CN111475557A - Platform construction system in general financial service platform data - Google Patents
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Abstract
The invention provides a data middling platform construction system of a general financial service platform, which belongs to the technical field of data processing and artificial intelligence, and comprises an application Saas layer, a platform service Pass layer and an infrastructure Iass layer; and (3) acquiring, calculating, storing and processing the data by using a big data technology, and unifying the standard and the caliber at the same time to form the data asset. The financial big data wind control model data service is generated by establishing a model for the data assets, and the financial science and technology service is more effectively provided.
Description
Technical Field
The invention relates to a data processing and artificial intelligence technology, in particular to a data middling station construction system of a general financial service platform.
Background
Metadata (Metadata) is data about data. In a data warehouse system, metadata can help data warehouse administrators and data warehouse developers to find data of interest to them very conveniently; metadata is data that describes the structure and method of building data within a data warehouse.
The big data is a data set with large scale which greatly exceeds the capability range of the traditional database software tools in the aspects of acquisition, storage, management and analysis, and has the four characteristics of large data scale, rapid data circulation, various data types and low value density.
The strategic significance of big data technology is not to master huge data information, but to specialize the data containing significance, and to provide basis for social and economic activities by mining information and knowledge of massive data. The data is reflected in the aspects of social and economic development prediction, decision and public service through various algorithms and analysis models.
Key technologies for big data processing generally include: big data collection, big data preprocessing, big data storage and management, big data analysis and mining, big data presentation and application (big data retrieval, big data visualization, big data application, big data security, etc.).
Artificial Intelligence (Artificial Intelligence), abbreviated in english as AI. The method is a new technical science for researching and developing theories, methods, technologies and application systems for simulating, extending and expanding human intelligence.
Artificial intelligence is a branch of computer science that attempts to understand the essence of intelligence and produce a new intelligent machine that can react in a manner similar to human intelligence, a field of research that includes robotics, language recognition, image recognition, natural language processing, and expert systems, among others. Since the birth of artificial intelligence, theories and technologies become mature day by day, and application fields are expanded continuously, so that science and technology products brought by the artificial intelligence in the future can be assumed to be 'containers' of human intelligence. The artificial intelligence can simulate the information process of human consciousness and thinking. Artificial intelligence is not human intelligence, but can think like a human, and can also exceed human intelligence.
The other is simulation (MODE L ING APPROACH) which is not only effective but also requires implementation of methods that are the same as or similar to those used by human or animal bodies, genetic algorithms (GENERIC A L GORITHM, GA for short) and artificial neural NETWORKs (ARTIFICIA L NEURA 2 NET, ANN for short) are the latter type, genetic algorithms simulate human or biological evolution-training mechanisms, artificial neural NETWORKs simulate the activities of nerve cells in the human or animal brain, both of which are generally applicable to obtain the same intelligent effect.
Disclosure of Invention
In order to solve the technical problems, the invention provides a data center platform construction system of a general financial service platform, which uses a big data technology to acquire, calculate, store and process data and simultaneously unifies standards and apertures, thereby forming data assets. The financial big data wind control model data service is generated by establishing a model for the data assets, and the financial science and technology service is more effectively provided.
The technical scheme of the invention is as follows:
a data center construction system of a general financial service platform,
the platform comprises an application Saas layer, a platform service Pass layer and an infrastructure Iass layer;
wherein,
the application of the Saas layer includes: the system comprises a financial supermarket, an online loan APP, a bank service system, a supervision system, a financial guarantee credit-increasing system, a loan transfer fund management system, a loan interest management system, a risk compensation fund management system, an operation management system and a financial intelligent model system;
finance supermarket provides financing service, including: loan product display, financial institution name book display, financial product recommendation, financing release requirements, loan application scenes, message pushing, order checking, intelligent customer service, policy interpretation, policy matching and news dynamics;
loan on line APP, the function includes: financial product retrieval, credit product application, credit data authorization, real name authentication, credit rating inquiry, credit record management, and "101 mode" online loan products.
The bank service system is used for improving the work efficiency of the loan process of a customer manager of a financial institution, helping the customer manager to popularize and obtain customers, know the investment and financing requirements of the customers in real time and immediately release financial products, and comprises the following steps: the method comprises the following steps of loan application order acceptance, wind control report checking, financing demand management, loan approval, post-loan early warning and data statistics statement; .
The supervision system is used for supervision and management work after the platform is on line, and carries out multidimensional visual statistics by using the operation data and the bank performance data, and the supervision and management work comprises the following steps: the method comprises the steps of platform operation condition monitoring, financing requirement satisfaction monitoring, loan amount analysis, region analysis, time analysis and data large-screen display.
The guarantee increase credit management system is used for solving the bottom-supporting fund management of payment to the bank by a guarantee company or an insurance company when small and medium-sized enterprises and individuals pay, and comprises the following steps: guarantee report, online compensation application, compensation application examination and approval, online money-drawing management, electronic guarantee letter and risk early warning;
the transfer loan fund management system combines the bank and the transfer loan fund to provide transfer loan service for medium and small enterprises, and comprises the following steps: enterprise online application, bank online examination and approval, loan transfer fund release, loan return and fund supervision.
The loan interest management system establishes a loan interest resource information base, realizes the process supervision of interest loan application, audit and payment and provides an interest loan analysis report, and comprises the following steps: loan basic information management, interest resource information base, interest fund budget management, interest fund examination and payment, and interest loan report;
the risk compensation fund management system is used for realizing online application confirmation, expert evaluation, bank evaluation and background monitoring management of compensation for small and medium-sized micro enterprises and individual industrial and commercial enterprises with single account credit of 1000 ten-thousand yuan or less, and comprises the following steps: online compensation application, application acceptance and verification, compensation approval, compensation management and bank approval and payment.
The operation management system is mainly used for a platform operator to use, is used for the operation work after the platform is on line, and comprises: policy dynamic updating, news dynamic management, social intermediary service organization information release management, loan product auditing, policy pushing, online primary review and bank performance monitoring;
the financial intelligent model system provides a financial service AI model of a full life cycle, and the system constructs the financial service AI model aiming at different scenes of financial services.
The platform service Pass layer is composed of a big data distributed acquisition system, a deep learning AIStation, ET L data integration system, an intelligent decision engine, a search engine, an N L P semantic context analysis word bank and image recognition feature bank related components;
the big data distributed acquisition system provides internet and government affair data acquisition services for the Saas layer;
deep learning AIStation, N L P semantic context analysis word library and image recognition feature library are combined to provide image recognition, natural language semantic analysis, financial service AI model creation and training for the Saas application layer.
The intelligent decision engine provides decision workflow service for an application Saas layer bank service system, a guarantee and credit increase management system, a loan transfer fund management system, a loan interest management system and a risk compensation fund management system;
the search engine provides financial product search service for the financial supermarket applying the Saas layer.
The infrastructure Iass layer provides data and network load services for the platform service Pass layer by means of a hardware deployment environment.
The invention has the advantages that
The large data technology is used for collecting, calculating, storing and processing mass government and internet financial data, meanwhile, the standard and the caliber are unified, and data assets are formed from pages. The financial big data wind control model is generated by establishing the model of the data assets, and efficient financial data service is further provided for governments, banks and enterprises.
Drawings
FIG. 1 is a schematic workflow diagram of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention clearer and more complete, the technical solutions in the embodiments of the present invention will be described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some, but not all, embodiments of the present invention, and based on the embodiments of the present invention, all other embodiments obtained by a person of ordinary skill in the art without creative efforts belong to the scope of the present invention.
As shown in fig. 1, the present invention relates to a system architecture which adopts a three-layer architecture of application Saas layer, platform service Pass layer and infrastructure Iass layer. Wherein:
1. applying Saas layers
The Saas layer is applied to provide financial science and technology services in the general field of general finance. The detailed functions are as follows:
financial supermarkets provide financing services for small and medium-sized micro-enterprises, civil-encyclopedias, individual wages, individuals and the like with financing requirements in the whole market, and have the main functions of: loan product display, financial institution directory display, financial product recommendation, financing release requirements, loan application scenarios, message push, order viewing, intelligent customer service, policy interpretation, policy matching, news dynamics, and the like.
The online credit APP is completed by adopting an independent APP or urban network micro-application, and has the main functions of: financial product retrieval, credit product application, credit data authorization, real name authentication, credit rating inquiry, credit record management, "101 mode" online loan products, and the like.
The bank service system is used for improving the working efficiency of the loan process of a customer manager of a financial institution, helping the customer manager to popularize and obtain customers, know the investment and financing requirements of the customers in real time and immediately release financial products, and has the main functions of: the method comprises the steps of loan application order acceptance, wind control report checking, financing demand management, loan approval, post-loan early warning, data statistics and reporting and the like.
The supervision system is mainly used for a manager to use, is used for supervision and management work after a platform is on line, carries out multidimensional visual statistics by using operation data and bank performance data, and has the main functions of: the method comprises the following steps of platform operation condition monitoring, financing demand satisfaction monitoring, loan amount analysis, region analysis, time analysis, data large-screen display and the like.
The guarantee increase credit management system is used for solving the bottom-supporting fund management of payment for banks by guarantee companies or insurance companies when small and medium-sized enterprises and individuals pay, and has the main functions of: guarantee report, online compensation application, compensation application examination and approval, online money-drawing management, electronic guarantee letter, risk early warning and the like.
The transfer fund management system combines the bank and the transfer fund to provide convenient, efficient and low-cost transfer fund service for medium and small enterprises, improve the use efficiency of transfer fund, prolong the time limit of the use of the transfer fund by the enterprises and reduce the bridge risk of the enterprises, and has the main functions of: enterprise online application, bank online examination and approval, loan transfer fund release, loan return, fund supervision and the like.
The loan interest management system establishes a loan interest resource information base according to interest compensation policies, realizes the process supervision of interest loan application, examination and payment and provides an interest loan analysis report, and has the main functions of: loan basic information management, interest resource information base, interest fund budget management, interest fund examination and payment, interest loan report and the like.
The risk compensation fund management system is used for realizing online application confirmation, expert evaluation, bank evaluation and background monitoring management of compensation fund for small and medium-sized micro enterprises and individual industrial and commercial enterprises (including enterprise legal personnel representatives) with single-account credit of 1000 ten-thousand yuan or less, and has the main functions of: compensation online application, application acceptance and verification, compensation approval, compensation management, bank approval and payment and the like.
The operation management system is mainly used for a platform operator to use and for operation work after the platform is on line, and has the main functions of: the method comprises the steps of policy dynamic updating, news dynamic management, social intermediary service organization information release management, loan product auditing, policy pushing, online primary review, bank performance monitoring and the like.
The financial intelligent model system provides a financial service AI model of a full life cycle by means of artificial intelligence and deep learning services provided by a platform service Pass layer deep learning AIStation and an image recognition feature library on the basis of related data, and constructs the financial service AI model aiming at different scenes of financial services (such as bank loan admission, enterprise scoring, enterprise credit reports, electronic guarantee benefits, interest loan analysis reports, risk supervision after loan, financial supermarket intelligent recommendation and the like).
2. Platform services Pass layer
The platform service Pass layer is composed of a big data distributed acquisition system, a deep learning AIStation, an ET L data integration system, an intelligent decision engine, a search engine, an N L P semantic context analysis word bank and image recognition feature bank related components, and provides the following services for the application Saas layer:
the big data distributed acquisition system provides internet and government affair data acquisition services for the Saas layer;
deep learning AIStation, N L P semantic context analysis word library and image recognition feature library are combined to provide image recognition (for human image verification of financial intelligent model system creation method), natural language semantic analysis, financial service AI model creation and training for the Saas layer.
The intelligent decision engine provides decision workflow service for the Saas layer bank service system, the guarantee and credit increase management system, the loan transfer fund management system, the loan interest management system and the risk compensation fund management system.
The search engine provides financial product search service for the financial supermarket applying the Saas layer.
3. Infrastructure Iass layer
The infrastructure Iass layer provides services such as data and network load to the platform service Pass layer by means of a hardware deployment environment.
The above description is only a preferred embodiment of the present invention, and is only used to illustrate the technical solutions of the present invention, and not to limit the protection scope of the present invention. Any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention shall fall within the protection scope of the present invention.
Claims (8)
1. A platform construction system of a general financial service platform data is characterized in that,
the platform comprises an application Saas layer, a platform service Pass layer and an infrastructure Iass layer;
wherein,
the application of the Saas layer includes: the system comprises a financial supermarket, an online loan APP, a bank service system, a supervision system, a financial guarantee credit-increasing system, a loan transfer fund management system, a loan interest management system, a risk compensation fund management system, an operation management system and a financial intelligent model system;
the platform service Pass layer is composed of a big data distributed acquisition system, a deep learning AIStation, ET L data integration system, an intelligent decision engine, a search engine, an N L P semantic context analysis word bank and image recognition feature bank related components;
the infrastructure Iass layer provides data and network load services for the platform service Pass layer by means of a hardware deployment environment.
2. The method of claim 1,
finance supermarket provides financing service, including: loan product display, financial institution name book display, financial product recommendation, financing release requirements, loan application scenes, message pushing, order checking, intelligent customer service, policy interpretation, policy matching and news dynamics;
loan on line APP, the function includes: financial product retrieval, credit product application, credit data authorization, real name authentication, credit rating inquiry, credit record management, and "101 mode" online loan products.
3. The method of claim 1,
the bank service system is used for improving the work efficiency of the loan process of a customer manager of a financial institution, helping the customer manager to popularize and obtain customers, know the investment and financing requirements of the customers in real time and immediately release financial products, and comprises the following steps: the method comprises the following steps of loan application order acceptance, wind control report checking, financing demand management, loan approval, post-loan early warning and data statistics statement;
the supervision system is used for supervision and management work after the platform is on line, and carries out multidimensional visual statistics by using the operation data and the bank performance data, and the supervision and management work comprises the following steps: the method comprises the steps of platform operation condition monitoring, financing requirement satisfaction monitoring, loan amount analysis, region analysis, time analysis and data large-screen display.
4. The method of claim 1,
the guarantee increase credit management system is used for solving the bottom-supporting fund management of payment to the bank by a guarantee company or an insurance company when small and medium-sized enterprises and individuals pay, and comprises the following steps: guarantee report, online compensation application, compensation application examination and approval, online money-drawing management, electronic guarantee letter and risk early warning;
the transfer loan fund management system combines the bank and the transfer loan fund to provide transfer loan service for medium and small enterprises, and comprises the following steps: enterprise online application, bank online examination and approval, loan transfer fund release, loan return and fund supervision.
5. The method of claim 1,
the loan interest management system establishes a loan interest resource information base, realizes the process supervision of interest loan application, audit and payment and provides an interest loan analysis report, and comprises the following steps: loan basic information management, interest resource information base, interest fund budget management, interest fund examination and payment, and interest loan report;
the risk compensation fund management system is used for realizing online application confirmation, expert evaluation, bank evaluation and background monitoring management of compensation for small and medium-sized micro enterprises and individual industrial and commercial enterprises with single account credit of 1000 ten-thousand yuan or less, and comprises the following steps: online compensation application, application acceptance and verification, compensation approval, compensation management and bank approval and payment.
6. The method of claim 1,
the operation management system is mainly used for a platform operator to use, is used for the operation work after the platform is on line, and comprises: policy dynamic updating, news dynamic management, social intermediary service organization information release management, loan product auditing, policy pushing, online primary review and bank performance monitoring;
the financial intelligent model system provides a financial service AI model of a full life cycle, and the system constructs the financial service AI model aiming at different scenes of financial services.
7. The method of claim 1,
the big data distributed acquisition system provides internet and government affair data acquisition services for the Saas layer;
deep learning AIStation, N L P semantic context analysis word library and image recognition feature library are combined to provide image recognition, natural language semantic analysis, financial service AI model creation and training for the Saas application layer.
8. The method of claim 1,
the intelligent decision engine provides decision workflow service for an application Saas layer bank service system, a guarantee and credit increase management system, a loan transfer fund management system, a loan interest management system and a risk compensation fund management system;
the search engine provides financial product search service for the financial supermarket applying the Saas layer.
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