CN113869999A - Comprehensive risk early warning system based on market big data and credit risks of two transaction parties - Google Patents
Comprehensive risk early warning system based on market big data and credit risks of two transaction parties Download PDFInfo
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- CN113869999A CN113869999A CN202110966688.9A CN202110966688A CN113869999A CN 113869999 A CN113869999 A CN 113869999A CN 202110966688 A CN202110966688 A CN 202110966688A CN 113869999 A CN113869999 A CN 113869999A
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Abstract
The invention relates to the technical field of data analysis, and discloses a comprehensive risk early warning system based on market big data and credit risks of both trading parties. The comprehensive risk early warning system based on market big data and credit risks of two transaction parties obtains information data and transaction contents of the two transaction parties of an account number, a fund going-and-going way and real-time position information of a user, a risk assessment unit judges whether frequent abnormal transactions exist according to the information of the account numbers of the two transaction parties, tracks the positions of the account numbers which are possibly abnormal, sends prompt information to a transaction paying party through an early warning prompt unit when the transaction risk of a transaction receiving party is found, marks the account number information of the transaction receiving party and reports the information to a risk master control platform.
Description
Technical Field
The invention relates to the technical field of data analysis, in particular to a comprehensive risk early warning system based on market big data and credit risks of two transaction parties.
Background
With the development of e-commerce platforms, network transactions are more and more extensive, but because various fund flow loopholes exist in the network transactions, illegal persons can take advantage of the network transactions easily, criminal behaviors are implemented during e-commerce transactions, and property losses are caused to merchants and consumers.
Therefore, a comprehensive risk early warning system based on market big data and credit risks of both trading parties is needed, and the comprehensive risk early warning system has the functions of judging whether frequent abnormal trading exists according to the information of the account numbers of both trading parties and tracking the positions of the account numbers which are possibly abnormal.
The method comprises the steps of obtaining information data and transaction contents of both sides of an account transaction, a fund transaction path of a user and real-time position information, judging whether frequent abnormal transactions exist in the risk assessment unit according to the information of the accounts of both sides of the transaction, tracking the positions of the accounts which are possibly abnormal, sending prompt information to a transaction paying party through an early warning prompt unit when the transaction risk of a transaction receiving party is found, marking the account information of the transaction receiving party, and reporting the account information to a risk master control platform.
Disclosure of Invention
In order to achieve the purposes of judging whether frequent abnormal transactions exist according to the information of the account numbers of both transaction parties and tracking the positions of the account numbers which are possibly abnormal, the invention provides the following technical scheme: comprehensive risk early warning system based on market big data and both sides of trading credit risk includes identity authentication unit, transaction request unit, information acquisition unit, risk evaluation unit and early warning suggestion unit, wherein:
the identity authentication unit registers after the user uploads identity information to obtain a user account, classifies the user account according to a user request, and registers and stores the account information of the user;
the transaction request unit is used for accessing the information transaction platform after a user logs in a personal account of the user, performing transaction connection according to the transaction requirement of the user and analyzing the transaction requirement of the user;
the information acquisition unit is used for acquiring information data and transaction contents of both sides of account transaction, a fund communication path of a user and real-time position information;
the risk evaluation unit judges whether frequent abnormal transactions exist according to the information of the account numbers of the two transaction parties and tracks the positions of the account numbers which are possibly abnormal;
and the early warning prompting unit is used for sending prompting information to the transaction paying party when the transaction risk of the transaction receiving party is found, marking the account information of the transaction receiving party and reporting the account information to the risk master control platform.
As optimization, the identity authentication unit is connected to the transaction request unit, the transaction request unit is connected to the information acquisition unit, the information acquisition unit is connected to the risk assessment unit, and the risk assessment unit is connected to the early warning prompt unit.
As an optimization, the identity authentication unit comprises an identity registration module, a level classification module and an information recording module, wherein:
the identity registration module uploads identity information of a user, including identity card information and face graphic information, and performs real-name authentication to obtain an identity account;
the system comprises a level classification module, a registration module and a registration module, wherein when a user registers for application, user accounts are classified according to the identity application of the user, and the user accounts comprise merchant accounts and consumer accounts;
and the information recording module is used for recording the identity information of the user during registration and used as a carrier during login authentication of the user.
As an optimization, the information acquisition unit acquires transaction data from a market big data system for use as a basis for risk analysis.
As an optimization, the information acquisition unit further comprises a user real-time position acquisition module, and after the user logs in the personal account of the user, the user real-time acquires the IP address of the login device of the account and the real-time position of the login device, and encrypts the information.
As an optimization, the transaction request unit comprises an information transaction platform, a request acceptance module and a request analysis module, wherein:
the information transaction platform is an exchange platform used for issuing commodity information by a merchant and sending a transaction request by a consumer, and has certain information openness;
the request receiving module is used for establishing a communication channel between a merchant account and a consumer account;
and the request analysis module is used for analyzing whether the request is abnormal or not through the large market data after the information transaction platform receives the transaction request sent by the consumer.
As optimization, the information trading platform comprises a commodity display platform and a trading platform, and the trading platform is connected to the trading channel switching platform, so that a user can conveniently carry out fund exchange.
As optimization, the risk assessment unit comprises a risk judgment module, a risk total control platform and an account tracking module, wherein:
the risk judgment module is used for carrying out risk judgment according to the account information of the transaction request sender and the previous transaction flow of the account;
the risk master control platform is used for marking and controlling the account with the risk through the risk master control platform;
and the account tracking module finds the account with transaction risk, needs to track and check the location and equipment login IP, and records the account on the risk master control platform.
And as optimization, the risk master control platform is connected to the police service network system and transmits the information of the abnormal account to the police service network system.
The invention has the beneficial effects that: the comprehensive risk early warning system based on market big data and credit risks of both trading parties obtains information data and trading contents of both trading parties of an account number, a fund going-and-going way and real-time position information of a user, a risk assessment unit judges whether frequent abnormal trading exists according to the information of the account numbers of both trading parties, tracks the positions of the account numbers which are possibly abnormal, sends prompt information to a trading paying party through an early warning prompt unit when the trading risk of a trading receiving party is found, marks the account number information of the trading receiving party and reports the information to a risk master control platform.
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FIG. 1 is a schematic view of the structure of the present invention.
In the figure: 1. an identity authentication unit; 11. an identity registration module; 12. a grade classification module; 13. an information recording module; 2. a transaction request unit; 21. an information transaction platform; 22. a request acceptance module; 23. And a request analysis module; 3. an information acquisition unit; 4. a risk assessment unit; 41. a risk judgment module; 42. a risk master control platform; 43. an account tracking module; 5. and an early warning prompting unit.
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, the comprehensive risk early warning system based on market big data and credit risks of both trading parties includes an identity authentication unit 1, a trading request unit 2, an information acquisition unit 3, a risk assessment unit 4 and an early warning prompt unit 5, the identity authentication unit 1 is connected to the trading request unit 2, the trading request unit 2 is connected to the information acquisition unit 3, the information acquisition unit 3 is connected to the risk assessment unit 4, and the risk assessment unit 4 is connected to the early warning prompt unit 5, wherein:
the identity authentication unit 1 registers after uploading identity information by a user to obtain a user account, classifies the user account according to a user request, and registers and stores the account information of the user;
the identity authentication unit 1 comprises an identity registration module 11, a level classification module 12 and an information recording module 13, wherein:
the identity registration module 11 uploads the identity information of a user, including identity card information and face graphic information, and performs real-name authentication to obtain an identity account;
the level classification module 12 classifies user accounts including merchant accounts and consumer accounts according to the user identity application when the user is applied for registration;
the information recording module 13 records the identity information of the user during registration as a carrier during login authentication of the user;
the transaction request unit 2 is used for accessing the information transaction platform 21 after a user logs in a personal account of the user, performing transaction connection according to the transaction requirement of the user, and analyzing the transaction requirement of the user;
the transaction request unit 2 includes an information transaction platform 21, a request acceptance module 22 and a request analysis module 23, wherein:
the information transaction platform 21 comprises a commodity display platform and a transaction platform, the transaction platform is connected to the transaction channel switching platform, the user can conveniently conduct fund exchange, the information transaction platform is used for a merchant to issue commodity information and a consumer to send a transaction request, and the information transaction platform has certain information openness;
the request receiving module 22 is used for establishing a communication channel between the merchant account and the consumer account;
the request analysis module 23 is used for analyzing whether the request is abnormal or not through the large market data after the information transaction platform 21 receives the transaction request sent by the consumer;
the information acquisition unit 3 is used for acquiring information data and transaction contents of both sides of account transaction, fund traffic ways of users and real-time position information, the information acquisition unit 3 is used for acquiring transaction data from a market big data system and used as a basis for risk analysis, and the information acquisition unit 3 further comprises a user real-time position acquisition module which is used for acquiring the IP address of login equipment of an account and the real-time position of the login equipment in real time after the user logs in the personal account of the user and encrypting the information;
the risk evaluation unit 4 judges whether frequent abnormal transactions exist according to the information of the account numbers of the two transaction parties, and tracks the positions of the account numbers which are possibly abnormal;
the risk assessment unit 4 comprises a risk judgment module 41, a risk total control platform 42 and an account tracking module 43, wherein:
a risk judgment module 41 for performing risk judgment according to the account information of the transaction request issuing party and the previous transaction flow of the account;
the risk master control platform 42 is used for sending the judgment result to the risk master control platform 42 through the risk judgment module 41, marking and controlling the account with the risk through the risk master control platform 42, and the risk master control platform 42 is connected to the police network system and transmits the information of the abnormal account to the police network system;
the account tracking module 43 finds the account with transaction risk, needs to track and verify the location and the equipment login IP, and records the account on the risk total control platform 42.
And the early warning prompting unit 5 is used for sending prompting information to the transaction paying party when the transaction receiving party is found to have a transaction risk, marking the account information of the transaction receiving party and reporting the account information to the risk master control platform 42.
The working principle is as follows: after uploading identity information, a user registers to obtain a user account, the user account is classified according to a user request, the account information of the user is registered and stored, the user can access the information transaction platform 21 after logging in a personal account of the user, transaction connection is carried out according to the transaction requirement of the user, and the transaction requirement of the user is analyzed;
the method comprises the steps of obtaining information data and transaction contents of both sides of an account transaction, a fund transaction path of a user and real-time position information, judging whether frequent abnormal transactions exist or not by a risk evaluation unit 4 according to the information of the accounts of both sides of the transaction, tracking the positions of the accounts which are possibly abnormal, sending prompt information to a transaction paying party through an early warning prompt unit 5 when the transaction risk of a transaction receiving party is found, marking the account information of the transaction receiving party, and reporting the information to a risk master control platform 42.
In summary, based on the market big data and the comprehensive risk early warning system for credit risks of both transaction parties, the risk assessment unit 4 obtains information data and transaction contents of both account transaction parties, the fund traffic route of the user, and real-time position information, and according to the information of the account numbers of both transaction parties, judges whether frequent abnormal transactions exist, tracks the positions of the account numbers which may be abnormal, and when a transaction recipient is found to have a transaction risk, sends a prompt message to a transaction paying party through the early warning prompt unit 5, marks the account number information of the transaction recipient, and reports the information to the risk master control platform 42.
The above description is only for the preferred embodiment of the present invention, but the scope of the present invention is not limited thereto, and any person skilled in the art should be able to cover the technical scope of the present invention and the equivalent alternatives or modifications according to the technical solution and the inventive concept of the present invention within the technical scope of the present invention.
Claims (9)
1. Comprehensive risk early warning system based on market big data and both sides of trading credit risk, its characterized in that: including authentication unit (1), transaction request unit (2), information acquisition unit (3), risk assessment unit (4) and early warning suggestion unit (5), wherein:
the identity authentication unit (1) registers after uploading identity information by a user to obtain a user account, classifies the user account according to a user request, and registers and stores the account information of the user;
the transaction request unit (2) can access the information transaction platform (21) after a user logs in the personal account number of the user, performs transaction connection according to the transaction requirement of the user, and analyzes the transaction requirement of the user;
the information acquisition unit (3) is used for acquiring information data and transaction contents of both sides of account transaction, a fund communication path of a user and real-time position information;
the risk evaluation unit (4) judges whether frequent abnormal transactions exist according to the information of the account numbers of the two transaction parties, and tracks the positions of the account numbers which are possibly abnormal;
and the early warning prompting unit (5) is used for sending prompting information to the transaction paying party when the transaction receiving party is found to have a transaction risk, marking the account information of the transaction receiving party and reporting the account information to the risk master control platform (42).
2. The comprehensive risk early warning system based on market big data and credit risk of both trading parties according to claim 1, characterized in that: the identity authentication unit (1) is connected to a transaction request unit (2), the transaction request unit (2) is connected to an information acquisition unit (3), the information acquisition unit (3) is connected to a risk assessment unit (4), and the risk assessment unit (4) is connected to an early warning prompt unit (5).
3. The comprehensive risk early warning system based on market big data and credit risk of both trading parties according to claim 1, characterized in that: the identity authentication unit (1) comprises an identity registration module (11), a level classification module (12) and an information recording module (13), wherein:
the identity registration module (11) uploads the identity information of a user, including identity card information and face graphic information, and performs real-name authentication to obtain an identity account;
the system comprises a grade classification module (12) and a user registration module, wherein when a user registers for application, user accounts are classified according to the identity application of the user, and the user accounts comprise merchant accounts and consumer accounts;
and the information recording module (13) is used for recording the identity information of the user during registration and used as a carrier during login authentication of the user.
4. The comprehensive risk early warning system based on market big data and credit risk of both trading parties according to claim 1, characterized in that: the information acquisition unit (3) acquires transaction data from a market big data system for use as a basis for risk analysis.
5. The comprehensive risk early warning system based on market big data and credit risk of both trading parties according to claim 1, characterized in that: the information acquisition unit (3) further comprises a user real-time position acquisition module, and after the user logs in the personal account of the user, the IP address of the login equipment of the account and the real-time position of the login equipment are acquired in real time, and the information is encrypted.
6. The comprehensive risk early warning system based on market big data and credit risk of both trading parties according to claim 1, characterized in that: the transaction request unit (2) comprises an information transaction platform (21), a request acceptance module (22) and a request analysis module (23), wherein:
the information transaction platform (21) is an exchange platform used for issuing commodity information by a merchant and sending a transaction request by a consumer, and has certain information openness;
the request receiving module (22) is used for establishing a communication channel between the merchant account and the consumer account;
and the request analysis module (23) analyzes whether the request is abnormal or not through the large market data after the information transaction platform (21) receives the transaction request sent by the consumer.
7. The comprehensive risk early warning system based on market big data and credit risk of both trading parties according to claim 1, characterized in that: the information trading platform (21) comprises a commodity display platform and a trading platform, and the trading platform is connected to the trading channel switching platform and brings convenience to the user to exchange funds.
8. The comprehensive risk early warning system based on market big data and credit risk of both trading parties according to claim 1, characterized in that: the risk assessment unit (4) comprises a risk judgment module (41), a risk master control platform (42) and an account tracking module (43), wherein:
a risk judgment module (41) for judging risk according to the account information of the transaction request sender and the previous transaction flow of the account;
the risk master control platform (42), the risk judgment module (41) sends the judgment result to the risk master control platform (42), and the risk master control platform (42) marks and controls the account with risk;
and the account tracking module (43) finds the account with transaction risk, needs to track and check the location and equipment login IP, and records the account on the risk master control platform (42).
9. The comprehensive risk early warning system based on market big data and credit risk of both trading parties according to claim 1, characterized in that: the risk master control platform (42) is connected to the police service network system and transmits the information of the abnormal account to the police service network system.
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN115439030A (en) * | 2022-11-09 | 2022-12-06 | 山东民昊健康科技有限公司 | Capital and current information management system based on big data analysis |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN115439030A (en) * | 2022-11-09 | 2022-12-06 | 山东民昊健康科技有限公司 | Capital and current information management system based on big data analysis |
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