An intelligent economic demand monitoring system and method based on data analysis

Abstract

The present invention discloses an intelligent monitoring system and method for economic needs based on data analysis, which relates to the technical field of data analysis. The monitoring method comprises the following steps: obtaining the expenditure type of each expenditure record to obtain the expenditure situation of each expenditure type; analyzing the distribution of all expenditure totals to obtain the normal expenditure range of the user; analyzing the excess expenditure situation of each expenditure log and the expenditure situation of each expenditure type to obtain the proportion of the impact of each expenditure type on the total expenditure; arbitrarily selecting an expenditure log, performing a risk assessment on the expenditure log, and setting an abnormal risk threshold for the expenditure log; analyzing the latest generated expenditure log, performing a risk assessment on the current expenditure log, and judging whether to send an excess warning to the user; if the expenditure situation of the current expenditure log meets the normal expenditure range, recommending the selection priority of each subsequent expenditure type to 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 with needs come expenses. If you can plan your personal expenses reasonably, you can effectively improve your financial management ability and help you solve the spending pressure in unexpected situations.

[0003] Although there are software like Alipay that can help users record various expenses in daily life, few users will check their expense records and will not consider their own spending situation. Due to the inconvenience, they lack effective budget management for their expenses, which may eventually lead to an imbalance between personal income and expenditure, affecting 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 objectives, the present invention provides the following technical solution: an intelligent economic demand monitoring method based on data analysis, the monitoring method comprising the following steps:

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

[0007] Step S200: Obtain the total expenditure of each expenditure log, analyze the distribution of all expenditure totals, and obtain the user's normal expenditure range within a unit period; analyze the excess expenditure of each expenditure log and the expenditure of each expenditure type to obtain the contribution of each expenditure type to the total expenditure;

[0008] Step S300: arbitrarily selecting an expenditure log, and performing a risk assessment on the expenditure log based on the expenditure frequency and excess expenditure of each expenditure type in the expenditure log; and setting an abnormal risk threshold for the expenditure log based on the risk assessment results of each expenditure log containing 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 to T, and obtain the time range of the a-th unit cycle as [aT, (a+1)T); obtain the record generation time t of any expenditure record, and if t∈[aT, (a+1)T), then merge 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 the expenditure classification standard database, and perform similarity comparison between the characteristic word and the expenditure type; select the 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] Furthermore, step S200 includes the following steps:

[0015] 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; the deviation degrees are all integers, and the deviation degrees above or below the average total expenditure may be the same; sort the total expenditures of each expenditure log from small to large, extract the top c% total expenditures, and select the minimum and maximum total expenditures to obtain the normal expenditure range of the user in a unit period; the total expenditures of each unit period are generally close, but there may be special periods, and using only the average value will result in large deviations, so it is necessary to exclude the special periods and find a more reasonable normal expenditure range based on 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. A negative number means that the user's total expenditure is normal.

[0017] Step S203: Set the number of expenditure records 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 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 particular expenditure type is affected by the user's spending ratio on that expenditure type, the frequency of spending, and the degree of excess in the expenditure log itself. The higher the expenditure ratio and frequency of an expenditure type, the greater the impact. The degree of excess can reflect the impact of expenditure types with higher frequency or proportion. 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] Furthermore, 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 Conducting risk assessments on each expenditure log can help users effectively determine whether their expenditures are normal, and promptly address 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 an excess degree 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: Get several expenditure records in the current expenditure log, get the record generation time of each expenditure record in the several expenditure records, select the maximum record generation time as the generation time of the expenditure log as T now , set the time length of a unit cycle to T, and get the current time proportion of the expenditure log to be 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 several 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 , an overage warning is sent to 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 be According to the formula:

[0033]

[0034] Calculate the current remaining expenditure ratio (S) of the i-th expenditure type in the expenditure log i ) now The remaining spendable percentage can only be determined by combining the user's previous spending percentages on various expenditure types with their current spending situation. The current remaining spendable percentage 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, a balance needs to be struck 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 for 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 every expenditure of the user, generate several expenditure records, summarize the expenditure records within any unit period to generate a unit period expenditure log; obtain the expenditure type of each expenditure record, and obtain the expenditure status 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 users within a unit period; analyze the excess expenditure of each expenditure log and the expenditure of each expenditure type to obtain the impact of each expenditure type on the total expenditure;

[0041] A risk assessment module is used to select an expenditure log at random and perform a 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 for the expenditure log based on the risk assessment results of each expenditure log with excess expenditure;

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

[0043] Furthermore, 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 every 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; 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 ratio 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] Furthermore, 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 a 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 based on the risk assessment results of each expenditure log with excess expenditure.

[0049] Furthermore, 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, 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.

[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. This invention analyzes the user's spending habits by obtaining the historical proportion of various expenditure types and combining the impact of various expenditure types to help the user determine whether the spending status of each period is reasonable, thus avoiding the situation where excessive spending leads to an imbalance in income and expenditure.

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

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

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

[0057] The following will clearly and completely describe the technical solutions in the embodiments of the present invention in conjunction with the accompanying drawings. 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 making creative efforts are within the scope of protection of the present invention.

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

[0059] Step S100: Build an expenditure data management platform to record each expenditure of the user, generate a number of expenditure records, aggregate the expenditure records within any unit period to generate an expenditure log for that unit period; obtain the expenditure type of each expenditure record, and obtain the expenditure status 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 to T, and obtain the time range of the a-th unit cycle as [aT, (a+1)T); obtain the record generation time t of any expenditure record, and if t∈[aT, (a+1)T), then import the expenditure record into the expenditure log corresponding to the a-th unit cycle; for example, taking one month as a unit cycle can help analyze the user's monthly expenditure situation;

[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 the expenditure classification standard database, and perform similarity comparison between the characteristic word and the expenditure type; select the 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 expenditure totals, and obtain the user's normal expenditure range within a unit period; analyze the excess expenditure of each expenditure log and the expenditure of each expenditure type to obtain the contribution of each expenditure type to the total expenditure;

[0065] Step S200 includes the following steps:

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

[0067] Example 1: Assume that the average monthly expenditure of a user is 2,000 yuan. The monthly expenditures for five months are 1,900 yuan, 2,000 yuan, 2,100 yuan, 2,050 yuan, and 3,000 yuan, respectively. The deviations are 5%, 0%, 5%, 2.5%, and 50%, respectively. The first 80%, or the four total expenditures, are taken. The minimum total expenditure is 1,900 yuan, and the maximum total expenditure is 2,100 yuan, generating a normal expenditure interval (1,900, 2,000).

[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 records 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 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, the expenditure log contains four types of expenditure records, of which 100 are for food and drink. The number of expenditure records in the expenditure log is set to 300, and the frequency of food and drink expenditure is 33.33%. The user's expenditure on food and drink accounts for 50%, and the excess margin for this month is 10%. Therefore, according to the formula: 50% × 10% = 33.33% × Y, we get Y = 15%, indicating that the impact 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 selecting an expenditure log, and performing a risk assessment on the expenditure log based on the expenditure frequency and excess expenditure of each expenditure type in the expenditure log; and setting an abnormal risk threshold for the expenditure log based on the risk assessment results of each expenditure log containing 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: Assume that the excess margin of an expenditure log is 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 an excess degree 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 status of each expenditure record in the latest generated expenditure log, perform a risk assessment on the current expenditure log, and determine whether to issue an overspending warning to the user; if the expenditure status of the current expenditure log meets the normal expenditure range, recommend the user's subsequent selection priority for each expenditure type;

[0083] Step S400 includes the following steps:

[0084] Step S401: Get several expenditure records in the current expenditure log, get the record generation time of each expenditure record in the several expenditure records, select the maximum record generation time as the generation time of the expenditure log as T now , set the time length of a unit cycle to T, and get the current time proportion of the expenditure log to be 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 several 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 , an overage warning is sent to 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 be According to the formula:

[0089]

[0090] Calculate the current remaining expenditure ratio (S) of the i-th expenditure type in the expenditure log 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 from largest to smallest according to priority value, 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 economic demand monitoring system 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 every expenditure of the user, generate several expenditure records, summarize the expenditure records within any unit period to generate a unit period expenditure log; obtain the expenditure type of each expenditure record, and obtain the expenditure status 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 users within a unit period; analyze the excess expenditure of each expenditure log and the expenditure of each expenditure type to obtain the impact of each expenditure type on the total expenditure;

[0098] A risk assessment module is used to select an expenditure log at random and perform a 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 for the expenditure log based on the risk assessment results of each expenditure log with excess expenditure;

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

[0108] It will be apparent to those skilled in the art that the present invention is not limited to the details of the exemplary embodiments described above and that the invention can be embodied in other specific forms without departing from the spirit or essential characteristics of the invention. Therefore, the embodiments should be considered in all respects as illustrative and non-restrictive, and the scope of the invention is defined by the appended claims, not the foregoing description, and all variations within the meaning and range of equivalents of the claims are intended to be included therein. Any reference sign in a claim should not be construed as limiting the claim to which it relates.

Claims

1. A method for intelligently monitoring economic needs based on data analysis, characterized by: The monitoring method comprises the following steps: Step S100: Build an expenditure data management platform to record each expenditure of the user, generate a number of expenditure records, aggregate the expenditure records within any unit period to generate an expenditure log for that unit period; obtain the expenditure type of each expenditure record, and obtain the expenditure status of each expenditure type in each expenditure log; Step S200: Obtain the total expenditure of each expenditure log, analyze the distribution of all expenditure totals, and obtain the user's normal expenditure range within a unit period; analyze the excess expenditure of each expenditure log and the expenditure of each expenditure type to obtain the contribution of each expenditure type to the total expenditure; Step S300: arbitrarily selecting an expenditure log, and performing a risk assessment on the expenditure log based on the expenditure frequency and excess expenditure of each expenditure type in the expenditure log; and setting an abnormal risk threshold for the expenditure log based on the risk assessment results of each expenditure log containing excess expenditure; Step S400: Analyze the expenditure status of each expenditure record in the latest generated expenditure log, perform a risk assessment on the current expenditure log, and determine whether to issue an overspending warning to the user; if the expenditure status of the current expenditure log meets the normal expenditure range, recommend the user's subsequent selection priority for each expenditure type; The step S200 includes the following steps: Step S201: Calculate the average of the total expenditures in each expenditure log to obtain the average total expenditure, and calculate the degree of deviation between the total expenditures in each expenditure log and the average total expenditure; sort the total expenditures in each expenditure log from small to large, extract the top c% total expenditures, and select the minimum and maximum total expenditures to obtain the user's normal expenditure range 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 records 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 , 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 ; 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 an excess degree 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.

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 to T, and obtain the time range of the a-th unit cycle as [aT, (a+1)T); obtain the record generation time t of any expenditure record, and if t∈[aT, (a+1)T), then merge 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 the expenditure classification standard database, and perform similarity comparison between the characteristic word and the expenditure type; select the 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, characterized in that: The step S400 includes the following steps: Step S401: Get several expenditure records in the current expenditure log, get the record generation time of each expenditure record in the several expenditure records, select the maximum record generation time as the generation time of the expenditure log as T now , set the time length of a unit cycle to T, and get the current time proportion of the expenditure log to be 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 several 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 , an overage warning is sent to 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 be , according to the formula: ； Calculate the current remaining expenditure ratio (S) of the i-th expenditure type in the expenditure log i ) now ; Step S404: According to the formula: ； Calculate the priority value of the i-th expenditure type ; Sort all expenditure types from large to small according to priority value, generate selection priority order, and send expenditure type recommendation information to users.

4. An economic demand intelligent monitoring system, configured to implement the economic demand intelligent monitoring method based on data analysis according to any one of claims 1 to 3, 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 within any unit period to generate a unit period expenditure log; obtain the expenditure type of each expenditure record, and obtain the expenditure status 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 expenditure totals, and obtain the normal expenditure range of the user within a unit period; analyze the excess expenditure of each expenditure log and the expenditure of each expenditure type to 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 a 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 status of each expenditure record in the latest generated expenditure log, perform risk assessment on the current expenditure log, and determine whether to send an overage warning to the user; if the expenditure status of the current expenditure log meets the normal expenditure range, the user's subsequent selection priority for each expenditure type is recommended.

5. The economic demand intelligent monitoring system according to claim 4, 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, 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.

6. The economic demand intelligent monitoring system according to claim 4, characterized in that: The impact type analysis module includes a normal expenditure analysis unit and an impact ratio 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.

7. The economic demand intelligent monitoring system according to claim 4, characterized in that: The risk assessment module includes a risk calculation unit and a risk threshold setting unit; The risk calculation unit is configured to arbitrarily select an expenditure log and perform a 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 excessive expenditure.

8. The economic demand intelligent monitoring system according to claim 4, 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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