CN107193986B - Public checking method for internet financial data - Google Patents
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- CN107193986B CN107193986B CN201710391391.8A CN201710391391A CN107193986B CN 107193986 B CN107193986 B CN 107193986B CN 201710391391 A CN201710391391 A CN 201710391391A CN 107193986 B CN107193986 B CN 107193986B
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Abstract
The invention discloses a public checking method for internet financial data, and belongs to the technical field of data processing. The method comprises the steps of individual investment data query, missing report supplement, wrong report correction and enterprise operation index statistics. By adopting the method provided by the invention, the public user can be proved to be invested in the Internet financial enterprise and normally monitored by the national authority; providing a technical support platform for monitoring investment and financing risks of internet financial enterprises for the country; the internet financial investment management system provides a referential national authority entrance which can track investment for internet financial investment users, helps the internet users to manage money safely and rationally, and reduces the investment risk. The invention has strong practicability and popularization, helps the internet financial investment users to manage money safely, and has wide application prospect.
Description
Technical Field
The invention belongs to the technical field of data processing, relates to the field of services such as public inquiry, public feedback, feedback verification, enterprise data authenticity correction and the like of various internet financial enterprise transaction data by a national internet financial monitoring department (responsible for a national internet emergency center), and particularly relates to a public inspection method for internet financial data.
Background
With the increasing access quantity of the national internet finance monitoring department (hereinafter referred to as the national monitoring department) to the internet finance (internet financial point-to-point loan platform) enterprises, the problems of integrity and authenticity of transaction data occur. Because the enterprise access data verification method has no uniform standard, the authenticity of enterprise data accessed by the national monitoring department is difficult to ensure.
Disclosure of Invention
The invention provides a public checking method for internet financial data, which is applied to a national internet emergency center (hereinafter referred to as a center) and realizes the checking of the authenticity of the accessed internet financial enterprise data by utilizing an internet financial investment user (hereinafter referred to as the public) self-checking mode in order to solve the problem of the authenticity of enterprise data in the prior art.
The invention provides a public checking method for internet financial data, which comprises the steps of inquiring personal investment data, supplementing missing reports, correcting false reports, counting enterprise operation indexes and the like, and specifically comprises the following steps:
first, the personal investment data is queried.
The public inquires the investment data of the public in the internet financial enterprise (hereinafter referred to as enterprise) from the financial information base of the national monitoring department, wherein the investment data is derived from the financial transaction data accessed by the national monitoring department. In the aspect of investment data security, personal information of the public adopts an irreversible encryption algorithm to transmit a hash value, the hash value returned by the public in the process of public query is compared with an information base through encryption, investment data of the public in a corresponding enterprise is queried, and the secure query of the personal investment data is realized.
The invention supports the public to safely inquire the information base of the national monitoring department, all the inquiry processes are ciphertext matched in the whole process, and each public can only inquire the own investment data in the accessed enterprise.
Step two, missing report supplement;
when the public does not inquire the investment data of the public in the enterprise in the information base of the national monitoring department, the public initiates the feedback of missing report to the national monitoring department through a web system or a mobile phone APP; and (4) sorting the missed investment records, wherein the missed investment records comprise investment project information, an investment record page, an investment order page, a short message screenshot and the like, uploading the real investment project information and related certification materials to a national monitoring department through a web system or a mobile phone APP in sequence, and waiting for the auditing treatment of the related department.
The invention supports the reporting and feedback of the investment data which is not inquired by the public, and the public can feed back the investment data and the reporting certification material thereof through the relevant media and feed back the real investment record in the enterprise.
Thirdly, error report correction;
when investment data inquired by the public in an information base of the national monitoring department is not matched with the real investment of the public in an enterprise, the feedback of missing reports can be initiated to the national monitoring department through a web system or a mobile phone APP. Firstly, the certification materials of the real investment of the user are arranged, wherein the certification materials comprise investment projects and money, investment record pages, investment order pages, short message screenshots and the like, the real investment information and the relevant certification materials are sequentially uploaded to a national monitoring department through a web system or a mobile phone APP, and the certification materials are waited for the auditing treatment of the relevant department.
The invention supports the material reporting feedback when the inquiry result of the public in the information base of the national monitoring department is not matched with the actual investment of the individual in the enterprise. The public can fill in the description and report the proving material through the relevant media, and the real investment data of the enterprise is fed back, so that the error report correction is realized.
Fourthly, carrying out enterprise operation index statistics;
according to the investment data condition of the public in each enterprise, the real operation index of each platform is calculated, and the method comprises the following steps: the total transaction amount accumulated by the enterprise, the accumulated number of investors, the transaction number, the average investment amount, the borrowing balance, the M1 overdue rate and the like. And (4) counting the number of missed reports, the number of wrong reports and the like of each enterprise according to the inquiry and feedback conditions of the public in the information base of the national monitoring department.
The invention has the advantages that:
(1) the internet financial investment users, namely the public check the self investment condition in the national monitoring department, can verify that the public users invest in the internet financial enterprises and are normally monitored by the national authority.
(2) A technical support platform for monitoring investment and financing risks of internet financial enterprises is provided for the country.
(3) The internet financial investment management system provides a referential national authority entrance which can track investment for internet financial investment users, helps the internet users to manage money safely and rationally, and reduces the investment risk.
(4) The invention has strong practicability and popularization, helps the internet financial investment users to manage money safely, and has wide application prospect.
Drawings
FIG. 1 is a schematic diagram illustrating the inspection process of the public inspection method for Internet financial data according to the present invention;
fig. 2 is a diagram of an application example of the present invention.
Detailed Description
The present invention will be described in further detail with reference to the accompanying drawings and examples.
The invention provides a public checking method for internet financial data, which is a method for checking the integrity and authenticity of the internet financial enterprise data by public power on the basis of internet financial enterprise transaction data accessed by a national internet financial monitoring platform. The method comprises the steps of combing transaction data and business characteristics of accessed enterprises to form a national internet financial information base, and interacting with national internet financial investment users (hereinafter referred to as the public) through visual pages to realize the public inspection of investment data of internet financial enterprises; for the inquiry questions caused by the missed reports or the false reports of the enterprises, the public inquirers fill in real information and prove materials to report to the national monitoring department and initiate feedback; the national monitoring department checks and processes the information fed back by the public in time, ensures the accuracy and the reality of the national internet financial information base, and counts the operation index of the enterprise being monitored by the country based on the information base. The invention mainly provides crowdsourcing verification service for a national supervision department, namely a national internet emergency center (hereinafter referred to as a center). As shown in fig. 1, the public inspection method for internet financial data specifically includes the following steps:
firstly, inquiring personal investment data, which specifically comprises the following contents:
1-registration of Account number
The method for providing personal mobile phone numbers by Internet financial investment users, namely the public, registering in a short message authentication mode and completing personal information real names through a real name authentication entrance comprises the following steps: positive and negative identification card, hand-held identification card and uploading.
2-Enterprise data query
The information base of the national monitoring department provides the latest investment data of each enterprise in real time, and the fact that the internet financial investment users can inquire all personal investment data before the previous day is achieved.
3-selection of enterprises
According to the personal investment condition and the enterprise data accessed by the national monitoring department at present, the Internet financial investment user selects the enterprise which belongs to the investment of the user, and the system screens out all investment information under the current enterprise according to the selected enterprise.
4-list of products on-hand and historical investments
The system is used for quickly matching all product data lists of the existing and historical investment of the internet financial investment users from a national monitoring department according to a request initiated by the investment public, and responding to the internet financial investment users through a web page or a mobile phone APP, so that the internet financial investment users can conveniently compare and check the investment conditions of the internet financial investment users.
5-View product details
The public selects a certain investment product in the current holding and historical investment list, clicks through a web page or a mobile phone APP to check all details of the current holding or historical investment data, including detailed records of investment time, investment amount, annual income, product period, daily interest, redemption and the like.
And step two, missing report supplement.
6-whether to miss report
The public verifies the real investment conditions of the national monitoring departments and enterprises and judges whether the investment list or the project detail part fails to report data. If the report is not reported, the step 9 in the fourth step is carried out.
And thirdly, false report correction.
7-false report
The public makes artificial verification on the real investment conditions of the national monitoring department and enterprises, and judges whether the invested data is wrong or not, such as: the investment amounts are unequal.
8-information error correction
And processing the record of the artificial judgment investment errors of the public, and correcting the error information returned by the national monitoring department through a web page or a mobile phone APP.
And fourthly, filling information of missing report or error report.
9-addition of false alarm
And (4) processing the problem of missing report of the investment data artificially judged by the public, and missing report supplement is carried out on the missing data returned by the national monitoring department through a web page or a mobile phone APP.
10-filling information of missing report or error report
The method is characterized in that the public fills in the investment information of the individual under the enterprise according to the actual investment situation of the individual under the enterprise, confirms that the national monitoring department is the problem of investment record caused by enterprise report omission or false report, facilitates the detection of the enterprise by the country more favorably, and ensures the financial management safety of the public by evaluating and judging the investment safety of the enterprise.
11-proof of upload Material
The public inquiry personnel participating in the verification have a question about data and need to provide related certification materials, so that the feedback content can be effectively processed by the national monitoring department, and the phenomenon that the internet financial enterprise reports false data by adopting a cheating means while receiving and monitoring is avoided. The certification material can comprise files and pictures (short messages, screenshots and the like), and the national internet emergency center verifies and analyzes the uploaded material to finally complete the processing work of the user complaints.
The certification materials comprise investment projects, project periods, expected annual income, transaction dates, investment amount and the like, and are uploaded in a webpage screenshot mode or a short message screenshot mode.
12-national monitoring department review
After receiving the application of public feedback, the national monitoring department completes the quick audit of the feedback application by a background audit system in an automatic and manual processing mode, thereby ensuring the authenticity of the feedback.
13-informing the public of the inquiring person
And after the audit of the national monitoring department is finished, informing public inquirers of the processing result in a notification mode.
14-Notification of Enterprise verification data
And the national monitoring department verifies the result fed back by the public, determines that the data reported by the enterprise is wrong, and informs the enterprise to check the enterprise data according to the problem fed back by the public in time.
15-supplementing missing data
The enterprise checking data finds the data missing problem, and the missing data can be supplemented to the central information base in time, so that the checking work of the national monitoring department on the enterprise data is completed.
And fifthly, carrying out enterprise operation index statistics.
According to the investment data condition of the public in each enterprise, the real operation index of each platform is calculated, and the method comprises the following steps: the total transaction amount accumulated by the enterprise, the accumulated number of investors, the transaction number, the average investment amount, the borrowing balance, the M1 overdue rate and the like. And (4) counting the number of missed reports, the number of wrong reports and the like of each enterprise according to the inquiry and feedback conditions of the public in the information base of the national monitoring department.
Application example
As shown in fig. 2, an internet financial investment user (public) initiates an investment query request in a certain enterprise to a national monitoring department through a web page or a mobile phone APP, and the system automatically processes the query request and returns all investment product information and a historical investment product information list corresponding to the public personal under the enterprise to the page. The public checks the data responded from the national monitoring department according to the actual investment of the individual in the enterprise, and if no problem exists, the public completes the check; if the problems of missed reports and wrong reports exist, feedback is sent to a national monitoring department through a web system and a mobile phone APP entrance, information of missed reports and wrong reports is filled, and a proving material is uploaded to wait for the national monitoring department to check and finish checking.
Claims (1)
1. A public checking method for Internet financial data is characterized in that: the method comprises the steps of individual investment data query, missing report supplement, wrong report correction and enterprise operation index statistics, and specifically comprises the following steps:
first, individual investment data query
(1) Registering an account number
(2) Enterprise data query
The information base of the national monitoring department provides the latest investment data of each enterprise in real time, and the internet financial investment user can inquire all personal investment data before the previous day;
(3) selecting a business
According to the personal investment condition and enterprise data accessed by the current national monitoring department, the Internet financial investment user selects the enterprise which belongs to the investment of the user, and the system screens out all investment information under the current enterprise according to the selected enterprise;
(4) list of products on current and historical investments
The system quickly matches all product data lists of the existing and historical investments of the Internet financial investment users from a national monitoring department according to a request initiated by the investment public, and responds to the Internet financial investment users through a web page or a mobile phone APP;
(5) viewing product details
The public selects a certain investment product in the current holding and historical investment list, clicks to check all details of the current holding or historical investment data through a web page or a mobile phone APP, and the details comprise investment time, investment amount, annual income, product period, daily interest and redemption records;
step two, missing report supplement;
(6) whether to miss the newspaper
If the report is missed, turning to the step (9) in the fourth step;
thirdly, error report correction;
(7) whether or not to report by mistake
The public verifies the real investment situation of the national monitoring department and the enterprise artificially and judges whether the invested data is wrong or not;
(8) information error correction
Processing the record of the artificial judgment investment errors of the public, and correcting the error information returned by the national monitoring department through a web page or a mobile phone APP;
fourthly, filling information of missing report or error report;
(9) adding missing newspaper
Processing the problem that the investment data is not reported by the public, and performing non-report supplement on the missing data returned by the national monitoring department through a web page or a mobile phone APP;
(10) filling in missing or error information
The method comprises the steps that the public fills in the investment information of the individual under the enterprise according to the real investment situation of the individual in the enterprise, confirms that the national monitoring department is the problem of investment record caused by enterprise report omission or false report, facilitates the detection of the enterprise by the country, and ensures the financial management safety of the public by evaluating and judging the investment safety of the enterprise;
(11) uploading certification material
The certification materials comprise investment projects, project periods, expected annual income, transaction dates and investment amount, and are uploaded in a webpage screenshot mode or a short message screenshot mode;
(12) national monitoring department review
After receiving the application of public feedback, the national monitoring department completes the quick audit of the feedback application by adopting an automatic and manual processing mode through a background audit system, thereby ensuring the authenticity of the feedback;
(13) informing the public of the inquirers
After the audit of the national monitoring department is completed, informing public inquirers of the processing result in a notification mode;
(14) notifying enterprises of audit data
The national monitoring department checks the result fed back by the public, determines that the enterprise reported data is wrong, and informs the enterprise to check the enterprise data according to the problem fed back by the public in time;
(15) supplementing missing data
The enterprise checking data finds the data missing problem, and the missing data is supplemented to the central information base in time to complete the checking work of the enterprise data by the national monitoring department;
fifthly, carrying out enterprise operation index statistics;
according to the investment data condition of the public in each enterprise, the real operation index of each platform is counted, and according to the inquiry and feedback condition of the public in the information base of the national monitoring department, the number of missed reports and the number of wrong reports of each enterprise are counted;
the investment data is derived from the accessed financial transaction data of the national monitoring department; personal information of the public adopts an irreversible encryption algorithm to transmit a hash value, the hash value returned by encryption is compared with an information base during public inquiry, the investment data of the public in a corresponding enterprise is inquired, and the safe inquiry of the personal investment data is realized; the whole process of individual investment data query is matched with the ciphertext, and each public can only query the own investment data in the accessed enterprises.
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| CN201710391391.8A CN107193986B (en) | 2017-05-27 | 2017-05-27 | Public checking method for internet financial data |
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| CN201710391391.8A CN107193986B (en) | 2017-05-27 | 2017-05-27 | Public checking method for internet financial data |
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