Looking for breakthrough ideas for innovation challenges? Try Patsnap Eureka!

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

Active Publication Date: 2021-03-09
中科柏诚科技(北京)股份有限公司
View PDF3 Cites 10 Cited by
  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

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 occur

Method used

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
View more

Image

Smart Image Click on the blue labels to locate them in the text.
Viewing Examples
Smart Image
  • Financial loan auditing method and system based on block chain and machine learning
  • Financial loan auditing method and system based on block chain and machine learning
  • Financial loan auditing method and system based on block chain and machine learning

Examples

Experimental program
Comparison scheme
Effect test

Embodiment Construction

[0068] In order to make the purpose, technical solution and advantages of the present invention clearer, the technical solution of the present invention will be clearly and completely described below in conjunction with specific embodiments and corresponding drawings. Apparently, the described embodiments are only some of the embodiments of the present invention, but not all of them. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present invention.

[0069] Please refer to figure 2 , which is figure 2 It is a schematic flow diagram of financial loan review methods S10-S12 based on blockchain and machine learning. Such as figure 2 As shown, the method is applied to a block chain network, and the block chain network includes a super node and a common node, and the method includes the following steps:

[0070] S10. Determine wheth...

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More

PUM

No PUM Login to View More

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.

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

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More

Application Information

Patent Timeline
no application Login to View More
Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06Q10/04G06N3/08G06K9/62G06F21/60
CPCG06Q10/04G06N3/08G06F21/602G06Q40/03G06F18/214
Inventor 张雨邢文超
Owner 中科柏诚科技(北京)股份有限公司
Who we serve
  • R&D Engineer
  • R&D Manager
  • IP Professional
Why Patsnap Eureka
  • Industry Leading Data Capabilities
  • Powerful AI technology
  • Patent DNA Extraction
Social media
Patsnap Eureka Blog
Learn More
PatSnap group products

Browse by: Latest US Patents, China's latest patents, Technical Efficacy Thesaurus, Application Domain, Technology Topic, Popular Technical Reports.

© 2024 PatSnap. All rights reserved.Legal|Privacy policy|Modern Slavery Act Transparency Statement|Sitemap|About US| Contact US: help@patsnap.com