CN113888317A

CN113888317A - Method and device for managing and controlling credit funds

Info

Publication number: CN113888317A
Application number: CN202111221939.7A
Authority: CN
Inventors: 谭聪
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: Alipay Hangzhou Information Technology Co Ltd
Priority date: 2021-10-20
Filing date: 2021-10-20
Publication date: 2022-01-04

Abstract

The embodiment of the specification provides a method and a device for managing and controlling credit funds. Determining a circulation path of credit funds from a fund transaction sequence diagram, wherein the fund transaction sequence diagram is composed of a plurality of nodes and a plurality of directed edges, each node represents a payment tool owned by a user, each directed edge represents a transaction, each directed edge of each node is associated with at least one incoming directed edge of the node, which provides transaction funds for the transaction with the directed edge, the node information of each node comprises user identification and payment tool identification information, and the edge information of each directed edge comprises transaction amount and/or transaction scene of the corresponding transaction; acquiring transaction characteristic information of each transaction after the first circulation of the credit fund in the circulation path; identifying illegal use of the credit funds according to the acquired transaction characteristic information by using a credit fund illegal use identification model; and executing corresponding management and control operation according to the recognition result.

Description

Method and device for managing and controlling credit funds

Technical Field

The embodiment of the specification relates to the technical field of fund management and control, in particular to a method and a device for managing and controlling credit funds.

Background

The credit funds refer to monetary funds which are accumulated and distributed by the financial institution in a credit manner, and the credit funds can be provided to the applicant by a qualified bank or loan institution. For example, in a general scenario, a user may apply for a loan from a lending institution, which may review the user's personal information and credit, etc., and after the review passes, the lending institution may provide the user with credit funds.

Credit funding can fund a user in a timely manner in the event that the user is under-funded, and is therefore a widely used financial instrument in modern society. The use of credit funds after they have been issued by banks or loan institutions is also regulated by regulatory bodies to avoid illegal use of credit funds. Based on this, how to identify the illegal use of credit funds is an urgent problem to be solved.

Disclosure of Invention

In view of the foregoing, embodiments of the present specification provide methods and apparatuses for managing credit funds. Through the technical scheme provided by the embodiment of the specification, illegal use of the credit fund can be effectively identified, so that the illegal use of the credit fund is controlled.

According to an aspect of an embodiment of the present specification, there is provided a method for regulating credit funds, including: determining a circulation path of credit funds from a fund transaction sequence diagram, wherein the fund transaction sequence diagram is composed of a plurality of nodes and a plurality of directed edges, each node represents a payment tool owned by a user, each directed edge represents a transaction, each directed edge of each node is associated with at least one incoming directed edge of the node, which provides transaction funds for the transaction with the directed edge, node information of each node comprises user identification and payment tool identification information, and edge information of each directed edge comprises transaction amount and/or transaction scene of corresponding transaction; acquiring transaction characteristic information of each transaction after the first circulation of the credit fund in the circulation path; identifying illegal use of the credit funds based on the acquired transaction characteristic information using a credit fund illegal use identification model; and executing corresponding management and control operation according to the recognition result.

According to another aspect of embodiments herein, there is also provided an apparatus for regulating credit funds, including: the fund flow path determining unit is used for determining a flow path of credit funds from a fund transaction sequence diagram, wherein the fund transaction sequence diagram is composed of a plurality of nodes and a plurality of directed edges, each node represents a payment tool owned by a user, each directed edge represents a transaction, each directed edge of each node is associated with at least one incoming directed edge of the node, which provides transaction funds for the transaction of the directed edge, the node information of each node comprises user identification and payment tool identification information, and the edge information of each directed edge comprises transaction amount and/or transaction scene of corresponding transaction; the transaction characteristic information acquisition unit is used for acquiring the transaction characteristic information of each transaction after the first circulation of the credit fund in the circulation path; a fund illegal use identification unit which identifies illegal use of the credit fund according to the acquired transaction characteristic information by using a credit fund illegal use identification model; and the fund control unit executes corresponding management and control operation according to the identification result.

According to another aspect of embodiments herein, there is also provided an electronic device, including: at least one processor, a memory coupled with the at least one processor, and a computer program stored on the memory, the at least one processor executing the computer program to implement any of the above-described methods for regulating credit funds.

According to another aspect of embodiments herein, there is also provided a computer readable storage medium storing a computer program which, when executed by a processor, implements the method for governing credit funds as described above.

According to another aspect of embodiments herein, there is also provided a computer program product comprising a computer program which, when executed by a processor, implements a method for regulating credit funds as described in any one of the above.

Drawings

A further understanding of the nature and advantages of the contents of the embodiments of the present specification may be realized by reference to the following drawings. In the drawings, similar components or features may have the same reference numerals.

Fig. 1 shows a flowchart of one example of a method for regulating credit funds according to an embodiment of the present description.

FIG. 2 illustrates a schematic diagram of one example of a funding transaction timing diagram, according to an embodiment of the present description.

FIG. 3 is a diagram illustrating an example of a flow path of a credit fund according to an embodiment of the present disclosure.

Fig. 4 shows a block diagram of one example of an apparatus for regulating credit funds according to an embodiment of the present description.

Fig. 5 shows a block diagram of an electronic device 500 for implementing a credit fund management method according to an embodiment of the present description.

Detailed Description

The subject matter described herein will be discussed with reference to example embodiments. It should be understood that these embodiments are discussed only to enable those skilled in the art to better understand and thereby implement the subject matter described herein, and are not intended to limit the scope, applicability, or examples set forth in the claims. Changes may be made in the function and arrangement of elements discussed without departing from the scope of the embodiments of the disclosure. Various examples may omit, substitute, or add various procedures or components as needed. In addition, features described with respect to some examples may also be combined in other examples.

As used herein, the term "include" and its variants mean open-ended terms in the sense of "including, but not limited to. The term "based on" means "based at least in part on". The terms "one embodiment" and "an embodiment" mean "at least one embodiment". The term "another embodiment" means "at least one other embodiment". The terms "first," "second," and the like may refer to different or the same object. Other definitions, whether explicit or implicit, may be included below. The definition of a term is consistent throughout the specification unless the context clearly dictates otherwise.

Currently, illegal use of credit funds can be identified by artificially established rules, for example, when an account receives credit funds and then uses illegal transactions in expenditure transactions of the account as a payer, for example, when a house is bought with credit funds, the illegal use of credit funds can be considered.

However, identifying illegal use of credit funds through such current manually-made rules is not very business-wise interpretable. For example, the account may have funds transferred in addition to the credit funds, and the transferred funds may be used for the house purchase, so that the account user may have the funds from the credit funds and the transferred funds from the house purchase, and the above-mentioned manual rule manner cannot effectively distinguish the funds, thereby causing inaccurate identification of illegal use of the credit funds and poor interpretability.

In view of the foregoing, embodiments of the present specification provide methods and apparatuses for managing credit funds. Determining a circulation path of credit funds from a fund transaction sequence diagram, wherein the fund transaction sequence diagram is composed of a plurality of nodes and a plurality of directed edges, each node represents a payment tool owned by a user, each directed edge represents a transaction, each directed edge of each node is associated with at least one incoming directed edge of the node, which provides transaction funds for the transaction of the outgoing directed edge, node information of each node comprises a user identifier of the node and type information of the corresponding payment tool, and edge information of each directed edge comprises transaction time, transaction amount and transaction scene of the corresponding transaction; acquiring transaction characteristic information of each transaction after the first circulation of the credit fund in the circulation path; identifying illegal use of the credit funds according to the acquired transaction characteristic information by using a credit fund illegal use identification model; and executing corresponding management and control operation according to the recognition result. Through the technical scheme provided by the embodiment of the specification, illegal use of the credit fund can be effectively identified, so that the illegal use of the credit fund is controlled.

The following describes a method and an apparatus for managing and controlling credit funds provided in the embodiments of the present specification with reference to the accompanying drawings.

Fig. 1 shows a flow diagram of one example 100 of a method for regulating credit funds in accordance with an embodiment of the present description.

As shown in fig. 1, at 110, a flow path for credit funds is determined from a funds transaction timing diagram.

In an embodiment of the present specification, the fund transaction timing graph may be composed of a plurality of nodes and a plurality of directed edges, as shown in fig. 2, and fig. 2 is a schematic diagram illustrating an example of the fund transaction timing graph according to an embodiment of the present specification.

In the funding transaction timing diagram, each node may represent a payment instrument owned by a user. The payment means may be a payment asset medium for payment and collection, for example, the payment means may include a bank card, a balance treasure, a flower and a debit, etc. The payment instruments may include a credit asset payment instrument, which may be a payment instrument for providing credit funds, such as flowers, borrowings, etc., and a non-credit asset payment instrument, which may be a source of credit funds. The credit asset payment instrument may provide the corresponding credit funds based on the user's credit in accordance with the user's application.

When a user has multiple payment instruments, each payment instrument of the user may be characterized by a corresponding node, and accordingly, the user may correspond to multiple nodes. For example, as shown in fig. 2, the payment instrument of the user a includes a bank card, a balance treasured and a debit, and then in the fund transaction sequence diagram shown in fig. 2, three nodes corresponding to the user a are respectively provided, and respectively correspond to three payment instruments of the user a.

In the fund transaction sequence diagram, each node may correspond to node information, and the node information of each node may include a user identifier and payment instrument identification information, where the user identifier is used to characterize a user corresponding to the node, and the payment instrument identification information is used to characterize a payment instrument corresponding to the node. Taking fig. 2 as an example, the node information of the node corresponding to the borrowing of the user a may include the identification of the user a and the identification information of the borrowing, so as to indicate that the node may be used to characterize the borrowing of the payment instrument of the user a.

In the fund transaction sequence diagram, each directed edge can be used for representing a transaction, each directed edge has directionality, and the direction of the directed edge is used for representing the fund flow direction in the transaction. Each directed edge is directed from one end (origin) to the other end (terminal), where the origin may be a payer of the transaction and the terminal may be a payee of the transaction. Taking fig. 2 as an example, the direction of the directional edge 1 is from the node for characterizing the borrowing of the user a to the node for characterizing the balance treasure of the user a, and the transaction represented by the directional edge 1 is a transaction between the borrowing of the user a and the balance treasure, wherein the borrowing of the user a is a payer and the balance treasure of the user a is a payee.

In the fund transaction timing diagram, each directed edge may correspond to edge information, and the edge information of each directed edge may include a transaction amount and/or a transaction scenario of a corresponding transaction. The transaction scenario may include a consumption scenario, a transfer scenario, a repayment scenario, a financing scenario, a stock investment scenario, a house purchase scenario, and the like. In addition, the side information may also include a transaction time for the corresponding transaction.

The directed edges may be divided into outgoing directed edges and incoming directed edges. An outgoing directed edge is a directed edge that is issued from a node, i.e., the node acts as a payer in the transaction represented by the outgoing directed edge. An incoming directed edge is a directed edge that points to a node, i.e., the node acts as the payee in the transaction represented by the incoming directed edge. Each directed edge can be used as an outgoing directed edge and an incoming directed edge at the same time, and each directed edge is an outgoing directed edge for the start-end node and an incoming directed edge for the end-end node. Taking fig. 2 as an example, the directed edge 1 is an outgoing directed edge for the node representing the borrowing of the user a, that is, the borrowing of the user a is a payer, and is an incoming directed edge for the node representing the balance treasure of the user a, that is, the balance treasure of the user a is a payee.

In the fund transaction sequence diagram, a node may only have a directed edge, and then the node has only a payout, for example, the node in fig. 2 that characterizes the debit of user a. A node may also have only incoming directed edges and then only revenue, e.g., the node in fig. 2 that characterizes user a's bank card. A node may also have both incoming and outgoing directed edges, and the node has both revenue and expense.

In the fund transaction timing diagram, each outgoing directed edge of a node is associated with at least one incoming directed edge of the node that provides transaction funds for the outgoing directed edge transaction, i.e., the transaction funds of the outgoing directed edge are derived from the transaction funds of the incoming directed edge associated with the outgoing directed edge. The transaction time of each directed edge entering associated with the directed edge exiting is earlier than the transaction time of the directed edge exiting.

In one example, each directed edge-out transaction fund is associated with the directed edge-in transaction fund associated with the directed edge-out transaction fund such that the directed edge-out transaction fund is equal to the sum of the transaction funds of all the associated directed edges-in transaction funds. In this example, in an incoming directed edge associated with an outgoing directed edge, there may be all transaction funds of the incoming directed edge for the transaction funds of the outgoing directed edge, there may also be a portion of the transaction funds of the incoming directed edge for the transaction funds of the outgoing directed edge, and another portion of the transaction funds may be for the other transaction funds of the outgoing directed edge.

Taking fig. 2 as an example, the transaction fund entering the directed edge 1 is 100, the transaction fund entering the directed edge 2 is 200, and the transaction fund exiting the directed edge 3 is also 120, where the transaction fund 120 exiting the directed edge 3 is respectively associated with the transaction fund 100 entering the directed edge 1 and the transaction fund 20 entering the directed edge 2, then all the transaction funds entering the directed edge 1 are used as the transaction fund exiting the directed edge 3, 20 of the transaction funds entering the directed edge 2 are used as the transaction fund exiting the directed edge 3, and other transaction funds are used as the transaction funds exiting other directed edges.

By establishing the incidence relation between the directed edge and the incoming directed edge in the fund transaction sequence chart, the flow direction of each fund can be clarified, so that the flow direction of each credit fund is further determined, and whether the credit fund uses the violation or not is conveniently identified according to the flow direction of the credit fund.

In one example, for a node, when an incidence relation between an outgoing directed edge and an incoming directed edge is established, the transaction time of each incoming directed edge associated with the outgoing directed edge is earlier than the transaction time of the outgoing directed edge. When the node has only one incoming directed edge, then each outgoing directed edge of the node is associated with the incoming directed edge. When the node has a plurality of incoming directed edges, the node can be associated according to the principle of first-in last-out and last-in first-out, namely, the transaction fund corresponding to the outgoing directed edge of the node preferentially uses the transaction fund with later transaction time in the incoming directed edge, and correspondingly, the transaction fund which enters the node earlier by the transaction corresponding to the incoming directed edge is used for the outgoing directed edge of the node later.

Specifically, for one outgoing directed edge to be associated on a node, incoming directed edges with a transaction time earlier than that of the outgoing directed edge on the node may be determined, each determined incoming directed edge corresponds to a transaction time, and then, each incoming directed edge is sequentially associated to the outgoing directed edge according to the sequence from late to early of the transaction time until the sum of the transaction funds of all the associated incoming directed edges is greater than or equal to the transaction funds of the outgoing directed edge. Thereby, the incidence relation between the outgoing directed edge and the incoming directed edge can be established.

For the construction of the fund transaction sequence chart, in one example, first, transaction information of each transaction may be acquired, and the acquired transaction may be a global transaction, so as to facilitate the construction of a more complete fund transaction sequence chart. The transaction information may include user identification and payment instrument identification information of the transaction party, transaction time, transaction amount, transaction scenario, and the like, and the transaction party may include a payer and a payee of the transaction.

Then, a fund transaction sequence chart with the payment tool of the user as a node and the transaction as a directed edge can be constructed according to the acquired transaction information of each transaction. The direction of the directed edge of each transaction is directed from the payer to the payee of the transaction, and can be used to represent the flow of the transaction funds in the transaction.

Each fund in the established fund transaction timing graph may then be flagged to indicate a circulation path for each fund in the fund transaction timing graph.

In an example of an embodiment of the present specification, for each node in the fund transaction timing graph, when a transaction amount corresponding to an outgoing directed edge of the node is exactly equal to a sum of transaction amounts corresponding to all incoming directed edges of the node, the outgoing directed edge may be associated with each incoming directed edge of the node respectively.

In another example of an embodiment of the present specification, first, a starting node in each circulation path may be determined in a fund transaction timing graph, each starting node is also a starting node in the circulation path to which the starting node provides funds.

In one determination manner of the starting node, the node in the fund transaction timing graph, which has only directed edges and has no directed edges, can be determined as the starting node. In this manner, only the paying instruments characterized by the nodes with directed edges out and without directed edges in do not receive funds from the outside, and all the transaction funds of the directed edges out of the node come from the paying instrument itself characterized by the node.

In another determination manner of the start node, a node in the fund transaction timing graph, in which the latest time point of all directed edges is earlier than the earliest time point of all directed edges, may be determined as the start node. In this way, all transactions entering the directed edge occur at the earliest time point and after the earliest time point, all transactions exiting the directed edge occur at the latest time point and before the latest time point, and the latest time point is earlier than the earliest time point, so that it can be determined that all transactions exiting the directed edge occur before all transactions entering the directed edge, and then the transaction funds entering the directed edge are not used for each transaction exiting the directed edge, so that all transaction funds exiting the directed edge come from the payment instrument itself characterized by the node, and further, the node can be determined as the starting node.

After the start node is determined, a circulation path of the funds starting from the start node may be determined in the fund transaction timing diagram. Then, each node in the flow path may be calculated according to the flow path to which the start node belongs, so as to associate the outgoing directed edge and the incoming directed edge in each node.

In an example, each node in the circulation path may be sequentially calculated according to the sequence of the circulation path, and each time the calculation of one node is completed, the association relationship between the outgoing directed edge and the incoming directed edge of the node may be obtained, and then the association relationship of the next node may be calculated, and after the association relationship of the next node is obtained, the association relationship of the node may be combined with the association relationship of the next node, so that after the association relationship of the last node in the circulation path is obtained, the association relationship of the last node in the circulation path may be combined with the association relationship of each previous node, and thus the front-back association relationship of the fund transaction for the circulation path may be obtained.

In another example, all or part of the nodes in the circulation path may be calculated in parallel to obtain the association relationship between the outgoing directed edge and the incoming directed edge of each node. When all the nodes in the circulation path complete calculation and obtain the corresponding incidence relation between the outgoing directed edge and the incoming directed edge, the incidence relation corresponding to each node can be combined to obtain the front and back incidence relation of the fund transaction aiming at the circulation path. By parallel computing in the example, the computing rate of the nodes can be increased, so that the construction efficiency of the fund transaction sequence chart is improved.

In the calculation manner for each node, for each outgoing directed edge of each node, an incoming directed edge that provides transaction funds for the outgoing directed edge may be determined from the incoming directed edges of the node according to the transaction time and the transaction amount of the outgoing directed edge, that is, the transaction funds of the outgoing directed edge are from the determined transaction funds of the incoming directed edge. And the transaction time of the directed edge is used for screening the directed edges with the transaction time earlier than that of the directed edge from all the directed edges of the node, and the transaction amount of the directed edge is used for matching the directed edges providing transaction funds for the directed edge, so that the sum of the determined transaction amounts of the directed edges is larger than or equal to the transaction amount of the directed edge.

In one example, an incoming directed edge that provides transaction funds for the outgoing directed edge may be determined from the incoming directed edge of the node based on the transaction time and transaction amount of the outgoing directed edge and the transaction time of each incoming directed edge of the node. In this example, the outgoing and incoming directed edges may be associated on a first-in-last-out, last-in-first-out basis. Specifically, for one outgoing directed edge to be associated on a node, incoming directed edges whose transaction time is earlier than that of the outgoing directed edge may be screened first, each screened incoming directed edge corresponds to a transaction time, and then, each incoming directed edge is associated to the outgoing directed edge in sequence from late to early according to the transaction time until the sum of the transaction funds of all the associated incoming directed edges is greater than or equal to the transaction fund of the outgoing directed edge. Thereby, the incidence relation between the outgoing directed edge and the incoming directed edge can be established.

After determining the directed edges for providing the transaction funds for the directed edges, the determined directed edges may be associated with the directed edges, so as to obtain an association relationship between the directed edges for the nodes.

In the embodiment of the present specification, based on the association relationship between each outgoing directed edge and incoming directed edge in the fund transaction timing chart, the flow direction of each fund can be determined, and the flow direction of the fund forms a fund flow path. Further, the funds in the fund transaction timing diagram include credit funds, so that a flow path for each credit fund may be determined.

In one example, a flow path for credit funds may be determined from a funds transaction timing diagram according to the payment instrument characterized by the originating node in each flow path.

In this example, the transaction in which the originating node in each flow path participates is the first transaction in the flow path in which the payment instrument characterized by the originating node is the payer for the transaction. When the payment instrument characterized by the originating node is a credit asset payment instrument, then it may be determined that the first transaction is a transaction of credit funds. Accordingly, it may be determined that the circulation path to which the originating node belongs is a circulation path of credit funds.

In this example, when the payment instrument characterized by the originating node is a credit asset payment instrument, it may be determined that the payment instrument that is the payee in the first transaction may be a savings-enabled payment instrument, such as a debit card, a balance treasurer, and the like. In the first transaction in which the credit asset payment instrument participates, the credit asset payment instrument provides credit funds to the savings-enabled payment instrument and stores the credit funds in the payment instrument for use.

In one example of the embodiments of the present specification, a plurality of computing nodes may be provided for computing each node in the fund transaction timing graph to determine an association relationship between an outgoing directed edge and an incoming directed edge in each node.

The nodes to be calculated can be evenly distributed to the calculation nodes according to the number of the calculation nodes and the number of the nodes to be calculated in the fund transaction sequence diagram, so that the calculation amount born by each calculation node is the same or similar. In one example, each node to be computed may be assigned to a corresponding compute node by way of a hash.

Each computing node assigned with the nodes to be computed can simultaneously perform computation, and the overall computation efficiency of the fund transaction sequence diagram can be improved. In the calculation mode, for two nodes which are mutually associated, after the calculation node corresponding to the previous node completes the calculation of the previous node, the calculation node corresponding to the next node which is associated can be informed, so that the calculation node calculates the next node. The notification method may include sending a notification message to a computing node corresponding to a next node, where the notification message may include an identifier of the next node to be computed, and the like, and may further include an association relationship between an outgoing directed edge and an incoming directed edge in a previous node.

Taking fig. 3 as an example, fig. 3 shows a schematic diagram of one example of a circulation path of a credit fund according to an embodiment of the present specification. As shown in fig. 3, the first node and the fourth node are assigned to the computing node a, the second node is assigned to the computing node b, and the third node and the fifth node are assigned to the computing node c, according to the association sequence of each node, firstly, the computing node a computes the first node, after the computation of the first node is completed, the computing node b can compute the second node, then, the computing node c computes the third node, the computing node a computes the fourth node, and the computing node c computes the fifth node.

Returning to FIG. 1, at 120, transaction characteristic information for each transaction after a first circulation of credit funds in the circulation path is obtained.

In embodiments of the present description, the first flow of credit funds may be the first transaction in the flow path, the first transaction being the transaction used to obtain credit funds. A first flow of credit funds may be issued by a credit asset payment instrument as a payer, directed to a payment instrument with savings functionality as a payee.

After the first flow of credit funds, the user may have access to the credit funds such that each transaction after the first flow of credit funds dominates the transactions conducted with the credit funds. Transactions that govern credit funds may be used to identify whether credit funds are in violation of use.

The transaction characteristic information of each transaction after the first circulation of the credit fund can reflect the dominance condition of the credit fund in the transaction, and the dominance condition of the credit fund can influence the illegal use identification of the credit fund.

In one example, the transaction characteristic information may include transaction scenarios, where transactions of different transaction scenarios have different impacts on identification of a violation for use of a credit fund. When the transaction scenario is a credit fund illegal use scenario, such as a house purchasing scenario, a financing scenario, etc., the credit fund illegal use in the transaction under the transaction scenario may cause an increase in the probability that the credit fund is identified as illegal use.

In addition, the transaction characteristic information may further include: the proportion of credit funds used in the transaction amount and/or the proportion of credit funds used in the transaction in the total credit funds included in the flow path. Wherein the total credit funds included in the circulation path are the total credit funds provided by the credit asset payment instrument in the first transaction of the circulation path, and the credit funds of the transactions in the circulation path all originate from the total credit funds.

The higher the proportion of the credit fund used in the transaction amount, the higher the probability that the credit fund is identified as being used in violation in the context of a transaction in which the violation is used. The higher the proportion of credit funds used in the transaction in the total credit funds included in the diversion path, the higher the probability that a credit fund is identified as being used in an violation in the context of an illegally used transaction.

In addition, the transaction characteristic information may also include the transaction amount and/or the circulation turn of the transaction in the circulation path. In a transaction scenario where a credit fund is used in violation, a higher transaction amount may result in a higher probability that the credit fund is identified as being used in violation.

In the flow path of the credit funds, multiple rounds of transactions for the credit funds may be included, the earlier the cycle of the transaction in the flow path, the greater the impact on identification of illegal use of the credit funds. Taking FIG. 3 as an example, as shown in FIG. 3, directed edge 1 is the first flow of credit funds, and the transaction characterized by directed edge 2 identifies a greater impact on the illegal use of credit funds than the impact produced by the transactions of subsequent flows (e.g., the transactions characterized by directed edge 3).

In one example, transaction characteristic information is obtained for each transaction performed by a credit fund applicant after a first transaction of credit funds in the circulation path.

The credit fund applicant is the payee of the first transaction in the circulation path and is also the party with the right to dominate the credit fund. The condition of domination of the credit funds by the credit fund applicant with the credit fund domination right has a greater influence on the identification of illegal use of the credit funds, and when the credit fund applicant illegally uses the credit funds as a payer, the condition that the illegal use of the credit funds exists can be determined, and the credit funds need to be managed.

Based on the above, only the transaction characteristic information of each transaction executed by the credit fund application party with larger influence is acquired for identifying the illegal use of the credit fund, and on the basis of ensuring the identification accuracy, the data volume to be identified is reduced, so that the identification efficiency can be improved.

Taking fig. 3 as an example, as shown in fig. 3, the transactions after the first circulation of the credit fund include the transactions characterized by the directed edge 2, the transactions characterized by the directed edge 3, and the transactions characterized by the directed edge 4, wherein the credit fund applicant is the user a, and the transactions characterized by the directed edges 2 and 3 are the transactions performed by the credit fund applicant, then the transaction characteristic information of the transactions characterized by the directed edges 2 and 3 can be obtained.

In another example, transaction characteristic information of a first transaction performed by a credit fund applicant using credit funds after a first transfer of credit funds in a transfer path is obtained.

The recognition of the illegal use of credit funds in the transactions performed by the credit fund applicant after the first transfer of credit funds has the greatest impact on the identification of the first transaction performed by the credit fund applicant after the first transfer of credit funds using credit funds, which is the transaction characterized by directional edge 2, for example, as shown in fig. 3.

Based on the above, only the first transaction performed by the credit fund applicant after the first circulation of the credit fund using the credit fund can be used for identifying whether the use of the credit fund is illegal, which further reduces the data amount to be identified and can also ensure the accuracy of identification.

At 130, illegal use of credit funds is identified using the credit fund illegal use identification model based on the acquired transaction characteristic information.

In this embodiment, the credit fund violation identification model may include a trained machine learning module, a deep learning model, and the like, and the credit fund violation identification model using different models may use different types of algorithms, such as a GBDT (Gradient Boosting Decision Tree) algorithm, an LR (Logistic Regression) algorithm, and the like.

In embodiments of the present description, the acquired transaction characteristic information may be input to the credit fund violation usage recognition model on a per-transaction basis as transaction characteristic information for transactions that belong to the same transaction as the transaction characteristic information input within a unit. The credit fund violation usage identification model identifies violation usage of credit funds based on the entered transaction characteristic information for each transaction.

In one example, the output results of the credit fund usage identification model may include a credit fund usage violation and a credit fund usage non-violation. For example, when the recognition result of the credit-fund violation usage recognition model is a credit-fund usage violation, the credit-fund violation usage recognition model may output "yes"; when the recognition result of the credit-fund violation use recognition model is that the credit-fund usage does not violate, the credit-fund violation use recognition model may output "no".

In another example, the recognition results of credit fund violations using the recognition model may be divided into a number of levels, and the number of levels divided may be customized. The various levels may be divided according to the severity of the violation, with the higher the level the more severe the violation.

In this example, the rank of the recognition result may be characterized by the form of a numerical interval, with higher numerical values corresponding to higher ranks. For example, four levels are set, the value section corresponding to the highest level is (0.9, 1 '), the value section corresponding to the second highest level is (0.8, 0.9 '), the value section corresponding to the third highest level is (0.6, 0.8 '), and the value section corresponding to the lowest level is (0, 0.6.

At 140, a corresponding management operation is performed based on the recognition result.

In the embodiments of the present specification, the recognition result of the credit fund violation use recognition model may be presented in various forms, such as a degree of grade, a numerical value, and the like. In addition, the recognition result of the credit fund violation use recognition model may include a result for distinguishing different levels, and the recognition result of different levels may set different credit fund management measures correspondingly.

For example, if the violation degree corresponding to the highest level is the highest, the corresponding control measure may include triggering and executing a post-loan promotion program; the severity of the violation corresponding to the rank is also the next, at which point the corresponding regulatory action may include alerting the credit fund applicant; ranking the third corresponding violation severity also, wherein the corresponding management and control measures may include triggering an internal alarm to more closely monitor the violation-used credit funds and the credit fund applicant at that time; the lowest level corresponds to a credit fund usage violation, and then no regulatory action may be taken at this time.

By the embodiment of the specification, the credit funds can be tracked through the fund transaction sequence chart, and the proportion of the credit funds in the transaction funds of each transaction can be accurately determined through the tracking of the credit funds, so that the transaction funds are interpretable in service. In addition, the credit fund usage violation can be more accurately identified by the credit fund violation usage identification model through the transaction characteristic information of each transaction in the circulation path of the credit fund.

In one example of the embodiments of the present specification, in addition to the transaction characteristic information of each transaction after the first circulation of the credit funds in the circulation path, the user characteristic information of the payee and the payer in each transaction may be acquired. The user characteristic information may include at least one of industry type information of the user, relationship type information between the payee and the payer, and the like, wherein the industry type information may include a real estate type, a financial financing type, and the like, and the relationship type information may include a relationship between relatives, a daily consumption transfer relationship, and the like.

The illegal use of credit funds may then be identified from the acquired transaction and user characteristic information using a credit funds illegal use identification model.

When the industry characterized by the payee's industry type information is an industry domain into which credit funds are prohibited from entering, the industry type information may increase the probability that a credit fund usage violation is identified. For example, when the industry type of the payee in a transaction involving credit funds is the real estate type, the transaction may be considered to involve a credit funds usage violation to some extent.

When the information of the type of the relationship between the payee and the payer in one transaction containing the credit funds comprises the relatively common transaction relationships such as the relationship between relatives and daily consumption and transfer relations, the credit funds in the transaction are considered to be used without violation to a certain extent.

In this example, using both transaction characteristic information for the transaction and user characteristic information as a basis for identifying whether a credit fund uses a violation may further increase the accuracy of credit fund violation identification using an identification model.

Fig. 4 shows a block diagram of one example of an apparatus for regulating credit funds (hereinafter referred to as a credit funds regulation apparatus 400) according to an embodiment of the present specification.

As shown in fig. 4, the credit fund management apparatus 400 includes a fund flow path determination unit 410, a transaction characteristic information acquisition unit 420, a fund violation usage identification unit 430, and a fund management unit 440.

A fund flow path determining unit 410 configured to determine a flow path of credit funds from a fund transaction sequence diagram, wherein the fund transaction sequence diagram is composed of a plurality of nodes and a plurality of directed edges, each node represents a payment instrument owned by a user, each directed edge represents a transaction, each outgoing directed edge of a node is associated with at least one incoming directed edge of the node that provides transaction funds for the outgoing directed edge transaction, node information of each node includes a user identifier and payment instrument identifier information, and edge information of each directed edge includes a transaction amount and/or a transaction scenario of a corresponding transaction.

In one example, the fund flow path determination unit 410 is further configured to determine a flow path for credit funds from the fund transaction timing graph according to the payment instrument characterized by the originating node in each flow path.

In one example, the credit fund management and control apparatus 400 may further include a transaction information acquisition unit, a fund transaction timing diagram construction unit, and a fund marking unit.

The transaction information acquisition unit is configured to: and acquiring transaction information of the transaction, wherein the transaction information comprises user identification and payment instrument identification information of a transaction party, transaction time, transaction amount and transaction scene.

The fund transaction timing diagram construction unit is configured to: and constructing a fund transaction sequence chart with the payment instrument of the user as a node and the transaction as a directed edge.

The fund marking unit is configured to: marking each fund in the fund transaction sequence chart so as to determine the circulation path of each fund in the fund transaction sequence chart.

In one example, the funds marking unit may be further configured to: determining a starting node in each circulation path in a fund transaction sequence diagram; and calculating each node in the circulation path according to the circulation path to which the determined starting node belongs in the following mode so as to associate outgoing directed edges and incoming directed edges in each node: aiming at each outgoing directed edge of each node, determining an incoming directed edge for providing transaction funds for the outgoing directed edge from the incoming directed edge of the node according to the transaction time and the transaction amount of the outgoing directed edge; and associating the determined incoming directed edge with the outgoing directed edge.

In one example, the funds marking unit may be further configured to: determining nodes which only have directed edges and do not have directed edges in a fund transaction sequence diagram as initial nodes; or determining a node in the fund transaction timing graph, wherein the latest time point of all directed edges is earlier than the earliest time point of all directed edges, as a starting node.

A transaction characteristic information obtaining unit 420 configured to obtain transaction characteristic information of each transaction after a first circulation of credit funds in the circulation path.

In one example, the transaction characteristic information obtaining unit 420 is further configured to obtain transaction characteristic information of each transaction performed by the credit fund applicant after the first circulation of the credit fund in the circulation path.

In one example, the transaction characteristic information obtaining unit 420 is further configured to obtain transaction characteristic information of a first transaction performed by a credit fund applicant after a first circulation of credit funds in the circulation path using the credit funds.

A funds violation use identification unit 430 configured to identify violation use of credit funds based on the acquired transaction characteristic information using a credit funds violation use identification model.

In one example, the transaction characteristic information obtaining unit 420 is further configured to obtain transaction characteristic information of each transaction after the first circulation of the credit fund in the circulation path and user characteristic information of the payee and the payer in each transaction. The funds violation usage identification unit 430 is further configured to identify violation usage of credit funds based on the acquired transaction characteristic information and the user characteristic information using a credit funds violation usage identification model.

And a fund management and control unit 440 configured to perform corresponding management and control operations according to the recognition result.

Embodiments of a method and apparatus for governing credit funds according to embodiments of the present description are described above with reference to fig. 1 through 4.

The means for managing credit funds of the embodiments of the present description may be implemented in hardware, or may be implemented in software, or a combination of hardware and software. The software implementation is taken as an example, and is formed by reading corresponding computer program instructions in the storage into the memory for operation through the processor of the device where the software implementation is located as a logical means. In the embodiments of the present specification, the means for regulating credit funds may be implemented using, for example, an electronic device.

As shown in fig. 5, the electronic device 500 may include at least one processor 510, a storage (e.g., non-volatile storage) 520, a memory 530, and a communication interface 540, and the at least one processor 510, the storage 520, the memory 530, and the communication interface 540 are connected together via a bus 550. The at least one processor 510 executes at least one computer-readable instruction (i.e., the elements described above as being implemented in software) stored or encoded in memory.

In one embodiment, computer-executable instructions are stored in the memory that, when executed, cause the at least one processor 510 to: determining a circulation path of credit funds from a fund transaction sequence diagram, wherein the fund transaction sequence diagram is composed of a plurality of nodes and a plurality of directed edges, each node represents a payment tool owned by a user, each directed edge represents a transaction, each directed edge of each node is associated with at least one incoming directed edge of the node, which provides transaction funds for the transaction with the directed edge, node information of each node comprises user identification and payment tool identification information, and edge information of each directed edge comprises transaction amount and/or transaction scene of corresponding transaction; acquiring transaction characteristic information of each transaction after the first circulation of the credit fund in the circulation path; identifying illegal use of the credit funds according to the acquired transaction characteristic information by using a credit fund illegal use identification model; and executing corresponding management and control operation according to the recognition result.

It should be appreciated that the computer-executable instructions stored in the memory, when executed, cause the at least one processor 510 to perform the various operations and functions described above in connection with fig. 1-4 in the various embodiments of the present description.

According to one embodiment, a program product, such as a machine-readable medium, is provided. A machine-readable medium may have instructions (i.e., elements described above as being implemented in software) that, when executed by a machine, cause the machine to perform various operations and functions described above in connection with fig. 1-4 in the various embodiments of the present specification.

Specifically, a system or apparatus may be provided which is provided with a readable storage medium on which software program code implementing the functions of any of the above embodiments is stored, and causes a computer or processor of the system or apparatus to read out and execute instructions stored in the readable storage medium.

In this case, the program code itself read from the readable medium can realize the functions of any of the above-described embodiments, and thus the machine-readable code and the readable storage medium storing the machine-readable code form part of the present invention.

Computer program code required for the operation of various portions of the present specification may be written in any one or more programming languages, including an object oriented programming language such as Java, Scala, Smalltalk, Eiffel, JADE, Emerald, C + +, C #, VB, NET, Python, and the like, a conventional programming language such as C, Visual Basic 2003, Perl, COBOL2002, PHP, and ABAP, a dynamic programming language such as Python, Ruby, and Groovy, or other programming languages. The program code may execute on the user's computer, or on the user's computer as a stand-alone software package, or partially on the user's computer and partially on a remote computer, or entirely on the remote computer or server. In the latter scenario, the remote computer may be connected to the user's computer through any network format, such as a Local Area Network (LAN) or a Wide Area Network (WAN), or the connection may be made to an external computer (for example, through the Internet), or in a cloud computing environment, or as a service, such as a software as a service (SaaS).

Examples of the readable storage medium include floppy disks, hard disks, magneto-optical disks, optical disks (e.g., CD-ROMs, CD-R, CD-RWs, DVD-ROMs, DVD-RAMs, DVD-RWs), magnetic tapes, nonvolatile memory cards, and ROMs. Alternatively, the program code may be downloaded from a server computer or from the cloud via a communications network.

The foregoing description has been directed to specific embodiments of this disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.

Not all steps and elements in the above flows and system structure diagrams are necessary, and some steps or elements may be omitted according to actual needs. The execution order of the steps is not fixed, and can be determined as required. The apparatus structures described in the above embodiments may be physical structures or logical structures, that is, some units may be implemented by the same physical entity, or some units may be implemented by a plurality of physical entities, or some units may be implemented by some components in a plurality of independent devices.

The term "exemplary" used throughout this specification means "serving as an example, instance, or illustration," and does not mean "preferred" or "advantageous" over other embodiments. The detailed description includes specific details for the purpose of providing an understanding of the described technology. However, the techniques may be practiced without these specific details. In some instances, well-known structures and devices are shown in block diagram form in order to avoid obscuring the concepts of the described embodiments.

Although the embodiments of the present disclosure have been described in detail with reference to the accompanying drawings, the embodiments of the present disclosure are not limited to the specific details of the embodiments, and various simple modifications may be made to the technical solutions of the embodiments of the present disclosure within the technical spirit of the embodiments of the present disclosure, and all of them fall within the scope of the embodiments of the present disclosure.

The previous description of the disclosure is provided to enable any person skilled in the art to make or use the disclosure. Various modifications to the disclosure will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other variations without departing from the scope of the disclosure. Thus, the description is not intended to be limited to the examples and designs described herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.

Claims

1. A method for managing credit funds, comprising:

determining a circulation path of credit funds from a fund transaction sequence diagram, wherein the fund transaction sequence diagram is composed of a plurality of nodes and a plurality of directed edges, each node represents a payment tool owned by a user, each directed edge represents a transaction, each directed edge of each node is associated with at least one incoming directed edge of the node, which provides transaction funds for the transaction with the directed edge, node information of each node comprises user identification and payment tool identification information, and edge information of each directed edge comprises transaction amount and/or transaction scene of corresponding transaction;

acquiring transaction characteristic information of each transaction after the first circulation of the credit fund in the circulation path;

identifying illegal use of the credit funds based on the acquired transaction characteristic information using a credit fund illegal use identification model; and

and executing corresponding management and control operation according to the recognition result.

2. The method of claim 1 wherein obtaining transaction characteristic information for each transaction following a first transfer of the credit funds in the transfer path comprises:

and acquiring transaction characteristic information of each transaction executed by the credit fund applicant after the first credit fund circulation in the circulation path.

3. The method of claim 1 wherein obtaining transaction characteristic information for each transaction following a first transfer of the credit funds in the transfer path comprises:

transaction characteristic information of a first transaction performed by a credit fund applicant after a first circulation of the credit fund in the circulation path using the credit fund is obtained.

4. The method of claim 1, wherein,

the step of obtaining the transaction characteristic information of each transaction after the first credit fund circulation in the circulation path comprises the following steps:

acquiring the transaction characteristic information of each transaction after the first circulation of the credit fund in the circulation path and the user characteristic information of a payee and a payer in each transaction; and

identifying illegal use of credit funds from the acquired transaction characteristic information using a credit fund illegal use identification model comprises:

identifying illegal use of the credit funds based on the acquired transaction characteristic information and the user characteristic information using a credit fund illegal use identification model.

5. The method according to claim 1, wherein the transaction characteristic information comprises a transaction scenario and a proportion of credit funds used in a transaction in the transaction amount and/or a proportion of credit funds used in a transaction in the total credit funds comprised in the circulation path.

6. The method of claim 5, wherein the transaction characteristic information further includes a transaction amount and/or a turn of the transaction in the turn path.

7. The method of claim 1, wherein determining a flow path for credit funds from a funds transaction timing diagram comprises:

determining a circulation path of credit funds from the funds transaction timing diagram according to the payment instrument characterized by the starting node in each circulation path.

8. The method of claim 1, further comprising:

acquiring transaction information of a transaction, wherein the transaction information comprises user identification and payment tool identification information of a transaction party, transaction time, transaction amount and a transaction scene;

constructing a fund transaction sequence diagram which takes a payment tool of a user as a node and a transaction as a directed edge; and

marking each fund in the fund transaction sequence chart so as to determine a circulation path of each fund in the fund transaction sequence chart.

9. The method of claim 8, wherein marking each fund in the fund transaction timing graph to determine a circulation path for each fund comprises:

determining a starting node in each circulation path in the fund transaction timing diagram; and

calculating each node in the circulation path according to the circulation path to which the determined starting node belongs in the following mode so as to associate outgoing directed edges and incoming directed edges in each node:

aiming at each outgoing directed edge of each node, determining an incoming directed edge for providing transaction funds for the outgoing directed edge from the incoming directed edge of the node according to the transaction time and the transaction amount of the outgoing directed edge; and

associating the determined incoming directed edge with the outgoing directed edge.

10. The method of claim 9, wherein determining a starting node in each circulation path in the funding transaction timing graph comprises:

determining nodes which only have directed edges and do not have directed edges in the fund transaction sequence diagram as starting nodes; or

And determining a node in the fund transaction timing sequence chart, wherein the latest time point of all directed edges is earlier than the earliest time point of all directed edges, as a starting node.

11. An apparatus for managing credit funds, comprising:

the fund flow path determining unit is used for determining a flow path of credit funds from a fund transaction sequence diagram, wherein the fund transaction sequence diagram is composed of a plurality of nodes and a plurality of directed edges, each node represents a payment tool owned by a user, each directed edge represents a transaction, each directed edge of each node is associated with at least one incoming directed edge of the node, which provides transaction funds for the transaction of the directed edge, the node information of each node comprises user identification and payment tool identification information, and the edge information of each directed edge comprises transaction amount and/or transaction scene of corresponding transaction;

the transaction characteristic information acquisition unit is used for acquiring the transaction characteristic information of each transaction after the first circulation of the credit fund in the circulation path;

a fund illegal use identification unit which identifies illegal use of the credit fund according to the acquired transaction characteristic information by using a credit fund illegal use identification model; and

and the fund control unit executes corresponding management and control operation according to the identification result.

12. An electronic device, comprising:

at least one processor for executing a program code for the at least one processor,

a memory coupled to the at least one processor, an

A computer program stored on the memory, the computer program being executable by the at least one processor to implement the method of any one of claims 1-10.

13. A computer-readable storage medium, in which a computer program is stored which, when being executed by a processor, carries out the method according to any one of claims 1-10.

14. A computer program product comprising a computer program which, when executed by a processor, implements the method of any one of claims 1-10.