CN107220892A - One kind melts data intelligence pretreating tool and method applied to magnanimity P2P net monetary allowances - Google Patents

One kind melts data intelligence pretreating tool and method applied to magnanimity P2P net monetary allowances Download PDF

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CN107220892A
CN107220892A CN201710392181.0A CN201710392181A CN107220892A CN 107220892 A CN107220892 A CN 107220892A CN 201710392181 A CN201710392181 A CN 201710392181A CN 107220892 A CN107220892 A CN 107220892A
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data
operator
net
check
magnanimity
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CN107220892B (en
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马秀娟
毛洪亮
王秀文
苏沐冉
张露晨
吴震
李焱余
唐积强
徐小磊
李传海
苏志坚
谢铭
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BEIJING SCISTOR TECHNOLOGY Co Ltd
National Computer Network and Information Security Management Center
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BEIJING SCISTOR TECHNOLOGY Co Ltd
National Computer Network and Information Security Management Center
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03Credit; Loans; Processing thereof

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Abstract

Melt data intelligence pretreating tool and method applied to magnanimity P2P net monetary allowances the invention discloses one kind, finance data can be borrowed to magnanimity P2P nets before standard financial services databases are arrived in storage, accurately and efficiently pre-processed, ensure the accuracy and validity of data, so as to set up the effective monitoring mechanism of P2P network loan platforms, effectively strengthen the supervision to P2P network loan platforms.Pretreatment includes setting up validity and completeness check rule, realizes the data check before storage;And data classification, data deduplication, data correction, data conversion, state computation, realize the data processing before storage;Most data are loaded into standard financial services databases at last.

Description

One kind melts data intelligence pretreating tool and method applied to magnanimity P2P net monetary allowances
Technical field
The present invention relates to data intelligence preprocess method is melted applied to magnanimity P2P net monetary allowances, belong to massive data processing Method field.
Background technology
In recent years, with the fast development of domestic internet finance, the internet financial platform layer of P2P network loan types Go out not poor.According to statistics, in nationwide by the end of in by the end of July, 2016, the P2P network loan platforms set up are up to more than 5000 Family, P2P nets borrow industry history turnover and break through 2,000,000,000,000.
However, while fast development, P2P network loans constantly trigger bad credit rate height, run away the equivalent risk event that takes place frequently, It is estimated that there are relevant issues in the platform close to half.It would therefore be highly desirable to by a unification monitor supervision platform, grasp each platform Specific investments and debt-credit situation, form the two-way monitoring of " information flow " and " cash flow ", carry out the big number of platform transaction data According to analysis, so as to set up the effective monitoring mechanism of P2P network loan platforms, effectively strengthen the supervision to P2P network loan platforms.
The effective monitoring and precisely analysis of extensive platform real-time transaction data are uniformly realized on single monitoring platform, just The verification of business data completeness is needed to have, the automatic identification of the problems such as realizing mistake, lack data.Therefore, accurately and efficiently Pretreatment is carried out to be particularly important.
The content of the invention
The invention aims to solve the above problems, propose that one kind melts data intelligence applied to magnanimity P2P net monetary allowances The instrument and method of pretreatment, are to access the present invention be directed to the intelligent preprocess method that magnanimity P2P nets borrow finance data Magnanimity finance data, the implementation method through intelligent preprocessing process to the whole process of business library storage.
The present invention's is applied to instrument and method that magnanimity P2P net monetary allowances melt data intelligence pretreatment, intelligence pretreatment bag Include classification, data deduplication, data correction, format analysis processing, data conversion, state computation of each manufacturer data etc..So as to aid in using Set up the internet data of financial transaction java standard library of specification in family.Mainly include:
1st, Various types of data completeness and efficiency verification rule is set up, the verification of data integrity and validity is realized;
2nd, pre-treatment is put in storage.
Completeness check rule mainly includes:Null value inspection, format checking etc.:
1st, null value inspection:Whether check field is empty;
2nd, format checking:Check whether the form of field conforms to the standard.
Validity check rule includes value threshold inspection, date format verification and self-defined etc.:
1st, it is worth threshold inspection:Check whether field value goes beyond the scope;
2nd, date format is verified:Whether the form of check data field meets defined form;
3rd, it is self-defined:New validity check rule is defined, operator is developed.
Storage pre-treatment includes:Data classification, data deduplication, data correction, data conversion, state computation, data loading Deng:
1st, data are classified:By enterprise to data category filter, it is input to respective channel and carries out data prediction flow;
2nd, data deduplication:Filter out repeated data;
3rd, data correction:By rejecting, the means such as shearing are not modified to missing, form to, the data-message such as abnormal Processing;
4th, data conversion:Different platform data type or type of transaction are inconsistent with central standard, are provided according to platform The table of comparisons is converted into type data, such as:1 represents investment data in ant gold clothes;And regulation 2 represents investment number in java standard library According to being now accomplished by data conversion and be adjusted.
5th, state computation:The product data (dissipate mark | financing) of P2P Wang Dai enterprises, product-specific investments and debt-credit state change are (full Mark, fail to be sold at auction, it is overdue, refund), it is necessary to be calculated by transaction journal data.Calculation formula:
(1) full scale:Investment amount>The base number of a tender amount of money;
(2) fail to be sold at auction:Without record of making loans;
(3) it is overdue:+ 8 days opening of bid time+time limit<Current time.
6th, data are loaded:The data that loading pretreatment passes through, into business library.
The present invention is ensures high efficiency, the scalability of intelligence pretreatment, using following technological means:
1st, data prediction is using distributed processing framework in real time, the spy consumed using the batch of Distributed Message Queue Point, by formulating and developing data integrity, validity check rule, realizes the real-time inspection to data integrity, validity And processing;
2nd, the loose coupling of intermodule is realized by message queue, the scalability and robustness of system is improved;
3rd, operator specification and operator extension.Operator is to follow certain specification exploitation, realizes certain aspect pretreatment of data Program bag.Such as NULLCHECK operator, the date checks operator, and codomain checks that operator, character string check that operator, mess code check operator etc..
In the present invention, such as integrality and validity check rule can be seen as the operator in streaming task, can be with Whether " yyyy-MM-dd HH are met to such as exchange hour:mm:Ss " forms, or scattered mark state value whether 1,2,3 scope It is interior, or the field such as user profile mess code carries out completeness and efficiency verification.It can be calculated simultaneously by developing other verification rules Son extends validity and completeness check to data, it is only necessary to follow certain exploitation and packing specification.It is newly developed Operator upload to system by uploading interface, you can use.In terms of operator, system possesses following function:
(1) preset Operators, such as null value check that operator, date check operator;
(2) issue operator development specifications and packing specification;
(3) operator is uploaded, is system addition and growth data pretreatment potentiality.
The advantage of the invention is that:
1st, instrument of the invention, possesses distributed treatment feature, being capable of parallel computation, efficient process;Have simultaneously fault-tolerant System features in terms of property, expansible and persistence;
2nd, instrument of the invention, with very strong specific aim, efficiently can borrow finance data for magnanimity P2P nets and carry out intelligence Can pretreatment, with being widely applied very much prospect.
Brief description of the drawings
Fig. 1 is that net monetary allowance melts data prediction flow;
Fig. 2 is SAMZA+KAFKA real-time processing frame structure;
Fig. 3 is the SAMZA scheduling of resource flows based on YARN;
Fig. 4 is streaming applied framework design figure;
Fig. 5 is one of the present invention and applies example.
Embodiment
Below in conjunction with accompanying drawing, the present invention is described in further detail.
It is as shown in Figure 1 that magnanimity P2P net monetary allowances melt data intelligence pretreatment process.Data access Message Queuing system first, During pretreatment, with the role of consumer, the consumption data from message queue carries out integrality and validation verification first.If Checking does not pass through, will be transferred to dealing of abnormal data sub-process, and borrow platform return error code to net;If the verification passes, it will turn Enter and handle sub-process, carry out the operation such as data classification, data deduplication, data correction, data conversion, state computation, most net at last Borrow finance data and be loaded into internet financial business storehouse.
Data prediction is using distributed processing framework in real time.By analyzing SAMZA+KAFKA, STORM and SPARK STREAMING analysis and research, selection uses SAMZA+KAFKA real-time processing framework.KAFKA is used as a distributed message Queue system, has been realized in many core infrastructures of Stream Processing framework bottom;And SAMZA is distributed as one Stream data handles framework, is natively integrated with KAFKA Distributed Message Queues, and it, which is given tacit consent to, realizes it is based on KAFKA.
As shown in Fig. 2 the data integrity, validity check rule in the present invention are all located in real time as SAMZA+KAFKA Manage a work JOB in framework.SAMZA JOB basic handling flow is a user task from one or more Data are read in inlet flow, after certain processing, then is output in one or more output streams, is specifically mapped to KAFKA Upper is exactly to read in data from one or more TOPIC/PARTITION, then is written out to another or multiple TOPIC/PARTITION In;Multiple JOB, which are together in series, just completes the flow chart of data processing of streaming.
SAMZA+KAFKA this real-time tupe is somewhat like MapReduce process, STREAM importations in fact Subregion and task (Task) number are determined by KAFKA TOPIC/PARTITION, similar to a Map process, during output by User Task specifies TOPIC and subregion (or framework determines subregion by Key automatically), this process equivalent to a Shuffle, When next JOB reads new STREAM, it is believed that be a Reduce, it is also assumed that being opening for next Map processes Begin.Difference is end of the series connection between JOB without waiting for a upper JOB, and real-time message distribution mechanism is determined The JOB entirely connected is continuous continual, that is, streaming.
SAMZA carries out resource allocation scheduling (scheduler module can be replaced, and acquiescence uses YARN) such as Fig. 3 using YARN It is shown.SAMZA AM are responsible for JOB scheduling, and Task runner are responsible for user TASK operation, by KAFKA and YARN help, SAMZA is achieved the characteristic in terms of its distribution/fault-tolerance/expansible/persistence.
The instrument of the present invention, user can build preprocessing tasks by graphical interfaces.It is one or more pre- by adding Operator is handled, and configures the operational factor of each operator, a streaming task is constituted.Fig. 4 is setting for streaming application framework Meter figure, its operational process is described as follows:
(1) operator 1 is called:Processing data is sent to topic1 as the producer;
(2) operator 2 is called:The data after data processing are obtained from topic1 as consumer and send operator 3.It is other Operator is by that analogy.
(3) abnormal data is found:Abnormal data is sent to abnormal topic, handled by abnormality processing operator, and is borrowed to net Platform returns to error code.
Net borrows the basic procedure of platform data pretreatment:
(1) basic data is classified by platform, and transformation rule is formulated according to each platform character;
(2) data deduplication is handled, it is to avoid enterprise repeats reported data phenomenon;
(3) net, which is borrowed, dissipates mark data mode calculating, and it is real to calculate scattered mark according to transaction journal, base number of a tender attribute, time several dimensions Border state;
(4) dissipate mark end-state and calculate extraction;
(5) net, which is borrowed, dissipates mark trade classification, sets rule according to amount of money scope and field contents, industrial applications are stamped to scattered mark Label;
(6) type of transaction normalizing, according to the stateful transaction specification (referring to table 1) of established a set of unified standard, to not Calculating is normalized in stateful transaction with enterprise, is synchronized to business library;
(7) invalid data is filtered, and deletion filtering is carried out to historical test data and the expired data without transaction process;
(8) dictionary data is extracted, and data report batch code, national region code, telephone number etc..
1st, instrument of the invention, finance data is borrowed for magnanimity P2P nets, sets up validity and completeness check rule, real Data check before being now put in storage;And data classification, data deduplication, data correction, data conversion, state computation, realize storage Preceding data processing.
2nd, instrument of the invention, by distributed processing framework in real time, while being disappeared using the batch of Distributed Message Queue The characteristics of taking, by formulating and developing data integrity, validity check rule, realize to data integrity, the reality of validity When check and handle so that ensure pretreatment high efficiency, robustness and scalability.
3rd, instrument of the invention, operator definitions and implementation are the big key elements for ensureing flexibility and autgmentability.Formulate and send out Cloth operator is developed and packing specification, the operator that preset acquiescence is realized, and can be developed and be extended according to operator specification;In this hair In bright, such as integrality and validity check rule can be seen as the operator in streaming task, be operations in distributed task scheduling.
4th, there is provided visual modeling tool for instrument of the invention.User can build pretreatment by graphical interfaces and appoint Business.By adding one or more preconditioning operators, and configure the operational factor of each operator, each operator completes different pre- Processing function, constitutes a streaming task.In the present invention, operator can be dragged to by way of dragging from operator list Workspace, and operator parameter configuration area is opened simultaneously, select and configure after multiple operators, save as a preprocessing tasks, So as to provide preferable Consumer's Experience.
5th, instrument of the invention, basic data can be borrowed platform classification by net, borrowed platform character for different nets, formulated phase The transformation rule answered, so that it is guaranteed that can correctly be converted into normal data from the data that different nets borrow platform.Meanwhile, it is capable to enter Row repeated data is screened, and prevents net from borrowing platform data and repeating to report the generation of phenomenon, so that it is guaranteed that later data statistics and analysis As a result accuracy.
6th, instrument of the invention, can complete the scattered mark data mode of net loan and calculate:According to transaction journal, base number of a tender attribute, when Between several dimensions calculate dissipate mark virtual condition;Net can be completed and borrow scattered mark trade classification:Set according to amount of money scope and field contents Set pattern then, industrial applications label is stamped to scattered mark;
Using example:
As shown in figure 5, each P2P nets borrow platform, such as ant gold takes, pats loan, preferably believes, by data access layer, enters Enter KAFKA message queues.Data by the present invention provide instrument --- magnanimity P2P net monetary allowances melt data prediction, pass through number According to loading, into standard financial services databases.
Table 1 --- stateful transaction specification sheet:

Claims (7)

1. one kind melts data intelligence preprocess method applied to magnanimity P2P net monetary allowances, it is characterised in that data access message queue System, carries out data prediction, with the role of consumer, the consumption data from message queue, carries out integrality and validity is tested Card, if checking does not pass through, is transferred to dealing of abnormal data sub-process, and borrows platform return error code to net, if the verification passes, Processing sub-process is transferred to, storage pre-treatment is carried out, data classification, data deduplication, data correction, data conversion, state meter is carried out Calculate, data are loaded, most net borrows finance data and is loaded into internet financial business storehouse at last.
2. the integrity verification function described in claim 1 includes, null value inspection and format checking, null value inspection refer to check word Whether section is empty, and format checking refers to whether the form for checking field conforms to the standard.
3. the validation verification function described in claim 1 includes the inspection of value threshold, date format verification and self-defined validity school Test, value threshold inspection refers to check whether field value goes beyond the scope, date format verification refers to that the form of check data field is Form as defined in no satisfaction, self-defined validity check refers to customized validity check rule.
4. the storage pre-treatment described in claim 1, specifically comprising following committed step:
(1) data are classified:By enterprise to data category filter, it is input to respective channel and carries out data prediction flow;
(2) data deduplication:Filter out repeated data;
(3) data correction:Processing is not modified to, abnormal data message to missing, form;
(4) data conversion:Different platform data type or type of transaction and central standard are inconsistent, the control provided according to platform Table is converted into type data.
(5) state computation:The product data (dissipate mark | financing) of P2P Wang Dai enterprises, product-specific investments and debt-credit state change (full scale, Fail to be sold at auction, it is overdue, refund), it is necessary to be calculated by transaction journal data, calculation formula:
<1>Full scale:Investment amount>The base number of a tender amount of money;
<2>Fail to be sold at auction:Without record of making loans;
<3>It is overdue:+ 8 days opening of bid time+time limit<Current time;
(6) data are loaded:The data that loading pretreatment passes through, into business library.
5. the data prediction described in claim 1 is using distributed processing framework in real time, i.e., using the real-time of SAMZA+KAFKA Handle framework.
6. one kind melts data intelligence pretreating tool applied to magnanimity P2P net monetary allowances, task is built by graphical interfaces, added many Individual operator, and the operational factor of each operator is configured, a streaming task is constituted, data prediction, logarithm are realized by operator According to integrality and validation verification is carried out, if checking does not pass through, dealing of abnormal data is carried out, borrowing platform to net returns to mistake Code, if the verification passes, data classification, data deduplication, data correction, data conversion, state computation, data is realized by algorithm Loading, finally borrows finance data by net and is loaded into internet financial business storehouse.
7. the operator described in claim 6, which includes NULLCHECK operator, date, checks that operator, codomain check operator, character string inspection Operator, mess code check operator etc..Meanwhile, user can develop according to operator specification and apply new operator.
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CN108154431A (en) * 2018-01-17 2018-06-12 北京网信云服信息科技有限公司 A kind of target raises condition processing method and device
CN108154431B (en) * 2018-01-17 2021-07-06 北京网信云服信息科技有限公司 Target recruitment state processing method and device
CN108446973A (en) * 2018-02-28 2018-08-24 四川新网银行股份有限公司 Credit solution on a kind of conventional banking facilities line based on finance opening platform
CN109635162A (en) * 2018-12-18 2019-04-16 北京九章云极科技有限公司 A kind of data processing system and method
CN111724178A (en) * 2019-03-18 2020-09-29 河南省技术产权交易所有限公司 Intellectual property entrusting quotation method, system and computer readable storage medium
CN110020952A (en) * 2019-04-12 2019-07-16 李升东 A kind of finance data processing method and device
CN111047431A (en) * 2019-12-11 2020-04-21 深圳微众信用科技股份有限公司 Credit service processing device, method and equipment based on big data
CN111382579A (en) * 2020-01-13 2020-07-07 中船第九设计研究院工程有限公司 Data preprocessing verification platform of ship pipeline manufacturing execution system
CN112527820B (en) * 2020-12-09 2024-04-09 航天信息股份有限公司广州航天软件分公司 Method and system for uniformly checking various service application data
CN112527820A (en) * 2020-12-09 2021-03-19 航天信息股份有限公司广州航天软件分公司 Method and system for carrying out unified verification on various types of service application data
CN112632169A (en) * 2020-12-29 2021-04-09 永辉云金科技有限公司 Automatic financial data reporting method and device and computer equipment
CN113239188A (en) * 2021-04-21 2021-08-10 上海快确信息科技有限公司 Financial transaction conversation information analysis technical scheme
CN115242349A (en) * 2022-06-21 2022-10-25 苏州盈数智能科技有限公司 Enterprise-level data verification method and device, computer equipment and storage medium
CN115242349B (en) * 2022-06-21 2023-11-14 苏州盈数智能科技有限公司 Enterprise-level data verification method, enterprise-level data verification device, computer equipment and storage medium
CN115391838A (en) * 2022-10-27 2022-11-25 湖南三湘银行股份有限公司 Data interaction service platform based on trusted prediction machine
CN115391838B (en) * 2022-10-27 2023-02-28 湖南三湘银行股份有限公司 Data interaction service platform based on trusted prediction machine

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