the configuration module is specifically configured to: basic trigger event information is added, deleted or modified.

In one embodiment, the monitoring module is specifically configured to: and carrying out account operation according to the extracted basic trigger event information, and sending the first target information to a marketing system or sending the second target information to a monitoring system.

Based on the same inventive concept, the embodiment of the invention also provides an embodiment of electronic equipment for realizing all or part of contents in the fund dynamic account monitoring method. The electronic device specifically comprises the following contents:

a processor (processor), a memory (memory), a communication Interface (Communications Interface), and a bus; the processor, the memory and the communication interface complete mutual communication through the bus; the communication interface is used for realizing information transmission between related devices; the electronic device may be a desktop computer, a tablet computer, a mobile terminal, and the like, but the embodiment is not limited thereto. In this embodiment, the electronic device may be implemented with reference to the embodiment for implementing the fund dynamic account monitoring method and the embodiment for implementing the fund dynamic account monitoring apparatus in the embodiments, and the contents of the embodiments are incorporated herein, and repeated details are not repeated.

Fig. 5 is a schematic diagram of a system configuration structure of an electronic device according to an embodiment of the present invention. As shown in fig. 5, the electronic device 70 may include a processor 701 and a memory 702; a memory 702 is coupled to the processor 701. Notably, this FIG. 5 is exemplary; other types of structures may also be used in addition to or in place of the structure to implement telecommunications or other functions.

In one embodiment, the functionality implemented by the funding dynamic account monitoring method may be integrated into the processor 701. Wherein, the processor 701 may be configured to control as follows:

acquiring basic trigger event information; when a capital dynamic account monitoring request is received, extracting basic trigger event information according to a monitoring object and monitoring characteristics; and carrying out fund dynamic account monitoring treatment according to the extracted basic trigger event information.

As can be seen from the above, the electronic device provided in the embodiment of the present invention implements dynamic configuration of basic trigger event information by separately designing and storing the monitoring object, the monitoring feature, and the trigger event, and by rapidly combining and encapsulating, and can rapidly and efficiently handle various fund dynamic account monitoring scenarios.

In another embodiment, the fund ledger monitoring apparatus may be configured separately from the processor 701, for example, the fund ledger monitoring apparatus may be configured as a chip connected to the processor 701, and the function of the fund ledger monitoring method may be realized by the control of the processor.

As shown in fig. 5, the electronic device 70 may further include: a communication module 703, an input unit 704, an audio processing unit 705, a display 706, and a power supply 707. It is noted that the electronic device 70 does not necessarily include all of the components shown in fig. 5; furthermore, the electronic device 70 may also comprise components not shown in fig. 5, which can be referred to in the prior art.

As shown in fig. 5, the processor 701, which is sometimes referred to as a controller or operational control, may include a microprocessor or other processor device and/or logic device, and the processor 701 receives input and controls the operation of the various components of the electronic device 70.

The memory 702 may be, for example, one or more of a buffer, a flash memory, a hard drive, a removable media, a volatile memory, a non-volatile memory, or other suitable device. The information relating to the failure may be stored, and a program for executing the information may be stored. And the processor 701 may execute the program stored in the memory 702 to realize information storage or processing, or the like.

The input unit 704 provides input to the processor 701. The input unit 704 is, for example, a key or a touch input device. The power supply 707 is used to supply power to the electronic device 70. The display 706 is used for displaying display objects such as images and characters. The display may be, for example, an LCD display, but is not limited thereto.

The memory 702 may be a solid state memory such as Read Only Memory (ROM), Random Access Memory (RAM), a SIM card, or the like. There may also be a memory that holds information even when power is off, can be selectively erased, and is provided with more data, an example of which is sometimes called an EPROM or the like. The memory 702 may also be some other type of device. Memory 702 includes a buffer memory 7021 (sometimes referred to as a buffer). The memory 702 may include an application/function storage portion 7022, the application/function storage portion 7022 being used to store application programs and function programs or procedures for performing operations of the electronic device 70 by the processor 701.

The memory 702 may also include a data store 7023, the data store 7023 being for storing data, such as contacts, digital data, pictures, sounds, and/or any other data used by the electronic device. The driver storage portion 7024 of the memory 702 may include various drivers of the electronic device for communication functions and/or for performing other functions of the electronic device (e.g., messaging application, address book application, etc.).

The communication module 703 is a transmitter/receiver that transmits and receives signals via the antenna 708. A communication module (transmitter/receiver) 703 is coupled to the processor 701 to provide an input signal and receive an output signal, which may be the same as in the case of a conventional mobile communication terminal.

Based on different communication technologies, a plurality of communication modules 703, such as a cellular network module, a bluetooth module, and/or a wireless local area network module, may be provided in the same electronic device. The communication module (transmitter/receiver) 703 is also coupled to a speaker 709 and a microphone 710 via an audio processing unit 705 to provide audio output via the speaker 709 and receive audio input from the microphone 710 to implement general telecommunication functions. The audio processing unit 705 may include any suitable buffers, decoders, amplifiers and so forth. Additionally, an audio processing unit 705 is also coupled to the processor 701 to enable recording of sound locally through a microphone 710 and to enable playing of locally stored sound through a speaker 709.

An embodiment of the present invention further provides a computer-readable storage medium for implementing all the steps in the fund ledger monitoring method in the above embodiment, where the computer-readable storage medium stores thereon a computer program, and the computer program when executed by a processor implements all the steps of the fund ledger monitoring method in the above embodiment, for example, when the processor executes the computer program, the processor implements the following steps:

acquiring basic trigger event information; when a capital dynamic account monitoring request is received, extracting basic trigger event information according to a monitoring object and monitoring characteristics; and carrying out fund dynamic account monitoring treatment according to the extracted basic trigger event information.

As can be seen from the above, the computer-readable storage medium provided in the embodiment of the present invention implements dynamic configuration of basic trigger event information by separately designing and storing a monitoring object, a monitoring feature, and a trigger event, and by rapidly combining and encapsulating, and can rapidly and efficiently cope with a variety of capital dynamic account monitoring scenarios.

Although the present invention provides method steps as described in the examples or flowcharts, more or fewer steps may be included based on routine or non-inventive labor. The order of steps recited in the embodiments is merely one manner of performing the steps in a multitude of orders and does not represent the only order of execution. When an actual apparatus or client product executes, it may execute sequentially or in parallel (e.g., in the context of parallel processors or multi-threaded processing) according to the embodiments or methods shown in the figures.

As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.

In this document, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. The terms "upper", "lower", and the like, indicate orientations or positional relationships based on the orientations or positional relationships shown in the drawings, and are only for convenience in describing the present invention and simplifying the description, but do not indicate or imply that the referred devices or elements must have a specific orientation, be constructed and operated in a specific orientation, and thus, should not be construed as limiting the present invention.

Unless expressly stated or limited otherwise, the terms "mounted," "connected," and "connected" are intended to be inclusive and mean, for example, that they may be fixedly connected, detachably connected, or integrally connected; can be mechanically or electrically connected; they may be connected directly or indirectly through intervening media, or they may be interconnected between two elements. The specific meanings of the above terms in the present invention can be understood by those skilled in the art according to specific situations.

It should be noted that the embodiments and features of the embodiments may be combined with each other without conflict. The present invention is not limited to any single aspect, nor is it limited to any single embodiment, nor is it limited to any combination and/or permutation of these aspects and/or embodiments. Each aspect and/or embodiment of the invention can be used alone or in combination with one or more other aspects and/or embodiments.

Finally, it should be noted that: the above-mentioned embodiments are only specific embodiments of the present invention, which are used for illustrating the technical solutions of the present invention and not for limiting the same, and the protection scope of the present invention is not limited thereto, although the present invention is described in detail with reference to the foregoing embodiments, those skilled in the art should understand that: any person skilled in the art can modify or easily conceive the technical solutions described in the foregoing embodiments or equivalent substitutes for some technical features within the technical scope of the present disclosure; such modifications, changes or substitutions do not depart from the spirit and scope of the embodiments of the present invention, and they should be construed as being included therein. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.

Claims (13)

1. A fund account-moving monitoring method is characterized by comprising the following steps:

acquiring basic trigger event information;

when a capital account-moving monitoring request is received, extracting the basic trigger event information according to a monitoring object and monitoring characteristics;

and carrying out fund dynamic account monitoring treatment according to the extracted basic trigger event information.

2. The method according to claim 1, wherein the basic trigger event information at least includes one or more of event number information, event description information, trigger subject information, result notification information, notification object information, event termination condition information, and event exemption condition information.

3. The method of claim 1, further comprising: and adjusting the basic trigger event information.

4. The method of claim 3, wherein adjusting the basic trigger event information comprises:

adding, deleting or modifying the basic trigger event information.

5. The method of claim 1, wherein the fund raising monitoring process is performed according to the extracted basic triggering event information, and comprises the following steps:

and carrying out account operation according to the extracted basic trigger event information.

6. The method of claim 1, wherein the fund raising monitoring process is performed according to the extracted basic triggering event information, and comprises the following steps:

and sending the first target information to a marketing system.

7. The method of claim 1, wherein the fund raising monitoring process is performed according to the extracted basic triggering event information, and comprises the following steps:

and sending the second target information to the supervision system.

8. A fund account-moving monitoring device, comprising:

the acquisition module is used for acquiring basic trigger event information;

the extraction module is used for extracting the basic trigger event information according to the monitoring object and the monitoring characteristics when receiving the capital dynamic account monitoring request;

and the monitoring module is used for carrying out fund account-moving monitoring processing according to the extracted basic trigger event information.

9. The apparatus according to claim 8, wherein the basic trigger event information at least includes one or more of event number information, event description information, trigger body information, result notification information, notification object information, event termination condition information, and event exemption condition information.

10. The apparatus of claim 8, further comprising a configuration module to:

and adjusting the basic trigger event information.

11. The apparatus according to claim 8, wherein the monitoring module is specifically configured to:

and carrying out account operation according to the extracted basic trigger event information, and sending the first target information to a marketing system or sending the second target information to a monitoring system.

12. An electronic device comprising a memory, a processor, and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of fund ledger monitoring of any one of claims 1 to 7 when executing the computer program.

13. A computer-readable storage medium storing a computer program for executing the fund ledger monitoring method according to any one of claims 1 to 7.

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