CN-122022894-A - Risk prevention and control method, equipment Medium and product

Abstract

The method comprises the steps of obtaining marketing data from a plurality of platforms, extracting resource data carried by each resource and resource provider data from the marketing data, wherein the resource data comprises resource IDs and marketing IDs, the resource provider data comprises account IDs of resource accounts, constructing a data structure model corresponding to each account ID one by one, storing each account ID and the resource ID of the corresponding resource and marketing ID of the marketing in the corresponding data structure model, monitoring whether the resource account of the account ID accords with a set early warning rule according to the data structure model of the account ID for each account ID, and outputting early warning information of the resource account to be early warned under the condition that the resource account to be early warned accords with the resource early warning rule is found.

Inventors

• LIU XIAOQIAN
• SUN YU
• DING HONGYUE

Assignees

• 支付宝(杭州)数字服务技术有限公司

Dates

Publication Date

20260512

Application Date

20260305

Claims (20)

1. 1. A risk prevention and control method, comprising: obtaining marketing data from a plurality of platforms, one platform comprising at least one marketing, one marketing for issuing at least one resource, one resource associated with one resource account, one resource account available for supporting a plurality of resources of the plurality of marketing of the plurality of platforms; extracting resource data carried by each resource and resource provider data from the marketing data, wherein the resource data comprises a resource ID and a marketing ID, and the resource provider data comprises an account ID of a resource account; Constructing a data structure model corresponding to each account ID one by one, and storing each account ID and the resource ID of the corresponding resource and marketing ID of marketing to the corresponding data structure model, wherein the data structure model comprises a first-level node, at least one second-level node and at least one third-level node which are sequentially connected, the number of the second-level nodes is the same as the number of the resource IDs related to the corresponding account IDs, the account IDs are stored in the first-level node, and the resource IDs and the corresponding marketing IDs are sequentially stored in the second-level node and the third-level node which have a connection relationship; for each account ID, monitoring whether a resource account of the account ID accords with a set resource early warning rule according to a data structure model to which the account ID belongs; and outputting an early warning message of the resource account to be early-warned under the condition that the resource account to be early-warned which accords with the resource early-warning rule is found to exist in monitoring.
2. 2. The method of claim 1, wherein the resource provider data further comprises a resource provider name, a resource provider ID, a provider resource remaining amount, and an account name and an account resource remaining amount of a resource account, the resource provider ID being associated with at least one account ID, the resource data further comprising a resource name and a remaining resource issue amount associated with a resource ID, and a marketing name and a remaining resource issue amount associated with a marketing ID; The data structure model further comprises a parent node, wherein the parent node is used for storing the name of the resource provider, the ID of the resource provider and the residual amount of the resource of the provider, the parent node is connected with a first-level node where the account ID related to the ID of the resource provider stored by the parent node is located, the first-level node is further used for storing the account name related to the account ID and the residual amount of the account resource, the second-level node is further used for storing the resource name related to the resource ID and the residual amount of the resource, and the third-level node is further used for storing the marketing name related to the marketing ID and the residual amount of the resource.
3. 3. The method of claim 1, wherein the resource data further comprises a total amount of resource release associated with the marketing ID, and a resource value, a resource type, and a resource status associated with the resource ID, wherein the resource provider data further comprises an account resource remaining amount for the resource account, wherein the resource type comprises a first type for characterizing an account resource amount that is occupied after release, and a second type for characterizing an account resource amount that is not occupied after release but is occupied after cancellation; The step of monitoring whether the resource account of the account ID accords with the set early warning rule according to the data structure model of the account ID comprises the following steps: extracting the resource value of the first type of undischarged resources and the resource value of the second type of the verified resources associated with each marketing ID according to the marketing ID stored in the data structure model to which the account ID belongs; For each marketing ID, calculating to obtain a first accumulated residual quantity according to the corresponding undipped resource value of the first type of resource, and calculating to obtain accumulated resource consumption according to the corresponding verified resource value of the second type of resource; Calculating a second accumulated residual quantity corresponding to each marketing ID according to the total resource distribution amount and the accumulated resource consumption amount corresponding to each marketing ID; Summing all the calculated first accumulated remaining values and all the calculated second accumulated remaining values to obtain a marketing total remaining value; And under the condition that the total marketing residual quantity is larger than the account resource residual quantity of the account ID, determining that the resource account of the account ID accords with the resource occupation early warning rule.
4. 4. The method of claim 1, wherein the resource provider data further comprises account resource remaining amounts of resource accounts, wherein the first level node at which the account ID is located further stores corresponding account resource remaining amounts; the step of monitoring whether the resource account of the account ID accords with the set early warning rule according to the data structure model of the account ID comprises the following steps: Extracting the account resource remaining amount of the account ID according to a data structure model to which the account ID belongs; and determining whether the resource account corresponding to the account ID accords with the resource consumption early warning rule according to the account resource remaining balance of the account ID and the set balance threshold value.
5. 5. The method according to claim 1, wherein the method further comprises: for each marketing, monitoring whether the marketing accords with a set business early warning rule according to the marketing ID of the marketing; and outputting the early warning message of the to-be-early-warning marketing under the condition that the to-be-early-warning marketing conforming to the business early warning rule is found in monitoring.
6. 6. The method of claim 5, wherein the business pre-warning rules comprise aging pre-warning rules; The step of monitoring whether the marketing accords with a set business early warning rule according to the marketing ID of the marketing comprises the following steps: Obtaining marketing configuration data corresponding to the marketing ID; Obtaining the remaining service life and state information of the undispensed resources and the target group corresponding to the marketing ID according to the marketing configuration data; And determining that the marketing accords with an aging early warning rule under the condition that the residual service life of the undispensed resource or the target group is smaller than a set period threshold or the state information of the undispensed resource or the target group is abnormal.
7. 7. The method of claim 5, wherein the business pre-warning rules comprise marketing consumption pre-warning rules; The step of monitoring whether the marketing accords with a set business early warning rule according to the marketing ID of the marketing comprises the following steps: Acquiring corresponding total resource release amount and resource value of non-release resources according to the marketing ID; calculating to obtain the residual resource occupation of the undischarged resources according to the resource value of the undischarged resources; And determining whether the marketing accords with a marketing consumption early warning rule according to the total amount of resource release and the residual resource occupation.
8. 8. The method of claim 5 or 7, wherein the business pre-warning rules comprise marketing consumption pre-warning rules; The step of monitoring whether the marketing accords with a set business early warning rule according to the marketing ID of the marketing comprises the following steps: Acquiring a first release total amount of the released resources corresponding to the marketing ID in a first set period and a second release total amount of the released resources in a second set period, wherein the duration of the first set period and the duration of the second set period are the same; and monitoring whether the marketing accords with a marketing consumption early warning rule according to the first issuing total amount and the second issuing total amount.
9. 9. The method of claim 5, wherein the business pre-warning rules comprise marketing verification pre-warning rules; The step of monitoring whether the marketing accords with a set business early warning rule according to the marketing ID of the marketing comprises the following steps: acquiring a first total amount of the approved resources in a third set period and a second total amount of the approved resources in a fourth set period, wherein the first total amount of the approved resources and the second total amount of the approved resources are corresponding to the marketing ID; And monitoring whether the marketing accords with a marketing verification and approval early warning rule according to the first verification and approval total amount and the second verification and approval total amount.
10. 10. The method of claim 9, wherein the first aggregate amount and the second aggregate amount each include an aggregate amount and an aggregate amount; the step of monitoring whether the marketing accords with a marketing verification and approval early warning rule according to the first verification and approval total amount and the second verification and approval total amount comprises the following steps: Calculating a limit fluctuation amplitude between the first cancel limit and the second cancel limit; Calculating a quantity fluctuation amplitude between the first verification quantity and the second verification quantity; and under the condition that the limit fluctuation amplitude is larger than a set limit fluctuation threshold and the quantity fluctuation amplitude is larger than a set quantity fluctuation threshold, determining that the corresponding marketing accords with a marketing verification and early warning rule.
11. 11. The method of claim 6, wherein the pre-warning marketing comprises a first marketing that meets an aging pre-warning rule, and wherein prior to the step of outputting the pre-warning message corresponding to the pre-warning marketing, the method further comprises: And eliminating the ageing risk identification of the non-issued non-leaded type resource corresponding to the first marketing to obtain updated first marketing, wherein the non-leaded type is used for representing the resource type of which the issuing of the resource is not triggered by the user leadership.
12. 12. The method of claim 8, wherein the pre-warning marketing includes a second marketing that meets marketing consumption pre-warning rules, and wherein prior to the step of outputting the pre-warning message for the pre-warning marketing, the method further comprises: Removing marketing consumption risk identification of non-issued non-leaded type resources corresponding to the second marketing to obtain updated second marketing, wherein the non-leaded type is used for representing the type of the resources, which are not required to be triggered by the user's leadership, and/or Updating the risk identification of the second marketing to a no activity consumption risk identification in the event of an abnormality in the marketing state of the second marketing, and/or Updating the risk identification of the second marketing to be an activity-free consumption risk identification under the condition that the remaining resource release amount corresponding to the second marketing is smaller than a set resource threshold value, and/or And under the condition that the feedback message of the second marketing without early warning is received, updating the risk identifier of the second marketing into a risk identifier without active consumption.
13. 13. The method of claim 10, wherein the pre-warning marketing includes a third marketing that meets marketing verification pre-warning rules, and wherein prior to the step of outputting the pre-warning message for the pre-warning marketing, the method further comprises: acquiring the final service life of the resources associated with the third marketing under the condition that the second verifying and verifying amount or the second verifying and verifying total amount corresponding to the third marketing is zero; And updating the risk identification of the third marketing to be a marketing-free verification risk identification under the condition that the final service life of the resources associated with the third marketing does not exceed the ending time of a fourth set time period.
14. 14. The method according to any one of claims 1-7 and 9-13, wherein the step of outputting the pre-warning message of the resource account to be pre-warned comprises: Displaying the resource account to be early-warned, early-warning messages thereof and operation controls corresponding to the early-warning messages one by one through a display interface, wherein the operation controls comprise an invalid control used for indicating that the target risk indicated by the early-warning messages is invalid, a follow-up control used for indicating that the target risk is followed up, and a confirmation control used for indicating that the target risk is repaired; marking the state of the corresponding target risk as finished and invalid under the condition that an instruction generated by triggering the invalid control is received; Displaying an input box for inputting a reason for generating a corresponding target risk under the condition that an instruction generated by triggering the follow-up control is received, marking the content acquired from the input box to the corresponding target risk, and marking the state of the corresponding target risk as in-process; Upon receipt of an instruction generated by the validation control being triggered, the state of the corresponding target risk is marked as completed and valid.
15. 15. The method according to any one of claims 1-7 and 9-13, further comprising: And under the condition that an instruction for checking the data relation graph of the target object is received, calling a data structure model to which the target object belongs to render the data relation graph, and displaying the data relation graph through a display interface, wherein the target object comprises at least one of a resource provider name and a resource account.
16. 16. The method according to any one of claims 1-7 and 9-13, further comprising: acquiring marketing data of the multiple platforms according to a set monitoring period; And under the condition that at least one of the resource data and the resource supplier data extracted based on the marketing data in the monitoring period of the current round is different from the previous round of monitoring period, updating new data which is different from the previous round of monitoring period in the resource data and the resource supplier data of the monitoring period of the current round into a corresponding data structure model.
17. 17. The method of claim 16, wherein the method further comprises: and under the condition that the risk indicated by the early warning message obtained based on marketing data processing in the monitoring period of the current round is different from the monitoring period of the previous round, marking the risk existing in the monitoring period of the previous round but not existing in the monitoring period of the current round as invalid, and updating the current risk to include the risk obtained by processing in the monitoring period of the current round.
18. 18. An electronic device comprising a processor, a memory for storing processor-executable instructions, wherein the processor is configured to implement the steps of the method of any one of claims 1-17 by executing the executable instructions.
19. 19. A computer readable storage medium having stored thereon computer instructions which, when executed by a processor, implement the steps of the method of any of claims 1-17.
20. 20. A computer program product comprising a computer program which, when executed by a processor, implements the steps of the method according to any one of claims 1-17.

Description

Risk prevention and control method, equipment Medium and product Technical Field One or more embodiments of the present specification relate to the field of data processing technology, and in particular, to a risk prevention and control method, apparatus, medium, and product. Background In the related art, in order to promote short-term sales, or to realize brand construction, or to optimize inventory, or to enhance user viscosity, marketing campaigns are typically configured at a business service platform to promote user consumption. The red package, the claim interest coupons, the discount coupon and the like are common and effective incentive means and rights (belonging to a resource) in marketing activities, and can accurately reach users, thereby improving the participation degree of the users and the consumption transformation. However, due to lack of risk prevention and control, the resource account may have insufficient resources (such as insufficient funds) due to overdrawing of resources, which is insufficient to cancel the equity, and the equity cannot be cancelled, which affects the user experience and may result in a decrease in user viscosity. Therefore, it is needed to provide a technical solution capable of avoiding the resource risk of the resource account. Disclosure of Invention In view of this, in order to at least solve the technical problems that in the related art, due to lack of risk prevention and control, there is a risk that resources cannot be revoked in a resource account, thereby affecting user experience and resulting in reduced user viscosity, one or more embodiments of the present disclosure provide a technical solution as follows: According to a first aspect of one or more embodiments of the present specification, there is provided a risk prevention and control method, including: obtaining marketing data from a plurality of platforms, one platform comprising at least one marketing, one marketing for issuing at least one resource, one resource associated with one resource account, one resource account available for supporting a plurality of resources of the plurality of marketing of the plurality of platforms; extracting resource data carried by each resource and resource provider data from the marketing data, wherein the resource data comprises a resource ID and a marketing ID, and the resource provider data comprises an account ID of a resource account; Constructing a data structure model corresponding to each account ID one by one, and storing each account ID and the resource ID of the corresponding resource and marketing ID of marketing to the corresponding data structure model, wherein the data structure model comprises a first-level node, at least one second-level node and at least one third-level node which are sequentially connected, the number of the second-level nodes is the same as the number of the resource IDs related to the corresponding account IDs, the account IDs are stored in the first-level node, and the resource IDs and the corresponding marketing IDs are sequentially stored in the second-level node and the third-level node which have a connection relationship; For each account ID, monitoring whether a resource account of the account ID accords with a set early warning rule according to a data structure model to which the account ID belongs; and outputting an early warning message of the resource account to be early-warned under the condition that the resource account to be early-warned which accords with the resource early-warning rule is found to exist in monitoring. According to a second aspect of one or more embodiments of the present specification, an electronic device is proposed, comprising a processor, a memory for storing processor executable instructions, wherein the processor is configured to implement the steps of the risk prevention and control method as provided in the first aspect above by executing the executable instructions. According to a third aspect of one or more embodiments of the present specification, there is provided a computer readable storage medium having stored thereon computer instructions which, when executed by a processor, implement the steps of the risk prevention and control method as provided in the first aspect above. According to a fourth aspect of one or more embodiments of the present description, a computer program product is presented, comprising a computer program which, when executed by a processor, implements the steps of the risk prevention and control method as provided in the first aspect described above. According to any one of the embodiments, the data structure model is built by comprehensively planning marketing data of a plurality of platforms and taking account IDs as references, and the resource IDs and marketing IDs corresponding to the account IDs are stored in the data structure model corresponding to the account IDs, so that the establishment of the association relationship between the resource