A business exception monitoring method based on supply chain finance

Abstract

The application discloses a kind of based on supply chain finance's business exception monitoring method, comprising: after the transaction request of the business application of supply chain financial platform sends, transaction center receives transaction request, asynchronously initiates accounting application, security monitoring center listens to the instruction message sent by transaction center, to business action, the check of the check rule of execution is checked;Monitoring center executes the data authentication of check result after check rule check, record the data after authentication, query authentication result, according to return result, update bill and the state of timing task, to the business transaction of check rule check result for not pass is alarmed and informed.This application realizes the security monitoring of business transaction, carries out abnormal check to the business and transaction problem that can not be found in time in supply chain financial system, realizes risk control and business audit function, real-time call the switch of security monitoring center, for abnormal business scene and transaction event carries out notification alarm, reminds user to handle in time.

Description

Technical Field

[0001] This invention relates to the field of computer technology, and in particular to a method for monitoring business anomalies based on supply chain finance. Background Technology

[0002] With the deepening of globalization and specialization, modern enterprise supply chains are becoming increasingly longer, exhibiting characteristics such as fragmentation, complexity, and geographical dispersion. This, coupled with information asymmetry, opacity, and difficulty in monitoring supply chain finance, presents significant challenges to supply chain management. According to research reports, my country's supply chain finance market currently exceeds 10 trillion yuan and is projected to reach 14.98 trillion yuan by 2020.

[0003] However, in my country's large-scale supply chain finance market, numerous pain points exist. To address the difficulty of visualizing supply chain finance, many companies have launched online supply chain finance platforms. These platforms allow for convenient and fast online transactions, while also ensuring information security and reliability. However, when these systems are operational, the lack of rule checks and monitoring during credit granting, account opening, payment, financing, repayment, and clearing processes easily leads to errors. The root cause of problems cannot be identified promptly, only after user feedback or subsequent events, resulting in wasted resources and time, impacting business transactions, and hindering secure monitoring of online supply chain finance transactions, significantly reducing the efficiency of resolving anomalies. Summary of the Invention

[0004] The technical problem to be solved by this invention is to address the deficiencies mentioned in the background technology by providing a business anomaly monitoring method based on supply chain finance. This method performs real-time verification of business operations on the supply chain finance platform, issues alarms when business errors are detected, and records and summarizes business and financial events in real time. Auditing and monitoring are conducted through bookkeeping, reconciliation, and verification, thereby improving the security and reliability of the system.

[0005] The objective of this invention and the technical problem it solves are achieved through the following technical solutions:

[0006] A business anomaly monitoring method based on supply chain finance includes:

[0007] (1) Configure a monitoring center in the supply chain finance system. The monitoring center includes a gateway, a transaction center, a security monitoring center, and a message center. After the business application of the supply chain finance platform sends a transaction request, the transaction center receives the transaction request; or, after the capital business of the supply chain finance platform initiates a capital transaction application, the transaction center receives the transaction request.

[0008] (2) After the business application of the supply chain finance platform sends a transaction request, the transaction center receives the transaction request and determines whether the accounting switch of the security monitoring center is in the open state. If it is in the open state, it asynchronously initiates an accounting application and sets the transaction business status to "in transaction".

[0009] (3) The security monitoring center listens to the instruction messages issued by the transaction center, calls the security monitoring center interface, and performs verification rule checks on the business actions;

[0010] The method for checking the verification rules includes: the business application of the supply chain finance platform initiates a verification application asynchronously, the security monitoring center initializes the verification task, queries the rule details list for enabled rules, loads the accounting subjects and rules, performs rule judgment, and feeds back the verification result based on the judgment result;

[0011] (4) After the monitoring center performs the verification rule check, it performs data authentication of the check result and records the data after successful authentication. The monitoring center performs a periodic query authentication status task. The transaction center requests the security monitoring center to query the authentication result. If the authentication status is successful, a successful instruction message is sent to execute the next business operation. If the authentication status is unsuccessful, the business is terminated.

[0012] (5) Based on the results returned by the business party of the supply chain finance system, if the verification rule check result is passed, update the transaction status and the scheduled task status, and the accounting is successful; if the verification rule check fails, update the transaction status and the scheduled task status, record the reason for the authentication failure, and save the transaction record.

[0013] (6) For business transactions and fund transactions that fail the verification rule check, the security monitoring center will issue an alarm notification.

[0014] Preferably, the security monitoring center includes a data security authentication module, a monitoring and alarm module, a rule factory module, and a data reporting module. The message center is connected to the monitoring and alarm module and sends message notifications to users and each module. The gateway is connected to the user interface. The internal services of the transaction center call the nodes of the security monitoring center through third-party plugins, use a heartbeat mechanism to transmit data in real time and verify it in the rule factory module. After verification, an abnormal data report is generated and a real-time message is sent through the message center.

[0015] Preferably, the security monitoring center further includes an accounting module, a bookkeeping module, a daily cut-off module, a subject module, and a rule engine module. When performing bookkeeping operations, the rule engine module performs rule checks and, after providing the rule check results, the subject module configures the subjects, the accounting module performs real-time accounting, the bookkeeping module performs single or batch bookkeeping, and pushes the bookkeeping results; the daily cut-off module executes a set daily cut-off timed task, the accounting module receives instructions to perform subject accounting, accounting entity accounting, and external system accounting, and then the bookkeeping module performs bookkeeping and pushes the bookkeeping results.

[0016] Preferably, the data security authentication module of the security monitoring center performs real-time authentication and parsing of transaction data, verifies the correctness of the data in real time, the rule factory dynamically loads rules, dynamically configures rules, receives instructions to manage rule queries, and manages the enabling, disabling and execution of rules, the data reporting module provides report information to the system backend, provides a data query interface to the data security authentication module, and displays abnormal data, and the monitoring and alarm module provides SMS alarms for data security authentication.

[0017] Preferably, the data from the transaction center is sent to the security monitoring center for data security authentication, interface checks, and basic parameter checks. If the basic parameter checks fail, the result is directly returned to the transaction center. If the basic parameter checks pass, rule checks are invoked. If the rule checks pass, a rule list is obtained from the verification rule library according to the business category, rule information is read, checks are performed according to the rule configuration, the check logic is executed, the check results are obtained, and persistence is invoked. The check results are judged, and the check result data is generated into a data report using a reporting tool. If the check results pass, the check success result is saved, and the result is returned to the transaction center. If the check results fail, the check failure result is saved, and a message notification interface is invoked to send a warning message. The warning message is sent to the transaction center via SMS or email.

[0018] Preferably, the rule information is stored in a database, providing specific rule information, including but not limited to execution order and method information; the database also includes a record table to store passing records, providing a basis for rule logic checks, and a failure record table to store data that failed the check logic.

[0019] Preferably, the rule factory includes an offline rule library. The rule factory receives external instructions to dynamically load and configure rules, enable or disable rules, and execute calls to the offline rule library.

[0020] Preferably, the implementation architecture of the business anomaly monitoring method based on supply chain finance includes an interface layer, an application layer, a domain layer, and a foundation layer. The foundation layer includes message notification and MySQL cluster and Redis cluster. The interface layer includes a user interface and API interface, which are connected. The application layer includes a data security authentication module, a rule factory module, a monitoring and alarm module, and a data reporting module. The domain layer includes aggregation services and domain services, and the aggregation services integrate entity and value objects.

[0021] Preferably, the implementation method of the business anomaly monitoring method based on supply chain finance is as follows: When the user clicks the user interface, the gateway sends a registration service to the Nacos service center registration cluster for registration, obtains the service list and returns it to the gateway, the transaction center sends service registration and discovery instructions to the Nacos service center registration cluster for registration, sends the data to one of the nodes of the security monitoring center, monitors the data in real time through a heartbeat mechanism, enters the rule factory module for verification, the verification result is returned to the transaction center, and fund transactions are monitored according to the verification result. Abnormal transactions are rejected from entering the fund pool, and an abnormal transaction report is generated for manual intervention.

[0022] Preferably, the transaction center is configured with a degradation switch, and the automatic refresh function in the Nacos service center is configured to enable the switch to call the security monitoring center. When the security monitoring center goes down or there is a network anomaly, the security monitoring center service is taken offline.

[0023] This invention enables secure monitoring of business transactions, records abnormal business scenarios in supply chain finance platforms and systems, verifies anomalies in business and transaction issues that cannot be detected in a timely manner during the operation of the supply chain finance system, implements risk control and business auditing functions through accounting, calls the switch of the security monitoring center in real time to perform rule checks, and notifies and alerts users of abnormal business scenarios and fund transactions to remind them to handle them in a timely manner. When the security monitoring system crashes or experiences network anomalies, the security monitoring service can be taken offline without restarting. By configuring the security monitoring center in the supply chain finance platform or system, the system can achieve low invasiveness and high scalability, improving system availability and stability. Detailed Implementation

[0024] The technical solutions of this invention will be further described in detail below. Obviously, the described embodiments are only a part of the embodiments of this invention, and not all of them. All other embodiments obtained by those skilled in the art without creative effort are within the scope of protection of this invention.

[0025] It should be understood that although the terms first, second, third, etc. may be used here to describe individual elements, components and / or parts, these elements, components and / or parts are not limited by these terms.

[0026] A business anomaly monitoring method based on supply chain finance includes:

[0027] (1) Configure a monitoring center in the supply chain finance system. The monitoring center includes a gateway, a transaction center, a security monitoring center, and a message center. After the business application of the supply chain finance platform sends a transaction request, the transaction center receives the transaction request; or, after the capital business of the supply chain finance platform initiates a capital transaction application, the transaction center receives the transaction request.

[0028] (2) After the business application of the supply chain finance platform sends a transaction request, the transaction center receives the transaction request and determines whether the accounting switch of the security monitoring center is in the open state. If it is in the open state, it asynchronously initiates an accounting application and sets the transaction business status to "in transaction".

[0029] (3) The security monitoring center listens to the instruction messages issued by the transaction center, calls the security monitoring center interface, and performs verification rule checks on the business actions;

[0030] The method for checking the verification rules includes: the business application of the supply chain finance platform initiates a verification application asynchronously, the security monitoring center initializes the verification task, queries the rule details list for enabled rules, loads the accounting subjects and rules, performs rule judgment, and feeds back the verification result based on the judgment result;

[0031] (4) After the monitoring center performs the verification rule check, it performs data authentication of the check result and records the data after successful authentication. The monitoring center performs a periodic query authentication status task. The transaction center requests the security monitoring center to query the authentication result. If the authentication status is successful, a successful instruction message is sent to execute the next business operation. If the authentication status is unsuccessful, the business is terminated.

[0032] (5) Based on the results returned by the business party of the supply chain finance system, if the verification rule check result is passed, update the bill and the status of the scheduled task and the accounting is successful; if the verification rule check fails, update the bill and the status of the scheduled task, record the reason for the authentication failure, and save the transaction order and fund records.

[0033] (6) For business transactions and fund transactions that fail the verification rule check, the security monitoring center will issue an alarm notification.

[0034] Preferably, the security monitoring center includes a data security authentication module, a monitoring and alarm module, a rule factory module, and a data reporting module. The message center is connected to the monitoring and alarm module and sends message notifications to users and each module. The gateway is connected to the user interface. The internal services of the transaction center call the nodes of the security monitoring center through third-party plugins, use a heartbeat mechanism to transmit data in real time and verify it in the rule factory module. After verification, an abnormal data report is generated and a real-time message is sent through the message center.

[0035] Preferably, the security monitoring center further includes an accounting module, a bookkeeping module, a daily cut-off module, a subject module, and a rule engine module. When performing bookkeeping operations, the rule engine module performs rule checks and, after providing the rule check results, the subject module configures the subjects, the accounting module performs real-time accounting, the bookkeeping module performs single or batch bookkeeping, and pushes the bookkeeping results; the daily cut-off module executes a set daily cut-off timed task, the accounting module receives instructions to perform subject accounting, accounting entity accounting, and external system accounting, and then the bookkeeping module performs bookkeeping and pushes the bookkeeping results.

[0036] Preferably, the data security authentication module of the security monitoring center performs real-time authentication and parsing of transaction data, verifies the correctness of the data in real time, the rule factory dynamically loads rules, dynamically configures rules, receives instructions to manage rule queries, and manages the enabling, disabling and execution of rules, the data reporting module provides report information to the system backend, provides a data query interface to the data security authentication module, and displays abnormal data, and the monitoring and alarm module provides SMS alarms for data security authentication.

[0037] Preferably, the data from the transaction center is sent to the security monitoring center for data security authentication, interface checks, and basic parameter checks. If the basic parameter checks fail, the result is directly returned to the transaction center. If the basic parameter checks pass, rule checks are invoked. If the rule checks pass, a rule list is obtained from the verification rule library according to the business category, rule information is read, checks are performed according to the rule configuration, the check logic is executed, the check results are obtained, and persistence is invoked. The check results are judged, and the check result data is generated into a data report using a reporting tool. If the check results pass, the check success result is saved, and the result is returned to the transaction center. If the check results fail, the check failure result is saved, and a message notification interface is invoked to send a warning message. The warning message is sent to the transaction center via SMS or email.

[0038] Preferably, the rule information is stored in a database, providing specific rule information, including but not limited to execution order and method information; the database also includes a record table to store passing records, providing a basis for rule logic checks, and a failure record table to store data that failed the check logic.

[0039] Preferably, the rule factory includes an offline rule library. The rule factory receives external instructions to dynamically load and configure rules, enable or disable rules, and execute calls to the offline rule library.

[0040] Preferably, the implementation architecture of the business anomaly monitoring method based on supply chain finance includes an interface layer, an application layer, a domain layer, and a foundation layer. The foundation layer includes message notification and MySQL cluster and Redis cluster. The interface layer includes a user interface and API interface, which are connected. The application layer includes a data security authentication module, a rule factory module, a monitoring and alarm module, and a data reporting module. The domain layer includes aggregation services and domain services, and the aggregation services integrate entity and value objects.

[0041] Preferably, the implementation method of the business anomaly monitoring method based on supply chain finance is as follows: When the user clicks the user interface, the gateway sends a registration service to the Nacos service center registration cluster for registration, obtains the service list and returns it to the gateway, the transaction center sends service registration and discovery instructions to the Nacos service center registration cluster for registration, sends the data to one of the nodes of the security monitoring center, monitors the data in real time through a heartbeat mechanism, enters the rule factory module for verification, the verification result is returned to the transaction center, and fund transactions are monitored according to the verification result. Abnormal transactions are rejected from entering the fund pool, and an abnormal transaction report is generated for manual intervention.

[0042] Preferably, the transaction center is configured with a degradation switch, and the automatic refresh function in the Nacos service center is configured to enable the switch to call the security monitoring center. When the security monitoring center goes down or there is a network anomaly, the security monitoring center service is taken offline.

[0043] This invention enables secure monitoring of business transactions, records abnormal business scenarios in supply chain finance platforms and systems, verifies anomalies in business and transaction issues that cannot be detected in a timely manner during the operation of the supply chain finance system, implements risk control and business auditing functions through accounting, calls the switch of the security monitoring center in real time to perform rule checks, and notifies and alerts users of abnormal business scenarios and fund transactions to remind them to handle them in a timely manner. When the security monitoring system crashes or experiences network anomalies, the security monitoring service can be taken offline without restarting. By configuring the security monitoring center in the supply chain finance platform or system, the system can achieve low invasiveness and high scalability, improving system availability and stability.

[0044] The preferred embodiments disclosed above are merely illustrative of this specification. The optional embodiments do not exhaustively describe all details, nor do they limit the invention to the specific implementations described. Clearly, many modifications and variations can be made based on the content of this specification. These embodiments have been selected and specifically described in this specification to better explain the principles and practical applications of this specification, thereby enabling those skilled in the art to better understand and utilize this specification. This specification is limited only by the claims and their full scope and equivalents.

Claims

1. A business anomaly monitoring method based on supply chain finance, characterized in that, include: (1) Configure a monitoring center in the supply chain finance system. The monitoring center includes a gateway, a transaction center, a security monitoring center, and a message center. After the business application of the supply chain finance platform sends a transaction request, the transaction center receives the transaction request; or, after the capital business of the supply chain finance platform initiates a capital transaction application, the transaction center receives the transaction request. (2) After the business application of the supply chain finance platform sends a transaction request, the transaction center receives the transaction request and determines whether the accounting switch of the security monitoring center is in the open state. If it is in the open state, it asynchronously initiates an accounting application and sets the transaction business status to "in transaction". (3) The security monitoring center listens to the instruction messages issued by the transaction center, calls the security monitoring center interface, and performs verification rule checks on the business actions; The method for checking the verification rules includes: the business application of the supply chain finance platform initiates a verification application asynchronously, the security monitoring center initializes the verification task, queries the rule details list for enabled rules, loads the accounting subjects and rules, performs rule judgment, and feeds back the verification result based on the judgment result; (4) After the monitoring center performs the verification rule check, it performs data authentication of the check result and records the data after successful authentication. The monitoring center performs a periodic query authentication status task. The transaction center requests the security monitoring center to query the authentication result. If the authentication status is successful, a successful instruction message is sent to execute the next business operation. If the authentication status is unsuccessful, the business is terminated. (5) Based on the results returned by the business party of the supply chain finance system, if the verification rule check result is passed, update the transaction status and the scheduled task status, and the accounting is successful; if the verification rule check fails, update the transaction status and the scheduled task status, record the reason for the authentication failure, and save the transaction record. (6) For business transactions and fund transactions that fail the verification rule check, the security monitoring center will issue an alarm notification.

2. The business anomaly monitoring method based on supply chain finance according to claim 1, characterized in that, The security monitoring center includes a data security authentication module, a monitoring and alarm module, a rule factory module, and a data reporting module. The message center is connected to the monitoring and alarm module and sends message notifications to users and each module. The gateway is connected to the user interface. The internal services of the transaction center call the nodes of the security monitoring center through third-party plugins, use a heartbeat mechanism to transmit data in real time and verify it in the rule factory module. After verification, abnormal data is reported and real-time messages are sent through the message center.

3. The business anomaly monitoring method based on supply chain finance according to claim 1, characterized in that, The security monitoring center also includes an accounting module, a bookkeeping module, a daily cut-off module, a subject module, and a rule engine module. When performing bookkeeping operations, the rule engine module performs rule checks and, after providing the rule check results, the subject module configures the subjects, the accounting module performs real-time accounting, and the bookkeeping module performs single or batch bookkeeping and pushes the bookkeeping results. The daily cut-off module executes a set daily cut-off timed task. The accounting module receives instructions to perform subject accounting, accounting entity accounting, and external system accounting. After that, the bookkeeping module performs bookkeeping and pushes the bookkeeping results.

4. The business anomaly monitoring method based on supply chain finance according to claim 2, characterized in that, The data security authentication module of the security monitoring center performs real-time authentication and parsing of transaction data, and verifies the correctness of the data in real time. The rule factory module dynamically loads rules, dynamically configures rules, receives instructions to manage rule queries, and manages the enabling, disabling, and execution of rules. The data reporting module provides report information to the system backend, provides a data query interface for the data security authentication module, and displays abnormal data. The monitoring and alarm module provides SMS alarms for data security authentication.

5. A business anomaly monitoring method based on supply chain finance according to claim 1, characterized in that, The transaction center sends data to the security monitoring center for data security authentication, checks the interface, and performs basic parameter checks. If the basic parameter checks fail, the results are returned directly to the transaction center. After the basic parameter checks pass, rule checks are called. After the rule checks pass, the rule list is obtained from the verification rule library according to the business category, the rule information is read, the verification is performed according to the rule configuration, the verification logic is executed, the verification results are obtained, and the data is persisted. Judge the test results, generate a data report from the test results data through the reporting tool, and if the test results pass, save the test success result and return the result to the transaction center; If the inspection result fails, the inspection failure result is saved, and the message notification interface is called to send an early warning message. The early warning message is sent to the transaction center in the form of SMS or email.

6. A business anomaly monitoring method based on supply chain finance according to claim 5, characterized in that, The rule information is stored in a database, providing specific rule information, including but not limited to execution order and method information; the database also includes a pass record table to save pass records, providing a basis for rule logic checks, and a fail record table to save data that failed the check logic.

7. A business anomaly monitoring method based on supply chain finance according to claim 2, characterized in that, The rule factory module includes an offline rule library. The rule factory module receives external instructions to dynamically load and configure rules, enable or disable rules, and execute calls to the offline rule library.

8. The business anomaly monitoring method based on supply chain finance according to claim 1, characterized in that, The implementation architecture of the business anomaly monitoring method based on supply chain finance consists of an interface layer, an application layer, a domain layer, and a foundation layer. The foundation layer includes message notification and MySQL and Redis clusters. The interface layer includes a user interface and API interfaces, which are connected. The application layer includes a data security authentication module, a rule factory module, a monitoring and alarm module, and a data reporting module. The domain layer includes aggregation services and domain services, with the aggregation service integrating entity and value objects.

9. A business anomaly monitoring method based on supply chain finance according to claim 1, characterized in that, The implementation method of the business anomaly monitoring method based on supply chain finance is as follows: When the user clicks the user interface, the gateway sends a registration service to the Nacos service center registration cluster for registration, obtains the service list and returns it to the gateway, the transaction center sends service registration and discovery instructions to the Nacos service center registration cluster for registration, sends the data to one of the nodes of the security monitoring center, monitors the data in real time through a heartbeat mechanism, enters the rule factory module for verification, the verification result is returned to the transaction center, and fund transactions are monitored according to the verification result. Abnormal transactions are rejected from entering the fund pool, and an abnormal transaction report is generated for manual intervention.

10. A business anomaly monitoring method based on supply chain finance according to claim 1, characterized in that, The transaction center is configured with a degradation switch, and the Nacos service center is configured with an automatic refresh function to enable the switching of the security monitoring center. When the security monitoring center goes down or there is a network anomaly, the security monitoring center service is taken offline.