Bank trusted data verification method
A data verification and credible technology, applied in the field of data verification, can solve the problems such as the inability to require data transmission standardization and the inability to require data sources to be credible, and achieve the effect of reducing the risk of data tampering, effective evaluation, and inhibiting execution intentions
Active Publication Date: 2021-10-22
SICHUAN XW BANK CO LTD
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Problems solved by technology
[0018] As a user who relies on big data, it is impossible to require the data source to be credible, nor can it require the standardization of data transmission
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Embodiment
[0058] First of all, let’s make a global hypothetical scenario, assuming that a small and micro enterprise needs financing and is granting credit at the bank. The bank requires the small and micro enterprise to provide a transaction flow of the latest year to evaluate the operation of the small and micro enterprise. The transaction flow data includes each customer's "customer mobile phone number, transaction time, transaction amount". At the same time, the bank has the transaction flow of the small and micro enterprise in the previous year, with the same content, which can be used as the existing historical data for comparison. At the same time, it is assumed that in order to obtain a higher amount of bank credit, the small and micro business owners deliberately tampered with the data so that the total transaction volume increased by 20%.
[0059] Tampering Scenario 1: Small and micro business owners modify the transaction quota of a small number of customers to increase the t...
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The invention discloses a bank trusted data verification method, which comprises the following steps of: performing cross-time consistency analysis, statistical consistency analysis and internal consistency analysis on received to-be-processed data so as to realize evaluation and verification on the credibility of the data. By means of the trusted data verification method, a set of standardized data credibility evaluation process is achieved, and an enterprise can effectively evaluate the tampering risk of third-party mass data. Meanwhile, the risk of tampering the data can be effectively reduced for the third-party data which passes the evaluation by the method; single-point or small-range data modification cannot pass evaluation, and data with relevance needs to be fully modified and can pass evaluation only when the data with relevance meets the characteristics of relevance. Therefore, the cost of data tampering can be greatly improved, and the execution intention of a data tampering person can be effectively inhibited while the evaluation is effective.
Description
technical field [0001] The invention belongs to the field of data verification, in particular to a bank credible data verification method. Background technique [0002] Big data is a new type of strategic resource in the digital age, and it is also an important starting point for service innovation and driving development. With the rise of Internet and financial technology companies and the breakdown of information barriers, big data and information technology are gradually subverting the previous business models of banks. Traditional banks have become outdated in terms of product update iterations and customer experience optimization. [0003] The necessity of digital transformation of banks is gradually revealed. It is reflected in three aspects: 1. The data source is no longer only in-line data, and the value contribution of third-party data has increased significantly. 2. The importance of data processing capabilities (processing data volume and timeliness) and integr...
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IPC IPC(8): G06F21/64
CPCG06F21/64
Inventor 江海陈思成李开宇
Owner SICHUAN XW BANK CO LTD