CN113222766B - Information supervision method and device of financial product, computer equipment and medium - Google Patents
Information supervision method and device of financial product, computer equipment and medium Download PDFInfo
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- CN113222766B CN113222766B CN202110524602.7A CN202110524602A CN113222766B CN 113222766 B CN113222766 B CN 113222766B CN 202110524602 A CN202110524602 A CN 202110524602A CN 113222766 B CN113222766 B CN 113222766B
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q10/00—Administration; Management
- G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
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Abstract
The invention discloses a financial product information supervision method, a financial product information supervision device, a computer device and a financial product information supervision medium, wherein the method comprises the following steps: collecting data of a multi-level supervision chain based on a big data platform to obtain supervision information; analyzing the supervision information to generate a first intelligent contract, and sending the first intelligent contract to a portal chain through a multi-level supervision chain; the version of the first intelligent contract is updated through the portal chain to obtain a second intelligent contract, and the second intelligent contract is sent to the multi-level supervision chain; and the second intelligent contract is audited by adopting a multi-level supervision chain, and the second intelligent contract is deployed to the portal chain after the audit is passed, so that the supervision risk of the information of the financial product is reduced, and the supervision flexibility and the supervision efficiency are improved.
Description
Technical Field
The invention relates to the field of block chains, in particular to a financial product information supervision method, device, computer equipment and medium.
Background
The traditional financial system is difficult to take people, institutions and communities with characteristics in a plurality of circle layers into consideration, and is difficult to finely simulate and evaluate systematic financial risks, so that the capital circulation and nursing services of a centralized insurance institution are difficult to audit, for example, the current long insurance scheme is based on the centralized bank system and the insurance institution, the supervision and treatment party is a centralized silver insurance supervision party, the operation of insurance funds in the security field is supervised by the centralized certificate supervision, and the long insurance scheme of the long insurance implementation is difficult to transfer code rights to the base layer, and can only implement the unified scheme, otherwise, the supervision is difficult. And the traditional financial field is opaque, and is difficult to be verified and traced and audited by the public, the legal rights and interests of investors are difficult to maintain effectively, the investors are difficult to verify the fund lenders of insurance companies, and the financial system consists of three types of simple transaction, short-term lending and long-term lending, so that the generated financial system risk has certain periodicity, and the policy enforcer is difficult to intervene and enforce effective policy adjustment in real time, therefore, a method capable of reducing the supervision risk of the information of financial products and improving the supervision flexibility and the supervision efficiency is urgently needed.
Disclosure of Invention
The embodiment of the invention provides a financial product information supervision method and device, computer equipment and a storage medium, which are used for reducing the supervision risk of the information of a financial product and improving the supervision flexibility and the supervision efficiency.
In order to solve the above technical problem, an embodiment of the present application provides an information monitoring method for a financial product, which is applied to an information monitoring system for a financial product, where the information monitoring system includes a big data platform, a multi-level chain of custody, a city gateway, and a portal chain, and the city gateway is used for interaction between the multi-level chain of custody and the portal chain, and the information monitoring method for a financial product includes:
collecting data of the multi-level supervision chain based on a big data platform to obtain supervision information;
analyzing the supervision information to generate a first intelligent contract, and sending the first intelligent contract to the portal chain through the multilevel supervision chain;
the version of the first intelligent contract is updated through the portal chain to obtain a second intelligent contract, and the second intelligent contract is sent to the multi-level supervision chain;
and auditing the second intelligent contract by adopting the multi-level supervision chain, and deploying the second intelligent contract to the portal chain after the auditing is passed.
Optionally, the multi-level chain of custody is a tree structure, and leaf nodes on each chain of custody supervise portal chains in the jurisdiction.
Optionally, the supervision information includes a unique identifier, and the unique identifier is obtained by registering a digital twin mapping on the multilevel supervision chain according to the service asset.
Optionally, the method for supervising information of financial products further comprises:
establishing a timer for an event to be triggered at an expected time point, and issuing the event to a target portal chain through a supervision chain at the expected time point;
and recording the timer in the big data platform under the chain of the multi-level chain of supervision, and constructing a contract on the portal chain in a mode of constructing a trusted timer under the chain through the trusted storage under the chain.
Optionally, the analyzing the supervision information and generating the first intelligent contract includes:
acquiring historical data information and a current event in the supervision information;
predicting and scoring the current event according to the historical data information in a reinforcement learning mode to obtain an evaluation result;
and generating a first intelligent contract of the current event according to the evaluation result.
In order to solve the above technical problem, an embodiment of the present application further provides an information monitoring apparatus for a financial product, which is applied to an information monitoring system for a financial product, where the information monitoring system includes a big data platform, a multi-level chain of custody, a city gateway, and a portal chain, the city gateway is used for interaction between the multi-level chain of custody and the portal chain, and the information monitoring apparatus for a financial product includes:
the information acquisition module is used for acquiring data of the multi-level supervision chain based on a big data platform to obtain supervision information;
the information analysis module is used for analyzing the supervision information, generating a first intelligent contract and sending the first intelligent contract to the portal chain through the multilevel supervision chain;
the information updating module is used for updating the version of the first intelligent contract through the portal chain to obtain a second intelligent contract and sending the second intelligent contract to the multi-level monitoring chain;
and the contract deployment module is used for auditing the second intelligent contract by adopting the multi-level supervision chain, and deploying the second intelligent contract to the portal chain after the auditing is passed.
Optionally, the information supervising apparatus for financial products further includes:
the contract issuing module is used for establishing a timer for an event to be triggered at an expected time point and issuing the event to a target portal chain through a supervision chain at the expected time point;
and the contract construction module is used for recording the timer in the big data platform under the chain of the multi-level supervision chain, and constructing the contract on the portal chain in a mode of constructing the trusted timer under the chain through the trusted storage under the chain.
Optionally, the information analysis module includes:
the information acquisition unit is used for acquiring historical data information and current events in the supervision information;
the information evaluation unit is used for predicting and scoring the current event according to the historical data information in a reinforcement learning mode to obtain an evaluation result;
and the contract generating unit is used for generating a first intelligent contract of the current event according to the evaluation result.
In order to solve the technical problem, an embodiment of the present application further provides a computer device, which includes a memory, a processor, and a computer program stored in the memory and executable on the processor, and the processor implements the steps of the information monitoring method for financial products when executing the computer program.
In order to solve the technical problem, an embodiment of the present application further provides a computer-readable storage medium, where a computer program is stored, and the computer program, when executed by a processor, implements the steps of the information monitoring method for financial products.
According to the information supervision method and device of the financial product, the computer equipment and the storage medium, the supervision information is obtained by collecting the data of the multi-level supervision chain based on the big data platform; analyzing the supervision information to generate a first intelligent contract, and sending the first intelligent contract to the portal chain through the multilevel supervision chain; updating the version of the first intelligent contract through the portal chain to obtain a second intelligent contract, and sending the second intelligent contract to the multi-level supervision chain; and adopting the multi-level supervision chain to audit the second intelligent contract, and deploying the second intelligent contract to the portal chain after the audit is passed, so that the supervision risk of the information of the financial product is reduced, and the supervision flexibility and the supervision efficiency are improved.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings required to be used in the description of the embodiments of the present invention will be briefly introduced below, and it is obvious that the drawings in the description below are only some embodiments of the present invention, and it is obvious for those skilled in the art that other drawings can be obtained according to the drawings without inventive labor.
FIG. 1 is an exemplary system architecture diagram to which the present application may be applied;
FIG. 2 is a flow chart of one embodiment of a method for information governance of a financial product of the present application;
FIG. 3 is a schematic diagram of the structure of one embodiment of an information administration apparatus for financial products according to the present application;
FIG. 4 is a block diagram of one embodiment of a computer device according to the present application.
Detailed Description
Unless defined otherwise, all technical and scientific terms used herein have the same meaning as commonly understood by one of ordinary skill in the art to which this application belongs; the terminology used in the description of the application herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the application; the terms "including" and "having," and any variations thereof, in the description and claims of this application and the description of the above figures are intended to cover non-exclusive inclusions. The terms "first," "second," and the like in the description and claims of this application or in the foregoing drawings are used for distinguishing between different objects and not for describing a particular sequential order.
Reference herein to "an embodiment" means that a particular feature, structure, or characteristic described in connection with the embodiment can be included in at least one embodiment of the application. The appearances of the phrase in various places in the specification are not necessarily all referring to the same embodiment, nor are separate or alternative embodiments mutually exclusive of other embodiments. It is explicitly and implicitly understood by one skilled in the art that the embodiments described herein may be combined with other embodiments.
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some, not all, embodiments of the present invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Referring to fig. 1, as shown in fig. 1, a schematic diagram of an information monitoring system for a financial product is shown, where the information monitoring system includes a big data platform, a multi-level chain of custody, a city gateway and a portal chain, where the city gateway is used for interaction between the multi-level chain of custody and the portal chain, it should be noted that the information monitoring method for a financial product according to the embodiment of the present application is executed by a server, and accordingly, an information monitoring apparatus for a financial product is disposed in the server.
It should be understood that the number of portal chains, the number of levels of a multi-level chain of custody, in fig. 1 is merely illustrative. According to implementation needs, the system can have any number of portal chains and any level of supervision chains, and particularly can correspond to an application system in actual production.
Referring to fig. 2, fig. 2 shows an information monitoring method for a financial product according to an embodiment of the present invention, the method is applied to an information monitoring system for a financial product, the information monitoring system includes a big data platform, a multi-level chain of custody, a city gateway and a portal chain, the city gateway is used for interaction between the multi-level chain of custody and the portal chain, and the method is applied to the server in fig. 1 as an example, and is described in detail as follows:
s201: and acquiring data of a multi-level supervision chain based on a big data platform to obtain supervision information.
The supervision information includes process data of releasing and returning RMB by the central bank, such as bank running information of paying long insurance by the user on schedule, information of using fund by insurance company for fund investment, information of depositing fund details by the bank, and the like. And the monitored information includes regulatory information of the user's purchase of long-term and short-term services, for example, information of providing a care service to the user who purchases a long care. Specifically, the big data platform performs analysis based on the collected data, thereby obtaining the supervision information. Optionally, the big data platform stores the data acquired from the multi-level supervision chain by using the time sequence database, realizes capital and service supervision, acquires supervision information, and understandably ensures the analysis efficiency of the data and improves the efficiency of acquiring the supervision information by using the time sequence database.
S202: and analyzing the supervision information, generating a first intelligent contract, and sending the first intelligent contract to the portal chain through the multi-level supervision chain.
The first intelligent contract is an intelligent contract generated after the supervision information is analyzed. Specifically, taking the long insurance as an example, the first intelligent contract of the long insurance can be jointly written by the relevant responsible units of the long insurance according to the situation of the user group, the first intelligent contract is composed of two parts, a financial related contract is written in an incomplete language, and a long-term care contract is written in a complete language. And the optimization details of the local contract codes and the first intelligent contract are sent to the portal chain through the multi-level supervision chain, so that the portal chain can update and customize the first intelligent contract based on the requirement, and the intelligent contract can meet the requirement of the portal chain.
S203: and updating the version of the first intelligent contract through the portal chain to obtain a second intelligent contract, and sending the second intelligent contract to the hierarchical supervision chain.
In a specific implementation manner of this embodiment, in order to implement customization of information of a financial product to different portal chains, the first intelligent contract is version-updated through the portal chains to obtain a second intelligent contract, and the second intelligent contract is sent to the hierarchical chain of custody. Specifically, an instruction issued by an upper-layer supervision node is received, and the instruction comprises uploading and updating of a local improved version of the portal chain according to local conditions and uploading of business process information of the portal chain in the contract implementation process, so that the legal code designed at the top layer is further customized locally, and on the premise that top-layer supervision can be ensured, the programming right of the society is further released, such as effective release of the property right, for example, local customization of long insurance, so as to facilitate subsequent efficient supervision.
S204: and auditing the second intelligent contract by adopting the multi-level supervision chain, and deploying the second intelligent contract to the portal chain after the auditing is passed.
Specifically, the gate chain business auditing includes adjusting and optimizing auditing of a second intelligent contract on a gate chain, and the intelligent contract of the business passing the auditing is sent to the corresponding gate chain, so that the safety of the second intelligent contract is ensured, the risk of the second intelligent contract on the gate chain is greatly reduced, the second intelligent contract is deployed to the gate chain, and the high-efficiency supervision on the information of financial products is realized.
In the embodiment, the supervision information is obtained by acquiring the data of the multi-level supervision chain based on a big data platform; analyzing the supervision information to generate a first intelligent contract, and sending the first intelligent contract to a portal chain through a multi-level supervision chain; the version of the first intelligent contract is updated through the portal chain to obtain a second intelligent contract, and the second intelligent contract is sent to the multi-level supervision chain; the second intelligent contract is audited by adopting the multi-level supervision chain, and the second intelligent contract is deployed to the portal chain after the audit is passed, so that the supervision risk of the information of the financial product is reduced, and the supervision flexibility and the supervision efficiency are improved.
In some alternative implementations of this embodiment, the multi-level chain of custody is a tree structure, and leaf nodes on each chain of custody supervise the portal chains within the jurisdiction.
Specifically, the multilevel chain of custody is a tree structure, and the leaf nodes on each chain of custody supervise the portal chains in the jurisdiction, for example, the multilevel chain of custody is constructed according to province, city, county and county administrative geography plans, and follows the tree structure, and the leaf nodes on the chain of custody supervise the portal chains in the jurisdiction. And the leaf node of the supervision chain audits the portal chain service and sends the service intelligent contract passing the audit to the corresponding portal chain. The portal chain comprises portals of security companies, insurance companies, banks, tax departments and the like, the portal chain is used for making a flattened account book for transverse transaction cooperation in financial circle layers of various regions, and business contracts on the portal chain are improved according to local conditions through real-time interaction of urban gateways and leaf nodes of a supervision party, so that the portal chain is convenient to optimize intelligent contract according to self needs, and the supervision efficiency of subsequent data is improved.
In this embodiment, the multilevel chain of custody is a tree structure, and the leaf nodes on each chain of custody supervise the portal chain in the jurisdiction area, so that the portal chain optimizes an intelligent contract according to the need of the portal chain, and the supervision efficiency of subsequent data is improved.
In some optional implementations of this embodiment, the supervision information includes a unique identifier, and the unique identifier is obtained by registering a digital twin map on a multi-level chain of supervision according to the service asset.
The supervision information comprises a unique identifier of the service asset, and particularly, a digital twin map of the physical world needs to be registered on a multilevel supervision chain to obtain the unique identifier. For example, in the nursing process, the event of the used IOT intelligent device to the nursing of the user needs to be recorded on the corresponding intelligent endowment portal chain, and the record is uploaded to the leaf node according to a certain template in real time.
Preferably, the template is constructed based on the interaction time between the unique identifiers and the corresponding achievement.
In this embodiment, the supervision information includes a unique identifier, and the unique identifier is obtained by registering digital twin mapping on a multilevel supervision chain according to service assets, so that accurate mapping between the supervision information and a subsequent contract is ensured.
In some optional implementations of this embodiment, the method for supervising information of a financial product further includes:
establishing a timer for an event to be triggered at an expected time point, and issuing the timer to a target portal chain through a supervision chain at the expected time point;
and recording a timer in a big data platform under the chain of the multi-level supervision chain, and constructing a contract on the portal chain in a mode of constructing a trusted timer under the chain through trusted storage under the chain.
Specifically, a timer is established for an event to be triggered at a desired time point, and is issued to the target portal chain via the chain of custody at the desired time point. And storing the supervision data by adopting a time sequence database, and constructing risk assessment and supervision of long-term care risks with long time span based on the supervision data. The timer is recorded in a large data platform under a chain of a multi-level supervision chain, and needs to be stored in a trusted mode under the chain, the trusted meaning is that the chain is guaranteed not to be tampered and can be used in a time period needing to be triggered, and the option futures contract on the portal chain is constructed in a mode of constructing the trusted timer under the chain. For example, taking long insurance as an example, a contract on a portal chain with n-th-stage payment and related guarantee rights at x-th stage is constructed. Therefore, the method can be suitable for risk assessment and supervision of financial products with long time span, such as long insurance.
In the embodiment, a timer is established for an event to be triggered at an expected time point, and the event is sent to a target portal chain through a supervision chain at the expected time point; the method comprises the steps of recording a timer in a big data platform under a chain of the multi-level chain of supervision, and establishing a contract on a portal chain in a mode of establishing a trusted timer under the chain through trusted storage under the chain, so that the method can be suitable for risk assessment and supervision of financial products with long time span, such as long insurance.
In some optional implementation manners of this embodiment, in step S202, analyzing the supervision information, and generating the first intelligent contract includes:
acquiring historical data information and a current event in the supervision information;
predicting and scoring the current event according to historical data information in a reinforcement learning mode to obtain an evaluation result;
and generating a first intelligent contract of the current event according to the evaluation result.
Among them, reinforcement Learning (RL), also called re-excitation Learning, evaluation Learning or Reinforcement Learning, is one of the paradigms and methodologies of machine Learning, and is used to describe and solve the problem that an agent (agent) can achieve maximum return or achieve a specific goal through a Learning strategy in the process of interacting with the environment.
Specifically, historical data information and a current event in the supervision information are obtained, and the current event is predicted and scored according to the historical data information in a reinforcement learning mode to obtain an evaluation result; and generating a first intelligent contract of the current event according to the evaluation result, and ensuring the accuracy of the first intelligent contract by utilizing the historical data information to carry out reinforcement learning and prediction.
In the embodiment, historical data information and current events in the supervision information are acquired; predicting and scoring the current event according to historical data information in a reinforcement learning mode to obtain an evaluation result; and according to the evaluation result, generating the first intelligent contract of the current event, thereby improving the accuracy of the first intelligent contract.
It should be understood that, the sequence numbers of the steps in the foregoing embodiments do not imply an execution sequence, and the execution sequence of each process should be determined by its function and inherent logic, and should not constitute any limitation to the implementation process of the embodiments of the present invention.
Fig. 3 is a schematic block diagram of an information administration apparatus for financial products, which corresponds one-to-one to the information administration method for financial products according to the above-described embodiments. As shown in fig. 3, the information administration apparatus for financial products includes an information acquisition module 31, an information analysis module 32, an information update module 33, and a contract deployment module 34. The functional modules are explained in detail as follows:
the information acquisition module 31 is configured to acquire data of the multi-level chain of supervision based on a big data platform to obtain supervision information;
the information analysis module 32 is configured to analyze the supervision information, generate a first intelligent contract, and send the first intelligent contract to the portal chain through the multi-level chain of supervision;
the information updating module 33 is configured to perform version updating on the first intelligent contract through the portal chain to obtain a second intelligent contract, and send the second intelligent contract to the multi-level chain of custody;
and the contract deployment module 34 is configured to audit the second intelligent contract by using the multi-level supervision chain, and deploy the second intelligent contract to the portal chain after the audit is passed.
Optionally, the multi-level chain of custody is a tree structure, and a leaf node on each chain of custody supervises a portal chain in the jurisdiction.
Optionally, the supervision information includes a unique identifier, and the unique identifier is obtained by registering a digital twin mapping on the multilevel supervision chain according to the service asset.
Optionally, the information supervising apparatus for financial products further includes:
the contract issuing module is used for establishing a timer for the event to be triggered at the expected time point and issuing the event to the target portal chain through the supervision chain at the expected time point;
and the contract construction module is used for recording the timer in the big data platform under the chain of the multi-level supervision chain, and constructing the contract on the portal chain in a mode of constructing the trusted timer under the chain through the trusted storage under the chain.
Optionally, the information analysis module 32 includes:
the information acquisition unit is used for acquiring historical data information and current events in the supervision information;
the information evaluation unit is used for predicting and scoring the current event according to the historical data information in a reinforcement learning mode to obtain an evaluation result;
and the contract generating unit is used for generating a first intelligent contract of the current event according to the evaluation result.
The specific limitations of the information supervision apparatus for financial products can be referred to the limitations of the information supervision method for financial products in the foregoing, and will not be described in detail herein. The various modules in the information supervision device of the financial product can be wholly or partially realized by software, hardware and a combination thereof. The modules can be embedded in a hardware form or independent from a processor in the computer device, and can also be stored in a memory in the computer device in a software form, so that the processor can call and execute operations corresponding to the modules.
In order to solve the technical problem, an embodiment of the present application further provides a computer device. Referring to fig. 4 in particular, fig. 4 is a block diagram of a basic structure of a computer device according to the embodiment.
The computer device 4 comprises a memory 41, a processor 42, a network interface 43 communicatively connected to each other via a system bus. It is noted that only the computer device 4 having the components connection memory 41, processor 42, network interface 43 is shown, but it is understood that not all of the shown components are required to be implemented, and that more or fewer components may be implemented instead. As will be understood by those skilled in the art, the computer device is a device capable of automatically performing numerical calculation and/or information processing according to a preset or stored instruction, and the hardware includes, but is not limited to, a microprocessor, an Application Specific Integrated Circuit (ASIC), a Programmable Gate Array (FPGA), a Digital Signal Processor (DSP), an embedded device, and the like.
The computer device can be a desktop computer, a notebook, a palm computer, a cloud server and other computing devices. The computer equipment can carry out man-machine interaction with a user through a keyboard, a mouse, a remote controller, a touch panel or voice control equipment and the like.
The memory 41 includes at least one type of readable storage medium including a flash memory, a hard disk, a multimedia card, a card-type memory (e.g., SD or D interface display memory, etc.), a Random Access Memory (RAM), a Static Random Access Memory (SRAM), a read-only memory (ROM), an electrically erasable programmable read-only memory (EEPROM), a programmable read-only memory (PROM), a magnetic memory, a magnetic disk, an optical disk, and the like. In some embodiments, the memory 41 may be an internal storage unit of the computer device 4, such as a hard disk or a memory of the computer device 4. In other embodiments, the memory 41 may also be an external storage device of the computer device 4, such as a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card), and the like, which are provided on the computer device 4. Of course, the memory 41 may also include both an internal storage unit of the computer device 4 and an external storage device thereof. In this embodiment, the memory 41 is generally used for storing an operating system installed in the computer device 4 and various types of application software, such as program codes for controlling electronic files. Further, the memory 41 may also be used to temporarily store various types of data that have been output or are to be output.
The processor 42 may be a Central Processing Unit (CPU), controller, microcontroller, microprocessor, or other data Processing chip in some embodiments. The processor 42 is typically used to control the overall operation of the computer device 4. In this embodiment, the processor 42 is configured to execute the program code stored in the memory 41 or process data, such as program code for executing control of an electronic file.
The network interface 43 may comprise a wireless network interface or a wired network interface, and the network interface 43 is generally used for establishing communication connection between the computer device 4 and other electronic devices.
The present application further provides another embodiment, which is to provide a computer-readable storage medium storing an interface display program, which is executable by at least one processor to cause the at least one processor to execute the steps of the method for supervising information of a financial product as described above.
Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better implementation manner. Based on such understanding, the technical solutions of the present application or portions thereof that contribute to the prior art may be embodied in the form of a software product, where the computer software product is stored in a storage medium (such as a ROM/RAM, a magnetic disk, and an optical disk), and includes several instructions for enabling a terminal device (which may be a mobile phone, a computer, a server, an air conditioner, or a network device) to execute the method according to the embodiments of the present application.
It is to be understood that the above-described embodiments are merely illustrative of some, but not restrictive, of the broad invention, and that the appended drawings illustrate preferred embodiments of the invention and do not limit the scope of the invention. This application is capable of embodiments in many different forms and is provided for the purpose of enabling a thorough understanding of the disclosure of the application. Although the present application has been described in detail with reference to the foregoing embodiments, it will be apparent to one skilled in the art that the present application may be practiced without modification or with equivalents of some of the features described in the foregoing embodiments. All equivalent structures made by using the contents of the specification and the drawings of the present application are directly or indirectly applied to other related technical fields, and all the equivalent structures are within the protection scope of the present application.
Claims (9)
1. An information supervision method of a financial product is applied to an information supervision system of the financial product, the information supervision system comprises a big data platform, a multi-level chain of custody, a city gateway and a portal chain, the city gateway is used for interaction of the multi-level chain of custody and the portal chain, and the information supervision method of the financial product comprises the following steps:
collecting data of the multi-level supervision chain based on a big data platform to obtain supervision information;
analyzing the supervision information, generating a first intelligent contract, and sending the first intelligent contract to the portal chain through the multi-level supervision chain, wherein the first intelligent contract is jointly written according to the user group condition of the financial product, the first intelligent contract comprises writing a financial-related contract in a non-flexible language, and writing a contract in a flexible-complete language on the aspect of the financial product, and the analyzing process comprises: acquiring historical data information and a current event in the supervision information; predicting and scoring the current event according to the historical data information in a reinforcement learning mode to obtain an evaluation result; generating a first intelligent contract of the current event according to the evaluation result;
the version of the first intelligent contract is updated through uploading update of a local improved version of the portal chain in the contract implementation process and uploading update of business process information of the portal chain, so that a second intelligent contract is obtained, and the second intelligent contract is sent to the multi-level monitoring chain;
and adopting the multi-level supervision chain to audit the second intelligent contract, and deploying the second intelligent contract to the portal chain after the audit is passed.
2. The method as claimed in claim 1, wherein the multi-level chain of custody is a tree structure, and the leaf nodes in each chain of custody supervise the portal chains in the jurisdiction.
3. The method of information governance of financial products according to claim 1, wherein said governance information comprises a unique identifier derived from a digital twin map of registration of a service asset on said multi-level chain of custody.
4. The information administration method of a financial product according to claim 3, further comprising:
establishing a timer for an event to be triggered at an expected time point, and issuing the timer to a target portal chain through a supervision chain at the expected time point;
and recording the timer in the big data platform under the chain of the multi-level chain of supervision, and constructing a contract on the portal chain in a mode of constructing a trusted timer under the chain through the trusted storage under the chain.
5. An information supervision device of a financial product, which is applied to an information supervision system of the financial product, wherein the information supervision system comprises a big data platform, a multi-level chain of custody, a city gateway and a portal chain, the city gateway is used for interaction between the multi-level chain of custody and the portal chain, and the information supervision device of the financial product comprises:
the information acquisition module is used for acquiring data of the multi-level supervision chain based on a big data platform to obtain supervision information;
an information analysis module, configured to analyze the supervision information, generate a first intelligent contract, and send the first intelligent contract to the portal chain through the multi-level supervision chain, where the first intelligent contract is jointly written according to user group conditions of a financial product, the first intelligent contract includes writing a financial-related contract in a non-flexible language, and writing a contract in a flexible-complete language for the financial product, and the analysis process includes: acquiring historical data information and a current event in the supervision information; predicting and scoring the current event according to the historical data information in a reinforcement learning mode to obtain an evaluation result; generating a first intelligent contract of the current event according to the evaluation result;
the information updating module is used for updating the version of the first intelligent contract through uploading and updating a local improved version of the portal chain in the contract implementation process and uploading and updating the business process information of the portal chain, obtaining a second intelligent contract and sending the second intelligent contract to the multi-level supervision chain;
and the contract deployment module is used for auditing the second intelligent contract by adopting the multi-level supervision chain, and deploying the second intelligent contract to the portal chain after the auditing is passed.
6. The information administration apparatus of financial products according to claim 5, wherein the information administration apparatus of financial products further comprises:
the contract issuing module is used for establishing a timer for an event to be triggered at an expected time point and issuing the event to a target portal chain through a supervision chain at the expected time point;
and the contract construction module is used for recording the timer in the big data platform under the chain of the multi-level supervision chain, and constructing the contract on the portal chain in a mode of constructing the trusted timer under the chain through the trusted storage under the chain.
7. The information supervision apparatus of financial products according to claim 5, wherein said information analyzing module comprises:
the information acquisition unit is used for acquiring historical data information and current events in the supervision information;
the information evaluation unit is used for predicting and scoring the current event according to the historical data information in a reinforcement learning mode to obtain an evaluation result;
and the contract generating unit is used for generating a first intelligent contract of the current event according to the evaluation result.
8. A computer device comprising a memory, a processor and a computer program stored in the memory and executable on the processor, wherein the processor when executing the computer program implements a method of information governance of a financial product according to any one of claims 1 to 4.
9. A computer-readable storage medium storing a computer program, wherein the computer program, when executed by a processor, implements the method of information governance of a financial product according to any one of claims 1 to 4.
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