CN113610515A - Account early warning method and device, electronic equipment and storage medium - Google Patents
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Abstract
The invention provides an account early warning method, an account early warning device, electronic equipment and a storage medium, which can be applied to the field of artificial intelligence or the field of finance. Because the information quantity of the second transfer information is higher than that of the first transfer information, after a small amount of transfer information hits a strong rule, a large amount of transfer information is subjected to error prejudgment, the error transfer of an account can be accurately and quickly identified, and the transfer safety is improved.
Description
Technical Field
The invention relates to the technical field of artificial intelligence, in particular to an account early warning method, an account early warning device, electronic equipment and a storage medium.
Background
The bank transfer system is excessive through the BGL account, but the BGL account does not set the limit amount due to bank requirements, so that a case that bank workers wrongly fill the bank card number into the transfer amount so as to transfer a large amount of cash to customers to cause disputes can occur, and the influence on the bank is very bad.
Disclosure of Invention
In view of the above, to solve the above problems, the present invention provides an account early warning method, an account early warning device, an electronic device, and a storage medium, where the technical scheme is as follows:
an account forewarning method, the method comprising:
acquiring first transfer information of a target account;
under the condition that the configured strong rule is hit in the first transfer information, second transfer information of the target account is obtained, and the information quantity of the second transfer information is higher than that of the first transfer information;
and carrying out error pre-judgment on the second transfer information, and executing processing operation aiming at the target account according to a pre-judgment result.
Preferably, the configuration manner of the strong rule includes:
extracting characteristic parameters from first information of a transfer party in a transfer dispute event, wherein the characteristic parameters comprise an amount characteristic and an account characteristic;
respectively analyzing the amount characteristics and the account characteristics, and determining transfer amount rules and transfer account rules of the transfer dispute cases;
correspondingly, the determining that the first forwarding information hits in the configured strong rule includes:
determining that the transfer amount in the first transfer information hits the transfer amount rule; alternatively, the first and second electrodes may be,
and determining that the transfer account in the first transfer information hits the transfer account rule.
Preferably, the predicting an error of the second transfer information includes:
calling a pre-judging model, wherein the pre-judging model is obtained by training network parameters of a basic network model by taking second information of both transfer parties in a transfer dispute event as a training sample and taking the error pre-judging result of the training sample approaching to the error marking result as a target;
and inputting the second transfer information into the pre-judging model so as to obtain an error pre-judging result of the second transfer information through the pre-judging model.
Preferably, the basic network model comprises an input layer, a hidden layer and an output layer, and the initial network parameters of the hidden layer are calculated by a genetic algorithm.
Preferably, the executing the processing operation for the target account according to the prejudgment result includes:
and performing alarm rechecking under the condition that the target account has wrong account transfer.
An account advance warning device, the device comprising:
the strong rule module is used for acquiring first transfer information of the target account; under the condition that the configured strong rule is hit in the first transfer information, second transfer information of the target account is obtained, and the information quantity of the second transfer information is higher than that of the first transfer information;
and the prejudgment module is used for carrying out error prejudgment on the second transfer information and executing processing operation aiming at the target account according to a prejudgment result.
Preferably, the configuration manner of the strong rule includes:
extracting characteristic parameters from first information of a transfer party in a transfer dispute event, wherein the characteristic parameters comprise an amount characteristic and an account characteristic; respectively analyzing the amount characteristics and the account characteristics, and determining transfer amount rules and transfer account rules of the transfer dispute cases;
correspondingly, the strong rule module, configured to determine that the first forwarding information hits the configured strong rule, is specifically configured to:
determining that the transfer amount in the first transfer information hits the transfer amount rule; alternatively, the first and second electrodes may be,
and determining that the transfer account in the first transfer information hits the transfer account rule.
Preferably, the prejudging module for performing error prejudging on the second transfer information is specifically configured to:
calling a pre-judging model, wherein the pre-judging model is obtained by training network parameters of a basic network model by taking second information of both transfer parties in a transfer dispute event as a training sample and taking the error pre-judging result of the training sample approaching to the error marking result as a target; and inputting the second transfer information into the pre-judging model so as to obtain an error pre-judging result of the second transfer information through the pre-judging model.
An electronic device, the electronic device comprising: at least one memory and at least one processor; the memory stores a program, and the processor calls the program stored in the memory, wherein the program is used for realizing the account early warning method.
A storage medium having stored therein computer-executable instructions for performing the account forewarning method.
Compared with the prior art, the invention has the following beneficial effects:
the invention provides an account early warning method, an account early warning device, electronic equipment and a storage medium. Because the information quantity of the second transfer information is higher than that of the first transfer information, after a small amount of transfer information hits a strong rule, a large amount of transfer information is subjected to error prejudgment, the error transfer of an account can be accurately and quickly identified, and the transfer safety is improved.
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, it is obvious that the drawings in the following description are only embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the provided drawings without creative efforts.
Fig. 1 is a flowchart of a method of an account early warning method according to an embodiment of the present invention;
fig. 2 is a flowchart of a part of a method of an account early warning method according to an embodiment of the present invention;
fig. 3 is a flowchart of another method of an account warning method according to an embodiment of the present invention;
fig. 4 is a schematic structural diagram of an account warning device according to an embodiment of the present invention;
fig. 5 is a schematic structural diagram of an electronic device according to an embodiment of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the 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.
In order to make the aforementioned objects, features and advantages of the present invention comprehensible, embodiments accompanied with figures are described in further detail below.
The embodiment of the invention provides an account early warning method, the flow chart of which is shown in figure 1, and the method comprises the following steps:
and S10, acquiring first transfer information of the target account.
In the embodiment of the invention, the BGL account of the transfer party, namely the target account, which is transferring accounts executes the account early warning before the transfer instruction is responded, and the amount of money under the account is transferred to the receiving party. Firstly, a small amount of transfer information of the target account is obtained, namely the first transfer information is subjected to strong rule verification. The first transfer information may include a transfer amount and a transfer account of the transfer party (i.e., an account of the receiver).
And S20, under the condition that the first transfer information is determined to hit the configured strong rule, obtaining second transfer information of the target account, wherein the information quantity of the second transfer information is higher than that of the first transfer information.
In the embodiment of the invention, strong rules are configured by collecting the case information of the past transfer dispute event and extracting the characteristic parameters of the transfer party through the experience of notarization personnel. Specifically, the configuration mode of the strong rule includes:
extracting characteristic parameters from first information of a transfer party in a transfer dispute event, wherein the characteristic parameters comprise an amount characteristic and an account characteristic; respectively analyzing the amount characteristics and the account characteristics, and determining transfer amount rules and transfer account rules of the transfer dispute cases;
in the embodiment of the invention, the related information of the transfer party, namely the first information, is obtained from the case information of the transfer dispute event, and the characteristic parameters are extracted from the first information, wherein the characteristic parameters are the money amount characteristic under the transfer amount and the account characteristic under the transfer account. Therefore, the change rule of the transfer party on the transfer amount and the change rule of the transfer account when the error transaction occurs can be analyzed, and the transfer amount rule and the transfer account rule are summarized and obtained.
For example, in terms of transfer amount, the transfer amount is too large or too small may be caused by misoperation of a clerk, so the transfer amount rule may set an upper transfer amount limit and a lower transfer amount limit, and values of the upper transfer amount limit and the lower transfer amount limit may be determined according to a mean distribution method, that is, a probability that the transfer amount of a transfer dispute event is between the upper transfer amount limit and the lower transfer amount limit is a value smaller than 0.002.
In addition, in the aspect of transfer accounts, the transfer account of the transfer is compared with a plurality of transfer accounts of historical transfer of a transfer party, for example, the transfer account of the transfer is compared with 5 transfer accounts transferred by the transfer party recently, and if the transfer accounts have different minority numbers and the same majority number, misoperation of a clerk may be caused.
Accordingly, the step S20 "determining that the first forwarding information hits the configured strong rule" includes the following steps:
determining that the transfer amount in the first transfer information hits a transfer amount rule; alternatively, the first and second electrodes may be,
and determining that the transfer account in the first transfer information hits the transfer account rule.
In the embodiment of the invention, if the transfer amount in the first transfer information is higher than the upper limit of the transfer amount or lower than the lower limit of the transfer amount, the transfer amount rule is determined to be hit. And if any transfer account corresponding to the transfer account in the first transfer information has the conditions of different minority digits and the same majority digits with any one of the 5 transfer account numbers transferred by the transfer party, such as different one digit and the same other digits with one transfer account number, determining that the transfer account rule is hit.
And S30, carrying out error pre-judgment on the second transfer information, and executing processing operation aiming at the target account according to the pre-judgment result.
In the embodiment of the invention, if the first transfer information of the target account is strong in the rule, the more detailed transfer information of the target account, namely the second transfer information, is continuously read. And pre-judging whether the transaction of the target account is a wrong transaction or not by means of a neural network model, and if so, transferring accounts after checking by related personnel so as to improve the safety of transferring accounts.
In a specific implementation process, the step S30 "perform error prediction on the second transfer information" may adopt the following steps, and a flowchart of the method is shown in fig. 2:
s301, a pre-judging model is called, the pre-judging model is obtained by training network parameters of a basic network model by taking second information of both transfer parties in a transfer dispute event as a training sample and taking the error pre-judging result of the training sample approaching to the error marking result as a target.
In the embodiment of the invention, case information of a past transfer dispute event is collected, and related information of both transfer parties, namely second information is obtained from the case information, wherein the second information comprises information such as personal assets of a transfer party, the relationship between the transfer party and a receiver, the relationship between a transfer account of the transfer party and a past transfer account of the transfer party and the like. And extracting the characteristic parameters of the second information so as to establish a characteristic parameter library of the training prejudgment model.
In the process of training to obtain the prejudgment model, the basic network model is trained by adopting the existing supervised learning mode, and the training samples are labeled with labels representing error transactions, namely error labeling results. The pre-judging model has the capability of approaching the error pre-judging result of the training sample to the error labeling result.
In addition, in the embodiment of the invention, the basic network model comprises an input layer, a hidden layer and an output layer, and the initial network parameters of the hidden layer are calculated through a genetic algorithm. The basic network model is used for explaining the BP neural network:
the embodiment of the invention combines the advantages of the BP neural network and the genetic algorithm, introduces the genetic algorithm in the aspect of optimizing the weight and the threshold of the BP neural network, and constructs the GA-BP neural network model. Determining a GA-BP neural network structure, determining the BP neural network structure according to the number of network input and output, and further determining the number of parameters needing to be optimized in a genetic algorithm.
According to the kolmogorov principle, a three-layer BP neural network is enough to complete any mapping from n dimension to m dimension, and generally only one hidden layer is needed. Therefore, the embodiment of the invention takes the extracted feature data number as the input layer node number, predicts whether the transfer is wrong transfer or not, and determines the hidden layer node number by adopting a trial and error method, thereby determining the GA-BP neural network structure. And (3) taking the optimal individual output by the genetic algorithm as an initial weight and an initial threshold of a hidden layer in the BP neural network to train and learn the BP neural network.
And on the basis of data analysis of the characteristic parameter library, training the GA-BP neural network model, and verifying the prediction accuracy of the model by using the test sample. And predicting whether the transfer is a wrong transfer or not through a GA-BP neural network model. By the method, the BGL account transfer errors are reduced, and the bank image is improved.
S302, inputting the second transfer information into the prejudgment model so as to obtain an error prejudgment result of the second transfer information through the prejudgment model.
In the embodiment of the invention, whether the second transfer information of the transfer is in wrong transaction or not is predicted through the pre-judging model, and whether the transfer needs to be returned for rechecking or not is predicted by means of the pre-judging model.
In other embodiments, to implement return recheck of a wrong transaction, on the basis of the account warning method shown in fig. 1, the method further includes the following steps, and the flow chart of the method is shown in fig. 3:
and S40, performing alarm recheck when the transfer error occurs in the target account.
In the embodiment of the invention, if the transfer is wrongly transacted, related personnel are warned to detect and submit again. In addition, if no error transaction occurs in the current transfer, the transfer operation to the payee is completed.
According to the account early warning method provided by the embodiment of the invention, in the transfer process of the target account, whether the strong rule of the wrong transfer is hit or not can be determined according to the first transfer information of the account, and if the strong rule is hit, the second transfer information of the account is subjected to error pre-judgment so as to finish the account early warning. Because the information quantity of the second transfer information is higher than that of the first transfer information, after a small amount of transfer information hits a strong rule, a large amount of transfer information is subjected to error prejudgment, the error transfer of an account can be accurately and quickly identified, and the transfer safety is improved.
Based on the account early warning method provided in the foregoing embodiment, an embodiment of the present invention correspondingly provides a device for executing the account early warning method, where a schematic structural diagram of the device is shown in fig. 4, and the device includes:
the strong rule module 101 is used for acquiring first transfer information of a target account; under the condition that the configured strong rule is hit by the first transfer information, second transfer information of the target account is obtained, and the information quantity of the second transfer information is higher than that of the first transfer information;
and the prejudging module 102 is configured to perform error prejudging on the second transfer information, and execute a processing operation for the target account according to a prejudging result.
Optionally, the configuration manner of the strong rule includes:
extracting characteristic parameters from first information of a transfer party in a transfer dispute event, wherein the characteristic parameters comprise an amount characteristic and an account characteristic; respectively analyzing the amount characteristics and the account characteristics, and determining transfer amount rules and transfer account rules of the transfer dispute cases;
correspondingly, the strong rule module 101 configured to determine that the first forwarding information hits the configured strong rule is specifically configured to:
determining that the transfer amount in the first transfer information hits a transfer amount rule; alternatively, the first and second electrodes may be,
and determining that the transfer account in the first transfer information hits the transfer account rule.
Optionally, the prejudging module 102 for performing error prejudging on the second transfer information is specifically configured to:
calling a pre-judging model, wherein the pre-judging model is obtained by training network parameters of a basic network model by taking second information of both transfer parties in a transfer dispute event as a training sample and taking the error pre-judging result of the training sample approaching to the error marking result as a target; and inputting the second transfer information into the prejudgment model so as to obtain an error prejudgment result of the second transfer information through the prejudgment model.
Optionally, the basic network model includes an input layer, a hidden layer, and an output layer, and the initial network parameters of the hidden layer are calculated by a genetic algorithm.
Optionally, the anticipation module 102 is further configured to:
and performing alarm rechecking under the condition that the target account has wrong account transfer.
It should be noted that detailed functions of each module in the embodiment of the present invention may refer to the corresponding disclosure of the above-mentioned account early warning method embodiment, and are not described herein again.
Based on the account early warning method provided by the above embodiment, an embodiment of the present invention correspondingly provides an electronic device, referring to a schematic structural diagram shown in fig. 5, where the electronic device includes: at least one memory 201 and at least one processor 202; the memory 201 stores a program, and the processor 202 calls the program stored in the memory 201, and the program is used for realizing the account early warning method.
Based on the account early warning method provided by the above embodiment, the embodiment of the present invention correspondingly provides a storage medium, where a computer-executable instruction is stored in the storage medium, and the computer-executable instruction is used to execute the account early warning method.
It should be noted that the account early warning method, the account early warning device, the electronic device and the storage medium provided by the invention can be used in the field of artificial intelligence or the field of finance. The above is merely an example, and the application fields of the account early warning method, the account early warning device, the electronic device, and the storage medium provided by the present invention are not limited.
The account early warning method, the account early warning device, the electronic device and the storage medium provided by the invention are described in detail, a specific example is applied in the description to explain the principle and the implementation of the invention, and the description of the embodiment is only used for helping to understand the method and the core idea of the invention; meanwhile, for a person skilled in the art, according to the idea of the present invention, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present invention.
It should be noted that, in the present specification, the embodiments are all described in a progressive manner, each embodiment focuses on differences from other embodiments, and the same and similar parts among the embodiments may be referred to each other. The device disclosed by the embodiment corresponds to the method disclosed by the embodiment, so that the description is simple, and the relevant points can be referred to the method part for description.
It is further noted that, herein, 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 or include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present invention. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the invention. Thus, the present invention is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.
Claims (10)
1. An account early warning method, characterized in that the method comprises:
acquiring first transfer information of a target account;
under the condition that the configured strong rule is hit in the first transfer information, second transfer information of the target account is obtained, and the information quantity of the second transfer information is higher than that of the first transfer information;
and carrying out error pre-judgment on the second transfer information, and executing processing operation aiming at the target account according to a pre-judgment result.
2. The method of claim 1, wherein the configuration of the strong rules comprises:
extracting characteristic parameters from first information of a transfer party in a transfer dispute event, wherein the characteristic parameters comprise an amount characteristic and an account characteristic;
respectively analyzing the amount characteristics and the account characteristics, and determining transfer amount rules and transfer account rules of the transfer dispute cases;
correspondingly, the determining that the first forwarding information hits in the configured strong rule includes:
determining that the transfer amount in the first transfer information hits the transfer amount rule; alternatively, the first and second electrodes may be,
and determining that the transfer account in the first transfer information hits the transfer account rule.
3. The method of claim 1, wherein mispredicating the second transfer information comprises:
calling a pre-judging model, wherein the pre-judging model is obtained by training network parameters of a basic network model by taking second information of both transfer parties in a transfer dispute event as a training sample and taking the error pre-judging result of the training sample approaching to the error marking result as a target;
and inputting the second transfer information into the pre-judging model so as to obtain an error pre-judging result of the second transfer information through the pre-judging model.
4. The method of claim 3, wherein the basic network model comprises an input layer, a hidden layer and an output layer, and wherein the initial network parameters of the hidden layer are calculated by a genetic algorithm.
5. The method of claim 1, wherein the performing the processing operation for the target account according to the pre-determined result comprises:
and performing alarm rechecking under the condition that the target account has wrong account transfer.
6. An account advance warning device, characterized in that the device comprises:
the strong rule module is used for acquiring first transfer information of the target account; under the condition that the configured strong rule is hit in the first transfer information, second transfer information of the target account is obtained, and the information quantity of the second transfer information is higher than that of the first transfer information;
and the prejudgment module is used for carrying out error prejudgment on the second transfer information and executing processing operation aiming at the target account according to a prejudgment result.
7. The apparatus of claim 6, wherein the configuration of the strong rules comprises:
extracting characteristic parameters from first information of a transfer party in a transfer dispute event, wherein the characteristic parameters comprise an amount characteristic and an account characteristic; respectively analyzing the amount characteristics and the account characteristics, and determining transfer amount rules and transfer account rules of the transfer dispute cases;
correspondingly, the strong rule module, configured to determine that the first forwarding information hits the configured strong rule, is specifically configured to:
determining that the transfer amount in the first transfer information hits the transfer amount rule; alternatively, the first and second electrodes may be,
and determining that the transfer account in the first transfer information hits the transfer account rule.
8. The apparatus of claim 6, wherein the anticipation module that erroneously anticipates the second transfer information is specifically configured to:
calling a pre-judging model, wherein the pre-judging model is obtained by training network parameters of a basic network model by taking second information of both transfer parties in a transfer dispute event as a training sample and taking the error pre-judging result of the training sample approaching to the error marking result as a target; and inputting the second transfer information into the pre-judging model so as to obtain an error pre-judging result of the second transfer information through the pre-judging model.
9. An electronic device, characterized in that the electronic device comprises: at least one memory and at least one processor; the memory stores a program, and the processor calls the program stored in the memory, wherein the program is used for realizing the account early warning method in any one of claims 1-5.
10. A storage medium having stored thereon computer-executable instructions for performing the account forewarning method of any one of claims 1-5.
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