CN111754318A - Financial investment risk management method and system based on big data analysis - Google Patents
Financial investment risk management method and system based on big data analysis Download PDFInfo
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Abstract
The invention belongs to the technical field of financial investment risk management, and discloses a financial investment risk management method and a financial investment risk management system based on big data analysis, wherein the financial investment risk management system based on big data analysis comprises: the system comprises a management account registration module, a financial data acquisition module, a main control module, a data encryption module, an investment risk assessment module, a business processing module, a transaction control module, a management authority setting module, a big data analysis module and a display module. The invention effectively solves the problem of larger potential safety hazard when the user uses the financial terminal through the business processing module, and improves the safety and confidentiality of user information; meanwhile, various parameters are flexibly adjusted and configured through the transaction control module according to the supervision requirements of the Internet electronic account, the flexibility and safety requirements of Internet finance are met, the safety and controllability of the Internet finance are ensured, and the application range and the safety are improved.
Description
Technical Field
The invention belongs to the technical field of financial investment risk management, and particularly relates to a financial investment risk management method and a system method based on big data analysis.
Background
Financial investments are also known as "securities investments". The economic subject is the investment activity of buying the financial assets such as stocks and bonds with funds for obtaining expected income or equity. Financial investments are both a field and a way of being a product of developed market economics and credit. Securities investment has become the most fundamental investment mode in western developed market economy countries. The securities purchasers become financial investors when an economic principal invests in the maintenance and expansion of substantial assets by issuing securities, such as stocks, bonds, and the like. A financial asset is a voucher for the equity and debt of its holder to its seller. Financial investors obtain returns by sharing securities, selling organizations profit and equity, by holding the securities. Since the financial assets make it possible to separate ownership and ownership of property, it helps to centralize social idle funds, convert them into capital investment for substantial production, is an important channel for mobilization and redistribution of funds, and thus is the basic form of investment in developed countries. However, the existing financial investment risk management method and system based on big data analysis have low security for financial business processing; meanwhile, the transaction control is complex and poor in flexibility.
In summary, the problems of the prior art are as follows: the existing financial investment risk management method and system based on big data analysis have low security on financial business processing; meanwhile, the transaction control is complex and poor in flexibility.
Disclosure of Invention
Aiming at the problems in the prior art, the invention provides a financial investment risk management method and system based on big data analysis.
The invention is realized in this way, a financial investment risk management system based on big data analysis includes:
the system comprises a management account registration module, a financial data acquisition module, a main control module, a data encryption module, an investment risk assessment module, a business processing module, an transaction control module, a management authority setting module, a big data analysis module and a display module;
the management account registration module is connected with the main control module and used for registering the financial investment risk management system account based on big data analysis through a registration program;
the financial data acquisition module is connected with the main control module and is used for acquiring financial data through acquisition equipment;
the main control module is connected with the management account registration module, the financial data acquisition module, the data encryption module, the investment risk assessment module, the business processing module, the transaction control module, the management authority setting module, the big data analysis module and the display module and is used for controlling the normal work of each module through a host;
the data encryption module is connected with the main control module and used for encrypting the financial data through an encryption program;
the investment risk assessment module is connected with the main control module and used for assessing the financial investment risk through an assessment program;
the business processing module is connected with the main control module and used for processing the financial business through a processing program;
the transaction control module is connected with the main control module and is used for controlling financial transactions through a control program;
the management authority setting module is connected with the main control module and used for setting the authority of the management account through an authority setting program;
the big data analysis module is connected with the main control module and used for analyzing the financial data through a big data analysis program;
and the display module is connected with the main control module and used for displaying the account registration information, the risk assessment result, the processing result and the analysis result through the display.
A financial investment risk management method based on big data analysis comprises the following steps:
registering a financial investment risk management system account based on big data analysis by using a registration program through a management account registration module; acquiring financial data by a financial data acquisition module by using acquisition equipment;
secondly, the main control module encrypts financial data by using an encryption program through a data encryption module;
thirdly, evaluating the financial investment risk by an investment risk evaluation module by using an evaluation program; processing the financial service by using a processing program through a service processing module;
step four, controlling the financial transaction by using a control program through a transaction control module; setting the authority of the management account by using an authority setting program through a management authority setting module; analyzing the financial data by a big data analysis module by using a big data analysis program;
and fifthly, displaying the account registration information, the risk assessment result, the processing result and the analysis result by using a display through a display module.
Further, the service processing module processing method comprises the following steps:
(1) configuring the working parameters of the financial server;
(2) receiving a service starting request sent by a user terminal through a server processing program, and responding to the service starting request so as to facilitate the user terminal to confirm that communication is connected;
(3) receiving authentication information sent by the user terminal after confirming communication connection, and verifying the authentication information; if the verification is passed, the transactable information of the financial terminal connected with the user terminal is returned to the user terminal; the financial terminal is non-interactive equipment;
(4) and receiving a transaction request sent by the user terminal according to the tradable information, processing the transaction request, and returning a processing result to the user terminal.
Further, the receiving, by the server processing program, a service initiation request sent by a user terminal, and responding to the service initiation request, so that the user terminal specifically determines that communication is connected includes:
the method comprises the steps of directly establishing a first communication connection with the user terminal, receiving a service starting request sent by the user terminal through the first communication connection, and responding to the service starting request through the first communication connection, so that the user terminal can confirm that communication is connected.
Further, the receiving, by the server processing program, a service initiation request sent by a user terminal, and responding to the service initiation request, so that the user terminal specifically determines that communication is connected includes:
(1.1) establishing a second communication connection with the user terminal through a third party intermediary communication unit;
(1.2) receiving a service starting request sent by the user terminal through the second communication connection, and responding to the service starting request through the second communication connection, so that the user terminal can confirm that the communication is connected.
Further, before receiving the transaction request sent by the user terminal according to the tradable information, processing the transaction request, and returning a processing result to the user terminal, the method further includes:
and communicating with other financial terminals in the same local area network, acquiring the tradable information of the other financial terminals, and returning the tradable information of the other financial terminals to the user terminal.
Further, the control method of the transaction control module comprises the following steps:
1) acquiring user identification information of financial transactions through communication equipment; acquiring product identification information of financial transaction; storing the acquired information through a server;
2) acquiring a security authentication mode and a quota control list matched with the financial transaction according to the user identification information and the product identification information;
3) configuring the quota control list according to an instruction input by a user, wherein the quota control list comprises a product identifier, a user identifier, a real name authentication level, a quota type, a maximum amount, a minimum amount, an excess processing mode, an account identifier and an account risk level;
4) calculating the limit amount corresponding to financial transactions of different limit types according to the limit control list;
5) judging whether the security authentication mode is correct or not according to the quota amount; if the sum is correct, judging whether the sum of the financial transaction is excessive according to the limited sum; and if the amount is not excessive, determining that the financial transaction is approved, and finishing the financial transaction.
Further, the user identification information includes:
a general subscriber identity and a VIP client identity.
Further, the product identification information includes:
an account category identification.
A big data analysis based financial investment risk management method as described above, further comprising the steps of:
registering an account of a financial investment risk management system based on big data analysis by using a registration program and an account registration window through a management account registration module;
acquiring original financial data by a financial data acquisition module through data acquisition equipment; acquiring original financial sample data to be cleaned through a data processing module;
determining at least one data screening mechanism for cleaning the original financial sample data, and acquiring a screening value set by a user for each data screening mechanism according to the original financial data;
screening the original financial sample data according to the at least one data screening mechanism and the screening value set by the user by using a data processing program, and cleaning the original financial data;
step five, after the cleaned financial data is encrypted by the data encryption module through an encryption program, the financial data is sent to a host through a wireless communication device;
controlling the normal work of each module of the financial investment risk management system based on big data analysis by using a host through a main control module;
evaluating the financial investment risk according to the decrypted financial data by using an evaluation program through an investment risk evaluation module;
step eight, configuring working parameters of the financial server through a service processing module, receiving a service starting request sent by a user terminal by using a service processing program, and responding to the service starting request so as to facilitate the user terminal to confirm that communication is connected;
step nine, receiving authentication information sent by the user terminal after confirming the communication connection, and verifying the authentication information; if the verification is passed, the transactable information of the financial terminal connected with the user terminal is returned to the user terminal; the financial terminal is non-interactive equipment;
step ten, receiving a transaction request sent by the user terminal according to the tradable information, processing the transaction request, and returning a processing result to the user terminal;
step eleven, acquiring user identification information of financial transaction by using communication equipment through a transaction control module, acquiring product identification information of the financial transaction, and storing the acquired information through a server;
step twelve, according to the user identification information and the product identification information, acquiring a security authentication mode and a quota control list matched with the financial transaction;
step thirteen, configuring the quota control list according to an instruction input by a user, wherein the quota control list comprises a product identifier, a user identifier, a real name authentication level, a quota type, a maximum amount, a minimum amount, an excess processing mode, an account identifier and an account risk level;
fourteen, calculating the limit amount corresponding to the financial transactions of different limit types according to the limit control list by using a transaction control program;
fifteen, judging whether the safety authentication mode is correct or not according to the quota amount; if the sum is correct, judging whether the sum of the financial transaction is excessive according to the limited sum; if the amount is not excessive, the financial transaction is confirmed to be approved, and the financial transaction is completed;
sixthly, setting the management account authority by using an authority setting program through a management authority setting module; analyzing the financial data by a big data analysis module by using a big data analysis program and generating an analysis report;
seventhly, storing account registration information, original financial data, an investment risk evaluation result and an analysis report by using a cloud database server through a cloud storage module;
eighteen, displaying the account registration information, the original financial data, the investment risk assessment result and the real-time data of the analysis report by using a display through a display module.
The invention has the advantages and positive effects that: the invention transfers the operation which needs to be finished by the user at the interactive equipment of the financial terminal to the user at the user terminal through the business processing module, thereby being difficult to be peeped by lawbreakers about the transaction information and content; and the user terminal is not fixed on the interactive equipment and is changed along with the change of the user, so that the card stealing device is prevented from being additionally installed by a lawbreaker, and the account password is prevented from being leaked. The embodiment of the invention effectively solves the problem of larger potential safety hazard when the user uses the financial terminal, and improves the safety and confidentiality of user information; meanwhile, each parameter in the quota control list is adjusted by the transaction control module according to the requirement of the user, the security authentication mode is flexibly configured for different users, each parameter is flexibly adjusted and configured according to the supervision requirement of the internet electronic account, the flexibility and security requirements of internet finance are met, the security and controllability of the internet finance are ensured, and the application range and the security are improved.
Drawings
FIG. 1 is a flow chart of a financial investment risk management method based on big data analysis according to an embodiment of the present invention.
Fig. 2 is a block diagram of a financial investment risk management system based on big data analysis according to an embodiment of the present invention.
Fig. 3 is a flowchart of a service processing module processing method according to an embodiment of the present invention.
Fig. 4 is a flowchart of a specific method for receiving a service initiation request sent by a user terminal through a server processing program and responding to the service initiation request so that the user terminal confirms that communication is connected according to the embodiment of the present invention.
Fig. 5 is a flowchart of a method for controlling a transaction control module according to an embodiment of the present invention.
In fig. 2: 1. a management account registration module; 2. a financial data acquisition module; 3. a main control module; 4. a data encryption module; 5. an investment risk assessment module; 6. a service processing module; 7. the transaction is controlled by the module; 8. a management authority setting module; 9. a big data analysis module; 10. and a display module.
Detailed Description
In order to further understand the contents, features and effects of the present invention, the following embodiments are illustrated and described in detail with reference to the accompanying drawings.
The structure of the present invention will be described in detail below with reference to the accompanying drawings.
As shown in fig. 1, the financial investment risk management method based on big data analysis provided by the invention comprises the following steps:
s101, registering an account of the financial investment risk management system based on big data analysis by using a registration program through a management account registration module; acquiring financial data by a financial data acquisition module by using acquisition equipment;
s102, the main control module encrypts financial data by using an encryption program through a data encryption module;
s103, evaluating the financial investment risk by an investment risk evaluation module by using an evaluation program; processing the financial service by using a processing program through a service processing module;
s104, controlling the financial transaction by using a control program through a transaction control module; setting the authority of the management account by using an authority setting program through a management authority setting module; analyzing the financial data by a big data analysis module by using a big data analysis program;
and S105, displaying the account registration information, the risk assessment result, the processing result and the analysis result by using a display through a display module.
As shown in fig. 2, the financial investment risk management system based on big data analysis according to the embodiment of the present invention includes: the system comprises a management account registration module 1, a financial data acquisition module 2, a main control module 3, a data encryption module 4, an investment risk assessment module 5, a business processing module 6, a transaction control module 7, a management authority setting module 8, a big data analysis module 9 and a display module 10.
The management account registration module 1 is connected with the main control module 3 and used for registering a financial investment risk management system account based on big data analysis through a registration program;
the financial data acquisition module 2 is connected with the main control module 3 and is used for acquiring financial data through acquisition equipment;
the main control module 3 is connected with the management account registration module 1, the financial data acquisition module 2, the data encryption module 4, the investment risk assessment module 5, the business processing module 6, the transaction control module 7, the management authority setting module 8, the big data analysis module 9 and the display module 10, and is used for controlling each module to normally work through a host;
the data encryption module 4 is connected with the main control module 3 and used for encrypting the financial data through an encryption program;
the investment risk assessment module 5 is connected with the main control module 3 and is used for assessing the financial investment risk through an assessment program;
the business processing module 6 is connected with the main control module 3 and is used for processing the financial business through a processing program;
the transaction control module 7 is connected with the main control module 3 and is used for controlling financial transactions through a control program;
the management authority setting module 8 is connected with the main control module 3 and used for setting the authority of the management account through an authority setting program;
the big data analysis module 9 is connected with the main control module 3 and is used for analyzing the financial data through a big data analysis program;
and the display module 10 is connected with the main control module 3 and is used for displaying the account registration information, the risk assessment result, the processing result and the analysis result through a display.
As shown in fig. 3, the processing method of the service processing module 6 provided by the present invention is as follows:
s201, configuring working parameters of a financial server;
s202, receiving a service starting request sent by a user terminal through a server processing program, and responding to the service starting request so as to facilitate the user terminal to confirm that communication is connected;
s203, receiving authentication information sent by the user terminal after confirming communication connection, and verifying the authentication information; if the verification is passed, the transactable information of the financial terminal connected with the user terminal is returned to the user terminal; the financial terminal is non-interactive equipment;
and S204, receiving the transaction request sent by the user terminal according to the transaction information, processing the transaction request, and returning a processing result to the user terminal.
The method for receiving the service starting request sent by the user terminal through the server processing program and responding to the service starting request so that the user terminal can confirm that the communication is connected specifically comprises the following steps:
the method comprises the steps of directly establishing a first communication connection with the user terminal, receiving a service starting request sent by the user terminal through the first communication connection, and responding to the service starting request through the first communication connection, so that the user terminal can confirm that communication is connected.
As shown in fig. 4, the receiving, by a server processing program, a service initiation request sent by a user terminal and responding to the service initiation request, so that the user terminal confirms that communication is connected specifically includes:
s301, establishing a second communication connection with the user terminal through a third party intermediary communication unit;
s302, receiving a service initiation request sent by the user terminal through the second communication connection, and responding to the service initiation request through the second communication connection, so that the user terminal confirms that communication is connected.
The method for receiving the transaction request sent by the user terminal according to the tradable information, processing the transaction request and returning the processing result to the user terminal, provided by the invention, further comprises the following steps:
and communicating with other financial terminals in the same local area network, acquiring the tradable information of the other financial terminals, and returning the tradable information of the other financial terminals to the user terminal.
As shown in fig. 5, the control method of the transaction control module 7 provided by the present invention is as follows:
s401, acquiring user identification information of financial transaction through communication equipment; acquiring product identification information of financial transaction; storing the acquired information through a server;
s402, acquiring a security authentication mode and a quota control list matched with the financial transaction according to the user identification information and the product identification information;
s403, configuring the quota control list according to an instruction input by a user, wherein the quota control list comprises a product identifier, a user identifier, a real name authentication level, a quota type, a maximum amount, a minimum amount, an excess processing mode, an account identifier and an account risk level;
s404, calculating the limit amount corresponding to the financial transactions with different limit types according to the limit control list;
s405, judging whether the security authentication mode is correct or not according to the quota amount; if the sum is correct, judging whether the sum of the financial transaction is excessive according to the limited sum; and if the amount is not excessive, determining that the financial transaction is approved, and finishing the financial transaction.
The user identification information provided by the invention comprises:
a general subscriber identity and a VIP client identity.
The product identification information provided by the invention comprises:
an account category identification.
The above description is only for the preferred embodiment of the present invention, and is not intended to limit the present invention in any way, and all simple modifications, equivalent changes and modifications made to the above embodiment according to the technical spirit of the present invention are within the scope of the technical solution of the present invention.
Claims (10)
1. A big data analysis based financial investment risk management system, comprising:
the system comprises a management account registration module, a financial data acquisition module, a main control module, a data encryption module, an investment risk assessment module, a business processing module, an transaction control module, a management authority setting module, a big data analysis module and a display module;
the management account registration module is connected with the main control module and used for registering the financial investment risk management system account based on big data analysis through a registration program;
the financial data acquisition module is connected with the main control module and is used for acquiring financial data through acquisition equipment;
the main control module is connected with the management account registration module, the financial data acquisition module, the data encryption module, the investment risk assessment module, the business processing module, the transaction control module, the management authority setting module, the big data analysis module and the display module and is used for controlling the normal work of each module through a host;
the data encryption module is connected with the main control module and used for encrypting the financial data through an encryption program;
the investment risk assessment module is connected with the main control module and used for assessing the financial investment risk through an assessment program;
the business processing module is connected with the main control module and used for processing the financial business through a processing program;
the transaction control module is connected with the main control module and is used for controlling financial transactions through a control program;
the management authority setting module is connected with the main control module and used for setting the authority of the management account through an authority setting program;
the big data analysis module is connected with the main control module and used for analyzing the financial data through a big data analysis program;
and the display module is connected with the main control module and used for displaying the account registration information, the risk assessment result, the processing result and the analysis result through the display.
2. The big-data-analysis-based financial investment risk management method according to claim 1, wherein the big-data-analysis-based financial investment risk management method comprises the steps of:
registering a financial investment risk management system account based on big data analysis by using a registration program through a management account registration module; acquiring financial data by a financial data acquisition module by using acquisition equipment;
secondly, the main control module encrypts financial data by using an encryption program through a data encryption module;
thirdly, evaluating the financial investment risk by an investment risk evaluation module by using an evaluation program; processing the financial service by using a processing program through a service processing module;
step four, controlling the financial transaction by using a control program through a transaction control module; setting the authority of the management account by using an authority setting program through a management authority setting module; analyzing the financial data by a big data analysis module by using a big data analysis program;
and fifthly, displaying the account registration information, the risk assessment result, the processing result and the analysis result by using a display through a display module.
3. The financial investment risk management system based on big data analysis according to claim 1, wherein the business process module processes as follows:
(1) configuring the working parameters of the financial server;
(2) receiving a service starting request sent by a user terminal through a server processing program, and responding to the service starting request so as to facilitate the user terminal to confirm that communication is connected;
(3) receiving authentication information sent by the user terminal after confirming communication connection, and verifying the authentication information; if the verification is passed, the transactable information of the financial terminal connected with the user terminal is returned to the user terminal; the financial terminal is non-interactive equipment;
(4) and receiving a transaction request sent by the user terminal according to the tradable information, processing the transaction request, and returning a processing result to the user terminal.
4. The financial investment risk management system based on big data analysis as claimed in claim 3, wherein the receiving a service initiation request from a user terminal through a server handler and responding to the service initiation request for the user terminal to confirm that communication is connected specifically comprises:
the method comprises the steps of directly establishing a first communication connection with the user terminal, receiving a service starting request sent by the user terminal through the first communication connection, and responding to the service starting request through the first communication connection, so that the user terminal can confirm that communication is connected.
5. The financial investment risk management system based on big data analysis as claimed in claim 3, wherein the receiving a service initiation request from a user terminal through a server handler and responding to the service initiation request for the user terminal to confirm that communication is connected specifically comprises:
(1.1) establishing a second communication connection with the user terminal through a third party intermediary communication unit;
(1.2) receiving a service starting request sent by the user terminal through the second communication connection, and responding to the service starting request through the second communication connection, so that the user terminal can confirm that the communication is connected.
6. The financial investment risk management system based on big data analysis as claimed in claim 3, wherein before receiving the transaction request sent by the user terminal according to the tradable information and processing the transaction request, returning the processing result to the user terminal, further comprises:
and communicating with other financial terminals in the same local area network, acquiring the tradable information of the other financial terminals, and returning the tradable information of the other financial terminals to the user terminal.
7. The financial investment risk management system based on big data analysis as claimed in claim 1, wherein the transaction control module control method is as follows:
1) acquiring user identification information of financial transactions through communication equipment; acquiring product identification information of financial transaction; storing the acquired information through a server;
2) acquiring a security authentication mode and a quota control list matched with the financial transaction according to the user identification information and the product identification information;
3) configuring the quota control list according to an instruction input by a user, wherein the quota control list comprises a product identifier, a user identifier, a real name authentication level, a quota type, a maximum amount, a minimum amount, an excess processing mode, an account identifier and an account risk level;
4) calculating the limit amount corresponding to financial transactions of different limit types according to the limit control list;
5) judging whether the security authentication mode is correct or not according to the quota amount; if the sum is correct, judging whether the sum of the financial transaction is excessive according to the limited sum; and if the amount is not excessive, determining that the financial transaction is approved, and finishing the financial transaction.
8. The big-data-analysis-based financial investment risk management system of claim 7, wherein the user identification information comprises:
a general subscriber identity and a VIP client identity.
9. The big-data-analysis-based financial investment risk management system of claim 7 wherein the product identification information comprises:
an account category identification.
10. The big-data-analysis-based financial investment risk management method according to claim 2, wherein the big-data-analysis-based financial investment risk management method further comprises the steps of:
registering an account of a financial investment risk management system based on big data analysis by using a registration program and an account registration window through a management account registration module;
acquiring original financial data by a financial data acquisition module through data acquisition equipment; acquiring original financial sample data to be cleaned through a data processing module;
determining at least one data screening mechanism for cleaning the original financial sample data, and acquiring a screening value set by a user for each data screening mechanism according to the original financial data;
screening the original financial sample data according to the at least one data screening mechanism and the screening value set by the user by using a data processing program, and cleaning the original financial data;
step five, after the cleaned financial data is encrypted by the data encryption module through an encryption program, the financial data is sent to a host through a wireless communication device;
controlling the normal work of each module of the financial investment risk management system based on big data analysis by using a host through a main control module;
evaluating the financial investment risk according to the decrypted financial data by using an evaluation program through an investment risk evaluation module;
step eight, configuring working parameters of the financial server through a service processing module, receiving a service starting request sent by a user terminal by using a service processing program, and responding to the service starting request so as to facilitate the user terminal to confirm that communication is connected;
step nine, receiving authentication information sent by the user terminal after confirming the communication connection, and verifying the authentication information; if the verification is passed, the transactable information of the financial terminal connected with the user terminal is returned to the user terminal; the financial terminal is non-interactive equipment;
step ten, receiving a transaction request sent by the user terminal according to the tradable information, processing the transaction request, and returning a processing result to the user terminal;
step eleven, acquiring user identification information of financial transaction by using communication equipment through a transaction control module, acquiring product identification information of the financial transaction, and storing the acquired information through a server;
step twelve, according to the user identification information and the product identification information, acquiring a security authentication mode and a quota control list matched with the financial transaction;
step thirteen, configuring the quota control list according to an instruction input by a user, wherein the quota control list comprises a product identifier, a user identifier, a real name authentication level, a quota type, a maximum amount, a minimum amount, an excess processing mode, an account identifier and an account risk level;
fourteen, calculating the limit amount corresponding to the financial transactions of different limit types according to the limit control list by using a transaction control program;
fifteen, judging whether the safety authentication mode is correct or not according to the quota amount; if the sum is correct, judging whether the sum of the financial transaction is excessive according to the limited sum; if the amount is not excessive, the financial transaction is confirmed to be approved, and the financial transaction is completed;
sixthly, setting the management account authority by using an authority setting program through a management authority setting module; analyzing the financial data by a big data analysis module by using a big data analysis program and generating an analysis report;
seventhly, storing account registration information, original financial data, an investment risk evaluation result and an analysis report by using a cloud database server through a cloud storage module;
eighteen, displaying the account registration information, the original financial data, the investment risk assessment result and the real-time data of the analysis report by using a display through a display module.
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