A method and system for digital processing of financial services based on a server

Abstract

The present invention relates to the field of automated financial processing technology, specifically a server-based financial business digital processing method and system, comprising the following steps: based on a differentiated server environment, configuring a security protocol and data encryption standard for financial business, processing encrypted data through a server and maintaining communication security, and obtaining a secure communication environment. In the present invention, by performing data encryption in financial business and converting plaintext asset data into an encrypted format, data leakage and unauthorized access in digital processing can be effectively prevented, asset allocation is performed by encrypting financial data, and calculations are performed directly in an encrypted state, which significantly improves processing speed and data security, and by applying an encrypted risk assessment model, potential risks are calculated directly on encrypted data, providing more accurate risk management and revenue forecasting, enhancing the real-time and accuracy of financial decision-making, and providing financial institutions with a more efficient and secure service experience.

Description

Technical Field

[0001] The present invention relates to the technical field of automated financial processing, and in particular to a server-based financial business digital processing method and system. Background Art

[0002] The field of automated financial processing technology involves the use of computer systems and software to automatically perform financial services and manage financial transactions, including payment processing, credit approval, asset management, risk assessment and customer relationship management. Automated systems improve processing speed, accuracy and efficiency by reducing human intervention, while also enhancing security. Algorithms and models are used to perform complex calculations and data analysis to optimize financial decisions. Automated financial processing technology is a core part of the FinTech field and is widely used in banks, securities, insurance and financial institutions.

[0003] Among them, the digital processing method of financial business refers to the technical method of managing and processing financial transactions and services by using software and hardware resources located on central or distributed servers, enabling financial institutions to provide continuous services on a global scale while maintaining centralized management and analysis of data. The main uses include performing online transaction processing, real-time data analysis, customer information management and compliance monitoring. Through digital processing, the reliability and access speed of services are improved, errors and costs are reduced, and the ability to respond to customer needs and market changes is increased.

[0004] Although existing automated financial processing technologies can provide a certain degree of automated services, they rely on insufficiently encrypted data processing methods, which leads to security risks and data leakage when processing sensitive financial data. Traditional financial automation systems fail to effectively integrate real-time data analysis and immediate risk assessment when processing high-speed batches of financial transaction data, limiting the system's response speed and accuracy in responding to rapid market changes. Due to insufficient technology, financial institutions face problems such as increased operational risks and insufficient customer data protection. For example, in a system that does not implement full encryption processing, once it is attacked by a cyber attack, customers' financial information and transaction data are easily leaked, resulting in significant financial losses and reputation damage. Summary of the invention

[0005] The purpose of the present invention is to solve the shortcomings of the prior art and to propose a server-based financial business digital processing method and system.

[0006] In order to achieve the above object, the present invention adopts the following technical solution, a server-based financial business digital processing method, comprising the following steps:

[0007] S1: Based on the differentiated server environment, configure the security protocol and data encryption standard of financial services, process encrypted data through the server and maintain communication security to obtain a secure communication environment;

[0008] S2: Perform data encryption on financial services according to the secure communication environment, convert plaintext asset data into encrypted format, verify the security and privacy protection of data in digital processing, and generate encrypted financial data;

[0009] S3: Execute the allocation calculation of the digital assets of the financial business through the encrypted financial data, perform asset allocation on the encrypted data, avoid the need for data decryption, verify the confidentiality of the investment portfolio, and generate the encrypted asset allocation result;

[0010] S4: Perform risk assessment on the encrypted asset allocation result, apply the encrypted risk assessment model to the encrypted financial business digital data assets, calculate potential risks, and generate a risk assessment value;

[0011] S5: Calculate the income of the financial business using the risk assessment value, make income forecasts based on the encrypted market data, calculate the relationship between the expected income and market fluctuations, and generate income forecast analysis results;

[0012] S6: According to the profit forecast analysis results, the management plan of the financial business is adjusted, digital processing is performed through the server to avoid leakage of encrypted data, and a financial business investment strategy is generated.

[0013] As a further solution of the present invention, the secure communication environment includes a server setting configured with encryption protocols, two-factor authentication and firewall protection, the encrypted financial data includes encryption processing of the customer's bank account information, investment records and personal asset distribution, the encrypted asset allocation results include the proportion of assets allocated to multiple types of investment tools and expected return analysis, the risk assessment value includes market volatility assessment, credit risk rating and predicted probability of investment failure, the return forecast analysis results include expected return range, investment return rate forecast and potential market risk factor analysis, and the financial business investment strategy includes strategies for adjusting the proportion of financial business asset categories, adjusting investment timing and optimizing risk tolerance levels.

[0014] As a further solution of the present invention, based on a differentiated server environment, the security protocol and data encryption standard of the financial service are configured, and the server processes the encrypted data and maintains the communication security. The steps of obtaining a secure communication environment are specifically as follows:

[0015] S101: Based on the differentiated server environment, evaluate the real-time server hardware configuration, including multi-core processors and extended memory, configure the server according to the hardware resources and process the batch data encryption task to obtain the server hardware configuration;

[0016] S102: According to the server hardware configuration, install the network security protocol, activate the end-to-end data encryption transmission function, configure the virtual private network and physical firewall, isolate and protect the data channel, and generate the encryption channel settings;

[0017] S103: Through the encryption channel setting, the digital data of financial services is monitored, and the data packets entering and leaving the server are checked in real time to avoid unauthorized access and obtain a secure communication environment.

[0018] As a further solution of the present invention, according to the secure communication environment, data encryption is performed on financial services, plain text asset data is converted into an encrypted format, and the security and privacy protection of data in digital processing are verified. The steps of generating encrypted financial data are specifically as follows:

[0019] S201: According to the secure communication environment, select an encryption protocol for digital processing of financial business data, configure parameters of the encryption protocol on the server, including key length and encryption mode, check the encryption strength of the financial business data, and generate an encryption protocol configuration;

[0020] S202: Based on the encryption protocol configuration, encrypt the client's plain text asset data, convert the bank account number, investment record and personal asset data into an encrypted format, verify the confidentiality of the data when it is stored and processed on the server, and generate an encrypted record of the asset data;

[0021] S203: Using the encrypted records of the asset data, conduct security verification tests, including simulating external attacks and internal data leakage scenarios, checking the anti-attack capabilities of the encrypted data, identifying the efficiency of the encryption measures, and obtaining encrypted financial data.

[0022] As a further solution of the present invention, the steps of performing the allocation calculation of the digital assets of the financial business through the encrypted financial data, performing asset allocation on the encrypted data, avoiding the need for data decryption, verifying the confidentiality of the investment portfolio, and generating the encrypted asset allocation result are specifically as follows:

[0023] S301: Based on the encrypted financial data, using elliptic curve cryptography technology, configuring asset management of financial services, using the server to perform calculations without decrypting the data, setting algorithm parameters for asset allocation, including asset type, ratio, and risk level, and generating a homomorphic encryption configuration;

[0024] S302: Using the homomorphic encryption configuration, digital processing of financial services is performed to calculate asset allocation of multiple asset classes, including stocks, bonds, and cash, and differentiated investment portfolios are performed according to the investment needs of customers, the confidentiality of the investment portfolio is verified, and the asset allocation calculation results are generated;

[0025] S303: Utilize the asset allocation calculation result to perform confidentiality verification, test whether the asset allocation result can be displayed in an undecrypted state, avoid identifying financial business assets from encrypted data, and obtain encrypted asset allocation results.

[0026] As a further solution of the present invention, the formula of the elliptic curve cryptography technology is as follows:

[0027] ;

[0028] in, is the square of the ordinate of the point on the curve, x is the abscissa on the curve, a and b are the coefficients of the elliptic curve, c is the logarithmic adjustment parameter, d is the risk adjustment coefficient, and k is the asset risk level code.

[0029] As a further solution of the present invention, a risk assessment is performed on the encrypted asset allocation result, and the encrypted risk assessment model is applied to the encrypted financial business digital data assets to calculate the potential risks. The steps of generating the risk assessment value are specifically as follows:

[0030] S401: Construct a risk assessment model for cryptographic data analysis based on the encrypted asset allocation result, configure model parameters, including risk tolerance and expected rate of return, match differentiated investment needs and market changes, and generate a risk assessment model configuration;

[0031] S402: Based on the risk assessment model configuration, calculate the potential risks of the assets of the encrypted financial business, digitize the financial business, and evaluate market volatility, credit risk and liquidity risk of the investment portfolio to generate risk calculation results;

[0032] S403: Using the risk calculation results, verify the risk assessment, test the practicality of the risk analysis results of the financial business, optimize the investment decisions of investors and managers, and obtain the risk assessment value.

[0033] As a further solution of the present invention, the risk assessment value is used to calculate the income of the financial business, the income forecast is performed based on the encrypted market data, the relationship between the expected income and market fluctuations is calculated, and the steps of generating the income forecast analysis result are specifically as follows:

[0034] S501: According to the risk assessment value, select a profit calculation model applicable to encrypted data, set the expected rate of return, investment period and market volatility parameters, make profit forecasts according to differentiated market conditions, and generate a profit forecast model configuration;

[0035] S502: using the revenue prediction model configuration, executing revenue calculation, evaluating the relationship between expected revenue and market fluctuations, including the impact of stock market fluctuations, interest rate changes and economic indicators, while keeping data encrypted, and generating expected revenue calculation results;

[0036] S503: Analyze the profit forecast using the expected profit calculation result, verify the consistency of the forecast and the responsiveness to market fluctuations, optimize investment decisions based on the profit forecast information, and obtain profit forecast analysis results.

[0037] As a further solution of the present invention, according to the profit forecast analysis results, the management plan of the financial business is adjusted, and the steps of digital processing by the server to avoid leakage of encrypted data and generate the financial business investment strategy are specifically as follows:

[0038] S601: Based on the income forecast analysis result, analyzing the deviation between the performance of the real-time investment portfolio and the market forecast, determining the investment elements that need to be adjusted, including the financial business asset allocation ratio and risk tolerance level, and generating adjustment demand analysis results;

[0039] S602: Using the adjustment demand analysis result, using the server to adjust investment strategy parameters, including adjusting the proportion of fixed income products and adjusting equity investment, and generating investment adjustment records;

[0040] S603: Through the investment adjustment record, according to the market development and risk assessment of the financial business, the investment direction of managers and customers is optimized, and the leakage of encrypted financial business data is avoided to obtain the financial business investment strategy.

[0041] A server-based financial business digital processing system, the server-based financial business digital processing system is used to execute the above-mentioned server-based financial business digital processing method, the system comprises:

[0042] The security configuration module deploys and activates security protocols and data encryption standards for financial services based on differentiated server environments, verifies data integrity and privacy protection during transmission and storage, and generates a secure communication environment.

[0043] The asset encryption module converts the client's plaintext asset data into an encrypted format based on the secure communication environment, uses the encryption function of the server to perform data conversion, and generates encrypted financial data;

[0044] The asset adjustment module sets the calculation parameters of asset allocation, including asset type, allocation ratio and risk level, through the encrypted financial data, and uses the processing power of the server to perform asset allocation without decrypting the data, and generates an encrypted asset allocation result;

[0045] The risk identification module uses the encrypted asset allocation results to deploy an encrypted risk assessment model, calculate the potential risks of multiple types of assets, and generate a risk assessment value;

[0046] The income prediction module makes income predictions based on the risk assessment value, calculates the relationship between expected income and market fluctuations according to market data and encrypted risk information, uses the processing power of the server to calculate the investment portfolio, and generates financial business investment strategies.

[0047] Compared with the prior art, the advantages and positive effects of the present invention are:

[0048] In the present invention, by executing the security configuration and data encryption of the differentiated server environment, the security and privacy protection of financial services are improved, so that the security of financial data during transmission and storage is significantly enhanced. Performing data encryption in financial services and converting plaintext asset data into encrypted format can effectively prevent data leakage and unauthorized access in digital processing. By encrypting financial data to perform asset allocation and risk assessment, the need for data decryption is avoided, and calculations are performed directly in an encrypted state, which significantly improves processing speed and data security. By applying an encrypted risk assessment model, potential risks are calculated directly on encrypted data, providing more accurate risk management and profit prediction. The improvement of processing logic not only protects the security of data, but also enhances the real-time and accuracy of financial decision-making, providing financial institutions with a more efficient and secure service experience. BRIEF DESCRIPTION OF THE DRAWINGS

[0049] Figure 1 It is a schematic diagram of the workflow of the present invention;

[0050] Figure 2 This is a detailed flow chart of S1 of the present invention;

[0051] Figure 3 This is a detailed flow chart of S2 of the present invention;

[0052] Figure 4 This is a detailed flow chart of S3 of the present invention;

[0053] Figure 5 This is a detailed flow chart of S4 of the present invention;

[0054] Figure 6 This is a detailed flow chart of S5 of the present invention;

[0055] Figure 7 This is a detailed flow chart of S6 of the present invention;

[0056] Figure 8 It is a system flow chart of the present invention. DETAILED DESCRIPTION

[0057] In order to make the purpose, technical solution and advantages of the present invention more clearly understood, the present invention is further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present invention and are not intended to limit the present invention.

[0058] In the description of the present invention, it should be understood that the terms "length", "width", "up", "down", "front", "back", "left", "right", "vertical", "horizontal", "top", "bottom", "inside", "outside" and the like indicate positions or positional relationships based on the positions or positional relationships shown in the drawings, and are only for the convenience of describing the present invention and simplifying the description, rather than indicating or implying that the device or element referred to must have a specific orientation, be constructed and operated in a specific orientation, and therefore cannot be understood as limiting the present invention. In addition, in the description of the present invention, "multiple" means two or more, unless otherwise clearly and specifically defined.

[0059] See also Figure 1 The present invention provides a technical solution, a server-based financial business digital processing method, comprising the following steps:

[0060] S1: Based on the differentiated server environment, configure the security protocols and data encryption standards of financial services, process encrypted data through the server and maintain communication security, isolate and protect data channels, and obtain a secure communication environment;

[0061] S2: After the financial business data is input into the server according to the secure communication environment, data encryption is performed to convert the plain text asset data into an encrypted format, verify the security and privacy protection of the data in digital processing, and generate encrypted financial data;

[0062] S3: By encrypting financial data, performing the allocation calculation of digital assets of financial business, allocating assets on encrypted data, avoiding the need for data decryption, verifying the confidentiality of the investment portfolio, and generating encrypted asset allocation results;

[0063] S4: Perform risk assessment on the encrypted asset allocation results, apply the encrypted risk assessment model to the encrypted financial business digital data assets, calculate the potential risks, and generate a risk assessment value;

[0064] S5: Use risk assessment values ​​to calculate the returns of financial services, make revenue forecasts based on encrypted market data, calculate the relationship between expected returns and market fluctuations, including the impact of stock market fluctuations, interest rate changes and economic indicators, and generate revenue forecast analysis results;

[0065] S6: According to the results of the profit forecast analysis, adjust the management plan of the financial business, perform digital processing through the server, adjust the proportion of fixed income products and adjust equity investment, avoid the leakage of encrypted data, and generate financial business investment strategies.

[0066] The secure communication environment includes server settings that configure encryption protocols, two-factor authentication, and firewall protection. Encrypted financial data includes encryption of customers' bank account information, investment records, and personal asset distribution. The encrypted asset allocation results include the proportion of assets allocated to multiple types of investment tools and expected return analysis. The risk assessment value includes market volatility assessment, credit risk rating, and predicted probability of investment failure. The return forecast analysis results include expected return range, investment return rate forecast, and potential market risk factor analysis. Financial business investment strategies include strategies for adjusting the proportion of financial business asset categories, adjusting investment timing, and optimizing risk tolerance levels.

[0067] See also Figure 2 , based on the differentiated server environment, configure the security protocol and data encryption standard of financial services, process encrypted data through the server and maintain communication security. The specific steps to obtain a secure communication environment are:

[0068] S101: Based on the differentiated server environment, evaluate the real-time server hardware configuration, including multi-core processors and extended memory, configure the server according to the hardware resources and process the batch data encryption task, and obtain the execution process of the server hardware configuration as follows;

[0069] Based on the differentiated server environment, considering that the hardware configuration of the real-time server is to handle high-intensity tasks such as batch data encryption, it is necessary to evaluate the hardware configuration of the current server environment. This includes the performance evaluation of multi-core processors, the adequacy of memory capacity, and the read and write speed of the storage system. By collecting and analyzing hardware parameters, it is possible to determine whether the server has the ability to handle the required tasks. Especially in data-intensive operations such as data encryption processing, optimizing the hardware configuration is the key to ensuring efficiency and responsiveness. The server hardware configuration is obtained using the formula:

[0070] ;

[0071] in, Indicates the adaptability score of the server hardware configuration. Indicates the number of cores and speed of the processor, Indicates the available memory size. Indicates the storage read and write speed. , and is the weight factor of each hardware parameter.

[0072] S102: According to the server hardware configuration, the network security protocol is installed, the end-to-end data encryption transmission function is activated, and the virtual private network and physical firewall are configured to isolate and protect the data channel. The execution process of generating the encryption channel setting is as follows;

[0073] According to the server hardware configuration, install and configure the network security protocol, including starting the end-to-end data encryption transmission function to ensure that all incoming and outgoing data are encrypted to protect the security and integrity of the data. Configure a virtual private network (VPN) and a physical firewall to further isolate and protect the data channel to prevent potential network attacks and unauthorized access, and generate the encryption channel settings using the formula:

[0074] ;

[0075] in, Indicates the security score of the encryption channel setting. Indicates the strength of end-to-end encryption, Indicates the configuration effect of VPN. Indicates the security level of the firewall. , and is the weight factor of each safety measure.

[0076] S103: By setting up an encrypted channel, the digital data of financial services is monitored, and the data packets entering and leaving the server are checked in real time to avoid unauthorized access. The execution process of obtaining a secure communication environment is as follows;

[0077] Through the setting of encrypted channels, the digital data of financial business is closely monitored, and all data packets entering and leaving the server are checked in real time to ensure that all data transmission is authorized and verified. The process involves network monitoring technology and advanced intrusion detection systems to avoid any unauthorized access and potential data leakage risks, and obtain a secure communication environment. The formula used is:

[0078] ;

[0079] in, Indicates the stability score of the secure communication environment, Indicates the coverage and efficiency of data monitoring, Indicates the strictness of authorized access control. and is the weight factor of each monitoring measure.

[0080] See also Figure 3, according to the secure communication environment, perform data encryption on financial services, convert plaintext asset data into encrypted format, verify the security and privacy protection of data in digital processing, and the specific steps for generating encrypted financial data are:

[0081] S201: According to the secure communication environment, an encryption protocol for digital processing of financial business data is selected, and parameters of the encryption protocol on the server are configured, including key length and encryption mode, and the encryption strength of the financial business data is checked. The execution flow of generating the encryption protocol configuration is as follows;

[0082] According to the secure communication environment, it is key to select an encryption protocol suitable for financial business data processing, including determining the most suitable encryption protocol type and configuring relevant parameters on the server, such as key length and encryption mode. Selecting the correct key length and encryption mode can enhance the security of financial data and prevent unauthorized access and data leakage. The selection of each protocol needs to be optimized based on data sensitivity and business needs to ensure that the encryption strength of financial data during transmission and storage meets security standards and generate encryption protocol configuration using the formula:

[0083] ;

[0084] in, Indicates the suitability score of the encryption protocol configuration. Indicates the key length, Indicates the encryption mode. and is the weight factor of each configuration parameter.

[0085] S202: Based on the encryption protocol configuration, the client's plain text asset data is encrypted, the bank account number, investment record and personal asset data are converted into an encrypted format, the confidentiality of the data when it is stored and processed on the server is verified, and the execution process of generating an encrypted record of the asset data is as follows;

[0086] Based on the encryption protocol configuration, encrypting the customer's sensitive asset data is the core link to protect customer privacy and financial security. Plain text data such as bank account numbers, investment records and personal assets are converted into encrypted format. Use the configured encryption protocol to ensure that the data maintains confidentiality and security during storage and processing on the server. Verify the encryption quality of the data to ensure that it remains encrypted and secure under any unauthorized access, and generate encrypted records of asset data using the formula:

[0087] ;

[0088] in, Represents the security score of encrypted data, is the cryptographic quality indicator of the i-th asset data, U is the total number of asset categories, It is the unified evaluation coefficient of encryption effect.

[0089] S203: Using the encrypted records of asset data, a security verification test is performed, including simulating external attacks and internal data leakage scenarios, checking the anti-attack capability of the encrypted data, identifying the efficiency of the encryption measures, and obtaining the execution process of encrypted financial data as follows;

[0090] Using encrypted records of asset data to conduct security verification tests is an important part of evaluating the effectiveness of encryption measures. By simulating external attacks and internal data leakage scenarios, the anti-attack capabilities of encrypted data are tested. The test includes attempts to crack encrypted data, simulate illegal access by internal personnel, etc., to ensure the effectiveness and robustness of encryption measures under various threat scenarios, and obtain encrypted financial data using the formula:

[0091] ;

[0092] in, Represents the comprehensive score of the safety verification test, is the performance of encrypted data against attacks in the jth test scenario, m is the total number of test scenarios, is the weight coefficient of the test effect.

[0093] See also Figure 4 , by encrypting financial data, executing the allocation calculation of digital assets of financial business, allocating assets on encrypted data, avoiding the need for data decryption, verifying the confidentiality of the investment portfolio, and generating the encrypted asset allocation results. The specific steps are:

[0094] S301: Based on encrypted financial data, elliptic curve cryptography technology is used to configure asset management of financial services, and the server is used to perform calculations without decrypting data. The algorithm parameters for asset allocation, including asset type, ratio, and risk level, are set, and the execution process of generating homomorphic encryption configuration is as follows;

[0095] Based on encrypted financial data, the key is to use elliptic curve cryptography combined with homomorphic encryption to configure asset management for financial services. Homomorphic encryption allows calculations to be performed while the data remains encrypted, which is particularly important for processing highly sensitive financial data. By setting specific algorithm parameters such as asset type, allocation ratio, and risk level, the security and efficiency of the asset management process can be ensured. Not only does it protect the security of data, it also improves processing efficiency because the server can directly perform calculations without decrypting the data to generate a homomorphic encryption configuration.

[0096] The formula for elliptic curve cryptography is as follows:

[0097] ;

[0098] in, is the square of the ordinate of the point on the curve, x is the abscissa on the curve, a and b are the coefficients of the elliptic curve, c is the logarithmic adjustment parameter, d is the risk adjustment coefficient, and k is the asset risk level code.

[0099] The execution flow is as follows:

[0100] The values ​​of a, b, c and d are selected. The selection of c is based on the sensitivity of the asset type coding to increase the complexity of encryption, while d is adjusted according to the asset risk level to ensure that assets of different risk levels receive different levels of security treatment. For each asset, encode x, calculate the value of y, and combine the effects of log(x+1) and k to further adjust the value of y to provide stronger security and adaptability to asset risks, thereby generating security parameters for encrypted assets.

[0101] S302: Using homomorphic encryption configuration, digital processing of financial services is performed to calculate asset allocation of multiple asset classes, including stocks, bonds, and cash, and differentiated investment portfolios are made according to the investment needs of customers, and the confidentiality of the investment portfolio is verified. The execution process of generating asset allocation calculation results is as follows;

[0102] It is crucial to use homomorphic encryption configuration to digitize financial business and calculate the allocation of multiple types of assets. Using advanced homomorphic encryption technology, we can calculate differentiated investment portfolios based on customers' investment needs while ensuring data confidentiality. Including different types of assets such as stocks, bonds and cash, we can provide customers with personalized investment advice without exposing specific investment details and generate asset allocation calculation results. The formula used is:

[0103] ;

[0104] in, The score representing the calculated result of asset allocation, It is Types of assets, It is the encrypted customer information. is the processing function, is the number of asset types;

[0105] function Calculations are performed for each asset and related data. The specific calculation process depends on Definition, The function multiplies the asset value by the expected rate of return,

[0106] Assumption: Asset 1 is currently worth 100 yuan, with an expected annual rate of return of 10%, and Asset 2 is currently worth 50 yuan, with an expected annual rate of return of 5%.

[0107] ;

[0108] ;

[0109] .

[0110] S303: Confidentiality verification is performed using the asset allocation calculation result to test whether the asset allocation result can be displayed in an undecrypted state to avoid identifying financial business assets from encrypted data. The execution process of obtaining the encrypted asset allocation result is as follows;

[0111] The asset allocation calculation results are used for confidentiality verification. The confidentiality verification test ensures that the asset allocation results can be displayed correctly even in an encrypted state, and verifies that no sensitive information about financial assets can be revealed from the encrypted data. By simulating external attacks and data leakage scenarios, the security and practicality of homomorphic encryption technology in actual applications are verified, and the encrypted asset allocation results are obtained using the formula:

[0112] ;

[0113] in, Represents the confidentiality score of the encrypted asset allocation result, It is a test scene The weight factor of It is Encrypted test data, is the confidentiality check function, is the number of test scenarios;

[0114] is the hash value of the encryption function of block k,

[0115] Assume there are three encrypted data blocks, the number and encrypted hash value of each block are as follows:

[0116] Block 1: , Hash value ;

[0117] Block 2: , Hash value ;

[0118] Block 3: , Hash value ;

[0119] .

[0120] See also Figure 5 , perform risk assessment on the encrypted asset allocation results, apply the encrypted risk assessment model to the encrypted financial business digital data assets, calculate the potential risks, and generate the risk assessment value in the following steps:

[0121] S401: Through the encrypted asset allocation results, a risk assessment model for encrypted data analysis is constructed, and the model parameters are configured, including risk tolerance and expected rate of return, to match differentiated investment needs and market changes. The execution process of generating the risk assessment model configuration is as follows;

[0122] It is crucial to build a risk assessment model for encrypted data analysis through the encrypted asset allocation results. The process involves the parameter configuration of the model, including setting risk tolerance and expected rate of return to ensure that the model can effectively match the differentiated investment needs of different investors and respond to market changes. The risk assessment model can provide opinions on the risks and returns faced by various assets while maintaining data encryption, and generate risk assessment model configuration using the formula:

[0123] ;

[0124] in, represents the configuration adaptability score of the risk assessment model, are the risk and reward parameters The weight factor of and represent risk tolerance and expected rate of return, respectively. is the configuration function, is the number of parameters;

[0125] is a function that takes into account the tolerance of a specific configuration and returns ,

[0126] Assume there are three configurations, and the weight, tolerance, and reward of each configuration are as follows:

[0127] Configuration 1: ;

[0128] Configuration 2: ;

[0129] Configuration 3: ;

[0130] set up for ,So:

[0131]

[0132] S402: Based on the risk assessment model configuration, the potential risks of the assets of the crypto-financial business are calculated, the financial business is digitized, and the market volatility, credit risk and liquidity risk of the investment portfolio are evaluated. The execution process of generating the risk calculation results is as follows;

[0133] Based on the risk assessment model configuration, the potential risk calculation of encrypted financial business assets is carried out, and the homomorphic encryption technology is used to ensure that the financial data is not decrypted during the entire calculation process. The focus is on the comprehensive evaluation of factors such as market volatility, credit risk and portfolio liquidity risk, ensuring that the digital processing of financial business can accurately reflect potential risks while maintaining confidentiality and generate risk calculation results. The formula used is:

[0134] ;

[0135] in, represents the accuracy score of the potential risk calculation, is the weight factor of the risk type, It is encrypted financial data. is the risk parameter corresponding to the data, is the risk calculation function, Is the risk type Total number of;

[0136] Is a function that processes specific data and associated risks ,

[0137] Assume there are three data points, and the weight, data, and risk of each data point are as follows:

[0138] Data Point 1: ;

[0139] Data Point 2: ;

[0140] Data Point 3: ;

[0141] set up for ,So:

[0142] ;

[0143] S403: Using the risk calculation results, verify the risk assessment, test the practicality of the risk analysis results of the financial business, optimize the investment decisions of investors and managers, and obtain the execution process of the risk assessment value as follows;

[0144] Use the risk calculation results to verify the risk assessment, test the practicality of the risk analysis results of financial business, and evaluate the effectiveness of the risk assessment model by simulating different market conditions and risk scenarios. Help investors and managers optimize investment decisions, ensure the practicality and accuracy of risk management strategies, and obtain risk assessment values. The formula used is:

[0145] ;

[0146] in, represents the effectiveness score of risk assessment verification, is the weight factor for different test scenarios, is the result of risk assessment. is the verification function, It is a test scene the number of

[0147] Is a function that handles a specific result ,

[0148] Assume there are three results, the weight and processing function value of each result are as follows:

[0149] Result 1: ;

[0150] Result 2: ;

[0151] Result 3: ;

[0152] To verify the function, map "low" to 0.1, "medium" to 0.5 and "high" to 0.9. Then:

[0153] ;

[0154] See also Figure 6 , use the risk assessment value to calculate the income of financial business, make income forecasts based on encrypted market data, calculate the relationship between expected income and market fluctuations, and generate income forecast analysis results in the following steps:

[0155] S501: According to the risk assessment value, select the profit calculation model applicable to the encrypted data, set the expected rate of return, investment period and market volatility parameters, and make profit forecasts according to differentiated market conditions. The execution process of generating the profit forecast model configuration is as follows;

[0156] According to the risk assessment value, it is key to select and configure a profit calculation model suitable for encrypted data. The process involves setting the expected rate of return, investment period and market volatility parameters to adapt to different market conditions and investor needs. By accurately configuring parameters, the profit prediction model can provide investors with accurate predictions of future returns while maintaining data encryption. It allows investors to conduct financial analysis without decrypting data, ensuring the security and privacy of investment decisions, and generating profit prediction model configurations using the formula:

[0157] ;

[0158] in, represents the fitness score of the revenue forecasting model configuration, is the weight factor of the configuration parameter, , and Represent the expected rate of return, investment period and market volatility parameters respectively. is the prediction function, is a parameter the number of

[0159] Assuming there are three factors, the weight and related parameters of each factor are as follows:

[0160] Factor 1: ;

[0161] Factor 2: ;

[0162] Factor 3: ;

[0163] set up for ,So:

[0164] ;

[0165] S502: Adopt the profit prediction model configuration, perform profit calculation, evaluate the relationship between expected profit and market fluctuations, including the impact of stock market fluctuations, interest rate changes and economic indicators, and generate the expected profit calculation results in the following execution process while keeping data encrypted;

[0166] Using the revenue forecasting model configuration, the revenue calculation is performed to evaluate the relationship between expected revenue and market volatility. Different market conditions, such as stock market fluctuations, interest rate changes, and the impact of economic indicators are taken into account. Through homomorphic encryption technology, the revenue calculation can be performed while the data remains encrypted, ensuring the security of the data while providing accurate revenue forecasts and generating the expected revenue calculation results. The formula used is:

[0167] ;

[0168] in, represents the accuracy score of the expected return calculation, Is an influencing factor The weight factor of It's the stock market fluctuations. is the change in interest rates, It is an economic indicator. is a computational function, is the number of influencing factors;

[0169] Assuming there are three factors, the weight and related parameters of each factor are as follows:

[0170] Factor 1: ;

[0171] Factor 2: ;

[0172] Factor 3: ;

[0173] set up for ,So:

[0174] ;

[0175] S503: Analyze the profit forecast using the expected profit calculation results, verify the consistency of the forecast and the responsiveness to market fluctuations, optimize the investment decision based on the profit forecast information, and obtain the profit forecast analysis results. The execution process is as follows;

[0176] The expected return calculation results are used to analyze the return forecast, verify the consistency of the forecast and its responsiveness to market fluctuations, and ensure that the forecast model can accurately reflect the actual market situation. Through the analysis results, investors and managers can optimize investment decisions based on the return forecast information, enhance the adaptability and efficiency of investment strategies, and obtain the return forecast analysis results. The formula used is:

[0177] ;

[0178] in, Represents the effectiveness score of the revenue forecast analysis, It is a test scene The weight factor of is the accuracy index of the prediction result. is the analytical function, It is a test scene the number of

[0179] Assume the following parameters: ——weight set,

[0180] ——Input parameter set, function ——The square of each input parameter.

[0181] The calculation process is:

[0182] 1. When ;

[0183] 2. When ;

[0184] 3. When ;

[0185] ;

[0186] See also Figure 7 ,According to the results of the profit forecast analysis, the management plan of the financial business is adjusted, and the digital processing is performed through the server to avoid the leakage of encrypted data. The specific steps of generating the financial business investment strategy are as follows:

[0187] S601: Based on the results of the yield forecast analysis, analyze the deviation between the performance of the real-time investment portfolio and the market forecast, determine the investment elements that need to be adjusted, including the asset allocation ratio of financial business and the risk tolerance level, and generate the execution process of the adjustment demand analysis results as follows;

[0188] Based on the results of the return forecast analysis, it is crucial to analyze the deviation between the real-time portfolio performance and the market forecast. Through analysis, performance deviations in the portfolio and asset allocations that do not conform to market trends can be identified. The process includes evaluating the current allocation ratio and risk tolerance level of financial business assets to determine the adjustments that need to be made. By accurately analyzing the deviations, a scientific basis can be provided for the adjustment of the strategy, ensuring that the portfolio can adapt to market changes and optimize returns, and generating the adjustment needs analysis results. The formula used is:

[0189] ;

[0190] in, represents the accuracy score of the strategy adjustment needs analysis, is the adjustment sensitivity of the ith asset, is the actual investment ratio, is the expected investment proportion and u is the total number of asset classes.

[0191] S602: Using the adjustment demand analysis results, the server is used to adjust the investment strategy parameters, including adjusting the proportion of fixed income products and adjusting equity investment. The execution process of generating investment adjustment records is as follows;

[0192] Using the adjustment demand analysis results, the server adjusts the investment strategy parameters, including the proportion of fixed income products and the allocation of equity investments. The adjustment is based on a comprehensive consideration of market development trends and customer needs to ensure the adaptability and profitability of the investment strategy. By optimizing the parameters, you can better hedge risks and capture investment opportunities in the market, generate investment adjustment records, and use the formula:

[0193] ;

[0194] in, It represents the effect score of investment adjustment, and adjust is the adjustment function. It is the adjustment parameter The weight of is the asset type, is the new configuration ratio, is the original configuration ratio, is the total number of parameters being adjusted;

[0195] Assume the following parameters: ——A set of weights, where type “type” refers to a specific condition, such as “A” and “B”, and “new” and “old” values ​​are [10,20] and [5,15].

[0196] Assume the logic of the function "adjust": if "type" is "A", adjust = (new-old) / times 2. If "type" is "B", then adjust = (new-old) / times 1.5.

[0197] The calculation process is:

[0198] For the first item (type "A"): ;

[0199] For the second item (type "B"): ;

[0200] ;

[0201] S603: Through the investment adjustment records, according to the market development and risk assessment of the financial business, the investment direction of managers and customers is optimized, and the leakage of encrypted financial business data is avoided, and the execution process of the financial business investment strategy is obtained as follows;

[0202] Through investment adjustment records, managers and customers can optimize their investment directions according to market development and risk assessment. The key is to ensure that the investment strategy not only conforms to market trends, but also prevents potential risks and avoids the leakage of encrypted financial business data. It helps to improve the competitiveness of financial business while ensuring the safety and profitability of customer investment. The investment strategy of financial business is obtained using the formula:

[0203] ;

[0204] in, It represents the effect score of investment strategy optimization. is the evaluation function, It is a strategic factor The importance weight of is the adjusted strategy parameter, is the total number of strategy parameters;

[0205] Assume the following parameters: , which is the weight of each strategy.

[0206] Three strategies , each strategy has a different performance score.

[0207] Assumption The function works as follows: for strategy A ( ) is scored as 50, and strategy B ( ) is scored 70, and the score for strategy C( ) has a rating of 60.

[0208] The calculation process is:

[0209] Calculation of Strategy A: ;

[0210] Calculation of Strategy B: ;

[0211] Calculation of Strategy C: ;

[0212] ;

[0213] See also Figure 8 A server-based financial business digital processing system, the server-based financial business digital processing system is used to execute the above-mentioned server-based financial business digital processing method, the system includes:

[0214] The security configuration module deploys and activates security protocols and data encryption standards for financial services based on differentiated server environments, verifies data integrity and privacy protection during transmission and storage, and generates a secure communication environment.

[0215] The asset encryption module converts the client’s plaintext asset data into an encrypted format based on a secure communication environment, uses the server’s encryption function to perform data conversion, and generates encrypted financial data;

[0216] The asset adjustment module encrypts financial data, sets the calculation parameters for asset allocation, including asset type, allocation ratio, and risk level, and uses the processing power of the server to perform asset allocation without decrypting the data, generating encrypted asset allocation results.

[0217] The risk identification module uses the encrypted asset allocation results to deploy an encrypted risk assessment model, calculate the potential risks of multiple types of assets, and generate risk assessment values;

[0218] The profit prediction module makes profit predictions based on risk assessment values, calculates the relationship between expected returns and market fluctuations based on market data and encrypted risk information, uses the processing power of the server to calculate the investment portfolio, and generates financial business investment strategies.

[0219] The above are only preferred embodiments of the present invention and are not intended to limit the present invention in other forms. Any technician familiar with the profession may use the technical contents disclosed above to change or modify them into equivalent embodiments with equivalent changes and apply them to other fields. However, any simple modification, equivalent change and modification made to the above embodiments based on the technical essence of the present invention without departing from the technical solution of the present invention still falls within the protection scope of the technical solution of the present invention.

Claims

1. A server-based financial business digital processing method, characterized in that: The following steps are involved: Based on the differentiated server environment, configure the security protocols and data encryption standards of financial services, process encrypted data through the server and maintain communication security to obtain a secure communication environment; According to the secure communication environment, data encryption is performed on financial services, plain text asset data is converted into an encrypted format, the security and privacy protection of the data in digital processing are verified, and encrypted financial data is generated; By means of the encrypted financial data, the allocation calculation of the digital assets of the financial business is performed, the asset allocation is performed on the encrypted data, the need for data decryption is avoided, the confidentiality of the investment portfolio is verified, and the encrypted asset allocation calculation result is generated; Performing risk assessment on the encrypted asset allocation calculation results, applying the encrypted risk assessment model to the encrypted financial business digital data assets, calculating potential risks, and generating a risk assessment value; Use the risk assessment value to calculate the income of financial business, make income forecasts based on encrypted financial data, calculate the relationship between expected income and market fluctuations, and generate income forecast analysis results; According to the profit forecast analysis results, the management plan of the financial business is adjusted, and the digital processing is performed through the server to avoid the leakage of encrypted data and generate the financial business investment strategy; The steps of performing the allocation calculation of the digital assets of the financial business through the encrypted financial data, performing asset allocation on the encrypted data, avoiding the need for data decryption, verifying the confidentiality of the investment portfolio, and generating the encrypted asset allocation calculation result are as follows: Based on the encrypted financial data, elliptic curve cryptography technology is used to configure asset management of financial services, and the server is used to perform calculations without decrypting the data, and the algorithm parameters of asset allocation, including asset type, proportion and risk level, are set to generate homomorphic encryption configuration; Using the homomorphic encryption configuration, digital processing of financial services is performed to calculate the asset allocation of multiple asset classes, including stocks, bonds, and cash, and differentiated investment portfolios are made according to the investment needs of customers, the confidentiality of the investment portfolio is verified, and the asset allocation calculation results are generated; The formula used is: ； in, The score representing the calculated result of asset allocation, It is Types of assets, It is the encrypted customer information. is the processing function, is the number of asset types; It is the asset value multiplied by the expected rate of return; The asset allocation calculation result is used to perform confidentiality verification, and it is tested whether the asset allocation calculation result can be displayed in an undecrypted state, thereby avoiding identifying financial business assets from encrypted data and obtaining an encrypted asset allocation calculation result.

2. The server-based financial business digital processing method according to claim 1, characterized in that: The secure communication environment includes a server setting configured with encryption protocols, two-factor authentication and firewall protection; the encrypted financial data includes encryption processing of the customer's bank account information, investment records and personal asset distribution; the risk assessment value includes market volatility assessment, credit risk rating and predicted probability of investment failure; the return forecast analysis results include expected return range, investment return rate forecast and potential market risk factor analysis; the financial business investment strategy includes strategies for adjusting the proportion of financial business asset categories, adjusting investment timing and optimizing risk tolerance levels.

3. The server-based financial business digital processing method according to claim 1, characterized in that: Based on the differentiated server environment, configure the security protocol and data encryption standard of financial services, process encrypted data through the server and maintain communication security. The specific steps to obtain a secure communication environment are as follows: Based on the differentiated server environment, evaluate the real-time server hardware configuration, including multi-core processors and extended memory, configure the server according to the hardware resources and process batch data encryption tasks to obtain the server hardware configuration; According to the server hardware configuration, install network security protocols, activate end-to-end data encryption transmission function, configure virtual private network and physical firewall, isolate and protect data channels, and generate encryption channel settings; Through the encryption channel setting, the digital data of financial business is monitored, and the data packets entering and leaving the server are checked in real time to avoid unauthorized access and obtain a secure communication environment.

4. The server-based financial business digital processing method according to claim 1, characterized in that: According to the secure communication environment, data encryption is performed on financial services, plain text asset data is converted into encrypted format, and the security and privacy protection of data in digital processing are verified. The specific steps of generating encrypted financial data are as follows: According to the secure communication environment, select an encryption protocol for digital processing of financial business data, configure parameters of the encryption protocol on the server, including key length and encryption mode, check the encryption strength of the financial business data, and generate an encryption protocol configuration; Based on the encryption protocol configuration, encrypt the client's plaintext asset data, convert bank account numbers, investment records, and personal asset data into encrypted formats, verify the confidentiality of the data when it is stored and processed on the server, and generate encrypted records of asset data; The asset data encryption records are used to conduct security verification tests, including simulating external attacks and internal data leakage scenarios, checking the anti-attack capabilities of the encrypted data, identifying the efficiency of the encryption measures, and obtaining encrypted financial data.

5. The server-based financial business digital processing method according to claim 4, characterized in that: The formula of the elliptic curve cryptography technique is as follows: ； in, is the square of the ordinate of the point on the curve, x is the abscissa on the curve, a and b are the coefficients of the elliptic curve, c is the logarithmic adjustment parameter, d is the risk adjustment coefficient, and k is the asset risk level code.

6. The server-based financial business digital processing method according to claim 1, characterized in that: Performing risk assessment on the encrypted asset allocation calculation result, applying the encrypted risk assessment model to the encrypted financial business digital data assets, calculating the potential risks, and generating the risk assessment value in the following steps: Based on the calculation results of the encrypted asset allocation, a risk assessment model for encrypted data analysis is constructed, and the model parameters are configured, including risk tolerance and expected rate of return, to match differentiated investment needs and market changes, and generate a risk assessment model configuration; Based on the risk assessment model configuration, calculate the potential risks of the assets of the crypto-financial business, digitize the financial business, and evaluate market volatility, credit risk and liquidity risk of the investment portfolio to generate risk calculation results; The risk calculation results are used to verify the risk assessment, test the practicality of the risk analysis results of financial services, optimize the investment decisions of investors and managers, and obtain the risk assessment value.

7. The server-based financial business digital processing method according to claim 1, characterized in that: The steps of using the risk assessment value to calculate the income of the financial business, predicting the income based on the encrypted financial data, calculating the relationship between the expected income and market fluctuations, and generating the income forecast analysis results are as follows: According to the risk assessment value, select a profit calculation model applicable to encrypted data, set the expected rate of return, investment period and market volatility parameters, make profit forecasts based on differentiated market conditions, and generate profit forecast model configuration; Using the revenue forecasting model configuration, executing revenue calculation, evaluating the relationship between expected revenue and market fluctuations, including the impact of stock market fluctuations, interest rate changes and economic indicators, while maintaining data encryption, and generating expected revenue calculation results; The expected return calculation results are used to perform return forecast analysis, verify the consistency of the forecast and the responsiveness to market fluctuations, optimize investment decisions based on the return forecast information, and obtain return forecast analysis results.

8. The server-based financial business digital processing method according to claim 1, characterized in that: According to the profit forecast analysis results, the management plan of the financial business is adjusted, and the steps of digital processing through the server to avoid leakage of encrypted data and generate the financial business investment strategy are as follows: Based on the above-mentioned return forecast analysis results, analyze the deviation between the performance of the real-time investment portfolio and the market forecast, determine the investment elements that need to be adjusted, including the asset allocation ratio of financial business and the risk tolerance level, and generate adjustment demand analysis results; Using the adjustment demand analysis results, using the server to adjust investment strategy parameters, including adjusting the proportion of fixed income products and adjusting equity investment, and generating investment adjustment records; Through the investment adjustment records, according to the market development and risk assessment of financial business, the investment direction of managers and customers is optimized, and the leakage of encrypted financial business data is avoided to obtain the financial business investment strategy.

9. A server-based financial business digital processing system, characterized in that: According to any one of claims 1 to 8, the server-based financial business digital processing method comprises: The security configuration module deploys and activates security protocols and data encryption standards for financial services based on differentiated server environments, verifies data integrity and privacy protection during transmission and storage, and generates a secure communication environment. The asset encryption module converts the client's plaintext asset data into an encrypted format based on the secure communication environment, uses the encryption function of the server to perform data conversion, and generates encrypted financial data; The asset adjustment module sets the calculation parameters of asset allocation, including asset type, allocation ratio and risk level, through the encrypted financial data, and uses the processing power of the server to perform asset allocation without decrypting the data, and generates the encrypted asset allocation calculation result; The risk identification module uses the encrypted asset allocation calculation results to deploy an encrypted risk assessment model, calculate the potential risks of multiple types of assets, and generate a risk assessment value; The income prediction module makes income predictions based on the risk assessment value, calculates the relationship between expected income and market fluctuations according to encrypted financial data, uses the processing power of the server to calculate the investment portfolio, and generates financial business investment strategies.

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