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

A machine learning and blockchain technology, applied in neural learning methods, finance, instruments, etc., can solve problems such as user risk assessment, platform incompatibility, etc., to achieve shared synchronization, ensure accuracy and growth, and avoid joint Evil effect

Active Publication Date: 2021-11-26
中科柏诚科技(北京)股份有限公司
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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

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  • Financial loan review method and system based on block chain and machine learning
  • Financial loan review method and system based on block chain and machine learning
  • Financial loan review method and system based on block chain and machine learning

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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. like 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 whether ...

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Abstract

The present invention discloses a financial loan review method and system based on block chain and machine learning, which is applied to a block chain network, including super nodes and ordinary nodes. The method includes: when any node queries a request, counting the number of conflicting information , based on the static prediction results and dynamic prediction results to classify the risk of borrowing users, upgrade the ordinary nodes that first generate static prediction results and dynamic prediction results to super nodes, and sort the same number of super nodes according to the sorting list of super nodes The node is downgraded to a normal node. The present invention overcomes the drawbacks of isolated information islands of traditional platforms, realizes the sharing and synchronization of user blacklists, and realizes joint auditing of borrowing users; and through the combined auditing of static risk models and dynamic risk models, it avoids the influence of subjective factors in artificial auditing and ensures the risk The accuracy and growth of recognition; through the adjustment of super nodes, super node rigidity and joint evil can be avoided.

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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Application Information

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Patent Type & Authority Patents(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
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