CN117593010A - Data processing method, device and checking and controlling system - Google Patents

Abstract

The application discloses a data processing method, a data processing device and a checking and controlling system. The checking and controlling system obtains a pre-freezing application and checks the pre-freezing application, wherein if the target account is a special account for business workers wages or a wage guarantee account and the pre-freezing control information and the applicant certificate information are qualified, the target account is confirmed to pass the checking; under the condition that the target account passes the audit, if the target account does not have the pre-freezing mark, adding the pre-freezing mark to the target account, adding the mark of the target account to a white list to enable the target account to be in a pre-freezing state, storing pre-freezing control information, and setting the pre-freezing information to be in a green state. Based on the scheme disclosed by the application, the special account for the payroll of the business workers and the payroll guarantee gold account can be protected from being sealed, frozen or transferred, and cannot be sold or transferred, so that the safety of funds in the account is guaranteed.

Description

Data processing method, device and checking and controlling system

Technical Field

The application belongs to the technical field of data processing, and particularly relates to a data processing method, a data processing device and a checking and controlling system.

Background

With the continuous promotion of the urban process, the urban workers become the main body of urban construction, and play an important role in urban construction. In order to avoid wages delinquent by the business associates, relevant departments have established a number of regulations. For example, the provision of "payroll regulations for staff of the security business associates" issued by the department of human society: except as otherwise prescribed by law, the payroll special account funds and payroll guarantees must not be sealed, frozen or allocated for reasons other than payroll payrolls that provide labor for the project.

For financial institutions, how to improve the processing procedure of the accounts of the workers (including the accounts special for workers wages and the payroll accounts), so as to ensure the safety of funds in the accounts of the workers is a problem to be solved.

Disclosure of Invention

In view of the foregoing, an object of the present application is to provide a data processing method, apparatus and checking and controlling system, so as to ensure the safety of funds in the accounts of the business workers.

In order to achieve the above purpose, the present application provides the following technical solutions:

in a first aspect, the present application provides a data processing method, applied to a control system, where the data processing method includes:

Obtaining a prefreezing application, wherein the prefreezing application comprises prefreezing control information and applicant certificate information, and the prefreezing control information comprises an identification of a target account;

checking the prefreezing application, wherein the target account is a special account for business workers wages or a payroll account, and the prefreezing control information and the applicant certificate information pass the checking under the condition that the target account is qualified;

if the target account does not have the pre-freezing mark under the condition that the pre-freezing application passes the audit, adding the pre-freezing mark to the target account, adding the mark of the target account to a white list so as to enable the target account to be in a pre-freezing state, storing the pre-freezing control information, and setting the pre-freezing information to be in a validity state;

wherein, the checking and sealing operation, the freezing operation, the transfer operation, the selling operation and the transferring operation are forbidden to be executed for the account in the pre-frozen state.

Optionally, on the basis of the data processing method, the method further includes:

and under the condition that the pre-freezing application passes the audit, if the target account is provided with a pre-freezing mark, storing the pre-freezing control information, and setting the pre-freezing control information into a waiting state.

Optionally, on the basis of the data processing method, the method further includes:

obtaining a cancel pre-freeze application, wherein the cancel pre-freeze application comprises an identifier of an account to be processed and a judicial document;

auditing the cancel prefreezing application, wherein the audit is confirmed to pass under the condition that the judicial document is qualified;

under the condition that the cancel pre-freezing application passes the audit, pre-freezing control information in a valid state is set to be in a failure state;

determining whether the account to be processed has pre-frozen control information in a round state;

if the account to be processed does not have the pre-freezing control information in the waiting state, the pre-freezing mark of the account to be processed is withdrawn, and the identification of the account to be processed is deleted from the white list;

if the account to be processed has the prefreezing control information in the waiting state, setting one prefreezing control information in the waiting state into a generating state, and ending the response to the prefreezing application cancellation.

Optionally, on the basis of the data processing method, the method further includes:

obtaining a freezing application, wherein the freezing application comprises an identifier of an account to be frozen;

Determining whether the account to be frozen is in a pre-frozen state;

if the account to be frozen is not in the pre-frozen state, starting a freezing process for the account to be frozen;

and outputting a freeze failure prompt if the account to be frozen is in the pre-frozen state, and ending the response to the frozen application.

Optionally, on the basis of the data processing method, the method further includes:

obtaining a household application, wherein the household application comprises an identifier of a household account to be sold;

determining whether the account to be sold is in a pre-frozen state;

if the account to be sold is not in the pre-frozen state, starting a process of selling the account to be sold;

and if the account to be sold is in the pre-frozen state, outputting a prompt of failure of selling the account, and ending the response to the application of selling the account.

Optionally, on the basis of the data processing method, the method further includes:

obtaining a transfer application, wherein the transfer application comprises an identifier of an account to be transferred;

determining whether the account to be transferred is in a pre-frozen state;

if the account to be transferred is not in the pre-frozen state, starting a transfer flow aiming at the account to be transferred;

And if the account to be transferred is in the pre-frozen state, outputting a transfer failure prompt, and ending the response to the transfer application.

Optionally, on the basis of the data processing method, the method further includes:

acquiring account information of an account to be identified;

determining the type of the account to be identified based on the account information of the account to be identified;

and if the type of the account to be identified is a special payroll account or a payroll account, storing the account identification of the account to be identified into a database of the payroll account.

Optionally, the determining the type of the account to be identified based on the account information of the account to be identified includes:

inputting the account information of the account to be identified into an account type identification model which is trained in advance;

and determining the type of the account to be identified based on the output of the account type identification model.

In a second aspect, the present application provides a data processing apparatus comprising:

the pre-freezing application acquisition module is used for acquiring a pre-freezing application, wherein the pre-freezing application comprises pre-freezing control information and applicant certificate information, and the pre-freezing control information comprises an identification of a target account;

The prefreezing application auditing module is used for auditing the prefreezing application, wherein the aim account is a special account for business workers wages or a payroll assurance account, and the prefreezing control information and the applicant certificate information are confirmed to pass the auditing under the condition that the aim account is qualified;

the pre-freezing processing module is used for adding a pre-freezing mark to the target account if the target account does not have the pre-freezing mark under the condition that the pre-freezing application passes the audit, adding the mark of the target account into a white list so as to enable the target account to be in a pre-freezing state, storing the pre-freezing control information and setting the pre-freezing information into a valid state;

wherein, the checking and sealing operation, the freezing operation, the transfer operation, the selling operation and the transferring operation are forbidden to be executed for the account in the pre-frozen state.

In a third aspect, the present application provides a control system comprising a processor and a memory;

the memory is used for storing programs;

the processor is configured to execute the program to implement the steps of any one of the data processing methods described above.

Therefore, the beneficial effects of the application are as follows:

According to the data processing method disclosed by the application, the checking and controlling system obtains the pre-freezing application, the pre-freezing application is checked, and under the condition that the target account is a special account for business workers or a payroll assurance account and the pre-freezing control information and the applicant certificate information are qualified, the checking and controlling system determines that the target account passes the checking, if the target account does not have the pre-freezing mark, the pre-freezing mark is added to the target account, the mark of the target account is added to a white list, so that the target account is in a pre-freezing state, and the checking and sealing operation, the freezing operation, the transfer operation, the selling operation and the transfer operation of the account in the pre-freezing state are forbidden. According to the data processing method disclosed by the application, the special payroll account or the payroll assurance gold account of the business workers is configured to be in the pre-freezing state, so that the two accounts can be protected from being sealed, frozen or transferred, and cannot be sold or transferred, the safety of funds in the two accounts is guaranteed, and the funds in the two accounts are only used for paying the payroll of the business workers providing labor force for the project.

Drawings

In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings that are required in the embodiments or the description of the prior art will be briefly described, and it is obvious that the drawings in the following description are some embodiments of the present application, and other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.

FIG. 1 is a flow chart of a data processing method disclosed in the present application;

FIG. 2 is a flow chart of another data processing method disclosed herein;

FIG. 3 is a schematic diagram of a data processing system of a financial institution as disclosed herein;

FIG. 4 is a schematic diagram of a data processing apparatus disclosed in the present application;

fig. 5 is a hardware configuration diagram of a checking and controlling system disclosed in the present application.

Detailed Description

The application discloses a data processing method, a data processing device and a checking and controlling system, wherein the checking and sealing operation, the freezing operation, the transfer operation, the sales operation and the transfer operation for the business personnel account are limited by setting the business personnel account to be in a pre-freezing state, so that the safety of funds in the business personnel account is ensured.

The terms in the present application will be explained first.

The special account for the business workers wages is as follows: the construction general contractor is opened at a financial institution where the engineering construction project is located, and is specially used for paying a special deposit account for payroll of a business worker.

Payroll assurance refers to: the construction general contractor in the engineering construction field establishes accounts at financial institutions and stores the accounts according to a certain proportion of the contract amount of the engineering construction, and special funds for paying the special funds of the payroll of the business workers who provide labor for the contractor project are delinquent.

Account freeze: after an account is frozen, funds in the account cannot be transferred out, but funds can be transferred into the account.

For the purposes of making the objects, technical solutions and advantages of the embodiments of the present application more clear, the technical solutions of the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is apparent that the described embodiments are some embodiments of the present application, but not all embodiments. All other embodiments, which can be made by one of ordinary skill in the art without undue burden from the present disclosure, are within the scope of the present disclosure.

Referring to fig. 1, fig. 1 is a flowchart of a data processing method disclosed in the present application, which is executed by a checking and controlling system of a financial institution, including:

s101: a prefreezing application is obtained.

The prefreezing application comprises prefreezing control information and applicant certificate information, wherein the prefreezing control information comprises identification of a target account.

The authority makes a prefreezing request to the financial institution and provides the applicant's certificate and associated judicial document to the operator of the financial institution. The authority refers to: in accordance with the express provision of laws and regulations, it is authorized to inquire, freeze, allocate judicial authorities, administrative authorities, military authorities and institutions that perform administrative functions for a unit or individual to deposit at a financial institution.

An operator of the financial institution logs in the checking and controlling system, and the prefreezing control information and the applicant certificate information are logged in the checking and controlling system. Wherein, the prefreezing control information is input by an operator based on a judicial document provided by an authority. In addition to the identification of the target account (i.e., the controlled account number), the pre-freeze control information may include all or part of the following: a control type; a control measure; a controlled account type; the reason for freezing; freezing the amount; freezing a start date; the freeze end date.

S102: and auditing the prefreezing application.

And determining that the target account passes the audit under the condition that the target account is a special payroll account or a payroll assurance account of a business worker and the prefreeding control information and the applicant certificate information are qualified.

Optionally, the auditor logs in the audit control system to audit the prefreezing application and generate an audit result.

Optionally, the checking and controlling system checks the prefreezing application based on a rule constructed in advance, and generates an checking result.

It will be appreciated that whether the audit is performed by an auditor on the pre-frozen application or by the audit control system, it is necessary to determine whether the target account is a business attendant payroll special account or a payroll assurance account. In practice, various schemes may be employed.

As an alternative, information of the target account is obtained, and whether the target account is a payroll special account or a payroll assurance account of the business worker is judged based on a preset rule.

As another alternative, the type identification is performed in advance for an account opened at the financial institution, and if the type of the account is a business attendant payroll special account or a payroll account, the identification of the account is stored in the business attendant account database. Correspondingly, whether the target account is a special business worker payroll account or a payroll assurance gold account is determined by querying whether the identification of the target account is in the business worker account database.

S103: under the condition that the pre-freezing application passes the audit, if the target account does not have the pre-freezing mark, adding the pre-freezing mark to the target account, adding the mark of the target account to a white list to enable the target account to be in a pre-freezing state, storing pre-freezing control information, and setting the pre-freezing information to be in a life effect state.

Wherein, the checking and sealing operation, the freezing operation, the transfer operation, the selling operation and the transferring operation are forbidden to be executed for the account in the pre-frozen state.

Optionally, the method further comprises: and under the condition that the pre-freezing application passes the audit, if the target account has the pre-freezing identification, storing the pre-freezing control information, and setting the pre-freezing control information into a waiting state.

According to the data processing method disclosed by the application, the checking and controlling system obtains the pre-freezing application, the pre-freezing application is checked, and under the condition that the target account is a special account for business workers or a payroll assurance account and the pre-freezing control information and the applicant certificate information are qualified, the checking and controlling system determines that the target account passes the checking, if the target account does not have the pre-freezing mark, the pre-freezing mark is added to the target account, the mark of the target account is added to a white list, so that the target account is in a pre-freezing state, and the checking and sealing operation, the freezing operation, the transfer operation, the selling operation and the transfer operation of the account in the pre-freezing state are forbidden. According to the data processing method disclosed by the application, the special payroll account or the payroll assurance gold account of the business workers is configured to be in the pre-freezing state, so that the two accounts can be protected from being sealed, frozen or transferred, and cannot be sold or transferred, the safety of funds in the two accounts is guaranteed, and the funds in the two accounts are only used for paying the payroll of the business workers providing labor force for the project.

In another embodiment of the present application, the following steps are further provided:

obtaining a freezing application, wherein the freezing application comprises an identifier of an account to be frozen;

determining whether an account to be frozen is in a prefreezing state;

if the account to be frozen is not in the pre-frozen state, starting a freezing process for the account to be frozen;

and if the account to be frozen is in the pre-frozen state, outputting a freezing failure prompt, and ending the response to the freezing application.

The applicant (e.g., an authority) makes a request to the financial institution to freeze an account. And the operator of the financial institution sends a freezing application to the checking and controlling system through the terminal, wherein the freezing application at least comprises the identification of the account to be frozen.

The checking and controlling system obtains a freezing application, judges whether an account to be frozen is in a pre-freezing state, if the account to be frozen is in the pre-freezing state, outputs a freezing failure prompt to the terminal, and ends the response to the freezing application, namely, the checking and controlling system does not execute freezing operation to the account to be frozen; and if the account to be frozen is not in the pre-frozen state, starting a freezing process for the account to be frozen.

It should be noted that, the checking and controlling system starts the freezing process for the account to be frozen, which does not necessarily mean that the freezing operation is performed on the account to be frozen. It will be appreciated that in a frozen account process, a financial institution will typically require the applicant to provide the corresponding material. It should be noted that the materials that the applicant is required to provide in the frozen account process may be different for each financial institution.

After the check and control system initiates the freeze flow of the account to be frozen, the applicant may be required to provide the corresponding material, for example, the applicant may be required to provide identification information and judicial documents. Under the condition that the materials provided by the applicant are qualified, the check and control system executes the freezing operation on the account to be frozen, and under the condition that the materials provided by the applicant are unqualified, the check and control system does not execute the freezing operation on the account to be frozen.

It should be noted that, according to the internal architecture design of the financial institution, the frozen flow for the account may also be performed by other systems, for example, by the core business system.

In the above embodiment of the present application, the checking and controlling system obtains the freezing application, determines whether the account to be frozen is in a pre-frozen state, if the account to be frozen is not in the pre-frozen state, starts the freezing process for the account to be frozen, if the account to be frozen is in the pre-frozen state, outputs the freezing failure prompt, ends the response for the freezing application, that is, does not execute the freezing operation for the account to be frozen, so that the payroll special account and the payroll guaranteed gold account of the urban attendant are not frozen, and the safety of funds in the payroll special account and the payroll guaranteed gold account of the urban attendant are guaranteed.

In another embodiment of the present application, the following steps are further provided, which are executed by the control system:

obtaining a seal checking application, wherein the seal checking application comprises an identifier of an account to be sealed;

determining whether the account to be checked is in a pre-frozen state;

if the account to be sealed is not in the pre-frozen state, starting a sealing process for the account to be sealed;

if the account to be sealed is in the pre-frozen state, outputting a seal failure prompt, and ending the response to the seal application.

The applicant (e.g., an authorized authority) makes a request to the financial institution to reconcile the account. And the operator of the financial institution sends a check-up application to the check-up system through the terminal, wherein the check-up application at least comprises the identification of the account to be checked up.

The checking and controlling system obtains a checking and sealing application, judges whether an account to be checked is in a pre-freezing state, if the account to be checked is in the pre-freezing state, outputs a checking and sealing failure prompt to the terminal, and ends the response to the checking and sealing application, namely, the checking and controlling system does not execute the checking and sealing operation to the account to be checked; and if the account to be sealed is not in the pre-frozen state, starting a sealing process for the account to be sealed.

It should be noted that, the checking and controlling system starts the checking and sealing process for the account to be checked and sealed, which does not mean that the checking and sealing operation must be performed on the account to be checked and sealed. It will be appreciated that in the process of reconciling accounts, financial institutions typically require that the applicant provide the corresponding material. It should be noted that the materials that the applicant is required to provide in the process of reconciling accounts may be different for each financial institution.

After the audit system initiates audit procedures for the account to be audit, the applicant may be required to provide corresponding material, for example, identification information and corresponding judicial documents. And under the condition that the material provided by the applicant is qualified, the checking and controlling system executes the checking and sealing operation for the account to be checked and under the condition that the material provided by the applicant is unqualified, the checking and controlling system does not execute the checking and sealing operation for the account to be checked.

It should be noted that, according to the internal architecture design of the financial institution, the accounting procedure for the account may also be performed by other systems, for example, by the core business system.

In the above embodiment of the present application, the checking and controlling system obtains a checking and sealing application, determines whether the account to be checked is in a pre-frozen state, if the account to be checked is not in the pre-frozen state, starts a checking and sealing process for the account to be checked, if the account to be checked is in the pre-frozen state, outputs a checking and sealing failure prompt, ends a response to the checking and sealing application, that is, does not execute a checking and sealing operation for the account to be checked, so that the special account of the payroll of the urban attendant and the payroll of the payroll attendant are not checked and the safety of funds in the special account of the payroll of the urban attendant and the payroll of the payroll are ensured.

In another embodiment of the present application, the following steps are further provided, which are executed by the control system:

obtaining a transfer application, wherein the transfer application comprises an identification of an account to be transferred;

determining whether an account to be transferred is in a pre-frozen state;

if the account to be transferred is not in the pre-frozen state, starting a transfer flow for the account to be transferred;

if the account to be transferred is in the pre-frozen state, outputting a transfer failure prompt, and ending the response to the transfer application.

The applicant (e.g., an authorized authority) makes a request to the financial institution to transfer funds from the account. An operator of the financial institution sends a transfer application to the checking and controlling system through the terminal, wherein the transfer application at least comprises an identification of an account to be transferred.

The checking and controlling system obtains a transfer application, judges whether an account to be transferred is in a pre-frozen state, if the account to be transferred is in the pre-frozen state, outputs a transfer failure prompt to the terminal, and ends the response to the transfer application, namely, the checking and controlling system does not execute transfer operation to the account to be transferred; if the account to be transferred is not in the pre-frozen state, starting a transfer flow aiming at the account to be transferred.

It should be noted that, the initiation of the transfer procedure for the account to be transferred by the checking and controlling system does not mean that the transfer operation must be performed on the account to be transferred. It will be appreciated that in the transfer account process, the financial institution typically requires that the applicant provide the corresponding material. It should be noted that the materials that the applicant is required to provide in the transfer account process may be different for each financial institution.

After the audit system initiates a transfer procedure for an account to be transferred, the applicant may be required to provide corresponding material, for example, identification information and corresponding judicial documents. And under the condition that the materials provided by the applicant are qualified, the checking and controlling system executes the transfer operation on the account to be transferred, and under the condition that the materials provided by the applicant are not qualified, the checking and controlling system does not execute the transfer operation on the account to be transferred.

It should be noted that, according to the internal architecture design of the financial institution, the transfer procedure for the account may also be performed by other systems, for example, by the core business system.

In the above-mentioned embodiment of the present application, the checking and controlling system obtains the transfer application, determines whether the account to be transferred is in a pre-frozen state, if the account to be transferred is not in a pre-frozen state, starts the transfer flow for the account to be transferred, if the account to be transferred is in a pre-frozen state, outputs a transfer failure prompt, ends the response for the transfer application, that is, does not execute the transfer operation for the account to be transferred, so that the funds in the payroll special account and the payroll guarantee gold account are not transferred, and the safety of the funds in the payroll special account and the payroll guarantee gold account is guaranteed.

In another embodiment of the present application, the following steps are further provided, which are executed by the control system:

acquiring a sales application, wherein the sales application comprises an identification of an account to be sold;

determining whether the account to be sold is in a pre-frozen state;

if the account to be sold is not in the pre-frozen state, starting a process of selling the account to be sold;

if the account to be sold is in the pre-frozen state, outputting a prompt of failure of the sale, and ending the response to the application of the sale.

The applicant (e.g., account holder) makes a request to the financial institution for a sales user. The operator of the financial institution sends a sales request to the checking and controlling system through the terminal, or the applicant inputs the sales request through the terminal (for example, a self-service terminal of a website), and the terminal sends the sales request to the checking and controlling system, wherein the sales request at least comprises the identification of the account to be sold.

The checking and controlling system obtains the application of the sales user, judges whether the account to be sold is in a pre-freezing state, if the account to be sold is in the pre-freezing state, outputs a sales failure prompt to the terminal, and ends the response to the application of the sales user, namely, the checking and controlling system does not execute the sales user operation to the account to be sold; and if the account to be sold is not in the pre-frozen state, starting a process of selling the account to be sold.

It should be noted that, the checking and controlling system starts the sales process for the account to be sold, which does not mean that the sales operation must be performed on the account to be sold. It will be appreciated that financial institutions often require the applicant to provide corresponding materials during the process of selling account. It should be noted that the materials that the applicant is required to provide may be different for each financial institution in the sales account process.

After the audit system initiates the marketing process for the account to be marketing, the applicant may be required to provide the corresponding material, for example, the applicant may be required to provide identification information. And under the condition that the materials provided by the applicant are qualified, the checking and controlling system performs the marketing operation on the account to be marketing, and under the condition that the materials provided by the applicant are not qualified, the checking and controlling system does not perform the marketing operation on the account to be marketing.

It should be noted that, according to the internal architecture design of the financial institution, the sales process for the account may also be performed by other systems, for example, by the core business system.

In the above embodiment of the present application, the checking and controlling system obtains the application of the sales account, determines whether the account of the sales account is in the pre-frozen state, if the account of the sales account is not in the pre-frozen state, starts the sales flow for the account of the sales account, if the account of the sales account is in the pre-frozen state, outputs the sales failure prompt, ends the response to the application of the sales account, that is, does not execute the sales operation for the account of the sales account, so that the special account of the payroll and the payroll guarantee gold account of the business worker are not sold, and the funds in the special account of the payroll and the payroll guarantee gold account are not transferred or moved illegally, thereby guaranteeing the fund security of the two accounts.

In another embodiment of the present application, the following steps are further provided, which are executed by the control system:

obtaining a transfer application, wherein the transfer application comprises an identifier of an account to be transferred;

determining whether an account to be transferred is in a pre-frozen state;

if the account to be transferred is not in the pre-frozen state, starting a transfer flow aiming at the account to be transferred;

if the account to be transferred is in the pre-frozen state, outputting a transfer failure prompt, and ending the response to the transfer application.

The applicant (e.g., cardholder) makes a transfer request to a financial institution. The operator of the financial institution sends a transfer request to the checking and controlling system through the terminal, or the applicant inputs the transfer request through the terminal (for example, a self-service terminal of a website or a hand-held terminal of a cardholder), and the terminal sends the transfer request to the checking and controlling system, wherein the transfer request at least comprises an identification of an account to be transferred.

The checking and controlling system obtains a transfer application, judges whether an account to be transferred is in a pre-frozen state, if the account to be transferred is in the pre-frozen state, outputs a transfer failure prompt to the terminal, and ends the response to the transfer application, namely, the checking and controlling system does not execute the transfer operation to the account to be transferred; if the account to be transferred is not in the pre-frozen state, a transfer flow for the account to be transferred is started.

It should be noted that, the initiation of the transfer procedure for the account to be transferred by the checking and controlling system does not mean that the transfer operation must be performed on the account to be transferred. After the audit system initiates a transfer flow for an account to be transferred out, the applicant may be required to enter verification information (e.g., a reserved transaction password). And under the condition that the verification information input by the applicant is incorrect, the checking and controlling system does not execute the transfer operation for the account to be transferred out.

It should be noted that, according to the internal architecture design of the financial institution, the transfer process for the account may also be performed by other systems, for example, by the core business system.

In addition, it should be noted that the transfer operation and the wage replacement operation are two different operations. The sending out of the payroll operation can still be performed with the payroll dedicated account and payroll assurance gold account in a pre-frozen state.

In the above embodiment of the present application, the checking and controlling system obtains the transfer application, determines whether the account to be transferred is in the pre-frozen state, if the account to be transferred is not in the pre-frozen state, starts the transfer flow for the account to be transferred, if the account to be transferred is in the pre-frozen state, outputs the transfer failure prompt, ends the response for the transfer application, that is, does not execute the transfer operation for the account to be transferred, so that the payroll special account and the payroll assurance gold account of the business workers are not illegally transferred or moved, and the fund security of the two accounts is guaranteed.

In the various embodiments described above, the audit system needs to determine whether an account is in a prefreezed state. In practice, the checking and controlling system determines whether an account is in a prefreezing state, and a plurality of schemes can be adopted.

The first scheme is as follows: the checking and controlling system judges whether the account has a pre-freezing mark, if so, the account is determined to be in a pre-freezing state, otherwise, the account is determined not to be in the pre-freezing state.

The second scheme is as follows: the checking and controlling system judges whether the identification of the account is in the white list, if so, the account is determined to be in the pre-frozen state, otherwise, the account is determined not to be in the pre-frozen state.

Third scheme: judging whether the account has a pre-freezing mark or not, and judging whether the mark of the account is in a white list or not; if at least one judgment result is yes, the account is determined to be in the pre-frozen state, and if both judgment results are no, the account is determined not to be in the pre-frozen state.

Based on the third scheme, when the local data error occurs in the checking and controlling system, whether the account is in the pre-frozen state can still be correctly determined.

The various embodiments described above of the present application focus on: how to pre-freeze the payroll special account or payroll account for the business crews, and how to limit the checking operation, the freezing operation, the transfer operation, the sales operation and the transfer operation of the account in the pre-frozen state.

It will be appreciated that in the event that the account is no longer a payroll dedicated account or payroll account, the account holder has the need to cancel the pre-frozen state of the account. In the embodiments below in this application, a description is given of how to cancel the pre-frozen state of the account.

Referring to fig. 2, fig. 2 is a flowchart of another data processing method disclosed in the present application, which is executed by the control system, and includes:

s201: a prefreezing application is obtained.

The prefreezing application comprises prefreezing control information and applicant certificate information, wherein the prefreezing control information comprises identification of a target account and can also comprise all or part of the following information: a control type; a control measure; a controlled account type; the reason for freezing; freezing the amount; freezing a start date; the freeze end date.

S202: and auditing the prefreezing application. If the prefreezing application passes the audit, step S203 is executed, otherwise, the response to the prefreezing application is ended.

And determining that the target account passes the audit under the condition that the target account is a special payroll account or a payroll assurance account of a business worker and the prefreeding control information and the applicant certificate information are qualified.

S203: and judging whether the target account is provided with a prefreezing mark or not.

If the target account does not have the pre-freeze flag, step S204 is performed, and if the target account has the pre-freeze flag, step S205 is performed.

S204: adding a pre-freezing mark for the target account, adding the identification of the target account into a white list to enable the target account to be in a pre-freezing state, storing pre-freezing control information, and setting the pre-freezing information into a generating state.

S205: and storing the prefreezing control information and setting the prefreezing control information into a waiting state.

Wherein, the checking and sealing operation, the freezing operation, the transfer operation, the selling operation and the transferring operation are forbidden to be executed for the account in the pre-frozen state.

That is, if a certain account is in a pre-frozen state, the checking and controlling system obtains a pre-frozen application for the account, and the pre-frozen application passes the verification, the pre-frozen control information contained in the pre-frozen application is saved, and the pre-frozen control information is set to be in a waiting state.

S206: obtaining the cancel prefreezing application.

The cancellation pre-freezing application comprises identification of the account to be processed and a judicial document.

S207: and auditing the cancel pre-freezing application. If the cancellation of the prefreezing application passes the audit, step S208 is executed, otherwise, the response to the cancellation of the prefreezing application is ended.

Wherein, under the condition that the judicial document is qualified, the passing of the audit is determined.

S208: and setting the prefreezing control information currently in the effective state as the failure state.

S209: it is determined whether the account to be processed has pre-frozen control information in a round state.

If the account to be processed does not have the pre-freeze control information in the waiting state, step S210 is performed, and if the account to be processed has the pre-freeze control information in the waiting state, step S211 is performed.

S210: and (3) removing the pre-freezing mark of the account to be processed, and deleting the identification of the account to be processed from the white list.

S211: setting one prefreezing control information in a waiting state to be in a generating state, and ending the response for canceling the prefreezing application.

That is, the checking and controlling system obtains the application of canceling the prefreezing, and determines that the prefreezing application passes the audit, sets prefreezing control information currently in a valid state as a failure state, further determines whether the account has prefreezing control information in a round state, if the prefreezing control information in the round state exists, the prefreezing state of the account cannot be canceled, sets prefreezing control information in the round state as a valid state, and if the prefreezing control information in the round state does not exist, cancels the prefreezing state of the account, that is, cancels the prefreezing mark of the account to be processed, and deletes the mark of the account to be processed from the white list.

It should be noted that, for the same account, there may be a plurality of pre-frozen control information in a round state. In this case, as an alternative: among the plurality of prefreezing control information in the waiting state, prefreezing control information with the earliest storage time is selected, and the prefreezing control information is set in a generating state.

Based on the data processing method disclosed by the application, the checking and controlling system obtains the application of canceling the prefreezing, and further judges whether the account has prefreezing control information in a round state or not under the condition that the prefreezing application is confirmed to pass the checking, if the account has the prefreezing control information in the round state, the prefreezing state of the account cannot be canceled, and one prefreezing control information in the round state is set to be in a life-effect state. Based on the technical scheme, the same account can be applied for prefreezing for a plurality of times, after the prefreezing is finished, the checking and controlling system automatically judges whether the account has prefreezing control information in a round state, if the account has prefreezing control information in the round state, the prefreezing control information in the round state is validated, the prefreezing state of the account is not canceled, the process does not need to be manually participated, the personnel burden is reduced, and the processing is more timely.

In the above disclosed embodiment of the present application, in the process of auditing the pre-frozen application, it needs to be determined whether the target account is a dedicated payroll account or a payroll account, and one technical solution is implemented by means of a database of payroll accounts, which is described below.

On the basis of the various embodiments disclosed in the application, the following steps are further set, and the following steps are executed by the checking and controlling system:

acquiring account information of an account to be identified;

determining the type of the account to be identified based on the account information of the account to be identified;

and if the type of the account to be identified is a payroll special account or a payroll assurance account, storing the account identification of the account to be identified into a payroll account database.

Wherein the account information of the account to be identified comprises part or all of the following information: contract external service identification number, marketable product number, contract name, currency code, sub-contract number, sub-account number, date of opening an account, and contract lifecycle status code.

It should be noted that the account to be identified includes a new account opening account, and may also include a specified stock account.

As one implementation, the checking and controlling system obtains account information of the account to be identified, and determines the type of the account to be identified based on the pre-constructed identification rule and the account information of the account to be identified.

As another implementation manner, the checking and controlling system determines the type of the account to be identified based on the account information, and the following is adopted:

inputting account information of an account to be identified into an account type identification model which is trained in advance;

based on the output of the account type identification model, the type of account to be identified is determined.

The account type recognition model is obtained based on sample set training, has the capability of accurately predicting the type of the account based on account information, and can be a neural network model with various existing structures.

And outputting the account type recognition model as probability values of the account to be recognized belonging to various types, and determining the type of the account to be recognized based on the probability values of the account to be recognized belonging to various types. For example: and determining the type corresponding to the maximum probability value as the type of the account to be identified.

Optionally, the account information of the newly opened account and the account information of the designated stock account are transmitted to the checking and controlling system in different modes.

Referring now to FIG. 3, FIG. 3 is a schematic diagram of a data processing system of the financial institution disclosed herein.

The terminal of the website transmits the account information of the new account opening account to the data exchange platform, the data exchange platform stores the received account information of the new account opening account, and the checking and controlling system receives the account information of the new account opening account sent by the data exchange platform in batches at a designated time (for example, in the early morning of each day). In addition, an operator sends account information of the stock account to be identified to the checking and controlling system through the terminal. The checking and controlling system determines the type of each account to be identified, and if the account to be identified is a special payroll account or a payroll assurance account of the business workers, the account identification of the account to be identified is stored in a business workers account database.

The application discloses a data processing method and correspondingly, the application also discloses a data processing device, and the descriptions of the application and the application can be mutually referred to in the specification.

Referring to fig. 4, fig. 4 is a schematic structural diagram of a data processing apparatus disclosed in the present application. The data processing apparatus includes a prefreezing application acquisition module 10, a prefreezing application auditing module 20, and a prefreezing processing module 30.

The prefreezing application acquisition module 10 is configured to: a prefreezing application is obtained. The prefreezing application includes prefreezing control information including an identification of the target account and applicant certificate information.

The prefreezing application audit module 20 is configured to: and auditing the prefreezing application. And determining that the target account passes the audit under the condition that the target account is a special payroll account or a payroll assurance account of a business worker and the prefreeding control information and the applicant certificate information are qualified.

The prefreezing process module 30 is for: under the condition that the pre-freezing application passes the audit, if the target account does not have the pre-freezing mark, adding the pre-freezing mark to the target account, adding the mark of the target account to a white list to enable the target account to be in a pre-freezing state, storing pre-freezing control information, and setting the pre-freezing information to be in a life effect state.

Wherein, the checking and sealing operation, the freezing operation, the transfer operation, the selling operation and the transferring operation are forbidden to be executed for the account in the pre-frozen state.

Optionally, the prefreezing processing module 30 is further configured to: and under the condition that the pre-freezing application passes the audit, if the target account is provided with the pre-freezing mark, storing pre-freezing control information, and setting the pre-freezing control information into a waiting state.

Optionally, on the basis of the data processing device, a pre-freezing cancellation application acquisition module, a pre-freezing cancellation application auditing module and a pre-freezing cancellation processing module are further arranged.

The cancel prefreezing application acquisition module is used for: obtaining a cancel pre-freeze application, wherein the cancel pre-freeze application comprises an identification of an account to be processed and a judicial document.

The cancel prefreezing application auditing module is used for: and auditing the cancel prefreezing application, wherein the pass of the audit is determined under the condition that the judicial document is qualified.

The cancel prefreezing processing module is used for: under the condition that the pre-freezing application is cancelled to pass the audit, pre-freezing control information in a valid state is set to be in a failure state; determining whether the account to be processed has pre-frozen control information in a round state; if the account to be processed does not have the pre-freezing control information in the round state, the pre-freezing mark of the account to be processed is withdrawn, and the identification of the account to be processed is deleted from the white list; if the account to be processed has the prefreezing control information in the waiting state, setting one prefreezing control information in the waiting state into a generating state, and ending the response for canceling the prefreezing application.

Optionally, on the basis of any one of the data processing devices, a freeze application acquisition module, an account state determination module and a freeze application processing module are further provided.

The freezing application acquisition module is used for: obtaining a freezing application, wherein the freezing application comprises an identifier of an account to be frozen;

the account state determining module is used for: determining whether an account to be frozen is in a prefreezing state;

the freezing application processing module is used for starting a freezing flow aiming at the account to be frozen under the condition that the account to be frozen is not in a pre-frozen state; outputting a freeze failure prompt under the condition that the account to be frozen is in a pre-frozen state, and ending the response to the frozen application.

Optionally, on the basis of any one of the data processing devices, a check-seal application acquisition module, an account state determination module and a check-seal application processing module are further provided.

The check and seal application acquisition module is used for: obtaining a seal checking application, wherein the seal checking application comprises an identifier of an account to be sealed;

the account state determining module is used for: determining whether the account to be checked is in a pre-frozen state;

the seal application processing module is used for: under the condition that the account to be sealed is not in a pre-frozen state, starting a sealing process for the account to be sealed; outputting a seal failure prompt under the condition that the account to be sealed is in a pre-frozen state, and ending the response to the seal application.

Optionally, on the basis of any one of the data processing devices, a transfer application acquisition module, an account state determining module and a transfer application processing module are further provided.

The transfer application acquisition module is used for: obtaining a transfer application, wherein the transfer application comprises an identification of an account to be transferred;

the account state determining module is used for: determining whether an account to be transferred is in a pre-frozen state;

the transfer application processing module is used for: under the condition that the account to be transferred is not in a pre-frozen state, starting a transfer flow aiming at the account to be transferred; outputting a transfer failure prompt under the condition that the account to be transferred is in a pre-frozen state, and ending the response to the transfer application.

Optionally, on the basis of any one of the data processing devices, a sales application acquisition module, an account state determination module and a sales application processing module are further provided.

The household application acquisition module is used for: acquiring a sales application, wherein the sales application comprises an identification of an account to be sold;

the account state determining module is used for: determining whether the account to be sold is in a pre-frozen state;

the sales application processing module is used for: under the condition that the account to be sold is not in a pre-frozen state, starting a process of selling the account to be sold; and outputting a sales failure prompt under the condition that the account to be sold is in a pre-frozen state, and ending the response to the sales application.

Optionally, on the basis of any one of the data processing devices, a transfer application acquisition module, an account state determining module and a transfer application processing module are further arranged.

The transfer application acquisition module is used for: obtaining a transfer application, wherein the transfer application comprises an identifier of an account to be transferred;

the account state determining module is used for: determining whether an account to be transferred is in a pre-frozen state;

the transfer application processing module is used for: under the condition that the account to be transferred is not in a pre-frozen state, starting a transfer flow aiming at the account to be transferred; and under the condition that the account to be transferred is in a pre-frozen state, outputting a transfer failure prompt, and ending the response to the transfer application.

Optionally, the account management module is further configured based on any one of the above data processing devices.

The account management module is used for: acquiring account information of an account to be identified; determining the type of the account to be identified based on the account information of the account to be identified; and if the type of the account to be identified is a payroll special account or a payroll assurance account, storing the account identification of the account to be identified into a payroll account database.

Optionally, the account management module determines the type of the account to be identified based on the account information of the account to be identified by adopting the following scheme: inputting account information of an account to be identified into an account type identification model which is trained in advance; based on the output of the account type identification model, the type of account to be identified is determined.

The application also provides a checking and controlling system.

Referring to fig. 5, fig. 5 shows a hardware structure of a control system, which includes: a processor 501, a memory 502, a communication interface 503, and a communication bus 504.

In the embodiment of the present application, the number of the processor 501, the memory 502, the communication interface 503, and the communication bus 504 is at least one, and the processor 501, the memory 502, and the communication interface 503 complete communication with each other through the communication bus 504. Communication bus 504 may be an ISA (Industry Standard Architecture ) bus, a PCI (Peripheral Component Interconnect, peripheral component interconnect standard) bus, or EISA (Extended Industry Standard Architecture ) bus, among others. The buses may be classified as address buses, data buses, control buses, etc.

It should be noted that, as those skilled in the art will appreciate, the structure of the control system shown in fig. 5 is not limited to the control system, and the control system may include more or less components than those shown in fig. 5, or may combine some components, or may be arranged with different components.

The various components of the control system are described in detail below in conjunction with fig. 5.

The processor 501 is a control center of the control system, and connects various parts of the entire control system using various interfaces and lines, and performs various functions of the control system and processes data by running or executing software programs and/or modules stored in the memory 502, and calling data stored in the memory 502, thereby performing overall monitoring of the control system.

Processor 501 may be a central processing unit (Central Processing Unit, CPU), or a specific integrated circuit ASIC (Application Specific Integrated Circuit), or one or more integrated circuits configured to implement embodiments of the present invention, etc.;

the Memory 502 may include a Memory such as a Random-Access Memory (RAM) and a Read-Only Memory (ROM), and may further include a mass storage device such as at least 1 disk Memory, etc.

Wherein the memory 502 stores a program, the processor 501 may call the program stored in the memory, the program being configured to:

obtaining a prefreezing application, wherein the prefreezing application comprises prefreezing control information and applicant certificate information, and the prefreezing control information comprises an identification of a target account;

Checking the prefreezing application, wherein the target account is a special account for business workers wages or a payroll account, and the prefreezing control information and the applicant certificate information pass the checking under the condition that the target account is qualified;

if the target account does not have the pre-freezing mark under the condition that the pre-freezing application passes the audit, adding the pre-freezing mark to the target account, adding the mark of the target account to a white list so as to enable the target account to be in a pre-freezing state, storing the pre-freezing control information, and setting the pre-freezing information to be in a validity state;

wherein, the checking and sealing operation, the freezing operation, the transfer operation, the selling operation and the transferring operation are forbidden to be executed for the account in the pre-frozen state.

Alternatively, the refinement function and the extension function of the program may be described with reference to the above.

It should be noted that technical features described in each embodiment in the specification may be replaced or combined with each other, and each embodiment is mainly described in a different point from other embodiments, and identical or similar parts between each embodiment are referred to each other. The steps in the methods of the embodiments of the present application may be sequentially adjusted, combined, and pruned according to actual needs. The modules and sub-modules in the device and the equipment of the embodiments of the present application may be combined, divided, and pruned according to actual needs.

In the several embodiments provided in the present application, it should be understood that the disclosed apparatus, device and method may be implemented in other manners. For example, the apparatus embodiments described above are merely illustrative, e.g., the division of modules or sub-modules is merely a logical functional division, and there may be additional divisions when actually implemented, e.g., multiple sub-modules or modules may be combined or integrated into another module, 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 or sub-modules illustrated as separate components may or may not be physically separate, and components that are modules or sub-modules may or may not be physical modules or sub-modules, i.e., may be located in one place, or may be distributed over multiple network modules or sub-modules. Some or all of the modules or sub-modules may be selected according to actual needs to achieve the purpose of the embodiment.

In addition, each functional module or sub-module in each embodiment of the present application may be integrated in one processing module, or each module or sub-module may exist alone physically, or two or more modules or sub-modules may be integrated in one module. The integrated modules or sub-modules may be implemented in hardware or in software functional modules or sub-modules.

It is further noted that relational terms such as first and second, and the like are used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Moreover, 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 the element.

In the present specification, each embodiment is described in a progressive manner, and each embodiment is mainly described in a different point from other embodiments, and identical and similar parts between the embodiments are all enough to refer to each other. The technical features of each embodiment can be arranged and combined to form a new embodiment. For the data processing device and the checking and controlling system disclosed in the embodiments, the description is relatively simple because the data processing device and the checking and controlling system correspond to the data processing method disclosed in the embodiments, and relevant parts only need to be referred to in the method part.

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

Claims (10)

1. A data processing method, applied to a control system, comprising:

Obtaining a prefreezing application, wherein the prefreezing application comprises prefreezing control information and applicant certificate information, and the prefreezing control information comprises an identification of a target account;

checking the prefreezing application, wherein the target account is a special account for business workers wages or a payroll account, and the prefreezing control information and the applicant certificate information pass the checking under the condition that the target account is qualified;

if the target account does not have the pre-freezing mark under the condition that the pre-freezing application passes the audit, adding the pre-freezing mark to the target account, adding the mark of the target account to a white list so as to enable the target account to be in a pre-freezing state, storing the pre-freezing control information, and setting the pre-freezing information to be in a validity state;

wherein, the checking and sealing operation, the freezing operation, the transfer operation, the selling operation and the transferring operation are forbidden to be executed for the account in the pre-frozen state.

2. The data processing method according to claim 1, characterized by further comprising:

and under the condition that the pre-freezing application passes the audit, if the target account is provided with a pre-freezing mark, storing the pre-freezing control information, and setting the pre-freezing control information into a waiting state.

3. The data processing method according to claim 2, characterized by further comprising:

obtaining a cancel pre-freeze application, wherein the cancel pre-freeze application comprises an identifier of an account to be processed and a judicial document;

auditing the cancel prefreezing application, wherein the audit is confirmed to pass under the condition that the judicial document is qualified;

under the condition that the cancel pre-freezing application passes the audit, pre-freezing control information in a valid state is set to be in a failure state;

determining whether the account to be processed has pre-frozen control information in a round state;

if the account to be processed does not have the pre-freezing control information in the waiting state, the pre-freezing mark of the account to be processed is withdrawn, and the identification of the account to be processed is deleted from the white list;

if the account to be processed has the prefreezing control information in the waiting state, setting one prefreezing control information in the waiting state into a generating state, and ending the response to the prefreezing application cancellation.

4. A data processing method according to claim 3, further comprising:

obtaining a freezing application, wherein the freezing application comprises an identifier of an account to be frozen;

Determining whether the account to be frozen is in a pre-frozen state;

if the account to be frozen is not in the pre-frozen state, starting a freezing process for the account to be frozen;

and outputting a freeze failure prompt if the account to be frozen is in the pre-frozen state, and ending the response to the frozen application.

5. The data processing method according to claim 4, further comprising:

obtaining a household application, wherein the household application comprises an identifier of a household account to be sold;

determining whether the account to be sold is in a pre-frozen state;

if the account to be sold is not in the pre-frozen state, starting a process of selling the account to be sold;

and if the account to be sold is in the pre-frozen state, outputting a prompt of failure of selling the account, and ending the response to the application of selling the account.

6. The data processing method according to claim 5, further comprising:

obtaining a transfer application, wherein the transfer application comprises an identifier of an account to be transferred;

determining whether the account to be transferred is in a pre-frozen state;

if the account to be transferred is not in the pre-frozen state, starting a transfer flow aiming at the account to be transferred;

And if the account to be transferred is in the pre-frozen state, outputting a transfer failure prompt, and ending the response to the transfer application.

7. The data processing method according to claim 1, characterized by further comprising:

acquiring account information of an account to be identified;

determining the type of the account to be identified based on the account information of the account to be identified;

and if the type of the account to be identified is a special payroll account or a payroll account, storing the account identification of the account to be identified into a database of the payroll account.

8. The data processing method according to claim 7, wherein the determining the type of the account to be identified based on the account information of the account to be identified includes:

inputting the account information of the account to be identified into an account type identification model which is trained in advance;

and determining the type of the account to be identified based on the output of the account type identification model.

9. A data processing apparatus, comprising:

the pre-freezing application acquisition module is used for acquiring a pre-freezing application, wherein the pre-freezing application comprises pre-freezing control information and applicant certificate information, and the pre-freezing control information comprises an identification of a target account;

The prefreezing application auditing module is used for auditing the prefreezing application, wherein the aim account is a special account for business workers wages or a payroll assurance account, and the prefreezing control information and the applicant certificate information are confirmed to pass the auditing under the condition that the aim account is qualified;

the pre-freezing processing module is used for adding a pre-freezing mark to the target account if the target account does not have the pre-freezing mark under the condition that the pre-freezing application passes the audit, adding the mark of the target account into a white list so as to enable the target account to be in a pre-freezing state, storing the pre-freezing control information and setting the pre-freezing information into a valid state;

wherein, the checking and sealing operation, the freezing operation, the transfer operation, the selling operation and the transferring operation are forbidden to be executed for the account in the pre-frozen state.

10. A checking and controlling system is characterized by comprising a processor and a memory;

the memory is used for storing programs;

the processor is configured to execute the program to implement the respective steps of the data processing method according to any one of claims 1 to 8.