CN116188138A

CN116188138A - Processing method and device for funds return, processor and electronic equipment

Info

Publication number: CN116188138A
Application number: CN202211718713.2A
Authority: CN
Inventors: 俞露; 杨建迪; 黄致远
Original assignee: Industrial and Commercial Bank of China Ltd ICBC
Current assignee: Industrial and Commercial Bank of China Ltd ICBC
Priority date: 2022-12-29
Filing date: 2022-12-29
Publication date: 2023-05-30

Abstract

The application discloses a processing method and device for funds reflow, a processor and electronic equipment, and relates to the field of financial science and technology, wherein the method comprises the following steps: determining a first target object to be monitored, and determining a loan fund type of the first target object, wherein the loan fund type is one of the following: trusted payment and autonomous payment; if the loan fund type of the first target object is trusted payment, judging whether the first target object has fund reflux according to remittance transaction information of a second target object, wherein the second target object is a transacting opponent of the loan fund of the first target object; if the loan fund type of the first target object is autonomous payment, judging whether the first target object has fund reflux or not according to remittance transaction information and collection transaction information of the first target object. According to the method and the device, the problem that in the related art, whether fund backflow exists in the financing loan monitoring is solved, and the monitoring efficiency of the financing loan is low.

Description

Processing method and device for funds return, processor and electronic equipment

Technical Field

The present application relates to the field of financial science and technology, and in particular, to a method and apparatus for processing funds reflow, a processor, and an electronic device.

Background

In recent years, online financing products are rapidly developed, and the traffic is rising year by year. The method is characterized in that the method comprises the steps of monitoring the total branch and checking by an external supervision organization, wherein part of borrowers circulate loan funds among borrower accounts, transaction opponent accounts and third party client accounts, so that the loan funds are stolen, and supervision of a financial institution is avoided. In recent years, the case of back-flowing loans sometimes sounds the police, and the risk of such violations is very large from the case that has been ascertained. First, credit funds are not used for the intended purpose, and are credited back, and the security of the credit funds is questioned. Second, loan payment management violations are subject to regulatory department penalties. So-called loan funds return, in two modes, a trusted payment mode and an autonomous payment mode, respectively. The return of funds in the trusted payment mode refers to the loan of the borrower, which has been paid by the financial institution to the borrower's provider, and is transferred back to the borrower by the provider through the operations of the borrower and the provider. The autonomous payment is that the financial institution pays the loan funds to the borrower account directly under the condition of confirming that the borrower meets the withdrawal condition of the contract agreement, the borrower pays the borrower transaction object meeting the purpose of the contract agreement autonomously, and the opponent account pays the funds Jin Zhuaihui to the borrower through operation, so that the purpose of the loan funds is not regulated, and the loan funds reflux is formed.

On a macroscopic level, credit fund flow monitoring affects whether macroscopic regulatory policies can be successfully implemented and implemented; and on a microscopic level, the method is beneficial to the control of the asset quality of a financial institution and ensures the healthy and stable development of the financial system. However, in the prior art, whether the fund backflow exists or not needs to be monitored on the financing loan in a manual mode, and the problems of low monitoring efficiency and low accuracy exist in the mode.

Aiming at the problem that whether the fund backflow exists in the financing loan is monitored manually in the related technology, so that the monitoring efficiency of the financing loan is lower, no effective solution is proposed at present.

Disclosure of Invention

The main purpose of the application is to provide a method and a device for processing fund reflux, a processor and electronic equipment, so as to solve the problem that in the related art, whether fund reflux exists in the monitoring of the financing loan in a manual mode, so that the monitoring efficiency of the financing loan is lower.

To achieve the above object, according to one aspect of the present application, there is provided a method of processing a funds return. The method comprises the following steps: determining a first target object to be monitored, and determining a loan fund type of the first target object, wherein the loan fund type is one of the following: trusted payment and autonomous payment; if the loan fund type of the first target object is trusted payment, judging whether the first target object has fund reflux according to remittance transaction information of a second target object, wherein the second target object is a trade opponent of the loan fund of the first target object; and if the loan fund type of the first target object is autonomous payment, judging whether the first target object has fund reflux or not according to remittance transaction information and collection transaction information of the first target object.

Further, if the loan fund type of the first target object is trusted payment, determining whether the first target object has a fund return according to remittance transaction information of the second target object includes: determining a first target time at which the second target object receives loan funds; determining a plurality of pieces of first money transfer transaction information of the second target object to the first target object after preset time according to the first target time; and judging whether the first target object has funds reflux or not according to the plurality of pieces of first money transfer transaction information.

Further, determining whether the first target object has a return funds according to the plurality of pieces of first money transfer transaction information includes: determining the remittance amount of each piece of first remittance transaction information, and accumulating the remittance amount of each piece of first remittance transaction information to obtain the total first remittance amount; calculating the fund reflux proportion of the first target object according to the first remittance total amount and the loan fund; and if the fund reflux proportion is greater than or equal to a first preset threshold value, characterizing that the first target object has fund reflux.

Further, if the loan fund type of the first target object is trusted payment, determining whether the first target object has a fund return according to remittance transaction information of the second target object includes: determining a first target time when the second target object receives loan funds, and determining a plurality of pieces of second remittance transaction information of the second target object after preset time according to the first target time; determining a plurality of money transfer objects of the second target object according to the second money transfer transaction information; determining a third target object from the plurality of money transfer objects, wherein the third target object is an object having a money transfer transaction with the first target object; acquiring a plurality of pieces of third money transfer transaction information of the third target object and the first target object; and judging whether the first target object has the fund reflux according to the third remittance transaction information and the loan fund.

Further, if the loan fund type of the first target object is autonomous payment, determining whether the first target object has a fund return according to the remittance transaction information and the collection transaction information of the first target object includes: determining a second target time when the first target object receives loan funds and determining a plurality of fourth target objects with money transfer transactions with the first target object according to money transfer transaction information of the first target object; determining a plurality of pieces of collection transaction information of the first target object and each fourth target object after the preset time according to the second target time; and judging whether the first target object has funds reflux or not according to the plurality of pieces of collection transaction information.

Further, determining whether the first target object has a funds return according to the plurality of cash register transaction information includes: calculating the remittance amount of each fourth target object and the first target object according to the remittance transaction information of each fourth target object, and obtaining the remittance amount corresponding to each fourth target object; calculating according to the multiple collection transaction information corresponding to each fourth target object to obtain collection amount corresponding to each fourth target object; calculating according to the remittance amount corresponding to each fourth target object and the collection amount corresponding to each fourth target object to obtain the fund reflux ratio corresponding to each fourth target object; and if the fund reflux proportion is greater than or equal to a first preset threshold value, characterizing that the first target object has fund reflux.

Further, if the loan fund type of the first target object is autonomous payment, determining whether the first target object has a fund return according to the remittance transaction information and the collection transaction information of the first target object includes: determining a second target time when the first target object receives loan funds and determining a plurality of fourth target objects with money transfer transactions with the first target object according to money transfer transaction information of the first target object; determining a plurality of remittance objects of each fourth target object after the preset time according to the second target time; determining a fifth target object according to the plurality of remittance objects of each fourth target object, wherein the fifth target object is an object with remittance transaction with the first target object; and judging whether the first target object has funds to return according to the fourth remittance transaction information of the fifth target object and the first target object and the fourth remittance transaction information of the fourth target object.

Further, before calculating the funds return proportion of the first target object from the first total money transfer amount and the loan funds, the method further comprises: determining a plurality of historical transaction opponents of the historical loan funds of the first target object, and determining transaction information between the first target object and the plurality of historical transaction opponents; calculating a plurality of historical funds reflux ratios according to the transaction information between the first target object and the plurality of historical transaction opponents; and processing the historical funds reflux ratios through an unsupervised learning isolated forest model, and determining the first preset threshold.

To achieve the above object, according to another aspect of the present application, there is provided a processing apparatus for funds return. The device comprises: a first determining unit, configured to determine a first target object to be monitored, and determine a loan fund type of the first target object, where the loan fund type is one of the following: trusted payment and autonomous payment; the first judging unit is used for judging whether the first target object has funds reflux according to remittance transaction information of a second target object if the loan funds type of the first target object is trusted payment, wherein the second target object is a transacting opponent of the loan funds of the first target object; and the second judging unit is used for judging whether the first target object has fund reflux according to the remittance transaction information and the collection transaction information of the first target object if the loan fund type of the first target object is autonomous payment.

Further, the first judging unit includes: a first determining module, configured to determine a first target time when the second target object receives loan funds; the second determining module is used for determining a plurality of pieces of first money transfer transaction information of the second target object to the first target object after preset time according to the first target time; and the first judging module is used for judging whether the first target object has funds reflux according to the plurality of pieces of first money transfer transaction information.

Further, the first judging module includes: the first determining submodule is used for determining the remittance amount of each piece of first remittance transaction information, and accumulating the remittance amount of each piece of first remittance transaction information to obtain a first remittance total amount; the first calculation sub-module is used for calculating the fund reflux proportion of the first target object according to the first remittance total amount and the loan fund; and the second determining submodule is used for characterizing that the first target object has the fund reflux if the fund reflux proportion is larger than or equal to a first preset threshold value.

Further, the first judging unit includes: the third determining module is used for determining a first target time when the second target object receives loan funds, and determining a plurality of pieces of second remittance transaction information of the second target object after a preset time according to the first target time; a fourth determining module configured to determine a plurality of money transfer objects of the second target object according to the plurality of second money transfer transaction information; a fifth determining module configured to determine a third target object from the plurality of money transfer objects, where the third target object is an object having a money transfer transaction with the first target object; the acquisition module is used for acquiring a plurality of pieces of third remittance transaction information of the third target object and the first target object; and the second judging module is used for judging whether the first target object has funds reflux or not according to the third remittance transaction information and the loan funds.

Further, the second judging unit includes: a sixth determining module, configured to determine a second target time when the first target object receives the loan fund and determine a plurality of fourth target objects having money transfer transactions with the first target object according to money transfer transaction information of the first target object; a seventh determining module, configured to determine, according to the second target time, a plurality of pieces of collection transaction information of the first target object and each fourth target object after a preset time; and the third judging module is used for judging whether the first target object has funds reflux or not according to the plurality of pieces of collection transaction information.

Further, the third judging module includes: the second calculation sub-module is used for calculating the remittance amount of each fourth target object and the first target object according to the remittance transaction information of each fourth target object to obtain the remittance amount corresponding to each fourth target object; the third calculation sub-module is used for calculating according to the multiple collection transaction information corresponding to each fourth target object to obtain collection amount corresponding to each fourth target object; the fourth calculation sub-module is used for calculating according to the remittance amount corresponding to each fourth target object and the collection amount corresponding to each fourth target object to obtain the fund reflux ratio corresponding to each fourth target object; and the third determining submodule is used for characterizing that the first target object has the fund reflux if the fund reflux proportion is larger than or equal to a first preset threshold value.

Further, the second judging unit includes: an eighth determining module, configured to determine a second target time when the first target object receives the loan fund and determine a plurality of fourth target objects having money transfer transactions with the first target object according to money transfer transaction information of the first target object; a ninth determining module, configured to determine, according to the second target time, a plurality of remittance objects of each fourth target object after a preset time; a tenth determining module, configured to determine a fifth target object according to the plurality of remittance objects of each fourth target object, where the fifth target object is an object having a remittance transaction with the first target object; and the fourth judging module is used for judging whether the first target object has fund reflux or not according to the fourth remittance transaction information of the fifth target object and the first target object and the fourth remittance transaction information of the fourth target object.

Further, the apparatus further comprises: a second determining unit configured to determine a plurality of historical transaction opponents of the historical loan funds of the first target object and determine transaction information between the first target object and the plurality of historical transaction opponents before calculating a funds return ratio of the first target object based on the first money transfer total amount and the loan funds; the calculating unit is used for calculating a plurality of historical funds reflux ratios according to the transaction information between the first target object and the plurality of historical transaction opponents; and the processing unit is used for processing the historical funds reflux ratios through an unsupervised learning isolated forest model and determining the first preset threshold value.

To achieve the above object, according to one aspect of the present application, there is provided a processor for running a program, wherein the program, when running, performs the method for processing the return of funds according to any one of the above.

To achieve the above object, according to one aspect of the present application, there is provided an electronic device including one or more processors and a memory for storing a processing method for the one or more processors to implement the above-described funds return.

Through the application, the following steps are adopted: determining a first target object to be monitored, and determining a loan fund type of the first target object, wherein the loan fund type is one of the following: trusted payment and autonomous payment; if the loan fund type of the first target object is trusted payment, judging whether the first target object has fund reflux according to remittance transaction information of a second target object, wherein the second target object is a transacting opponent of the loan fund of the first target object; if the loan fund type of the first target object is autonomous payment, judging whether the fund reflux exists in the first target object according to the remittance transaction information and the collection transaction information of the first target object, and solving the problem that in the related art, whether the fund reflux exists in the loan is monitored manually, so that the monitoring efficiency of the loan is lower. In the scheme, when the first target object is loan fund type trusted payment, the fund reflux condition of the first target object is determined through remittance transaction information of a transaction opponent of the loan fund of the first target object, and when the loan fund type of the first target object is autonomous payment, the fund reflux condition is determined through remittance transaction information and collection transaction information of the first target object, so that the analysis of the fund flow direction of the first target object by manpower is avoided, and the effect of improving the monitoring efficiency of financing loan is further achieved.

Drawings

The accompanying drawings, which are included to provide a further understanding of the application, illustrate and explain the application and are not to be construed as limiting the application. In the drawings:

FIG. 1 is a flow chart of a method of processing a funds return provided in accordance with an embodiment of the application;

FIG. 2 is a flow chart of an alternative funds return processing method provided in accordance with embodiments of the application;

FIG. 3 is a schematic diagram of a processing device for funds return provided in accordance with embodiments of the application;

fig. 4 is a schematic diagram of an electronic device provided according to an embodiment of the present application.

Detailed Description

It should be noted that, in the case of no conflict, the embodiments and features in the embodiments may be combined with each other. The present application will be described in detail below with reference to the accompanying drawings in conjunction with embodiments.

In order to make the present application solution better understood by those skilled in the art, the following description will be made in detail and with reference to the accompanying drawings in the embodiments of the present application, it is apparent that the described embodiments are only some embodiments of the present application, not all embodiments. All other embodiments, which can be made by one of ordinary skill in the art based on the embodiments herein without making any inventive effort, shall fall within the scope of the present application.

It should be noted that the terms "first," "second," and the like in the description and claims of the present application and the above figures are used for distinguishing between similar objects and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used may be interchanged where appropriate in order to describe the embodiments of the present application described herein. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.

It should be noted that, related information (including, but not limited to, user equipment information, user personal information, etc.) and data (including, but not limited to, data for presentation, analyzed data, etc.) related to the present disclosure are information and data authorized by a user or sufficiently authorized by each party. For example, an interface is provided between the system and the relevant user or institution, before acquiring the relevant information, the system needs to send an acquisition request to the user or institution through the interface, and acquire the relevant information after receiving the consent information fed back by the user or institution.

The invention will now be described with reference to preferred embodiments, and FIG. 1 is a flow chart of a method for processing a return funds flow provided in accordance with an embodiment of the application, as shown in FIG. 1, comprising the steps of:

step S101, determining a first target object to be monitored, and determining a loan fund type of the first target object, wherein the loan fund type is one of the following: trusted payment and autonomous payment;

step S102, if the loan fund type of the first target object is trusted payment, judging whether the first target object has fund reflux according to remittance transaction information of a second target object, wherein the second target object is a transacting opponent of the loan fund of the first target object;

step S103, if the loan fund type of the first target object is autonomous payment, judging whether the first target object has fund reflux according to the remittance transaction information and the collection transaction information of the first target object.

Specifically, the first target object to be monitored is determined, and since the objects for issuing loan funds of different loan funds types are different, it is necessary to determine the loan funds type of the first target object. Loan fund types are generally classified into trusted payments and autonomous payments.

A trusted payment refers to a loan of a borrower (i.e., the first target object) that has been paid by a financial institution to a borrower's opponent (i.e., the second target object), which is returned to the borrower by the opponent through the operations of the borrower and the opponent. And the autonomous payment is that the financial institution pays the loan funds to the borrower account directly under the condition of confirming that the borrower meets the withdrawal condition of the contract agreement according to the loan contract agreement, the borrower pays the borrower transaction object meeting the purpose of the contract agreement autonomously, and the opponent account pays the funds Jin Zhuaihui to the borrower through operation, so that the purpose of the loan funds is not regulated, and the loan funds are returned.

When the loan fund type of the first target object is a trusted payment, the loan fund is a trade partner of the loan fund directly issued to the first target object by the financial institution, that is, the second target object. Therefore, there is a need to monitor money transfer transaction information of the second target object to determine whether the first target object has a funds return problem through the money transfer transaction information of the second target object.

When the loan fund type of the first target object is autonomous payment, the loan fund is issued to the first target object by the financial institution, so that the remittance transaction information and the collection transaction information of the first target object need to be monitored to determine whether the first target object has a fund reflux problem or not through the remittance transaction information and the collection transaction information of the first target object.

In summary, when the first target object is a loan fund type for trusted payment, the fund reflux condition of the first target object is determined according to the remittance transaction information of the trading opponent of the loan fund of the first target object, and when the loan fund type of the first target object is an autonomous payment, the fund reflux condition is determined according to the remittance transaction information and the collection transaction information of the first target object, so that the fund flow direction of the first target object is prevented from being analyzed manually, and the monitoring efficiency of the financing loan is improved.

How to determine whether the first target object has the funds reflow according to the remittance transaction information of the second target object is important, so in the funds reflow processing method provided in the embodiment of the present application, if the loan funds type of the first target object is trusted payment, determining whether the first target object has the funds reflow according to the remittance transaction information of the second target object includes: determining a first target time when the second target object receives loan funds; determining a plurality of pieces of first remittance transaction information from the second target object to the first target object after the preset time according to the first target time; and judging whether the first target object has funds reflux or not according to the plurality of pieces of first remittance transaction information.

Determining whether the first target object has funds reflow according to the plurality of pieces of first money transfer transaction information comprises: determining the remittance amount of each piece of first remittance transaction information, and accumulating the remittance amount of each piece of first remittance transaction information to obtain the total first remittance amount; calculating the fund reflux proportion of the first target object according to the first remittance total amount and the loan fund; and if the fund reflux proportion is greater than or equal to a first preset threshold value, characterizing that the first target object has fund reflux.

Specifically, a first target time for the financial institution to issue loan funds to a second target object is acquired, and then a plurality of pieces of first money transfer transaction information from the second target object to the first target object after a preset time from the first target time is determined. It should be noted that the preset time may be 1 day, 3 days, 5 days, 7 days, 14 days, 21 days, 28 days, etc. And obtaining the remittance amount of each piece of first remittance transaction information of the second target object to the first target object, and then adding the remittance amounts to obtain the first remittance total amount of the second target object to the first target object. And finally, calculating the fund reflux proportion of the first target object according to the first remittance total amount and the loan fund, and judging whether the first target object has the fund reflux according to the fund reflux proportion.

In an alternative embodiment, the funds return ratio of the first target object is obtained by calculating the ratio of the total money transfer amount and the loan funds.

If the ratio of funds to back flow is greater than a first preset threshold (e.g., 80%), then the first target object is indicated as being at risk of funds to back flow, and may be considered directly to be at risk of funds to back flow. If the fund reflux ratio is smaller than or equal to a first preset threshold value, the first target object and the second target object are characterized as normal transactions, and the first target object has no fund reflux problem.

In summary, the money transfer transaction information of the trading opponent of the loan funds of the first target object can accurately and rapidly judge whether the first target object has the problem of funds backflow.

In order to avoid missing the situation, in the method for processing the funds return provided in the embodiment of the present application, if the loan funds of the first target object are paid in a trusted manner, determining whether the funds return exists in the first target object according to the remittance transaction information of the second target object further includes: determining a first target time when the second target object receives loan funds, and determining a plurality of pieces of second remittance transaction information of the second target object after preset time according to the first target time; determining a plurality of money transfer objects of the second target object according to the plurality of pieces of second money transfer transaction information; determining a third target object from the plurality of money transfer objects, wherein the third target object is an object having a money transfer transaction with the first target object; acquiring a plurality of pieces of third money transfer transaction information of the third target object and the first target object; and judging whether the first target object has funds reflow according to the third remittance transaction information and the loan funds.

Specifically, after the first target time when the second target object receives the loan funds is defined, determining a plurality of pieces of second remittance transaction information of the second target object after the preset time according to the first target time. And determining a plurality of remittance objects of the second target object through a plurality of pieces of second remittance transaction information, determining a third target object from the plurality of remittance objects according to whether the remittance transaction is carried out with the first target object, acquiring a plurality of pieces of third remittance transaction information between the third target object and the first target object, calculating the total remittance amount of the third remittance transactions, and calculating the fund return ratio by using the total remittance amount and the total remittance amount (namely the loan fund) of the second target object to the third target object. If the funds return ratio is greater than a second preset threshold (e.g., the second preset threshold may be set between 30% and 150%), then the first target object is indicated as having funds return problems.

Through the steps, whether the first target object realizes fund reflux through a third party can be accurately monitored, and the accuracy of loan fund monitoring is effectively improved.

Optionally, in the method for processing funds return provided in the embodiment of the present application, if the loan funds type of the first target object is autonomous payment, determining whether funds return exists in the first target object according to remittance transaction information and collection transaction information of the first target object includes: determining a second target time when the first target object receives the loan funds and determining a plurality of fourth target objects having money transfer transactions with the first target object according to money transfer transaction information of the first target object; determining multiple cash collecting transaction information of the first target object and each fourth target object after preset time according to the second target time; and judging whether the first target object has funds reflux or not according to the plurality of pieces of collection transaction information.

Judging whether the first target object has funds reflow according to the plurality of pieces of collection transaction information comprises: calculating the remittance amount of each fourth target object and the first target object according to the remittance transaction information of each fourth target object, and obtaining the remittance amount corresponding to each fourth target object; calculating according to the multiple collection transaction information corresponding to each fourth target object to obtain collection amount corresponding to each fourth target object; calculating according to the remittance amount corresponding to each fourth target object and the collection amount corresponding to each fourth target object to obtain the fund reflux ratio corresponding to each fourth target object; and if the existing funds reflux ratio is greater than or equal to a first preset threshold value, characterizing that the funds reflux exists in the first target object.

Specifically, if the loan fund type of the first target object is autonomous payment, the loan fund is directly issued to the account of the first target object, so that it is required to determine whether there is a fund reflux in the first target object according to the remittance transaction information and the collection transaction information of the first target object. And obtaining second target time when the first target object receives the loan fund and remittance transaction information of the first target object after the first target object receives the loan fund, and determining a plurality of fourth target objects with remittance transactions with the first target object from the remittance transaction information of the first target object.

After the fourth target object is determined, acquiring a plurality of pieces of collection transaction information of the first target object and each fourth target object after a preset time from the second target time. And calculating the remittance amount of each fourth target object to the first target object through the plurality of pieces of collection transaction information, and calculating the collection amount between the first target object and each fourth target object.

And finally, calculating by using the remittance amount corresponding to each fourth target object and the collection amount corresponding to each fourth target object to obtain the fund reflux ratio corresponding to each fourth target object. And if the existing funds reflux ratio is greater than or equal to a first preset threshold value, characterizing that the first target object has funds reflux. And if the fund reflux ratio is smaller than a first preset threshold value, indicating that the first target object does not have fund reflux.

In summary, through the above steps, whether the first target object has a funds return problem under autonomous payment can be accurately monitored.

Optionally, in the method for processing funds return provided in the embodiment of the present application, if the loan funds type of the first target object is autonomous payment, determining whether funds return exists in the first target object according to remittance transaction information and collection transaction information of the first target object includes: determining a second target time when the first target object receives the loan funds and determining a plurality of fourth target objects having money transfer transactions with the first target object according to money transfer transaction information of the first target object; determining a plurality of remittance objects of each fourth target object after the preset time according to the second target time; determining a fifth target object according to the plurality of remittance objects of each fourth target object, wherein the fifth target object is an object with remittance transaction with the first target object; and judging whether the first target object has funds reflux or not according to the fourth remittance transaction information of the fifth target object and the first target object and the fourth remittance transaction information of the fourth target object.

Specifically, there is also a problem of funds return by a third party at the time of autonomous payment, and thus, a second target time at which the first target object receives the loan funds is acquired, and remittance transaction information of the first target object after receiving the loan funds, and then a plurality of fourth target objects having remittance transactions with the first target object are determined from the remittance transaction information of the first target object. And then acquiring a plurality of remittance objects of each fourth target object after the preset time, determining a fifth target object which has remittance transaction with the first target object in the plurality of remittance objects of each fourth target object, and finally judging whether the first target object has funds reflux according to the plurality of fourth remittance transaction information of the fifth target object and the first target object.

In summary, by the method, whether the first target object realizes fund reflux through a third party can be accurately monitored, and the accuracy of loan fund monitoring is effectively improved.

In order to improve accuracy and rationality of the first preset threshold setting, in the method for processing funds return provided in the embodiment of the present application, before calculating the funds return proportion of the first target object according to the first total money transfer amount and the loan funds, the method further includes: determining a plurality of historical trading partners of the historical loan funds of the first target object, and determining trading information between the first target object and the plurality of historical trading partners; calculating a plurality of historical funds reflux ratios according to transaction information between the first target object and a plurality of historical transaction opponents; and processing the plurality of historical funds reflux ratios through an unsupervised learning isolated forest model, and determining a first preset threshold.

Specifically, a plurality of historical trading partners of the historical loan funds of the first target object are obtained, then a historical funds reflux ratio is calculated according to the trading information between the first target object and the historical trading partners, and then the historical funds reflux ratio is processed through an unsupervised learning isolated forest model to determine a first preset threshold.

The information such as the upper edge value, the upper quartile, the median, the lower quartile, the lower edge and the abnormal value of the historical funds return proportion data can also be intuitively seen by drawing a box diagram and a distribution diagram of the historical funds return proportion.

In an alternative embodiment, the monitoring of the funds return may be implemented by using the flowchart shown in fig. 2, specifically, determining the loan funds type of the first target object, and if the loan funds type of the first target object is a trusted payment, determining whether the first target object has funds return according to the remittance transaction information of the second target object; if the loan fund type of the first target object is autonomous payment, judging whether the first target object has fund reflux or not according to remittance transaction information and collection transaction information of the first target object.

According to the fund return processing method provided by the embodiment of the application, the first target object to be monitored is determined, and the loan fund type of the first target object is determined, wherein the loan fund type is one of the following: trusted payment and autonomous payment; if the loan fund type of the first target object is trusted payment, judging whether the first target object has fund reflux according to remittance transaction information of a second target object, wherein the second target object is a transacting opponent of the loan fund of the first target object; if the loan fund type of the first target object is autonomous payment, judging whether the fund reflux exists in the first target object according to the remittance transaction information and the collection transaction information of the first target object, and solving the problem that in the related art, whether the fund reflux exists in the loan is monitored manually, so that the monitoring efficiency of the loan is lower. In the scheme, when the first target object is loan fund type trusted payment, the fund reflux condition of the first target object is determined through remittance transaction information of a transaction opponent of the loan fund of the first target object, and when the loan fund type of the first target object is autonomous payment, the fund reflux condition is determined through remittance transaction information and collection transaction information of the first target object, so that the analysis of the fund flow direction of the first target object by manpower is avoided, and the effect of improving the monitoring efficiency of financing loan is further achieved.

It should be noted that the steps illustrated in the flowcharts of the figures may be performed in a computer system such as a set of computer executable instructions, and that although a logical order is illustrated in the flowcharts, in some cases the steps illustrated or described may be performed in an order other than that illustrated herein.

The embodiment of the application also provides a processing device for funds reflow, and the processing device for funds reflow can be used for executing the processing method for funds reflow provided by the embodiment of the application. The following describes a processing device for funds return provided in an embodiment of the present application.

Fig. 3 is a schematic diagram of a processing device for funds return according to an embodiment of the application. As shown in fig. 3, the apparatus includes: a first determination unit 301, a first judgment unit 302, and a second judgment unit 303.

A first determining unit 301, configured to determine a first target object to be monitored, and determine a loan fund type of the first target object, where the loan fund type is one of the following: trusted payment and autonomous payment;

a first determining unit 302, configured to determine whether the first target object has a return funds according to remittance transaction information of a second target object if the loan funds type of the first target object is trusted payment, where the second target object is a transacting opponent of the loan funds of the first target object;

And a second judging unit 303, configured to judge whether the first target object has a funds return according to the remittance transaction information and the collection transaction information of the first target object if the loan funds type of the first target object is autonomous payment.

The processing device for funds reflow provided in the embodiment of the present application determines, through the first determining unit 301, a first target object to be monitored, and determines a loan fund type of the first target object, where the loan fund type is one of the following: trusted payment and autonomous payment; the first judging unit 302 judges whether the first target object has a funds return according to the remittance transaction information of the second target object if the loan funds type of the first target object is trusted payment, wherein the second target object is a transacting opponent of the loan funds of the first target object; the second judging unit 303 judges whether the first target object has the funds reflow according to the remittance transaction information and the collection transaction information of the first target object if the loan funds type of the first target object is autonomous payment, thereby solving the problem that the monitoring efficiency of the financing loan is lower because the financing loan is monitored manually in the related art. In the scheme, when the first target object is loan fund type trusted payment, the fund reflux condition of the first target object is determined through remittance transaction information of a transaction opponent of the loan fund of the first target object, and when the loan fund type of the first target object is autonomous payment, the fund reflux condition is determined through remittance transaction information and collection transaction information of the first target object, so that the analysis of the fund flow direction of the first target object by manpower is avoided, and the effect of improving the monitoring efficiency of financing loan is further achieved.

Optionally, in the processing apparatus for funds return provided in the embodiment of the present application, the first determining unit includes: the first determining module is used for determining a first target time when the second target object receives loan funds; the second determining module is used for determining a plurality of pieces of first money transfer transaction information of the second target object to the first target object after the preset time according to the first target time; and the first judging module is used for judging whether the first target object has funds reflux according to the plurality of pieces of first money transfer transaction information.

Optionally, in the processing apparatus for funds return provided in the embodiment of the present application, the first determining module includes: the first determining submodule is used for determining the remittance amount of each piece of first remittance transaction information, and accumulating the remittance amount of each piece of first remittance transaction information to obtain a first remittance total amount; the first calculation sub-module is used for calculating the fund reflux proportion of the first target object according to the first remittance total amount and the loan fund; and the second determining submodule is used for representing that the first target object has the fund reflux if the fund reflux proportion is larger than or equal to a first preset threshold value.

Optionally, in the processing apparatus for funds return provided in the embodiment of the present application, the first determining unit includes: the third determining module is used for determining a first target time when the second target object receives loan funds and determining a plurality of pieces of second remittance transaction information of the second target object after the preset time according to the first target time; a fourth determining module, configured to determine a plurality of remittance objects of the second target object according to the plurality of second remittance transaction information; a fifth determining module configured to determine a third target object from the plurality of money transfer objects, where the third target object is an object having a money transfer transaction with the first target object; the acquisition module is used for acquiring a plurality of pieces of third remittance transaction information of the third target object and the first target object; and the second judging module is used for judging whether the first target object has funds reflux or not according to the plurality of pieces of third remittance transaction information and loan funds.

Optionally, in the processing apparatus for funds return provided in the embodiment of the present application, the second judging unit includes: a sixth determining module, configured to determine a second target time when the first target object receives the loan fund and determine a plurality of fourth target objects having money transfer transactions with the first target object according to money transfer transaction information of the first target object; a seventh determining module, configured to determine, according to the second target time, multiple collection transaction information of the first target object and each fourth target object after the preset time; and the third judging module is used for judging whether the first target object has funds reflux according to the plurality of pieces of collection transaction information.

Optionally, in the processing apparatus for funds return provided in the embodiment of the present application, the third determining module includes: the second calculation sub-module is used for calculating the remittance amount of each fourth target object and the first target object according to the remittance transaction information of each fourth target object to obtain the remittance amount corresponding to each fourth target object; the third calculation sub-module is used for calculating according to the multiple collection transaction information corresponding to each fourth target object to obtain collection amount corresponding to each fourth target object; the fourth calculation sub-module is used for calculating according to the remittance amount corresponding to each fourth target object and the collection amount corresponding to each fourth target object to obtain the fund reflux ratio corresponding to each fourth target object; and the third determining submodule is used for representing that the first target object has the fund reflux if the fund reflux proportion is larger than or equal to a first preset threshold value.

Optionally, in the processing apparatus for funds return provided in the embodiment of the present application, the second judging unit includes: an eighth determining module for determining a second target time when the first target object receives the loan funds and determining a plurality of fourth target objects having money transfer transactions with the first target object according to money transfer transaction information of the first target object; a ninth determining module, configured to determine, according to the second target time, a plurality of remittance objects of each fourth target object after the preset time; a tenth determining module, configured to determine a fifth target object according to the plurality of money transfer objects of each fourth target object, where the fifth target object is an object having a money transfer transaction with the first target object; and the fourth judging module is used for judging whether the first target object has funds reflux according to the plurality of pieces of fourth remittance transaction information of the fifth target object and the first target object and the plurality of pieces of fourth remittance transaction information.

Optionally, in the apparatus for processing funds return provided in the embodiment of the present application, the apparatus further includes: a second determining unit configured to determine a plurality of historical trading opponents of the historical loan funds of the first target object and determine trade information between the first target object and the plurality of historical trading opponents before calculating a funds return ratio of the first target object based on the first money transfer total amount and the loan funds; the calculating unit is used for calculating a plurality of historical funds reflux ratios according to the transaction information between the first target object and a plurality of historical transaction opponents; and the processing unit is used for processing the plurality of historical funds reflux ratios through an unsupervised learning isolated forest model and determining a first preset threshold value.

It should be noted that, the first determining unit 301 in this embodiment may be used to perform step S101 in the embodiment of the present application, the first determining unit 302 in this embodiment may be used to perform step S102 in the embodiment of the present application, and the second determining unit 303 in this embodiment may be used to perform step S103 in the embodiment of the present application. The above modules are the same as examples and application scenarios implemented by the corresponding steps, but are not limited to what is disclosed in the above embodiments.

The processing device for funds return includes a processor and a memory, where the first determining unit 301, the first judging unit 302, the second judging unit 303, and the like are stored as program units, and the processor executes the program units stored in the memory to implement corresponding functions.

The processor includes a kernel, and the kernel fetches the corresponding program unit from the memory. The kernel can be provided with one or more than one, and the monitoring of the fund reflux is realized by adjusting the kernel parameters.

The memory may include volatile memory, random Access Memory (RAM), and/or nonvolatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM), among other forms in computer readable media, the memory including at least one memory chip.

The embodiment of the invention provides a computer readable storage medium, on which a program is stored, which when executed by a processor, implements a processing method for funds return.

The embodiment of the invention provides a processor, which is used for running a program, wherein the processing method for executing fund reflux when the program runs.

As shown in fig. 4, an embodiment of the present invention provides an electronic device, where the device includes a processor, a memory, and a program stored in the memory and executable on the processor, and when the processor executes the program, the following steps are implemented: determining a first target object to be monitored, and determining a loan fund type of the first target object, wherein the loan fund type is one of the following: trusted payment and autonomous payment; if the loan fund type of the first target object is trusted payment, judging whether the first target object has fund reflux according to remittance transaction information of a second target object, wherein the second target object is a transacting opponent of the loan fund of the first target object; if the loan fund type of the first target object is autonomous payment, judging whether the first target object has fund reflux or not according to remittance transaction information and collection transaction information of the first target object.

Optionally, if the loan fund type of the first target object is trusted payment, determining whether the first target object has a fund return according to the remittance transaction information of the second target object includes: determining a first target time when the second target object receives loan funds; determining a plurality of pieces of first remittance transaction information from the second target object to the first target object after the preset time according to the first target time; and judging whether the first target object has funds reflux or not according to the plurality of pieces of first remittance transaction information.

Optionally, determining whether the first target object has funds in return according to the plurality of pieces of first money transfer transaction information includes: determining the remittance amount of each piece of first remittance transaction information, and accumulating the remittance amount of each piece of first remittance transaction information to obtain the total first remittance amount; calculating the fund reflux proportion of the first target object according to the first remittance total amount and the loan fund; and if the fund reflux proportion is greater than or equal to a first preset threshold value, characterizing that the first target object has fund reflux.

Optionally, if the loan fund type of the first target object is trusted payment, determining whether the first target object has a fund return according to the remittance transaction information of the second target object includes: determining a first target time when the second target object receives loan funds, and determining a plurality of pieces of second remittance transaction information of the second target object after preset time according to the first target time; determining a plurality of money transfer objects of the second target object according to the plurality of pieces of second money transfer transaction information; determining a third target object from the plurality of money transfer objects, wherein the third target object is an object having a money transfer transaction with the first target object; acquiring a plurality of pieces of third money transfer transaction information of the third target object and the first target object; and judging whether the first target object has funds reflow according to the third remittance transaction information and the loan funds.

Optionally, if the loan fund type of the first target object is autonomous payment, determining whether the first target object has a fund return according to the remittance transaction information and the collection transaction information of the first target object includes: determining a second target time when the first target object receives the loan funds and determining a plurality of fourth target objects having money transfer transactions with the first target object according to money transfer transaction information of the first target object; determining multiple cash collecting transaction information of the first target object and each fourth target object after preset time according to the second target time; and judging whether the first target object has funds reflux or not according to the plurality of pieces of collection transaction information.

Optionally, determining whether the first target object has a funds return according to the plurality of cash register transaction information includes: calculating the remittance amount of each fourth target object and the first target object according to the remittance transaction information of each fourth target object, and obtaining the remittance amount corresponding to each fourth target object; calculating according to the multiple collection transaction information corresponding to each fourth target object to obtain collection amount corresponding to each fourth target object; calculating according to the remittance amount corresponding to each fourth target object and the collection amount corresponding to each fourth target object to obtain the fund reflux ratio corresponding to each fourth target object; and if the existing funds reflux ratio is greater than or equal to a first preset threshold value, characterizing that the funds reflux exists in the first target object.

Optionally, if the loan fund type of the first target object is autonomous payment, determining whether the first target object has a fund return according to the remittance transaction information and the collection transaction information of the first target object includes: determining a second target time when the first target object receives the loan funds and determining a plurality of fourth target objects having money transfer transactions with the first target object according to money transfer transaction information of the first target object; determining a plurality of remittance objects of each fourth target object after the preset time according to the second target time; determining a fifth target object according to the plurality of remittance objects of each fourth target object, wherein the fifth target object is an object with remittance transaction with the first target object; and judging whether the first target object has funds reflux or not according to the fourth remittance transaction information of the fifth target object and the first target object and the fourth remittance transaction information of the fourth target object.

Optionally, before calculating the funds return proportion of the first target object from the first total money transfer amount and the loan funds, the method further comprises: determining a plurality of historical trading partners of the historical loan funds of the first target object, and determining trading information between the first target object and the plurality of historical trading partners; calculating a plurality of historical funds reflux ratios according to transaction information between the first target object and a plurality of historical transaction opponents; and processing the plurality of historical funds reflux ratios through an unsupervised learning isolated forest model, and determining a first preset threshold.

The device herein may be a server, PC, PAD, cell phone, etc.

The present application also provides a computer program product adapted to perform, when executed on a data processing device, a program initialized with the method steps of: determining a first target object to be monitored, and determining a loan fund type of the first target object, wherein the loan fund type is one of the following: trusted payment and autonomous payment; if the loan fund type of the first target object is trusted payment, judging whether the first target object has fund reflux according to remittance transaction information of a second target object, wherein the second target object is a transacting opponent of the loan fund of the first target object; if the loan fund type of the first target object is autonomous payment, judging whether the first target object has fund reflux or not according to remittance transaction information and collection transaction information of the first target object.

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

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

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

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

In one typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include volatile memory in a computer-readable medium, random Access Memory (RAM) and/or nonvolatile memory, etc., such as Read Only Memory (ROM) or flash RAM. Memory is an example of a computer-readable medium.

Computer readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of storage media for a computer include, but are not limited to, phase change memory (PRAM), static Random Access Memory (SRAM), dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), read Only Memory (ROM), electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape disk storage or other magnetic storage devices, or any other non-transmission medium, which can be used to store information that can be accessed by a computing device. Computer-readable media, as defined herein, does not include transitory computer-readable media (transmission media), such as modulated data signals and carrier waves.

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising one … …" does not exclude the presence of other like elements in a process, method, article or apparatus that comprises an element.

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

The foregoing is merely exemplary of the present application and is not intended to limit the present application. Various modifications and changes may be made to the present application by those skilled in the art. Any modifications, equivalent substitutions, improvements, etc. which are within the spirit and principles of the present application are intended to be included within the scope of the claims of the present application.

Claims

1. A method of processing a return funds flow, comprising:

determining a first target object to be monitored, and determining a loan fund type of the first target object, wherein the loan fund type is one of the following: trusted payment and autonomous payment;

if the loan fund type of the first target object is trusted payment, judging whether the first target object has fund reflux according to remittance transaction information of a second target object, wherein the second target object is a trade opponent of the loan fund of the first target object;

And if the loan fund type of the first target object is autonomous payment, judging whether the first target object has fund reflux or not according to remittance transaction information and collection transaction information of the first target object.

2. The method of claim 1, wherein if the loan fund type of the first target object is a trusted payment, determining whether there is a back flow of funds for the first target object based on money transfer transaction information for a second target object comprises:

determining a first target time at which the second target object receives loan funds;

determining a plurality of pieces of first money transfer transaction information of the second target object to the first target object after preset time according to the first target time;

and judging whether the first target object has funds reflux or not according to the plurality of pieces of first money transfer transaction information.

3. The method of claim 2, wherein determining whether the first target object has funds in return based on the plurality of first money transfer transaction information comprises:

determining the remittance amount of each piece of first remittance transaction information, and accumulating the remittance amount of each piece of first remittance transaction information to obtain the total first remittance amount;

Calculating the fund reflux proportion of the first target object according to the first remittance total amount and the loan fund;

and if the fund reflux proportion is greater than or equal to a first preset threshold value, characterizing that the first target object has fund reflux.

4. The method of claim 1, wherein if the loan fund type of the first target object is a trusted payment, determining whether there is a back flow of funds for the first target object based on money transfer transaction information for a second target object comprises:

determining a first target time when the second target object receives loan funds, and determining a plurality of pieces of second remittance transaction information of the second target object after preset time according to the first target time;

determining a plurality of money transfer objects of the second target object according to the second money transfer transaction information;

determining a third target object from the plurality of money transfer objects, wherein the third target object is an object having a money transfer transaction with the first target object;

acquiring a plurality of pieces of third money transfer transaction information of the third target object and the first target object;

and judging whether the first target object has the fund reflux according to the third remittance transaction information and the loan fund.

5. The method of claim 1, wherein if the loan fund type of the first target object is autonomous payment, determining whether the first target object has a fund return based on the money transfer transaction information and the money collection transaction information of the first target object comprises:

determining a second target time when the first target object receives loan funds and determining a plurality of fourth target objects with money transfer transactions with the first target object according to money transfer transaction information of the first target object;

determining a plurality of pieces of collection transaction information of the first target object and each fourth target object after the preset time according to the second target time;

and judging whether the first target object has funds reflux or not according to the plurality of pieces of collection transaction information.

6. The method of claim 5, wherein determining whether the first target object has a return of funds based on the plurality of transactions for funds comprises:

calculating the remittance amount of each fourth target object and the first target object according to the remittance transaction information of each fourth target object, and obtaining the remittance amount corresponding to each fourth target object;

Calculating according to the multiple collection transaction information corresponding to each fourth target object to obtain collection amount corresponding to each fourth target object;

calculating according to the remittance amount corresponding to each fourth target object and the collection amount corresponding to each fourth target object to obtain the fund reflux ratio corresponding to each fourth target object;

7. The method of claim 1, wherein if the loan fund type of the first target object is autonomous payment, determining whether the first target object has a fund return based on the money transfer transaction information and the money collection transaction information of the first target object comprises:

determining a plurality of remittance objects of each fourth target object after the preset time according to the second target time;

determining a fifth target object according to the plurality of remittance objects of each fourth target object, wherein the fifth target object is an object with remittance transaction with the first target object;

And judging whether the first target object has funds to return according to the fourth remittance transaction information of the fifth target object and the first target object and the fourth remittance transaction information of the fourth target object.

8. The method of claim 3, wherein prior to calculating a funds return ratio of the first target object from the first total money transfer amount and the loan funds, the method further comprises:

determining a plurality of historical transaction opponents of the historical loan funds of the first target object, and determining transaction information between the first target object and the plurality of historical transaction opponents;

calculating a plurality of historical funds reflux ratios according to the transaction information between the first target object and the plurality of historical transaction opponents;

and processing the historical funds reflux ratios through an unsupervised learning isolated forest model, and determining the first preset threshold.

9. A funds return processing apparatus, comprising:

a first determining unit, configured to determine a first target object to be monitored, and determine a loan fund type of the first target object, where the loan fund type is one of the following: trusted payment and autonomous payment;

The first judging unit is used for judging whether the first target object has funds reflux according to remittance transaction information of a second target object if the loan funds type of the first target object is trusted payment, wherein the second target object is a transacting opponent of the loan funds of the first target object;

and the second judging unit is used for judging whether the first target object has fund reflux according to the remittance transaction information and the collection transaction information of the first target object if the loan fund type of the first target object is autonomous payment.

10. A processor for running a program, wherein the program when run performs the method of processing a return funds according to any of claims 1 to 8.

11. An electronic device comprising one or more processors and a memory for storing one or more programs, wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to implement the method of processing funds return of any of claims 1 to 8.