Cross-border merchant risk monitoring system based on data analysis

Abstract

The application relates to the technical field of merchant risk monitoring, and discloses a cross-border merchant risk monitoring system based on data analysis, which comprises a data acquisition unit, a supply analysis unit, a cross-border transportation unit and a risk analysis unit; the application realizes all-round monitoring of the performance, logistics link state and inventory management level of a merchant by collecting historical cooperation data, cargo transportation node data and cargo inventory data of the cross-border merchant; through the collaborative work of the supply analysis unit, the cross-border transportation unit and the risk analysis unit, the system can analyze the congestion degree and failure rate of a cross-border logistics node in real time, comprehensively analyze and judge the merchant supply stability coefficient and the inventory accuracy rate, significantly improve the accuracy and timeliness of risk assessment, finely divide the stability and risk level of the cross-border merchant, and automatically trigger an abnormal alarm mechanism, so that potential operating risk hazards can be identified and warned in time.

Description

Technical Field

[0001] This invention relates to the field of merchant risk monitoring technology, and in particular to a cross-border merchant risk monitoring system based on data analysis. Background Technology

[0002] In actual operation, cross-border merchants face multiple risks and challenges such as unstable supply, logistics delays, and poor inventory management, and need to establish an effective risk monitoring mechanism to identify and assess potential operational risks.

[0003] However, traditional risk monitoring and assessment processes for cross-border merchants suffer from drawbacks such as limited monitoring dimensions, limited data sources, and simplistic assessment methods. They often focus only on single indicators such as order completion rate or customer reviews, making it difficult to comprehensively reflect the overall risk status of merchants. At the same time, the lack of real-time monitoring and analysis of cross-border logistics nodes leads to inaccurate risk assessment results and an inability to promptly identify and warn of potential risks, thereby affecting the decision-making efficiency of purchasers and trade security.

[0004] To address the aforementioned technical deficiencies, a solution is proposed. Summary of the Invention

[0005] The purpose of this invention is to address the shortcomings of traditional risk monitoring and assessment processes for cross-border merchants, such as single monitoring dimensions, limited data sources, and simple assessment methods. These methods often focus only on single indicators such as order completion rate or customer reviews, making it difficult to comprehensively reflect the overall risk status of merchants. Furthermore, the lack of real-time monitoring and analysis of cross-border logistics nodes leads to inaccurate risk assessment results and an inability to promptly identify and warn of potential risks.

[0006] To achieve the above objectives, the present invention adopts the following technical solution: a cross-border merchant risk monitoring system based on data analysis, comprising a data acquisition unit, a supply analysis unit, a cross-border transportation unit, and a risk assessment unit;

[0007] The data acquisition unit is used to obtain historical cooperation data of cross-border merchants, cargo transportation node data between cross-border merchants and purchasers, and cargo inventory data of cross-border merchants through the cross-border merchant database. It then sends the historical cooperation data to the supply analysis unit, the cargo transportation node data to the cross-border transportation unit, and the cargo inventory data to the risk assessment unit.

[0008] The supply analysis unit is used to receive historical cooperation data, perform analysis and calculations, derive the supply stability coefficient of cross-border merchants, and classify cross-border merchants into unstable cross-border merchants and stable cross-border merchants.

[0009] The cross-border transport unit is used to receive cargo transport node data, analyze and calculate it to obtain the cross-border transport index of cargo transport.

[0010] The risk assessment unit receives cargo inventory data and, in conjunction with the supply stability coefficient of cross-border merchants and the cross-border transportation index of cargo, performs analysis and calculation to derive the supply risk index of stable cross-border merchants and classify the supply risks of cross-border merchants.

[0011] Furthermore, the system also includes an anomaly alarm unit, which is used to send anomaly alarm information to the cross-border merchant risk monitoring terminal when an anomaly occurs.

[0012] Furthermore, the calculation process for the supply stability coefficient of cross-border merchants is as follows:

[0013] S11. Obtain historical cooperation data and perform analysis and calculation. The historical cooperation data includes cross-border merchants' order ratings, transaction volume, and supply volume data.

[0014] S12. Calculate the supply stability coefficient for cross-border merchants using the following formula. : in, The average rating of historical orders for cross-border merchants. The pre-set standard score for cross-border merchant orders, This represents the total number of historical transactions for cross-border merchants. The number of transactions in the history of on-time delivery to cross-border merchants. This represents the historical total supply volume for cross-border merchants. Historical qualified supply volume for cross-border merchants The preset transaction weighting coefficients, The supply stability coefficient of cross-border merchants is a preset supply weighting coefficient used to measure the stability of their supply chain fulfillment capabilities.

[0015] Furthermore, the process of classifying the stability of cross-border merchants is as follows:

[0016] S21. Obtain the preset supply stability threshold. Data on the supply stability coefficient of various cross-border merchants And compare and analyze;

[0017] S22, when If the cross-border merchant's supply chain fulfillment capability is stable, then the cross-border merchant will be classified as a stable cross-border merchant.

[0018] S23, when If the situation indicates that the cross-border merchant's supply chain fulfillment capability is unstable, the cross-border merchant will be classified as an unstable cross-border merchant, and the abnormal alarm unit will be triggered to send abnormal alarm information to the cross-border merchant risk monitoring terminal.

[0019] Furthermore, the calculation process for the cross-border transport index of goods is as follows:

[0020] S31. Obtain and analyze cargo transportation node data between stable cross-border merchants and buyers, wherein the cargo transportation node data includes the congestion level of transportation nodes and the node failure rate of transportation nodes.

[0021] S32. Calculate the cross-border transport index of goods transportation according to the following formula. : in, This represents the maximum level of congestion at the transportation node. The minimum level of congestion at the transportation node. This refers to the number of nodes in cross-border cargo transportation. For the first The degree of congestion at each transportation node, For the first Node failure rate of each transportation node This represents the maximum node failure rate among the transportation nodes. The cross-border transport index for cargo transportation is used to assess the operational status of cross-border logistics links, representing the minimum failure rate among transport nodes.

[0022] Furthermore, the calculation process for the supply risk index for stabilizing cross-border merchants is as follows:

[0023] S41. Obtain cargo inventory data and analyze and calculate it in conjunction with the supply stability coefficient of cross-border merchants and the cross-border transportation index data of cargo transportation. The cargo inventory data includes the actual inventory quantity and cargo inventory accuracy rate of stable cross-border merchants.

[0024] S42. Calculate the supply risk index for stable cross-border merchants using the following formula. : in, To stabilize the supply stability of cross-border merchants, To stabilize the cross-border transport index of goods for cross-border merchants. To stabilize the actual inventory levels of cross-border merchants, For the purchaser's demand for goods, To stabilize the accuracy of cross-border merchants' inventory, The preset standard inventory accuracy rate, The preset inventory weighting coefficient, The supply risk index for cross-border merchants is used to reflect the degree of supply risk of cross-border merchants, with the preset weighting coefficients for inventory accuracy.

[0025] Furthermore, the process of classifying supply risks for cross-border merchants is as follows:

[0026] S51. Obtain the preset supply risk upper limit threshold. and supply risk lower limit threshold Supply risk index of various stable cross-border merchants Comparative analysis;

[0027] S52, when If the risk level is low, it indicates that the supply risk of stable cross-border merchants is low, and stable cross-border merchants are classified as low-risk cross-border merchants.

[0028] S53, when If the risk level is low, it indicates that the supply risk of stable cross-border merchants is generally low, and stable cross-border merchants are classified as cross-border merchants with general risk.

[0029] S54, when If the risk level is high, it indicates that the stable cross-border merchant's supply is at high risk. The stable cross-border merchant will be classified as a high-risk cross-border merchant, and the abnormal alarm unit will be triggered to send abnormal alarm information to the cross-border merchant risk monitoring terminal.

[0030] S55. Sort cross-border merchants in descending order based on their supply risk index values, and increase the order volume of the top-ranked cross-border merchants.

[0031] In summary, due to the adoption of the above technical solution, the beneficial effects of the present invention are:

[0032] This data-driven cross-border merchant risk monitoring system collects historical cooperation data, cargo transportation node data, and cargo inventory data from cross-border merchants. This enables comprehensive monitoring of merchants' fulfillment capabilities, logistics chain status, and inventory management levels, overcoming the limitations of relying solely on single indicators such as order completion rate or customer reviews. Secondly, through the collaborative work of the supply analysis unit, cross-border delivery unit, and risk assessment unit, the system can analyze the congestion and failure rates of cross-border logistics nodes in real time. Combined with the merchant's supply stability coefficient and inventory accuracy rate, it makes a comprehensive judgment, significantly improving the accuracy and timeliness of risk assessment. Furthermore, by finely classifying cross-border merchants into stability and risk levels and automatically triggering anomaly alarm mechanisms, it can promptly identify and warn of potential operational risks, providing buyers with a scientific basis for decision-making and ensuring trade security. In addition, based on the risk assessment results, the system increases order volume for low-risk merchants and suspends cooperation with high-risk merchants, requiring additional guarantees. This achieves effective linkage between risk monitoring and trade decision-making, significantly improving overall trade efficiency and risk control. Attached Figure Description

[0033] Figure 1 A schematic diagram of the system flow of the present invention is shown. Detailed Implementation

[0034] The technical solutions of the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of the present invention, and not all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those skilled in the art without creative effort are within the scope of protection of the present invention.

[0035] Example:

[0036] like Figure 1 As shown, the data-driven risk monitoring system for cross-border merchants first uses a data acquisition unit to obtain historical cooperation data, cargo transportation node data between cross-border merchants and buyers, and cargo inventory data from a cross-border merchant database. The historical cooperation data is then sent to the supply analysis unit, the cargo transportation node data to the cross-border delivery unit, and the cargo inventory data to the risk assessment unit. It should be noted that the cargo transportation nodes between cross-border merchants and buyers are determined based on the actual cross-border logistics route, covering all key logistics transit points from cross-border merchants to buyers, including ports, customs, and transit warehouse facilities. The system also acquires real-time data collection to obtain the operational status information of each node.

[0037] Then, the supply analysis unit receives historical cooperation data, performs analysis and calculations to obtain the supply stability coefficient of cross-border merchants, and classifies cross-border merchants into unstable cross-border merchants and stable cross-border merchants.

[0038] The calculation process for the supply stability coefficient of cross-border merchants is as follows:

[0039] S11. Obtain and analyze historical cooperation data. Historical cooperation data includes cross-border merchants' order ratings, transaction volume, and supply volume data. Among them, the cross-border merchants' order ratings are obtained by the purchaser through a comprehensive evaluation of the cross-border merchants' order transaction process, based on the order fulfillment quality dimension (such as order completion rate: the ratio of the actual number of completed orders to the total number of orders) and service response dimension (such as response timeliness: the merchant's response speed to order inquiries and problem handling; after-sales service satisfaction: customer evaluation of return and exchange processing efficiency and problem-solving effectiveness). The cross-border merchants' order ratings are obtained through a scale.

[0040] S12. Calculate the supply stability coefficient for cross-border merchants using the following formula. : in, The average rating of historical orders for cross-border merchants. The pre-set standard score for cross-border merchant orders, This represents the total number of historical transactions for cross-border merchants. The number of transactions in the history of on-time delivery to cross-border merchants. This represents the historical total supply volume for cross-border merchants. Historical qualified supply volume for cross-border merchants The preset transaction weighting coefficients, The supply stability coefficient is a preset supply weighting coefficient used to measure the stability of the supply chain fulfillment capability of cross-border merchants. The larger the value of the supply stability coefficient, the stronger the stability of the supply chain fulfillment capability of cross-border merchants. The smaller the value of the supply stability coefficient, the weaker the stability of the supply chain fulfillment capability of cross-border merchants.

[0041] The process of classifying the stability of cross-border merchants is as follows:

[0042] S21. Obtain the preset supply stability threshold. Data on the supply stability coefficient of various cross-border merchants And compare and analyze;

[0043] S22, when If the supply chain fulfillment capability of cross-border merchants is stable, then cross-border merchants are classified as stable cross-border merchants, and the supply risks of stable cross-border merchants are further analyzed.

[0044] S23, when If the situation indicates that the cross-border merchant's supply chain fulfillment capability is unstable, the cross-border merchant will be classified as an unstable cross-border merchant, and an abnormal alarm unit will be triggered to send an abnormal alarm message to the cross-border merchant risk monitoring terminal, suspending trade cooperation with the unstable cross-border merchant.

[0045] Subsequently, the cross-border transport unit receives cargo transport node data, analyzes and calculates it to obtain the cross-border transport index of cargo transport.

[0046] The calculation process for the cross-border transport index of goods is as follows:

[0047] S31. Obtain and analyze cargo transportation node data between stable cross-border merchants and buyers. The cargo transportation node data includes the congestion level and failure rate of the transportation nodes. The congestion level is calculated by connecting to the cross-border logistics network and capturing the cargo queuing volume and processing capacity data of each transportation node (port, customs, transit warehouse, etc.) in real time. The failure rate is calculated by obtaining the equipment failure history and system downtime records from the operation and maintenance system of each transportation node, and statistically analyzing the frequency of failures.

[0048] S32. Calculate the cross-border transport index of goods transportation according to the following formula. : in, This represents the maximum level of congestion at the transportation node. The minimum level of congestion at the transportation node. This refers to the number of nodes in cross-border cargo transportation. For the first The degree of congestion at each transportation node, For the first Node failure rate of each transportation node This represents the maximum node failure rate among the transportation nodes. The cross-border transport index, representing the minimum failure rate among transport nodes, is used to assess the operational status of cross-border logistics links. A higher cross-border transport index indicates a more chaotic operational status of the cross-border logistics link, while a lower cross-border transport index indicates a more stable operational status of the cross-border logistics link.

[0049] Finally, the risk assessment unit receives cargo inventory data and combines it with the supply stability coefficient of cross-border merchants and the cross-border transportation index of cargo transportation to conduct analysis and calculation, thereby deriving the supply risk index of stable cross-border merchants and classifying the supply risks of cross-border merchants.

[0050] The calculation process for the supply risk index for stable cross-border merchants is as follows:

[0051] S41. Obtain goods inventory data and analyze and calculate it in conjunction with the supply stability coefficient of cross-border merchants and the cross-border transportation index data of goods transportation. Goods inventory data includes the actual inventory of goods of stable cross-border merchants and the goods inventory accuracy rate. The goods inventory accuracy rate is recorded by the system through regular inventory count data comparison to statistically analyze the degree of matching between actual inventory and recorded inventory.

[0052] S42. Calculate the supply risk index for stable cross-border merchants using the following formula. : in, To stabilize the supply stability of cross-border merchants, To stabilize the cross-border transport index of goods for cross-border merchants. To stabilize the actual inventory levels of cross-border merchants, For the purchaser's demand for goods, To stabilize the accuracy of cross-border merchants' inventory, The preset standard inventory accuracy rate, The preset inventory weighting coefficient, The supply risk index for cross-border merchants is a preset weighting coefficient for inventory accuracy. It reflects the degree of supply risk for cross-border merchants. The higher the value of the supply risk index, the lower the degree of supply risk for cross-border merchants. The lower the value of the supply risk index, the higher the degree of supply risk for cross-border merchants.

[0053] The process of classifying supply risks for cross-border merchants is as follows:

[0054] S51. Obtain the preset supply risk upper limit threshold. and supply risk lower limit threshold Supply risk index of various stable cross-border merchants Comparative analysis;

[0055] S52, when If the risk level is low, it indicates that the supply risk of stable cross-border merchants is low, and stable cross-border merchants are classified as low-risk cross-border merchants.

[0056] S53, when If the risk level of a stable cross-border merchant is considered to be moderate, the stable cross-border merchant will be classified as a general risk cross-border merchant, and the order size will be restricted and additional guarantees will be required.

[0057] S54, when If the risk level is high, it indicates that the stable cross-border merchants have a high level of supply risk. The stable cross-border merchants will be classified as high-risk cross-border merchants, and the abnormal alarm unit will be triggered to send abnormal alarm information to the cross-border merchant risk monitoring terminal, and trade cooperation with unstable cross-border merchants will be suspended.

[0058] S55. Sort cross-border merchants in descending order based on their supply risk index values, and increase the order volume of the top-ranked cross-border merchants.

[0059] This invention achieves comprehensive monitoring of merchants' fulfillment capabilities, logistics status, and inventory management levels by collecting historical cooperation data, cargo transportation node data, and cargo inventory data from cross-border merchants. This overcomes the limitations of relying solely on single indicators such as order completion rate or customer reviews. Secondly, through the collaborative work of the supply analysis unit, cross-border delivery unit, and risk assessment unit, the system can analyze the congestion and failure rate of cross-border logistics nodes in real time. Combined with the merchant's supply stability coefficient and inventory accuracy rate, it makes a comprehensive judgment, significantly improving the accuracy and timeliness of risk assessment. Furthermore, by finely classifying cross-border merchants into stability and risk levels and automatically triggering an anomaly alarm mechanism, it can promptly identify and warn of potential operational risks, providing purchasers with a scientific basis for decision-making and ensuring trade security. In addition, based on the risk assessment results, the system increases order volume for low-risk merchants and suspends cooperation with high-risk merchants and requires additional guarantees, achieving effective linkage between risk monitoring and trade decision-making, and significantly improving overall trade efficiency and risk control level.

[0060] The size of the interval and threshold is set to facilitate comparison. The size of the threshold depends on the amount of sample data and the number of bases set by those skilled in the art for each set of sample data; as long as it does not affect the ratio between the parameter and the quantized value.

[0061] The above formulas are all dimensionless calculations. The formulas are derived from software simulations based on a large amount of collected data to obtain the most recent real-world results. The preset parameters in the formulas are set by those skilled in the art according to the actual situation.

[0062] The above description is only a preferred embodiment of the present invention, but the scope of protection of the present invention is not limited thereto. Any equivalent substitutions or modifications made by those skilled in the art within the scope of the technology disclosed in the present invention, based on the technical solution and inventive concept of the present invention, should be covered within the scope of protection of the present invention.

Claims

1. A cross-border merchant risk monitoring system based on data analysis, characterized in that: It includes a data acquisition unit, a supply analysis unit, a cross-border transportation unit, and a risk assessment unit; The data acquisition unit is used to obtain historical cooperation data of cross-border merchants, cargo transportation node data between cross-border merchants and purchasers, and cargo inventory data of cross-border merchants through the cross-border merchant database. It then sends the historical cooperation data to the supply analysis unit, the cargo transportation node data to the cross-border transportation unit, and the cargo inventory data to the risk assessment unit. The supply analysis unit is used to receive historical cooperation data, perform analysis and calculations, derive the supply stability coefficient of cross-border merchants, and classify cross-border merchants into unstable cross-border merchants and stable cross-border merchants. The calculation process for the supply stability coefficient of cross-border merchants is as follows: S11. Obtain historical cooperation data and perform analysis and calculation. The historical cooperation data includes cross-border merchants' order ratings, transaction volume, and supply volume data. S12. Calculate the supply stability coefficient for cross-border merchants using the following formula. : in, The average rating of historical orders for cross-border merchants. The pre-set standard score for cross-border merchant orders, This represents the total number of historical transactions for cross-border merchants. The number of transactions in the history of on-time delivery to cross-border merchants. This represents the historical total supply volume for cross-border merchants. Historical qualified supply volume for cross-border merchants The preset transaction weighting coefficients, The supply stability coefficient of cross-border merchants is used to measure the stability of their supply chain fulfillment capabilities, based on the preset supply weighting coefficient. The cross-border transport unit is used to receive cargo transport node data, analyze and calculate it to obtain the cross-border transport index of cargo transport. The calculation process for the cross-border transport index of goods is as follows: S31. Obtain and analyze cargo transportation node data between stable cross-border merchants and buyers, wherein the cargo transportation node data includes the congestion level of transportation nodes and the node failure rate of transportation nodes. S32. Calculate the cross-border transport index of goods transportation according to the following formula. : in, This represents the maximum level of congestion at the transportation node. The minimum level of congestion at the transportation node. This refers to the number of nodes in cross-border cargo transportation. For the first The degree of congestion at each transportation node, For the first Node failure rate of each transportation node This represents the maximum node failure rate among the transportation nodes. The cross-border transport index for cargo transportation is used to assess the operational status of cross-border logistics links, representing the minimum failure rate among transport nodes. The risk assessment unit receives cargo inventory data and, in conjunction with the supply stability coefficient of cross-border merchants and the cross-border transportation index of cargo transportation, performs analysis and calculation to derive the supply risk index of stable cross-border merchants and classify the supply risks of cross-border merchants. The calculation process for the supply risk index for stable cross-border merchants is as follows: S41. Obtain cargo inventory data and analyze and calculate it in conjunction with the supply stability coefficient of cross-border merchants and the cross-border transportation index data of cargo transportation. The cargo inventory data includes the actual inventory quantity and cargo inventory accuracy rate of stable cross-border merchants. S42. Calculate the supply risk index for stable cross-border merchants using the following formula. : in, To stabilize the supply stability of cross-border merchants, To stabilize the cross-border transport index of goods for cross-border merchants. To stabilize the actual inventory levels of cross-border merchants, For the purchaser's demand for goods, To stabilize the accuracy of cross-border merchants' inventory, The preset standard inventory accuracy rate, The preset inventory weighting coefficient, The supply risk index for cross-border merchants is used to reflect the degree of supply risk of cross-border merchants, with the preset weighting coefficients for inventory accuracy.

2. The cross-border merchant risk monitoring system based on data analysis according to claim 1, characterized in that, The system also includes an anomaly alarm unit, which is used to send anomaly alarm information to the cross-border merchant risk monitoring terminal when an anomaly occurs.

3. The cross-border merchant risk monitoring system based on data analysis according to claim 1, characterized in that, The process of classifying the stability of cross-border merchants is as follows: S21. Obtain the preset supply stability threshold. Data on the supply stability coefficient of various cross-border merchants And compare and analyze; S22, when If the cross-border merchant's supply chain fulfillment capability is stable, then the cross-border merchant will be classified as a stable cross-border merchant. S23, when If the situation indicates that the cross-border merchant's supply chain fulfillment capability is unstable, the cross-border merchant will be classified as an unstable cross-border merchant, and the abnormal alarm unit will be triggered to send abnormal alarm information to the cross-border merchant risk monitoring terminal.

4. The cross-border merchant risk monitoring system based on data analysis according to claim 1, characterized in that, The process of classifying supply risks for cross-border merchants is as follows: S51. Obtain the preset supply risk upper limit threshold. and supply risk lower limit threshold Supply risk index of various stable cross-border merchants Comparative analysis; S52, when If the risk level is low, it indicates that the supply risk of stable cross-border merchants is low, and stable cross-border merchants are classified as low-risk cross-border merchants. S53, when If the risk level is low, it indicates that the supply risk of stable cross-border merchants is generally low, and stable cross-border merchants are classified as cross-border merchants with general risk. S54, when If the risk level is high, it indicates that the stable cross-border merchant's supply is at high risk. The stable cross-border merchant will be classified as a high-risk cross-border merchant, and the abnormal alarm unit will be triggered to send abnormal alarm information to the cross-border merchant risk monitoring terminal. S55. Sort cross-border merchants in descending order based on their supply risk index values, and increase the order volume of the top-ranked cross-border merchants.

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