CN116777621B - Trade business risk prevention and control method and prevention and control system thereof - Google Patents
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Abstract
The invention discloses a trade business risk prevention and control method and a prevention and control system thereof, which belong to the technical field of risk prevention and control, and solve the problems that an acquisition unit of the existing risk assessment system cannot perform primary screening on massive original data, so that node data with larger risk cannot be uploaded to a server, and the timeliness of risk prevention and control is poor, and the method comprises the following steps: acquiring trade business associated data acquired by a business end in real time, identifying characteristic information in the trade business associated data, and generating a priority processing queue; processing a risk level corresponding to the request based on the business risk classification model; triggering a risk early-warning service tracking instruction to acquire a trade service risk control result corresponding to a risk early-warning processing scheme; the method and the system can preprocess and determine the priority of massive real-time data acquired by the service end, so that the increase of service risk caused by the fact that data with high risk priority cannot be timely conducted is avoided, and the trade service risk and the load of a prevention and control system are reduced.
Description
Technical Field
The invention belongs to the technical field of risk prevention and control, and particularly relates to a trade business risk prevention and control method and a prevention and control system thereof.
Background
With the development of computer technology, more and more trade businesses rely on internet technology to provide online business services, and in order to reduce the occurrence of trade risk events or reduce the loss caused by the occurrence of risk events, each trade business system needs to perform risk control.
At present, most of risk early warning management whole processes of trade business are processes of filling early warning information in a system and reporting auditing, the processes are simpler, meanwhile, auditing and sealing are too dependent on subjective experience of business personnel, meanwhile, chinese patent CN114580857A discloses an external trade risk assessment system which comprises a central processing unit, an input end of the central processing unit is electrically connected with an acquisition unit, an input end of the acquisition unit is electrically connected with a big data acquisition system, an input end of the central processing unit is electrically connected with an assessment unit in a bidirectional manner, and an input end of the central processing unit is electrically connected with a control center in a bidirectional manner; however, the acquisition unit of the existing risk assessment system cannot perform primary screening on massive original data, so that node data with large risk cannot be uploaded to a server, and the risk prevention and control timeliness is poor.
Disclosure of Invention
The invention aims to overcome the defects of the prior art, provides a trade business risk prevention and control method and a prevention and control system thereof, and solves the problems that an acquisition unit of the existing risk assessment system cannot perform primary screening on massive original data, so that node data with larger risk cannot be uploaded to a server, and the risk prevention and control timeliness is poor.
The invention is realized in such a way that a trade business risk prevention and control method comprises the following steps:
acquiring trade business related data collected by a business end in real time, wherein the trade business related data comprises trade participation company information, trade related contract information, trade product information, trade deadline information and trade logistics information;
identifying characteristic information in the trade business associated data, acquiring a preset priority processing strategy, processing the characteristic information in the trade business associated data based on the priority processing strategy, and generating a priority processing queue;
acquiring a priority processing queue, receiving a business risk prevention and control request, and processing a risk grade corresponding to the request based on a business risk grading model;
and calling a risk early-warning model, generating a risk early-warning processing scheme based on the risk early-warning model, triggering a risk early-warning service tracking instruction, and obtaining a trade service risk control result corresponding to the risk early-warning processing scheme.
Preferably, the method for acquiring the trade business association data acquired by the business end in real time specifically includes:
determining risk prevention and control points corresponding to trade business scenes;
acquiring real-time service associated data corresponding to the risk prevention and control points based on a preset period;
and the data reporting module is called for carrying out classification processing on the real-time service associated data, and uploading the classified real-time service associated data to the data reporting module.
Preferably, the method for acquiring the trade business association data acquired by the business end in real time specifically further comprises the following steps:
and analyzing the classified real-time business associated data based on a data reporting module to obtain a real-time business associated text vector, wherein the real-time business associated text vector contains trade business characteristic information.
Preferably, before the acquiring the preset priority processing policy, the method further includes:
creating a preset characteristic information priority processing strategy;
the method for creating the preset characteristic information priority processing strategy specifically comprises the following steps:
acquiring standard trade business characteristic information;
and calling a pre-trained priority processing model, and analyzing the standard trade business characteristic information to obtain an initial standard priority queue.
Preferably, the method for creating the preset feature information priority processing policy specifically further includes:
extracting an initial standard priority queue, constructing a plurality of groups of independent priority matrixes through a pre-trained priority processing model, and performing product exchange on the priority matrixes and the initial standard priority queue to obtain a highest priority characteristic matrix and a lowest priority characteristic matrix;
combining the highest priority feature matrix and the lowest priority feature matrix, combining an initial standard priority queue, using a loss function of a multi-criterion cross entropy construction rule, and training a priority processing model for a plurality of times based on the loss function of the multi-criterion cross entropy construction rule to obtain a preset feature information priority processing strategy.
Preferably, the method for processing the risk level corresponding to the request based on the business risk classification model specifically includes:
identifying a priority processing queue;
invoking a business risk classification model, and obtaining a risk vector of each feature point in the priority processing queue based on convolution processing and a risk classification mechanism;
and weighting and summing the associated trade business based on the risk vectors of the feature points to obtain the risk level corresponding to the trade business.
Preferably, the method for calling a risk early-warning model and generating a risk early-warning processing scheme based on the risk early-warning model specifically includes:
a multi-level risk early warning sub-model is called;
and extracting a priority processing queue, and carrying out trade business early warning analysis on characteristic points in the priority processing queue based on the risk early warning sub-model.
Preferably, the method for generating the risk early-warning processing scheme based on the risk early-warning model specifically further comprises the following steps:
acquiring a trade business early warning analysis result, analyzing the analysis result, and extracting each influence factor in the trade business early warning analysis result;
and generating a risk early-warning processing path corresponding to each influence factor based on the risk early-warning sub-model, and converting the risk early-warning processing path into a risk early-warning processing scheme.
A trade business risk prevention and control system based on the trade business risk prevention and control method, the trade business risk prevention and control system specifically comprises:
the business end is used for acquiring collected trade business associated data in real time, wherein the trade business associated data comprises trade participation company information, trade associated contract information, trade product information, trade deadline information and trade logistics information;
the characteristic information identification module is used for identifying characteristic information in the trade business associated data, acquiring a preset priority processing strategy, processing the characteristic information in the trade business associated data based on the priority processing strategy and generating a priority processing queue;
the risk level determining module is used for acquiring a priority processing queue, receiving a business risk prevention and control request and processing a risk level corresponding to the request based on a business risk grading model;
and the business risk disposal module is used for calling a risk early warning model, generating a risk early warning processing scheme based on the risk early warning model, triggering a risk early warning business tracking instruction and acquiring a trade business risk control result corresponding to the risk early warning processing scheme.
Preferably, the service end includes:
the prevention and control point determining unit is used for determining risk prevention and control points corresponding to trade business scenes;
the associated data acquisition unit acquires real-time service associated data corresponding to the risk prevention and control points based on a preset period;
the data uploading unit is used for calling the data reporting module, classifying the real-time service related data, and uploading the classified real-time service related data to the data reporting module.
Compared with the prior art, the embodiment of the application has the following main beneficial effects:
according to the method and the device, the preset priority processing strategy is established, the characteristic information in the trade business associated data is processed based on the priority processing strategy, the priority processing queue is generated, and massive real-time data collected by the business end can be preprocessed and the priority determined, so that the situation that business risks are increased due to the fact that data with high risk priority cannot be timely conducted is avoided, and the trade business risks and loads of a prevention and control system are reduced.
Drawings
Fig. 1 is a schematic diagram of an implementation flow of a trade business risk prevention and control method provided by the invention.
Fig. 2 shows a schematic implementation flow chart of a method for acquiring trade business association data collected by a business end in real time.
Fig. 3 is a schematic flow chart of an implementation of the method for creating the preset feature information priority processing policy.
Fig. 4 shows a schematic implementation flow diagram of a risk classification method corresponding to a processing request based on a business risk classification model.
Fig. 5 is a schematic implementation flow diagram of a method for calling a risk early-warning model and generating a risk early-warning processing scheme based on the risk early-warning model.
Fig. 6 is a schematic structural diagram of a risk prevention and control system for trade business provided by the invention.
Fig. 7 is a schematic structural diagram of a service end provided by the present invention.
Detailed Description
Unless defined otherwise, all technical and scientific terms used herein have the same meaning as commonly understood by one of ordinary skill in the art to which this application belongs; the terminology used in the description of the applications herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the application; the terms "comprising" and "having" and any variations thereof in the description and claims of the present application and in the description of the figures above are intended to cover non-exclusive inclusions. The terms first, second and the like in the description and in the claims or in the above-described figures, are used for distinguishing between different objects and not necessarily for describing a sequential or chronological order.
Reference herein to "an embodiment" means that a particular feature, structure, or characteristic described in connection with the embodiment may be included in at least one embodiment of the present application. The appearances of such phrases in various places in the specification are not necessarily all referring to the same embodiment, nor are separate or alternative embodiments mutually exclusive of other embodiments. Those of skill in the art will explicitly and implicitly appreciate that the embodiments described herein may be combined with other embodiments.
The acquisition unit of the existing risk assessment system cannot perform primary screening on massive original data, so that node data with larger risk cannot be uploaded to a server, and the risk prevention and control timeliness is poor. Acquiring trade business associated data acquired by a business end in real time, identifying characteristic information in the trade business associated data, and generating a priority processing queue; processing a risk level corresponding to the request based on the business risk classification model; and triggering a risk early-warning service tracking instruction to acquire a trade service risk control result corresponding to the risk early-warning processing scheme. According to the method and the device, the preset priority processing strategy is established, the characteristic information in the trade business associated data is processed based on the priority processing strategy, the priority processing queue is generated, and massive real-time data collected by the business end can be preprocessed and the priority determined, so that the situation that business risks are increased due to the fact that data with high risk priority cannot be timely conducted is avoided, and the trade business risks and loads of a prevention and control system are reduced.
The embodiment of the invention provides a trade business risk prevention and control method, which is shown in fig. 1 and is an implementation flow diagram of the trade business risk prevention and control method, and specifically comprises the following steps:
step S10, acquiring trade business associated data collected by a business end in real time, wherein the trade business associated data comprises trade participation company information, trade associated contract information, trade product information, trade deadline information and trade logistics information;
step S20, identifying characteristic information in the trade business associated data, acquiring a preset priority processing strategy, processing the characteristic information in the trade business associated data based on the priority processing strategy, and generating a priority processing queue;
step S30, a priority processing queue is obtained, a business risk prevention and control request is received, and a risk level corresponding to the request is processed based on a business risk classification model;
and S40, calling a risk early-warning model, generating a risk early-warning processing scheme based on the risk early-warning model, triggering a risk early-warning service tracking instruction, and obtaining a trade service risk control result corresponding to the risk early-warning processing scheme.
It should be noted that, the trade business related data includes, but is not limited to, trade participating company information, trade related contract information, trade product information, trade deadline information and trade logistics information, where the trade participating company information may be public or not, the unpublished trade participating company information may be estimated and predicted by a back-push algorithm, if the trade information of the first company is public, the business information of the second company related to the trade business of the first company is unpublished, and the trade information of a single group or multiple groups of goods in the last three months, six months and one year of the first company may be estimated to obtain the goods trade information corresponding to the second company related to the first company.
The hash algorithm has the advantages of simple operation, short preprocessing time, low memory consumption, faster matching and searching speed and convenience in maintenance and refreshing.
According to the method and the device, the preset priority processing strategy is established, the characteristic information in the trade business associated data is processed based on the priority processing strategy, the priority processing queue is generated, and massive real-time data collected by the business end can be preprocessed and the priority determined, so that the situation that business risks are increased due to the fact that data with high risk priority cannot be timely conducted is avoided, and the trade business risks and loads of a prevention and control system are reduced.
The embodiment of the invention provides a method for acquiring trade business associated data acquired by a business end in real time, which is shown in fig. 2, and shows an implementation flow diagram of the method for acquiring trade business associated data acquired by the business end in real time, wherein the method for acquiring trade business associated data acquired by the business end in real time specifically comprises the following steps:
step S101, determining risk prevention and control points corresponding to trade business scenes;
step S102, acquiring real-time service related data of corresponding risk prevention and control points based on a preset period;
step S103, a data reporting module is called, real-time service related data are classified, and the classified real-time service related data are uploaded to the data reporting module.
Step S104, analyzing the classified real-time business association data based on a data reporting module to obtain a real-time business association text vector, wherein the real-time business association text vector contains trade business feature information.
In this embodiment, it should be noted that, the risk prevention and control point may be determined according to the trade business logic, in general, the nodes between multiple sub-businesses of different stages or each group of businesses are determined as the risk prevention and control point, and at the same time, when the risk prevention and control point is created by the business association personnel, the risk prevention and control point corresponding to each business scenario may be determined.
Furthermore, it should be noted that when acquiring real-time service related data corresponding to the risk prevention and control points based on the preset period, the time of the preset period may be 1h, 2h, and 4h, and the data acquisition periods corresponding to different risk prevention and control points are considered to be different, so that the preset periods are different.
Meanwhile, in order to ensure the processing accuracy of the priority processing policy, before the preset priority processing policy is obtained, creating a preset feature information priority processing policy, as shown in fig. 3, an implementation flow diagram of a method for creating the preset feature information priority processing policy is shown, where the method for creating the preset feature information priority processing policy specifically includes:
step S201, obtaining standard trade business characteristic information;
step S202, a pre-trained priority processing model is called, and the standard trade business characteristic information is analyzed to obtain an initial standard priority queue.
Step S203, extracting an initial standard priority queue, constructing a plurality of groups of independent priority matrixes through a pre-trained priority processing model, and performing product exchange on the priority matrixes and the initial standard priority queue to obtain a highest priority feature matrix and a lowest priority feature matrix;
and step S204, combining the highest priority feature matrix and the lowest priority feature matrix, combining an initial standard priority queue, using a loss function of a multi-criterion cross entropy construction rule, and training a priority processing model for a plurality of times based on the loss function of the multi-criterion cross entropy construction rule to obtain a preset feature information priority processing strategy.
In this embodiment, the loss function of the multi-criterion cross entropy construction rule is a cross entropy function with multiple groups of balance parameters, the cross entropy function constructs a machine learning classification model frame for the loss function, multiple groups of balance parameters in the cross entropy function are trained to obtain a balanced machine learning classification model, and the training priority processing model is based on the machine learning classification model.
The embodiment of the invention provides a method for processing a risk level corresponding to a request based on a business risk classification model, as shown in fig. 4, which shows a schematic implementation flow chart of the method for processing the risk level corresponding to the request based on the business risk classification model, wherein the method for processing the risk level corresponding to the request based on the business risk classification model specifically comprises the following steps:
step S301, identifying a priority processing queue;
step S302, a business risk classification model is called, and a risk vector of each feature point in a priority processing queue is obtained based on convolution processing and a risk classification mechanism;
and step S303, weighting and summing the associated trade business based on the risk vectors of the feature points to obtain the risk level corresponding to the trade business.
In this embodiment, the convolution processing of the business risk classification model may be implemented by a convolutional neural network (convolutional neural networks, CNN), that is, the feature extraction network may be based on CNN.
The embodiment of the invention provides a method for calling a risk early-warning model and generating a risk early-warning processing scheme based on the risk early-warning model, as shown in fig. 5, the method for calling the risk early-warning model and generating the risk early-warning processing scheme based on the risk early-warning model is shown, and the method for calling the risk early-warning model and generating the risk early-warning processing scheme based on the risk early-warning model specifically comprises the following steps:
step S401, a multi-level risk early warning sub-model is called;
and step S402, extracting a priority processing queue, and carrying out trade business early warning analysis on feature points in the priority processing queue based on the risk early warning sub-model.
Step S403, acquiring a trade business early warning analysis result, analyzing the analysis result, and extracting each influence factor in the trade business early warning analysis result;
and step S404, generating risk early-warning processing paths corresponding to the influence factors based on the risk early-warning sub-model, and converting the risk early-warning processing paths into a risk early-warning processing scheme.
In this embodiment, each influencing factor in the trade business early warning analysis result is extracted as a self-supervised learning analysis task, where self-supervised learning is a process of adjusting parameters of a classifier by using a set of samples of known types to achieve required performance, which is also referred to as supervised training learning.
The embodiment of the invention provides a trade business risk prevention and control system, which is shown in fig. 6, and is a schematic structural diagram of the trade business risk prevention and control system, and specifically comprises the following components:
the service side 100 is configured to acquire collected trade service association data in real time, where the trade service association data includes trade participating company information, trade association contract information, trade product information, trade deadline information, and trade logistics information;
the feature information identifying module 200 is configured to identify feature information in the trade service association data, obtain a preset priority processing policy, process the feature information in the trade service association data based on the priority processing policy, and generate a priority processing queue;
the risk level determining module 300 is configured to obtain a priority processing queue, receive a service risk prevention and control request, and process a risk level corresponding to the request based on a service risk classification model;
the business risk handling module 400 invokes a risk early warning model, generates a risk early warning processing scheme based on the risk early warning model, triggers a risk early warning business tracking instruction and acquires a trade business risk control result corresponding to the risk early warning processing scheme.
Meanwhile, in the present application, the service end 100, the feature information identification module 200, the risk level determination module 300 and the service risk handling module 400 may implement data interaction in a 5G communication or DTU communication manner, and the service end 100 and the feature information identification module 200 are connected in a one-to-n manner.
In this embodiment, the present application processes the characteristic information in the trade service association data based on the preset priority processing policy by establishing the preset priority processing policy, so as to generate a priority processing queue, and can perform preprocessing and priority determination on massive real-time data collected by the service end, thereby avoiding service risk increase caused by that data with high risk priority cannot be timely conducted, and reducing the trade service risk and the load of the prevention and control system.
The embodiment of the present invention provides a service end 100, as shown in fig. 7, which shows a schematic structural diagram of the service end 100, where the service end 100 specifically includes:
a prevention and control point determining unit 110, configured to determine a risk prevention and control point corresponding to a trade business scenario;
the associated data obtaining unit 120 obtains real-time service associated data corresponding to the risk prevention and control points based on a preset period;
the data uploading unit 130 is configured to invoke the data reporting module, classify the real-time service related data, and upload the classified real-time service related data to the data reporting module.
In this embodiment, the prevention and control point determining unit 110, the associated data obtaining unit 120, and the data uploading unit 130 implement data interaction through ethernet, and the prevention and control point determining unit 110 determines corresponding prevention and control points based on trade service behaviors, which may be, for example, a service data transmission node, an information registration node, a transfer node, and a payment node.
In another aspect of the embodiments of the present invention, there is also provided a computer-readable storage medium, wherein the computer-readable storage medium stores computer program instructions executable by a processor. Which when executed, performs the method of any of the embodiments described above.
In another aspect of the embodiments of the present invention, there is also provided a computer device including a memory and a processor, the memory storing a computer program that when executed by the processor implements the method of any of the embodiments described above.
It should be noted that, the memory may be used as a non-volatile computer readable storage medium, and may be used to store a non-volatile software program, a non-volatile computer executable program, and a module, such as a program instruction/module corresponding to the trade business risk prevention and control method in the embodiment of the present application. The memory may include a memory program area and a memory data area, wherein the memory program area may store an operating system, at least one application program required for a function; the storage data area may store data created by the use of the trade business risk prevention and control method, etc. In addition, the memory may include high-speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other non-volatile solid-state storage device. In some embodiments, the memory optionally includes memory remotely located relative to the processor, the remote memory being connectable to the local module through a network. Examples of such networks include, but are not limited to, the internet, intranets, local area networks, mobile communication networks, and combinations thereof.
The processor executes various functional applications and data processing of the server by running non-volatile software programs, instructions and modules stored in the memory, namely, the trade business risk prevention and control method of the method embodiment is realized.
Finally, it should be noted that the computer-readable storage media (e.g., memory) herein can be either volatile memory or nonvolatile memory, or can include both volatile and nonvolatile memory. By way of example, and not limitation, nonvolatile memory can include Read Only Memory (ROM), programmable ROM (PROM), electrically Programmable ROM (EPROM), electrically Erasable Programmable ROM (EEPROM), or flash memory. Volatile memory can include Random Access Memory (RAM), which acts as external cache memory. By way of example and not limitation, RA may be available in a variety of forms such as synchronous RAM (DRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), double data rate SDRAM (DDR SDRAM), enhanced SDRAM (ESDRAM), synchronous Link DRAM (SLDRAM), and Direct Rambus RAM (DRRAM). The storage devices of the disclosed aspects are intended to comprise, without being limited to, these and other suitable types of memory.
The various illustrative logical blocks, modules, and circuits described in connection with the disclosure herein may be implemented or performed with the following components designed to perform the functions herein: a general purpose processor, a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), a Field Programmable Gate Array (FPGA) or other programmable logic device, discrete gate or transistor logic, discrete hardware components, or any combination thereof. A general purpose processor may be a microprocessor, but in the alternative, the processor may be any conventional processor, controller, microcontroller, or state machine. A processor may also be implemented as a combination of computing devices, e.g., a combination of a DSP and a microprocessor, a plurality of microprocessors, one or more microprocessors in conjunction with a DSP and/or any other such configuration.
In summary, the present invention provides a method and a system for preventing and controlling risk of trade business, which are used for creating a preset priority processing policy, processing characteristic information in related data of trade business based on the priority processing policy, generating a priority processing queue, and performing preprocessing and priority determination on massive real-time data collected by a business end, so as to avoid service risk increase caused by untimely up-conduction of data with high risk priority, and reduce the risk of trade business and the load of a prevention and control system.
It should be noted that, for simplicity of description, the foregoing embodiments are all illustrated as a series of acts, but it should be understood by those skilled in the art that the present invention is not limited by the order of acts, as some steps may be performed in other order or concurrently in accordance with the present invention. Further, those skilled in the art will also appreciate that the embodiments described in the specification are all preferred embodiments, and that the acts and modules referred to are not necessarily required for the present invention.
In the several embodiments provided in the present application, it should be understood that the disclosed apparatus may be implemented in other manners. For example, the above-described apparatus embodiments are merely illustrative, such as the above-described division of units, merely a division of logic functions, and there may be additional manners of dividing in actual implementation, such as multiple units or components may be combined or integrated into another system, or some features may be omitted, or not performed. Alternatively, the coupling or communication connection shown or discussed as being between each other may be an indirect coupling or communication connection between devices or elements via some interfaces, which may be in the form of telecommunications or otherwise.
The units described above as separate components may or may not be physically separate, and components shown as units may or may not be physical units, may be located in one place, or may be distributed over a plurality of network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.
The above embodiments are only for illustrating the technical solution of the present invention, and not for limiting the scope of the present invention. It will be apparent that the described embodiments are merely some, but not all, embodiments of the invention. Based on these embodiments, all other embodiments that may be obtained by one of ordinary skill in the art without inventive effort are within the scope of the invention. Although the present invention has been described in detail with reference to the above embodiments, those skilled in the art may still combine, add or delete features of the embodiments of the present invention or make other adjustments according to circumstances without any conflict, so as to obtain different technical solutions without substantially departing from the spirit of the present invention, which also falls within the scope of the present invention.
Claims (8)
1. A method for controlling risk of trade business, which is characterized by comprising the following steps:
acquiring trade business related data collected by a business end in real time, wherein the trade business related data comprises trade participation company information, trade related contract information, trade product information, trade deadline information and trade logistics information;
identifying characteristic information in the trade business associated data, acquiring a preset priority processing strategy, processing the characteristic information in the trade business associated data based on the priority processing strategy, and generating a priority processing queue;
acquiring a priority processing queue, receiving a business risk prevention and control request, and processing a risk grade corresponding to the request based on a business risk grading model;
invoking a risk early-warning model, generating a risk early-warning processing scheme based on the risk early-warning model, triggering a risk early-warning service tracking instruction, and acquiring a trade service risk control result corresponding to the risk early-warning processing scheme;
before the preset priority processing strategy is obtained, the method further comprises the following steps:
creating a preset characteristic information priority processing strategy;
the method for creating the preset characteristic information priority processing strategy specifically comprises the following steps:
acquiring standard trade business characteristic information;
invoking a pre-trained priority processing model, and analyzing the standard trade business characteristic information to obtain an initial standard priority queue;
the method for creating the preset characteristic information priority processing strategy specifically further comprises the following steps:
extracting an initial standard priority queue, constructing a plurality of groups of independent priority matrixes through a pre-trained priority processing model, and performing product exchange on the priority matrixes and the initial standard priority queue to obtain a highest priority characteristic matrix and a lowest priority characteristic matrix;
combining the highest priority feature matrix and the lowest priority feature matrix, combining an initial standard priority queue, using a loss function of a multi-criterion cross entropy construction rule, and training a priority processing model for a plurality of times based on the loss function of the multi-criterion cross entropy construction rule to obtain a preset feature information priority processing strategy.
2. The trade business risk prevention and control method of claim 1, wherein: the method for acquiring the trade business associated data acquired by the business end in real time specifically comprises the following steps:
determining risk prevention and control points corresponding to trade business scenes;
acquiring real-time service associated data corresponding to the risk prevention and control points based on a preset period;
and the data reporting module is called for carrying out classification processing on the real-time service associated data, and uploading the classified real-time service associated data to the data reporting module.
3. The trade business risk prevention and control method of claim 2, wherein: the method for acquiring the trade business associated data acquired by the business end in real time specifically further comprises the following steps:
and analyzing the classified real-time service related data based on a data reporting module to obtain a real-time service related text vector, wherein the real-time service related text vector contains trade service characteristic information.
4. The trade business risk prevention and control method of claim 1, wherein: the method for processing the risk level corresponding to the request based on the business risk classification model specifically comprises the following steps:
identifying a priority processing queue;
invoking a business risk classification model, and obtaining a risk vector of each feature point in the priority processing queue based on convolution processing and a risk classification mechanism;
and weighting and summing the associated trade business based on the risk vectors of the feature points to obtain the risk level corresponding to the trade business.
5. The method for controlling risk of trade business according to claim 4, wherein: the method for calling the risk early-warning model and generating the risk early-warning processing scheme based on the risk early-warning model specifically comprises the following steps:
a multi-level risk early warning sub-model is called;
and extracting a priority processing queue, and carrying out trade business early warning analysis on characteristic points in the priority processing queue based on the risk early warning sub-model.
6. The method for controlling risk of trade business according to claim 5, wherein: the method for generating the risk early-warning processing scheme based on the risk early-warning model specifically further comprises the following steps:
acquiring a trade business early warning analysis result, analyzing the analysis result, and extracting each influence factor in the trade business early warning analysis result;
and generating a risk early-warning processing path corresponding to each influence factor based on the risk early-warning sub-model, and converting the risk early-warning processing path into a risk early-warning processing scheme.
7. A trade business risk prevention and control system based on the trade business risk prevention and control method according to any one of claims 1-6, characterized in that: the trade business risk prevention and control system specifically comprises:
the business end is used for acquiring collected trade business associated data in real time, wherein the trade business associated data comprises trade participation company information, trade associated contract information, trade product information, trade deadline information and trade logistics information;
the characteristic information identification module is used for identifying characteristic information in the trade business associated data, acquiring a preset priority processing strategy, processing the characteristic information in the trade business associated data based on the priority processing strategy and generating a priority processing queue;
the risk level determining module is used for acquiring a priority processing queue, receiving a business risk prevention and control request and processing a risk level corresponding to the request based on a business risk grading model;
and the business risk disposal module is used for calling a risk early warning model, generating a risk early warning processing scheme based on the risk early warning model, triggering a risk early warning business tracking instruction and acquiring a trade business risk control result corresponding to the risk early warning processing scheme.
8. The trade business risk system of claim 7, wherein: the service end comprises:
the prevention and control point determining unit is used for determining risk prevention and control points corresponding to trade business scenes;
the associated data acquisition unit acquires real-time service associated data corresponding to the risk prevention and control points based on a preset period;
the data uploading unit is used for calling the data reporting module, classifying the real-time service related data, and uploading the classified real-time service related data to the data reporting module.
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