CN113220447B - Financial wind control system and method based on edge calculation - Google Patents
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Abstract
The invention relates to the technical field of edge calculation, in particular to a financial wind control system and method based on edge calculation. The method comprises the following steps: s100: receiving an evaluation request signal and sending a pre-evaluation model; s200: collecting user information according to a pre-evaluation model; s300: classifying users according to the pre-evaluation model and user information, and matching with a corresponding wind control evaluation calculation model; s400: analyzing and calculating according to the wind control evaluation calculation model to generate a wind control evaluation result; s400 specifically comprises the following steps: searching available MEC computing nodes; performing task program segmentation; judging whether the segmented task program needs to be unloaded or not, transmitting partial unloading to be unloaded to an MEC computing node, and calculating the task program by the MEC computing node and returning a result. The financial wind control system and the financial wind control method based on the edge calculation can combine the traditional financial information and the edge calculation technology, so that the safety of customer information is guaranteed, and the quick evaluation of customer qualification is realized.
Description
Technical Field
The invention relates to the technical field of edge calculation, in particular to a financial wind control system and a financial wind control method based on edge calculation.
Background
Finance refers to the economic activity in which banks, securities, or security owners collect funds from market agents and lend themselves to other market agents in economic life, and in a broad sense, all capital flows generated by market agents such as governments, individuals, organizations, etc. through the collection, deployment, and use of funds may be referred to as finances. Thus, not only gold financing, government-related finances, industry enterprise activities, and personal finance are all part of finance. Finance can be regarded as three types of economic actions of fund collection configuration (financing), investment and financing (buying a strand by money), and finance refers to economic activities such as issuing, circulation and return of money, issuing and withdrawing of loans, deposit and withdrawal of deposit, and exchange.
The nature of finance is risk management, where credit businesses are finance with higher risk levels and wind control is the core of all financial businesses. Typical financial lending operations such as mortgage, consumer loan, supply chain finance, and bill financing require financial pneumatic identification and evaluation of user credit ratings such as: when the client needs loan, the client needs to submit personal information (such as credit report, litigation record, etc.) to the financial wind control company, and the financial wind control company evaluates the credit rating of the client personal information and decides whether to loan the client according to the credit rating.
Because wind control evaluation generally adopts an artificial intelligence algorithm based on deep learning, the algorithm has high requirement on calculation power, and the calculation power of a terminal of a common user cannot meet the calculation requirement, under the existing condition system, all the processing related to the wind control evaluation is carried out on a server of a financial wind control company, and client personal information required by the wind control evaluation is stored on the server of the financial wind control company. The method ensures that the personal information of the client is basically mastered by the financial wind control company, and the risk that the personal information of the client is easy to leak exists, and on the other hand, the operation and maintenance cost of the financial wind control company is increased.
Disclosure of Invention
The invention aims to solve the technical problem of providing the financial wind control system and the financial wind control method based on the edge calculation, which can combine the traditional financial information with the edge calculation technology, the whole process does not contact the personal information of the client, the personal information of the client is only reserved at the mobile phone end of the client, the safety of the client information is ensured, and the quick evaluation of the client qualification is realized.
In order to solve the technical problems, the application provides the following technical scheme:
a financial wind control method based on edge calculation comprises the following steps:
s100: an evaluation model transmitting step: the financial wind control server receives the evaluation request signal and sends a pre-evaluation model to the user side;
s200: and a data acquisition step: the user terminal collects user information according to the received pre-evaluation model;
s300: model matching: classifying the users according to the pre-evaluation model and the user information, and matching the wind control evaluation calculation model of the corresponding class according to the classification;
s400: wind control calculation: and analyzing and calculating according to the wind control evaluation calculation model and the user information to generate a wind control evaluation result.
In the technical scheme of the invention, firstly, a financial wind control server receives a user terminal signal and sends a pre-evaluation model to the user terminal; and secondly, the user terminal analyzes the received pre-evaluation model and the user information, judges the user grade, matches the corresponding wind control evaluation calculation model according to the user grade, and finally loads the wind control evaluation calculation model to analyze and calculate the user information. In the flow of the scheme, the wind control evaluation calculation model performs wind control calculation on the user side, so that a financial wind control company is ensured not to contact personal information of the client, the personal information of the client is only reserved on the user side, and the safety of the client information is ensured.
Further, the S100 includes:
s101: the method comprises the steps that a user side sends an evaluation request to a financial wind control server according to user operation, wherein the evaluation request comprises a wind control evaluation type;
s102: and the financial wind control server matches the corresponding pre-evaluation model according to the wind control evaluation type and sends the pre-evaluation model to the user side.
Further, the S300 includes:
s301: loading a pre-evaluation model, and inputting user information into the pre-evaluation model;
s302: outputting a user score according to the user information by the pre-evaluation model;
s303: grading the users according to the user scores;
s304: and selecting a wind control evaluation calculation model of a corresponding grade according to the user grade and the wind control evaluation type.
Further, the S400 includes:
s401: a node discovery step: the user side searches available MEC computing nodes;
s402: program segmentation: dividing a task program to be processed;
s403: an unloading decision step: judging whether the segmented task program needs to be unloaded, if so, selecting a part to be unloaded to an MEC computing node, and if not, carrying out local operation by a user side;
s404: program transmission step: transmitting a task program to be offloaded to the MEC computing node;
s405: the calculation steps are executed: the MEC computing node computes a task program;
s406: and (3) returning a calculation result: the MEC computing node transmits the result after the computation processing back to the user terminal.
In the scheme of the invention, MEC is mobile edge computing (English: mobile Edge Computing, abbreviated as MEC), and the MEC computing node is used for computing the split program, and the MEC is used for providing IT service environment and cloud computing capability for the mobile network edge, so that millisecond-level application can be realized, and the scheme ensures that the speed of computing the program is higher.
Further, the step S401 further includes:
s4001: the user terminal judges whether the segmentation calculation is needed according to the grade of the wind control evaluation calculation model, if so, the next step is executed, and if not, the user terminal carries out local operation.
And judging whether the segmentation calculation is needed or not according to the grade, so that the calculated amount is reduced.
Further, the S403 includes:
s4031: the user side analyzes the running time required by each divided task program;
s4032: and the user judges whether the task program needs to be unloaded according to the running time.
Further, the step S403 further includes:
s4033: and displaying the judging result and the corresponding relevant information of each task program, wherein the relevant information comprises running time and related data content, and the user terminal adjusts the judging result of whether each task program needs to be unloaded or not according to the operation of the user.
The user is allowed to manually set the uninstalled part, so that the privacy data of the related user is ensured at the user side, and the data security is ensured.
Further, the step S405 includes:
s4051: the MEC computing node judges whether a computing result corresponding to the task program is cached, and if so, the cached computing result is called; if not, calculating the task program by the MEC calculation node;
s4052: and caching the calculated data.
And the repeated calculation is avoided through the buffer memory, so that the response speed is improved.
Further, the S4052 includes:
s40521: acquiring a user wind control evaluation type;
s40522: generating a cache period duration according to the user wind control evaluation type;
s40523: and managing MEC computing node caches according to the cache period duration.
According to the technical scheme, the time length of the cache period is adjusted based on the wind control evaluation type of the user, and the wind control evaluation can be evaluated for multiple times, so that the problem of multiple times of calculation in a short time can be avoided through the cache, different types of wind control can relate to different service types, corresponding evaluation times, interval periods and the like are different, and the cache hit rate can be improved by adjusting the cache period based on the wind control evaluation type, so that the cache occupation can be reduced, and the running efficiency can be improved.
Further, the application also discloses a financial wind control system based on edge calculation, and the financial wind control method based on edge calculation is used.
Drawings
The invention is described in further detail below with reference to the attached drawings and detailed description:
FIG. 1 is a schematic flow chart of a financial wind control method based on edge calculation according to the present invention;
FIG. 2 is a block diagram of an edge-based financial pneumatic control system according to the present invention.
Detailed Description
The following is a further detailed description of the embodiments:
example 1
The embodiment discloses a financial wind control method based on edge calculation and a financial wind control system based on edge calculation, the system is as shown in fig. 2, and comprises a user terminal, an MEC calculation node and a financial wind control server, when the system is operated, the financial wind control method based on edge calculation of the embodiment is used, and the method is as shown in fig. 1, and comprises the following steps:
s100: an evaluation model transmitting step: the financial wind control server receives the evaluation request signal and sends a pre-evaluation model to the user side;
s200: and a data acquisition step: the user terminal collects user information according to the received pre-evaluation model;
s300: model matching: classifying the users according to the pre-evaluation model and the user information, and matching the wind control evaluation calculation model of the corresponding class according to the classification;
s400: wind control calculation: and analyzing and calculating according to the wind control evaluation calculation model and the user information to generate a wind control evaluation result.
Specific:
in this embodiment, generally, when a user has a business handling requirement, such as a loan requirement, a corresponding business handling request is sent to a financial company through a user side (for example, a mobile phone, a tablet, etc.), and then according to the business handling requirement, a corresponding wind control evaluation is further performed, and a corresponding evaluation request signal is sent to a financial wind control server, wherein the evaluation request includes a wind control evaluation type; after receiving the evaluation request signal, the financial wind control server matches the corresponding pre-evaluation model according to the wind control evaluation type and sends the pre-evaluation model to the user side; the pre-evaluation model mainly comprises dimensions adopted by evaluation, such as personal basic information, asset information and the like; personal information such as personal identification numbers, home addresses, etc., property information such as loans, repayment records, credit reports, etc.
The user terminal applies the pre-evaluation model, the user terminal collects user information according to the received pre-evaluation model, and the user terminal compares and judges the user information according to the received pre-evaluation model and the personal information of the user, and specifically comprises the following steps:
s301: loading a pre-evaluation model, and inputting user information into the pre-evaluation model;
s302: outputting a user score according to the user information by the pre-evaluation model;
s303: grading the users according to the user scores;
s304: and selecting a wind control evaluation calculation model of a corresponding grade according to the user grade and the wind control evaluation type.
In S303, grading adopts a percentile system, and if the grading reaches more than 90 points, the grading of the user is excellent; otherwise, if the score reaches more than 70 points, the user's rating is good, otherwise, if the score reaches more than 60 points, the user's rating is medium, and if the score is less than 60 points, the rating is poor.
And then selecting a wind control evaluation calculation model of a corresponding grade according to the user grade and the wind control evaluation type. For the user information with excellent or good score, the corresponding wind control evaluation calculation model is simpler, and the user side can be directly used for calculation. Other levels of wind control evaluation calculation models may be complex, the calculation time required at the user end is too long, the storage space required for calculation is too large, and the user end cannot completely provide the condition of the complete process, so the user end can solve the problem by means of MEC node calculation, and the specific steps are as follows:
s401: a node discovery step: the user side searches available MEC computing nodes; the node may be a high performance server located in a remote cloud computing center, or may be an MEC server located at the edge of the network, where the node is used for subsequent computation of the uninstaller.
S402: program segmentation: dividing a task program to be processed; meanwhile, the functional integrity of each part of program after being split is kept as much as possible in the splitting process, so that the subsequent unloading is facilitated.
S403: an unloading decision step: judging whether the segmented task program needs to be unloaded, if so, selecting a part to be unloaded to an MEC computing node, and if not, carrying out local operation by a user side;
s404: program transmission step: transmitting a task program to be offloaded to the MEC computing node; the program transmission can be carried out in various modes through a 3G/4G/5G network, and also can be carried out through Wi-Fi and Ethernet. The purpose of program transfer is to transfer the offloaded computing program to the MEC computing node.
S405: the calculation steps are executed: the MEC computing node computes a task program;
s406: and (3) returning a calculation result: the MEC computing node transmits the result after the computation processing back to the user terminal. So far, the calculation unloading process is finished, the user terminal is disconnected with the cloud terminal, and the user terminal is disconnected with the user terminal in time, so that the resources of the user terminal are not occupied all the time.
Also included before S401 is:
s4001: the user terminal judges whether the segmentation calculation is needed according to the grade of the wind control evaluation calculation model, if so, the next step is executed, and if not, the user terminal carries out local operation.
And judging whether the segmentation calculation is needed or not according to the grade, so that the calculated amount is reduced.
S403 includes:
s4031: the user side analyzes the running time required by each divided task program;
s4032: and the user judges whether the task program needs to be unloaded according to the running time.
S403 further includes:
s4033: and displaying the judging result and the corresponding relevant information of each task program, wherein the relevant information comprises running time and related data content, and the user terminal adjusts the judging result of whether each task program needs to be unloaded or not according to the operation of the user.
The user is allowed to manually set the uninstalled part, so that the privacy data of the related user is ensured at the user side, and the data security is ensured.
S405 includes:
s4051: the MEC computing node judges whether a computing result corresponding to the task program is cached, and if so, the cached computing result is called; if not, calculating the task program by the MEC calculation node;
s4052: and caching the calculated data.
And the repeated calculation is avoided through the buffer memory, so that the response speed is improved.
S4052 includes:
s40521: acquiring a user wind control evaluation type;
s40522: generating a cache period duration according to the user wind control evaluation type;
s40523: and managing MEC computing node caches according to the cache period duration.
Therefore, the calculated authority is given to the user, so that the user has clear knowledge on the track of the personal information, the control property of the user on the personal information is further improved, and the experience of the user is also improved.
The foregoing is merely exemplary of the present invention, and the specific structures and features well known in the art are not described in any way herein, so that those skilled in the art will be able to ascertain all prior art in the field, and will not be able to ascertain any prior art to which this invention pertains, without the general knowledge of the skilled person in the field, before the application date or the priority date, to practice the present invention, with the ability of these skilled persons to perfect and practice this invention, with the help of the teachings of this application, with some typical known structures or methods not being the obstacle to the practice of this application by those skilled in the art. It should be noted that modifications and improvements can be made by those skilled in the art without departing from the structure of the present invention, and these should also be considered as the scope of the present invention, which does not affect the effect of the implementation of the present invention and the utility of the patent. The protection scope of the present application shall be subject to the content of the claims, and the description of the specific embodiments and the like in the specification can be used for explaining the content of the claims.
Claims (2)
1. The financial wind control method based on edge calculation is characterized in that: the method comprises the following steps:
s100: an evaluation model transmitting step: the financial wind control server receives the evaluation request signal and sends a pre-evaluation model to the user side;
s200: and a data acquisition step: the user terminal collects user information according to the received pre-evaluation model;
s300: model matching: classifying the users according to the pre-evaluation model and the user information, and matching the wind control evaluation calculation model of the corresponding class according to the classification;
s400: wind control calculation: analyzing and calculating according to the wind control evaluation calculation model and the user information to generate a wind control evaluation result;
the S100 includes:
s101: the method comprises the steps that a user side sends an evaluation request to a financial wind control server according to user operation, wherein the evaluation request comprises a wind control evaluation type;
s102: the financial wind control server matches the corresponding pre-evaluation model according to the wind control evaluation type and sends the pre-evaluation model to the user side;
the S300 includes:
s301: loading a pre-evaluation model, and inputting user information into the pre-evaluation model;
s302: outputting a user score according to the user information by the pre-evaluation model;
s303: grading the users according to the user scores;
s304: selecting a wind control evaluation calculation model of a corresponding grade according to the user grade and the wind control evaluation type;
the S400 includes:
s401: a node discovery step: the user side searches available MEC computing nodes;
s402: program segmentation: dividing a task program to be processed;
s403: an unloading decision step: judging whether the segmented task program needs to be unloaded, if so, selecting a part to be unloaded to an MEC computing node, and if not, carrying out local operation by a user side;
s404: program transmission step: transmitting a task program to be offloaded to the MEC computing node;
s405: the calculation steps are executed: the MEC computing node computes a task program;
s406: and (3) returning a calculation result: the MEC computing node transmits the result after the computation to the user terminal;
the step S401 further includes:
s4001: the user side judges whether segmentation calculation is needed according to the level of the wind control evaluation calculation model, if so, the next step is executed, and if not, the user side carries out local operation;
the S403 includes:
s4031: the user side analyzes the running time required by each divided task program;
s4032: judging whether the task program needs to be unloaded or not according to the running time by the user;
the S403 further includes:
s4033: displaying the judging result and the corresponding relevant information of each task program, wherein the user side adjusts the judging result of whether each task program needs to be unloaded or not according to the operation of the user, and the relevant information comprises the running time and the related data content;
the step S405 includes:
s4051: the MEC computing node judges whether a computing result corresponding to the task program is cached, and if so, the cached computing result is called; if not, calculating the task program by the MEC calculation node;
s4052: caching the calculated data;
the S4052 includes:
s40521: acquiring a user wind control evaluation type;
s40522: generating a cache period duration according to the user wind control evaluation type;
s40523: and managing MEC computing node caches according to the cache period duration.
2. Financial wind control system based on edge calculation, its characterized in that: use of the edge-based computing financial wind control method of claim 1.
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| CN118037422A (en) * | 2024-01-30 | 2024-05-14 | 深圳信钛数科科技有限公司 | Online big data intelligent wind control system for banking industry |
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