CN116757850A - Intelligent transaction supervision method based on block link line perspective - Google Patents
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Abstract
The invention provides an intelligent transaction supervision method based on block chain line perspective, which comprises the following steps: s1, collecting transaction data from a transaction system, a transaction party information system, a transaction compliance judging system, a settlement system, a personal database system, an institution database system, a transaction history database system and/or an account database system; s2, acquiring a (UI, UA) list based on the collected transaction data, wherein the (UI, UA) list represents a novel data structure of a (final investor, final investment asset) list; s3, establishing a corresponding UIMA connection diagram based on the (UI, UA) list; s4, determining possible final investors and possible final assets based on the UIMA connection graph, wherein the step S4 is implemented by using a perspective upward supervision (URC) module and a perspective downward supervision (DRC) module.
Description
Technical Field
The invention belongs to the technical field of supervision technology, in particular to an intelligent transaction supervision method based on block link line perspective, which can be used in a traditional financial system or a novel digital economic system, wherein the novel digital economic system comprises a system using a block chain (Blockchain) or a system (Distributed Ledger Technology, DLT) of a distributed ledger.
Background
At present, the specific transaction projects have the technical defects of more distribution points of the building projects, untimely message transmission, uncontrollable logistics distribution, different timely performance of suppliers and low settlement and payment efficiency. In addition, the supervision technology is an important financial technology, and the intelligent transaction supervision of route perspective is a supervision technology with special importance. Intelligent transaction supervision of route perspective requires that the final investors of the assets be identified upward and the underlying assets of the assets be identified downward so that the relationship of "final investors" and "final investment assets" can be found. In the process of finding the "final investor who identified the asset upwards", multiple intermediate investors can be found. The final investor will not be one person (e.g., a), and all intermediate participants may be final investors. Modern investors are also flexible, e.g. Zhang San may use a nominal investment of children or friends instead of his nominal investment, e.g. Lisi, with hidden businesses or relatives. These are all discoveries that need to be made under intelligent transaction supervision of route perspective. Another problem is that the investment of Zhang san itself is compliant and the investment of Lisi four itself is compliant, but the joint investment of Zhang san, lisi four may not be compliant, and there may be a scene of interest exchange because Zhang san and Lisi four are associated, and the investment assets are also associated. In a similar scenario of "bottom assets identifying assets downward," different intermediate assets may be discovered. For example, A pays B for purchase of asset X, B in turn pays C for purchase of asset Y, and C pays D for purchase of asset Z. The final asset purchased by A may thus be X or Y or Z (or a combination of the foregoing), rather than just Z. Thus, a complex relationship occurs between (A, B, C) purchasers, and (X, Y, Z), where A may be the final investor in the assets X, Y, Z, B may be the final investor in the assets Y, Z, and C may be the final investor in Z. In addition, financial transaction violation events are now more and more flexible. For example, a pays B, B pays C, B may pay C before a pays B, and a may pay B at intervals, for example, minutes, hours, days, weeks, or months. For example, an international trade, a participating commercial bank takes 3 months to settle, so the trade time gap analyzed may be several months. The time and order of payment (or transaction) (i.e., the transaction order) is therefore not the most critical, but the payment and asset route is. But since most financial institutions are now reluctant to share data, even if (UI, UA) can be found within one financial institution, this is simply a list of (UI, UA) within that institution. If multiple finances can share data, at one financial institution's UI, the investors funds are actually from another financial institution, so if multiple financial institutions can share data, a more accurate (UI, UA) list can be determined. Thus, the (UI, UA) list would be a dynamically updated list, which may continue to expand based on existing data and analysis, and list data would expand indefinitely, however this would cause another problem: too much data, and most transactions are compliant, there is no need to discover either the UI or UA, resulting in extremely inefficient processing. It is therefore desirable to discover methods that only need to deal with smart discovery and handling (UI, UA), and not with garbage.
Many traditional regulatory technologies can discover and analyze transaction routes from transaction data, such as might be done by the strasa system. But these systems stay on the transaction route and do not find (UI, UA) lists on the intelligent transaction supervision of route perspectives. The intelligent transaction supervision rules and the operation modes of route perspective are complex and are in development, and some intelligent transaction supervision rules and operation modes also need to be built in supervision software and hardware in a merchant platform to automatically collect data. New technologies are therefore required to be developed to meet increasingly complex application scenarios.
Disclosure of Invention
The invention provides an intelligent transaction supervision method based on block link line perspective, which solves one or more technical problems of the prior art, wherein the intelligent transaction tracking method utilizes the advantage of internet connection capability, adopts a multipoint distributed algorithm, aims at the problems of more distribution points of building projects, untimely message transmission, uncontrollable logistics distribution, timely performance of suppliers, low settlement payment efficiency and the like, and breaks through the technical problems of multipoint network communication. The supplier inventory is known in real time, and the multidimensional data acquisition and real-time monitoring are realized, so that full-chain information tracking such as project intelligent order delivery, logistics distribution real-time monitoring, intelligent transaction message reminding, supplier evaluation, online multi-party cross-regional settlement, account payment and bank real-time sharing is realized.
The invention provides an intelligent transaction supervision method based on block chain line perspective, which is used for comprising the following steps:
s1, collecting transaction data from a transaction system, a transaction party information system, a transaction compliance judging system, a settlement system, a personal database system, an institution database system, a transaction history database system and/or an account database system;
s2, acquiring a (UI, UA) list based on the collected transaction data, wherein the (UI, UA) list represents a novel data structure of a (final investor, final investment asset) list;
s3, establishing a corresponding UIMA connection diagram based on the (UI, UA) list;
s4, determining possible final investors and possible final assets based on the UIMA connection graph, wherein the step S4 is implemented by using a perspective upward supervision (URC) module and a perspective downward supervision (DRC) module.
Preferably, the UI represents a potential final investor or institution, wherein the UI may be a collection or a single task or institution; if the set is the set, a series of people or mechanisms are stored in the set, the people or mechanisms in the set are ranked, the possibility of ranking the first is minimum, the possibility is gradually increased according to the ranking, and the possibility is the greatest at the last; UA represents a possible final asset, where UA may be a single asset or a collection of assets; if an asset is a collection, the assets within are ranked, with the top of the ranking having the greatest likelihood, the likelihood progressively decreasing according to the ranking, and the last of the ranking having the least likelihood.
Preferably, the likelihood in the UI and UA sets is expressed using probabilities greater than 0 and less than 1; in the UI set, the probability of the lowest probability of the top row is increased in sequence, and the probability of the top row is the highest probability; in the UA set, the probability is successively decreased with the highest probability and the lowest probability. The probability is determined by the intelligent transaction supervision analysis system of the route perspective according to the historical data, and can be dynamically adjusted.
Preferably, the calculation method of the (UI, UA) list includes: each (UI, UA) list is obtained according to a transaction route, and the transaction route is obtained according to the collected transaction information; adding each payer to the UI collection and each participating asset to the UA collection based on the transaction route; finally, the ranking in the UI set and the ranking in the UA set are respectively determined according to the sequence of the transaction routes.
Preferably, there are several problems for the investor: on a transaction route, an investor or institution may appear multiple times, each time the list (UI, UA) will be added with an identification of the number of occurrences.
Preferably, the UIUA connection graph comprises graph nodes and connecting lines; wherein:
the graph nodes are divided into 2 types:
(1) Inv-nodes, representing characters or institutions, if an investor appears more than twice, there is only one Inv-node;
(2) Asset-node representing an Asset;
the connections formed by the wires are divided into 3 types:
(1) Funds connection Invest-link: directionally connecting the Inv-node to another Inv-node to pay the second investor on behalf of the first investor;
(2) Purchase connection Purchase-link: directed connection of Inv-nodes to an Asset-node, representing that the previous investor purchased the subsequent Asset;
(3) Exchange-link is connected in a replacement way: directed to connecting one Asset-node to another Asset-node, a representative having a first investor pays a second investor for purchasing a first Asset represented by the first Asset-node and a second investor for purchasing a second Asset represented by the second Asset-node.
Preferably, the S4 includes:
s41, establishing a graph based on a first UIUA connection graph calculation method, wherein the method comprises the following steps: determining that each investor is an Inv-node and each Asset is an Asset-node based on a set (UI, UA) list; from the (UI, UA) list, the Inv-node with the highest probability is connected to the Asset-node with the highest probability in a directed manner;
s42, determining a cleaning transaction based on a second UIMA connection graph calculation method, comprising: starting from any Inv-node in the UIUA connection graph, using a routing algorithm if it is determined that only Invest-link is passed, the Inv-node can be returned to the starting Inv-node, indicating that a cleaning transaction scenario is possible;
s43, determining a potential final asset of an investor based on a third UIMA connection graph calculation method, comprising: in the UIUA connection diagram, starting from an investor Inv node, looking "forward" for possible assets according to the connection direction, the farther the distance, the less likely it is; wherein, the probability calculation method can be determined by practical application;
s44, determining a possible final investor in an asset based on a fourth UIMA connection graph calculation method, comprising: in the UIUA connection diagram, starting from an Asset-node Asset, the most likely investor is found from Purchase-link; then in the UIUA diagram, searching for a possible final investor "backwards" according to the connection direction through the Invest-link, the farther the distance, the less the possibility; wherein, the probability calculation method is determined by practical application;
s45, establishing an Exchange-link based on a fifth UIUA connection diagram calculation method, wherein the Exchange-link can be calculated in real time according to a UIUA diagram or from a (UI, UA) list, and comprises the following steps: 1) Starting a node-1 from an Asset start (Asset-node), and using Purchase-link reverse to find a direct investor; 2) Finding the next investor from the investor using Invest-link forward direction; 3) Finding a next node-2 of a next Asset (Asset-node) from a next investor through Purchase-link; 4) Connecting the departure node-1 and the next node-2 to form a new Exchange-link;5 starting from the next node-2, repeating S41-S44 to obtain a transaction route for the asset.
Preferably, the method further comprises:
s5, calculating probability data of (UI, UA) and calculating probability of a possible final investor and a possible final asset.
Preferably, in the UIUA diagram, an additional timestamp is also included on each connection.
Preferably, the S1 is implemented by a strasa system and a BDL (blockchain data lake) system, which belong to a supervision system developed in the prior art, and after collecting transaction information, data is stored in the BDL system and is subjected to transaction route analysis.
The invention has the beneficial effects that:
(1) A list of possible final investors (UI) can be found from the existing data: the present invention uses the (UI, UA) list and UIUA map to automatically find the possible final investors.
(2) As the data increases, the final investor's list may be updated: the invention uses transaction data and public information (such as business registration information), and other information is obtained through calculation; and the more data, the more accurate the analysis.
(3) A list of possible final assets (UA) can be found from the existing data: the present invention does not require institutions to disclose information that they are not willing to disclose, and therefore the resistance to deployment is minimal.
(4) As the data increases, the final asset list may be updated: the invention uses transaction data and public information (such as business registration information), and other information is obtained through calculation; and the more data, the more accurate the analysis.
(5) Associated investors and their investment and paylines can be found: this is based on the list of (UI, UA) and UIUA maps, from which investment roadmaps, including hidden investment roadmaps, can be derived.
(6) Can be automatically executed without the need for data collection hardware and software to be deployed within the merchant system: the invention does not need the data collecting hardware used in the intelligent transaction supervision of the present route perspective and can be obtained from the disclosed information. Mainly relies on big data intelligent analysis.
The above, as well as additional objectives, advantages, and features of the present invention will become apparent to those skilled in the art from the following detailed description of a specific embodiment of the present invention when read in conjunction with the accompanying drawings.
Drawings
Some specific embodiments of the invention will be described in detail hereinafter by way of example and not by way of limitation with reference to the accompanying drawings. The same reference numbers will be used throughout the drawings to refer to the same or like parts or portions. It will be appreciated by those skilled in the art that the drawings are not necessarily drawn to scale. The objects and features of the present invention will become more apparent in view of the following description taken in conjunction with the accompanying drawings in which:
FIG. 1 is a flow chart of an intelligent transaction policing method based on route perspective of a transaction route in accordance with a preferred embodiment of the present invention;
fig. 2 is a block diagram of an intelligent transaction supervision system based on the route perspective of a transaction route according to a preferred embodiment of the present invention.
Detailed Description
In order that the invention may be more readily understood, reference will now be made to the following description of the invention taken in conjunction with the accompanying drawings and examples. In the following description, numerous specific details and specific examples are set forth in order to provide a thorough understanding of the present invention and to provide a thorough and complete understanding of the present invention to those skilled in the art. While this invention is susceptible of embodiment in many other forms than those described herein, those skilled in the art will be able to make and use the invention without departing from the spirit of the invention, and therefore the invention is not limited by the specific examples and figures disclosed below.
In the following description, numerous specific details and specific examples are set forth in order to provide a thorough understanding of the present invention and to provide a thorough and complete understanding of the present invention to those skilled in the art. While this invention is susceptible of embodiment in many other forms than those described herein, those skilled in the art will be able to make and use the invention without departing from the spirit of the invention, and therefore the invention is not limited by the specific examples and figures disclosed below.
It should be noted that the embodiment of the present invention represents the relationship in a list of (final investors UI, final investment assets UA). UI is a shorthand for Ultimate Investor (final investor) and UA is a shorthand for the UI (final Asset). Once the (UI, UA) relationship is determined, the regulatory entity can make a determination as to whether the transaction is passable.
The intelligent trade supervision of the route perspective is focused on trade, including stock, futures, real estate, artwork, commodity trade and the like, namely registered trade. For example, stock exchanges, buyer and seller information can be found, and the information of the purchase and sale (price, transaction time, transaction place, payment mode, delivery mode) is also clear. No embedded collection software is required to be built into the merchant platform, but rather a list of possible (UI, UA) is obtained via a large collection of data and analysis (big data analysis and artificial intelligence analysis). Which are all information that has been disclosed or is available through normal channels. The securities market will reveal corporate stakeholder information, including the shares they own, and thus also information about the relevant person. For example, zhang San has stock of company ABC, but also has stock of company XYZ, and if the product of company ABC or the stockholder trades with XYZ, the relevant relevance information can be obtained. In further embodiments, the regulatory agency may require the merchant to provide data information such as tags and feature libraries, as well as algorithms used by the merchant. The provided algorithms, labels, feature information may also be used in embodiments of the present invention. The present invention does not require such information, however, and a list of (UI, UA) is available, since such information is also fully available via big data and artificial intelligence analysis, but the speed of intelligent transaction supervision with the provided algorithm, label, feature information can be route perspective is increased.
In summary, the intelligent transaction supervision method of route perspective comprises the following characteristics:
(1) A list of possible final investors (UI) can be found from the existing data;
(2) When the data increases, the final investor's list can be updated;
(3) A list of possible final assets (UA) can be found from the existing data;
(4) The final asset list may be updated as the data increases;
(5) Associated investors and their investment and payback routes can be found;
(6) Investment routes that they alone or in combination in the dark can be found from the relevant associates;
(7) Can be performed automatically without the need for data collection hardware and software to be deployed within the merchant system.
Referring to fig. 1, the present embodiment provides an intelligent transaction supervision method based on blockchain line perspective, including:
s1, collecting transaction data from a transaction system, a transaction party information system, a transaction compliance judging system, a settlement system, a personal database system, an institution database system, a transaction history database system and/or an account database system;
s2, acquiring a (UI, UA) list based on the collected transaction data, the (UI, UA) list representing a new data structure of a (final investor, final investment asset) list, wherein:
the UI represents a potential final investor (or institution) where the UI may be a collection or a single task or institution. If the set is the set, a series of people or mechanisms are stored in the set, the people or mechanisms in the set are ranked, the possibility of ranking the first is minimum, the possibility is gradually increased according to the ranking, and the possibility is the greatest at the last;
a UA represents a possible final asset, where a UA may be a single asset or a collection of assets. If the assets are a set, the assets inside are ranked, the top of the ranking has the largest likelihood, the likelihood gradually decreases according to the ranking, and the last of the ranking has the smallest likelihood;
example 1: (A, X) means that A gives an asset X.
Example 2 (A, (X, Y, Z)) represents that A is the largest possible asset X, the second possible asset Y, and the third possible asset Z.
Example 3 ((A, B, C), X) indicates that C has the greatest likelihood of being the final investor in asset X, and B has the second greatest likelihood of being the final investor, A being the least likelihood of being the final investor.
The likelihood in the UI and UA sets is represented using probabilities greater than 0 and less than 1. In the UI set, the probability is increased in sequence, and the probability is maximized at the end. Whereas in the UA set, the probability is successively decreasing with the greatest probability of being ranked first and the probability is smallest last. The probability is determined by the intelligent transaction supervision analysis system of the route perspective according to the historical data, and can be dynamically adjusted. The probability of the (UI, UA) set is optional and not mandatory.
Example 4: for example, the list of (UI, UA) is denoted (a, (X P1=0.8, yp2=0.4, zp3=0.2)), where P1, P2, P3 are all probabilities greater than 0 and less than 1, and P1 (0.8) > P2 (0.4) > P3 (0.2), indicating that a is the final investor with a probability of 0.8 being asset X, 0.4 being the final investor with a probability of Y, and 0.2 being the final investor with Z.
(UI, UA) list calculation method: each (UI, UA) list is obtained from a transaction route, for example, the transaction route is calculated using the strasa system or the like in the present embodiment. In this embodiment, according to the collected transaction information, a transaction route is obtained; adding each payer to the UI collection and each participating asset to the UA collection based on the transaction route; finally, the ranking in the UI set and the ranking in the UA set are respectively determined according to the sequence of the transaction routes.
Example 5: the following transaction information is included on one transaction route: client A pays B for asset X, B pays C for asset Y, C pays D for asset Z; obtaining a transaction path (A- > B- > C) based on the transaction information; (a, (X, Y, Z)), (B, (Y, Z)), (C, Z) 3 (UI, UA) lists are obtained based on the transaction path. A gets asset X, while asset Y and asset Z may be obtained through the transaction path; b gets asset Y, while asset Z may be obtained through the transaction path; c gets asset Z. Conversely, the final investor in asset Z may be: 1) C, performing operation; 2) Or via path B; 3) Or via path a; 4) Or a, B, C partner. The final investor in asset Y may be: 1) B, a step of preparing a composite material; 2) Or via path a; 3) Or a and B partner. The final investor in asset X may be a. And these relationships are all represented by 3 (UI, UA) lists.
As a preferred embodiment, problems occur for investors several times: on a transaction route, an investor or institution may appear multiple times, e.g., A pays B, B pays C, C pays A, A appears 2 times. The list of (UI, UA) will add the number of occurrences of the identity, e.g. a-1, a-2, each being investor a, but a occurring 2 times. On a transaction route, if an investor appears more than 2 times, there is a possibility of violation because of Wash transaction (Wash trade), which is a violation in many countries.
And S3, establishing a corresponding UIMA connection diagram based on the (UI, UA) list.
UIUA connection graph is a complex graph (Multi-graph) comprising graph nodes and links.
The graph nodes are divided into 2 types of nodes:
(1) Inv-nodes, representing characters or institutions, if an investor appears more than twice, there is only one Inv-node;
(2) Asset-node, representing an Asset.
The connections formed by the wires are divided into 3 types:
(1) Funds connection Invest-link: directed connection of an Inv-node to another Inv-node, representing payment from a front (first) investor to a rear (second) investor;
(2) Purchase connection Purchase-link: directed connection of Inv-nodes to an Asset-node, representing that the previous investor purchased the subsequent Asset;
(3) Exchange-link is connected in a replacement way: directed to connecting one Asset-node to another Asset-node, a representative has a first investor pays a second investor to purchase a first Asset (first Asset-node representative) and a second investor purchases a second Asset (second Asset-node representative).
For example, for a group (UI, UA) list, a corresponding UIUA graph is created in which all Inv-nodes represent all investors or investment institutions in the group and Asset-nodes represent all assets of the group. Invest-link and Purchase-link represent the flow of funds within the set of (UI, UA) lists and the flow of asset transitions.
Example 6: with continued reference to example 5, 3 listings are included in the group, with 4 investors A, B, C, D,3 assets X, Y, Z, thus forming 4 Inv-nodes (A-node, B-node, C-node, D-node), 3 Ass-nodes (X-node, Y-node, Z-node). And the following connections are made:
invest-link: a-node to B-node, B-node to C-node, C-node to D-node;
purchase-link: a-node to X-node, B-node to Y-node, C-node to Z-node;
exchange-link, X-node to Y-node, Y-node to Z-node.
S4, determining possible final investors and possible final assets based on UIUA connectivity graph, the step S4 being implemented using a perspective upward supervision (URC) module and a perspective downward supervision (DRC) module, comprising:
s41, establishing a graph based on a first UIUA connection graph calculation method, wherein the method comprises the following steps: determining that each investor is an Inv-node and each Asset is an Asset-node based on a set (UI, UA) list; from the (UI, UA) list, the Inv-node with the highest probability is connected to the Asset-node with the highest probability in a directed manner;
s42, determining a cleaning transaction based on a second UIMA connection graph calculation method, comprising: in the UIUA connection graph, starting from any Inv-node, using a routing algorithm (e.g., using Dijksgra shortest route algorithm (Dijkstra's shortest path algorithm) in this embodiment), if it is determined that only invite-link passes, the Inv-node can be returned to the starting, indicating that a clean transaction scenario is possible;
s43, determining a potential final asset of an investor based on a third UIMA connection graph calculation method, comprising: in the UIUA connection graph, starting from an investor (Inv-node), looking "forward" (according to the connection direction) for possible assets, the farther apart the distance, the less likely; the probability calculation method may be determined by practical application, for example, 1/4, 1/3, or 1/2 of the reduction of each time may be used; or for example, the direct citizen is 100%, decreasing by 1/3 each time, with 67% over one investor, 44% over 2 investors, 30% over 3 investors, and 18% over 4 investors;
s44, determining a possible final investor in an asset based on a fourth UIMA connection graph calculation method, comprising: in the UIUA connection graph, starting from an Asset (Asset-node), the most likely investor is found from Purchase-link; then in UIUA diagram, looking "backwards" (according to connection direction) through Invest-link to find possible final investors, the farther the distance, the less likely; the probability calculation method is determined by practical application, for example, 1/4 of the reduction, 1/3 of the reduction, or 1/2 of the reduction can be used. For example, the direct citizen is 100%, decreasing by 1/3 each time through one investor 67%, through 2 investors 44%, through 3 investors 30%, through 4 investors 18%;
s45, establishing an Exchange-link based on a fifth UIUA connection diagram calculation method, wherein the Exchange-link can be calculated in real time according to a UIUA diagram or from a (UI, UA) list, and comprises the following steps: 1) Starting from an Asset starting (Asset-node) starting node-1, finding a direct investor by using Purchase-link (reverse); 2) Finding the next investor from the investor using Invest-link forward direction; 3) Finding a next node-2 of a next Asset (Asset-node) from a next investor through Purchase-link; 4) Connecting the departure node-1 and the next node-2 to form a new Exchange-link;5 starting from the next node-2, repeating S41-S44 to obtain a transaction route for the asset.
As a preferred embodiment, further comprising:
s5, calculating probability data of (UI, UA) and calculating probability of a possible final investor and a possible final asset.
In the UIUA diagram, as a preferred embodiment, an additional time stamp is also included on each connection. For example, the Invest-link is the two-party transaction time, the Purchase-link is also the two-party transaction time, and the Exchange-link uses the last time (i.e. the second transaction time) due to the participation of two transactions. Invest-link and Purchase-link timestamps represent the time this transaction was completed, and Exchange-link represents the asset replacement time.
As a preferred embodiment, the S1 is implemented by a strasa system and a BDL (blockchain data lake) system, which belong to a supervisory system developed in the prior art, collect transaction information, store data in the BDL system, and can perform transaction route analysis. Of course, those skilled in the art will recognize that these systems may be replaced by other functionally similar systems.
Referring to fig. 2, the present embodiment further provides an intelligent transaction supervision system based on route perspective of a transaction route, including:
a transaction data collection module 101 for collecting transaction data from a transaction system, a transaction party information system, a transaction compliance determination system, a settlement system, a personal database system, an institution database system, a transaction history database system, and/or an account database system;
a (UI, UA) listing module 102 for obtaining a (UI, UA) listing based on the collected transaction data, the (UI, UA) listing representing a new data structure of a (final investor, final investment asset) listing;
a UIUA connection diagram forming module 103, configured to establish a corresponding UIUA connection diagram based on a (UI, UA) list, where the UIUA connection diagram is a complex diagram, and includes diagram nodes and connections; and
an intelligent transaction policing module 104 for route perspective for determining possible final investors and possible final assets based on UIUA connectivity diagrams, implemented using URC and DRC modules.
As a preferred embodiment, further comprising:
and the probability module is used for calculating the probability of a possible final investor and a possible final asset when the (UI, UA) has probability data.
A third aspect of the present invention provides an integrated transaction system, including the intelligent transaction supervision system based on route perspective of a transaction route according to the second aspect, including:
a trading system for trading, including, for example, securities trading, futures trading, commodity trading; the transaction system is only responsible for engaging in transactions and transmits transaction related information, such as transaction date, transaction time, transaction product information, transaction party information and transaction agent information (such as a dealer) to the intelligent transaction supervisor system based on the route perspective of the transaction route;
a personal database system for collecting, analyzing, storing personal information and credit information, and referencing and querying a transaction history database, wherein the personal database system may use any type of database system or blockchain system, wherein the personal information includes personal history bad transaction information including transaction products of personal history bad transactions, transaction dates, breach information, participants and institutions;
an institution database system for collecting, analyzing, storing institution information and related information including important person information within an institution, such as board member information, while important person information colleagues are also stored within the personal data system; the institution information also stores institution history bad transaction information, including transaction products of institution bad transactions, transaction dates, default information, participants and institutions;
the transaction party information system is used for verifying the identity of an individual and determining and externally reporting whether the individual or the institution participating in the transaction is real or not;
a transaction compliance determination system for querying whether a transaction is compliance and determining whether the transaction is passed or rejected based on the query result; of course, under general conditions, the transaction system, the settlement system and the banking system can all conduct transaction compliance judgment work; if the transaction is compliant, the transaction compliance determination system will pass the transaction, and if not, reject the transaction;
the settlement system is used for system settlement, and generally performs settlement operation through a financial institution or a bank;
the transaction history database system is used for storing transaction information and is a database or a blockchain system;
an account database system: the system is responsible for storing account information of all participating institutions, including transaction information related to one account;
a strasa and BDL (blockchain data lake) system for collecting transaction information from all participating exchanges, including transaction party information, transaction compliance decisions, calculating transaction routes, storing related transaction information, and storing to the BDL;
a perspective upward supervision (URC) module for determining a likely final investor in an asset based on a fourth UIUA connection diagram calculation method based on analysis of the personal database system, the institution database system and the transaction history database system;
a perspective downward supervision (DRC) module for discovering actual investment assets from the personal database system, the institution database system, and the transaction history database system analysis and determining a potential final asset for an investor based on a third UIUA connection diagram calculation method;
the UIUA database is used for storing (UI, UA) lists and establishing corresponding UIUA connection diagrams for a group of (UI, UA) lists.
While the present invention has been described with reference to the particular illustrative embodiments, it is not to be restricted by the embodiments but only by the appended claims. It will be appreciated by those skilled in the art that changes and modifications may be made to the embodiments of the invention without departing from the scope and spirit thereof.
Claims (10)
1. An intelligent transaction supervision method based on block link line perspective is characterized by comprising the following steps:
s1, collecting transaction data from a transaction system, a transaction party information system, a transaction compliance judging system, a settlement system, a personal database system, an institution database system, a transaction history database system and/or an account database system;
s2, acquiring a (UI, UA) list based on the collected transaction data, wherein the (UI, UA) list represents a novel data structure of a (final investor, final investment asset) list;
s3, establishing a corresponding UIMA connection diagram based on the (UI, UA) list;
s4, determining possible final investors and possible final assets based on the UIMA connection graph, wherein the step S4 is implemented by using a perspective upward supervision (URC) module and a perspective downward supervision (DRC) module.
2. The intelligent transaction monitoring method based on block link line perspective according to claim 1, wherein the UI represents a possible final investor or institution, wherein the UI may be a set or a single task or institution; if the set is the set, a series of people or mechanisms are stored in the set, the people or mechanisms in the set are ranked, the possibility of ranking the first is minimum, the possibility is gradually increased according to the ranking, and the possibility is the greatest at the last; UA represents a possible final asset, where UA may be a single asset or a collection of assets; if an asset is a collection, the assets within are ranked, with the top of the ranking having the greatest likelihood, the likelihood progressively decreasing according to the ranking, and the last of the ranking having the least likelihood.
3. The intelligent transaction policing method based on block link line perspective of claim 2, wherein the likelihoods in the UI and UA sets are represented using probabilities greater than 0 and less than 1; in the UI set, the probability of the lowest probability of the top row is increased in sequence, and the probability of the top row is the highest probability; in the UA set, the probability is sequentially decreased and the probability is finally decreased, wherein the probability is the highest in the front row and the probability is the lowest in the last row; the probability is determined by the perspective supervision and analysis system according to the historical data and can be dynamically adjusted.
4. The intelligent transaction policing method based on block link line perspective according to claim 3, wherein the computing method of the (UI, UA) list comprises: each (UI, UA) list is obtained according to a transaction route, and the transaction route is obtained according to the collected transaction information; adding each payer to the UI collection and each participating asset to the UA collection based on the transaction route; finally, the ranking in the UI set and the ranking in the UA set are respectively determined according to the sequence of the transaction routes.
5. The intelligent transaction monitoring method based on block link line perspective of claim 4, wherein the problem occurs for investors a plurality of times: on a transaction route, an investor or institution may appear multiple times, each time the list (UI, UA) will be added with an identification of the number of occurrences.
6. The intelligent transaction supervision method based on block link line perspective according to claim 5, wherein the UIUA connection graph comprises graph nodes and connection lines; wherein:
the graph nodes are divided into 2 types:
(1) Inv-nodes, representing characters or institutions, if an investor appears more than twice, there is only one Inv-node;
(2) Asset-node representing an Asset;
the connections formed by the wires are divided into 3 types:
(1) Funds connection Invest-link: directionally connecting the Inv-node to another Inv-node to pay the second investor on behalf of the first investor;
(2) Purchase connection Purchase-link: directed connection of Inv-nodes to an Asset-node, representing that the previous investor purchased the subsequent Asset;
(3) Exchange-link is connected in a replacement way: directed to connecting one Asset-node to another Asset-node, a representative having a first investor pays a second investor for purchasing a first Asset represented by the first Asset-node and a second investor for purchasing a second Asset represented by the second Asset-node.
7. The intelligent transaction supervision method based on block link line perspective according to claim 6, wherein S4 comprises:
s41, establishing a graph based on a first UIUA connection graph calculation method, wherein the method comprises the following steps: determining that each investor is an Inv-node and each Asset is an Asset-node based on a set (UI, UA) list; from the (UI, UA) list, the Inv-node with the highest probability is connected to the Asset-node with the highest probability in a directed manner;
s42, determining a cleaning transaction based on a second UIMA connection graph calculation method, comprising: starting from any Inv-node in the UIUA connection graph, using a routing algorithm if it is determined that only Invest-link is passed, the Inv-node can be returned to the starting Inv-node, indicating that a cleaning transaction scenario is possible;
s43, determining a potential final asset of an investor based on a third UIMA connection graph calculation method, comprising: in the UIUA connection diagram, starting from an investor Inv node, the potential for obtaining assets is looked forward according to the connection direction, the farther the distance, the less the potential; wherein, the probability calculation method can be determined by practical application;
s44, determining a possible final investor in an asset based on a fourth UIMA connection graph calculation method, comprising: in the UIUA connection diagram, starting from an Asset-node Asset, the most likely investor is found from Purchase-link; then in the UIUA diagram, searching for a possible final investor backwards according to the connection direction through the Invest-link, wherein the farther the distance is, the smaller the possibility is; wherein, the probability calculation method is determined by practical application;
s45, establishing an Exchange-link based on a fifth UIUA connection diagram calculation method, wherein the Exchange-link can be calculated in real time according to a UIUA diagram or from a (UI, UA) list, and comprises the following steps: 1) Starting from an Asset node, wherein the starting node is-1, and finding a direct investor by using Purchase-link reverse; 2) Finding the next investor from the investor using Invest-link forward direction; 3) Finding a next Asset-node from a next investor through Purchase-link, wherein the next Asset-node is-2; 4) Connecting the departure node-1 and the next node-2 to form a new Exchange-link; 5) From the next node-2, S41-S44 are repeated to obtain a transaction route for the asset.
8. The intelligent transaction monitoring method based on block link line perspective of claim 7, further comprising:
s5, calculating probability data of (UI, UA) and calculating probability of a possible final investor and a possible final asset.
9. The intelligent transaction policing method based on block link line perspective of claim 8 further comprising an additional timestamp on each connection in the UIUA diagram.
10. The intelligent transaction supervision method based on block link line perspective according to claim 9, wherein the S1 is implemented by a strasa system and a block chain data lake BDL system, the strasa system and the BDL system belong to supervision systems developed in the prior art, and after collecting transaction information, data is stored in the BDL system and is subjected to transaction route analysis.
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| CN116071163A (en) * | 2023-03-07 | 2023-05-05 | 北京天德科技有限公司 | Penetration type supervision system based on transaction route |
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