Intelligent economic demand monitoring system and method based on data analysis

Abstract

The invention discloses an economic demand intelligent monitoring system and method based on data analysis, and relates to the technical field of data analysis, and the monitoring method comprises the following steps: obtaining the expenditure type of each expenditure record, and obtaining the expenditure condition of each expenditure type; analyzing the distribution condition of all the total expenditures to obtain a normal expenditure interval of the user; analyzing the excess expenditure condition of each expenditure log and the expenditure condition of each expenditure type to obtain the influence proportion of each expenditure type on the total expenditure amount; randomly selecting one expenditure log, performing risk assessment on the expenditure log, and setting an abnormal risk threshold value of the expenditure log; analyzing the current newly generated expenditure log, performing risk assessment on the current expenditure log, and judging whether to send an excess early warning to the user; and if the expenditure condition of the current expenditure log meets the normal expenditure interval, recommending the selection priority of each subsequent expenditure type of the user.

Description

Technical Field

[0001] The present invention relates to the technical field of data analysis, and in particular to an economic demand intelligent monitoring system and method based on data analysis. Background Art

[0002] In daily life, people have various needs, and where there are needs there are expenditures. If you can plan your personal expenditures reasonably, you can effectively improve your financial management ability and help you solve the expenditure pressure in unexpected situations.

[0003] Although there are software such as Alipay that can help users record various expenditures in daily life, few users will check their expenditure records and will not consider their own expenditures. Due to the inconvenience, they lack effective budget management for their expenditures, which may eventually lead to an imbalance between personal income and expenditure and affect their subsequent daily life. Summary of the invention

[0004] The purpose of the present invention is to provide an economic demand intelligent monitoring system and method based on data analysis to solve the problems raised in the prior art.

[0005] To achieve the above object, the present invention provides the following technical solution: an intelligent monitoring method for economic demand based on data analysis, the monitoring method comprising the following steps:

[0006] Step S100: construct an expenditure data management platform to record each expenditure of the user, generate a number of expenditure records, summarize the expenditure records in any unit period to generate an expenditure log for a unit period; obtain the expenditure type of each expenditure record, and obtain the expenditure situation of each expenditure type in each expenditure log;

[0007] Step S200: Obtain the total expenditure of each expenditure log, analyze the distribution of all the total expenditures, and obtain the normal expenditure range of the user in a unit period; analyze the excess expenditure of each expenditure log and the expenditure of each expenditure type, and obtain the impact ratio of each expenditure type on the total expenditure;

[0008] Step S300: arbitrarily select an expenditure log, and perform risk assessment on the expenditure log based on the expenditure frequency and excess expenditure of each expenditure type in the expenditure log; and set an abnormal risk threshold of the expenditure log according to the risk assessment results of each expenditure log with excess expenditure;

[0009] Step S400: Analyze the expenditure situation of each expenditure record in the latest generated expenditure log, conduct a risk assessment on the current expenditure log, and determine whether to send an overage warning to the user; if the expenditure situation of the current expenditure log meets the normal expenditure range, recommend the selection priority of each subsequent expenditure type for the user.

[0010] Furthermore, step S100 includes the following steps:

[0011] Step S101: Set the time length of a unit cycle as T, and obtain the time range of the a-th unit cycle as [aT, (a+1)T); obtain the record generation time t of an expenditure record at random, and if t∈[aT, (a+1)T), then import the expenditure record into the expenditure log corresponding to the a-th unit cycle; the time range includes the initial time point of each unit cycle, and the last time point belongs to the initial time point of the next unit cycle;

[0012] Step S102: arbitrarily select the ath expenditure log and obtain the expenditure information M of the bth expenditure record in the ath expenditure log b , from the expenditure information M b Extract several characteristic words; construct an expenditure classification standard database to store various expenditure types, select any characteristic word and expenditure type from the several characteristic words and expenditure classification standard database, and compare the characteristic word with the expenditure type for similarity; select a characteristic word and expenditure type with the greatest similarity from all similarity comparison results, and use the expenditure type with the greatest similarity as the expenditure type of the expenditure record of item b;

[0013] Step S103: Divide all expenditure records in the ath expenditure log according to expenditure type to obtain a set of expenditure records corresponding to several expenditure types in the ath expenditure log; obtain the expenditure amount of each expenditure record, obtain the total expenditure amount of each expenditure type in the ath expenditure log, and calculate the expenditure proportion of each expenditure type.

[0014] Further, step S200 includes the following steps:

[0015] Step S201: Calculate the average of the total expenditure of each expenditure log to obtain the average total expenditure, and calculate the degree of deviation between the total expenditure of each expenditure log and the average total expenditure; the degree of deviation is an integer, and the degree of deviation above or below the average total expenditure has the same degree of deviation; sort the total expenditure of each expenditure log from small to large according to the value, extract the first c% total expenditure, select the minimum total expenditure and the maximum total expenditure to obtain the normal expenditure range of the user in a unit period; the total expenditure of each unit period is relatively close as a whole, but there will be special periods, and there will be a large deviation if only the average value is used to reflect it, so it is necessary to exclude the special period and find a more reasonable normal expenditure range according to the distribution;

[0016] Step S202: arbitrarily select the ath expenditure log, and obtain the total expenditure of the ath expenditure log as E a , set the maximum total expenditure to E max , the excess degree of the a-th expenditure log is calculated to be EX a =(E a -E max ) / E max ; The value of the excess degree can be positive or negative, and a negative number means that the user's total expenditure is normal;

[0017] Step S203: Set the number of expenditure types in the ath expenditure log to T a , get the number of expenditure records corresponding to the i-th expenditure type in the a-th expenditure log as The expenditure frequency of the i-th expenditure type is calculated as

[0018] Step S204: Set the expenditure proportion of the i-th expenditure type in the a-th expenditure log to According to the formula:

[0019]

[0020] Calculate the impact ratio of the i-th expenditure type in the a-th expenditure log The impact ratio of a type of expenditure will be affected by the user's expenditure ratio on this type of expenditure, the expenditure frequency and the excess degree of the expenditure log itself. The higher the expenditure ratio and the higher the expenditure frequency, the greater the impact will be. The excess degree can reflect the impact of expenditure types with higher expenditure frequency or expenditure ratio. The formula can more accurately reflect the impact ratio of each expenditure type.

[0021] Step S205: Obtain the impact ratio of the i-th expenditure type in each expenditure log, and calculate the average value to obtain the average impact ratio Y of the i-th expenditure type i .

[0022] Further, step S300 includes the following steps:

[0023] Step S301: arbitrarily select the ath expenditure log, and obtain the excess degree of the ath expenditure log as EX a And the proportion of expenditure of the i-th expenditure type in the a-th expenditure log is According to the formula:

[0024]

[0025] Among them, T a is the number of expenditure types in the a-th expenditure log, Y i is the average impact ratio of the i-th expenditure type; the risk value F of the a-th expenditure log is calculated a ; Risk assessment of each expenditure log can help users effectively determine whether their expenditure is normal, and promptly deal with high-risk expenditures to prevent users from continuing to spend large amounts of money and causing trouble in their subsequent lives;

[0026] Step S302: extract all expenditure logs with excess levels greater than 0, generate an abnormal log set, obtain the risk value of each expenditure log in the abnormal log set, and select the minimum risk value to set as the abnormal risk threshold of the expenditure log.

[0027] Furthermore, step S400 includes the following steps:

[0028] Step S401: Obtain several expenditure records in the current expenditure log, obtain the record generation time of each expenditure record in the several expenditure records, and select the maximum record generation time as the generation time of the expenditure log as T now , setting the time length of a unit cycle to T, the current time proportion of the expenditure log is ρ = T now / T;

[0029] Step S402: Set the normal spending interval of the user in a unit period as (E min ,E max ), the theoretical expenditure interval of the current expenditure log is (ρ×E min ,ρ×E max ); Get the total amount of expenditure of the several expenditure records as E now , if E now >ρ×E max, then the current excess level of the expenditure log is EX now =(E now -ρ×E max ) / (ρ×E max ), the plurality of expenditure records are divided according to the expenditure type, and the expenditure proportion of each expenditure type is calculated, wherein the expenditure proportion of the i-th expenditure type is set to (η i ) now , according to the formula:

[0030]

[0031] Among them, Y i is the average impact ratio of the i-th expenditure type; the current risk value of the expenditure log is calculated to be F now ;

[0032] Step S403: Set the abnormal risk threshold to F min , if F now >F min , then the overage warning will be relaxed for the user; if E now <ρ×E max or F now <F min , then obtain the expenditure proportion of each expenditure type in each log, calculate the average value to get the average expenditure proportion of each expenditure type, and set the average expenditure proportion of the i-th expenditure type to According to the formula:

[0033]

[0034] Calculate the current remaining spendable proportion of the i-th expenditure type in the expenditure log (S i ) now The remaining spendable ratio can only be obtained by combining the user's previous spending ratio on various types of expenditures with the current spending situation. The current remaining spendable ratio can most directly reflect the user's subsequent reasonable spending plan and provide effective information for subsequent priority recommendations.

[0035] Step S404: According to the formula:

[0036]

[0037] Calculate the priority value Z of the i-th expenditure type i; Sort all expenditure types from large to small according to the priority value, generate a selection priority order, and send expenditure type recommendation information to the user; the selection priority of various expenditure types also needs to take into account the degree of impact, because although the remaining spendable proportion is high, if the average amount of expenditure each time is high, it will still lead to excessive spending. Therefore, it is necessary to strike a balance between the remaining spendable proportion and the degree of impact to obtain a reasonable priority order.

[0038] In order to better implement the above method, an intelligent monitoring system of economic demand based on data analysis is also proposed. The monitoring system includes a historical expenditure analysis module, an impact type analysis module, a risk assessment module and a real-time expenditure analysis module;

[0039] The historical expenditure analysis module is used to build an expenditure data management platform to record each expenditure of the user, generate several expenditure records, summarize the expenditure records within any unit period to generate an expenditure log for a unit period; obtain the expenditure type of each expenditure record, and obtain the expenditure situation of each expenditure type in each expenditure log;

[0040] The impact type analysis module is used to obtain the total expenditure of each expenditure log, analyze the distribution of all total expenditures, and obtain the normal expenditure range of the user in a unit period; analyze the excess expenditure of each expenditure log and the expenditure of each expenditure type, and obtain the impact ratio of each expenditure type on the total expenditure;

[0041] A risk assessment module is used to select an expenditure log at random and perform risk assessment on the expenditure log based on the expenditure frequency and excess expenditure of each expenditure type in the expenditure log; and to set an abnormal risk threshold of the expenditure log according to the risk assessment results of each expenditure log with excess expenditure;

[0042] The real-time expenditure analysis module is used to analyze the expenditure situation of each expenditure record in the latest generated expenditure log, conduct risk assessment on the current expenditure log, and determine whether to send an over-limit warning to the user; if the expenditure situation of the current expenditure log meets the normal expenditure range, the user's subsequent selection priority for each expenditure type is recommended.

[0043] Further, the historical expenditure analysis module includes an expenditure log generation unit and an expenditure situation analysis unit;

[0044] The expenditure log generation unit is used to build an expenditure data management platform to record each expenditure of the user, generate a number of expenditure records, and summarize the expenditure records within any unit period to generate an expenditure log for a unit period; the expenditure situation analysis unit is used to obtain the expenditure type of each expenditure record and obtain the expenditure situation of each expenditure type in each expenditure log.

[0045] Furthermore, the impact type analysis module includes a normal expenditure analysis unit and an impact proportion analysis unit;

[0046] The normal expenditure analysis unit is used to obtain the total expenditure of each expenditure log, analyze the distribution of all total expenditures, and obtain the normal expenditure range of the user within a unit period; the impact ratio analysis unit is used to analyze the excess expenditure of each expenditure log and the expenditure of each expenditure type, and obtain the impact ratio of each expenditure type on the total expenditure.

[0047] Further, the risk assessment module includes a risk calculation unit and a risk threshold setting unit;

[0048] The risk calculation unit is used to arbitrarily select an expenditure log and perform risk assessment on the expenditure log based on the expenditure frequency and excess expenditure of each expenditure type in the expenditure log; the risk threshold setting unit is used to set the abnormal risk threshold of the expenditure log according to the risk assessment results of each expenditure log with excess expenditure.

[0049] Further, the real-time expenditure analysis module includes an excess judgment unit and an expenditure recommendation analysis unit;

[0050] The excess judgment unit is used to analyze the expenditure situation of each expenditure record in the latest generated expenditure log, conduct risk assessment on the current expenditure log, and determine whether to send an excess warning to the user; the expenditure recommendation analysis unit is used to recommend the selection priority of each subsequent expenditure type for the user if the expenditure situation of the current expenditure log meets the normal expenditure range.

[0051] Compared with the prior art, the present invention has the following beneficial effects:

[0052] 1. The present invention helps users to effectively manage their budget expenditures by automatically analyzing their expenditure records, thus saving their management time;

[0053] 2. The present invention obtains the historical expenditure proportion of the user on various expenditure types, analyzes the user's expenditure habits, and combines the influence of various expenditure types to help the user determine whether the expenditure status of each period is reasonable, so as to avoid the imbalance of income and expenditure caused by excessive expenditure;

[0054] 3. The present invention analyzes the user's current spending situation to determine whether there is any overspending, and sets recommended priorities if there is no overspending, thereby helping the user to make a reasonable plan for subsequent spending, avoiding overspending, and helping the user to achieve effective budget management. BRIEF DESCRIPTION OF THE DRAWINGS

[0055] Figure 1 A schematic diagram of the steps of an intelligent monitoring method of economic demand based on data analysis;

[0056] Figure 2 It is a structural diagram of an intelligent monitoring system for economic needs based on data analysis. DETAILED DESCRIPTION

[0057] 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.

[0058] Example: Figure 1 to Figure 2 As shown, the present invention provides an intelligent monitoring method for economic demand based on data analysis, and the monitoring method comprises the following steps:

[0059] Step S100: construct an expenditure data management platform to record each expenditure of the user, generate a number of expenditure records, summarize the expenditure records in any unit period to generate an expenditure log for a unit period; obtain the expenditure type of each expenditure record, and obtain the expenditure situation of each expenditure type in each expenditure log;

[0060] Wherein, step S100 includes the following steps:

[0061] Step S101: Set the time length of a unit cycle as T, and obtain the time range of the ath unit cycle as [aT, (a+1)T); obtain the record generation time t of an expenditure record at random, if t∈[aT, (a+1)T), then import the expenditure record into the expenditure log corresponding to the ath unit cycle; for example: taking one month as a unit cycle, it can help analyze the user's expenditure situation every month;

[0062] Step S102: arbitrarily select the ath expenditure log and obtain the expenditure information M of the bth expenditure record in the ath expenditure log b , from the expenditure information M b Extract several characteristic words; construct an expenditure classification standard database to store various expenditure types, select any characteristic word and expenditure type from the several characteristic words and expenditure classification standard database, and compare the characteristic word with the expenditure type for similarity; select a characteristic word and expenditure type with the greatest similarity from all similarity comparison results, and use the expenditure type with the greatest similarity as the expenditure type of the expenditure record of item b;

[0063] Step S103: Divide all expenditure records in the ath expenditure log according to expenditure type to obtain a set of expenditure records corresponding to several expenditure types in the ath expenditure log; obtain the expenditure amount of each expenditure record, obtain the total expenditure amount of each expenditure type in the ath expenditure log, and calculate the expenditure proportion of each expenditure type.

[0064] Step S200: Obtain the total expenditure of each expenditure log, analyze the distribution of all the total expenditures, and obtain the normal expenditure range of the user in a unit period; analyze the excess expenditure of each expenditure log and the expenditure of each expenditure type, and obtain the impact ratio of each expenditure type on the total expenditure;

[0065] Wherein, step S200 includes the following steps:

[0066] Step S201: Calculate the average of the total expenditures of each expenditure log to obtain the average total expenditure, and calculate the degree of deviation between the total expenditures of each expenditure log and the average total expenditure; sort the total expenditures of each expenditure log from small to large, extract the top c% total expenditures, and select the minimum total expenditure and the maximum total expenditure to obtain the normal expenditure range of the user in a unit period;

[0067] Example 1: Set the average monthly expenditure of the user to 2000 yuan, and obtain the monthly expenditure of 1900 yuan, 2000 yuan, 2100 yuan, 2050 yuan, and 3000 yuan in 5 months, respectively. Obtain the deviation degrees of 5%, 0, 5%, 2.5%, and 50%, respectively. Take the first 80%, i.e., 4 expenditure totals, obtain the minimum expenditure total of 1900 yuan, the maximum expenditure total of 2100 yuan, and generate the normal expenditure interval (1900, 2000);

[0068] Step S202: arbitrarily select the ath expenditure log, and obtain the total expenditure of the ath expenditure log as E a , set the maximum total expenditure to E max , the excess degree of the a-th expenditure log is calculated to be EX a =(E a -E max ) / E max ;

[0069] Step S203: Set the number of expenditure types in the ath expenditure log to T a , get the number of expenditure records corresponding to the i-th expenditure type in the a-th expenditure log as The expenditure frequency of the i-th expenditure type is calculated as

[0070] Step S204: Set the expenditure proportion of the i-th expenditure type in the a-th expenditure log to According to the formula:

[0071]

[0072] Calculate the impact ratio of the i-th expenditure type in the a-th expenditure log

[0073] Example 2: Assume that in a month, there are 4 types of expenditures in the expenditure log, among which there are 100 expenditure records for food and drink. Set the number of expenditure records in the expenditure log to 300, and the expenditure frequency of food and drink is 33.33%; and the expenditure of the user on food and drink accounts for 50%, and the excess margin this month is 10%. Therefore, according to the formula: 50% × 10% = 33.33% × Y, we get Y = 15%, that is, the influence of food and drink accounts for 15%;

[0074] Step S205: Obtain the impact ratio of the i-th expenditure type in each expenditure log, and calculate the average value to obtain the average impact ratio Y of the i-th expenditure type i .

[0075] Step S300: arbitrarily select an expenditure log, and perform risk assessment on the expenditure log based on the expenditure frequency and excess expenditure of each expenditure type in the expenditure log; and set an abnormal risk threshold of the expenditure log according to the risk assessment results of each expenditure log with excess expenditure;

[0076] Wherein, step S300 includes the following steps:

[0077] Step S301: arbitrarily select the ath expenditure log, and obtain the excess degree of the ath expenditure log as EX a And the proportion of expenditure of the i-th expenditure type in the a-th expenditure log is According to the formula:

[0078]

[0079] Among them, T a is the number of expenditure types in the a-th expenditure log, Y i is the average impact ratio of the i-th expenditure type; the risk value F of the a-th expenditure log is calculated a ;

[0080] Example 3: Set the excess margin of an expenditure log to 5%, and there are two types of expenditures in the expenditure log, one of which accounts for 50% and has an impact of 15%, and the other accounts for 50% and has an impact of 10%. The risk value F = (1 + 5%) × (1 + 50% × 15%) × (1 + 50% × 10%) = 1.185;

[0081] Step S302: extract all expenditure logs with excess levels greater than 0, generate an abnormal log set, obtain the risk value of each expenditure log in the abnormal log set, and select the minimum risk value to set as the abnormal risk threshold of the expenditure log.

[0082] Step S400: Analyze the expenditure situation of each expenditure record in the latest expenditure log, conduct risk assessment on the current expenditure log, and determine whether to send an overspending warning to the user; if the expenditure situation of the current expenditure log meets the normal expenditure range, recommend the selection priority of each subsequent expenditure type for the user;

[0083] Wherein, step S400 includes the following steps:

[0084] Step S401: Obtain several expenditure records in the current expenditure log, obtain the record generation time of each expenditure record in the several expenditure records, and select the maximum record generation time as the generation time of the expenditure log as T now , setting the time length of a unit cycle to T, the current time proportion of the expenditure log is ρ = T now / T;

[0085] Step S402: Set the normal spending interval of the user in a unit period as (E min ,E max ), the theoretical expenditure interval of the current expenditure log is (ρ×E min ,ρ×E max ); Get the total amount of expenditure of the several expenditure records as E now , if E now >ρ×E max , then the current excess level of the expenditure log is EX now =(E now -ρ×E max ) / (ρ×E max ), the plurality of expenditure records are divided according to the expenditure type, and the expenditure proportion of each expenditure type is calculated, wherein the expenditure proportion of the i-th expenditure type is set to (η i ) now , according to the formula:

[0086]

[0087] Among them, Y i is the average impact ratio of the i-th expenditure type; the current risk value of the expenditure log is calculated to be F now ;

[0088] Step S403: Set the abnormal risk threshold to F min , if F now >F min , then the overage warning will be relaxed for the user; if E now <ρ×E max or F now <F min , then obtain the expenditure proportion of each expenditure type in each log, calculate the average value to get the average expenditure proportion of each expenditure type, and set the average expenditure proportion of the i-th expenditure type to According to the formula:

[0089]

[0090] Calculate the current remaining spendable proportion of the i-th expenditure type in the expenditure log (S i ) now ;

[0091] Step S404: According to the formula:

[0092]

[0093] Calculate the priority value Z of the i-th expenditure type i ; Sort all expenditure types according to priority values ​​from large to small, generate a selection priority order, and send expenditure type recommendation information to the user;

[0094] Example 4: Set two expenditure types, one of which has a remaining spendable proportion of 50% and an impact of 15%, and the other has a remaining spendable proportion of 30% and an impact of 5%. The priority value of the first type is 50% / 15%=3.33, and the priority value of the second type is 6; therefore, the priority order is that the second type takes precedence over the first type.

[0095] An intelligent monitoring system for economic needs based on data analysis, the monitoring system includes a historical expenditure analysis module, an impact type analysis module, a risk assessment module and a real-time expenditure analysis module;

[0096] The historical expenditure analysis module is used to build an expenditure data management platform to record each expenditure of the user, generate several expenditure records, summarize the expenditure records within any unit period to generate an expenditure log for a unit period; obtain the expenditure type of each expenditure record, and obtain the expenditure situation of each expenditure type in each expenditure log;

[0097] The impact type analysis module is used to obtain the total expenditure of each expenditure log, analyze the distribution of all total expenditures, and obtain the normal expenditure range of the user in a unit period; analyze the excess expenditure of each expenditure log and the expenditure of each expenditure type, and obtain the impact ratio of each expenditure type on the total expenditure;

[0098] A risk assessment module is used to select an expenditure log at random and perform risk assessment on the expenditure log based on the expenditure frequency and excess expenditure of each expenditure type in the expenditure log; and to set an abnormal risk threshold of the expenditure log according to the risk assessment results of each expenditure log with excess expenditure;

[0099] The real-time expenditure analysis module is used to analyze the expenditure situation of each expenditure record in the latest generated expenditure log, conduct risk assessment on the current expenditure log, and determine whether to send an over-limit warning to the user; if the expenditure situation of the current expenditure log meets the normal expenditure range, the user's subsequent selection priority for each expenditure type is recommended.

[0100] Among them, the historical expenditure analysis module includes an expenditure log generation unit and an expenditure situation analysis unit;

[0101] The expenditure log generation unit is used to build an expenditure data management platform to record each expenditure of the user, generate a number of expenditure records, and summarize the expenditure records within any unit period to generate an expenditure log for a unit period; the expenditure situation analysis unit is used to obtain the expenditure type of each expenditure record and obtain the expenditure situation of each expenditure type in each expenditure log.

[0102] Among them, the impact type analysis module includes normal expenditure analysis unit and impact proportion analysis unit;

[0103] The normal expenditure analysis unit is used to obtain the total expenditure of each expenditure log, analyze the distribution of all total expenditures, and obtain the normal expenditure range of the user within a unit period; the impact ratio analysis unit is used to analyze the excess expenditure of each expenditure log and the expenditure of each expenditure type, and obtain the impact ratio of each expenditure type on the total expenditure.

[0104] Among them, the risk assessment module includes a risk calculation unit and a risk threshold setting unit;

[0105] The risk calculation unit is used to arbitrarily select an expenditure log and perform risk assessment on the expenditure log based on the expenditure frequency and excess expenditure of each expenditure type in the expenditure log; the risk threshold setting unit is used to set the abnormal risk threshold of the expenditure log according to the risk assessment results of each expenditure log with excess expenditure.

[0106] Among them, the real-time expenditure analysis module includes an excess judgment unit and an expenditure recommendation analysis unit;

[0107] The excess judgment unit is used to analyze the expenditure situation of each expenditure record in the latest generated expenditure log, conduct risk assessment on the current expenditure log, and determine whether to send an excess warning to the user; the expenditure recommendation analysis unit is used to recommend the selection priority of each subsequent expenditure type for the user if the expenditure situation of the current expenditure log meets the normal expenditure range.

[0108] 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. An intelligent monitoring method for economic needs based on data analysis, characterized in that: The monitoring method comprises the following steps: Step S100: construct an expenditure data management platform to record each expenditure of the user, generate a number of expenditure records, summarize the expenditure records in any unit period to generate an expenditure log for a unit period; obtain the expenditure type of each expenditure record, and obtain the expenditure situation of each expenditure type in each expenditure log; Step S200: Obtain the total expenditure of each expenditure log, analyze the distribution of all the total expenditures, and obtain the normal expenditure range of the user in a unit period; analyze the excess expenditure of each expenditure log and the expenditure of each expenditure type, and obtain the impact ratio of each expenditure type on the total expenditure; Step S300: arbitrarily select an expenditure log, and perform risk assessment on the expenditure log based on the expenditure frequency and excess expenditure of each expenditure type in the expenditure log; and set an abnormal risk threshold of the expenditure log according to the risk assessment results of each expenditure log with excess expenditure; Step S400: Analyze the expenditure situation of each expenditure record in the latest generated expenditure log, conduct a risk assessment on the current expenditure log, and determine whether to send an overage warning to the user; if the expenditure situation of the current expenditure log meets the normal expenditure range, recommend the selection priority of each subsequent expenditure type for the user.

2. The method for intelligently monitoring economic needs based on data analysis according to claim 1, characterized in that: The step S100 includes the following steps: Step S101: Set the time length of a unit cycle as T, and obtain the time range of the a-th unit cycle as [aT, (a+1)T); obtain the record generation time t of an expenditure record at random, and if t∈[aT, (a+1)T), then import the expenditure record into the expenditure log corresponding to the a-th unit cycle; Step S102: arbitrarily select the ath expenditure log and obtain the expenditure information M of the bth expenditure record in the ath expenditure log b , from the expenditure information M b Extract several characteristic words; construct an expenditure classification standard database to store various expenditure types, select any characteristic word and expenditure type from the several characteristic words and expenditure classification standard database, and compare the characteristic word with the expenditure type for similarity; select a characteristic word and expenditure type with the greatest similarity from all similarity comparison results, and use the expenditure type with the greatest similarity as the expenditure type of the expenditure record of item b; Step S103: Divide all expenditure records in the ath expenditure log according to expenditure type to obtain a set of expenditure records corresponding to several expenditure types in the ath expenditure log; obtain the expenditure amount of each expenditure record, obtain the total expenditure amount of each expenditure type in the ath expenditure log, and calculate the expenditure proportion of each expenditure type.

3. The method for intelligently monitoring economic needs based on data analysis according to claim 2 is characterized in that: The step S200 includes the following steps: Step S201: Calculate the average of the total expenditures of each expenditure log to obtain the average total expenditure, and calculate the degree of deviation between the total expenditures of each expenditure log and the average total expenditure; sort the total expenditures of each expenditure log from small to large, extract the top c% total expenditures, and select the minimum total expenditure and the maximum total expenditure to obtain the normal expenditure range of the user in a unit period; Step S202: arbitrarily select the ath expenditure log, and obtain the total expenditure of the ath expenditure log as E a , set the maximum total expenditure to E max , the excess degree of the a-th expenditure log is calculated to be EX a =(E a -E max ) / E max ; Step S203: Set the number of expenditure types in the ath expenditure log to T a , get the number of expenditure records corresponding to the i-th expenditure type in the a-th expenditure log as The expenditure frequency of the i-th expenditure type is calculated as Step S204: Set the expenditure proportion of the i-th expenditure type in the a-th expenditure log to According to the formula: Calculate the impact ratio of the i-th expenditure type in the a-th expenditure log Step S205: Obtain the impact ratio of the i-th expenditure type in each expenditure log, and calculate the average value to obtain the average impact ratio Y of the i-th expenditure type i .

4. The method for intelligently monitoring economic needs based on data analysis according to claim 3 is characterized in that: The step S300 includes the following steps: Step S301: arbitrarily select the ath expenditure log, and obtain the excess degree of the ath expenditure log as EX a And the proportion of expenditure of the i-th expenditure type in the a-th expenditure log is According to the formula: Among them, T a is the number of expenditure types in the a-th expenditure log, Y i is the average impact ratio of the i-th expenditure type; the risk value F of the a-th expenditure log is calculated a ; Step S302: extract all expenditure logs with excess levels greater than 0, generate an abnormal log set, obtain the risk value of each expenditure log in the abnormal log set, and select the minimum risk value to set as the abnormal risk threshold of the expenditure log.

5. The method for intelligently monitoring economic needs based on data analysis according to claim 4 is characterized in that: The step S400 includes the following steps: Step S401: Obtain several expenditure records in the current expenditure log, obtain the record generation time of each expenditure record in the several expenditure records, and select the maximum record generation time as the generation time of the expenditure log as T now , setting the time length of a unit cycle to T, the current time proportion of the expenditure log is ρ = T now / T; Step S402: Set the normal spending interval of the user in a unit period as (E min ,E max ), the theoretical expenditure interval of the current expenditure log is (ρ×E min ,ρ×E max ); Get the total amount of expenditure of the several expenditure records as E now , if E now >ρ×E max , then the current excess level of the expenditure log is EX now =(E now -ρ×E max ) / (ρ×E max ), the plurality of expenditure records are divided according to the expenditure type, and the expenditure proportion of each expenditure type is calculated, wherein the expenditure proportion of the i-th expenditure type is set to (η i ) now , according to the formula: Among them, Y i is the average impact ratio of the i-th expenditure type; the current risk value of the expenditure log is calculated to be F now ; Step S403: Set the abnormal risk threshold to F min , if F now >F min , then the overage warning will be relaxed for the user; if E now <ρ×E max or F now <F min , then obtain the expenditure proportion of each expenditure type in each log, calculate the average value to get the average expenditure proportion of each expenditure type, and set the average expenditure proportion of the i-th expenditure type to According to the formula: Calculate the remaining available expenditure proportion S of the i-th expenditure type in the expenditure log i ) now ; Step S404: According to the formula: Calculate the priority value Z of the i-th expenditure type i ; Sort all expenditure types according to priority value from large to small, generate a selection priority order, and send expenditure type recommendation information to the user.

6. An economic demand intelligent monitoring system, used to execute an economic demand intelligent monitoring method based on data analysis according to any one of claims 1 to 5, characterized in that: The monitoring system includes a historical expenditure analysis module, an impact type analysis module, a risk assessment module and a real-time expenditure analysis module; The historical expenditure analysis module is used to build an expenditure data management platform to record each expenditure of the user, generate a number of expenditure records, summarize the expenditure records in any unit period to generate an expenditure log for a unit period; obtain the expenditure type of each expenditure record, and obtain the expenditure situation of each expenditure type in each expenditure log; The impact type analysis module is used to obtain the total expenditure of each expenditure log, analyze the distribution of all total expenditures, and obtain the normal expenditure range of the user in a unit period; analyze the excess expenditure of each expenditure log and the expenditure of each expenditure type, and obtain the impact ratio of each expenditure type on the total expenditure; The risk assessment module is used to arbitrarily select an expenditure log and perform risk assessment on the expenditure log based on the expenditure frequency and excess expenditure of each expenditure type in the expenditure log; According to the risk assessment results of each expenditure log with excessive expenditure, the abnormal risk threshold of the expenditure log is set; The real-time expenditure analysis module is used to analyze the expenditure situation of each expenditure record in the latest generated expenditure log, perform risk assessment on the current expenditure log, and determine whether to send an over-limit warning to the user; if the expenditure situation of the current expenditure log meets the normal expenditure range, recommend the user's subsequent selection priority for each expenditure type.

7. The economic demand intelligent monitoring system according to claim 6, characterized in that: The historical expenditure analysis module includes an expenditure log generation unit and an expenditure situation analysis unit; The expenditure log generation unit is used to build an expenditure data management platform to record each expenditure of the user, generate a number of expenditure records, summarize the expenditure records within any unit period to generate an expenditure log for a unit period; the expenditure situation analysis unit is used to obtain the expenditure type of each expenditure record and obtain the expenditure situation of each expenditure type in each expenditure log.

8. The economic demand intelligent monitoring system according to claim 6, characterized in that: The impact type analysis module includes a normal expenditure analysis unit and an impact proportion analysis unit; The normal expenditure analysis unit is used to obtain the total expenditure of each expenditure log, analyze the distribution of all total expenditures, and obtain the normal expenditure range of the user within a unit period; the impact ratio analysis unit is used to analyze the excess expenditure of each expenditure log and the expenditure of each expenditure type, and obtain the impact ratio of each expenditure type on the total expenditure.

9. The economic demand intelligent monitoring system according to claim 6, characterized in that: The risk assessment module includes a risk calculation unit and a risk threshold setting unit; The risk calculation unit is used to arbitrarily select an expenditure log and perform risk assessment on the expenditure log based on the expenditure frequency and excess expenditure of each expenditure type in the expenditure log; The risk threshold setting unit is used to set the abnormal risk threshold of the expenditure log according to the risk assessment results of each expenditure log with excess expenditure.

10. The economic demand intelligent monitoring system according to claim 6, characterized in that: The real-time expenditure analysis module includes an excess judgment unit and an expenditure recommendation analysis unit; The excess judgment unit is used to analyze the expenditure situation of each expenditure record in the latest generated expenditure log, perform risk assessment on the current expenditure log, and determine whether to send an excess warning to the user; the expenditure recommendation analysis unit is used to recommend the selection priority of each subsequent expenditure type for the user if the expenditure situation of the current expenditure log meets the normal expenditure range.

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