CN114254985A

CN114254985A - Intelligent financial service method and system based on supply chain

Info

Publication number: CN114254985A
Application number: CN202111102675.3A
Authority: CN
Inventors: 毛海亮
Original assignee: Individual
Current assignee: Individual
Priority date: 2021-09-21
Filing date: 2021-09-21
Publication date: 2022-03-29

Abstract

The invention discloses an intelligent financial service method and system based on a supply chain, which obtains a service audit requirement according to a financial service request; obtaining a first auditing parameter according to the service auditing requirement; acquiring first application user information according to the financial service request; obtaining first user supply chain information according to the first application user information; inputting the first user supply chain information and the first parameter information into a parameter matching model to obtain service matching supply chain parameter information; obtaining information to be audited of a user; obtaining a parameter evaluation characteristic according to the first parameter information; according to the parameter evaluation characteristics, characteristic traversal comparison is carried out on the information to be checked of the user, and a first comparison result is obtained; and obtaining first service information when the first comparison result meets a preset auditing standard. The technical problems that in the prior art, when a financial institution carries out service approval, manual verification is adopted, efficiency is low, and potential customers are missed due to lack of autonomous data extraction when the financial institution carries out the verification only according to data provided by the customers are solved.

Description

Intelligent financial service method and system based on supply chain

Technical Field

The invention relates to the technical field of data processing, in particular to an intelligent financial service method and system based on a supply chain.

Background

The financial service refers to the activity that a financial institution integrates valuable articles by using a currency transaction means, and provides the financial activity participants and customers with the joint benefit and the satisfaction. According to the content of the world trade organization annex, providers of financial services include the following types of institutions: insurance and its related services, and all banking and other financial services (except insurance). Financial services in a broad sense means that the whole financial industry exerts its various functions to promote economic and social development. Specifically, the financial service refers to a financial institution providing various services including financing investment, savings, credits, settlement, securities trading, business insurance, and financial information consultation to a client by developing business activities. The method has the advantages of enhancing the financial service consciousness, improving the financial service level, and having very important significance for accelerating the promotion of the construction of modern financial systems in China, improving the operation management of financial institutions, enhancing the competitiveness of financial industry and better promoting the development of economy and society.

However, in the process of implementing the technical solution of the invention in the embodiments of the present application, the inventors of the present application find that the above-mentioned technology has at least the following technical problems:

in the prior art, the financial institution is manually verified when service approval is carried out, and the technical problems that efficiency is low, and potential customers are missed because the automatic data extraction is lacked only by verifying data provided by the customers exist.

Disclosure of Invention

The embodiment of the application provides an intelligent financial service method and system based on a supply chain, and solves the technical problems that in the prior art, when a financial institution carries out service approval, the efficiency is low, and potential customers are missed because auditing is carried out only according to data provided by the customers and autonomous data extraction is lacked.

In view of the foregoing problems, the present application provides an intelligent financial service method and system based on a supply chain.

In a first aspect, an embodiment of the present application provides an intelligent financial service method based on a supply chain, where the method includes: obtaining a financial service request; acquiring a service auditing requirement according to the financial service request; obtaining first auditing parameters according to the service auditing requirements, wherein the first auditing parameters comprise at least one auditing parameter; acquiring first application user information according to the financial service request; obtaining first user supply chain information according to the first application user information; inputting the first user supply chain information and the first parameter information into a parameter matching model to obtain service matching supply chain parameter information; according to the service matching supply chain parameter information and the first application user information, obtaining user information to be checked; obtaining parameter evaluation characteristics according to the first parameter information; performing characteristic traversal comparison on the information to be checked of the user according to the parameter evaluation characteristics to obtain a first comparison result; acquiring a preset auditing standard according to the financial service request and the first parameter information; and judging whether the first comparison result meets the preset auditing standard or not, and obtaining first service information when the first comparison result meets the preset auditing standard.

In another aspect, the present application further provides an intelligent financial service system based on a supply chain, the system including:

a first obtaining unit for obtaining a financial service request;

the second obtaining unit is used for obtaining a service auditing requirement according to the financial service request;

a third obtaining unit, configured to obtain a first audit parameter according to the service audit requirement, where the first audit parameter includes at least one audit parameter;

a fourth obtaining unit, configured to obtain first application user information according to the financial service request;

a fifth obtaining unit, configured to obtain first user supply chain information according to the first application user information;

the first execution unit is used for inputting the first user supply chain information and the first parameter information into a parameter matching model to obtain service matching supply chain parameter information;

a sixth obtaining unit, configured to obtain information to be checked of a user according to the service matching supply chain parameter information and the first application user information;

a seventh obtaining unit, configured to obtain a parameter evaluation feature according to the first parameter information;

the second execution unit is used for performing characteristic traversal comparison on the information to be audited of the user according to the parameter evaluation characteristics to obtain a first comparison result;

an eighth obtaining unit, configured to obtain a preset auditing standard according to the financial service request and the first parameter information;

and the third execution unit is used for judging whether the first comparison result meets the preset auditing standard or not, and acquiring first service information when the first comparison result meets the preset auditing standard.

In a third aspect, the present invention provides a supply chain-based intelligent financial services system, comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the steps of the method of the first aspect when executing the program.

One or more technical solutions provided in the embodiments of the present application have at least the following technical effects or advantages:

the embodiment of the application provides an intelligent financial service method and system based on a supply chain, which comprises the steps of obtaining a financial service request; acquiring a service auditing requirement according to the financial service request; obtaining first auditing parameters according to the service auditing requirements, wherein the first auditing parameters comprise at least one auditing parameter; acquiring first application user information according to the financial service request; obtaining first user supply chain information according to the first application user information; inputting the first user supply chain information and the first parameter information into a parameter matching model to obtain service matching supply chain parameter information; according to the service matching supply chain parameter information and the first application user information, obtaining user information to be checked; obtaining parameter evaluation characteristics according to the first parameter information; performing characteristic traversal comparison on the information to be checked of the user according to the parameter evaluation characteristics to obtain a first comparison result; acquiring a preset auditing standard according to the financial service request and the first parameter information; and judging whether the first comparison result meets the preset auditing standard or not, and obtaining first service information when the first comparison result meets the preset auditing standard. The method has the advantages that the extraction and the excavation of enterprise information from the whole world by utilizing the supply chain information of enterprise users are achieved, the current situation and the development trend of enterprises can be reflected, the financial qualification audit of the enterprises can be accurately carried out, the financial institutions can accurately carry out user selection, the accuracy and the efficiency of financial services are improved, meanwhile, the machine intelligent processing in the whole process is realized, the operation efficiency is greatly improved, and the technical effect of errors caused by manual operation is avoided. Therefore, the technical problems that in the prior art, when a financial institution carries out service approval, manual verification is carried out, efficiency is low, and potential customers are missed due to lack of self-data extraction when the financial institution carries out the verification only according to data provided by the customers are solved.

The foregoing description is only an overview of the technical solutions of the present application, and the present application can be implemented according to the content of the description in order to make the technical means of the present application more clearly understood, and the following detailed description of the present application is given in order to make the above and other objects, features, and advantages of the present application more clearly understandable.

Drawings

FIG. 1 is a schematic flow chart illustrating a supply chain-based intelligent financial service method according to an embodiment of the present disclosure;

FIG. 2 is a schematic structural diagram of an intelligent financial service system based on a supply chain according to an embodiment of the present application;

fig. 3 is a schematic structural diagram of an exemplary electronic device according to an embodiment of the present application.

Description of reference numerals: a first obtaining unit 11, a second obtaining unit 12, a third obtaining unit 13, a fourth obtaining unit 14, a fifth obtaining unit 15, a first executing unit 16, a sixth obtaining unit 17, a seventh obtaining unit 18, a second executing unit 19, an eighth obtaining unit 20, a third executing unit 21, a bus 300, a receiver 301, a processor 302, a transmitter 303, a memory 304, and a bus interface 305.

Detailed Description

The embodiment of the application provides an intelligent financial service method and system based on a supply chain, and solves the technical problems that in the prior art, when a financial institution carries out service approval, the efficiency is low, and potential customers are missed because auditing is carried out only according to data provided by the customers and autonomous data extraction is lacked. The method has the advantages that the extraction and the excavation of enterprise information from the whole world by utilizing the supply chain information of enterprise users are achieved, the current situation and the development trend of enterprises can be reflected, the financial qualification audit of the enterprises can be accurately carried out, the financial institutions can accurately carry out user selection, the accuracy and the efficiency of financial services are improved, meanwhile, the machine intelligent processing in the whole process is realized, the operation efficiency is greatly improved, and the technical effect of errors caused by manual operation is avoided. Hereinafter, example embodiments according to the present application will be described in detail with reference to the accompanying drawings. It should be apparent that the described embodiments are merely some embodiments of the present application and not all embodiments of the present application, and it should be understood that the present application is not limited to the example embodiments described herein.

Summary of the application

In view of the above technical problems, the technical solution provided by the present application has the following general idea:

obtaining a financial service request; acquiring a service auditing requirement according to the financial service request; obtaining first auditing parameters according to the service auditing requirements, wherein the first auditing parameters comprise at least one auditing parameter; acquiring first application user information according to the financial service request; obtaining first user supply chain information according to the first application user information; inputting the first user supply chain information and the first parameter information into a parameter matching model to obtain service matching supply chain parameter information; according to the service matching supply chain parameter information and the first application user information, obtaining user information to be checked; obtaining parameter evaluation characteristics according to the first parameter information; performing characteristic traversal comparison on the information to be checked of the user according to the parameter evaluation characteristics to obtain a first comparison result; acquiring a preset auditing standard according to the financial service request and the first parameter information; and judging whether the first comparison result meets the preset auditing standard or not, and obtaining first service information when the first comparison result meets the preset auditing standard. The method has the advantages that the extraction and the excavation of enterprise information from the whole world by utilizing the supply chain information of enterprise users are achieved, the current situation and the development trend of enterprises can be reflected, the financial qualification audit of the enterprises can be accurately carried out, the financial institutions can accurately carry out user selection, the accuracy and the efficiency of financial services are improved, meanwhile, the machine intelligent processing in the whole process is realized, the operation efficiency is greatly improved, and the technical effect of errors caused by manual operation is avoided.

Having thus described the general principles of the present application, various non-limiting embodiments thereof will now be described in detail with reference to the accompanying drawings.

Example one

As shown in fig. 1, an embodiment of the present application provides an intelligent financial service method based on a supply chain, where the method includes:

step S100: obtaining a financial service request;

specifically, the method of the embodiment of the application is used for an intelligent financial service system based on a supply chain, a user issues a financial service request on the system, corresponding login operation is carried out through a user account, financial service content needing to be handled is selected on a page, and the system generates a corresponding request to be sent to a data processing center after financial service content is selected.

Step S200: acquiring a service auditing requirement according to the financial service request;

specifically, service auditing requirements are met for different financial service requests, and corresponding contents including qualification, personal information, identification, asset identification and the like are provided according to the requirements of users. The service auditing requirement is automatically generated according to the financial service content selected by the user, and is generated according to the preset auditing requirement and the uploading or setting requirement of the system.

Step S300: obtaining first auditing parameters according to the service auditing requirements, wherein the first auditing parameters comprise at least one auditing parameter;

specifically, the auditing parameters are correspondingly generated according to the service auditing requirements, the first auditing parameter is the basis for auditing when the system carries out intelligent auditing, and the system extracts and compares the parameters according to the parameter extraction and verification of the user auditing conditions by converting the auditing requirements into the corresponding auditing parameters.

Step S400: acquiring first application user information according to the financial service request;

specifically, the identity information corresponding to the sender is obtained according to the source of the user sending the financial service request, so that the application user information associated with the sender is obtained, wherein the first application user information comprises specific types of the application users, such as individuals or enterprises, whether the enterprises are national enterprises or private enterprises, and whether the individuals are free professions or office cadres. The type of the user is determined through the first application user information, meanwhile, the first wave can be checked according to the first application user information, and the object matching is carried out according to the type of the user on the financial service projects which are not suitable for individuals to participate or enterprises to participate.

Step S500: obtaining first user supply chain information according to the first application user information;

specifically, in the embodiment of the application, for financial service qualification audit performed by an enterprise user, the company structure, the setting department, the composition, the fund source, the business and the like of the enterprise are determined according to first application user information, and the first user supply chain information is a specific composition of a supply chain of a first user, wherein the supply chain is a logistics network formed by a supplier, a manufacturer, a warehouse, a distribution center, a channel provider and the like. The same enterprise may constitute different constituent nodes of the network, but more often different enterprises constitute different nodes in the network. For example, in a supply chain, the same enterprise may occupy locations at both the manufacturer, the warehouse node, the distribution center node, and so on. In supply chains with finer division of work and higher professional requirements, the different nodes are essentially composed of different enterprises. Raw materials, work-in-process inventory, and finished products flowing between the various member units of the supply chain constitute the flow of goods in the supply chain. The definition of "supply chain" is: around the core enterprise, through the control of information flow, logistics and fund flow, the intermediate product and the final product are produced from the raw material purchase, and finally the product is sent to the consumer by the sales network. It is a functional network chain model that links suppliers, manufacturers, distributors, retailers, and up to the end user as a whole. The system is an enterprise organization mode with a wider range, and is not only a material chain, an information chain and a fund chain for connecting a supplier to a user, but also a value-added chain more importantly. The state, the current situation and the development trend of the fund chain of the enterprise can be reflected through the specific situation of the supply chain of the enterprise.

Step S600: inputting the first user supply chain information and the first parameter information into a parameter matching model to obtain service matching supply chain parameter information;

further, the step S600 of inputting the first user supply chain information and the first parameter information into a parameter matching model to obtain service matching supply chain parameter information includes:

step S610: using the first user supply chain information as first input information;

step S620: taking the first parameter information as second input information;

step S630: inputting the first input information and the second input information into the parameter matching model, wherein the parameter matching model is obtained by training convergence of multiple groups of training data, and each group of the multiple groups of training data comprises: the first input information, the second input information, and identification information identifying service matching supply chain parameter information;

step S640: obtaining output information of the parameter matching model, wherein the output information comprises the service matching supply chain parameter information.

Specifically, matching is performed on first parameter information which needs to be audited according to financial services and parameters which need to be used in first user supply chain information, and the content which can be used for parameter auditing corresponding to financial services in the first user supply chain is obtained and serves as the supply chain parameter information matched, namely parameter matching is performed on data in the supply chain according to the requirement of the first parameter information, and the corresponding parameter content which meets the requirement of the first parameter information is obtained. In order to improve the accuracy of the parameter matching result, the embodiment of the application constructs a deep Neural network model for processing, and utilizes a mathematical model for operation processing to improve the operation speed and improve the accuracy of the extraction result, wherein the parameter matching model is the deep Neural network model in machine learning, and a Neural Network (NN) is a complex Neural network system formed by widely interconnecting a large number of simple processing units (called neurons), reflects many basic characteristics of human brain functions, and is a highly complex nonlinear dynamical learning system. Neural network models are described based on mathematical models of neurons. Artificial Neural Networks (Artificial Neural Networks) are a description of the first-order properties of the human brain system. Briefly, it is a mathematical model. And inputting the first input information and the second input information analysis standard into a neural network model through training of a large amount of training data, and outputting service matching supply chain parameter information.

More specifically, the training process is essentially a supervised learning process, each set of supervised data includes the first input information, the second input information analysis standard and identification information identifying parameter information of the service matching supply chain, the first input information and the second input information analysis standard are input into a neural network model, the neural network model performs continuous self-correction and adjustment according to the identification information identifying the parameter information of the service matching supply chain, and the set of supervised learning is ended and the next set of data supervised learning is performed until an obtained output result is consistent with the identification information; and when the output information of the neural network model reaches the preset accuracy rate/reaches the convergence state, finishing the supervised learning process. Through the supervised learning of the neural network model, the neural network model is enabled to process the input information more accurately, more accurate and more suitable service matching supply chain parameter information is obtained, the matching of financial service parameters in the data developed by the whole enterprise of the supply chain is achieved, the parameter deep excavation is realized on the whole enterprise, the service requirement auditing of the surface and potential data of the enterprise is known, the development current situation of the enterprise is better met, the reasonable financial layout of a financial institution is facilitated, meanwhile, the efficiency and the accuracy of a data operation processing result are improved by adding the neural network model, and a foundation is laid for providing more accurate and reliable financial services.

Step S700: according to the service matching supply chain parameter information and the first application user information, obtaining user information to be checked;

specifically, corresponding data are extracted according to the content of the service matching supply chain parameter information to obtain the information to be checked of the user, if the qualification and the operation state of a distributor in the supply chain can be used for checking, the data corresponding to the first application user information distributor are extracted according to the parameter content, and the data corresponding to the parameters of the first application user are respectively extracted and integrated if the same service matching supply chain parameter information comprises a plurality of parameters, so that the information to be checked of the user is obtained.

Step S800: obtaining parameter evaluation characteristics according to the first parameter information;

specifically, the parameter evaluation features describe the first parameter information features, so that intelligent machine operation can be performed more accurately, information analysis is performed according to the parameter evaluation features defining the parameter information, and information conforming to the feature identification is compared, so that the operation speed and the accuracy of a processing result are improved.

Step S900: performing characteristic traversal comparison on the information to be checked of the user according to the parameter evaluation characteristics to obtain a first comparison result;

step S1000: acquiring a preset auditing standard according to the financial service request and the first parameter information;

step S1100: and judging whether the first comparison result meets the preset auditing standard or not, and obtaining first service information when the first comparison result meets the preset auditing standard.

Specifically, the feature comparison is sequentially performed on the information to be checked by using the parameter evaluation features, the integrity of the feature comparison is ensured, the comparison result is output, the first comparison result, namely the result obtained after the information to be checked is compared with the parameter evaluation features, can be used for reflecting the information of the first application user and the corresponding information of the checking requirement, the checking requirement of the corresponding parameter is obtained according to the financial service requirement and the content of the first parameter information, the preset checking standard is in line with the checking standard corresponding to the financial service, if the first comparison result is in line with the preset checking standard, the user is in line with the requirement of the corresponding financial service, the approval can be performed, the first service information performs corresponding financial service operation for determining the qualification of the first application user, such as credit service checking passing, corresponding fund release and the like. The method has the advantages that the extraction and the excavation of enterprise information from the whole world by utilizing the supply chain information of enterprise users are achieved, the current situation and the development trend of enterprises can be reflected, the financial qualification audit of the enterprises can be accurately carried out, the financial institutions can accurately carry out user selection, the accuracy and the efficiency of financial services are improved, meanwhile, the machine intelligent processing in the whole process is realized, the operation efficiency is greatly improved, and the technical effect of errors caused by manual operation is avoided. The technical problems that in the prior art, when a financial institution carries out service approval, the efficiency is low, and potential customers are missed due to lack of self-data extraction because the financial institution carries out auditing only according to data provided by the customers because of manual verification are solved.

Further, the method comprises:

step 1210: when the first comparison result does not meet the preset auditing standard, acquiring a first user category according to the first application user information;

step S1220: obtaining a financial service target rule;

step S1230: obtaining user service matching degree according to the first user category and the financial service target rule;

step S1240: when the user service matching degree meets a first preset condition, obtaining a second comparison result according to the first comparison result, wherein the second comparison result is a non-conforming item in the first comparison result;

step S1250: obtaining first supply chain structure information according to the second comparison result;

step S1260: obtaining a first influence factor according to the first supply chain structure information;

step S1270: obtaining macroscopic economic information;

step S1280: obtaining first factor influence timeliness according to the first influence factor and the macro economic information;

step S1290: and when the first factor influences the aging and meets a second preset condition, obtaining second service information.

Specifically, if the first comparison result of the first application user does not meet the predetermined condition, in order to avoid the judgment deviation caused by the data of the enterprise influenced by the macro economic condition, and cause omission to some enterprises meeting the financial service target, the qualification of the application user is better, and the object description completely meets the financial service requirement, the embodiment of the application further utilizes the current macro economic state to analyze the supply chain of the enterprise, if the influence causes the deviation of the corresponding parameter of the enterprise, the normal operation state of the enterprise can not be truly reflected, the numerical value of the comparison result which is not met with the requirement is reevaluated through the influence of the macro economic information on the whole supply chain of the enterprise, if the transient influence caused by the macro economic or the sudden economic event exists, the evaluation is carried out according to the influence timeliness, if the preset influence range is met, namely the second predetermined condition, the influence is short, the enterprise is recovered at the later stage, the numerical value is correspondingly marked and corrected, the enterprise meeting the requirement after correction is re-determined as to the content of the financial service of the enterprise, the second service information namely determines the financial service content of the first application user to carry out corresponding operation, and corresponding adjustment can be carried out according to the financial service content, such as credit business, the limit or interest rate of the first ladder is given to the user who passes through once, and the limit or interest rate of the second ladder is given to the enterprise meeting the requirement after correction, so that the benefit of a financial institution is ensured, the development of the enterprise is facilitated, corresponding data correction is carried out by combining the state of a financial market, the financial service content is enriched, and the requirements of the user and the financial institution are better met. The technical problems that in the prior art, when the financial institution carries out service approval, the efficiency is low, and the potential customers are missed due to lack of self-data extraction because the financial institution carries out the audit only according to the data provided by the customers because of manual verification are further solved.

Further, the method comprises:

step 1310: obtaining second user information according to the first supply chain structure information, wherein the second user is an upper end user of the first user in a second supply chain structure;

step S1320: obtaining third user information, wherein the third user information is a downstream user of the first user in a second supply chain structure;

step S1330: obtaining first financial service evaluation information according to the second user information;

step S1340: obtaining second financial service evaluation information according to the third user information;

step S1350: obtaining first user service evaluation information according to the first financial service evaluation information and the second financial service evaluation information;

step S1360: and when the first user service evaluation information meets a third preset condition, obtaining third service information.

Specifically, in addition to parameter correction by using a macro policy or a financial event, the embodiment of the present application further expands the data extraction and analysis range by taking an enterprise associated with a supply chain of an applicant user as a starting point, does not limit the parameter information of the enterprise, expands the extraction range of the data to be checked, macroscopically checks the enterprise qualification to determine whether the data meets the checking requirement, performs data analysis by an upper end user and a lower end user of the applicant user, avoids influencing a comparison result due to information deviation at a certain position of the supply chain, analyzes the development state of the upstream and downstream enterprises and the relation confidentiality of the applicant user if the upstream and downstream users influence the comparison result, corrects the data according to the analysis result, and influences the operation scale due to the generation and the decline of the enterprise caused by the supply problem of the upstream enterprise in the re-comparison process, And the analysis result of the state is that the upstream enterprise is analyzed to have good scale state and high financial evaluation level without financial risk, the state of the enterprise is involved due to transient supply influence caused by a sudden state, the comparison result corresponding to the enterprise is identified and corrected, if the corresponding parameter is modified and the whole audit result meets the preset audit standard, the financial service request of the application user is approved, and the corresponding grading can still be carried out according to different financial service contents. The method has the advantages that corresponding parameters are corrected in combination with related enterprises of an enterprise supply chain, corresponding financial service content adjustment is given by using a correction result, financial service content is enriched, financial service auditing is performed by taking benefits of financial institutions and enterprise development as targets, requirements of users and financial institutions are met better, and the technical effect of financial service level is improved. The technical problems that in the prior art, when the financial institution carries out service approval, the efficiency is low, and the potential customers are missed due to lack of self-data extraction because the financial institution carries out the audit only according to the data provided by the customers because of manual verification are further solved.

Further, the step S1350 includes, according to the first financial service evaluation information and the second financial service evaluation information, obtaining first user service evaluation information:

step S1351: obtaining a first supply chain relation proportion according to the first user information and the second user information;

step S1352: obtaining a second supply chain relation proportion according to the first user information and the third user information;

step S1353: obtaining a first supply chain service influence value according to the first supply chain relation proportion and the first financial service evaluation information;

step S1354: obtaining a second supply chain service influence value according to the second supply chain relation proportion and the second financial service evaluation information;

step S1355: and obtaining the first user service evaluation information according to the first supply chain service influence value and the second supply chain service influence value.

Specifically, when the financial state and the data of the supply chain associated enterprise are checked, the relationship between the associated enterprise and the application user is considered, and corresponding analysis is performed according to the proportion of the associated enterprise to the influence of the supply chain of the application user, namely, the greater the influence, the closer the associated user has the greater the financial data has the reference and correction significance. And calculating a first supply chain service influence value according to the supply chain relation proportion corresponding to the second user information and the first user information and the financial service evaluation information of the user, and calculating a second supply chain service influence value by using the supply chain relation proportion between the third user information and the first application user and the second financial service evaluation information corresponding to the user. And finally averaging the first supply chain service influence value and the second supply chain service influence value to obtain first user service evaluation information, and correspondingly correcting the comparison result which does not meet the standard according to the first user service evaluation information. The financial service evaluation information is the result of the financial institution analyzing and evaluating the financial data of the enterprise, such as fixed assets, running water, enterprise credit and the like of the enterprise.

Further, the method comprises:

step S1410: obtaining a second auditing parameter according to the service auditing requirement;

step S1420: inputting the second audit parameter into the parameter matching model to obtain a supply chain matching update parameter;

step S1430: obtaining first loss data by performing data loss analysis on the service matching supply chain parameter information and the supply chain matching update parameters;

step S1440: and inputting the first loss data into the parameter matching model for training to obtain an incremental parameter matching model, wherein the incremental parameter matching model is a new model of the parameter matching model after incremental learning.

Specifically, newly added auditing parameters are utilized to carry out model increment learning, the updating performance of the model is improved, and therefore the speed and the accuracy of data processing are improved, the second auditing parameter is the newly added auditing parameter requirement, for example, because the national policy changes, the service content of the financial institution changes, new influence factors of macro economy appear, and the like, the second auditing parameter is different from the information in the first auditing parameter, the newly added parameters are utilized to train the parameter matching model to obtain supply chain matching updating parameters, the service matching supply chain parameter information and the supply chain matching updating parameters are utilized to carry out data loss analysis, and the deviation of the parameter matching model in the related application of new learning data training can be obtained according to the parameter loss data, so that the later adjustment is facilitated. Inputting the first loss data into the parameter matching model, constructing the model to obtain the incremental parameter matching model, and completing data loss analysis based on an introduced loss function to obtain a new model, wherein the first loss data is loss data representing relevant knowledge of the parameter matching model for the supply chain matching update parameters, and then completing incremental learning of the parameter matching model based on the first loss data, and the incremental learning refers to a learning system which can continuously learn new knowledge from a new sample and can store most of previously learned knowledge. Incremental learning is very similar to the learning pattern of human beings themselves. With the rapid development and wide application of databases and internet technologies, a great deal of data is accumulated by various departments in the society. Furthermore, the parameter matching model is obtained by forming a neural network by connecting a plurality of neurons, so that the incremental parameter matching model retains the basic functions of the parameter matching model through the training of loss data and maintains the performance of continuous updating of the model, thereby improving the accuracy of parameter analysis and ensuring the technical effect of updating the accuracy of service capability calculation processing.

Further, the obtaining a second auditing parameter according to the service auditing requirement includes:

step S1510: obtaining service influence factors according to the service auditing requirements;

step S1520: acquiring financial change information;

step S1530: judging whether the financial change information has a first relevance with the service influence factor;

step S1540: and when the financial change information and the service influence factor meet the first relevance requirement, obtaining the second auditing parameters according to the financial change information.

Specifically, the second audit parameter is determined according to the corresponding content in the service audit request, and the influencing factors which can influence the parameters are determined, and whether the financial change information has a large influence on the service influencing factors is determined according to the factor change occurring in the current financial market, if so, the financial change information needs to be considered in the financial service audit request, and the financial service content changes due to the influence of the financial change information, so that the parameter needs to be considered in the audit request.

step S1610: obtaining financial service policy information;

step S1620: extracting policy auditing characteristic information according to the financial service policy information;

step S1630: acquiring first service auditing characteristic information according to the service auditing requirement;

step S1640: performing characteristic iteration on the policy audit characteristic information and the first service audit characteristic information to obtain second service audit characteristic information;

step S1650: updating service audit requirements according to the second service audit characteristic information;

step S1660: acquiring parameter change information according to the service audit requirement before and after updating;

step S1670: and obtaining the second auditing parameters according to the parameter change information.

Specifically, in addition, for policy changes corresponding to financial service items, the auditing requirements of the services are also affected, if the financial policy has a corresponding support policy for a certain type of enterprises, the corresponding policy content is subjected to feature description, the policy auditing feature information is the feature requirement extracted according to the financial service policy information, the feature is iterated with the current auditing requirement feature, a new auditing requirement is generated to serve as an updating service auditing requirement, the two auditing requirements before and after are compared to obtain differences, namely parameter change information, and the change parameter is used as a second auditing parameter to perform model incremental learning, so that the accuracy of parameter analysis is improved, and the technical effect of updating the service capability calculation processing accuracy is ensured.

Example two

Based on the same inventive concept as the intelligent financial service method based on the supply chain in the foregoing embodiment, the present invention further provides an intelligent financial service system based on the supply chain, as shown in fig. 2, the system includes:

a first obtaining unit 11, wherein the first obtaining unit 11 is used for obtaining a financial service request;

a second obtaining unit 12, where the second obtaining unit 12 is configured to obtain a service audit requirement according to the financial service request;

a third obtaining unit 13, where the third obtaining unit 13 is configured to obtain a first audit parameter according to the service audit requirement, where the first audit parameter includes at least one audit parameter;

a fourth obtaining unit 14, where the fourth obtaining unit 14 is configured to obtain the first application user information according to the financial service request;

a fifth obtaining unit 15, where the fifth obtaining unit 15 is configured to obtain first user supply chain information according to the first application user information;

a first executing unit 16, where the first executing unit 16 is configured to input the first user supply chain information and the first parameter information into a parameter matching model, and obtain service matching supply chain parameter information;

a sixth obtaining unit 17, where the sixth obtaining unit 17 is configured to obtain information to be checked of a user according to the service matching supply chain parameter information and the first application user information;

a seventh obtaining unit 18, where the seventh obtaining unit 18 is configured to obtain a parameter evaluation feature according to the first parameter information;

the second execution unit 19 is configured to perform feature traversal comparison on the information to be audited of the user according to the parameter evaluation feature, and obtain a first comparison result;

an eighth obtaining unit 20, where the eighth obtaining unit 20 is configured to obtain a preset auditing standard according to the financial service request and the first parameter information;

a third executing unit 21, where the third executing unit 21 is configured to determine whether the first comparison result meets the preset auditing criterion, and obtain the first service information when the first comparison result meets the preset auditing criterion.

Further, the system further comprises:

a ninth obtaining unit, configured to, when the first comparison result does not meet the preset auditing standard, obtain a first user category according to the first application user information;

a tenth obtaining unit for obtaining a financial service target rule;

an eleventh obtaining unit, configured to obtain a user service matching degree according to the first user category and the financial service target rule;

a twelfth obtaining unit, configured to, when the user service matching degree satisfies a first predetermined condition, obtain a second comparison result according to the first comparison result, where the second comparison result is a non-compliant item in the first comparison result;

a thirteenth obtaining unit, configured to obtain first supply chain structure information according to the second comparison result;

a fourteenth obtaining unit, configured to obtain a first influence factor according to the first supply chain structure information;

a fifteenth obtaining unit configured to obtain macro economic information;

a sixteenth obtaining unit, configured to obtain a first factor influence aging according to the first influence factor and the macro economic information;

a seventeenth obtaining unit, configured to obtain second service information when the first factor affects the aging to satisfy a second predetermined condition.

Further, the system further comprises:

an eighteenth obtaining unit, configured to obtain, according to the first supply chain structure information, second user information, where the second user is an upper end user of the first user in a second supply chain structure;

a nineteenth obtaining unit, configured to obtain third user information, where the third user information is a downstream user of the first user in a second supply chain structure;

a twentieth obtaining unit configured to obtain first financial service evaluation information according to the second user information;

a twenty-first obtaining unit, configured to obtain second financial service evaluation information according to the third user information;

a twenty-second obtaining unit, configured to obtain first user service evaluation information according to the first financial service evaluation information and the second financial service evaluation information;

a twenty-third obtaining unit configured to obtain third service information when the first user service evaluation information satisfies a third predetermined condition.

Further, the system further comprises:

a twenty-fourth obtaining unit, configured to obtain a first supply chain relationship weight according to the first user information and the second user information;

a twenty-fifth obtaining unit, configured to obtain a second supply chain relationship proportion according to the first user information and the third user information;

a twenty-sixth obtaining unit, configured to obtain a first supply chain service influence value according to the first supply chain relation proportion and the first financial service evaluation information;

a twenty-seventh obtaining unit, configured to obtain a second supply chain service influence value according to the second supply chain relation proportion and the second financial service evaluation information;

a twenty-eighth obtaining unit, configured to obtain the first user service evaluation information according to the first and second supply chain service impact values.

Further, the system further comprises:

a fourth execution unit to take the first user supply chain information as first input information;

a fifth execution unit, configured to use the first parameter information as second input information;

a first input unit, configured to input the first input information and the second input information into the parameter matching model, where the parameter matching model is obtained by training convergence using multiple sets of training data, and each of the multiple sets of training data includes: the first input information, the second input information, and identification information identifying service matching supply chain parameter information;

a twenty-ninth obtaining unit to obtain output information of the parameter matching model, the output information including the service matching supply chain parameter information.

Further, the system further comprises:

a thirtieth obtaining unit, configured to obtain a second audit parameter according to the service audit requirement;

a thirty-first obtaining unit, configured to input the second review parameter into the parameter matching model, and obtain a supply chain matching update parameter;

a thirty-second obtaining unit, configured to obtain first loss data by performing data loss analysis on the service matching supply chain parameter information and the supply chain matching update parameter;

a thirty-third obtaining unit, configured to input the first loss data into the parameter matching model for training, and obtain an incremental parameter matching model, where the incremental parameter matching model is a new model of the parameter matching model after incremental learning.

Further, the system further comprises:

a thirty-fourth obtaining unit, configured to obtain a service influencing factor according to the service audit requirement;

a thirty-fifth obtaining unit configured to obtain financial change information;

a first judging unit configured to judge whether the financial change information has a first association with the service affecting factor;

a thirty-sixth obtaining unit, configured to obtain the second review parameter according to the financial change information when the financial change information and the service influence factor meet the first relevance requirement.

Further, the system further comprises:

a thirty-seventh obtaining unit configured to obtain financial service policy information;

the first extraction unit is used for extracting policy auditing characteristic information according to the financial service policy information;

a thirty-eighth obtaining unit, configured to obtain first service audit feature information according to the service audit requirement;

a thirty-ninth obtaining unit, configured to perform feature iteration on the policy audit feature information and the first service audit feature information to obtain second service audit feature information;

the first updating unit is used for updating the service auditing requirement according to the second service auditing characteristic information;

a fortieth obtaining unit, configured to obtain parameter change information according to the service audit requirement before the update and the service audit requirement after the update;

a forty-first obtaining unit, configured to obtain the second review parameter according to the parameter change information.

Various changes and specific examples of the supply chain-based intelligent financial service method in the first embodiment of fig. 1 are also applicable to the supply chain-based intelligent financial service system of the present embodiment, and a person skilled in the art can clearly understand the implementation method of the supply chain-based intelligent financial service system in the present embodiment through the foregoing detailed description of the supply chain-based intelligent financial service method, so for the brevity of the description, detailed descriptions are omitted here.

Exemplary electronic device

The electronic device of the embodiment of the present application is described below with reference to fig. 3.

Fig. 3 illustrates a schematic structural diagram of an electronic device according to an embodiment of the present application.

Based on the inventive concept of the supply chain-based intelligent financial service method in the foregoing embodiments, the present invention further provides a supply chain-based intelligent financial service system, on which a computer program is stored, which when executed by a processor implements the steps of any one of the foregoing supply chain-based intelligent financial service methods.

Where in fig. 3 a bus architecture (represented by bus 300), bus 300 may include any number of interconnected buses and bridges, bus 300 linking together various circuits including one or more processors, represented by processor 302, and memory, represented by memory 304. The bus 300 may also link together various other circuits such as peripherals, voltage regulators, power management circuits, and the like, which are well known in the art, and therefore, will not be described any further herein. A bus interface 305 provides an interface between the bus 300 and the receiver 301 and transmitter 303. The receiver 301 and the transmitter 303 may be the same element, i.e., a transceiver, providing a means for communicating with various other systems over a transmission medium.

The processor 302 is responsible for managing the bus 300 and general processing, and the memory 304 may be used for storing data used by the processor 302 in performing operations.

As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create a system for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including an instruction system which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks. While preferred embodiments of the present invention have been described, additional variations and modifications in those embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. Therefore, it is intended that the appended claims be interpreted as including preferred embodiments and all such alterations and modifications as fall within the scope of the invention.

It will be apparent to those skilled in the art that various changes and modifications may be made in the present invention without departing from the spirit and scope of the invention. Thus, if such modifications and variations of the present invention fall within the scope of the claims of the present invention and their equivalents, the present invention is also intended to include such modifications and variations.

Claims

1. A supply chain based intelligent financial services method, wherein the method comprises:

obtaining a financial service request;

acquiring a service auditing requirement according to the financial service request;

obtaining first auditing parameters according to the service auditing requirements, wherein the first auditing parameters comprise at least one auditing parameter;

acquiring first application user information according to the financial service request;

obtaining first user supply chain information according to the first application user information;

inputting the first user supply chain information and the first parameter information into a parameter matching model to obtain service matching supply chain parameter information;

according to the service matching supply chain parameter information and the first application user information, obtaining user information to be checked;

obtaining parameter evaluation characteristics according to the first parameter information;

performing characteristic traversal comparison on the information to be checked of the user according to the parameter evaluation characteristics to obtain a first comparison result;

acquiring a preset auditing standard according to the financial service request and the first parameter information;

and judging whether the first comparison result meets the preset auditing standard or not, and obtaining first service information when the first comparison result meets the preset auditing standard.

2. The method of claim 1, wherein the method comprises:

when the first comparison result does not meet the preset auditing standard, acquiring a first user category according to the first application user information;

obtaining a financial service target rule;

obtaining user service matching degree according to the first user category and the financial service target rule;

when the user service matching degree meets a first preset condition, obtaining a second comparison result according to the first comparison result, wherein the second comparison result is a non-conforming item in the first comparison result;

obtaining first supply chain structure information according to the second comparison result;

obtaining a first influence factor according to the first supply chain structure information;

obtaining macroscopic economic information;

obtaining first factor influence timeliness according to the first influence factor and the macro economic information;

and when the first factor influences the aging and meets a second preset condition, obtaining second service information.

3. The method of claim 2, wherein the method comprises:

obtaining second user information according to the first supply chain structure information, wherein the second user is an upper end user of the first user in a second supply chain structure;

obtaining third user information, wherein the third user information is a downstream user of the first user in a second supply chain structure;

obtaining first financial service evaluation information according to the second user information;

obtaining second financial service evaluation information according to the third user information;

obtaining first user service evaluation information according to the first financial service evaluation information and the second financial service evaluation information;

and when the first user service evaluation information meets a third preset condition, obtaining third service information.

4. The method of claim 3, wherein said obtaining first user service assessment information based on said first financial service assessment information, said second financial service assessment information, comprises:

obtaining a first supply chain relation proportion according to the first user information and the second user information;

obtaining a second supply chain relation proportion according to the first user information and the third user information;

obtaining a first supply chain service influence value according to the first supply chain relation proportion and the first financial service evaluation information;

obtaining a second supply chain service influence value according to the second supply chain relation proportion and the second financial service evaluation information;

and obtaining the first user service evaluation information according to the first supply chain service influence value and the second supply chain service influence value.

5. The method of claim 1, wherein said entering the first user supply chain information, the first parameter information into a parameter matching model, obtaining service matching supply chain parameter information, comprises:

using the first user supply chain information as first input information;

taking the first parameter information as second input information;

inputting the first input information and the second input information into the parameter matching model, wherein the parameter matching model is obtained by training convergence of multiple groups of training data, and each group of the multiple groups of training data comprises: the first input information, the second input information, and identification information identifying service matching supply chain parameter information;

obtaining output information of the parameter matching model, wherein the output information comprises the service matching supply chain parameter information.

6. The method of claim 5, wherein the method comprises:

obtaining a second auditing parameter according to the service auditing requirement;

inputting the second audit parameter into the parameter matching model to obtain a supply chain matching update parameter;

obtaining first loss data by performing data loss analysis on the service matching supply chain parameter information and the supply chain matching update parameters;

and inputting the first loss data into the parameter matching model for training to obtain an incremental parameter matching model, wherein the incremental parameter matching model is a new model of the parameter matching model after incremental learning.

7. The method of claim 6, wherein said obtaining second review parameters based on said service review requirements comprises:

obtaining service influence factors according to the service auditing requirements;

acquiring financial change information;

judging whether the financial change information has a first relevance with the service influence factor;

and when the financial change information and the service influence factor meet the first relevance requirement, obtaining the second auditing parameters according to the financial change information.

8. The method of claim 6, wherein said obtaining second review parameters based on said service review requirements comprises:

obtaining financial service policy information;

extracting policy auditing characteristic information according to the financial service policy information;

acquiring first service auditing characteristic information according to the service auditing requirement;

performing characteristic iteration on the policy audit characteristic information and the first service audit characteristic information to obtain second service audit characteristic information;

updating service audit requirements according to the second service audit characteristic information;

acquiring parameter change information according to the service audit requirement before and after updating;

and obtaining the second auditing parameters according to the parameter change information.

9. An intelligent financial service system based on supply chain, which is applied to the method of any one of claims 1 to 8, wherein the system comprises:

a first obtaining unit for obtaining a financial service request;

10. A supply chain based intelligent financial services system comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the steps of the method of any one of claims 1 to 8 when executing the program.