CN109165947B - Account information determination method and device and server - Google Patents
Account information determination method and device and server Download PDFInfo
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- CN109165947B CN109165947B CN201810678532.9A CN201810678532A CN109165947B CN 109165947 B CN109165947 B CN 109165947B CN 201810678532 A CN201810678532 A CN 201810678532A CN 109165947 B CN109165947 B CN 109165947B
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/409—Device specific authentication in transaction processing
- G06Q20/4097—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
- G06Q20/3415—Cards acting autonomously as pay-media
Abstract
The invention discloses an account information determination method, an account information determination device and a server, wherein the account information determination method comprises the following steps: acquiring a first account set transacted with a target bank card in the transaction system, wherein the target bank card is a bank card which is not signed into the transaction system; obtaining a second set of accounts that have transacted with accounts in the first set of accounts; and determining target account information corresponding to the target bank card in the transaction system according to the first account set and the second account set.
Description
Technical Field
The invention relates to the field of data processing, in particular to an account information determining method, an account information determining device and a server.
Background
The transfer from the transaction system to the bank card is one of important services in a pneumatic control system, and when the transfer is carried out to the bank card, the risk evaluation needs to be carried out on the bank card to confirm the risk level of the transfer. At present, the risk evaluation of the bank card needs to depend on the information of the bank card, and when the information of the bank card is less, the transfer is possibly not guaranteed, and the risks of stealing numbers, cheating, gambling, money washing and the like appear.
Disclosure of Invention
The embodiment of the specification provides an account information determining method, an account information determining device and a server.
In a first aspect, an embodiment of the present specification provides an account information determining method, which is applied in a transaction system, and includes:
acquiring a first account set transacted with a target bank card in the transaction system, wherein the target bank card is a bank card which is not signed into the transaction system;
obtaining a second set of accounts that have transacted with accounts in the first set of accounts;
and determining target account information corresponding to the target bank card in the transaction system according to the first account set and the second account set.
In a second aspect, an embodiment of the present specification provides an account information determining method, applied in a transaction system, including:
acquiring a first account set transacted with a target bank card in the transaction system, wherein the target bank card is a bank card which is not signed into the transaction system;
and determining target account information corresponding to the target bank card in the transaction system according to the first account set. In a third aspect, an embodiment of the present specification provides an account information determining apparatus, which is applied in a transaction system, and includes:
the system comprises a first account set determining module, a second account set determining module and a transaction processing module, wherein the first account set determining module is used for acquiring a first account set which is transacted with a target bank card in the transaction system, and the target bank card is a bank card which is not signed to the transaction system;
a second account combination determination module for obtaining a second account set that has transacted with an account in the first account set;
and the account information determining module is used for determining target account information corresponding to the target bank card in the transaction system according to the first account set and the second account set.
In a fourth aspect, an embodiment of the present specification provides an account information determining apparatus, which is applied in a transaction system, and includes:
the system comprises an account set determining module, a transaction processing module and a transaction processing module, wherein the account set determining module is used for acquiring a first account set transacted with a target bank card in the transaction system, and the target bank card is a bank card which is not signed into the transaction system;
and the account information determining module is used for determining target account information corresponding to the target bank card in the transaction system according to the first account set. In a fifth aspect, embodiments of the present specification provide a server, including a memory, a processor, and a computer program stored on the memory and executable on the processor, the processor performing the steps of any one of the above methods.
In a sixth aspect, the present specification provides a computer readable storage medium, on which a computer program is stored, and the computer program is used for implementing the steps of any one of the above methods when executed by a processor.
The embodiment of the specification has the following beneficial effects:
in the account information determining method provided in the embodiments of the present specification, a first account set that has transacted with a target bank card is acquired in the transaction system, a second account set that has transacted with an account in the first account set is determined, and target account information corresponding to the target bank card in the transaction system is determined according to the first account set and the second account set. In the embodiment of the specification, the target account corresponding to the target bank card in the transaction system is determined by the first account set which has direct transaction with the target bank card and the second account set which has direct transaction with the first account set, and the target account information of the target account is used as the information of the target bank card, so that the information of the target bank card is enriched, and the risk of transaction with the target bank card is reduced.
Drawings
Various other advantages and benefits will become apparent to those of ordinary skill in the art upon reading the following detailed description of the preferred embodiments. The drawings are only for purposes of illustrating the preferred embodiments and are not to be construed as limiting the invention. Also, like reference numerals are used to refer to like parts throughout the drawings. In the drawings:
FIG. 1 is a schematic diagram of a transaction system according to an embodiment of the present disclosure;
fig. 2 is a flowchart of an account information determining method provided in the first aspect of the embodiments of the present specification;
fig. 3 is a schematic diagram illustrating a target bank card, accounts of a first account set, and accounts of a second account set according to an embodiment of the present disclosure;
FIG. 4 is a flowchart of community detection provided by an embodiment of the present disclosure;
fig. 5 is a schematic diagram of an account information determining apparatus provided in a second aspect of the embodiments of the present specification;
fig. 6 is a schematic diagram of an account information determination server provided in the third aspect of the embodiments of the present specification.
Detailed Description
In order to better understand the technical solutions, the technical solutions of the embodiments of the present specification are described in detail below with reference to the drawings and specific embodiments, and it should be understood that the specific features of the embodiments and embodiments of the present specification are detailed descriptions of the technical solutions of the embodiments of the present specification, and are not limitations of the technical solutions of the present specification, and the technical features of the embodiments and embodiments of the present specification may be combined with each other without conflict.
The account information determination method in the embodiments of the present specification may be applied to a transaction system, which may be a payment system, a transaction wind control system, or other systems. Referring to fig. 1, a schematic diagram of a transaction system according to an embodiment of the present disclosure is shown, where the transaction system may include a plurality of terminals and a server, and the terminals are located on a user side and communicate with the server on a network side. The terminal can be a mobile phone, a computer and other equipment, provides a transaction interface for a user, and the user can log in an account to execute transaction operation. The server may include a memory for storing information of a plurality of accounts and a contracted bank card, and a processor for processing account information, information of the contracted bank card, transaction data, and the like.
It should be understood that the accounts in the transaction system may each have one or more bank cards bound to them, such bank cards being those that have signed up into the transaction system. For an account and a signed bank card in a transaction system, various information of a corresponding user can be obtained, for example, information such as a name, an identification card number and a mobile phone number of the user corresponding to the account and information such as a card number, a name, an identification card number and a mobile phone number of the user corresponding to the signed bank card can be obtained.
In a first aspect, an embodiment of the present disclosure provides an account information determining method applied in a transaction system, please refer to fig. 2, the method includes the following steps:
step S201: acquiring a first account set transacted with a target bank card in the transaction system, wherein the target bank card is a bank card which is not signed into the transaction system;
it should be understood that the target bank card is a bank card which is not signed into the transaction system, and only part of the information of the target bank card can be obtained, and in one embodiment, when a transaction occurs with the target bank card, such as a transfer transaction, the card number of the target bank card and the name of the holder of the target bank card can be obtained.
In the embodiment of the specification, a plurality of accounts exist in the transaction system, and whether the account has transacted with the target bank card or not, such as transactions of transferring money, receiving and paying money and the like with the target bank card, can be determined according to the transaction record of each account. The first set of accounts may be a set of accounts that have transacted with the target bank card.
In the transaction system, each account may be bound with one or more bank cards, and the bound bank card may be a bank card signed into the transaction system. In this embodiment of the present specification, a contracted bank card that has transacted with a target bank card may be determined according to a transaction record of the contracted bank card, and a corresponding account may be determined according to the contracted bank card, so as to further determine the first account set.
Step S202: obtaining a second set of accounts that have transacted with accounts in the first set of accounts;
after the first account set is determined, the account which has transacted with any account in the first account set can be determined according to the transaction records of each account and/or the signed bank card in the transaction, and a second account set is obtained.
Fig. 3 is a schematic diagram of a target bank card, accounts of a first account set, and accounts of a second account set shown in this specification. In fig. 3, account a, account B and account C have transacted with the target bank card; the account D, the account E and the signing bank card a are transacted with the account C, and in addition, the account D is transacted with the account E and the signing bank card a respectively. Then, in fig. 3, the first account set includes account a, account B, and account C, and the second account set includes account D, account E, and the account corresponding to signed bank card a.
It should be understood that, in order to reflect the transaction behavior of the target bank card in the last period of time, in this embodiment of the present specification, the accounts in the first account set and the second account set may be screened, for example, an account that has transacted with the target bank card in the first preset time period is determined as an account in the first account set, and an account that has transacted with an account in the first account set in the second preset time period is determined as an account in the second account set. The first preset time period and the second preset time period may be the same or different, and may be specifically set according to actual needs. In one embodiment, the first predetermined time period and the second predetermined time period are both within one month before the current time.
Step S203: and determining target account information corresponding to the target bank card in the transaction system according to the first account set and the second account set.
It should be understood that, according to the first account set and the second account set, account information of each account in the set may be obtained, for example, information such as an account name, an account location, an account identification number, and the like may be obtained. In one embodiment, the bank card information of the target bank card may be obtained, and the bank card information may include name and region information. And matching the information of the bank card with the account information of each account, and if the account information has the account which is the same as the information of the bank card, determining that the account information of the account is the target account information.
In the embodiment of the invention, because various information of the account can be obtained through the account in the transaction system and the signed bank card, the unsigned bank card can be associated with the account in the transaction system, namely, the account number of the holder of the unsigned bank card in the transaction system is determined, and the information of the account number is obtained as the target account information. Therefore, when the transaction is carried out aiming at the target bank card, various information of the target bank card can be obtained, so that the transaction risk is reduced.
Optionally, the determining, according to the first account set and the second account set, target account information corresponding to the target bank card in the transaction system includes: according to the association parameters between any two of the accounts in the first account set, the accounts in the second account set and the target bank card, clustering each account in the first account set, each account in the second account set and the target bank card to obtain a clustering result; and determining target account information corresponding to the target bank card according to the clustering result.
In the embodiment of the present specification, the clustering algorithm may be a K-MEANS s algorithm, a K-MEDOIDS algorithm, a CLARANS algorithm, or the like. In addition, other data mining methods, such as classification algorithms (KNN algorithms, decision trees, na iotave bayes algorithms, etc.), or other algorithms, may be used in addition to clustering algorithms. The association parameters may also be set according to actual needs, for example, the association parameters may be the number of transfers, the closeness of association, and the like.
In one embodiment, because the accounts in the first account set, the accounts in the second account set, and the target bank card all have direct or indirect connections, the accounts and the target bank card can be clustered according to the closeness of the connections between any two accounts, and a clustering result is obtained. And in order to determine the target account information, determining a cluster where the target bank card is located in the plurality of clusters, using the cluster as the target cluster of the target bank card, and determining the target account information corresponding to the target bank card according to the account information contained in the target cluster.
Optionally, the associated parameters include: the method comprises the steps of obtaining a static association parameter and/or a dynamic association parameter, wherein the static association parameter is a parameter used for indicating whether a friend relationship exists between accounts or between an account and a bank card, and the dynamic association parameter is a parameter used for indicating whether a transaction behavior exists between accounts or between an account and a bank card.
In the embodiment of the present invention, the association parameters may be defined as two types. The first type is static association parameters, such as whether the accounts or the accounts and the bank cards are friends with each other in the transaction system, whether the accounts are mutually stored in the address book of the other party, or whether the accounts or the accounts and the bank cards are logged in by using the same terminal. The second type is dynamic association parameters, namely parameters of dynamic operation behaviors such as fund inflow and outflow between accounts or between an account and a bank card. The static association parameter and the dynamic association parameter may each include a plurality of parameters.
Optionally, the clustering each account in the first account set, each account in the second account set, and the target bank card to obtain a clustering result includes: carrying out community detection on each account in the first account set, each account in the second account set and the target bank card to obtain a community detection result; the determining target account information corresponding to the target bank card according to the clustering result comprises: and determining the target account information according to the community detection result.
Community detection, also known as community detection, refers to the determination of closely related parts of a network, which are referred to as communities. In the embodiment of the specification, community detection is performed on each account in the first account set, each account in the second account set and the target bank card, and the community detection result includes N communities, where N is a positive integer. And determining the community where the target bank card is located in the N communities, and determining the target account information according to the account information in the community.
Optionally, the performing, by the first account set, the second account set, and the target bank card, a community detection result to obtain a community detection result is provided with reference to fig. 4, which is a flowchart of community detection provided in this specification, and includes the following steps:
step S401: constructing a target network, wherein each node in the target network corresponds to each account in the first account set, each account in the second account set and the target bank card one by one;
step S402: determining the association weight between every two nodes according to the association parameters between every two nodes in the target network;
step S403: and obtaining the community detection result according to the association weight, a preset community detection algorithm and the iteration times corresponding to the preset community detection algorithm.
In the embodiment of the specification, when the community detection is performed, a target network is established first, and each account in the first account set, each account in the second account set and a target bank card form a node in the target network. Still taking fig. 3 as an example, the nodes in the target network include: account a, account B, account C, account D, account E, target bank card, and signed bank card a.
Secondly, determining the association weight between every two nodes according to the association parameters between every two nodes. In one embodiment, when determining the association weight, the static association parameter and the dynamic association parameter may be processed separately. For example, since the static association parameters may be considered as an association achieved when the user relationship is relatively robust, the weights of the static association parameters may be set to 1. For the dynamic associated parameters, the associated weight can be mapped between 0 and 1 through a normalization function, so that the weight additivity corresponding to the dynamic associated parameters can be ensured, and the weight corresponding to the dynamic associated parameters is smaller than the weight corresponding to the static associated parameters. And then adding the static association weight and the dynamic association weight to obtain the association weight between the two nodes.
For example, the association parameters existing between account a and account B include: a parameter x for indicating whether the two are friends or not, a parameter y for indicating whether the two are in the address list of the opposite party or not, and a parameter z for indicating the number of times of the money transfer between the two. Then, the weight of the two nodes corresponding to account a and account B can be expressed by the following formula:
x·1+y·1+f(z)
in the formula, if the two are friends, x is 1, if the two are not friends, x is 0, if the two are in the address book of the opposite party, y is 1, if the two are in the address book of the opposite party, y is 0, and the f (z) function is used for normalizing the weight corresponding to the dynamic association parameter. The normalization function can be selected according to actual needs, such as a z-score normalization function, a logistic function, etc. In one embodiment, a logistic function f is used, the expression is as follows:
in the formula, x is an independent variable, a and b are specifiable parameters, and the selection of a and b can be determined by grid search. It will be appreciated that f tends to be 1 when x tends to infinity and a fixed value greater than 0 when x tends to be 0.
After the association weight among the nodes is determined, community detection is carried out according to a preset community detection algorithm and the iteration times corresponding to the preset community detection algorithm. The preset community detection algorithm may be set according to actual needs, for example, an Infomap algorithm, a Link communications algorithm, a modified Louvain algorithm, and the like.
In one embodiment, the preset community detection algorithm is a modified Louvain algorithm, and when the modified Louvain algorithm is used for community detection, the steps are as follows:
the method comprises the following steps: each node in the target network is regarded as an independent community, and the number of the communities is the same as that of the nodes;
step two: for each node, sequentially trying to allocate the node to a community where each neighbor node is located, calculating modularity change delta Q before and after allocation, and recording the neighbor node with the maximum delta Q, if the maximum delta Q is greater than zero, allocating the node to the community where the neighbor node with the maximum delta Q is located, otherwise, keeping the node unchanged, wherein the neighbor nodes can be two nodes in a direct connection relationship, for example, two nodes with transactions;
step three: repeating the step two until the communities to which all the nodes belong do not change any more;
step four: compressing nodes in the same community into a new node, converting the weight of edges between the nodes in the community into the weight of a ring of the new node, and converting the weight of the edges between the communities into the weight of the edges between the new nodes;
step five: and repeating the first step to the fourth step until certain iteration times are met, and obtaining a community detection result.
Optionally, before the determining the target account information according to the community detection result, the method further includes: acquiring bank card information of the target bank card, wherein the information quantity contained in the bank card information is smaller than the information quantity contained in the target account information; determining the target account information according to the community detection result, including: determining a target community where the target bank card is located in the community detection result; acquiring account information of an account contained in the target community; and determining account information matched with the bank card information as the target account information in the account information.
In the embodiment of the present specification, when the target bank card performs a transaction, the bank card information of the target bank card, such as the name of the cardholder and the region information, may be obtained, and these information are usually few, and the transaction risk assessment cannot be performed through these information. In order to determine the account information corresponding to the target bank card in the transaction system, the target community where the target bank card is located may be determined according to the community detection result, an account or a signed bank card included in the target community is obtained, and account information corresponding to the account or the signed bank card is correspondingly obtained, where the account information at least includes bank card information, for example, the account information includes a name, area information, account registration information, a historical balance record, and the like. And matching the name and the area information with the target bank card according to the account information of the accounts in the same community, and if the matching is successful, determining that the account corresponding to the name and the area information is the account of the target bank card in the transaction system, wherein the account information is the target account information of the target bank card.
Optionally, the account information determining method provided in this embodiment of the present specification further includes: acquiring a signed bank card set, wherein each bank card in the signed bank card set signs a contract with the transaction system; and verifying the accuracy of the community detection result according to the signed bank card set, the associated account information set obtained by carrying out community detection on the signed bank card set and the actual account information set corresponding to the signed bank card set so as to determine the iteration times of the community detection.
In order to verify the accuracy of the determined account information, in the embodiment of the specification, the signed bank card set may be part of signed bank cards selected in a sampling manner, and the part of signed bank cards selected in the sampling manner are used as target bank cards and are used as mining objects to verify the accuracy of the community detection result. In each iteration process of community detection, a target network is established, a community detection result is obtained according to a preset community detection algorithm, and account information associated with the signed bank card is determined according to the community detection result. And comparing the associated account information with the actual account information of the signed bank card, and if the associated account information is the same as the actual account information of the signed bank card, judging that the community detection result is correct.
In addition, in the embodiment of the present disclosure, when the signed bank card set is used to verify the accuracy of the associated account information, after each iteration, the accuracy of the associated account information in the signed bank card set may be calculated according to the community detection result of each bank card in the signed bank card set after the iteration, a variation curve of the iteration times and the verification accuracy is drawn, and an appropriate iteration time is selected through the variation curve to serve as the iteration time corresponding to the preset community detection algorithm in the embodiment of the present disclosure.
In the embodiment of the present specification, the accuracy of the community detection result may also be improved by adjusting the association weight. Still taking the aforementioned logistic function f as an example, the weight corresponding to the dynamic correlation parameter is determined through the function f, in the implementation process, a grid search may be used to determine multiple sets of parameters a and b, the accuracy of the target account information identified by the community detection of the sampled signed bank card set under each set of parameters is calculated, and the parameters a and b corresponding to the highest accuracy are used as the finally used parameters a and b.
In a second aspect, an embodiment of the present specification provides an account information determining method, applied in a transaction system, including:
acquiring a first account set transacted with a target bank card in the transaction system, wherein the target bank card is a bank card which is not signed into the transaction system;
and determining target account information corresponding to the target bank card in the transaction system according to the first account set.
In an optional implementation manner, the determining, according to the first account set, target account information corresponding to the target bank card in the transaction system includes:
according to each account in the first account set and the associated parameter between any two of the target bank cards, clustering each account in the first account set and the target bank card to obtain a clustering result;
and determining target account information corresponding to the target bank card according to the clustering result.
In an optional implementation manner, the determining, according to the clustering result, target account information corresponding to the target bank card includes:
determining a target cluster where the target bank card is located in the clustering result;
and determining target account information corresponding to the target bank card according to the account information contained in the target cluster.
It should be understood that since the existing account transfers funds to its own unsigned bank card, the target account information corresponding to the target bank card may be determined by the first set of accounts. Therefore, in order to improve the association efficiency of account information, the first account set may be used alone to determine the target account information of the target bank card. Regarding the account information determining method provided by the second aspect of the embodiments of the present specification, the specific implementation manner thereof is substantially the same as the implementation manner of the account information determining method provided by the first aspect, and the specific details have been described in detail in the foregoing, and will not be elaborated herein.
In a third aspect, based on the same inventive concept, an embodiment of the present specification provides an account information determining apparatus applied in a transaction system, please refer to fig. 5, the apparatus includes:
a first account set determining module 51, configured to obtain, in the transaction system, a first account set that has transacted with a target bank card, where the target bank card is a bank card that is not signed to the transaction system;
a second account association determination module 52, configured to determine a second account set in which a transaction has occurred with an account in the first account set;
the account information determining module 53 is configured to determine, according to the first account set and the second account set, target account information corresponding to the target bank card in the transaction system.
In an alternative implementation, the account information determining module 53 includes:
the first processing module 531 is configured to perform clustering processing on each account in the first account set, each account in the second account set, and the target bank card according to association parameters among each account in the first account set, each account in the second account set, and the target bank card, so as to obtain a clustering result;
and the second processing module 532 is configured to determine target account information corresponding to the target bank card according to the clustering result.
In an alternative implementation manner, the clustering result includes a plurality of clustering clusters, and the second processing module 532 includes:
the target cluster determining module is used for determining the cluster where the target bank card is located in the plurality of cluster clusters and using the cluster as the target cluster of the target bank card;
and the third processing module is used for determining target account information corresponding to the target bank card according to the account information contained in the target cluster.
In an optional implementation, the association parameter includes: the method comprises the steps of obtaining a static association parameter and/or a dynamic association parameter, wherein the static association parameter is a parameter used for indicating whether a friend relationship exists between accounts or between an account and a bank card, and the dynamic association parameter is a parameter used for indicating whether a transaction behavior exists between accounts or between an account and a bank card.
In an alternative implementation, the first processing module 531 includes:
the fourth processing module 5311 is configured to perform community detection on each account in the first account set, each account in the second account set, and the target bank card, and obtain a community detection result;
a second processing module 532 comprising: a fifth processing module 5321, configured to determine the target account information according to the community detection result.
In an alternative implementation, the third processing module 5311 includes:
a network construction module, configured to construct a target network, where each node in the target network corresponds to each account in the first account set, each account in the second account set, and the target bank card one to one;
the weight determining module is used for determining the association weight between every two nodes according to the association parameters between every two nodes in the target network;
and the sixth processing module is used for obtaining the community detection result according to the association weight, a preset community detection algorithm and the iteration times corresponding to the preset community detection algorithm.
In an alternative implementation, the apparatus further includes:
the first acquisition module is used for acquiring the bank card information of the target bank card, and the information quantity contained in the bank card information is less than the information quantity contained in the target account information;
a fourth processing module 5321 comprising:
the first determining module is used for determining a target community where the target bank card is located in the community detection result;
the second acquisition module is used for acquiring account information of the accounts contained in the target community;
and the second determination module is used for determining account information matched with the bank card information in the account information as the target account information.
In an alternative implementation, the apparatus further includes:
the third acquisition module is used for acquiring a signed bank card set, and each bank card in the signed bank card set signs a contract with the transaction system;
and the third determining module is used for determining the iteration times of community detection according to the signed bank card set, the associated account information set obtained by carrying out community detection on the signed bank card set and the actual account information set corresponding to the signed bank card set.
With regard to the above-mentioned apparatus, the specific manner of each module has been described in detail in the embodiment of the account information determination method provided in this specification, and will not be elaborated here.
In a fourth aspect, based on the same inventive concept, an embodiment of the present specification provides an account information determining apparatus, applied to a transaction system, including:
the system comprises an account set determining module, a transaction processing module and a transaction processing module, wherein the account set determining module is used for acquiring a first account set transacted with a target bank card in the transaction system, and the target bank card is a bank card which is not signed into the transaction system;
and the account information determining module is used for determining target account information corresponding to the target bank card in the transaction system according to the first account set.
With regard to the above-mentioned apparatus, the specific manner of each module has been described in detail in the embodiment of the account information determination method provided in this specification, and will not be elaborated here.
In a fifth aspect, based on the same inventive concept as the abnormal transaction identification method in the foregoing embodiment, the present invention further provides a server, as shown in fig. 6, including a memory 604, a processor 602, and a computer program stored on the memory 604 and executable on the processor 602, wherein the processor 602, when executing the program, implements the steps of any one of the foregoing account information determination methods.
Where in fig. 6 a bus architecture (represented by bus 600) is shown, bus 600 may include any number of interconnected buses and bridges, and bus 600 links together various circuits including one or more processors, represented by processor 602, and memory, represented by memory 604. The bus 600 may also link together various other circuits such as peripherals, voltage regulators, power management circuits, and the like, which are well known in the art, and therefore, will not be described any further herein. A bus interface 606 provides an interface between the bus 600 and the receiver 601 and transmitter 603. The receiver 601 and the transmitter 603 may be the same element, i.e., a transceiver, providing a means for communicating with various other apparatus over a transmission medium. The processor 602 is responsible for managing the bus 600 and general processing, and the memory 604 may be used for storing data used by the processor 602 in performing operations.
In a sixth aspect, based on the inventive concept of the account information determination method according to the previous embodiments, the present invention further provides a computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, implements the steps of any one of the above-described account information determination methods.
The description has been presented with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the description. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
While preferred embodiments of the present invention have been described, additional variations and modifications in those embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. Therefore, it is intended that the appended claims be interpreted as including preferred embodiments and all such alterations and modifications as fall within the scope of the invention.
It will be apparent to those skilled in the art that various changes and modifications may be made in the present invention without departing from the spirit and scope of the invention. Thus, if such modifications and variations of the present invention fall within the scope of the claims of the present invention and their equivalents, the present invention is also intended to include such modifications and variations.
Claims (18)
1. An account information determination method applied to a transaction system, the method comprising:
acquiring a first account set transacted with a target bank card in the transaction system, wherein the target bank card is a bank card which is not signed into the transaction system;
obtaining a second set of accounts that have transacted with accounts in the first set of accounts;
and determining target account information corresponding to the target bank card in the transaction system according to the first account set and the second account set.
2. The account information determining method according to claim 1, wherein the determining, according to the first account set and the second account set, target account information corresponding to the target bank card in the transaction system includes:
according to the association parameters between any two of the accounts in the first account set, the accounts in the second account set and the target bank card, clustering each account in the first account set, each account in the second account set and the target bank card to obtain a clustering result;
and determining target account information corresponding to the target bank card according to the clustering result.
3. The account information determination method according to claim 2, the clustering result including a plurality of clustering clusters,
the determining target account information corresponding to the target bank card according to the clustering result comprises:
determining a cluster where the target bank card is located in the plurality of clusters, and using the cluster as a target cluster of the target bank card;
and determining target account information corresponding to the target bank card according to the account information contained in the target cluster.
4. The account information determination method according to claim 2, the association parameter including: the method comprises the steps of obtaining a static association parameter and/or a dynamic association parameter, wherein the static association parameter is a parameter used for indicating whether a friend relationship exists between accounts or between an account and a bank card, and the dynamic association parameter is a parameter used for indicating whether a transaction behavior exists between accounts or between an account and a bank card.
5. The account information determination method according to any one of claims 2 to 4,
the clustering each account in the first account set, each account in the second account set, and the target bank card to obtain a clustering result includes: carrying out community detection on each account in the first account set, each account in the second account set and the target bank card to obtain a community detection result;
the determining target account information corresponding to the target bank card according to the clustering result comprises: and determining the target account information according to the community detection result.
6. The account information determining method according to claim 5, wherein the performing community detection on each account in the first account set, each account in the second account set and the target bank card to obtain a community detection result comprises:
constructing a target network, wherein each node in the target network corresponds to each account in the first account set, each account in the second account set and the target bank card one by one;
determining the association weight between every two nodes according to the association parameters between every two nodes in the target network;
and obtaining the community detection result according to the association weight, a preset community detection algorithm and the iteration times corresponding to the preset community detection algorithm.
7. The account information determination method of claim 6, prior to the determining the target account information according to the community detection result, the method further comprising: acquiring bank card information of the target bank card, wherein the information quantity contained in the bank card information is smaller than the information quantity contained in the target account information;
determining the target account information according to the community detection result, including: determining a target community where the target bank card is located in the community detection result; acquiring account information of an account contained in the target community; and determining account information matched with the bank card information as the target account information in the account information.
8. The account information determination method of claim 6, the method further comprising:
acquiring a signed bank card set, wherein each bank card in the signed bank card set signs a contract with the transaction system;
and verifying the accuracy of the community detection result according to the signed bank card set, the associated account information set obtained by carrying out community detection on the signed bank card set and the actual account information set corresponding to the signed bank card set so as to determine the iteration times of the community detection.
9. An account information determination device applied to a transaction system, the device comprising:
the system comprises a first account set determining module, a second account set determining module and a transaction processing module, wherein the first account set determining module is used for acquiring a first account set which is transacted with a target bank card in the transaction system, and the target bank card is a bank card which is not signed to the transaction system;
the second account combination determination module is used for acquiring a second account set which is transacted with the account in the first account set;
and the account information determining module is used for determining target account information corresponding to the target bank card in the transaction system according to the first account set and the second account set.
10. The account information determination apparatus of claim 9, the account information determination module, comprising:
a first processing module, configured to perform clustering processing on each account in the first account set, each account in the second account set, and the target bank card according to an association parameter between each account in the first account set, each account in the second account set, and any two of the target bank cards, so as to obtain a clustering result;
and the second processing module is used for determining target account information corresponding to the target bank card according to the clustering result.
11. The account information determining apparatus according to claim 10, the clustering result including a plurality of clustering clusters, the second processing module including:
the target cluster determining module is used for determining the cluster where the target bank card is located in the plurality of cluster clusters and using the cluster as the target cluster of the target bank card;
and the third processing module is used for determining target account information corresponding to the target bank card according to the account information contained in the target cluster.
12. The account information determination apparatus of claim 10, the association parameters comprising: the method comprises the steps of obtaining a static association parameter and/or a dynamic association parameter, wherein the static association parameter is a parameter used for indicating whether a friend relationship exists between accounts or between an account and a bank card, and the dynamic association parameter is a parameter used for indicating whether a transaction behavior exists between accounts or between an account and a bank card.
13. The account information determination apparatus of any one of claims 10 to 12, the first processing module comprising:
the fourth processing module is used for carrying out community detection on each account in the first account set, each account in the second account set and the target bank card to obtain a community detection result;
the second processing module comprises:
and the fifth processing module is used for determining the target account information according to the community detection result.
14. The account information determination apparatus of claim 13, the fourth processing module, comprising:
a network construction module, configured to construct a target network, where each node in the target network corresponds to each account in the first account set, each account in the second account set, and the target bank card one to one;
the weight determining module is used for determining the association weight between every two nodes according to the association parameters between every two nodes in the target network;
and the sixth processing module is used for obtaining the community detection result according to the association weight, a preset community detection algorithm and the iteration times corresponding to the preset community detection algorithm.
15. The account information determination apparatus of claim 14, the apparatus further comprising:
the first acquisition module is used for acquiring the bank card information of the target bank card, and the information quantity contained in the bank card information is less than the information quantity contained in the target account information;
the fourth processing module comprises:
the first determining module is used for determining a target community where the target bank card is located in the community detection result;
the second acquisition module is used for acquiring account information of the accounts contained in the target community;
and the second determining module is used for determining account information matched with the bank card information as the target account information in the account information.
16. The account information determination apparatus of claim 14, the apparatus further comprising:
the third acquisition module is used for acquiring a signed bank card set, and each bank card in the signed bank card set signs a contract with the transaction system;
and the third determining module is used for determining the iteration times of community detection according to the signed bank card set, the associated account information set obtained by carrying out community detection on the signed bank card set and the actual account information set corresponding to the signed bank card set.
17. A server comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the steps of the method of any one of claims 1 to 8 when executing the program.
18. A computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out the steps of the method of any one of claims 1 to 8.
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| CN201810678532.9A CN109165947B (en) | 2018-06-27 | 2018-06-27 | Account information determination method and device and server |
| CN202111554777.9A CN114219497A (en) | 2018-06-27 | 2018-06-27 | Account information determination method and device and server |
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| CN110738392B (en) * | 2019-09-10 | 2021-06-25 | 上海派拉软件股份有限公司 | Single-terminal multi-user wind control modeling method based on Bayesian network model |
| CN113743533B (en) * | 2021-09-17 | 2023-08-01 | 重庆紫光华山智安科技有限公司 | Picture clustering method and device and storage medium |
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