CN111815464A - Credit investigation method and device suitable for Internet of things intelligent terminal - Google Patents
Credit investigation method and device suitable for Internet of things intelligent terminal Download PDFInfo
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Abstract
The credit investigation method is applicable to an intelligent end of the Internet of things, and credit related information aiming at an enterprise to be subjected to credit investigation is acquired through an acquisition module; training a financial wind control model according to the credit related information through a training module, wherein the financial wind control model comprises data items and data processing modes required by the enterprise to be assessed; extracting data corresponding to the data items from an intelligent end of the internet of things for the enterprise to be assessed according to the financial wind control model through an extraction module; and finally, calculating a credit investigation result by using the data according to a data processing mode in the financial wind control model through a credit investigation calculation module. The device can accurately and quickly complete credit investigation operation aiming at small and micro enterprises, and has feasibility and usability for improving credit investigation safety. The utility model also provides a credit investigation device suitable for thing networking intelligent terminal.
Description
Technical Field
The disclosure relates to the technical field of intelligent hardware and mobile payment, in particular to a credit investigation method and device suitable for an intelligent end of the Internet of things.
Background
For a traditional financial institution, the credit investigation of a client mainly comes from basic production and operation conditions or bad credit records and other bad account behaviors, the investigation angle is single and one-sided, the credit article rating and credit line of an enterprise user excessively depend on subjective judgment and experience accumulation, the credit risk caused by judgment errors easily occurs, and accurate credit judgment is difficult to make for a newly added user.
For the above reasons, small micro-enterprises (registered capital <1000 ten thousand yuan) often face financing difficulties and expensive problems. The small micro-enterprise has high cost (> 18%) through the finance channels of guarantee, financing lease, warranty and supply chain, and the bank and insurance company have low capital cost (far lower than 8%), but the low-cost capital is difficult to flow into the small micro-enterprise due to strict wind control process. On the other hand, the loan platform which simply depends on big data or a block chain cannot fundamentally solve the problem of reliability of information sources, and cannot provide effective credit endorsements for small and micro enterprises.
Disclosure of Invention
In order to solve technical problems in the prior art, the embodiment of the disclosure provides a credit investigation method and a credit investigation device suitable for an internet of things intelligent terminal, which can accurately and quickly complete credit investigation operation for small and micro enterprises, and have feasibility and usability for improving credit investigation security.
In a first aspect, the embodiment of the present disclosure provides a credit investigation method applicable to an internet of things smart peer, where the method includes: acquiring credit related information aiming at an enterprise to be assessed; training a financial wind control model according to the credit related information, wherein the financial wind control model comprises data items and data processing modes required by the enterprise to be credit; extracting data corresponding to the data items from an Internet of things intelligent terminal aiming at the enterprise to be credit according to the financial wind control model; and calculating a credit investigation result by using the data according to a data processing mode in the financial wind control model.
In a second aspect, the disclosed embodiments provide a computer-readable storage medium, on which a computer program is stored, which when executed by a processor, implements the steps of the method described above.
In a third aspect, the disclosed embodiments provide a computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the steps of the method described above when executing the program.
In a fourth aspect, an embodiment of the present disclosure provides a credit investigation device suitable for an internet of things smart peer, the device includes: the acquisition module is used for acquiring credit related information of an enterprise to be assessed; the training module is used for training a financial wind control model according to the credit related information, wherein the financial wind control model comprises data items and data processing modes required by the enterprise to be credit; the extraction module is used for extracting data corresponding to the data items from an Internet of things intelligent terminal aiming at the enterprise to be assessed according to the financial wind control model; and the credit investigation calculation module is used for calculating a credit investigation result by using the data according to a data processing mode in the financial wind control model.
The credit investigation method and the credit investigation device suitable for the intelligent end of the Internet of things, provided by the invention, are used for acquiring credit related information aiming at an enterprise to be subjected to credit investigation; training a financial wind control model according to the credit related information, wherein the financial wind control model comprises data items and data processing modes required by the enterprise to be credit; extracting data corresponding to the data items from an Internet of things intelligent terminal aiming at the enterprise to be credit according to the financial wind control model; and calculating a credit investigation result by using the data according to a data processing mode in the financial wind control model. The method can accurately and quickly complete credit investigation operation aiming at small and micro enterprises, and has feasibility and usability for improving credit investigation safety.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present disclosure, the drawings needed to be used in the description of the embodiments are briefly introduced as follows:
fig. 1 is a schematic flow chart illustrating steps of a credit investigation method applied to an internet of things smart terminal in an embodiment of the present invention;
fig. 2 is an exemplary diagram of an edge intelligent camera in a credit investigation method applied to an intelligent terminal of the internet of things in an embodiment of the present invention;
fig. 3 is a schematic structural diagram of a credit investigation device suitable for an internet of things smart peer in an embodiment of the present invention;
fig. 4 is a hardware block diagram of a credit investigation device suitable for an internet of things smart peer in an embodiment of the present invention;
FIG. 5 is a schematic diagram of a computer-readable storage medium in one embodiment of the invention.
Detailed Description
The present application will now be described in further detail with reference to the accompanying drawings and examples.
In the following description, the terms "first" and "second" are used for descriptive purposes only and are not intended to indicate or imply relative importance. The following description provides embodiments of the disclosure, which may be combined or substituted for various embodiments, and this application is therefore intended to cover all possible combinations of the same and/or different embodiments described. Thus, if one embodiment includes feature A, B, C and another embodiment includes feature B, D, then this application should also be considered to include an embodiment that includes one or more of all other possible combinations of A, B, C, D, even though this embodiment may not be explicitly recited in text below.
In order to make the objects, technical solutions and advantages of the present invention more clearly understood, specific embodiments of a credit investigation method and a credit investigation device applicable to an intelligent terminal of the internet of things according to the present invention are described in detail below with reference to the accompanying drawings. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
As shown in fig. 1, a schematic flow chart of a credit investigation method suitable for an internet of things smart peer in an embodiment specifically includes the following steps:
and 11, acquiring credit related information aiming at the enterprise to be assessed.
Specifically, the obtaining of the credit related information for the enterprise to be assessed includes: obtaining the authorization of an enterprise to be assessed; and acquiring the data information of the enterprise to be credit through an intelligent end of the Internet of things.
And 12, training a financial wind control model according to the credit related information, wherein the financial wind control model comprises data items and data processing modes required by the enterprise to be credit.
It should be noted that the data item includes one of the following or any combination thereof: transaction data, inventory data, plant data.
And step 13, extracting data corresponding to the data items from the intelligent end of the internet of things for the enterprise to be assessed according to the financial wind control model.
It can be understood that the internet of things intelligent terminal of the enterprise to be assessed includes one or any combination of the following: edge intelligent camera, temperature sensor, humidity transducer, injection molding machine sensor, smart electric meter, intelligent water gauge, intelligent gas meter.
Specifically, as shown in fig. 2, the edge intelligent camera is designed by obliquely cutting feet and the concave-convex shape, the fan and the plate are placed side by side, the air outlet is arranged in front of the edge intelligent camera, the whole proportion is lengthened, the design sense is achieved, the screw holes are exposed, and the edge intelligent camera is solid, durable and simple in structure.
PANTONE424C and PANTONE426C contrast colors and enhance visual impact. The jacks and the antennas are respectively arranged on the two sides, the number of the jacks and the keys can be adjusted, and the soft rubber plug is integrally designed due to the fact that the external jacks are too many and close to each other. The portion connected to the bracket is placed on the bottom. It should be further noted that the edge intelligent camera adopts a video object recognition algorithm based on a deep convolutional neural network, and additionally, a Hungarian algorithm is used for associating the same object between the adjacent frames. The specific calculation process is as follows: firstly, identifying a certain product (object) being produced in a factory building by using a video identification algorithm based on a deep convolutional neural network, and matching the detected boundary box of the product in the frame at the time t with all the detected boundary boxes in the frame at the time t-1 by using a Hungary algorithm; the following algorithm is then used to predict the location of the bounding box of the future object in order to accurately track the same product. The object tracking algorithm comprises two steps, prediction and correction.
For the prediction step, estimating a state x ' and an uncertainty P ' at a time point t from the state x and the uncertainty P at the time point t-1 '
x′＝Fx+u
P′＝FPFT+Q
Wherein, F: a transition matrix from t-1 to t; u: noise; q: a covariance matrix containing noise.
Note that for the correction step, we correct our previous prediction using the z measurements obtained from the sensors to obtain x and P.
y＝z-Hx′
S＝HP′HT+R
K＝P′HTS-1
x＝x′+Ky
P＝(I-KH)P′
Wherein, z: actual measurements obtained from physical sensors; y: the difference between the actual measured value and the predicted value, i.e. the error; s: estimating a system error; h: a transformation matrix between the sensor signature and our signature; r: a covariance matrix (provided by the sensor manufacturer) associated with the sensor noise; k: taking a value between 0 and 1 as a gain coefficient reflecting the magnitude of the correction prediction requirement; by means of the correction phase, data values closer to the true x and P than the actual measurement results can be obtained.
In conclusion, the credit related information of the enterprise to be assessed can be accurately, quickly and on-site modeled through the edge intelligent camera, the product quantity can be identified, the yield can be presumed, and cross validation can be realized.
In addition, it should be noted that the group of intelligent video capture devices is an edge intelligent camera (pan/tilt head) with own property rights, i.e. a camera with an image AI processing unit (GPU) that can adjust the angle and focus. The number and the model of products on the production line can be distinguished, the result is wirelessly transmitted, and the product is provided with a storage medium, contains an object recognition deep learning model and can be updated as required; EPC (electronic product code) + RFID (radio frequency identification) tracking, namely tracking the EPC of goods by an RFID technology, so that the production condition, the sales condition, the transportation condition and the storage condition of a batch of goods can be accurately controlled; programmable Logic Controller (PLC), that is, PLC adopts programmable memory, which is used to store and execute the instructions of logic operation, sequence control, timing, counting and arithmetic operation, and plays the role of data summarization and transmission in the system through digital and analog input and output; the plastic pressing machine sensor can monitor whether the plastic pressing machine is started, stopped or broken down, and monitor the frequency of mechanical arms of the plastic pressing machine to obtain the number of the discharged moulds; the temperature and humidity sensor is used for measuring and acquiring the production environment inside the factory building, and the stability degree of the temperature and humidity sensor has a certain prediction effect on the product quality of the manufacturing industry, especially precision manufacturing enterprises; the intelligent electric meter, the water meter and the gas meter grasp the user electric power data transmitted by the intelligent terminal through an electric power Internet of things means, and perceive the business operation condition of an enterprise by means of the electric power data. In summary, the above devices perform selective networking to extract data corresponding to the data items.
And 14, calculating a credit investigation result by using the data according to a data processing mode in the financial wind control model.
Specifically, the credit investigation result includes one of the following or any combination thereof: transaction credit score, transaction credit rating, financial risk level, risk score, suggested credit line.
In addition, the credit investigation method applicable to the intelligent end of the internet of things further comprises the following steps: and sending the credit investigation result to a computer system of a financial institution so that the computer system of the financial institution completes credit investigation according to the credit investigation result. Therefore, the safety and the usability of the credit are improved.
Further, the credit investigation method applicable to the intelligent end of the internet of things further comprises the following steps: and sequentially carrying out encryption, storage and backup operations on the data generated by the edge terminal of the enterprise to be credit. Therefore, the accuracy and the applicability of the credit investigation method are improved.
In the embodiment, credit related information for an enterprise to be assessed is acquired; training a financial wind control model according to the credit related information, wherein the financial wind control model comprises data items and data processing modes required by the enterprise to be credit; extracting data corresponding to the data items from an Internet of things intelligent terminal aiming at the enterprise to be credit according to the financial wind control model; and calculating a credit investigation result by using the data according to a data processing mode in the financial wind control model. The method solves the problems of information isolated island, reverse selection and the like. The system and the method have the advantages that intelligent identification, positioning, tracking, monitoring and management are implemented by means of information, capital and physical interaction information between objects and people, enterprise manufacturing and operating conditions are mastered in real time, the correspondence between a pledge list and inventory physical objects, credit limits and pledge values is realized, raw material purchasing conditions, production conditions, sales conditions, transportation conditions and storage conditions of financing enterprises can be tracked in real time, and therefore measures can be taken in time, and the risk of capital backflow is reduced. And can accurately and rapidly complete credit investigation operation aiming at small and micro enterprises, and has feasibility and usability for improving the credit investigation safety.
Based on the same inventive concept, a credit investigation device suitable for an intelligent end of the Internet of things is also provided. Because the principle of solving the problems of the device is similar to that of the credit investigation method suitable for the intelligent end of the Internet of things, the implementation of the device can be realized according to the specific steps of the method, and repeated parts are not repeated.
Fig. 3 is a schematic structural diagram of a credit investigation device suitable for an internet of things smart peer in an embodiment. This investigation device 10 suitable for thing networking intelligent terminal includes: the system comprises an acquisition module 100, a training module 200, an extraction module 300 and a credit investigation calculation module 400.
The obtaining module 100 is configured to obtain credit-related information for an enterprise to be assessed; the training module 200 is configured to train a financial wind control model according to the credit-related information, where the financial wind control model includes data items and data processing modes required for calculating the enterprise to be credited; the extraction module 300 is configured to extract data corresponding to the data item from an internet of things intelligent terminal for the enterprise to be assessed according to the financial wind control model; the credit investigation calculation module 400 is used for calculating a credit investigation result by using the data according to the data processing mode in the financial wind control model.
In the embodiment, the credit related information of the enterprise to be assessed is acquired through the acquisition module; training a financial wind control model according to the credit related information through a training module, wherein the financial wind control model comprises data items and data processing modes required by the enterprise to be assessed; extracting data corresponding to the data items from an intelligent end of the internet of things for the enterprise to be assessed according to the financial wind control model through an extraction module; and finally, calculating a credit investigation result by using the data according to a data processing mode in the financial wind control model through a credit investigation calculation module. The device solves the problems of information isolated island, reverse selection and the like. The system and the method have the advantages that intelligent identification, positioning, tracking, monitoring and management are implemented by means of information, capital and physical interaction information between objects and people, enterprise manufacturing and operating conditions are mastered in real time, the correspondence between a pledge list and inventory physical objects, credit limits and pledge values is realized, raw material purchasing conditions, production conditions, sales conditions, transportation conditions and storage conditions of financing enterprises can be tracked in real time, and therefore measures can be taken in time, and the risk of capital backflow is reduced. And can accurately and rapidly complete credit investigation operation aiming at small and micro enterprises, and has feasibility and usability for improving the credit investigation safety.
Fig. 4 is a hardware block diagram illustrating a credit investigation device suitable for an internet of things smart peer according to an embodiment of the disclosure. As shown in fig. 4, the credit investigation device 30 suitable for the intelligent terminal of the internet of things according to the embodiment of the present disclosure includes a memory 301 and a processor 302. The components of the credit investigation device 30 adapted for the intelligent side of the internet of things are interconnected by a bus system and/or other forms of connection mechanisms (not shown).
The memory 301 is used to store non-transitory computer readable instructions. In particular, memory 301 may include one or more computer program products that may include various forms of computer-readable storage media, such as volatile memory and/or non-volatile memory. Volatile memory can include, for example, Random Access Memory (RAM), cache memory (or the like). The non-volatile memory may include, for example, Read Only Memory (ROM), a hard disk, flash memory, and the like.
The processor 302 may be a Central Processing Unit (CPU) or other form of processing unit having data processing capabilities and/or instruction execution capabilities, and may control other components in the credit investigation device 30 adapted for use in the internet of things smart-peer to perform desired functions. In an embodiment of the present disclosure, the processor 302 is configured to execute the computer readable instructions stored in the memory 301, so that the credit investigation device 30 adapted to the smart peer of the internet of things executes the credit investigation method adapted to the smart peer of the internet of things. The credit investigation device applicable to the intelligent terminal of the internet of things is the same as the embodiment of the credit investigation method applicable to the intelligent terminal of the internet of things, and repeated description thereof will be omitted.
Fig. 5 is a schematic diagram illustrating a computer-readable storage medium according to an embodiment of the present disclosure. As shown in fig. 5, a computer-readable storage medium 400 according to an embodiment of the disclosure has non-transitory computer-readable instructions 401 stored thereon. When the non-transitory computer readable instructions 401 are executed by a processor, the credit investigation method applicable to the intelligent terminal of the internet of things according to the embodiment of the present disclosure described above is executed.
In the above way, the credit investigation method and device applicable to the intelligent terminal of the internet of things and the computer-readable storage medium according to the embodiments of the disclosure can accurately and quickly complete the order creation operation of the merchant, and have the beneficial effects of feasibility and usability of payment security improvement.
The foregoing describes the general principles of the present disclosure in conjunction with specific embodiments, however, it is noted that the advantages, effects, etc. mentioned in the present disclosure are merely examples and are not limiting, and they should not be considered essential to the various embodiments of the present disclosure. Furthermore, the foregoing disclosure of specific details is for the purpose of illustration and description and is not intended to be limiting, since the disclosure is not intended to be limited to the specific details so described.
The block diagrams of devices, apparatuses, systems referred to in this disclosure are only given as illustrative examples and are not intended to require or imply that the connections, arrangements, configurations, etc. must be made in the manner shown in the block diagrams. These devices, apparatuses, devices, systems may be connected, arranged, configured in any manner, as will be appreciated by those skilled in the art. Words such as "including," "comprising," "having," and the like are open-ended words that mean "including, but not limited to," and are used interchangeably therewith. The words "or" and "as used herein mean, and are used interchangeably with, the word" and/or, "unless the context clearly dictates otherwise. The word "such as" is used herein to mean, and is used interchangeably with, the phrase "such as but not limited to".
Also, as used herein, "or" as used in a list of items beginning with "at least one" indicates a separate list, such that, for example, a list of "A, B or at least one of C" means A or B or C, or AB or AC or BC, or ABC (i.e., A and B and C). Furthermore, the word "exemplary" does not mean that the described example is preferred or better than other examples.
It is also noted that in the systems and methods of the present disclosure, components or steps may be decomposed and/or re-combined. These decompositions and/or recombinations are to be considered equivalents of the present disclosure.
Various changes, substitutions and alterations to the techniques described herein may be made without departing from the techniques of the teachings as defined by the appended claims. Moreover, the scope of the claims of the present disclosure is not limited to the particular aspects of the process, machine, manufacture, composition of matter, means, methods and acts described above. Processes, machines, manufacture, compositions of matter, means, methods, or acts, presently existing or later to be developed that perform substantially the same function or achieve substantially the same result as the corresponding aspects described herein may be utilized. Accordingly, the appended claims are intended to include within their scope such processes, machines, manufacture, compositions of matter, means, methods, or acts.
The previous description of the disclosed aspects is provided to enable any person skilled in the art to make or use the present disclosure. Various modifications to these aspects will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other aspects without departing from the scope of the disclosure. Thus, the present disclosure is not intended to be limited to the aspects shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.
The foregoing description has been presented for purposes of illustration and description. Furthermore, this description is not intended to limit embodiments of the disclosure to the form disclosed herein. While a number of example aspects and embodiments have been discussed above, those of skill in the art will recognize certain variations, modifications, alterations, additions and sub-combinations thereof.
Claims (10)
1. A credit investigation method suitable for an Internet of things intelligent terminal is characterized by comprising the following steps:
acquiring credit related information aiming at an enterprise to be assessed;
training a financial wind control model according to the credit related information, wherein the financial wind control model comprises data items and data processing modes required by the enterprise to be credit;
extracting data corresponding to the data items from an Internet of things intelligent terminal aiming at the enterprise to be credit according to the financial wind control model;
and calculating a credit investigation result by using the data according to a data processing mode in the financial wind control model.
2. The credit investigation method suitable for the intelligent end of the internet of things according to claim 1, further comprising:
and sending the credit investigation result to a computer system of a financial institution so that the computer system of the financial institution completes credit investigation according to the credit investigation result.
3. The credit investigation method suitable for the intelligent end of the internet of things according to claim 2, further comprising: and sequentially carrying out encryption, storage and backup operations on the data generated by the edge terminal of the enterprise to be credit.
4. The credit investigation method suitable for the internet of things smart terminal according to claim 1, wherein the obtaining credit-related information for an enterprise to be credit investigated comprises:
obtaining the authorization of an enterprise to be assessed;
and acquiring the data information of the enterprise to be credit through an intelligent end of the Internet of things.
5. The credit investigation method suitable for the intelligent terminal of the internet of things according to claim 1, wherein the data items comprise one of the following items or any combination thereof: transaction data, inventory data, plant data.
6. The credit investigation method suitable for the intelligent end of the internet of things according to claim 1, wherein the intelligent end of the internet of things of the enterprise to be credited comprises one of the following items or any combination thereof: edge intelligent camera, temperature sensor, humidity transducer, injection molding machine sensor, smart electric meter, intelligent water gauge, intelligent gas meter.
7. The credit investigation method suitable for the internet of things smart terminal according to claim 1, wherein the credit investigation result comprises one of the following or any combination thereof: transaction credit score, transaction credit rating, financial risk level, risk score, suggested credit line.
8. A computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out the steps of the method according to any one of claims 1 to 7.
9. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the steps of the method of any of claims 1-7 are implemented when the program is executed by the processor.
10. Credit investigation device suitable for thing networking intelligent terminal, its characterized in that, the device includes:
the acquisition module is used for acquiring credit related information of an enterprise to be assessed;
the training module is used for training a financial wind control model according to the credit related information, wherein the financial wind control model comprises data items and data processing modes required by the enterprise to be credit;
the extraction module is used for extracting data corresponding to the data items from an Internet of things intelligent terminal aiming at the enterprise to be assessed according to the financial wind control model;
and the credit investigation calculation module is used for calculating a credit investigation result by using the data according to a data processing mode in the financial wind control model.
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Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
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