CN113554499A - Little financial wind control system based on big data and artificial intelligence - Google Patents
Little financial wind control system based on big data and artificial intelligence Download PDFInfo
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- CN113554499A CN113554499A CN202110711479.XA CN202110711479A CN113554499A CN 113554499 A CN113554499 A CN 113554499A CN 202110711479 A CN202110711479 A CN 202110711479A CN 113554499 A CN113554499 A CN 113554499A
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Abstract
The invention relates to the technical field of finance, and discloses a small and micro financial wind control system based on big data and artificial intelligence. This little financial wind control system based on big data and artificial intelligence, through keyword extraction and comparison method in risk management server to the risk item classify, assess in risk assessment server classified risk item simultaneously, can improve risk management and control efficiency, can manage and control the risk automatically in real time, and then the emergence of the major risk item of avoiding, can be through real-time calculation engine, carry out quick analysis processes to the information, then compare the data that obtain, thereby improve the promptness of result, and can improve and update the wind control rule in time, make the risk control to the transaction process more comprehensive, and save manpower resources.
Description
Technical Field
The invention relates to the technical field of finance, in particular to a small and micro financial wind control system based on big data and artificial intelligence.
Background
Financial wind control refers to risk control, and risk control refers to the fact that a risk manager takes various measures and methods to eliminate or reduce various possibilities of occurrence of risk events or reduce losses caused when the risk events occur.
The traditional risk control method is to preset a plurality of wind control rules, and different wind control rules can be used for controlling different transaction risks. Transaction data acquired by the system needs to be verified by the wind control rule before entering background interaction, only the data verified by the wind control rule is considered as normal data, the data not verified by the wind control rule can be directly intercepted, and a corresponding data source (such as a trader) can be subjected to corresponding treatment punishment.
However, in the existing risk control method, subjectivity and irrationality may exist in setting of the wind control rule, a large amount of human resources are wasted in wind control management, and the wind control result is only simple comparison between the existing data and the past data, and is not verified through a formula, so that the result accuracy is low.
Disclosure of Invention
Aiming at the defects of the prior art, the invention provides a small and micro financial wind control system based on big data and artificial intelligence, which solves the problems that subjectivity and irrationality may exist in the setting of wind control rules in the existing risk control method, a large amount of human resources are wasted in wind control management, the wind control result is only simple comparison between the existing data and the past data, formula checking is not passed, and the result accuracy is low.
The invention provides the following technical scheme: a small and micro financial wind control system based on big data and artificial intelligence comprises a data collection unit, a data analysis unit, a risk analysis unit, a processor, a communication unit and a cloud database, wherein the output end of the data collection unit is electrically connected with the input end of the data analysis unit, the output end of the data analysis unit is electrically connected with the input end of the risk analysis unit, the output end of the risk analysis unit is electrically connected with the input end of the processor, the output end of the processor is electrically connected with the input end of the communication unit, and the output end of the communication unit is in network connection with the cloud database;
the data collection unit is used for acquiring transaction information data generated by an external system according to different business processes;
the data analysis unit comprises a data identification module, a data classification module and a key information extraction unit and is used for transmitting the classified data information to the risk analysis unit according to categories;
the risk analysis unit comprises a real-time calculation engine and a risk assessment module; calculating and processing the received data information through a real-time calculation engine, simultaneously calculating corresponding indexes of each collected theme to further obtain a plurality of data sets corresponding to the indexes, transmitting the corresponding data to a risk evaluation unit module, and transmitting the evaluated information to a processor;
the processor comprises a risk processing module, a data storage module and a time module, wherein the input end of the processor is electrically connected with the input end of the control panel, different early warning information can be sent according to the risk level of the information, the information is stored, and the information is sent to the cloud end through the communication unit.
Preferably, the calculation formula of the real-time calculation engine is a mecolli long-term formula, a kaiens LM equation, a CML line, a t test, an option evaluation formula and a dupont analysis method, different calculation formulas are rotated according to different working requirements, and a worker can also rotate different calculation formulas through a control panel, the real-time calculation engine can adopt, for example, Spark, Flink and the like, the index calculation method related to the calculation step is not a development point of the invention, and a specific calculation formula can be configured for different subjects and categories according to needs, for example, the long-term monitoring can be carried out through the mecolli long-term formula.
Preferably, the risk evaluation unit divides the information into three levels, namely low risk, medium risk and high risk according to the result obtained by calculation and processing of the calculation engine, and can perform different early warning reminders according to different risk levels.
Preferably, the risk processing unit includes a statistical module, a distribution module and processing nodes, and the statistical module is connected to each processing node respectively and is used for acquiring a matching result obtained by matching the data information by each processing node; the generating unit is connected with the statistical unit and used for generating a new combined wind control rule according to the matching result; the generating unit deploys the generated combined wind control rule to the corresponding processing node, and in the subsequent wind control processing of the risk data, the processing node matches the transaction data according to the initial wind control rule and also needs to match the transaction data according to the updated combined wind control rule. The whole process is the automatic learning and updating and adjusting process of the wind control rule, so that the wind control rule is prevented from being updated manually, and meanwhile, the real-time performance of wind control processing on transaction data is guaranteed.
Preferably, the communication unit realizes 12V DC/DC conversion to low voltage, an ethernet interface, wireless communication, an expansion interface, and factory setting restoration keys, and the following functions are realized by programming by embedding an operating system in an internal high-performance MCU:
(1) on the basis of an LWIP network protocol stack, an HTTP protocol is expanded to realize the function of uploading files to a gateway, and configuration files can be uploaded to the gateway remotely by using the HTTP protocol to realize the configuration of gateway parameters;
(2) the gateway is linked with the cloud platform through a UDP (user datagram protocol), and the heartbeat packet is reported regularly, so that the cloud platform can check the link state of the gateway;
(3) the gateway detects the RF433 wireless network, uploads the data files in the processor at regular time, and backs up and updates the data files to the cloud in real time so as to prevent data loss.
Preferably, the hardware of the control panel realizes 220V alternating current to direct current low voltage power supply, capacitance touch keys, wireless communication and Bluetooth transmission.
Compared with the prior art, the invention provides a small and micro financial wind control system based on big data and artificial intelligence, which has the following beneficial effects:
this little financial wind control system based on big data and artificial intelligence, when using, through keyword extraction and comparison method in risk management server to the risk item classify, assess in risk assessment server classified risk item simultaneously, can improve risk management and control efficiency, can manage and control the risk automatically in real time, and then the emergence of the major risk item of avoiding, can be through real-time calculation engine, carry out quick analysis processes to the information, then compare the data that obtain, thereby improve the promptness of result, and can improve and update the wind control rule in time, make the risk control to the transaction process more comprehensive, and save manpower resources.
This little financial wind control system based on big data and artificial intelligence when using, can pass through the communication unit with the data in the treater and upload to the high in the clouds backup, avoid data loss, and can follow the high in the clouds and download data, real-time update guarantees that the threshold value that the risk level was judged satisfies the work demand all the time, and the threshold value accessible control panel that the risk level was judged carries out manual regulation to adapt to different work demands.
Drawings
FIG. 1 is a schematic structural view of the present invention;
FIG. 2 is a schematic diagram of a risk processing unit according to the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, 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 invention.
Referring to fig. 1-2, a small and micro financial wind control system based on big data and artificial intelligence comprises a data collection unit, a data analysis unit, a risk analysis unit, a processor, a communication unit and a cloud database, wherein an output end of the data collection unit is electrically connected with an input end of the data analysis unit, an output end of the data analysis unit is electrically connected with an input end of the risk analysis unit, an output end of the risk analysis unit is electrically connected with an input end of the processor, an output end of the processor is electrically connected with an input end of the communication unit, and an output end of the communication unit is in network connection with the cloud database;
the data collection unit is used for acquiring transaction information data generated by an external system according to different business processes;
the data analysis unit comprises a data identification module, a data classification module and a key information extraction unit and is used for transmitting the classified data information to the risk analysis unit according to categories;
the risk analysis unit comprises a real-time calculation engine and a risk assessment module; calculating and processing the received data information through a real-time calculation engine, simultaneously calculating corresponding indexes of each collected theme to further obtain a plurality of data sets corresponding to the indexes, transmitting the corresponding data to a risk evaluation unit module, and transmitting the evaluated information to a processor;
the processor comprises a risk processing module, a data storage module and a time module, wherein the input end of the processor is electrically connected with the input end of the control panel, different early warning information can be sent according to the risk level of the information, the information is stored, and the information is sent to the cloud end through the communication unit.
Further, the calculation formula of the real-time calculation engine is a mecolly's long term formula, a kaiens LM equation, a CML line, a t test, an option evaluation formula and a dupont analysis method, different calculation formulas are rotated according to different working requirements, and a worker can also rotate different calculation formulas through a control panel, the real-time calculation engine can adopt, for example, Spark, Flink and the like, the index calculation method related to the calculation step is not a development point of the invention, and a specific calculation formula can be configured for different subjects and categories according to needs, for example, the long term is monitored, and then calculation can be performed through the mecolly's long term formula.
Further, the risk evaluation unit divides the information into three levels, namely low risk, medium risk and high risk according to the result obtained by calculation and processing of the calculation engine, and can perform different early warning reminders according to different risk levels.
Furthermore, the risk processing unit comprises a statistical module, a distribution module and processing nodes, wherein the statistical module is respectively connected with each processing node and is used for acquiring a matching result obtained by matching the data information by each processing node; the generating unit is connected with the statistical unit and used for generating a new combined wind control rule according to the matching result; the generating unit deploys the generated combined wind control rule to the corresponding processing node, and in the subsequent wind control processing of the risk data, the processing node matches the transaction data according to the initial wind control rule and also needs to match the transaction data according to the updated combined wind control rule. The whole process is the automatic learning and updating and adjusting process of the wind control rule, so that the wind control rule is prevented from being updated manually, and meanwhile, the real-time performance of wind control processing on transaction data is guaranteed.
Further, the communication unit realizes 12V direct current power supply DC/DC to low voltage, an Ethernet interface, wireless communication, an expansion interface and factory setting restoration keys, an operating system is embedded through an internal high-performance MCU, and the following functions are realized through programming:
(1) on the basis of an LWIP network protocol stack, an HTTP protocol is expanded to realize the function of uploading files to a gateway, and configuration files can be uploaded to the gateway remotely by using the HTTP protocol to realize the configuration of gateway parameters;
(2) the gateway is linked with the cloud platform through a UDP (user datagram protocol), and the heartbeat packet is reported regularly, so that the cloud platform can check the link state of the gateway;
(3) the gateway detects the RF433 wireless network, uploads the data files in the processor at regular time, and backs up and updates the data files to the cloud in real time so as to prevent data loss.
Furthermore, the hardware of the control panel realizes 220V alternating current to direct current low voltage power supply, capacitance touch keys, wireless communication and Bluetooth transmission, and is convenient to use and operate by a user.
To sum up, this little financial wind control system based on big data and artificial intelligence, when using, through keyword extraction and comparison method in risk management server to the risk item classify, assess categorised risk item in the risk assessment server simultaneously, can improve risk management and control efficiency, can automatic real-time manage and control the risk, and then the emergence of the major risk item of avoiding, can be through real-time calculation engine, carry out quick analysis processes to the information, then compare the data that obtains, thereby improve the promptness of result, and can improve in time and update the wind control rule, make the risk control to the transaction process more comprehensive, and save manpower resources.
This little financial wind control system based on big data and artificial intelligence when using, can pass through the communication unit with the data in the treater and upload to the high in the clouds backup, avoid data loss, and can follow the high in the clouds and download data, real-time update guarantees that the threshold value that the risk level was judged satisfies the work demand all the time, and the threshold value accessible control panel that the risk level was judged carries out manual regulation to adapt to different work demands.
It is to be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.
The standard parts used in the present application document can be purchased from the market, and can be customized according to the description of the specification and the accompanying drawings, the specific connection mode of each part adopts the conventional means matured in the prior art, the machines, the parts and the equipment adopt the conventional types in the prior art, the circuit connection adopts the conventional connection mode in the prior art, no specific description is provided here, meanwhile, the electric elements appearing in the specification are electrically connected with the external main controller and the mains supply, the peripheral controller mentioned in the specification can play a control role for the electric elements mentioned in the specification, and the peripheral controller is the conventional known equipment.
Although embodiments of the present invention have been shown and described, it will be appreciated by those skilled in the art that changes, modifications, substitutions and alterations can be made in these embodiments without departing from the principles and spirit of the invention, the scope of which is defined in the appended claims and their equivalents.
Claims (6)
1. The utility model provides a little financial wind control system based on big data and artificial intelligence which characterized in that: the system comprises a data collection unit, a data analysis unit, a risk analysis unit, a processor, a communication unit and a cloud database, wherein the output end of the data collection unit is electrically connected with the input end of the data analysis unit, the output end of the data analysis unit is electrically connected with the input end of the risk analysis unit, the output end of the risk analysis unit is electrically connected with the input end of the processor, the output end of the processor is electrically connected with the input end of the communication unit, and the output end of the communication unit is in network connection with the cloud database;
the data collection unit is used for acquiring transaction information data generated by an external system according to different business processes;
the data analysis unit comprises a data identification module, a data classification module and a key information extraction unit and is used for transmitting the classified data information to the risk analysis unit according to categories;
the risk analysis unit comprises a real-time calculation engine and a risk assessment module; calculating and processing the received data information through a real-time calculation engine, simultaneously calculating corresponding indexes of each collected theme to further obtain a plurality of data sets corresponding to the indexes, transmitting the corresponding data to a risk evaluation unit module, and transmitting the evaluated information to a processor;
the processor comprises a risk processing module, a data storage module and a time module, wherein the input end of the processor is electrically connected with the input end of the control panel, different early warning information can be sent according to the risk level of the information, the information is stored, and the information is sent to the cloud end through the communication unit.
2. The wind control system for micro finance based on big data and artificial intelligence, according to claim 1, is characterized in that: the calculation formula of the real-time calculation engine is a mecolly long-term formula, a Keynes LM equation, a CML line, a t test, an option evaluation formula and a DuPont analysis method.
3. The wind control system for micro finance based on big data and artificial intelligence, according to claim 1, is characterized in that: and the risk evaluation unit divides the information into three grades, namely low risk, medium risk and high risk according to the result obtained by calculation and processing of the calculation engine.
4. The wind control system for micro finance based on big data and artificial intelligence, according to claim 1, is characterized in that: the risk processing unit comprises a statistical module, a distribution module and processing nodes, wherein the statistical module is respectively connected with each processing node and is used for acquiring a matching result obtained by matching the data information by each processing node; the generating unit is connected with the statistical unit and used for generating a new combined wind control rule according to the matching result; the generating unit deploys the generated combined wind control rule to the corresponding processing node, and in the subsequent wind control processing of the risk data, the processing node matches the transaction data according to the initial wind control rule and also needs to match the transaction data according to the updated combined wind control rule.
5. The wind control system for micro finance based on big data and artificial intelligence, according to claim 1, is characterized in that: the communication unit hardware realizes 12V direct current power supply DC/DC to low voltage, an Ethernet interface, wireless communication, an expansion interface and factory setting restoration keys, an operating system is embedded through an internal high-performance MCU, and the following functions are realized through programming:
(1) on the basis of an LWIP network protocol stack, an HTTP protocol is expanded to realize the function of uploading files to a gateway, and configuration files can be uploaded to the gateway remotely by using the HTTP protocol to realize the configuration of gateway parameters;
(2) the gateway is linked with the cloud platform through a UDP (user datagram protocol), and the heartbeat packet is reported regularly, so that the cloud platform can check the link state of the gateway;
(3) the gateway detects the RF433 wireless network, uploads the data files in the processor at regular time, and backs up and updates the data files to the cloud in real time so as to prevent data loss.
6. The wind control system for micro finance based on big data and artificial intelligence, according to claim 1, is characterized in that: the hardware of the control panel realizes 220V alternating current to direct current low-voltage power supply, capacitance touch keys, wireless communication and Bluetooth transmission.
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| CN202110711479.XA CN113554499A (en) | 2021-06-25 | 2021-06-25 | Little financial wind control system based on big data and artificial intelligence |
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| CN202110711479.XA CN113554499A (en) | 2021-06-25 | 2021-06-25 | Little financial wind control system based on big data and artificial intelligence |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN114693459A (en) * | 2022-04-15 | 2022-07-01 | 北京百度网讯科技有限公司 | Risk control method and device based on financial scene and electronic equipment |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN114693459A (en) * | 2022-04-15 | 2022-07-01 | 北京百度网讯科技有限公司 | Risk control method and device based on financial scene and electronic equipment |
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Application publication date: 20211026 |