Financial loan auditing method and system based on block chain and machine learning

A technology of machine learning and blockchain, applied in neural learning methods, finance, instruments, etc., can solve problems such as user risk evaluation and platform incompatibility
CN112465627AActive Publication Date: 2021-03-09中科柏诚科技(北京)股份有限公司
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Patent Information

Authority / Receiving Office
CN · China
Patent Type
Applications(China)
Current Assignee / Owner
中科柏诚科技(北京)股份有限公司
Publication Date
2021-03-09

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Abstract

The invention discloses a financial loan auditing method and system based on a block chain and machine learning, which are applied to a block chain network and comprise super nodes and common nodes. The method comprises the following steps: when any node queries a request, counting the quantity of conflict information, and carrying out risk grading on loan users based on a static prediction resultand a dynamic prediction result; and upgrading the common nodes which generate the static prediction result at the earliest and the dynamic prediction result at the earliest into super nodes, and degrading the same number of super nodes into the common nodes according to a super node sorting list and a sorting sequence. According to the invention, the defects of information islands of traditionalplatforms are overcome, user blacklist sharing synchronization is realized, and joint auditing of users for loans is realized; through combined auditing of a static risk model and a dynamic risk model, the influence of subjective factors of manual auditing is avoided, and the accuracy and the growth of risk identification are ensured; by adjusting the super nodes, the super nodes can be preventedfrom being rigidified and doing wrong jointly.
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Description

【Technical field】

[0001] The invention relates to the technical field of financial risk management and control, in particular to a method and system for reviewing financial loans based on blockchain and machine learning. 【Background technique】

[0002] The development of computer and network technology has made the Internet penetrate into all aspects of people's lives. People are increasingly using the Internet to perform various operations, including financial-related operations, such as online shopping, electronic payment, electronic transfer, online financial management, Online lending, etc. Among the many online financial operations of users, some operations have certain financial risks, such as requesting enjoy-before-paying services, using overdraft services such as Huabei and Baitiao, and applying for loans. However, due to the incompatibility of various platforms and the inability to conduct risk assessments on users, cases of overdue repayments and bad debts often ...

Claims

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