An Internet finance intelligent risk control system

Abstract

The present invention provides an Internet finance intelligent risk control system, which includes a financial platform and a risk control system. A platform access module is provided in the risk control system and is connected to the financial platform through the platform access module. The risk control system includes an outer-end user layer and an inner-end management layer. The outer-end user layer and the inner-end management layer are connected through a firewall. An outer-end application layer is provided between the firewall and the outer-end user layer, and an inner-end application layer is provided between the firewall and the inner-end management layer. The outer-end user layer includes a user module, a user verification module, and a permission management module. This kind of Internet finance intelligent risk control system is established in the form of outer-end - firewall - inner-end, that is, the outer-end user layer, the outer-end application layer, the firewall, the inner-end application layer, and the inner-end management layer. The data of the inner-end is separated from the outer-end through the firewall, thereby improving the security of data access and data storage. And it is connected to the financial platform through the platform access module, making the risk control system and the financial platform independent and separated.

Description

Technical Field

[0001] The present invention relates to the technical field of electronic transactions, and particularly to an Internet finance intelligent risk control system. Background Art

[0002] Internet finance is a service model that conducts financial business based on Internet technology. It refers to a new financial business model in which traditional financial institutions and Internet enterprises use Internet technology and information and communication technology to achieve fund financing, payment, investment, and information intermediary services. Internet finance is not a simple combination of the Internet and the financial industry, but rather a new model and new business that naturally emerges to meet new demands after users become familiar with and accept network technologies such as security and mobility (especially the acceptance of e-commerce). It is an emerging field that combines traditional financial industries with Internet technology;

[0003] With the rapid development of Internet and communication technologies, Internet finance has become the hottest topic in current society. Since Internet finance is the product of the combination of traditional finance and "Internet +", its healthy development must also follow the basic laws and requirements of the financial industry, and its core is still risk control;

[0004] Risk is an inherent characteristic of financial institutions' business, existing concomitantly with financial institutions. Moreover, in the context of "big data + artificial intelligence", the control platform itself also has risks such as data being attacked and stolen, which in turn makes the traditional risk control system have many limitations and inconveniences, resulting in the traditional risk control mode being unable to comprehensively control risks. Therefore, the present invention proposes an Internet finance intelligent risk control system to solve the problems existing in the prior art. Summary of the Invention

[0005] In view of the above problems, the object of the present invention is to propose an Internet finance intelligent risk control system. This Internet finance intelligent risk control system is established in the form of outer end - firewall - inner end, separating the data of the inner end from the outer end through the firewall, thereby enhancing the security of data access and data storage, and solving the above-mentioned defects still existing in the technical field of diagnostic systems.

[0006] To achieve the objectives of the present invention, the present invention is realized through the following technical solutions: It includes a financial platform and a risk control system. A platform access module is provided in the risk control system and is connected to the financial platform through the platform access module. The risk control system includes an external user layer and an internal management layer. The external user layer and the internal management layer are connected through a firewall. An external application layer is provided between the firewall and the external user layer, and an internal application layer is provided between the firewall and the internal management layer. The external user layer includes a user module, a user verification module, and a permission management module, and the external user layer is connected to the external application layer. The external application layer includes an operation module, a data processing module, a risk analysis module, and a credit rating module, and the external application layer is connected to the internal application layer. The internal application layer includes a database, a user rating module, and an alarm module, and the internal application layer is connected to the internal management layer. The internal management layer includes an administrator login module, an administrator control module, and a risk control strategy module.

[0007] A further improvement lies in that: The output end of the platform access module is connected to the input end of the user module, and the user module is composed of a user login unit and a user registration unit. The output ends of the user login unit and the user registration unit are both connected to the input end of the user verification module. The output end of the user verification module is connected to the input end of the permission management module. A permission management strategy is preset in the permission management module, and the permission management module is connected to the financial platform through the platform access module.

[0008] A further improvement lies in that: The input end of the operation module is connected to the user module, and the output end of the operation module is connected to the input end of the data processing module. The data processing module is composed of a data entry unit, a data query unit, and a data export unit. The output ends of the data entry unit, the data query unit, and the data are all connected to the database, and the output end of the database is connected to the input end of the data export unit.

[0009] A further improvement lies in that: The risk analysis module is composed of a transaction risk analysis unit, a user risk analysis unit, and a control unit. The transaction risk analysis unit is connected to the financial platform through the platform access module and monitors transaction operations. The input end of the transaction risk analysis unit is connected to the input end of the control unit, and the output end of the control unit is connected to the alarm module. The input end of the control unit is connected to the output end of the user risk analysis unit.

[0010] A further improvement lies in that: The output end of the credit rating module is connected to the database, and the input end of the credit rating module is connected to the user risk analysis unit. The user risk analysis unit is connected to the operation module and the database.

[0011] A further improvement lies in that: The external application layer further includes a data supplement module, and the output end of the data supplement module is connected to the database.

[0012] A further improvement lies in that: the output end of the administrator login module is connected to the input end of the administrator control module, and the administrator control module is composed of an administrator permission unit and an administrator operation unit. The output ends of the administrator permission unit and the administrator operation unit are both connected to the risk control strategy module, and the administrator operation unit is the operation terminal of the entire system.

[0013] A further improvement lies in that: the risk control strategy module has built-in risk control strategies, and the output end of the risk control strategy module is connected to the input end of the risk analysis module.

[0014] A further improvement lies in that: the user verification module includes identity information authentication, face recognition authentication, bank card information authentication, and network security authentication.

[0015] The beneficial effects of the present invention are as follows: This kind of Internet finance intelligent risk control system is established in the form of outer end - firewall - inner end, that is, the outer end user layer, the outer end application layer, the firewall, the inner end application layer, and the inner end management layer. The data in the inner end is separated from the outer end by the firewall, thereby improving the security of data access and data storage. And it is connected to the financial platform through the platform access module, making the risk control system and the financial platform independent and separate, avoiding the financial platform from affecting the operation of the risk control system, and further improving the overall security of the risk control system. Moreover, through the cooperation of the set risk control strategy module and the risk analysis module, it can replace the manual method, intelligently analyze and control the risks of both trading parties and users, thus being conducive to improving the accuracy and efficiency. BRIEF DESCRIPTION OF THE DRAWINGS

[0016] In order to more clearly illustrate the technical solutions in the embodiments of the present invention or the prior art, the following will briefly introduce the drawings required for use in the description of the embodiments or the prior art. Obviously, the drawings in the following description are only some embodiments of the present invention. For those of ordinary skill in the art, without creative efforts, other drawings can be obtained based on these drawings.

[0017] Figure 1 It is a schematic structural diagram of Embodiment 1 of the present invention. DETAILED DESCRIPTION OF THE EMBODIMENTS

[0018] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the drawings in the embodiments of the present invention. Obviously, the described embodiments are only some embodiments of the present invention, rather than all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those of ordinary skill in the art without creative efforts belong to the scope of protection of the present invention.

[0019] In the description of the present invention, it should be noted that, unless otherwise clearly specified and limited, the term "connection" should be understood in a broad sense. For example, it can be a fixed connection, a detachable connection, or an indirect connection through an intermediate medium. It can also be the communication inside two components. For those of ordinary skill in the art, the specific meaning of the above terms in the present invention can be understood according to specific circumstances.

[0020] Embodiment 1

[0021] According to Figure 1 As shown, this embodiment proposes a system including a financial platform and a risk control system. The risk control system is provided with a platform access module and is connected to the financial platform through the platform access module. The risk control system includes an outer user layer and an inner management layer. The outer user layer and the inner management layer are connected through a firewall. An outer application layer is provided between the firewall and the outer user layer, and an inner application layer is provided between the firewall and the inner management layer. The outer user layer includes a user module, a user verification module, and a permission management module, and the outer user layer is connected to the outer application layer. The outer application layer includes an operation module, a data processing module, a risk analysis module, and a credit rating module, and the outer application layer is connected to the inner application layer. The inner application layer includes a database, a user rating module, and an alarm module, and the inner application layer is connected to the inner management layer. The inner management layer includes an administrator login module, an administrator control module, and a risk control strategy module.

[0022] The output end of the platform access module is connected to the input end of the user module. The user module is composed of a user login unit and a user registration unit. The output ends of the user login unit and the user registration unit are both connected to the input end of the user verification module. The output end of the user verification module is connected to the input end of the permission management module. A permission management strategy is preset in the permission management module, and the permission management module is connected to the financial platform through the platform access module. During the risk control process, this system intervenes in the user login of the financial platform. After the user logs in, the risk analysis module can monitor the user's operation data and personal information. The user verification module mainly compares the user's personal information with the information filled in during registration to ensure the accuracy of information among users, avoid fraud and other situations, and ensure the authenticity of user information during the transaction process. At the same time, the set permission management module limits the user's permissions, so that users who pass different certifications can open corresponding permissions, while users who do not pass the certification will have corresponding permissions restricted, and thus some users can be screened at the initial stage.

[0023] The input end of the operation module is connected to the user module, and the output end of the operation module is connected to the input end of the data processing module. The data processing module consists of a data entry unit, a data query unit, and a data export unit. The output ends of the data entry unit, the data query unit, and the data are all connected to the database, and the output end of the database is connected to the input end of the data export unit. The operation module is mainly used to facilitate user operations. Its functions are not only limited to data entry, query, and export, but other functions can also be added. The main purpose of the data entry unit is to facilitate users to enter information about their customers, and the entered information will be stored in the database.

[0024] The risk analysis module consists of a transaction risk analysis unit, a user risk analysis unit, and a control unit. The transaction risk analysis unit is connected to the financial platform through the platform access module and monitors transaction operations. The input end of the transaction risk analysis unit is connected to the control unit, and the output end of the control unit is connected to the alarm module. The input end of the control unit is connected to the output end of the user risk analysis unit. Among them, the transaction risk analysis unit mainly monitors and analyzes the accounts and transactions of both parties in real time during the business process to minimize the loss risk caused by fraud to both parties. The risk analysis module conducts control according to the set risk control strategies. When a situation corresponding to the risk control strategy occurs, further control is carried out through the control unit, and an information alarm is sent through the alarm module. Among them, the target of the information alarm can be both parties to the transaction or the online person in charge of the system, and manual intervention is required for control to avoid more losses.

[0025] The output end of the credit rating module is connected to the database, and the input end of the credit rating module is connected to the user risk analysis unit. The user risk analysis unit is connected to the operation module and the database. The credit rating module mainly conducts credit rating on users based on the analysis results of the user risk analysis unit, and the credit rating can also be viewed by other users. The user risk analysis unit mainly conducts risk analysis based on the information provided during user registration and the authorized data. The authorized data includes credit investigation data, social security data, tax data, etc.

[0026] The external application layer also includes a data supplement module, and the output end of the data supplement module is connected to the database.

[0027] The output end of the administrator login module is connected to the input end of the administrator control module. The administrator control module consists of an administrator permission unit and an administrator operation unit. The output ends of the administrator permission unit and the administrator operation unit are both connected to the risk control strategy module, and the administrator operation unit is the operation terminal of the entire system.

[0028] The risk control strategy module has built-in risk control strategies, and the output end of the risk control strategy module is connected to the input end of the risk analysis module.

[0029] The user verification module includes identity information authentication, face recognition authentication, bank card information authentication, and network security authentication.

[0030] Embodiment 2

[0031] In this embodiment, the inner application layer further includes a log module and a log risk monitoring module. The log module is mainly used to record the logs generated during the system operation, and the logs to be recorded include the operation status of the system and the operation status of the user. And it is monitored by the log risk monitoring module. For example, when the same user performs frequent invalid operations within a certain period of time, this situation will be recorded and fed back to the corresponding person in charge through the alarm module.

[0032] This system is established in the form of outer end - firewall - inner end, that is, the outer end user layer, the outer end application layer, the firewall, the inner end application layer, and the inner end management layer. The data of the inner end is separated from the outer end by the firewall, so as to improve the security of data access and data storage. And it is connected to the financial platform through the platform access module, so that the risk control system and the financial platform are independently separated, avoiding the financial platform from affecting the operation of the risk control system, and further improving the overall security of the risk control system. Then, through the cooperation of the set risk control strategy module and the risk analysis module, it can replace the manual method and intelligently analyze and control the risks of both trading parties and users, thus helping to improve the accuracy and efficiency.

[0033] The above shows and describes the basic principles, main features, and advantages of the present invention. Those skilled in the art should understand that the present invention is not limited by the above embodiments. What is described in the above embodiments and the specification only illustrates the principles of the present invention. Without departing from the spirit and scope of the present invention, the present invention will have various changes and improvements, and these changes and improvements fall within the scope of the present invention claimed. The scope of protection claimed by the present invention is defined by the appended claims and their equivalents.

Claims

1. An Internet finance intelligent risk control system, comprising a financial platform and a risk control system. A platform access module is provided in the risk control system and is connected to the financial platform through the platform access module. It is characterized in that: The risk control system includes an external user layer and an internal management layer. The external user layer and the internal management layer are connected through a firewall. An external application layer is provided between the firewall and the external user layer, and an internal application layer is provided between the firewall and the internal management layer. The external user layer includes a user module, a user authentication module, and a permission management module, and the external user layer is connected to the external application layer. The external application layer includes an operation module, a data processing module, a risk analysis module, and a credit rating module, and the external application layer is connected to the internal application layer. The internal application layer includes a database, a user rating module, and an alarm module, and the internal application layer is connected to the internal management layer. The internal management layer includes an administrator login module, an administrator control module, and a risk control strategy module. The output end of the platform access module is connected to the input end of the user module, and the user module consists of a user login unit and a user registration unit. The output ends of the user login unit and the user registration unit are both connected to the input end of the user authentication module. The output end of the user authentication module is connected to the input end of the permission management module. A permission management strategy is preset in the permission management module, and the permission management module is connected to the financial platform through the platform access module. The risk analysis module consists of a transaction risk analysis unit, a user risk analysis unit, and a control unit. The transaction risk analysis unit is connected to the financial platform through the platform access module and monitors transaction operations. The input ends of the transaction risk analysis unit and the control unit are connected, and the output end of the control unit is connected to the alarm module. The input end of the control unit is connected to the output end of the user risk analysis unit. The output end of the credit rating module is connected to the database, and the input end of the credit rating module is connected to the user risk analysis unit. The user risk analysis unit is connected to the operation module and the database. The input end of the operation module is connected to the user module, and the output end of the operation module is connected to the input end of the data processing module. The data processing module consists of a data entry unit, a data query unit, and a data export unit. The output ends of the data entry unit and the data query unit are both connected to the database, and the output end of the database is connected to the input end of the data export unit.

2. The Internet financial intelligent risk control system according to claim 1, wherein: The external application layer further includes a data supplement module, and the output end of the data supplement module is connected to the database.

3. An Internet financial intelligent risk control system according to claim 1, characterized in that: The output end of the administrator login module is connected to the input end of the administrator control module, and the administrator control module consists of an administrator permission unit and an administrator operation unit. The output ends of the administrator permission unit and the administrator operation unit are both connected to the risk control strategy module, and the administrator operation unit is the operation terminal of the entire system.

4. An Internet financial intelligent risk control system according to claim 3, characterized in that: The risk control strategy module has a risk control strategy built in, and the output end of the risk control strategy module is connected to the input end of the risk analysis module.

5. An Internet finance intelligent risk control system according to claim 1, characterized in that: The user authentication module includes identity information authentication, face recognition authentication, bank card information authentication, and network security authentication.

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