CN116485506A - Intelligent wind control system applied to engineering machinery field - Google Patents

Abstract

The invention relates to the technical field of risk control, and provides an intelligent wind control system applied to the field of engineering machinery, which comprises the following components: the first user terminal comprises a first business bill module and a first credit and debit bill module; the first business bill module is used for inputting business bill information of the client and displaying a business bill auditing result; and the first letter examination list module is used for acquiring letter examination list information of the client and displaying the letter examination list examination result when the business list examination result is passing. The business bill auditing result is to audit the client business bill by combining the data information about the engineering machinery in the enterprise producing the engineering machinery, so that the invention can be suitable for risk control in the engineering machinery field. The business bill auditing result is obtained according to the customer portrait system, and the customer portrait system comprises credit data scores of the customer portraits and predicted payment overdue probability, so that the prediction of the payment overdue probability before the customer credits is realized, and the enterprise loss caused by the overdue customer is reduced.

Description

Intelligent wind control system applied to engineering machinery field

Technical Field

The invention relates to the technical field of risk control, in particular to an intelligent wind control system applied to the field of engineering machinery.

Background

Along with the rapid development of the staged leasing market of the engineering machinery industry, the staged leasing risk is also changed continuously, and the construction of a set of wind control system applied to the engineering machinery field can effectively help enterprises to control the risk.

The current mainstream wind control system is a wind control system based on big data, in the wind control system based on big data, the multidimensional of the data influences the performance of the system and the accuracy of an algorithm model, the wind control systems in different industries have different data dimensionalities, and some wind control systems only carry out risk judgment through a threshold value judgment or decision system, so that the prediction of risk occurrence probability cannot be achieved. Moreover, most of the existing wind control systems are oriented to a specific field or industry, and data dimensions adopted by wind control models are different for different customer groups, so that the wind control systems are difficult to be suitable for overdue risk control in the field of engineering machinery.

Disclosure of Invention

The invention provides an intelligent wind control system applied to the field of engineering machinery, which is used for solving the defects that the wind control system in the prior art cannot be applied to the field of engineering machinery and cannot predict risk occurrence probability, realizing risk control of the field of engineering machinery and predicting the risk occurrence probability before a client credits.

The invention provides an intelligent wind control system applied to the field of engineering machinery, which comprises: a first user terminal;

the first user terminal comprises a first business bill module and a first letter examination bill module;

the first business bill module is used for inputting business bill information of the client and displaying a business bill auditing result; the client is a client needing to purchase engineering machinery; the business bill auditing result is an auditing result obtained according to the information of the enterprise and the business bill information of the client; the enterprise is an enterprise for producing the engineering machinery, and the information of the enterprise comprises production condition information, stock condition information and historical order information of the engineering machinery in the enterprise;

the first letter examination module is used for acquiring letter examination information of the client and displaying a letter examination result when the business examination result is passed; the letter examination result is a result obtained according to a customer portrait system and is used for indicating whether to generate an order corresponding to the business bill information; the customer portrait system is constructed according to the credit and debit information of the customer and comprises credit and debit data scoring and predicted payment overdue probability of the customer portrait; the credit and debit information of the customer comprises credit and debit data of the customer, historical order information and payment overdue information between the customer and the enterprise.

According to the intelligent wind control system applied to the field of engineering machinery, the second user terminal comprises:

the permission configuration module is used for performing permission configuration on the first user side and the second user side; the authority configuration comprises user management, role management, business flow configuration, credit investigation risk type configuration, credit investigation personnel configuration and credit investigation flow configuration.

According to the intelligent wind control system applied to the field of engineering machinery, the first user side is further used for acquiring the electronic signature of the client; the electronic signature is used for acquiring customer credit authorization, and the customer credit authorization is used for acquiring credit data of the customer from a plurality of channels.

According to the intelligent wind control system applied to the engineering machinery field, the credit worthiness data score and the predicted payment overdue probability of the customer portrait are updated along with the update frequency of the credit worthiness data of the customer;

the first user side further includes:

and the first early warning module is used for early warning when the predicted overdue risk probability displayed in the customer portrait system is lower than a preset risk probability.

According to the intelligent wind control system applied to the field of engineering machinery, the first user terminal comprises: the first image module is used for displaying the customer image system;

the second user terminal includes: and the second image module is used for displaying and inquiring the customer image system.

According to the intelligent wind control system applied to the field of engineering machinery, the second user side further comprises a second business bill module and a second credit and debit bill module;

the second business list module is used for inquiring a business list; the business listing includes information related to business data of a plurality of customers having historical orders between the businesses.

The second credit examination list module is used for inquiring the credit examination list; the censoring list includes censoring data related information for a plurality of customers for whom historical orders exist between the enterprises.

According to the intelligent wind control system applied to the field of engineering machinery, the second user side further comprises:

the report and chart visualization module is used for inquiring and displaying reports of a plurality of clients with history orders between the enterprise; the report forms of the clients with the historical orders between the enterprises are obtained by a data analysis method according to the business data related information and the credit and debit data related information of the clients with the historical orders between the enterprises, and the report forms comprise a client overdue statistical table, a client repayment schedule table, a client profit and loss balance table and a client statistical chart.

According to the intelligent wind control system applied to the field of engineering machinery, the second user side further comprises a white list module and a black list module;

the white list module is used for storing and inquiring the information of the white list client so that the business bill information of the white list client and the credit and debit bill information of the white list client can pass through when being checked;

and the blacklist module is used for storing and inquiring the information of the blacklist client so that the business bill information of the blacklist client and the information of the credit and audit list of the blacklist client are not passed when being audited.

According to the intelligent wind control system applied to the field of engineering machinery, the second user side further comprises:

the second early warning module is used for inquiring and displaying early warning information; the early warning information comprises client risk early warning information and system internal fault early warning information.

According to the intelligent wind control system applied to the field of engineering machinery, the intelligent wind control system further comprises:

the server is in communication connection with the first user side and the second user side, and is used for training an algorithm model by utilizing a big data modeling technology based on a plurality of client credit information data, historical order information and payment overdue information between a plurality of clients and the enterprise, and constructing a client portrait system displayed by the first user side and the second user side according to the credit and audit information of the clients by utilizing the trained algorithm model.

The intelligent wind control system applied to the engineering machinery field comprises a first user side, wherein the first user side comprises a first business bill module and a first credit bill module, and a business bill auditing result displayed by the first business bill module is obtained according to business bill information of a customer purchasing engineering machinery and production conditions, inventory conditions and historical order information of the engineering machinery in an enterprise producing the engineering machinery, and the auditing of the customer business bill is carried out by combining data information about the engineering machinery in the enterprise producing the engineering machinery, so that the intelligent wind control system can be suitable for risk control in the engineering machinery field. After the business bill is checked, the first letter checking module acquires letter checking information of the client and displays a letter checking result, wherein the displayed letter checking result is obtained according to a client portrait system which is constructed according to the letter checking information of the client, and the letter checking information of the client comprises the credit information of the client, the historical order information and payment overdue information between the client and an enterprise, so that the client portrait system can accurately embody the credit and operating conditions of the client. The client portrait system comprises credit data scores of the client portraits and predicted payment overdue probabilities, so that the prediction of the client payment overdue probabilities before credit is realized, and enterprise losses caused by client overdue can be reduced according to the credit audit results obtained by the client portrait system, so that risk control is realized.

Drawings

In order to more clearly illustrate the invention or the technical solutions of the prior art, the following description will briefly explain the drawings used in the embodiments or the description of the prior art, and it is obvious that the drawings in the following description are some embodiments of the invention, and other drawings can be obtained according to the drawings without inventive effort for a person skilled in the art.

FIG. 1 is a schematic diagram of an intelligent wind control system for use in the field of construction machinery;

FIG. 2 is a schematic diagram of a second embodiment of an intelligent wind control system applied to the field of engineering machinery.

Reference numerals:

1: a first user terminal; 11: a first business order module; 12: the first letter examination module; 13: a first early warning module; 14 a first image module; 2: a second user terminal; 21: a second business bill module; 22: the second letter examination module; 23: a permission configuration module; 24: a second image module; 25: a report and chart visualization module; 26: a white list module; 27: a blacklist module; 28: the second early warning module; 3: and a server.

Detailed Description

For the purpose of making the objects, technical solutions and advantages of the present invention more apparent, the technical solutions of the present invention will be clearly and completely described below with reference to the accompanying drawings, and it is apparent that the described embodiments are some embodiments of the present invention, not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.

The intelligent wind control system applied to the field of engineering machinery according to the present invention is described below with reference to fig. 1 to 2.

Fig. 1 shows one of the schematic structural diagrams of the intelligent wind control system applied to the field of engineering machinery.

As shown in fig. 1, the intelligent wind control system applied to the field of engineering machinery provided by the invention comprises a first user terminal 1.

The first user terminal 1 includes a first business bill module 11 and a first letter review module 12.

The first business bill module 11 is used for inputting business bill information of the client and displaying a business bill auditing result. Wherein the customer is a customer purchasing engineering machinery; the business bill auditing result is an auditing result obtained according to the information of the enterprise and the business bill information of the client; the enterprise is an enterprise for producing engineering machinery, and the information of the enterprise comprises production status information, inventory status information and historical order information of the engineering machinery in the enterprise.

In some specific embodiments, the first user terminal 1 may be a mobile terminal, and in particular may be a WeChat applet of a mobile terminal of a mobile phone. The business order information of the client can be conveniently and quickly input through the WeChat applet.

In some specific implementations, the customer's business order information is entered into the first business order module 11 by an on-line marketer based on customer business information recorded in the CRM (Customer Relationship Management customer relationship management system). When the purchase intention exists in the engineering machinery purchasing customer, a first-line marketing personnel inputs the customer business information in the CRM system, and when the customer definitely purchases the intention, according to the customer business information recorded in the CRM system, the first business bill module 11 inputs the business bill information of the engineering machinery purchasing customer, after the first-line marketing personnel clicks and submits the business bill information of the customer, the sales lead (or other business bill auditing personnel) can audit the business bill information of the customer, and the system can also automatically audit, and the auditing result is displayed in the first business bill module 11. And when the business bill information is checked, checking is performed according to the business bill information of the engineering machinery purchasing customer and the information of the enterprise producing the engineering machinery.

Specifically, customer basic information such as the name, address and contact information of the customer, and business information such as the purchase price, purchase model, purchase quantity, payment mode and delivery time of the customer are recorded in the business bill information of the customer, and a business bill auditor audits the business bill information of the customer according to the recorded content in the business bill information of the customer, in combination with the production status information, inventory status information and historical order information of an enterprise of the production engineering machinery, and gives an audit result, namely whether the audit result is passed or not. For example, when the business order information of the customer is displayed for one week, 20 engineering machines need to be delivered to the customer purchasing the engineering machines, the business order auditor needs to determine whether 20 engineering machines can be provided for the customer after one week according to the production status information, the inventory status information and the historical order information of the engineering machines in the enterprise, so as to determine the business order auditing result. It should be noted that the foregoing is merely illustrative of the present invention, and in a specific implementation process, the verification is not only performed according to the number of purchases and delivery time of the customer in the business form information of the customer, but also the business form verification is performed comprehensively according to other information (such as purchase price, purchase model, payment method, etc.) in the business form information of the customer.

And the first letter examination list module 12 is used for acquiring letter examination list information of the client and displaying the letter examination list examination result when the business list examination result is passing. The credit audit result is a result obtained according to the customer portrait system and is used for indicating whether to generate an order corresponding to the business bill information. The customer portrait system is constructed according to the credit and debit list information of the customer and comprises credit and debit data scoring and predicted payment overdue probability of the customer portrait; the credit receipt information of the customer comprises credit receipt data of the customer, historical order information and payment overdue information between the customer and an enterprise.

The invention can carry out the audit of the client business bill according to the business bill information of the client and the data information about the engineering machinery in the enterprise for producing the engineering machinery, and can be suitable for risk control in the engineering machinery field. In addition, the invention realizes the prediction of the overdue probability of the payment before the client credit according to the credit data score of the client portrait and the predicted overdue probability of the payment in the client portrait system constructed according to the credit information of the client, carries out the credit audit of the client according to the predicted value of the overdue probability of the payment and the credit data score of the client portrait, can reduce the enterprise loss caused by the overdue of the client and realize the risk control.

After the business bill auditing is passed, the first business bill module 11 displays that the business bill auditing result is passed, and the first business bill module 12 acquires the business bill information of the client. The information of the client's letter examination list can be examined by the lead of the enterprise's wind control part (or other letter examination list examination staff), and can also be automatically examined by the system. During auditing, the credit audit is performed according to the content in the customer portrait system. The customer representation system includes credit data scores of the customer representation (wherein the credit data scores include a plurality of items such as a company background score of the customer, a wind control analysis score of the customer, a business analysis score of the customer, an asset analysis score of the customer, and a public opinion analysis score of the customer). The customer representation system also includes a predicted probability of overdue customer payment. In addition, other information of the client is also included in the client portrait system, such as client base information of client name, type of enterprise to which the client belongs, registered capital of client enterprise, time of establishment, legal name, etc.

When the credit audit auditor performs credit audit, the credit audit auditor can perform the credit audit according to the credit data score and the predicted payment overdue probability of the client portrait in the client portrait system, for example, when the predicted payment overdue probability is higher (for example, more than 30%) in the client portrait system, the credit audit auditor can give the credit audit result as not passing. In addition, the credit card auditor can audit by combining credit card data scores of the customer portrait on the basis of the predicted payment overdue probability. When the system automatically checks, the system can check in a form of setting a threshold value, and then the check result of the letter check is determined to be passed or not passed. For example, the system may automatically determine that the letter audit result is passed when the predicted payment overdue probability is less than a certain set threshold, or else, the letter audit result is not passed.

The customer representation system is obtained based on the customer's review information. In some embodiments, the algorithm model may be trained using big data modeling techniques based on a plurality of customer credit data and historical order information and payment overdue information between the plurality of customers and the enterprise, and the customer representation system may be constructed based on the credit and audit information of the customers using the trained algorithm model.

It should be noted that, the reason why the information of the review form of the client includes the historical order information and the overdue payment information between the client and the enterprise is considered, if the historical order information exists between the client and the enterprise, the purchase condition, the overdue payment condition, the use condition of the purchased product, and the like of the client can be queried according to the historical order information. For example, if the historical purchase information of a customer indicates that the customer has a overdue condition of multiple payments, the customer has a high probability of overdue risk. Moreover, the enterprise can monitor the use condition of the engineering mechanical product by the client according to the engineering mechanical product purchased by the client in history, if the frequency of using the engineering mechanical product by the client is very high, the working project of the client is more, the income is more, and the overdue risk is smaller.

The credit worthiness data of the customer includes loan information of the customer, customer property information, customer relationship network, customer consumption record, customer behavior information, customer liability information, etc.

The client's letter audit result is displayed on the first letter audit module 12, in order to facilitate the user to check the client's comprehensive audit situation (including the client's business audit result and the client's letter audit result), the client's letter audit result may also be displayed on the first business bill module 11, i.e. the first business bill module 11 displays both the client's business bill audit result and the client's letter audit result, and the user of the intelligent wind control system may check the business bill audit result and the letter audit result directly on the first business bill module 11. And when the verification result of the credit examination list passes, the verification result is fed back to the CRM system, and the credit examination list is ordered in the CRM system.

FIG. 2 is a schematic diagram of a second embodiment of an intelligent wind control system applied to the field of engineering machinery.

As shown in fig. 2, as an optional implementation manner, the intelligent wind control system applied to the engineering machinery field provided by the invention further includes a second user terminal 2.

In some embodiments, the second client 2 may be a Web client.

The second client 2 includes: the rights configuration module 23.

The permission configuration module 23 is used for performing permission configuration on the first user side 1 and the second user side 2; the authority configuration comprises user management, role management, business flow configuration, credit investigation risk type configuration, credit investigation personnel configuration and credit investigation flow configuration.

The invention reduces customized development by setting the authority configuration module 23, and is easy for the expansion of related services and technologies.

The second user terminal 2 and the first user terminal 1 provided by the invention can communicate through the server 3, so that the first user terminal 1 and the second user terminal 2 can synchronize, interact and transmit information.

The second user terminal 2 provided by the invention can meet the requirement of staff or leaders in enterprises producing engineering machinery, and is convenient for the staff or leaders to check various data information about clients displayed by the second user terminal 2. The invention combines the first user terminal 1 (mobile terminal) and the second user terminal 2 (Web terminal), and can meet the demands of different user groups.

In some embodiments, the second user side may further include a policy engine module, so that the intelligent wind control system may automatically provide approval process pushing, for example, automatically pushing a business order information approval message to a business order information approver.

In some embodiments, the first client 1 is further configured to obtain a client electronic signature. The electronic signature is used for acquiring customer credit authorization, and the customer credit authorization is used for acquiring credit data of customers from a plurality of channels.

The invention obtains the client credit authorization by obtaining the client electronic signature, and further can call the client credit data from the bank according to the client credit authorization. In addition, the client credit information related data can be purchased from a third party database (such as Mo De database) according to client credit information authorization, and a client portrait system is constructed by combining the client credit information acquired by multiple channels, so that the comprehensiveness and accuracy of information in the client portrait system are improved, and the accuracy of client credit examination results is further improved.

In some embodiments, the credit worthiness data score and predicted payment overdue probability of the customer representation are updated with an update frequency of the credit worthiness data of the customer.

The first client 1 further comprises a first early warning module 13.

The first early warning module 13 is configured to perform early warning when the predicted overdue risk probability displayed in the customer portrait system is lower than a preset risk probability.

In the invention, because the credit data score and the predicted payment overdue probability of the customer image are updated along with the updating frequency of the credit data of the customer, when the credit condition of the customer in the credit data of the customer changes, the credit data score and the predicted payment overdue probability of the customer image in a customer image system also change, thereby timely monitoring the customer credit change condition in the customer credit, timely early warning when the predicted customer overdue risk probability is lower than the preset risk probability, and realizing the monitoring and early warning of the overdue risk condition in the customer credit so as to facilitate enterprises to make countermeasures in time and avoid enterprise loss caused by the customer payment overdue.

In some embodiments, the first client 1 includes a first image module 14. The first portrayal module 14 is for displaying a customer portrayal hierarchy.

The second client 2 comprises a second portrayal module 24. The second portrayal module 24 is used to display and query the client portrayal hierarchy.

According to the invention, the client portrait modules are arranged on the first user side 1 and the second user side 2, so that the users of the first user side 1 and the second user side 2 can conveniently view the client portrait system at any time.

Specifically, according to the specific content contained in the client portrait system described above, when the user views the content of the client portrait system from the first portrait module 14 or the second portrait module 24, the user may click on the client portrait module to enter the main interface of the client portrait module, and the main interface may include credit worthiness data score and predicted payment overdue probability of the client portrait. Wherein, the credit rating data of the customer portrait comprises a plurality of ratings, and the corresponding credit rating data also comprises a plurality of ratings, such as background data, risk analysis data, operation analysis data, asset analysis data, public opinion analysis data and the like. The user can further click any item of credit information data to enter a corresponding interface to check specific data information of the item of credit information data.

In some embodiments, the second client 2 further includes a second business order module 21 and a second review order module 22.

A second business list module 21 for querying a business list; the business listing includes information related to business data of a plurality of customers having historical orders between the businesses.

The business data related information includes business bill number, business creation time, approval status, branch, marketing representative, new and old customer, risk level, name of the nominal purchasing robot (name of purchasing engineering mechanical person), detailed address of the nominal purchasing robot, identification number or business credit code of the nominal purchasing robot, contact phone of the nominal purchasing robot, name of the actual purchasing robot, detailed address of the actual purchasing robot, identification number or business credit code of the actual purchasing robot, contact phone of the actual purchasing robot, name of the guarantor, contact phone of the guarantor, model number of engineering machine, place of delivery, cross-region, whether to pay money with object, contract price (element), total amount (element), price (element), payment mode, year, pay-per-payment (element), pay-per-payment ratio (%), last payback date, insurance fee (element), gift accessory (element), other fees (element), intermediary, phone number of the intermediary, contract, special customer property of the intermediary, and other property of the intermediary.

The business data related information in the business list supports inquiring according to the nominal purchasing person, the actual purchasing person, the intermediary, the equipment number and the content of the affiliated agent, and supports downloading as Excel.

A second letter review module 22 for querying a letter review list; the censoring list includes censoring data related information for a plurality of customers for whom historical orders exist between the enterprises.

The information related to the credit data comprises a business bill number, credit creation time, approval state, name or enterprise name, affiliated agency, business department credit type, agency credit type, risk level, predicted overdue probability, guarantor, marketer contact mode and whether information is uploaded, wherein the information comprises an identity card, a wedding card or an divorce card, a household account, a property card, a running card, a income certificate, an engineering certificate, others and operations.

The relevant information of the credit examination data in the credit examination list supports inquiring according to names or business names, marketing personnel, business bill numbers, identity card numbers or business credit codes, payment modes, business submission reality, risk grades and affiliated agent contents, and supports downloading to Excel.

The invention is convenient for the user of the second user terminal 2 to inquire the business data related information or the information related to the credit and audit data of a plurality of clients with history order information between enterprises by arranging the second business bill module 21 and the second credit and audit bill module 22 at the second user terminal 2.

As an alternative embodiment, the second client 2 further includes: report and chart visualization module 25.

Report and chart visualization module 25 is used to query and display the report of multiple clients with historical orders between the enterprise. The report forms of the clients with the historical orders between enterprises are obtained by a data analysis method according to business data related information and information related to information of the censored data of the clients with the historical orders between enterprises, and comprise a client overdue statistical table, a client repayment schedule table, a client profit and loss balance table and a client statistical chart.

After clicking the report and chart visualization module 25 on the display screen, the user enters an overview page of the report and chart visualization module 25, wherein the content displayed on the overview page may include real-time inquiry and display of business singular, overview rejection, reason rejection statistics, overdue overview, passing rate and overdue rate. After clicking the above contents correspondingly, the information corresponding to the part of the contents can be checked.

The customer overdue statistical table comprises an order number, a contract number, a device number, an actual purchasing robot name, a paying date, a continuous unrevealed term number, a total overdue term number, an overdue amount and a loan balance. The customer overdue statistical table supports inquiring according to equipment numbers, actual robot purchasing, machine types and contract numbers, and supports downloading as Excel.

The customer repayment schedule table comprises a business bill number, a bill state, a CRM sales contract number, a CRM project number, a customer code, a customer name, an actual purchasing robot name, a sales mode, a machine type, a device number, a contract amount, a delivery date, an interval month, a repayment schedule serial number, a repayment project, a scheduled repayment date, a scheduled repayment amount, a total term number (without pay-through), whether a mobile phone, an agent code, an agent name and a branch company. The overdue statistics support queries according to business deal number, actual purchaser name, customer name, CRM sales contract number, while supporting downloads as Excel.

The customer profit and loss balance statistical table comprises contract numbers, actual purchase robots, machine types, equipment numbers, purchase dates, areas, marketing representatives, total refunds, early warning coverage time (month) and estimated income. The overdue statistical table supports inquiring according to equipment numbers, actual robot purchasing, machine types and contract numbers, and supports downloading to Excel. The chart statistics are used for screening overdue absolute amount, overdue rate, overdue face data and each model head-to-pay ratio timing chart in a set date range.

In a specific embodiment, the second client 2 further includes a whitelist module 26 and a blacklist module 27.

The whitelist module 26 is configured to store and query information of the whitelist client, so that both the business form information of the whitelist client and the review form information of the whitelist client can be passed when they are reviewed.

Specifically, before the business bill information of the client is checked, if the client is inquired to be located in the white list module 26, the business bill information is not required to be checked, and the business bill checking result can be directly passed, so that the business bill information checking is uniform.

The blacklist module 27 is configured to store and query information of the blacklist client, so that both the business order information of the blacklist client and the review order information of the blacklist client are not passed when they are reviewed.

Specifically, before the business order information of the client is checked, if the client is found to be in the blacklist module 27, the business order information is not checked, and the business order checking result can be directly given as failed. In actual operation, when the business bill auditing result is that the business bill is not passed, the business bill auditing module is not entered for the business bill auditing.

It should be noted that, considering that the first ue 1 is usually a mobile terminal, such as a micro-letter applet of a mobile phone, the display screen of the mobile terminal is smaller, and the second ue 2 may be configured as a Web terminal, and the display screen is larger, so, for convenience of query, the whitelist module 26 and the blacklist module 27 are disposed on the second ue 2. In addition, as another alternative implementation manner, a database may be set in the intelligent wind control system applied to the engineering machinery field, and the white list module 26 and the black list module 27 may be stored in the database for the user to query, or the black list or white list client information may be automatically retrieved during the business bill information audit or the letter audit.

The invention can improve the auditing efficiency of the business bill information and the credit and audit bill information of the system by arranging the white list module 26 and the black list module 27.

In some embodiments, the second client 2 further includes a second pre-alarm module 28.

The second early warning module 28 is used for inquiring and displaying early warning information; the early warning information comprises client risk early warning information and system internal fault early warning information.

The client risk early warning information corresponds to information of early warning by the first early warning module 13 in the first user side 1. And carrying out client risk early warning when the intelligent wind control system monitors that the predicted overdue risk probability of the client is lower than the preset risk probability. The system internal fault early warning information is information for early warning when faults occur in the intelligent wind control system. With respect to the monitoring of the internal faults of the system, an intelligent wind control system can be arranged to be in butt joint with a plurality of monitoring platforms, the operation condition of the system is monitored through the monitoring platforms, when the abnormal operation condition of the system is monitored, the monitoring platforms send fault information to the second early warning module 28, and the fault early warning information in the system is displayed through the second early warning module 28.

By arranging the second early warning module 28, the invention timely informs related personnel of the real-time running state fault of the system and the overdue risk condition of the client, timely processes the fault, reduces the influence of the system fault on the service and reduces the loss of the client to the enterprise due to overdue.

In some embodiments, the intelligent wind control system applied to the field of engineering machinery provided by the invention further comprises a server 3.

The server 3 is in communication connection with the first user terminal 1 and the second user terminal 2, and is used for training an algorithm model by utilizing a big data modeling technology based on a plurality of client credit information data, historical order information and payment overdue information between a plurality of clients and an enterprise, and constructing a client portrait system displayed by the first user terminal 1 and the second user terminal 2 according to the credit and audit information of the clients by utilizing the trained algorithm model.

In some embodiments, the algorithm modules trained using big data modeling techniques include a Catboost algorithm model and a LightGBM model.

According to the invention, the data communication between the first user side and the second user side is realized by arranging the server. And training an algorithm model and constructing a customer portrait system by setting a server, and transmitting the constructed customer portrait system to the first user side or the second user side, so that the occupation of computing resources of the first user side and the second user side is reduced, and the information processing efficiency of the first user side and the second user side is improved.

Finally, it should be noted that: the above embodiments are only for illustrating the technical solution of the present invention, and are not limiting; although the invention has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical scheme described in the foregoing embodiments can be modified or some technical features thereof can be replaced by equivalents; such modifications and substitutions do not depart from the spirit and scope of the technical solutions of the embodiments of the present invention.

Claims (10)

1. An intelligent wind control system applied to the field of engineering machinery is characterized by comprising a first user end;

the first user terminal comprises a first business bill module and a first letter examination bill module;

the first business bill module is used for inputting business bill information of the client and displaying a business bill auditing result; the client is a client needing to purchase engineering machinery; the business bill auditing result is an auditing result obtained according to the information of the enterprise and the business bill information of the client; the enterprise is an enterprise for producing the engineering machinery, and the information of the enterprise comprises production condition information, stock condition information and historical order information of the engineering machinery in the enterprise;

the first letter examination module is used for acquiring letter examination information of the client and displaying a letter examination result when the business examination result is passed; the letter examination result is a result obtained according to a customer portrait system and is used for indicating whether to generate an order corresponding to the business bill information; the customer portrait system is constructed according to the credit and debit information of the customer and comprises credit and debit data scoring and predicted payment overdue probability of the customer portrait; the credit and debit information of the customer comprises credit and debit data of the customer, historical order information and payment overdue information between the customer and the enterprise.

2. The intelligent wind control system applied to the field of engineering machinery according to claim 1, wherein the first user side is further configured to obtain a customer electronic signature; the electronic signature is used for acquiring customer credit authorization, and the customer credit authorization is used for acquiring credit data of the customer from a plurality of channels.

3. The intelligent wind control system applied to the field of engineering machinery according to claim 1, wherein the credit worthiness data score and the predicted payment overdue probability of the customer representation are updated with the update frequency of the credit worthiness data of the customer;

the first user side further includes:

and the first early warning module is used for early warning when the predicted overdue risk probability displayed in the customer portrait system is lower than a preset risk probability.

4. The intelligent wind control system applied to the field of engineering machinery according to claim 1, further comprising a second user terminal;

the second user terminal includes: a permission configuration module;

the permission configuration module is used for performing permission configuration on the first user side and the second user side; the authority configuration comprises user management, role management, business flow configuration, credit investigation risk type configuration, credit investigation personnel configuration and credit investigation flow configuration.

5. The intelligent wind control system applied to the field of engineering machinery according to claim 4, wherein the first user side includes: the first image module is used for displaying the customer image system;

the second user terminal includes: and the second image module is used for displaying and inquiring the customer image system.

6. The intelligent wind control system applied to the field of engineering machinery according to claim 4, wherein the second user side further comprises a second business bill module and a second credit and debit bill module;

the second business list module is used for inquiring a business list; the business listing including business data related information for a plurality of customers having historical orders between the businesses;

the second credit examination list module is used for inquiring the credit examination list; the censoring list includes censoring data related information for a plurality of customers for whom historical orders exist between the enterprises.

7. The intelligent wind control system applied to the field of engineering machinery according to claim 4, wherein the second user side further comprises:

the report and chart visualization module is used for inquiring and displaying reports of a plurality of clients with history orders between the enterprise; the report forms of the clients with the historical orders between the enterprises are obtained by a data analysis method according to the business data related information and the credit and debit data related information of the clients with the historical orders between the enterprises, and the report forms comprise a client overdue statistical table, a client repayment schedule table, a client profit and loss balance table and a client statistical chart.

8. The intelligent wind control system applied to the field of engineering machinery according to claim 4, wherein the second user side further comprises a white list module and a black list module;

the white list module is used for storing and inquiring the information of the white list client so that the business bill information of the white list client and the credit and debit bill information of the white list client can pass through when being checked;

and the blacklist module is used for storing and inquiring the information of the blacklist client so that the business bill information of the blacklist client and the information of the credit and audit list of the blacklist client are not passed when being audited.

9. The intelligent wind control system applied to the field of engineering machinery according to claim 4, wherein the second user side further comprises:

the second early warning module is used for inquiring and displaying early warning information; the early warning information comprises client risk early warning information and system internal fault early warning information.

10. The intelligent wind control system for use in the field of construction machinery according to claim 4, further comprising:

the server is in communication connection with the first user side and the second user side, and is used for training an algorithm model by utilizing a big data modeling technology based on a plurality of client credit information data, historical order information and payment overdue information between a plurality of clients and the enterprise, and constructing a client portrait system displayed by the first user side and the second user side according to the credit and audit information of the clients by utilizing the trained algorithm model.