CN113436008A - Loan purpose monitoring method and device, storage medium and electronic equipment - Google Patents
Loan purpose monitoring method and device, storage medium and electronic equipment Download PDFInfo
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Abstract
The application provides a loan purpose monitoring method and device, a storage medium and electronic equipment, wherein the method is applied to a federal platform, and the method comprises the following steps: the inventor obtains the fund flow information ciphertext of each client of each participant node by skillfully applying the characteristic that a federal platform can interconnect a plurality of nodes, searches the fund flow information ciphertext matched with the monitoring time period element and the user identity information element from each fund flow ciphertext, and sends the searched fund flow information ciphertext to the target participant node, so that the target participant node can monitor the loan application based on the fund flow information ciphertext.
Description
Technical Field
The present disclosure relates to the field of informatization technologies, and in particular, to a loan application monitoring method and apparatus, a storage medium, and an electronic device.
Background
With the rapid development of national economy, bank credit shows a gradually rising trend. When a user applies for a loan from a bank, the bank will request to enter into a loan commitment book, which specifies that a particular loan product can only be used for the corresponding loan purpose. However, after the loan is issued, there may be cases where the loan purpose is inconsistent with the application, such as where the loan user uses money transferred to another bank, or where the money transferred is used for another purpose by transferring it through multiple nodes such as friends and relatives.
Therefore, how to provide a technical solution capable of monitoring loan usage to ensure that a specific loan product can only be used for a corresponding loan usage is a problem that needs to be solved in the art.
Disclosure of Invention
The application provides a loan purpose monitoring method to realize the monitoring of loan purposes, thereby ensuring that a specific loan product can only be used for the corresponding loan purpose.
The application also provides a loan application monitoring device which is used for ensuring the realization and the application of the method in practice.
A loan usage monitoring method for use on a federal platform, the method comprising:
responding to a fund flow information query request sent by a target participant node, and acquiring a monitoring time period element and a user identity information element of a loan user to be monitored, which are included in the fund flow information query request;
acquiring all fund flow information ciphertexts of each client of each participant node of the federal platform; each fund flow information ciphertext comprises a plurality of elements;
searching the fund flow information ciphertext matched with the monitoring time period element and the user identity information element from each fund flow information ciphertext;
and sending the found fund flow information ciphertext to the target participant node so that the target participant node can monitor the loan application of the loan user to be monitored based on the fund flow information ciphertext.
Optionally, the method for obtaining the fund flow information ciphertext of each client of each participant node of the federated platform includes:
respectively sending a data acquisition request to each participant node of the federated platform, wherein the data acquisition request is used for requesting to acquire fund flow information of each client in the participant node;
receiving fund flow information ciphertext fed back by each participant node; and the fund flow information ciphertext is information obtained by processing each element included in the fund flow information of each client in the participant node according to a preset format for the corresponding participant node and encrypting a processed result.
Optionally, the method for searching the fund flow information ciphertext matched with the monitoring time period element and the user identity information element from each fund flow information ciphertext includes:
performing aggregation processing on each fund flow information ciphertext to obtain an aggregation result;
and searching a fund flow information ciphertext matched with the monitoring time period element and the user identity information element from the aggregation result.
Optionally, in the method, the aggregating each fund flow information ciphertext to obtain an aggregation result includes:
and according to the federal learning average algorithm, carrying out aggregation processing on the fund flow information ciphertext to obtain an aggregation result.
Optionally, the sending the searched fund flow information ciphertext to the target participant node includes:
determining a target element from all elements included in the searched fund flow information ciphertext, and decrypting the target element to obtain a decryption result;
processing the decryption result according to a preset result feedback format to obtain a processing result;
encrypting the processing result;
sending the encrypted processing result to the target participant node;
the loan purpose monitoring of the loan user to be monitored by the target participant node based on the fund flow information ciphertext comprises:
and the target participant node monitors the loan application of the loan user to be monitored based on the encrypted processing result.
A loan usage monitoring apparatus for use with a federal platform, the apparatus comprising:
the loan monitoring system comprises a first acquisition unit, a second acquisition unit and a third acquisition unit, wherein the first acquisition unit is used for responding to a fund flow information inquiry request sent by a target participant node, and acquiring a monitoring time period element and a user identity information element of a loan user to be monitored, which are included in the fund flow information inquiry request;
the second acquisition unit is used for acquiring fund flow information ciphertexts of each client of each participant node of the federal platform; each fund flow information ciphertext comprises a plurality of elements;
the searching unit is used for searching the fund flow information ciphertext matched with the monitoring time period element and the user identity information element from each fund flow information ciphertext;
and the sending unit is used for sending the found fund flow information ciphertext to the target participant node so as to facilitate the target participant node to monitor the loan application of the loan user to be monitored based on the fund flow information ciphertext.
Optionally, the above apparatus, wherein the second obtaining unit is specifically configured to:
respectively sending a data acquisition request to each participant node of the federated platform, wherein the data acquisition request is used for requesting to acquire fund flow information of each client in the participant nodes;
receiving fund flow information ciphertext fed back by each participant node; and the fund flow information ciphertext is information obtained by processing each element included in the fund flow information of each client in the participant node according to a preset format for the corresponding participant node and encrypting a processed result.
Optionally, the above apparatus, wherein the search unit is specifically configured to:
performing aggregation processing on each fund flow information ciphertext to obtain an aggregation result;
and searching a fund flow information ciphertext matched with the monitoring time period element and the user identity information element from the aggregation result.
Optionally, the device described above, where the search unit is configured to, when performing aggregation processing on each fund flow information ciphertext, specifically:
and according to the federal learning average algorithm, carrying out aggregation processing on the fund flow information ciphertext to obtain an aggregation result.
Optionally, the above apparatus, wherein the sending unit is specifically configured to:
determining a target element from all elements included in the searched fund flow information ciphertext, and decrypting the target element to obtain a decryption result;
processing the decryption result according to a preset result feedback format to obtain a processing result;
encrypting the processing result;
sending the encrypted processing result to the target participant node;
and when the target participant node monitors the loan application of the loan user to be monitored based on the fund flow information ciphertext, the target participant node is specifically configured to:
and carrying out loan purpose monitoring on the loan user to be monitored based on the encrypted processing result information.
A storage medium having a set of instructions stored thereon, wherein the set of instructions, when executed by a processor, implement any of the loan use monitoring methods described above.
An electronic device, comprising:
a memory for storing at least one set of instructions;
a processor for executing a set of instructions stored in said memory, said set of instructions being executable to implement any of the loan use monitoring methods described above.
Compared with the prior art, the method has the following advantages:
the invention provides a loan application monitoring method and device, a storage medium and electronic equipment, wherein the method is applied to a federal platform, the inventor can obtain fund flow information ciphertexts of each customer of each participant node by skillfully applying the characteristic that the federal platform can interconnect a plurality of nodes, searches the fund flow information ciphertexts matched with a monitoring time period element and a user identity information element from each fund flow water ciphertext, and sends the searched fund flow information ciphertexts to a target participant node, so that the target participant node can monitor loan application based on the fund flow information ciphertexts.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly introduced below, it is obvious that the drawings in the following description are only embodiments of the present application, and for those skilled in the art, other drawings can be obtained according to the provided drawings without creative efforts.
FIG. 1 is a flow chart of a method of loan usage monitoring provided herein;
FIG. 2 is a flow chart of yet another method of loan usage monitoring provided herein;
FIG. 3 is a flow chart of another method of loan usage monitoring provided herein;
FIG. 4 is a flow chart of another method of loan usage monitoring provided herein;
fig. 5 is a schematic diagram of a loan application monitoring apparatus according to the present application;
fig. 6 is a schematic structural diagram of an electronic device provided in the present application.
Detailed Description
The technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
The term "include" and variations thereof as used herein are open-ended, i.e., "including but not limited to". The term "based on" is "based, at least in part, on". The term "one embodiment" means "at least one embodiment"; the term "another embodiment" means "at least one additional embodiment"; the term "some embodiments" means "at least some embodiments". Relevant definitions for other terms will be given in the following description.
It should be noted that the terms "first", "second", and the like in the disclosure of the present application are only used for distinguishing different devices, modules or units, and are not used for limiting the order or interdependence relationship of the functions performed by the devices, modules or units.
It is noted that references to "a", "an", and "the" modifications in the disclosure herein are exemplary rather than limiting, and those skilled in the art will understand that "one or more" will be understood unless the context clearly dictates otherwise.
It can be known from the above background art that after a loan is issued, there may be a situation that the loan purpose is inconsistent with the application, and a lending bank may only obtain the fund flow information of the user in the bank, and for the loan user, transfer is performed to other banks, or the loan user transfers the fund through multiple nodes such as relatives and friends, and the transferred fund is used for other purposes, because the fund flow information of the loan user in other banks cannot be obtained, the loan purpose of the loan user cannot be monitored, and it is never ensured that a specific loan product can only be used for the corresponding loan purpose.
Therefore, the embodiments of the present application provide a method and an apparatus for monitoring loan usage, which can monitor loan usage, thereby ensuring that a specific loan product can only be used for a corresponding loan usage.
The embodiment of the present application provides a loan purpose monitoring method, which may be applied to a federal platform, where an execution subject of the loan purpose monitoring method is a processor of the federal platform, and a flowchart of the loan purpose monitoring method is shown in fig. 1, and specifically includes:
s101, responding to a fund flow information query request sent by a target participant node, and acquiring a monitoring time period element and a user identity information element of a loan user to be monitored, wherein the monitoring time period element and the user identity information element are included in the fund flow information query request.
In this embodiment, when receiving a fund flow information query request sent by a target participant node, responding to the fund flow information query request, and acquiring a monitoring time period element and a user identity information element of a loan user to be monitored, which are included in the fund flow information query request. The target participant node is any one of the participant nodes of the federal platform, and it should be noted that a preset association relationship exists between the participant nodes of the federal platform, for example, the participant node of the federal platform may be a bank system, and the same client may exist between different bank systems.
In this embodiment, the fund flow information query request may be request information generated by the target participant node after receiving a request from a bank worker, generating a request interface, acquiring a monitoring time period element selected by the bank worker through the request interface and a user identity information element of a loan user to be monitored, encrypting the monitoring time period element, encrypting the user identity information element, and calling a preset request protocol according to the encrypted monitoring time period element and the encrypted user identity information element.
The process by which the target participant node generates the request for a funds movement information query is illustrated as follows:
the target participant node A releases 30 thousands of money for the king in 3, 15 and 2021, the client manager of the node A wants to monitor the fund flow of the king in one release week, the node A encrypts the user identity information elements (including name and identification number) and the monitoring time period elements (20210315-20210322) of the king, and sends a fund flow information query request to the federal platform according to the encrypted elements.
In this embodiment, the process of obtaining the monitoring time period element included in the fund flow information query request and the user identity information element of the loan user to be monitored by the federal platform specifically includes: the federal platform analyzes the fund flow information query request, determines the positions corresponding to the monitoring time period element and the user identity information element of the loan user to be monitored in the fund flow information query request, and extracts the monitoring time period element and the user identity information element of the loan user to be monitored from the determined positions in the fund flow information query request. It should be noted that the extracted monitoring time period element and the user identity information element of the loan user to be monitored are both in an encrypted form.
S102, acquiring fund flow information ciphertexts of each client of each participant node of the federal platform; wherein, each fund flow information ciphertext comprises a plurality of elements.
In this embodiment, in order to keep the user information identity information of the loan user to be monitored secret, all fund flow information ciphertexts of all clients of each participant node of the federal platform need to be acquired. It should be noted that the federal platform can obtain the cipher text of the fund flow information from each participant node in real time.
Wherein each fund flow information ciphertext comprises a plurality of element information including, but not limited to, a transaction time element, a payer account element, a payee account element, a transaction amount element, a loan product element, a loan time element, and a loan term element.
In this embodiment, referring to fig. 2, obtaining the fund flow information ciphertext of each client of each participant node of the federation platform specifically includes the following steps:
s201, sending a data acquisition request to each participant node of the federated platform respectively.
In this embodiment, after receiving a fund flow query request sent by a target participant node, the federal platform generates a data acquisition request, and sends the data acquisition request to each participant node, where the data acquisition request is used to request to acquire fund flow information of each client in the participant node.
S202, receiving fund flow information ciphertext fed back by each participant node.
In this embodiment, after receiving a data acquisition request sent by the federal platform, each participant node acquires all the fund flow information of all its clients and processes all the acquired fund flow information of all the clients, specifically, may comb each element included in the fund flow information, perform data cleaning, data processing, and embedding on the combed data, and encrypt the processed result to obtain a fund flow information ciphertext.
The processed result is encrypted by using a preset encryption algorithm, and optionally, the encryption algorithm includes, but is not limited to, a homomorphic encryption algorithm and a secure multiparty calculation encryption algorithm.
In this embodiment, each participant node transmits the processed and obtained fund flow information ciphertext of each client to the federation platform.
In this embodiment, after receiving the fund flow information ciphertext corresponding to the data acquisition request fed back by each participant node, the federation platform acquires the fund flow information ciphertext.
It should be noted that, in order to ensure the data security of the fund flow information ciphertext, the federal platform does not have a decryption key for decrypting the fund flow information ciphertext, that is, the federal platform cannot perform the integral decryption processing on the fund flow information ciphertext.
S103, searching the fund flow information ciphertext matched with the monitoring time period element and the user identity information element from each fund flow information ciphertext.
In this embodiment, the monitoring time period element and the user identity information element are compared with each element in each fund flow information ciphertext to find out the fund flow information ciphertext in each fund flow information ciphertext matched with the monitoring time period element and the user identity information.
Participating in fig. 3, the process of searching the fund flow information ciphertext matched with the monitoring time period element and the user identity information element from each fund flow information ciphertext specifically includes the following steps:
s301, carrying out aggregation processing on the fund flow information ciphertexts to obtain an aggregation result.
In this embodiment, the aggregation processing is performed on the fund flow information ciphertexts to obtain an aggregation result, and specifically, the fund flow information ciphertexts may be aggregated according to the loan user element and the transaction time element, so that the fund flow information ciphertexts belonging to the same loan user element in each fund flow information are aggregated into a set according to the transaction time.
In this embodiment, the aggregation processing may be performed on each fund flow information ciphertext according to an aggregation algorithm, and optionally, the aggregation algorithm may be a federal average algorithm, that is, the aggregation processing is performed on each fund flow information ciphertext according to a federal learning average algorithm, so as to obtain an aggregation result.
S302, searching a fund flow information ciphertext matched with the monitoring time period element and the user identity information element from the aggregation result.
In this embodiment, the fund flow information ciphertext matched with both the monitoring time period element and the user identity information element is searched from the aggregation result, specifically, the fund flow information ciphertext matched with the user identity information element may be searched from the aggregation result, and then the fund flow ciphertext meeting the monitoring time period element may be searched from the fund flow ciphertext matched with the monitoring time period element.
And S104, sending the searched fund flow information ciphertext to the target participant node so that the target participant node can conveniently monitor the loan application of the loan user to be monitored based on the fund flow information ciphertext.
In this embodiment, the found fund flow information ciphertext is sent to the target participant node, specifically, the target element is extracted from the found fund flow information ciphertext according to a preset extraction rule, and the extracted target element is sent to the target participant node.
In this embodiment, the target participant node receives the target elements fed back by the federal platform, performs loan application monitoring on the loan user to be monitored according to the target elements, specifically, determines the loan application of the loan user to be monitored based on the target elements, and determines whether the determined loan application is consistent with the loan application applied by the loan application, thereby implementing loan application monitoring on the loan user to be monitored. Optionally, if it is determined that the determined loan purpose is inconsistent with the loan purpose applied for the loan application, an alert is generated.
Referring to fig. 4, the process of sending the found fund flow information ciphertext to the target participant node specifically includes:
s401, determining a target element from all elements included in the searched fund flow information ciphertext, and decrypting the target element to obtain a decryption result.
In this embodiment, a target element is determined from the elements included in the searched fund flow information ciphertext, specifically, according to a preset extraction rule, the elements meeting the extraction rule are determined from the elements included in the searched fund flow information ciphertext, and the elements meeting the extraction rule are determined as the target element. For example, for a loan user monitoring scene, the extraction rule may be configured to include a transaction time element, a transaction amount element, and a payee account element.
In this embodiment, the target element is encrypted data, and therefore the target element needs to be decrypted to obtain a decryption result, it should be noted that, based on the federal platform protocol, the federal platform cannot decrypt the fund flow information ciphertext as a whole, but may decrypt a specific element in the fund flow information ciphertext.
S402, processing the decryption result according to a preset result feedback format to obtain a processing result.
In this embodiment, the decryption result is processed according to a preset result feedback format, specifically, the target elements from the ciphertext of the same fund flow information are processed into one record, and the processed records form a processing result, where the result feedback format specifies the position of each target element in the record to be generated, for example, the decryption result 20210318 of the transaction time element, the result 10 ten thousand of the transaction amount element, and the decryption result of the payee account are some, and are processed into 20210318 account transfer 10 ten thousand of some of the transaction time element; the decryption result 20210320 of the transaction time element, the result 5 ten thousand of the transaction amount element, and the decryption result of the payee account are processed into 20210320 money to be transferred to a security institution 5 ten thousand.
S403, encrypting the processing result.
In this embodiment, to avoid leakage of data in the transmission process, the processing result needs to be encrypted.
S404, sending the encrypted processing result to the target participant node.
In this embodiment, the encrypted processing result is sent to the target participant node.
In this embodiment, after receiving the encrypted processing result fed back by the federal platform, the target participant node decrypts the encrypted processing result to obtain a processing result, and performs loan application monitoring on the loan user to be monitored according to the processing result.
In the loan application monitoring method provided by the embodiment of the application, the inventor can obtain the fund flow information ciphertext of each customer of each participant node by skillfully applying the characteristic that a federal platform can interconnect a plurality of nodes, search the fund flow information ciphertext matched with the monitoring time period element and the user identity information element from each fund flow water ciphertext, and send the searched fund flow information ciphertext to the target participant node, so that the target participant node can obtain the fund flow information ciphertexts of other participant nodes, and further can monitor loan application based on the fund flow information ciphertext.
It should be noted that while operations are depicted in a particular order, this should not be understood as requiring that such operations be performed in the particular order shown or in sequential order. Under certain circumstances, multitasking and parallel processing may be advantageous.
It should be understood that the various steps recited in the method embodiments disclosed herein may be performed in a different order and/or performed in parallel. Moreover, method embodiments may include additional steps and/or omit performing the illustrated steps. The scope of the disclosure is not limited in this respect.
Corresponding to the method shown in fig. 1, an embodiment of the present application further provides a loan-purpose monitoring apparatus, which is used for implementing the method shown in fig. 1, and the loan-purpose monitoring apparatus may be applied to a federal platform, and a schematic structural diagram of the loan-purpose monitoring apparatus is shown in fig. 5, and specifically includes:
a first obtaining unit 501, configured to, in response to a fund flow information query request sent by a target participant node, obtain a monitoring time period element included in the fund flow information query request and a user identity information element of a loan user to be monitored;
a second obtaining unit 502, configured to obtain a fund flow information ciphertext of each client of each participant node in the federated platform; each fund flow information ciphertext comprises a plurality of elements;
a searching unit 503, configured to search, from each fund flow information ciphertext, a fund flow information ciphertext matched with the monitoring time period element and the user identity information element;
a sending unit 504, configured to send the found fund flow information ciphertext to the target party node, so that the target party node performs loan purpose monitoring on the loan user to be monitored based on the fund flow information ciphertext.
According to the loan application monitoring device provided by the embodiment of the application, the inventor can obtain the fund flow information ciphertext of each customer of each participant node by skillfully applying the characteristic that a federal platform can interconnect a plurality of nodes, search the fund flow information ciphertext matched with the monitoring time period element and the user identity information element from each fund flow water ciphertext, and send the searched fund flow information ciphertext to the target participant node, so that the target participant node can obtain the fund flow information ciphertexts of other participant nodes, and further can monitor loan application based on the fund flow information ciphertext.
In an embodiment of the present application, based on the foregoing scheme, the second obtaining unit 502 is specifically configured to:
respectively sending a data acquisition request to each participant node of the federated platform, wherein the data acquisition request is used for requesting to acquire fund flow information of each client in the participant node;
receiving fund flow information ciphertext fed back by each participant node; and the fund flow information ciphertext is information obtained by processing each element included in the fund flow information of each client in the participant node according to a preset format for the corresponding participant node and encrypting a processed result.
In an embodiment of the present application, based on the foregoing scheme, the search unit 503 is specifically configured to:
performing aggregation processing on each fund flow information ciphertext to obtain an aggregation result;
and searching a fund flow information ciphertext matched with the monitoring time period element and the user identity information element from the aggregation result.
In an embodiment of the present application, based on the foregoing scheme, when performing aggregation processing on each fund flow information ciphertext, the searching unit 503 is specifically configured to:
and according to the federal learning average algorithm, carrying out aggregation processing on the fund flow information ciphertext to obtain an aggregation result.
In an embodiment of the present application, based on the foregoing scheme, the sending unit 504 is specifically configured to:
determining a target element from all elements included in the searched fund flow information ciphertext, and decrypting the target element to obtain a decryption result;
processing the decryption result according to a preset result feedback format to obtain a processing result;
encrypting the processing result;
sending the encrypted processing result to the target participant node;
when the target participant node monitors the loan application of the loan user to be monitored based on the fund flow information ciphertext, the target participant node is specifically configured to:
and carrying out loan purpose monitoring on the loan user to be monitored based on the encrypted processing result information.
An embodiment of the present application further provides a storage medium, where the storage medium stores an instruction set, where the following operations are performed when the instruction set is executed:
responding to a fund flow information query request sent by a target participant node, and acquiring a monitoring time period element and a user identity information element of a loan user to be monitored, which are included in the fund flow information query request;
acquiring fund flow information ciphertext of each client of each participant node of the federated platform; each fund flow information ciphertext comprises a plurality of elements;
searching the fund flow information ciphertext matched with the monitoring time period element and the user identity information element from each fund flow information ciphertext;
and sending the found fund flow information ciphertext to the target participant node so that the target participant node can monitor the loan application of the loan user to be monitored based on the fund flow information ciphertext.
An electronic device is further provided in the embodiments of the present application, and a schematic structural diagram of the electronic device is shown in fig. 6, and specifically includes a memory 601 for storing at least one set of instruction sets; a processor 602 configured to execute a set of instructions stored in the memory, the execution of the set of instructions resulting in:
responding to a fund flow information query request sent by a target participant node, and acquiring a monitoring time period element and a user identity information element of a loan user to be monitored, which are included in the fund flow information query request;
acquiring fund flow information ciphertext of each client of each participant node of the federated platform; each fund flow information ciphertext comprises a plurality of elements;
searching the fund flow information ciphertext matched with the monitoring time period element and the user identity information element from each fund flow information ciphertext;
and sending the found fund flow information ciphertext to the target participant node so that the target participant node can monitor the loan application of the loan user to be monitored based on the fund flow information ciphertext.
Although the subject matter has been described in language specific to structural features and/or methodological acts, it is to be understood that the subject matter defined in the appended claims is not necessarily limited to the specific features or acts described above. Rather, the specific features and acts described above are disclosed as example forms of implementing the claims.
While several specific implementation details are included in the above discussion, these should not be construed as limitations on the scope of the disclosure. Certain features that are described in the context of separate embodiments can also be implemented in combination in a single embodiment. Conversely, various features that are described in the context of a single embodiment can also be implemented in multiple embodiments separately or in any suitable subcombination.
The foregoing description is only exemplary of the preferred embodiments disclosed herein and is illustrative of the principles of the technology employed. It will be appreciated by those skilled in the art that the scope of the disclosure herein is not limited to the particular combination of features described above, but also encompasses other arrangements formed by any combination of the above features or their equivalents without departing from the spirit of the disclosure. For example, the above features and (but not limited to) technical features having similar functions disclosed in the present disclosure are mutually replaced to form the technical solution.
Claims (10)
1. A loan usage monitoring method, for use on a federal platform, the method comprising:
responding to a fund flow information query request sent by a target participant node, and acquiring a monitoring time period element and a user identity information element of a loan user to be monitored, which are included in the fund flow information query request;
acquiring fund flow information ciphertext of each client of each participant node of the federated platform; each fund flow information ciphertext comprises a plurality of elements;
searching the fund flow information ciphertext matched with the monitoring time period element and the user identity information element from each fund flow information ciphertext;
and sending the found fund flow information ciphertext to the target participant node so that the target participant node can monitor the loan application of the loan user to be monitored based on the fund flow information ciphertext.
2. The method of claim 1, wherein obtaining the funds movement information ciphertext for each client of each participant node of the federated platform comprises:
respectively sending a data acquisition request to each participant node of the federated platform, wherein the data acquisition request is used for requesting to acquire fund flow information of each client in the participant nodes;
receiving fund flow information ciphertext fed back by each participant node; and the fund flow information ciphertext is information obtained by processing each element included in the fund flow information of each client in the participant node according to a preset format for the corresponding participant node and encrypting a processed result.
3. The method of claim 1, wherein the searching for the fund flow information ciphertext that matches the monitoring time period element and the user identity information element from each fund flow information ciphertext comprises:
performing aggregation processing on each fund flow information ciphertext to obtain an aggregation result;
and searching a fund flow information ciphertext matched with the monitoring time period element and the user identity information element from the aggregation result.
4. The method according to claim 3, wherein the aggregating the respective fund flow information ciphertexts to obtain an aggregate result comprises:
and according to the federal learning average algorithm, carrying out aggregation processing on the fund flow information ciphertext to obtain an aggregation result.
5. The method of claim 1, wherein sending the found fund flow information ciphertext to the target participant node comprises:
determining a target element from all elements included in the searched fund flow information ciphertext, and decrypting the target element to obtain a decryption result;
processing the decryption result according to a preset result feedback format to obtain a processing result;
encrypting the processing result;
sending the encrypted processing result to the target participant node;
the loan purpose monitoring of the loan user to be monitored by the target participant node based on the fund flow information ciphertext comprises:
and the target participant node monitors the loan application of the loan user to be monitored based on the encrypted processing result.
6. A loan usage monitoring apparatus for use with a federal platform, the apparatus comprising:
the loan monitoring system comprises a first acquisition unit, a second acquisition unit and a third acquisition unit, wherein the first acquisition unit is used for responding to a fund flow information inquiry request sent by a target participant node, and acquiring a monitoring time period element and a user identity information element of a loan user to be monitored, which are included in the fund flow information inquiry request;
the second acquisition unit is used for acquiring fund flow information ciphertexts of each client of each participant node of the federal platform; each fund flow information ciphertext comprises a plurality of elements;
the searching unit is used for searching the fund flow information ciphertext matched with the monitoring time period element and the user identity information element from each fund flow information ciphertext;
and the sending unit is used for sending the found fund flow information ciphertext to the target participant node so as to facilitate the target participant node to monitor the loan application of the loan user to be monitored based on the fund flow information ciphertext.
7. The apparatus according to claim 6, wherein the second obtaining unit is specifically configured to:
respectively sending a data acquisition request to each participant node of the federated platform, wherein the data acquisition request is used for requesting to acquire fund flow information of each client in the participant nodes;
receiving fund flow information ciphertext fed back by each participant node; and the fund flow information ciphertext is information obtained by processing each element included in the fund flow information of each client in the participant node according to a preset format for the corresponding participant node and encrypting a processed result.
8. The apparatus according to claim 6, wherein the search unit is specifically configured to:
performing aggregation processing on each fund flow information ciphertext to obtain an aggregation result;
and searching a fund flow information ciphertext matched with the monitoring time period element and the user identity information element from the aggregation result.
9. A storage medium storing a set of instructions, wherein the set of instructions, when executed by a processor, implement a loan usage monitoring method as claimed in any one of claims 1 to 5.
10. An electronic device, comprising:
a memory for storing at least one set of instructions;
a processor for executing a set of instructions stored in the memory, the set of instructions being executable to implement a loan usage monitoring method as claimed in any one of claims 1 to 5.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202110769155.1A CN113436008A (en) | 2021-07-07 | 2021-07-07 | Loan purpose monitoring method and device, storage medium and electronic equipment |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202110769155.1A CN113436008A (en) | 2021-07-07 | 2021-07-07 | Loan purpose monitoring method and device, storage medium and electronic equipment |
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| CN113436008A true CN113436008A (en) | 2021-09-24 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN202110769155.1A Pending CN113436008A (en) | 2021-07-07 | 2021-07-07 | Loan purpose monitoring method and device, storage medium and electronic equipment |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN114782175A (en) * | 2022-06-23 | 2022-07-22 | 天津金城银行股份有限公司 | Bank loan data request method and device and electronic equipment |
| CN115795523A (en) * | 2023-02-13 | 2023-03-14 | 水发大正科技服务有限公司 | Loan information encryption management platform based on financial big data |
-
2021
- 2021-07-07 CN CN202110769155.1A patent/CN113436008A/en active Pending
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN114782175A (en) * | 2022-06-23 | 2022-07-22 | 天津金城银行股份有限公司 | Bank loan data request method and device and electronic equipment |
| CN115795523A (en) * | 2023-02-13 | 2023-03-14 | 水发大正科技服务有限公司 | Loan information encryption management platform based on financial big data |
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