CN116630035A - Enterprise financing-based life cycle tracking method, device, equipment and medium - Google Patents
Enterprise financing-based life cycle tracking method, device, equipment and medium Download PDFInfo
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- G—PHYSICS
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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- G06F—ELECTRIC DIGITAL DATA PROCESSING
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- G06F21/60—Protecting data
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- G06F21/60—Protecting data
- G06F21/62—Protecting access to data via a platform, e.g. using keys or access control rules
- G06F21/6218—Protecting access to data via a platform, e.g. using keys or access control rules to a system of files or objects, e.g. local or distributed file system or database
Abstract
The invention relates to the technical field of data processing, and provides a life cycle tracking method, device, equipment and medium based on enterprise financing, which can perform wind control detection according to collected pre-loan access information and a pre-built wind control detection model, further obtain wind control detection results based on artificial intelligence means, perform financing matching in a pre-maintained database of the sponsor based on the pre-loan access information and the wind control detection results so as to rapidly match to a target sponsor, monitor in loan in a period from successful financing to finishing financing, perform post-loan management in a monitoring process, generate a full life cycle tracking report of a target enterprise financing service when the financing finishing is monitored, further realize full life cycle tracking of the financing service, reduce the risk of the financing process, and further encrypt and store the full life cycle tracking report so as to ensure the safety of data.
Description
Technical Field
The present invention relates to the field of data processing technologies, and in particular, to a lifecycle tracking method, apparatus, device, and medium based on enterprise financing.
Background
With the development of market economy, the relationship between enterprises and clients is more and more complex, and the demands of clients are more and more diversified.
Therefore, in order to reduce the risk of enterprise financing, the full lifecycle of enterprise financing needs to be tracked and managed to avoid unnecessary loss.
Disclosure of Invention
In view of the foregoing, it is desirable to provide a method, apparatus, device, and medium for tracking a lifecycle based on enterprise financing, which can reduce the risk of financing by tracking the full lifecycle of the enterprise financing.
A lifecycle tracking method based on enterprise financing, the lifecycle tracking method based on enterprise financing comprising:
responding to a life cycle tracking instruction of a financing service of a target enterprise, and collecting pre-credit admittance information of the target enterprise;
acquiring a pre-constructed wind control detection model, and performing wind control detection according to the pre-credit access information and the wind control detection model to obtain a wind control detection result;
financing matching is carried out in a pre-maintained sponsor database based on the pre-credit access information and the wind control detection result, so as to obtain a target sponsor;
pushing a financing request of the target enterprise to the target sponsor, and monitoring in lending in a time period from successful financing to finishing financing after successful financing is detected;
Performing post-loan management in the monitoring process, and generating a full life cycle tracking report of the target enterprise financing service when the end of financing is monitored;
and encrypting and storing the full life cycle tracking report.
According to a preferred embodiment of the present invention, before the obtaining the pre-constructed wind control detection model, the method further includes:
acquiring history pre-credit access information and an initial detection model;
performing feature engineering on the history pre-credit access information to obtain candidate features;
performing univariate analysis on the candidate features to obtain analysis results;
selecting training samples from the historical pre-credit access information according to the analysis result;
training the initial detection model using the training samples;
in the training process, obtaining the prediction accuracy of the initial detection model;
and stopping training when the prediction accuracy is greater than or equal to a configuration threshold value to obtain the wind control detection model.
According to a preferred embodiment of the present invention, the financing matching in a pre-maintained sponsor database based on the pre-credit admission information and the wind control detection result, obtaining a target sponsor includes:
acquiring a sponsor which simultaneously meets the pre-credit access information and the wind control detection result from the sponsor database as at least one candidate sponsor;
Sending the at least one candidate sponsor to the target enterprise for selection;
when receiving the candidate sponsor selected by the target enterprise, sending the pre-credit admittance information to the selected candidate sponsor for auditing;
when a pass audit response fed back by the selected candidate sponsor is received, determining the selected candidate sponsor as the target sponsor; or alternatively
And when receiving a failed audit response fed back by the selected candidate sponsor, acquiring a new candidate sponsor from the sponsor database until the candidate sponsor is matched with the target sponsor.
According to a preferred embodiment of the present invention, said monitoring of the loan during the period from successful financing to ending of the financing comprises:
updating the financing data of the target enterprise at preset time intervals, and detecting whether the updated financing data triggers a preconfigured wind control line or not;
acquiring a repayment mode of the target enterprise, monitoring repayment conditions of the target enterprise according to the repayment mode, performing degradation treatment on authority levels of the target enterprise when the target enterprise is overdue, and sending prompt information to appointed personnel; the prompt message is used for prompting the appointed personnel to follow up the overdue reason of the target enterprise.
According to a preferred embodiment of the present invention, the performing post-credit management during the monitoring includes:
when the time from the end of financing is detected to be the configuration duration, confirming whether the target enterprise can pay normally or not;
when the target enterprise can pay normally, confirming whether the target enterprise pays continuously or not; or alternatively
And when the target enterprise cannot pay normally, confirming whether the target enterprise applies for delayed pay-off.
According to a preferred embodiment of the present invention, the generating the full life cycle tracking report of the target enterprise financing service when the end of financing is monitored includes:
generating a presentation page based on vue +elementui;
the access back end interface performs data query;
performing data rendering on the queried data based on Echarts3D to obtain a 3D chart;
returning the 3D chart to the display page for display;
and generating pdf documents based on the presentation page by utilizing a Vue Canvas component to obtain the full life cycle tracking report.
According to a preferred embodiment of the present invention, said encrypting the full lifecycle tracking report comprises:
encrypting the full life cycle tracking report based on an MD5 algorithm to obtain a ciphertext report;
Acquiring all fields from a first field bit to a second field bit from the ciphertext report as target fields, and determining the first field bit to the second field bit as a position to be filled;
deleting the target field from the ciphertext report to obtain a ciphertext to be filled;
determining a field length of the target field;
randomly generating a random field having the field length;
calculating an MD5 value of the random field;
filling the MD5 value to the position to be filled of the ciphertext to be filled, so as to obtain a full life cycle tracking ciphertext report;
and writing the full life cycle tracking ciphertext report into a blockchain node.
A lifecycle tracking apparatus based on enterprise financing, the lifecycle tracking apparatus based on enterprise financing comprising:
the system comprises an acquisition unit, a control unit and a control unit, wherein the acquisition unit is used for responding to a life cycle tracking instruction of a financing service of a target enterprise and acquiring pre-credit admittance information of the target enterprise;
the detection unit is used for acquiring a pre-constructed wind control detection model, and carrying out wind control detection according to the pre-credit admission information and the wind control detection model to obtain a wind control detection result;
the matching unit is used for financing matching in a pre-maintained sponsor database based on the pre-credit access information and the wind control detection result to obtain a target sponsor;
The monitoring unit is used for pushing the financing request of the target enterprise to the target sponsor and monitoring in lending in a time period from successful financing to finishing financing after successful financing is detected;
the generation unit is used for executing post-loan management in the monitoring process and generating a full life cycle tracking report of the target enterprise financing service when the end of financing is monitored;
and the storage unit is used for carrying out encryption storage on the full life cycle tracking report.
A computer device, the computer device comprising:
a memory storing at least one instruction; a kind of electronic device with high-pressure air-conditioning system
And the processor executes the instructions stored in the memory to realize the life cycle tracking method based on enterprise financing.
A computer-readable storage medium having stored therein at least one instruction for execution by a processor in a computer device to implement the enterprise-financing-based lifecycle tracking method.
According to the technical scheme, wind control detection can be carried out according to the collected pre-loan access information and the pre-built wind control detection model, further wind control detection results are obtained based on artificial intelligence means, financing matching is carried out in a pre-maintained database of the sponsor based on the pre-loan access information and the wind control detection results so as to quickly match to a target sponsor, in-loan monitoring is carried out in a period from successful financing to finishing financing, post-loan management is carried out in the monitoring process, and full life cycle tracking reports of target enterprise financing business are generated when the end of financing is monitored, so that full life cycle tracking of the financing business is realized, risks in the financing process are reduced, and the full life cycle tracking reports are further stored in an encrypted mode so as to ensure the safety of data.
Drawings
FIG. 1 is a flow chart of a preferred embodiment of the enterprise financing-based lifecycle tracking method of the present invention.
FIG. 2 is a functional block diagram of a preferred embodiment of the enterprise financing-based lifecycle tracking apparatus of the present invention.
FIG. 3 is a schematic diagram of a computer device implementing a preferred embodiment of an enterprise financing-based lifecycle tracking method according to the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention will be described in detail with reference to the accompanying drawings and specific embodiments.
FIG. 1 is a flow chart of a preferred embodiment of the enterprise financing-based lifecycle tracking method of the present invention. The order of the steps in the flowchart may be changed and some steps may be omitted according to various needs.
The life cycle tracking method based on enterprise financing is applied to one or more computer devices, wherein the computer device is a device capable of automatically performing numerical calculation and/or information processing according to preset or stored instructions, and the hardware comprises, but is not limited to, a microprocessor, an application specific integrated circuit (Application Specific Integrated Circuit, ASIC), a programmable gate array (Field-Programmable Gate Array, FPGA), a digital processor (Digital Signal Processor, DSP), an embedded device and the like.
The computer device may be any electronic product that can interact with a user in a human-computer manner, such as a personal computer, tablet computer, smart phone, personal digital assistant (Personal Digital Assistant, PDA), game console, interactive internet protocol television (Internet Protocol Television, IPTV), smart wearable device, etc.
The computer device may also include a network device and/or a user device. Wherein the network device includes, but is not limited to, a single network server, a server group composed of a plurality of network servers, or a Cloud based Cloud Computing (Cloud Computing) composed of a large number of hosts or network servers.
The server may be an independent server, or may be a cloud server that provides cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, content delivery networks (Content Delivery Network, CDN), and basic cloud computing services such as big data and artificial intelligence platforms.
Among these, artificial intelligence (Artificial Intelligence, AI) is the theory, method, technique and application system that uses a digital computer or a digital computer-controlled machine to simulate, extend and extend human intelligence, sense the environment, acquire knowledge and use knowledge to obtain optimal results.
Artificial intelligence infrastructure technologies generally include technologies such as sensors, dedicated artificial intelligence chips, cloud computing, distributed storage, big data processing technologies, operation/interaction systems, mechatronics, and the like. The artificial intelligence software technology mainly comprises a computer vision technology, a robot technology, a biological recognition technology, a voice processing technology, a natural language processing technology, machine learning/deep learning and other directions.
The network in which the computer device is located includes, but is not limited to, the internet, a wide area network, a metropolitan area network, a local area network, a virtual private network (Virtual Private Network, VPN), and the like.
S10, responding to a life cycle tracking instruction of a financing service of a target enterprise, and collecting pre-credit admission information of the target enterprise.
In this embodiment, the lifecycle tracking instruction may be triggered automatically when a financing service is detected, or may be triggered according to an actual service requirement, which is not limited in the present invention.
In this embodiment, the collecting the pre-credit admission information of the target enterprise includes:
displaying a data acquisition interface; the data acquisition interface is used for receiving data uploaded by a user;
and acquiring data input in the data acquisition interface as the pre-credit access information.
Wherein the pre-credit admission information may include, but is not limited to, one or a combination of the following:
(1) Five-element information of enterprises: name of enterprise, social credit code, legal person mobile phone number, legal person identification card number;
(2) Business information, including: basic business information of enterprises, stock right architecture, law litigation, real estate mortgage and the like;
(3) Business transaction data such as invoices, bank flows, receivables, etc.
S11, acquiring a pre-constructed wind control detection model, and carrying out wind control detection according to the pre-credit admission information and the wind control detection model to obtain a wind control detection result.
In this embodiment, the wind control detection model may be a pre-trained artificial intelligence detection model.
Specifically, before the pre-constructed wind control detection model is obtained, the method further includes:
acquiring history pre-credit access information and an initial detection model;
performing feature engineering on the history pre-credit access information to obtain candidate features;
performing univariate analysis on the candidate features to obtain analysis results;
selecting training samples from the historical pre-credit access information according to the analysis result;
Training the initial detection model using the training samples;
in the training process, obtaining the prediction accuracy of the initial detection model;
and stopping training when the prediction accuracy is greater than or equal to a configuration threshold value to obtain the wind control detection model.
The initial detection model is any artificial intelligent model with a prediction function.
The feature engineering comprises feature selection, feature extraction and feature construction.
Wherein, by performing univariate analysis, characteristics such as the variation trend of the single variable can be determined.
The configuration threshold may be configured according to the actual detection accuracy requirement, for example, 95%.
Through training the wind control detection model, can assist the follow-up quick wind control detection that carries out.
For example: the input data of the wind control detection model can be invoice data of enterprises in the last two years, the output data of the wind control detection model can comprise a rule item, a judgment value, a risk level and a judgment result, wherein the rule item can be 'the maximum continuous non-billing day of about 12 months is more than 150 days', the risk level can be 'the risk of wind', the judgment value can be 'greater than or equal to 150 days', and the judgment result can be 'passing'.
It should be noted that, after the wind control detection model is obtained, a database SQL (Structured Query Language ) may be used to query and verify whether the detection result of the model is correct, so as to ensure that the model is available, and has higher accuracy.
And S12, financing matching is carried out in a pre-maintained sponsor database based on the pre-credit access information and the wind control detection result, so as to obtain the target sponsor.
In this embodiment, the performing financing matching in a pre-maintained sponsor database based on the pre-credit admission information and the wind control detection result to obtain a target sponsor includes:
acquiring a sponsor which simultaneously meets the pre-credit access information and the wind control detection result from the sponsor database as at least one candidate sponsor;
sending the at least one candidate sponsor to the target enterprise for selection;
when receiving the candidate sponsor selected by the target enterprise, sending the pre-credit admittance information to the selected candidate sponsor for auditing;
when a pass audit response fed back by the selected candidate sponsor is received, determining the selected candidate sponsor as the target sponsor; or alternatively
And when receiving a failed audit response fed back by the selected candidate sponsor, acquiring a new candidate sponsor from the sponsor database until the candidate sponsor is matched with the target sponsor.
The database of the sponsor can be maintained in advance so as to facilitate quick call.
Through the embodiment, the quick matching of the sponsors can be realized, so that the financing efficiency is improved.
And S13, pushing the financing request of the target enterprise to the target sponsor, and monitoring in lending in a time period from successful financing to finishing financing after successful financing is detected.
In this embodiment, the monitoring during the period from successful financing to end of financing includes:
updating the financing data of the target enterprise at preset time intervals, and detecting whether the updated financing data triggers a preconfigured wind control line or not;
acquiring a repayment mode of the target enterprise, monitoring repayment conditions of the target enterprise according to the repayment mode, performing degradation treatment on authority levels of the target enterprise when the target enterprise is overdue, and sending prompt information to appointed personnel; the prompt message is used for prompting the appointed personnel to follow up the overdue reason of the target enterprise.
The preset time interval can be configured in a self-defined manner so as to realize periodic detection. For example: generally, 6-24 months need to elapse from successful financing to finishing financing, so that the financing data of the target enterprise can be updated monthly, and whether the updated financing data triggers a preconfigured wind control line is detected, so that the risk of abnormality occurrence is reduced.
The repayment mode can comprise a first-time, later-time, equal-cost and other modes, if the customer is overdue, a special person can be prompted to electrically connect the customer to know specific overdue details, and the customer is actively assisted in solving the problem so as to stabilize cooperation.
S14, performing post-loan management in the monitoring process, and generating a full life cycle tracking report of the target enterprise financing business when the end of financing is monitored.
In this embodiment, the performing post-loan management in the monitoring process includes:
when the time from the end of financing is detected to be the configuration duration, confirming whether the target enterprise can pay normally or not;
when the target enterprise can pay normally, confirming whether the target enterprise pays continuously or not; or alternatively
And when the target enterprise cannot pay normally, confirming whether the target enterprise applies for delayed pay-off.
The configuration duration may be configured in a user-defined manner, for example, 3 days.
Whether the repayment can be normally carried out or not is actively tracked, different coping strategies are given out based on whether the repayment can be normally carried out or not, enterprise requirements can be met better, and better and more stable cooperation is achieved.
In this embodiment, the generating the full life cycle tracking report of the target enterprise financing service when the end of the financing is monitored includes:
generating a presentation page based on vue +elementui;
the access back end interface performs data query;
performing data rendering on the queried data based on Echarts3D to obtain a 3D chart;
returning the 3D chart to the display page for display;
and generating pdf documents based on the presentation page by utilizing a Vue Canvas component to obtain the full life cycle tracking report.
The echarties 3D is a 3D visualization library based on the echarties, and can provide 3D chart types such as a histogram, a scatter diagram, a line graph and the like.
Through the embodiment, the full life cycle tracking report of the enterprise financing service can be provided based on the 3D technology, and the user can more intuitively know the financing condition through 3D rendering. The full life cycle tracking report can help enterprises to better grasp market opportunities, realize accurate marketing, adjust product and service strategies in time and improve the competitiveness of the enterprises.
S15, the full life cycle tracking report is stored in an encrypted mode.
In this embodiment, said encrypting the full lifecycle tracking report includes:
encrypting the full life cycle tracking report based on an MD5 Algorithm (Message-Digest Algorithm 5, MD5 information summary Algorithm) to obtain a ciphertext report;
acquiring all fields from a first field bit to a second field bit from the ciphertext report as target fields, and determining the first field bit to the second field bit as a position to be filled;
deleting the target field from the ciphertext report to obtain a ciphertext to be filled;
determining a field length of the target field;
randomly generating a random field having the field length;
calculating an MD5 value of the random field;
filling the MD5 value to the position to be filled of the ciphertext to be filled, so as to obtain a full life cycle tracking ciphertext report;
and writing the full life cycle tracking ciphertext report into a blockchain node.
In the embodiment, optimization is performed on the basis of the traditional MD5 ciphertext, and the random field is combined to enable the finally obtained full life cycle tracking ciphertext to be more difficult to crack, and further the full life cycle tracking ciphertext report is written into the blockchain node, so that the ciphertext cannot be tampered, and the safety of data is further ensured.
In this embodiment, when a download request for the full-life cycle tracking ciphertext report is received, the full-life cycle tracking ciphertext report is read from the blockchain node, and the full-life cycle tracking ciphertext report is decrypted, so that a corresponding plaintext report can be obtained, and data has absolute confidentiality.
According to the technical scheme, wind control detection can be carried out according to the collected pre-loan access information and the pre-built wind control detection model, further wind control detection results are obtained based on artificial intelligence means, financing matching is carried out in a pre-maintained database of the sponsor based on the pre-loan access information and the wind control detection results so as to quickly match to a target sponsor, in-loan monitoring is carried out in a period from successful financing to finishing financing, post-loan management is carried out in the monitoring process, and full life cycle tracking reports of target enterprise financing business are generated when the end of financing is monitored, so that full life cycle tracking of the financing business is realized, risks in the financing process are reduced, and the full life cycle tracking reports are further stored in an encrypted mode so as to ensure the safety of data.
FIG. 2 is a functional block diagram of a preferred embodiment of the enterprise financing-based lifecycle tracking apparatus of the present invention. The life cycle tracking device 11 based on enterprise financing comprises an acquisition unit 110, a detection unit 111, a matching unit 112, a monitoring unit 113, a generation unit 114 and a storage unit 115. The module/unit referred to in the present invention refers to a series of computer program segments, which are stored in a memory, capable of being executed by a processor and of performing a fixed function. In the present embodiment, the functions of the respective modules/units will be described in detail in the following embodiments.
The collection unit 110 is configured to collect pre-credit admission information of a target enterprise in response to a lifecycle tracking instruction for a financing service of the target enterprise.
In this embodiment, the lifecycle tracking instruction may be triggered automatically when a financing service is detected, or may be triggered according to an actual service requirement, which is not limited in the present invention.
In this embodiment, the collecting unit 110 collects pre-credit admission information of the target enterprise includes:
displaying a data acquisition interface; the data acquisition interface is used for receiving data uploaded by a user;
and acquiring data input in the data acquisition interface as the pre-credit access information.
Wherein the pre-credit admission information may include, but is not limited to, one or a combination of the following:
(1) Five-element information of enterprises: name of enterprise, social credit code, legal person mobile phone number, legal person identification card number;
(2) Business information, including: basic business information of enterprises, stock right architecture, law litigation, real estate mortgage and the like;
(3) Business transaction data such as invoices, bank flows, receivables, etc.
The detection unit 111 is configured to obtain a pre-constructed wind control detection model, and perform wind control detection according to the pre-credit admission information and the wind control detection model, so as to obtain a wind control detection result.
In this embodiment, the wind control detection model may be a pre-trained artificial intelligence detection model.
Specifically, before the pre-built wind control detection model is obtained, history pre-lending access information is obtained, and an initial detection model is obtained;
performing feature engineering on the history pre-credit access information to obtain candidate features;
performing univariate analysis on the candidate features to obtain analysis results;
selecting training samples from the historical pre-credit access information according to the analysis result;
training the initial detection model using the training samples;
in the training process, obtaining the prediction accuracy of the initial detection model;
and stopping training when the prediction accuracy is greater than or equal to a configuration threshold value to obtain the wind control detection model.
The initial detection model is any artificial intelligent model with a prediction function.
The feature engineering comprises feature selection, feature extraction and feature construction.
Wherein, by performing univariate analysis, characteristics such as the variation trend of the single variable can be determined.
The configuration threshold may be configured according to the actual detection accuracy requirement, for example, 95%.
Through training the wind control detection model, can assist the follow-up quick wind control detection that carries out.
For example: the input data of the wind control detection model can be invoice data of enterprises in the last two years, the output data of the wind control detection model can comprise a rule item, a judgment value, a risk level and a judgment result, wherein the rule item can be 'the maximum continuous non-billing day of about 12 months is more than 150 days', the risk level can be 'the risk of wind', the judgment value can be 'greater than or equal to 150 days', and the judgment result can be 'passing'.
It should be noted that, after the wind control detection model is obtained, a database SQL (Structured Query Language ) may be used to query and verify whether the detection result of the model is correct, so as to ensure that the model is available, and has higher accuracy.
The matching unit 112 is configured to perform financing matching in a pre-maintained sponsor database based on the pre-credit admission information and the wind control detection result, so as to obtain a target sponsor.
In this embodiment, the matching unit 112 performs financing matching in a pre-maintained sponsor database based on the pre-credit admission information and the wind control detection result, and the obtaining of the target sponsor includes:
Acquiring a sponsor which simultaneously meets the pre-credit access information and the wind control detection result from the sponsor database as at least one candidate sponsor;
sending the at least one candidate sponsor to the target enterprise for selection;
when receiving the candidate sponsor selected by the target enterprise, sending the pre-credit admittance information to the selected candidate sponsor for auditing;
when a pass audit response fed back by the selected candidate sponsor is received, determining the selected candidate sponsor as the target sponsor; or alternatively
And when receiving a failed audit response fed back by the selected candidate sponsor, acquiring a new candidate sponsor from the sponsor database until the candidate sponsor is matched with the target sponsor.
The database of the sponsor can be maintained in advance so as to facilitate quick call.
Through the embodiment, the quick matching of the sponsors can be realized, so that the financing efficiency is improved.
The monitoring unit 113 is configured to push a financing request of the target enterprise to the target sponsor, and after detecting that financing is successful, perform in-loan monitoring in a period from successful financing to end of financing.
In this embodiment, the monitoring unit 113 performs the loan monitoring during the period from successful financing to end of financing, including:
updating the financing data of the target enterprise at preset time intervals, and detecting whether the updated financing data triggers a preconfigured wind control line or not;
acquiring a repayment mode of the target enterprise, monitoring repayment conditions of the target enterprise according to the repayment mode, performing degradation treatment on authority levels of the target enterprise when the target enterprise is overdue, and sending prompt information to appointed personnel; the prompt message is used for prompting the appointed personnel to follow up the overdue reason of the target enterprise.
The preset time interval can be configured in a self-defined manner so as to realize periodic detection. For example: generally, 6-24 months need to elapse from successful financing to finishing financing, so that the financing data of the target enterprise can be updated monthly, and whether the updated financing data triggers a preconfigured wind control line is detected, so that the risk of abnormality occurrence is reduced.
The repayment mode can comprise a first-time, later-time, equal-cost and other modes, if the customer is overdue, a special person can be prompted to electrically connect the customer to know specific overdue details, and the customer is actively assisted in solving the problem so as to stabilize cooperation.
The generating unit 114 is configured to perform post-loan management during the monitoring process, and generate a full life cycle tracking report of the target enterprise financing service when the end of financing is monitored.
In this embodiment, the performing post-loan management in the monitoring process includes:
when the time from the end of financing is detected to be the configuration duration, confirming whether the target enterprise can pay normally or not;
when the target enterprise can pay normally, confirming whether the target enterprise pays continuously or not; or alternatively
And when the target enterprise cannot pay normally, confirming whether the target enterprise applies for delayed pay-off.
The configuration duration may be configured in a user-defined manner, for example, 3 days.
Whether the repayment can be normally carried out or not is actively tracked, different coping strategies are given out based on whether the repayment can be normally carried out or not, enterprise requirements can be met better, and better and more stable cooperation is achieved.
In this embodiment, the generating unit 114 generates the full life cycle tracking report of the target enterprise financing service when the end of financing is monitored includes:
generating a presentation page based on vue +elementui;
the access back end interface performs data query;
performing data rendering on the queried data based on Echarts3D to obtain a 3D chart;
Returning the 3D chart to the display page for display;
and generating pdf documents based on the presentation page by utilizing a Vue Canvas component to obtain the full life cycle tracking report.
The echarties 3D is a 3D visualization library based on the echarties, and can provide 3D chart types such as a histogram, a scatter diagram, a line graph and the like.
Through the embodiment, the full life cycle tracking report of the enterprise financing service can be provided based on the 3D technology, and the user can more intuitively know the financing condition through 3D rendering. The full life cycle tracking report can help enterprises to better grasp market opportunities, realize accurate marketing, adjust product and service strategies in time and improve the competitiveness of the enterprises.
The storage unit 115 is configured to store the full life cycle tracking report in an encrypted manner.
In this embodiment, the storing unit 115 performs encrypted storing of the full life cycle tracking report includes:
encrypting the full life cycle tracking report based on an MD5 Algorithm (Message-Digest Algorithm 5, MD5 information summary Algorithm) to obtain a ciphertext report;
acquiring all fields from a first field bit to a second field bit from the ciphertext report as target fields, and determining the first field bit to the second field bit as a position to be filled;
Deleting the target field from the ciphertext report to obtain a ciphertext to be filled;
determining a field length of the target field;
randomly generating a random field having the field length;
calculating an MD5 value of the random field;
filling the MD5 value to the position to be filled of the ciphertext to be filled, so as to obtain a full life cycle tracking ciphertext report;
and writing the full life cycle tracking ciphertext report into a blockchain node.
In the embodiment, optimization is performed on the basis of the traditional MD5 ciphertext, and the random field is combined to enable the finally obtained full life cycle tracking ciphertext to be more difficult to crack, and further the full life cycle tracking ciphertext report is written into the blockchain node, so that the ciphertext cannot be tampered, and the safety of data is further ensured.
In this embodiment, when a download request for the full-life cycle tracking ciphertext report is received, the full-life cycle tracking ciphertext report is read from the blockchain node, and the full-life cycle tracking ciphertext report is decrypted, so that a corresponding plaintext report can be obtained, and data has absolute confidentiality.
According to the technical scheme, wind control detection can be carried out according to the collected pre-loan access information and the pre-built wind control detection model, further wind control detection results are obtained based on artificial intelligence means, financing matching is carried out in a pre-maintained database of the sponsor based on the pre-loan access information and the wind control detection results so as to quickly match to a target sponsor, in-loan monitoring is carried out in a period from successful financing to finishing financing, post-loan management is carried out in the monitoring process, and full life cycle tracking reports of target enterprise financing business are generated when the end of financing is monitored, so that full life cycle tracking of the financing business is realized, risks in the financing process are reduced, and the full life cycle tracking reports are further stored in an encrypted mode so as to ensure the safety of data.
FIG. 3 is a schematic diagram of a computer device implementing a lifecycle tracking method based on enterprise financing according to a preferred embodiment of the present invention.
The computer device 1 may comprise a memory 12, a processor 13 and a bus, and may further comprise a computer program stored in the memory 12 and executable on the processor 13, such as a lifecycle tracking program based on enterprise financing.
It will be appreciated by those skilled in the art that the schematic diagram is merely an example of the computer device 1 and does not constitute a limitation of the computer device 1, the computer device 1 may be a bus type structure, a star type structure, the computer device 1 may further comprise more or less other hardware or software than illustrated, or a different arrangement of components, for example, the computer device 1 may further comprise an input-output device, a network access device, etc.
It should be noted that the computer device 1 is only used as an example, and other electronic products that may be present in the present invention or may be present in the future are also included in the scope of the present invention by way of reference.
The memory 12 includes at least one type of readable storage medium including flash memory, a removable hard disk, a multimedia card, a card memory (e.g., SD or DX memory, etc.), a magnetic memory, a magnetic disk, an optical disk, etc. The memory 12 may in some embodiments be an internal storage unit of the computer device 1, such as a removable hard disk of the computer device 1. The memory 12 may in other embodiments also be an external storage device of the computer device 1, such as a plug-in mobile hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card) or the like, which are provided on the computer device 1. Further, the memory 12 may also include both an internal storage unit and an external storage device of the computer device 1. The memory 12 may be used not only for storing application software installed on the computer device 1 and various types of data, such as code of a life cycle tracking program based on enterprise financing, but also for temporarily storing data that has been output or is to be output.
The processor 13 may be comprised of integrated circuits in some embodiments, for example, a single packaged integrated circuit, or may be comprised of multiple integrated circuits packaged with the same or different functions, including one or more central processing units (Central Processing unit, CPU), microprocessors, digital processing chips, graphics processors, a combination of various control chips, and the like. The processor 13 is a Control Unit (Control Unit) of the computer device 1, connects the respective components of the entire computer device 1 using various interfaces and lines, executes various functions of the computer device 1 and processes data by running or executing programs or modules stored in the memory 12 (for example, executing a life cycle tracking program based on enterprise financing, etc.), and calls data stored in the memory 12.
The processor 13 executes the operating system of the computer device 1 and various types of applications installed. The processor 13 executes the application program to implement the steps of the various embodiments of the enterprise financing-based lifecycle tracking method described above, such as the steps shown in FIG. 1.
Illustratively, the computer program may be partitioned into one or more modules/units that are stored in the memory 12 and executed by the processor 13 to complete the present invention. The one or more modules/units may be a series of computer readable instruction segments capable of performing the specified functions, which instruction segments describe the execution of the computer program in the computer device 1. For example, the computer program may be divided into an acquisition unit 110, a detection unit 111, a matching unit 112, a monitoring unit 113, a generation unit 114, a storage unit 115.
The integrated units implemented in the form of software functional modules described above may be stored in a computer readable storage medium. The software functional modules are stored in a storage medium and include instructions for causing a computer device (which may be a personal computer, a computer device, or a network device, etc.) or processor (processor) to perform portions of the enterprise financing-based lifecycle tracking method described in various embodiments of the present invention.
The modules/units integrated in the computer device 1 may be stored in a computer readable storage medium if implemented in the form of software functional units and sold or used as separate products. Based on this understanding, the present invention may also be implemented by a computer program for instructing a relevant hardware device to implement all or part of the procedures of the above-mentioned embodiment method, where the computer program may be stored in a computer readable storage medium and the computer program may be executed by a processor to implement the steps of each of the above-mentioned method embodiments.
Wherein the computer program comprises computer program code which may be in source code form, object code form, executable file or some intermediate form etc. The computer readable medium may include: any entity or device capable of carrying the computer program code, a recording medium, a U disk, a removable hard disk, a magnetic disk, an optical disk, a computer Memory, a Read-Only Memory (ROM), a random access Memory, or the like.
Further, the computer-readable storage medium may mainly include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application program required for at least one function, and the like; the storage data area may store data created from the use of blockchain nodes, and the like.
The blockchain is a novel application mode of computer technologies such as distributed data storage, point-to-point transmission, consensus mechanism, encryption algorithm and the like. The Blockchain (Blockchain), which is essentially a decentralised database, is a string of data blocks that are generated by cryptographic means in association, each data block containing a batch of information of network transactions for verifying the validity of the information (anti-counterfeiting) and generating the next block. The blockchain may include a blockchain underlying platform, a platform product services layer, an application services layer, and the like.
The bus may be a peripheral component interconnect standard (peripheral component interconnect, PCI) bus or an extended industry standard architecture (extended industry standard architecture, EISA) bus, among others. The bus may be classified as an address bus, a data bus, a control bus, etc. For ease of illustration, only one straight line is shown in fig. 3, but not only one bus or one type of bus. The bus is arranged to enable a connection communication between the memory 12 and at least one processor 13 or the like.
Although not shown, the computer device 1 may further comprise a power source (such as a battery) for powering the various components, preferably the power source may be logically connected to the at least one processor 13 via a power management means, whereby the functions of charge management, discharge management, and power consumption management are achieved by the power management means. The power supply may also include one or more of any of a direct current or alternating current power supply, recharging device, power failure detection circuit, power converter or inverter, power status indicator, etc. The computer device 1 may further include various sensors, bluetooth modules, wi-Fi modules, etc., which will not be described in detail herein.
Further, the computer device 1 may also comprise a network interface, optionally comprising a wired interface and/or a wireless interface (e.g. WI-FI interface, bluetooth interface, etc.), typically used for establishing a communication connection between the computer device 1 and other computer devices.
The computer device 1 may optionally further comprise a user interface, which may be a Display, an input unit, such as a Keyboard (Keyboard), or a standard wired interface, a wireless interface. Alternatively, in some embodiments, the display may be an LED display, a liquid crystal display, a touch-sensitive liquid crystal display, an OLED (Organic Light-Emitting Diode) touch, or the like. The display may also be referred to as a display screen or display unit, as appropriate, for displaying information processed in the computer device 1 and for displaying a visual user interface.
It should be understood that the embodiments described are for illustrative purposes only and are not limited to this configuration in the scope of the patent application.
Fig. 3 shows only a computer device 1 with components 12-13, it being understood by those skilled in the art that the structure shown in fig. 3 is not limiting of the computer device 1 and may include fewer or more components than shown, or may combine certain components, or a different arrangement of components.
In connection with fig. 1, the memory 12 in the computer device 1 stores a plurality of instructions to implement an enterprise financing based lifecycle tracking method, the processor 13 being executable to implement:
responding to a life cycle tracking instruction of a financing service of a target enterprise, and collecting pre-credit admittance information of the target enterprise;
acquiring a pre-constructed wind control detection model, and performing wind control detection according to the pre-credit access information and the wind control detection model to obtain a wind control detection result;
financing matching is carried out in a pre-maintained sponsor database based on the pre-credit access information and the wind control detection result, so as to obtain a target sponsor;
pushing a financing request of the target enterprise to the target sponsor, and monitoring in lending in a time period from successful financing to finishing financing after successful financing is detected;
Performing post-loan management in the monitoring process, and generating a full life cycle tracking report of the target enterprise financing service when the end of financing is monitored;
and encrypting and storing the full life cycle tracking report.
Specifically, the specific implementation method of the above instructions by the processor 13 may refer to the description of the relevant steps in the corresponding embodiment of fig. 1, which is not repeated herein.
The data in this case were obtained legally.
In the several embodiments provided in the present invention, it should be understood that the disclosed systems, devices, and methods may be implemented in other manners. For example, the above-described apparatus embodiments are merely illustrative, and for example, the division of the modules is merely a logical function division, and there may be other manners of division when actually implemented.
The invention is operational with numerous general purpose or special purpose computer system environments or configurations. For example: personal computers, server computers, hand-held or portable devices, tablet devices, multiprocessor systems, microprocessor-based systems, set top boxes, programmable consumer electronics, network PCs, minicomputers, mainframe computers, distributed computing environments that include any of the above systems or devices, and the like. The invention may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. The invention may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.
The modules described as separate components may or may not be physically separate, and components shown as modules may or may not be physical units, may be located in one place, or may be distributed over multiple network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of this embodiment.
In addition, each functional module in the embodiments of the present invention may be integrated in one processing unit, or each unit may exist alone physically, or two or more units may be integrated in one unit. The integrated units can be realized in a form of hardware or a form of hardware and a form of software functional modules.
It will be evident to those skilled in the art that the invention is not limited to the details of the foregoing illustrative embodiments, and that the present invention may be embodied in other specific forms without departing from the spirit or essential characteristics thereof.
The present embodiments are, therefore, to be considered in all respects as illustrative and not restrictive, the scope of the invention being indicated by the appended claims rather than by the foregoing description, and all changes which come within the meaning and range of equivalency of the claims are therefore intended to be embraced therein. Any reference signs in the claims shall not be construed as limiting the claim concerned.
Furthermore, it is evident that the word "comprising" does not exclude other elements or steps, and that the singular does not exclude a plurality. The units or means stated in the invention may also be implemented by one unit or means, either by software or hardware. The terms first, second, etc. are used to denote a name, but not any particular order.
Finally, it should be noted that the above-mentioned embodiments are merely for illustrating the technical solution of the present invention and not for limiting the same, and although the present invention has been described in detail with reference to the preferred embodiments, it should be understood by those skilled in the art that modifications and equivalents may be made to the technical solution of the present invention without departing from the spirit and scope of the technical solution of the present invention.
Claims (10)
1. The life cycle tracking method based on enterprise financing is characterized by comprising the following steps:
responding to a life cycle tracking instruction of a financing service of a target enterprise, and collecting pre-credit admittance information of the target enterprise;
acquiring a pre-constructed wind control detection model, and performing wind control detection according to the pre-credit access information and the wind control detection model to obtain a wind control detection result;
financing matching is carried out in a pre-maintained sponsor database based on the pre-credit access information and the wind control detection result, so as to obtain a target sponsor;
Pushing a financing request of the target enterprise to the target sponsor, and monitoring in lending in a time period from successful financing to finishing financing after successful financing is detected;
performing post-loan management in the monitoring process, and generating a full life cycle tracking report of the target enterprise financing service when the end of financing is monitored;
and encrypting and storing the full life cycle tracking report.
2. The enterprise-financing-based lifecycle tracking method of claim 1, wherein prior to the obtaining the pre-constructed wind control detection model, the method further comprises:
acquiring history pre-credit access information and an initial detection model;
performing feature engineering on the history pre-credit access information to obtain candidate features;
performing univariate analysis on the candidate features to obtain analysis results;
selecting training samples from the historical pre-credit access information according to the analysis result;
training the initial detection model using the training samples;
in the training process, obtaining the prediction accuracy of the initial detection model;
and stopping training when the prediction accuracy is greater than or equal to a configuration threshold value to obtain the wind control detection model.
3. The enterprise financing-based lifecycle tracking method of claim 1, wherein the financing matching in a pre-maintained sponsor database based on the pre-credit admission information and the wind control detection result to obtain a target sponsor comprises:
acquiring a sponsor which simultaneously meets the pre-credit access information and the wind control detection result from the sponsor database as at least one candidate sponsor;
sending the at least one candidate sponsor to the target enterprise for selection;
when receiving the candidate sponsor selected by the target enterprise, sending the pre-credit admittance information to the selected candidate sponsor for auditing;
when a pass audit response fed back by the selected candidate sponsor is received, determining the selected candidate sponsor as the target sponsor; or alternatively
And when receiving a failed audit response fed back by the selected candidate sponsor, acquiring a new candidate sponsor from the sponsor database until the candidate sponsor is matched with the target sponsor.
4. The enterprise-based financing lifecycle tracking method as recited in claim 1, wherein the lending monitoring during the period of successful financing to end of financing comprises:
Updating the financing data of the target enterprise at preset time intervals, and detecting whether the updated financing data triggers a preconfigured wind control line or not;
acquiring a repayment mode of the target enterprise, monitoring repayment conditions of the target enterprise according to the repayment mode, performing degradation treatment on authority levels of the target enterprise when the target enterprise is overdue, and sending prompt information to appointed personnel; the prompt message is used for prompting the appointed personnel to follow up the overdue reason of the target enterprise.
5. The enterprise financing-based lifecycle tracking method, as set forth in claim 1, wherein the performing post-loan management in the monitoring process comprises:
when the time from the end of financing is detected to be the configuration duration, confirming whether the target enterprise can pay normally or not;
when the target enterprise can pay normally, confirming whether the target enterprise pays continuously or not; or alternatively
And when the target enterprise cannot pay normally, confirming whether the target enterprise applies for delayed pay-off.
6. The enterprise-financing-based lifecycle tracking method of claim 1, wherein the generating the full lifecycle tracking report for the target enterprise financing service when the end of the financing is monitored comprises:
Generating a presentation page based on vue +elementui;
the access back end interface performs data query;
performing data rendering on the queried data based on Echarts3D to obtain a 3D chart;
returning the 3D chart to the display page for display;
and generating pdf documents based on the presentation page by utilizing a Vue Canvas component to obtain the full life cycle tracking report.
7. The enterprise-financing-based lifecycle tracking method of claim 1, wherein the cryptographically storing the full-lifecycle tracking report comprises:
encrypting the full life cycle tracking report based on an MD5 algorithm to obtain a ciphertext report;
acquiring all fields from a first field bit to a second field bit from the ciphertext report as target fields, and determining the first field bit to the second field bit as a position to be filled;
deleting the target field from the ciphertext report to obtain a ciphertext to be filled;
determining a field length of the target field;
randomly generating a random field having the field length;
calculating an MD5 value of the random field;
filling the MD5 value to the position to be filled of the ciphertext to be filled, so as to obtain a full life cycle tracking ciphertext report;
And writing the full life cycle tracking ciphertext report into a blockchain node.
8. A lifecycle tracking apparatus based on enterprise financing, the lifecycle tracking apparatus based on enterprise financing comprising:
the system comprises an acquisition unit, a control unit and a control unit, wherein the acquisition unit is used for responding to a life cycle tracking instruction of a financing service of a target enterprise and acquiring pre-credit admittance information of the target enterprise;
the detection unit is used for acquiring a pre-constructed wind control detection model, and carrying out wind control detection according to the pre-credit admission information and the wind control detection model to obtain a wind control detection result;
the matching unit is used for financing matching in a pre-maintained sponsor database based on the pre-credit access information and the wind control detection result to obtain a target sponsor;
the monitoring unit is used for pushing the financing request of the target enterprise to the target sponsor and monitoring in lending in a time period from successful financing to finishing financing after successful financing is detected;
the generation unit is used for executing post-loan management in the monitoring process and generating a full life cycle tracking report of the target enterprise financing service when the end of financing is monitored;
and the storage unit is used for carrying out encryption storage on the full life cycle tracking report.
9. A computer device, the computer device comprising:
a memory storing at least one instruction; a kind of electronic device with high-pressure air-conditioning system
A processor executing instructions stored in the memory to implement the enterprise financing-based lifecycle tracking method recited in any one of claims 1-7.
10. A computer-readable storage medium, characterized by: the computer readable storage medium having stored therein at least one instruction for execution by a processor in a computer device to implement the enterprise financing based lifecycle tracking method of any one of claims 1 to 7.
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