CN111008894B - Bank customer information period reminding control method and device - Google Patents
Bank customer information period reminding control method and device Download PDFInfo
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- CN111008894B CN111008894B CN201911190894.4A CN201911190894A CN111008894B CN 111008894 B CN111008894 B CN 111008894B CN 201911190894 A CN201911190894 A CN 201911190894A CN 111008894 B CN111008894 B CN 111008894B
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Abstract
The invention provides a method and a device for controlling periodic reminding of bank customer information, wherein the method comprises the following steps: obtaining a parameter control file, wherein the parameter control file comprises preset controlled transaction parameters; checking the transaction information of the upper delivery transaction and the upper delivery transaction system according to the parameter control file; after checking and determining that the uploading transaction is a period reminding controlled transaction, calculating whether a period of client information reminding is reached or not according to the parameter control file and the client information of the uploading transaction; and after the client information reminding period is determined to be reached, a client information confirmation reminding is sent out. The parameterization of the periodic reminding control of the bank customer information is realized, when the control range and the mode are changed, the parameterization is not needed to be realized by modifying codes, the requirement of the dynamic control of the business can be met, and the method has strong flexibility and multiple functions; the requirement of the cross-bank transaction control of the current banking system is met, new program development is not needed, the later maintenance cost is low, and the maintainability is high.
Description
Technical Field
The invention relates to the technical field of bank customer information processing, in particular to a bank customer information period reminding control method and device.
Background
A large amount of customer information is stored in a banking system, which mainly comprises: customer type, name, certificate type, number, child relationship, risk level, etc. The risk level of the client is classified into A, B, C, D, E, F six gradually increased risk levels according to national relevant regulations and the risk level of the client in the bank credibility judgment, for example, if the client is out of trust, the client risk level of the client is high. However, the client information is not valid for a long time, but has a client information period, namely the validity period of the client information mainly means that the client information is valid in a certain validity period, and after the validity period expires, the bank can remind the client to carry out information confirmation again, and the client enters the next client information period after confirmation.
In a banking system, due to the consideration of supervision requirements and banking risks, a banking party periodically checks customer information, and if the certificate of a customer is checked to be out of date or the customer risk level is increased, the customer is reminded when performing financial activities at the moment, and is required to update or complement the customer information, and the reminding is used for prompting the customer or a business party, so that financial services are not interrupted.
The conventional bank customer information period reminding control method writes control logic in different application codes, and once the control range and the control mode are changed, the control logic is needed to be modified to realize the control, so that the requirements of service dynamic control cannot be met, the flexibility is poor, the function is single, the requirements of the current bank system on more and more complex cross-line transaction control cannot be met, the later maintenance cost is high, and the maintainability is poor.
Disclosure of Invention
The embodiment of the invention provides a bank customer information period reminding control method, which is used for meeting the requirement of service dynamic control, enhancing flexibility and realizing parameterized driving, and comprises the following steps:
obtaining a parameter control file, wherein the parameter control file comprises preset controlled transaction parameters;
checking the transaction information of the upper delivery transaction and the upper delivery transaction system according to the parameter control file;
after checking and determining that the uploading transaction is a period reminding controlled transaction, calculating whether a period of client information reminding is reached or not according to the parameter control file and the client information of the uploading transaction;
and after the client information reminding period is determined to be reached, a client information confirmation reminding is sent out.
The embodiment of the invention also provides a bank customer information period reminding control device, which is used for meeting the requirement of service dynamic control, enhancing flexibility and realizing parameterization driving, and comprises the following steps:
the control parameter acquisition module is used for acquiring a parameter control file, wherein the parameter control file comprises preset controlled transaction parameters;
the controlled transaction confirmation module is used for checking the transaction information of the upper delivery transaction and the upper delivery transaction system according to the parameter control file;
the client information reminding period calculation module is used for calculating whether the client information reminding period is reached or not according to the parameter control file and the client information of the uploading transaction after checking and determining that the uploading transaction is the period reminding controlled transaction;
and the client information confirmation reminding module is used for sending out client information confirmation reminding after the client information reminding period is determined to be reached.
The embodiment of the invention also provides computer equipment, which comprises a memory, a processor and a computer program stored on the memory and capable of running on the processor, wherein the processor realizes the bank client information cycle reminding control method when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium which stores a computer program for executing the bank client information period reminding control method.
In the embodiment of the invention, the transaction information of the up-delivery transaction and the up-delivery transaction system are checked according to the parameter control file by obtaining the parameter control file; after checking and determining that the uploading transaction is the periodic reminding controlled transaction, calculating whether the client information reminding period is reached according to the parameter control file and the client information of the uploading transaction, so that the parameterization of the periodic reminding control of the bank client information is realized, when the control range and the mode are changed, the parameterization is realized without modifying codes, the requirement of service dynamic control can be met, and the flexibility is strong and the functions are various; the method can meet the requirements of the current banking system on more and more complex cross-bank transaction control, the control range and mode can be changed by modifying the parameter data in the parameter control file, and new program development is not needed, so that the later maintenance cost is low, and the maintainability is strong.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings required for the description of the embodiments will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
Fig. 1 is a schematic diagram of a method for controlling periodic reminding of bank client information according to an embodiment of the present invention.
FIG. 2 is a flow chart illustrating the implementation of step 102 in an embodiment of the present invention.
FIG. 3 is a schematic diagram of a method for implementing step 103 in an embodiment of the present invention.
Fig. 4 is a schematic diagram of a device for controlling periodic reminding of bank client information according to an embodiment of the invention.
Detailed Description
The following description of the embodiments of the present invention will be made clearly and completely with reference to the accompanying drawings, in which it is apparent that the embodiments described are only some embodiments of the present invention, but not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.
In embodiments of the invention, the transaction may be, for example, an operational action occurring within a banking system.
The risk level of the customer can be, for example, the risk level of the bank according to the relevant national regulations and the judgment of the customer on the honest behavior of the bank, for example, the risk level can be divided into A, B, C, D, E, F six gradually-increased risk levels, of course, the risk levels of other numbers and other rules can be set according to the requirements, and the rules can be, for example, if the customer is out of trust, the customer risk level of the customer is high, and the like.
The customer information may be, for example, customer-related information that the customer retains at the bank, and may include, for example: customer number, customer type, name, gender, age, contact phone, nationality, creation date, certificate type, certificate number, current work unit/reading school, industry of unit, local living situation, home address, postal code, ethnicity, location of household, monthly income situation, credit rating, customer risk level, etc.; if the customer is a non-personal customer, it may also include, for example, legal representative license types and numbers, business properties, business credit ratings, camping business, whether to market, stock codes, financial responsible party information, and the like.
Customer information period: for example, the validity period of the client information may be a validity period of the client information, which mainly means that the client information is valid within a certain validity period, and after the validity period expires, the client information is invalid, and the bank can remind the client to carry out information confirmation again, and the client enters the next client information period after confirmation.
Customer information cycle alert confirmation (simply referred to as customer information cycle alert): for example, in a banking system, due to consideration of supervision requirements and bank risks, a banking party periodically checks customer information, and if it is checked that credentials of a customer expire or a customer risk level rises, the customer performs a reminder to prompt the customer or a business party to update or complement the customer information without interrupting financial services when performing a financial activity.
In order to solve the problems that the existing method for controlling the periodic reminding of the bank client information writes control logic in different application codes, and once the control range and mode change, the control logic needs to be modified to realize the control, the requirements of service dynamic control cannot be met, the flexibility is poor, and the function is single, the embodiment of the invention provides the method for controlling the periodic reminding of the bank client information, which is used for meeting the requirements of service dynamic control, enhancing the flexibility and realizing parameterization driving, as shown in fig. 1, and comprises the following steps:
step 101: obtaining a parameter control file, wherein the parameter control file comprises preset controlled transaction parameters;
step 102: checking the transaction information of the upper delivery transaction and the upper delivery transaction system according to the parameter control file;
step 103: after checking and determining that the uploading transaction is a period reminding controlled transaction, calculating whether a period of client information reminding is reached or not according to the parameter control file and the client information of the uploading transaction;
step 104: and after the client information reminding period is determined to be reached, a client information confirmation reminding is sent out.
As can be seen from the flow shown in fig. 1, in the embodiment of the present invention, by obtaining a parameter control file, according to the parameter control file, checking the transaction information of the up-delivery transaction and the up-delivery transaction system; after checking and determining that the uploading transaction is the periodic reminding controlled transaction, calculating whether the client information reminding period is reached according to the parameter control file and the client information of the uploading transaction, so that the parameterization of the periodic reminding control of the bank client information is realized, when the control range and the mode are changed, the parameterization is realized without modifying codes, the requirement of service dynamic control can be met, and the flexibility is strong and the functions are various; the method can meet the requirements of the current banking system on more and more complex cross-bank transaction control, the control range and mode can be changed by modifying the parameter data in the parameter control file, and new program development is not needed, so that the later maintenance cost is low, and the maintainability is strong.
In specific implementation, a parameter control file is firstly acquired, wherein the parameter control file comprises preset controlled transaction parameters. The preset controlled transaction parameters include, for example: a preset transaction information parameter of the controlled transaction, a preset controlled transaction system parameter, a preset customer information parameter of the controlled transaction, a preset customer information reminding period parameter and the like. The transaction information parameters of the preset controlled transaction include, for example: a transaction code of a preset controlled transaction and/or a transaction category of the preset controlled transaction. It will be appreciated by those skilled in the art that the above-mentioned preset controlled transaction parameters are merely examples, and the controlled transaction parameters may be added, deleted or modified according to actual needs, which will not be repeated herein.
After the parameter control file is obtained, the transaction information of the up-delivery transaction and the up-delivery transaction system are checked according to the parameter control file, and a specific flowchart of a specific embodiment is shown in fig. 2, and includes:
step 201: checking transaction information of the up-feed transaction;
if the checking result is uncontrolled, go to step 202; if the checking result is controlled, executing step 203;
step 202: the client information period reminding control is not carried out;
step 203: checking the upper delivery system;
if the checking result is that the need for exemption is detected, executing step 202; if the checking result is that the exemption is not needed, executing step 204;
step 204: the upload transaction is a periodic reminder controlled transaction, and subsequent steps are performed.
Firstly, step 201 is executed, and transaction information of the up-feed transaction is checked according to the parameter control file, which may include:
checking whether the transaction code of the sent transaction is the preset transaction code of the controlled transaction according to the parameter control file;
and/or checking whether the transaction category of the uploading transaction is the transaction category of the preset controlled transaction according to the parameter control file.
The transaction category is used to identify the type of current transaction, including, for example, a ledger-type transaction, a query-type transaction, etc. In a specific embodiment, for example, a transaction code of a preset controlled transaction and/or a transaction category of the preset controlled transaction may be pre-stored in a parameter file f0 (Key-Value type file), for example, the transfer transaction needs to be reminded, and transaction code data corresponding to the transfer transaction is pre-input into a list corresponding to the transaction code of the preset controlled transaction in the parameter file f 0; and identifying that the borrower is invalid and prompting is needed for the dynamic account transaction, and if the inquiry transaction does not need prompting, transaction category data corresponding to the dynamic account transaction in which the borrower is invalid is input into a transaction category of a preset controlled transaction in the parameter file f0 in advance. And checking transaction information of the up-feed transaction according to the parameter file f 0.
If the result of the check in step 201 is uncontrolled, step 202 is executed;
if the result of the check in step 201 is controlled, step 203 is executed, and the specific implementation may be:
and checking whether the upper delivery transaction system is a transaction system needing exemption period reminding according to the parameter control file. The transaction system needing the exemption period reminding is stored in the parameter control file in advance as a preset controlled transaction system parameter, and whether the upper delivery transaction system is the transaction system needing the exemption period reminding can be judged only by judging whether the upper delivery transaction system is in the preset controlled transaction system parameter. The delivery system is a channel for delivering the transaction, and comprises a counter system, an internet banking system, a mobile banking system and the like. In a specific embodiment of the present invention, for example, the preset controlled transaction system parameters are stored in the parameter file f0 in advance, for example, the payment operation sent by the online banking system does not need to be reminded, and the payment operation sent by the counter system needs to be reminded, so that the transaction system data corresponding to the counter system is stored in the list corresponding to the preset controlled transaction system parameters in the parameter file f0 in advance, so as to check the online transaction system according to the parameter file f 0.
If the checking result in the step 203 is that the exemption is needed, executing the step 202;
if the determination in step 203 is that no exemption is needed, step 204 is performed.
It will be understood by those skilled in the art that the foregoing transaction code of the preset controlled transaction, the transaction type of the preset controlled transaction, and the parameters of the preset controlled transaction system are merely examples, and may be added, modified or deleted according to the needs of the banking system when implemented, which fall within the protection scope of the present invention and are not repeated in the embodiments. The storage mode of the preset transaction code of the controlled transaction, the preset transaction type of the controlled transaction and the preset controlled transaction system parameter is just an example, and the mode of the parameter file f0 can also be a database or the like, which is not repeated here.
There is no specific order in which to check the transaction information of the up-delivery transaction and the up-delivery transaction system, for example, in another embodiment of the present invention, the up-delivery transaction system may be checked first, and then the transaction information of the up-delivery transaction may be checked. Firstly, executing the step 203, and executing the step 202 if the checking result is that the exemption is needed; if the checking result is that no exemption is needed, executing step 201; if the checking result is uncontrolled, go to step 202; if the check result is controlled, step 204 is performed.
After checking and determining that the uploading transaction is a period reminding controlled transaction, calculating whether a period of client information reminding is reached or not according to the parameter control file and the client information of the uploading transaction. The specific implementation method comprises the following steps:
in one embodiment, according to the parameter control file and the client information of the upload transaction, calculating whether the client information reminding period has arrived may include: after determining that the client state is the preset state in the parameter control file, calculating whether the client information reminding period is reached.
If the client state is a non-preset state, prompting and tripping out control are not needed; if the client state is the preset state, calculating whether a client information reminding period is reached; if the client information reminding period does not arrive, reminding is not needed, and the control is performed; and if the client information reminding period is reached, sending a client information confirmation reminding.
In another embodiment, calculating whether the client information reminding period has arrived according to the parameter control file and the client information of the upload transaction may include: after determining that the client type is the preset type in the parameter control file, calculating whether a client information reminding period is reached.
If the client type is a non-preset type, prompting and tripping out control are not needed; if the client state is a preset type, reading a parameter control file, logically detecting the client information according to the client type, and if the detection result is that the detection is unqualified, sending a client information confirmation prompt; if the detection result is that the detection is qualified, calculating whether a client information reminding period is reached; if the client information reminding period does not arrive, reminding is not needed, and the control is performed; and if the client information reminding period is reached, sending a client information confirmation reminding.
In still another embodiment, calculating whether the client information reminding period has arrived according to the parameter control file and the client information of the upload transaction may include: and calculating whether the reminding period of the client information is reached according to the current transaction day, the last reminding day and the reminding period of the corresponding risk level of the client of the uploading transaction.
And according to the subtraction of the current transaction day and the last reminding day of the up-going transaction, comparing the obtained time difference with the reminding period of the corresponding risk level of the client, and judging whether the client information reminding period is reached. If the client information reminding period does not arrive, reminding is not needed, and the control is performed; and if the client information reminding period is reached, sending a client information confirmation reminding.
It can be understood by those skilled in the art that, according to the parameter control file and the client information of the upload transaction, the three calculation control principles can be considered separately to calculate whether the client information reminding period has arrived: after determining that the client state is a preset state in the parameter control file, calculating whether a client information reminding period is reached or not; after determining that the client type is a preset type in the parameter control file, calculating whether a client information reminding period is reached or not; calculating whether a client information reminding period is reached according to the current transaction day, the last reminding day and the reminding period of the corresponding risk level of the client of the uploading transaction; any combination of these three calculation control principles, for example, any two combinations or three combinations, may be used, and will not be described in detail herein. For example, the embodiment shown in fig. 3, takes into account all three of the computational control principles described above.
The specific implementation process is shown in fig. 3, and comprises the following steps:
step 301: judging whether the client state is a preset state or not;
if the judgment result in the step 301 is no, no reminding is needed, and the control is jumped out; if the determination result in step 301 is yes, step 302 is executed;
step 302: reading the client type;
step 303: reading a parameter control file, and logically detecting client information according to the client type;
if the detection result in the step 303 is that the detection is not qualified, executing a step 304; if the detection result in step 303 is that the detection is qualified, step 305 is executed;
step 304: returning a client information period reminding mark;
step 305: acquiring a reminding period corresponding to the current risk level according to a preset client information reminding period parameter;
step 306: calculating the current information confirmation time length;
step 307: comparing the reminding period with the current information confirmation time length, and judging whether the client information reminding period is reached;
if the judgment result in the step 307 is not reached, the control is jumped out without reminding; if the result of the determination in step 307 is reached, step 304 is performed.
The specific flow is as follows:
step 301 is executed, and if the judgment result is negative, no reminding is needed, and the control is jumped out; if yes, executing step 302; for example, if the preset status may be normal, the client status is abnormal, for example, the client status is a user or a temporary client, and the client status is normal, and the step 302 is continuously executed;
step 302 and step 303 are executed, according to the client type in the client information of the up-send transaction, the client information parameter of the preset controlled transaction corresponding to the client type in the parameter control file is read, and the client information of the current up-send transaction is logically detected, so that a detection result is obtained;
in a specific embodiment, the customer information parameters of the controlled transaction include, for example, preset customer information detection parameters of different types of customers. The customers of the banking system may be classified into individual customers, enterprise customers and financial customers according to types, and customer information detection parameters of different types of customers are different, for example, for the individual customers, the customer information is aged 16 years, if the certificate type is a household account, and a prompt is required, logic judgment corresponding to the detection information is stored in advance in preset customer information detection parameters of the individual customers, and in a specific embodiment, the preset customer information detection parameters of the individual customers may be stored in a parameter file f1, for example; for the enterprise client, if the enterprise credit rating in the client information is a believable enterprise and needs to be reminded, the logic judgment corresponding to the detection information is pre-stored in the preset client information detection parameters of the enterprise client, and in a specific embodiment, the preset client information detection parameters of the enterprise client can be stored in a parameter file f2, for example; for the financial client, if the certificate type and the certificate number in the client information are missing and need to be reminded, the logic judgment corresponding to the detection information is stored in the preset client information detection parameters of the financial client in advance, and in a specific embodiment, the preset client information detection parameters of the financial client can be stored in the parameter file f3, for example. In order to facilitate data storage, in particular embodiments, the parameter files f1, f2, f3 may each be, for example, a Key-Value type file. It can be understood by those skilled in the art that the specific data content included in the preset customer information detection parameter of the individual customer, the preset customer information detection parameter of the enterprise customer, and the preset customer information detection parameter of the financial customer are only examples, so as to better understand the present invention, and not to limit the present invention, and the data content included in the later stage can be added, modified, and deleted according to the actual requirement, which all fall into the protection scope of the present invention, and are not repeated in the embodiments. The Key-Value type parameter file may be stored as an example, or may be stored as a database, etc., and will not be described here.
If the detection result in the step 303 is that the detection is not qualified, executing a step 304;
if the detection result in the step 303 is qualified, step 305, step 306, step 307 are executed, the determination result in the step 307 is reached, and step 304 is executed; if the result of the determination in step 307 is not reached, no reminder is required.
The current information confirmation time length is, for example, a time difference between a current transaction day and a last client information confirmation day, namely: current information confirmation time = current transaction day-last customer information confirmation day.
The reminding period is a preset client information reminding period in the bank system according to different client risk levels, for example, when the client risk level is a, the corresponding client information period is 1825 days, about 5 years, and in a specific embodiment, the preset client information periods corresponding to different client risk levels can be stored in the parameter file f4 in advance in a preset client information reminding period parameter form, so as to be updated later. The principles of comparison include, for example:
the current information confirmation time length is more than or equal to the reminding period corresponding to the client risk level, and the client information reminding period is reached;
and if the current information confirmation time is less than the reminding period corresponding to the client risk level, the client information reminding period does not arrive.
And after the client information reminding period is determined to be reached, a client information confirmation reminding is sent out. In order to quickly and conveniently send a client information confirmation prompt to a client, the method comprises the following steps:
and determining a mode for sending out the client information confirmation prompt according to the type of the up-delivery transaction system.
In specific implementation, a plurality of up-delivery-exchange systems in a banking system, such as a counter system, an internet banking system, a mobile banking system, a three-party payment system and the like, determine different ways of sending client information confirmation reminding according to different up-delivery-exchange systems. For example, when the up-delivery system is a counter system, the counter may be directly notified to the customer and the counter may guide the customer to reconfirm the customer information; when the up-delivery transaction system is a three-party payment system, a mode of reminding a customer of going to a counter for customer information reconfirmation is adopted by adopting a short message notification reminding mode after transaction is completed. Those skilled in the art can understand that the above reminding manner is only an example, and the manner of sending the client information confirmation reminding is adaptively determined according to the delivery system, which falls into the protection scope of the present invention and is not repeated herein.
Based on the same inventive concept, the embodiment of the invention also provides a bank client information period reminding control device, and because the principle of the problem solved by the bank client information period reminding control device is similar to that of the bank client information period reminding control method, the implementation of the bank client information period reminding control device can refer to the implementation of the bank client information period reminding control method, and the repetition is omitted, and the specific structure is shown in fig. 4:
a control parameter obtaining module 401, configured to obtain a parameter control file, where the parameter control file includes preset controlled transaction parameters;
a controlled transaction confirmation module 402, configured to check the transaction information of the up-delivery transaction and the up-delivery transaction system according to the parameter control file;
the client information reminding period calculating module 403 is configured to calculate whether a client information reminding period has arrived according to the parameter control file and the client information of the upload transaction after checking and determining that the upload transaction is a period reminding controlled transaction;
the client information confirmation reminding module 404 is configured to send a client information confirmation reminding after determining that the client information reminding period has arrived.
In particular embodiments, the controlled transaction validation module 402 is specifically configured to: checking whether the transaction code of the sent transaction is the preset transaction code of the controlled transaction according to the parameter control file;
and/or checking whether the transaction category of the uploading transaction is the transaction category of the preset controlled transaction according to the parameter control file.
In particular implementations, the controlled transaction validation module 402 is also specifically configured to: and checking whether the upper delivery transaction system is a transaction system needing exemption period reminding according to the parameter control file.
In specific implementation, the client information alert period calculation module 403 is specifically configured to: after determining that the client state is the preset state in the parameter control file, calculating whether a client information reminding period is reached.
In specific implementation, the client information alert period calculation module 403 is specifically further configured to: and after determining that the client type is the preset type in the parameter control file, calculating whether a client information reminding period is reached.
In specific implementation, the client information alert period calculation module 403 is specifically further configured to: and calculating whether the reminding period of the client information is reached according to the current transaction day, the last reminding day and the reminding period of the corresponding risk level of the client of the uploading transaction.
In particular implementations, the client information confirmation reminder module 404 is specifically configured to: and determining a mode for sending out the client information confirmation prompt according to the type of the up-delivery transaction system.
The embodiment of the invention also provides computer equipment, which comprises a memory, a processor and a computer program stored on the memory and capable of running on the processor, wherein the processor realizes the bank client information cycle reminding control method when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium which stores a computer program for executing the bank customer information period reminding control method.
In summary, the method and the device for controlling the periodic reminding of the bank client information provided by the invention have the following advantages:
checking the transaction information of the upper delivery transaction and the upper delivery transaction system according to the parameter control file by obtaining the parameter control file; after checking and determining that the uploading transaction is the periodic reminding controlled transaction, calculating whether the client information reminding period is reached according to the parameter control file and the client information of the uploading transaction, so that the parameterization of the periodic reminding control of the bank client information is realized, when the control range and the mode are changed, the parameterization is realized without modifying codes, the requirement of service dynamic control can be met, and the flexibility is strong and the functions are various; the method can meet the requirements of the current banking system on more and more complex cross-bank transaction control, the control range and mode can be changed by modifying the parameter data in the parameter control file, and new program development is not needed, so that the later maintenance cost is low, and the maintainability is strong.
It will be apparent to those skilled in the art that embodiments of the present invention may be provided as a method, apparatus, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above description is only of the preferred embodiments of the present invention and is not intended to limit the present invention, and various modifications and variations can be made to the embodiments of the present invention by those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (5)
1. The bank customer information period reminding control method is characterized by comprising the following steps of:
obtaining a parameter control file, wherein the parameter control file comprises preset controlled transaction parameters, and the preset controlled transaction parameters comprise transaction information parameters of preset controlled transactions, preset controlled transaction system parameters and client information parameters of preset controlled transactions;
checking the transaction information of the up-feed transaction according to the preset transaction information parameters of the controlled transaction, checking whether the up-feed transaction system is a transaction system needing exemption period reminding according to the preset controlled transaction system parameters after the checking result is controlled, and determining that the up-feed transaction is the period reminding controlled transaction after the checking result is that the exemption is not needed;
after the fact that the upper delivery transaction is the periodic reminding controlled transaction is determined, judging whether the client state is a preset state in the parameter control file according to the client information in the upper delivery transaction; the preset state comprises normal and abnormal states;
after the client state is determined to be normal, logically detecting the client information of the up-hand transaction according to the preset client information parameters of the controlled transaction;
after the detection result is qualified, calculating whether a customer information reminding period is reached according to the parameter control file and the customer information of the uploading transaction;
after the client information reminding period is determined to be reached, a client information confirmation reminding is sent out;
wherein, according to the transaction information parameter of the controlled transaction of presetting, check the transaction information of the up-feed transaction, include:
checking whether the transaction code of the uploading transaction is the transaction code of the preset controlled transaction according to the transaction information parameters of the preset controlled transaction;
and/or checking whether the transaction category of the uploading transaction is the transaction category of the preset controlled transaction according to the transaction information parameters of the preset controlled transaction;
logically detecting the customer information of the up-hand transaction according to the preset customer information parameters of the controlled transaction, including:
reading the client types in the client information sent up, wherein the client types comprise personal clients, enterprise clients and financial clients;
according to the client type of the uploading transaction, determining a parameter file corresponding to the client type, wherein the parameter file stores preset client information detection parameters, and the parameter files are key value pair type files;
logically detecting the customer information of the up-delivery transaction by using a parameter file corresponding to the customer type;
according to the parameter control file and the client information of the uploading transaction, calculating whether a client information reminding period is reached or not comprises the following steps:
calculating whether a client information reminding period is reached according to the current transaction day, the last reminding day and the reminding period of the corresponding risk level of the client of the uploading transaction; wherein, clients with different risk levels have different client information reminding periods.
2. The method of claim 1, wherein issuing a customer information confirmation reminder comprises:
and determining a mode for sending out the client information confirmation prompt according to the type of the up-delivery transaction system.
3. A bank customer information period reminding control device, comprising:
the control parameter acquisition module is used for acquiring a parameter control file, wherein the parameter control file comprises preset controlled transaction parameters, and the preset controlled transaction parameters comprise preset transaction information parameters of controlled transaction, preset controlled transaction system parameters and preset customer information parameters of controlled transaction;
the controlled transaction confirmation module is used for checking the transaction information of the up-feed transaction according to the preset transaction information parameters of the controlled transaction, checking whether the up-feed transaction system is a transaction system needing exempt period reminding according to the preset controlled transaction system parameters after the checking result is controlled, and determining that the up-feed transaction is the period reminding controlled transaction after the checking result is that the exempt is not needed;
the client information reminding period calculation module is used for judging whether the client state is a preset state in the parameter control file according to the client information in the up-delivery transaction after determining that the up-delivery transaction is the period reminding controlled transaction; the preset state comprises normal and abnormal states; after the client state is determined to be normal, logically detecting the client information of the up-hand transaction according to the preset client information parameters of the controlled transaction; after the detection result is qualified, calculating whether a customer information reminding period is reached according to the parameter control file and the customer information of the uploading transaction;
the client information confirmation reminding module is used for sending a client information confirmation reminding after the client information reminding period is confirmed to be reached;
the controlled transaction confirmation module is specifically configured to: checking whether the transaction code of the sent transaction is the preset transaction code of the controlled transaction according to the parameter control file;
and/or checking whether the transaction category of the uploading transaction is the transaction category of the preset controlled transaction according to the parameter control file;
the client information reminding period calculating module is specifically used for:
reading the client types in the client information sent up, wherein the client types comprise personal clients, enterprise clients and financial clients;
according to the client type of the uploading transaction, determining a parameter file corresponding to the client type, wherein the parameter file stores preset client information detection parameters, and the parameter files are key value pair type files;
logically detecting the customer information of the up-delivery transaction by using a parameter file corresponding to the customer type;
calculating whether a client information reminding period is reached according to the current transaction day, the last reminding day and the reminding period of the corresponding risk level of the client of the uploading transaction; wherein, clients with different risk levels have different client information reminding periods.
4. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the method of any of claims 1 to 2 when executing the computer program.
5. A computer readable storage medium, characterized in that the computer readable storage medium stores a computer program for executing the method of any one of claims 1 to 2.
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| CN113839855B (en) * | 2021-09-22 | 2023-03-24 | 武汉夜莺科技有限公司 | Session reminding method, device and storage medium |
| CN115482006A (en) * | 2022-09-23 | 2022-12-16 | 中国银行股份有限公司 | Customer transaction management method and device |
| CN115564589A (en) * | 2022-11-04 | 2023-01-03 | 平安银行股份有限公司 | A management method, system, equipment and storage medium for a tripartite depository account |
| CN116863608A (en) * | 2023-06-13 | 2023-10-10 | 中国银行股份有限公司 | Bank card self-service card opening system |
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