CN111815448B - Application form determination method based on associated network - Google Patents

Application form determination method based on associated network Download PDF

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CN111815448B
CN111815448B CN202010654261.0A CN202010654261A CN111815448B CN 111815448 B CN111815448 B CN 111815448B CN 202010654261 A CN202010654261 A CN 202010654261A CN 111815448 B CN111815448 B CN 111815448B
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王玉海
徐豪
陈浩
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Smart Co Ltd Beijing Technology Co Ltd
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Abstract

The invention relates to a method for determining a request form based on an associated network. The method comprises the following steps: establishing an application form association network according to the transaction information of a plurality of transaction application forms; calculating the sum of basic weight values of all paths formed between any two transaction application forms in the application form association network; determining a weight edge between any two transaction application forms according to the sum of basic weight values of all paths formed between any two transaction application forms; and determining a target transaction application form which has the greatest influence on the transaction application form to be inquired from the application form association network according to the transaction information of the transaction application form to be inquired and the weight edge between any two transaction application forms. Through the technical scheme of the invention, the transaction request form with the strongest relevance can be quickly and effectively inquired out by utilizing the transaction request form association network, so that the financial fraud formed by the associated transaction can be traced, and the financial fraud can be effectively prevented.

Description

Application form determination method based on associated network
Technical Field
The invention relates to the technical field of financial wind control anti-fraud, in particular to a method for determining a request form based on an associated network.
Background
Currently, in the field of financial anti-fraud, fraud is usually realized through associated financial transactions, and similar parts exist in the fraud transactions, but at present, it is difficult for many organizations to effectively discover an associated network between transactions, and further difficult to discover which transactions have the greatest association or mutual influence, so that the financial transaction fraud prevention is not facilitated.
Disclosure of Invention
The embodiment of the invention provides a method for determining a request form based on an associated network. The technical scheme is as follows:
the embodiment of the invention provides a method for determining an application form based on an associated network, which comprises the following steps:
establishing an application form association network according to the transaction information of a plurality of transaction application forms;
calculating the sum of basic weight values of all paths formed between any two transaction application forms in the application form association network;
determining a weight edge between any two transaction application forms according to the sum of basic weight values of all paths formed between any two transaction application forms, wherein the weight edge between any two transaction application forms is used for representing the association degree between any two transaction application forms; the arbitrary two transaction application forms are respectively positioned at two ends of the weight edge between the arbitrary two transaction application forms;
and determining a target transaction application form which has the greatest influence on the transaction application form to be inquired from the application form association network according to the transaction information of the transaction application form to be inquired and the weight edge between any two transaction application forms.
In one embodiment, the establishing of the application form association network according to the transaction information of the multiple transaction application forms includes:
taking each transaction application form in the transaction application forms as a transaction node;
establishing a path between the transaction request forms according to the relationship between the transaction information of the transaction nodes;
and establishing the application form association network according to the established paths among the transaction application forms.
In one embodiment, the method further comprises:
and determining the basic weight value of the path between the transaction request forms according to the relationship between the transaction information of the transaction nodes.
In one embodiment, the calculating a sum of basic weight values of all paths formed between any two transaction application forms in the application form association network includes:
traversing all paths between any two transaction application forms;
determining a basic weight value of each path in all paths between any two transaction application forms;
and summing the basic weight values of all paths between any two transaction application forms to calculate the sum of the basic weight values of all paths between any two transaction application forms.
In one embodiment, the determining, according to the transaction information of the transaction application form to be queried and the weight edge between any two transaction application forms, a target transaction application form having the greatest influence on the transaction application form to be queried from the application form association network includes:
determining a weight edge corresponding to the transaction application form to be inquired according to the transaction information of the transaction application form to be inquired and the weight edge between any two transaction application forms;
determining a preset transaction request form positioned at the other end of the weight edge corresponding to the transaction request form to be inquired;
and determining the target transaction application form according to the preset transaction application form.
In one embodiment, the method further comprises:
traversing each path from the transaction request form to be inquired to the target transaction request form;
screening out a target path with the maximum sum of the basic weight values from the transaction request form to be inquired to the target transaction request form from the paths according to the basic weight values of the paths;
and determining the target path with the maximum sum of the basic weight values as the path with the maximum influence on the to-be-inquired transaction application form in the application form association network.
In one embodiment, the screening out, from the paths, a target path with a largest sum of the basic weight values from the to-be-queried transaction application form to the target transaction application form according to the basic weight value of each path includes:
determining the sum of the basic weight values of all independent paths from the transaction request form to be inquired to the target transaction request form according to the following formula and the basic weight values of all paths;
Figure GDA0002834688290000031
wherein,
Figure GDA0002834688290000032
a sum of basic weight values, w (l), representing the ith independent path from the to-be-queried transaction request form to the target transaction request formik) The basic weight value of a kth path in an ith independent path from the to-be-inquired transaction application form to the target transaction application form is represented, and n represents the number of paths in the ith independent path from the to-be-inquired transaction application form to the target transaction application form;
determining the target path according to the following formula and the sum of the basic weight values of all the independent paths;
Figure GDA0002834688290000034
where L is the target path, max represents taking the maximum value, LjAnd the independent path with the maximum sum of basic weight values in the i independent paths from the transaction application form to be inquired to the target transaction application form is represented.
In one embodiment, the method further comprises:
carrying out first marking on the target transaction application form in the application form association network;
and carrying out second marking on a target path with the maximum sum of the basic weight values from the to-be-inquired transaction request form to the target transaction request form.
The technical scheme provided by the embodiment of the invention can have the following beneficial effects:
establishing a transaction application form association network according to transaction information of different transaction application forms, so as to form paths directly in different transaction application forms, then calculating the sum of basic weight values of all paths between any two transaction applications in the application form association network, and further automatically determining a weight edge for measuring the high or low association degree between any two transaction application forms according to the sum of the basic weight values, so that when any transaction application form to be inquired needs to be inquired, because the application form association network is more comprehensive and the weight edge is more natural, the corresponding weight edge can be inquired according to the transaction information of the transaction application form to be inquired, and further, the weight edge is utilized to determine a target transaction application form which has the greatest influence on the transaction application form to be inquired, so that the transaction application form association network can be utilized to realize quick and quick response, The transaction application form with the strongest relevance is effectively inquired, so that financial fraud formed by relevant transactions can be traced, and the financial fraud can be effectively prevented.
It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the invention, as claimed.
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The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the invention and together with the description, serve to explain the principles of the invention.
Fig. 1 is a flowchart illustrating a method for determining an associated network-based application form according to an exemplary embodiment.
Fig. 2 is a flow chart illustrating another associated-network-based application form determination method according to an example embodiment.
Detailed Description
Reference will now be made in detail to the exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, like numbers in different drawings represent the same or similar elements unless otherwise indicated. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with the present invention. Rather, they are merely examples of apparatus and methods consistent with certain aspects of the invention, as detailed in the appended claims.
In order to solve the above technical problem, an embodiment of the present invention provides a method for determining a request form based on an association network, as shown in fig. 1, the method includes steps S101 to S104:
in step S101, establishing an application form association network according to transaction information of a plurality of transaction application forms;
the transaction application form is a financial transaction form, and the transaction information naturally refers to various information in the financial transaction form, such as transaction time, transaction mode, payment mode, information of both transaction parties, transaction object, transaction price, and the like.
In step S102, calculating a sum of basic weight values of all paths formed between any two transaction application forms in the application form association network;
in step S103, determining a weight edge between any two transaction application forms according to a sum of basic weight values of all paths formed between the any two transaction application forms, where the weight edge between any two transaction application forms is used to represent a degree of association between any two transaction application forms; the arbitrary two transaction application forms are respectively positioned at two ends of the weight edge between the arbitrary two transaction application forms;
the degree of association between any two transaction application forms may be directly equal to the sum of the basic weight values of all paths formed between any two transaction application forms. Namely: the weight value of the weight edge between any two transaction application forms is the sum of the basic weight values of all paths formed between any two transaction application forms (for example, if the transaction nodes corresponding to any two transaction application forms are respectively a node A and a node B, if all paths from the node A to the node B are respectively A-C, C-B, A-D, D-E and E-B, the weight edge from the node A to the node B is a straight line between A-B, obviously the straight line between A-B is a virtual straight line, because A, B corresponding transaction application forms are not directly related, and the weight values of the weight edge from the node A to the node B are the sum of the basic weight values of the five paths from A-C, C-B, A-D, D-E and E-B), the weight edge between any two transaction application forms is a virtual connecting straight line between any two transaction application forms, and the sum of the basic weight values of the weight edge between any two transaction application forms is the sum of the basic weight values of all paths formed between the two transaction application forms.
In step S104, according to the transaction information of the transaction application form to be queried and the weight edge between any two transaction application forms, a target transaction application form having the greatest influence on the transaction application form to be queried is determined from the application form association network.
Establishing a transaction application form association network according to transaction information of different transaction application forms, so as to form paths directly in different transaction application forms, then calculating the sum of basic weight values of all paths between any two transaction applications in the application form association network, and further automatically determining a weight edge for measuring the high or low association degree between any two transaction application forms according to the sum of the basic weight values, so that when any transaction application form to be inquired needs to be inquired, because the application form association network is more comprehensive and the weight edge is more natural, the corresponding weight edge can be inquired according to the transaction information of the transaction application form to be inquired, and further, the weight edge is utilized to determine a target transaction application form which has the greatest influence on the transaction application form to be inquired, so that the transaction application form association network can be utilized to realize quick and quick response, The transaction application form with the strongest relevance is effectively inquired, so that financial fraud formed by relevant transactions can be traced, and the financial fraud can be effectively prevented.
When a target transaction application form which has the largest influence on the to-be-queried transaction application form is determined from the application form association network, if the transaction information of the to-be-queried transaction application form is exactly the same as the transaction information of a certain transaction application form of the application form association network, the target transaction application form can be determined according to the weight edges between the certain transaction application form and other transaction application forms in the application form association network;
and if the transaction information of the transaction application form to be inquired is not completely the same as the transaction information of any transaction application form in the application form association network, determining the target transaction application form according to the weight edge of the transaction application form with the highest similarity with the transaction information of the transaction application form to be inquired in the application form association network.
In addition, the sum of the basic weight values of the weight edges between the determined target transaction application form and the transaction application form to be inquired is as follows: the sum of the basic weight values of the corresponding basic weight values of the transaction application form to be inquired in the application form correlation network is the highest.
In one embodiment, the establishing of the application form association network according to the transaction information of the multiple transaction application forms includes:
taking each transaction application form in the transaction application forms as a transaction node;
establishing a path between the transaction request forms according to the relationship between the transaction information of the transaction nodes;
and establishing the application form association network according to the established paths among the transaction application forms.
The transaction nodes which take the transaction application forms as a whole, namely one transaction application form corresponds to one transaction node, and paths among the transaction application forms can be established according to the relationship among the transaction information of the transaction nodes, so that an effective application form association network is automatically formed through the paths, the transaction application form association network with the strongest association can be quickly and effectively inquired out by utilizing the transaction application form association network, the financial fraud formed by the associated transaction can be traced, and the financial fraud can be effectively prevented.
In one embodiment, the method further comprises:
and determining the basic weight value of the path between the transaction request forms according to the relationship between the transaction information of the transaction nodes.
According to the relationship between the transaction information of each transaction node, the basic weight value of the path between the transaction application forms can be accurately determined, namely, the stronger the relationship between a certain two transaction nodes is, the stronger the relevance between the two transaction nodes is, namely, the stronger the relevance between the two transaction application forms is, correspondingly, the higher the basic weight value of the path between the two transaction application forms is, and conversely, the lower the basic weight value of the path is.
In one embodiment, the calculating a sum of basic weight values of all paths formed between any two transaction application forms in the application form association network includes:
traversing all paths between any two transaction application forms;
determining a basic weight value of each path in all paths between any two transaction application forms;
and summing the basic weight values of all paths between any two transaction application forms to calculate the sum of the basic weight values of all paths between any two transaction application forms.
The method comprises the steps of obtaining paths between all transaction application forms in an application form association network by traversing all paths between any two transaction application forms, then determining the sum of basic weight values between all paths, and further summing the basic weight values of all paths between any two transaction application forms, so that the sum of the basic weight values of all paths formed between any two transaction application forms can be accurately obtained.
In one embodiment, the determining, according to the transaction information of the transaction application form to be queried and the weight edge between any two transaction application forms, a target transaction application form having the greatest influence on the transaction application form to be queried from the application form association network includes:
determining a weight edge corresponding to the transaction application form to be inquired according to the transaction information of the transaction application form to be inquired and the weight edge between any two transaction application forms;
determining a preset transaction request form positioned at the other end of the weight edge corresponding to the transaction request form to be inquired;
two ends of each weight edge are respectively provided with a transaction application form, the transaction application forms at the two ends of the weight edge correspond to the weight edge, and for example, the weight edges corresponding to the transaction application forms B and C at the two ends of the weight edge a are the weight edge a. Of course, each transaction application form may be located at one end of different weight edges, so each transaction application form may correspond to one or more weight edges, and therefore, a plurality of preset transaction application forms may also correspond.
And determining the target transaction application form according to the preset transaction application form.
The method comprises the steps of determining a weight edge corresponding to a transaction application form to be inquired (the weight edge is the weight edge corresponding to the transaction application form which is just the same as the transaction information of the transaction application form to be inquired in an application form association network or the weight edge corresponding to the transaction application form which has the highest similarity with the transaction information of the transaction application form to be inquired in the application form association network) through the transaction information of the transaction application form to be inquired and a weight edge between any two transaction application forms, and then determining a preset transaction application form at the other end of the weight edge corresponding to the transaction application form to determine the target transaction application form to be quickly positioned according to the preset transaction application form.
Of course, if there are a plurality of preset transaction application forms, that is, there are also a plurality of weight edges corresponding to the transaction application form to be queried, the weight edge with the highest sum of basic weight values is selected from the weight edges corresponding to the transaction application form to be queried, and then the preset transaction application form located at the other end of the weight edge with the highest sum of basic weight values is used as the target transaction application form.
And if only one preset transaction application form is available, the preset transaction application form is the target transaction application form.
In one embodiment, the method further comprises:
traversing each path from the transaction request form to be inquired to the target transaction request form;
screening out a target path with the maximum sum of the basic weight values from the transaction request form to be inquired to the target transaction request form from the paths according to the basic weight values of the paths; the target path is a complete path from the transaction application form to be queried to the target transaction application form, for example: if the sum of the basic weight values of the path A-C and the path C-B is greater than the sum of the basic weight values of the path A-D, the path D-E and the path E-B, the target path is the path A-C-B.
And determining the target path with the maximum sum of the basic weight values as the path with the maximum influence on the to-be-inquired transaction application form in the application form association network.
Through traversing each path from the to-be-inquired transaction application form to the preset transaction application form, the basic weight values can be summed according to the basic weight values of each path, and then the weight value sums are sequentially arranged from high to low, so that the independent and complete target path with the maximum basic weight value sum from the to-be-inquired transaction application form to the target transaction application form can be screened out from each path, and then the target path with the maximum basic weight value sum is determined as the path with the maximum influence on the to-be-inquired transaction application form in the application form association network, so that the searching accuracy and the searching efficiency of the path with the maximum influence on a certain transaction application form are improved.
Of course, the basic weight values of the paths may be arranged in order from large to small without summing up the basic weight values, and then the path with the largest basic weight value is directly used as the path with the largest influence on the transaction application form to be queried, for example: in five paths from the node A to the node B, namely A-C, C-B, A-D, D-E and E-B, if the basic weight value of the path C-B is the maximum, the path C-B is the path which has the largest influence on the transaction request form to be inquired. The skilled person can freely select either of the above two ways to determine the path having the greatest influence on the transaction application form to be queried.
In one embodiment, the screening out, from the paths, a target path with a largest sum of the basic weight values from the to-be-queried transaction application form to the target transaction application form according to the basic weight value of each path includes:
determining the sum of the basic weight values of all independent paths from the transaction request form to be inquired to the target transaction request form according to the following formula and the basic weight values of all paths;
Figure GDA0002834688290000101
wherein,
Figure GDA0002834688290000102
a sum of basic weight values, w (l), representing the ith independent path from the to-be-queried transaction request form to the target transaction request formik) The basic weight value of a kth path in an ith independent path from the to-be-inquired transaction application form to the target transaction application form is represented, and n represents the number of paths in the ith independent path from the to-be-inquired transaction application form to the target transaction application form;
for example: the transaction node corresponding to the transaction application form to be inquired is a node A, the transaction node corresponding to the target transaction application form is a node B, and if the paths from the node A to the node B (namely the paths from the transaction application form to be inquired to the target transaction application form) are respectively A-C, C-B, A-D, D-E and E-B, the independent paths from the transaction application form to be inquired to the target transaction application form are respectively A-C-B and A-D-E-B. Correspondingly, the paths in the independent paths A-C-B are two paths A-C and C-B, and the paths in the independent paths A-D-E-B are three paths A-D, D-E and E-B. And the sum of the basic weight values of the independent paths A-C-B is the sum of the basic weight values of the paths A-C and the basic weight values of the paths C-B, and the sum of the basic weight values of the independent paths A-D-E-B is the sum of the basic weight values of the paths A-D, the basic weight values of the paths D-E and the basic weight values of the paths E-B.
Determining the target path according to the following formula and the sum of the basic weight values of all the independent paths;
Figure GDA0002834688290000103
where L is the target path, max represents taking the maximum value, LjAnd the independent path with the maximum sum of basic weight values in the n independent paths from the transaction application form to be inquired to the target transaction application form is represented.
By adopting the technical scheme to confirm the target path, the independent path with the largest sum of basic weight values can be automatically screened out from all paths from the to-be-inquired transaction request form to the target transaction request form to serve as the target path, the whole process is closely related to the basic weight values of all paths, other factors do not need to be added, the target performance is high, and the result is accurate.
In one embodiment, the method further comprises:
carrying out first marking on the target transaction application form in the application form association network;
and carrying out second marking on a target path with the maximum sum of the basic weight values from the to-be-inquired transaction request form to the target transaction request form. Of course, if the path with the maximum basic weight value from the to-be-queried transaction request form to the target transaction request form is directly used as the path with the maximum influence on the to-be-queried transaction request form, the labeled object of the second label is the path with the maximum basic weight value.
By the first mark and the second mark, the transaction application form with the strongest correlation with the transaction application form to be inquired and the specific path with the largest influence on the transaction application form to be inquired can be clearly determined, so that financial fraud formed by correlated transactions can be traced, and the financial fraud can be effectively prevented. Finally, it is clear that: the above embodiments can be freely combined by those skilled in the art according to actual needs.
The technical solution of the present invention will be further explained in detail below:
calculating the maximum weight path is divided into three stages as shown in fig. 2:
stage one: newly added base data forming network
Inserting related application information of transaction into network as node
Establishing edges among different nodes according to the relation of the transaction information;
the method takes the application single node as the center, and each application single node is associated with the relationship edge through the related application information node
Setting a base weight value for each type of relationship
And a second stage: calculating and generating weight edges
Finding out the reachable historical application single node of the newly added application single node through the incidence relation
Every two traverse all paths (namely relationship edges) between the application single nodes, and the sum of the basic weight values of all the paths is the weight between the application sheets.
Establishing a weight edge (virtual, straight line, weight value of the weight edge is the sum of basic weight values of all paths between the two application forms) between the two application forms, expressing the weight between the two application forms, wherein the higher the weight is, the closer the association relationship between the two application forms is
And a third stage: computing maximum weight paths
Query application form A related network graph
Finding a weight edge of a maximum weight value associated with an application sheet A in a graph
Through the weight edge of the maximum weight value associated with the application form A, the historical application form B with the highest association degree with the application form A can be found
In particular, all relationship edges of the application form A, B are traversed to find A, B all paths reachable through multiple relationship edges
The weight values of the paths are: maximum base weight values for all relationship edges on a path
Finding the path of the maximum weight value and marking
Historical application forms with the greatest influence on the application forms and the association relations with the greatest influence can be visually seen through the marks, so that financial transactions with the tightest relations can be efficiently and quickly found in a complicated network diagram, and information and relations with the highest influence on the financial transactions and the information and relations can be efficiently and quickly found.
Other embodiments of the invention will be apparent to those skilled in the art from consideration of the specification and practice of the invention disclosed herein. This application is intended to cover any variations, uses, or adaptations of the invention following, in general, the principles of the invention and including such departures from the present disclosure as come within known or customary practice within the art to which the invention pertains. It is intended that the specification and examples be considered as exemplary only, with a true scope and spirit of the invention being indicated by the following claims.
It will be understood that the invention is not limited to the precise arrangements described above and shown in the drawings and that various modifications and changes may be made without departing from the scope thereof. The scope of the invention is limited only by the appended claims.

Claims (4)

1. A method for determining a request form based on an associated network is characterized by comprising the following steps:
establishing an application form association network according to the transaction information of a plurality of transaction application forms; the method comprises the following steps: taking each transaction application form in the transaction application forms as a transaction node; establishing a path between the transaction request forms according to the relationship between the transaction information of the transaction nodes; establishing the application form association network according to the established path among the transaction application forms;
calculating the sum of basic weight values of all paths formed between any two transaction application forms in the application form association network; the method comprises the following steps: traversing all paths between any two transaction application forms; determining a basic weight value of each path in all paths between any two transaction application forms; summing the basic weight values of all paths between any two transaction application forms to calculate the sum of the basic weight values of all paths between any two transaction application forms;
determining a weight edge between any two transaction application forms according to the sum of basic weight values of all paths formed between any two transaction application forms, wherein the weight edge between any two transaction application forms is used for representing the association degree between any two transaction application forms; the arbitrary two transaction application forms are respectively positioned at two ends of the weight edge between the arbitrary two transaction application forms;
determining a target transaction application form which has the greatest influence on the transaction application form to be inquired from the application form association network according to the transaction information of the transaction application form to be inquired and the weight edge between any two transaction application forms; the method comprises the following steps: determining a weight edge corresponding to the transaction application form to be inquired according to the transaction information of the transaction application form to be inquired and the weight edge between any two transaction application forms; determining a preset transaction request form positioned at the other end of the weight edge corresponding to the transaction request form to be inquired; determining the target transaction application form according to the preset transaction application form; traversing each path from the transaction request form to be inquired to the target transaction request form; screening out a target path with the maximum sum of the basic weight values from the transaction request form to be inquired to the target transaction request form from the paths according to the basic weight values of the paths; and determining the target path with the maximum sum of the basic weight values as the path with the maximum influence on the to-be-inquired transaction application form in the application form association network.
2. The method of claim 1, further comprising:
and determining the basic weight value of the path between the transaction request forms according to the relationship between the transaction information of the transaction nodes.
3. The method of claim 1, further comprising:
carrying out first marking on the target transaction application form in the application form association network;
and carrying out second marking on a target path with the maximum sum of the basic weight values from the to-be-inquired transaction request form to the target transaction request form.
4. The method of claim 1,
the screening out a target path with the maximum sum of the basic weight values from the to-be-queried transaction request form to the target transaction request form according to the basic weight values of the paths includes:
determining the sum of the basic weight values of all independent paths from the transaction request form to be inquired to the target transaction request form according to the following formula and the basic weight values of all paths;
Figure FDA0002834688280000021
wherein,
Figure FDA0002834688280000023
a sum of basic weight values, w (l), representing the ith independent path from the to-be-queried transaction request form to the target transaction request formik) The basic weight value of a kth path in an ith independent path from the to-be-inquired transaction application form to the target transaction application form is represented, and n represents the number of paths in the ith independent path from the to-be-inquired transaction application form to the target transaction application form;
determining the target path according to the following formula and the sum of the basic weight values of all the independent paths;
Figure FDA0002834688280000022
where L is the target path, max represents taking the maximum value, LjAnd the independent path with the maximum sum of basic weight values in the i independent paths from the transaction application form to be inquired to the target transaction application form is represented.
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