CN117234719A

CN117234719A - Account processing method, device, equipment and storage medium

Info

Publication number: CN117234719A
Application number: CN202311199002.3A
Authority: CN
Inventors: 张宇航
Original assignee: China Construction Bank Corp; CCB Finetech Co Ltd
Current assignee: China Construction Bank Corp; CCB Finetech Co Ltd
Priority date: 2023-09-15
Filing date: 2023-09-15
Publication date: 2023-12-15

Abstract

The application provides a method, a device, equipment and a storage medium for processing an account. Relates to the technical field of account management. The method comprises the following steps: determining a plurality of unregistered accounts in a preset account set; acquiring the sleep time length of each unregistered account and the user identification corresponding to each unregistered account; determining a first number of accounts to be logged out; determining a plurality of dormant accounts in the plurality of unregistered accounts according to the dormant duration of each unregistered account, wherein the dormant duration of the dormant accounts is longer than or equal to the preset duration; determining at least one target account in a plurality of dormant accounts according to the dormant duration of each unregistered account, the user identification corresponding to each unregistered account and the first quantity; and performing log-out processing on at least one target account. According to the scheme, the target account for logout is automatically identified from the plurality of accounts through the identification rule, and compared with a manual identification mode, the identification accuracy is higher, so that the accuracy of account processing is improved.

Description

Account processing method, device, equipment and storage medium

Technical Field

The present application relates to the field of account management technologies, and in particular, to a method, an apparatus, a device, and a storage medium for processing an account.

Background

In the banking industry, a large number of user accounts need to be managed to maintain normal execution of user services. For different types of user accounts, there are corresponding account management policies. For example, credit card accounts include active accounts and long term dormant accounts. The long-term dormant accounts are accounts which are continuously unused by the user for a long time, the long-term dormant accounts still occupy management resources of the bank, and excessive long-term dormant accounts can reduce management efficiency of the bank.

In practical application, the long-term dormancy account indicates that the user does not need or temporarily does not need the account, and the credit card account is overdrawn and does not store funds of the user, so that the long-term dormancy account can be logged out, thereby reducing the occupation of management resources and improving the management efficiency of banks. To minimize the impact of account de-registration on the user's usage of the account, it is desirable to determine the order of account de-registration based on de-registration rules.

However, the bank system stores a large number of user accounts, and the identification accuracy is poor by identifying the log-out sequence of the accounts manually.

Disclosure of Invention

The application provides a method, a device, equipment and a storage medium for processing an account, which are used for improving the accuracy of account processing.

In a first aspect, the present application provides a method for processing an account, including: determining a plurality of unregistered accounts in a preset account set; acquiring the dormancy time of each unregistered account and the user identification corresponding to each unregistered account, wherein the dormancy time is the time between the current time and the last account transaction time; determining a first number of accounts to be logged out; determining a plurality of dormant accounts in the plurality of unregistered accounts according to the dormant time of each unregistered account, wherein the dormant time of the dormant accounts is longer than or equal to a preset time; determining at least one target account in the plurality of dormant accounts according to the dormant duration of each unregistered account, the user identifier corresponding to each unregistered account and the first quantity; and performing log-off processing on the at least one target account.

In one possible design, determining at least one target account among the plurality of dormant accounts according to the dormant duration of each unregistered account, the user identification corresponding to each unregistered account, and the first number includes: determining a user type corresponding to each dormant account according to the dormant duration of each unregistered account and the user identifier corresponding to each unregistered account, wherein the user types are a multi-sleep type, a single-sleep type and a mixed type; determining a plurality of account sets in the plurality of dormant accounts according to the user types, wherein the user types corresponding to the dormant accounts in each account set are the same; determining the at least one target account in the plurality of account sets according to the first quantity; the multi-sleep type is used for indicating that a plurality of accounts corresponding to the user are dormant accounts respectively, the single-sleep type is used for indicating that one account corresponding to the user is dormant account, and the mixed type is used for indicating that the user corresponds to at least one dormant account and at least one non-dormant account.

In one possible design, determining the at least one target account from the plurality of account sets based on the first number includes: determining the priority of each account set according to the user type corresponding to the dormant account in each account set; and determining the at least one target account in the plurality of account sets according to the priority of each account set, the dormancy time of each dormancy account in each account set and the first quantity.

In one possible design, determining the at least one target account from the plurality of account sets based on the priority of each account set, the sleep duration of each sleep account in each account set, and the first number includes: sorting the plurality of account sets according to the priority of each account set; for any account set, sorting the dormant accounts in the account set according to the dormant duration of each dormant account in the account set; and determining the first dormant accounts in the plurality of account sets as the at least one target account according to the order of the priority of the account sets from high to low and the order of the dormant accounts in the account sets.

In one possible design, obtaining a first number of accounts to be unregistered includes: acquiring a second number of the plurality of dormant accounts and a third number of the plurality of unregistered accounts; determining a ratio of the second number to the third number as a current sleep duty cycle; acquiring a preset dormancy duty cycle; if the current sleep duty cycle is smaller than or equal to the preset sleep duty cycle, determining that the first quantity is 0; and if the current dormancy duty ratio is larger than the preset dormancy duty ratio, acquiring a first difference value between the current dormancy duty ratio and the preset dormancy duty ratio, and determining the product of the third quantity and the first difference value as the first quantity.

In one possible design, determining a plurality of dormant accounts among the plurality of unregistered accounts according to a dormant duration of each unregistered account includes: and when the first number is greater than 0, determining a plurality of dormant accounts in the plurality of unregistered accounts according to the dormant duration of each unregistered account.

In one possible design, after the logout process of the at least one target account, the method further includes: determining other accounts except the at least one target account in the plurality of unregistered accounts as a plurality of latest unregistered accounts; determining the latest dormancy time of each latest unregistered account; for any one of the latest unregistered accounts, if the latest dormancy time of the latest unregistered account is greater than or equal to a preset threshold, determining a message template according to the latest dormancy time, generating a target message according to the account information of the latest unregistered account and the message template, and sending the target message to a terminal device corresponding to the latest unregistered account, wherein the target message comprises the latest dormancy time.

In a second aspect, the present application provides an account processing apparatus, comprising: the extraction module is used for determining a plurality of unregistered accounts in a preset account set; the acquisition module is used for acquiring the dormancy time of each unregistered account and the user identification corresponding to each unregistered account, wherein the dormancy time is the time between the current time and the last account transaction time; the preset module is used for determining a first number of accounts to be logged out; the determining module is used for determining a plurality of dormant accounts in the plurality of unregistered accounts according to the dormant time length of each unregistered account, wherein the dormant time length of the dormant accounts is greater than or equal to the preset time length; the screening module is used for determining at least one target account in the plurality of dormant accounts according to the dormant duration of each unregistered account, the user identification corresponding to each unregistered account and the first quantity; and the cancellation module is used for performing cancellation processing on the at least one target account.

In one possible design, the screening module is specifically configured to determine a user type corresponding to each dormant account according to a dormant duration of each unregistered account and a user identifier corresponding to each unregistered account, where the user types are a multi-sleep type, a single-sleep type and a hybrid type; the screening module is specifically configured to determine a plurality of account sets from the plurality of dormant accounts according to the user type, where the user types corresponding to the dormant accounts in each account set are the same; the screening module is specifically further configured to determine the at least one target account from the plurality of account sets according to the first number; the multi-sleep type is used for indicating that a plurality of accounts corresponding to the user are dormant accounts respectively, the single-sleep type is used for indicating that one account corresponding to the user is dormant account, and the mixed type is used for indicating that the user corresponds to at least one dormant account and at least one non-dormant account.

In one possible design, the screening module is specifically configured to determine a priority of each account set according to a user type corresponding to the dormant account in each account set; the screening module is specifically further configured to determine the at least one target account in the plurality of account sets according to the priority of each account set, the sleep duration of each sleep account in each account set, and the first number.

In one possible design, the screening module is specifically configured to sort the plurality of account sets according to a priority of each account set; the screening module is specifically configured to sort, for any one account set, the dormant accounts in the account set according to the dormant duration of each dormant account in the account set; the screening module is specifically further configured to determine, as the at least one target account, a first number of dormant accounts in the plurality of account sets according to a sequence of the priority of the account sets from high to low and a sequence of each dormant account in the account sets.

In one possible design, the apparatus further comprises: a computing module, configured to obtain a second number of the plurality of dormant accounts and a third number of the plurality of unregistered accounts; the calculating module is further configured to determine a ratio of the second number to the third number as a current sleep duty ratio; the computing module is also used for acquiring a preset dormancy duty cycle; the computing module is further configured to determine that the first number is 0 if the current sleep duty cycle is less than or equal to the preset sleep duty cycle; the computing module is further configured to obtain a first difference value between the current sleep duty cycle and a preset sleep duty cycle if the current sleep duty cycle is greater than the preset sleep duty cycle, and determine a product of the third number and the first difference value as the first number.

In one possible design, the apparatus further comprises: and the judging module is used for determining a plurality of dormant accounts from the plurality of unregistered accounts according to the dormant duration of each unregistered account when the first number is greater than 0.

In one possible design, the apparatus further comprises: the reminding module is used for determining other accounts except the at least one target account in the plurality of unregistered accounts as a plurality of latest unregistered accounts; the reminding module is also used for determining the latest dormancy time of each latest unregistered account; the reminding module is further configured to determine a message template according to the latest dormancy time length if the latest dormancy time length of any one latest unregistered account is greater than or equal to a preset threshold value, generate a target message according to account information of the latest unregistered account and the message template, and send the target message to a terminal device corresponding to the latest unregistered account, where the target message includes the latest dormancy time length.

In a third aspect, an embodiment of the present application provides an electronic device, including: at least one processor and memory; the memory stores computer-executable instructions; the at least one processor executes computer-executable instructions stored by the memory, causing the at least one processor to perform the processing method of designing an account as described above in the first aspect and the various possible aspects of the first aspect.

In a fourth aspect, embodiments of the present application provide a computer readable storage medium having stored therein computer executable instructions which, when executed by a processor, implement the method of processing an account as described in the first aspect and the various possible designs of the first aspect.

In a fifth aspect, embodiments of the present application provide a computer program product comprising a computer program which, when executed by a processor, implements the method of processing an account as described in the first aspect and the various possible designs of the first aspect.

The account processing method, the device, the equipment and the storage medium provided by the application are characterized in that a plurality of unregistered accounts are determined in a preset account set; acquiring the dormancy time of each unregistered account and the user identification corresponding to each unregistered account, wherein the dormancy time is the time between the current time and the last account transaction time; determining a first number of accounts to be logged out; determining a plurality of dormant accounts in the plurality of unregistered accounts according to the dormant time of each unregistered account, wherein the dormant time of the dormant accounts is longer than or equal to a preset time; determining at least one target account in the plurality of dormant accounts according to the dormant duration of each unregistered account, the user identifier corresponding to each unregistered account and the first quantity; and performing log-off processing on the at least one target account. According to the scheme, the target account for logout is automatically identified from the plurality of accounts through the identification rule, and compared with a manual identification mode, the identification accuracy is higher, so that the accuracy of account processing is improved.

Drawings

The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the application and together with the description, serve to explain the principles of the application.

Fig. 1 is an application scenario schematic diagram of an account processing method according to an embodiment of the present application;

fig. 2 is a flow chart of a method for processing accounts according to an embodiment of the present application;

FIG. 3 is a flow chart of a method for processing accounts according to an embodiment of the present application;

FIG. 4 is a schematic diagram of determining a first quantity according to an embodiment of the present application;

FIG. 5 is a schematic diagram of determining a target account according to an embodiment of the present application;

fig. 6 is a schematic structural diagram of an account processing device according to an embodiment of the present application;

fig. 7 is a schematic structural diagram of an account processing device according to an embodiment of the present application;

fig. 8 is a schematic structural diagram of an electronic device according to an embodiment of the present application.

Specific embodiments of the present application have been shown by way of the above drawings and will be described in more detail below. The drawings and the written description are not intended to limit the scope of the inventive concepts in any way, but rather to illustrate the inventive concepts to those skilled in the art by reference to the specific embodiments.

Detailed Description

Reference will now be made in detail to exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, the same numbers in different drawings refer to the same or similar elements, unless otherwise indicated. The implementations described in the following exemplary examples do not represent all implementations consistent with the application. Rather, they are merely examples of apparatus and methods consistent with aspects of the application as detailed in the accompanying claims.

In the technical scheme of the application, the related processes of collecting, storing, using, processing, transmitting, providing, disclosing and the like of the information such as financial data or user data are in accordance with the regulations of related laws and regulations, and the public welfare is not violated. The user information (including but not limited to user equipment information, user personal information, etc.) and data (including but not limited to data for analysis, stored data, presented data, etc.) related to the present application are information and data authorized by the user or sufficiently authorized by each party, and the collection, use and processing of related data is required to comply with related laws and regulations and standards, and is provided with corresponding operation entries for the user to select authorization or rejection.

FIG. 1 is an application scenario diagram of the processing of an account of the prior art. As shown in fig. 1, an active account and a dormant account are identified from an account set including all accounts, the active account is an account in which a user has a usage record in a preset period, a part of target accounts are determined from the dormant account, and logout processing is performed on the target accounts.

In the prior art, a target account is identified from an account set in a manual mode, so that the accuracy of account processing is affected.

Aiming at the technical problems, the application provides the following technical conception: and establishing an automatic identification rule, and automatically identifying the target account from the account set through the automatic identification rule.

The following describes the technical scheme of the present application and how the technical scheme of the present application solves the above technical problems in detail with specific embodiments. The following embodiments may be combined with each other, and the same or similar concepts or processes may not be described in detail in some embodiments. Embodiments of the present application will be described below with reference to the accompanying drawings.

Fig. 2 is a flow chart of a method for processing accounts according to an embodiment of the present application, where the method includes the following steps:

S201, determining a plurality of unregistered accounts in a preset account set.

As an example, the execution subject of this embodiment may be a processing apparatus of an account, and there are various implementations of the processing apparatus of the account. For example, the program may be software, or a medium storing a related computer program, such as a usb disk; alternatively, the apparatus may be a physical device, such as a chip, a smart terminal, a computer, a server, etc., in which the relevant computer program is integrated or installed.

The account set comprises a logged-off account and a non-logged-off account, wherein the logged-off account does not occupy management resources, and does not need to be logged off.

Optionally, a corresponding identification code is added to the logged-off account, and the logged-off account is identified by the identification code.

Still alternatively, account data is stored in a data repository, by executing a preconfigured ETL script, thereby

S202, acquiring the dormancy time of each unregistered account and the user identification corresponding to each unregistered account, wherein the dormancy time is the time between the current time and the last account transaction time.

Optionally, the sleep time period is determined by a transaction record of the account.

Specifically, the time length between the time of the last transaction record of the account and the current time is determined as the sleep time length.

S203, determining a first number of accounts to be logged out.

Optionally, the first number is determined by manually setting the number.

For example, if it is manually set that 2000 dormant accounts need to be logged out this time, the first number is 2000.

Alternatively, the first number is determined by manually setting the ratio.

For example, the ratio of the dormant accounts to all accounts is manually set to be 30%, and if the current dormant account ratio exceeds 30%, the first number is determined according to the number of the current dormant accounts until the ratio of the number of the current dormant accounts subtracted from the first number does not exceed 30%.

It will be appreciated that the first number may be determined in a number of ways and may be adapted to different traffic scenarios.

S204, determining a plurality of dormant accounts in the plurality of unregistered accounts according to the dormant time of each unregistered account, wherein the dormant time of the dormant accounts is longer than or equal to the preset time.

For example, the preset duration is set to 18 months, and the account which is not logged off and has the sleep duration greater than or equal to 18 months is determined to be the sleep account. The sleep time length being greater than or equal to the preset time length indicates that the account is not used for a long time.

S205, performing cancellation processing on the at least one target account.

Optionally, the identification code is added to the target account after the logout, and the account information of the target account is stored for a period of time.

For example, only account information is stored after the target account is logged off for subsequent query tracing, and the account information does not need to be managed, so that the management resource occupation of the system is reduced.

The account processing method provided by the embodiment of the application comprises the steps of determining a plurality of unregistered accounts in a preset account set; acquiring the dormancy time of each unregistered account and the user identification corresponding to each unregistered account, wherein the dormancy time is the time between the current time and the last account transaction time; determining a first number of accounts to be logged out; determining a plurality of dormant accounts in the plurality of unregistered accounts according to the dormant time of each unregistered account, wherein the dormant time of the dormant accounts is longer than or equal to a preset time; determining at least one target account in the plurality of dormant accounts according to the dormant duration of each unregistered account, the user identifier corresponding to each unregistered account and the first quantity; and performing log-off processing on the at least one target account. According to the scheme, the target account for logout is automatically identified from the plurality of accounts through the identification rule, and compared with a manual identification mode, the identification accuracy is higher, so that the accuracy of account processing is improved.

On the basis of any of the above embodiments, a detailed procedure of processing an account will be described below with reference to fig. 3.

Fig. 3 is a flow chart of a method for processing accounts according to an embodiment of the present application. As shown in fig. 3, the method includes:

s301, determining a plurality of unregistered accounts in a preset account set.

It should be noted that, the execution process of S301 is referred to S201, and will not be described herein.

S302, acquiring the dormancy time of each unregistered account and the user identification corresponding to each unregistered account, wherein the dormancy time is the time between the current time and the last account transaction time.

It should be noted that, the execution process of S302 is referred to S202, and will not be described herein.

S303, determining the first number of accounts to be logged out.

A possible implementation, obtaining a first number of accounts to be logged off, includes: acquiring a second number of the plurality of dormant accounts and a third number of the plurality of unregistered accounts; determining a ratio of the second number to the third number as a current sleep duty cycle; acquiring a preset dormancy duty cycle; if the current sleep duty cycle is smaller than or equal to the preset sleep duty cycle, determining that the first quantity is 0; and if the current dormancy duty ratio is larger than the preset dormancy duty ratio, acquiring a first difference value between the current dormancy duty ratio and the preset dormancy duty ratio, and determining the product of the third quantity and the first difference value as the first quantity.

Next, the determination of the first number will be described with reference to fig. 4.

Fig. 4 is a schematic diagram of determining a first number according to an embodiment of the present application. As shown in fig. 4, the number of dormant accounts, the number of unregistered accounts, and a preset dormant duty cycle for controlling the maximum number of dormant accounts allowed to exist are determined. And determining the current dormancy duty ratio according to the ratio of the number of dormant accounts to the number of unregistered accounts, and if the current dormancy duty ratio is smaller than or equal to the preset dormancy duty ratio, indicating that the number of the current dormancy accounts is in an allowable range. If the current dormancy duty ratio is larger than the preset dormancy duty ratio, the current dormancy account number is larger than the allowed number, and the exceeding part is determined to be the first number.

In such a possible implementation, the first number of accounts to be unregistered may be quickly and accurately determined by presetting the sleep duty cycle.

An alternative implementation determines a plurality of dormant accounts among the plurality of unregistered accounts according to a dormant duration of each unregistered account when the first number is greater than 0.

For example, in connection with the scenario where a first number greater than 0 indicates that the current dormant account is too many, then a logout process needs to be performed.

S304, determining a user type corresponding to each dormant account according to the dormant duration of each unregistered account and the user identification corresponding to each unregistered account, wherein the user types are a multi-sleep type, a single-sleep type and a mixed type. The multi-sleep type is used for indicating that a plurality of accounts corresponding to the user are dormant accounts respectively, the single-sleep type is used for indicating that one account corresponding to the user is dormant account, and the mixed type is used for indicating that the user corresponds to at least one dormant account and at least one non-dormant account.

Wherein, a plurality of accounts under the same user all contain the user identification of the user.

Optionally, the dormant account and the active account are distinguished from the unregistered account according to the dormant time period of the unregistered account. And determining the user type of the user corresponding to each account according to the user identification.

In combination with a scene example, the accounts are clustered according to the user identifications, the accounts with the same user identifications are respectively classified into one type, and if any one type of account comprises a plurality of accounts and the accounts are dormant accounts, the corresponding account type is a multi-sleep type, and the other account types are the same.

S305, determining a plurality of account sets in the plurality of dormant accounts according to the user types, wherein the user types corresponding to the dormant accounts in each account set are the same.

In combination with the scenario example, the dormant accounts are grouped according to the user type corresponding to each dormant account, so as to obtain a plurality of sets. Specifically, the dormant accounts with the user types of multiple sleep types are divided into a group, the dormant accounts with the user types of single sleep types are divided into a group, and the dormant accounts with the user types of meeting and types are divided into a group.

For example, a table a is created, which includes data for all unregistered accounts. Dormant account data in the data in table a is placed in table C1, and active account data in the data in table a is placed in table C2. Grouping the data in the table A according to the user identification, and placing the data which is more than 1 in the group and the data does not exist in the table C2 into the table C3, wherein the data in the table C3 is of a multi-sleep type. The data in table C4, in which the number of data in the group is equal to 1 and the data does not exist in table C2, is put into table C4, and the data in table C4 is of the single sleep type. Subtracting the data in table C3 and table C4 from the data in table C1 yields table C5, the data in table C5 being of mixed type. Placing the data in tables C3, C4 and C5 into table C, wherein the data in table C is the target account, and the data in table C are grouped according to data types.

Optionally, a plurality of accounts are included for any user, wherein the plurality of accounts includes a primary account and at least one secondary account. If the main account is a sleeping account, the main account is not used as a target account.

Optionally, a user-defined account type is set, and if the sleep account belongs to the user-defined account type, the sleep account is not used as the target account.

For example, taking a credit card account as an example, the ETC-bound credit card account is determined to be a custom account type.

S306, determining the priority of each account set according to the user type corresponding to the dormant account in each account set.

In connection with the scenario example, the order of priority from high to low is multi-sleep type, single-sleep type, and mixed type. And performing log-off processing on the account corresponding to the type with high priority.

S307, sorting the plurality of account sets according to the priority of each account set.

Optionally, the account set is sorted according to the order of priority from high to low.

S308, for any account set, sorting the dormant accounts in the account set according to the dormant duration of each dormant account in the account set.

In combination with the scenario example, the dormant accounts within the collection of accounts are ordered, wherein the longer the dormant duration of the accounts, the lower the likelihood of reuse by the user, should be logged off preferentially.

S309, determining the first number of dormant accounts in the plurality of account sets as the at least one target account according to the order of the priority of the account sets from high to low and the order of the dormant accounts in the account sets.

Next, determination of the target account will be described with reference to fig. 5.

Fig. 5 is a schematic diagram of determining a target account according to an embodiment of the present application. As shown in fig. 5, the account sets are ordered according to the order of the priority of the account set, the priority of the account set 1 is greater than the priority of the account set 2, the dormant accounts are ordered according to the dormant time length in the account set, the dormant time length of the dormant account 1 is greater than the dormant account 2, the dormant time length of the dormant account 5 is greater than the dormant account 6, and the target accounts are determined according to the ordering, namely the dormant account 1, the dormant account 2 and the dormant account 3 … … are sequentially determined as the target accounts until the number of the target accounts reaches the first number, and all the target accounts are obtained.

One possible implementation manner, after performing the logout processing on the at least one target account, further includes: determining other accounts except the at least one target account in the plurality of unregistered accounts as a plurality of latest unregistered accounts; determining the latest dormancy time of each latest unregistered account; for any one of the latest unregistered accounts, if the latest dormancy time of the latest unregistered account is greater than or equal to a preset threshold, determining a message template according to the latest dormancy time, generating a target message according to the account information of the latest unregistered account and the message template, and sending the target message to a terminal device corresponding to the latest unregistered account, wherein the target message comprises the latest dormancy time.

In combination with the scenario example, after performing the cancellation process, the target account is excluded from the unregistered account to obtain a latest unregistered account, where the latest unregistered account includes a dormant account or an active account whose dormant duration is close to that of the dormant account. And reminding the account with the sleep time length being longer than or equal to the preset time length.

Optionally, the message template has been filled with a generic portion of the alert content.

In such a viable implementation, the targeted message can be quickly generated through the message template and the user alerted.

Fig. 6 is a schematic structural diagram of an account processing device according to an embodiment of the present application. As shown in fig. 6, the processing device 60 of the account may include: the device comprises an extraction module 61, an acquisition module 62, a preset module 63, a determination module 64, a screening module 65 and a cancellation module 66, wherein,

the extracting module 61 is configured to determine a plurality of unregistered accounts in a preset account set.

The obtaining module 62 is configured to obtain a sleep duration of each unregistered account and a user identifier corresponding to each unregistered account, where the sleep duration is a duration between a current time and a last account transaction time.

The preset module 63 is configured to determine a first number of accounts to be logged out.

The determining module 64 is configured to determine a plurality of dormant accounts among the plurality of unregistered accounts according to a dormant duration of each unregistered account, where the dormant duration of the dormant accounts is greater than or equal to a preset duration.

The screening module 65 is configured to determine at least one target account from the multiple dormant accounts according to the dormant duration of each unregistered account, the user identifier corresponding to each unregistered account, and the first number.

The cancellation module 66 is configured to perform cancellation processing on the at least one target account.

Alternatively, the extraction module 61 may perform S201 in the embodiment of fig. 2.

Alternatively, the acquisition module 62 may perform S202 in the embodiment of fig. 2.

Alternatively, the preset module 63 may execute S203 in the embodiment of fig. 2.

Alternatively, the determination module 64 may perform S204 in the embodiment of fig. 2.

Optionally, the screening module 65 may perform S205 in the embodiment of fig. 2.

Alternatively, the logout module 66 may execute S206 in the FIG. 2 embodiment.

It should be noted that, the processing device for an account shown in the embodiment of the present application may execute the technical solution shown in the embodiment of the method, and its implementation principle and beneficial effects are similar, and will not be described herein again.

In one possible implementation, the screening module 65 is specifically configured to:

determining a user type corresponding to each dormant account according to the dormant duration of each unregistered account and the user identifier corresponding to each unregistered account, wherein the user types are a multi-sleep type, a single-sleep type and a mixed type;

determining a plurality of account sets in the plurality of dormant accounts according to the user types, wherein the user types corresponding to the dormant accounts in each account set are the same;

determining the at least one target account in the plurality of account sets according to the first quantity; the multi-sleep type is used for indicating that a plurality of accounts corresponding to the user are dormant accounts respectively, the single-sleep type is used for indicating that one account corresponding to the user is dormant account, and the mixed type is used for indicating that the user corresponds to at least one dormant account and at least one non-dormant account.

determining the priority of each account set according to the user type corresponding to the dormant account in each account set;

and determining the at least one target account in the plurality of account sets according to the priority of each account set, the dormancy time of each dormancy account in each account set and the first quantity.

sorting the plurality of account sets according to the priority of each account set;

for any account set, sorting the dormant accounts in the account set according to the dormant duration of each dormant account in the account set;

and determining the first dormant accounts in the plurality of account sets as the at least one target account according to the order of the priority of the account sets from high to low and the order of the dormant accounts in the account sets.

Fig. 7 is a schematic structural diagram of an account processing device according to an embodiment of the present application. On the basis of the embodiment shown in fig. 6, as shown in fig. 7, the processing device 70 of the account further includes: calculation module 67, judgment module 68, and reminder module 69, wherein:

the computing module 67 is configured to:

acquiring a second number of the plurality of dormant accounts and a third number of the plurality of unregistered accounts;

determining a ratio of the second number to the third number as a current sleep duty cycle;

acquiring a preset dormancy duty cycle;

if the current sleep duty cycle is smaller than or equal to the preset sleep duty cycle, determining that the first quantity is 0;

And if the current dormancy duty ratio is larger than the preset dormancy duty ratio, acquiring a first difference value between the current dormancy duty ratio and the preset dormancy duty ratio, and determining the product of the third quantity and the first difference value as the first quantity.

The judging module 68 is configured to:

and when the first number is greater than 0, determining a plurality of dormant accounts in the plurality of unregistered accounts according to the dormant duration of each unregistered account.

The reminding module 69 is configured to:

determining other accounts except the at least one target account in the plurality of unregistered accounts as a plurality of latest unregistered accounts;

determining the latest dormancy time of each latest unregistered account;

for any one of the latest unregistered accounts, if the latest dormancy time of the latest unregistered account is greater than or equal to a preset threshold, determining a message template according to the latest dormancy time, generating a target message according to the account information of the latest unregistered account and the message template, and sending the target message to a terminal device corresponding to the latest unregistered account, wherein the target message comprises the latest dormancy time.

It should be noted that, it should be understood that the division of the modules of the above apparatus is merely a division of a logic function, and may be fully or partially integrated into a physical entity or may be physically separated. And these modules may all be implemented in software in the form of calls by the processing element; or can be realized in hardware; the method can also be realized in a form of calling software by a processing element, and the method can be realized in a form of hardware by a part of modules. The modules may be processing elements that are individually set up, may be implemented as integrated in a chip of the above-described apparatus, or may be stored in a memory of the above-described apparatus in the form of program codes, and the functions of the above-described modules may be called and executed by a processing element of the above-described apparatus. In addition, all or part of the modules can be integrated together or can be independently implemented. The processing element here may be an integrated circuit with signal processing capabilities. In implementation, each step of the above method or each module above may be implemented by an integrated logic circuit of hardware in a processor element or an instruction in a software form.

Fig. 8 is a schematic structural diagram of an electronic device according to an embodiment of the present application. As shown in fig. 8, the electronic device may include: a transceiver 81, a processor 82, a memory 83.

Processor 82 executes computer-executable instructions stored in memory that cause processor 82 to perform the aspects of the embodiments described above. The processor 82 may be a general purpose processor including a central processing unit CPU, a network processor (network processor, NP), etc.; but may also be a digital signal processor DSP, an application specific integrated circuit ASIC, a field programmable gate array FPGA or other programmable logic device, a discrete gate or transistor logic device, a discrete hardware component.

The memory 83 is connected to the processor 82 via a system bus and communicates with each other, and the memory 83 is adapted to store computer program instructions.

The transceiver 81 may be used to obtain a task to be run and configuration information of the task to be run.

The system bus may be a peripheral component interconnect standard (peripheral component interconnect, PCI) bus or an extended industry standard architecture (extended industry standard architecture, EISA) bus, among others. The system bus may be classified into an address bus, a data bus, a control bus, and the like. For ease of illustration, the figures are shown with only one bold line, but not with only one bus or one type of bus. The transceiver is used to enable communication between the database access device and other computers (e.g., clients, read-write libraries, and read-only libraries). The memory may include random access memory (random access memory, RAM) and may also include non-volatile memory (non-volatile memory).

The electronic device provided by the embodiment of the application can be the terminal device of the embodiment.

The embodiment of the application also provides a chip for running the instruction, which is used for executing the technical scheme of the account processing method in the embodiment.

The embodiment of the application also provides a computer readable storage medium, wherein the computer readable storage medium stores computer instructions, and when the computer instructions run on a computer, the computer is caused to execute the technical scheme of the processing method of the account in the embodiment.

The embodiment of the application also provides a computer program product, which comprises a computer program stored in a computer readable storage medium, wherein at least one processor can read the computer program from the computer readable storage medium, and the technical scheme of the account processing method in the embodiment can be realized when the at least one processor executes the computer program.

In the several embodiments provided by the present application, it should be understood that the disclosed apparatus and method may be implemented in other ways. For example, the above-described device embodiments are merely illustrative, e.g., the division of modules is merely a logical function division, and there may be additional divisions of actual implementation, e.g., multiple modules may be combined or integrated into another system, or some features may be omitted or not performed. Alternatively, the coupling or direct coupling or communication connection shown or discussed with each other may be an indirect coupling or communication connection via some interfaces, devices or modules, which may be in electrical, mechanical, or other forms.

The modules illustrated as separate components may or may not be physically separate, and components shown as modules may or may not be physical units, may be located in one place, or may be distributed over multiple network units. Some or all of the modules may be selected according to actual needs to implement the solution of this embodiment.

In addition, each functional module in the embodiments of the present application may be integrated in one processing unit, or each module may exist alone physically, or two or more modules may be integrated in one unit. The units formed by the modules can be realized in a form of hardware or a form of hardware and software functional units.

The integrated modules, which are implemented in the form of software functional modules, may be stored in a computer readable storage medium. The software functional modules described above are stored in a storage medium and include instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) or processor to perform some of the steps of the methods of the various embodiments of the application.

It should be understood that the above processor may be a central processing unit (Central Processing Unit, abbreviated as CPU), but may also be other general purpose processors, digital signal processors (Digital Signal Processor, abbreviated as DSP), application specific integrated circuits (Application Specific Integrated Circuit, abbreviated as ASIC), etc. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like. The steps of a method disclosed in connection with the present application may be embodied directly in a hardware processor for execution, or in a combination of hardware and software modules in a processor for execution.

The memory may comprise a high-speed RAM memory, and may further comprise a non-volatile memory NVM, such as at least one magnetic disk memory, and may also be a U-disk, a removable hard disk, a read-only memory, a magnetic disk or optical disk, etc.

The bus may be an industry standard architecture (Industry Standard Architecture, ISA) bus, an external device interconnect (Peripheral Component Interconnect, PCI) bus, or an extended industry standard architecture (Extended Industry Standard Architecture, EISA) bus, among others. The buses may be divided into address buses, data buses, control buses, etc. For ease of illustration, the buses in the drawings of the present application are not limited to only one bus or to one type of bus.

The storage medium may be implemented by any type or combination of volatile or nonvolatile memory devices such as Static Random Access Memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic memory, flash memory, magnetic or optical disk. A storage media may be any available media that can be accessed by a general purpose or special purpose computer.

An exemplary storage medium is coupled to the processor such the processor can read information from, and write information to, the storage medium. In the alternative, the storage medium may be integral to the processor. The processor and the storage medium may reside in an application specific integrated circuit (Application Specific Integrated Circuits, ASIC for short). Of course, the processor and the storage medium may reside as discrete components in an electronic control unit or master control device.

Those of ordinary skill in the art will appreciate that: all or part of the steps for implementing the method embodiments described above may be performed by hardware associated with program instructions. The foregoing program may be stored in a computer readable storage medium. The program, when executed, performs steps including the method embodiments described above; and the aforementioned storage medium includes: various media that can store program code, such as ROM, RAM, magnetic or optical disks.

Finally, it should be noted that: the above embodiments are only for illustrating the technical solution of the present application, and not for limiting the same; although the application has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical scheme described in the foregoing embodiments can be modified or some or all of the technical features thereof can be replaced by equivalents; such modifications and substitutions do not depart from the spirit of the application.

Claims

1. A method for processing an account, comprising:

determining a plurality of unregistered accounts in a preset account set;

acquiring the dormancy time of each unregistered account and the user identification corresponding to each unregistered account, wherein the dormancy time is the time between the current time and the last account transaction time;

determining a first number of accounts to be logged out;

determining a plurality of dormant accounts in the plurality of unregistered accounts according to the dormant time of each unregistered account, wherein the dormant time of the dormant accounts is longer than or equal to a preset time;

determining at least one target account in the plurality of dormant accounts according to the dormant duration of each unregistered account, the user identifier corresponding to each unregistered account and the first quantity;

and performing log-off processing on the at least one target account.

2. The method of claim 1, wherein determining at least one target account among the plurality of dormant accounts based on the dormant duration of each unregistered account, the user identification corresponding to each unregistered account, and the first number, comprises:

determining the at least one target account in the plurality of account sets according to the first quantity;

the multi-sleep type is used for indicating that a plurality of accounts corresponding to the user are dormant accounts respectively, the single-sleep type is used for indicating that one account corresponding to the user is dormant account, and the mixed type is used for indicating that the user corresponds to at least one dormant account and at least one non-dormant account.

3. The method of claim 2, wherein determining the at least one target account from the plurality of account sets based on the first quantity comprises:

4. The method of claim 3, wherein determining the at least one target account among the plurality of account sets based on the priority of each account set, the dormant duration of each dormant account in each account set, and the first number, comprises:

5. The method of any of claims 1-4, wherein obtaining a first number of accounts to be de-registered comprises:

acquiring a preset dormancy duty cycle;

6. The method of any of claims 1-5, wherein determining a plurality of dormant accounts among the plurality of unregistered accounts based on a dormant duration of each unregistered account comprises:

7. The method of any of claims 1-6, further comprising, after the deregistering the at least one target account:

determining the latest dormancy time of each latest unregistered account;

8. An account processing apparatus, comprising:

the extraction module is used for determining a plurality of unregistered accounts in a preset account set;

the acquisition module is used for acquiring the dormancy time of each unregistered account and the user identification corresponding to each unregistered account, wherein the dormancy time is the time between the current time and the last account transaction time;

the preset module is used for determining a first number of accounts to be logged out;

the determining module is used for determining a plurality of dormant accounts in the plurality of unregistered accounts according to the dormant time length of each unregistered account, wherein the dormant time length of the dormant accounts is greater than or equal to the preset time length;

the screening module is used for determining at least one target account in the plurality of dormant accounts according to the dormant duration of each unregistered account, the user identification corresponding to each unregistered account and the first quantity;

and the cancellation module is used for performing cancellation processing on the at least one target account.

9. The apparatus of claim 8, wherein the device comprises a plurality of sensors,

the screening module is specifically configured to determine a user type corresponding to each dormant account according to a dormant duration of each unregistered account and a user identifier corresponding to each unregistered account, where the user types are a multi-sleep type, a single-sleep type and a mixed type;

The screening module is specifically configured to determine a plurality of account sets from the plurality of dormant accounts according to the user type, where the user types corresponding to the dormant accounts in each account set are the same;

the screening module is specifically further configured to determine the at least one target account from the plurality of account sets according to the first number;

10. The apparatus of claim 9, wherein the device comprises a plurality of sensors,

the screening module is specifically configured to determine a priority of each account set according to a user type corresponding to the dormant account in each account set;

the screening module is specifically further configured to determine the at least one target account in the plurality of account sets according to the priority of each account set, the sleep duration of each sleep account in each account set, and the first number.

11. The apparatus of claim 10, wherein the device comprises a plurality of sensors,

The screening module is specifically configured to sort the plurality of account sets according to the priority of each account set;

the screening module is specifically configured to sort, for any one account set, the dormant accounts in the account set according to the dormant duration of each dormant account in the account set;

the screening module is specifically further configured to determine, as the at least one target account, a first number of dormant accounts in the plurality of account sets according to a sequence of the priority of the account sets from high to low and a sequence of each dormant account in the account sets.

12. The apparatus according to any one of claims 8-11, wherein the apparatus further comprises:

a computing module, configured to obtain a second number of the plurality of dormant accounts and a third number of the plurality of unregistered accounts;

the calculating module is further configured to determine a ratio of the second number to the third number as a current sleep duty ratio;

the computing module is also used for acquiring a preset dormancy duty cycle;

the computing module is further configured to determine that the first number is 0 if the current sleep duty cycle is less than or equal to the preset sleep duty cycle;

The computing module is further configured to obtain a first difference value between the current sleep duty cycle and a preset sleep duty cycle if the current sleep duty cycle is greater than the preset sleep duty cycle, and determine a product of the third number and the first difference value as the first number.

13. The apparatus according to any one of claims 8-12, wherein the apparatus further comprises:

and the judging module is used for determining a plurality of dormant accounts from the plurality of unregistered accounts according to the dormant duration of each unregistered account when the first number is greater than 0.

14. The apparatus according to any one of claims 8-13, wherein the apparatus further comprises:

the reminding module is used for determining other accounts except the at least one target account in the plurality of unregistered accounts as a plurality of latest unregistered accounts;

the reminding module is also used for determining the latest dormancy time of each latest unregistered account;

the reminding module is further configured to determine a message template according to the latest dormancy time length if the latest dormancy time length of any one latest unregistered account is greater than or equal to a preset threshold value, generate a target message according to account information of the latest unregistered account and the message template, and send the target message to a terminal device corresponding to the latest unregistered account, where the target message includes the latest dormancy time length.

15. An electronic device, comprising: a processor, and a memory communicatively coupled to the processor;

the memory stores computer-executable instructions;

the processor executes computer-executable instructions stored in the memory to implement the method of any one of claims 1-7.

16. A computer readable storage medium having stored therein computer executable instructions which when executed by a processor are adapted to carry out the method of any one of claims 1-7.

17. A computer program product comprising a computer program which, when executed by a processor, implements the method of any of claims 1-7.