CN113408894B - Auction asset risk monitoring and evaluating system and method based on cloud computing - Google Patents
Auction asset risk monitoring and evaluating system and method based on cloud computing Download PDFInfo
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- 238000007726 management method Methods 0.000 claims description 103
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- G06Q10/0635—Risk analysis of enterprise or organisation activities
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- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
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- G06F21/6218—Protecting access to data via a platform, e.g. using keys or access control rules to a system of files or objects, e.g. local or distributed file system or database
- G06F21/6245—Protecting personal data, e.g. for financial or medical purposes
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- G—PHYSICS
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
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- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
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Abstract
The invention relates to an auction asset risk monitoring and evaluating system and method based on cloud computing, and the system comprises a risk management platform based on cloud computing, an auction transaction platform based on big data, an auction information storage platform based on a distributed storage system, a data encryption service platform, a transaction information management platform, a third party transaction platform, an identity recognition management platform and an auction information operation display platform, wherein the risk management platform based on cloud computing is respectively in data connection with the auction transaction platform based on big data, the auction information storage platform based on the distributed storage system, the data encryption service platform, the transaction information management platform, the third party transaction platform and the identity recognition management platform. The specific operation method comprises basic auction information, customer identity information acquisition and risk assessment. On one hand, the auction information leakage and loss risk caused by data loss and leakage can be effectively prevented; and on the other hand, comprehensive evaluation screening of auction risks can be realized before auction.
Description
Technical Field
The invention relates to an auction asset risk monitoring and evaluating system and method based on cloud computing, and belongs to the technical field of data information.
Background
With the popularization and application of the current online auction system, more and more assets are subjected to online asset auction activities through a network platform, so that the information flow of related assets in the online auction process is large, the types of data are various, but direct and effective contact and understanding between personnel participating in the auction activities and the assets are often lacked, so that the situations of fraudulent transaction behaviors such as malicious hiding of information and the like, misjudgment of transactions due to incomplete information, flowing beats due to insufficient information and the like are very easy to occur, the success rate of online auction transactions is relatively small, the dispute rate after the auction is high, and the risk of online auction transaction work of the assets is greatly increased.
Disclosure of Invention
In order to solve the defects in the prior art, the invention provides an auction asset risk monitoring and evaluating system and method based on cloud computing, which can effectively meet the requirements of various types of assets and client types participating in online auction operation.
An auction asset risk monitoring and evaluating system based on cloud computing comprises a risk management platform based on cloud computing, an auction transaction platform based on big data, an auction information storage platform based on a distributed storage system, a data encryption service platform, a transaction information management platform, a third party transaction platform, an identity identification management platform and an auction information operation display platform, the risk management platform based on cloud computing is respectively in data connection with an auction transaction platform based on big data, an auction information storage platform based on a distributed storage system, a data encryption service platform, a transaction information management platform, a third-party transaction platform and an identity recognition management platform, a plurality of auction information operation display platforms are connected in parallel with one another and are respectively in data connection with the auction transaction platform based on the big data, the transaction information management platform, the third-party transaction platform and the identity recognition management platform; the auction trading platform based on the big data establishes data connection with an auction information storage platform, a trading information management platform and a third party trading platform based on the distributed storage system.
Further, the auction trading platform based on big data comprises a comprehensive data management data layer based on big data, an auction asset information data management layer, an auction customer information data management layer and an auction trading volume data statistics management layer, the comprehensive data management data layer based on big data is respectively connected with an auction asset information data management layer, an auction customer information data management layer, an auction transaction amount data statistics management layer and a risk management platform based on cloud computing, the comprehensive data management data layer and the auction client information data management layer based on big data are respectively connected with an auction information storage platform and an identity recognition management platform based on a distributed storage system, the auction trading volume data statistics management layer is respectively in data connection with the trading information management platform and the third-party trading platform.
Further, the auction information storage platform based on the distributed storage system comprises a transaction asset information storage subsystem, a client identity identification information storage subsystem and an auction transaction information storage subsystem, wherein the transaction asset information storage subsystem, the client identity identification information storage subsystem and the auction transaction information storage subsystem are in data connection with the auction information operation display platform, the transaction asset information storage subsystem is in data connection with the risk management platform based on cloud computing and the auction transaction platform based on big data, the client identity identification information storage subsystem is in data connection with the identity identification management platform, the transaction asset information storage subsystem is in data connection with the data encryption service platform, the transaction information management platform and the third-party transaction platform, the auction transaction information storage subsystem is in data connection with the transaction information management platform, the auction transaction information management platform, the client identity identification information storage subsystem and the auction transaction information storage subsystem, And the third party transaction platform establishes data connection.
Furthermore, the transaction information management platform and the identity recognition management platform are database structures based on any one or more of the image model, the layer model and the mesh model structure.
Further, the auction information operation display platform is any one of an industrial computer, a PC computer, a mobile communication terminal, a scanner, a camera and a microphone.
An evaluation method of an auction asset risk monitoring and evaluating system based on cloud computing comprises the following steps:
firstly, basic auction information firstly collects basic data of an asset to be auctioned through an auction information operation display platform, sends the collected basic data of the asset to be auctioned to an auction trading platform based on big data, and then a risk management platform based on cloud computing and a data encryption service platform are matched to run, so that on one hand, the auction information and the asset risk of the asset to be auctioned are statistically evaluated, and an asset risk evaluation list is generated; on the other hand, the received basic data of the assets to be auctioned are coded and encrypted to obtain encrypted asset data, then the basic data of the assets to be auctioned and the encrypted asset data are synchronously stored in a trading asset information storage subsystem of an auction information storage platform based on a distributed storage system, meanwhile, the encrypted asset data generate a mapping file, and the mapping file and an asset risk assessment list are simultaneously pushed to a trading information management platform and an auction information operation display platform to realize information publishing of the assets to be auctioned;
secondly, acquiring customer identity information; the auction participated client firstly obtains and selects the asset information to participate in auction through the auction information operation display platform, then inputs the personal identity information of the client through the auction information operation display platform and submits the personal risk assessment information meeting the asset risk assessment list according to the asset risk assessment list, then sends the personal identity information and the personal risk assessment information of the client to the identity recognition management platform, and the identity recognition management platform, the risk management platform based on cloud computing and the data encryption service platform synchronously run to encrypt the personal identity information and the personal risk assessment information of the client to obtain the encrypted client identity information, and stores the encrypted client identity information and the encrypted personal risk assessment information and the corresponding encrypted client identity information in the client identity identification information storage subsystem of the auction information storage platform based on the distributed storage system, meanwhile, a client identity encrypted information mapping file is generated for the client identity encrypted information and is pushed to a transaction information management platform, a third-party transaction platform, an identity recognition management platform and an auction information operation display platform;
thirdly, risk assessment, namely, the risk management platform based on cloud computing firstly calls the asset encryption data and the asset risk assessment list of the corresponding asset from the auction information storage platform based on the distributed storage system according to the asset information to be auctioned selected by the client through the auction information operation display platform in the second step, then the auction information storage platform based on the distributed storage system acquires the identity encryption information mapping file of each client, then on one hand, the risk management platform based on cloud computing compares the individual risk assessment data in the asset risk assessment list and the client identity encryption information mapping file according to the asset risk assessment list, compares the individual risk assessment data with the asset risk assessment list data according to the personal risk assessment data, sorts the individual risk assessment data according to the matching degree from high to low to obtain the auction risk assessment list, and stores the auction risk assessment list in the auction transaction information storage subsystem of the auction information storage platform based on the distributed storage system On the other hand, the risk management platform based on cloud computing collects and counts the previous auction transaction success rate information of the clients corresponding to the client identity encrypted information mapping files, and the auction transaction success rate is added into the auction risk evaluation list and used as an annex reference; and simultaneously generating a synchronous asset auction risk list mapping file of the asset auction risk list, and pushing the synchronous asset auction risk list mapping file to an auction trading platform, a third party trading platform and an identity identification management platform based on big data to guide subsequent auction trading operation.
Further, in the third step, if the matching degree in the auction risk assessment list is high, the auction risk is low, otherwise, the auction risk is high.
Further, in the third step, in the auction transaction activity, on one hand, the third party transaction platform carries out online auction transaction payment work; on the other hand, after the transaction is completed, all the client transaction data information in the auction transaction activity is stored in the auction information storage platform based on the distributed storage system, and the client transaction data information is additionally recorded and summarized and additionally recorded in the auction risk assessment list through the risk management platform based on cloud computing
The system has simple structure, strong data processing capability and good system operation stability, and can effectively meet the requirements of various assets and client types for participating in online auction operation; the accurate checking, screening, data encryption and backup of the asset and personnel information and the auction activity data information in the online auction activity are realized, so that the auction information leakage and the loss risk caused by data loss and leakage can be effectively prevented; on the other hand, the auction risk can be comprehensively evaluated and screened before the auction, the auction risk can be found and checked in advance, meanwhile, the risk occurrence in the auction process can be effectively reduced, and the security, reliability and bargaining rate of the auction activities are improved.
Drawings
The invention is described in detail below with reference to the drawings and the detailed description;
FIG. 1 is a schematic diagram of the system of the present invention.
The reference numbers in the figures: the system comprises a risk management platform 1 based on cloud computing, an auction transaction platform 2 based on big data, an auction information storage platform 3 based on a distributed storage system, a data encryption service platform 4, a transaction information management platform 5, a third party transaction platform 6, an identity identification management platform 7, an auction information operation display platform 8, a comprehensive data management data layer 21 based on big data, an auction asset information data management layer 22, an auction customer information data management layer 23, an auction transaction amount data statistics management layer 24, a transaction asset information storage subsystem 31, a customer identity identification information storage subsystem 32 and an auction transaction information storage subsystem 33.
Detailed Description
In order to facilitate the implementation of the technical means, creation features, achievement of the purpose and the efficacy of the invention, the invention is further described below with reference to specific embodiments.
As shown in FIG. 1, the auction asset risk monitoring and evaluating system based on cloud computing comprises a risk management platform 1 based on cloud computing, an auction transaction platform 2 based on big data, an auction information storage platform 3 based on a distributed storage system, a data encryption service platform 4, a transaction information management platform 5, a third party transaction platform 6, an identity recognition management platform 7 and an auction information operation display platform 8, wherein the risk management platform 1 based on cloud computing is respectively in data connection with the auction transaction platform 2 based on big data, the auction information storage platform 3 based on the distributed storage system, the data encryption service platform 4, the transaction information management platform 5, the third party transaction platform 6 and the identity recognition management platform 7, the auction information operation display platforms 8 are mutually connected in parallel and respectively with the auction transaction platform 2 based on big data, The transaction information management platform 5, the third party transaction platform 6 and the identity recognition management platform 7 establish data connection; the auction trading platform 2 based on big data establishes data connection with the auction information storage platform 3, the trading information management platform 5 and the third party trading platform 6 based on the distributed storage system.
It should be noted that the auction trading platform 2 based on big data includes a comprehensive data management data layer 21 based on big data, an auction asset information data management layer 22, an auction customer information data management layer 23, and an auction trading volume data statistics management layer 24, the comprehensive data management data layer 21 based on big data establishes data connection with the auction asset information data management layer 22, the auction customer information data management layer 23, the auction trading volume data statistics management layer 24, and the risk management platform 1 based on cloud computing, the comprehensive data management data layer 21 based on big data and the auction customer information data management layer 23 establish data connection with the auction information storage platform 3 and the identity recognition management platform 7 based on distributed storage system, the auction trading volume data statistics management layer 24 establishes data connection with the trading information management platform 5, The third party trading platform 6 establishes a data connection.
Meanwhile, it should be noted that the auction information storage platform 3 based on the distributed storage system includes a transaction asset information storage subsystem 31, a customer identification information storage subsystem 32 and an auction transaction information storage subsystem 33, and the transaction asset information storage subsystem 31, the customer identification information storage subsystem 32 and the auction transaction information storage subsystem 33 are all in data connection with the auction information operation display platform 8, wherein the transaction asset information storage subsystem 31 is in data connection with the risk management platform 1 based on cloud computing and the auction transaction platform 2 based on big data, the customer identification information storage subsystem 32 is in data connection with the identification management platform 7, the transaction asset information storage subsystem 31 is in data connection with the data encryption service platform 4, the transaction information management platform 5 and the third party transaction platform 6, the auction transaction information storage subsystem 33 establishes data connection with the transaction information management platform 5 and the third party transaction platform 6 respectively.
In this embodiment, the transaction information management platform 5 and the identity recognition management platform 7 are database structures based on any one or more of an image model, a hierarchical model and a mesh model structure.
Further preferably, the auction information operation display platform 8 is any one of an industrial computer, a PC computer, a mobile communication terminal, a scanner, a camera, and a microphone.
An evaluation method of an auction asset risk monitoring and evaluating system based on cloud computing comprises the following steps:
firstly, basic auction information firstly collects basic data of an asset to be auctioned through an auction information operation display platform 8, sends the collected basic data of the asset to be auctioned to an auction trading platform 2 based on big data, and then a risk management platform 1 based on cloud computing and a data encryption service platform 4 are matched to run, so that on one hand, the auction information and the asset risk of the asset to be auctioned are statistically evaluated, and an asset risk evaluation list is generated; on the other hand, the received basic data of the assets to be auctioned are coded and encrypted to obtain encrypted asset data, then the basic data of the assets to be auctioned and the encrypted asset data are synchronously stored in a trading asset information storage subsystem 31 of an auction information storage platform 3 based on a distributed storage system, meanwhile, the encrypted asset data generate a mapping file, and the mapping file and an asset risk assessment list are simultaneously pushed to a trading information management platform 5 and an auction information operation display platform 8 to realize information publishing of the assets to be auctioned;
secondly, collecting the identity information of the client, namely, the auction participated client firstly obtains and selects the asset information to be participated in the auction through the auction information operation display platform 8, then inputs the personal identity information of the client through the auction information operation display platform 8 and submits the personal risk assessment information meeting the asset risk assessment list of the client according to the asset risk assessment list, then sends the personal identity information and the personal risk assessment information of the client to the identity recognition management platform 7, the risk management platform 1 based on cloud computing and the data encryption service platform 4 synchronously operate to encrypt the personal identity information and the personal risk assessment information of the client to obtain the encrypted information of the client identity, and stores the encrypted information of the client identity information, the encrypted information of the personal risk assessment and the corresponding encrypted information of the client identity in the client identity recognition information storage subsystem 32 of the auction information storage platform 3 based on the distributed storage system, meanwhile, a customer identity encrypted information mapping file is generated for the customer identity encrypted information and is pushed to a transaction information management platform 5, a third party transaction platform 6, an identity recognition management platform 7 and an auction information operation display platform 8;
thirdly, risk assessment, namely, the risk management platform 1 based on cloud computing firstly calls the asset encryption data and the asset risk assessment list of the corresponding asset from the auction information storage platform 3 based on the distributed storage system according to the asset information to be participated in auction selected by the client through the auction information operation display platform 8 in the second step, then acquires the identity encryption information mapping file of each client from the auction information storage platform 3 based on the distributed storage system, on one hand, the risk management platform 1 based on cloud computing compares the asset risk assessment list with the personal risk assessment data in the client identity encryption information mapping file, compares the personal risk assessment data with the asset risk assessment list data, sorts the data according to the matching degree from high to low, acquires the auction risk assessment list, and stores the auction risk assessment list in the auction transaction information of the auction information storage platform 3 based on the distributed storage system In the storage subsystem 33, on the other hand, the risk management platform 1 based on cloud computing collects and counts the past auction transaction success rate information of the clients corresponding to the encrypted information mapping files of the client identities, and the auction transaction success rate is added to the auction risk assessment list and used as an annex reference; and therefore, an asset auction risk list is obtained, the asset auction risk list is stored in the auction transaction information storage subsystem 33 of the auction information storage platform 3 based on the distributed storage system, a synchronous asset auction risk list mapping file of the asset auction risk list is generated at the same time, and the synchronous asset auction risk list mapping file is pushed to the auction transaction platform 2, the third-party transaction platform 6 and the identity recognition management platform 7 based on the big data to guide subsequent auction transaction operation.
In this embodiment, in the third step, if the matching degree in the auction risk assessment list is high, the auction risk is low, otherwise, the auction risk is high.
It should be noted that, in the third step, in the auction transaction activity, on one hand, the third party transaction platform 6 performs the payment work of the online auction transaction; on the other hand, after the transaction is completed, the transaction data information of each client in the auction transaction activity is stored in the auction information storage platform 3 based on the distributed storage system, and the transaction data information of each client is additionally recorded and collected in the auction risk assessment list through the risk management platform 1 based on the cloud computing
The system has simple structure, strong data processing capability and good system operation stability, and can effectively meet the requirements of various assets and client types for participating in online auction operation; the accurate checking, screening, data encryption and backup of the asset and personnel information and the auction activity data information in the online auction activity are realized, so that the auction information leakage and the loss risk caused by data loss and leakage can be effectively prevented; on the other hand, the auction risk can be comprehensively evaluated and screened before the auction, the auction risk can be found and checked in advance, meanwhile, the risk occurrence in the auction process can be effectively reduced, and the security, reliability and bargaining rate of the auction activities are improved.
The foregoing shows and describes the general principles and broad features of the present invention and advantages thereof. It will be understood by those skilled in the art that the present invention is not limited to the embodiments described above, which are described in the specification and illustrated only to illustrate the principle of the present invention, but that various changes and modifications may be made therein without departing from the spirit and scope of the present invention, which fall within the scope of the invention as claimed. The scope of the invention is defined by the appended claims and equivalents thereof.
Claims (6)
1. The utility model provides an auction asset risk monitoring evaluation system based on cloud computing which characterized in that: the auction system based on the cloud computing comprises a risk management platform (1) based on cloud computing, an auction transaction platform (2) based on big data, an auction information storage platform (3) based on a distributed storage system, a data encryption service platform (4), a transaction information management platform (5), a third-party transaction platform (6), an identity recognition management platform (7) and an auction information operation display platform (8), wherein the risk management platform (1) based on cloud computing is in data connection with the auction transaction platform (2) based on the big data, the auction information storage platform (3) based on the distributed storage system, the data encryption service platform (4), the transaction information management platform (5), the third-party transaction platform (6) and the identity recognition management platform (7) respectively, and the auction information operation display platforms (8) are connected in parallel with one another and are connected with the auction transaction platform (2) based on the big data respectively, The transaction information management platform (5), the third party transaction platform (6) and the identity recognition management platform (7) establish data connection; the auction trading platform (2) based on the big data establishes data connection with an auction information storage platform (3), a trading information management platform (5) and a third party trading platform (6) based on a distributed storage system respectively;
the auction information storage platform (3) based on the distributed storage system comprises a transaction asset information storage subsystem (31), a client identity identification information storage subsystem (32) and an auction transaction information storage subsystem (33), wherein the transaction asset information storage subsystem (31), the client identity identification information storage subsystem (32) and the auction transaction information storage subsystem (33) are in data connection with an auction information operation display platform (8), the transaction asset information storage subsystem (31) is in data connection with a risk management platform (1) based on cloud computing and an auction transaction platform (2) based on big data, the client identity identification information storage subsystem (32) is in data connection with an identity identification management platform (7), and the transaction asset information storage subsystem (31) is in data connection with a data encryption service platform (4) respectively, The data connection is established between the transaction information management platform (5) and the third-party transaction platform (6), and the auction transaction information storage subsystem (33) is respectively in data connection with the transaction information management platform (5) and the third-party transaction platform (6);
the evaluation method comprises the following steps:
firstly, basic auction information firstly collects basic data of assets to be auctioned through an auction information operation display platform (8), sends the collected information of the assets to be auctioned to an auction trading platform (2) based on big data, then a risk management platform (1) based on cloud computing and a data encryption service platform (4) are matched to run, the information of the assets to be auctioned and asset risks are statistically evaluated, and an asset risk evaluation list is generated; the received information of the assets to be auctioned is coded and encrypted to obtain asset encryption data, then the information of the assets to be auctioned and the asset encryption data are synchronously stored in a trading asset information storage subsystem (31) of an auction information storage platform (3) based on a distributed storage system, meanwhile, the asset encryption data are generated into a mapping file, and the mapping file and an asset risk assessment list are simultaneously pushed to a trading information management platform (5) and an auction information operation display platform (8), so that the information of the assets to be auctioned is issued;
secondly, customer identity information is collected, auction participators firstly obtain and select asset information to be participated in auction through an auction information operation display platform (8), then personal identity information of the customers is input through the auction information operation display platform (8), personal risk assessment information meeting an asset risk assessment list is submitted to the customers according to the asset risk assessment list, then the personal identity information of the customers and the personal risk assessment information are sent to an identity recognition management platform (7), the identity recognition management platform (7), a risk management platform (1) based on cloud computing and a data encryption service platform (4) synchronously operate, the personal identity information of the customers and the personal risk assessment information are encrypted, customer identity encryption information is obtained, and the customer identity information, the personal risk assessment information and corresponding customer identity encryption information are stored in a customer identity identification information storage of an auction information storage platform (3) based on a distributed storage system In the storage subsystem (32), a customer identity encryption information mapping file is generated for the customer identity encryption information at the same time, and the customer identity encryption information mapping file is pushed to a transaction information management platform (5), a third-party transaction platform (6), an identity recognition management platform (7) and an auction information operation display platform (8);
thirdly, risk assessment, namely, a risk management platform (1) based on cloud computing operates the asset information to be auctioned selected by a display platform (8) according to the auction information of the clients in the second step, firstly, the asset encryption data and the asset risk assessment list of the corresponding asset are called from an auction information storage platform (3) based on a distributed storage system, then, an identity encryption information mapping file of each client is obtained from the auction information storage platform (3) based on the distributed storage system, then, the risk management platform (1) based on cloud computing compares the asset risk assessment list with the personal risk assessment data in the identity encryption information mapping file of the client, compares the individual risk assessment data with the asset risk assessment list data according to the risk assessment data of each person, and orders the individual risk assessment list from high to low according to the matching degree to obtain an auction risk assessment list, the auction risk assessment list is stored in an auction transaction information storage subsystem (33) of an auction information storage platform (3) based on a distributed storage system, a risk management platform (1) based on cloud computing collects and counts the past auction transaction success rate information of the clients corresponding to the client identity encrypted information mapping files, and the auction transaction success rate is added to the auction risk assessment list and used as an addition reference; and therefore, an asset auction risk list is obtained and stored in an auction transaction information storage subsystem (33) of an auction information storage platform (3) based on a distributed storage system, a synchronous asset auction risk list mapping file of the asset auction risk list is generated at the same time, and the synchronous asset auction risk list mapping file is pushed to an auction transaction platform (2), a third party transaction platform (6) and an identity recognition management platform (7) based on big data to guide subsequent auction transaction operation.
2. The cloud computing-based auction asset risk monitoring and assessment system of claim 1, wherein: the auction transaction platform (2) based on the big data comprises a comprehensive data management data layer (21) based on the big data, an auction asset information data management layer (22), an auction customer information data management layer (23) and an auction transaction amount data statistics management layer (24), wherein the comprehensive data management data layer (21) based on the big data is in data connection with the auction asset information data management layer (22), the auction customer information data management layer (23), the auction transaction amount data statistics management layer (24) and the risk management platform (1) based on cloud computing, the comprehensive data management data layer (21) and the auction customer information data management layer (23) based on the big data are in data connection with an auction information storage platform (3) and an identity recognition management platform (7) based on a distributed storage system, and the auction transaction amount data statistics management layer (24) is in data connection with a transaction information management platform (5) respectively, The third party transaction platform (6) establishes a data connection.
3. The cloud computing-based auction asset risk monitoring and assessment system of claim 1, wherein: the transaction information management platform (5) and the identity recognition management platform (7) are database structures based on any one or more of an image model, a hierarchical model and a mesh model structure.
4. The cloud computing-based auction asset risk monitoring and assessment system of claim 1, wherein: the auction information operation display platform (8) is any one of an industrial computer, a PC computer, a mobile communication terminal, a scanner, a camera and a microphone.
5. The cloud computing-based auction asset risk monitoring and assessment system of claim 1, wherein: and in the third step, if the matching degree in the auction risk evaluation list is high, the auction risk is low, otherwise, the auction risk is high.
6. The cloud computing-based auction asset risk monitoring and assessment system of claim 1, wherein: in the third step, in the auction transaction activity, the third party transaction platform (6) carries out the payment work of the on-line auction transaction; after the transaction is completed, all the client transaction data information in the auction transaction activity is stored in an auction information storage platform (3) based on a distributed storage system, and the client transaction data information is additionally recorded and collected in an auction risk assessment list through a risk management platform (1) based on cloud computing.
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