TWI780427B - Account cash flow analysis and warning system and method thereof - Google Patents

Abstract

An account cash flow analysis and warning system and a method are provided. Transaction frequency, transaction amount, and total number of trading accounts of bank account information and merchant account information are analyzed to set transaction type, transaction identity, number of abnormal transactions, and account usage and set trust score, abnormal score, and usage score which are correspondence with transaction type, transaction identity, number of abnormal transactions, and account usage respectively by an analysis server. Difference between the capital entry and the capital outflow of the bank account and the average balance of the bank account are analyzed to set rating of bank account by the analysis server. Trust score of transaction type, transaction frequency, transaction amount, and trading account is inquired according to transfer-out account and transfer-in account and account score, anomaly score, and usage score is inquired according to transfer-out account and transfer-in account by the analysis server. All of trust scores, account score, anomaly score and usage score which are inquired are summed to calculate total score of transaction by the analysis server. Warning information is generated according to total score of transaction by the analysis server. The warning information is transferred to client device from the analysis server. Therefore, the efficiency of providing account cash flow analysis and warning may be achieved.

Description

Account cash flow analysis and warning system and method

An account cash flow analysis and warning system and its method, especially an account gold flow analysis and warning system and its method.

With the popularization of automated transactions, the vigorous development of e-commerce and the prevalence of individual merchants, in addition to bringing business opportunities, it also brings crises, because a little carelessness in the convenience of transfers may cause monetary losses.

Therefore, if there is a system that can classify according to the cash flow status of the account, when the customer transfers to the counterparty's account, it will immediately give the judgment result of the cash flow status of the other party's account, prompting the risk of the transaction, and provide an extra layer of checks for the customer , To avoid the customer's monetary loss; if the transaction is necessary, the bank can also provide insurance advice, and even develop new related products, bringing more business opportunities to the bank.

On the other hand, the most common thing that ordinary people encounter is telephone fraud. Through the cash flow monitoring of accounts, transactions suspected of telephone fraud can be found out, and customers can be notified and warned in advance. In the direction of cash flow, the opponent's account is included in the list of suspected fraud, and the frequency is increased Once there is a situation, it will call the police system for further formal investigation and confirmation to achieve the purpose of preventing telephone fraud.

To sum up, it can be seen that there has been a problem in the prior art for a long time that there is no warning of the cash flow in the bank account, so it is necessary to propose an improved technical means to solve this problem.

In view of the problem that the bank account cash flow does not have analysis and warning in the prior art, the present invention discloses an account cash flow analysis and warning system and its method, wherein: the account cash flow analysis and warning system disclosed in the present invention includes: Multiple bank servers, multiple e-commerce platforms, client devices, and analysis servers. The analysis server further includes: receiving module, transaction analysis module, scoring module, query module, calculation module, and generation module and the transfer module.

Each bank server stores multiple bank account information; each e-commerce platform stores multiple merchant account information; the client device provides transfer-out account and transfer-in account during the electronic transaction process, and the client device performs electronic transactions. Receive warning information and give warning during the transaction process.

The receiving module of the analysis server is used to receive the corresponding multiple bank account information from each bank server, receive the corresponding multiple merchant account information from each e-commerce platform, and receive the transfer-out account and transfer-out account information from the client device. into the account; the transaction analysis module of the analysis server analyzes the transaction frequency, transaction amount and total number of transaction objects of the bank account based on the bank account information and merchant account information to analyze the transaction type, transaction identity and abnormal transaction quantity of the bank account And account purpose, and set the transaction type, transaction identity, abnormal transaction quantity and account purpose and the corresponding trust score, abnormal score and use score for the bank account information and merchant account information The scoring module of the analysis server is used to analyze the difference between the fund inflow and outflow of the bank account and the average balance of the bank account to analyze and set the account score of the bank account; the query module of the analysis server is When the receiving module receives the transfer-out account and the transfer-in account, it is used to query the corresponding transaction types, transaction frequency, transaction amount and the trust score of the transaction object according to the transfer-out account and the transfer-in account respectively, and according to the transfer-out account The account score, abnormal score and use score of the corresponding bank account are queried for the account and the transfer-in account; the calculation module of the analysis server is calculated by summing up the queried trust score, account score, abnormal score and use score The total score value of the transaction is obtained; the generation module of the analysis server is used to generate corresponding warning information according to the total score value; and the transmission module of the analysis server is used to send the warning information to the client device.

The account gold flow analysis and warning method disclosed in the present invention includes the following steps: firstly, set up multiple bank servers, and each bank server stores multiple bank account information; then, set up multiple e-commerce platforms, each An e-commerce platform stores multiple merchant account information; then, the analysis server receives corresponding multiple bank account information from each bank server; then, the analysis server receives corresponding multiple merchant accounts from each e-commerce platform information; then, the analysis server analyzes the transaction frequency, transaction amount, and total number of transaction objects of the bank account based on the bank account information and merchant account information to analyze the transaction type, transaction identity, abnormal transaction quantity, and account usage of the bank account, and For bank account information and bank account information of merchant account information, set the transaction type, transaction identity, number of abnormal transactions, and account use and the corresponding trust score, abnormal score, and use score; then, analyze the server's information on the funds entering the bank account and The difference between the outflow of funds and the average balance of the bank account is analyzed to analyze and set the account score of the bank account; then, the client device provides the transfer-out account and the transfer-in account to the analysis server during the electronic transaction process; then, the analysis The server queries the corresponding transaction types according to the transfer-out account and transfer-in account respectively type, transaction frequency, transaction amount, and trust score of the transaction object, as well as query the account score, abnormal score, and use score of the corresponding bank account based on the transfer-out account and the transfer-in account; The total score of the transaction is calculated by adding the trust score, account score, exception score, and use score; then, the analysis server generates corresponding warning information based on the total score; finally, the analysis server sends the warning information to the client device and give a warning.

The system and method disclosed in the present invention are as above, and the difference from the prior art is that the analysis server analyzes and sets the transaction type, transaction frequency, transaction amount, and total number of transaction objects of the bank account based on the bank account information and merchant account information. Identity, number of abnormal transactions and account usage and corresponding trust score, abnormal score and usage score, as well as analyzing the difference between the fund in and out of the bank account and the average balance of the bank account to analyze and set the account score of the bank account, The analysis server inquires the corresponding transaction types, transaction frequency, transaction amount and trust score of the transaction object according to the transfer-out account and transfer-in account, and obtains the account score of the corresponding bank account according to the transfer-out account and transfer-in account , anomaly score and use score, the analysis server will sum up the queried trust score, account score, exception score and use score to calculate the total score of the transaction and generate corresponding warning information to the client device Be warned.

Through the above-mentioned technical means, the present invention can achieve the technical effect of providing bank account cash flow analysis and warning.

10: Bank server

20: E-commerce platform

30: Client device

40: Analysis Server

41: Receiving module

42: Transaction analysis module

43: Scoring Module

44: query module

45: Calculation module

46: Generate modules

47: Teleportation Module

51: Analysis content

52: Scoring setting content

53:Account rating content

54: Abnormal rating content

55:Account usage rating content

56:Warning information content

Step 101: Set up multiple bank servers, each bank server stores multiple bank account information

Step 102: Set up multiple e-commerce platforms, and each e-commerce platform stores multiple merchant account information

Step 103: The analysis server receives corresponding multiple bank account information from each bank server

Step 104: The analysis server receives corresponding multiple merchant account information from each e-commerce platform

Step 105: The analysis server analyzes the transaction frequency, transaction amount, and total number of transaction objects of the bank account based on the bank account information and merchant account information to analyze the transaction type, transaction identity, abnormal transaction quantity, and account usage of the bank account, and analyze Bank account information and bank account information of merchant account information for transaction type, transaction identity, number of abnormal transactions, and account usage and corresponding trust score, exception score, and use score settings

Step 106: The analysis server analyzes the difference between the fund in and out of the bank account and the average balance of the bank account to analyze and set the account score of the bank account

Step 107: The client device provides the transfer-out account and transfer-in account to the analysis server during the electronic transaction

Step 108: The analysis server queries the corresponding transaction types, transaction frequency, transaction amount and the trust score of the transaction object according to the transfer-out account and the transfer-in account respectively, and Query the account score, abnormal score and use score of the corresponding bank account according to the transfer-out account and the transfer-in account

Step 109: The analysis server sums up the queried trust scores, account scores, exception scores and use scores to calculate the total score of the transaction

Step 110: The analysis server generates corresponding warning information according to the total score

Step 111: Analysis server sends alert information to client device and alerts

Figure 1 is a system block diagram of the account cash flow analysis and warning system of the present invention.

Fig. 2 is a schematic diagram of transaction type analysis of account cash flow analysis and warning in the present invention.

Fig. 3 is a schematic diagram of scoring setting for account cash flow analysis and warning according to the present invention.

Fig. 4 is a schematic diagram of account scoring setting for account cash flow analysis and warning according to the present invention.

Fig. 5 is a schematic diagram of anomaly scoring for account cash flow analysis and warning in the present invention.

Fig. 6 is a schematic diagram of account usage scoring for account cash flow analysis and warning in the present invention.

Fig. 7 is a schematic diagram of the warning information of the account cash flow analysis and warning in the present invention.

FIG. 8A and FIG. 8B are flow charts of the account cash flow analysis and warning method of the present invention.

The implementation of the present invention will be described in detail below in conjunction with the drawings and examples, so that the realization process of how to use technical means to solve technical problems and achieve technical effects in the present invention can be fully understood and implemented accordingly.

Firstly, the account cash flow analysis and warning system disclosed in the present invention will be described below, and please refer to "Fig. 1", which is a system block diagram of the account cash flow analysis and warning system of the present invention.

The account cash flow analysis and warning system disclosed in the present invention includes: multiple bank servers 10, multiple e-commerce platforms 20, client devices 30, and an analysis server 40, and the analysis server 40 further includes: a receiving module 41. Transaction analysis module 42, scoring module 43, query module 44, calculation module 45, generation module 46 and transmission module 47.

There are multiple bank account information stored in the bank server 10. The bank account information is to record the transaction details of the bank account. The transaction details include transfer, remittance, deposit, withdraw...etc. This does not limit the scope of application of the present invention.

The e-commerce platform 20 stores multiple pieces of merchant account information. The merchant account information is the record of the bank account provided by the merchant on the store platform. The number of bank accounts provided by the merchant on the store platform can be a single or It is multiple, and multiple bank accounts are used to provide consumers with choices.

The client device 30 is an electronic device owned by a consumer. The client device 30 is, for example, a smart phone, a tablet computer, a notebook computer, a desktop computer, etc., which are only illustrated here and are not intended to be This limits the scope of application of the present invention.

The aforementioned bank server 10, e-commerce platform 20, client device 30, and analysis server 40 are connected to each other through a wired transmission method or a wireless transmission method. The aforementioned wired transmission method is, for example, a cable network, Optical fiber network... etc. The aforementioned wireless transmission methods are, for example: Wi-Fi, mobile communication network (such as: 3G, 4G, 5G... etc.), etc., which are only used here for illustration and do not limit the present invention the scope of application.

The receiving module 41 of the analysis server 40 is used to receive multiple pieces of bank account information from the bank server 10 , and the receiving module 41 of the analysis server 40 can also receive multiple pieces of merchant account information from the e-commerce platform 20 .

Please refer to "Picture 2" and "Picture 3", "Picture 2" is a schematic diagram of the analysis content of the account cash flow analysis and warning of the present invention; "Picture 3" is a schematic diagram of the account cash flow of the present invention Schematic diagram of scoring settings for analytics and alerts.

After the receiving module 41 of the analysis server 40 is used to receive multiple pieces of bank account information from the bank server 10, and the receiving module 41 of the analysis server 40 can also receive multiple pieces of business account information from the e-commerce platform 20, The transaction analysis module 42 of the analysis server 40 analyzes the transaction frequency, transaction amount and total number of transaction objects of the bank account based on the bank account information and merchant account information to analyze the transaction type, transaction identity, abnormal transaction quantity and Account usage, analysis content 51 and please refer to "Figure 2", and the analysis content 51 is only a schematic illustration, and the present invention is not limited thereto. The types of transactions are, for example: small-amount life circle, large-amount life circle, shopping, tax payment, etc. , the transaction identity is, for example: personal account, business account, write-off account, etc., the transaction frequency is, for example: less than 5 times per month, more than 10 times per month, fixed times per month or per year, etc., and the transaction amount is, for example, : The monthly accumulation is less than 10,000, the amount of each transaction is higher than 10,000, each fixed amount... etc., which are only for illustration here, and do not limit the scope of application of the present invention. When the transaction frequency is monthly If it is less than 3 times, and the transaction amount is more than 10,000 per transaction, it can be analyzed that the transaction type is a large-amount life circle, the transaction identity is a business account, and the number of abnormal transactions can be analyzed based on the business account information, and The purpose of the account is for business use.

The transaction analysis module 42 of the analysis server 40 can analyze the transaction type, transaction identity, abnormal transaction quantity, and account use and the corresponding trust score, abnormal score, and use score for the bank account information and merchant account information after analysis. Please refer to "Figure 3" for the illustration of the setting and rating setting content 52, which will not be repeated here, and the scoring setting content 52 is only a schematic illustration, and the present invention is not limited by this, and the transaction of the analysis server 40 The analysis module 42 sets the transaction types, transaction identities, abnormal transaction quantities, account usage and corresponding trust scores, abnormal scores, and usage scores for the bank accounts to provide subsequent rating calculations.

Please refer to "Figure 4", which is a schematic diagram of account score setting for account cash flow analysis and warning in the present invention.

The scoring module 43 of the analysis server 40 is used to analyze the difference between the capital inflow and capital outflow of the bank account and the average balance of the bank account to analyze and set the account score of the bank account. The average balance of the bank account is the quarterly average The balance or the annual average balance, the difference between the capital entry and capital outflow of the bank account and the average balance of the bank account adopt T test (t-test test) respectively. Please refer to the description of the prior art for the T test, and the present invention will not go into details , and T test α=0.05, please refer to "Figure 4" for the content of the account rating 53, which will not be repeated here, and the content of the account rating 53 is only a schematic illustration, and the present invention is not limited thereto.

After the receiving module 41 of the analysis server 40 receives the transfer-out account and the transfer-in account from the client device 30, the query module 44 of the analysis server 40 can query the corresponding account according to the transfer-out account and the transfer-in account respectively. The trust score of each transaction type, transaction frequency, transaction amount and transaction object, and querying the account score, abnormal score and use score of the corresponding bank account according to the transfer-out account and the transfer-in account.

Next, please refer to "Picture 3", "Picture 5" and "Picture 6" at the same time. "Picture 5" is a schematic diagram of the abnormal scoring of account cash flow analysis and warning in the present invention; "Picture 6 ” is a schematic diagram of account usage scoring for account cash flow analysis and warning in the present invention, receiving transfer-out accounts and transfer-in accounts.

Abnormal scoring and account usage scoring have been set in the analysis process of the transaction analysis module 42 of the analysis server 40. For the abnormal scoring content 54, please refer to "Figure 5", and for the account usage scoring content 55, please refer to "Figure 6 ”, which will not be repeated here, and the content of the abnormal score 54 and the content of the account use score 55 are only illustrative, and the present invention is not limited thereto. The calculation module 45 of the analysis server 40 can be queried The individual trust scores, account scores, exception scores, and usage scores for , are summed to calculate the total score.

Next, please refer to "Figure 7", which is a schematic diagram of the warning information of the account cash flow analysis and warning in the present invention.

After the calculation module 45 of the analysis server 40 calculates the total score value, the generation module 46 of the analysis server 40 is used to generate corresponding warning information according to the total score value. Please refer to "Fig. 7" for the warning information content 56 As shown, it will not be repeated here, and the warning information content 56 is only a schematic description. The invention is not limited thereto. The transaction analysis module 42 of the analysis server 40 generates corresponding warning information 56 according to the account usage rating 55, and then the transmission module 47 of the analysis server 40 sends the warning information 56 to the client The device 30 also warns, so as to provide consumers with further protection during transactions.

In addition, when the total score value calculated by the calculation module 45 of the analysis server 40 is less than or equal to the preset value and the receiving module 41 of the analysis server 40 receives a confirmation transfer instruction from the client device 30, the analysis server The generation module 46 of the device 40 generates insurance information, so that the transmission module 47 of the analysis server 40 transmits the insurance information, and when the client device 30 applies for insurance through the insurance information, it can provide consumers with further protection during transactions. Banks can also obtain additional business expansion purposes.

When the total score calculated by the calculation module 45 of the analysis server 40 is less than or equal to the preset value and the receiving module 41 of the analysis server 40 receives a confirmation transfer instruction from the client device 30, the generation module of the analysis server 40 The group 46 generates the monitoring account instruction and the transaction temporary freezing instruction, so that the transmission module 47 of the analysis server 40 transmits the monitoring account instruction and the transaction temporary freezing instruction to the corresponding bank server 10 to supervise the transfer-out account and the transfer-in account And freeze the transaction, so as to provide consumers with further protection during the transaction.

Next, the operation method of the present invention will be described below, and please refer to "Figure 8A" and "Figure 8B" at the same time. Method flow diagram of the method.

First, multiple bank servers are set up, and each bank server stores multiple bank account information (step 101); then, multiple e-commerce platforms are set up, and each e-commerce platform stores multiple merchant account information (step 102 ); Then, the analysis server receives corresponding multiple bank account information from each bank server (step 103); then, the analysis server receives corresponding multiple business account information from each e-commerce platform (step 104); Next, the analysis server based on the bank account information Analyze the transaction frequency, transaction amount and total number of transaction objects of the bank account to analyze the transaction type, transaction identity, abnormal transaction quantity and account use of the bank account, and analyze the bank account information and merchant account information. Account information carries out the setting of transaction type, transaction identity, abnormal transaction quantity and account use and corresponding trust score, abnormal score and use score (step 105); then, analyze the server to the difference between the funds entering and the funds flowing out of the bank account and The average balance of the bank account is analyzed to analyze and set the account score of the bank account (step 106); then, the client device provides the transfer-out account and the transfer-in account to the analysis server during the electronic transaction process (step 107); then , the analysis server inquires out the corresponding transaction types, transaction frequency, transaction amount, and trust score of the transaction object according to the transfer-out account and the transfer-in account, and inquires out the corresponding bank account account according to the transfer-out account and the transfer-in account score, abnormal score and use score (step 108); then, the analysis server will add up the inquired trust score, account score, abnormal score and use score to calculate the total score of the transaction (step 109) ; Next, the analysis server generates corresponding warning information according to the total score (step 110); finally, the analysis server sends the warning information to the client device and gives a warning (step 111).

In summary, it can be seen that the difference between the present invention and the prior art is that the analysis server analyzes the transaction frequency, transaction amount and total number of transaction objects of the bank account based on the bank account information and merchant account information to analyze the transaction type of the bank account , and analyze the difference between the capital inflow and capital outflow of the bank account and the average balance of the bank account to analyze the account score of the bank account, and the analysis server can query the corresponding bank account according to the transfer-out account and the transfer-in account The type of transaction, and the account score of the corresponding bank account based on the transfer-in account query, the analysis server will add up the trust score, account score, abnormal score and use score to calculate the total score of the transaction .

This technical means can solve the problem of lack of analysis and warning of bank account cash flow existing in the prior art, and then achieve the technical effect of providing bank account cash flow analysis and warning.

Although the embodiments disclosed in the present invention are as above, the content described above is not intended to directly limit the patent protection scope of the present invention. Anyone with ordinary knowledge in the technical field to which the present invention belongs can make some changes in the forms and details of the implementation without departing from the disclosed spirit and scope of the present invention. The scope of patent protection of the present invention must still be defined by the appended patent application scope.

10: Bank server

20: E-commerce platform

30: Client device

40: Analysis Server

41: Receiving module

42: Transaction analysis module

43: Scoring Module

44: query module

45: Calculation module

46: Generate modules

47: Teleportation Module

Claims (6)

An account cash flow analysis and warning system, which includes: multiple bank servers, each bank server stores multiple bank account information; multiple e-commerce platforms, each e-commerce platform stores multiple merchant account information; A client device, the client device provides a transfer-out account and a transfer-in account during the electronic transaction process, the client device receives a warning message and warns during the electronic transaction process, the client device The device provides a confirmation transfer instruction during the electronic transaction, and the client device receives and displays insurance information during the electronic transaction; an analysis server, and the analysis server further includes: a receiving module, Used to receive corresponding multiple bank account information from each bank server, receive corresponding multiple merchant account information from each e-commerce platform, and receive the transfer-out account and the transfer-in account from the client device , receiving the confirmation transfer instruction from the client device; a transaction analysis module, analyzing the transaction frequency, transaction amount and total number of transaction objects of the bank account according to the bank account information and the merchant account information to analyze The transaction type, transaction identity, number of abnormal transactions, and account use of the bank account, and the transaction type, transaction identity, number of abnormal transactions, account use and corresponding trust score for the bank account information and the bank account information of the merchant account information, Setting of exception scoring and usage scoring; A scoring module for analyzing the difference between the money in and out of the bank account and the average balance of the bank account to analyze and set the account score of the bank account, the difference between the money in and out of the bank account And the average balance of the bank account adopts T test (t-test test) respectively, and α=0.05 in the T test; a query module, for when the receiving module receives the transfer account and the When transferring into an account, query the corresponding transaction types, transaction frequency, transaction amount and trust score of the transaction object according to the transfer-out account and the transfer-in account respectively, and according to the transfer-out account and the transfer-in account Query the account score, abnormal score, and use score of the corresponding bank account; a calculation module that sums the queried trust score, account score, abnormal score, and use score to calculate a score for the transaction Total value; a generation module, used to generate the corresponding warning information according to the total score value, when the total score value is less than or equal to a preset value and the receiving module receives the total value from the client device When the transfer instruction is confirmed, an insurance information is generated; and a sending module is used to send the warning information to the client device, and send the insurance information to the client device. The account cash flow analysis and warning system as described in claim 1, wherein the total value of the score calculated by the calculation module is less than or equal to a preset value and the receiving module receives a value from the client device When confirming the transfer instruction, the generation module generates a monitoring account instruction and a transaction temporary freeze A closing instruction, so that the transmission module transmits the monitoring account instruction and the transaction temporary freezing instruction to the corresponding bank server to supervise the transfer-out account and the transfer-in account and freeze the transaction. The account cash flow analysis and warning system as described in Claim 1, wherein the average balance of the bank account is a quarterly average balance or an annual average balance. An account cash flow analysis and warning method, which includes the following steps: setting up multiple bank servers, each bank server storing multiple bank account information; setting up multiple e-commerce platforms, each e-commerce platform storing multiple Merchant account information; an analysis server receives corresponding multiple bank account information from each bank server; the analysis server receives corresponding multiple business account information from each e-commerce platform; the analysis server according to the Analyze the transaction frequency, transaction amount, and total number of transaction objects of the bank account through the above bank account information and the above merchant account information to analyze the transaction type, transaction identity, number of abnormal transactions, and account usage of the bank account, and analyze the bank account Information and bank accounts of the merchant account information for transaction types, transaction identities, number of abnormal transactions, account usage and corresponding trust scores, exception scores, and usage scores; The difference between the bank account and the average balance of the bank account is analyzed to analyze and set the account of the bank account Account score, the difference between the funds in and out of the bank account and the average balance of the bank account respectively adopt T test (t-test test), and α=0.05 in the T test; a client device is performing electronic Provide a transfer-out account and a transfer-in account to the analysis server during the transaction process; the analysis server inquires out the corresponding transaction types, transaction frequency, transaction The amount and the trust score of the transaction object, and the account score, abnormal score and use score of the corresponding bank account inquired based on the transfer-out account and the transfer-in account; the analysis server will be queried for each trust score , account score, abnormality score and use score to calculate a total score value of the transaction; the analysis server generates a corresponding warning message according to the total score value; and the analysis server sends the Alerting information to the client device and alerting; the client device provides a confirmation transfer instruction to the analysis server during the electronic transaction process; when the analysis server receives the When the transfer instruction is confirmed and the total score value of the transaction is less than or equal to a preset value, the analysis server generates an insurance information; and the analysis server sends the insurance information to the client device and adds show. The account cash flow analysis and warning method as described in claim item 4, wherein the analysis server sums the queried trust scores, account scores, abnormal scores and use scores to calculate the score of the transaction When the total value is less than or equal to a preset value and the analysis server receives a confirmation transfer instruction, the analysis server generates a monitoring account instruction and a transaction temporary freezing instruction and transmits the monitoring account instruction and the transaction temporary freezing instruction An instruction is sent to the corresponding bank server to supervise the transfer-out account and the transfer-in account and freeze the transaction. The account cash flow analysis and warning method as described in claim 4, wherein the analysis server analyzes the difference between the fund inflow and outflow of the bank account and the average balance of the bank account to analyze and set the account score of the bank account The average balance of the bank account mentioned in the step is a quarterly average balance or an annual average balance.

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