Payment big data analysis system based on Internet finance and analysis method thereof

An analysis system and big data technology, applied in neural learning methods, market data collection, biological neural network models, etc., to reduce credit risk and improve accuracy

Inactive Publication Date: 2022-05-31
上海嘉甲茂技术有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] Moreover, from the initial appearance of online shopping, to online banking, third-party payment, and then to online wealth management, the rapid development of Internet finance took only a few years, but a series of Internet financial payment credits also appeared. risk issue

Method used

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  • Payment big data analysis system based on Internet finance and analysis method thereof
  • Payment big data analysis system based on Internet finance and analysis method thereof
  • Payment big data analysis system based on Internet finance and analysis method thereof

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Embodiment Construction

[0033] Hereinafter, exemplary embodiments according to the present application will be described in detail with reference to the accompanying drawings. Apparently, the described embodiments are only some of the embodiments of the present application, rather than all the embodiments of the present application. It should be understood that the present application is not limited by the exemplary embodiments described here.

[0034] Scenario overview

[0035] As mentioned above, with the rapid development of Internet technology, the amount of payment-related data on Internet financial platforms is growing exponentially, and correspondingly, providers of various Internet financial services have sprung up like mushrooms after rain. In this way, now and in the near future, the data gradually accumulated in the Internet financial network will be huge, so how to mine and analyze these massive financial payment data to improve the quality of financial services provided by various supp...

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PUM

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Abstract

The invention relates to the field of Internet finance payment, and particularly discloses a payment big data analysis system based on Internet finance and an analysis method thereof, and the method comprises the steps: carrying out the semantic feature information extraction of the description of a user portrait and a to-be-paid service through a context-based semantic understanding model; and processing the obtained feature matrix by using the same convolutional neural network model, so that the extracted associated features have correlation as much as possible relative to the user tag features and the service semantic features in a high-dimensional feature space. And furthermore, the parameters of the convolutional neural network are updated by using a gradient transfer method, so that the classification accuracy is improved. In this way, more appropriate matching can be performed between the user and the to-be-paid service, and then the credit risk of payment of the Internet financial platform is effectively reduced.

Description

technical field [0001] This application relates to the field of Internet financial payment, and more specifically, to a payment big data analysis system and analysis method based on Internet finance. Background technique [0002] With the rapid development of Internet technology, the amount of payment-related data on Internet financial platforms is growing exponentially, and correspondingly, providers of various Internet financial services have sprung up like mushrooms after rain. In this way, now and in the near future, the data gradually accumulated in the Internet financial network will be huge, so how to mine and analyze these massive financial payment data to improve the quality of financial services provided by various suppliers to users , is particularly important. [0003] Moreover, from the initial appearance of online shopping, to online banking, third-party payment, and then to online wealth management, the rapid development of Internet finance took only a few ye...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06K9/62G06N3/04G06N3/08G06Q30/02
CPCG06Q30/0201G06Q30/0203G06N3/08G06N3/045G06F18/241G06F18/253G06F18/214
Inventor 黄国荣
Owner 上海嘉甲茂技术有限公司
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