Financial data intelligent management system and method based on cloud platform

Abstract

The invention relates to the technical field of financial data, in particular to a financial data intelligent management system and method based on a cloud platform, and the method comprises the following steps: S1, obtaining an investment project under a user name; s2, calculating an influence value between the amount transaction and the investment project under the user name, and prompting the user to carry out a risk level of the amount transaction according to the influence value; and S3, calculating a risk ratio of the amount transaction record of the user to the investment project in the time period, and sending a prompt for reminding the user to adjust investment resource allocation according to the risk ratio. According to the invention, when the amount transaction occurs in the account under the user name, the influence of the amount transaction on the investment project under the user name is analyzed, and the corresponding risk level prompt is sent according to the influence value between the amount transaction and the investment project, so that the influence of the current fund flow of the user on other investment projects is avoided, and the user is assisted to reasonably allocate investment resources.

Description

Technical Field

[0001] The present invention relates to the field of financial data technology, and in particular to a cloud platform-based financial data intelligent management system and method. Background Art

[0002] With the development of the economy, investment and financial management have received more and more attention, and the transactions of stocks, funds, securities, etc. have become more and more frequent. In addition, users' financial management awareness has increased, and the demand for high-quality investment strategies and systematic investment has become higher and higher. When users carry out multiple investment projects, the flow of each fund needs to be cautious to avoid affecting the progress of other investment projects. However, the data information of investment projects is complicated, which makes it impossible for users to accurately judge the impact of calling funds on investment projects, resulting in the inability to reasonably allocate users' investment resources. Summary of the invention

[0003] The purpose of the present invention is to provide a financial data intelligent management system and method based on a cloud platform to solve the problems raised in the prior art.

[0004] To achieve the above-mentioned purpose, the present invention provides the following technical solutions: a financial data intelligent management system based on a cloud platform, the financial data intelligent management system comprising a login module, a project management module, a transaction supervision module and a resource allocation module;

[0005] The login module is used for user login account, and the time and IP address of each login are stored in the platform;

[0006] The project management module is used to record all investment projects under the user's name, as well as the investment plan corresponding to each investment project, and to update investment information in a timely manner according to the progress of the investment plan;

[0007] The transaction monitoring module is used to monitor the amount transactions of the account under the user's name in real time, and when an amount transaction occurs, calculate the impact value of the amount transaction on the investment project under the user's name, and issue a risk level prompt according to the impact value;

[0008] The resource allocation module is used to obtain the user's transaction records within a time period, calculate the proportion of the user's transaction records within the time period to each investment project, and issue a prompt to remind the user to adjust the investment resource allocation according to the proportion;

[0009] The output end of the login module is electrically connected to the input ends of the project management module, the transaction supervision module and the resource allocation module.

[0010] The project management module includes a project division unit, an investment plan unit and an investment information update unit. The project division unit is used to divide investment projects according to investment types and divide investment projects of the same type into the same set. The investment types include funds, stocks and bonds. The investment plan unit is used to store the investment plan corresponding to each investment project in the database. The investment information update unit updates the progress of each investment project in real time according to the investment plan.

[0011] The transaction supervision module includes an asset recording unit, an amount transaction monitoring unit and a project impact value calculation unit. The asset recording unit is used to count the user's total assets and remaining assets. The amount transaction monitoring unit is used to monitor in real time whether there are any amount transactions in the account under the user's name. If there are any amount transactions, the impact value is calculated; the project impact value calculation unit is used to calculate the impact of the amount transaction on the user's investment project when there are amount transactions in the account under the user's name, and issue a corresponding risk level prompt.

[0012] The resource allocation module includes a time unit and a risk ratio calculation unit. The time unit is used to set a timed monitoring of investment projects and store the transaction records of the amount of money conducted within the set time period; the risk ratio calculation unit is used to calculate the risk ratio of the amount of money transactions conducted within the set time period to the investment project. When the risk ratio is greater than the set risk threshold, the user is reminded to adjust the allocation ratio of investment resources.

[0013] A financial data intelligent management method based on a cloud platform, which is applied to a financial data intelligent management system based on a cloud platform, and the financial data intelligent management method comprises the following steps:

[0014] Step S1: The user logs in to the account and obtains the investment projects under the user's name;

[0015] Step S2: after receiving the information about the user's money transaction, calculate the impact value between the money transaction and the investment project under the user's name, and prompt the user to conduct the risk level of the money transaction according to the impact value;

[0016] Step S3, setting a time period, obtaining the user's transaction records within the time period, calculating the risk ratio of the user's transaction records within the time period to the investment project, and issuing a prompt to remind the user to adjust the allocation of investment resources according to the risk ratio.

[0017] The step S1 comprises:

[0018] Get all investment projects under the user's name, divide the same type of investment projects into the same set according to the investment type corresponding to the investment project and mark it as the investment set, get the investment plan of each investment project, extract the total investment amount of each investment project and record it as Q1.

[0019] The step S2 comprises:

[0020] Step S201: Mark the information received from the user for the amount transaction as the current transaction record, obtain the transaction amount of the current transaction record as Q2, and calculate the judgment value F1 of the current transaction record. The calculation formula is: F1 = Q2 / Q 总 -Q1, where Q 总 Represented as the user’s actual total assets;

[0021] Step S202: Obtain the user's historical transaction records, record the transaction amount of each historical transaction record as Pn, and calculate the determination value F for each historical transaction record. n , F n =P n / Q 总 -Q1, where F n Indicates the judgment value of the nth historical transaction record, P n Indicates the transaction amount of the nth historical transaction record, where n represents the historical transaction amount record;

[0022] Step S203: F n ∈[FJ, F+J] range of judgment value data extraction to form a transaction record set, where J is the set difference, indicating that F n It belongs to the range of F±J, where J is a set constant. The historical transaction records are sorted according to the time sequence. After adding the judgment value F1 to the transaction record set, the judgment value F adjacent to the judgment value F1 is extracted. n The corresponding history is recorded, and the time interval between the occurrence time of the historical transaction record and the time when the current amount transaction occurs is recorded as T1. The number of all judgment value data in the transaction record set is recorded as p. The occurrence time of the historical amount transaction records at both ends of the transaction record set is obtained, and the time interval between the occurrence times of the historical amount transaction records at both ends is recorded as T2. The transaction frequency f is calculated, and the calculation formula is f=p / T2;

[0023] Step S204, obtaining the investment plan of the investment project, marking the time between the current amount transaction and the time when the next investment project needs to invest funds as T3, and calculating the time tension S between the current amount transaction and the investment project, the calculation formula is S = (f*T1) / T3;

[0024] Mark the next amount of funds to be invested as Q3, and calculate the impact value W between the current amount transaction record and the investment project i , the calculation formula is: i =F1*β1+F n β2+S*β3+(Q3 / Q 总 )*β4, where W i It is expressed as the impact value between the i-th investment project and the current amount transaction record, β1, β2, β3 and β4 are weight values, and β1+β2+β3+β4=1;

[0025] Set the impact value threshold S 阈 , statistics S ≥ S 阈 The number of investment projects corresponding to the impact value is recorded as k1, and the number of all investment projects of the user is counted as k2. The proportion K=k1 / k2 is calculated, and the level thresholds a and b are set. Among them, a>b, when b<K<a, a first-level risk level is issued, and the investment projects affected by the current amount of transactions are output; when K>a, a second-level risk level is issued, and the current amount of transactions is not recommended; when K<b, no reminder is issued.

[0026] The step S3 comprises:

[0027] Set the time period TS, extract the amount transaction records within the time period TS, and obtain the impact value Wi of each amount transaction record on the investment project. Add the impact values ​​of all investment projects in the investment set to get the total impact value W 总 ; Output total impact value W 总 The largest investment set is used as the target set. The investment types corresponding to the investment projects in the target set are obtained, and the investment funds of all investment projects in the target set are added together to obtain the total investment amount QA. The risk ratio of the investment projects in the target set is calculated as (Q1 / QA)*c. When the risk ratio is greater than the set risk threshold, a prompt is issued to remind the user to adjust the allocation of investment resources.

[0028] Compared with the prior art, the present invention has the following beneficial effects:

[0029] 1. When a transaction occurs in an account under a user's name, the impact of the transaction on the user's investment project can be analyzed, and corresponding risk level prompts can be issued based on the impact value between the two to prevent the user's current capital flow from affecting other investment projects, assist the user in allocating investment resources reasonably, and calculate the risk ratio of the transaction to the investment project within a time period. When the risk ratio is greater than the set risk threshold, the user is reminded to adjust the allocation ratio of investment resources. BRIEF DESCRIPTION OF THE DRAWINGS

[0030] Figure 1The figure is a flow chart of a method for intelligent management of financial data based on a cloud platform according to the present invention. DETAILED DESCRIPTION

[0031] The following will be combined with the drawings in the embodiments of the present invention to clearly and completely describe the technical solutions in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0032] Embodiment 1: The present invention provides a financial data intelligent management system based on a cloud platform, the financial data intelligent management system includes a login module, a project management module, a transaction supervision module and a resource allocation module;

[0033] The login module is used for user login account, and the time and IP address of each login are stored in the platform;

[0034] The project management module is used to record all investment projects under the user's name, as well as the investment plan corresponding to each investment project, and to update the investment information in a timely manner according to the progress of the investment plan; the project management module includes a project division unit, an investment plan unit and an investment information update unit, the project division unit is used to divide the investment projects according to the investment type, and divide the investment projects of the same type into the same set, the investment types include funds, stocks and bonds; the investment plan unit is used to store the investment plan corresponding to each investment project in the database, and the investment information update unit updates the progress of each investment project in real time according to the investment plan.

[0035] The transaction supervision module is used to monitor the amount transactions of the account under the user's name in real time, and when an amount transaction occurs, calculate the impact value of the amount transaction on the investment project under the user's name, and issue a risk level prompt based on the impact value; the transaction supervision module includes an asset recording unit, an amount transaction monitoring unit and a project impact value calculation unit, the asset recording unit is used to count the user's total assets and remaining assets, the amount transaction monitoring unit is used to monitor in real time whether there is any amount transaction in the account under the user's name, and if there is any amount transaction, calculate the impact value; the project impact value calculation unit is used to calculate the impact of the amount transaction on the investment project under the user's name when an amount transaction occurs in the account under the user's name, and issue a corresponding risk level prompt.

[0036] The resource allocation module is used to obtain the user's monetary transaction records within a time period, calculate the proportion of the user's monetary transaction records within the time period to each investment project, and issue a prompt to remind the user to adjust the allocation of investment resources based on the proportion; the resource allocation module includes a time unit and a risk ratio calculation unit, the time unit is used to set a timed monitoring of investment projects and store the monetary transaction records conducted within the set time period; the risk ratio calculation unit is used to calculate the risk ratio of the monetary transactions conducted within the set time period to the investment project, and when the risk ratio is greater than the set risk threshold, the user is reminded to adjust the allocation ratio of investment resources.

[0037] The output end of the login module is electrically connected to the input ends of the project management module, the transaction supervision module and the resource allocation module.

[0038] Embodiment 2: Figure 1 , a financial data intelligent management method based on a cloud platform, which is applied to a financial data intelligent management system based on a cloud platform, and the financial data intelligent management method includes the following steps:

[0039] Step S1: The user logs into the account and obtains the investment projects under the user's name; the step S1 includes:

[0040] Get all investment projects under the user's name, divide the same type of investment projects into the same set according to the investment type corresponding to the investment project and mark it as the investment set, get the investment plan of each investment project, extract the total investment amount of each investment project and record it as Q1.

[0041] Step S2: after receiving the information about the user's money transaction, calculate the impact value between the money transaction and the investment project under the user's name, and prompt the user to conduct the risk level of the money transaction according to the impact value;

[0042] The step S2 comprises:

[0043] Step S201: Mark the information received from the user for the amount transaction as the current transaction record, obtain the transaction amount of the current transaction record as Q2, and calculate the judgment value F1 of the current transaction record. The calculation formula is: F1 = Q2 / Q 总 -Q1, where Q 总 Represented as the user’s actual total assets;

[0044] Step S202: Obtain the user's historical transaction records, record the transaction amount of each historical transaction record as Pn, and calculate the determination value F for each historical transaction record. n , F n =P n / Q 总-Q1, where F n Indicates the judgment value of the nth historical transaction record, P n Indicates the transaction amount of the nth historical transaction record, where n represents the historical transaction amount record;

[0045] Step S203: F n ∈[FJ, F+J], where J is the set difference, and the transaction records are sorted according to the time sequence of the historical amount transaction records. After adding the decision value F1 to the transaction record set, the decision value F adjacent to the decision value F1 is extracted. n The corresponding history is recorded, and the time interval between the occurrence time of the historical transaction record and the time when the current amount transaction occurs is recorded as T1. The number of all judgment value data in the transaction record set is recorded as p. The occurrence time of the historical amount transaction records at both ends of the transaction record set is obtained, and the time interval between the occurrence times of the historical amount transaction records at both ends is recorded as T2. The transaction frequency f is calculated, and the calculation formula is f=p / T2;

[0046] Step S204, obtaining the investment plan of the investment project, marking the time between the current amount transaction and the time when the next investment project needs to invest funds as T3, and calculating the time tension S between the current amount transaction and the investment project, the calculation formula is S = (f*T1) / T3;

[0047] Mark the next amount of funds to be invested as Q3, and calculate the impact value W between the current amount transaction record and the investment project i , the calculation formula is: i =F1*β1+F n β2+S*β3+(Q3 / Q 总 )*β4, where W i It is expressed as the impact value between the i-th investment project and the current amount transaction record, β1, β2, β3 and β4 are weight values, and β1+β2+β3+β4=1;

[0048] Set the impact value threshold S 阈 , statistics S ≥ S 阈 The number of investment projects corresponding to the impact value is recorded as k1, and the number of all investment projects of the user is counted as k2. The proportion K=k1 / k2 is calculated, and the level thresholds a and b are set. Among them, a>b, when b<K<a, a first-level risk level is issued, and the investment projects affected by the current amount of transactions are output; when K>a, a second-level risk level is issued, and the current amount of transactions is not recommended; when K<b, no reminder is issued.

[0049] For example: when a transaction occurs in an account under the name of a user, the amount of the transaction is obtained. The larger the amount of the transaction, the larger the calculated F1. At the same time, the user's historical transaction records are obtained, and Fn of each historical transaction record is calculated. At this time, Fn that is most similar to F1 and has the smallest time interval can be extracted. Since F1 and Fn are similar, it means that the frequency of occurrence of this type of transaction record is high, which will also increase the impact value, and the time required for the next investment project to be reinvested is calculated to calculate the time tension. The higher the time tension, the more likely it is that if this money transaction is carried out, it will affect the next investment in the project. The impact value of the current transaction is calculated based on the judgment value F1, the judgment value Fn, the time tension S, and the amount of funds to be invested next time is marked as Q3. The impact value threshold S can be calculated based on the historical data in the cloud platform 阈 When the impact value is greater than the impact value threshold, the proportion K of the affected investment projects is further calculated. When b<K<a, a first-level risk level is issued, and the investment projects affected by the current amount transaction are output. Each affected investment project is listed, allowing the user to decide whether to continue; when K>a, a second-level risk level is issued, and the current amount transaction is not recommended. If the user adopts it, the amount transaction is canceled. If the customer does not adopt it, the amount transaction only needs to be mentioned; when K<b, no reminder is issued, and the current amount transaction has little impact on the investment project.

[0050] Step S3, setting a time period, obtaining the user's transaction records within the time period, calculating the risk ratio of the user's transaction records within the time period to the investment project, and issuing a prompt to remind the user to adjust the allocation of investment resources according to the risk ratio.

[0051] The step S3 comprises:

[0052] Set the time period TS, extract the amount transaction records within the time period TS, and obtain the impact value Wi of each amount transaction record on the investment project. Add the impact values ​​of all investment projects in the investment set to get the total impact value W 总 ; Output total impact value W 总 The largest investment set is used as the target set. The investment types corresponding to the investment projects in the target set are obtained, and the investment funds of all investment projects in the target set are added together to obtain the total investment amount QA. The risk ratio of the investment projects in the target set is calculated as (Q1 / QA)*c. When the risk ratio is greater than the set risk threshold, a prompt is issued to remind the user to adjust the allocation of investment resources.

[0053] It will be apparent to those skilled in the art that the invention is not limited to the details of the exemplary embodiments described above and that the invention can be implemented in other specific forms without departing from the spirit or essential features of the invention. Therefore, the embodiments should be considered exemplary and non-limiting in all respects, and the scope of the invention is defined by the appended claims rather than the foregoing description, and it is intended that all variations falling within the meaning and scope of the equivalent elements of the claims be included in the invention. Any reference numeral in a claim should not be considered as limiting the claim to which it relates.

Claims

1. A financial data intelligent management system based on a cloud platform, characterized by: The financial data intelligent management system includes a login module, a project management module, a transaction supervision module and a resource allocation module; The login module is used for user login account, and the time and IP address of each login are stored in the platform; The project management module is used to record all investment projects under the user's name, as well as the investment plan corresponding to each investment project, and to update investment information in a timely manner according to the progress of the investment plan; The transaction monitoring module is used to monitor the amount transactions of the account under the user's name in real time, and when an amount transaction occurs, calculate the impact value of the amount transaction on the investment project under the user's name, and issue a risk level prompt according to the impact value; The resource allocation module is used to obtain the user's transaction records within a time period, calculate the proportion of the user's transaction records within the time period to each investment project, and issue a prompt to remind the user to adjust the investment resource allocation according to the proportion; The output end of the login module is electrically connected to the input ends of the project management module, the transaction supervision module and the resource allocation module.

2. The financial data intelligent management system based on a cloud platform according to claim 1, characterized in that: The project management module includes a project division unit, an investment plan unit and an investment information update unit. The project division unit is used to divide investment projects according to investment types and divide investment projects of the same type into the same set. The investment types include funds, stocks and bonds. The investment plan unit is used to store the investment plan corresponding to each investment project in the database. The investment information update unit updates the progress of each investment project in real time according to the investment plan.

3. The financial data intelligent management system based on a cloud platform according to claim 1, characterized in that: The transaction supervision module includes an asset recording unit, an amount transaction monitoring unit and a project impact value calculation unit. The asset recording unit is used to count the user's total assets and remaining assets. The amount transaction monitoring unit is used to monitor in real time whether there are any amount transactions in the account under the user's name. If there are any amount transactions, the impact value is calculated; the project impact value calculation unit is used to calculate the impact of the amount transaction on the user's investment project when there are amount transactions in the account under the user's name, and issue a corresponding risk level prompt.

4. The financial data intelligent management system based on a cloud platform according to claim 1, characterized in that: The resource allocation module includes a time unit and a risk ratio calculation unit. The time unit is used to set a timed monitoring of investment projects and store the transaction records of the amount of money conducted within the set time period; the risk ratio calculation unit is used to calculate the risk ratio of the amount of money transactions conducted within the set time period to the investment project. When the risk ratio is greater than the set risk threshold, the user is reminded to adjust the allocation ratio of investment resources.

5. A cloud-based financial data intelligent management method, which is applied to a cloud-based financial data intelligent management system according to any one of claims 1 to 4, characterized in that: The financial data intelligent management method comprises the following steps: Step S1: The user logs in to the account and obtains the investment projects under the user's name; Step S2: after receiving the information about the user's money transaction, calculate the impact value between the money transaction and the investment project under the user's name, and prompt the user to conduct the risk level of the money transaction according to the impact value; Step S3, setting a time period, obtaining the user's transaction records within the time period, calculating the risk ratio of the user's transaction records within the time period to the investment project, and issuing a prompt to remind the user to adjust the allocation of investment resources according to the risk ratio.

6. The method for intelligent management of financial data based on a cloud platform according to claim 5, characterized in that: The step S1 comprises: Get all investment projects under the user's name, divide the same type of investment projects into the same set according to the investment type corresponding to the investment project and mark it as the investment set, get the investment plan of each investment project, extract the total investment amount of each investment project and record it as Q1.

7. The method for intelligent management of financial data based on a cloud platform according to claim 6, characterized in that: The step S2 comprises: Step S201: Mark the information received from the user for the amount transaction as the current transaction record, obtain the transaction amount of the current transaction record as Q2, and calculate the judgment value F1 of the current transaction record. The calculation formula is: F1 = Q2 / Q 总 -Q1, where Q 总 Represented as the user’s actual total assets; Step S202: Obtain the user's historical transaction records, record the transaction amount of each historical transaction record as Pn, and calculate the determination value F for each historical transaction record. n , F n =P n / Q 总 -Q1, where F n Indicates the judgment value of the nth historical transaction record, P n Indicates the transaction amount of the nth historical transaction record, where n represents the historical transaction amount record; Step S203: F n ∈[FJ, F+J], the decision value data in the range is extracted to form a transaction record set, where J is the set difference, and the transaction records are sorted according to the time sequence of the historical amount transaction records. After adding the decision value F1 to the transaction record set, the decision value F adjacent to the decision value F1 is extracted. n The corresponding history is recorded, and the time interval between the occurrence time of the historical transaction record and the time when the current amount transaction occurs is recorded as T1. The number of all judgment value data in the transaction record set is recorded as p. The occurrence time of the historical amount transaction records at both ends of the transaction record set is obtained, and the time interval between the occurrence times of the historical amount transaction records at both ends is recorded as T2. The transaction frequency f is calculated, and the calculation formula is f=p / T2; Step S204, obtaining the investment plan of the investment project, marking the time between the current amount transaction and the time when the next investment project needs to invest funds as T3, and calculating the time tension S between the current amount transaction and the investment project, the calculation formula is S = (f*T1) / T3; Mark the next amount of funds to be invested as Q3, and calculate the impact value W between the current amount transaction record and the investment project i , the calculation formula is: i =F1*β1+F n β2+S*β3+(Q3 / Q 总 )*β4, where W i It is expressed as the impact value between the i-th investment project and the current amount transaction record, β1, β2, β3 and β4 are weight values, and β1+β2+β3+β4=1; Set the impact value threshold S 阈 , statistics S ≥ S 阈 The number of investment projects corresponding to the impact value is recorded as k1, and the number of all investment projects of the user is counted as k2. The proportion K=k1 / k2 is calculated, and the level thresholds a and b are set. Among them, a>b, when b<K<a, a first-level risk level is issued, and the investment projects affected by the current amount of transactions are output; when K>a, a second-level risk level is issued, and the current amount of transactions is not recommended; when K<b, no reminder is issued.

8. The method for intelligent management of financial data based on a cloud platform according to claim 7, characterized in that: The step S3 comprises: Set the time period TS, extract the amount transaction records within the time period TS, and obtain the impact value Wi of each amount transaction record on the investment project. Add the impact values ​​of all investment projects in the investment set to get the total impact value W 总 ; Output total impact value W 总 The largest investment set is used as the target set. The investment types corresponding to the investment projects in the target set are obtained, and the investment funds of all investment projects in the target set are added together to obtain the total investment amount QA. The risk ratio of the investment projects in the target set is calculated as (Q1 / QA)*c. When the risk ratio is greater than the set risk threshold, a prompt is issued to remind the user to adjust the allocation of investment resources.

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